n won； and a chance at freedom was lost。
In another example； I hold a small portion of my assets in tax lien certificates instead of CDs。 I earn 16 percent per year on my money； which certainly beats the 5 percent the bank offers。 The certificates are secured by real estate and enforced by state law； which is also better than most banks。 The formula they're bought on makes them safe。 They just lack liquidity。 So I look at them as 2 to 7…year CDs。 Almost every time I tell someone； especially if they have money in CDs； that I hold my money this way； they will tell me it's risky。 They tell me why I should not do it。 When I ask them where they get their information； they say from a friend or an investment magazine。 They've never done it； and they're telling someone who's doing it why they shouldn't。 The lowest I yield I look for is 16 percent； but people who are filled with doubt are willing to accept 5 percent。 Doubt is expensive。
My point is that it's those doubts and cynicism that keep most people？ poor and playing it safe。 The real world is simply waiting for you to get rich。 Only a person's doubts keep them poor。 As I said； getting out of the rat race is technically easy。 It doesn't take much education； but those doubts are cripplers for most people。
〃Cynics never win；〃 said rich dad。 〃Unchecked doubt and fear creates i a cynic。 Cynics criticize； and winners analyze〃 was another of his favorite sayings。 Rich dad explained that criticism blinded while analysis opened …《 eyes。 Analysis allowed winners to see that critics were blind； and to see opportunities that everyone else missed。 And finding what people miss is ｜ key to any success。
Real estate is a powerful investment tool for anyone seeking financial independence or freedom。 It is a uni