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Rich Dad Poor Dad author Robert Kiyosaki believes AI is going to shake up the jobs market like never before.
“BIGGEST CHANGE in MODERN HISTORY,” he declared in an X post earlier this year. “AI will cause many ‘smart students’ to lose their jobs. AI will cause massive unemployment. Many still have student loan debt.”
Kiyosaki isn’t alone in his take. Dario Amodei, CEO of Anthropic — the AI company behind the large language model Claude — recently warned that AI could wipe out half of all entry-level white-collar jobs and push the unemployment rate as high as 20% (1).
Tech mogul Elon Musk also weighed in on the topic at the U.S.-Saudi Investment Forum in November (2).
Musk suggested that work will become “optional” in the future as AI continues to develop. His more optimistic take includes more time for leisure and, possibly, money becoming less and less important.
“It’ll be like playing sports or a video game or something like that,” he said. “In the same way you can go to the store and just buy some vegetables, or you can grow vegetables in your backyard.”
“It’s much harder to grow vegetables in your backyard, but some people still do it because they like growing vegetables. That will be what work is like, optional. Now, between now and then, there’s actually a lot of work to get to that point.”
Musk continued, explaining he estimates that if AI and robotics continue to improve money will “stop being relevant” in the future.
However, money is still very much needed today — at least for now. Read on for advice from Kiyosaki for protecting your income, regardless of how AI continues to impact the market.
Kiyosaki is a passive-income evangelist and believes this is the safe route for protecting your lifestyle and livelihood.
“AI cannot fire me because I do not have a job,” he wrote (3).
“Years ago, rather than listen to my poor dad’s advice of ‘Go to school, get good grades, get a job, pay taxes, get out of debt, save money, and invest in a well diversified portfolio of stocks, bonds, and mutual funds,’ I followed my rich dad’s advice. I became an entrepreneur, investing in real estate, using debt, and instead of saving fake money, I have been saving real gold, silver, and today Bitcoin.”
Read more: Warren Buffett used 8 solid, repeatable money rules to turn $9,800 into a $150B fortune. Start using them today to get rich (and stay rich)
Kiyosaki’s story about rejecting his poor dad’s advice and following his rich dad’s instead highlights a simple choice: Rather than getting a traditional job, he became an entrepreneur and started investing in real estate — an asset known for generating passive income.
Once you build a reliable stream of passive income, you can worry less about AI replacing your job because you no longer rely solely on a paycheck.
Kiyosaki has frequently emphasized the importance of this approach. “I have always recommended people become entrepreneurs, at least a side hustle, and not need job security. Then invest in income-producing real estate, in a crash, which provides steady cash flow,” he wrote in an X post earlier this year (4).
Real estate has long been a favored asset for income-focused investors. While stock markets can swing wildly on headlines, high-quality properties often continue to generate stable rental income.
Perhaps that’s why Kiyosaki once disclosed he owns 15,000 houses during an interview with personal finance YouTuber Sharan Hegde — strictly for investment purposes (5).
Today, you don’t need to be as wealthy as Kiyosaki to get started in real estate investing. Crowdfunding platforms like Arrived have made it easier than ever for everyday investors to gain exposure to this income-generating asset class.
Backed by world-class investors like Jeff Bezos, Arrived helps you invest in shares of rental homes with as little as $100, all without the hassle of mowing lawns, fixing leaky faucets, handling difficult tenants or midnight maintenance calls.
How it works is simple: Browse a curated selection of homes vetted for their appreciation value and income potential. Once you find a property you like, just select the number of shares you’d like to purchase, and then sit back as you start receiving any positive rental income distributions from your investment.
Kiyosaki didn’t mince words about his disdain for fiat currency, stating that he saves in “real gold and silver” instead of what he calls “fake money.”
That’s no surprise — the famed author has been advocating for precious metals for decades.
In October 2023, he predicted on X: “Gold will soon break through $2,100 and then take off. You will wish you had bought gold below $2,000. Next stop, gold $3,700.”
His prediction was more than accurate, as gold broke a record high of $4,379.13 per ounce on Oct. 17, and settled down to about $4,200 in December (6).
Gold has long been viewed as a safe-haven investment. It’s not tied to any one country, currency or economy. It can’t be printed out of thin air like fiat money, and investors tend to pile in during times of economic turmoil or geopolitical uncertainty — driving up its value.
One way to invest in gold that can also provide significant tax advantages is to open a gold IRA with the help of Priority Gold.
Gold IRAs allow investors to hold physical gold or gold-related assets within a retirement account, which can combine the tax advantages of an IRA with the protective benefits of investing in gold, making it an option for those looking to help shield their retirement funds against economic uncertainties.
When you make a qualifying purchase with Priority Gold, you can receive up to $10,000 in silver for free.
Kiyosaki said he also saves in bitcoin — no surprise, given that he has long been a vocal supporter of the world’s largest cryptocurrency.
However, this volatile market is not for the weak of heart. Bitcoin recently crashed again, with shares falling below $90,000 in December. The top crypto coin has shed almost a third of its value since its peak price in October (7).
But, depending on how you think about it, a dip could just be a chance to buy in. For most of 2025 bitcoin has traded at over $100,000 per coin. Now, you could get in at a cheaper price — unless you’re betting on even sharper drops to come.
For those with the stomach to ride the Bitcoin waves, new crypto platforms have made it easier for everyday investors to tap into this de-centralized currency.
One option is Robinhood Crypto, which helps users to buy and sell crypto with as little as $1 without any trading fees or commissions. You can also access dozens of other coins, if your faith in bitcoin has been shaken.
Even better, Robinhood Crypto has the lowest trading cost on average in the U.S. — meaning you could get up to 2.7% more crypto compared to trading on other platforms.
While building passive income streams can help you prepare for the “biggest change” Kiyosaki warns about, it’s just as crucial to understand where your money goes each month.
Try tracking all your expenses for 30 days, then sort them into two categories: Necessities — like rent, groceries, utilities and health care — and discretionary spending, such as dining out, entertainment, shopping and hobbies. Building a buffer in the event of AI-driven unemployment could give you the head room to re-skill or find more work.
Breaking down your financial ins and outs can give you a clearer picture of your spending habits and help identify areas where you can cut back. But trimming waste isn’t just about skipping lattes or takeout.
Even in essential categories, you may be spending more than you need to. The good news? With a bit of research, those costs can often be significantly reduced.
For instance, car insurance is a major monthly expense for many, and some Americans are likely overpaying without realizing it. According to Forbes, the average cost of full-coverage car insurance is $2,149 per year, or $179 per month (8).
However, rates can vary widely depending on your state, driving history and vehicle type.
By using OfficialCarInsurance.com, you can easily compare quotes from multiple insurers, such as Progressive, Allstate and GEICO, to ensure you’re getting the best deal.
In just two minutes, you could find rates as low as $29 per month.
It’s also important to keep in mind that many providers allow you to cancel your plan before it’s up for renewal. Just keep an eye out for any early cancellation fees that could offset your net gains from shopping around.
We rely only on vetted sources and credible third-party reporting. For details, see our editorial ethics and guidelines.
Axios (1); The Hill (2); @therealKiyosaki (3), (4), (5); Finance With Sharan (5); GoldPrice.org (6); The Guardian (7); Forbes (8)
This article provides information only and should not be construed as advice. It is provided without warranty of any kind.