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Robert Kiyosaki: Trump’s 401(k) Policy to Make Americans Richer, ‘Baby Boomers’ Will Be Homeless

Published by
Zafar Naik and Qadir AK

Robert Kiyosaki, author of Rich Dad Poor Dad, is backing President Donald Trump’s latest 401(k) reforms, calling them a “game-changer” for retirement investing. In a tweet, Kiyosaki highlighted the move that could let ordinary Americans put their retirement savings into Bitcoin, Ethereum, gold, silver, real estate, and commodities – assets traditionally reserved for the wealthy.

“I LOVE TRUMP: We wrote two books together for many reasons. One of those reasons is because the rich investment bankers who control the stock and bond markets are screwing the working class via the workers 401-Ks,” Kiyosaki wrote.

Opening 401(k)s to Alternative Investments

Kiyosaki says this is a chance for regular employees to invest like the rich. Traditionally, 401(k)s have focused on stocks, bonds, and mutual funds – tools built for employees (E) and specialists (S) trading time for money. Kiyosaki, Trump, and Elon Musk operate from the Business (B) and Investor (I) side of his Cashflow Quadrant, controlling real income-generating assets.

“Trump and Musk and I operate from the B and I side of the quadrant…. The good news of Trump opening 401-k’s open for alternative investments to Es and Ss and alternative investors B’s and I’s like me….more people will become richer and more financially secure into the future,” he said.

Under the SECURE 2.0 Act, 401(k)s can now include private market investments, commodities, real estate, infrastructure projects, digital assets, and lifetime income strategies. High-income employees will also see pre-tax catch-up contributions move to Roth accounts, offering tax-free growth in retirement.

Alt Assets as a Hedge Against Inflation

Kiyosaki sees Trump’s 401(k) reforms as a way to protect retirement savings from rising inflation, which he warns is eroding traditional stock- and bond-heavy portfolios.

He emphasizes investing in tangible and digital assets – including gold, silver, Bitcoin, Ethereum, real estate, and commodities – as a way to preserve and grow wealth. 

Kiyosaki encourages investors to study the pros and cons of these alternative assets and make informed choices, rather than blindly following the advice of financial planners tied to Wall Street.

Opportunities, But With Caution

While Kiyosaki celebrates the potential, it is essential to note that not all retirees may be prepared to manage crypto, gold, or real estate in their 401(k)s.

For Kiyosaki, the key is education and independence. Trump’s policy, he says, gives more Americans the chance to think like investors, take control of their financial future, and diversify beyond traditional paper assets.

FAQs

What are Trump’s new 401(k) rules?

New reforms allow 401(k)s to include alternative assets like Bitcoin, gold, and real estate, giving ordinary savers investment options once reserved for the wealthy.

How can I invest my 401(k) in Bitcoin?

Recent policy changes now permit 401(k) plans to include digital assets. Check with your plan administrator to see if Bitcoin or Ethereum are available options.

What are the risks of putting a 401(k) in alternative investments?

Assets like crypto and real estate can be volatile and require active management. It’s crucial to understand these risks and not rely solely on Wall Street advice.

What is the SECURE 2.0 Act for retirement?

It’s a law that expands 401(k) investment options to include private equity and digital assets, and changes rules for high-income catch-up contributions.

Zafar Naik and Qadir AK

Zafar is a seasoned crypto and blockchain news writer with four years of experience. Known for accuracy, in-depth analysis, and a clear, engaging style, Zafar actively participates in blockchain communities. Beyond writing, Zafar enjoys trading and exploring the latest trends in the crypto market.

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