1. Invest for maximum returns and minimize taxes
Kiyosaki suggests prioritizing investments with maximum returns and low tax burdens. That means he opts for alternative assets and specific tax-shielded accounts, like IRAs.
Real estate
In Kiyosaki’s words, “The more debt you have, the more real estate you can buy and the less tax you pay."
For those interested in diversification through commercial properties, First National Realty Partners (FNRP) provides accredited investors with access to necessity-based commercial real estate investments with a minimum investment of $50,000.
As a private equity firm, FNRP acts as the deal leader and offers white-glove service to investors. The team handles all the legwork for you, from the vetting and buying of properties to the leasing and management details.
The firm then distributes its positive cash flows quarterly to investors, so you can increase your income without the hassle of buying and selling property.
But if you don’t have thousands of dollars to invest right now, you can still benefit from this hot market with a small budget.
With Arrived, investors of all income levels can access SEC-qualified rentals and vacation homes with flexible investment amounts.
Simply browse their curated selection of homes, choose shares, and start benefiting from the income and appreciation potential for as little as $100.
Gold
Kiyosaki is also a proponent of alternative assets like gold. He openly shares that he owns gold as a hedge against economic downturns.
Unlike fiat currency, the precious metal cannot be printed in unlimited quantities by central banks, and its value is not tied to a single economy or currency. These traits make gold a favored “safe haven” asset, particularly during times of economic uncertainty.
Investors seem to be taking note. So far in 2025, the price of gold has surged, surpassing $2,900 per ounce.
Opting for a gold IRA gives you the opportunity to hedge against market volatility by allowing you to invest directly in physical precious metals rather than stocks and bonds.
If you’d like to convert an existing IRA into a gold IRA, companies typically offer 100% free rollover. Others might offer free gold, silver or other metals up to a certain amount when you make a qualifying purchase.
You can check out our top picks for industry-leading companies offering gold IRAs.
Compare offers instantly and request a free information guide to help you understand how to diversify your portfolio and secure your retirement fund.
Crypto
Kiyosaki certainly isn’t shy about his love for digital currencies, famously sharing on X that he has lofty aspirations of owning 100 Bitcoin (he currently owns 76.)
Now would be a pretty good time to own all of those coins, given its price has continued to hit all-time-highs above $90,000 in the past few weeks. Though, it’s an inherently volatile investment – and it’s consistently ebbing and flowing. So, you want to be sure you can stomach that level of volatility and risk before investing in crypto like Kiyosaki does.
You can join the club through Robinhood Crypto. You can buy and sell crypto for as little as $1 without any trading fees or commissions.
What’s more — you can get up to a 1% deposit match on all crypto deposits and transfers.
Robinhood Crypto has the lowest trading cost (on average) in the U.S.. This means you could get up to 3.6% more crypto if you trade through Robinhood Crypto.
2. Use a team of experts
Another way Kiyosaki differs from other financial commentators is that he argues accountants, tax experts, and even attorneys can be key to minimizing taxes. He unapologetically believes that "If you're a coward and you're afraid of the IRS, then you're middle class and poor."
His advice might rub you the wrong way, but there's something to be said for seeking a professional’s opinion on your finances. After all, it’s a lot harder to see the forest for the trees when it’s your money. And professional financial advisors can play a crucial role in helping you zoom out and make the best plans for your future.
Advisor.com is a free service that helps you find a financial advisor who can shed light on the path to reach your financial goals. By providing you with a short list of personalized matches, Advisor.com allows you to feel confident that you’re getting the right advice for your risk tolerance and income level.
Set up a free, no-obligation consultation with a pre-screened advisor to begin your new plan for financial freedom.
3. Don’t be afraid of debt
In an interview with Forbes, Kiyosaki said, “If you’re gonna go into debt to invest in real estate, find the best rate.”
With interest rates falling, finding a better rate should be easier than it was last year. A quick and efficient way to check out the rates available is the Mortgage Research Center (MRC). The platform can help you easily compare rates and estimated monthly payments from multiple vetted lenders.
All you have to do is enter some basic information about yourself, including your ZIP code, desired property type, price range, and annual income.
Based on the information you provide, MRC will show you mortgage offers tailored to your needs so you can shop for a loan with confidence.
After you match with a desired lender, set up a free, no-obligation consultation to see if you’ve found the right fit.
