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This work offers a summary of the book “MULTIPLE STREAMS OF INCOME: How to Generate a Lifetime of Unlimited Wealth” by Robert G. Allen. Robert Allen teaches people how to accumulate wealth through seminars, books and audio programs. He is the author of Nothing Down and Creating Wealth, both of which were New York Times #1 bestsellers. In Multiple Streams of Income, Robert Allen explains how to achieve financial independence in three phases. First, learn how to control your personal cash flow and develop good habits for handling it and investing it effectively. Then, develop and grow a portfolio of income streams from varied sources. Finally, learn and then apply the strategies by which wealth can be retained and passed on as a legacy in the future. Allen refers to a Spanish saying to express his philosophy: "'Salud, Dinero y Amor y Tiempo para disfrutarlo' — health, money and love, and the time to enjoy them. Some of life's greatest enjoyments and most of life's greatest disappointments stem from your decisions about money." In Multiple Streams of Income, the author gives useful tips to create income with little or no investment.