Patrick McMullan / Getty Moneywise and Yahoo Finance LLC may earn commission or revenue through links in the content below. Robert Kiyosaki, author of the bestselling book Rich Dad, Poor Dad, doesn’t always agree with Dave Ramsey’s advice when it comes to debt. In a March 2025 tweet, Kiyosaki posted (1): “My friend Dave Ramsey says ‘Live debt free.’ I say ‘I use debt to invest. I am $1.2 billion in debt.’ Again, who is right?” Must Read Kiyosaki champions an investment philosophy that leverages debt ...

Core Viewpoint - The debate between Robert Kiyosaki and Dave Ramsey highlights contrasting philosophies on debt and investment strategies, with Kiyosaki advocating for leveraging debt to build wealth while Ramsey promotes a debt-free lifestyle [1][5]. Group 1: Investment Strategies - Kiyosaki claims to be $1.2 billion in debt, using it as leverage to invest in real estate, specifically owning 15,000 rental homes [1][3]. - Ramsey manages a family office with approximately $600 million in property, all purchased in cash without any mortgages [2]. - A new investment platform, Arrived, allows individuals to buy fractional shares of rental properties starting at $100, providing a middle ground between Kiyosaki's debt-heavy approach and Ramsey's cash-only model [4]. Group 2: Financial Philosophy - Kiyosaki believes that for financially educated individuals, using debt can be a more effective strategy for wealth accumulation [2]. - Ramsey's philosophy is that living debt-free is the smarter choice for most people, especially those with lower financial acumen [2]. - The tension between the peace of being debt-free and the potential for higher returns through leverage resonates with many Americans who may not be billionaires [3][5].