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Rich Dad Poor Dad author Robert Kiyosaki has a sobering take on one of today’s hottest trends: artificial intelligence (AI).
“BIGGEST CHANGE in MODERN HISTORY,” he declared in an X post on July 1. “AI will cause many ‘smart students’ to lose their jobs. AI will cause massive unemployment. Many still have student loan debt.”
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Kiyosaki isn’t alone in sounding the alarm. Dario Amodei, CEO of Anthropic — the AI company behind the large language model Claude — recently warned that AI could wipe out half of all entry-level white-collar jobs and push the unemployment rate as high as 20%.
But Kiyosaki isn’t worried about himself, quipping, “AI cannot fire me because I do not have a job.”
He went on to describe his own philosophy, recalling the contrasting advice he received from his poor dad and his rich dad.
“Years ago, rather than listen to my poor dad’s advice of ‘Go to school, get good grades, get a job, pay taxes, get out of debt, save money, and invest in a well diversified portfolio of stocks, bonds, and mutual funds,’ I followed my rich dad’s advice. I became an entrepreneur, investing in real estate, using debt, and instead of saving fake money, I have been saving real gold, silver, and today Bitcoin,” he wrote.
Let’s take a closer look at these suggestions.
From earned income to passive income
Kiyosaki’s story about rejecting his poor dad’s advice and following his rich dad’s instead highlights a simple choice: Rather than getting a traditional job, he became an entrepreneur and started investing in real estate — an asset known for generating passive income.
Once you build a reliable stream of passive income, you can worry less about AI replacing your job because you no longer rely solely on a paycheck.
Kiyosaki has frequently emphasized the importance of this approach. “I have always recommended people become entrepreneurs, at least a side hustle, and not need job security. Then invest in income-producing real estate, in a crash, which provides steady cash flow,” he wrote in an X post on May 19.
Real estate has long been a favored asset for income-focused investors. While stock markets can swing wildly on headlines, high-quality properties often continue to generate stable rental income.
Perhaps that’s why Kiyosaki once disclosed he owns 15,000 houses during an interview with personal finance YouTuber Sharan Hegde — strictly for investment purposes.
Today, you don’t need to be as wealthy as Kiyosaki to get started in real estate investing. Mogul is a real estate investment platform offering fractional ownership in blue-chip rental properties, which gives investors monthly rental income, real-time appreciation and tax benefits — without the need for a hefty down payment or 3 A.M. tenant calls.
Founded by former Goldman Sachs real estate investors, the team hand-picks the top 1% of single-family rental homes nationwide, guided by proprietary underwriting and market analytics typically used by large institutions.
Each property undergoes a vetting process, requiring a minimum 12% return even in downside scenarios. Across the board, the platform features an average annual IRR of 18.8%. Their cash-on-cash yields, meanwhile, average between 10 to 12% annually.
Every investment is secured by real assets, not dependent on the platform’s viability. Each property is held in a standalone Propco LLC, so investors own the property — not the platform. Blockchain-based fractionalization adds a layer of safety, ensuring a permanent, verifiable record of each stake.
Getting started is a quick and easy process. With a minimum investment of $250, you can sign up for an account and then browse available properties. Once you verify your information with their team, you can invest in the properties of your choice in as little as 30 seconds.
Turning to precious metals
Kiyosaki didn’t mince words about his disdain for fiat currency, stating that he saves in “real gold and silver” instead of what he calls “fake money.”
That’s no surprise — the famed author has been advocating for precious metals for decades.
In October 2023, he predicted on X: “Gold will soon break through $2,100 and then take off. You will wish you had bought gold below $2,000. Next stop, gold $3,700.”
Prices surged in 2024 and have continued to climb through 2025, surpassing $3,400 per ounce in late August. Reporting by JPMorgan Chase suggests that gold could strike a high of $4,000 per ounce by the second quarter of 2026, if current trends continue.
Amid growing market uncertainty, Kiyosaki now believes a crash is imminent, and he is betting on precious metals, among others, to come out on top.
“I’ve been buying real gold, silver, and Bitcoin…. Oil, and cattle….for years….Because I plan on getting richer during the coming crash and next Great Depression,” he wrote in a post on X on Aug. 7.
Gold has long been viewed as a safe-haven investment. It’s not tied to any one country, currency or economy. It can’t be printed out of thin air like fiat money, and investors tend to pile in during times of economic turmoil or geopolitical uncertainty — driving up its value.
One way to invest in gold that also provides significant tax advantages is to open a gold IRA with the help of Priority Gold.
Gold IRAs allow investors to hold physical gold or gold-related assets within a retirement account, which combines the tax advantages of an IRA with the protective benefits of investing in gold, making it an option for those looking to help shield their retirement funds against economic uncertainties.
When you make a qualifying purchase with Priority Gold, you can receive up to $10,000 in silver for free.
Read more: Here are 5 ‘must have’ items that Americans (almost) always overpay for — and very quickly regret. How many are hurting you?
Bitcoin
Kiyosaki said he also saves in Bitcoin — no surprise, given that he has long been a vocal supporter of the world’s largest cryptocurrency.
He recently described Bitcoin as “people’s money” and predicted it could soar to “$500K to $1 million.”
He’s not alone in that view. Twitter co-founder Jack Dorsey said in May 2024 that Bitcoin could hit “at least” $1 million by 2030 — and possibly go even higher.
The recent strides in the crypto industry — such as the passing of the GENIUS Act and President Trump paving the way for inclusion of crypto in retirement accounts — propelled Bitcoin to hit an all-time high of just over $120,000 on Aug. 13.
For those looking to hop on the Bitcoin bandwagon, new crypto platforms have made it easier for everyday investors.
If you’re looking to get into the crypto market, one well-known option is Robinhood Crypto. The platform allows users to buy and sell crypto with as little as $1, which gives you the space to find out if crypto is right for you.
Even better, Robinhood has the lowest trading cost on average in the U.S. — meaning you could get up to 1.9% more crypto compared to trading on other platforms.
Are you spending more than you need to?
While building passive income streams can help you prepare for the “biggest change” Kiyosaki warns about, it’s just as crucial to understand where your money goes each month. Try tracking all your expenses for 30 days, then sort them into two categories: necessities — like rent, groceries, utilities and health care — and discretionary spending, such as dining out, entertainment, shopping and hobbies.
This breakdown gives you a clear picture of your spending habits and helps identify areas where you can cut back. But trimming waste isn’t just about skipping lattes or takeout.
Even in essential categories, you may be spending more than you need to. The good news? With a bit of research, those costs can often be significantly reduced.
For instance, car insurance is a major recurring expense, and many people overpay without realizing it. According to Bankrate, the average cost of full-coverage car insurance is $2,679 per year (or $179 per month) as of August 2025.
However, rates can vary widely depending on your state, driving history and vehicle type, and you could be paying more than necessary.
By using OfficialCarInsurance.com, you can easily compare quotes from multiple insurers, such as Progressive, Allstate and GEICO, to ensure you’re getting the best deal.
In just two minutes, you could find rates as low as $29 per month.
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This article provides information only and should not be construed as advice. It is provided without warranty of any kind.