Book Structure

  1. Part one: the core differences between people in the four quadrants
  2. Part two: personal change, who you have to be instead of what you have to do
  3. Part three: how to find success in the B & I quadrants

Income is not from what we learnt from school, rather than than it’s about our values, interests, strengths, and weaknesses.

Changing the quadrants requires changing in the core of who you are, how you think, and how you look at the world.

Cashflow Quadrant

  • E: Employee
  • S: Self-Employed & Small Business Owner
  • B: Business Owner
  • I: Investor

Question: From which quadrant do you receive the majority of your income?

E & S Quadrant

  • 80% population
  • 20% wealth

B & I Quadrant

  • 20% population
  • 80% wealth

Core Financial Values

  • E (Employee): Security
    • Security job + decent salary + great benefits
    • Need to trade their own time for money
  • S (Self-Employed & Small Business Owner): Independence
    • Take great pride of their own hands or brains, being their all boss
    • Hard-core professionals like doctors, lawyers, accountants
    • Slave to their own business
  • B (Business Owner): Wealth-Building
    • Opposite of S
    • they like to delegate, bring up the best of people
    • Build up a team of other people who are best of their fields
    • Powerful life mission, value a great team, efficient teamwork, and want to server and work with as many people as possible.
    • Passive income
  • I (Investor): Financial Freedom
    • They make money with money
    • Use their own money to work for them

The world of money is a large system, we play different roles within the system individually

  • E (Employee) works for the system
  • S (Self-Employed) is the system
  • B (Business Owner) create, own and control the system
  • I (Investor) invest money into the system

Quadrant I is about risk, but we can learn to manage it

Investing is the key to Financial Freedom

The more money people make, the harder people have to work, the less time they have for their loved ones.

The reason why so many people struggled financially, they also increase their two biggest expense: Taxes, and Interests on debt.

There are five levels of investors in the I quadrant:

  1. The Zero-Financial-Intelligence Level.
    1. They earn a lot, and spend more than they earned.
    2. They look rich, but all they have are bad debt.
  2. The Savers-Are-Loser level.
    1. Saving money was smart, when money was money.
    2. Nowadays money is not asset, more saving means higher taxes and more inflation.
    3. People who saving a lot are parking their money, while professionals are moving their money.
  3. The I-Am-Too-Busy level.
    1. These are well-educated people, busy with their life matters.
    2. They turn their money to an expert, and hope ’the expert’ can help them to make money
  4. I-am-a-Professional Level.
    1. This is the do-it-yourself in the S (Self-employed) quadrant
  5. The Capitalist Level.
    1. This is the business owner from the B quadrant investing in the I quadrant.

7 Steps to find your financial fast track

  1. It’s time to mind your own business
  2. Take control of your cashflow
  3. Know the different between risk and risky
  4. Decide what kind aof investor you want to be
  5. Seek mentors
  6. Make disappointment your strength
  7. The power of faith

Network Marketing

  • Business model of 21st century
    • Being cooperation, being generous
  • Business of 20th century
    • Being greedy, just courting for yourself if you share you lose


  • Hold you accountable to do what you say you are going to do.
  • There are lots of things that you need to master to master your investment
    • the deal
    • the financial agreement
    • the market
    • the management
    • the risk factors
    • the cashflow
    • the corporate structuring
    • the tax laws