"The Cashflow Quadrant," a conceptual tool that aims to describe how all the money in the world is earned as quoted by Robert Kiyosaki. In each of the four groups there is a letter representing a way in which an individual may earn income:

E-Employee: Works for a system, gets paid what the job is worth, not what the person is worth. The wages are usually just below the inflation rate to keep the employee loyal to their job.

S-Self-employed: The owner is the system and the income is up to the person's own efforts. Some businesses that are seasonal are sometimes one of the worst in terms of income stability. There are peaks and valleys when it comes to generating income to keep the business afloat.

B-Business Owner: The system works for you and income is generated even if you're not there. The income potential here is exponential after the the small investment has been recovered.

I-Investor: The money works for you and passive income can be generated. The price of having financial intelligence in this quadrant requires that there be knowledge as well as money in which to succeed at this. This can be the most uncomfortable as most people are uneducated by how this part of economics work.

In summary, the person in the ‘E’ quadrant looks for security. The people in the ‘S’ quadrant are the ‘do it yourself’ category. For this group, money is not the most important. They value their independence, the freedom to do things their way, and to be respected as experts in their field. The person in the ‘B’ quadrant like to surround themselves with smart people from all four categories E,S,B,I. The true motto of a ‘B’ is ‘why do it yourself when you can hire someone to do it for you’. People in the ‘I’ quadrant (Investor) make money with money. They do not have to work because their money is working for them. 95% of the working population are on the left side of the quadrant(E & S), sharing 5% of the wealth. However, 5% of the population are on the right side(B & I), sharing 95% of the wealth.

Most of you all out there fall under the E & S quadrant right? I don't care if you are in the left quadrant in the past but you can make a change in your mindset to move to the right quadrant in the future. How? You can start by shifting your resources(money) and contribute it in the I quadrant. Why I, not B? Simple! Because the I quadrant gives you financial freedom!! Why not let your money work for you?