Forget celebrity Twitter sniping: Financial gurus Suze Orman and Robert Kiyosaki are among the latest to trade blows on the micro-blogging site, and their difference of opinion may influence how you manage your money.
It began when Kiyosaki, the co-author of "Rich Dad, Poor Dad," tweeted under the handle "theRealKiyosaki" Monday afternoon that he "can't believe" Orman and said, "No way in hell she believes what she teaches."
Orman, also an author and the host of a personal finance show on CNBC, shot back in all capital letters -- the online version of yelling -- and took a swipe at Kiyosaki's emphasis on real estate investments.
At least, "I DID NOT LEAD MILLIONS OF PEOPLE DOWN THE PATH TO LOSE ALL THEIR MONEY IN REAL ESTATE AS YOU DID. SHAME ON YOU," she wrote.
Kiyosaki responded with a dig at Orman's retirement planning advice, saying, "If we are talking losses ... how about the TRILLIONS lost through 401Ks."
Though it was more grudge match than nuanced debate, the exchange touches on the diverging philosophies espoused by Orman and Kiyosaki, two prominent financial pros with fierce followings. Orman is known for taking a conservative -- too conservative, critics say -- approach to personal finance: invest in stocks long term, stow cash in an emergency savings account and scale back spending to pay off debt.
Kiyosaki, meanwhile, argues for starting businesses and for investing in real estate that provides monthly returns -- strategies that his detractors say are too narrowly focused or too risky for most of the American public.
Should Americans listen to one over the other? To find out, ABCNews.com checked in with several financial planners through the Garrett Planning Network. While three argued that most people should seek more personalized advice than that provided by either guru -- not a surprising response, given that financial planners' livelihoods depend on peoples' need for personalized advice -- six others said in e-mails that they would rather clients follow Orman over Kiyosaki.
"Suze wants us to be smart about using what we have. Consumers should listen to her first," said Frank C. Boucher, at Boucher Financial Planning Services in Reston, Va. "When they have accumulated money that they feel they can afford to physically and emotionally lose, they can follow Robert's advice and take a crack at getting rich if that's what they really want."
Orman takes a "slow cooker approach" that focuses on "allocating a chunk of your working income annually toward building wealth," said John Vyge, at Hillebrand Financial Planning, also in Reston, Va. "This method works. I see it all the time. Everyone has the skill to do this, as long as they have a good investment adviser to make sure they are well diversified."
Kiyosaki later said in an e-mail to ABCNews.com that what prompted his initial Twitter post to Orman was a recent TV segment in which Orman encouraged people to invest in 401(k) accounts up to their employers' matches and to also put money into Roth IRAs. Both types of accounts, which come with different tax incentives, typically consist of stock market investments.
But many of the people Orman advises "have little or no real financial knowledge to invest in the stock market," Kiyosaki said.
"401(ks) s are risky investments, particularly, when we are as [Suze] put it in her piece, on shaky economic ground," he said.