What Schools Will Never Teach You About Money By Robert T. Kiyosaki

FAQ 
But didn’t your rich dad give you a head start? Isn’t that your
unfair advantage?
Short Answer 
Yes and no.
Explanation 
My rich dad did not give me anything. He simply showed me the way. 
At the age of nine, playing Monopoly, I knew the difference between 
assets and liabilities. But I still had to take classes and learn, turning 
my education into real assets.
Success takes an investment in time, dedication, and sacrifice.
This is true education. It is a process. For most successful people,
there is no such thing as an “overnight success.”
My rich dad constantly said, “Success requires sacrifice.”
He also said, “Most people are not rich because they want money
without sacrifice.”
The reason so few people make it over to the B and I side of the 
CASHFLOW Quadrant is because life is easier on the E-S side, at
least it may seem that way in the beginning. For most people on the 
E-S side, life will get harder in the new economy, especially as they grow 
older. And long-term success also requires strong legal, ethical and moral 
character, as Tiger is finding out the hard (and expensive) way.
Infinite Returns
Infinite returns are the result of obeying Law of Compensation #3.
When Kim started out in 1989 with her 2-bedroom/1-bath house, 
she worked really hard just to make $25 a month in net cash flow. 
Twenty years later, she works less and makes much more money —
often infinite returns, which means money for nothing. Even in this 
economic crisis, her wealth is accelerating, making more money with 
much less effort, because infinite returns are the result of the 3
rd
law
of compensation.
Smarter and Better Friends
One more aspect of Law of Compensation #3 is smarter and 
better friends. When financial intelligence increases, you also start to 
meet smarter people. When you meet smarter people, you are invited 
into investments that are called “insider” investments. These are 
investments that never make it to market. The investments are so good 
that the investment does not need to be advertised or sold. Someone 
makes a phone call, and the investment is off the market. 
The resort and golf-course investment that Kim and I have was an 
insider investment. The moment the property went into foreclosure, 
the banker called just four people and the property was gone. 

---

Chapter Five
Unfair Advantage
187
186
struggling. Something was wrong. Sitting there, listening to one of
our world’s greatest geniuses, I realized what I had forgotten. Listening 
to him, I realized I was disobeying the Laws of Compensation. 
That morning, Dr. Fuller said to the group, “I do not work for 
money. I have dedicated my life to the service of others.” Speaking on 
principles that govern the world, he said, “The more people I serve, the 
more effective I become.”
His simple words hit me like a lightening bolt. It dawned on me 
that I was struggling, as my business was struggling, because I was only 
thinking about making money for myself. I knew it was time for me to 
change careers, again.
A few months later, I began training to become a teacher, a teacher 
of entrepreneurship who would follow the principles taught by Dr. 
Fuller, principles that follow the laws of compensation.
I had a hard time deciding to become a teacher because I really did 
not like school or most of my teachers. Also, all the teachers I knew 
were poor. Finally, I resolved my decision to teach by committing to 
follow the Laws of Compensation and focus on serving more and more 
people rather than just making money. 
The unfair advantage I had over most teachers was that I was 
an entrepreneur. I knew I could build a business as an educational 
entrepreneur, outside the traditional school system.
Two years later in 1984, after much practice teaching, often 
holding seminars that no one came to, I sold my wallet business and 
took a leap of faith. The moment I made my commitment, I met Kim.
When I told her what I was up to, she said she wanted to join me
on this new adventure.
Although we had no money, we held each other’s hand and took 
our leap of faith together. I would never have made it without Kim.
We were homeless for a time, sleeping in a borrowed car, living in 
friends’ basements or living rooms, while we learned to be teachers.
For five years, we had our faith tested. For five years, it was 
extremely difficult selling enough seats to our classes to cover business 
expenses and our living expenses too. After five years, the business 
What gave me my unfair advantage was financial education, applied to 
real life. 
The greatest unfair advantage that Kim and I have is that we do not 
stop learning. We attend classes and apply what we learn. We know 
that if want more, we need to learn how to give more. The more we 
give, the more tax breaks and low-interest loans we receive. We know
if we give others a better life, we will receive a better life in return.