শূন্য থেকে ধনী হবার ৫ কৌশল - Zero to Millionaire by Robert Kiyosaki' Financial IQ Model

Robert Kiyosaki’s financial intelligence model is built upon five specific cornerstones that he believes must be developed proportionally to achieve monetary success. According to the sources, these cornerstones are:

1. Making More Money

The first cornerstone focuses on prioritising learning over earning. Kiyosaki suggests that individuals should choose jobs based on the knowledge and field experience they provide rather than the size of the salary. A significant part of this involves solving increasingly difficult problems, as the ability to solve complex financial issues for oneself and others is a primary secret to increasing income.

2. Protecting Your Finances

This element involves guarding your wealth against "predators", which the sources define as entities or individuals who want to take your money, such as banks, brokers, and "fake experts". To master this cornerstone, one must learn to manage their own finances and use experienced specialists like lawyers and tax accountants rather than blindly trusting outdated financial advice.

3. Managing Your Money

The third cornerstone is the ability to create a budget surplus, where income exceeds expenses. This is achieved by "paying yourself first" and making asset acquisition—such as savings, investments, or education—a priority over consumer spending. A key principle here is that assets should pay for liabilities; for example, one should acquire a rental property to generate the income needed to pay for a luxury car.

4. Strategic Investing

Investing is considered the fourth cornerstone and is vital for achieving financial independence. The sources indicate that one should look beyond traditional savings accounts and bonds, focusing instead on real estate for passive income, securities like stocks, and business investments or entrepreneurship. This area requires continuous learning to understand market strategies effectively.

5. Managing Information

In the "age of information," the fifth cornerstone is the ability to properly categorise and analyse data. Because there is often an information overload, a person must be able to distinguish between facts and opinions, as well as identify market cycles and trends. Wealth in the modern era is generated by those who can verify their information and act on reliable data.

Finally, the sources emphasise that these five elements must be improved holistically and in parallel, supported by the courage to take action and leave prejudices behind.

Analogy: You can think of financial intelligence as a five-fingered hand; if any finger is missing or weak, your ability to "grasp" and hold onto wealth is significantly diminished. Only when all five cornerstones work together can you firmly secure your financial future.