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

Before Reading Further
This completes the explanation part of the CASHFLOW Quadrant. 
Before we go on, here’s the big question:
1. What level of investor are you? ________________
If you’re truly sincere about getting wealthy quickly, read and 
reread the five levels. Each time I read the levels, I see a little
of myself in all the levels. I recognize not only strengths, but
In my world, ROI stands for a “Return On Information.” This 
means that the more information I have, the higher my returns—and 
the lower my risk.
I caution you, because what I am about to say may sound insane
or too good to be true. Yet I assure you, it is true.
In my world, the world of a Level-4 and Level-5 investor, an
infinite return is expected—and with low risk. An infinite return 
means: Money for nothing. In other words, the investor receives
income without having any of their own money in the investment.
In an earlier section, I wrote that I took a real estate course in 1973. 
After looking at over 100 investments, I purchased a condo on Maui 
using 100 percent financing, which means I used none of my own 
money. I put $25 each month into my pocket. That $25 was an
infinite return on my investment, since I had zero invested. And I quote 
from that section: “My real-life education had begun. I was learning
to use other people’s money to make money, a skill a true capitalist 
must know.”
I know $25 a month is not a lot of money. Yet, it was not the 
money that was important to me. It was learning a new way of 
thinking, a way of processing information and producing a result.
One of the reasons that I have so much money today is simply
because I was educated and trained to think differently. If you have
read Rich Dad Poor Dad, you may recall that the title for chapter
one of the book is, “The Rich Don’t Work For Money.” One of the 
reasons why those in the E and S quadrants have problems with that 
statement is because most went to school to learn to work for money. 
They did not go to school to learn how to have other people’s money 
work for them.
When Kim and I started The Rich Dad Company, we borrowed 
$250,000 from investors. We paid the money back once the company 
was up and running. Today, the business has returned multi-millions 
of dollars, not only to Kim and me, but to companies and individuals 
associated with Rich Dad. As I said, capitalists are generous.
My point is that, the moment a person knows how to make money 
out of nothing or with other people’s money or a bank’s money, they 
enter a different world. It’s a world almost exactly opposite the world

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