Do You Know How To Use The B-I Triangle?

Dear reader,

How often do you sit in your cubicle, daydreaming about what it would be like to quit your boring nine-to-five job? Do you have that one friend who always seems to be on vacation and living life to the fullest—and you wonder how he pulls it off? Have you ever thought about selling all of your possessions and starting a new life somewhere else? 

If any of these scenarios sound familiar, then chances are, you aren’t experiencing freedom. Freedom is defined as “the state of not being imprisoned or enslaved.” Now, you may think you’re free because you aren’t in prison, or don’t live in a war-torn country, and make your own decisions.

But, think about your mortgage. Your car payment. Your credit card bills. Student loans. If you stopped paying those, you’d be sent to collections, your credit score would plummet, and you’d be in financial ruin. Your financial obligations are like a weight around your neck—and for many, this weight gets heavier and heavier as your financial burdens become larger and larger. That sure doesn’t sound like freedom. In fact, you are probably tied to many financial commitments that prevent you from living up to your true potential.

There is a way for you to find true financial success, and just like a business, you need to build your own B-I Triangle. 


What is the B-I Triangle

Rich dad called the following diagram, the B-I Triangle, the key to great wealth.

Bi Triangle

The B-I Triangle was very important to rich dad because it gave structure to his ideas. As he often said, “There are many people with great ideas but few people with great fortunes. The B-I Triangle has the power to turn ordinary ideas into great fortunes. The B-I Triangle is the guide to taking an idea and creating an asset.” It represents the knowledge required to be successful on the B and I side of the CASHFLOW Quadrant. 

But In order to be successful and move to the B and I side—where financial freedom exists, all of the 8 integrities need to be in sync. 

Rich dad taught me that once you become good at taking an idea and building a B-I Triangle business around it, people will flock to you to invest in your idea. He said, “Then, it will be true for you that it doesn’t take money to make money. Instead of spending your life working for money, you will get better at creating assets that make more and more money—your money will work for you.”

When I look at the 10 percent of Americans who control most of the country’s wealth and big businesses, I understand exactly how they got their wealth. They found their spirit and their mission, built a business, and allowed others to share in their dreams, the risks, and the rewards. 

You can do the same thing if you want. Just follow the same diagram rich dad guided me with—the B-I Triangle.

Solving the B-I Triangle Riddle

Rich dad gave me another reason to begin mastering the B-I Triangle that I thought was unique. He said, “Your dad believes in hard work as the means of making money. Once you master the art of building B-I Triangles, you will find that the less you work, the more money you will make and the more valuable what you are building becomes.”

At first, I did not understand what rich dad was saying, but after a number of years of practice, I understand more fully. In 1974, I was very weak at every level of the B-I Triangle. I think I was weakest in cash-flow management and communications management. Today, although I am still not a master of any one sector of the triangle, I would say that I am the strongest in cash-flow management and communications management. And because I can create synergies among all levels of the B-I Triangle, my companies succeed.

Today I meet people who work hard building a career, working their way up the corporate ladder, or building a business practice that is based upon their reputation. These people generally come from the E and S quadrants. In order for me to become rich, I needed to learn to build and put together systems that could work without me. After my first B-I Triangle was built and I sold it, I realized what rich dad meant by the less I work, the more money I will make. He called that thinking “solving the B-I Triangle riddle.”

If you are a person who is addicted to hard work, or what rich dad calls “staying busy in your busyness and not building anything,” then I would suggest sitting down with other people who are busy in busyness and discuss how working less can make you more money.  

I have found that the difference between people in the E and S quadrants and people in the B and I quadrants is that the E and S people are often too hands-on. Rich dad used to say, “The key to success is laziness. The more hands-on you are, the less money you can make.” 


Everyone Can Build Their Own Triangle

One day while rich dad was teaching me more about the B-I Triangle, he made a comment I found interesting. He said, “There is a B-I Triangle inside each of us.” 

Not understanding what he meant, I inquired further. Even though his explanation was a good one, it took me a while to realize how true his statement was. Today whenever I find a person, a family, a business, a city, or a country that is having financial difficulties, to me that means one or more segments of the B-I Triangle are missing or are out of sync with the other parts. 

When one or more parts of the B-I Triangle are not functioning, chances are good that the individual, family, or country will be in the 90 percent that is sharing in 10 percent of the money available. So if you, your family, or your business is struggling today, look at the model of the B-I Triangle and do an analysis of what can be changed or improved.


Robert Kiyosaki

Robert Kiyosaki
Editor, Rich Dad Poor Dad Daily

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Robert Kiyosaki

Robert Kiyosaki, author of bestseller Rich Dad Poor Dad as well as 25 others financial guide books, has spent his career working as a financial educator, entrepreneur, successful investor, real estate mogul, and motivational speaker, all while running the Rich Dad Company.

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