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Free Kindle eBook - Rich Dad, Poor Dad by Robert Kiyosaki @ Amazon AU

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Free Kindle eBook - Rich Dad, Poor Dad by Robert Kiyosaki @ Amazon AUAffiliate
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bobcrankypants on 02/06/2019 - 09:02 amazon.com.au (6097 clicks)
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It says the author is Cullen Coby but I've downloaded it and flipped through it and as far as I can tell, it's the real book. No idea who Cullen Coby is.

Product Description
Robert’s definition of the “Rat Race”

"If you look at the life of the average-educated, hard-working person, there is a similar path. The child is born and goes to school. The proud parents are excited because the child excels, gets fair to good grades, and is accepted into a college. The child graduates, maybe goes on to graduate school and then does exactly as programmed: looks for a safe, secure job or career. The child finds that job, maybe as a doctor or a lawyer, or joins the Army or works for the government. Generally, the child begins to make money, credit cards start to arrive in mass, and the shopping begins, if it already hasn't.

"Having money to burn, the child goes to places where other young people just like them hang out, and they meet people, they date, and sometimes they get married. Life is wonderful now, because today, both men and women work. Two incomes are bliss. They feel successful, their future is bright, and they decide to buy a house, a car, a television, take vacations and have children. The happy bundle arrives. The demand for cash is enormous. The happy couple decides that their careers are vitally important and begin to work harder, seeking promotions and raises. The raises come, and so does another child and the need for a bigger house. They work harder, become better employees, even more dedicated. They go back to school to get more specialized skills so they can earn more money. Maybe they take a second job. Their incomes go up, but so does the tax bracket they're in and the real estate taxes on their new large home, and their Social Security taxes, and all the other taxes. They get their large paycheck and wonder where all the money went. They buy some mutual funds and buy groceries with their credit card. The children reach 5 or 6 years of age, and the need to save for college increases as well as the need to save for their retirement…

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  • S2 on 02/06/2019 - 09:11
    +23

    I feel wealthier just having this in my collection. Just waiting for the riches to roll in now.

  • ihbh on 02/06/2019 - 09:18
    +79

    Note that a lot of the material in this book is horsesh*t. RK comes from an MLM background, virtually owns no real estate and purports to be an expert in it. Also a lot of crap about investing in commodities.

    Unsophisticated people will say wow I learnt to not work for someone else, etc. Unless you're capable, it's not so easy; if you are, there is nothing new.

    He makes money selling and upselling crap courses to unsophisticated people. Period.

    • Ahan on 02/06/2019 - 09:24
      -6

      This book is worth a read. The authors personal agenda kind of deviates after this book. So no need to read other books or take any of the courses.

    • OverBought on 02/06/2019 - 09:36
      +12

      Totally agree. I had an ex who was selling Usana, and all she spruiked was RK said this and RK said that.

      Then it was Jim Rohn this and Jim Rohn that.
      Then it was Tony Robbins this and Tony Robbins that.
      Authors' names start to turn to turd when they are associated with the stench that is MLM.

      I had to spend thousands on my ex to fake it till she made it. She never did. And I bailed soon after coz she started being brainwashed into going to their raise-your-hands-and-sing cult conventions.

      • mini2 on 02/06/2019 - 10:13
        +17

        Met someone who sells Usana and reckons it cures cancer. Got pretty offended when I asked them what's the difference between you and Belle Gibson. I lol'ed at their reaction.

        • DaTa on 02/06/2019 - 17:24
          +2

          I had an ex gf who started selling it and screamed at me because I didn't buy it saying I'll get cancer and things like true health true wealth…. we broke up shortly after that.

      • Splashtash on 02/06/2019 - 13:46

        ALso agree. Rich Dad, Poor Dad is an exceptional read but after that… sounds like so much bs. I hope I never turn into that if I become someone of a hit XD

    • mini2 on 02/06/2019 - 10:11

      You could probably say the same thing about people of his ilk.

    • jas2u on 02/06/2019 - 10:59
      +2

      Agree. Waste of time, energy, & money.

      • Budju on 02/06/2019 - 21:53

        It's free

        • ripprind on 06/06/2019 - 13:44

          Time=money 🙂

          • Budju on 06/06/2019 - 17:26

            @ripprind: Should have just written money, energy and money then. Or is energy = money too?

    • jason101 on 02/06/2019 - 11:04
      +17

      I came from a relatively peasant background and now have a reasonably good lifestyle, in some part thanks to reading this book when I was 20-25 or so. Its not so much the content or specific words of the book, but the way it opens a "poor" persons mind to the possibilities of what is achievable.

      • [Deactivated] on 02/06/2019 - 13:42
        +4

        I came from a very poor background and am doing pretty well right now. I’ve never relied on any self-help guide. I just worked my backside off at school and Uni, took jobs that demanded I learn fast, then had marketable skills that employers want.

        So I don’t think there’s a strong correlation between self-help guides and success.

        It’s all about attitude. Some people read self-help guides because they’re hungry to improve themselves. That’s a good attitude and they’ll do well if they don’t end up as paid-up members of a MLM cult. But they’d probably be better to read a less “exciting” book on budgeting if they’re just after tips to escape financial traps.

        But many, many others are just looking for a shortcut and for easy answers to complex questions. They’re the ones these self-help gurus actively harm.

        • chumpychops on 02/06/2019 - 20:46
          +2

          Your mentality is work harder….. get rich in the long run but rarely strike gold early.
          RK's books "open" your mind to working smarter not harder - at least that was my take. I was similar to Jason101 and became self employed a lot earlier than I would otherwise have.

    • profeeder55 on 02/06/2019 - 14:14

      That's really good insight

    • Thiefsie on 02/06/2019 - 19:17

      I tend to agree, but I'm a person with some sort of knowledge of money and investing so I seem to fit your description. Sadly I believe you're spot on. The unwashed masses will be wowed and everyone else will be where's the meat?? Not a patch on the barefoot investor book even, and much less interesting to boot.

    • Ozsaver88 on 02/06/2019 - 23:58

      Can't say it better, totally agree.

    • Ti-au on 03/06/2019 - 00:12

      virtually owns no real estate

      Now he doesn't - sold it to hedge funds chasing yield. And yes this happens in America (they buy estates and bundle them to sell to institutional investors - insurance Co's).
      Before that MC Companies used to construct (I think) and then manage them (until they got sold as HF ran mgmt for more fees).
      They also owned a commercial property that had triple net lease, leased to a listed fitness company (Nautilus or Planet Fitness).
      This was around 2013-2015 (when US int rates were like 1%), I don't know anything from then. The reason why is that I had a mate who was pretty interested in this stuff and he used to tell me about it (I was interested esp. in regards to financing) - very entrepreneurial guy but then got married 2015, got a job, got a kid, etc and I kind of lost contact with him.

  • [Deactivated] on 02/06/2019 - 09:26
    +15

    Like many who claim they are successful in property and spruik themselves to fame…their financial situation/methods only work for themselves. Some have filed for bankruptcy as well.

    How “rich you are” is measured by how long can you support your lifestyle if your income stopped tomorrow. Cash is king! Work on this with respect to budgeting and balancing your financial goals. You only need around 40x - 50x your yearly spending to “retire”.

    Forgot all this investing in positively geared property rubbish - in this day and age, you will get yourself into a lot of debt before your can reap the rewards.

    As usual, I am not a financial planner and the above are my 2c worth.

    • minksta on 02/06/2019 - 11:44

      isn't about 20x yearly spending more than enough for modest retirement?

      • [Deactivated] on 02/06/2019 - 13:43

        It depends on how long you live.

    • Almost there on 02/06/2019 - 11:51

      Can't agree more, here are "Rich Dads" property investors stats from Australian ATO:

      In 2012-13:

      Over 1.9 million people earned rental income
Around 1.3 million of these reported a net rental loss
Nearly 70 per cent of people with negatively geared property had a taxable income of less than $80,000 per year

      https://treasury.gov.au/review/tax-white-paper/negative-gear…

      • [Deactivated] on 02/06/2019 - 13:15
        +1

        And that is part of why Labor lost. People earning under 80K and trying to make a go of their lives by investing in rental properties being treated as though they were rorting the system.

        • [Deactivated] on 02/06/2019 - 13:52
          +12

          Negative gearing was to be grandfathered. So existing investors would be fine.

          It would just affect those looking to get into the market. But if you’re looking to buy a new property, and it doesn’t make sense as an investment without hefty tax breaks, then it really isn’t a sensible choice (not to mention the lost tax revenue is disastrous for the country as it attempts to pay for the health costs of an ageing population).

          I mean, we have a crazy situation right now where there are people who haven’t even paid off their own home taking a second mortgage for an investment property, then hoping capital gains and tax breaks will offset the huge interest they’re paying on the loans, and the cost of upkeep on the properties.

          It’s just plain insane, and with property prices plateauing, it’s going to lose a lot of people a lot of money. But people want to get rich quick, rather than just saving steadily, so it’s attractive even if the sums don’t stack up.

          • AlexF on 02/06/2019 - 15:26
            +1

            @[Deactivated]:

            .. crazy situation right now where there are people who haven’t even paid off their own home taking a second mortgage for an investment property ..

            I know people who are renting in order to rent out their own home because the rort makes it profitable.

          • lostn on 02/06/2019 - 17:50
            +1

            @[Deactivated]:

            Negative gearing was to be grandfathered. So existing investors would be fine.

            It still did damage to the brand.

            They thought it sounded appealing. We hurt those rich people rorting the ATO with negative gearing. But in reality, a lot more lower income earners take advantage of negative gearing than do rich people. So they were hurting the lower and middle income folks who they claimed to be championing the cause of.

            I don't think they can bring this again to the next election.

            • [Deactivated] on 02/06/2019 - 18:04

              @lostn: "But in reality, a lot more lower income earners take advantage of negative gearing than do rich people."

              Statistically, that's false. Unless by "lower income earners" you mean people on $70-80k (i.e. those earning more than the median wage).

              • lostn on 02/06/2019 - 19:04

                @[Deactivated]:

                Statistically, that's false. Unless by "lower income earners" you mean people on $70-80k (i.e. those earning more than the median wage).

                I said lower and middle. If I say 'lower' as opposed to 'low', I mean 'lower than high' income earners.

                "So they were hurting the lower and middle income folks who they claimed to be championing the cause of."

                I do not consider 80k to be high income.

                • raymosaurus on 04/06/2019 - 09:40
                  +1

                  @lostn: To me, no matter what we're talking about, be it income or dick size, "lower" does not mean just less than "high", it means below average / below median. I bet I'm consistent with the average Aussie too (in opinion; not dick size).

                  • lostn on 04/06/2019 - 12:43

                    @raymosaurus:

                    To me, no matter what we're talking about, be it income or dick size, "lower" does not mean just less than "high", it means below average / below median.

                    We already have a word for that. Just use 'low' income instead of 'lower' if you want it to mean below median.

                    'Lower' means less than what you were previously talking about. Otherwise it has no meaning. Lower than what? Someone earning a million a year has a lower income compared to someone earning 1.5 million. And someone earning a billion a year has a lower income than Bill Gates.

                    I was talking about high income. And then I was talking about everything else, i.e. "not-high" income, which is lower than high income. Likewise, if I began with low income, then everything not low-income I would call higher income, as in higher than low.

                    Context is king. You and the average aussie are using words wrong if you're not providing something to compare it to.

                    The term 'lower' is a relative word. On its own, it means nothing. It has to be compared to something else before it in order to be called 'lower'.

          • [Deactivated] on 02/06/2019 - 17:57

            @[Deactivated]: Over the last 20 years, that strategy wasn't insane. It might be now, but in the past 20 years you would have been much better off with investing in other properties in addition to having a mortgage on your residence. Easy to prove.

            • [Deactivated] on 02/06/2019 - 18:02
              +1

              @[Deactivated]: Of course. It all depends on capital gains.

              It's hard to see how that strategy works any more. There's no more room for the market to rise unless wage growth takes off dramatically.

              • [Deactivated] on 02/06/2019 - 18:20

                @[Deactivated]: Not sure about the eastern states, but still a chance here in Adelaide for the right properties. Time is your friend!

        • AlexF on 02/06/2019 - 15:24

          .. treated as though they were rorting the system.

          no, they aren’t rorting the system, rather, the system is a rort.

          • [Deactivated] on 02/06/2019 - 16:05

            @AlexF: Others do nothing and wait for their pensions. Which sounds like a plan also. Cheers

        • downtime on 03/06/2019 - 12:00

          "People earning under 80K" are different from those with "a taxable income of less than $80,000 per year". Taxable income = employment earnings (way more than that) subtracting the net rental loss.

          Just stating facts, not a commment on policies. I have the same arrangement to try get to the 87K mark (plus/minus a few Ks), a tax rate threshold.

      • Ti-au on 02/06/2019 - 16:17

        First up just because you make a paper loss does not mean you made a real loss.

        Secondly you are ignoring peoples strategy. Some people may take a high loss (expensive property) now for high rents in the future, when they have no income from a job.
        Other people will use them to pay for aged care / nursing homes in the future (better alternative than savings account).

        Finally some people are distrustful of the stock market due to crashes and would prefer to invest in property.

      • brendanb on 03/06/2019 - 10:19

        When you say "had a taxable income of less than $80,000 per year", does that mean they reduced their taxable income to the magical $80K? They could have had much larger income but reduced it using negative gearing.

        • [Deactivated] on 03/06/2019 - 11:39

          No, it means they were already under 80K and roughly getting back a third of their losses on the rental property as they were in the second lowest tax bracket (aside from the zero bracket). Refund would typically be about $3000 and has done an amazing job of propping up the economy over the last 20 years. I get the impression that people categorising this as "rorts" usually have zero understanding of it.

          Worse yet, when I was advising a federal MP about it …. the MP also had no idea … yet voted to change laws about them …. go figure.

          I have no problem with banning negative gearing, as long as they don't tax me on rental profits in the future also.

    • Ti-au on 03/06/2019 - 00:46

      Cashflow is king? then the number is infinity.

      Also @5% Return you only need 20x your spend. You certainly don't need 50x (though it would be nice to have).

  • klownvandamn on 02/06/2019 - 09:33
    +27

    Rich Ozbargainer. Poor Ozbargainer. Coming soon!

    • slimjim on 02/06/2019 - 09:51
      +15

      Invest in Eneloop batteries

      • Splashtash on 02/06/2019 - 13:50
        +1

        He is on the right track…. tie it in with leggo and solar panels and i think u got urself a wining combination ;)
        a car made out of lego powered by eneloop batteries

    • Nitrous on 02/06/2019 - 10:09
      +5

      My suggestion is Ben & Jerry Ice Cream. Food, Pleasure & Income in one. Only issue is waiting for the Visa Pay cards to arrive, otherwise it’s a nearly perfect retirement plan.

      • gelf69 on 02/06/2019 - 18:49

        Whilst living on Dr. Oetker's Pizza

    • frewer on 02/06/2019 - 14:27
      +1

      Invest in BTC !

    • some_one_some_where on 07/06/2019 - 06:51

      Humm, you think you can be rich by being on OZB? Might not sell very well!

  • gimme on 02/06/2019 - 09:33
    +10

    Start with 1am free maccas deals and sky's the limit from there

  • RefusdClassification on 02/06/2019 - 09:37
    +2

    Murica Amazon link (also free): https://www.amazon.com/dp/B07S6J6ZMJ

  • cloudie9 on 02/06/2019 - 09:52
    +3

    I am poor whenever I am on OzBargain…

    • amuthan on 02/06/2019 - 10:03

      Not exactly mate. But don't let that thought continue. Best of luck!!

  • loku123 on 02/06/2019 - 10:01
    +13

    His company filed for bankruptcy back in 2012.

  • amuthan on 02/06/2019 - 10:03

    Great book!

  • thesaver on 02/06/2019 - 10:05

    Well you are not going to get rich giving away free books

    • mini2 on 02/06/2019 - 10:09
      +2

      Probably need this to help drive people to his courses/seminars and what not. I suspect the Barefoot Investor might've done some damage as well.

      • WhyAmICommenting on 02/06/2019 - 11:22

        Done some damage to RK by being so successful selling barefoot books?

      • Ti-au on 02/06/2019 - 16:19

        Actually my guess is that this is an illegal download hence the author - Cullen Coby
        Probably 1st/2nd page is an ad for what ever he is selling.

  • tessel on 02/06/2019 - 10:09

    My dad bought for me when I was a teen. Main things that I remember are $50k cars, despite what oz bargainers say, are not assets. Second, buy property on interest only, put what you would have paid in principal into bank stocks, then cash out shares once they rise and pay off property. I guess it would have worked.

    • Nitrous on 02/06/2019 - 10:10
      +2

      How did that work out for you? Seriously interested, your last statement makes me think you had doubts.

      • mini2 on 02/06/2019 - 10:16
        +2

        IO probably would've worked for a while as long as your end game is to ditch the property and reap the capital gain in a rising market or buy a dozen of them, hopefully over the years there's enough equity gained from them, sell the bulk off and use the remainder to pay off any you would want to keep. Then collect rent.

      • tessel on 02/06/2019 - 10:20
        +4

        It would have worked out perfectly but I didn't do any of what was in the book, mainly because debt to me is bad. I know there is good and bad debt but I'm not wired that way, at least not enough to risk a lot of money on it, like multiple investment properties etc. What chimed with me in the book is those $50k cars aren't hyip. The book definitely helped me, but not in the grand sense of being rich or poor.

    • abc on 02/06/2019 - 11:38
      +3

      Needs to be 80k investment car…

    • Diji1 on 02/06/2019 - 11:39

      Sorry Ozbargain but only fools believe cars are assets.

      • [Deactivated] on 02/06/2019 - 13:16
        +4

        Bought a Porsche 930 15 years ago. It has quadrupled in value. Choose wisely and you might be surprised.

  • dogboy on 02/06/2019 - 10:26
    +7

    Spoiler RKs way to become rich is to write a book about how you can become rich…

    • bargaino on 02/06/2019 - 10:59
      +7

      Send me $1, and I will tell you how to make easy money from home.

      • Vortex99 on 02/06/2019 - 15:38
        +2

        Send me another dollar, and I'll send you another page..

    • JIMB0 on 02/06/2019 - 13:01

      And sell that book to poor people who want to be rich.

    • DJR9000 on 03/06/2019 - 09:18

      And run expensive seminars for plebs who think there's just a secret they're missing to get mega wealthy

  • yaziyo on 02/06/2019 - 10:47
    +11

    This book is very well regarded but when I picked it up from the library recently I felt like I was reading Republican Party "pull yourselves up by the bootstraps" propaganda.

    The moral of the story is don't waste your money buying stupid shit (sorry OzBargain), and invest the difference.

  • bargaino on 02/06/2019 - 10:58
    +12

    No idea who Cullen Coby is.

    He is the guy who pulled a popular book off the torrents, uploaded it to Amazon, and is laughing at how it has not been removed yet.

  • tallkid123 on 02/06/2019 - 11:03
    +10

    I enjoyed RDPD but don't bother reading anything else by Kiyosaki because I can tell you it's essentially repeats of the following;

    A students work for C students (because education doesn't help you get rich)
    Buy assets, not liabilities
    If you're not a business owner with minions, you're still poor
    MLM is great, especially when it's your business model
    Marry a pretty blonde and promote her too to make more money
    Collaborate with a future president
    Ignore bankruptcy

  • poohduck on 02/06/2019 - 11:09

    Do these people actually do anything real?

    • Typical16-bitEnjoyer on 02/06/2019 - 11:28
      +1

      Want to be rich and piss off all your friends and family? Become a "life coach"

    • Diji1 on 02/06/2019 - 11:44

      Supposedly Anthony Robbins actually does what he preaches.

      Then again, Joe Rogan is the first person to call himself an idiot … and that's my source for that :D

    • Diji1 on 02/06/2019 - 11:44

      da fack i keep double posting without double posting.

      • Gandalf the Thrifty on 02/06/2019 - 12:34
        +1

        You read Rich commenter, poor commenter

        Enhance chances for most posted comments for month by double posting

  • ak2270 on 02/06/2019 - 11:39
    +2

    Just so that you all know: all the companies that this guy has done business as, have gone bankrupt. The last one was in 2012.

    • muncan on 02/06/2019 - 12:01

      ouch

  • RubenM on 02/06/2019 - 11:47

    The author is a bit of a dick and I disagree with a fair bit of what he says, but the rest is very helpful. He uses great anecdotes (that often seem derogatory to his father) to show how to invest in yourself and make money. If you know that you want to become wealthy but have no idea where to start, this is the book for you!

    • [Deactivated] on 02/06/2019 - 13:58

      If you want to get wealthy and don’t know where to start, get an engineering degree, then a good job, then a small affordable house and save as much as you can while you pay off your mortgage and then build up a nest egg.

      Once you have a bit of money saved up from your well-paying job and frugal living, invest it in a diversified portfolio and watch it compound.

      Voila. With just 30 years of hard work and saving, you’re a man of independent means and can even afford some luxuries.

      • Ti-au on 02/06/2019 - 16:26

        Retire at 50?

        Just save half your household income and buy a property that you can juice up the rents somehow.

      • MITM on 02/06/2019 - 16:45
        +1

        You missed out get married, have kids - that’ll slow you down like a handbrake.

        • [Deactivated] on 02/06/2019 - 17:38

          The marriage bit is fine. An extra income makes up for any financial impact.

          But kids offer a very poor return on investment. It's hard to see how they financially stack up. They're one of those "luxury" items that everyone seems to go for, without doing a proper cost-benefit analysis.

  • Russ on 02/06/2019 - 12:01

    It says the author is Cullen Coby but I've downloaded it and flipped through it and as far as I can tell, it's the real book. No idea who Cullen Coby is.

    Probably just a fake name. It appears Kiyosaki periodically makes some of his books free, for a short time. This e-book is just a way of making his book available for free for a short time, without the "official" e-book ever being listed as free. He can pull this listing at any time.

    This e-book does appear to be legitimate: if you search Robert Kiyosaki on Amazon, then select "list by cheapest first", this book is at the top of the list. So Amazon are attributing it to Kiyosaki.

    According to reference #2 on the Wikipedia page for this book, it isn't the first time this book has been free: https://en.wikipedia.org/wiki/Rich_Dad_Poor_Dad

    On Kiyosaki's website, he's currently giving away "How to make money as a kid", but you'll have to supply an email-address to get it: www.richdad.com

    • Wonderfool on 02/06/2019 - 12:10
      +1

      Yeah, I got RDPD book for free too a decade ago, by supplying my email. I think I've learned more about how to get rich by seeing his email than actually reading his book lol.

      As a wise man once said, If you want to get rich, you start a religion. Get people to pay for your stories lol.

  • Twodogs on 02/06/2019 - 12:20
    +1

    Look if you want to get rich either become a successful criminal or a politician , politician is a combination of both and a lot safer and if you get caught stealing just claim you thought it was an expense and do the tony abbott. https://bit.ly/2KsIHqr

    Ps i was surprised bill shorten didnt blame the russians for the election loss :-)

  • longhaul84 on 02/06/2019 - 13:01
    -3

    Rubbish.

    • steve84 on 02/06/2019 - 13:37
      -3

      Not a reason for neg check voting guidelines

  • Mahalo on 02/06/2019 - 13:09
    +3

    Good book. Won’t help everyone.

  • [Deactivated] on 02/06/2019 - 13:11
    +3

    Thanks for posting.

    Rich Dad,Poor Dad,Bankrupt Dad, I make money from Seminars Dad

    ..Nothing personel but this guy is BS, went bankrupt (try Google, here's one link if you can't be bothered https://thecollegeinvestor.com/4726/ultimate-hypocrite-rober…

      • [Deactivated] on 02/06/2019 - 13:56
        +5

        Thanks Ive considered your opinion. Neg stays. Mods can remove if they want.

        • spiff on 02/06/2019 - 14:59
          -7

          Waaaa I don't like this product even though it's got nothing to do with whether it's a bargain or not. neg that'll show em

          Seriously?

          • lostn on 02/06/2019 - 17:46
            +3

            @spiff: If a book gives bad, useless or impractical advice, it can do harm to you or at best just waste your time, and that is a worthy reason for a neg.

            For example, someone writes a book advising not to immunize your children because it will give them autism (even though the science does not support this claim), but the book is a free kindle ebook. Is that a bargain or neg worthy?

  • 1Kenobi on 02/06/2019 - 13:42

    Can you recommend a good book for finances or investment?

    • tarken on 02/06/2019 - 14:16
      +7

      Read richest man in Babylon and think and grow rich.

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