Free Unfair Advantage -The Power of Financial Education by Robert T. Kiyosaki

is the state and city government.
    His dad was a garbage man in the B and I quadrants. He hired garbage men in the E quadrants and uses accountants and attorneys in the S quadrant for specialized advice. If he had good tax advice, paid a much smaller percentage in taxes than his employees.
    FAQ
    Can a person be in more than one quadrant?
    Short Answer
    Yes, absolutely. Technically, I am in all four quadrants. I am an E, an employee in my own company. I am an S who writes books and develops games on my own. I am a B with licensed offices all over the world and more than 500 people working to support the business. And I am an I, raising money for my businesses.
    FAQ
    How does a person change quadrants?
    Short Answer
    A person begins by deciding to change core values.
    Explanation
    Again, a medical doctor can be in any or all of the four quadrants. So can you.
    Different people seek different quadrants due to core values. I can often tell a person’s core values by the words they use. The sections that follow illustrate what I mean.
    The E Quadrant
    “ I want a safe, secure job with benefits.”
    These are the words of people in the E quadrant. Regardless of whether the person is a janitor or president of the company, they say the same words. These words reflect the core value of security . The fear of failing, the need for a steady paycheck, and a fear of change influence their core fears. These people tend to seek long-term careers in the military, the police force, or a big company. If they are ambitious, they may change jobs if a better opportunity to climb the corporate ladder in another company appears, but before they take that leap, they make sure their future paychecks are secure.
    Most students in MBA (masters of business administration) programs have dreams of climbing the corporate ladder in the E quadrant, starting near the top. Their MBA gives them an advantage over those who did not get their MBA. A few will make it to the top, becoming president or CEO, and will earn a lot of money. But the problem is that a large percentage of their paycheck will be eaten by taxes.
    In the United States, the shining stars of the E quadrant are Jack Welch of General Electric and Meg Whitman of eBay.
    FAQ
    I am in the E quadrant. What can I do to earn more and pay less in taxes, legally?
Professional Answer from Tom Wheelwright
Not much, so long as you stay in the E quadrant. Most of the tax law is written as a code to reduce taxes for those in the B and the I quadrants. About the best you can do is to postpone taxes through an IRA or 401(k). The real key to reducing taxes is to move into the B and the I quadrants.
    The S Quadrant
    “ If you want it done right, do it yourself.”
    These are the words of people in the S quadrant, regardless of whether the person is a medical doctor, an attorney, or a yardman. They say the same words. These words reflect the core values of independence and lack of trust that anyone else can do it better. S-quadrant people generally have rigid points of view on the right way, and the wrong way, to do something. Their theme song is: “Nobody Does It Better” or “I Did It My Way.” The trouble with the S quadrant is that if they stop working, their income also stops. People in the S quadrant do not own a business. They own a job.
    Many professional people fall into the S quadrant. They could be accountants, bookkeepers, webmasters, and consultants. S also stands for specialized or smart. They value their independence and specialized skill. Most stay small because they focus on becoming more specialized, rather than becoming larger.
    Shining stars in the S quadrant are often stars in real life. For example, most movie stars, rock stars, and professional athletes are in the S quadrant. In every city and town, there are stars in the S quadrant. For example, there is always the famous local doctor, real estate agent, or restaurant owner in every town.
    I have a friend who owns five restaurants in