“You put in the work, but guess what? The government and the bank get paid before you do.”

For many people, the lack of income-generating assets means their future is uncertain. Instead of their money working for them, they’re stuck working harder and harder just to keep up with bills.

When you take a closer look at the average person’s financial statement, two big drains immediately stand out:

Taxes, which can eat up nearly half of their income.

Debt payments, which often consume another third.

By the time those two “silent partners” get their cut, only scraps are left for daily living. And here’s the hard truth: the government and the bank always get paid first—before you even see your money.

This is why so many employees find themselves living paycheck to paycheck. They often pay the highest tax rates and carry the heaviest debt loads, with little protection or leverage. Even self-employed professionals may find ways to reduce the burden, but for most employees, the system feels stacked against them.

The problem isn’t a lack of hard work. The problem is cash flow. Without assets that bring in money every month, your future depends on how long you can keep working. And if you stop, so does the income.

That’s why financial education matters. Understanding how money really flows is the first step to regaining control. Schools never taught us this—but resources like Rich Dad Poor Dad shine a light on the rules of the game.

Disclaimer:

This newsletter is for educational purposes only. It is not financial, tax, or investment advice. Everyone’s financial situation is different, so always do your own research and, if necessary, consult with a licensed financial advisor before making decisions.

🔑 Key Lessons

1. Your paycheck isn’t fully yours — taxes and debt obligations often claim most of it before you even get a chance to use it.

2. The government and banks always get paid first — they are first in line, while you are last.

3. Employees carry the heaviest financial burden — the “E Quadrant” often faces the highest taxes and the least protection.

4. Cash flow is the real problem — without assets generating income, people remain dependent on working for every dollar.

5. Assets create freedom — investments that produce monthly cash flow reduce dependence on a paycheck.

6. Financial literacy is protection — the more you understand how money flows, the harder it is for the system to trap you.

7. Books like Rich Dad Poor Dad provide the missing education — schools rarely teach this, but learning these lessons is the first step toward financial independence.

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8. Taxes and debt are the two biggest drains on the average person’s paycheck.

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