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I’m Robert Kiyosaki. You may know me as the author of Rich Dad Poor Dad—the #1 personal finance book of all time—in which I share the story of my two dads (my real father and my best friend’s father) who taught me about money.
Since it was written 20 years ago, it has challenged and changed the way tens of millions of people think about money, all around the world.
I’ve also co-authored two books with Donald Trump, prior to his successful bid for the White House and election as President of the United States.
In addition to writing dozens of books, I co-created CASHFLOW® the Board Game, with my wife, Kim.
That game is the ultimate realization of our vision of an interactive tool for financial education, and the fulfillment of my belief that we learn best by doing.
We believe people learn best by doing and CASHFLOW® the Board Game simulates the real game of investing without the risk of losing your own money!
In addition to being an author and board game developer, I am an entrepreneur, educator, and investor who believes that each of us has the power to:
- make changes in our lives
- take control of our financial future
- and live the rich life we deserve
I like to challenge the status quo. I was called a contrarian when I said, “Your house is not an asset.” It was my proudest moment.
It stirred controversy, but it has proven to be true for over 20 years…
The age-old advice of:
“get a good job, save money, get out of debt, invest for the long term, and diversify”
is both obsolete and flawed.
But before I go on a rant about my philosophies on money, there’s a startling statistic that you need to know about…
60% of people think they are prepared for retirement, but only 18% REALLY are ready.
“Save money,” they say…
“If you save money, you will have money”…
Or the ever-popular, “A penny saved is a penny earned.”
You’ve been taught your whole life that saving money is the way to financial freedom or even the way to retirement.
The problem with saving—what parents are teaching their kids about money—is that it’s a big lie.
While it was true a generation ago, this is one of the biggest lies parents tell their kids.
It’s not the parents fault though. After all, it’s what they learned from their parents.
It used to be that you could set aside a certain amount of money—combine it with a company pension—and retire on it. Your parents or your grandparents might be prime examples.
But what worked for them cannot work for you in today’s economy…
Today, savers are losers.
Why? The bank pays you a lower interest rate on your savings than the rate of inflation. This means that your money in the bank loses more value than it gains over time.
The dollar you save today will be worth less a year from now.
If there’s anything to be learned from the last few years of our financial mess, it’s that nothing is guaranteed. And that includes all the long-term investments that your financial planner will encourage you to buy, such as mutual funds, stocks, and bonds.
And if that scares you, it gets even worse if you’re married…
1 out of 5 spouses have secretly spent $500 or MORE without telling their partner
Over the last 20 years, I’ve encountered hundreds of thousands of people, all across the world, and the most disappointing thing I’ve heard is…
“My spouse handles our money.”
I usually just shake my head… but sadly, I know a lot of relationships like this.
In the beginning of our marriage, Kim and I didn’t have much money.
In fact, at one point we were so broke that we had to live out of our car.
But it turned into a blessing because we learned how to build our wealth together and decided that quitting was never going to be an option.
Even more so, it made us stronger as a couple because it put us into action, and forced us to be smarter and more creative about money.
Actually, our first date consisted of discussions around money and financial goals!
For us, investing and business is like a game.
We learn and study this game together, and we have a blast.
But it’s not enough to just discuss money and life goals.
The way you manage your money could be keeping you from controlling your life
Many financial experts say you need to live below your means and save money for retirement.
I’m not a fan of that.
Only poor people live below their means.
The “live below your means” mindset teaches you to think too narrowly. In fact, it doesn’t force you to think at all.
Rather than force you to think of new ways to make money, it teaches you to be merciless in what you spend your money on.
You’re forced to figure out your needs vs wants. And most of the time, that leaves little to nothing left over to spend on what you want. And no one likes living like that.
When I was growing up, my poor dad would say, “We can’t afford that.”
My rich dad, on the other hand, would say, “Rather than live below my means, I make more money to get what I want.
Instead of saying, ‘I can’t afford that,’ like my poor dad, I ask, ‘How can I afford that?’”
The rich don’t live below their means. Rather, they make better means.
When my wife and I want to splurge on something, we don’t look at where to cut costs, we acquire an asset to offset the cost of what we want.
So, instead of always looking for what we can cut to afford something, we’re always looking to expand our wealth to cover the cost of what we want.
It’s a completely different mindset…
…but changing your mindset is only half the battle. How are you currently keeping track of where your money is going? After all…
Balancing a checkbook and making a budget is not managing your money
IN FACT, it’s a big part of the problem.
Once you have an understanding of where you are financially, it’s crucial that you create a plan to become more financially secure and healthy.
And that means starting with a budget.
The problem is that most people have misconceptions about what a budget is and why it’s helpful.
In my experience, there are three ways that people budget. And the way you budget has a lot to say about your financial mindset.
- Budgeting like the poor: For those with a poor mindset, a budget serves as a tool to make sure you’re not spending too much, and is not a catalyst for financial insight, inspiration, or growth.
- Budgeting like the middle class: For those with a middle-class mindset, a budget serves as a tool to make sure you spend less than you make, but also know how much “fun” money can be spent. Yet the source of that money is always earned income from a salary rather than passive income from investments.
- Budgeting like the rich: The rich don’t look at a budget as a way of comparing their income and expenses. Rather they look at it as a way to prepare for more money-making investments. In short, they ask, “How can I make more money?” rather than say, “I don’t have enough money?” (the poor) or, “How much extra money can I spend?” (the middle class).
When people have extra money, they want to save it. But this is the opposite for the rich.
One of rich dad’s most important lessons was, “You have to make a surplus an expense.”
What he meant is that most people view a surplus of money as an asset.
They place their extra cash in the bank or they spend it on liabilities.
Rather than view extra money as an asset, rich dad viewed it as an expense in the form of charity, investing and saving.
Most people want to give to charity, invest in assets and save money, but the problem is that they view it as something to do after they’ve paid their expenses.
By making these things expenses in his budget, my rich dad ensured that he would make them a priority. He called it paying himself first.
But let’s not get ahead of ourselves. I’ll explain what he meant by “paying yourself first” in a second.
To put it simply, staying up to date with your checkbook or listing your monthly expenses won’t help you get out of debt, save for a rainy day or provide an early retirement.
Unfortunately, that’s exactly the type of advice you get from the talking heads on TV—or worse—paid advice from a so-called “expert.”
Financial advisors are merely salesmen trying to syphon your hard-earned money.
My rich dad was a man with an open mind and someone who was courteous and attentive to many people.
He believed that any financial advice was better than no financial advice.
Ultimately, he relied on his own financial intelligence to make his decisions.
When it came to financial advisors, rich dad said:
“Your advisors can only be as smart as you are. If you are not smart, they can’t tell you that much. If you are financially well-educated, competent advisors can give you more sophisticated financial advice. If you are financially naïve, they must by law offer you only safe and secure financial strategies. If you are an unsophisticated investor, they can only offer low-risk, low-yield investments. They often recommend diversification for unsophisticated investors. Few advisors choose to take the time to teach you because their time is money. So if you will take it upon yourself to become financially educated and manage your money well, then a competent advisor can inform you about investments and strategies that few will ever see. But first you must do your part to get educated. Always remember, your advisor can only be as smart as you.”
Often, because people do not have a good financial education, they find advisors who they think will make their financial decisions for them.
They take this advice wholesale and without question because they have no way of knowing if it’s good or bad.
They assume that it’s good because it comes from an expert.
But most of the time, it’s not good. In some cases, it’s very bad.
For example, these ‘experts’ suggest a “one size fits all” solution, regardless of your debt situation. They don’t care if you have debt (good or bad), their prescription is the same: Invest in these products (stocks, bonds, mutual funds) that will make me (the financial advisor) the highest return (in the short-term).
Does that sound like someone who has your best interests in mind?
You (the investor) take all the risk and the the financial advisor gets paid regardless of the product’s performance.
To make matters more complicated, most “experts” won’t tell you that not all debt is the same. It’s not as simple as “debt is bad”.
People with the LEAST amount of debt suffer from an even BIGGER problem
You read that right. Just because you don’t have much debt doesn’t mean you’re managing your money correctly.
Chances are, if you’ve dug yourself out of a financial hole in the past, you’ve been investing your extra cash instead.
This is the wrong approach if you want to be wealthy.
My rich dad taught me to always remind myself that there are two kinds of money problems–too much money or not enough money–and to ask myself which one I wanted.
I’m not a wishful thinker and I don’t believe solely in the power of affirmation…
But asking myself that question allowed me to calm down and think clearly about the problems I was facing—and the potential solutions.
Introducing: My course for managing your money AND working towards financial freedom
In How to Manage Your Money, you will be presented with my money management philosophy and financial tools that put you in the position to determine your unique financial path.
In this course you’ll:
Erase a lifetime of bad money habits In less than 30 days
People often find themselves torn between what they want to do and what they should do and more times than not they end up doing what they want to do…
…this is where bad money habits come into play.
By following the advice of my rich dad, I learned how to use money as a tool to live the lifestyle I desire.
Throughout the course, I share with you the advice I received from my rich dad…
And by completing this course you’ll be able to take those first critical steps towards financial independence.
Now, it’s time to…
Forget everything you know about how money works and get ready to learn how the wealthy think about and utilize money.
But more importantly…
Reduce your stress with a well-managed financial statement
Not everyone wants to be filthy rich—I get it.
But imagine how different your life would be if you didn’t stress about money.
Most people don’t know how to think about money because the education system doesn’t teach proper financial education.
This often results in: poor spending habits, increased bad debt, and—ultimately— getting stuck in the rat race.
But I’m here to help you. Before you start this journey, you need to understand a few things.
First, having a basic understanding of money management is going to put you leaps and bounds above most people.
Second, there is no guarantee that your job is going to be there forever, so wouldn’t it be nice to have an alternative to turn to?
Third, if you want to get out of the Rat Race, you need a financial education.
The bottom line is this: Take your money seriously by learning to become financially savvy about managing and growing your money.
Give yourself a raise by getting more out of every dollar
Over the years, as I’ve travelled and talk to thousands upon thousands of people, I’ve often heard people say things like:
“I’m making more money than I ever have in my life, but I just can’t seem to get ahead,”
“It seems like every time I get a little money saved up, a big expense comes up that takes it all away,”
“I can’t seem to get out of my credit card debt even though I only use them for emergencies.”
People who say these phrases have a lack of understanding on the way money works.
That’s where the lessons in this course become so valuable.
You’ll actually learn how money works…
No freezing or cutting up credit cards!
There are financial gurus out there who say the only way out of debt is by cutting up your credit cards, foregoing your daily coffee, or even putting your credit card in a freezer.
Essentially, they are saying, “Live below your means.”
Most people translate that to mean, spend less than you make.
Now, if you are a chronic overspender, that might be good advice, but if you are seeking financial freedom, that advice could work against you and keep you poor.
I’ve said many times, instead of live below your means, why not expand your means?
Instead of figuring out how to cut $100 from your expenses, why not task yourself to turn that $100 into $200.
There are many reasons that I do not subscribe to the live-below-your-means methodology.
But essentially, I don’t think that advice solves the problem for anyone who wants to be wealthy.
If a person wants to become wealthy, they need to learn how to respect the power of debt, know how to get into the right kind of debt, and learn how to harness the power of debt.
I was just as shocked as you are to learn…
NASDAQ just named THIS the number one proven way to save money!
The philosophy of paying yourself first came from George Clason’s book, The Richest Man in Babylon, which was written nearly a century ago.
And its message still holds true today.
Whenever I say, “Pay yourself first” people always think I’m saying, “Don’t pay your bills.”
This couldn’t be further from the truth.
People who choose to pay themselves first allocate money to the asset column of their balance sheet before they’ve paid their monthly expenses.
Essentially, you set aside a specific amount of money right off the bat, and then live off what’s leftover.
And that’s how wealth grows.
And once it grows…
Implement the Same Secret Strategies that I and other Millionaires Use to Grow Rich
The fact is, there’s different financial advice for different people…
…and the price you pay for poor advice is a poor lifestyle. That is, if you choose to listen to that advice.
If you want to be rich, you have to learn and live by the rules of the rich.
You can only do this by investing in your financial education.
Beware though; there’s a difference between financial education and financial advice.
A solid financial education allows you to know the difference between good advice and bad advice, rich advisors and poor advisors.
Here are five ways to identify whether or not your so-called expert is giving old financial advice:
- They tell you to live below your means
- They tell you to budget and open a 401(k) plan
- They tell you to save, save, save
- They tell you to pay off debt
- They tell you to work longer; retire later
This is not the way to get rich.
Learn how to put the strategies of Rich Dad Poor Dad into action with your personally customized plan
Wouldn’t it be great to take what you read and implement it in real life? You can!
Everything I wrote about is in this course.
In 7 Units you’ll learn:
- Unit 1: Money Management
- Unit 2: Debt (the good, the bad, the ugly)
- Unit 3: How to Pay Yourself First
- Unit 4: Set up your personal budget
- Unit 5: Determine which quadrant is best for you
- Unit 6: The Asset Classes
- Unit 7: Next steps
This course includes video content, activities, and printables that will help you with each unit and guide you each step of the way.
The best part?
Immediately find “extra” money you didn’t even know you had!
There’s no time limit to this course. Take it as you see fit.
But…if you want to see real results…you must take action.
You’re still here reading, so there must be a real need in your life for money management.
But more importantly, what about your future?
Where will you be financially in 10 years?
Why not take action right now?Yes! I Want to Enroll - $4,997
“…but in this world nothing can be said to be certain, except death and taxes.” -Ben Franklin
Invest in yourself right now, dive into the units, and use the strategies that have worked for so many.
Take a full, 30 days to learn, review, and transform your life.
If, at the end of 30 days, you have not seen substantial change in your life, or you simply don’t feel like the How to Manage Your Money training is for you…
Send an email to email@example.com and tell us it isn’t for you. We will immediately refund 100% of your investment.
Now is the time to change your life…
What if you weren’t late paying your bills? What if you were able to lower your expenses? And what if you were able to start building your future?
It sounds lofty but that is exactly what How To Manage Your Money will do.
Once you have completely mastered this course you will know how to find extra money, cut your expenses and…
…build toward the future of your dreams.
Did you catch that?
You won’t be afraid to open your mail anymore.
You won’t be worried about your future.
Instead, you will begin building the framework for your dreams.
When you’ve completed this course, you’ll walk away with a personalized plan for managing your money and a the foundation to start creating your dreams.
So, how do you take your life and convert it from a struggle to a success?
That’s exactly what you’re about to learn…Yes! I Want to Enroll - $4,997
We designed the course for innovators, risk takers and those who boldly take a stand against the rat race and want to choose a different path. By following the advice of my rich dad, I learned how to use money as a tool to live the lifestyle I desire. Throughout the course, I share with you the advice I received from my rich dad, via video content and exercises from myself and the Rich Dad team. Completion of the course enables you to take those first critical steps towards financial independence.
Approx 2 Months
- Self-Paced Learning
- Rich Learning Content
- Taught by Industry Experts
- Interactive Games