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.

Saudi Arabia figured it out.

They pay their citizens $3,600 a month per family. Just for existing. Funded entirely by oil.

Meanwhile, politicians in America are arguing about Twitter, while you get nothing from the $300 billion we generate from oil and gas every year.

But there is a way to collect.

It's called the Patriot Income Plan, or P.I.P. for short.

It's not a government program. It's not a stimulus check. It's not tied to an election or a budget vote.

It's direct ownership in 14 entities that control America's energy infrastructure — pipelines, terminals, processing plants — and pay 10% a year to everyone who holds units.

Put in $10,000 = get $1,000 back.
Put in $50,000 = get $5,000 back.
Put in $100,000 = get $10,000 back.

42 payouts a year. Deposited automatically.

This is universal basic income for people who don't want to wait around for the government to figure it out.

P.I.P. is on pace to pay out $53 billion this year — a record. The next distribution drops in days.

Here's how to enroll

Sincerely,

Robert Kiyosaki
Editor, The Kiyosaki Letter

Monday, August 24, 2026

Pipelines can reroute crude. Nothing reroutes diesel.

Gasoline prices are up 91% this year. Crude oil is up 44%. That gap points to a different crisis than the one in the headlines.

The war with Iran closed the Strait of Hormuz on March 4. Every headline focused on crude oil. But the real damage hit a different part of the system. The crisis is not about oil in the ground. It is about fuel after the refinery.

Hormuz carried 25% of the world's maritime crude. It also carried about 5 million barrels a day of finished fuel. Diesel. Gasoline. Jet fuel. Crude oil has bypass pipelines. Finished fuel does not. That asymmetry is why gas prices nearly doubled while crude has not.

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Most coverage of the Hormuz closure focuses on crude oil. That is half the picture.

Nearly a fifth of all finished fuel shipped by sea flowed through the Strait. All of it vanished from the market in one day.

Crude oil can be rerouted. Saudi Arabia and the UAE have pipelines that bypass Hormuz. Those pipelines carry crude only. No pipeline on earth reroutes diesel around that chokepoint.

When the Strait closed, crude supply took a hit with a partial workaround. Refined product supply took a hit with no workaround.

Observation: Hormuz carried 5 million bpd of finished fuel that had no bypass route.
Interpretation: Crude has pipeline alternatives. Refined products do not. One event created two different crises, and the product crisis is the severe one.

The Hormuz closure alone would have strained the system. Two other forces hit at the same time.

Russia banned all diesel exports in July 2026. Deputy Prime Minister Alexander Novak confirmed the embargo. Shipping-data firm Kpler tracked the collapse. Loadings fell from 817,000 bpd to 234,000. The world's second-largest diesel exporter left the market the same year Hormuz closed.

The capacity to replace those barrels does not exist. Western refineries lost 4 million bpd of capacity from 2020 to 2024. In the Middle East, Iranian attacks and blocked routes shut down another 3 million. The machines that could make diesel were already gone before the Strait closed.

Observation: Russian diesel loadings fell from 817,000 bpd to 234,000 bpd after the July ban.
Interpretation: Three forces hit one bottleneck. Hormuz removed the product. Russia removed the backup. Structural closures removed the ability to respond.

A crack spread measures the gap between crude oil and refined fuel prices. It shows what a refinery earns per barrel.

Normal diesel crack spreads run $15 to $25. On August 17, the spread hit $102.20. First time above $100 in history. Four to six times the normal range.

American refineries are running flat out to capture that margin. U.S. refinery utilization reached 97.2% in late July. The Midwest and Rocky Mountain regions hit 100%. There is almost no spare capacity left.

The refineries still running capture every dollar of that spread. Marathon Petroleum earned $5.1 billion in Q2 2026. A year ago, $1.2 billion. Its refining margin doubled to $36.33 per barrel.

U.S. distillate inventories sit at 30-year lows. The buffer is gone.

Observation: The diesel crack spread hit $102.20 on August 17.
Interpretation: Refiners earn record margins as the only link between crude and usable fuel. They are already at their physical ceiling.

The system has one release valve left. Demand destruction.

The International Energy Agency forecasts a demand drop of 1.6 million bpd this year. High prices are doing what supply cannot. People drive less. Businesses cut fuel budgets. Consumption drops until the pressure eases.

But that process is slow. No new refining capacity is coming online this year. Russia's ban extends through at least the end of 2026. Hormuz remains closed. None of these three forces has reversed.

The signals worth watching are not crude prices. They are crack spreads, refinery utilization, and distillate inventory levels. Those three numbers show whether the bottleneck is tightening or loosening. Right now, all three point the same direction.

Gas prices up 91%. Crude up 44%. The gap now makes mechanical sense. The bottleneck is not underground. It is in the refinery. And the refineries that still run are maxed out.

The global refined product system is at its physical ceiling. Hormuz, Russian export bans, and years of capacity loss all hit one bottleneck. Demand destruction is the only valve the system has left.

Until next time,
The Navigator