Rich Dad, Poor Dad Chapter 2: The Rich Don’t Work for Money | Powerful Creator Mastermind w/ Amber Breanna
- Amber Breanna
- May 27
- 5 min read
Updated: Jun 10
We are not just reading this book.
We’re applying it.
Integrating it.
Becoming it.
This week, as we opened our Powerful Creator Mastermind, I reminded the community that we’re not here to consume information passively. We are here to digest it, to embody it.
In the midst of life’s chaos, building our financial foundation matters. Not just to “make money,” but to feel safe, clear, and empowered.
Because money, at the end of the day, is energy. It’s an extension of who we are.
So we slowed down.
We tuned in.
And we got intentional about what this chapter was really saying:
The rich don’t work for money. They make money work for them. 💸
From emotional intelligence to breaking the cycle of fear-based decisions, this call was packed with reminders that we get to do things differently. This is our financial reprogramming together. 💰❤️
🎥 Watch the Replay
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💡 3 Powerful Takeaways from the Conversation
🧠 Emotional Intelligence is Financial Intelligence
This came up strong across the whole conversation. I kicked us off sharing how fear-based decisions—like spending from stress or avoiding opportunities—keep us stuck in cycles.
Michelle talked about knowing exactly where her money’s going, and Kelsey shared how she’s careful about who she even talks about money with, to protect her energy.
Rochelle reflected on how emotions influence spending without us even realizing it.
This conversation was a reminder: when we regulate our emotions, we reclaim our financial power.
💡 Redefining Wealth Starts with Unlearning
This truth landed heavy for us. Kelsey spoke about breaking out of the “save everything” mindset she picked up from her parents.
Rochelle shared her journey of shifting away from the belief that having wealth makes you greedy or wrong. And I reminded us—if our parents didn’t know how money works, we probably weren’t taught either.
But the beautiful thing is, we’re learning now. We get to choose new beliefs, new habits, new outcomes.
🏗️ Make Money Work for You—Not the Other Way Around
We all agreed—we’re done trading time for dollars. I talked about focusing on building assets, especially through this community.
Rochelle reflected on moving toward self-employment and realizing she’s already manifested a version of the freedom she once dreamed of.
Michelle went deep into strategy—debt management, taxes, even trust funds.
And Kelsey emphasized learning from people who are actually doing it differently.
We’re not here to work forever. We’re here to own our lives.
💎 BONUS TIPS from Powerful Creator Michelle Rodriguez
One thing I love about these calls is how much real, lived wisdom flows through every woman here. Towards the end of our conversation, Michelle dropped some gems that deserve their own spotlight.
Know Your DTI (Debt-to-Income Ratio)
Michelle reminded us: financial clarity is power. One key number every wealthy woman needs to know is her DTI.
💡 What is DTI?
DTI stands for Debt-to-Income Ratio—a key financial metric that shows how much of your monthly income is going toward paying off debt.
DTI = (Total Monthly Debt Payments ÷ Gross Monthly Income) × 100
This includes things like:
Mortgage or rent
Credit cards
Car loans
Student loans
Personal loans
✅ Why It Matters: Lenders use your DTI to decide if you're a low-risk borrower.
But for us, it’s also about alignment.
Ideal: Below 36%
Acceptable (for a mortgage): Up to 43%
High: Over 50% = red flag for financial stress
📊 Quick Example: If your monthly debt = $2,000 and your gross income = $6,000, then:
DTI = (2,000 ÷ 6,000) × 100 = 33.3%
This means 33.3% of your income is tied up in debt—valuable information when you’re creating a path toward freedom.
🧭 Why This Matters in Our Journey:
As we’ve seen through Rich Dad Poor Dad and our other resources, a high DTI keeps you locked in survival mode. Lowering it gives you breathing room to save, invest, and build assets that truly work for you. It’s a practical step that shifts you out of the “E” (Employee) mindset and into “B” (Business Owner) or “I” (Investor) energy.
Bonus Book Rec: Michelle also recommended The Psychology of Money—a must-read for reprogramming your mindset around wealth, habits, and the emotional side of money. It’s one of those books you come back to over and over again.
👉 Click here to download the PDF
🔥 3 Specific Action Steps to Apply Now
These aren’t just theories. These are practices. After reading Chapter 2 and reflecting deeply, here are three steps I took—and you can too—to start making this lesson real in your life.
1. 🧠 Identify Emotion-Driven Financial Decisions
We can’t shift what we don’t see. Start by getting emotionally aware about your money choices.
Write down 3 recent financial decisions (spending, saving, or investing).
Ask yourself: Was this decision made from fear, desire, or strategy?
Before your next purchase or money move, pause and ask:
“Am I reacting emotionally, or choosing from alignment?”
Journal a moment where you felt fear around money.
What did you do? What would you choose next time?
My reflection for example: I realized I was avoiding organizing my money because of fear and overwhelm. That created even more stress. Now I’m committed to handling my money in a peaceful, empowered space each week.
2. 📚 Shift to Learning How Money Works
Time is currency but wisdom pays you forever.
Commit to 30 minutes a day of financial education:
☐ Read a book (like Rich Dad, Poor Dad)
☐ Watch a YouTube video on assets or investing
☐ Listen to a podcast
Write down 1 concept you learned and how it applies to your life.
Reframe 1 limiting belief.
Old: “Money is overwhelming.”
New: “I am safe and powerful when I face my finances with clarity.”
My reflection for example: I study during my Thursday Money Power Hour. I’m reading Rich Dad Poor Dad and One Year to an Organized Financial Life, and I use my journal to integrate what I learn.
3. 💼 Build or Strengthen an Income-Generating Asset
The rich don’t work for money. They create assets that generate income.
Brainstorm 3 assets you could create: a digital product, a service, something passive.
Choose one to explore and block out 2–3 hours this week to take action.
Track your progress:
☐ Researched
☐ Took first step
☐ Shared with a mentor or group
My reflection for example: Right now, my asset is my community. I’m pouring into my leadership, setting up structures, and preparing to scale. Each week, I track how I’m mentoring, what energy I’m building, and what support I need.
🗓️ Join the Next Powerful Creator Money Mastermind
Every Thursday we come together live on zoom to discuss and support each other during our journey! RSVP to our next event to get the link sent directly to you!
💖 Personal Note from Amber Breanna
As I shared at the end of our call, what we’re doing here is bigger than just learning about money. We are breaking generational patterns.
We’re building a strong foundation for our future and we’re doing it together.
It’s easy to get caught up in the chaos of life, to slip into survival mode, to push financial clarity to the side.
But you’re here.
You’re showing up.
You’re asking the hard questions.
You’re doing the inner and outer work. And that matters.
There’s no pressure to be perfect. Just be present.
Week by week, brick by brick, you are laying the foundation of your empire.
The way we build wealth is the same way we build trust, power, and purpose—through presence, intention, and love.
You are not alone in this. You are supported. You are capable. You are rising.
With power & love,
Amber Breanna 👑
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