Kiyosaki vs Ramsey: Who's Right About Debt?

Robert Kiyosaki (100M net worth) says the rich use debt to get richer. His logic: borrow $80k to buy rental properties, let tenants pay the mortgage, pocket the extra cash. Split $100k into 5 properties = 18% annual return vs 9% buying one outright.

But Dave Ramsey thinks this is risky AF. What if renters ghost? What if the market tanks like 2008? You're still stuck paying the full debt.

The real talk: Kiyosaki's "good debt" only works if:
- Your assets actually generate income consistently
- You get reasonable interest rates (need good credit first)
- The market doesn't implode

For most people, step 1 isn't "buy rentals" — it's kill your credit card debt, build a credit score, THEN leverage debt strategically.

So who wins? Neither. Kiyosaki's right that debt can be a tool. Ramsey's right that it's risky. The difference is just your risk tolerance.