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Robert Kiyosaki and Cashflow, the Web Game

If you have ever started your own business or taken a class on wealth creation, you have most likely heard the name of Robert Kiyosaki. Always following the advice of his “Rich Dad”, Robert never depended on a weekly paycheck to survive. He has always been a business builder, and now he’s willing to teach others how become financially independent through building businesses of their own!

If you have been a consistent reader of this website, you know that I have often spoken of getting out of debt and saving money. Now that I am getting closer to ridding myself free from my debts, my thoughts are beginning to shift. I no longer think so much about the month to month savings; I think more about creating wealth in the future. “How will I invest?” I often ask myself. “Will I invest in the stock market like so many of my peers? Or maybe my wife and I will start our own business to support our future together.” With these thoughts swirling in my head, I have been much more open to learning new systems and strategies from the wealthy.

Mr. Kiyosaki had created a board game quite a few years ago; it taught many families how to get out of the “Rat Race” of life. The game received rave reviews, but because each game cost about $150, I could never bring myself to buy it. Recently though, this game has been released online…and it’s FREE! All you have to do is register with your name and email, no credit card is necessary.

I decided to play the game last night. It is possible to play with up to 6 online friends (which actually sounds pretty fun), but since it was merely a test of the game, I decided to play it solo and was accompanied by a computer player.

My profession was a police officer and my income was $3,000 per month. The initial set up was pretty realistic actually. I had a home mortgage, credit card debt, and monthly expenses; and, of course, my passive income started at $0.

It was go-time. I rolled the dice and began the game. With each turn, I moved around the board and received varying messages, depending on which type of square I landed on. Doodads, Opportunity, Pay Check, and Market; these are the types of squares I found myself landing on very early in the game.

As I progressed through the game, I incurred a few more expenses (such as having children and being downsized by my company), but these were often offset by the investment opportunities I grabbed hold of. Slowly, I began to see my Passive Income grow and grow until finally, I was on the Fast Track and creating wealth like never before!

I encourage you to play this Cashflow game. It is found on the RichDad website and is featured in the middle of the page. Just put in some registration information and you’ll be on your way.

As much as I loved the game, I do have a few problems with it. By the time I had played the game for about 30 minutes, I was on the fast track to success, mainly because my passive income exceeded my expenses. In order to do this though, I needed to incur a lot of debt because I didn’t have the cash to fund all of these investments. I was on the fast track all right, but I also had over $300,000 in debts!

This game is great for changing your mindset, but please do not follow the model precisely. No one should have to go into debt in order to get on the fast-track. If at any point, one of the investments incurs a large expense, you could easily get behind in the debt payments and find yourself losing it all. Stick with cash, but teach yourself to keep your eyes open for that next investment opportunity. I hope this Cashflow game will teach you to do just that.



My name is Derek, and I have my Bachelors Degree in Finance from Grand Valley State University. After graduation, I was not able to find a job that fully utilized my degree, but I still had a passion for Finance! So, I decided to focus my passion in the stock market. I studied Cash Flows, Balance Sheets, and Income Statements, put some money into the market and saw a good return on my investment. As satisfying as this was, I still felt that something was missing. I have a passion for Finance, but I also have a passion for people. If you have a willingness to learn, I will continue to teach.


  1. The point of Mr. Kiyosaki’s game is that all debt is not bad. By applying debt as leverage for cashflowing investments instead of doodads you can increase your cashflow with other peoples’ money. The income offsets the expense of the debt.

    Not incurring debt or being creative with financing is not the point of the game. If you try to do what he suggests without leveraging, it would take 100 years to “save” enough to make it work. Especially since you’d be fighting inflation as you save.

    • That is a good comment, and I don’t think all debt is bad, but one must have some good reserves in the event that something goes wrong. I enjoy Kiyosaki’s teachings – I’m actually reading one of his books regarding real estate right now! 🙂

  2. Yes, I totally agree with what you said. I also think that no one should have to go into debt in order to get on the fast-track. I think that it is very important for us to avoid debts. Thanks for sharing this article.

    • I understand a little bit of business debt in the early years, but not hundreds of thousands of dollars, and certainly not millions!! It’s just too risky and not worth it in the end. Thanks for the comment, DF!

  3. Yes, I agree with what you said. I also think that no one should have to go into debt in order to get on the fast-track. I think that we should avoid debt to avoid financial problems. Thanks for sharing this article.

    • Agreed! Thanks for the comment!

  4. Thanks for sharing this article.This game is very interesting.I think that I need it in order for me to have a good money management.

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