A wildfire doesn't need to reach a home directly to destroy it. Most homes lost in a wildfire actually ignite from wind-blown embers landing on something flammable right next to the structure, which means the small, immediate zone around a house often matters more than the fire itself. That's the logic behind a growing body of research and a wave of new state regulation focused specifically on that narrow ring of space.
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Editor’s Note: Robert Kiyosaki, author of Rich Dad Poor Dad, the #1 personal finance book of all time with over 40 million copies sold, has spent decades teaching everyday Americans how the wealthy actually build income. He called the 2008 housing crash before it happened, warned investors to buy gold and silver well before their historic runs, and has been pounding the table on cash-flowing assets for over 30 years. Today, he’ll show you an income play funded entirely by America’s oil and gas infrastructure — one that’s already paying some investors $25,000 a month and is the closest thing to universal basic income that may ever exist. Click here to see the details or read more below.
Dear Reader,
“There will be no poverty in the future.”
That’s what Elon Musk posted last December.
No poverty. No need to save. Universal high income for everyone.
When? He didn’t say. 10 years? 20? 50?
It doesn’t matter. You don’t have to wait around.
America’s solution to universal basic income already exists.
It pays out 10% a year. It makes 42 payouts, roughly once a week. And it is not funded by U.S. tax dollars.
It actually has nothing to do with the U.S. government — and thank God for that.
Instead it is funded by 14 partnerships that control America’s most critical infrastructure.
That’s why I call it the Patriot Income Plan, or P.I.P. for short.
There are no requirements on your part. All you have to do is enroll and become a unitholder. Once you do, you will receive 10% a year on your money.
This is on top of the 20% avg. annual gains these partnerships have produced since 2020.
One investor already collects $4,800 a month. Another hasn’t worked in years. One has built his income up to $25,000 a month. Charles L., another P.I.P. unitholder, says he makes around $1,000 a day.
So yes, you can wait for Elon. Or you can enroll in P.I.P. and start collecting right away.
The next payout drops in days.
Sincerely,
Robert Kiyosaki
Editor, The Kiyosaki Letter
Why the First Five Feet Matter So Much
Wildfire defense works in layers, starting with what's called Zone 0, the first five feet immediately surrounding a home, where regulations increasingly require removing anything combustible entirely, mulch, plants, stored firewood, anything an ember could ignite. Beyond that, defensible space extends out to 100 feet with progressively less strict vegetation management, and hardened building materials, a fire-rated roof, ember-resistant vents, non-combustible siding, address the structure itself.
Post-disaster research from UC Berkeley examining homes after major wildfires found that homes with both hardened construction features and proper defensible space survived at nearly 50 percent, compared with roughly 20 percent for homes with neither, a substantial difference driven largely by ember exposure rather than direct flame contact. California's Safer from Wildfires regulation now requires insurers pricing policies by wildfire risk to give explicit credit for documented mitigation, including a Class A roof rating, ember-resistant vents, a cleared Zone 0, and broader defensible space, with insurance industry data showing hardening can reduce the wildfire portion of a premium by more than 13 percent in some cases.
New laws effective at the start of 2026 go a step further in several states, including a California program establishing state grant funding specifically to help homeowners afford hardening measures like fire-safe roofing and Zone 0 clearance. In high-risk areas, documented mitigation is increasingly less about a modest discount and more about whether a home remains insurable at all, as insurers pull back from areas where risk can't be adequately mitigated or verified.
The Hardware Stack:
Class A fire-rated roofing: Roofing materials tested and certified to the highest fire-resistance standard, a foundational element of wildfire-hardened construction.
Ember-resistant vents: Specially designed attic and foundation vents that block wind-blown embers from entering a home's interior structure during a wildfire.
Firewise USA: A national community recognition program that documents neighborhood-level wildfire mitigation efforts, often referenced by insurers alongside individual home hardening.
Vulnerability Score
Combustible material in Zone 0: Mulch, stored firewood, or plants within five feet of a home's exterior gives wind-blown embers direct fuel exactly where they're most likely to ignite a structure.
No documented hardening: A home with genuine hardening improvements but no documentation to show an insurer may miss available discounts or, in high-risk areas, coverage eligibility entirely.
Untested roof and vent materials: Older roofing or standard vents without ember-resistant design represent one of the most common paths for a wildfire to actually enter and ignite a home.
What This Means for Anyone in a Fire-Prone Area
The gap in survival rates between hardened and unhardened homes is large enough that this isn't a marginal consideration in high-risk regions, it's one of the more consequential home investments available, and it increasingly determines insurance access as much as pricing. Clearing Zone 0 costs very little compared with a full hardening retrofit and is one of the highest-leverage steps a homeowner can take immediately.
Anyone in a wildfire-prone area should check whether their state offers grant funding for hardening measures, document any mitigation work already completed, and specifically ask their insurer what credit is available for each qualifying improvement, since that information directly affects both premium and, increasingly, whether a policy is offered at all.
Written by Mason Vance
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