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

It’s Too Good to Be True
You can be sure that most financial planners, stockbrokers, real 
estate agents, and insurance agents will say, “If it seems too good to be 
true, it’s probably not true.”
People who sell investments feel they have to downplay or 
discourage investments claiming to do better than the investments 
they sell, labeling them as “risky.”
And it is too good to be true for most people—people without 
financial education.
Investing for Dummies
I have always found it amusing that people think saving money 
is smart. Or that turning your money over to a financial planner who 
invests your money in mutual funds is smart.
It takes zero intelligence to save money. It takes zero financial 
education or financial intelligence to turn your money over to a 
financial planner. 
An animal trainer can train a monkey to save money and invest 
in mutual funds. It’s simple: The monkey drops off its money at 
the bank, and the animal trainer gives the monkey a banana. Smart 
monkey. It’s even easier to train a monkey to invest in mutual funds. 
All the monkey has to do is have his investment withdrawn from his 
paycheck along with taxes and retirement money, money the monkey 
will never see.
You may notice that the only difference between the word monkey 
and money is the letter “k” which stands for “knowledge,” or in the 
case of the monkey, the lack of knowledge. Without knowledge, there 
is not much difference between a monkey with money and a monkey 
without money. 
Today there are a lot of humans without money, yet they still 
deposit what they earn in the bank and have their retirement funds 
withdrawn from their paycheck before they get their paycheck.
I repeat: It takes no financial education to save money. Today, 
saving money is actually stupid, especially in an environment where 
On top of that, if successful, the investment pays you a dividend 
every month, income that is taxed at lower rates.
Today, when someone calls me pitching an investment, if the 
investment he or she is proposing does not guarantee a 28 percent 
return the first year, cash in my pocket, I turn the investment down. 
Why risk my money when I can get a government-guaranteed return?
The lowest return I will consider is 28 percent. On many of my 
investments, even a 100 percent or 250 percent return is not enough. 
I want an infinite return.
An infinite return means I want all of my investment back. 
For example, if I invest $100,000, I want my entire $100,000 
returned within three years or less. In addition, I still want to own 
the asset, plus I want cash-flow income every month, and I want my 
income and the return of my $100,000—tax free.
The dollar amount is not significant. The investment can be $10,000 
or $10 million. The difference depends upon your financial education.
In simple terms, an infinite return is your way of printing your 
own money. Every month you receive a check for nothing, free 
money, just like the Federal Reserve Bank.
The rock band Dire Straits had a hit song years ago, “Money 
for nothing, chicks for free.” I can’t guarantee free chicks, but I can 
guarantee money for nothing for myself. If you have a solid financial 
education and invest with smart, legal, and ethical people, people 
who also have a solid financial education, you too can earn money
for nothing. 
Money for nothing is your real ROI for your investment in your 
financial education. While there are never guarantees in the world 
of money, a legitimate financial education grants you access to the 
highest returns in the investment world, investments with the lowest 
risks, and very low taxes, zero taxes in some instances. The first 
investment is in your financial education.

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