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{{Merge from|Robert T Kiyosaki|date=Juni 2024}}
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{{Infobox Person
|name = Robert Kiyosaki
|image = Robert Kiyosaki 2006.jpg
|caption = Kiyosaki in 2006.
|200px
|image_size = 336 x 283
|caption =
|birth_date = {{birth date and age|1947|044|088}}
|birth_place = [[Hilo, Hawaii]], [[Amerika Serikat]]
|death_date =
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|spouse = Kim Kiyosaki
|children = }}
'''Robert Toru Kiyosaki''' ({{lahirmati||8|4|1947}}) adalah seorang [[investor]], [[usahawan]], [[penulis]] dan [[motivator]]. Kiyosaki menjadi terkenal karena buku yang ditulisnya berjudul ''[[Rich Dad, Poor Dad]]''. Buku ini merupakan bagian dari seri buku-buku dan material lain tentang motivasi. Ia telah menulis 15 buku yang secara akumulatif telah terjual lebih dari 26 juta buah.<ref name=autogenerated1>[http://abcnews.go.com/2020/story?id=1982669&page=1 ABC News: Who Wants to Be an Entrepreneur?]</ref> Meski ia memulai penerbitan bukunya dengan menerbitkan sendiri, buku-bukunya kemudian diterbitkan oleh [[Warner Bros.|Warner Books]], sebuah divisi dari [[Hachette Book Group|Hachette Book Group USA]], penerbit buku yang cukup terkenal di [[Amerika Serikat]]. Pada saat ini, buku-buku barunya diterbitkan oleh perusahaan penerbitan miliknya yaitu "the Rich Dad Press imprint". Tiga dari bukunya yaitu ''Rich Dad Poor Dad'', ''Rich Dad's CASHFLOW Quadrant'', dan ''Rich Dad's Guide to Investing'', telah menjadi 10 buku terlaris secara berkesinambungan di ''[[The Wall Street Journal]]'', ''[[USA Today]]'' serta ''[[New York Times]]''. Buku ''Rich Kid Smart Kid'' yang diterbitkan pada 2001, diterbitkan dengan maksud membantu orangtuaorang tua merancangkan keuangan bagi anaknya. Dia telah membuat tiga macam papan permainan "CashflowCash flow" berikut perangkat lunaknya, baik bagi anak-anak maupun dewasa. Ia juga memiliki kaset dan piringan magnetik kompak bagi seri "Rich Dad"-nya. Selain itu ia juga menerbitkan buletin bulanan. <ref>{{factCite web|datetitle=OctoberRobert 2009Kiyosaki|url=https://www.tribunnewswiki.com/2022/01/05/robert-kiyosaki|website=Tribunnewswiki.com|language=id-ID|access-date=2022-11-11}}</ref>
 
== Kehidupan Pribadi ==
<!-- [[Kim Kiyosaki]] redirects here; update redirect if section title changes -->
Sebuah generasi keempat Amerika [[Jepang-Amerika]], Robert Kiyosaki dilahirkan dan dibesarkan di HawaiiHawai. Dia adalah putra dari almarhum pendidik Ralph H. Kiyosaki (1919-1991). Setelah lulus dari Hilo High School, ia memasuki US Merchant Marine Academy di [[New York]], lulus pada tahun 1969 sebagai perwira dek. Dia kemudian bertugas di Korps [[Marinir]] sebagai pilot [[helikopter tempur]] selama [[Perang Vietnamvietnam]], di mana ia dianugerahi Medali Angkatan Udara.
 
Kiyosaki keluar dari Korps [[Marinir]] pada tahun 1974 dan mendapat pekerjaan menjual mesin fotokopi untuk Xerox Corporation. Pada tahun 1977, Kiyosaki memulai sebuah perusahaan yang memperkenalkan dompet "surfer" berbahan nilon dan Velcro untuk pertamakalinyapertama kalinya kepada pasar . Perusahaan ini cukup berhasil pada awalnya tapi akhirnya bangkrut. Pada awal 1980-an, Kiyosaki memulai bisnis T-shirt berlisensi untuk [[Heavy metal]] band rock. Sekitar 1996-1997 ia meluncurkan CashflowCASHFLOW Technologies, Inc yang mengoperasikan dan memiliki merk dagang Rich Dad (dan Cashflow) brand.
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{{fact|date=October 2009}}
 
== Keluarga ==
Ia menikah dengan Kim Kiyosaki. Memiliki seorang saudara kandung perempuan, Emi Kiyosaki, seorangyang pendetamenjadi [[Tibetan BuddhistBhikkhuni]] [[BhikkhuniBuddhisme di Tibet|nunBuddha Tibet]] dan dikenal dengan nama Ven. Tenzin Kacho.<ref>[http://www.amazon.com/Rich-Brother-Sister-Robert-Kiyosaki/dp/1593154933 Amazon.com: "Rich Brother Rich Sister" by Robert and Emi Kiyosaki]</ref>
 
== Pengajaran ==
Sebagian besar dari ajaran-ajaran Kiyosaki fokus pada menghasilkan [[pendapatan pasif]] dengan cara [[investasi]] peluang, seperti [[real estate]] dan [[bisnis]], dengan tujuan untuk bisa mendukung diri sendiri hanya dari investasi semacam itu. Sejalan dengan hal ini, Kiyosaki mendefinisikan "[[aset]]" sebagai hal-hal yang menghasilkan cash inflow, seperti sewa properti atau bisnis-dan "[[kewajiban]]" sebagai hal-hal yang menggunakan uang tunai, seperti rumah, mobil, dan begitu di. Kiyosaki juga berpendapat bahwa keuangan [[peningkatan | leverage (keuangan)]] sangat penting untuk menjadi kaya.
 
Kiyosaki menekankan apa yang disebutnya "melek keuangan" sebagai sarana untuk mendapatkan kekayaan. Dia mengatakan bahwa kecakapan hidup seringkalisering kali paling baik dipelajari melalui pengalaman dan bahwa ada pelajaran penting yang tidak diajarkan di sekolah. Dia mengatakan bahwa pendidikan formal terutama bagi mereka yang ingin menjadi karyawan atau wiraswasta, dan bahwa ini adalah sebuah ide "[[Era Industri]]." Dan menurut Kiyosaki, dalam rangka untuk memperoleh kebebasan finansial, seseorang harus menjadi pemilik bisnis atau investor, guna menghasilkan pendapatan pasif.
 
Kiyosaki berbicara sering dari apa yang ia sebut "The Cashflow Quadrant," alat konseptual yang bertujuan untuk menggambarkan bagaimana semua uang di dunia diperoleh. Digambarkan dalam sebuah diagram, konsep ini mensyaratkan empat kelompok, dibagi dengan dua garis (satu vertikal dan satu horisontal). Pada masing-masing empat kelompok ada surat yang mewakili sebuah cara di mana seorang individu mungkin memperoleh pendapatan. Huruf adalah sebagai berikut.
* '' 'E:''' [[Employee]] atau [[Karyawan, pegawai negeri]] - Bekerja untuk orang lain.
* '' 'S:''' [[Self-employed]] atau [[Smallkaryawan Businessprofesional |seperti Pemilikdokter, Bisnispengacara, Kecilakuntan,dan pekerja seks]] - Di mana seseorang memiliki pekerjaan sendiri dan menjadi boskeahlian bagisetingkat diridiatas sendiriemployee.
* '' 'B:''' [[Big Business | (Boss)owner]] Pemilik Bisnis Besar seperti pimpinan perusahaan]] - Di mana seseorang memiliki sebuah "sistem" untuk membuat uang, bukan pekerjaan untuk menghasilkan uang.
* '' 'I:''' [[Investor]] - Menginvestasikan atau menanamkan uang pada suatu bidang yang menghasilkan pemasukan lebih besar.
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== Buku-buku ==
Kiyosaki terkenal karena bukunya ''[[Rich Dad, Poor Dad ]] '', # 1''New York Times bestseller''. Diikuti dengan ''Kiyosaki Rich Dad's CASHFLOW Quadrant''dan''Rich Dad's Guide to Investing''. Ia sekarang memiliki setidaknya selusin buku yang telah diterbitkan. Daftar sebagian buku-bukunya sudah termasuk di bawah ini.
 
;''Rich Dad, Poor Dad''
Pada mulanya buku-bukunya diterbitkan sendiri sebelum meledak secara komersial sebagai buku [[best seller]], konsep utama ''[[Rich Dad, Poor Dad]]'' adalah sebuah anekdot perbandingan dari "dua ayah"-nya. "Ayah miskin" adalah ayah biologis, yang menjadi [[Inspektur (pendidikan) | Superintendent]] dari Departemen PendidikanNegara Bagian Hawaii tapi sangat sedikit memiliki [[kekayaan bersih]] yang nyata. Kontras dengan hal ini adalah (dibilang fiktif, lihat "Kritik dan kontroversi" bagian dari artikel ini) "ayah kaya" pendukung [[keuntungan pajak | keuntungan pajak]] investasi kendaraan, seperti [[real estate]] atau [[bisnis ]] es, daripada kepemilikan [[keamanan (keuangan) | efek]]. ((Kenyataan | date =)) Oktober 2009 Gagasan ini dikembangkan lebih lanjut dalam buku-bukunya selanjutnya. ''Ayah Kaya'' Kiyosaki menjadi [[merek dagang]] untuk berbagai usaha penerbitan.
''[[Rich Dad, Poor Dad]]'' (''Ayah Kaya, Ayah Miskin'') adalah buku yang membahas masalah finansial yang dihadapi banyak orang dikarenakan ajaran keliru orang tua mereka mengenai keuangan, yang juga dialaminya semasa kecil dan remaja. Ayah yang mengajarkan pengetahuan finansial di dalam buku ini disebut ''Ayah Miskin'' ("Poor Dad") dan ''Ayah Kaya'' ("Rich Dad"). Ayah Miskin yang dimaksudkan oleh Robert adalah ayah kandungnya sendiri yang ia bandingkan dengan ayah temannya yang ia sebut sebagai Ayah Kaya. Ayah kandung Robert adalah seorang guru yang berpendidikan tinggi yang selalu menekankan anak-anaknya untuk giat bersekolah supaya bisa mendapatkan nilai yang bagus di sekolah dan pekerjaan yang terjamin di masa mendatang. Dengan kata lain Ayah Miskin menyarankan agar anaknya menjadi pegawai yang berpenghasilan tinggi, namun tetap bergantung kepada gaji sepanjang hidupnya. Namun berbeda dengan saran Ayah Kaya yang tidak berpendidikan tinggi namun mengajarkan agar anak-anaknya untuk mengambil risiko membangun usaha dan menjadi investor setelah mereka lulus sekolah. Kedua ayah ini disebutkan telah memberikan pengaruh yang besar terhadap kehidupannya yang sekarang, karena dengan ajaran Ayah Kaya, ia bisa berhasil dalam bidang finansial, dan dengan pengaruh ayah kandungnya yang merupakan seorang pendidik terkenal, Robert bisa menjadi pengajar banyak orang mengenai pendidikan ekonomi yang ia ciptakan. Buku Rich Dad Poor Dad saat ini telah diterjemahkan dalam 35 bahasa.
 
;''Cashflow Quadrant: Rich Dad's Guide to Financial Freedom (2000)''
''Cashflow Quadrant'''' adalah investasi keuangan pribadi dan buku yang ditulis dengan [[Sharon Lechter]], [[Certified Public AccountantAkuntan publik| BPACPA]] sebagai sekuel''Rich Dad, Poor Dad''. Di dalamnya, Kiyosaki membahas apa yang dia sebut kuadran arus kas: kotak yang terdiri dari huruf "E", "S", "B", dan "I." Kuadran arus kas itu sendiri hanya sebuah alat ilustratif untuk menunjukkan perbedaan antara Karyawan, Wiraswasta / Pemilik Bisnis Kecil, Bisnis pemilik (tidak secara langsung terlibat dalam sehari-hari operasi perusahaan), dan Investor. Kiyosaki membahas perbedaan antara konsep dan ide-ide karakteristik dari masing-masing kuadran, khususnya saat mereka berhubungan dengan [[pendapatan pasif]] dan [[pajak keuntungan]].
 
;''Rich Dad's Guide to Investing: What the Rich Invest in, That the Poor and the Middle Class Do Not!'' (2000)
''Rich Dad's Guide to Investing''memberikan pembaca sebuah peta jalan untuk menjadi Ultimate Investor, tipe orang yang menggunakan uang orang lain untuk menciptakan investasi yang orang ingin membelinya. Sementara dua buku pertama menggunakan stroke luas, yang satu ini masuk ke dalam jauh lebih detail tentang benar-benar menerapkan beberapa strategi yang dibahas.
 
;''Rich Kid, Smart Kid'' (2001)
''Rich Kid, Smart Kid''adalah menceritakan kembali dari pandangan Kiyosaki, padat dan diklarifikasi untuk mencoba dan membantu orang tua lebih memahami dan mengajar anak-anak mereka kunci konsep keuangan. Ini mencakup serangkaian kegiatan yang dapat dilakukan orangtuaorang tua dengan anak mereka untuk membuat mereka menyadari properti, keuangan dan berbagai cara dan tempat bisnis menghasilkan uang.
 
;''Rich Dad's Prophecy'' (2002)
''Rich Dad's Prophecy''memprediksi bahwa pasar akan mengalami [[keruntuhan Ekonomi]] sekitar 2016 ketika generasi tertua [[Baby Boomers]] mulai menguangkan rencana mereka [[401 (k)]]. Individu yang memiliki [[tabungan]]di dalam skema ke 401 (k) yang terencana akan menderita karena ini [[skema rencana pensiun]] ini ternyata tidak fleksibel dan tidak dapat bertahan dalam kondisi pasar yang sedang menurun [[bear market]]. <Refref name = "Kiyosaki Mania "> ((cite web | author = Leslie Haggin Geary | title = Kiyosaki mania | url = http://money.cnn.com/2002/10/23/pf/saving/q_kiyosaki/|work%7Cwork = | publisher = [[ CNN Money]] | date = 30 Oktober 2002 | accessdate = 8 Oktober 2009)) </ref>
 
;''Why We Want You To Be Rich, ditulis bersama Donald Trump'' (2007)
Why We Want You To Be Rich atau Mengapa Kami Ingin Anda Untuk Menjadi Kaya adalah sebuah buku yang ditulis oleh Robert Kiyosaki dan [[Donald Trump]]. Mendorong individu untuk menjadi melek finansial di era mendatang untuk memerangi masalah yang dihadapi [[Amerika Serikat]], seperti penyusutan kelas menengah dan hak mentalitas. <ref>{{Cite [Httpweb |url=http://www.whywewantyoutoberich.com/ |title=Mengapa Kami Ingin Anda untuk menjadi kaya < |access-date=2009-11-03 |archive-date=2009-12-12 |archive-url=https://web.archive.org/web/20091212051431/http://www.whywewantyoutoberich.com/ |dead-url=yes }}</ref>
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== Buku-buku Lain ==
*''If You Want to be Rich & Happy, Don't go to School'' (1992)
*''The Business School for People Who Like Helping People'' (2001) - endorses [[multi-level marketing]].
*''Retire Young, Retire Rich'' (2001)
*''Rich Dad's The Business School'' (2003)
*''Who Took My Money'' (2004)
*''Rich Dad, Poor Dad for Teens'' (2004)
*''Before You Quit Your Job'' (2005)
*''Rich Dad's Escape from the Rat Race - Comic for children'' (2005)
*''Rich Dad's Increase Your Financial IQ: Get Smarter with Your Money'' (2008)
*''Rich Dad's Conspiracy of the Rich: The 8 New Rules of Money'' (2009 &ndash; [http://www.conspiracyoftherich.com/ free online edition])
 
* ''If You Want to be Rich & Happy, Don't go to School'' (1992)
==Didactic games==
* ''The Business School for People Who Like Helping People'' (2001) - endorses [[multi-level marketing]].
Kiyosaki stresses the value of games, particularly ''[[Monopoly (game)|Monopoly]]'', as tools for learning basic financial strategies such as "trade four green houses for one red hotel." Kiyosaki has created several games to reinforce the information in his books.
* ''Retire Young, Retire Rich'' (2001)
* ''Rich Dad's The Business School'' (2003)
* ''Who Took My Money'' (2004)
* ''Rich Dad, Poor Dad for Teens'' (2004)
* ''Before You Quit Your Job'' (2005)
* ''Rich Dad's Escape from the Rat Race - Comic for children'' (2005)
* ''Rich Dad's Increase Your Financial IQ: Get Smarter with Your Money'' (2008)
* ''Rich Dad's Conspiracy of the Rich: The 8 New Rules of Money'' (2009 – [http://www.conspiracyoftherich.com/ free online edition] {{Webarchive|url=https://web.archive.org/web/20091110130240/http://www.conspiracyoftherich.com/ |date=2009-11-10 }})
 
== Sebagian Bibliografi ==
;Cashflow 101
{{Main|Cashflow 101}}
"Cashflow 101" is a [[board game]] designed by Kiyosaki, which aims to teach the players concepts of [[investing]] and making [[money]], it costs $195.
 
* ''If You Want to Be Rich & Happy: Don't Go to School?: Ensuring Lifetime Security for Yourself and Your Children'' (1992). ISBN 0-944031-38-2.
There are two stages to the game. In the first, "the [[rat race]]", the player aims to raise his or her character's [[passive income]] level to where it exceeds the character's [[expense]]s through a variety of investment options. The winner is determined in the second stage, "the fast track." To win, a player must get his character to buy his "dream" or accumulate $50,000 in monthly [[cash flow]].
* ''Rich Dad, Poor Dad - What the Rich Teach Their Kids About Money - That the Poor and Middle Class Do Not!'' (first published in 1997), by Robert Kiyosaki & Sharon L. Lechter. Warner Business Books. ISBN 0-446-67745-0.
* ''Cashflow Quadrant: Rich Dad's Guide to Financial Freedom'' (2000). ISBN 0-446-67747-7.
* ''Rich Dad's Guide to Investing: What the Rich Invest in, That the Poor and the Middle Class Do Not!'' (2000). ISBN 0-446-67746-9.
* ''Rich Dad's Rich Kid, Smart Kid: Giving Your Children a Financial Headstart'' (2001). ISBN 0-446-67748-5.
* ''Rich Dad's Retire Young, Retire Rich'' (2002). ISBN 0-446-67843-0.
* ''Rich Dad's Prophecy: Why the Biggest Stock Market Crash in History Is Still Coming… and How You Can Prepare Yourself and Profit from It!'' (October, 2002). Warner Books, Incorporated. ISBN 0-641-62241-4.
* ''You Can Choose to be Rich'' (2003) 12-CD Audio series with booklet.
* ''Rich Dad's Before You Quit Your Job: 10 Real-Life Lessons Every Entrepreneur Should Know About Building a Multimillion-Dollar Business'' (2005). ISBN 0-446-69637-4.
 
== Pengaruhnya di Indonesia ==
The game forces the players to do the accounts by themselves. In place of "score cards", there are [[financial statements]]. Therefore, players can see more clearly what is happening with their money. It generally shows how assets generate incomes and liabilities and 'doodads' affect expenses.
 
Robert Kiyosaki memberikan paradigma baru bagi dunia intelektual, bisnis dan [[Sumber Daya Manusia]] di Indonesia. Ia memberikan pemahaman yang bagi banyak kalangan cukup menyentak, yaitu bahwa mencari uang bisa dilakukan dengan sejumlah cara selain menjadi pegawai. Empat kuadrannya memberikan gambaran jelas bagaimana uang bisa diperoleh. Kiyosaki juga memberikan inspirasi pada munculnya profesi baru di Indonesia: [[Motivator]].
Basic strategies involved in this game are: buying and selling stocks, Cashflow, Appreciation, and leverage.
 
== Catatan kaki ==
;Cashflow 202
{{reflist|2}}
"[[Cashflow 202]]" is a more advanced game than Cashflow 101. It is designed to help players learn about more sophisticated investing strategies. Cashflow 101 was generally meant to teach investing techniques that would work best in an "up market" where property values steadily increase, whereas Cashflow 202 is supposed to teach investment strategies for a fluctuating market where property values depreciate as well as rise.
 
== Referensi ==
Strategies involved in this game are: Call, Put, and Short options on stocks, 1031 Real Estate Exchanges, and immediate capital gains vs. longer-term investments.
 
;Cashflow for Kids
"Cashflow for Kids" is basically a children's version of Cashflow 101, good for ages 5 through 9. There is also a Cashflow for Kids e-game available for free.<ref>[http://www.richkidsmartkid.com RichKidSmartKid.com - Give your children a financial head start!<!-- Bot generated title -->]</ref>
 
;Cashflow The E-Game
"Cashflow The E-Game" is a computer software version of the Cashflow 101 [[board game]]. It is not necessary to have the board game in order to play the computer game.
 
;Cashflow 202 The E-Game
"Cashflow 202 The E-Game" is a software expansion of the computer game "Cashflow The E-Game." Its counterpart is the "Cashflow 202" [[board game]] described earlier in this article.
 
==Serial Rich Dad Advisor==
Serial The Rich Dad Advisor Series serial buku yang ditulis dalam topik-topik bisnis yang berbeda. Buku-buku ini lebih teknis mengingat sifatnya yang ditulis oleh pengacara, akuntan, dan profesional lain. Buku-buku dalam serial ini termasuk:
 
*How to Buy and Sell a Business: How You Can Win in the Business Quadrant
*Protecting Your #1 Asset : Creating Fortunes from Your Ideas : An Intellectual Property Handbook
*Sales Dogs : You Do Not Have to Be an Attack Dog to Be Successful in Sales
*Real Estate Riches: How to Become Rich Using Your Banker's Money
*Loopholes of the Rich: How the Rich Legally Make More Money and Pay Less Tax
*Real Estate Loopholes: Secrets of Successful Real Estate Investing
*Rich Dad's Real Estate Advantages: Tax and Legal Secrets of Successful Real Estate Investors
*Own Your Own Corporation: Why the Rich Own Their Own Companies and Everyone Else Works for Them
 
===Audio/visual===
Ini adalah daftar singkat dari audio/visual (seperti kaset and DVD) yang telah diluncurkan. Hampir semua buku Kiyosaki telah pula diterbitkan dalam bentuk audio:
*Rich Dad's Conspiracy of the Rich - The 8 New Rules of Money
*Rich Dad's Secrets To Money
*You Can Choose To Be Rich: "Think It" "Learn It" "Do It"
*Rich Dad's Roads To Riches: 6 Steps to Becoming a Successful Real Estate Investor
*How To Increase The Income From Your Real Estate Investments
*How To: Find ''and Keep'' Good Tenants (Audio)
*How To: Find Great Investments (Audio)
*How To: Get Your Banker To Say "Yes! (Audio)
 
==Rich Dad Education==
=== Real Estate ===
Kiyosaki has brought a 50% partnership with Wealth Intelligence Academy to help promote real estate systems {{Citation needed|date=June 2009}}
 
=== Stocks ===
Kiyosaki has used his brand for a training company to teach about making money in the stock market {{Citation needed|date=June 2009}}
 
==Appearances==
===PBS===
Several local stations of the [[Public Broadcasting Service]] (PBS), including [[WTTW]] of [[Chicago]], [[KAET]] of [[Phoenix, Arizona|Phoenix]], [[KOCE]] of [[Orange County, California]], [[WLIW]] of the New York/New Jersey area, and [[WGBH-TV|WGBH]] of [[Boston]], have featured Kiyosaki during fund-raising drives. During this television special, ''Rich Dad's Guide to Wealth with Robert Kiyosaki'', he provides viewers with what he calls "financial education", as opposed to academic or professional education.
 
===News===
Kiyosaki has been seen giving financial advice on various network television news channels.
 
===New York City's Madison Square Garden (October, 2002)===
This speech was the subject of a CNN story.<ref name = "Kiyosaki Mania"/>
 
==Financial advice==
===Mutual funds===
Kiyosaki wrote in one column that investors in any mutual fund with a 2.5% annual fee would, over a long time period, surrender 80% of the earnings to the fund.<ref>{{cite web |author= Robert Kiyosaki|title= Why Mutual Funds Are Lousy Long-Term Investments|url= http://finance.yahoo.com/columnist/article/richricher/6720|work= |publisher= Yahoo!|date= June 26, 2006|accessdate=October 8, 2009}}</ref> Kiyosaki expanded on his criticism of mutual funds in another column by stating they are for "losers."<ref>{{cite web |author= Robert Kiyosaki|title= Lying is Easy, Wealth Takes Work|url= http://finance.yahoo.com/columnist/article/richricher/9262|work= |publisher= |date= September 1, 2006|accessdate=October 8, 2009}}</ref> He has drawn much criticism for comparing investing in mutual funds to playing the lottery, and for discouraging 401(k) investing, contrary to the advice of most professional financial advisers.<ref>{{cite web |author= Robert Kiyosaki|title= Playing the Mutual Fund Lottery|url= http://finance.yahoo.com/expert/article/richricher/30687|work= |publisher= Yahoo!|date= April 30, 2007|accessdate=October 8, 2009}}</ref> In contrast to these statements, Kiyosaki wrote in his book ''Prophecy'' that mutual funds are not bad investments, but are risky investments for those that are not financially educated.
 
Kiyosaki's view is supported by the founder of mutual fund [[Vanguard mutual fund|Vanguard]], [[John Bogle|John C. Bogle]]. In a ''[[Frontline (U.S. TV series)|Frontline]]'' episode titled "401(k)s: The New Retirement Plan, For Better or Worse", Bogle stated that management fees and trading costs gobble up approximately 2.5% of an investor's annual returns and approximately 80% of an investor's long term gains. He says management costs reduce the value of a $1,000 investment over 65 years from approximately $140,000 at 8% compounded annually to a mere $30,000 at 5.5% compounded annually. Bogle's solution is to utilize [[index fund]]s, which charge as little as 0.09%, to substantially reduce or eliminate management fees.<ref>[http://www.pbs.org/wgbh/pages/frontline/retirement/world/401k.html FRONTLINE: can you afford to retire?: changing world: 401(k)s: the new retirement plan, for better or worse | PBS<!-- Bot generated title -->]</ref><ref>[https://personal.vanguard.com/us/FundsSnapshot?FundId=0085&FundIntExt=INT Overview Total Stock Market Index Fund]</ref><ref>[https://personal.vanguard.com/us/funds/snapshot?FundId=0585&FundIntExt=INT Overview Total Stock Market Fund Admiral Shares]</ref>
 
==Criticism and controversy==
Kiyosaki's books and teachings have been criticized for focusing on anecdotes and containing little in the way of concrete advice on how readers should proceed.<ref>[http://www.bizjournals.com/pacific/stories/2003/07/14/story3.html?page=1 Writer ignores critics of his self-help success - Pacific Business News (Honolulu):<!-- Bot generated title -->]</ref> Kiyosaki responds that his material is meant to be more of a motivational tool to get readers thinking about money, rather than a step by step guide to wealth. He also says the books are supposed to be "interesting" to people, which precludes involving a lot of technical material.<ref>[http://www.woopidoo.com/reviews/books/robert-kiyosaki/rich-dad-poor-dad.htm Rich Dad, Poor Dad by Robert Kiyosaki<!-- Bot generated title -->]</ref>
 
Even some of the facts he has offered directly have been questioned. For example, on September 19, 2006, Kiyosaki wrote in a Yahoo Finance article that the [[NYMEX]] is an exchange where "… [[pork bellies]],… are traded."<ref>{{cite web |author= Robert Kiyosaki|title= Only the Rich Survive|url= http://finance.yahoo.com/columnist/article/richricher/9775|work= |publisher= Yahoo!|date= September 18, 2006|accessdate=October 8, 2009}}</ref> In reality, pork bellies are not traded on the New York Mercantile Exchange,<ref>[http://www.nymex.com/intro.aspx NYMEX.com: An Introduction to the Exchange<!-- Bot generated title -->]</ref> rather they are traded on the [[Chicago Mercantile Exchange]].
 
ABC ran a 20/20 segment on May 19, 2006 in which Kiyosaki was to advise three entrepreneurs on how to make money. They were given $1000 and 20 days to try and make the most money possible. At the end, after mediocre results, the contestants alleged that Kiyosaki never gave concrete advice. "All he [Kiyosaki] does is, I guess, is open your mind to the possibility. He doesn't tell you how to do it." Kiyosaki responds by saying that failure is important to learn. At the end, 20/20 asks, "Does anyone really need 18 books to learn to fail?"<ref name=autogenerated1 />
 
The [[Wall Street Journal]] harshly criticised ''Why We Want You To Be Rich'' by Kiyosaki and Trump<ref>{{cite web |author= Jonathan Clements|title= Rich Men, Poor Advice: Their Book Is Hot, But Their Financial Tips Aren't|url= http://online.wsj.com/article/SB116052181216688592.html?mod=money_page_left_hs|work= |publisher= [[The Wall Street Journal]]|date= October 11, 2006|accessdate=October 8, 2009}}</ref> as did [[Kiplinger's Personal Finance]]<ref>{{cite web |author= Kiplinger's Personal Finance|title= They say they want you to be rich|url= http://articles.moneycentral.msn.com/SavingandDebt/Advice/TheyWantYouToBeRich.aspx?GT1=8690&wa=wsignin1.0|work= |publisher= MSN Money|date= |accessdate=October 8, 2009}}</ref>
 
==Sebagian Bibliografi==
*''If You Want to Be Rich & Happy: Don't Go to School? : Ensuring Lifetime Security for Yourself and Your Children'' (1992). ISBN 0-944031-38-2.
*''Rich Dad, Poor Dad - What the Rich Teach Their Kids About Money - That the Poor and Middle Class Do Not!'' (first published in 1997), by Robert Kiyosaki & Sharon L. Lechter. Warner Business Books. ISBN 0-446-67745-0.
*''Cashflow Quadrant: Rich Dad's Guide to Financial Freedom'' (2000). ISBN 0-446-67747-7.
*''Rich Dad's Guide to Investing: What the Rich Invest in, That the Poor and the Middle Class Do Not!'' (2000). ISBN 0-446-67746-9.
*''Rich Dad's Rich Kid, Smart Kid: Giving Your Children a Financial Headstart'' (2001). ISBN 0-446-67748-5.
*''Rich Dad's Retire Young, Retire Rich'' (2002). ISBN 0-446-67843-0.
*''Rich Dad's Prophecy: Why the Biggest Stock Market Crash in History Is Still Coming… and How You Can Prepare Yourself and Profit from It!'' (October, 2002). Warner Books, Incorporated. ISBN 0-641-62241-4.
*''You Can Choose to be Rich'' (2003) 12-CD Audio series with booklet.
*''Rich Dad's Before You Quit Your Job : 10 Real-Life Lessons Every Entrepreneur Should Know About Building a Multimillion-Dollar Business'' (2005). ISBN 0-446-69637-4.
 
==Catatan Kaki==
{{reflist|2}}
 
==Referensi==
{{refbegin}}
* {{cite news |first=Peter |last=Carbonara |authorlink= |coauthors=Joan Caplin |title=Poor Man's Prophet Robert Kiyosaki, author of Rich Dad, Poor Dad says that everything you've been told about money is a lie. Is his vision setting us on the right track--or is it just more financial snake oil?
|url=http://money.cnn.com/magazines/moneymag/moneymag_archive/2003/01/01/334706/index.htm |work=MONEY Magazine |publisher= |date=January 1, 2003 |accessdate=2008-07-28 }}
{{refend}}
 
== Pranala Luarluar ==
 
*[http://www.richdad.com Robert Kiyosaki's official website]
* [http://www.richdad.com Robert Kiyosaki's official website]
*[http://richwoman.com RichWoman.Com] Sister site to RichDad.com, For Women
* [http://richkidsmartkidrichwoman.com RichKidSmartKidRichWoman.comCom] Official{{Webarchive|url=https://web.archive.org/web/20111115084959/http://www.richwoman.com/ site|date=2011-11-15 connected}} Sister site to RichDad.com, For kidsWomen
* [http://richkidsmartkid.com RichKidSmartKid.com] Official site connected to RichDad.com, For kids
*[http://finance.yahoo.com/columnist/archives/headline/richricher/2006/1 Yahoo! Finance] Robert Kiyosaki biography and archive of articles
* [http://finance.yahoo.com/columnist/archives/headline/richricher/2006/1 Yahoo! Finance] Robert Kiyosaki biography and archive of articles
*[http://www.hawaiibusiness.com/Hawaii-Business/June-2002/Robert-Kiyosaki/ ''Hawaii Business Magazine'' June 2002 cover story on Kiyosaki]
* [http://www.hawaiibusiness.com/Hawaii-Business/June-2002/Robert-Kiyosaki/ ''Hawaii Business Magazine'' June 2002 cover story on Kiyosaki] {{Webarchive|url=https://web.archive.org/web/20091208054214/http://www.hawaiibusiness.com/Hawaii-Business/June-2002/Robert-Kiyosaki/ |date=2009-12-08 }}
*[http://www.thesimpledollar.com/2007/04/07/review-rich-dad-poor-dad/ Detailed summary of "Rich Dad, Poor Dad"]
* [http://www.thesimpledollar.com/2007/04/07/review-rich-dad-poor-dad/ Detailed summary of "Rich Dad, Poor Dad"] {{Webarchive|url=https://web.archive.org/web/20091201020151/http://www.thesimpledollar.com/2007/04/07/review-rich-dad-poor-dad/ |date=2009-12-01 }}
*[http://www.bargaineering.com/articles/review-financial-iq-by-robert-kiyosaki.html Review of "Increase Your Financial IQ"]
* [http://www.johntreedbargaineering.com/Kiyosakiarticles/review-financial-iq-by-robert-kiyosaki.html John T. Reed's extensive criticismReview of Kiyosaki"Increase andYour hisFinancial booksIQ"]
* [http://www.thesimpledollarjohntreed.com/2007/01/26/deconstructing-robert-kiyosaki/Kiyosaki.html DeconstructingJohn RobertT. Reed's extensive criticism of Kiyosaki and his books]
* [http://www.thesimpledollar.com/2007/01/26/deconstructing-robert-kiyosaki/ Deconstructing Robert Kiyosaki] {{Webarchive|url=https://web.archive.org/web/20091028081104/http://www.thesimpledollar.com/2007/01/26/deconstructing-robert-kiyosaki/ |date=2009-10-28 }}
* (fr) [http://esprit-riche.com/robert-t-kiyosaki-un-maitre-a-penser/ Analyse de Robert T. Kiyosaki : un maître à penser ?]
* (fr) [http://conspiracyoftherichesprit-riche.Com]com/robert-t-kiyosaki-un-maitre-a-penser/ BlogAnalyse ofde Robert T. Kiyosaki: un maître à penser ?]
* [http://conspiracyoftherich.Com] {{Webarchive|url=https://web.archive.org/web/20160319161230/http://www.conspiracyoftherich.com/ |date=2016-03-19 }} Blog of Robert Kiyosaki
{{Robert Kiyosaki}}
 
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