Intelligence is not important in becoming rich. Entrepreneurs such as Thomas Edison, founder of General Electric and Henry Ford, founder of Ford Motor Company, are just two examples of people who did not have degrees yet creates some of the largest companies.
The E (employee) quadrant might say, “I am looking for a safe, secure job with a good pay and excellent benefits. The S (self-employed) quadrant might say, “My rate is $75 per hour,” or “My normal commission rate is six percent of the total price.” A person from the B (business owner) quadrant might say, “I’m looking for a new president to run my company.” Someone operating out of the I (investor) quadrant might say, “Is my cash flow based on the internal rate of return or net rate of return?”
Each quadrant has core differences of its own which define what each of quadrant is about. The E (employee) quadrant is based on certainty and security. If a formal and official agreement is made between an employee and employer, the employee finds comfort in believing that they are entitled to additional rewards or assured extras. The mindset of an employee is controlled by the emotion of fear, causing them to set standards for themselves and posing statements such as , “I’ll give you this if you promise to give me that in return. “
Whereas the S (self employed) quadrant rely completely on themselves and are often viewed as fiercely independent souls. The self employed individuals are known to be people who prefer being the ones who determine how much they earn and what can/should be achieved. They are best described as the do-it-yourselfers. The core difference of the B (business owner) quadrant is that this quadrant reaches success by the ownership of a system. This quadrant requires smart thinking and not necessarily hard work. As a business owner technical and human skills are necessary to be able to lead a group of people. Investors on the other hand, make money with money, allowing their money to work for them. As an investor, it is important that the income generated exceeds the amount of expenses. Once that is achieved, you then qualify for the title of being a person of wealth. Being a wealthy person is measured by the amount of time that the money you have, will last.
OPT – means, other peoples time and is a long-term benefit. To be successful, good work resulting in harder work and longer hours are required. People who are part of the S (self employed) quadrant, hire employees to get the work done for them, meaning that the employer works less, earns more, and enjoys more free time.
OPM – means, other people’s money. Usually implying that the money of other people is what another’s income is generated by. An example of this is investing. If the business that someone has invested in does well, the investor benefits by receiving positive feedback on their investment.

The Industrial Age is a defined- benefit pension plan, meaning that the company guarantees the worker a defined amount of money paid monthly, for as long as you live, giving the receiver a sense of security.
Whereas the Information Age, a defined-contribution plan only pays back what you and the company have contributed while working, barely allowing a sense of financial security. Many people who are bound by the fear of taking risks are still stuck in the mindset of the Industrial Age, making statements such as, “I don’t need to learn how to invest. I have a government pension plan, a pension from the teachers union and guaranteed Social Security benefits. Why take risks with my money?” Not realizing that their financial security is not guaranteed due to the constant change of the economy.