It’s not how much money you make, but how much money you keep, how hard it works for you, and how many generations you keep it for.

Robert T. Kiyosaki is best known for popularizing personal-finance ideas about assets, cash flow, and financial education through his “Rich Dad” brand beginning in the late 1990s. This line reflects a recurring theme in his talks and books: that high income alone does not create wealth unless it is protected from spending and taxes, invested into income-producing assets, and structured to endure beyond one lifetime. The quote is typically used in motivational/educational settings aimed at shifting attention from salary or gross earnings to net worth, investment returns, and intergenerational planning.

The quote distinguishes income from wealth. “How much you keep” points to saving rate and control of expenses; “how hard it works for you” emphasizes investing so money generates additional money (returns, cash flow) rather than being consumed; and “how many generations you keep it for” extends the idea to legacy—durable wealth requires planning, risk management, and often legal/estate structures. Its significance lies in reframing financial success away from status markers (a big paycheck) toward sustainable, compounding resources and long-term stewardship.