Where The Rich Actually Store Their Wealth (It's Not Stocks)

本站添加: 2026-05-22

[00:00:00]Where do the rich store their wealth?

[00:00:02]And what I want to do is I want to try to focus on, you know, what we could be doing. Not necessarily where we are right now, but what we should be doing, what we should be studying. So the first thing is these are the habits of the investment habits of the of the uh poor, the middle class, and the rich. So I'm going to call these investment habits.

[00:00:25]So what's happening right now is everybody's blaming everybody. People want to blame the government, they want to blame Trump, they want to blame the Republicans, they want to blame the Democrats, you know, and as long as you guys are going to continue to do that, you will not move forward. That's a fact. The the situation that we're all in is based on the choices that we've all made. Now, I do understand that some of us have advantages and some of us have been through different kinds of circumstances and some of us just are working really, really hard to get what we have and maybe we're working really hard and we're not getting what we have.

[00:01:01]And I just want to walk through these.

[00:01:03]These are talked about in the cash flow games. They're talked about in Rich Dad Poor Dad and they're talked in a number of books. And so the poor, what they do is they make their money and they basically spend expenses typically on rent. And u, you know, maybe they have some savings, they go on vacations, etc., etc. Nothing wrong with that, but that's typically the the the way that the poor are in uh are handling their money. Now, the middle class, what they typically do is they do the same stuff on the expense side. They buy liabilities like cars and and um boats and things like that uh over here and then they turn their money over to a wealth manager uh for or or they stick it in deposits, fixed deposits or retirement savings or wealth management.

[00:01:55]And that's kind of where the middle class is. And by the way, my definition of middle class, you know, that could be somebody that has millions of dollars, okay? I'm talking about rich. So, I'm not talking about people that have uh you know that have a lot of toys and stuff because that's exactly the pattern. It's not necessarily a good sustainable pattern um unless they have a good solid income. Um the rich do things very very very differently. So, they still have the expenses and the liabilities and all that stuff. Um but what they're doing is that they're investing in assets. And the definition of an asset is something that puts money in your pocket. So, um, Robert Kiasaki says, uh, and a lot of people have said that the rich don't work for money. And this is true. So, right now, I have 8,000 tenants paying rent, paying mortgages, and all our billing, paying all the expenses, paying all my employees, and all that stuff. And I have what's called passive income coming in. So, I'm not actually working for my money. it's already at work for me. It's called the velocity of money. And so this is kind of the pattern of um the middle class and this is the pattern for the rich. And so what I wanted to show here is that most middle class they go to work for a job and then they pay big taxes because the uh a sole proprietor or the employee is one of the biggest tax uh there can be. In fact, that is where most of the tax uh comes.

[00:03:30]Most of the businesses down here, like for me, I have things like depreciation and bonus depreciation and things that I can write off in my business legally to reduce my taxes significantly.

[00:03:44]And and typically the middle class are buying they're getting loans for things and they're paying those loans and they're the money's not coming back. So the difference between the rich and the middle class on the low side is right here here in this arrow. And basically the mo the money comes back as the rich um build businesses and they acquire new skills and they study and that's what we're going to talk about here is right here this studying piece. Um and then they invest in assets that come back like apartment buildings or office buildings or retail or whatever it is.

[00:04:20]Now this is complicated. This is hard to do, but the truth is if if you can if you can change your habits, then you're going to change your results. And if you don't change your habits, then you're not going to change your results. The best quote ever uh is Jim Ran. He says, "The formal education will make you a living." And it's true, but a self-education will make you a fortune. If you haven't studied Jim Ran, he's a great great person to study. And so what I'm going to walk you through is kind of some of the things that I've done from an education standpoint and also some of the things that you can do to just think differently about money and how you can end up on the other side of this crisis in a better situation. Um so the first thing that I want you to know is that um for a lot of people uh you know this self-education is a process. So what happens with education a lot of times it certainly happened with me when I got out of school you know I'm like okay I have all this knowledge even though it was knowledge from a book and not experience and practical knowledge I didn't really have world knowledge I didn't really have a self-education I had a formal education but I didn't have a self-education and I have um a lot of friends that have never even been to uh college that are very very very intelligent people and it's All because of self-education. But I don't know about you guys, but here's basically the story of my life. So, you know, first I get out of school and I get a job and it's not exactly what I want. And then I go get another job and it's not exactly what I want. Or I decided to start my own business. So then I started my own business. And then I had a partnership fallout. Um, and then I started my own another business.

[00:06:17]And then I had some relationship issues, you know, and then I I started another business and I started investing in things that I didn't understand and you know, on and on and on. And so I think a lot of you guys have very similar situations. But here's the thing. Here's where most people don't focus.

[00:06:38]They don't focus here. They don't focus when things are down. And that's where we're heading. And so what happens is I don't think my life is any different than anybody else's. I've had my shares of wins and I've had my shares of losses and I've had my shares of failures just like anybody. But the point is if you don't actually learn from these then you're going to be in big big trouble.

[00:07:02]Big trouble. And it's at these times if you could sit back and and take a look at exactly what are some of the behaviors and some of the habits that you've done then I guarantee you you can ride this next wave up because this education piece it is a process. You know there is inside of you a bigger you for sure. You just haven't seen it yet.

[00:07:29]And so what happens is a lot of people are scared. They're scared of failure.

[00:07:33]They're scared to ask questions. Maybe they're analyzing things too much and they never make a decision. Whatever it is, it's a process and you got to break free and free. And you just got to try things. You just got to take one step then the next step. Now, I'm not saying to be not prudent. You have to be prudent. You have to make the right decisions. You have to counsel. You have to watch videos like this. you have to watch other people's videos, even ones that have different opposing views of me, because that's all just good education. As long as you can just keep an open mind, um then you'll progress forward.

[00:08:10]So, um the biggest thing that I learned was that information versus transformation.

[00:08:19]So, information can be a lot of different things. And for a lot of people it's typically a formal education and but it isn't until the transformation kicks in which is you know the which is here at the bottoms that you actually learn. I can tell you from personal experience when I was in uh when I was making a lot of money and we were you know we were really killing it up in here. I wasn't learning a thing. In fact, and that's what we're all going through right now. Everybody's just made a lot of money. And what happens is you're not necessarily uh taking a big picture view about what could go wrong. And so that's the situation everybody's in. And they're fearful. They have uncertainty and they're angry, a lot of them, but it's their own issue. And I'm telling you guys, from a kid that grew up with nothing, from parents that never went to college and never even barely graduated from high school, I'm telling you that you can do this. I'm telling you, I grew up with parents that were uh just after the depression and you know, they couldn't afford anything and they couldn't and my mom used to say, "We can't afford this. We can't afford this.

[00:09:36]We can't afford this." Those are mindset issues. And so if you can transform those into how I can't afford to I can't afford, you'll be much much better off.

[00:09:48]Um, and so what I want to uh end on here before I jump to how the rich store their wealth is the difference between self-education, um, it lowers your risk and that's what we're trying to do. The more you know, the more books you read. Uh, as an example, here's some here's some books that I read in the last recession. I pulled these out for this video. The Great Reset, Boom, Bust, and Echo, Big Shifts Ahead. I bought these in 2009, 10 years ago, because I wanted to learn, okay, I just got hit in my stock portfolio. I just got hit in my real estate portfolio. What can I do? Uh, I don't have all the answers.

[00:10:37]But there's a lot of people that are very smart that can help you through this. And the more you ask, the more videos you watch, the more books you read, you're going to lower your risk, you're going to make better decisions going forward.

[00:10:51]So the question is that everybody's been asking is where does the wealth wealthy store their money and what should you study? Okay, so that's what we're going to talk about next. So, one of the great things that we do at Rich Dad is we study books. And one of the books that I studied was called Crash Course with Chris Martinson. And this guy is a genius where that there's three tiers of wealth. And I think you guys are going to learn a lot here because there's primary, secondary, and tertiary. Once I kind of lay this out for you, I can show you how there's kind of a herd mentality into the top tier, which is the most risky tier. Um, and so the three tiers of wealth, as Chris calls them, are primary, secondary, and tertiary. And so what I wanted to do here was just kind of walk through um so as far as an investment is concerned, you basically have choices. You could you could invest in the tertiary, you can invest in the secondary or you can invest in the primary. So let me walk through what those are. So the primary is land, oil, gold, uh timber, coal, water.

[00:12:25]So you get it. So those are primary. So these are what you could call natural resources. This is not where most people invest.

[00:12:35]So now I I like to put land in here because that's what landlord, you know, land is also uh even though the business is in the secondary category, um it really is um something that a lot of people store their wealth in. Land, oil, gold, timber, coal, water, etc. These are things, these are natural resources.

[00:12:56]These are all things that come from the earth. And now a word from our paid sponsor. Normally gold just sits there.

[00:13:02]You buy it, you store it, and it doesn't do anything unless the price goes up.

[00:13:05]Monetary metals works on a different idea. Instead of gold sitting idle, it can be leased much like a property or equipment through structured agreements.

[00:13:13]Certain businesses actually need physical gold to operate. So rather than buying it outright, they lease it for a period of time and pay a fee for using it, not from trading gold or predicting prices, but from gold being used productively through those leasing arrangements. Depending on structure and risk, some of these leases have historically paid yields with figures reporting up to around 4%. If all this sounds confusing, that's normal. Most people have never been taught how gold leasing works. If you already own gold and are thinking about it and want clarity, the best step is to simply book a call with the Monetary Medals team.

[00:13:48]Monetary Metals is a paid sponsor. This is a sponsor promotion and not financial investment advice. Gold leasing involves risk, including a potential loss of principle. Returns are not guaranteed.

[00:13:53]This is not an offer to buy or sell securities. Review all program details and risk disclosures at monetary-medals.com. If you want to learn more, you can go to monetary-medals.com/ken.

[00:14:02]Okay. Now, the interesting thing is the secondary tier, which is basically business.

[00:14:10]So, think about this. So, let's just talk about mobile oil. Mobile oil is a business and they extract oil into their business and their business is a functioning unit. Okay? Okay, it has income and it has expenses, but they're getting oil from someone. They're getting it from you. They're getting it from me. Or maybe it's land that they bought. Whatever it is, it's coming out of the ground. Okay. Same thing with Warehouser, let's say, for timber.

[00:14:39]Warehouser is based out of the Northwest. Um, they I know for a fact that they harvest timber off of other people's land and they have their own land. And so they're a business. They're a secondary business and they pull timber and then they turn it into lumber and then they sell it to the lumber stores which are also businesses. So that's there's a big big world of business but it all happens here in the primary sector. Um in fact there is no secondary without primary.

[00:15:25]So in other words there is no business unless it deres its resources from here.

[00:15:33]And this is where all wealth is created. So all wealth is created at the primary level if you think about it.

[00:15:50]The problem is is that a lot of people don't invest here. What they do is they invest here or they invest here. And so the the last piece at the top is paper.

[00:16:05]So we have natural resources, business and paper. And what do I mean by paper?

[00:16:10]I mean stock, I mean bonds, I mean ETFs, derivatives, and I'm even going to throw cash in here because I think right now cash is being printed so much it technically is paper.

[00:16:37]It's fiat money. And so what happens is it's an education issue. And so a lot of times what's going to happen is you're going to work hard and you're going to turn your money over and you're going to put it into this tertiary sector into this paper category and it's going to stay in stocks, bonds, ETFs, and derivatives. And I just want you to understand how far away you are from the actual source. Because if you're buying, let's say, a warehouser stock, you're buying a stock in the secondary and then the secondary has all kinds of contracts and excavation and things that they're doing from somebody that owns the timber. And so what you want to be, the wealthy invest here. They invest in the primary category. They invest in real timber. They invest. They invest in real land that has oil. In Texas, we were buying properties that had oil reserves near them. And we were cutting deals with oil and gas uh to drill vertically down under our properties.

[00:17:50]And we were getting residual income because we owned the land. and we had an apartment property on top of them. And so, not only were we making money from the rent of the property, but we were making money by cutting a deal with oil and gas companies because they were drilling down underneath and going vertically. And in some cases, they could go miles, but every property that they went under vertically, they had to cut a deal with. And so, we were getting re residuals based on their production.

[00:18:18]And so the problem is that most people what they do is they invest here. And this here guys, this is what the stock market in 1933 when it busted. This is the reason is because most of the wealth was stuck in the paper asset category.

[00:18:40]And so that's what's happening now is most people aren't educated enough where they turn their money over to a financial planner or a wealth manager and they're investing in here. And the biggest reason is because the people that are putting you into these categories um they get fees for doing it. It's very hard to invest in these categories because you have to find a land owner like myself and understand how to buy things and understand what it means and understand what the contracts are with these businesses, etc. But most people, most of the wealthy people, they're investing here and they're investing here. I'm not saying that you can't make a lot of money in the stock market. I'm not saying that you can't make a lot of money in Wall Street, but I'm saying that it is it is the most risky in my opinion of all things. But the end of the day, when when businesses go out uh when companies go out of business, what still will stay are the primary resources, the natural resources. And there will always be a company that will get wealthy extracting in um extracting resources from the earth because this is where all the wealth is created. So as you guys try to navigate all of this and you try to figure out what to do next, just be very very careful about turning your money over to somebody else and not understanding where it is. Uh even if it's in the ETF form. So I had a great question this week. Somebody said, "What's the difference between gold ETF and physical gold?" And I said, "Literally, it's literally that. It's I pulled out a gold coin." And um it eventually makes its way all the way up into the these ETFs. And if what you need to know is that when you add up all these ETFs, there's actually more gold ETFs than there's actual physical gold.

[00:20:38]And so, you need to be very, very careful on what you're doing on turnover your money. And this all has to do with what I said before about education and transformation. Because if you guys aren't getting educated and you're just turning your money over to someone else, then that's your own fault. And I'm telling you guys, you do have the power to turn this