From the perspective of Robert Kiyosaky, author of Rich Dad, Poor Dad, a book I highly recommend it to anyone who wants to begin to better manage their finances and never suffer from money.

An asset is simply that the money in our pocket and liabilities or obligation is one that brings money in our pockets.

We must not look in terms of accounts, and less on the dictionary definition. Because if we keep these two definitions that simple, is the solution to all our financial problems.

The high-class or rich people, are responsible for the acquisition of assets from the start and stoppage is that the acquisition of liabilities (deluxe), which are paid by revenues generated by those assets.
While the people of the middle class, become debts (car, home, holidays, etc.) rather than titles, which are paid by the sweat of his brow, as they have no assets to pay for that luxury.

The difference is that most people in the upper class may stop working and continue to provide income securities. In short, the money working for more money.

Many middle class people could not leave his job because he is the only source of income, and gradually more links to continue working for the rest of his life to pay for their luxuries.

That is what the Financial Intelligence and the solution to our financial problems.

Take life to work to create the assets and liabilities, leaving permanently. Get as much information as possible in finance. And not long to live a good life with his family.