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Robert Kiyosaki, author of Rich Dad Poor Dad, is sounding the alarm on what he calls the “biggest change in modern history.” According to Kiyosaki, artificial intelligence isn’t just improving productivity — it’s preparing to replace millions of workers outright.
In a blunt post, he warned that AI will cause massive unemployment, particularly among “smart students” burdened with student loan debt and trained for traditional white-collar careers. And he’s not the only one making the prediction.
Dario Amodei, CEO of Anthropic — the company behind the AI model Claude — has echoed similar concerns, suggesting AI could eliminate up to half of entry-level white-collar jobs and push unemployment as high as 20%. Even Elon Musk has weighed in, predicting a future where work becomes optional as machines outperform humans across industries.
Why White-Collar Workers May Be Most at Risk
Unlike past technological shifts that primarily disrupted manual labor, AI targets jobs built around analysis, writing, research, customer service, and data processing — roles long considered “safe” and prestigious.
These are the same careers many graduates pursued after years of education and debt. That mismatch is what worries Kiyosaki most.
He believes traditional job security is an illusion in an AI-driven economy. Degrees and resumes may matter less than adaptability, ownership, and income sources that don’t rely on an employer’s discretion. For workers dependent on a single paycheck, automation could hit faster — and harder — than expected.
Kiyosaki’s Strategy: Don’t Depend on a Job
Kiyosaki’s solution is simple, controversial, and consistent: stop relying on earned income alone. He argues that AI can’t replace people who don’t have jobs to lose.
“AI cannot fire me because I do not have a job,” he wrote. Instead, he pushes ownership.
Kiyosaki advocates building passive income streams through entrepreneurship, income-producing real estate, and alternative assets. His philosophy rejects the traditional path of saving cash and trusting long-term employment, favoring assets that generate cash flow regardless of who’s hiring.
Preparing for 2026, No Matter Who’s Right
Even if the most extreme predictions don’t materialize, the direction is clear: work is changing fast. Preparing for AI disruption doesn’t require panic — but it does require honest assessment.
That starts with understanding your spending, reducing unnecessary costs, and building buffers that buy time to reskill, pivot, or invest.
The real risk may not be AI — but waiting too long to adapt. Whether AI makes work optional or simply more competitive, Kiyosaki’s core message is about control. Those who rely on a single income source may feel the shock first. Those who diversify how they earn may weather the change — or even benefit from it.