The Kiyosaki Filter
Before building anything, run it through these 7 questions:
1. Asset or liability?
Does it put money in your pocket without ongoing work? If yes, asset. If no, liability.
2. Makes money while you sleep?
If it requires your time to generate revenue, it is a job, not a business.
3. Cash-on-cash return?
Income minus expenses. If negative, restructure or kill.
4. Scales without proportional time?
Adding 10 more clients should NOT require 10x more work.
5. Can you use OPM/OPT?
Other peoples money (charge before building). Other peoples time (use Codex, Twilio, Vercel).
6. Expensive problem being poorly solved?
The bigger the dollar cost of the problem, the more you can charge.
7. Velocity — how fast does money return?
Every dollar earned should immediately go to acquiring the next client.
Applied Example
Healthcare patient follow-up automation:
- Asset? YES (runs 24/7 without us)
- Sleep money? YES (automated SMS)
- Cash return? $285/month net per client
- Scales? YES (same system, more clients)
- OPM? YES (setup fee funds the build)
- Expensive problem? YES ($8K-25K/month lost)
- Velocity? Immediate (setup fee covers costs)
Verdict: PURSUE AGGRESSIVELY.
Operation Talon
