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Rich Dad #2

Rich Dad's Cashflow Quadrant: Rich Dad's Guide to Financial Freedom

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Personal finance author and lecturer Robert T. Kiyosaki developed his unique economic perspective from two very different influences - his two fathers. This text lays out Kiyosaki's philosophy and his relationship with money.

376 pages, Paperback

Published March 1, 2012

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About the author

Robert T. Kiyosaki

344 books8,193 followers
Robert Toru Kiyosaki is an American businessman and author, known for the Rich Dad Poor Dad series of personal finance books. He is the founder of the Rich Dad Company, a private financial education company that provides personal finance and business education to people through books and videos, and Rich Global LLC, which filed for bankruptcy in 2012.
Since 2010, Kiyosaki was the subject of a class action suit filed by people who attended his seminars, and the subject of investigative documentaries by the CBC, WTAE-TV and CBS News. In January 2024, Kiyosaki revealed that he was more than $1 billion dollars in debt.

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Displaying 1 - 30 of 1,810 reviews
Profile Image for Mohammed Alsaleh.
220 reviews487 followers
June 14, 2011
هذا الكتاب امتداد لكتاب الأب الغني والأب الفقير ..
الكتاب فيه شرح تفصيلي لكيفية إدارة المال بشكل احترافي ومعرفة لعبة المال الرأسمالية ..

أنصح بقراءته بشدة .. علماً بأن كل كتب كيوساكي أنصح بها لسهولة إيصال المعلومة وإقناعك بشكل كبير بها ..
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أعدتُ قراءة الكتاب هذه الأيام لحاجتي لوزن الأمور من جديد .. بالنصبة للمصادر المالية والنفقات ..

حينما قرأت الكتاب .. عرفت الفرق بوضوح بينه وبينه كتابي " عقلية الرجل المليونير " وكتاب " أغنى رجل في بابل " ... والذي ختمتهما حديثاً ..

كيوساكي يضع يده على الجرح .. ويصف الداء .. ويبيّن المال كيف تقيسه وما هي القيمة الحقيقية له ..

سأبدأ قريباً بالكتاب الثالث له " دليل الاستثمار للأب الغني " بمشيئة الله تعالى .. وهو ضمن المخطط القادم ..

لا زلتُ أشكر الله أن أجري كلمة على لسان صاحبي " خالد الشغدلي " حينما نصحني بكتاب الأب الغني والأب الفقير الذي أعتبره بحق محور تغيّر جذري في حياتي المالية ..

ولا داعي لأن أعيد النصيحة مرة أخرى .. بقراءة الكتاب :)
Profile Image for Justin.
14 reviews2 followers
November 24, 2010
Financial freedom is a vastly different from financial security.


For those of you who have read Rich Dad Poor Dad this book is basically an extension of the lessons taught in that book. Robert Kiyosaki gives a brief description of his journey as an adult going from a short stint living in his car to financial freedom by taking advantage of tax laws and creating assets that create passive income. (My personal gushings about this book can be found here.)
The title of the book, The Cashflow Quadrant, describes an image that separates people into 4 categories: employee, self employed, business owner and investor. (below)


Many distinctions are drawn in regards to the "left side" and the "right side" of the quadrant and what it takes to be on each side.

Kiyosaki believes strongly in the fact that if you are an E or an S you play an old game that makes sense for governments and business owners because you pay the highest amount of taxes and build large amounts of debt thinking that by doing that you are avoiding taxes through credits or refunds.The left side of the quadrant works the hardest, and is obsessed with going to school to find a job and maintain their "security." Those who would be considered an S are people who are self employed and lose their income when they are not at work. (doctors, lawyers, dentists, etc.) People on the left side of the quadrant can, and some do, make a lot of money and are very successful. The problem with this success is that the more success you encounter the less personal time you have and the harder you have to work. Again, many people choose this route because they feel secure in the fact that they know where their next paycheck is coming from.

People on the "right side" of the quadrant are not concerned with security and are interested in creating income both as a business owner and investor. Business owners and investors enjoy tax breaks, are seen as visionaries and risk takers and when success comes they are the people who enjoy more free time.

This book is a learning tool for those of us interested in moving from the left side to the right side of the quadrant. Kiyosaki is methodical and slow in his approach and encourages people to keep their jobs while they take "baby steps" towards the B and I quadrants.

This is a very simple break down of a book that I would HIGHLY recommend to anybody interested in owning their own company through the creation of a system and investing. Kiyosaki speaks of creating a system that will continuously grow and can run in your absence. If you are not interested and what I just wrote seems like a conspiracy or the rantings of a person jaded by unemployment you wouldn't make it through and this book may anger you.

Hope this finds you well.

~jc
Profile Image for عبدالرحمن عقاب.
716 reviews856 followers
June 4, 2015
اسمحوا لي أن أكتب هنا تعليقي بسرد ما كتبته على صفحتي كاملًا:
قليلةٌ هي الكتب التي لا تتركها قبل أن تتغيّر داخليًا وإلى الأبد، وبعض هذا التغيير قد لا يكون في البداية ظاهرًا، لكنّه يظلّ قلقًا واضطراباً في الداخل يتحيّن لحظته.
أحد الأمثلة على هذه الكتب كتب "كايوساكي" : كتاب (الأب الغني والأب الفقيرRICH DAD ,POOR DAD)، و كتاب (النموذج الرباعي للتدفق النقدي CASH FLOW QUADRANT)
الكتابان مترجمان إلى العربية، وقد قرأت الثاني بالإنجليزية فكانت لغة الكاتب سهلة سلسة، مباشرة وواضحة.
يمثّل الكتاب الأوّل (الأب الغنيّ والأب الفقير) بالإضافة إلى كتاب (سرّ النجاح) لماركوس باكنجهام أساسًا في فنّ صناعة الحياة، تلك الحياة الكريمة التي سُلبت منّا بسبب التقاليد الإجتماعية، والمجتمعات الأبوية.
في كتاب "سرّ النجاح" يطرح الكاتب فكرة "النجاح" لا كوصفة جاهزة، ولا كنصائح باردة، بل كمفهوم خالص، يمكن لكلّ قاريء أن يفصّل به ثوبه الخاص الأنسب لمقاسه وذوقه وحاجته. والكتاب يمثّل لبّ مفهوم "التمتين" الذي يطرحه الأستاذ "نسيم الصمادي". وخلاصته؛ تقوية القويّ (أي تمتينه)، و التعامل مع الضعف بحكمة الالتفاف عليه والاستغناء عنه، لا بذل العمر في تقويته، وتدعيمه.

أمّا كتاب "الأب الغني والأب الفقير" فإنّه حديث عن الآباء الفقراء (أصحاب الشهادات الجامعية والوظائف المسمّاة)، الذين شقوا وتعبوا وأكل الدهر من أجسادهم ونفوسهم حتّى استطاعوا تلبية "جزء" هو الأهمّ من احتياجاتنا، وضاقت جيوبهم، ودمعت عيونهم كثيرًا لعدم ��درتهم على تلبية أجزاء أخرى من تلك الاحتياجات، في مقابل الآباء الأغنياء الذين ربّما حصلوا على شهادات جامعية وربما لا، لكنّهم عرفوا كيف يديرون المال، و يستغنون عن الوظيفة.
وهكذا فما يعلمك إياه الأب الفقير هو الفقر بعينه. فيما يعلمك الأب الغني فنّ الاستغناء.

كم أتمنى أن يكون الكتابان السابقان (سرّ النجاح) و(الأب الغني والأب الفقير) هدية كلّ طالبٍ ينهي مرحلته الثانوية (وهذا زمانها)؛ لأنّ الأوّل سيعينه بإذن الله على تحديد اتجاهه العلمي، فيما سيعينه الثاني بإذن الله على تحديد اتجاهه "العملي".

أّمّا الكتاب الثاني لـ"كايوساكي" فهو حديث إلى أؤلئك الذين هم أمثالي وأمثال الكثيرين ممّن حولي، ممن هم ضحية النجاح الذي عرفوه من خلال تعريف مجتمعهم له، وضحايا تعاليم الآباء الفقراء أصحاب الشهادات والوظائف، الذين لا يُنكر جهدهم وصدق نصحهم، لكنّهم –جزاهم الله خيرًا- بذلوا "أحسن" ما عندهم، ولم يكن الأحسن والأفضل والأصوب.
هذا الكتاب صراخٌ في وجه النائمين في العسل المغشوش، و صفعات على وجوه الغائبين عن الوعي، و حبلٌ ممدود لمن أراد الخروج من الجبّ العميق.
في الكتاب تشريحٌ دقيق لواقع كلّ من يجني مالاً، وخارطة طريق عامّة للإنتقال بين خانات النموذج المربّع. وهو استكمال للكتاب الأوّل عن "الأب الغني والأب الفقير".
أتمنى أن يقرأه كلّ موظّف مهما علت رتبته وامتلأت جيوبه، وأن يقرأه كلّ أبٍ فقيرٍ لينقذ أولاده الذين لو مات خشي عليهم، وكلّ مؤمن يؤمن بأنّ الرزق في السماء لا في الأرض، وبيد الربّ لا بيد العبد.

بعد هذه الكتب، سيسكنك قلق حميد، وستفكّر مرّة أخرى بحقيقة حياتك وواقعك، وستعيد بالتأكيد رسم الكثير من آمالك وطموحاتك ومعالم طريقك.
Profile Image for Andrew Saul.
139 reviews7 followers
April 9, 2012
It's a masterpiece of saying nothing but sounding very knowledgeable while you do so. From what I can garner (and it's hard because there are few if any facts to go off in the book) he made his money n the real estate boom in the US. But that seems to have convinced him that he had some magic formula to success no one else had thought of. He has done a really good job at selling snake oil through his books though, so I suppose you have to hand him that. Read this if you believe that all it takes to make money is some magic beans and a map to the giants house.
Profile Image for Starket.
55 reviews18 followers
March 2, 2008
For those of you who want to take control of your financial future, I recommend the Rich Dad, Poor Dad books. This is the second book in his series. It will not give you specific details of how to make those changes. It changes the way you think about money and opens your eyes to possibilites. Hopefully, it gives you the courage to make changes in your life to be financially successful. I know that Robert Kiyosaki's books have made drastic changes to our lives and it was only 1 year ago that my dh read his first book.
Profile Image for C.
1,133 reviews1,034 followers
March 31, 2010
This book expands on the concepts presented in Rich Dad Poor Dad. Don't expect a detailed guide to getting rich; Kiyosaki explains that he doesn't write how-to books, but rather provides the mental framework that's necessary for gaining great wealth. He calls it the BE-DO-HAVE approach: "strengthen your thoughts (being) so that you can take the action (doing) that will enable you to become financially free (having)."

Kiyosaki promotes himself as living proof that you can get rich quickly; he went from homeless to millionaire in 4 years, and financially independent in another 5. Understandably, he doesn't believe in the "get rich slowly" movement, and thinks you're wasting your time if you do. He also rejects such other common wisdom as seeking job security, relying on mutual funds, and considering a house an asset.

His promise:
"If you have a secure system that produces more and more money with less and less work, then you really do not need a job, or need to worry about losing your job or need to live life below your means. Instead of living below your means, expand your means. To make more money, simply expand the system and hire more people".


The last page of the book provides a great summary:
"Your boss's job is to give you a job. It's your job to make yourself rich. Are you ready to stop hauling water buckets and begin building pipelines of cash flow to support you, your family, and your lifestyle? Minding your own business might be difficult and sometimes confusing, especially at first...the hardest part of the process is at the start. Once you make the commitment, life really does get easier and easier."


The reference to hauling water buckets relates to an analogy at the beginning of the book. Think of money as water. Most people try to increase their income by working more hours, or carrying more buckets of water. This is exhausting, and can only get you so far. Instead, it's better to run a business and invest to earn passive income 24/7, represented by building pipelines that provide a constant flow of water.

The book explores Kiyosaki's idea of the Cashflow Quadrant, which divides income generation into 4 quadrants.


Cashflow Quadrant
E: Employee
has a job
works for the system
values security, certainty, benefits over money

S: Self-employed
owns a job
is the system
values independence over money

B: Business owner
runs a system in which people work for them
creates, owns, or controls the system
delegates to hired experts

I: Investor
invests money into the system
money works for them

Differences between the left and ride sides
The E and S are on the left, the B and I on the right.
The left side values security, while the right side values freedom.
The right side has more tax advantages.
The right side must be good with financial numbers.
The left side is riskier because you need to live within your means and keep your job.

Differences between an "S" and "B" business
"B" can leave their business for a year or more, and the business will be more profitable when they return. "S" business would collapse if the owner left.
"S" owns a job, "B" owns a system and hires competent people to operate it.

Additional notes
Become a B before an I because I's invest in B's. Having a business will give you business sense, plus the free time and money to invest.

Become a higher level investor
Levels 0-3 are poor or middle class, and invest unintelligently, if at all.
Level 4 - Long-Term Investor: starts early, uses stocks and mutual funds to get rich in the long term.
Level 5 - Sophisticated Investor: uses riskier vehicles like real estate, businesses, new stock issues.
Level 6 - Capitalist: creates investments that create jobs and make others rich.

A house is a liability, not an asset, because it doesn't generate cash, and it costs you in maintenance and taxes.
Formula for wealth: "build a business and buy real estate"; make money with C corporations, and shelter the income in real estate.

7 Steps to the Financial Fast Track
1. Mind your own business
Fill out your personal financial statement
Set 1- and 5-year financial goals

2. Control your cash flow
Pay yourself first - save to invest
Eliminate personal debt

3. Know the difference between risk and risky
Ignorance is risky; business and investing aren't
Relying on job security is risky; minding your own business isn't
Buying liabilities is risky; buying assets isn't

4. Become educated in investing and business
For financial areas outside your expertise, 1) get educated or 2) find experts
Learn from seminars, classes, trade expos, and media

5. Seek mentors
Find investing and business role models
The 6 people you spend the most time with determine your future

6. Make disappointment your strength
Try new things and expect disappointment, but have a mentor to coach you through the experience

7. Have faith
Believe in yourself
Start today!
Profile Image for John-Philip.
196 reviews10 followers
June 12, 2011
It's an alright book. Gives you a bit to think about but nothing revolutionizing. The last 40 pages or so are just blatant propaganda for his first book, Rich Dad Poor Dad, and his CASHFLOW games. If you're going to read one of Kiyosaki's books then you might as well read the original: Rich Dad, Poor Dad (and be aware that Kiyosaki's only successful venture is the Rich Dad franchise).

Conclusion: Skip it.
Profile Image for Hossam Ash-sharqawy.
4 reviews4 followers
February 13, 2014
كتاب رائع قد يغير مجرى حياتك

تذكر دعاء النبى صلى الله عليه وسلم "اللهم إنى أسألك الهدى والتقى والعفاف والغنى"

وتذكر كذلك دعائه "اللهم إنى أعوذ بك من الكفر والفقر"

اللهم اجعل الدنيا فى أيدينا لا فى قلوبنا واجعلنا نسخر علمنا وأموالنا في سبيل نصرة دينك
143 reviews4 followers
March 16, 2014
It would be sufficient for people eager to be investors to stop at Rich Dad Poor Dad. I could not finish this book because I felt that I was really just reading the same repetitive opinion -- that creating business systems and focusing on investments were the only wise things to do. There weren't really much practical advice or learning points to be obtained here.
Profile Image for Punit.
5 reviews23 followers
September 29, 2018
Had never thought about writing any book review this soon. But succumbed to feeling of disgust I experienced while reading this book.

Book is highly repetitive. Author just goes on and on and on and on explaining precisely what he has already done in his 1st book Rich Dad Poor Dad, which is still a readable one. If one wants to read any book of this author, one should read Rich Dad Poor Dad and then completely drop the idea of reading any of his books further.

Author talks about taking weekend courses in the book. He needs to take some weekend classes on English, since the language of the author, by no means, is better than that of a 7th grade student.

He indeed knows how to sell things. He just keeps on selling his books and board games throughout the book. He’d compel one so hard to buy his $8-each-and-worth-not-even-a-buck-books that one would eventually end up buying his books or board games.

This 370+ pages book (length of the book may vary depending upon the edition one may read) can be summarised in 2 pages of A4 Size.

A highly overrated book!
Profile Image for Bánh Ít Nhân Thịt.
125 reviews453 followers
July 11, 2021
2.5* Đọc cũng ok. Phù hợp với những người quan tâm chủ đề "tự do tài chính". Mình cũng có tìm hiểu về vấn đề này rồi nên đọc hơi chán, nhưng cũng học được một số điều.
Sách chủ yếu kiểu self-help, tập trung phát triển mindset chứ không tập trung lắm khía cạnh thực hành (dù cũng có nói về khía cạnh đó một vài chỗ). Cũng chung khuyết điểm với những cuốn self-help khác: chỉ nói về mindset thôi nên có cần kéo nó ra thành nguyên một cuốn dài trên 400 trang không trời (-.-)
Nhiều review (thậm chí cả tác giả) đều nói quyển này giống như một phụ lục cho tập 1, triển khai cụ thể tập 1 thôi. Nói chung nếu muốn đọc serie này thì vẫn nên đọc tập 1 trước. Lý do mình chỉ đọc tập 2 vì kệ sách công ty mình chỉ có mỗi tập 2 thôi nên mình đọc tập 2 thoi :)))
Profile Image for Scott Dinsmore.
59 reviews407 followers
July 10, 2009
Why I Read this Book: Anytime a book or author gets as much notoriety as the Cashflow brand has, I feel it is my duty to at least see what the fuss is about. Plus, I can always stand to learn a little bit more about the financial component to success.

Review:

For those of you who have not yet read the original Rich Dad Poor Dad or at least its review on this site, I recommend you do so before diving into Cashflow. This book is more of a sequel to Kiyosaki’s first book than anything else, however it does serve as a worthy stand-alone book if you so desire.

The real beauty of this book as well as any other from the Rich Dad series, is Kiyosaki’s amazing knack for writing in a way that is easy for even the most average of persons to understand. Whether you are a well versed personal finance expert or someone who has done little more than manage an allowance as a child, there is a lot here for both to learn.

Much of the book consists of Kiyosaki relating various career paths with his four quadrant system he has developed. This system breaks careers and wealth building into the categories of employee, self- employed, business-owner and investor. The real key to the whole system is getting yourself into either the business-owner or investor quadrants in order to really get on the path to financial success and freedom. It is these two quadrants together that lead to great wealth building.

Some of the teachings will no doubt seem obvious and kudos to you if that is the case more often than not. The unfortunate truth is that a great majority of our society has been brought up thinking that the career path of being a great employee of a great company is what all our training as children all the way through university has been building towards. Please don’t get me wrong, for many the path to success is directly up the corporate latter. This is fine with me as long as those who have defined success in this way have done so while knowing all of the other options available.

If Robert Kiyosaki has done nothing more than bring attention to the fact that there is much more possibility to a career than getting a job for someone else, he has done us all a great service. In fact there is much more available now than there ever was, and the opportunities will only grow. Those of you who have spent a few hours on Reading For Your Success have no doubt been unable to avoid the many experts proving this to be the case. The books you will find here show you the many paths to financial and personal success. It seems like every day someone is finding another unique and exciting way to define their success, so please continue to explore.

Reading Cash Flow Quadrant was extremely liberating for two reasons. First off it made me even more aware of the new and exciting roads to success that were not encouraged throughout my years in university and prior. For me I can never read enough about the road less traveled. The second was that I knew there were millions of people reading Robert Kiyosaki’s books all over the world and there was a pretty good chance that like-minded excitement and inspiration was brewing in these fellow readers as well.

Keep in mind that it is not just you or me as individuals who are better off for reading books like Cash Flow and others on this site. It is our success-minded population as a whole that is better off for those around us being as motivated and encouraged as we are. Mark my words; it will be people just like yourself who will be with you all along your journey to success. I encourage you to embrace the lessons in this book for their value, but more importantly I encourage you to embrace the experiences and opportunities that a book like this represents on your road to success. The odds are that you will never be able to look back and pinpoint just one thing that led you to accomplish your goals, but instead it is the accumulation of all your knowledge and experience that grants you success. Cashflow is another worthy lesson to add to the list.

-Reading for Your Success
18 reviews
March 27, 2008
This book will help you understand how money works.
Basically we all generate income from one of four quadrants.
“E” employee
“S” self-employed
“B” business owner
“I” investor
Traditional school drives most people to trade time for money on the “E” and “S” quadrants, when in reality true prosperity comes from producing value in the “B” and “I” quadrants.
This is a must read! It contains invaluable information. True principles of prosperity we're talking here. READ IT!
Profile Image for Jeffrey.
Author 4 books83 followers
July 29, 2009
The much maligned Robert Kiyosaki is here to open your eyes to the new age of finance. The age in which great sums of money are needed just to survive into retirement. Do you realize that if you're in your 20's now you'll need approximately $2.5 million to retire on? Just look at how quickly those gas prices are going up and imagine the cost of living 45 years from now.

Kiyosaki believes that the government and business are conspiring to keep the general public down by advocating education as the end-all and cure-all to the American Dream. As a former educator at the college / university level, I can tell you that an education will get you a direct ticket to debt if you don't look to your financial betterment and learn how to invest in business and real estate. This book is a must read for people who don't want to struggle financially all their lives or end up working as a Wal-Mart greeter at 75.

And if you think, like many of my former students, that a $100,000 salary will bring you wealth and security into retirement, think again. Considering that half that money will go in taxes (income, property, sales, etc.) you've got a miserable $50,000 left over. That should cover your mortgage, now what?

Kiyosaki and others on the cutting edge, realize that today one cannot rely on the government or one's employer for their financial present or future and that owning a business in some capacity is the wave of the future. And more and more people are jumping on the bandwagon, home based business on the rise (interesting that the majority of new entrepreneurs are women).

This is a must read for current and future providers.

A MUST READ!!!
Profile Image for Pavelas.
154 reviews8 followers
November 2, 2023
Tai antra mano skaityta Kiyosakio knyga ir matau, kad daugiau skaityti neverta - pradeda kartotis. Ir kartojasi ne tik lyginant su kita knyga, bet ir tos pačios knygos rėmuose, matyt siekiant, kad idėjos geriau įsimintų.

Pagrindinė idėja - kad yra keturi būdai žmogui gauti pajamų. Pirmas - būti samdomu darbuotoju. Antras - vykdyti individualią veiklą. Trečias - vystyti nuosavą didesnį verslą. Ketvirtas - investuoti. Nieko nuostabaus, kad pastarieji du būdai yra veiksmingiausi siekiant finansinės laisvės. Įdomesnė įžvalga - kad daugelis verslų užstringa individualios veiklos stadijoje, kai visas verslas sustatytas aplink savininką ir jo nesant vietoje statinys griūva. Tuo tarpu trečios kategorijos verslas paremtas kokybiškų verslo procesų įvedimu, kai savininkas ilgainiui gali pasitraukti iš tiesioginio įmonės valdymo ir tik gauti dividendus, neįdėdamas daug nuosavo laiko.

Knygą rekomenduočiau ieškantiems įkvėpimo pradėti nuosavą verslą ar investuoti. Tačiau kažkokių labai praktinių patarimų tikėtis neverta - kalbama labiau apie tai, kodėl verta tai daryti, o ne kaip to pasiekti.
Profile Image for Evan Dewangga.
228 reviews35 followers
June 28, 2019
Makasih Om Kiyosaki sudah memberi nasihat-nasihat keuangan yang gamblang dan blak-blakan. Saya yang juga konservatif melindungi nilai kapitalisme setuju banget sama pemikiran Om. Orang Indonesia yang bermental "PNS" emang pas kalo mbaca bukunya om ini.

Tapi sayang, ada yang mengusik saya dari pernyataan Om di buku, dan diulang-ulang terus sama Om. Tentang pendidikan formal, terutama pendidikan tinggi, yang menurut Om tidak penting. Tentu saya ngerti maksud Om, pendidikan formal itu mencetak pegawai, bukan pengusaha. Om juga memberi contoh macam Bill Gates atau Zuckerberg. Tapi sentimen anti pendidikan Om kuat banget. Ya tentu Om tinggal di Amerika yang pendidikannya relatif lebih bagus. Lha masalahnya Om, di Indonesia, pendidikan belum merata, bahkan yang berpendidikan pun sering nipu yang tak berpendidikan (yang bodoh). Orang yang ngga berpendidikan di sini, ya saya yakin sebagian besar ngga ada yang bisa sekritis Bill Gates terus tiba2 nyiptain Microsoft. Apalagi Om ini malah nghina lulusan S3. Iya Om tau, Amrik udah banyak S3 nya, lha Indo, kita kekurangan tenaga ahli Om, jadinya kita sering impor tenaga ahli. Nyatanya emang di sini paling gampang nyari pengetahuan bahkan keterampilan di sekolah Om.

Inget juga Om kata Pakdhe Benjamin Franklin (yang mungkin lebih cocok untuk Indo):

"An investment in knowledge pays the best interest."

Tapi poin-poin lainnya, apalagi tentang Om ngajak untuk mbuat bisnis itu emang pas banget sih. Indonesia juga masih kekurangan pengusaha. Makasih Om sudah ngajak lepas dari mental pegawai.

Bintang 3/5 untuk bukunya Om ini.
Profile Image for JJ Khodadadi.
429 reviews108 followers
March 6, 2013
کتاب آموزشی خوبی بود. در این کتاب اومده که درآمدزایی به 4 نوع کارمندی، خویش فرمایی، مالکیت کسب و کار، سرمایه گذاری انجام میشه و دومورد اول را سمت چپ چهارراه و دو مورد آخر را سمت راست چهارراه نامگذاری کرده و ابتدا هریک را توضیح داده و مشخصات و صفات آدمهای هربخش را نیز بررسی کرده است.
سپس به توضیح اینکه چطور میتوان به سمت راست چهارراه قدم گذاشته و درآمد خود را از این بخش به دست آورد. بخشی که با کارکمتر درآمدی بیشتر نسبت به سمت چپ عایدتان خواهد شد.
هرچند نویسنده بسیاری از مثالهای خود را برروی بازار امریکا آورده که برای ما کاملا غریب است اما نکات گفته شده در کتاب آموزشی خوب و مفید برای علاقمندان به کتب اقتصادی است.
به شخصه از این کتاب لذت برده و نکات خوبی آموختم
Profile Image for Krizzia Demetilla.
19 reviews24 followers
June 19, 2012
Brilliant. Now is the time to get focused on how to acquire financial intelligence.
Profile Image for Nola Tillman.
641 reviews47 followers
December 29, 2008
This is an intriguing follow-up to "Rich Dad, Poor Dad," and I enjoyed the way Kiyosaki devised his four quadrants. He definitely has a point about the difference between each quadrant or type of person. He provides sensible advice for transiting between columns.

As an interesting aside, he makes an excellent point about the public education system. I had already begun homeschooling my children because of many of the points that he discusses in his book. Specifically, the system's tendency to create employees who do things exactly and unquestionly, without thinking outside the box. I, personally, am not homeschooling my children so that they can grow up and become "B" or "I" folks (though I'd like to see them do so), but so they learn how to think and question. It was just interesting to see those points brought up against the public education system in a financial book.

My intended method of managing money trends more towards Dave Ramsey's advice than Kiyosaki's, in terms of acquiring (or not acquiring) debt, but given the local housing bust, I think Ramsey's advice has certainly played through. That said, I appreciated Kiyosaki's perspective on "how can I afford this" rather than "I can't afford this"; that is, seeking creative methods to finding a solution, rather than giving up.

An interesting, thought-provoking, financially helpful book. The only problem I have is that I always find myself seriously considering purchasing Kiyosaki's $200 board game when I finish. (Not because he turns the entire book into a commercial - although he does mention it frequently - but because I am interested in seeing how it works and how much it really helps to change financial attitudes.)
Profile Image for Onizugolf.
21 reviews38 followers
August 24, 2014
"E = Employee, S = Self Employed, B = Business Owner, I = Investor Each quadrant has their own financial perspective. Love this quote “The rich buy assets. The poor only have expenses. The middle class buys liabilities they think are assets. The poor and the middle class work for money. The rich have money work for them. - Robert T. Kiyosaki” #MyFavQuote
November 27, 2022
First finance book I’ve read so don’t really know what to think. It was uhhhh….ok? semi informative? Not sure how this would really be applied for me specifically but doesn’t necessarily mean it was bad. Probably 2.7 stars.
Profile Image for Ingrid.
247 reviews
March 2, 2017
After reading Robert's acclaimed novel, Rich Dad Poor Dad, I knew I had to jump to get this book! While its predecessor mainly explains what differentiates the poor and middle class from the wealthy, Cashflow Quadrant outlines how the wealthy ascend to financial freedom, and the levels that are required to equip oneself with financial literacy. There are four main types of people: E for Employees, S for Self-Employed, B for Businessman, and I for Investors. Kiyosaki reiterates time and time again how important it is that the poor and middle class---who usually operate as Es and S's---gain the financial education and mindset they need to be Bs and Is like the rich. In what were the best 300 ebook pages of my 17 year old life (Yup, I'm a millenial babe!), Kiyosaki lists out the ways the rich operate financially, how they accrue assets unlike liabilities, and how the design of our fiat monetary system is designed so that Bs and Is are more affluent and advantaged than Es and Ss.

I came into this book with a somewhat matured mindset about money, having just read Rich Dad Poor Dad. But some main points/tips of advice that caught my eye in Kiyosaki's book were the following:

'In the game of money, strive to be the bank, not the banker'
'If you taking the risk (when buying property or making any investment for that matter), make sure you're getting paid for it. In other words, make sure you are not paying to take a loss.'
'Unless you're getting passive income from your house, it is a liability and not an asset'
'Money=debt. Remember that. Try to have as few debts as possible. If it's a personal debt, make sure it's small. If it's large debt, make sure someone else is paying for it.'
'The rich protect their money by creating corporate bodies for them while Es and Ss act as human ones.'
'Es and Ss strive for safety and job security. Bs and Is strive for financial freedom'
'Kennedy was the last president to challenge the Federal Reserve System' (more of a fun fact than a financial OMG moment)
'Pay yourself first. Always'
'Investing involves risk (something that's inevitable and can only be controlled not extinguished). Being financially uneducated is risky.'
'We are in the Information Age, where the Industrial-Age mindset that the government should give us entitlements like Social Security and Medicare are long outdated. In the Industrial Age, the cookie cutter formula of 'go to school, get good grades, and get a secure, high-paying job' is an obsolete way of thinking, and yet we continue to base our economy off of that.'


I also made sure to jot down the list of books that Kiyosaki recommended in Cashflow Quadrant (but since this is Feb. 2017, and a certain Cheeto in Chief is in office, I won't be reading Art of the Deal anytime soon). I recommend reading any of these books to expound your insight in economic history, theory, and application, like Kiyosaki said:

The Worldly Philosophers
The Creature of Jekyll Island
Unlimited Wealth
The Sovereign Individual
The Crest of The Wave
The Great Depression Ahead
The Wealth of Nations

I hated myself for it, but I found myself nodding in awe at the points he was making about our failed government-backed social welfare system. Although I'm a big proponent of some of the welfare he renounced, I know that what lies for me in terms of Social Security will most likely, if not definitely be long gone by the time I'm retired. And throughout this book, I was all too familiar with the highlighter icon on my OneNote because all this man spoke was truth! I may come from an ignorant place, since my only financial experience has been with my allowance, I think in principle, this book gets it. I was so thrilled the author actually recommended more books for me to quench my appetite for more finance books. I'm currently on The Creature of Jekyll Island, and hope to put his advice to good practice during college with my $100k in debt as my net worth!
Profile Image for Leah.
681 reviews98 followers
July 11, 2022
If you can get past the insane repetitiveness this book has some golden principles to live by.
This book should be read every 5-10 years or so to remind yourself of what's most important and how to stay focused.
Invest in assets that generate you income, lend money to get interest not the other way around, stop accumulating liabilities or else you will fall into the debt trap and never be financially free.
Invest in cash flowing rental properties, invest in the stock market but actually go against the masses and don't diversify.
Just because you paid off your house doesn't mean it's not a liability anymore. You still have to pay city taxes, utilities, insurance, etc. A house is only ever not a liability when you're cashflowing.
The fact that this book has a ton of repetitive filler and yet I still rate it 5/5 stars should tell you something ;)
Life changer <3
Profile Image for Diana.
15 reviews42 followers
September 12, 2020
"Somos un país libre. Hay gente que trabaja más duro, que son más inteligentes, que están más motivados por el éxito, que tienen más talento o que están más deseosos de tener una buena vida que otros. Somos libres para tratar de satisfacer esas ambiciones si tenemos la determinación. Sin embargo, cada vez que a alguien le va mejor, algunas personas dicen que es injusto. Esas mismas personas piensan que sería justo si los ricos compartieran con los pobres."
Profile Image for Moses.
122 reviews9 followers
January 21, 2013
Recommended by coworker Josh F, this book presents some complex or "hidden" truths that will open your eyes to false conventional financial wisdom. For example, a mortgage isn't an asset but a liability in disguise. Def got me thinking about the importance of upping my financial knowledge as well as challenging my thinking of being an employee vs being a business owner.
Profile Image for Skaistė Girtienė.
640 reviews119 followers
September 22, 2018
Įdomu buvo skaityti ir susipažinti su autoriaus požiūriu į finansus, pinigus ir darbą. Galbūt ne su visom idėjom norisi sutikti. Visgi, sakyčiau, knygoje dėstomos mintys praplėtė akiratį bei leido geriau suvokti ir pažinti save - pats kvadrantas, suskirstantis pinigų gavimo būdus, žinios apie investuotojų lygius ir tipus, pasidalinimas savo ir aplinkinių patirtimi.
Profile Image for Ivan Petrovic Markovic.
36 reviews10 followers
July 30, 2018
Preveden kod nas kao “Tok gotovog novca”, samo preformulisana verzija knjige “Bogati otac siromašni otac”. Ako ste pročitali bogatog oca, preskočite ovo. Ako niste, predlažem da to pročitate, i još jednom preskočite ovo.
Profile Image for Kurtis Smith.
3 reviews
May 7, 2013
This book is dense in knowledge, I dare you to find another book that's informative power per page is greater.
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