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

A Final Word on Investing
In the world of money, you’ll often see the term ROI, Return On 
Investment. Depending upon whom you talk to, ROI will vary. For 
example, if you talk to a banker, he or she may say, “We pay 3 percent 
interest on your money.” For many people, this may sound good. If you 
talk to a financial planner, they may say, “You can expect a return on 
your investment of 10 percent per year.” To many people, a 10 percent 
return is exciting.
To most people, especially those on the E and S side of the
quadrant, the higher your return, the greater the risk. So the person 
accepting a 10 percent return already assumes there is more risk in that 
investment than the 3 percent return from the bank. And there is. 
Ironically, both the 3 percent return from the bank and the 10
percent return from the stock market are extremely high-risk. The 
money in the bank is at risk due to inflation and higher taxes caused
by banks printing money. The 10 percent in the stock market is at risk 
due to volatility caused by HFT (high-frequency trading) and due to 
the novice investor investing without insurance.
If you are ready to move out of Level 3, invest in your financial 
education and take control of your money, then Level 4 is a good level
or you.
 
Are You at Investor Level 4?
If you are here as a professional investor, congratulations. Very few 
people invest the time to learn and manage their own money. The 
key to success at Level 4 is lifelong learning, great teachers, great 
coaches, and like-minded friends.
Level-4 investors take control of their lives, knowing that their 
mistakes are their opportunities to learn and to grow. 
The fear of investing does not frighten them. It challenges them.
 
Are You at Investor Level 5?
To me, being a capitalist investor at level 5 is like being at the top 
of the world. Literally, the world is your oyster. The world has no 
borders. In this world of high-speed technology, it is easier than 
ever to be a capitalist in a world of plenty.
If you are at this level, keep learning and keep giving. Remember 
that true capitalists are generous because a B-quadrant capitalist 
knows you must give more to receive more.