Podcast – Episode 0059 – The Cashflow Quadrant

Download Episode Here – right click link and select “Save Link As…”

In this episode Joel and Antonia talk about the Cashflow Quadrant model of making money developed by Robert Kiyosaki, author of Rich Dad, Poor Dad.

In this podcast on the Cashflow Quadrant you’ll find:

  • The Cashflow quadrant was developed by Robert Kiyosaki.
  • Most people walk through different parts of the cashflow quadrant.
  • Visualize a quadrant, draw four boxes.
  • Top Left Box = E (Employee)
  • Top Right = B (Business)
  • Bottom Left = S (Self-Employed)
  • Bottom Right = I (Investor)


  • Employee. In Robert’s theory, we all typically start our lives at the top left of the quadrant. We literally trade our lives and hours with a form of compensation from an employer. We start working for someone else based on giving the skillset to the employer.
  • Self Employed Quadrant – You own a job, you are the business, and whatever you offer (services and skills) is coming from you.
  • Business Owner – You employ more people, scaling up to the leadership role. Does not require the owner’s presence. A one degree of separation from being self-employed.
  • Investor – Create and buy own investments.
  • Looking at this model, which one of these quadrants are you in? Where are you at? How does it affect your relationship with money?
  • All of these levels are mindsets. When you’re self-employed, you see a direct correlation of your efforts vs the money you earn.
  • Both being an employee and self-employed are the highest tax positions to be in, which means you are going to pay the most.
  • What’s the scaling difference that happens when you level-up from being self-employed to becoming a business owner? When you begin investing, you start seeing business as complete assets.
  • Warren Buffett and Charlie Munger are one of the wealthiest people who are investors.
  • It’s not about money, it’s about value.
  • The wealthiest people don’t think in terms of time and money, they think about systems and value creation. True wealth is not about the salary you draw, but it’s how about the systems and business you’re investing and the value that you create.
  • You may run into one of the quadrants and feel like it’s not comfortable for you. However, even if it doesn’t come natural to you, it’ just a phase where you can learn so you can graduate to stage where it’s natural for you.
  • The model helps you to understand how people can help in your business.
  • We all possess all these great components in our personality type that help in wealth generation.
  • If you are having challenges getting up to the next quadrant, look for someone who can help you, preferably someone with a different personality type.
  • You might just love being self-employed, and you don’t want to scale, maybe you’re comfortable in being an employee, and that’s fine.
  • If you want to make a big impact, if you want to be a game changer, your relationship needs to changes to how you’re engaging with value.
  • When you want to make and bring value to the world, you need to get out of the employee mentality.
  • What value are you going to create for the world? Where are you at in the cashflow quadrant right now? What do you think are some of the powerful lesson that you need in order to move to the next quadrant?
  • Affluence brings influence. If we have a more sophisticated relationship with money and value, we will make smarter choices for the society. We will feel more empowered as people so that we can make starter choices for the society.
  • Whatever you do, when you bring value, you will be rewarded back for it.

Things we reference in this podcast:

The Cashflow Quadrant


To subscribe to the podcast, please use the links below:

Subscribe with iTunes
Non iTunes Link
Download The Android App
Subscribe on Soundcloud
Subscribe with Stitcher

If you like the podcast and want to help us out in return, please leave an honest rating and review on iTunes by clicking here. It will help the show and its ranking in iTunes immensely! We would be eternally grateful!

Want to learn more?

Discover Your Personal Genius


We want to hear from you. Leave your comments below…

Recommended Posts
Showing 12 comments
  • mitchk999

    Some of the people who create the greatest value in the world are actually employees: , doctors, emergency personnel and the like. st investors bring value to a very small part of the world, essentially, to their own pockets.

  • _

    It is really irresponsible of you to recommend anything by Robert Kiyosaki, when he was exposed as a scam artist by CBC TV’s Marketplace show several years ago. Here is the link to the episode:


  • Andrew

    INTJ – quadrant.
    I sent a personal message to both Joel mark Witt as well as Antonia dodge.
    You mention in the podcast “maybe somebody will return the favour one day with an opportunity”. What I messaged both of you about, could very well be that opportunity.
    Reach out when you have some free time, thanks.

    • Andrew

      B – quadrant *

  • Bea Minus

    First of all, I really enjoy your podcasts. They have helped me understand myself and others.

    This podcast was particularly interesting to me, but as an INTJ, I will probably never be motivated to start my own business, work 16 hours a day, go out and rustle up clients, deal with customers, all that stuff. I’m an introvert… do I really have to do all that? Eek!!!

    Some INTJs, ISTJs, and INTPs have been employees, then skipped all that silly entrepreneur crap and became investors. They did this by living below their means, saving and investing a large chunk of their earnings, became financially independent, and retired early. If you get a chance, there are several websites/blogs out there with more information. Here are a few to get you started:


  • Olga H.

    My friend suggested me this book long time ago, I found it superficial and populist… but you did a good job on the podcast. (I’m INTJ… I would criticize almost everything) 🙂

  • foday

    I own almost all the Rich Dad & Poor Dad books, they are just philosophy reading to me they don’t have step by step action plans but the quadrant is a good model and a good start.

    Please do a podcast on INTPs, thanks.

    • foday

      The reason why I ask for a podcast is because I am an INTP myself and I have made effort to improve my second function by working on cars and meeting people, the problem is when I am in a crowd I feel like an alien, I am not connecting with the people I am around and I do not remember the experience I had, I feel like no data was stored, it all seems like a waste of time.

  • Jonathan

    Creating value in the world, BAAAD AAASSS!

Leave a Comment

This site uses Akismet to reduce spam. Learn how your comment data is processed.

Contact Us

We're not around right now. But you can send us an email and we'll get back to you, asap.

Not readable? Change text. captcha txt