The Minority Mindset Show

“Saving money won’t make you rich. It’s just making everyone else richer while you fall behind.” If school taught us how money really works, most of us wouldn’t be stuck trading time for paychecks. In this episode, Jaspreet shares the five lessons about money every young person should’ve learned before turning 20, from understanding what money actually is to how wealthy people think, spend, and build freedom. He breaks down why saving alone keeps you poor, how to use debt the right way, and why the people who look rich usually aren’t. This is the financial reality check you wish your high school teacher had the guts to give you. What You’ll Learn: Why dollars lose value every day and what to do about it How wealthy people work for equity, not paychecks The trap of “looking rich” and how it keeps most people broke The right and wrong ways to use debt How to make mistakes early and still win big later A no-fluff 25-minute crash course in everything school never taught you, so you can stop playing the wrong money game. Want more financial news? Join Market Briefs, my free daily financial newsletter: https://link.briefs.co/3JJ8LOT Below are my recommended tools! Please note: Yes, these are our sponsors & advertisers. However, these are companies that I trust and use (or have used). The compensation doesn't affect my recommendations or advice. That being said, you should always do your own research & never blindly listen to a random guy on YouTube (or a podcast). ---------- ➤ Invest In Stocks Passively 1) M1 Finance - Buy stocks & ETFs automatically: https://theminoritymindset.com/m1 ---------- ➤ Life Insurance 2) Policygenius - Get a free life insurance quote: https://theminoritymindset.com/policygenius ---------- ➤ Real Estate Investing Online 3) Fundrise - Invest in real estate with as little as $10! https://theminoritymindset.com/fundrise ----------

“A 401(k) is a vehicle, but most people are driving it like a Camry when it could be a Lamborghini.” Description: What if your 401(k) isn’t the retirement safety net you think it is? In this episode, Jaspreet exposes the hidden traps behind America’s favorite retirement plan. Think of high fees, taxes, inflation, and limited options and he'll show you why relying on it alone could leave you broke. Jaspreet breaks down what the 4% rule really means, how much you actually need to retire comfortably, and smarter ways to invest outside your 401(k) so your money can work faster and harder for you. Whether you’re just starting out or rethinking your retirement strategy, this conversation will help you understand the system, and play the game to win. What You’ll Learn: Why most 401(k)s won’t deliver the retirement people expect The hidden cost of “free money” and employer matching What the 4% rule gets wrong in today’s economy Smarter ways to invest beyond your 401(k) How to build multiple vehicles toward financial freedom Listen now to learn how to turn your 401(k) from a slow ride into a real wealth engine. Want more financial news? Join Market Briefs, my free daily financial newsletter: https://link.briefs.co/3JJ8LOT Below are my recommended tools! Please note: Yes, these are our sponsors & advertisers. However, these are companies that I trust and use (or have used). The compensation doesn't affect my recommendations or advice. That being said, you should always do your own research & never blindly listen to a random guy on YouTube (or a podcast). ---------- ➤ Invest In Stocks Passively 1) M1 Finance - Buy stocks & ETFs automatically: https://theminoritymindset.com/m1 ---------- ➤ Life Insurance 2) Policygenius - Get a free life insurance quote: https://theminoritymindset.com/policygenius ---------- ➤ Real Estate Investing Online 3) Fundrise - Invest in real estate with as little as $10! https://theminoritymindset.com/fundrise ----------

“A tax refund is a 0% loan you gave the government because you overpaid your taxes.” Tax season hype says “free money.” Jaspreet explains why refunds happen, how to stop overpaying (so more of your paycheck hits your account all year), and the smartest ways to deploy any refund so it builds assets, not someone else’s profits. What You’ll Learn Why refunds exist (withholding now, true tax due later) How to adjust your W-4 using the IRS Withholding Estimator so you’re not lending money for free Fastest way to receive a refund (avoid delays = no missing W-2/1099s) The asset vs. liability test and why cars, watches, and vacations drain wealth A simple plan to turn refunds into long-term gains (emergency cash, then investments). Chapters 00:00 Hook: Refund ≠ free money 01:06 Why refunds happen (withholding 101) 03:22 How to stop overpaying (W-4 + IRS estimator) 06:05 Fastest way to get your refund (avoid delays) 08:10 Assets vs. liabilities (the only test that matters) 12:00 Where your refund should go (emergency fund → investing) 15:30 Put it on autopilot (ABB) 17:20 Final thoughts & resources   Keywords: tax refund 2025, IRS W-4, withholding estimator, how to stop overpaying taxes, fastest tax refund, invest tax refund, emergency fund 3–12 months, ABB always be buying, index fund ETF, assets vs liabilities, Minority Mindset #taxrefund #taxes #withholding #personalfinance #investing #MinorityMindset Want more financial news? Join Market Briefs, my free daily financial newsletter: https://link.briefs.co/3JJ8LOT Below are my recommended tools! Please note: Yes, these are our sponsors & advertisers. However, these are companies that I trust and use (or have used). The compensation doesn't affect my recommendations or advice. That being said, you should always do your own research & never blindly listen to a random guy on YouTube (or a podcast). ---------- ➤ Invest In Stocks Passively 1) M1 Finance - Buy stocks & ETFs automatically: https://theminoritymindset.com/m1 ---------- ➤ Life Insurance 2) Policygenius - Get a free life insurance quote: https://theminoritymindset.com/policygenius ---------- ➤ Real Estate Investing Online 3) Fundrise - Invest in real estate with as little as $10! https://theminoritymindset.com/fundrise ----------

“Keeping all of your money in your bank account is actually more risky than it is safe.” Jaspreet breaks down why parking piles of cash in a bank gets eaten by inflation—especially as rates get cut—and shows exactly how much to keep in cash vs. what to move into assets. You’ll learn the difference between cash vehicles (HYSA, CDs, Treasuries) and assets (stocks, real estate, gold, crypto), how to set up separate accounts for emergencies, big purchases, and investable cash, and the simple passive/active strategies to actually grow wealth. What You’ll Learn The problem with low-yield savings when inflation is higher How much to keep in cash (and where to keep it) for: Emergency fund (3–12 months of expenses) Big purchases (house/car/vacation) “Dry powder” for investing Cash options vs. protection basics (bank accounts, CDs, HYSAs, Treasuries, Treasury ETFs) Asset options to outpace inflation (stocks, real estate; plus how gold/crypto/startups fit) Investing approaches: Passive: ABB: Always Be Buying (index/ETF habit) Active: research-led buys while idle cash earns interest Chapters 00:00 Hook: Why big bank balances lose you money 01:18 Cash vs. assets (and why cash isn’t an “investment”) 04:05 Rates, inflation, and your real return 07:20 Where to park cash: HYSA, CDs, Treasuries, ETFs 10:42 The 3 reasons to save (emergency, big purchase, invest) 14:50 How much is enough: 3–12 months explained 18:22 Passive vs. Active investing (ABB + research) 22:10 Putting it together: your cash + investing game plan 25:30 Final word & resources Keywords: how much cash to keep, emergency fund 3 to 12 months, high yield savings vs treasury, cash vs assets, beat inflation 2025, ABB always be buying, passive vs active investing, index funds VTI SPY QQQ, treasury ETF basics, inflation and savings, Minority Mindset #personalfinance #investing #inflation #savings #wealthbuilding #MinorityMindset Want more financial news? Join Market Briefs, my free daily financial newsletter: https://link.briefs.co/3JJ8LOT Below are my recommended tools! Please note: Yes, these are our sponsors & advertisers. However, these are companies that I trust and use (or have used). The compensation doesn't affect my recommendations or advice. That being said, you should always do your own research & never blindly listen to a random guy on YouTube (or a podcast). ---------- ➤ Invest In Stocks Passively 1) M1 Finance - Buy stocks & ETFs automatically: https://theminoritymindset.com/m1 ---------- ➤ Life Insurance 2) Policygenius - Get a free life insurance quote: https://theminoritymindset.com/policygenius ---------- ➤ Real Estate Investing Online 3) Fundrise - Invest in real estate with as little as $10! https://theminoritymindset.com/fundrise ----------

“Wealthy people have an investing playbook: a system that works whether markets boom, crash, or move sideways.” Jaspreet breaks down the 5-step playbook he wishes he had on Day 1: how to fund your investments automatically, choose between cash flow vs. growth, pick a strategy (passive, outsourced, or active), design a real portfolio across asset classes, and set a smart selling + tax plan. Less guessing, more compounding. What You’ll Learn The money-flow system: 75/15/10 (or 50/30/20 if you’re going aggressive) + 3 separate bank accounts Cash Flow vs. Growth: how to pick, and why starting with one matters Strategy tiers: Passive (ABB: Always Be Buying), Outsourced (AUM & fees), Active (research-first) Portfolio design beyond stocks: business, real estate, stocks, speculative (startups/crypto), gold Selling & taxes: when to trim, 1.5% AUM math, and why real estate’s 1031 exchange can defer taxes Chapters 00:00 Hook: The playbook the wealthy use 01:02 Step 1 — Get the money to invest (75/15/10, 3 accounts, automation) 05:28 Step 2 — Define your goal: cash flow vs. growth 09:10 Step 3 — Choose a strategy: Passive, Outsourced, or Active 15:22 Step 4 — Build the portfolio (asset classes & real diversification) 21:05 Step 5 — Selling rules, fees, and taxes (1031s, capitals gains) 25:40 Putting it together: the playbook in one page Keywords: investing playbook, how to start investing 2025, cash flow vs growth investing, ABB always be buying, 75/15/10 rule, investing strategy passive vs active, diversify beyond stocks, real estate investing basics, AUM fees explained, 1031 exchange basics, Minority Mindset #investing #personalfinance #wealthbuilding #stockmarket #realestate #MinorityMindset #financialeducation Want more financial news? Join Market Briefs, my free daily financial newsletter: https://link.briefs.co/3JJ8LOT Below are my recommended tools! Please note: Yes, these are our sponsors & advertisers. However, these are companies that I trust and use (or have used). The compensation doesn't affect my recommendations or advice. That being said, you should always do your own research & never blindly listen to a random guy on YouTube (or a podcast). ---------- ➤ Invest In Stocks Passively 1) M1 Finance - Buy stocks & ETFs automatically: https://theminoritymindset.com/m1 ---------- ➤ Life Insurance 2) Policygenius - Get a free life insurance quote: https://theminoritymindset.com/policygenius ---------- ➤ Real Estate Investing Online 3) Fundrise - Invest in real estate with as little as $10! https://theminoritymindset.com/fundrise ----------