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F.U. Money Book Review- Dan Lok Knows the Secret

In the spirit of full transparency, know that this F.U. Money book review contains affiliate links. This means if you make a purchase through these links, I may receive a small commission at no extra cost to you. In fact, you may receive a discount or some money for free! Click here to read my full disclosure policy.

As you read every word of this F.U. Money book review you will discover how to make as much money as you want and live your life as you please. 

F U Money Review

Imagine what it would be like to live your life knowing that you can do what you want when you want. 

It does beg the question…

“Why doesn’t everyone live life this way?”

You don’t realise it yet, but in the next 2 minutes, you’re going to learn how this is possible for ANYONE to do.

F.U. Money Book Review- The Overview and Rankings

  • Name: F.U. Money- Make as Much Money as You Damn Well Want and Live Your Life as You Damn Well Please
  • Author: Dan Lok – 88 out of 100
  • Originality: 85 out of 100
  • Practical methods: 75 out of 100
  • Enjoyability: 96 out of 100
  • Price: Kindle $8.50 | Audiobook $19.59 | Paperback $13.33
  • Maketimeonline.com Rating: 86 out of 100
F.U. Money book review

Pros and Cons


  • Straight talking no BS approach to the book
  • Motivating and makes you want to take action
  • Shows the 9 characteristics of the ideal business
  • Can help you to assess what you’re doing and whether it is scalable
  • Opens your eyes to the possibilities in the world right now
  • Great tips on Internet marketing


  • Some people may take offence to the straight-talking approach
  • He pretty much spells out the best business model (but doesn’t provide practical tips for how to start… so it leaves you wanting more)
  • Points you in the direction of his website (I expected to see a course or something sold but it’s just his book)

Who is This F.U. Money Book Review for?

Now, let me ask you this…

Are you ready to take action?


Not just kind’ve think you’re ready.

It may sound wishy-washy but this book really is for people who are ready to make a BIG change in their life. 

It is especially for:

  • Internet marketers
  • People ready to take action
  • Those On the path to financial independence retire early (FIRE)
  • Somone fed up in the job or working for someone else
  • People that WANT to learn new skills
  • An entrepreneur wannabe
  • A business owner

So read on to find out what you can learn from the book…

What’s F.U. Money About?

F.U. money is the amount of money you make where you can literally say “fuck you” to anyone you want without consequence.

It’s about freedom!

Dan Lok mentions how he really does enjoy the free things in life. 

Such as a good conversation with a friend.

However, he points out that reaching this F.U. money stage allows the freedom to do these things more often. 

Is this starting to sound familiar?

Dan Lok came to America with no money, no connections and without being able to speak English. He’s now a self-made millionaire and he was born in 1981!

The thing is most people won’t reach this stage due to three things:

  1. Myths about money
  2. The mindset 
  3. No plan

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The Seven Golden Keys to Internet Riches

There are some amazing lessons in this book but if you’ve read anything on make time online before you will know how important making money online is in today’s world.

So here are Dan Lok’s seven golden keys to Internet riches:

#1 The Market Comes First

And as you absorb this information you will realise that this is the most important key to being successful in any business, but especially an online business.

Research what your market is ALREADY spending money on. 

Not what you think they would like!

Here are a few questions to ask yourself:

  • Is the market already selling something similar to what I’m thinking of selling?
  • Are people looking for something for FREE, or do people buy this?
  • Is the market big enough?
  • Can I joint venture with existing partners?
  • Am I going to be able to drive traffic to my website and get people to buy my products?

Sell somehting that is already proven to sell. If you want to find where money is being made, look no further than where moeny is being spent

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#2 Create a simple website that SELLS

Little by little you begin to realise your website MUST be built to sell. 

It doesn’t matter how professional it looks or how many visitors you get each month. 

You will only get one shot at turning a visitor into a customer so everything should be built to do one thing:


#3 Build a business

Now, I can almost hear your mind saying “but I don’t want to push sales on people”.

As you keep reading this article you are beginning to realise that creating a simple website that sells doesn’t mean you have to do this.

Assets in the online world are:

  • Customer lists
  • Products
  • A brand

Are you beginning to see that building trust and a customer list is just as important (if not more important) than selling?

Yes, you only get one shot to impress a visitor but that doesn’t mean you HAVE to sell to them straight away. 

Building a relationship and SOLVING their problems can only be done if you stay in contact with your readers.

Small distinction, BIG difference.

#4 Create multiple income streams- not loads of different businesses

Have you noticed yet that a lot of people in the online world have different websites with different niches?

The issue is that people often drive themselves crazy in the process of jumping into one market and another. 

Dan Lok recommends you to sell to one market and serve the needs of ONE group of people

Exhaust every way to make money within that one market.

If you can do this you will make more money than if you jump from one market to the next.

Note- some BIG time online marketers may have different niches and markets. 

The best ones will only do this AFTER they are successful in one market. 

How do they do this? Read #5…

#5 Leverage TIME and resources of others

The best online businesses know how to leverage their time. 

And we know how important time is now, don’t we?

Time is more important than money. You can always get more money, but you can never get more time.

The beauty of the Internet is that it’s so easy to outsource different tasks and make the most of other people’s experience and time. 

Dan Lok even says it himself…

He’s not a techie. 

He doesn’t know how to code.

Websites like upwork.com mean he can easily outsource this to someone else 

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#6 Use your personality to sell

People buy from people they know and LIKE.

You have to be able to use your own personality on the Internet. 

Write the way you talk.

Communicate one-on-one, not one-to-many!

Be who you are but AMPLIFY it!

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#7 Position your business for automatic growth

Leverage the power of the Internet!

Use autoresponders to set up valuable content to be delivered to your customers.

Build this email list 24/7 with enticing opt-in boxes. 

How many times have you heard the money is in the list?

Get other people to do the tasks you don’t like (writing, editing, proofreading, advertising etc.)

This will allow you to…

Do more of what works rather than trying to fix what’s broken.

Now, let me ask you this. 

Where do you spend most of your time?

F.U. Money book review

My Final Opinion of F.U. Money

Wouldn’t it be amazing if you could wake up and choose what to do EVERY day?

This is another book that I know will rustle people’s feathers. 

Dan Lok is blunt and will make you question some of your life decisions. 


It’s up to you how you take this though. 

You can either become offended or really think about how you can use this information. 

Are you beginning to see that Dan Lok shows another way how financial independence retire early (FIRE) doesn’t have to be a distant dream? 

It can become a reality quicker than you think.

And have you noticed yet that this is not a get rich quick book?

It’s a “use the power of the Internet to get rich quicker than you otherwise could” book.

It’s a book by someone that’s walked this path and is showing you the changes you need to make to get there. 

One thing that I know for a fact…

If you do want to reach financial independence and retire early, you will have to find ways of making more money. 

A side hustle is a must!

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An Evergreen Strategy That Brings You The Money

It wasn’t that long ago that I was still trying to figure out how it’s possible for people to make money online.

The biggest issue I found was that most systems either required a load of time, money or for you to sell to all your friends and family. I wanted to find a passive system that had a few things:

  1. I could work on when I wanted (I was still in a full-time job)
  2. Didn’t cost a fortune to start and maintain
  3. Didn’t need me to sell stuff to my friends and family

It was in September 2018 that I found the system that I still use today to make a passive income stream. In September 2019 I quit my full-time job.

The best thing about it is:

  • It’s free to start
  • Customers are brought to you that are already interested (just think about how you found this review… there was no money or time spent from me promoting this!)
  • You get me as a personal coach to help you on your journey

When you try out this program you will see why so many people recommend it.

No credit card details required

F.U. Money Book Review: The “MakeTimeOnline” Final Word

As you get closer to the end of this F.U. Money book review, you begin to feel a sense of excitement. 

Dan Lok is another person who has managed to make enough money to be financially free at a young age. 

He didn’t start with a load of money or get a business handed down to him.

He worked hard and figured out ways to make more money.

Little by little you begin to see how this freedom is possible for ANYONE to reach.

When you read this book you will discover why so many people get excited about it. 

Imagine what it would be like if you could find out…

  • The 8 myths that are keeping you from making your F.U. money
  • The F.U. Money mindset
  • What the number one reason is that most people don’t reach their F.U. Money
  • The 9 characteristics of the ideal business
  • The money secret shared by Richard Branson, Bill Gates and Warren Buffet
  • How Dan went from rags to riches on the Internet

Plus a lot more! You have to read it to believe it!

At the end of his book Dan makes a bold statement:

If you don’t take some small action towards F.U. money within 24 hours of finishing the book, you will never take any action. 

I’m going to leave you with that thought…

Keep changing for the better,


P.S. Wouldn’t it be amazing if you could making money online to free up your time? You can fast track your results with the email course below and learn more about my #1 recommended program

Review of Rich Dad Poor Dad- Where it All Began!

This is without a doubt THE “Godfather” of finance self-development books. In this review of Rich Dad Poor Dad book, I intend on showing you why this book was so valuable to me and also some of the lessons taught in the book.



The book is basically a personal finance book told through a parable. It’s all about Robert Kiyosaki’s “Rich Dad”, who was actually his friends Dad (a wealthy businessman), and his own “Poor Dad”, who was a well-educated teacher that never got to grips with money.

I can’t wait to get into it so let’s not waste any more time here…


Rich Dad Poor Dad- The Overview and Rankings

  • Name: Rich Dad Poor Dad, What the Rich Teach Their Kids About Money- That the Poor and Middle Class Don’t
  • Author: Robert Kiyosaki- 100 out of 100
  • Originality: 100 out of 100
  • Practical methods: 89 out of 100
  • Enjoyability: 100 out of 100
  • Price: Kindle $7.48/ Paperback $6.98/ Hardcover $19.98
  • Maketimeonline.com Rating: 98 out of 100

Pros and Cons


  • Provides so much financial intelligence relevant to the information age
  • It can reshape the “normal” way you think about money (well it did for me!)
  • Explains complex financial terms in simple easy to understand language e.g. financial statements, assets, liabilities etc.
  • Provides so much motivation to want to learn more
  • Makes you WANT to take action
  • Shows how you can get started immediately for free- Words are free, so change your words!
  • Explains different asset classes- Business, Real Estate, Paper Assets and Commodities


  • The cheesy title can put people off.
  • It can come across as “salesy” or “preachy” and some people just never want to be sold to. Even if what he says makes perfect sense!


Who is RDPD for?

Anybody that is not happy in their current job. Anyone that wants to be able to live a lifestyle that they want. Anybody that doesn’t want to stress about not having money for the rest of their life. Anyone that is looking to invest their hard earned money into something. It pretty much covers ANYONE!

The book is easy to read, with so many stories in it. If you hate thinking about money and worry that you don’t understand personal finance stuff, this book makes it so simple! My only regret is that I didn’t read this book sooner.

If you type in “Rich Dad Poor Dad Book Review” into Google you will probably find a LOT of negative reviews. Why? Because people tend to look for negative reviews as they feel they can find out what they want to hear about a book.

Just think about any product you’re interested in buying. If there are 200 positives and only 3 negatives, do you read the positive reviews? Of course not! You’d search for the negative ones and decide if what they are saying is legitimately a reason to put you off or if they are just fussy or had a one-off bad experience.

Well as always I’m going to be completely honest with you, from my own point of view. You can make up your own mind about what you think.


The 6 Lessons

Lesson 1: The Rich Don’t Work For Money

Personally, I think this title should be: “The rich have money work for them”, which is actually the subtitle but this is the main lesson.

Trade your time for money… This is hands down the WORST relationship that people have in the information age! It is still ingrained into us that unless we put our own time into something we cannot get paid. This is true to a certain extent but the thing that has changed is that we can now put the time in once and get paid over and over again for this. Read more about this here.

A lesson that Robert’s “Rich Dad” taught him was not to work for money. He did this by getting Robert to work for FREE! Imagine if from an early age we did things to learn or for the internal joy of doing something.

I’ve actually learnt a lot about this concept in recent years as a teacher through “Positive discipline”. A large part of t

his is not rewarding students with points or medals for making good choices, whilst not “punishing” poor choices by removing something. The idea is to make the students want to make good choices for themselves, whether rewards or “authority” are present. As soon as a reward is given for an action, it becomes very hard for students to do the same thing again without a reward.

This is the same with us and money. Do you know anyone that says, “I’m not interested in money”? I bet it would be almost impossible to get these same people to carry on with their job if they didn’t receive a paycheck at the end of the month. This really questions what value and pleasure most people are getting out of their job! People have their job to get that paycheck at the end of the month.

Money can work much harder than we can 24/7… 365!


Lesson 2: Why Teach Financial Literacy?

This is hands down the most original, controversial game changer part of the book.

The 2 biggest terms I have learnt about money and when you wrap your head around these, your whole life can change:

An Asset = something that puts money in your pocket every month.

A liability = something that takes money out of your pocket every month.

With these definitions, this means that the big family home that you’ve worked so hard to get your whole life is technically… a liability!!!

Can you imagine how people felt when they heard this? There was uproar and people labelled the book as a joke… Then 2008 happened and people brutally found out what Mr Kiyosaki was talking about!



The above financial statements demonstrate how the poor, the middle class and the rich spend their money, respectively. I personally believe that when you understand these statements, everything you work towards buying will change (it certainly has for me).

The book says that you become rich by accumulating assets. For example, my rental property is an asset and this website could potentially be an asset for years to come. If people read this post in years to come and purchase something through this website it is a few hours that I’ve spent after a day at work that has unlimited potential in how much money it could generate for me.

I am putting the time in now to generate income over and over again in the future.

I read this book in 2014 but it wasn’t until the summer of 2015 until really understood this part of the book. Our house that we used to live in, in Buckinghamshire used to cost us pretty much all of the money that we earnt as teachers. All of a sudden we lived over 3,000 miles away and it was putting money into our pockets every month…

Our liability had become an asset!


Lesson 3: Mind Your Own Business

What’s your side hustle?

If you are in a job and you’re reading this, I would like you to think about this question a lot over the next week. If you don’t know, start to really think about your lives purpose, vision and values.

We need to spend more time sorting out our own finances rather than spending them on shopping. One of the main reasons why I do not advocate spending your time being frugal or finding great discounts etc. is that when you focus on increasing your income, you find you don’t have as much time to spend spending your money! The “live below your means” financial gurus are not telling you what to do, they are just telling you what NOT to do (and we already know this deep down!!!)

Increasing your income is a double-edged sword in a good way. Just like “positive discipline” you are focusing your mind on what you want to achieve rather than what you don’t want to achieve! If I told you to be frugal and to only spend 20% of your paycheck, you would constantly be fretting about money. If I told you to spend the next month learning as much as possible about affiliate marketing and writing a blog, you would spend your time learning a valuable skill, writing about things that interest you and you wouldn’t have as much time to spend your money on “stuff”!

We all know we don’t need half the stuff we have, we all know that we “shouldn’t” spend more money on clothes! But it’s hard to stop a habit until you can replace it with another habit (read more about habits here).

My question to you is why can’t this other habit be rewarding, enjoyable and be a side hustle?


Lesson 4: The History of Taxes and the Power of Corporations

BORING!! I hear you scream!

Yes, taxes may be the most boring thing on earth. But that is why accountants exist! Anyone with a great accountant will tell you they are worth their weight in gold!

I imagine some of the examples in this section are exaggerated slightly or are not overly simple, but I didn’t get too worked up over the particulars.

The main point is that if you are working as an employee you get ZERO help from taxes. If you use corporations, then you can have “business-related expenses” offset against your tax bill (and the great thing is you can carry on driving your car or using your phone all year!)

Since reading this part of the book Sarah and I have set up a limited company in the UK for our property business. We also have moved to Qatar, a tax-free country, but that was a side benefit of it to us (obviously!!)

We have quarterly (every 3 months) finance checks and use a Rich Dad template to assess our spending and income. I have just dug out one from April 2014 compared to September 2018, I am actually amazed at the difference (plus the passive income will increase over this next year).

The first statement is our April 2014 Financial Statement Analysis and the next analysis is our September 2018 Financial Statement.

If you want this financial template, (which does the analysis for you, all you do is put in your income/ expenses) it is included in the welcome email if you join the maketimeonline newsletter– check the sidebar or bottom of the page to receive this.

Being accountable is a great way to make changes. The only way you can be accountable financially is if you track your finances, so make time to do this TODAY (if you wait until tomorrow, life will happen and it will be tomorrow again and again!)


Lesson 5: The Rich Invent Money

What’s that… Money doesn’t grow on trees? Well…

This is a part of the book that Robert uses an example of how to create money from your mind. His example is a property deal that put money (tax-free as it was from a loan) into his pocket and generated a monthly income. I genuinely was bewildered by this concept and thought he must be making this up. However, we are potentially 2 months away from doing a very similar thing with a property that we have bought (I will keep you posted!)

However, the best way in today’s world to do this is through the internet! It has never been easier to create your own content or products (through information, books and online courses) and this is literally using your own brain to produce an income. You don’t have to spend ANYTHING on this (apart from time) and it can generate an income for years to come.

So money may not grow on trees but it certainly can grow from your mind!


Lesson 6: Work to Learn – Don’t Work For Money

Again, I’ll go back to the earlier example. Imagine if everything we did was to learn or for personal fulfilment?

Here’s my story after I left University:

I had NO idea what I wanted to do with my life! So I started applying for jobs just like everyone else. Jobs in London as a recruitment consultant, a salesman and anything that said something like “no experience required”.

I started getting some offers for certain recruitment positions but for some reason, I always talked myself out of it. I would think to myself that these people are too “pushy” or I didn’t want to commute to London every day or the pay wasn’t good enough (I don’t know what I was expecting!!!)

I ended up applying for one position that was a sales position “working in the field”. It turned out to be door to door sales! I turned up at 2 pm and was paired up with another guy and spent a day “in the field”.

When I got back to their office (around 9 pm – it was dark and I was exhausted) I had a chat with the guy who “interviewed” me. He explained how the post was 100% commission but you can move up the company and end up having a team beneath you (you’d earn commission on all of their sales). I left their office to find my car had been clamped and I had to call some number and pay this guy £250 cash! All in all, this was a very bad day!!!

However, for some reason… I nearly accepted it! I couldn’t explain why to any of my family and I thought I would be judged if I did. I hadn’t read this book yet, but it was because I wanted to “work to learn”. I just couldn’t explain this to anyone else.

That evening my Dad said there was a position in the pharmacy at his Doctor’s surgery, so I went in the next day and started working straight away. It’s safe to say that I learnt diddly squat in this job, so I moved into teaching 3 months later!


Why are the Title’s and Sub-Titles so Controversial?

Controversy Sells!!

Robert Kiyosaki jokes continually about being a “best selling author”, not a “best writing author”.

The title’s need to be controversial to get people paying attention to them. If he wrote a book called “financial statements- assets and liabilities explained” do you think people would even pick it up?

The theme throughout the book is how entrepreneurs get so many advantages compared to employees. Every entrepreneur needs to be able to sell. In fact, everybody needs to be able to sell, even if it’s just you selling your idea over what to watch on TV.

When you actually read the words in the book it’s hard to argue with. Some of the titles and language he uses to describe employees can be seen as offensive and demeaning. However, he actually still talks about some of the standard financial advice you hear from everyone.



His “rich dad” is actually quite careful with his money. Although he has a business and earns good money, he drives a “normal” car and doesn’t live in a mansion. Too many people equate rich with material things, but these same messages come up time and again. You don’t go and buy a Ferrari on finance!! When the cost of a Ferrari is pocket money, then you can pay cash if you must!

People become very defensive when they are challenged for living the way that they currently are. This can make them find the negatives in everything and miss all of the crucial potentially life-changing messages in the book.


What Have I Done Since Reading This Book?

I read this in 2014 (about 4 years ago). The number one thing I’ve done… I’ve learnt more!

This book sparked some interest that I didn’t even know I had… reading self-development books and improving myself continually. I have read well over 100 self-development books since this. Some have been great, others utter garbage, but I learn something each time.

Sarah and I have been on property courses and met some amazing people who are “crushing it” in life. Our business partners deal with millions of pounds worth of property, I have spoken with people earning 6 figures a month online and I continue to talk to new and inspiring people.

We started a UK property company, which focusses on buying HMO’s (shared house) in England. I certainly never thought I’d technically own 2 companies before turning 30!

We started a blog in 2017 and I have since started this online business. I want to help as many people as possible choose to do what they want in life and find ways to increase their cashflow, rather than having to work paycheck to paycheck. It’s all about creating TIME!

We now set goals annually, quarterly and weekly. These are broken down into smaller daily goals that help us to achieve our bigger and longer-term goals in the future.

We have changed our morning routine and daily habits. I got up early this morning and am currently writing this before going to work. Sarah is doing some yoga… If someone had told us we’d be doing this before work (we leave at 6 am!) a few years ago I would have told them they are crazy. The reason we do this is due to a book called “The Miracle Morning“, which was actually a recommendation from Robert Kiyosaki!

At no point does Robert directly tell you what to do. It is open to interpretation and depends on what your own goals are in life into which route you take.

The main message throughout the book is to keep learning- how can this be a bad thing?



Rich Dad Poor Dad: The “MakeTimeOnline” Review Final Word

This book has literally changed my life. It was the first real self-development book I read so it’s hard to say whether I am biased towards it because of that, or if the book is really that good!!

On that same note, if I had read some other self-development book that was painful for me to read (and I’ve read a lot of these!) then there’s a good chance I would have not bothered with them anymore!

The main lesson is understanding assets and liabilities. The key to becoming “rich” is to acquire assets and limit your liabilities.

For me becoming rich means creating a life where I have the time to choose what I’d like to do. I have some monstrous goals that I’d like to achieve in life, and I know I’m not going to be able to do this by relying on a paycheck each month.

This book was my first jigsaw piece to figuring out how to make money online to free up my time. I continue to find new pieces all the time but I wouldn’t have even started looking if it wasn’t for Rich Dad Poor Dad.

Keep changing for the better,




If you have any questions and I mean ANY questions about RDPD, please leave them below. If you have read the book before or have any of your own opinions I’d love to hear from you too.


If you are interested in making money online to free up your time, have a look at my #1 recommended program here, which I am currently using.