Today's economy proves what authors like Robert Kiyosaki and Paul Zane Pilzer have predicted would come. The collapse of financial institutions and production companies has displayed a shift in the way money will be made in the future. Sure, there will be jobs for people in the new economy, according to Paul Zane Pilzer's book, The Next Millionaires, but the Cash Flow Quadrant, by Robert Kiyosaki, still applies.

As you can see, in this quadrant diagram, there are four letters. E is for Employed people. The ones who work for some one else and get paid by the hour or salaried. Yet, no matter how hard a person can work, there are only so many hours you can work.

S is for Self Employed. These folks own their business yet are constrained by the number of hours in a week. After time, Self Employed people find out their business owns them. However, self employed people are among the hardest working and disciplined in our country.

These two areas, on the left side of the quadrant, have some things in common. First, Time, your most valuable and irreplaceable commodity, is traded for money. Secondly, 95% of people earn their money here, but only can control 5% of their total wealth. This is due to the mortgages and loans carried by people on the left side.

On the right side, the B stands for Business Builder. These people leverage a system to produce over time an exponential increase in income that will create a life style of choice.

I is for Investors. These people are the ones you pay your loans back to. Investors use money to make money. A true investor is described as someone who can lose $250,000 in a day and not affect their life style.

The right has something in common as well. 5% of the people earn their money on this side and they control 95% of the wealth in this country. By the way most people on the right side started out with little or nothing and found success.
To move from the Left to the Right side only requires you to seek more information that will guide you to wealth and life style.


Why would you want to change to the right side? After all there seems to  be security in knowing you%u2019ll get paid on a regular basis. Then there are pensions; Very few companies offer these. If your company has a pension plan, then you are one of the more fortunate people.

The following graph is plotted from Statistics from the United States Department of labor and Statistics. This applies to all who trade time for money.

In the graph you will see Income over Age. At 18 - 21 years old you get a job. Some form of training in technical school or college is needed resulting in student loans. As you start to work, you get incremental raises until you get to the top of your earnings for that career. These are called the Arrogant Years. During this time with the increases in pay, you tend to buy a car, toys, get married, buy a house and have children. A lot of these expenditures are purchased by credit cards and bank loans. When you are 30-32 years old your income flat lines, earning anywhere from 0-3% wage increases. Click the video for more information.

To add to the pain of this graph, inflation moves along at the average of 7% a year. That means that prices and the cost of living, doubles every 5 years, thus wiping out any raises or stretching the retiree's income.

At the age of 65-75 you retire to live on one half to one third of what you were struggling to make it on when you were working. Find a retiree you know and ask if this is true.

Finally, in 1999, Michael Dell gave a talk at the Detroit Economic Club. During the talk, he talked about the three c's of internet business. He drew three progressively larger circles with a line between the second and third circles. He explained that the first circle was Content. This represented a website with a product or service to sell. Dell, also said that any company with out a web presence would be out of business. Except for a few exceptions, you can find a website for any business you see

The second circle represents Commerce. Commerce is the method of ordering, shipping, return authorization and tracking. This is critical, just look at the .bomb of the Super Bowl a few years ago. The .com sites advertised, during the game, and they could not keep up with all the orders. Content was great, but commerce faltered. So you must have both Content and Commerce just to do business on the internet.

The third circle is Community. At this point, Dell said that whoever figures out Community would Rule the Internet. Dell's business could not keep his buyers from buying from a competitor on there next order. But if a community of people is formed that has a portal on the internet that this group of people could basically tell manufacturers what to charge. The money that is developed in such a community would be split between the community, the manufacturer and the people that support the website and handle the first two c's. Therefore, you need to find a community online in order to gain this power in the internet.

Take heart. There is hope. All you need to do is find a way to leverage a system to become a, B-Type, Business Builder with a community of Business Builders. Maybe you already know of an opportunity. But if you%u2019re like 95% of the others who don%u2019t, then you are fortunate. Just click the link below to find out more about building a Home Based Business.