Cashflow Quadrant: Rich Dad's Guide to Financial Freedom
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Product Description

The Cashflow Quadrant is the follow-up guide to finding the financial fast track that best works for you. It reveals the strategies necessary for moving beyond just job security to greater financial security by generating wealth from four selective financial quadrants.

Customer Reviews:

  • eyes wide open
    This would be the number one motivating tapes i have ever heard. very thought provoking and opened my eyes ....more info
  • Whoops!
    On page 109 of this book, the author goes into a mini-rant, wondering aloud why mortgage interest is deductible, and interest on savings is not. He hashes things up totally by "suspecting" that banks don't want your deposits because they have to be carried as "liabilities" on the bank's account-books. He then has a sub-head declaring that "Banks Don't Need Your Savings" --- and then goes directly to his key idea about banks, which is that they can make loans up to 10x the amount of money deposited with them.

    Excuse me, but saying that banks don't want depositors is like saying that McDonald's doesn't want to sell hamburgers. Ray Kroc may confide that he's "really" in the real-estate business, but if his hamburger business drops off to zero, he's in trouble. (The late Ray Kroc, of course). If banks don't have any deposits, they go broke. Saying that banks don't want deposits is like saying that the Earth is flat.

    And this is coming from a guy who insists, over and over again, on people learning to understand finance and accounting. He's basically saying that a run on a bank is Great News For A Bank, since they will see all those liabilities vanish in a day or two.

    Sure. Banks don't want your money, McDonald's doesn't want to sell hamburgers, and authors don't want you to buy their books. (Oh, and Amazon doesn't want you to buy books, either!) The mysteries of Capitalism!

    Read this book with Extreme Caution....more info
  • Repetitious and boring
    I found the same stuff repeating over and over again with nothing to say how actually to get money.

    ...more info
  • Cash Flow Quadrant
    If you want to understand your own mindset about money and work, this book will indeed enlighten you. It's well worth the money if you are serious about wanting to increase your income....more info
  • Rich Dad, Poor Dad Disected
    There is a reason that the Rich Dad books have been a mainstay on the best sellers lists. Robert Kiyosaki teaches you to look at money from a new perspective. Rich Dad, Poor Dad is a must read for everyone, not just those interested in taking charge of their finances.

    If you have read the Rich Dad Poor Dad book, Cashflow Quadrant is a continuation that helps you define your place in the world of money, and helps you determine where you want to be.

    It breaks down the individual quadrants outlined in Rich Dad, Poor Dad(employee, Self-employed, Business Owner, and Investor), and helps you determine what type of "Financial Personality" you have. There is no right or wrong quadrant, and it forces a bit of self reflection. Once you determine your "financial personality"(quadrant), you understand where you fit in, in the financial world. Again, there is no right or wrong quadrant, and it offers direction on how to change your "Quadrant".

    Cash Flow Quadrant is not a get rich quick book. It is more of a guide to assist you in your financial reflection and laying the ground work to make financial changes. It not a "step by step" guide to wealth, but a guide to put you on the right path. It will not tell you "if you do this, this and this, you can retire early and rich".

    In Robert Kiyosaki's classic method of no frills teaching, he conveys his message with stories and easy to understand common sense concepts. Even the most financial illiterate can learn and understand his concepts.
    ...more info
  • Continuing the Lesson
    It just makes sense to read this after Rich Dad, Poor Dad. I have to admit it started slow and I'm glad I stayed with it. I found the continuing discussion of real wealth to be very insightful, challenging many of my previous beliefs about money and assets. Another point that really hit home:" What others think of me is none of my business, what is most important is what I think about myself". Another important reminder: "Profit is made when you buy, not when you sell." There is still time for me to make some changes in my financial dealings. More importantly, I will pass this to my college-age daughter and make sure she reads it. I urge you to do the same with your children or grandchildren....more info
  • Rich Dad's CASHFLOW quadrant
    This book is simply awesome. Robert explains in simple words how money flows and should be a must for everyone's financial education.
    I highly recommend it to everyone I work with, to better their financial life....more info
  • Incredible Book: Eye opener !
    This is one of the books I read initially when I started reading motivational, personal finance and people skill books. This book was an absolute eye opener. The way this book talks about the thought processes of Employees, Self Employed, Business Owners and Investors, it makes the process so simple and obvious that makes the book a must read for those looking to get out of rat race and don't know how. This book puts the seed of entrepreneurship in mind, and that is just incredible!

    This is a book that can change your focus - I use the lesson taught here in almost every business decision I make hence forth. I'm a first generation entrepreneur and this easily captures and explains our thought process - perfect for communicating to your spouse on how you envision building your career and/or business.

    I recommend this book for everyone.

    ...more info
  • A continuation of the original Rich Dad Poor Dad
    I loved the first Rich Dad Poor Dad book (I would give it 5 stars)! This one covers the Cashflow Quadrant (just as the title suggest) in slightly more detail than the first. While I realize redundancy is a key to driving in new ideas & making things happen naturally that don't normally, I believe this book could have been reduced to two chapters. I do not want to discourage anyone from reading it but I would suggest checking it out at the library instead of buying it. I don't believe I will need to own this book for later review....more info
  • Discover How Money Works
    Most of us have no idea how the economy works - or how to create wealth. I read this book several years ago, and it really opened up a lot of ideas and avenues for me to create not just income, but wealth. Too bad I didn't know all this when my kids were little!...more info
  • One of his BEST BOOKS!!
    O.K., first of all I'm a fan of Kiyosaki. His books have inspired me to get out there and make something happen for myself.

    Alright, this is a typical ideolgical book that classifies individuals according to what they, say, do, and think. It's challenges one to look inward to see characteristics they may want to change or at least be aware of.
    I would advise someone starting on the path to read this book several times, then make any applicable changes.


    Some people get sucked into the Kiyosaki gospel(not his fault) and fail to do anything but talk about it. They buy every book, CD course, and seminar, but don't actually "do it" Don't let this be you. Limit the amount of information you absorb and get out there and make a mess, just do it, don't analyze stuff to death or else you won't get rich...only Kiyosaki....more info
  • Uri Gofman's review of Cashflow Quadrant
    this is one of the most significant books for any aspiring entrepreneur. a must have for anyone contemplating going into business for themselves. ...more info
  • See the Whole Picture
    Cashflow Quadrant is a personal finance and investing book written with Sharon Lechter, C.P.A. as the sequel to Rich Dad, Poor Dad. In this book the authors talk about the cashflow quadrant: an illustrative tool to show the difference between Employees, Self Employed, Business owners, and Investors. The authors discuss the differences between concepts and ideas distinguishing of each quadrant, particularly as they relate to passive income and tax advantages. As a self-help author, Kiyosaki invites readers to consider their own ideas about money.

    Some readers may find the examples given in the book as false, misleading and even dangerous. Please treat these examples not as direct recipes but as fiction illustrations. Those who scrutinize these cases simply cannot see the forest for the trees. Debating Kiyosaki's assertions is a nitpicking. Some people may also criticize the authors for being overly repetitious in his teachings. They consider this a tactic to produce "filler" material in order to make it appear the authors are covering more material. I do not agree with these accusations. I think that this is an intentional teaching style common to self-help books.

    In addition to this book, I can recommend "Transforming Debt into Wealth" by John M Cummuta.
    ...more info
  • Cashflow quadriants
    This is another must read for anyone interested in learning about money management. Read Rich Dad Poor Dad first though....more info
  • Ignore this book at your own financial peril...
    What a superb piece of work - and I would have rated it a 5 if there were more information on why we humans do the stupid things we do.

    I have always maintained that Freedom means little without Financial Freedom. Mr. Kiyosaki makes a convincing case for this, and what's more - gives you tips on how to get started on this journey.

    For me the first experiences of these concepts came during the early 1970s; and again during 1990s when a 75 year old woman came to our store asking for work. I asked her - why she was looking for work at her age? Her reply - "I lost my husband recently - we spent a lot on his treatments, and now I dont have enough to pay the rent. Social security does not pay enough." I wondered how many people face a similar predicament in the US...that was the day - I decided to take charge of the situation myself - rather than let others drive my future.

    This book is a must read for all those who seek to be financially independent, and are willing to honestly face themselves - which is often not easily done. Why? Because we human beings have a certain amount of ego - that gets in the way. But for those who can swallow the ego - and are willing to listen, persevere, and do the things Mr. Kiyosaki suggests - there can be rich rewards.

    Enjoy...and be on the road to financial independence...and remember - Rich is not a dirty word!!...more info
  • over charge
    You over charge me! You charge my charge card twice!
    Please fix this problem.


    Steve O'Brien...more info
  • This is a Great Start and Great Education!
    This book is great for understanding the difference between being a
    employee and a business owner. It also make you realize that you may think
    you have a business or you may think that you are a investor, but might
    not really be. This book has inspired me and many of my friends. This book
    is not only great for the information but its really good because you can
    talk about it with your friends. (Since his book are really popular) It's
    a real good read. Just realize that it's not HOW TO information.

    Matt Bacak
    Author of The Ultimate Lead Generation Plan
    and Secrets of the Internet Millionaire Mind...more info
  • Good book, but not a Guide
    Good book. I had not heard about the 4 quadrants before, but his analysis of the type of people in each quadrant was accurate to me. It gave me more inspiration and understanding, but I would not consider it as a guide....more info
  • Excellent Book, now one of my favorites.
    Some of the concepts in this book have changed my way of thinking about work, income, business ownership and investing. The book underscores the fact that controlling expenses and acquiring assets that generate cashflow are the keys to financial freedom. I highly recommend it. ...more info
  • I am currently following his advice
    This book opened my eyes. It seems that everything he says is common sense, but the way he taught it really inspired me. After reading his book I decided to stop being an employee and move to the self-employed quadrant. I started my own corporation and I now have enough money to start investing in Real Estate following another of his books. I highly recommend this book to everybody.
    ...more info
  • This is one of the best, *I REPEAT* Best books I've ever read.
    Piece of art by Robert!
    Thank you!...more info
  • A Powerful EDUCATION
    I will confess - I've been a Robert Kiyosaki fan for many years.

    I should have posted my impressions of The Cash Flow Quadrant here a few years ago.

    Of all Kiyosaki's great books, this one is my personal favourite. I've devoured it.

    In The Cash Flow Quadrant, he coaches us like a mentor. He speakes the truth about the 4 sources of income like no other resource I know of, personally - and this is critical education that ALL of us need to have and clearly understand.

    In many cases, I've given this little Gem as a 'gift' to some special people in my life, including family.

    As a Financial Advisor, Business Consultant and Coach, I make absolutely sure that my clients and business associates "study" this book - especially SELF-EMPLOYED professionals, as they make up most of my client base. Kiyosaki "teaches" the hard realities in his book about those of us on the LEFT side of the Quadrant.

    The 4 QUADRANTS - The Cash Flow Quadrant explains the 4 different ways (quadrants) we create income. Kiyosaki puts forth the concept of people moving from the LEFT side of the Quadrant ("E" Employee + "S" Self-employed status) -- where people earn LINEAR income, and are simply "trading time for money" [hours for dollars], trapped with a limited income potential => over to the RIGHT side of the Quadrant (to "B" Business Ownership + "I" Investment Portfolio status] -- where people can generate on-going RESIDUAL income - where the financial potential is completely unlimited -- there's no ceiling. RK says - "the richest people in the world look for, and build NETWORKS -- everyone else 'looks for WORK'.

    BUSINESS 'SYSTEM' - Kiyosaki says - "... if you want long term financial success and complete control over your life, you need to "have a business system" - one that runs itself,and makes money even when you're not there". He is talking here about creating a long term 'income-producing asset' that develops a passive income. He goes on to say... "the problem is, most people don't have the education or money to purchase a business. They're trained throughout childhood to 'climb the corporate ladder', not to 'own' it. He calls Network Marketing 'the perfect "B" Quadrant entity'. Kiyosaki is one of its strongest advocates on Network Marketing as a business model, and has written a best-seller book about it, entitled, 'The Business School for People who Like Helping People', available at most good book stores.

    But What About 'SELF EMPLOYMENT'? - Yes, as attractive as Self Employment may be (and it can be) - it is still "trading HOURS for DOLLARS" - "TIME for MONEY". You do the work - you get paid. There is usually little or NO ((passive)) residual income - let alone 'multiple' streams of diversified income. Self Employment may "seem" to be like owning your own business (or profession) - but more often, it's like "owning a JOB".

    The Self Employed must continue to BE there [working] to create their incomes. Many have what they believe are magnificant and satisfying chosen careers - and that's wonderful. BUT when they get sick - or are in an accident - or get shut down - or go on vacation - or are sleeping - their income basically STOPS. Many make very large incomes, but many also have expensive lifestyles, max out their credit cards, owe high taxes, face heavy workloads.

    In my Consulting practice, I too, am a Self Employed professional (LEFT side of the Quadrant) - trading TIME for MONEY - it's LINEAR income.

    There is usually little or NO ((passive)) income - let alone 'multiple' income streams. And this is exactly why SO many solo business professionals encounter high stress and burnout (fee-based - dentists, physicians, chiropractors, attorneys, surgeons, corp executives, professional coaches, trades people, financial planners, consultants, small business owners, etc, etc).

    The Self Employed must continue to BE there [working] to create their incomes. Many of us have what we believe to be magnificant and satisfying chosen careers - and that's wonderful. BUT when we get sick - or are in an accident - or get shut down - or go on vacation - or are sleeping - our income basically S-T-O-P-S.

    Many make very large incomes, but they may also have expensive lifestyles, max out their credit cards, owe high taxes, face heavy workloads, etc.

    Kiyosaki lays it all out - he gives us the "good - the bad - the ugly". It's a compelling read.

    I give this a full "5-STAR" rating, without question.


    Peter Arnold, CLU, CFC / Founder
    Business Achievers Academy / Canada
    ...more info
  • Not specific enough
    Nice read, interesting concepts, no payoff. Pay big bucks and go to his conference. I don't think so....more info
  • Rich Dad,Poor Dad Part II
    This book is the one to read for a further education in finance after reading Rich Dad, Poor Dad. Robert Kiyosaki goes into much more detail about the four cash flow quadrants people live in:
    Employee-You trade hours for money.
    Self employeed-You own your job.
    Business owner-You own a system that makes money for you.
    Investor-You have a stake in some one else's business that will pay you.

    He examines wich one you live in and how to educate yourself and transition to to the business owner and investor side to have more freedom.

    The book is about change and growing. It teaches you how to change your financial mind set from a life time employee to making money work for you.

    This book changed the way I looked at money and I have been transitioning to the easier quadrants for 5 years.

    I also recommend reading Financial Peace by Dave Ramsey to get yourself to a financial position where you can transfer to a different quadrant....more info
  • Excelling Book
    Wake up people! Do you really believe your personal financial situation gives you a lot of freedom right now? I have an MBA in Finance and I have a Bachelor in Science, so I am highly educated, right? I have been a successful employee my entire life - and I even have several investments: real estate, commodities, 401(k), stocks, etc. I thought all is good! After reading Robert's book, I felt I am a perfect example of the poor middle class person: highly educated but (relatively) poor with no security and a lot of dependence. From my education and from my work experience, I should have had all the tools, skills and knowledge to grow my assets my whole life long without major sacrifices. Instead, I was growing my liabilities. I found out, I am a lousy investor. I am 40 years old and my assets are in a shockingly bad shape. My real estate investment creates a negative cash flow every month (I have to pay for it), my stocks are not really going up in value and my commodities are just laying there creating no interest. Nobody has really explained to me how to master my private finances. I have a great credit score, a nice house, a wonderful family and almost no credit card debt. My neighbors must think I am rich. Now, Robert's definitions of Cash Flow Quadrants, Investor Levels and Investor Types have given me a tangible hint where I really am with financially: I am in the Cash Flow Quadrant E (Employee in a rat race), Investor Level between 1 and 2 which means "I spend all I have", "I have nothing to invest" and "I am an amateur borrower". I am an Investor Type C or B which translates to "I know nothing" to "What do you recommend I invest in?". So, Robert's books inspired me to change something in my life to eventually grow my assets and finally have more freedom, spend more time with my kids, my whole family and to spend time working on improving my house and yard, instead of working for an employer like in a rat race. This book might not be for everybody. In my mind there are three types of people: the educated middle class people who understand Robert's concepts, take action and change their life. Then there are people who might understand or might not understand but won't take action anyway and stay "poor" and "dependent". The last category consists of people who have done it right and are "rich" and "free" and they might find Robert's ideas amusing or trivial. Robert would measure "free" people by looking at their passive income: people with 100% passive income from B (business) and I (investor) are free people. People with 100% E income (E = Employee = income from your own sweat and blood) are not free and they live like in a rat race. All Robert is suggesting in his books is that everything between these two extremes is better than 100% income from E. He is just trying to show you ways to get financially smarter and how to really increase you passive income. That's all! I would say: take it or leave it!...more info
  • a simple concept too drawn out
    I liked his first book but this one was not as good. Kiyosaki is the only guy I know who can take one simple concept and turn it into a whole book. He uses too many diagrams to explain simple ideas which in turn take up the bulk of the book. He's a story teller and a salesman, not an analytical numbers guy. He's very short on specifics but loves to push his CASHFLOW boardgame and other products. He takes simple investment terms, twists them around, re-gurgitates it, and puts his own spin on it. His books are mainly motivational tools. That's it. Get up and do it! But I won't give you good advice on how. ...more info
  • Best book on Financial Freedom Ever Written
    This book and Rich Dad Poor Dad changed my life. The way I think about money and how to make it was strongly influenced by this book. I was always told to go to school and get a good job. But no where in my educational career ( I have two Masters Degrees) did I ever learn about being my own boss. Or learning how to make my money work for me instead of me working for my money. You can't get a better book to teach you the fundamentals on changing your mindset about money, how to make it and how to make it work for you. ...more info
  • Very Informative And A Highly Recommended Reading For EVERYONE
    This one book from Robert T. Kiyosaki really opened my mind and eyes, I will have to read it again & yet again to really get a complete understanding of the Information he has in this book, And anyone that says reading it once is enough, READ It again and you will be surprised at what pops up out of the pages as do read this book. So If you are truely tired of the old RAT RACE and feel there is got to be a better way then read this book. ...more info
  • A Little Boring
    Not too lengthy

    Too Wordy
    At times complex
    Rocks you to sleep...more info
  • Cashflow Quadrant: Rich Dad's Guide to Financial Freedom
    I've read it three times already. Great book and helps motivate to put financial house in order....more info