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2025 Singapore Robert Kiyosaki "Rich Dad's Guide to Making the World Wealthy Again" Speech Transcript

Robert Kiyosaki

August 24, 2025 10:04

Follow me, let's move towards financial freedom together! Robert Kiyosaki Singapore Speech Transcript (Full Chinese Version)
⸻Opening and Gratitude Thank you very much! First of all, I appreciate your time; time is the most valuable. Secondly, thank you for your support of the event. Most importantly, thank you for your trust. In 1996, I first came to Singapore. That was almost 30 years ago. At that time, I publicly talked about "Rich Dad" and "Poor Dad," about financial intelligence education. If not for that beginning, none of what followed would have happened. Since then, my books and courses have been translated into over 50 languages and spread worldwide. So today, standing here, I am very grateful.
⸻Poor Dad and School Education My poor dad was very smart; he believed in education, school, and degrees. He told me: study hard, get good grades, find a good job, work hard, save money, pay off debts, buy a house, retire with a pension. But the problem is: schools never teach about money. Schools train you to be an employee, not an owner. They make you work for money, not make money work for you. So at age fifteen, I asked my teacher: why don’t we learn about money? Why after so many years of study, no one told us how money works? The teachers had no answer.
⸻War and Mission Awakening In 1965, I was studying in New York. In 1966, I went to Vietnam as a Marine Corps pilot. In Vietnam, I saw death, I saw comrades shot down. I myself crashed three times but survived. So I began to ask: what is my mission? Why am I alive? A mission is not about money; it is the task given by heaven. For me, after the war, I understood: my mission is to teach people about money. Without financial intelligence education, people are slaves to money; with financial intelligence education, people are free. This became my lifelong mission.
⸻Core of Financial Intelligence Education I see many highly educated people still struggling for money. They work hard, save, buy houses. But they remain poor. Why? Because they cannot distinguish between assets and liabilities. So I teach everyone: money flowing out of your pocket is a liability; money flowing into your pocket is an asset. The most important lesson: it’s not how much you earn, but how much you keep, how long money works for you, and how many generations you can pass it down. That’s why I created the "Cashflow Game." You don’t learn financial intelligence just by reading; you learn through practice. When you play the game, you'll see the truth: the rat race is real, only when passive income exceeds expenses are you free. The four main asset classes are: 1. Business—starting your own company. 2. Real estate—properties that generate cash flow. 3. Paper assets—stocks, bonds, funds. 4. Commodities—gold, silver, oil, etc. The wealthy focus on assets, while the poor and middle class focus on liabilities, thinking they are assets.
⸻Crisis, Health, and Wealth Analogy Crashes are not bad; they are opportunities. In 2008, millions lost everything, but I became richer because I was prepared. In medicine, medicine cannot cure you; changing your lifestyle can. In wealth, working will not make you rich; financial intelligence education will. In the 1970s, I saw economic downturns. In 2008, I saw economic collapse again. Today, we are heading toward another crisis. History always repeats. The masses tend to buy at the peaks and panic and sell at the lows. That’s why most people lose money. But for trained investors, crashes are the best opportunity. A crash means assets are on sale. In 2008, I borrowed 30 million dollars to buy real estate. People said, “You’re crazy, the world is ending!” But that crisis made me richer. So don’t fear crashes. Don’t listen to fear-mongering news. Instead, prepare yourself, educate yourself, build cash flow. Only then can you become stronger in every cycle.
⸻AI and the Future Today, people fear AI, fear quantum computing. But don’t let fear control you. Just like the Agricultural Revolution, Industrial Revolution, and the Internet, AI is just another transition. The question is: will you be prepared, or will you be left behind? Keep an open mind, learn, adapt, and you will thrive in the future.
⸻Wisdom of Real Estate and Debt During the 2008 crash, I borrowed 30 million dollars to buy real estate. People thought I was crazy, saying, “The world is collapsing, why are you borrowing so much money?” But that’s the difference between the wealthy and the poor. The poor fear debt; the wealthy leverage debt. Debt, if used wisely, is money. I don’t save money; I borrow money. Because investing debt into cash-flowing assets makes me richer. Saving money makes you poorer because the government prints more money every day. So every crisis, I ask myself: how can I turn the crash into an opportunity? That’s why I love real estate. Real estate plus cash flow is my moat against crashes.
⸻Educational Power of the Cashflow Game Many people ask me: “How do I start learning financial intelligence?” My answer is: play the "Cashflow Game." Because when you play, you experience the truth firsthand: working harder doesn’t make you free; a higher salary doesn’t make you free; saving money doesn’t make you free. Only when you escape the rat race—when passive income exceeds expenses—are you truly free. That’s why I travel the world teaching with this game. Because this game teaches what schools refuse to teach: the difference between assets and liabilities, and the power of cash flow.
⸻Closing and Call to Action So, friends, here is what I want to convey: don’t fear the future, don’t fear crashes, don’t fear AI. Be prepared, educate yourself, build assets, increase cash flow. Most importantly, find your mission. Money is not the goal; mission is the goal. Money is just a tool. With financial intelligence education, you can make money serve your mission; without education, you’ll be enslaved by money. So I invite you: play the game, learn financial intelligence, and join me in teaching the world the true rules of money. Thank you, Singapore!