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

The Plantation System
In 2011, kids still go to school, learning nothing about money. 
In 2011, kids still come out of school looking for a job, anxious 
to get married, buy a home, and raise a family.
In 2011, the national debt is out of control, and foreclosures take 
homes from millions of homeowners.
In 2011, our wealth is being robbed via higher taxes to pay for 
this debt, debt that goes to the rich.
In 2011, kids who find jobs are only too happy to have taxes 
taken from their paychecks before they get paid. 
In 2011, kids are only too happy to have money deducted from 
their paychecks with the illusion that they are investing for their 
retirement.
In 2011, legislation is now being passed making it legal for the 
government to take a larger percentage of your wealth when you die.
This is the problem of supporting a school system led by E’s and 
S’s, training young people to be E’s and S’s. This is the problem of 
having political leaders who are E’s and S’s leading a capitalist system 
controlled by B’s and I’s.
This is what happens when E’s and S’s do not know the difference 
between assets and liabilities. They spend their lives working to 
accumulate liabilities, believing they are assets. They go to school to 
find a job without knowing that a job is not an asset. They work for 
money, not knowing that money is no longer money. They buy a 
house, not knowing that a house is not an asset. They save for their 
retirement, not knowing that stocks and mutual funds are not really 
assets. When their jobs are shipped overseas, they go back to school to 
be retrained for a new job. 
And they advise their kids to do the same thing.

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An Unfair ROI
Conclusion
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Rather than students leaving school looking for a high-paying 
job, students would leave looking for opportunities to create high-
paying jobs. Rather than students leaving school wanting to be paid 
more for less work, students would leave school seeking opportunities 
to produce more to earn more. Rather than students leaving school 
looking for job security or tenure, students would leave school able 
to create sustainable sources of revenue. Rather than leave school 
believing the rich are greedy, students would leave school wanting
to be the rich who are generous.
Most financial planners, insurance agents, stockbrokers, and 
some real estate agents will tell you to expect an 8 to 12 percent ROI 
(return on investment) per year. 
Their sales pitches are made by looking into the past—not gazing 
into the future. 
The years between 2000 and 2010 have been called the “Lost 
Decade.” For millions of amateur stock market investors, their ROI 
has been less than two percent, for some even zero percent when 
inflation is factored in. 
In real estate, millions lost everything—in some cases, more than 
everything if they buried themselves in debt trying to save a home 
that they never really owned anyway. A few professional investors also
lost everything.
However, for a few professional investors in both stocks and real 
estate, the “Lost Decade” has been their “Best Decade.”
One unfair advantage of a financial education is the possibility 
of a much higher ROI on your money, with much less risk, and (in 
many cases, with the help of a good accountant) zero taxes.
For example, in this book you’ve seen how the rich, with financial 
education, earn a minimum of a 28 percent cash-on-cash return in 
year one, that’s guaranteed by the U.S. government. 
This means that if you put $100,000 into an investment, you receive 
$28,000 cash back from the government, cash you can use or invest in 
whatever you want. Generally, I just reinvest my tax savings.

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An Unfair ROI
Unfair Advantage
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