The Cash Flow Quadrant

Lessons from the Cash Flow Quadrant by Robert Kiyosaki

•          In life, there are four (4) types of income earners placed in quadrants .E for employees; S for small businesses or self-employed people; B for bigger businesses; I for investors.  Attached to these quadrants are ways these people pursue a livelihood.

•          95% of the people fall in the E and S quadrants provoking me to be sympathetic and want to change their predicament through one per cent club. 5 % are in B and I.

•          I was inspired to occupy B and or I quadrants because they give me more financial freedom than E and S quadrants.

•          And to stay in B quadrant, where the focus is to create systems that work in one’s absence, these traits are required:

          Effective communication skills

          Effective leadership skills

          Emotional Intelligence

          Financial literacy (on how to keep shares

Financial literacy (on how to keep shares, Intellectual Property, bonds… as assets rather than money in a bank)

•          Learn to invest and make money work for you whilst you enjoy life. Get passive income from shares and bonds.

•          The Employee quadrant taught me that I ought to study hard and not to stick to a job, in the name of    job security. Pay checks, experience, promotion, overtime, and your boss do not make one rich. There will always be limited time. Personal ego should not get into you so as to forego side hustles. Take risks too and move out to escape the trap of slavery.

•          S for Self-Employed: The income earners use their small businesses to employ themselves and with the growth of their business, their involvement also increases. This increases risks too. Theirs need to increase financial education to mitigate against risks. These people have limited time for leisure and financial freedom.

 


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