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He contrasts this with a rich person that puts their money into their asset column, eg real estate, stocks, bonds, intellectual property etc, and how those assets generate his income and return that goes into his asset column. Kiyosaki also advocates paying yourself first when you receive your paycheck.

When I was in school, I figured if I worked hard I would earn lots of money in the future and live a relatively comfortable life, debt-free and able to enjoy my life. Comfortable in the sense of being able to afford an apartment on my own and go on local holidays without checking my bank account if I have sufficient funds.