I have been working on this one all my life. My childhood was one of being the unpopular geek. I was the four eyes kid that never really fit in with any group. In high school i was the band geek. I was raised in a middle class home with middle class values of getting a good education. All my life I have felt different inside. I wanted to fit in during school yet I knew i had something else to do. NOw that I have embarked on entrepreneurship I feel like I belong. I've had a job since i was 12 years old. I 've only done labor jobs, odd jobs and sales jobs. I've never had a career in the traditional sense. I was talking with some friends the other day about jobs and they were discussing things like "comp time" , "vacation time" and "benefits packages". I realized I have never had any of those. I paid for college by being a good salesman and entrepreneur. I've been self employed for ten years. when the going gets tough in my business the loser starts to come out and start thinking about how easy it would be to have a job and not these problems. Then I think about hitting my hand with a framing hammer over and over again. I think that would be less painful than a job. Now as I look back on my life I realize that it was so much easier to be an entrepreneur because I didn't fit in with the popular groups. I didn't get into those thought patterns. Since graduating I have sought non-traditional education by the truck loads. I have a masters in NLP, found a company that sells learning tapes, and college courses on dvd ( have basically given myself a degree in economics, finance, medicine, quantum mechanics, astronomy, philosophy, religion, and history. and none in the traditional school system.)
I love to push myself. I started a navy seal training program for physical fitness, have found ways to read 20,000 words per minute, can hypnotise myself and push my mind and body, have started 8 network marketing companies as well as 7 regular businesses. Now I am going through Rich dad education and the WIA for real estate and entrepreneurship. Most people that know me are shocked I only had a 3.1 GPA in school. I have been fighting the loser in me for years. Just a week ago I was at the new Launch your business class in Salt Lake when the loser started to emerge again and I found a few fears around money. Now I can tackle them and get better.
All my family thought I was going crazy when I started my journey as an entrepreneur. My mom used to find jobs for me to apply for. Now that I have been able to give my family a raise of $20,000 every year for the last 5 years in my current business they have less negative things to say. Even my younger brothers are starting to ask me more questions on how to get started on their own financial future. I am not where my dreams take me to so I will keep on pushing myself to overcome more and be better until I get to where I want to go.

I have really appreciated the book and the bonus stories. I have recommended Conspiracy of the Rich to many prople and will definately buy one when available so I can read it again and use the information to my advantage. I would like to be able to do the same with the bonus stories but have not found a way to save them to my computer. Any suggestions?

I agree with getting the loser out and have been working on that as well as other successes. Now friends are starting to come to me for advice in financial matters. I refer them to your books and encourage them to take the material very serious. By the way I was an educator for thirty years before waking up now I am in the S and I segments and woring toward the B.

Thanks for your help

Well my negative opinions where i dont want to work for i boss hole my life i always know that there where rich people and poor people and that they had a another way of thinking
that those rich people did diffrent learning curve than what poor where trained to be i always loveds to be myown boss to do what i wanted thats why i failed school i olso always noticed that what i learned at school will not really make me money why where rich people always have diffrent school private schools and just low adducational school wish i finished

My second negative though was is that i always known than will never be rich becuase my parents always told me that i never did good in school that i failed three school's in a row and that needed to reapet my school to get a high paying job but i always known that there was another way something the school never thouth me until i read your book conspiracy of the rich really changed my way of thinking

every time i think of starting a business rather home based business or investing in a big business i always think that i cant do it that loser in me is always winning that i suck at everything i try to do

and stop thinking so much. One thing your chapter does say Robert is that we tend to focus so so much on the minus side of life. I recently lost my mother to her third cancer treatment In zimbabwe, i returned to England, for 3 wks the feeling was like dead inside. But was apart of Amway global. I started to kick and scream to change, change happened. But a hurdle that took me down hit me hard, i hit the deck and saw a counsler. Counsled to take time out. Went to Ukraine, found someone. But life in easter Europe is very harsh to england. We tend to take so many things for grantage. When i came back, it was hard, but i have realised that we controll our thoughts. That looser is either a confused friend, a confused mind set that needs to feel good. You have illistrated that there is a comander to change the minus to a plus. We have a general to kick our arse, yes its not easy. But even going to work is not easy.
Right now im looking at the 100 apartments/small flats to buy one.Its a start. Ya, but like you say, crossing that beach at war, either you do or you dont. There is a result but a diffrent achievment.
Your course which im restarting on CHOOSE TO BE RICH has slapped me up and thanks, we all need a slap of fresh thoughts in our minds and souls.

Regards
Wayne Torrie

Robert,
I don't know how to even begin to thank you for your work and helping the common man finally get a better understanding about finances and how money works. I have spent most of my free time in the past year and a half reading and studying your books as well as those teaching of the authors you recommend.
It seems that just being born in America predisposes one to financial ignorance. I couldn't grasp why I couldn't seem to keep any money or even start a financial plan my entire life. I even took a 3 year "time-out" from my career about 25 years ago and worked for a major insurance company and sold mutual funds (obtaining a Series 6 and a Series 7 NASD license). Despite all my studies while working for the insurance company in the mid -1980s, working toward my CLU designation, etc., I still didn't have a clue about finances and I was trying to sell myself to the buying public as someone who did!
Since reading your book, "Rich Dad, Poor Dad", I have learned THE most important ingredient for financial success is one's attitude about his or her self. I used to think I was a financial loser. And guess what? I was!! Your educational materials have enabled me to have the confidence of a winner and to get rid of that loser mindset that we are born to believe.
Best regards,

The Pallid-Eared Preacher

Hi Robert ,
you greate man ,when I read this chapter it is like cure! Today Im lose my first bussines by reason of copyrights!Now you cant to congratulate me ! :)
One Great hello from me!

I entered MLM company and was recommended to read your books. I understood that company was creaded as if your books were it's bible, I understood that it's unique, but I'm very shy and couldn't start telling people about it, I couldn't build the structure.
But when I saw people, who were younger than me and didn't have any education, they are extremely successful just because they can talk! It was a challenge for me and I forced myself to do the first step, now I can even start talking to people I meet in the streets)))

Hi Robert,

I am living a mixed bag of these setbacks, negative opinions and empowerment right now.

I set myself a goal of taking away rent payments I have to make in an apartment and leaving my job before the snow falls in 2009 and embarking on a new business in network marketing and a corner grocery/convenience store. I have bought a small apartment which I am renovating as I write this.

I am now living in my 4 bedroom apt which is now earning me about $400 per month, so I have succeeded in eliminatiing my payment of rent. I am renovating another side of the apartment which I will then let my parents live in and although my earnings will be about $100 after refinancing I will live for free as will my parents and when they either decide to go into a senior citizens home or pass away, they are now taken care of until that time. When that day comes I will increase my passive income to $850 per month because I can rent out their suite.

My hurdles right now are trying to refinance my place to continue renovating my other section of the apartment building. It has not been easy, I have heard every excuse in the book from the banks. I bought the building for $216,000 and have a written appraisal of the value of this property after my renovations of $425,000. It is in this refinance I am looking to buy my local convenience/grocery store business and grow my home network marketing business. But the banks won't cooperate with me, surprise surprise.

I find myself stuck and in limbo waiting for this to happen. The worst thing is I know I need to look for investors to keep moving but I have that fear of getting too far into debt and not being able to pay anyone back. I have been reading your books and finding out ways to attract investors to keep going. And during those times of reading and learning, ideas are popping into my head at an alarming rate but I have this fear of getting help from other people. I have this thought of doing it by myself and then once I do, people will be more likely to invest in me then. But why would they invest in someone who hasn't done anything yet? I am still a loser in my mind.

I am seeing the rat race coming to an end for me, but the hurdles are still there. That's my story for now, I am still in range for my goals, so it's not that big of a deal but very frustrating. Take care Robert, and I like the idea of mini documentaries... but how about a Rich Dad Poor Dad movie? Now that would get the message out to a whole pile of movie goers. You may have to spice it up with some Hollywood jazz but the message would still be there. Thanks again, Rob

Hello Everyone,

1985 was one of the worst years of my life too Robert. I was five years old when my daddy told my mommie that he didn't care if he ever saw us again. He had formalized his words by giving up his custodial rights through the court system not long after my mom's passing. As a teenager I was presented with the opportunity to observe my mommie lose her will to live from the debilitating effects of a stroke and coma. She finally passed away the day before my sweet sixteen birthday. My grandma passed away after her battle with alzeimers the day afterwards, same year. In 2006, someone attempted to kidnap me and violently take my own life. During those life-changing moments, I never ever lost my will to live. I told myself, that I'd rather die fighting than put my life in my adversary's hands. That's why I too Robert value street smarts over academic smarts. - The End!

Hi Robert: enjoyed the first chapter and the new rule of money #1
At the end of the the chapter you answer no to the Q: "is the love of money the root of all evil". I think you may have missed a powerful teaching point that could further your ability to explain the conspiracies employed by some of the "rich" in their exploits.
Consider that "love of money" may be what compells some folks to dream up ways of defrauding or taking from others their hard earned funds. I don't believe that you teach people to love money but that you teach people to understand money/wealth. Thus an affirmative answer to the question can be consistent with your message and helpful in understanding the motivation of some of our adversaries, yes?
Thanks Art
Calgary

Below is a recent example in my life. First, here are a few of my negative beliefs. Taxes are boring. I don’t have time to learn the tax code. I hired a professional so that I don’t have to understand taxes. Book keeping is beneath me and I put it off for as long as possible every year. I don’t need to learn the difference between a fixed asset and an expense. It’s easier just to sign off on the taxes rather than study them, ask questions, and seek answers.

This past April, my husband and I asked our tax accountant to file an extension on our taxes, since we fell behind with our 2008 book keeping. By mid-May, we had finished entering our personal and small business transactions into QuickBooks, and gave the files to the accountant. We told the accountant we were anxious to refinance before the mortgage rates went up, and we needed our taxes done to do so. Hence, we assumed she would call us soon. Days turned into weeks and we still hadn’t heard anything from the accountant. We finally called the accountant and she said that she works a full-time job, plus works another part-time job, plus works at her tax business for many other clients. But, she said she’d get to us the next week.

It wasn’t until July 6th when the accountant finally called to say that the taxes were done. When I saw the total tax due, I was shocked. Robert is always saying that taxes are the biggest expense, and he is correct. I’ve lived life in 3 of the 4 Quadrants except the B. The S has been the most painful so far. Both my husband and I were self-employed in 2008, and although we made estimated payments, we forgot about the Self-Employment Tax.

So as my husband and I studied the taxes from the accountant, we noticed things that didn’t make sense. And when the accountant said that it’s a good thing to pay in a lot to SE, I knew we needed to ask questions. Over the past few weeks, we’ve met with the accountant regularly, each time with more questions. We asked her why attorney fees were not expensed. We asked why the interest on a ROTH IRA was reported on Schedule B. We asked why moving rental expenses from one business to another business increased both gross and net revenue. We asked why rental expenses were being treated as fixed assets. Finally, last weekend, she said that she was done and we sensed she was impatient with us. But her last mistake was over $5000 in the IRS’s favor, so I kept pressing her. She conferred with a colleague and agreed that my husband and I were right (again).

Although we genuinely like the tax accountant, we painfully became aware this summer that she was no longer a good match for us. She told us that she is selling all of her rental properties to build a house. Not only do we wonder about her knowledge of the tax code, we now wonder about her financial intelligence.

Here are just a few lessons learned. Ask for an estimate of time before handing over work that you need soon. Make book keeping a priority whether you do the work yourself or hire it out. If you’re self-employed, remember that for every dollar from your net profits, the federal government dictates that you send $0.153 back to them. In other words, remember you’re only able to keep less than 84.7% of the rate you charge your customers. Hire a CPA to do your taxes whose primary customers are similar to your situation. Make sure that the CPA is interested in helping you figure out ways to lower your tax burden. Study the expenses of your business(es), because that is how you can reduce your net profit, and hence how to reduce your SE tax when self-employed.

Hello, Robert,

I have been a fan of yours ever since RDPD in 1997---and following your teaching has enhanced my life and finances immeasurably.

Your story about Captain Denny really affected me and caused me to have a minor "revelation" after 25 years.

I have never been in the military. But I did engage in 13 years of full-time martial arts study, and overall have now been practicing for over 40 years.

The story about "getting the loser out of you" brought to mind several experiences I had with a great martial arts teacher some years ago. Only today, after reading about Capt. Denny, do I realize that my teacher's real teaching was not "martial arts," but getting the Loser out of his students.

Three short memories:

Lesson #1

I lived in Massachusetts and the master was in New York City. The only time he had available for private instruction was Sunday morning at 9:00, before his regular classes began at 11:00. So for a peroid of almost five years I "commuted" from MA to NYC every Sunday morning, rising around 4:00 AM, getting to the City just before 9:00 and then studying through the day, and returning home late at night.

One Sunday, in the dead of winter I awoke with a terrible case of "flu." I was nauseous and feverish with my body in total pain. Obviously, there was no way I could drive 4+ hours, and then take a grueling day of classes. So I called the Master around 8:30 and explained my devastated condition. I thought I might get a few words of sympathy: "take it easy, rest, just take good care of yourself until you are better...."

Instead, he started scolding me for not practicing hard enough! "If you really trained the way you were supposed to, you would never get sick. You have not been practicing hard enough. Now get up and start training---and don't ever call me again to say you are sick!" And the phone went....CLICK!

OUCH!

Lesson #2:

After taking morning classes and having a break of an hour or so, I would usually get back to the Master's studio toward the end of his noontime class to warm up a bit before the afternoon sessions

On this particular day, I was standing in the corner doing some warm-ups a bit casually, and watching the final moments of the previous class. All of a sudden the Master came tearing across the room with the eyes of a tiger, yelling at me and criticizing one of the moves in my warm up exercise. He demanded to know WHY I was doing it incorrectly. I said, it was "just" a warm-up and I didn't think it was that important.

That really set the Master off..."EVERYTHING I teach you is important! There is NOTHING I teach you that is unimportant. Do you understand??" Yes,sir, I mumbled... He went on, "Nothing in LIFE is unimportant. If you are a true martial artist, you will realize that EVERYTHING is important. Remember that!"

And indeed, I have remembered to this day...

Lesson #3:

My private lessons were grueling; the Master let no mistake go by unnoticed, and compelled me to practice over and over again. One morning, after an hour of training, I was feeling exhausted and sweating profusely. The Master indicated that I could pause for a few moments. A welcome relief, I thought.....

But, to my surprise, he came right in front of my face, looked into my eyes and said, "I will take your money, but I will never take your life."

I had no clue what he meant and just stood there.

He repeated what he had just said, a bit louder this time. I still drew a complete blank and my face must have revealed my confusion. After a few tense moments he said, "I teach you only the very best that I know. I hold nothing back. I know that these techniques, if applied correctly, can save your life in an emergency. I will teach you only what is correct and what really works---that's why I will never teach anything that can 'take your life.' And you can only get it by practicing as intensely and honestly as I teach."

" Since I have a family to support, I will take your money for the classes."

I learned years after I had stopped studying with him and long after he had passed away, that he had been a member of Chinese partisans during the Japanese occupation of South China. This group of partisans would sneak into Japanese military camps, either evading or assassinating the guards. Then they would slip into the tents in the dead of night, assassinate a few soldiers in their beds, and slip into the night.

Reading your story about Capt. Denny reminded me about this teaching I had received years ago about--getting the Loser out.

Thanks, Robert....

I have been failing in an examination for entrance in MBA from last 4 years, and i have still attempted it very year even after getting the worse results sometime.... just to get that loser out and satisfy my ego......... though i know the reason of failing that i overestimate myself .....

Though i have completed my Pg certification in sales and marketing, just to know a bit about business.... but i am still confused of how should i start a business?

Also The capital i my major concern...... even if get it from somewhere, how can i make sure that losing it would not impact me?

I took a risk and left the rat race 4 months ago, but till now the partnership i have worked with one of my friends has shown zero ROI. How could i generate enough to sustain is what my question is?

The setbacks and negative opinions that I have had mostly come from other people. Before you know something, you gather information from other people who know- teachers, parents, peers. The problem is that if you do not if it is good information.

I come from a family of "wage slaves" - hardworking people that need a paycheck and "job security" in order to survive and consider themselves winners. They are in debt and would not survive if it were not for their jobs and their loans.

I have long been rediculed for not wanting to live this way. I played by all of the rules and ended up in their position: secure, with a home loan, a husband with a good "job" and 2 small children all at 20. I never felt so uncomfortable in my own skin!

At such a young and uneducated age, I did not have the capacity to seek the knowlede I needed to get out of the situation, and so I simply fled. Over the years I abandoned all of my debts, quit miserable job after miserable job, and found ways to be a stay at home mom while starting to gather information. In some ways I was giving in to the loser in me, but it was because the winner in me refused to give up and I knew there had to be a better way.

I am still a "failure" by society's standards. My credit score is a joke, I couldn't finance a fly, and I refuse to make money for someone else. In this seemingly uncomfortable position is where my mind thrives. Living on a cash only basis pushes me to seek future secutity on my own. When I face a finacial setback and I can't just run out and take out a second mortgage (I am renting), or borrow from my 401k (I am unemployed), these are the times when I push myself to find a different, better way. People judge me and tell me all the time, "Just go get a job!" as if I am lazy. Why would I do that? Everyone I see that has a "job" is always complaining about it and has no REAL security.

I am pushing myself right now. The easy thing to do seems to go back to school, get a degree, find a "job." That is not for me. I do not have enough information yet and I am blessed (cursed) with a fixed income that allows me to pursue my life dreams. I will continue to seek information from the people (you Robert and others like you) until the visions in my head materialize and I am able to put my education to use. I do not know all the questions to ask or who to ask yet, but as you said I am not going to ask a financial planner what I should do with my money.

I am going to continue to gather information from people who work for themselves in the environment they love (as I want to do) and I believe in myself that I will find my own environment in which I challenge my loser everyday.

Thanks for your information and inspiration.

Shawna

Thank you very much, Robert for sharing your financial knowledge. And you've saved me financially and I guess, perhaps this is my first lesson towards analyzing a good or bad deal. Here's my story:

About 2 months ago, she approached me with an investment or a very profitable loan deal. The deal was about a good friend of hers had an inheritance from his parents, but was not able to get the inheritance due to some state tax issues. The amount involved, if I heard correctly, was in millions. The friend did not have enough cash to pay the state taxes to receive the inheritance. So, she approached me, on behalf of her good friend, for a loan and promised me a 100% return on the whatever loan amount within 1-2 months' time. When she told me the story, it sounded very attractive that I told her I'll consider the deal. However, at that time, I was lucky enough to have read "How To Increase Your Financial IQ" and attended Robert's Rich Dad Asia Tour. After the conversation, my gut feeling told me something was not right and I was not able to be in control of the financials in this deal. I played the Cashflow E-Game as well at that time. I remembered the mentor in the game said "Go slow and you'll be a very good investor." So, I told myself, whatever a wonderful and attractive opportunity this maybe, I would still pass on the deal. I would rather forgo the 100% returns. I would congratulate and wish those whoever really made the returns back, even though it turned out to be true.

2 months later, a few days ago, this good friend of mine called me and asked me for a "friend' loan to tide through a financial setback. Sounds familiar, right? After much of my probing, it turned that the inheritance deal was a money cheat scam afterall. And she fell for it badly, which I did not know as I did not want to get involve in this deal at all. And she told me that she was rejected many times by her "so-called" friends when she asked for a loan and she found out that they are not her true friends, as when she asked for financial help from these friends.

Then it sets me thinking many people tend to link true friends are those who can help during the bad times and lend money when they badly needed money most. This is especially when they are running out of financial resources and would use such emotional threat, as I would see it, to borrow money to get themselves out of the situation. If you do not lend them the money, they said you're not a friend and not lifting a finger to help at all. They depict a negative image of you when you do not lend the money and it also somewhat sets me thinking whether I am such a materialistic "money" person, who only look at issues with money at the first priority. On the positive side, I told myself what would I do to avoid this from happening, what they've done to come to this stage and take lessons from their experience to strengthen my financial beliefs.

In cashflow game, I can pass on the deal easily. But in real life, how do I pass on these kind of deals without feeling bad about myself, if those people who approached me happened to be my good close friends and close family members? I find this would not be the last, more to come especially if the economy is not that optmistic and when people with families and little cash savings lose their jobs. I do not think such a practice of borrowing and lending would be the solution.

Apologize for such a lengthy comment. Thanks for everything, Robert. Because of this experience, I realised it's really important to elevate the financial intelligence of humanity, and
I'll do my best to do so whenever I had the chance.

Thank you very much, Robert for sharing your financial knowledge. And you've saved me financially and I guess, perhaps this is my first lesson towards analyzing a good or bad deal. Here's my story:

About 2 months ago, she approached me with an investment or a very profitable loan deal. The deal was about a good friend of hers had an inheritance from his parents, but was not able to get the inheritance due to some state tax issues. The amount involved, if I heard correctly, was in millions. The friend did not have enough cash to pay the state taxes to receive the inheritance. So, she approached me, on behalf of her good friend, for a loan and promised me a 100% return on the whatever loan amount within 1-2 months' time. When she told me the story, it sounded very attractive that I told her I'll consider the deal. However, at that time, I was lucky enough to have read "How To Increase Your Financial IQ" and attended Robert's Rich Dad Asia Tour. After the conversation, my gut feeling told me something was not right and I was not able to be in control of the financials in this deal. I played the Cashflow E-Game as well at that time. I remembered the mentor in the game said "Go slow and you'll be a very good investor." So, I told myself, whatever a wonderful and attractive opportunity this maybe, I would still pass on the deal. I would rather forgo the 100% returns. I would congratulate and wish those whoever really made the returns back, even though it turned out to be true.

2 months later, a few days ago, this good friend of mine called me and asked me for a "friend' loan to tide through a financial setback. Sounds familiar, right? After much of my probing, it turned that the inheritance deal was a money cheat scam afterall. And she fell for it badly, which I did not know as I did not want to get involve in this deal at all. And she told me that she was rejected many times by her "so-called" friends when she asked for a loan and she found out that they are not her true friends, as when she asked for financial help from these friends.

Then it sets me thinking many people tend to link true friends are those who can help during the bad times and lend money when they badly needed money most. This is especially when they are running out of financial resources and would use such emotional threat, as I would see it, to borrow money to get themselves out of the situation. If you do not lend them the money, they said you're not a friend and not lifting a finger to help at all. They depict a negative image of you when you do not lend the money and it also somewhat sets me thinking whether I am such a materialistic "money" person, who only look at issues with money at the first priority. On the positive side, I told myself what would I do to avoid this from happening, what they've done to come to this stage and take lessons from their experience to strengthen my financial beliefs.

In cashflow game, I can pass on the deal easily. But in real life, how do I pass on these kind of deals without feeling bad about myself, if those people who approached me happened to be my good close friends and close family members? I find this would not be the last, more to come especially if the economy is not that optmistic and when people with families and little cash savings lose their jobs. I do not think such a practice of borrowing and lending would be the solution.

Apologize for such a lengthy comment. Thanks for everything, Robert. Because of this experience, I realised it's really important to elevate the financial intelligence of humanity, and
I'll do my best to do so whenever I had the chance.

It maybe is hard for me to think of negative opinions of myself... when I was young I was challenged by Scientology's personality test. My answers came out really positive. I explained it from a religious point of view. But not satisfied, I later took the test several more times and tried giving negative answers.

I tried the challenge from Robert of replacing my negative questions with positive ones. So I put the questions up, did meditations throughout. But I often look at the questions and think, these were my questions anyway, the negative ones were bogus. But I think from small seeds large trees can grow. I am going with the process. Maybe changing a person's environment is a matter to consider. The changing of environment can be chaotic, and the question is not so much, do I want to change it, but rather, how do I change it, given the consequences I foresee are just chaos which means irresponsibility to me...? I am looking for a reasonable way in. I look down the road and I see my new environment putting me not only back where I was but much worse than I was, since I need to be ready for that environment.

So then a time factor comes into play, and especially for a woman in childbearing, time is limited... how much of these philosophies I hear from people are taking account of this? So how to deal with the time factor? Getting the skills takes some steps, and seeing what the steps are. There may be unique steps that need discovering, it takes time to find them. Some things are done over generations, and the loser in one generation can be essential to the winner in the next generation... I'd like to be a winner now... On the other hand, maybe things are speeding up for me just now. The question activity may possibly be part of that.

I haven't got my English language business activity I advertised going (again, English seems to not work for me, except in its most direct - ESL - form)... I even have got another episode of extreme allergy, my fear came true... it's on my face and neck. But at this time I'm also working out some organizing methods for major areas in my indigenous language book projects. this is what I mean by 'speeding up'.

Maybe I have to face how very very much time these preferred projects each will take. Another more commercial project linked to that now looks possibly further away (at least on the strategy I had planned). But I think I can use other skills in another project - plan B (or C), and try that. It's a little scary always narrowing my focus constantly. (Specializing, the strategy for survival..) But it seems that's key to success, to narrow the focus and leave out the things that are not my core business. But that seems to be a long long slow process. I just want to get to the point where my core business makes enough money for me!! To use my true talents and be where I thrive.

I'm thinking of the cash flow board game, but how long will the post take? Post in China can be slow... maybe I can arrange for express. One of my sisters in Arizona will visit me, and that could spur good changes. Maybe that plan occurred after my asking the new questions, I can't remember.

Dear Robert,

It took me 13 years to realize that I, this person, can't change anyone else but me, that I, this human being, can only feel happy from inside world but from outside world.

In life and financially, I believe the loser in me was challenged when I divorced my ex-husband. The fear of unknown, financially and emotionally, and the fear of not being good enough with a six-month-old baby.

The circustance during that time had caused me to decide right then that I want to be rich. It was a temporary set back, of course. Because I came out of it a bigger person with a happy and bright child.

Relationship-wise, after I learned who I am and whom I want to become, I met my husband. He not only shared his interests of real estate and business with me, but also cared so much about what we learn from different aspects of our life.

This year in 2009, we set goals for controlling our monthly budget with the income we have from our jobs. Our desire is being in B quardrant, so we have being writing our business plans.

Sometimes the loser in me came out and say things like: oh, what do you think you can do, you are a nobody, not even graduated from university, who do you think you are setting a goal of becoming a rich woman.....blah, blah, blah..

It is aggravating with the loser-in-me. But I fight this loser everyday. I follow the to do(s) of everyday and it helped forgetting the loser.

Robert, without your couragement in your books, I would not have become whom I wanted to be today. Wait and see, I will become bigger and better, a rich woman.

Robert I wanted to take a moment to say thank you for Conspiracy. It's been an amazing read this summer and it really challenged a lot of my thinking.

I particularly enjoyed your third story at the end. On Monday August 3rd, I released my first self-produced software training DVD, Ten Ton Dreamweaver (tentonbooks.com). And there are many more to come. This goes right along with much of what I've absorbed from your lessons, the work of Harv Ecker, and others, about creating passive income, helping others and being of service, and printing your own money.

I have had many challenges and mountains to climb over the years (becoming a published author myself, fighting for my goals, etc) and after I released my DVD, I began thinking about something...a circle. That circle is what's possible to us. It's "the known" or our "comfort zone." Getting published or producing and releasing a DVD for the first time is hard. It hurts. It's painful and frustrating because it's outside our comfort zone. But now that I've accomplished these things, they're easy...they're easy because my circle just expanded a bit. Then a few days later I read about Captain Denny; about having to fly with brains all over him because he either dies or fights on; about crushing your loser by putting yourself in challenging, uncomfortable situations. I can relate to these things. I KNOW exactly what you're talking about. You either die in the mud right here, right now, or you keep swinging that sword and fighting for your life.

Going outside our comfort zone and going for something that for us is "impossible" hurts. Nothing's really "impossible" though; we only see it as "impossible" from our perspective inside the cirlce. So you go for it -- You smash headlong against the side of that circle and it's brutal. It's like a car crash. You get the hell kicked out of you. Everyone around you is saying you're foolish, and that you should quit; and even if you do keep going, the amount of criticism you receive would destroy lesser men. Now THAT's a conspiracy! Most people listen to their loser or the losers around them...they do an about-face and simply stay in the circle -- and that's why only a handful realize true wealth -- not monetary wealth but inner wealth: winning the Tour De France, becoming the best golfers, or living their dreams.

I think the most important thing starting out is to win a few small victories. Your victories become fertilizer for your future endeavors. For example, I think to myself, "It would be really great to write and sell a screenplay." Impossible? Well, I look back on the severe beating I took writing my book or producing my DVD and say, "If I can surivive getting the living hell kicked out of me, then I can write and sell a screenplay." And here's the catch: It's not about writing and selling a screenplay -- it's not about the end result. It's about who you become in the process. You become the kind of person who will not be stopped. The kind of person who, rather than get the hell kicked out of him, kicks the living hell out of his loser.

Robert, it has been an absoslute pleasure and I cannot tell you how much I am enjoying this path of endless learning, growth, and adventure that I am on. Although my warrior's armor is battered and dented and mangled, it bears the scars of so many lessons...of so many victories and defeats. But the warrior in the armor only grows stronger. There are no words to express the amount of graditude for having amazing teachers like yourself, Harv Ecker, Anthony Robbins, Joseph Campbell, Anthony DeMello, and others in my life.

Fighting on...

Geoff Blake
Ten Ton Books
geoff@tentonbooks.com

I am one of the insurance agents that work independently talking to people about Medicare and its options. Due to the recent message that Medicare will probably be gone in 9 years plus CMS (Medicare) deciding to cut all agents pay in half, my business is in the toilet. The original question was "How can I pay my expenses, office, loans, etc with the current CMS regulations and message?".

Based on your advise, I have changed the question to "What other resources and skills do I currently have that can generate income?". Based on this new question, I am dusting off a sideline note broker business that I did two years ago. I am challenging the loser in me and will learn all that I can about notes so I can be successful in this new venture that is not controlled by the government.

Thanks Robert for your God-given insight and ability to meet us where the rubber meets the road.

I was once told that failure was success - turned inside out. I recall an email I sent out to a host of friends, colleagues and acquaintances to introduce them to a venture in Network Marketing. I thought that I would receive a favorable response. Instead, I got the worst set of emails ever! They yelled at me (in the email). Did reply-all to my emails and put me to shame and questioned me as to why I would introduce them to such things as business. I felt horrible. I only meant it to be good. I could not convince them. They felt that I should not be offering them opportunities. I should simply keep working for a living and leave them alone. I lost some friends over it and many vowed to never talk to me again. Afterward, I was about to quit the industry all together. Fast forward several years later. I chose not to quit. I kept listening to others who were more successful than me. I didn't do well in any opportunities for a few more years, but I did not quit. Then, a miracle happened. I had joined another business, my production was at a standstill and had not signed up anyone over the course of 6 months. I kept trying, kept attending, kept calling - one more time. One more time. One more time. I finally showed the opportunity to a friend of mine. I followed up with him once more. To my surprise, he joined. That one person led me to literally thousands of persons in Africa and the UK, not to mention the U.S. I remembered that one email I got so many years ago and the position I am in today. Had I let that email stop me, those negative persons stop me - I never would have been able to have the groups I have today. My business now spans across multiple continents, my residual income is still growing, even in this economy and God opened the doors for me to teach Cash Flow at my church - every month. I have the Cash Flow 101 and 202 games. I will also look into becoming an Official Cash Flow teacher. I have another business in medical technology and streaming - elearning media. God has been good to me. He knew the success would come had I not given up.

See, this story is special to me because I found out (shortly after my mother made her transition to be with the Lord), that prior to me being born, she was told that she could never have children. She was biologically incapable She ignored the advice of others and decided to step out on faith through prayer. Well, long story short - she not only had me as the first child, but she also had five more! All of those countries of people with whom I do business, might not have seen this opportunity many years later, had she decided to believe the negative opinions of others.

Many years ago, Dr. Dennis Kimbro wrote to me on a small piece of paper, "Never, Never, Never Give Up!" I'm glad that I did not then, nor will I ever.

fear and doubts are my most biggest setbacks, my friends and i have started establishing a Company, we are yet to register and i am so afraid if were are going to succeed at all. i know if i want to succeed i have to get the loser out of me.

Robert,
I would like to give you an example of financial stupidity on my part. My wife and I, attended a presentation for a company called "DIRECT BUY" this is supposed to be a wholesale buyers club where you purchase items at retailers cost.
Every time we attempted to purchase something from them we found that we could get the same merchandise cheaper through a local retailer such as ABC Warehouse, LOWE'S, or Home Depot.
We paid $4400. for this club for the first 3 years and got absolutely nothing for it other than a runaround.
If you don't have a million dollar home with high end funiture and funrnishings it is a total waste of money.
We let ourselves be talked into this at the presentation which was full of lies and misrepresentation.
Hopefully others can learn from our experience.
Thank you for taking the time to read this.
Sincerely yours, Mark Race

Hi, after read your book, I join a network marketing company as my part-time. After 2 months working in the network marketing company, I found that it is very hard for me to success if I stay part-time. I sent my resignation letter this morning to quit my job as Oil&Gas Structural Engineer and full-time in network marketing. The loser inside me become larger and larger. I felt regret after 1 hour I sent the resignation letter...

Your story #3 come at the right time, now I am trying to get my the loser out!!! I will beat the loser!!!

Thank you for sharing your knowledge with us.

I hope that your poor dad finally received ( from you ) the money that he deserved for his activity but the government did not cared and live now the life as it should have been in the first place.

In fear of being taken advantage of, I've decided to take all my savings and investments and put it my mortgage. Now I don't know whether this is stupid or not or whether I'm letting the loser in me rule.

But what I have learned from this chapter is the fact that I have an oppertunity to join a network marketing company , but the loser in me has won hands down. The loser excuse is : The comfort zone migration is just a bit too big at the moment. The truth is I would feel more comfortable doing a bungee jump.

Ah what the heck? See you on the other side. Geronimo!!!!!!

Hi Robert!
My best example for financially stupid answers came from a dear friend, who happens to own stocks from the same company I own a few from too.
When the crisis began, it went down to as little as 10% of it's original "value". Being financially rather uneducated, we both had never heard of stop-loss orders or such, so we had absolutely no insurance and just watched our stocks crash.
I asked him "what do you think we should do?"
He replied, very sure of himself "Oh, just hold on to them, in a year they'll be back up for certain!"
"So then we should buy now, and reap the benefits!?"
"No, I wouldn't do that..." now here's the really funny part: "That's too RISKY... I'll just wait till the worst of this is over..."

The way I see it, either you're convinced a stock will rise, so you buy, or you think they'll fall, and you sell. Of course there's a time in between, but the biggest RISK is ignoring everything that's going on around you, and not acting at all. Hoping that the stock will go back up (meaning an increase by 1000% !!!), but not investing one additional cent!?! That's what rabbits do before they get eaten, freeze.

Teachers tell me that I have never been good in math.In fact, I failed my elementary school math in 5th grade.But my teachers can never imagine that I have a minority stake in a mathematics education publishing company today and most of their kids are now reading the magazine that my company publishes.

Because I have been weak in this subject, I know the pain & ordeal of students struggling in a traditional math class, not really understanding the symbols and arguments of the teacher.
Instead, I used ny experience to teach math skills through comics, puzzles and other interesting ideas that do not look like school maths but build core skills in the discipline.

I think the key is not to make your weakness a crutch and give in to reasons why you cannot do something. Instead turn your weakness into a golden opportunity to move into a higher level.

I credit the Rich Dad's coaching for helping me to learn how to open up new markets and a new paradigm that I have nevered explored in business.

I grew up very poor with out a father, I had a mother who was an alcholic, and a family that knew I'd be the same. I had several step fathers and ended up leaving home at 17. The world crushed me over and over again and I had no one to turn to for advice. I mean no one, my friends. It seemed the entire world had something against me. And I'd tell the world, God, whoever was listening, to bring it on. If this is how it must be, then show me what you've got. The world and God showed me just how down right cruel life can be.
But one thing that I did have. I had music and I had a very strong desire to take all of the hurt that was in my life and show others that I could overcome it. And if I could do it, anyone could. And as crazy as it sounds, I'm thankful for the world kicking my ass. Because today, I'm still young, I have aquired huge amounts of education and experiences, and I am in a better position to extend my hand to some one who has no one. I know what it's like to be on a sinking ship with nothing but the cold sea around you, what it's like to be looked at as nothing, nobody.
And as I write this, I have finally found an inner peace. A part of me that has always been there when things are tough. It's the part that can be surrounded by chaos and find understanding, hope, and as hard as it is for me to believe... love

Sometimes I don't have the confidence to do what I want, and I don't believe I deserve the dream life I want. And I really don't want to live in this kind of fear for the rest of my life.

Now I go to Amway in my spare time, to meet new friends, to learn selling skills, to find my dreams again. I think now I am on the way to my dream life.

By the way. Thank you very much Robert, you helped and will help more people like me.

Best wishes.

I am in graduate school and for some specific reasons (I will not go into) I could not continue and had to take a two year detour. Now, the focus of education is entirely on learning, passing tests and pleasing your bosses. You are told to forget about student loans and the government will pay for everything... ect. ect. So when I had this two year break I realized I was now in the 9-5 arena and I had time to do other things after work. And I saw my credit was maxed out and that I had piled up so much debt that I couldn't get a loan if I paid for it.
So, it was a break down and a break through when during my third month out I was eating beans and counting the pennies in my piggy bank. I had read Rich Dad before but I didn't really absorb everything.
So, that is when I called Rich Dad coaching (the same week as the crash last year) and started looking at my financial IQ. It really pushed me past the fake exterior that education puts up to make you believe that "Everything will be fine when you get your degree and a good job with a...." you know the rest.
So, I looked at the way my parents were living, (on a little better beans than me) and how I was living and said to myself that I was never going to be in this situation again. I know it seems stupid to say but I knew since I was a child I was going to be rich.
I told my mom when I was six. "Don't worry mom. I will be rich." after she told me to marry a rich doctor.
Anyway, that is the begining of my journey. I have continued to educate myself and keep growing. Now that I am headed back to finish graduate school I plan to have a few things up and running before I go and during my time there. I realize now that education is a part of my life but I have to make HOW I am going to live. Having a high degree and lots of publications doesn't mean that I will have a high salary and a mercedes. But people still think that.
I think the most telling was when the article in Algezeera last week said we were a bank owned state and that our salaries have not risen since 1980's. It is true. And people still don't see it.
I just hope I am not too late to get myself going. I have a friend who is coming behind me and we are motivated and ambitious. I have to make it so my friend can too.
Thanks Robert for showing us (reminding us) that we can make it.
Everyday I feel a little closer.
gdulan

I hope you can excuse my bluntness but I'm writing for possible reimbersement from your offer of a free copy of this book. I'm not quite sure how your going to send it out to me if I'm a winner though? I hope you have my address or at least my email to get my address & I would like to be a winner. I already own many of your books and have to buy this one. The monthly column on financial stupidity. I look forward to an autographed copy of Conspiracy of the rich, due out in september.I submit my stupid question from an already rich person who prolly could get a whole lot richer. He asked I dont know why? But there must be a market for that product? At the time I didnt tell him the answer I have now. But my answer now is I'll make one! Bingo. wow. Another about money - Another rich person I met said I cant get any money out of that? I looked at it and changed the question with the answer being I will find out how to make money out of that! by changing the engineering design! bingo. jackpot. These people didnt need to here my answers they've already made there millions. I just following in ther footsteps, or
i know it sounds like all there missed oppertunities its a path of destruction! Thats all right i can fix that. I mean make money from those freebies. I'll change my financial situation. By changing my questions and answers! loving momentum. Laughing all the way. Its Take Off.

Robert,

That was the best of the three stories for me. Crystal clear explanation of what you man when you say, "face the loser in you."

Definitely what I needed to hear! Gives me renewed focus to continue on!

What is it your rich dad said...you are half way..why quit now?...

Thank you so much Robert for your excellent and thought provoking points. Also, for sharing honestly about the challenges throughout your life.
One way I have beaten back the loser in me was to take a look around and realize others struggle with self doubts and wishing they had more. Getting my focus off myself for once was a profound experience. Realizing I was kinder and more accepting of others with regard to their failures than I was to myself made me realize that beating myself down was not the answer. Instead, leaning into or embracing the challenges I face is a better way to go.
When I am fighting fear, I have had good success with remembering the feeling I once had snow skiing down a steep hill. At the time, our boots were designed to perform best when you leaned forward (almost falling) into the direction you needed to go, which was down hill. My instinctual desire was to lean backwards, which was always a disastrous choice. Only by going for it in faith, so to speak, could I really have the power and momentum to stay in control of my skis and master the hill. In fact, after enough time the groomed slopes were way too lacking in opportunity to ski enjoyably--not enough moguls and steepness to be enjoyable.
It is so encouraging to find out you too have had times when others counted you out. I love how you pressed on and are now sharing with all of us some of your secrets. They are wonderful to behold, ponder, and are most inspiring to me.

Dear Robert
Really enjoyed reading your stories, in particular Story #3. It is inspiring to encounter someone being so honest about their good and not so good experiences, with a view to helping us all learn and improve our lives. Thank you so much x

.....???? the only stupid question is the one that never gets asked....I'm begining to think that it's the stupid answers that make the questions look stupid. the "what should I do with my money?" question only seems stupid when it gets a stupid answer.

q- what should I do w/ my money?
a- invest for the long term in a diversified mutual fund

stupid

q- what should I do w/ my money?
a- first increase your financial IQ and find a way to invest that suits you that will make your money work hard for you

not so stupid....same question different answer.

1. Typo on Page 7 under # 3, Line 3--"stove" should be "strove", if I'm reading it correctly

2. Personal Development--reading, listening, absorbing from outside sources; being kind and patient with myself giving me time to grasp ideas......
3. I have noticed in my life that if some challenge comes along that scares me at the soul-deep level, then that seems to be a signal to me that I need to jump in and find out what's there.
I don't want regrets for what might have been possible if I had opened my mind and heart to change. If I never face the fear, I never experience the peace and satisfaction on the other side of it. And, I'm not ready the next lesson.
If you really want to do something, speak up, take action no matter how small at first. If I don't do it now, when and/or will I ever do it?

The most famous negative opinion that most undocumented immigrants have when it comes to not being rich is this:

"As long as I don't have a social security number, green card or any other document that shows US officials that I'm a US citizen, I won't be able to do anything about becoming rich."

After removing these negative opinions off my head and replacing them with Rich Dad's mindset, I have finally taken action.

What most immigrants (latinos from my experience) don't know is that social security will be gone in a couple of years. What they can do meanwhile is get their financial education until that happens. one of the way I have done this is by joining a network marketing company and enrolled in a rich dad's coaching program.

Both of these programs have have kicked my you know what and gave me the confidence that I needed to fight these negative opinions and specially, to take the loser out of me.

Thank you Robert!

Dear Robert

Thank you so much for COR - I love your print books but online with other readers' comments adds exponentially to the momentum and energy... just like firewalking, this book works so much better with an enthusiastic support team.

(I walked on fire some time ago in Zimbabwe and it's a bedrock experience that I turn to in tough times. Don't try it at home, folks - you need to do this with experienced, specialised coaches or you will burn yourself.)

How wonderful that your crazy idea turned out to be so genius!

I found classic Kiyosaki in the main chapters, my favourite being #12 about education (my passion) - but your bonus online chapters blew me away: this is exactly what our messed up world needs right now - how to start from zero, or even -$400,000...

Two years ago I started a small (mom-with-a-camera) photography business - just as my personal life fell apart. You don't need to know the details, but it was just about the worst moment in my adult life that I could have picked to start a new business.

Although I am good at selling and I have a solid (non-university) education in marketing, I made a pretty big mess and I have a heap of frustrated and disappointed clients...

However, I've taken a step back, some deep breaths and I'm studying my mistakes. I believe I'll find solutions that will allow me to run my little business with much greater efficiency, and I intend to grow it in creative ways to earn even when I'm not working.

Every time I catch me browbeating myself with an oppressive criticism, I'm going to use it as a turnaround point to change my questions, recharge my energy and challenge myself to win the attitude war.

Here's to getting rich beyond our wildest imaginations!

Thank you for your inspiration!

Aileen

My stupid question is what do I do about two timeshares I have in PV, MX that are not renting or making me any money and that I can't sell even at bargain prices? I don't want to hold them until the market comes back and I don't know how to make them profitable for me right now. Your advice?

Life is a very powerful motivator. It can drive us to the heights of ecstacy or to the depths of despair. But which extreme you achieve can be driven by this very question,"What do you want?"

A lesson I learnt from many years ago when I had just turned 19 and in great life turmoil. I've just had a terrible car acident and my favourite car was smashed by a drunk truck driver (no one was badly hurt); I had 10 days to find new accomodations; I had enough money to last me about 3 weeks; being a friend in need suddenly made no sense - I was very much alone. Now, this may not seem too bad in North America, but in some countries, having no official accomodation can mean a life of being totally shunned by society.

Imagine my frame of mind. How much worse can things get? It was a time when looking on the ground for pennies which can mean an extra meal. At the back of my mind was always the nagging question and self-blame," How could I have let myself, one so well educated in the ways of the family traditions become such a near outcast in society?"

And that was the problem I thought. Old traditions do not necessarily mean a meal ticket in the present. That day, having scrapped together enough change for my one and only meal for the day, I watched as 4 elderly gentlemen made humoungus cash bets in the open right in front of me. One of them called me over to break some fresh coconuts, but with my bare hands. Well, Ok, being well trained I did so - again and again and again...

One of those gentlemen was winning all the bets each time I did so. However, I noticed there was a crowd starting to form and with this much money on the table, I was starting to fear for their safety. So, I ended the show, put all that cash into a bag for the winner and told everyone else to go away. The winning gentleman grabbed a handfull of that cash and handed it to me. Painfully, I turned it down - I had been taught to earn my keep. Not make money from gambling.

I was confused and asked them why I was asked to "entertain them". Their answer was most surprising to me and it is a lesson to anyone who thinks little of themselves. Your self worth is often measured by others who may value your contribution far more than yourself.

"You see", they answered, "we have been watching you!" We have not seen anyone who knows and practices the old ways for many decades. We will not give you a job but train you using your talent in the world of business. Here's my card, come on Monday.

That was my first introduction to the world of international business. And was that event fortuitous? Most certainly. And if anyone thinks this was my easy ticket to riches, think again. It was one of the most challenging periods of my life. True to their word and my introduction to their modus operandi, everyday was a new challenge. They took turns training me with new challenges.

My sleep patterns changed from at least 6 hours a day to less than 3. I was out day and night doing everything I was trained to do. Meeting people, sales calls, selling ladies underwear, learning the corporate books, developing projects, etc. Did all those sleepless nights and days work? Well, you be the judge.

"In less than 1 year, if you do as we teach you, you will be a millionaire." A million bucks then is worth about 5 million today. During my annual tax returns, I realized I had exceeded that sum before I had turned 20 - I was a teenaged millionaire! This was the very first million dollars I ever made in my life and probably the most precious.

However, more precious was the training and development. Most precious of all was the knowledge of self worth they, these 4 great mentors had ingrained into me. I will always have that knowing for the rest of my life regardless of the disasters that will follow, I can get back up on my feet everytime.

for a long time the losser in me have been winning but thank for this chapter im gonna make it lose, thats will be my challenge for the rest of my life.... thanks.

Your book has had a profound impact on me. As a matter of fact, all of your books have touched sensitive nerves somewhere. This particular book made me mad. See, I've had severe negative opinions of myself and the world around me as a result of a horribly abusive relationship I had with my own father from when I was young. I've been working on overcoming for a very long time. Yes, I've overcome a lot - but the financial aspect and emotions surrounding money I had no idea how to overcome - kept me feeling like a loser all around.

Your book has taught me that it doesn't have to be that way - all I really need to do is to really educate myself on how money works. It's really that simple. If you want to bake bread,you have to know how the different ingredients work together. It's no different really.

I can't thank you enough

I want to thank you Robert first for making this a free and interactive book and especially for the stories at the end. They have been very inspirational to me and I'm sure to everyone who reads them as well.

Last year I was in charge of turning around a company and there were so many times where I thought "I don't know how we are going to operate another day" but everyday I came back to work and fought through the next challenge. Finally, when I left, things were running quite smoothly.

During that time though, I was pushed to my limits and I will never forget what it took to keep everything afloat. I constantly go back to that time when I am feeling troubled about something to remind myself what it takes to breakthrough.

Also, just a quick story on Financial Stupidity: I was discussing with a friend about my plans for investing and learning new business skills and he seemed very interested in it all. When I recommended to him that he start looking into what I was doing he instinctively replied "Well, I want to buy a house, find a good job and get stable before I start doing any of that." It just amazes me the fear that people have about investing, whether it be in themselves, real estate, businesses or whatever.

The setbacks and negative opinions in life I have had in life have been quitting before I reach my goals.
I have been diligently and actively applying the lessons from the Rich Dad, Poor Dad on line education exercises. I continue to learn everyday.

As I read through the stories, I got a clearer picture of the things I have done right and the things I have done wrong in my life search for inclusion in the ranksof the truly wealthy. I am an African-American woman, raised in a traditional home where mom and dad said, "Get your education,and nobody can ever take that away from you." School was always easy and I remember whenever anyone asked me what I was going to be in life, I quickly answered, "I'm gonna be a math teacher!" There was never any doubt in my mind about this until the night before I was to leave for college, when a close friend that I considered to be my Big Brother (that I never had) convinced me that I should be study business, because that's where the real money was. So I did the rational thing, I enrolled in the Business School, majoring in Business Statistics, right? Wrong. That was the most boring cirriculum I could have ever chosen. So, to cut my losses, I opted to develop my natural people skills and completed my Bachelor of Science degree in Behavioral Analysis and Personnel Management. I remember so clearly, as I stood on the steps of the field house after graduation in my cap and gown, with my hand on my hip as I reflected within myself, "that I still don't know why my people have so little, while others have so much"

So, I challenged myself to get my MBA in Finance, only to find out that the only thing six years of college taught me was, where to go to find the information I needed, and still no sensical answers to why people that looked like me had such struggles to obtain real wealth. I went to work for one of the top Corporations in the country, left there to help a friend develop two small businesses, and eventually started my own business via a group of friend investors. I had some success, but eventually had to file bankruptcy in the middle of my third pregnancy and
a husband strung out on cocaine. So I know a little bit about having to kill the loser in me daily.

I am happy to report that today, my husband and I have just celebrated our 31st Anniversary. He is a phenomenal Prophet of God. I have three outstanding children embracing professional careers, completing college, stable-minded and of excellent character, defying all the odds. While we have refused to lose on all fronts, the last frontier is our Finances, and time is short. I am still on the journey, but I'm changing the question to "What new strategies must I adopt to redeem the time, money and opportunities for wealth, sacrificed to ensure the success of my family?"

Your writings have been inspiring, and I appreciate the clarity of perspective they bring to my thinking. I also know that it does not hurt to have a "hand up", as I reinvision my journey to my wealthy place. I've learned to never quit just because something is hard. I value Godly mentors and I am confident that I shall have good success. I was born to be wealthy. I got side-tracked, but redemption is nigh.

At the age of 25 I started Karate lessons. This soon taught me how painful it was to be a loser! At the time I was working in a bank, and had a poor Dad, and my parents had persuaded me to have a steady job, which was secure for life. Karate gave me great confidence, and at the age of 29, I was appointed as one of the youngest bank managers in the UK. The best thing that the bank did for me, was to send me on intensive and challenging training courses, which again helped me to overcome the loser in me! I gained great experience, and knowledge, but then needed even greater challenges! After 20 years in banking, I plucked up the courage to leave, and start up my own Marketing consultancy. Just like you, I believe in lifelong learning, and will never stop learning. That's why I am reading COR. As my own boss, this gave me even greater challenges. Within 2 years, I was delivering management training, and using management psychology, and the latest technology, to train senior managers at Shell International. I became a leading management consultant. Then the recession of 1990 hit hard! The loser in me started to bring me down, and within another two years, I hit rock bottom! I had forgotten many of the early lessons about losing! For the next 4 years, I went through the worst period of my life, and the loser in me almost won - I nearly died, and was lucky to survive some major surgery! I had to keep in mind my previous challenges, and find the winner was still there, to simply survive. Financially, I was broke, and had to stay positive, and look for the next opportunity to start making money again. But, inside, I knew I could make it. Then, by a chance meeting with an old business contact, I was asked if I could help him with some accounts work. This was a new challenge, and I rose to it, and beat off the loser in me. I borrowed £100 from my parents, and bought enough books, to start doing basic book-keeping work. I met with my old accountant, and told him what I was doing. To my surprise he helped me! He passed me a rich client. That was in August 1994, and since then I have never looked back, and now look forward to every day, which I see as a new challenge! I have made mistakes, but learned from every one. I have not made millions - yet, but I am on my way towards that goal. At the age of 60, I run three successful small companies, but have no wish to retire - ever!
Robert. I hope this example helps your book. COR is amazing, adn it has helped me, and I know it will help thousands of others. Thank you.

I am grateful for this book. and Story 3 has made me realize how often I have let the loser in me taken over. I am just plain lazy and am starting a business in veggie production. However, I just wanted to say Thank you very much for your time and effort.

QUESTION: What setbacks and negative opinions in life have you had that you can use to empower rather than drag down your potential to succeed in life and financially?

What a great question, this is a question that I asked myself many times in highschool and since highschool. I remember thinking that there has to be a better way than going to school, getting good grades and then working yourself to death.

When I reflect on this question, I have to think about my parents and how they have worked hard their entire life, done what they were told to do and now in their late 50's they are starting to think "seriously" about retirement and how they will survive! I can't even imagine being like that. So my answer to your question, is this, anytime I have a negative thought or setback, I take a long, hard look at my parents and I have my answer. I don't want to end up like them and because I know I'll be rich and do everything that I know I can, I must educate myself now and keep my focus on my dream, FINANCIAL INDEPENDANCE.

Thank you so much, Robert & Kim for writing your books, having seminars and all that you do for me. I can't thank you enough, for keeping me motivated and on the path to financial independance. God Bless You!

This extra chapters are very good sir Kiyosaki. I also thank you for visit Southamerica, I knew about your lecture inside Argentina through clubrichdad.com.
To get out the loser inside me, 1 year ago I did a 2 month- course and later started with FOREX MARKET(mini). By plus that I tried and tried for various methods, I lost.
Am I going to bad or good road for??