The author of number 1 personal finance book "Rich Dad Poor Dad", Robert Kiyosaki created cashflow quadrant, which shows how people have different income sources based on their jobs. There are 4 main types people based on their finance. These are employee, self-employed, business owner and investor. Without taking into account where people are or what you do for a living, they are always on one side of the quadrant. Where you are on the quadrant, defines who you are financially. If you are an employee or a self-employed, the chance of get richer is poor. In order to financially free and secure, you should transfer yourself from the left side of the quadrant to the right side of the quadrant. In other words, you should move from being an employee or self-employed to being a business owner or an investor. That can change your whole life. By changing your view about money, you can change your life.