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FIGR_HELOC $1.00Kiyosaki warns millions of boomers could be homeless and repeats bitcoin call
The Rich Dad Poor Dad author says a stock and bond crash could hit retirees, and repeats his call to buy bitcoin, gold and silver.
Key takeaways
- The mix is 60/40. Kiyosaki says retirees holding 60% in stocks and 40% in bonds could be forced to withdraw at a loss.
- His record has gaps. The S&P 500 fell 1.42% in February 2025 and finished that year up 16.39%.
- Gold demand is expected to rise. A June survey found 89% of responding reserve managers expected central bank gold holdings to rise.
What happened
Robert Kiyosaki warned that a market crash could drain baby boomers' retirement savings and leave some of them without homes. In a Sept. 27 post on X, the Rich Dad Poor Dad author said falling bonds would be followed by a stock market crash, and he repeated his call to buy bitcoin, gold and silver.
He wrote that millions of boomers may be homeless or moving in with kids and grandkids. Kiyosaki tied that risk to the 60/40 portfolio, a retirement mix of 60% stocks and 40% bonds. If both parts lost value close to retirement, withdrawals for rent and living costs could make rebuilding savings harder, he said.
Kiyosaki said he has ended his posts with the same recommendation for years. He also pointed to his call on the Lehman Brothers crash in 2008, and said he hopes he is wrong but does not think he is.
Why it matters
The warning lands on retirees who depend on their savings and have fewer working years to recover from losses. Kiyosaki's latest message put more weight on the stock-and-bond mix and on that limited recovery time.
His bitcoin recommendation rests on his view of monetary instability. The report notes that bitcoin's fixed supply underpins its appeal to investors worried about monetary instability, while its price can also fall sharply over short periods.
Some of his earlier calls did not land as predicted. His own Rich Dad website acknowledges that his forecast of the biggest crash in 2016 missed its timing, and a second report says he missed several deadlines while still calling the stock market worthless.
What the data shows
In January 2025, Kiyosaki predicted the biggest stock market crash in history would arrive that February. The S&P 500 fell 1.42% that month and finished 2025 up 16.39%.
On gold, a June World Gold Council survey found that 89% of responding reserve managers expected global central bank gold holdings to rise over the following year. The report says that finding supports interest in gold but does not demonstrate the worldwide bond sales or stock market crash Kiyosaki predicts.
Kiyosaki equated the Employee Retirement Income Security Act with the 401(k). The report notes the dates differ: ERISA was enacted in 1974, while 401(k) plans were authorized under a 1978 amendment to the tax code.
Background
In May, Kiyosaki predicted millions of boomers could face financial trouble and homelessness in 2026. Earlier in September he said a crash had begun, citing debt, war, artificial intelligence speculation and retiring baby boomers. In July he singled out U.S. bonds, some stocks and retirement accounts as vulnerable in a future downturn.
Questions readers ask
What did Robert Kiyosaki warn about baby boomers?
He said millions of boomers may be homeless or moving in with kids and grandkids if a market crash drains their savings. He tied the risk to the 60/40 stock and bond portfolio used in retirement planning.
What does Robert Kiyosaki tell people to buy?
He has repeated a call to buy bitcoin, gold and silver for years. He said those are the assets he has recommended in his posts.
Have Kiyosaki's crash predictions been accurate?
The report says his claim of accurate calls overlooks missed deadlines. His own Rich Dad website acknowledges that his forecast of the biggest crash in 2016 missed its timing, and after his February 2025 prediction the S&P 500 fell 1.42% that month and ended the year up 16.39%.
What is the 60/40 portfolio Kiyosaki criticized?
It is a retirement mix of 60% stocks and 40% bonds. Kiyosaki said losses in both parts near retirement could force withdrawals that are hard to rebuild, a mix he called a cocktail for disaster.
