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Rich Dad's Increase Your Financial IQ: Get Smarter with Your Money

(Rich Dad #13)

4.07  ·  Rating details ·  4,270 ratings  ·  246 reviews
For years, Robert Kiyosaki has firmly believed that the best investment one can ever make is in taking the time to truly understand how one's finances work. Too many people are much more interested in the quick-hitting scheme, or trying to find a short-cut to real wealth. As Kiyosaki has preached over and over again, one has to truly under the process of how money works be ...more
Paperback, 240 pages
Published March 26th 2008 by Business Plus (first published 2008)
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 ·  4,270 ratings  ·  246 reviews

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Nola Redd
Feb 24, 2012 rated it really liked it
I enjoy Kioysaki's writing and his perspective, though I admittedly don't agree with him on every point. I think he makes some key points.

This particular book focuses significantly on the five key points of financial intelligence, as Kiyosaki sees them. They are:

1. Making more money
2. Protecting your money
3. Budgeting your money
4. Leveraging your money
5. Improving your financial information

He points out that most people are (relatively) strong in IQ #1 - they know how to work hard, etc. However,
Hussam Al Husseini
As usual, Robert T. Kiyosaki is amazing. I summarized the whole book except the last three chapters because I think they are logic! I can summarize the book as follows:

Does money make you rich? No, but financial intelligence does because if you can lose money investing in gold, you can lose money in anything. That is why you should invest in information and know-how before investing your hard-earned money in assets.

"Rich or poor, we all have money problems." This

Jul 26, 2012 rated it it was amazing
A book that breaks down the typical unknown concepts of the financial world, translates it for those who normally talk "deer-in-headlights" language, and gives out an idea of the world that you could be missing. One usually reads "Financial" and throws the book over the shoulder, perhaps even fall asleep.

"I don't care about it. I study hard. I've got a master's degree."
"I'm not stupid, I will pay my debts on time."

This book is not only for rich entrepreneurs. The average people who keep working
Jeroen De Dauw
Nov 14, 2018 rated it liked it
Shelves: non-fiction, business
2.5 stars

If you do not need convincing that money and financial education are important you can skip the foreword and first two chapters (20% of the book). The information density is low. Many words are used to say a single thing and there is lots of repetition. I listened to the audiobook at 200% speed (though in part that number is due to slow but clear narrator).

Main takeaways for me:
* Investments can be classified as capital gains or as income source (dividends, rental income, etc). The lat
May 12, 2014 rated it did not like it
I picked this up based on the title. Initially I was interested in his approach but then I realized that his arguments are not well explained. He makes his points less through careful explanation and more through repetition. There isn't much careful thought in this, it is mainly a black and white, one size fits all approach. It surprised me that when it comes to the How To part of the book, he gets vague, so that may be a part of his plan to get you to sign up for coaching and seminars. He is al ...more
Jun 09, 2016 rated it did not like it
Hated this book. Felt more like a motivational talk. TONS of repetition - word for word - to the point where I think he copy pasted the same paragraphs again and again in different order throughout the book. I hugely disagree with his methods - completely not my type of financial style. Felt explanations on exactly HOW to go about increasing your assets and thus finances were terrible. To me, this was what reading it felt like: "To increase your money you need to become smarter with your money. ...more
Jun 20, 2015 rated it it was amazing
It's really interesting to learn about how the rules of money changed in 1971 when the US dollar was taken off the gold standard. It makes sense that we should not continue to play by the old rules of money in today's society, when money has become "funny money", so to speak. This book states that the secret to making more money is to increase your financial IQ, by finding solutions to problems. Overall, the author states, the rules of money are unfair, but it's how you use this unfairness to yo ...more
Olga Rujanski
Jul 16, 2019 rated it really liked it
I started to read this book, in advance of my self-development coaching programme, as if anticipating what would be required of us. I must say I was amazed at the insight and knowledge this book contained, I found it refreshingly simple but valuable. Easy to read, simply written about complex topics. I helped me a lot. I view the world, the material and immaterial, in a different way after having read the book. It has helped me be more knowledgeable about money and our assets. Which is more than ...more
Jun 15, 2018 rated it liked it
Another Kiyosaki book with some advice, but more inspiration. It seemed like he wanted to force the term "financial IQ" on to the reader. It felt like it was written 3 times on every page. I appreciate what the book teaches, but could have been 1/3 of the length with the content it contains.
Feb 14, 2017 rated it it was amazing
Even the writer used handiful of strange words that impulse me to learn more vocabulary.
Obviously, this is kind of like a classical Rich Dad book from the series and explain a different but similar dimension of how to become rich but definitely worthy to put in reading list. As the author said in the book, "Financial Education is as important as general educaton and professional education".
Some of the ideas about your personal financial success is brilliant. Here are some I want to share:

Visal Visal
Aug 10, 2019 rated it it was amazing  ·  review of another edition
Shelves: business
I can say that I do enjoyed and learned a lot from this book. I’ve read his books before, but still found it useful. In fact, some points in the book are over-repeated, but there are always new things to learn from Rich Dad series. For example, in this book, I found the third financial intelligence, leveraging your money, is the most interesting. This is the most crucial lesson ever in this book. It tells you how you can benefit more from your investments with lower risk by using others’ money, ...more
Roland Karang
Feb 28, 2017 rated it it was amazing
Buy this book accidentally after longtime had not been visit to bookstore

When see the title is Financial IQ, I ask, what is that? never heard this IQ before?

I'm curious what will robert try to share this time, I have to say that I really enjoy reading this book, it enlightening my perspective again after read his first book rich dad poor dad long time ago..

What make most people is not rich or super rich, because we (most likely) never been learn or shape our fundamental about financial whole our
John Beauty-Full
Nov 27, 2017 rated it it was amazing
It is a very good book, inspiring to overcome limits and achieve your goals
Jun 30, 2020 rated it liked it
It doesn't cover the how but the why only so I find it somewhat lacking.
Gabe Wood
Sep 30, 2016 rated it really liked it
Shelves: self-help-sales
Pretty good stuff.
Kiyosaki divides financial intelligence into five “Financial IQs”:

1. Making more money. This is measured by how much money you earn. If you make $100,000 a year, you have a higher Financial IQ than someone earning $30,000 a year.

2. Protecting your money. Once you earn your money, you need to hold onto it. Protecting your money, especially from taxes.

3. Budgeting your money. “Being able to live well and still invest no matter how much you make requires a high level of financial
The beginning of the book is taking place Robert's life. He centralized the book around his Rich Dad, Poor Dad, and his best friend.His Rich Dad is a figure of speech as well as his Poor Dad.Robert's Rich Dad is his best friend dad who taught him how to manage money when gets older and his poor dad is his dad who was smart in school and taught him the academic side of life.
The first problem he faced how to understand how to manage two the life styles.One which had the business smarts and the oth
Jan 13, 2018 rated it it was amazing
Main takeaway:
The most powerful thing in investing is not income, savings, resources, or connections, but INFORMATION. Example, one investor used a credit card for the down payment on a condo (this was in the 70's), rented it and was cashflow positive FOREVER after paying the mortgage and credit card payment. That's basically free money.

Modern day example, using your credit card to invest in crypto (only if you are very confident and it's still risky) cash out when your gains are above the inter
Thavakumar Kandiahpillai
Kiyosaki is more forthright this time, unabashed about his successes and putting down investments other than the types he has chosen. To him, stocks are not as good as his rental properties. He also plugs his various schemes and games. He is proud to associate himslef with Trump, whom he describes as his good friend. He plugs his games and books, and the royalties he receives, unabashedly. Whilst the elements of "financial IQ" are not objectionable, it is clear that he is making a business of se ...more
Theresa Peoples
Jun 25, 2018 rated it did not like it  ·  review of another edition
I read Rich Dad Poor Dad and the Cash Flow Quadrant several years ago. I even read Rich Dad Poor Dad for Teens and gifted the book to a few teenagers in my family. But this book was such a waste of my time and money. Very vague in nature. No real actionable advice. Repeated stories over and over again. Could have left a few names out of this book. Could have left a few stories out of the book and come to the point. A lot of round about talking without really saying anything that was anything clo ...more
May 07, 2014 rated it really liked it
Shelves: self-improvement
A very important book on personal transformation. It starts out as RDPD Part II, but surprisingly finishes as an inspiring manual for creating genius. The last 3 chapters inspired me so much that I immediately reviewed them 3 more times in order to carve the inner change. I was unable to tear myself away from them. Some new interesting concepts, such as the 7 Intelligences and the 3-part Brain. I do wish Kiyosaki would tell us more personal, practical stories from his own businesses so that we c ...more
Jan 19, 2016 rated it really liked it
Excellent guide about the basics of money management. Learned a lot of new things about finance. The book had a lot of terms that I didn't understand but that just shows that my financial literacy is lacking and that I need to devote more time to improve it. The book starts off slow but eventually gets more specific. Recommended.
Apr 04, 2008 rated it it was ok
Nothing in here you haven't already read in the other Kiyosaki Books. Save yourself time, and just read RD/PD, and Cashflow Quadrant.
Sep 26, 2012 rated it it was amazing  ·  review of another edition
Woke me up to where I'm at financially. I really see the need to educate my children to be financially literate. By teaching them it reinforces what I should be focused on, buying assets.
Oct 08, 2014 rated it it was ok
I really liked "Rich Dad Poor Dad" but I was unimpressed by this book. I think this book lacked explanation. I was hoping to actually increase my Financial IQ.
Brandon Perry
Aug 24, 2015 rated it it was amazing
Love anything that Kiyosaki writes. I like the 5 key points he covers in this book on how to increase your financial intelligence. Always important, especially in today's economic times.
Jan 14, 2019 rated it liked it
I love the way Robert just keeps remixing his ideas to sell new books
Rahul Gupta
Feb 24, 2019 rated it liked it
It seemed to me as Robert was trying to sell himself and the 'Rich Dad' brand the whole book.
I didn't get much from the book.
3.5 stars. review coming soon
Ximena FT
Feb 01, 2020 rated it it was amazing
Shelves: 2020
This review has been hidden because it contains spoilers. To view it, click here.
Mar 29, 2020 rated it it was amazing
Financial IQ 1: Making More Money
Financial IQ 2: Protect Your Money
Financial IQ 3: Budgeting Your Money
Financial IQ 4: Leverage Your Money
Financial IQ 5: Improve your Financial Information

Everyone has financial problems
- Poor: victims of money
- Middle-class: prisoners of money
- Rich: students of money
- Net worth is calculated by your ability to solve problems.

Financial statement = report card
- Shows the investor your financial wealth
- Shows the investor your financial integrity
- Shows the inves
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Kiyosaki is best known for his book Rich Dad, Poor Dad, the #1 New York Times bestseller. Kiyosaki followed with Rich Dad's CASHFLOW Quadrant and Rich Dad's Guide to Investing. He has now had at least a dozen books published. A partial list of his books is included below

Other books in the series

Rich Dad (1 - 10 of 13 books)
  • Rich Dad, Poor Dad
  • Rich Dad's Cashflow Quadrant: Rich Dad's Guide to Financial Freedom
  • Rich Dad's Guide to Investing: What the Rich Invest in That the Poor and Middle Class Do Not!
  • Rich Dad's Rich Kid, Smart Kid: Giving Your Children a Financial Headstart
  • Rich Dad's Retire Young, Retire Rich: How to Get Rich Quickly and Stay Rich Forever!
  • Rich Dad's Success Stories: Real Life Success Stories from Real Life People Who Followed the Rich Dad Lessons
  • Rich Dad's Who Took My Money?: Why Slow Investors Lose and Fast Money Wins!
  • Rich Dad's Guide to Becoming Rich...Without Cutting Up Your Credit Cards
  • Rich Dad Poor Dad for Teens: The Secrets About Money - That You Don't Learn in School!
  • Rich Dad's Before You Quit Your Job: 10 Real-Life Lessons Every Entrepreneur Should Know About Building a Multimillion-Dollar Business

News & Interviews

Kate Stayman-London has watched the reality dating show The Bachelor (and its eventual Bachelorette spin-off) since it first started airing in 2002...
16 likes · 4 comments
“Una de las razones por las que la gente no desarrolla su genio es porque es perezosa.” 0 likes
“Toda meta tiene un proceso Como bien sabemos, toda meta que vale la pena conlleva un proceso y mucho esfuerzo. Por ejemplo, para convertirse en doctor hay que atravesar un riguroso proceso de educación y entrenamiento. Muchos sueñan con convertirse en doctores, pero el proceso se los impide. En las páginas anteriores leíste sobre mi proceso y, permíteme decirte, implicó mucho trabajo. Una de las razones por las que la gente carece del IQ financiero # 1: producir más dinero, es porque lo que buscan es el dinero, no el proceso. Lo que muchos desconocen es que lo que los enriquece es el proceso, no el dinero. Los ganadores de lotería o los chicos que heredan una fortuna familiar con frecuencia terminan en bancarrota porque sólo recibieron el dinero pero no tuvieron que atravesar el proceso. Mucha gente no se vuelve rica porque valora más la llegada constante de un cheque que el proceso de aprendizaje que se necesita para ser más inteligente y más rico. Se quedan atrás por el miedo a ser pobres, y ese mismo temor les impide tomar las oportunidades y resolver los problemas necesarios para volverse ricos.” 0 likes
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