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Why Investing Is So Hard To Get Started

I get why investing is so hard to get started for most people.

I remember being there too. But, more than that, I get that often when people are taught, even by great teachers like Robert Kiyosaki, Donald Trump, Robert Allen – whomever they like – is very simplistic. The great teachers teach the mile-high view. They have to. If you’re teaching a world full of people, you can’t teach at the micro-level. It doesn’t apply to everyone.

Also, it’s an enormous leap to go from the learning phase, the mile-high view, to actually doing it when you get the microscope-detailed view. The conversation goes from excitement and detached desire to build wealth to obligation and money going out the door, not in, just to get started.

My “ property Investment Cebu Guide” is geared at just the US. Much of it simply won’t apply to the rest of the world – their laws and their economy. But it was written to address the questions I get every day from real world investors just learning and getting started. There’s really so many facets to investing, I want the lay-person to be able to get started with access to the detailed questions.

How Does “Rich Dad” Define Cash Flow?

Author Robert Kiyosaki, inspiration to many people, often speaks of cash flow. He says that if a property is negatively cash flowing, how many of them can you afford? And if a property is positively cash flowing how many of those can you afford? What he doesn’t allude to until later in his series of books is how he defines “cash flow”.

In his book “Rich Dad’s Prophecy” Kiyosaki actually defines what he means by the term ‘cash flow’. He says there are 4 quadrants to cash flow: rental income, tax deductions, depreciation and appreciation. The only problem with the definition is for some of the newer investors. Many new investors are only focusing on the first quadrant: rental income. All too many get scared right out of the game because they don’t take into account the other 3 quadrants, and that’s where most of your money in real estate will be, not in rental income!

Sure, I have properties that cash flow a couple hundred a month. such as 38 park avenue in cebu I also have properties that negatively cash flow a couple hundred a month. The real money is how much I save at tax time and the value of the appreciating real estate. If my properties all had a slow year, they may only appreciate $50,000 in that year. Compare that to the couple hundred here or there in rental income – no competition. Add another $25,000 depreciation (what Kiyosaki calls ‘phantom cash flow’) and thousands more from all the deductions, more likely tens of thousands. Based on that, do I worry much about monthly cash flow?