Spend Money Wisely

How to Spend Money Wisely

In his book Rich Dad Poor Dad Robert T. Kiyosaki shows what the poor, middle class, and the rich buy on payday.

The middle class buy liabilities. They buy a bigger home, new cars, big screen TVs, club memberships. These purchases are all too often made on credit. They create a monthly mortgage payment, monthly credit card payments, monthly membership payments. As the middle class make more money they reason that they can buy more goods and services on credit.

The result is that they always feel their income is never enough. Every time they get a raise they buy more expensive items on credit. This never ending cycle of increasing income and increasing debt payments is called the "rat race".

The rich discipline themselves to avoid instant gratification. Instead of purchasing liabilities, they purchase assets. They continue to accumulate assets because assets produce a cash flow.

As you accumulate assets your cash flow will increase. When your cash flow exceeds your income from your job, you have bought your personal financial freedom.

Read the details of how you must transform your thinking to really spend your money wisely. Read Rich Dad Poor Dad.

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