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Financial Intelligence: The Key to Finding Money Where Others Don’t.
Written by Robert Kiyosaki :

Financial intelligence starts with financial literacy.
"The average person is 95 percent eyes and only five percent mind when they invest. If you want to become a professional in the B and I quadrants, you need to train your eyes to be only five percent and train your mind to be the other 95 percent." - Rich Dad

There’s no denying we’re in an unprecedented time with COVID-19, but it’s not the only crisis the world has ever seen...nor will it be the last. The question many should be asking themselves is, “How do I find opportunity that others are not seeing during this crisis?”

Financial intelligence leads to seeing opportunity where others don’t
In the last crisis the world faced, the 2008 Great Recession, many people lost their fortunes. In this crisis, the same thing is happening. This is not a surprise. In 2008, I asked myself, “Where is the money flowing and how can I get there first?”

This led Ken McElroy, my Rich Dad Real Estate Advisor, and me to take advantage of some of the only liquidity left in the market, F***y and Freddie loans, to secure apartment communities at rock bottom prices. These deals already gave us cash flow from day one, and a few years after the crisis, we sold those properties and made a lot of money.

At the time, a lot of investors told us no when we offered the opportunity to invest their equity in these deals. They were scared and didn’t want to let go of their money. Today, they regret those decisions.

The same thing happened with many entrepreneurs during the early days of COVID. While some people hunkered down in fear and didn’t take risks, others were finding ways to innovate and make money. For instance, in the first couple months of the pandemic, independent sellers on Etsy sold $133 million in face masks. Money out of thin air by quickly providing a product everyone needed. That doesn’t happen by accident. People were ready and saw opportunity others didn’t.

In short, those who are successful in hard times see money when others don’t. This comes down to one big difference...higher financial intelligence.

Financial intelligence starts with understanding how money works
Every day, even during a global pandemic like the one we’re in now, trillions of dollars are moved around the planet electronically. Whether through government bail out programs or general commerce, there is more money being created and available today than ever before. The problem is that money is invisible. Today, the bulk of it is electronic. So, when people look for money with their eyes, they fail to see anything.

If there were piles of money sitting in the street they would run out and grab as much as they can. This is because their level of intelligence allows them to easily know how to see and grab what is physically in front of them.

Unfortunately, when it comes to financial intelligence, most people have a low IQ. Taking advantage of the virtual piles of money in the financial system takes a high level of financial intelligence that most people simply do not possess. They have no idea how to go grab the cash sitting right in front of them.

In fact, most people struggle to live paycheck to paycheck. And yet trillions fly around the world every day looking for someone who wants it—looking for someone who knows how to take care of it, nurture it, and grow it.

This is because money works like an electric current. An electric current must always transfer somewhere. If it cannot find a new home, it will die. This is why money is called currency. It must transfer somewhere or else it will also die. This is why savers are losers. Eventually savings become worthless because of inflation. To keep money alive it must flow to where it can grow. Those with high financial intelligence are attuned to see where money is flowing and how to go where the money is flowing.

If you know how to take care of money, especially in times of crisis, money will flock to you and be thrown at you. People will beg you to take it. If you don't know how to take care of money, money will stay away from you.

It takes financial intelligence to see money in front of you
Rich dad was adamant that in order to see money and see where it was flowing, you need financial intelligence. His definition of financial intelligence was as follows: It's not how much money you make, but instead how much money you keep, how hard it works for you, and how many generations you keep it for.

For those looking in from the outside, a person with financial intelligence seems almost like a wizard with money. They seem to make it out of thin air, and often it seems like this is done almost without any effort. And they seem to always be getting richer. It can be mystifying and maddening for those with low financial intelligence.

The reality is that if you have a high financial intelligence, you can see where money is flowing, be there before others are, reap the benefits of that money by acquiring assets that grow in value and provide cash flow, and then use that money to then go acquire more assets where more money is flowing. The work is in seeing, then money works for you. It isn’t a magic trick, but you have to study like a magician to be good. It takes dedication for years but it’s the best thing you could spend your time getting good at.

For rich dad, financial intelligence started with simple financial education and grew from there. He felt that education was important because you needed to train your brain to see money; it doesn't come naturally.

Financial intelligence starts with financial literacy
The key to training your brain to see money is financial literacy, the ability to understand the words and number systems of capitalism. If you don't understand the words or the numbers, you might as well be speaking a foreign language.

For rich dad, each quadrant in the CASHFLOW Quadrant was a different country with a language of its own. Employees (E), Self-employed (S), Business (B), and Investors (I) all use different ways of looking at the world and even different words to describe those ways of looking at the world. In each quadrant, if you don't understand the words, you won't understand the numbers.

For example, if a medical doctor says, "Your systolic is 120 and your diastolic is 80," is that good or bad? Is that all you need to know for your health? The answer is obviously a no, but it's a start. It's the same as asking, "My stock's P/E is 12, and my apartment's cap rate is 12. Is this all I need to know for my wealth?" Again, the answer is no, but it's a start.

The beginning of financial literacy is knowing words and numbers, and financial literacy is the basis of financial intelligence. I disagree with those who say, "It takes money to make money." In my opinion, the ability to make money with money begins with understanding the language of money. As rich dad always said, "If money is not first in your head, it won't stick to your hands."

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𝘈 𝘤𝘳𝘺𝘱𝘵𝘰𝘤𝘶𝘳𝘳𝘦𝘯𝘤𝘺, 𝘤𝘳𝘺𝘱𝘵𝘰-𝘤𝘶𝘳𝘳𝘦𝘯𝘤𝘺, 𝘰𝘳 𝘤𝘳𝘺𝘱𝘵𝘰 𝘪𝘴 𝘢 𝘣𝘪𝘯𝘢𝘳𝘺 𝘥𝘢𝘵𝘢 𝘥𝘦𝘴𝘪𝘨𝘯𝘦𝘥 𝘵𝘰 𝘸𝘰𝘳𝘬 𝘢𝘴 𝘢 𝘮𝘦𝘥𝘪𝘶𝘮 𝘰𝘧 𝘦𝘹𝘤𝘩𝘢𝘯𝘨𝘦 𝘸𝘩𝘦𝘳𝘦𝘪𝘯 𝘪𝘯𝘥𝘪𝘷𝘪𝘥𝘶𝘢𝘭 𝘤𝘰𝘪𝘯 𝘰𝘸𝘯𝘦𝘳𝘴𝘩𝘪𝘱 𝘳𝘦𝘤𝘰𝘳𝘥𝘴 𝘢𝘳𝘦 𝘴𝘵𝘰𝘳𝘦𝘥 𝘪𝘯 𝘢 𝘭𝘦𝘥𝘨𝘦𝘳 𝘦𝘹𝘪𝘴𝘵𝘪𝘯𝘨 𝘪𝘯 𝘢 𝘧𝘰𝘳𝘮 𝘰𝘧 𝘢 𝘤𝘰𝘮𝘱𝘶𝘵𝘦𝘳𝘪𝘻𝘦𝘥 𝘥𝘢𝘵𝘢𝘣𝘢𝘴𝘦 𝘶𝘴𝘪𝘯𝘨 𝘴𝘵𝘳𝘰𝘯𝘨 𝘤𝘳𝘺𝘱𝘵𝘰𝘨𝘳𝘢𝘱𝘩𝘺 𝘵𝘰 𝘴𝘦𝘤𝘶𝘳𝘦 𝘵𝘳𝘢𝘯𝘴𝘢𝘤𝘵𝘪𝘰𝘯 𝘳𝘦𝘤𝘰𝘳𝘥𝘴, 𝘵𝘰 𝘤𝘰𝘯𝘵𝘳𝘰𝘭 𝘵𝘩𝘦 𝘤𝘳𝘦𝘢𝘵𝘪𝘰𝘯 𝘰𝘧 𝘢𝘥𝘥𝘪𝘵𝘪𝘰𝘯𝘢𝘭 𝘤𝘰𝘪𝘯𝘴, 𝘢𝘯𝘥 𝘵𝘰 𝘷𝘦𝘳𝘪𝘧𝘺 𝘵𝘩𝘦 𝘵𝘳𝘢𝘯𝘴𝘧𝘦𝘳 𝘰𝘧 𝘤𝘰𝘪𝘯 𝘰𝘸𝘯𝘦𝘳𝘴𝘩𝘪𝘱. 𝘚𝘰𝘮𝘦 𝘤𝘳𝘺𝘱𝘵𝘰 𝘴𝘤𝘩𝘦𝘮𝘦𝘴 𝘶𝘴𝘦 𝘷𝘢𝘭𝘪𝘥𝘢𝘵𝘰𝘳𝘴 𝘵𝘰 𝘮𝘢𝘪𝘯𝘵𝘢𝘪𝘯 𝘵𝘩𝘦 𝘤𝘳𝘺𝘱𝘵𝘰𝘤𝘶𝘳𝘳𝘦𝘯𝘤𝘺. 𝘐𝘯 𝘢 𝘱𝘳𝘰𝘰𝘧-𝘰𝘧-𝘴𝘵𝘢𝘬𝘦 𝘮𝘰𝘥𝘦𝘭, 𝘰𝘸𝘯𝘦𝘳𝘴 𝘱𝘶𝘵 𝘶𝘱 𝘵𝘩𝘦𝘪𝘳 𝘵𝘰𝘬𝘦𝘯𝘴 𝘢𝘴 𝘤𝘰𝘭𝘭𝘢𝘵𝘦𝘳𝘢𝘭. 𝘐𝘯 𝘳𝘦𝘵𝘶𝘳𝘯, 𝘵𝘩𝘦𝘺 𝘨𝘦𝘵 𝘢𝘶𝘵𝘩𝘰𝘳𝘪𝘵𝘺 𝘰𝘷𝘦𝘳 𝘵𝘩𝘦 𝘵𝘰𝘬𝘦𝘯 𝘪𝘯 𝘱𝘳𝘰𝘱𝘰𝘳𝘵𝘪𝘰𝘯 𝘵𝘰 𝘵𝘩𝘦 𝘢𝘮𝘰𝘶𝘯𝘵 𝘵𝘩𝘦𝘺 𝘴𝘵𝘢𝘬𝘦. 𝘎𝘦𝘯𝘦𝘳𝘢𝘭𝘭𝘺, 𝘵𝘩𝘦𝘴𝘦 𝘵𝘰𝘬𝘦𝘯 𝘴𝘵𝘢𝘬𝘦𝘳𝘴 𝘨𝘦𝘵 𝘢𝘥𝘥𝘪𝘵𝘪𝘰𝘯𝘢𝘭 𝘰𝘸𝘯𝘦𝘳𝘴𝘩𝘪𝘱 𝘪𝘯 𝘵𝘩𝘦 𝘵𝘰𝘬𝘦𝘯 𝘰𝘷𝘦𝘳 𝘵𝘪𝘮𝘦 𝘷𝘪𝘢 𝘯𝘦𝘵𝘸𝘰𝘳𝘬 𝘧𝘦𝘦𝘴, 𝘯𝘦𝘸𝘭𝘺 𝘮𝘪𝘯𝘵𝘦𝘥 𝘵𝘰𝘬𝘦𝘯𝘴 𝘰𝘳 𝘰𝘵𝘩𝘦𝘳 𝘴𝘶𝘤𝘩 𝘳𝘦𝘸𝘢𝘳𝘥 𝘮𝘦𝘤𝘩𝘢𝘯𝘪𝘴𝘮𝘴. 𝘊𝘳𝘺𝘱𝘵𝘰𝘤𝘶𝘳𝘳𝘦𝘯𝘤𝘺 𝘥𝘰𝘦𝘴 𝘯𝘰𝘵 𝘦𝘹𝘪𝘴𝘵 𝘪𝘯 𝘱𝘩𝘺𝘴𝘪𝘤𝘢𝘭 𝘧𝘰𝘳𝘮 (𝘭𝘪𝘬𝘦 𝘱𝘢𝘱𝘦𝘳 𝘮𝘰𝘯𝘦𝘺) 𝘢𝘯𝘥 𝘪𝘴 𝘵𝘺𝘱𝘪𝘤𝘢𝘭𝘭𝘺 𝘯𝘰𝘵 𝘪𝘴𝘴𝘶𝘦𝘥 𝘣𝘺 𝘢 𝘤𝘦𝘯𝘵𝘳𝘢𝘭 𝘢𝘶𝘵𝘩𝘰𝘳𝘪𝘵𝘺. 𝘊𝘳𝘺𝘱𝘵𝘰𝘤𝘶𝘳𝘳𝘦𝘯𝘤𝘪𝘦𝘴 𝘵𝘺𝘱𝘪𝘤𝘢𝘭𝘭𝘺 𝘶𝘴𝘦 𝘥𝘦𝘤𝘦𝘯𝘵𝘳𝘢𝘭𝘪𝘻𝘦𝘥 𝘤𝘰𝘯𝘵𝘳𝘰𝘭 𝘢𝘴 𝘰𝘱𝘱𝘰𝘴𝘦𝘥 𝘵𝘰 𝘢 𝘤𝘦𝘯𝘵𝘳𝘢𝘭 𝘣𝘢𝘯𝘬 𝘥𝘪𝘨𝘪𝘵𝘢𝘭 𝘤𝘶𝘳𝘳𝘦𝘯𝘤𝘺 (𝘊𝘉𝘋𝘊). 𝘞𝘩𝘦𝘯 𝘢 𝘤𝘳𝘺𝘱𝘵𝘰𝘤𝘶𝘳𝘳𝘦𝘯𝘤𝘺 𝘪𝘴 𝘮𝘪𝘯𝘵𝘦𝘥 𝘰𝘳 𝘤𝘳𝘦𝘢𝘵𝘦𝘥 𝘱𝘳𝘪𝘰𝘳 𝘵𝘰 𝘪𝘴𝘴𝘶𝘢𝘯𝘤𝘦 𝘰𝘳 𝘪𝘴𝘴𝘶𝘦𝘥 𝘣𝘺 𝘢 𝘴𝘪𝘯𝘨𝘭𝘦 𝘪𝘴𝘴𝘶𝘦𝘳, 𝘪𝘵 𝘪𝘴 𝘨𝘦𝘯𝘦𝘳𝘢𝘭𝘭𝘺 𝘤𝘰𝘯𝘴𝘪𝘥𝘦𝘳𝘦𝘥 𝘤𝘦𝘯𝘵𝘳𝘢𝘭𝘪𝘻𝘦𝘥.

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