Huddah Monroe with Jeff Koinange. Rarely do “A” students become rich and they work for “C” students according to Kiyosaki. [Photo/Huddah Monroe]
Huddah Monroe with Jeff Koinange. Rarely do “A” students become rich and they work for “C” students according to Kiyosaki. [Photo/Huddah Monroe]

How come many of million-dollar lottery winners, well-paid athletes and well-managed entrepreneurs wake up one day to find they are broke?

How come a student works hard and smart in school to attain an‘A’ grade to get the best and well-paying jobs, to afford basic needs and luxurious desires and be financially stable, but never achieves such desires fully?

Why is it that some people work for other people? But why is it that money works for other people (a few) and other people (many) work for money?

But how comes that ‘A’ students work for ‘C’ students, and ‘B’ students work for the government?

Robert Kiyosaki, the author of a book, Why “A” students work for “C” students and “B” students work for the government asks: “How does a “C” student work for “A”? and frankly answers: “By studying what “A” students do not study.”

We are in a crisis, he says. But the crisis is not that of money. The real crisis is in the education sector. The education systems we have teaches students how to be a successful employee rather than start their own business.

Vera Sidika. [Photo/Ghafla]

The crisis is caused by education systems that orient students towards finding a high-paying job rather than creating high-paying jobs, climbing the corporate ladder rather than how to create companies and corporate ladders, jobs security rather than financial freedom, and teach little to nothing about money.

It persuades students to believe that with good grades they will earn a decent job that comes with a great salary.

The students upon graduation turn out to be intellectually capable but are financially daft. After a degree, the students go back to school to get masters and even a PhD to climb up the corporate ladder.

He says that the education system has always focused on two types of education: academic and professional education, and rarely financial education.

That academic education supports the general skills of learning such as how to read, write and solve arithmetic problems. Professional education provides specialised skills to earn a living. Out of this education, we get doctors, engineers, lawyers, business executives and accountants, among others.

According to Kiyosaki, the mantra, ‘go to school, get a decent job, earn more and be rich’ is an outdated and obsolete financial advice. This is because the Return on Investment (ROI) on education is now minimal.

But that is not to say, one should abandon going to school. The point is that one should change the approach and perspective of education. That is, go to school not to get a job but to create jobs.

They say: “Give a man a fish and you feed him a day. Teach a man to fish and you feed him for a lifetime.” Kiyosaki asks: “Are our schools failing to teach students to fish? Or are our schools teaching students that they are entitled to their daily fish?”

This could be the reason so many students come out of college looking for jobs. That is why so many people are dependent upon the government to provide jobs and basic life support.

Types of students

A’ students

These are the academic-oriented students. He refers to ‘A’ students as managerial capitalists (CEOs & directors) running large corporations. They are employees and not entrepreneurs. They graduate from the finest schools. They did not start the business and do not own the business. They get paid whether they do a good or a bad job.

These ‘A’ students are conditioned to think that making mistakes is bad and therefore, they avoid risks of making mistakes. That most of them are content to know that 2 + 2 = 4. But most do not know how to turn 2 + 2 into four dollars or millions more.

B’ Students

Refers to bureaucrats who run the government. They know how to spend money but do not know how to make money. For them to get more money to spend, they increase taxes.

The ‘B’ students are taught by ‘A’ students. They get paid whether they do an excellent job or a bad job. When you give a bureaucrat one dollar, they will spend a hundred.

Huddah Monroe who runs the Huddah Cosmetics. Starting a business and becoming your own boss is not impossible if you have the persistence.
Huddah Monroe who runs the Huddah Cosmetics. Starting a business and becoming your own boss is not impossible if you have the persistence. [Photo/Huddah Cosmetics]

C’ Students

These are true capitalists. They are entrepreneurs who know how to take a dollar and turn it into a hundred dollars. They invest in businesses, products and services that create jobs and opportunities.

Unlike ‘A’ students, the ‘C’ students want to know how to make 2 + 2= $4,000, 000. To the capitalist, that kind of math is worth studying.

Reading this book without taking it with a pinch of salt can turn out to be one of those motivational books that will impart you with enthusiasm as after reading you will realise that enthusiasm without knowledge is no good.

Ask yourself:

How do I quit my 8am – 5pm job?

How do I get some capital to invest in a business?

Am I willing to take some risks?

Are you willing to go from failure to failure?

Know that entrepreneurship is not for everybody. But the most important thing is to be financially intelligent. For instance, if you are employed or own a small business, how do you spend your money?

He says: “One reason why so many people struggle financially is that they cannot delay their gratification. Most people would run out and buy the Porsche (read Mercedes, Range) on credit, using bad debt.”

Being employed as a junior worker, senior manager or a CEO or running a small business doesn’t imply that you are an ‘A’ student forever. You simply need to learn the basics of a ‘C’ student: Know how to invest, take risks and learn from your mistakes.

Read: Former Capital FM journalists to head PR agency


  1. So the C student went to a different school to learn how to make 2+2=4000000? My friend don’t play with our minds, we all went to the same school, our education is legit, Bill Gates, FB founder all went to school and were well educated and now are billionaires, in our nation billionaires never attended any school and that’s why they loot Kenya to the ground to sustain their wealth, they can’t reason or think. They use you to ensure the elite loses hope .

  2. First of all, Hudda is the wrong person to put on this article as an example of an ENTER-preneur. Not everyone can offer the services she has offered to rise up the financial ladder. Kyosaki make his money by selling motivational books that frustrate more that inspire the youth, who are made to believe they are not doing enough. Very few people (like Bob Marley and Kipchoge) get rich out of talent. The majority inherit from their rich parents, or get to politics and steal from the poor. LET THESE MOTIVATIONAL SPEAKERS NOT FRUSTRATE YOU. WE CAN’T ALL GET C’s and E’s

  3. I think most people don’t understand the interpretation of this book according to the comments, Robert has not said no one to go to school but he meant as you go to school acquire financial intelligence,

  4. Penned down correctly!
    Financial knowledge is the key.Let people think of owning business, generating new business ideas, and above all think how to make 5 bob from 1 bob given.
    #Mapema mbuya√

  5. So all you of you are emotional after reading these brief and writing lots of bluff here😂😂, now go get the whole book and read so you get the true intention of the write-up.

  6. Have you considered the fact that most youth in Kenya don’t have enough money to save and survive? Most times youth have to chose between survival and saving because of limited opportunity to access enough income to invest

  7. Not all people will get A’s,some few will fall in category of B’s and C’s.Most of the A’s students feel like they are so assured of employment,same with B’s but for C’s student,they know that government and parastatals absorb the best and they’re not best.All they remain with is to venture into entrepreneurship,which may end up being eye-opener for they successful life.

  8. Situations have forced us to be the so-called “A” students. Here in Kenya you can spend your whole life looking for money that can start a sustainable business. If your parents did not give you land or business or any inheritance, which options do you have? Education is the only way.

  9. we all have different strengths and abilities and therefore can’t have the same formula to succeed. if one is a ‘A’ student they should be able to succeed and thrive in the field that can accommodate them. same with ‘B’, ‘C’, ‘D’,and ‘E’ student. unfortunately whatever class of student that is running our government and economy is so selfish and self centered that it is so difficult for others to succeed in others fields. Small business cannot be sustained because of the stringent requirements to operate either by government or financiers. those in employment can not negotiate for better terms because the rates of employment has stiffened the competition. the maths of 2+2=4 should work just as well as that of 2+2= $4,000,000 because their is a science to each that we know and apply differently.

  10. It’s a bare truth that our education system fail to enlighten the students about financial education which should be the main topic in schools but what we are taught is how to work from your Twenties and retire at sixty.Really money is found in business,salary will earn you a living but business will earn you a fortune.

  11. Most negative comments are from people who have felt the bitter truth of this article
    😂😂😂Chest pains though!


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