EXPOSED: The 3-Word Test That Keeps 97% of People Broke — And How to Pass It

Understanding how the financial system works is essential for anyone trying to protect their wealth, evaluate investments, and make informed financial decisions. Most people focus on earning money, saving for retirement, and investing in traditional financial products. But few understand how banks create credit, how central banks influence financial markets, or how debt and regulation affect the assets they own. In this special edition of The Rich Dad Radio Show, Robert Kiyosaki and Kim Kiyosaki revisit conversations with financial experts who challenge conventional thinking about money, banking, inflation, energy, and investing. The central question: Are you making financial decisions based on how you think the system works—or how it actually operates? What you'll learn: -How the financial system works beyond traditional saving and investing -Why exponential growth matters when evaluating economic trends -How banks create credit and manage deposits -Why bank balance sheets and financial stability matter -What central bank digital currencies are and why they raise privacy concerns -How central bank policies can influence inflation and asset prices -Why energy and natural resources matter to economic activity -How private equity firms use debt to acquire businesses -Why corporate leverage can create risks for employees and investors -How financial education helps investors ask better questions about money Throughout these conversations, Robert returns to a consistent message: Financial education gives people a better foundation for making decisions about their money. Understanding debt, banking, monetary policy, and investment structures doesn't eliminate financial risk. But it helps investors recognize risks they might otherwise overlook. You don't have to control the financial system to understand it. And the more you understand it, the better equipped you are to make informed financial decisions. 00:00 Best Of Rewind 00:05 Three Es Framework 00:39 Exponential Growth Basics 01:18 Stadium Eyedropper Story 04:03 We Are Near The Top 04:48 Debt And Fake Money 06:41 Energy Powers Economy 09:36 Banks Create Dollars 11:31 CBDC Privacy Threat 15:48 FDIC And Eurodollars 19:02 Central Banks Fabricate Money 26:58 What Private Equity Is 30:09 Unregulated And Unaccountable 33:17 Pensions And Bankruptcy Risk 36:28 Final Takeaways ----- FREE Rich Dad Kit: 3 guides to help shield your retirement savings. Go to 🌐 prioritygold.com/richdad, 📱call 866-703-9895 or text GUIDE to 24999. (U.S. residents only). ----- Disclaimer: The information provided in this video is for educational and informational purposes only. It should not be considered as financial advice or a recommendation to buy or sell any financial instrument or engage in any financial activity. The content presented here is based on the speaker's personal opinions and research, which may not always be accurate or up-to-date. Financial markets and investments carry inherent risks, and individuals should conduct their own research and seek professional advice before making any financial decisions.

When the poor need money, they sell. When the rich need money, they do something completely different.

How do the rich find investment opportunities that most people overlook? According to Robert Kiyosaki, the difference isn't luck. It's financial education, understanding cash flow, knowing how to evaluate risk, and surrounding yourself with people who recognize opportunities others don't. In this episode of The Rich Dad Radio Show, Robert Kiyosaki and Kim Kiyosaki welcome stock market expert Andy Tanner and resource investor Marin Katusa to explore how experienced investors identify opportunities in real estate, stocks, natural resources, and emerging investment markets. While most people focus on market headlines, stock prices, and conventional financial advice, the Rich Dad approach asks a different set of questions: Where is the value? How does the asset generate cash flow? What are the risks? And what does the average investor fail to understand? Andy Tanner explains why he evaluates stocks the same way a business owner evaluates a company. Rather than buying a stock simply because its price might rise, Andy studies the underlying business, its financial statements, and its ability to produce income. He compares this approach to real estate investing, where investors evaluate rental income, expenses, and long-term cash flow instead of relying exclusively on property appreciation. The lesson is simple: Understanding what an asset produces can matter more than guessing what someone will pay for it tomorrow. Marin Katusa shares lessons from financing natural resource projects around the world. He explains why an investment that looks attractive on paper can carry risks that many investors fail to recognize. Government intervention, political instability, management incentives, project economics, and the price investors pay can all determine whether an opportunity deserves further consideration. Marin challenges the belief that investors must accept enormous risks to pursue significant returns. Instead, he emphasizes understanding an asset's underlying value, evaluating management, and recognizing when the market may have mispriced risk. The conversation turns to carbon credits, an emerging market that Marin believes offers investment potential. He explains how carbon credit projects work, why corporations purchase credits, and how environmental initiatives may create new business opportunities. Robert and Kim discuss why they became interested in investing alongside Marin and how they evaluate opportunities outside conventional asset classes. The discussion illustrates an important Rich Dad principle: Investors who continue learning may recognize unfamiliar opportunities before those markets attract widespread attention. But early opportunities also carry uncertainty. Investors must examine regulatory exposure, business fundamentals, pricing, and the potential for loss rather than assume that a growing market guarantees profitable investments. Robert, Kim, and Andy also discuss the importance of mentors. Andy shares how reading Rich Dad Poor Dad changed his thinking, but finding experienced people to learn from helped him begin applying those lessons. Kim recalls the role mentors played when she and Robert first learned about investing in publicly traded companies and resource businesses. Their experiences reinforce a central lesson: Financial education isn't simply knowing what to buy. It's learning how to evaluate opportunities and developing relationships with people who can challenge your assumptions. In this episode, you'll learn: -How experienced investors find investment opportunities others overlook -Why cash flow matters when evaluating real estate and stocks -How to analyze a business instead of speculating on stock prices -Why buying below an asset's underlying value matters -How political and management risks affect investment decisions -What carbon credits are and why investors are studying the market -How emerging industries can create new investment opportunities -Why mentors can

As markets plunged, Robert Kiyosaki and Kim were closing on a 300-unit apartment building in Tulsa for $17 million—while TV experts urged viewers to stay the course. In this episode, Kiyosaki uses that contrast to lay out five money moves: rethink the security of jobs and savings, turn paychecks into assets, distinguish borrowing for cash-flowing investments from borrowing for consumption, and question advice from people paid to sell financial products. He also tells the story of how a private-investment deal opened his eyes to who gets access to what he calls the "best investments." The episode challenges familiar ideas about financial safety—and makes a clear case for why its advice may not suit everyone.

Understanding financial education vs financial advice starts with one critical distinction: advice tells you what someone else thinks you should do, while education helps you develop the knowledge to make your own decisions. In this episode of The Rich Dad Radio Show, Robert Kiyosaki and Kim Kiyosaki sit down with Rich Dad advisor Andy Tanner and former Wall Street executive and author Nomi Prins to examine what investors need to understand about markets, central banks, risk, and their own financial future. Nomi explains how central bank policies have shaped financial markets and why she believes the actions of the Federal Reserve and other central banks have created a growing disconnect between Wall Street and the real economy. Andy brings that discussion directly to investors. When markets rise for years, it's easy to believe that buying, holding, and waiting will always work. But Andy argues that financially educated investors don't simply prepare for markets to go up. They learn how markets work, understand risk, and consider how they will respond when conditions change. That leads to one of the episode's biggest Rich Dad challenges: Are you learning how to invest, or are you simply paying someone else to tell you what to do? Robert argues that financial education should give investors more control over their decisions. Rather than asking, "What should I buy?" he encourages people to study money, understand different asset classes, and develop the ability to evaluate opportunities for themselves. The group also discusses the importance of preparing instead of predicting. Andy explains how professional investors use strategies such as hedging to manage risk rather than assuming they can accurately predict whether markets will rise or fall. You'll learn: -The difference between financial education and financial advice -How central bank policies can affect financial markets -Why the stock market and real economy don't always move together -Why investors should prepare for both rising and falling markets -How hedging can help investors think differently about risk -Why Robert challenges conventional retirement investing -How investor positioning can matter more than predicting the market -Why mistakes and losses can become part of financial education -How emotions can interfere with investment decisions -Why investors need to develop their own knowledge before putting money at risk Robert, Kim, Andy, and Nomi also challenge the conventional belief that making an investing mistake automatically means you've failed. Each shares how experience—including losing money—can expose weaknesses in your knowledge, strategy, or temperament. The goal isn't to know exactly what the Federal Reserve, stock market, inflation, or economy will do next. It's to become the kind of investor who doesn't need someone else to provide every answer. Financial education isn't about being told what to do. It's about developing the ability to think, evaluate risk, adapt, and make informed financial decisions for yourself.