12/14/2025
6 Investing Rules Most People Learn Too Late
People keep asking me,
“Robert, what’s the safest way to invest right now?”
That question tells me everything I need to know.
Because the biggest risk today isn’t the investment.
It’s the lack of financial education.
Let me explain.
RULE #1: A Job Is the Riskiest Asset You Own
Schools teach you to get a job.
Governments tax you for having one.
Inflation eats what’s left.
Jobs are disappearing.
AI is accelerating that process.
And taxes will only go higher — because someone has to pay for the world’s exploding debt.
Yet people still think a paycheck equals security.
It doesn’t.
RULE #2: Savers Are the Biggest Losers
Banks pay you 1–2%.
Inflation takes 5–8%.
That’s not saving.
That’s guaranteed loss.
Holding cash long-term in a world of money printing is not conservative — it’s dangerous.
RULE #3: Debt Is Not the Enemy — Ignorance Is
Most people are told, “Get out of debt.”
The rich are told something very different:
Learn how to use debt.
There’s a reason the wealthy use leverage to buy real estate and businesses:
- Debt creates cash flow
- Debt reduces taxes
- Debt amplifies returns
But only if you understand what you’re doing.
Debt without education destroys people.
Debt with education builds empires.
RULE #4: There Are 3 Types of Income — Only One Makes You Rich
Schools never teach this:
Earned income → taxed the most
Portfolio income → taxed when you sell
Passive income (cash flow) → taxed the least
The rich don’t fight over tax rates.
They structure their income so they legally pay less.
That’s not unfair.
That’s education.
RULE #5: Risk Isn’t the Investment — It’s YOU
People say,
“Real estate is risky.”
“Business is risky.”
“Debt is risky.”
No.
The uneducated investor is risky.
Blindly handing money to Wall Street, trusting pensions, ETFs, or retirement accounts you don’t understand — that’s real risk.
If you can’t read a financial statement, you’re gambling, not investing.
RULE #6: Focus on the Asset Column — Not the Income Column
Most people chase raises.
The rich chase assets.
Once you understand this shift, everything changes:
Instead of asking,
“How do I make more money?”
You ask,
“How do I acquire assets that produce money?”
That’s the difference between working forever…
and making work optional.
The world doesn’t reward obedience anymore.
It rewards:
- Financial intelligence
- Ownership
- Cash flow
- Education outside the classroom
And that’s why I say:
School teaches you how to be an employee.
Financial education teaches you how to be free.
I break all 6 of these rules down in detail in the video.
The link is in the comments.
Watch it — especially if the old advice no longer feels safe.
Because in a world of fake money, fake teachers, and fake assets…
Financial education is the only real protection you have.
