Robert Kiyosaki’s Rich Dad Poor Dadwas first published in 1997 & quickly became a must-read for people interested in investing, money, & the global economy. The book has been translated into dozens of languages, sold around the world, & has become the #1 Personal Finance book of all time.

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The overarching theme of Rich Dad Poor Dad is how to lớn use money as a tool for wealth development.

It destroys the myth that the rich are born rich, explains why your personal residence may not really be an asset, describes the real difference between an asset and a liability, and much more.

Key Takeaways/Lessons

Six lessons Robert Kiyosaki from his Rich Dad about making money và the mistakes that Poor Dad madeFive obstacles to lớn overcome before you can become rich và stay richTen steps lớn follow khổng lồ develop your financial geniusActionable to-do steps you can put to lớn work right away

Chapter/Section Summaries

Rich Dad Poor Dad contains a total of ten chapters plus the introduction, but much of the book is focused on the first six parts or lessons.

We’ll cover the introduction & the first six lessons first, then the remaining four sections later in this review.

Introduction: Rich Dad Poor DadChapter 1: The Rich Don’t Work for MoneyChapter 2: Why Teach Financial Literacy?Chapter 3: Mind Your Own BusinessChapter 4: The History of Taxes & the power nguồn of CorporationsChapter 5: The Rich Invent MoneyChapter 6: Work to – Don’t Work for Money


Robert Kiyosaki, author of Rich Dad Poor Dad, had two main influential fathers in his life.

Poor Dad was Kiyosaki’s biological father, a man who was highly intelligent và very well educated. Poor Dad believed in studying hard và getting good grades, then finding a well-paying job. Yet, despite these seemingly positive attributes, Poor Dad didn’t do well financially.

Rich Dad was the father of Kiyosaki’s best friend. He had a similar work ethic lớn Kiyosaki’s real dad, but with a twist. Rich Dad believed in financial education, how money works, & understanding how to make money work for you. Although he was an eighth-grade dropout, Rich Dad eventually became a millionaire by putting the nguồn of money to work for him.

The book is written from Kiyosaki’s perspective of how Rich Dad went about making money and the mistakes that Poor Dad made. The first six chapters of Rich Dad Poor Dad hóa trang about two-thirds of the book và discuss the six lessons that Kiyosaki from his Rich Dad.

Chapter 1: The Rich Don’t Work for Money

Oftentimes people misunderstand the title of this chapter, & mistakenly believe that it means the rich don’t work. In fact, the complete opposite is true.

Instead of reading the chapter title as “The Rich Don’t Work for Money”, what Kiyosaki means khổng lồ say is that “The Rich Don’t Work for Money.” note that by putting the emphasis on the word “money” this section takes on an entirely different meaning.

The truth is that the majority of rich people bởi work very hard, but they go about it differently than most people do. Rich people – and people who want lớn become rich – work và every day how to lớn put money khổng lồ work for them. As Rich Dad says, “The poor và middle class work for money. The rich have money work for them.”

Kiyosaki also notes that having a regular job is just a short-term solution to the long-term problem (or challenge) of creating wealth and financial freedom:

“It’s fear that keeps most people working at a job: the fear of not paying their bills, the fear of being fired, the fear of not having enough money, and the fear of starting over. That’s the price of studying lớn a profession or trade, and then working for money. Most people become a slave to money – & then get angry at their boss.”


Chapter 2: Why Teach Financial Literacy?

The second chapter of Rich Dad Poor Dad explains the difference between an asset and a liability. Chapter 2 drives trang chủ the point that it’s not about how much money you make, but about how much money you keep.

An asset is something that has value, that produces income or appreciates, và has a market where the asset can easily be bought & sold:

Assets produce incomeAssets appreciateAssets bởi both

Conversely, liabilities take money out of your pocket because of the costs associated with them. When Rich Dad Poor Dad was first published back in 1997, Kiyosaki created a lot of controversy with this statement.

That’s because by definition, a personal residence isn’t an asset unless it appreciates enough to offset the costs of ownership. On the other hand, rental property is an asset because it can generate enough passive income lớn exceed the expenses of operating & financing the real estate.

As Kiyosaki writes in Chapter 2 of Rich Dad Poor Dad, “Want lớn grow rich? Concentrate your efforts on buying income-producing assets – when you truly understand what an asset is. Keep liabilities và expenses low. You’ll deepen your asset column.”

Chapter 3: Mind Your Own Business

There are two key messages in this chapter.

First, pay off your debts & start investing in income-producing assets as soon as possible.Next, stay financially healthy by spending your time (instead of your paycheck) & investing as much of your money as possible in assets.

Kiyosaki notes in Chapter 3 of Rich Dad Poor Dad that most people confuse their profession with their business. In other words, they spend their entire lives working in somebody else’s business và making other people rich.

One of my favorite quotes from this section is:

“The primary reason the majority of the poor & middle class are fiscally conservative is that they have no financial foundation. They have lớn cling to lớn their jobs and play it safe. They can’t afford khổng lồ take risks.”


Chapter 4: The History of Taxes và the nguồn of Corporations

When reading this chapter, it’s important khổng lồ keep in mind that Kiyosaki wrote Rich Dad Poor Dad as a motivational book, not lớn provide expert financial or tax advice.

For example, Kiyosaki writes about the time he bought a Porsche and treated it as a business expense, using before-tax dollars. Buying a high-end luxury car when a much less expensive make and model would do could put an investor on the fast track khổng lồ an IRS audit.

But putting the Porsche aside, the points made in this chapter discuss how to play the investment trò chơi smart. The rich understand the power nguồn of company structures and the tax code và use every legal means they can lớn minimize their tax burden.

Compare how business owners & investors with corporations such as C Corps, S Corps, or LLCs pay taxes to how most people pay tax:

Business owners with a corporate structure:

EarnSpendPay taxes

Employees who work for corporations:

EarnPay taxesSpend

Notice that employees who work for somebody else spend their money post-tax, while business owners earn and spend before paying tax.

Chapter 4 of the book also covers the four main components of what Kiyosaki calls “Financial IQ”: Accounting, Investment Strategy, Market Law, and Law.

As Rich Dad Poor Dad reminds us, understanding the legal and tax advantages significantly contribute khổng lồ building long-term wealth:

“For instance, a corporation can pay expenses before paying taxes, whereas an employee gets taxed first và must try to lớn pay expenses on what is left. . . Corporations also offer legal protection from lawsuits. When someone sues a wealthy individual, they are often met with layers of legal protection và often find that the wealthy person actually owns nothing . They control everything, but own nothing.”

Chapter 5: The Rich Invent Money

Inventing money means finding opportunities or giao dịch that other people don’t have the skill, knowledge, resources, or contacts for.

In Chapter 5, Rich Dad Poor Dad explains there are two types of investors:

Investment packages are bought by people who entrust their money to a developer or fund manager. This is the way that most people invest, such as buying shares of an ETF or putting money into a real estate crowdfunding venture.Identify opportunities that other people have not foundRaise funds for investmentWork with other intelligent people

Here’s one of my favorite closing thoughts from this chapter:

“Some people argue that there aren’t real estate bargains where they are, but there are prime opportunities everywhere that are overlooked. Most people aren’t trained financially to recognize the opportunities in front of them.”

Chapter 6: Work khổng lồ – Don’t Work for Money

Poor Dad was intelligent & well educated & worked for money because job security meant everything to him. Rich Dad became a millionaire by working khổng lồ

As Kiyosaki writes:

“I recommend to lớn young people khổng lồ seek work for what they will, more than what they will earn. Look down the road at what skills they want to acquire before choosing a specific profession and before getting trapped in the Rat Race.”

In fact, that’s exactly what Kiyosaki did. He joined the Marines after graduating from college và the essential business skills of leading & managing people. After serving his country, Kiyosaki joined Xerox, overcame his fear of rejection to become one of the top five salespeople in the company, then left the corporate world to khung his own business.

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Chapter 6 of Rich Dad Poor Dad then discusses the synergy of management skills needed for success in business:

Cash flow managementSystems managementPeople management


Overcoming Obstacles

Chapter 7 of Rich Dad Poor Dad begins by noting that “the primary difference between a rich person and a poor person is how they manage fear.”

Robert Kiyosaki isn’t talking about the type of fear that some people have when going khổng lồ the dentist or watching The Exorcist. In the book, “fear” is about the fear of losing money & how lớn handle that fear.

It’s one of the five biggest obstacles people face on the path to lớn becoming financially independent:

FearCynicismLazinessBad habitsArrogance

These roadblocks – and the failure lớn overcome them – are why people who have studied and achieved financial literacy are still unable lớn develop assets that generate plentiful amounts of cash flow.


Losing money is a fact of investing life, and so is the fear that comes along with it. Kiyosaki notes that he’s never met a rich person who has never lost money, but he’s met plenty of poor people who have never lost a dime because they’ve never invested.

Real estate investors who choose khổng lồ act only on a “sure thing” are paralyzed by fear in disguise. People who can’t see the big picture và think big are the ones who almost never, ever succeed in investing or in life.


Everybody has doubts that affect self-confidence, & it’s easy lớn fall into the trap of playing “What if?” especially when friends and family are constantly reminding you of your potential shortcomings.

Things like the economy crashing, interest rates rising, và tenants not paying their rent are common “what if” fears that all real estate investors have. While these are important items khổng lồ consider, it’s important not to allow the cynicism of others to overtake your control. Otherwise, you may become immobilized as opportunities pass you by.


In today’s interconnected world it’s easy to lớn confuse being busy with actually accomplishing things that matter. In fact, according lớn Rich Dad Poor Dad, busy people are often the most lazy.

Busy people arrive at the office early & leave late. They bring work home to finish at night and on the weekends. Before they know it, the people and things that matter most lớn them have disappeared.

Instead of giving in khổng lồ the hotline of the rat race and mistaking action for accomplishment, successful real estate investors are proactive and take care of themselves and their wealth first.

Bad habits

Habits control behavior. For example, most people pay their bills first before they pay themselves. The result is that there’s usually very little left over at the end of the month for investing.

Paying yourself first – even if you don’t have enough money to pay other people - makes you financially stronger, mentally và fiscally. In a way, it’s a form of reverse psychology.

When you develop the habit of paying yourself first, you become motivated by the fear of not being able lớn pay creditors. In turn, you begin looking for other forms of income lượt thích investment real estate.


Investors know what makes them money. But it’s the things they don’t know – và don’t know they don’t know – that makes them đại bại money. When people become truly arrogant, they honestly believe that what they don’t know doesn’t matter.

Train yourself to listen lớn what other people have khổng lồ say, especially when it comes lớn money and investing. If you discover you’re ignorant about a subject, educate yourself or find an expert in the field.

Overcoming these five biggest obstacles on the path to lớn real estate success requires a blend of balance & focus. There are plenty of “Chicken Littles” in the world today -- people with a victimhood mentality who live their lives in cynicism và pessimism.

Rich Dad Poor Dad suggests filtering negative people & their fears out of your life. Instead, concentrate on the big picture và always ask, “What’s in it for me?”

Getting Started

In Chapter 8, Rich Dad Poor Dad tells us that “there is gold everywhere, most people are not trained to see it.”

Part of this lack of vision and clarity comes from the world we live in. We’re trained from a very young age lớn work hard for someone else, spend the money that we earn, and borrow more if we run short.

Unfortunately, people who choose khổng lồ become one of the masses never take the time khổng lồ develop their financial genius.

Investing in real estate is the perfect example. The average person can spend a week out in the field & find nothing, while the investor who has trained himself can easily find four or five giao dịch that make sense in a single day!

Here are the ten steps to lớn follow to lớn develop your financial genius và discover the gold that’s already out there, just waiting to be found:

Have a deep emotional reason or purpose for doing what you do, a combination of wants & don’t wants.Understand the power nguồn of choice và choose daily what to lớn do, including choosing the right habits & educating yourself.Choose your friends carefully by leveraging the nguồn of association, being careful not khổng lồ listen to lớn poor or frightened people.Master the power of quickly and develop a formula for making money.Pay yourself first by mastering the power nguồn of self-discipline lớn manage your cash flow, people, & personal time.Select great people for your team và compensate them generously for their advice, because the more money they make the more money you will make.Ask “How fast vì chưng I get my money back?” by focusing on return of investment first, followed by return on investment.Use money generated by assets you own lớn buy luxuries by focusing on self-discipline lớn direct money khổng lồ create more.Have a role mã sản phẩm to follow & tap into the power nguồn of their genius to put to lớn your use.Realize that if you want something, you need to give something first.


Still Want More? Here Are Some To-Do’s

In the final section of Rich Dad Poor Dad, Chapter 9, Kiyosaki pulls the key lessons of the book together into a checklist of actions you can start taking today:

Stop doing what you’re doing by taking a break và assessing what is and isn’t working.Look for new ideas by finding resources on different & unique subjects.Find a mentor who’s been where you"re going, take them lớn lunch và pick their brain.Always be by taking classes, attending seminars, and reading.Make lots of offers (always with escape clauses) because eventually someone will say “Yes.”Spend ten minutes each month for the next 12 months walking, running, or driving a certain area & looking for changes that create bargains.Shop for real estate deals when the market corrects, because profits are made when buying, not when how, when, and where to lớn buy by investing in your education.Think bigger to get richer, because small thinkers don’t get the big breaks.Most people only look for what they can afford, so buy a bigger pie và cut it into pieces by finding a buyer first, then a seller.Negotiate volume discounts by thinking big, pooling people together, và buying in bulk.Read & from history, because history always repeats itself.Action always beats inaction.

Is Rich Dad Poor Dad Worth Reading?

The goal of Rich Dad Poor Dad is to lớn motivate you to lớn develop your own quality path to financial freedom.

While the book doesn’t take a one-size-fits-all approach with ready-made answers, it does provide an excellent framework for creating your own objectives to lớn build wealth by investing in real estate.


Provides a contrarian view that is different from the “common knowledge” found in most personal finance educationFocuses on turning income you earn into assets that produce even more incomeEncourages controlling spending và expensesExplains why investors should focus on real estate vs. Other asset typesEmphasizes the nguồn of thought & continual about taking action instead of just thinking about it


Success examples in the book are quality to Kiyosaki’s specific situation and may be hard to lớn replicateSome parts of the book also lack detail, which may make the concepts discussed more difficult lớn applyFrequently demeans people who are more comfortable following the herd rather than thinking for themselvesRich Dad Poor Dad is a motivational book, not a book written by a financial expert

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