The Business Of The 21st Century extols the virtues of network marketing as a business model that is ideal for the average person, to create streams of income.

In this book, Kiyosaki going to show us why you need to build your own business, and exactly what kind of business. But this isn’t just about changing the type of business you’re working with; it’s also about changing you. He can show us how to find what you need to grow the perfect business for you, but for your business to grow, you will have to grow as well.

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Take responsibility for your finances—or get used to taking orders for the rest
of your life. You’re either a master of money or a slave to it. Your choice.

Dedication By Robert Toru Kiyosaki “The Business of the 21st Century“

“I dedicate this book, The Business of the 21st Century, to the millions of you who are
at a crossroads in life—who are affected by the current economic crisis and feeling
helpless as to what you can do to secure your financial future. I want you to know
that these are, despite what they may seem, the best times to take control of your
future. I have spent my life educating people on how to attain financial freedom, and
I know that this book, like the others in my Rich Dad series, will provide you with
insight needed to create—and sustain—wealth for years to come. Once you learn
the truth of how money works and the business opportunities available to you in the
21st century, you will be able to begin building the life you desire.“

The Business Of The 21st Century By Robert Toru Kiyosaki Chapter Summaries

“Take Control of Your Future
Why you need to have
a business of your own“

CHAPTER 1 The Rules Have Changed The Business Of The 21st Century

It’s a New Century
When I was a kid, my parents taught me the same formula for success that you probably learned: Go to school, study hard, and get good grades so you can get a secure, high-paying job with benefits—and your job will take care of you.

But that’s Industrial-Age thinking, and we’re not in the Industrial Age anymore. Your job is not going to take care of you. The government will not take care of you. Nobody’s going to take care of you. It’s a new century, and the rules have changed. My parents believed in job security, company pensions, Social Security, and Medicare. These are all worn-out, obsolete ideas left over from an age gone by.

Today job security is a joke, and the very idea of lifetime employment with a single company—an ideal so proudly championed by IBM in its heyday—is as anachronistic as a manual typewriter. Many thought their 401(k) retirement plans were safe. Hey, they were backed by
blue-chip stocks and mutual funds, what could go wrong? As it turned out, everything could go wrong. The reason these once-sacred cows no longer give any milk is that they are all obsolete: pensions, job security, retirement security—it’s all Industrial Age thinking. We’re in the Information Age now, and we need to use Information Age thinking. Fortunately, people are starting to listen and learn. It’s a shame that it takes suffering and hardship to bring the lesson home, but at least the lessons are hitting home. Every time we experience a major crisis—the dot-com bust, the economic aftermath of 9/11, the financial panic of ’08, and recession of ’09—more people

realize that the old safety nets just won’t hold up anymore. The corporate myth is over. If you’ve spent years climbing the corporate ladder, have you ever stopped to notice the view? What view, you ask? The rear end of the person in front of you. That’s what you get to look forward to. If that’s the way you want to view the rest of your life, then this book probably isn’t for you. But if you are sick and tired of looking at someone else’s behind, then read on.

CHAPTER 2 The Silver Lining The Business Of The 21st Century

When times are bad is when the real entrepreneurs emerge.  Many new businesses are formed when the economy is bad. One person’s adversity is another person’s opportunity. Some people are even forced into starting a business of their own because they can’t find a good job.

On July 13, 2009, TIME magazine ran a piece on page 2 they called “10 Questions for Robert Kiyosaki.” One of the questions asked of me was this: “Are there opportunities to create new companies in this turbulent economy?” “Are you kidding?!” was my first thought. Here is how I answered:

This is the best time. When times are bad is when the real entrepreneurs emerge. Entrepreneurs don’t really care if the market’s up or down. They’re creating better products and better processes. So when somebody says, “Oh, there’s less opportunity now,” it’s because they’re losers.

You’ve heard an awful lot of bad news about the economy. Ready for the good news? Actually, the bad news is the good news. I’ll tell you the same thing I told TIME magazine: A recession is the best time to start your own business. When the economy slows down, entrepreneurialism heats up like a stoked-up wood stove on a cold winter night. Q: What do the Microsoft and Disney empires have in common, besides the fact that they are both hugely successful billion-dollar businesses that have become household names? A: They were both launched during a recession.

CHAPTER 3 Where Do You Live? The Business Of The 21st Century

The S quadrant is typically a trap. As a self-employed person, you are still trading hours for dollars and you don’t have any leverage. You basically own your own job.

Everything relies on you and you alone. That’s until you want to take time off or you lose your ability to work. Most people working in the “S” quadrant work twice as hard as they did in their job and make half as much.

The cashflow quadrant represents the different methods by which a cash income is generated. For example, an employee earns money by holding a job and working for someone else or a company. The self-employed are people who earn money working for themselves, either as solo operators or through their own small business. A business owner owns a large business (typically defined as 500 employees or more) that generates money. Investors earn money from their various investments—in other words, money generating more money.

E = Employee S = Self-employed or Small-business owner B = Business owner I = Investor 

Which quadrant do you live in? In other words, from which quadrant do you receive the majority of the income on which you live?

The E Quadrant

The overwhelming majority of us learn, live, love, and leave this life entirely within the E quadrant. Our educational system and culture train us, from the cradle to the grave, in how to live in the world of the E quadrant. The operating philosophy for this world is what my poor dad—my real father— taught me, and what you probably learned, too, when you were growing up: Go to school, study hard and get good grades, and get a good job with benefits at a great company.

The S Quadrant

Driven by the urge for more freedom and self-determination, a lot of people migrate from the E quadrant to the S quadrant. This is the place where people go to “strike out on their own” and pursue the American Dream. The S quadrant includes a huge range of earning power, all the way from the teenage freelance baby sitter or landscaper just starting out in life to the highly paid private-practice lawyer, consultant, or public speaker. But whether you’re earning $8 an hour or $80,000 a year, the S quadrant is typically a trap. You may have thought you were “firing your boss,” but what really happened is that you just changed bosses. You are still an employee. The only difference is that when you want to blame your boss for your problems, that boss is you. The S quadrant can be a thankless and difficult place to live. Everyone picks on you here. The government picks on you—you spend one full day a week just in tax compliance. Your employees pick on you, your customers pick on you, and your family picks on you because you never take any time off. How can you? If you do, you lose ground. You have no free time because if you take time off, the business doesn’t earn money. In a very real way, the S stands for slavery: You don’t really own your business; your business owns you.

The B Quadrant

The B quadrant is where people go to create big businesses. The difference between an S business and a B business is that you work for your S business, but your B business works for you. I have many B businesses, including my manufacturing business, my real estate business, mining companies, and others. Those who live and work in the B quadrant make themselves recession-proof, because they control the source of their own income.

The I Quadrant

This is not rocket science. My rich dad taught me to live in the I quadrant by playing Monopoly, and we all know how that works: four green houses, one red hotel; four green houses, one red hotel.

Changing Jobs Is Not Changing Quadrants 

Now let me explain why it’s so important to understand these different quadrants. How often have you heard someone complain about their job, then decide to make a change, only to end up a few years later with the same old complaints? I keep working harder and harder, but I’m just not getting ahead. Every time I get a raise, it gets eaten up by taxes and higher expenses. I’d rather be doing [fill in the blank], but I can’t afford to go back to school and learn a whole-new profession at this stage of my life. This job stinks! My boss stinks! Life stinks! (etc.) These and dozens of others like them are all statements that reveal a person who is trapped—trapped not in a certain job, but in an entire quadrant. The problem is, most of the time when people do get up the initiative to actually make a change in their lives, all they do is change jobs. What they need to do is change quadrants.

CHAPTER 4 Your Core Financial Values The Business Of The 21st Century

 When you’re talking to someone who values having a job, it is difficult to explain why you might not want a job. Most people have the employee mindset and have no desire to be their own boss. Most people have been programmed their entire life to work for someone else as an employee.

Different Quadrants, Different Investors 

In today’s world, we all need to be investors. However, our school systems do not teach us much about investing. Oh, I know that some schools teach stock picking, but to me, that is not investing; that’s gambling. Years ago, my rich dad pointed out to me that most employees invest in mutual funds or savings. He also said, “Just because you’re successful in one quadrant, such as the E, S, or B, does not mean you will be successful in the I quadrant. Doctors are often the worst investors.”

If you want to get rich, you’re going to have to move. You
don’t need a new job; you need a new address

CHAPTER 5 The Mindset of an Entrepreneur The Business Of The 21st Century

A college education is important for traditional professions, but not for people looking to build wealth. If you want to be a doctor, lawyer or accountant, you need to go to college. But if you want to be an entrepreneur it isn’t required. Most successful entrepreneurs never went to college! Even if you go to college, it won’t prepare you for starting and growing your own business. College teaches people how to be employees.

What Does It Take to Be an Entrepreneur?

 Entrepreneurs are the richest people on earth. We know the names of the famous entrepreneurs: Richard Branson and Donald Trump, Oprah Winfrey and Steve Jobs, Rupert Murdoch and Ted Turner. But most wealthy entrepreneurs are people you and I will never hear of, because they don’t command media attention; they just quietly live rich lives. I often hear people debate the question, “Are entrepreneurs born or can they be developed?” Some think it takes a special person or a certain magic to be an entrepreneur. To me, being an entrepreneur is not that big a deal; you just do it. Let me give you an example. There’s a teenager in my neighbourhood who has a thriving baby-sitting business and hires her junior-high classmates to work for her. She is an entrepreneur. Another young boy has a handyman business after school. He is an entrepreneur. Most kids have no fear, while for most adults, that’s all they do have.

It takes courage to discover, develop and donate
your genius to the world.

CHAPTER 6 It’s Time to Take Control! The Business Of The 21st Century

People who work for income work harder and harder, only to be taxed more and more. The more you make the more the government takes, and at a higher rate. Employees have no tax incentives either. Owning a business allows you to legally minimize your taxes.

Hard Work Will Not Make You Rich

 There is this strange idea in our culture that says, “If you work really hard, you’ll be okay.” What a pile of baloney! And what’s so tragic about it is that most people have been brainwashed to believe it, and they do believe it, even though we’re all surrounded by tons of evidence to the contrary. What evidence? Just look around you. Do you know anyone who has worked really hard his entire life, only to end up living a life that hovers just above—or just below—the indignity and heartbreak called “subsistence level”? Of course you do. We all do.

The world is full of people who work hard and are most definitely not okay. And perhaps the worst part about it is that many of these unfortunates come to the conclusion that it was their fault, their personal failing. They did all the right things, right? But it still didn’t work.

Maybe they just didn’t try hard enough, or didn’t get the lucky breaks. Maybe they were just not cut out for success. Nonsense. The problem is that the hard-work myth is just that: a myth. Now, don’t get me wrong. I’m not saying that building wealth and financial freedom doesn’t take hard work; it does, and lots of it. I hope you’re not naïve enough to believe the idiots who will tell you they can show a way to wealth that’s easy, that’s quick, or that’s painless. Because if you are, I know a bridge you can buy real cheap—and an entire system of subprime mortgages and credit-default swaps that might be just right for you. No, it takes hard work, all right. The question is, hard work doing what? I can already hear you thinking, “Doing what?! Making money, of course!” But not so fast, because here’s the cold, hard truth lurking behind that sad error of our culture’s thinking:

Working hard at making money will never create wealth.

People who work for income work harder and harder, only to be taxed more and more. Forget working hard at making money: All you’ll do is spend it, and then have to work hard all over again. You might be asking, “Okay, so what do I do?” You take control. Take control of what? After all, most things in life you cannot control, no matter how hard you try. You can’t control the market. You can’t control employees. You can’t control the economy. What can you control? You can control the source of your income.

CHAPTER 7 My Years in the Business The Business Of The 21st Century

In the course of starting a new business – and I’m talking about a successful business – you can easily go Eve to ten years without getting a pay check. Most successful businesses in the real world take a few years just to make their first dollar of profits. That’s why you need substantial savings before going full time, or you should start your business part-time, while you keep your day job. Nothing worth accomplishing is fast, free or easy.

I came to realize that while personal success is fulfilling,
it’s much more fulfilling when you can help many others
create their own success as well.

CHAPTER 8 It’s Not About Income— It’s About Assets That Generate Income The Business Of The 21st Century

11 If it doesn’t make you money, it’s not an asset, it’s a liability. Anything that takes your money out of your pocket is a liability.

How to Know Your Asset from a Hole in the Ground 

Forget the dictionary definition for a moment. Let’s talk about the real world. An asset is something that works for you, so you don’t have to work for the rest of your life. My poor dad always said, “Work for a job.” My rich dad said, “Build assets.”

The powerful thing about living in the B quadrant is that when you build a business, you are building an asset. In our Rich Dad business, we have offices throughout the world. Whether I’m working or sleeping or playing golf, the checks come in. That’s passive income: residual income. While I won’t work hard for a job, I’ll work really hard to build an asset, simply because I think like a rich person, not like a working-class person. Because owning a business is owning an asset, when you build a network marketing business, you’re not only learning critical life skills, you’re also building a genuine asset for yourself. In a job, you earn income.

In network marketing, instead of earning income, you build an asset—your business—and the asset
generates income.
I only invest in things that make me money. If it makes me money, it’s an asset; if it takes money from me, it’s a liability. I have two Porsches. They’re liabilities. I own them free and clear, but they’re not putting money in my pocket; they’re taking money out of my pocket. It’s not rocket science.

CHAPTER 9 Asset #1: A Real-World Business Education The Business Of The 21st Century

Three Kinds of Education If you want to be financially successful, there are three different types of education you require: scholastic, professional, and financial education.

Scholastic education teaches you how to read, write, and do math. It is a very important education, especially in today’s world. Personally, I did not do well with this level of education. As I’ve said, I was a C student most of my life, simply because I was not that interested in what I was being taught.

Professional education teaches you how to work for money. In other words, it prepares you for life in the E and S quadrants. During my youth, the smart kids went on to become doctors, lawyers, and accountants. Others went to professional schools that taught them to become medical assistants, plumbers, builders, electricians, and automobile mechanics.

Financial education is where you learn to have money work for you rather than to have you work for money. You might think you’d get a financial education in business school, but by and large, that’s not what happens. What business schools generally do is take the smartest kids and train them to be business executives for the rich. In other words, they train their students for life in the upper echelon of the E quadrant—but it’s still the E quadrant.

The Important Skills

 Being an entrepreneur and building a B quadrant business is not easy. In fact, I believe building a B quadrant business is one of the toughest challenges a person can take on. The reason there are so many more people in the E and S quadrants is that those quadrants are less demanding than the B quadrant. If it were easy, everyone would be doing it.

CHAPTER 10 Asset #2: A Profitable Path of Personal Development The Business Of The 21st Century

Network marketing gives you the opportunity to face your
fears, deal with them, overcome them, and bring out the
winner that you have living inside you.

Many people spend their lives hanging out and networking with people who hold them back Financially. Take advice from people who have what you want and avoid the haters. Surround yourself with people who uplift you and encourage you and avoid the people who bring you down. Never take advice from someone who doesn’t have what you want.

CHAPTER 11 Asset #3: A Circle of Friends Who Share Your Dreams and Values The Business Of The 21st Century

Network marketing not only provides a great business
education, it also provides a whole-new world of
friends—friends who are going in the same direction as
you are and share the same core values as you do.

According to the Direct Selling Association (DSA), a significant number of people who join network marketing companies and stick with them rank the social network they belong to as an even higher priority than the income they earn. Most people want to belong to something bigger than themselves. They want more friends and better relationships. Your job is to create a team culture than enables that. Create a strong community and attrition won’t be a huge problem.

CHAPTER 12 Asset #4: The Power of Your Own Network The Business Of The 21st Century

The power is not in the product; the power is in the
network. If you want to become rich, the best strategy is
to find a way to build a strong, viable, growing network

Thomas Edison was one of my rich dad’s heroes. People today often think of Edison as the inventor of the light bulb, but this is not true. Edison did not invent the light bulb; what he did do was improve it and perfect it. Even more important, he figured how to turn it into a business.

Young Edison grew restless selling newspapers, and learned how to send and receive Morse code so he could get a job as a telegraph operator. Soon he was one of the best telegraph operators around—and this is where he learned the secret that would make him a millionaire. As a telegraph operator, he saw what had transformed the invention of the telegraph into such a success: It was the system of lines, poles, skilled people, and relay stations. It was the power of a network. 

While Edison is famous for tinkering with the light bulb and perfecting the filament that made the bulb practical, Edison’s true stroke of genius was to create a company that strung the electric lines that allowed the light bulb to penetrate society. The company Edison founded would make him a multimillionaire. It was called General Electric.

What made Edison’s business so revolutionary was not the light bulb itself, but the system of electrical lines and relay stations that powered the light bulb. It was the network. My rich dad told me, “The richest people in the world build networks. Everyone else looks for work.”

CHAPTER 13 Asset #5: A Duplicable, Fully Scalable Business The Business Of The 21st Century

what gives your network marketing business its real power is not what you can do; it’s what you can duplicate. In other words, you want to build your business in a way that virtually anyone else can readily copy. Why? Because others copying what you do is exactly what you want to happen—what you need to have happen. That’s what creates your success.

Information Tools for Infinite Scalability 

Another way of saying what John is talking about, when he says the secret is duplication, is this: The power of your business is in its scalability. A business that is scalable simply means a business that can operate on any scale.

This is often the make-or-break issue with entrepreneurs. The world is full of would-be entrepreneurs who create businesses that are wonderful, as long as they’re operating on a scale so small that they can personally control every aspect of the business. But there are very few entrepreneurs who grasp how to design their tiny little business model so it can be multiplied and replicated many times over without their direct participation.

 This is the secret of Ray Kroc’s brilliance in creating the McDonald’s phenomenon. He didn’t seek out an elite corps of especially talented restaurateurs with high-level expertise to run his multiple operations. Instead, he designed the expertise right into the operation.

CHAPTER 14 Asset #6: Incomparable Leadership Skills The Business Of The 21st Century

Leadership is the force that makes it all come together.
Leadership is what builds great businesses.

Speaking Directly to Spirit 

Money does not go to the business with the best products or service. Money flows to the business with the best leaders.

A Very Special Type of Leader

Network marketing tends to develop the type of leader who influences others by being a great teacher, teaching others to fulfill their life’s dreams by teaching others to go for their dreams. 

The Four Elements of Leadership 

1.Mental 2.Motional 3.Physical 4.Spiritual

CHAPTER 15 Asset #7: A Mechanism for Genuine Wealth Creation The Business Of The 21st Century

Wealth is not the same thing as money. Wealth is not
measured by the size of income. Wealth is measured in time.

My Simple Four-Step Path to Financial Freedom

1) Build a Business

Building a business allows you to generate a lot of money. Furthermore, the tax laws of the United States are very favourable to people who earn their income in the B quadrant and punish people who earn their money in the E quadrant. A business is like a child: It takes time to grow. While it can take less time, and can certainly take more, getting a business off the ground typically takes about five years.

2) Reinvest in Your Business 

The key to this process is that you don’t try to use your business as an income source to live on. A lot of first-time network marketers make this mistake. As soon as they start seeing an income stream develop from their new business, they use that new income to expand their living expenses: buy a second car, buy a bigger house, take expensive vacations, and so forth. Why do people do this? It’s not because they’re idiots: I’ve seen very intelligent, well-informed people follow this pattern. They do it for one reason and one reason only: They are still living, breathing, and thinking in the E quadrant. If you want to build wealth, you have to get your head out of the left-hand side of that diagram and start thinking B and I. First, keep your day job. Your goal is not to replace your job with your business—that’s just treating your business like your new job. You’ll never build wealth that way. Instead, once your new business is making some money, go right to Step 2: Reinvest your new income in that business in order to grow it still further. “But I don’t want to keep my day job—I hate working there! Isn’t that the whole point? I want to stop working as an employee!”

The reason so many people fail to achieve great
wealth in any business is simply that they fail to reinvest
continually in the business.

3) Invest in Real Estate 

As your business income continues to grow, you begin using that supplemental income to buy real estate. You’ll notice there are no mutual funds, stock portfolios, or other paper assets in this plan. That’s because even though they are the easiest assets to build (all you have to do is buy them), trading in stocks and mutual funds is risky, profits made are taxed at the capital gain rate, and investing takes financial education to lessen risk. The idea here is to use your new supplemental money to build an income-generating asset. There are many types of assets that can generate income, but the one I recommend most often is real estate, for two principal reasons. First, the tax laws are written in favor of business owners who invest in real estate. Second, your banker loves to lend you money for real estate. Try asking your banker for a thirty-year loan at 6.5 percent to buy mutual funds or stocks. They’ll laugh you out of the bank. 

4) Let Your Assets Buy Luxuries

Today we live in a large home and have six luxury cars between us—but we didn’t buy that house or those cars. Our assets bought them; we just enjoy them. When I say “luxury,” I don’t necessarily mean something extravagant or ostentatious. I mean something that you want and enjoy, and that exists beyond what you “need.”

CHAPTER 16 Asset #8: Big Dreams and the Capacity to Live Them The Business Of The 21st Century

It is striving, learning, and doing your best to develop
your personal power to be able to afford the big house
and who you become in the process that are important.

There Are Five Kinds of Dreamers: 

1. Those Who Dream in the Past
2. Those Who Dream Only Small Dreams  
3. Those Who Achieve a Dream, and Then Live Bored
4. Those Who Dream Big Dreams, But with No Plan on How to Go About Achieving Them, So They End Up with Nothing  
5. Those Who Dream Big, Achieve Those Dreams, and Go On to Dream Even Bigger Dreams!

CHAPTER 17 A Business Where Women Excel by Kim Kiyosaki The Business Of The 21st Century

The supporting, coaching, nurturing relationship of a
network marketing sponsor to her growing network of
apprentice networkers is the kind of relationship and
interaction in which women excel.

CHAPTER 18 Choose Wisely The Business Of The 21st Century

If you like what you hear from the initial presentation,
take some time to actually meet the people who do
the educating and training.

CHAPTER 19 What It Takes The Business Of The 21st Century

You Don’t Need to Be Rich or Take out a Second Mortgage on Your Home

You Don’t Need to Be a Genius at Negotiation or a Whiz at Numbers

Now let’s look at what it does take.

1.It Takes Being Honest with Yourself 

2.It Takes the Right Attitude

3.It Takes Real Growth

4.It Takes Time

5.The Five-Year Plan

6. Give Yourself Time to Unlearn, Too

7.It All Comes Down to Action

Ten thousand hours: Do the math. If you work eight hours
a day, five days a week, you hit the 10,000-hour mark
after five years of full-time effort.

In his book Outliers: The Story of Success, Malcolm Gladwell explains that to become outstandingly accomplished at anything, it takes about 10,000 hours of hard work. As a high-school kid, Bill Gates put in 10,000 hours of programming. When they were still just another unknown British band of wannabes, the Beatles played a nightclub in Hamburg, seven hours a day, seven days a week—and put in about 10,000 hours.

CHAPTER 20 Living the Life The Business Of The 21st Century

What makes you rich? Most people would answer, “Money, of course!” And they would be wrong. Having money does not make you rich, because you can always lose money. Owning real estate does not make you truly rich, because (as we have seen dramatically in the last few years) real estate can always lose value. So what makes you rich? Knowledge.

It is not real estate, gold, stocks, hard work, or money that
makes you rich; it is what you know about real estate, gold,
stocks, hard work, and money that makes you rich. Ultimately,
it is your financial intelligence that makes you rich.

My Golden Lesson By Robert Toru Kiyosaki

1) Knowing How to Make More Money

2) Knowing How to Protect Your Money

3) Knowing How to Budget Your Money

4) Knowing How to Leverage Your Money

Ants, Grasshoppers, and Human Beings Earlier

 I mentioned the fable of the ant and the grasshopper. We all grew up with this idea that there are two ways to live: You can live like the good, modest, industrious, and frugal ant and sock away crumbs for the future, or, like the irresponsible and spendthrift grasshopper, dance and fiddle away the days without a thought of the future.

CHAPTER 21 The Business of the 21st Century The Business Of The 21st Century

By its very nature and design, network marketing
is a strikingly fair, democratic, socially responsible
system of generating wealth.

One reason I have such strong respect for network marketing is that it is a genuine equal-opportunity business. Network marketing casts a very wide net. When you look closely at the more than sixty million people worldwide who are engaged in the business, you’ll find people of every color and creed, every age group, and every level of background, experience, and skill. This also makes it the business of the future. In the 21st century, we are realizing as never before that wealth, as I said earlier, is not a zero-sum game. It’s not a question of some of us prospering by holding others down. The future of genuine wealth lies in pioneering ways of doing business that elevate the financial well-being of humanity. Those are my personal business values, and network marketing shares those values. And championing those values not only feels good—it’s also good business.

It is time that people all over the world had an equal opportunity to enjoy a rich and abundant life, rather than spend their lives working hard only to make the rich richer. It’s time you had that opportunity. Welcome to the 21st century.