“The main reason people struggle financially is because they have spent years in school but learned nothing about money. The result is that people learn to work for money. . . but never learn to have money work for them.” Robert Kiyosaki

The #1 New York Times Bestseller “Rich Dad, Poor Dad” is a story about the money lessons that Robert Kiyosaki learned from his two dads, his biological father, who was his poor dad, and his best friend’s father, who was his rich dad. Poor dad was a Ph.D. and held a very important government position, but he never had enough money at the end of the month and he died broke. Rich dad dropped out of school at the age of 13 and went on to become one of the wealthiest men in Hawaii.

“Rich Dad, Poor Dad” is a must-read for anyone looking to develop a rich person’s financial programming and mindset. The first important lesson this book teaches is the following: Don’t work hard for money; instead, have money work hard for you.

Kiyosaki explains in his book that there are three types of income:

• Earned income

• Passive income

• Portfolio income

Poor dad taught his son Robert to go to school, study hard, and get good grades so that he could find a secure job that would pay him a good salary and give him excellent benefits. That is, he advised him to work for earned income, or to work for money. However, there are several problems with this strategy. First, income streams from a salary are linear: you only get paid once for your effort. If you stop showing up for work, you stop getting a paycheck. It’s like being on a treadmill. Second, earned income is confined to the amount of time that you work, and time is a limited resource. Therefore, there’s a limit to how much earned income you can make. And third, earned income pays the most taxes.

Passive income is income that does not require your direct involvement. You make a strong initial effort to get this type of income started, but then you do minimal work thereafter to keep it going. It can be income derived from royalties–for example, you write a book–, from patents–you invent something–, income derived from real estate, and so on. Brian Lee at geniustypes.com swears by bulk candy vending machines to create passive income. There are many ways to create passive income and the key is to be on the look-out for passive income producing opportunities.

Portfolio income is generally derived from paper assets such as stocks, bonds and mutual funds. Bill Gates is one of the four richest men in the world because of portfolio income, not earned income. That is, he’s rich because of the stock that he owns, not because of the salary he earns. One of the many benefits of portfolio income is that paper assets are easier to maintain than other types of assets.

Another way to think of passive and portfolio income is as residual income.

With residual income you work hard once, and it unleashes a steady flow of income for months or even years. You get paid over and over again for the same effort. That is, you get paid multiple times for every hour of work and the stream of income continues to flow whether you’re there or not. Therefore, you can spend your time doing things other than working for money. In addition, how much money you make is not determined by how many hours you work, but by how many residual streams of income you create.

Rich dad would say to Robert: “The key to becoming wealthy is the ability to convert earned income into passive income and/or portfolio income as quickly as possible.” Start looking for opportunities to create passive and portfolio income and develop a disciplined, well-planned strategy for your money.

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What Is YOUnique Wealth?

Unlike most wealth creation company’s that are designed more to make the owners of the company wealthy, YOUnique Wealth was designed explicitly for you, to place in your hands a wealth creation tool that works for people who DO NOT have access to the knowledge or systems that are required for real wealth creation. YOUnique Wealth has a powerful wealth creation plan called the Wealth Plan For Every Man™. Absolutely anyone can use this plan to change their long term financial future, without the risk and fear of investing in shares, real estate or traditional brick & mortar business in a fragile economy such as we currently have.

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Do you know what a wealth guru is?  A wealth guru is a guy who is usually quite wealthy himself, but whose money principally comes from the sales of books, CDs, and other programs that dispense the unconventional advice that supposedly makes him unique and which is certain to make you wealthy, too.

Robert Kiyosaki, he of the Rich Dad, Poor Dad brand, is one of these gurus.  His own success as a business owner, before fashioning himself as a financial “educator,” was mediocre, at best.  He is supposedly a highly successful real estate investor, but there are few publicly-known details on that.  In short, Kiyosaki appears to be a wealth guru on the basis that so many others are – he has managed to successfully market himself as such.

Kiyosaki recently wrote an article entitled Why the Cheap Will Never Get Rich (find it here: http://finance.yahoo.com/expert/article/richricher/153515), and it’s horrible.  The article is disorganized and rambling, but that’s not the worst part.  The worst part is that when it does dispense advice, it tells people to do all of the wrong things, or rather, tells them to refrain from doing any of the right things.  Here’s a disturbing passage:

“Millions of people are living in fear because they followed conventional wisdom: Go to school, get a job, work hard, save money, buy a house, get out of debt, and invest for the long term in a well-diversified portfolio of mutual funds. Many people who followed this financial prescription are not sleeping at night. They need a new plan. Had they sought out a little financial education, they might not be entangled in this mess.”

A key component to the oftentimes non-specific, rah-rah advice these guys dole out is the insulting of people who engage in the standard practices associated with living prudently and building net worth over the long term. 

It’s about suggesting that the way to wealth is to be “bold,” to leverage yourself to ridiculous levels in order to buy real estate, stocks, businesses, etc., and if it all doesn’t work out, go bankrupt and try it all over again.  Haven’t you heard that real winners are ten-time losers before they become mega-rich?  Well, haven’t you??  Get out there and be a winner!!

When you think about it, the passage quoted above is tantamount to saying that the best way to ensure that you’ll flunk out of college is to never miss a class, study hard every single night, do extra work, and stay after each class to speak with your instructors; the advice simply makes no sense.   

Just the sort of “wisdom” we need right now, don’t you think? 

Hardly.  Not only is it wrong-headed to publicly criticize ideas that have been proven to be the only reliable and time-honored methods of accumulating lasting wealth, but when you also consider that Kiyosaki’s wildly popular Rich Dad, Poor Dad book contains a lot of shaky advice, to include embracing big leverage in order to buy equities (how’s THAT been working for you lately?), and even advice to do that which is illegal, like using your well-connected friends to engage in insider stock trading, his credibility becomes almost completely compromised. 

What is occurring right now in the economy is highly significant, and it will hopefully cause all of us to be even more aware than we were previously about how to forge through choppy financial waters, but nothing I’ve seen has prompted me (or any other prudent financial manager I know) to unilaterally discard solid financial life-lessons and instead embrace the risky ideas for which Kiyosaki and other wealth gurus are famous.       

It’s hard to believe that such nonsense still sells at all these days.  If you want to read a good book about how to substantially increase your net worth, pick up a copy of The Millionaire Next Door by Thomas Stanley and William Danko. 

The book profiles not the “celebrity wealthy,” but rather the “Johnny Lunchbucket wealthy;” those folks who may live on your same street, who always live well below their means, invest their positive cash flow in quality investment vehicles that have proven to perform well over time, and now have a net worth in the seven-figure range.

Contrary to the assertion made in Kiyosaki’s article, wealth and frugality are not mortal enemies, but actually close allies.

People who love wealth gurus don’t tend to appreciate advice like that which is handed out in The Millionaire Next Door.  Why?  Simple; the vast majority of real millionaires don’t earn it quickly, which is the promise of the wealth guru.  Living honorably, dedicating yourself to your labors, paying off your debts, and existing well within your means so that you have more to invest in quality investment vehicles is by no means exciting, but it does work.  The approach of the guru?  Take a bunch of big chances with the financial security of you and your family, and pray you’re one of the few for whom it all comes together. 

Why didn’t I think of that?  I could be RICH now…from selling all of that sexy advice.  

I could be a wealth guru.

Robert G. Yetman, Jr.  Editor-At-Large, www.ChristianMoney.com

Excerpt from:
Wealth Gurus and Their Financial “Wisdom”