ROBERT

ROBERT KIYOSAKI
KIYOSAKI
AMERICA'S FAVORITE "RICH DAD" TALKS
FINANCIAL PREPPING AND WHERE TO PUT
YOUR MONEY FOR THE END GAME
 MEET ROBERT KIYOSAKI

Best known as the author of Rich Dad Poor Dad—the #1 personal

finance book of all time—Robert Kiyosaki has challenged and
changed the way tens of millions of people around the world
think about money. He is an entrepreneur, educator, and
investor who believes the world needs more entrepreneurs who
will create jobs.

Visit Robert online at: https://www.richdad.com/

 INTRODUCTION

Robert Kiyosaki points to May 7, 1971, as the date that the stability and
viability of the American economic system hit its most important turning
point in history.

On this fatefull day, President Nixon took the dollar off the gold
standard, effectively rendering it a fiat currency. History has not been
kind to fiat currencies, and they don’t survive long-term—they are in fact
a harbinger of an End Game scenario.

Simply saving money is not enough, explains “Rich Dad” Kiyosaki. In

fact, your money is losing value as it sits in a bank doing nothing for you.
One first step is to start converting some of that money to fungible,
tangible assets like silver and gold, which are essentially REAL money.

Another tangible asset to stock up on? Kiyosaki is a fan of bullets. Civil

unrest follows the fall of a currency, so even if you do not have a weapon,
bullets have and hold their value… think bartering power!

He also does not trust the stock market, an institution that will surely
take a violent hit in the End Game scenario.

The choices you ultimately make are your own, but we are grateful for a
voice such as that of Kiyosaki, who shares his financial wisdom with us to
help prepare for what is to come.
 THE INTERVIEW

NOTE: The interview with Robert Kiyosaki can be viewed in its entirety in the
End Game series. Don't miss it!

"America is becoming socialist and Marxist. But we don't

know it." ~ Robert Kiyosaki

Robert Kiyosaki:
First of all, I'm honored to be part of your series because this is my favorite subject.
It's nice to have people listen to what I'm saying because for years, I've been a
staunch critic of education. What is education? So that's why I wrote Rich Dad, Poor
Dad. Because I grew up in Hawaii, I'm fourth-generation Japanese-American, I went
to military school, I fought in Vietnam as a marine, as a pilot. And I began to
question what we are taught, as compared to a military school, and what I call
snowflake university.

And my poor dad was the head of education for the state of Hawaii, a very good
guy. A Japanese, fairly tall, six foot four, Ph.D., attended Stanford, Northwestern
University, Chicago. And then, unfortunately, my rich dad was my best friend's
father who I started studying with at the age of nine.

So that's the story of Rich Dad, Poor Dad, which is the importance of education. So
my poor dad and my rich dad, growing up in a little town called Hilo, Hawaii, didn't
like each other. One was a socialist and one was a capitalist. And they don't see eye
to eye.

And you see it going on today hardcore because this guy Biden and Kamala… I'm
not political. Or I believe in freedom of choice. So you want to be a communist, be a
communist, you want to be a socialist, be a socialist. I'm a capitalist… my rich dad
was a capitalist.
My poor dad was a hardcore Marxist, but he didn't know it. And the reason my poor
dad didn't know he was a Marxist is because we don't study Marxism in school. But
they teach Marxism. They don't know it. And it's just ignorance. And it's not bad
people or good people.

I went to Kings Point, and it's a military

school. And the education is different. So
the first word we're taught in military
school is mission. What is your mission?
The next words are duty, honor, courage,
discipline, integrity. That's what we're
taught.

I went for my MBA program after I was

out of the Marine Corps, and they're
teaching critical race there, gender
identity. I'm going, "Que pasa?" Trigger
zones. I'm a Marine. I am a psycho
Marine. I mean, what the hell are we
teaching? So that's kind of my whole
background.

I'm releasing a book called The Capitalist Manifesto in a few months. It goes back to
that military word, Parabellum. Parabellum means… if you want peace, prepare for
war. So The Capitalist Manifesto is for people who are preparing for war because
America is becoming socialist and Marxist. But we don't know it. Because we're not
taught the difference between fascism, socialism, communism, we don't know.

The reason Biden is a communist is because of what Marx said, "If you want to
destroy capitalism, tax people." So he's raising taxes. And what Lenin said, "If you
want to destroy capitalism, debauch the currency."

And that's what we did in 1971 when Nixon took the dollar off the gold standard. So
that's kind of my study. I'm a politically incorrect, former US Marine who is
Parabellum – I'm always prepared for war. As of today, I'm richer and richer and
richer because I prepared for this time.
Jeff Hays:
Many of us are waking up and looking around and going, wait a minute, something
has happened while I was dozing. A takeover has happened that was both slow and
rapid.

What advice do you have for those of us that are slow to the party and preparation?
From what do we do to protect our money? What are the moves that you're
suggesting to people?

Robert Kiyosaki:
So how can a person prepare is to study. Rich Dad, Poor Dad is capitalist education
versus communist education. That's all it is. But as I've always asked, what did
school teach you about money? Flatline. Well, that meant capitalists are evil. The
love of money is the root of all evil. That's what they've learned. And it's in our
heads.

So the first thing you’ve got to understand is that when I was... I went to Vietnam in
January 1972, my second tour, and that's when Nixon took the dollar off the gold
standard on August 15th, 1971. When that happened, I understood what Lenin said,
"If you want to destroy capitalism, debauch the currency."
And what most people don't realize is what Nixon did when he took the dollar off
the gold standard, the US dollar became fake money. Fiat money. And historically,
no fiat currency has ever survived. So your title is the End Game, we're in the end
game. We're in the end game of the American Republic because we're no longer a
democracy, we're no longer a republic. We've become a socialist state. And I'm not
blaming Biden or Kamala, they're just puppets.

Jeff Hays:
Well, against this backdrop, especially, and let's stay with currency, what does
somebody do who wants to protect themselves, knowing that the currency they
have is losing value at a rapid rate?

Robert Kiyosaki:
Well, as I said in Rich Dad, Poor Dad, number one, savers are losers. I got trashed
for that. But saving is like a religion with most of these commenters, they don't
know the difference. And these academic elites, you got to save money.

Another thing too, is I use debt as money. And there's a lot of these good
questions, they say, debt is evil, live debt-free. Fact is, most people should.
Because debt is like a loaded gun. It can make you rich, but it can also kill you. So
just like being a pilot in Vietnam, if you've got to use debt, you better study it.

The other thing I said is your house is not an asset, and that goes to financial
literacy. A house can be an asset or a liability, depending on how it's used.

So when I was flying in Vietnam, and I saw Nixon take the dollar off the gold
standard, I went looking for gold. So I bought my first gold behind enemy lines in
Vietnam. And the reason was behind enemy lines was because the NVA, North
Vietnamese Army, and the Viet Cong had overrun the position. And the gold mine
was behind enemy lines.

So I covered this in my book coming up, Capitalist Manifesto. That's how much I
want my freedom. I'm willing to go behind enemy lines and buy gold. And so I
finally went to Hong Kong. I bought my Krugerrand there for 50 bucks. But I started
buying silver back in 1964 when I was 17 years old. So I had a whole stash of silver
coins, dimes, quarters, and half dollars.

I'd get my money, and I go into my bank, my friend's bank, my neighbor's bank. I'd
get rolls of dimes, quarters, half dollars. And I'd pull out all the coins that had that
copper tinge around it. The copper tinge was debasing the currency.
 And the Romans did it. Their
empire went down when they
debased the currency. They
put base metals into it like this
one goes case, copper. So
when I saw that, that was
Gresham's law.

And Gresham's law states,

when bad money enters
circulation, good money goes
into hiding. So I was just
following Gresham's law as a
17-year-old kid. But I had saved
this whole bag full of real
dimes, quarters, and half
dollars.

So that was '64 or '65. I'd go off to school in New York, and I'd come home, and I
said, "I want my bag of my money." And my mom spent it. So, Jeff, that's one of the
biggest lessons of all, is that poor people don't know the difference between real
money and fake money. That's why they're poor. And that's how guys like Lenin
and Stalin and Marx and Hitler could get away with what they did, and Mao

So today, I literally have hundreds of millions in real gold and real silver and I also
save Bitcoin and Ethereum. Now are Bitcoin and Ethereum going to make it? I don't
know. But gold and silver are part of the periodic element tables, so I just save
what's real. I follow Gresham's law, bad money drives good money into hiding. So
I'm in hiding with my money.

Jeff Hays:
What are you doing in real estate right now with the laws that are passing where
you can't evict people? Is it turmoil in that market?
Robert Kiyosaki:
Well, it's the relationship. What's going on right now it's a relationship between the
equity market, stocks, and the bond market. So when I came back from Vietnam,
the bond rate was about 16%. And to keep the economy from collapsing, they kept
dropping the interest rate on the bonds.

So we had a bull market in bonds... So let's say, I have a 10% bond, and they
dropped the price to 5%. The 10% bond goes up in value, but also the 5%, that
bond spreads cash into the system. And that drove the stock market up. So it's the
relationship. This is financial education, it's not that hard. So when you drop
interest rates on the US Treasuries or bonds, it drives the stock market price up.

So instead of the economy collapsing, what they decided to do was take money out
of their treasury. So let's say, why is IBM in such trouble or General Electric in such
trouble? They borrowed money from their own treasury to buy their stock. Because
interest rates are so low, they bought the stock and they drove the price of GE
shares up.

And what happened, the CEOs and all the executives then golden parachuted out,
because when they exit with stock options, they don't pay ordinary income tax, they
pay capital gains tax.
So they would juice or jack up the price of their public company, and then
parachute out, but it would leave the company deeply in debt. And they got richer,
the shareholders got ripped off. But the CEOs got richer. That's criminal in my
opinion.

Now, nobody's going to send them to jail because it was legal. So it's actually
immoral, what they did or unethical. So today, you look at the S&P 500, 100 or 20%
of the S&P 500 is technically a zombie. They can never pay off the debt that the
CEOs borrowed out of the balance sheet of their corporations. And then they
parachuted out.

So the problem is, Jeff, is that it started at let's say, 16% interest, they got down to
almost 0%. In Europe, it got down to 0%. Why? Because they wanted you to borrow
money. Okay. So what happened is when the interest rates on the bonds went
down, stocks went up. So today, in America, real estate is this huge bubble unless
you live in California or New York. The blue states are hemorrhaging, which is good.
People are leaving the states because they defund the police, which is stupid. They
allow CHOPS, whatever that is, little insurrection groups who appear like they did
in Portland. And what's happening now is people are migrating out of California
into Arizona, Nevada, Texas, and Florida. So the people aren't stupid, our
politicians think they are. But that's why there's this migration.

Now that's driving up bubbles in Texas and in Florida in real estate. So we have
these bubbles and then the Federal Reserve Bank, this guy Powell, who's a criminal,
gets up there and says there's no inflation.

Well, have you seen what's happened to asset prices? Have you seen what's
happened? Your bond prices went up because interest rates kept coming down. So
is counterintuitive.

You think that if the interest rate goes down, the bond price should go down? No, it
goes up. This is the risk. If they actually start raising bond prices, let's say the US
Treasury, the US bond goes to 5%, it's about one and a half today, goes to 5%, the
whole freaking market comes crashing down. Stock market, real estate market.
So that's why when you call this the End Game, you must be psychic. Because it
goes back to history. Never in the history of the world has a fiat currency error
survived. The Romans tried it. The Chinese tried it. The Germans tried it. Every
country that has tried it has gone bust. So America is in the game because of the
US dollar.

Jeff Hays:
I remember the first night we met, I didn't know how big you were on education.
You have been preaching education. And so maybe the full title of the book should
be gold, silver, Bitcoin, bullets, and education. At the bare minimum, the least we
can do is let people know that this is the end game and we really do need to be
preparing for it.

Robert Kiyosaki:
My teacher was Dr. Buckminster Fuller, he created the geodesic dome and all that.
He was a hardcore socialist. Not that he was a socialist, but he really did not like
how capitalists were so greedy. That was his opinion. But Fuller was considered a
futurist. And the way he predicted the future was via a process called generalized
principles.
So in my book, Capitalist Manifesto, it's the first time I disclose what the generalized
principles teach. So the reason I'm a rich man is I follow the generalized principles
which are not taught in school.

Generalized principles are simply God's principles. I'm not religious. I'm not
preaching. But God wants people to be rich. That's why there's free sunlight.
There's AOC, Alexandria Ocasio-Cortez, the hardcore communist. And when I
heard her Green New Deal, I thought, thank You, Jesus, because capitalists are
going to make fortunes on the Green New Deal.

But with socialism and communism, the educators will still become broke because
they don't have a financial education. I'm not in the stock market. That's the reason
I didn't ever buy Apple, never bought Amazon, I just don't trust the stock market.
I've taken three companies public, I don't like the process. I'm a private investor.

So we're starting a company to produce what's called carbon credits. So it's

basically Bitcoin for the environment. And I'm going to sell it to AOC's favorite
customers, airlines, and the steamship companies. So capitalists will always make
money and socialists will always be poor. That's about it.
Jeff Hays:
So what are the rest of these generalized principles? These God's laws, what are
they?

Robert Kiyosaki:
Well, the one I think that is most relevant, especially today, is the generalized
principle is unity is plural, at minimum two. In other words, when somebody says,
I'm number one, that's impossible. You can't have one without something else. So
when somebody says they’re right, they're saying somebody is wrong, when really
both sides are right.

So I call it the three sides of a coin. There's heads, tails, and the edge, intelligence is
on the edge. So I stand on the edge of the coin and look both ways. So right now the
big battles between Bitcoin and gold. I don't know why they're arguing. I just buy
both.

Jeff Hays:
Absolutely, brilliant.

Robert Kiyosaki:
I don't really care, but they want to argue
about it. Now this is what's stupid about
the whole thing, is every time I tell people
I'm buying Bitcoin, they say, Ripple is
better or this is better... I'm going, "Well,
then buy it, stupid." Don't pump me up
because then it's a Ponzi scheme. A Ponzi
scheme they got to get somebody more
stupid than them into the system.

So my concern is Bitcoin might be a Ponzi

scheme. That's okay with me because all
markets crash anyway. If Bitcoin starts to
crash, I'm going to be out of there so fast.
Do I give a shit? No. But what if markets crash, that's bad. Yeah, for you. But for me,
I get rich when they crash.

That's the other side of the coin is you can't have a boom without a bust. So all
booms will bust and all busts will boom. That is a generalized principle. And so
intelligence is being able to stand on the edge of a coin and say good, bad, right,
wrong. I just listen to both sides and do what I want to do. That's it. That's one of
the generalized principles.

Jeff Hays:
So I can't wait to read this book. I always enjoy listening to you. I learn from you
every time. I see you in other interviews and I can't thank you enough for being
here.

Robert Kiyosaki:
Thank you. Thank you for your work and thanks for the courage. Because one of the
words we're taught at military school was courage. And the word courage is
spiritual. It comes from the heart. The base root of courage is le coeur, French. It
comes from the heart. We need courage today so we don't get panicked by our
fears and our doubts.
 FROM THE BLOG

Rich Dad Poor Dad Budgeting Tips for 2022

Written by Robert Kiyosaki, January 4, 2022

Published at https://www.richdad.com/rich-dad-poor-dad-budgeting-tips-2022

When it comes to budgeting, there are two different

mindsets. One makes you rich and the other makes
you poor. Which mindset do you have?

When it comes to financial freedom, saving is a losing strategy. It’s important to

remember that cash is just simply a currency; in order for it to bring value, it must
move into something. If it stops moving, it dies. Just like an electrical current.

Many people think that putting money in a savings account that accrues interest is
a form of investing. Unfortunately, the interest received can be offset or even
eradicated by inflation. For that reason, saving money means you’re not growing
your money at all. In fact, there's a strong chance your money will lose value as
inflation outpaces your gains.

In this post, we’ll dive into what that looks like — all consolidated into four critical
Rich Dad Poor Dad tips.

CASH IS A SUM ZERO GAME

There is no shortage of stories about currencies crashing to nothing. But the truth
is, you don’t have to go that far back in history to find examples of when saving
cash was a losing strategy.

For example, in 1983, the Zimbabwean dollar could be exchanged 1 to 1 with the US
dollar. By 2008, it took 669 billion Zimbabwean dollars to exchange for that same
US dollar. Because it was decimated by hyperinflation in the early 2000s, people
who saved Zimbabwean dollars lost — big time.

HOW RICH PEOPLE BUDGET

So if saving is losing, how does one win? Start by looking at how you budget.

My poor dad said, “Live below your means.”

My rich dad said, “Expand your means.”

My poor dad’s budget focused on cutting expenses to meet his income. It was his
priority to pay everyone else first, and then enjoy what was left — if any.

My rich dad’s budget focused on increasing income. It was important that he paid
himself first, and then took care of expenses. “Most people use their budget as a
plan to become poor or middle class rather than become rich;” he said, “My
budget is a plan to become rich.”

So without further delay, let’s explore the four budgeting tips my rich dad taught
me.

Tip #1: A budget surplus is an expense

One of rich dad's most important lessons was, "You have to make a surplus an
expense."

He was referring to the idea that most people view a surplus as an asset; and
perpetuate that concept by placing their extra cash in the bank or spending it on
liabilities. Instead of viewing extra money as an asset, rich dad viewed it as an
expense in the form of charity, investing, and saving.

Most people want to give to charity, invest in assets, and save money, but the
problem is that they view it as something to do after they've paid their expenses. By
making these things expenses in his budget, my rich dad ensured that he would
make them a priority. He called it paying himself first, where a portion of his money
was set aside for savings in case he needed liquidity in an emergency.

This is key to understanding how to save money and get rich. Rich people budget
savings not as an investment or means to get rich, but as a hedge to protect them
should the need arise and they can’t liquidate their assets quick enough. Kim and I
save about six months of living expenses at any given time.

Read this article in its entirety at https://www.richdad.com/rich-dad-poor-dad-

budgeting-tips-2022
 FROM THE BLOG

Do You Have A Financial Plan That Can Survive Bad Times?

Written by Robert Kiyosaki, July 28, 2020

Published at https://www.richdad.com/financial-plan

New Rule of Money #4: Build a financial plan

to withstand the hard times.

More than likely, you’ve heard the story of the three little pigs and the big bad wolf.
It’s a great fairytale with lessons for people at all walks of life. As the story goes,
there were three little pigs. One built his house out of straw, another out of sticks,
and the third out of bricks.

The first two pigs finished their houses before the third, who was building a brick
house that took longer to finish. They were laughing and playing, enjoying life while
the third pig worked. Eventually, the third pig finished and joined the other two pigs
to laugh, sing, and play.

Then, one day a big bad wolf came along and saw three tasty meals. He quickly
blew down the houses made of straw and sticks. Thankfully, the pigs were able to
run to the brick house, which the wolf, try as he might, could never blow down. The
two pigs learned their lesson and eventually built their own brick houses. They
lived happily ever after.
ARE YOU PREPARED FOR TROUBLE?

As many found out, 2020 brought a big, bad wolf to the world in the form of
COVID-19. Millions were infected, hundreds of thousands died, and millions more
have been financially devastated.

In the US alone, 47.1 million Americans have filed for unemployment. Untold
numbers of small business owners have gone out of business. People are losing
homes and their way of life. Layer on top of this the fact that most people only have
financial houses of straw and sticks with very little money saved and no
investments to speak of, and you have a lot of people with their financial houses
fully blown over by the big, bad wolf of COVID-19.
BAD TIMES ARE ALWAYS COMING

The truth is that the global pandemic is not the first financial big, bad wolf to come,
and it will not be the last. Bad times are certain to come. The only question is will
you be ready for them? Will you have a financial house of bricks, or will you have a
financial house of straw and sticks?

Today, unfortunately, most people have financial houses made of straw and sticks,
and there are all sorts of wolves that live out there in the darkness ready to destroy
those houses.

The problem of the two pigs that didn’t build their houses out of brick is that they
didn’t think bad times would come, so they put in little effort. Of course, trouble
did come, and when it did, only the pig who built a house of bricks was ready. He
prepared for the bad times.

Today, if you want to prosper financially, you have to prepare for trouble and
change, and build a financial house of bricks.

BUILD A FINANCIAL PLAN MADE OF "BRICKS"

My rich dad said, “Those who are financially intelligent can make money in both up
markets and down markets.”

During the last great recession, many people lost almost everything. Sadly, people
lost homes, retirement funds, and more. Some even took their own lives. For my
partners and me, however, the story was different. We made more money than
we’d ever made.

How?

We understood the new rules of money and had prepared for the bad times. We
knew they were coming, so when they did, we were ready.
BUILDING A FINANCIAL PLAN TAKES DIFFERENT EDUCATION

If you want to build a financial house of bricks, you need a different kind of
education than most people get.

There are three types of education:

Academic education: This is your traditional school where you learn how to read,
write, and do math. These are important things, but you do not learn how money
works. You can be one of the smartest people in the world, academically speaking,
but be very stupid when it comes to money. Lots of very academically gifted people
have financial houses of straw and sticks.

Professional education: If you want to be a specialist, like a doctor or lawyer, you

need a professional education. This is also important, but again, you do not learn
how money works. You can make a lot of money with a professional education, but
you won’t know how to manage it. There are lots of professionals with financial
houses of sticks and straws.

Financial education: It is important to have academic and professional education,

but if you don’t have financial education, you have an incomplete education. There
are very different lessons you need to learn about money in order to have a
complete financial education. Those who master the lessons of money are able to
build financial houses of bricks.

Read the rest of this article in its entirety at https://www.richdad.com/financial-plan

 THE ECONOMY OF PREPPING

Planning to barter for things you need is a great prepping move in the face of
potential economic collapse. Kiyosaki suggests stocking up on ammo,
because it will have tremendous trading power. There are many options to
consider...

Water filters
Coffee & Tea
Food & MREs
Medical Kits
Clothing
Toilet Paper
Batteries
Flashlights
Firestarters
Chocolate and Sweets
Coins
Water
Liquor
 PARABELLUM

"Parabellum means... if you want peace, prepare for war..."

Robert Kiyosaki

For personal reflection: In what ways have I protected my assets if there

is a war, economic collapse, or civil unrest?