Ok, all set to uncover what this week’s insights hold?
The main idea is that financial intelligence means having many ways to solve money problems and create opportunities - not just working hard and saving.
Most people know only one way to deal with money: work, save, and borrow. But people with high financial intelligence can think creatively, find different solutions, and even turn bad situations into opportunities.
Robert explains that:
• You can’t just wait for the “right time” or “luck.” You create your own luck through knowledge and smart thinking
• Money isn’t real, it’s something people agree has value. What really matters is how you use your mind to create wealth
• In today’s world, people can make money from ideas, agreements, and smart decisions, not just from physical work.
He gives an example:
During a bad economy in Phoenix, instead of saving money, he invested in cheap houses that others were selling.
He used creativity and quick thinking - borrowing a small amount from a friend, buying a property cheaply, and selling it fast for a profit.
In just a few hours, he made tens of thousands of dollars, showing how financial intelligence can create money from opportunities others miss.
Yes, House prices had dropped, homes that used to cost $100,000 were now $75,000. Instead of buying through normal real estate agents, he looked for bargain deals at bankruptcy offices and courthouse sales, where he could buy those same houses for as little as $20,000.
He borrowed $2,000 from a friend for 90 days (and agreed to pay back $200 extra as interest) to use as a down payment. While the house purchase was still being processed, he advertised the same house for $60,000 with no money down to attract buyers.
Many people showed interest, and once he officially owned the house, it sold very quickly. The buyer paid him a $2,500 processing fee, and the legal companies handled the rest. He repaid his friend $2,200, keeping everyone happy - his friend, the lawyer, the buyer, and himself.
In the end, he sold a $20,000 house for $60,000, making $40,000 in profit, mostly through smart timing and creative financing - all in about five hours of work.
Since we’re getting better at understanding money and numbers, Robert shows us how this example proves that money was actually invented by people.
During a slow housing market, Kim and Robert used their spare time to complete six small real estate deals.
These simple “buy, create, and sell” transactions earned them about $190,000 in assets (notes at 10 percent interest) and $19,000 a year in income.
By managing the money through their private company, they could use much of it for businessrelated expenses like travel, cars, and client meetings - legally reducing their taxes.
This is a clear example of how money can be invented, created, and protected using financial intelligence.
Robert asks us to think about how long it would take to save $190,000, and whether a bank would ever pay 10% interest on that money.
He explains that his promissory note (a loan agreement) lasts for 30 years, earning him $19,000 a year, which adds up to over $500,000 in total income. He even says he hopes not to be paid back the full $190,000, because if he is, he’d have to pay taxes on it.
If the buyer stops paying, it’s still not a big problem. He can take back the house and sell it again, maybe for $70,000, and collect another $2,500 fee. The new buyer would still see it as a no-moneydown deal, and the process could continue again.
So, what are your thoughts on this? Just think about it - and let’s meet again for more useful insights next time.
