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The　year　was　1991；　and　the　real　estate　market　in　Phoenix　was　terrible。　People　were　giving　houses　away。　I　suggested　to　my　classmate　that　he　buy　a　house　with　some　of　the　money　in　his　mutual　fund。　The　idea　intrigued　him　and　we　began　to　discuss　the　possibility。　His　primary　concern　was　that　he　did　not　have　the　credit　with　the　bank　to　buy　another　house；　since　he　was　so　overextended。　I　assured　him　that　there　were　other　ways　to　finance　a　property　other　than　through　the　bank。
We　looked　for　a　house　for　two　weeks；　a　house　that　would　fit　all　the　criteria　we　were　looking　for。　There　were　a　lot　to　choose　from；　so　the　shopping　was　kind　of　fun。　Finally；　we　found　a　3　bedroom　2　bath　home　in　a　prime　neighborhood。　The　owner　had　been　downsized　and　needed　to　sell　that　day　because　he　and　his　family　were　moving　to　California　where　another　job　waited。
He　wanted　102；000；　but　we　offered　only　79；000。　He　took　it　immediately。　The　home　had　on　it　what　is　called　a　nonqualifying　loan；　which　means　even　a　bum　without　a　job　could　buy　it　without　a　banker's　approval。　The　owner　owed　72；000　so　all　my　friend　had　to　e　up　with　was　7；000；　the　difference　in　price　between　what　was　owed　and　what　it　sold　for。　As　soon　as　the　owner　moved；　my　friend　put　the　house　up　for　rent。　After　all　expenses　were　paid；　including　the　mortgage；　he　put　about　125　in　his　pocket　each　month。

His　plan　was　to　keep　the　house　for　12　years　and　let　the　mortgage　get　paid　down　faster；　by　applying　the　extra　125　to　the　principle　each　month。　We　figured　that　in　12　years；　a　large　portion　of　the　mortgage　would　be　paid　off　and　he　could　possibly　be　clearing　800　a　month　by　the　time　his　first　child　went　to　college。　He　could　also　sell　the　house　if　it　had　appreciated　in　value。
In　1994；　the　real　estate　market　suddenly　changed　in　Phoenix　and　he　was　offered　156；000　for　the　same　house　by　the　tenant　who　lived　in　it　and　loved　it。　Again；　he　asked　me　what　I　thought；　and　I　naturally　said　sell；　on　a　1031　taxdeferred　exchange。
Suddenly；　he　had　nearly　80；000　to　operate　with。　I　called　another　friend　in　Austin；　Texas　who　then　moved　this　tax　deferred　money　into　a　ministorage　facility。　Within　three　months；　he　began　receiving　checks　for　a　little　less　than　a　1；000　a　month　in　ine　which　he　then　poured　back　into　the　college　mutual　fund　that　was　now　building　much　faster。　In　1996；　the　miniwarehouse　sold　and　he　received　a　check　for　nearly　330；000　as　proceeds　from　the　sale　which　was　again　rolled　into　a　new　project　that　would　now　throw　off　over　3；000　a　month　in　ine；　again；　going　into　the　college　mutual　fund。　He　is　now　very　confident　that　his　goal　of　400；000　will　be　met　easily；　and　it　only　took　7；000　to　start　and　a　little　financial　intelligence。　His　children　will　be　able　to　afford　the　education　that　they　want　and　he　will　then　use　the　underlying　asset；　wrapped　in　his　C　Corporation；　to　pay　for　his　retirement。　　　As　a　result　of　this　successful　investment　strategy　he　will　be　able　to　retire　early。
Thank　you　for　reading　this　book。　I　hope　it　has　provided　some　insights　into　utilizing　the　power　of　money　to　work　for　you。　Today；　we　need　greater　financial　intelligence　to　simply　survive。　The　idea　that　it　takes　money　to　make　money　is　the　thinking　of　financially　unsophisticated　people。　It　does　not　mean　that　they're　not　intelligent。　They　have　simply　not　learned　the　science　of　making　money。
Money　is　only　an　idea。　　If　you　want　more　money　simply　change　your　thinking。　Every　selfmade　person　started　small　with　an　idea；　then　turned　it　into　something　big。　The　same　applies　with　investing。　It　takes　only　a　few　dollars　to　start　and　grow　it　into　something　big。　I　meet　so　many　people　who　spend　their　lives　chasing　the　big　deal；　or　trying　to　mass　a　lot　of　money　to　get　into　a　big　deal；　but　to　me　that　is　foolish。　Too　often　I　have　seen　unsophisticated　investors　put　their　large　nest　egg　into　one　deal　and　lose　most　of　it　rapidly。　They　may　have　been　good　workers　but　they　were　not　good　investors。
Education　and　wisdom　about　money　are　important。　　Start　early。　Buy　a　book。　Go　to　a　seminar。　Practice。　　Start　small。　　I　turned　5；000　cash　into　a　1　million　dollar　asset　producing　5；000　a　month　cash　flow　in　less　than　six　years。　But　I　started　learning　as　a　kid。　I　encourage　you　to　learn　because　it's　not　that　hard。　In　fact；　it's　kind　of　easy　once　you　get　the　hang　of　it。
I　think　I　have　made　my　message　clear。　It's　what　is　in　your　head　that　determines　what　is　in　your　hands。　Money　is　only　an　idea。　There　is　a　great　book　called　Think　and　Grow　Rich。　The　title　is　not　Work　Hard　and　Grow　Rich。　Learn　to　have　money　work　hard　for　you　and　your　life　will　be　easier　and　happier。　Today；　don't　play　it　safe；　play　it　smart。
　
Take　Action！

Many　of　you　were　given　two　great　gifts：　your　mind　and　your　time。　It　is　up　to　you　to　do　what　you　please　with　both。　With　each　dollar　bill　that　enters　your　hand；　you　and　only　you　have　the　power　to　determine　your　destiny。　Spend　it　foolishly；　you　choose　to　be　poor。　　Spend　it　on　liabilities；　you　join　the　middle　class。　Invest　it　in　your　mind　and　learn　how　to　acquire　assets　and　you　will　be　choosing　wealth　as　your　goal　and　your　future。　The　choice　is　yours　and　only　yours。　　Every　day　with　every　dollar；　you　decide　to　be　rich；　poor　or　middle　class。
Choose　to　share　this　knowledge　with　your　children；　and　you　choose　to　prepare　them　for　the　world　that　awaits。　No　one　else　will。
You　and　your　children's　future　will　be　determined　by　choices　you　make　today；　not　tomorrow。
We　wish　you　great　wealth　and　much　happiness　with　this　fabulous　gift　called　life。

Robert　Kiyosaki；　Sharon　Lechter
　

About　the　AuthorsRobert　T。　Kiyosaki

〃The　main　reason　people　struggle　financially　is　because　they　spent　years　in　school　but　learned　nothing　about　money。　The　result　is；　people　learn　to　work　for　money。。。　but　never　learn　to　have　money　work　for　them。〃　says　Robert。
Born　and　raised　in　Hawaii；　Robert　is　fourthgeneration　Japanese　American。　He　es　from　a　prominent　family　of　educators。　His　father　was　the　head　of　education　for　the　State　of　Hawaii。　〃After　high　school；　Robert　was　educated　in　New　York　and　upon　graduation；　he　joined　the　U。　S。　Marine　Corps　and　went　to　Vietnam　as　an　officer　and　a　helicopter　gunship　pilot。
Returning　from　the　war；　Robert's　business　career　began。　In　1977　he　founded　a　pany　that　brought　to　the　market　the　first　nylon　and　Velcro　〃surfer〃　wallets；　which　grew　into　a　multimillion　dollar　worldwide　product。　He　and　his　products　were　featured　in　Runner's　World；　Gentleman's　Quarterly；　Success　Magazine；　Newsweek；　and　even　Playboy。
Leaving　the　business　world；　he　cofounded　in　1985；　an　international　education　pany　that　operated　in　seven　countries；　teaching　business　and　investing　to　tens　of　thousands　of　graduates。
Retiring　at　age　47；　Robert　does　what　he　enjoys　most。。。　investing。　Concerned　about　the　growing　gap　between　the　haves　and　have　nots；　Robert　created　the　board　game　CASHFLOW；　which　teaches　the　game　of　money；　here　before　only　known　by　the　rich。
Although　Robert's　business　is　real　estate　and　developing　small　cap　panies；　his　true　love　and　passion　is　teaching。　He　has　shared　the　speaking　stage　with　such　greats　as　Og　Mandino；　Zig　Ziglar；　and　Anthony　Robbins。　Robert　Kiyosaki's　message　is　clear。　　〃Take　responsibility　for　your　finances　or　take　orders　all　your　life。　You're　either　a　master　of　money　or　a　slave　to　it。〃　Robert　holds　classes　that　last　from　1　hour　to　3　days　teaching　people　about　the　secrets　of　the　rich。　Although　his　subjects　run　from　investing　for　high　returns　and　low　risk；　to　teaching　your　children　to　be　rich；　to　starting　panies　and　selling　them；　he　has　one　solid　earth　shaking　message。　And　that　message　is；　Awaken　The　Financial　Genius　that　lies　within　you。　Your　genius　is　waiting　to　e　out。
This　is　what　world　famous　speaker　and　author　Anthony　Robbins　says　about　Robert's　work。
　
〃Robert　Kiyosaki's　work　in　education　is　powerful；　profound；　and　life　changing。　I　salute　his　efforts　and　remend　him　highly。〃
During　this　time　of　great　economic　change；　Robert's　message　is　priceless。

About　the　AuthorsSharon　L。　Lechter

Wife　and　mother　of　three；　CPA；　consultant　to　the　toy　and　publishing　industries　and　business　owner；　Sharon　Lechter　has　dedicated　her　professional　efforts　to　the　field　of　education。
She　graduated　with　honors　from　Florida　State　University　with　a　degree　in　accounting。　She　joined