"You see, this diagram, the diagram I call the 90/10 riddle is the riddle that my rich dad would chal- lenge me with on a regular basis. He would ask me for my ideas on how I could create assets in the asset column with- out buying them with money." The students were silent looking at the riddle on the chalk board. Finally one turned and said, "Is that why you often say, 'It doesn't take money to make money?'" I nodded my head and replied, "You're catching on. Most people in the 90% who own the 10% often say, 'It takes money to make money.' Many often give up on investing if they do not have any money." "So your rich dad's 90/10 riddle was to give you a blank asset column and ask you how you would fill it with assets without having to buy the assets." "Constantly. After I came back from Vietnam, he would routinely have a lunch or dinner with me and ask me for new ideas on how to fill the asset column by creating assets in- stead of buying assets. He knew that is how many of the ultra- rich got rich in the first place. That is how Bill Gates, Michael Dell, Richard Branson all became billionaires. They did not become billionaires by looking for a job and putting a few dol- lars aside." "So you're saying the way to become rich is by being an en- trepreneur?" "No, I am not saying that. I just use those examples be- cause you are all in the entrepreneurship program at 218 Rich Dad's Guide to Investing Thunderbird University. The Beatles became ultra-rich by cre- ating a different kind of asset, none-the-less they created as- sets that still pay them money today. All I am saying is that rich dad put this financial statement with a blank asset column in front of me on a regular basis and asked me how I would cre- ate assets inside the asset column without having to spend money to acquire them. He began giving me this 90/10 quiz when I asked him how he found the power to acquire a piece of the most expensive beach front land without any money." "So he said his business bought the land," another student chimed in. "As I said, that is one way but there are many ways you can create assets inside an asset column without buying them. Inventors do it by inventing something of great value. Artists paint paintings that are priceless. Authors write books that pay them royalties for years. Creating a business is the way an entrepreneur does it, but you don't have to be an entrepre- neur to create an asset inside the asset column. I've done it with real estate without using any moriey. All you have to do is be creative and you can be rich for life." "You mean I can invent something with new technology and become rich?" asked one of the students. "You could, but it does not have to be an invention or new technology," I said, pausing for awhile. "It is a way of thinking that creates assets and once you have that way of thinking you will be richer than you ever dreamed possible.