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

Courses and Coaching
The Rich Dad Company offers educational courses and coaching 
programs through Rich Dad Coaching and Rich Dad Education. You 
can learn more about these programs, and CASHFLOW clubs, at 
RichDad.com.
Which Programs Are Best for You?
Which courses are best for you depends upon you.
When I returned from Vietnam in 1973, my rich dad 
recommended that I take a basic real estate investment course because 
I needed to learn how to manage and profit from debt. Since the dollar 
was backed by debt, he said that learning about debt was essential to 
my basic financial education.
When I told him that I was interested in becoming an 
entrepreneur, he suggested I take formal courses in sales. In 1974, I 
joined the Xerox Corporation because they had the best sales-training 
program. I stayed with Xerox for four years until I became #1 in sales.
Today, I am a best-selling author, not a “best-writing” author.

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Bonus FAQs
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important change is never easy, so a coach is essential when you are 
serious about changing your life.
Remember that, when deciding which asset class is best for you, 
it’s not just real estate, or entrepreneurship, or paper assets that are 
important. It is what being successful as an entrepreneur or real estate 
investor means to you. When you decide what is most important to 
you, then it’s time to hire a coach.
Bonus FAQ #3: What if I’m Deep in Debt?
FAQ
I am deeply in debt. Will your financial education programs help me?
Short Answer
Probably not.
Explanation
There is good debt and bad debt. Bad debt is nasty. Bad debt is why the 
economies of the United States and many countries around the world are 
stagnant, depressed, and dying.
For obvious reasons, I would love to have you purchase Rich Dad’s 
advanced education and coaching programs. But bad debt is a sign of
deeper problems, sometimes emotional ones. Bad debt is often just the tip 
of the iceberg.
Rather than sign up for our financial education and coaching 
programs, especially the advanced programs, I would recommend you 
join a CASHFLOW club and play the game with like-minded people 
a number of times. That experience will help you discover the true 
reasons that cause you to be deeply in debt. Once you have a better 
understanding of your situation and its causes, you will be able to 
make better decisions about your financial future.
Emotions are the biggest cause of financial problems. As Warren 
Buffett often says, “If you cannot control your emotions, you cannot 
control your money.”
I was on the same path. After age 35, I exercised less, ate more, drank 
more, and worked harder. It was not long before I had gained 60 pounds.
Rather than hire a coach, I kept saying, “I’ll go on a diet tomorrow. I’ll 
exercise tomorrow. I’ll fit in my old clothes in a month.” The problem 
was, tomorrow came and went. And my weight kept increasing.
One day, sitting at my desk, I saw a picture of Kim and me at the 
beach. I was embarrassed. Kim looked beautiful, smiling and loving, 
and I was twice her size, my gut filling most of the picture. That is 
when I knew I needed to stop kidding myself and hire a coach.
I worked out with a number of fitness coaches. Finally, I found one 
of the toughest coaches in town and that made all the difference. Not 
only does he hold me accountable, but he pushes me as hard as he 
pushes his 20- and 30-year-olds. There is no mercy for age. This is 
important to me because I found myself making excuses for my age. 
For my coach, age is not an excuse. That’s the kind of coach I needed.
Today, in my sixties, I am healthier than I was in my forties and 
fifties. My weight still goes up and down, but it is not out of control. 
Most importantly, as I progress into my sixties, I am actually working 
harder at keeping fit and healthy than I did when I was in my thirties, 
because I have to. Working out was easy in my thirties. My sixties have 
presented greater challenges.
I did not hire a coach just for health. My health is important, but not 
as important as my life with Kim. She makes my life worth living and 
I want to enjoy this gift of life with her in great health.
So the question is: What is important to you? It’s not just money or 
health. It’s the things that money and good health can mean to you 
and your family. Money affects all the things that are important in our 
lives. I remember feeling embarrassed and angry with myself when 
Kim and I were flat broke. I felt I had let her down, so I sought help 
from a coach to speed up my financial recovery.
If you are ready to change quadrants, from E to S, or S to B, I would 
hire a coach. Changing quadrants is not easy for most people. Any 

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Bonus FAQs
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