Disclaimer!

This post was created with the aid of Google AI “Gemini” and is written for documentation and entertainment purposes only. Always do your own research and be skeptical about everything you see and read on the internet.

Introduction

In “Increase Your Financial IQ,” Robert Kiyosaki moves beyond the basic principles of Rich Dad Poor Dad to focus on the specific skills needed to manage and grow wealth. For an entrepreneur like you who is already the “source of value” – this book provides the “intelligence” required to protect that value from being eroded by taxes, inflation, and poor management.

Kiyosaki argues that “financial intelligence” is the mental process through which we solve our financial problems. He breaks this down into five key “Financial IQs”

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1. Financial IQ #1: Making More Money

This is the IQ of the entrepreneur. It’s about your ability to spot market opportunities and create value.

The “Value” Source

Most people work for a paycheck; the high-IQ entrepreneur works to create assets (like your branded notebooks and pens).

The Struggle is the Teacher

Kiyosaki emphasizes that solving business problems is what actually builds your “IQ muscle.”

2. Financial IQ #2: Protecting Your Money

Once you make it, you must keep it. Kiyosaki identifies the “financial predators” that seek to take your wealth

Taxes

Understanding that the law is written to favor business owners.

Brokers & Bankers

Differentiating between those who provide value and those who simply collect fees.

The Legal System

Using entities like LLC or Corporations to shield your brand’s assets.

3. Financial IQ #3: Budgeting Your Money

Kiyosaki offers a radical take on budgeting: Budget for a Surplus.

Pay Yourself First

Treat your savings and investments as a “fixed expense” that must be paid before your bills.

Expense as Investment

High-IQ budgeting isn’t about “cutting back” (Poor Dad), but about strategically spending money on things that generate more income (Rich Dad).

4. Financial IQ #4: Leveraging Your Money

Leverage is the ability to do more with less.

Other People’s Money (OPM)

Using debt strategically to acquire assets that pay for the debt and provide cash flow.

Your Brand as Leverage

Your vision and creativity allow you to create products (clothing, pens) that can be sold at a premium, leveraging your intellectual property.

5. Financial IQ #5: Improving Your Financial Information

In the Information Age, information is the most valuable asset.

Terminology & Chemistry

Just as you study chemical properties, you must study financial terms. Information is only valuable if you understand what it means.

Accuracy vs. Opinion

Highly Financial IQ involves being able to distinguish between facts (market data) and opinions (social media hype).

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Why this fits your Vision

You have the ethical drive and the creativity to launch your vision. This book ensures that your “market awareness” includes the technical skill of keeping what you earn. By increasing your Financial IQ, you ensure that your brand remains a vehicle for wealth that benefits all parties involved – your customers, your team, and yourself