In the working area of his office was a row of bookkeepers, about fourteen of them. There were also five full-time ac- countants, and a chief financial officer (CFO). He also had two full-time attorneys working in his main office. When I sat down in front of rich dad, all I said was, "They're all minding your businesses and no one else's." Rich dad nodded. 'As I said, most people work hard and dream of getting away on their own boat. I first dreamed of having a team of full-time accountants and attorneys. That is why I can now have the big boat and the free time. It is a mat- ter of priorities." How Do You Afford the Team? In my seminars, I am often asked, "How can you afford to pay for this team?" That question usually comes from some- one in the E or S quadrant. Again, the difference goes back to the different laws and rules for the different quadrants. For example, when a person in the E quadrant pays for profes- sional services, the transaction looks like this: 326 Rich Dad's Guide to Investing Income Expense Taxes Professional Services For people in the В and S quadrants, the transaction looks like this: Income Expense Professional Services Tarn There is also a difference between the В quadrant business owner and the S quadrant business owner. The В quadrant business owner does not hesitate to pay for these services be- cause the business system, the entire B-I Triangle, is paying for the services. S quadrant business owners are often paying for the services out of their own sweat and blood, so most of them cannot afford to hire a full-time staff because they often do not earn enough to cover their own financial needs. The Best Education My answer is the same when I am asked questions such as: 1. "How did you learn so much about investing and busi- ness?" The B-I Triangle 327 2. "How do you get such high returns with such low risk?" 3. "What gives you the confidence to invest in what oth- ers see as risky?" 4. "How do you find the best deals?" I answer, "My team." My team consists of my accountants, attorneys, bankers, brokers, etc. When people say, "Building a business is risky," they often speak from a point of view of doing it alone, a habit they learned from school. In my opinion, not building a business is risky. By not building a business, you are failing to gain price- less real-world experience, and you are failing to get the best education in the world, the education that comes from your team of advisors. As rich dad would say, "People who play it safe lose out on the best education in the world and they waste a lot of precious time." He would also say, "Time is our most valuable asset, especially as you get older." Tolstoy said it a little differently. He is quoted as saying, "The most unexpected thing that happens to us is old age." Tetrahedrons and Teams I am often asked, "What is the difference between а В quadrant business and an S quadrant business?" My reply is "The team.