“If you don’t learn the rules of money, the game will play you.”

When the author, Robert Kiyosaki, first started learning about money, the author, thought it was all about working hard, saving more, and maybe buying a house because that’s what everyone told me was “smart.” But nobody told him the truth: money is not just about saving and working harder. It’s a game — and the rules of the game are very different from what we’re taught.

Robert Kiyosaki’s mentor explained it to him simply: “The more people you owe, the poorer you are. The more people who owe you, the wealthier you are. That’s the game.”

The sad truth is, most of us are playing for the losing team — and we don’t even realize it. We’re taught to go into debt — for a house, for a car, for school — but nobody ever asks: does this debt actually pay me back? Or am I just paying others to get richer?

Here’s the harsh reality: money itself isn’t even what we think it is. Every dollar you have isn’t backed by gold or silver anymore — it’s just debt, an IOU. And it only works because people still believe in it. When that confidence disappears — as history shows it often does — everything can collapse.

So what happens? Most people keep running harder on the treadmill, borrowing more, spending more, paying interest, and believing that someday it will all work out. But it’s the wealthy who set the terms of the game. They make sure that if they take on risk or debt, they get paid for it. Meanwhile, most people are paying for risk and debt without even realizing it.

The lesson is simple, but not easy:
If you’re going to play the money game — and you have no choice because you’re already in it — then learn the rules. Know who is indebted to whom. Don’t blindly trust “common sense” advice like “your home is your biggest asset” or “get into debt for the tax benefits.”

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And above all: if you take on debt or risk, make sure it pays you, not the other way around.

The game is only a game if you understand it. If you don’t — then the game plays you.

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In my newsletter today, I’m sharing more stories and lessons from the book Rich Dad’s Cashflow Quadrant about how the game really works, and how to stop losing and start playing smarter.

 Key Lessons

• Money is a game of “who owes whom.”
  

• Every dollar is debt, not equity — backed by confidence.
  

• The poor owe others, the wealthy are owed.
  

• If you take on risk & debt, ensure you’re paid for it.
  

Disclaimer:

This is an educational post designed to provide general information. It is NOT financial advice, an offer to sell securities, or a solicitation to invest. Always consult with qualified financial, legal, and tax professionals before making any investment decisions.

To read more on:

Have you heard of "Soft Assets"? Know what they are here.

What are the forms of money? A comprehensive Guide.

"Why Smart People Make Dumb Money Mistakes"

"The Money Trap: Why Earning More Won’t Set You Free"

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