The Debt You Control: Rethinking What “Money” Really Means

The Debt You Control: Rethinking What “Money” Really Means

Robert Kiyosaki says debt is money—but few truly understand what that means. Learn how to turn debt into a tool you control through the Infinite Banking Concept, creating stability, liquidity, and financial certainty without relying on the banks.

Robert Kiyosaki often says, “Debt is money.”
But most people misunderstand what he means.

They use debt to consume.
And the more financially “savvy” use debt to acquire assets.

But here’s the real question:

For whose benefit?

Who Really Wins from Debt?

Banks are more than willing to extend debt—not because they love your collateral—but because they trust your ability to keep their cash flow moving.

Once you understand that truth, you begin to see debt differently.
You realize that the goal isn’t to avoid debt altogether, but to control the kind of debt you use.

The Power of Controlled Debt

Robert Kiyosaki doesn’t talk much about his insurance products, but he does mention them.
And that’s where true financial control begins.

When you can utilize debt that you control, you gain the ability to strategically eliminate consumer debt—including mortgages—on your own terms.

That level of control is something most investors will never experience.

The Fragility of Traditional Investing

Think about it:
If your tenants suddenly lose the ability to pay rent, how exactly is that debt working for you?
Do you have an alternative pool of money to pull from?

For most people, the answer is no.

And that’s the fragility I see in how many investors structure their financial lives—heavy on leverage, light on liquidity, and dependent on circumstances they can’t control.

The Shift

True wealth comes from control, not complexity.
It’s about building systems that let you become your own source of financing—where your money continues to grow, even when you borrow against it.

That’s what the Infinite Banking Concept makes possible: using debt strategically and sustainably to increase your control, not your risk.

Something worth pondering… especially if you’ve ever wondered who really benefits from your debt.

If you’re ready to rethink the way debt works in your life, let’s talk.
Through FreedomBankers, I help individuals and families take control of their money by creating private banking systems that work for them—not the banks.

It’s time to stop being the borrower and start becoming the banker.