INTRODUCTION We were not taught financial literacy in school. It takes a lot of work and time to change your thinking and to become financially literate. Robert Kiyosaki F inancial freedom requires work. Before I got involved with real estate, I thought I knew about investing and stylized myself as a sophisticated investor. I was taught my entire career essentially to look down upon real estate. It was an asset class that didn’t fit the traditional stock to bond ratio, and therefore it was meant to be liquidated for real gains. Thinking back through the brokerages I worked for, none of them ever had a real estate division. I was never encouraged to pursue a real estate license. So it only stands to reason that the stock to bond ratio, with a mix of commodities for non-risk adverse, was the only thing pushed to clients; because it was the only thing we were encouraged to get licenses in. A classic case of being so close to the canvas that you can’t even really see the color of the paint. People, companies, crowds, etc. all operate and make decisions to help benefit their own self-interests. You want to retire financially secure, so you seek out the experts, who have been taught only one way to invest-stocks, bonds, mutual funds, and REITS--so it’s in their self-interest because they are licensed to make money off it. Yet the system is flawed. While everyone is constantly defending the stock/bond ratio and the annualized returns of the stock market overall; the fact remains the same we have a struggling group of baby boomers that are heading into retirement with too many bills at the end of their money.