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Rich dad poor dad summary: Summary, Review

Rich Dad Poor Dad Summary

Hey readers! Welcome to the page. Today we’re all set to give you full detailed information about ‘The #1 Personal Finance book of all time ‘, “Rich Dad Poor Dad”. The novel is written by an American businessman and author, Robert T. Kiyosaki. The novel was written in 1997. The novel has sold over 30 million copies worldwide and is translated into 51 languages and still retains its place on New York Times bestseller’s list. Rich dad poor dad received positive reviews from critics and has been widely acclaimed all over the world. But however, there are some negative reviews too, which is quite inevitable for a bestseller, isn’t it? You’d surely wanna give it a shot, and if unable, just read the Rich Dad Poor Dad summary.

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Rich dad poor dad summary: Critics

John T. Reed, states in his blog, “Rich Dad Poor Dad is one of the dumbest financial advice books I’ve ever read. It contains many factual errors and numerous extremely unlikely accounts of events that supposedly occurred”

But however, the magnitude of positive reviews are far larger than the negative ones

“Rich Dad Poor Dad is a starting point for anyone looking to gain control of their financial future.” – USA  TODAY

So, let’s get straight to the summary of this life-changing personal finance novel!

P.S. – You’re in for some life-changing words!

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Rich Dad Poor Dad Summary

” A mistake is a signal that it is time to learn something new, something you don’t know before”

In the novel, Robert Kiyosaki talks about his two dads, the ‘rich dad’ and ‘poor dad’. Poor dad is actually his biological father while rich dad is his best friend Mike’s father. His poor dad was a Ph.D. He went to several reputed institutions for completing his studies including Stanford University. On the other hand, his rich dad never finished eighth grade. Poor dad was a teacher while the rich was a businessman. They both lived a reputed life and earned quite well, but still, one suffered financially and the other one grew to become the richest person in Hawaii. Robert says that both dads gave him valuable advice but their point of view always contrasted.

One said,” The love of money is the root of all evil.” While the other one said,” The lack of money is the root of all evil.” One said, ” when it comes to money, play it safe. Don’t take risk.” Other one said, ” Learn to manage risk.” One believed, ” Our home is our largest investment and our greatest asset.” The other believed,” My house is a liability, and if your house is your largest investment, you’re in trouble.”

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Robert also criticizes the traditional education system for not educating children in the field of finances. He states that schools always focus on professional skills instead of building financial skills, and that’s why many doctors, lawyers, and bankers who got excellent grades may struggle financially. He also holds this poor financial education responsible for the staggering national debt of the US.

“The rich don’t work for money, they have money work for them.”

“Robert asked his father, “Dad, can you tell me how to get rich.” Unfortunately, his poor dad wasn’t able to answer that. By some twist of fate, Robert attended the same school which the children of the rich attended. So, he always had a desire to be as rich as a child. So, Robert and his best friend Mike decided to make some money. They decided to cast nickel out of the lead. However, even though they were successful in casting nickel, but the project didn’t succeed as it was illegal. But his second project flourished, in which he rented comic books to neighborhood kids. Robert states that the best part of that business was that it generated money for them even when they weren’t physically present there. However, it didn’t continue for long.

His poor dad suggested them to consult Mike’s father(rich dad) to learn how to make money as he was brilliant at it. The rich dad agreed to teach them.

The rich dad’s way of teaching was unique. He said he’d teach them, but not in an outdated classroom method, they’ll have to work for him. He offered him 10 cents an hour to work for him every Saturday. Robert and Mike worked for some time but soon Robert got fed up with the job and wanted a raise. His poor dad also advised him to ask Mike’s dad for a raise in pay. When Robert told about this to Mike he replied that his dad predicted the outcome. His dad told Mike that Robert would get fed up very soon.

“Don’t be addicted to money. Work to learn, don’t work for money. Work for knowledge.”

When Robert went to meet Mike’s dad, he had to wait for an hour first, which increased his anger and irritation. When he finally met his rich dad protested that he is just exploiting him and his pay is also very low and should be increased. And that he isn’t teaching him how to make money, he’s just using Robert.

Rich dad replied in a calm manner and said that he is indeed teaching Robert, but not in a way that school does, but in the way that life does. Instead of teaching him from books, the rich dad is making him work to learn. Rich dad insisted that Robert is behaving just like his employees do. He said that he’s just blaming others for his problems, just like rich dad’s employees do. Rich dad stated that life pushes us all around. Some people gave up and others fight. A few learn the lesson and move on. They welcome life pushing them around. To these few people, it means that they need and want to learn something. He said that it’s the fear that keeps most of the people working at a job, the fear of not paying bills, the fear of being fired, the fear of not having enough money, and the fear of starting over.

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Robert and Mike then agreed to work for him for free. They worked for a couple of weeks. After that, rich dad took Robert and Mike to the park where he proposed another offer, 25 cents an hour, they disagreed. The offer went up to 5 dollars an hour, still, they refused. They believed that they can’t be bought, hence they didn’t get into the ‘rat race’.

“Job is a short-term solution to a long-term problem.”

Robert emphasizes that when they worked for free, their minds were working to find new ways to earn money, much more than the rich dad could ever pay. People think that more money would solve their problem, but the real problem is their lack of financial education.

Rich dad states that people like his employees feel the fear of not having money, they don’t confront it logically. They react emotionally instead of using their heads. Then they get a few bucks in their hands and again, the emotions of joy, desire, and greed take over. And again they react, instead of think.

Rich dad says that most people only run after money and security. And they don’t see the opportunities, that’d make them much more money than their job does. And job and security, that’s all they get. After working for free they finally came up with an idea to make money. They started a library which consisted of old comics. The children could read the comics after paying an admission fee. However, after a dispute, the library was forced to shut.

“It’s not how much money you make. It’s how much money you keep.”

After a few decades, Mike has taken over his father’s (rich dad) company and is doing an even better job than the rich dad did. As for Robert, he retired in 1994 at the age of 47. His and his wife’s wealth is growing automatically, like a well-established tree.

Robert shares a story of the 1923 meeting of some of our greatest and richest businessmen-men who owned the biggest steel and gas company, men who sat on President Harding’s cabinet, men who ran the New York Exchange. Twenty-five years later, most of their lives ended tragically, with the men either broke, exiled, or in prison. Robert says that the 1929 stock exchange crash and the Great Depression played a major role in their fate. But we live in a time of even more turmoil and change than they did. And financial literacy is the key to our survival. Without having financial literacy background, their efforts are like building a skyscraper on a weak foundation, and instead of creating the Empire State building, they end up with the Leaning Tower of Suburbia.

Robert says that the reason why most people remain poor is because they acquire liabilities instead of assets. And people don’t know the difference between an asset and a liability. Rich dad simply explains to them that an asset is one that puts money in your pocket. A liability takes money out of your pocket. Rich dad says that if you want to be wealthy, then buy some assets.

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It’s more important to grow your income than cut your expenses. It’s more important to grow your spirit than cut your dreams.”

Often those in debt think the answer is to make more money. But not only will money not always solve their problems, but it may also compound them. It’s why many people who get a sudden windfall-through the lottery or inheritance might end up getting broke due to their increase in spending on liabilities and lack of financial education. While some people might have learned to make money, but not how to manage it.

Robert and Mike kept spending a large amount of time on meetings with his rich dad and learned from the intelligent people the rich dad was surrounded with. They also questioned the standard dogma taught at their school, which created problems with their teachers. Rich dad taught them that an intelligent person hires people who are more intelligent than he is.

“Your house is a liability, not an asset.”

Robert also began disagreeing with his father over money matters, especially when it came to poor dad’s view that his home was his greatest investment. In contrast, rich dad saw his home as a liability. Robert teaches that a home is a liability because it takes money out of your pocket-not only with taxes and expenses, but because of its loss of value and opportunities missed when all your money is tied up in your house. And that causes you to lose out on the education of investment experience.

Rich Dad Poor Dad Summary
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When there are enough assets to generate more than enough income to cover expenses, the balance is reinvested into assets. Which grows the asset column on a balance sheet. Which produces more income. The result is that the rich who understand the difference between an ‘asset’ and ‘liability’, get richer.

The middle class gets stuck in the rat race because they treat their home as an asset instead of investing in income-generating assets. They are also stuck because their salary is their primary source of income-and thus when their income increases, so do their taxes.

Robert uses a definition by R. Buckminister Fuller: “Wealth is a person’s ability to survive so many numbers of days forward-or if I stopped working today, how long could I survive?

Most people work for everyone but themselves. They work first for the owners of the company, then for the government through taxes, and finally for the bank that owns their mortgage.

“Mind your own business.”

Robert gives the example of Ray Kroc, the founder of McDonald’s. In 1974 Ray was asked to speak to the MBA class at The University of Texas. Ray asked the fellow students that what business he is in. Everyone laughed and answered that he is in the hamburger business. Ray replied,” ladies and gentlemen, I’m not in the hamburger business. My business is real estate.” Ray explains that the primary business focus was to sell hamburger franchises, but what he never lost sight of was the location of each franchise. Basically, the person who brought the franchise was also buying the real estate under the franchise for Ray Kroc’s organization.

Robert’s friend considers this as one of the most important lessons in his life. Today he owns car washes, but his business is the real estate under those car washes. Robert states that there is a big difference between your profession and your business. He often asks people that what is their business. They reply, “Oh, I’m a banker.” Robert then asks whether they own the bank. They usually respond, “No, I work there.” In that instance, they confused their profession with their business. Their profession may be a banker, but they still need their own business.

Rich Dad Poor Dad Summary
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Too many people spent their lives minding someone else’s business and making them rich. Robert suggests that people should learn to mind their own business. Minding your business doesn’t mean starting a company, though for some people it will. Instead, your business revolves around your asset column, not your income column.

“Everything the working class has been tod to do, the rich do not do. That is my message.”

Robert suggests people should start minding their own business and start buying assets. Keep expenses low, reduce liabilities, and diligently build a base of solid assets.

Robert states that real assets fall in the following categories:
1) Business that does not require his presence: He owns them, but they are managed and run by other people. If he has to work there, it’s not a business. It becomes his job.

2) Stocks

3) Bonds

4) Income-generating real estate

5) Notes (IOUs)

6) Royalties from intellectual property such as music, scripts, and patents

7) Anything else that has value, produces income, or appreciates, and has a ready market.

Robert advises us to acquire assets that we love. Robert loves real estate and hence spends much of his time thinking about and shopping for it. He also loves stocks of small startup companies, because he himself is an entrepreneur.

Robert tells his story that even when he was working for the Marines and Xerox, Robert minded his own business. He kept his day job but was active in his asset column, trading real estate and small stocks.

“My rich dad just played the game smart, and he did it through the corporations-the biggest secret of the rich.”

Robert asserts that people’s perception that Robin Hood is a hero, taking from the rich and giving it to the poor, is indeed wrong. In fact, Rich dad called Robin Hood a crook. Because though the popular sentiment is that the rich should pay more taxes and give to the poor, in reality, it is the middle class that is heavily taxed, especially the upper-income middle class. Robert explains his assertion through an example, In 1874, England made the income tax a permanent levy on its citizens. And in America, the adoption of the 16th amendment in 1913 made an income tax permanent. The majority of citizens of these countries accepted the proposal because they were first leived only against the rich. However, although income tax was designed to punish the rich, it wound up punishing those who have voted for it, the poor and middle class.

As Robert studied the history of taxes, he saw an interesting perspective: As the government’s appetite for money grew, taxes soon need to be levied on the middle class, and from there it kept trickling down. But the rich saw an opportunity because they don’t play by the same set of rules. Corporations-which became popular in the days of sailing ships-offered a way around taxes. Understanding the legal corporate structure gave the rich a steep advantage and allowed them to outsmart the intellectuals.

A corporation is simply a legal document that creates a legal entity. It is not really a thing, not a factory or a group of people. But it offers a lower income tax rate than individuals have, and certain expenses can be paid by a corporation with pre-tax dollars.

Business owners with corporations:

  1. Earn
  2. Spend
  3. Pay Taxes

Employees who work for corporations:

  1. Earn
  2. Pay taxes
  3. Spend

“Attempts to punish the rich rarely work, because the rich find ways to minimize their tax burden.”

Rich Dad Poor Dad Summary
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“Every time people try to punish the rich, the rich don’t simply comply. They react. They have the money, power, and intent to change things. The rich don’t just sit there and voluntarily pay more taxes.”

The rich always found their way out of the tax burden. One such way is section 1031 of the Internal Revenue Code, which allows a seller to delay paying taxes on a piece of real estate that is sold for capital gain through an exchange for a more expensive piece of real estate. As long as you keep trading up in value, you won’t be taxed on the gains until you liquidate. Those who don’t take up the advantage of these savings are missing a chance to build their asset column.

Robert tells his story that in his 20’s when he was just out of Marine Corps and working for Xerox, he was disappointed by how much was taken out of his paychecks in the form of taxes. It motivated him to form his first corporation in 1974 and work harder at his day job to amass as much money as possible to invest in real estate.

Robert also emphasizes the importance of accounting because it’s very important when you want to manage your income and business. Accounting is financial literacy or the ability to read numbers. This is a vital skill if you want to build an empire. The more money you are responsible for, the more accuracy is required, or the house comes tumbling down.

“I’d rather welcome change than cling to the past.”

Alexander Graham Bell, being overwhelmed by the demand for his product tried to sell his company to the Western Union for $100,000. But Western Union didn’t see the opportunity and turned him down, and a multi-billion dollar industry emerged.

The TV news reported the downsizing at a local company and one terminated manager begging, in front of the cameras, to get his job back. He had just bought a house and was afraid to lose it. Robert states that fear and self-doubt are in all of us. He has been teaching since 1984 and has seen it in thousands of individuals, and in himself. We all have tremendous potential, and we all have self-doubt. Courage can make a difference in leading a successful life.

Financial genius requires technical knowledge as well as courage. Take risks, be bold, let your genius convert that fear into power and brilliance-advice that would terrify some because so many people play it safe when it comes to their money. There are many changes ahead in our world. And developing your financial IQ allows you to see that future of change through the lens of excitement, not dread. You’ll see the opportunities and act on them, as opposed to those who allow their fear to keep them on the sideline, watching others move boldly forward. Som clings to the old ideas, and when they struggle, blame technology and the economy. What they fail to see is that old ideas are their biggest liability. An idea or way of doing something that may have been an asset yesterday isn’t today.

“The single most powerful asset that we all have is our mind.”

Robert also mentions his game CASHFLOW, which teaches people how money works and about the interaction of the income statement with the balance sheet. He believes that games are a powerful way to teach, as they reflect behavior and are instant feedback systems.

Rich Dad Poor Dad Summary
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Money-which isn’t real, by the way, but just what we agree it is-isn’t our greatest asset. Our mind is. Train it well. Millions can be made from nothing more than ideas and agreements.

Financial intelligence is simply having more options, figuring out ways to create more opportunities, or alerting situations to work in your favor. Putting money each month is a sound idea, but it can blind you to what is really going on and cause you to miss opportunities for much more significant growth.

Robert shares his story that during the 1990s, the economy in Phoneix was terrible. Robert and his wife Kim capitalized on that, investing in real estate. He gave an example of buying a home worth $75000 for $20000 using $2000 as a down payment. While the purchase was being processed, he ran an ad advertising a $75000 house for only $60000 and no money down. As soon as the house was legally his, he sold it in minutes. Everyone was happy and $40000 was created from money in Robert’s asset column in the form of a promissory note from the buyer. At 10% interest, $4000 a year in cash flow is added to income. Total working time: 5 hours.

A few years later, the Phoenix market strengthened and it wasn’t worth their time to ferret out the deals, so they moved on.

“Markets go up and down and investments come and go. The world is always handing you opportunities of a lifetime; you simply need to be able to see them.”

Robert shares an example of buying a house for $45000 in the depressed market in Portland, Oregon, and renting it out for very little profit. But a year later the market picked up and he sold it for $95000, reinvesting the capital gains into a 12 unit, $300000 apartment in Beaverton, Oregon. Two years later, that was sold and the profit put up into a 30-unit, $875000 apartment building in Phoenix. A few years later, an investor offered $1.2 million for the property. It’s an example of how a small amount of money can grow into a large amount.

The more you develop your financial intelligence-which takes time-the more opportunities will be offered to you. Robert shares his philosophy of planting seeds in his asset column. Start small and plant seeds. Some grow, some don’t. Some grow into millions from little investments.

Robert states that there are two kinds of investors

  1. Those who buy a packaged investment from a retail outlet, such as a financial planner.
  2. Those who create investments; are also known as professional investors.

If you want to be the second type of investor, you must develop three main skills.

  1. Find the opportunities that everyone else missed.
  2. Raise money
  3. Organize smart people and hire those with more intelligence than you.

“To know a little about a lot.”

Robert was interviewed by a journalist in Singapore, who, over the course of the conversation, revealed that she wanted to become a best-selling author like him. But her novels, which everyone said were excellent, never went anywhere. Robert advised the reporter to take a course in sales training. That offended her, she said that she has a master’s in English literature and didn’t see how learning to sell would help her. In fact, she hated salespeople. So Robert pointed out that he’s a ‘best-selling’ author, not a ‘best-writing’ author. She asserted that she would never stoop so low as to learn to sell and left the interview.

There are talented people all around us who struggle financially, just like that reporter. In the words of one business consultant, “They are one skill away from greatness.”

Rich Dad Poor Dad Summary
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What that means is that too many of us specialize. If we would learn and master just one more skill, our income would jump exponentially. When it comes to money, the only skill most people know is to work hard.

When Robert graduated from the U.S Merchant Marine academy in 1969, he was hired as a third-mate on a Standard Oil tanker fleet. The pay was OK, but it came with five months of vacation a year. It could’ve been a great career but after six months, Robert quit to join the Marine Corps and learn how to fly.

Rather than specialize-as, so many do, including poor dad-Robert sought out new skills. Rich dad encouraged that, telling him to learn a little about a lot. That’s why Robert and his friend Mike had worked so many jobs growing up, to gain a variety of experiences.

“What people should do is seek work that will teach them the skills they’ll need.”

If you are unwilling to work to learn something new and instead insist on being highly specialized within your field, make sure the company you work for is unionized. Your specialized skill may be useless outside your field, otherwise.

The main management skills needed for success are:

  1. Management of cash flow
  2. Management of systems
  3. And Management of people

The most important specialized skills are

  1. Sales and marketing
  2. Communication skills such as writing, speaking, and negotiating

“The primary difference between rich and poor people is how they manage fear.”

Overcoming fear

Everyone has the fear of losing money, the difference is how you handle fear and loss. Rich dad recommends thinking like a Texan. Win big, lose big-it’s your attitude towards that loss that matters. Robert states that he has never a rich person who hasn’t lost money. But they don’t let the fear of that take them out of the game. Winners know that failure inspires winning-so why be afraid of failure when it can lead to greatness? Building your asset column doesn’t take hard math, but it does take courage and the right attitude towards failure.

Overcoming laziness

One of the most common forms of laziness is staying busy. Too busy to take care of your wealth, or your health, or your relationships. What’s the cure? A little greed.

Without that little greed, the desire to have something better, progress is not made. Our world progresses because we all desire a better life. New inventions are made because we desire something better. We go to school and study hard because we want something better.

Overcoming bad habits

To be successful, you must develop successful habits. Poor dad always paid everyone else first and himself last, but he rarely had anything left over. Rich dad always paid himself first, even if he was short of money.

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He knew that creditors and the Government would make a big enough flap if he didn’t pay them and that would motivate him to seek other forms of income to pay them. If he paid himself last, he won’t feel that kind of productive pressure.

Overcoming arrogance

Many people use arrogance to hide their own ignorance. Robert has found in discussions with accountants and other investors that they will try to bluster their way through the discussion, and it becomes clear if they don’t know what they’re talking about.

Rich dad said every time he had been arrogant, he had lost money because he thought that what he didn’t know wasn’t important.

Ignorance isn’t a bad thing if you react to your own ignorance by educating yourself by finding an expert in the field.

“There is gold everywhere, most people are not trained to see it.”

It is easy to find great deals. It’s just like riding a bike. After a little wobbling, it’s a piece of cake. But when it comes to money, it takes determination to get through the wobbling.

Find a reason greater than reality: The power of the spirit

Many want to be rich and financially free, but they turn away because the road seems too difficult to get there. Like a future Olympic swimmer who sacrifices time and social engagements in order to put in hours at the pool and studying hard. People need a strong, clear goal or reason I order to push through the obstacles.

Like Robert, you must have strong enough emotional reasons behind wanting to be rich to sustain yourself through setbacks. He lost money many times, but he kept going because his reason was strong enough.

Becoming rich wasn’t easy but it wasn’t that hard either. But if Robert hadn’t had a strong reason behind it, it would’ve been incredibly difficult.

Make daily choices: The power of choice

You have the choice every day whether to be rich, poor, or middle class. Your spending habits reflect who you are. The poor have poor spending habits. Most people choose not to be rich. They tell themselves that they’re not interested in money, or that they’re young and don’t need to worry about it yet, or myriad other excuses.

Robert urges people to first invest in education, as our mind is our most powerful asset. Once we are old enough, we all have the choice of what to put in our brains. But instead of choosing to invest in learning, most people simply buy investments.

Listen. Learn. Take a long view of your wealth, not a get-rich-quick mentality. Invest in your greatest asset-your mind-before investing in stocks or real estate.

Choose friends carefully: the power of association

Robert learns from all his friends, both those who have money-seeking their knowledge-and those who struggle financially. The latter group teaches him what not to do. He states that several of his friends who have generated more than a billion dollars all report the same phenomenon; Their friends who have no money never ask them how they did it. They just ask for a job or a loan, or both.

Robert warns us not to listen to poor or frightened people. To them, when it comes to investments, the sky is always falling. They can always tell you why something won’t work.

Pay yourself first: The power of self-discipline

Of all steps, self-discipline may be the most difficult to master if it’s not part of your makeup. But personal self-discipline is the No.1 delineating factor between the rich, the poor, and the middle class. Though many repeat the statement, “Pay yourself first”, few have the discipline to put it into practice.

Rich Dad Poor Dad summary
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To successfully pay yourself first

  1. Don’t get into large debt positions that you have to pay for. Keep your expenses low. Build up assets first. Then buy a big house and a nice car.
  2. When you come up short, let the pressure build, and don’t dip into your savings or investments. Use the pressure to inspire your financial genius to come up with new ways of making more money, and then pay your bills. You will have increased your ability to make more money as well as your financial intelligence.

Use assets to buy luxuries: The power of focus

Robert loves luxuries as much as the next person. But he won’t borrow money for them, instead of focusing on the asset column to create the money to buy those luxuries.

Developing cash flow from the asset column is easy in theory- what’s hard is the mental fortitude to direct money to the correct use. Borrowing money is easy in the story term but harder in the long run.

Rich dad poor dad summary: Review

Well, you would’ve realized the eminence of this masterpiece after reading the Rich dad poor dad summary. The novel is really amazing and probably the best personal finance you’d ever read. The language is very simple and easily understandable and there are no prerequisites (like economic knowledge) to understand this novel. However, it would be quite confusing due to the numbers and laws, but you’d surely get it after some research.

The novel consists of hundreds of life-changing quotes with proper explanation, which is the best part of the novel. And the story of Robert’s poor dad is highly relatable (especially if you belong to a typical middle-class family). Rich Dad Poor Dad provides some valuable advice for investing in stocks or real estate. Rich Dad Poor Dad is indeed a starting point for you if you’re looking forward to gaining control of your financial future, and becoming rich.

Hope you enjoyed reading Rich Dad Poor Dad summary and review!

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The Science of Getting Rich

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