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"This is why many people do not have an income problem, they have a keeping problem."   This episode covers why the median US worker, earning about $63,000 a year, can bring in roughly $4.7 million over a career with 3% annual raises and still retire with closer to $13,000 in the bank. He says the issue is keeping money rather than earning it, and outlines five steps to take with every paycheck.   Jaspreet Singh walks through auditing income and expenses like a business profit and loss statement, saving $2,000 before paying off credit card debt, and splitting each paycheck with the 75/15/10 rule across three bank accounts. He then covers why to earn more only after systematizing your money, and how an accountant, an attorney, insurance, and an estate plan protect the assets you build.   In this episode, you'll learn: Why the median worker can earn about $4.7 million over a career and still retire with little saved How to audit your money by tracking income and expenses like a business profit and loss statement How to measure a purchase in hours of work, using a $3,000 scarf that costs 100 or more hours of pay Why saving $2,000 first and then paying off credit card debt gets you out of the financial danger zone How a median credit card balance of about $8,000 at a 22% rate shows who earns the returns on your debt How the 75/15/10 rule splits each dollar into spending, investing, and saving using three separate bank accounts Why savings should cover 3 to 12 months of expenses in a high-yield savings account instead of the stock market Why earning more should come after systematizing your money, and how accountants, term life insurance, and estate planning protect assets   Keywords: paycheck, budgeting, emergency fund, credit card debt, 75/15/10 rule, savings account, investing, asset protection, term life insurance, building wealth   ✅ Join Market Briefs (my newsletter for investors) free! 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 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 ----------

"The reality is AI is single-handedly propping up our economy."   In this episode, Jaspreet Singh sits down with Jackson (his head of investing research) to walk through the five biggest threats facing the US economy right now: rising interest rates, stubborn inflation, heavy dependence on AI, pressure from the United Kingdom, and high oil prices. Jackson explains why the Fed raised rates for the first time in three years, why Fed Governor Barr sees no path back to 2% inflation in a reasonable amount of time, and why oil is the biggest sticking point behind prices.   Jaspreet and Jackson then connect the pieces, from a debt to GDP ratio of about 125% and Treasury yields above 5% to AI stocks carrying the S&P 500. They explain how higher energy costs could slow AI growth, and where they see opportunity through emerging market bonds, international markets, and the always be buying, market crash, and market shift framework.   In this episode, you'll learn: Why the Fed raised interest rates and how higher rates put downward pressure on stocks and the economy Why higher rates can help the average person stretch their dollar while low rates tend to benefit investors Why rising Treasury yields pull money out of the stock market and what a Treasury bond actually is Why oil is the biggest driver of inflation and how it affects gas, electricity, and the price of a new car What a debt to GDP ratio of about 125% means and why the government is trying to outgrow its $40 trillion in debt Why AI is holding up the economy, with the S&P 500 up about 13% this year and much of the index down without AI stocks How rising energy costs and renegotiated contracts in 2027 could slow AI growth and raise its costs How emerging market bonds, international markets, and market shifts can create opportunities beyond US stocks   Keywords: interest rates, Treasury yields, inflation, oil prices, artificial intelligence, national debt, debt to GDP, emerging market bonds, market shifts, investing   ✅ Join Market Briefs (my newsletter for investors) free!   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 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 ----------

"The most expensive kind of money is free money."   This episode sits down with Graham Stephan to discuss whether the US dollar is at risk as national debt nears $40 trillion and the Fed buys long-term Treasuries to push yields down. Graham explains why he does not expect a Venezuela-style collapse but does expect the dollar to keep losing value, why free money has historically led to market surges, and why a future anti-wealth president could trigger a 50 to 60 percent market drop. Jaspreet Singh also covers whether AI is a bubble and how it could reshape jobs, why Graham holds Bitcoin through an ETF instead of cold storage, why he now thinks renting beats buying on the numbers, and why he sold his rental properties for tax-free municipal bonds. They close with the Pokemon card market, remote work versus the office, and what it takes to build wealth in America today.   In this episode, you'll learn: How yield control works and why buying long-term Treasuries to lower yields amounts to printing money Why Graham expects the dollar to lose value over time without collapsing overnight Why more wealth is usually lost waiting for a crash than by buying and holding through one Why Graham sees market downturns as discounts and how he acted on that in 2020 and 2022 How Graham approaches Bitcoin, including why he chose a Bitcoin ETF over a hardware wallet Why Graham says buying a house is a lifestyle purchase while renting wins on the numbers How AI could displace workers, why the trades may last longest, and why learning to use AI protects your career Why Graham says the best path to wealth is finding what you are uniquely good at and investing consistently Keywords: Graham Stephan, dollar collapse, yield control, national debt, stock market, Bitcoin ETF, rent vs buy, AI bubble, Pokemon cards, building wealth 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 podcast). ---------- ➤ Incogni They can't harm you, if they can't find you! Use code MINDSET60 at the link below and get 60% off an annual plan: https://incogni.com/mindset60 ---------- ➤ Bilt Find the card that’s right for you and apply at https://joinbilt.com/mindset ---------- ➤ Gusto Get 3-months FREE when you run your first payroll at https://gusto.com ---------- ✅ Join Market Briefs (my newsletter for investors) free!

"Higher interest rates tend to pop the bubble."   This episode responds to the headlines that Ray Dalio and other experts are warning rising interest rates could tip the economy into a recession. He explains that the Fed has raised rates once this year, with more hikes likely at its October 28th and December meetings, and why that makes the recession question worth examining closely.   Jaspreet Singh walks through the five most recent rate-hiking cycles and what happened to stocks and the economy during and after each one. He then covers why private equity and private credit are showing early stress, and how he uses always be buying, market shifts, and market crashes to stay calm and keep building wealth.   In this episode, you'll learn: Why Ray Dalio and other experts are warning that higher interest rates raise the risk of a recession What the Fed is expected to do at its October 28th and December meetings How stocks and the economy performed during the 2022 to 2023 rate-hiking cycle Why the 2004 to 2006 and 1999 to 2000 hiking cycles were followed by the Great Recession and the dot-com bust Why the 1994 to 1995 and 2015 to 2018 cycles ended without a recession Why the pain from rate hikes tends to show up after the hikes, not during them Why private equity firms that bought at 20 times earnings and private credit funds that froze withdrawals are under pressure How the always be buying approach and market shifts help investors turn fear into opportunity   Keywords: interest rates, rate hikes, recession, Ray Dalio, Federal Reserve, private equity, private credit, stock market, always be buying, market shifts   ✅ Join Market Briefs (my newsletter for investors) free! 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 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 ----------

"The new driver of inflation is artificial intelligence."   This episode shares three takeaways from a meeting his head of investing research attended with Fed Governor Barr: higher interest rates are likely coming in 2026, lower inflation may be further away than many expect, and artificial intelligence is now adding to inflation instead of reducing it. He explains why this is a shift from the Federal Reserve's earlier view that AI would push prices down.   Jaspreet Singh walks through how this contrasts with the White House, where President Trump is encouraging AI companies to police themselves under a moral accord while competing with China for AI leadership. He then covers how interest rates and money printing affect investors, and the framework he uses to build and accelerate wealth through any of it.   In this episode, you'll learn: Why a Fed governor says AI investment and demand are now having a measurable impact on prices Why the Fed's current path may not bring inflation back to its 2% target in the near term What the Federal Reserve is expected to do at its October 28th meeting Why President Trump wants AI companies to regulate themselves through a morally binding accord rather than government rules Why the White House sees the AI race with China as critical to the US staying the world's economic superpower How higher interest rates put downward pressure on asset prices while rewarding savers and Treasury holders Why wealth is built by owning investments, using the "always be buying" approach as the foundation How market crashes and market shifts are the two ways to accelerate wealth beyond that foundation   Keywords: Federal Reserve, interest rates, inflation, artificial intelligence, AI regulation, China AI race, national debt, always be buying, market shifts, investing   ✅ Grab a FREE copy of my ebook ABB: Always Be Buying here: 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 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 ----------

"This office building in Chicago sold for $68 million 10 years ago. Today, it sold for $4 million."   This episode breaks down why commercial real estate is cracking across the country, with office buildings selling at 80 to 90 percent discounts as more than $1 trillion in commercial loans readjust at today's much higher interest rates. He explains why these properties are valued on the income they generate rather than sentiment, and why falling occupancy combined with rising costs is pushing many buildings underwater.   Jaspreet Singh walks through a real world example showing how a building's value can collapse when its net operating income falls, and then turns to the housing market to explain why it's under pressure but hasn't cracked the way commercial real estate has.   In this episode, you'll learn: Why commercial real estate loans readjust every five years instead of locking in a 30 year fixed rate like a home mortgage How net operating income and cap rates determine what an office building is actually worth Why falling occupancy and rising costs can turn a profitable building into one that loses money every year Why developers are handing back keys, selling at steep discounts, or facing foreclosure How banks holding these commercial loans could be the next to feel the pain Why housing affordability has hit its lowest point in history even though home prices haven't fallen Why most homeowners with mortgages under 5% are reluctant to sell and give up that rate Why the housing market's fate depends on whether the economy or unaffordability wins out first   Keywords: commercial real estate, office building crash, mortgage rates, housing affordability, net operating income, cap rate, interest rates, real estate investing, national debt, Federal Reserve   ✅ Grab a FREE copy of my ebook ABB: Always Be Buying here: 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 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 ----------

"Gold now has a new competitor for a safe haven investment which is treasuries."   This episode breaks down why gold prices fell even after President Trump rejected a deal to reopen the Strait of Hormuz and oil prices jumped back up, a reaction that runs opposite to how gold usually behaves during bad economic news. He explains why investors moved into Treasuries instead, and why that shift signals a bigger change in how money is looking for safety in this economy.   Jaspreet Singh walks through why Treasury yields hitting their highest levels in more than two decades matters far beyond the bond market, touching the national debt, mortgage rates, car loans, and credit card rates, and what the Federal Reserve's expected rate hikes in October and December could mean next. In this episode, you'll learn: Why President Trump rejected Iran's offer to reopen the Strait of Hormuz and how that pushed oil prices back up Why gold fell instead of rising during this news, and why investors chose Treasuries as the new safe haven How the 10 year Treasury yield hitting around 5.2% compares to gold, which pays no interest at all Why rising Treasury yields make the government's $40 trillion national debt more expensive to service How higher Treasury yields translate into higher mortgage, car loan, and credit card rates Why markets are pricing in a 75% chance of another rate hike in October and a possible second hike in December The three ways to build wealth: always be buying, taking advantage of market crashes through the "POOP" cycle, and investing in market shifts Why research based investing means acting before an opportunity shows up in the headlines   Keywords: gold prices, Treasury yields, safe haven investment, national debt, Federal Reserve, interest rates, mortgage rates, Strait of Hormuz, oil prices, investing   ✅ Grab a FREE copy of my ebook ABB: Always Be Buying here: 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 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 ---------- 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 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 ----------

"Gold now has a new competitor for a safe haven investment which is treasuries."   This episode breaks down why gold prices fell even after President Trump rejected a deal to reopen the Strait of Hormuz and oil prices jumped back up, a reaction that runs opposite to how gold usually behaves during bad economic news. He explains why investors moved into Treasuries instead, and why that shift signals a bigger change in how money is looking for safety in this economy.   Jaspreet Singh walks through why Treasury yields hitting their highest levels in more than two decades matters far beyond the bond market, touching the national debt, mortgage rates, car loans, and credit card rates, and what the Federal Reserve's expected rate hikes in October and December could mean next.   In this episode, you'll learn: Why President Trump rejected Iran's offer to reopen the Strait of Hormuz and how that pushed oil prices back up Why gold fell instead of rising during this news, and why investors chose Treasuries as the new safe haven How the 10 year Treasury yield hitting around 5.2% compares to gold, which pays no interest at all Why rising Treasury yields make the government's $40 trillion national debt more expensive to service How higher Treasury yields translate into higher mortgage, car loan, and credit card rates Why markets are pricing in a 75% chance of another rate hike in October and a possible second hike in December The three ways to build wealth: always be buying, taking advantage of market crashes through the "POOP" cycle, and investing in market shifts Why research based investing means acting before an opportunity shows up in the headlines   Keywords: gold prices, Treasury yields, safe haven investment, national debt, Federal Reserve, interest rates, mortgage rates, Strait of Hormuz, oil prices, investing     ✅ Register for my investing Workshop & get Market Briefs as a bonus: 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 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 ----------

"The Trump administration wants to see Bitcoin prices explode."   This episode breaks down why the US government is building a strategic Bitcoin reserve of more than 300,000 coins, and why Treasury Secretary Scott Bessent wants the United States to become the world leader in crypto. He explains the irony at the center of it: Bitcoin was created to help people move away from the dollar, but the government is now using it to strengthen the dollar and its own balance sheet.   Jaspreet Singh walks through how the reserve was built from seized Bitcoin rather than tax dollars, why a stronger government balance sheet could justify borrowing even more against the $40 trillion national debt, and the risks that come with Bitcoin's volatility and the government's growing influence over it.   In this episode, you'll learn: Why the US government now holds more than 300,000 Bitcoin through seizures rather than direct purchases How the strategic Bitcoin reserve compares to the country's existing gold and oil reserves Why a stronger government balance sheet could be used to justify borrowing even more money What would happen to that balance sheet if Bitcoin prices were to fall sharply after a run up Why growing government ownership of Bitcoin raises concerns about centralizing a currency built to be decentralized Why cutting government deficit spending today would trigger a recession worse than 2008 Why Jaspreet treats Bitcoin as a speculative asset rather than a core, income producing holding How the debasement trade logic behind gold, silver, and Bitcoin conflicts with the government's own strategy   Keywords: Bitcoin, strategic Bitcoin reserve, cryptocurrency, national debt, dollar devaluation, Scott Bessent, government balance sheet, debasement trade, volatility, investing   ✅ Register for my investing Workshop & get Market Briefs as a bonus: 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 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 ----------

"Emotions are the enemy of profits."   This episode breaks down a new S&P Global report showing the US economy growing at its fastest pace since right after the pandemic, driven by corporate profits up almost 29% year over year. He explains why that boom hasn't translated into calm markets, with the Federal Reserve raising interest rates, Treasury yields hitting two decade highs, and gas prices up nearly 30% in a year.   Jaspreet Singh walks through why stocks and bonds have been falling together instead of moving in their usual opposite directions, what that says about investors shifting money into Treasuries, and the three ways he thinks about building wealth through any market environment.   In this episode, you'll learn: Why corporate profits are growing almost four times faster than the historical average How AI adoption and rising prices are both driving profit margins higher than revenue growth Why the Federal Reserve raised interest rates to cool an economy that's growing too fast alongside high inflation Why stocks and bonds have been falling at the same time instead of moving in opposite directions How rising Treasury yields are pulling investor money away from the stock market The three ways to invest: always be buying, buying during market crashes, and investing in market shifts Why chasing what's trending on the news or on AI chatbots means missing the money that already moved Why understanding where money is moving matters more than reacting to market headlines   Keywords: economic growth, corporate profits, Federal Reserve, Treasury yields, bond market, inflation, interest rates, stock market volatility, investing strategy, market shifts   ✅ Register for my investing Workshop & get Market Briefs as a bonus: 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 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 ----------

"It's official. The Federal Reserve Bank wants to reset our economy, starting with the United States dollar."   This episode breaks down why the Federal Reserve Bank and the Trump administration have split apart on economic priorities, with the Fed now committing to fight inflation even if it means slowing the economy, while President Trump keeps pushing to stimulate growth. He explains how the pandemic era of money printing and zero interest rates set up this conflict, and why the war in the Middle East has made it worse.   Jaspreet Singh walks through why the US national debt has now outgrown the economy for the first time since World War II, the four options the government has to deal with that debt, and why cracks are forming in private equity and private credit as interest rates stay higher than firms expected.   In this episode, you'll learn: Why the Federal Reserve Bank is now prioritizing inflation over economic growth, breaking from President Trump's stimulus agenda How pandemic era quantitative easing and zero interest rates set up today's inflation and debt problems Why the war in the Middle East pushed oil prices, government spending, and inflation higher at the same time Why the US debt to GDP ratio at about 125% means the economy is smaller than the national debt for the first time since World War II The four ways the government can address the national debt: paying it off, defaulting, debasement, or outgrowing it Why private equity and private credit firms are under strain after betting on rate cuts that did not come How the 1970s inflation cycle, including the Nixon gold standard exit and the Yom Kippur War oil shock, mirrors today's situation Why higher interest rates favor cash, Treasuries, and value investments while pressuring speculative assets   Keywords: Federal Reserve, national debt, inflation, quantitative easing, debt to GDP, private equity, private credit, interest rates, dollar devaluation, investing   ✅ Register for my investing Workshop & get Market Briefs as a bonus: 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 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 ----------

"Panic leads to overselling leads to opportunity leads to profit."   This episode breaks down why President Trump is pushing back hard against AI leaders like Anthropic's Dario Amodei, OpenAI's Sam Altman, and Elon Musk after they warned that AI development needs to slow down. He explains why the White House is treating the AI race with China as existential, and why an internal White House letter has reportedly warned that a bursting AI bubble could cause serious economic pain.   Jaspreet Singh walks through the three reasons the government wants the US to win the AI race, why so many everyday investors are more exposed to AI than they realize through the S&P 500 and target date funds, and why understanding market cycles matters more than trying to predict when a downturn hits.   In this episode, you'll learn: Why AI leaders like Anthropic's Dario Amodei and OpenAI's Sam Altman are warning about slowing down AI development Why President Trump and the Treasury Secretary see losing the AI race to China as a threat to the dollar and national security How AI could help the US outgrow its $40 trillion national debt instead of paying it down or defaulting Why the US government has become a direct investor in AI related companies like MP Materials and Intel How the top seven companies in the S&P 500 make up about a third of a typical index fund investment Why market crashes and recessions are a normal, recurring part of every economic cycle What the "panic leads to overselling leads to opportunity leads to profit" cycle looks like in past downturns Why China's edge in energy production, not just chips, is a bigger factor in the AI race than most people realize   Keywords: AI bubble, artificial intelligence, national debt, China AI race, S&P 500 concentration, market downturns, target date funds, dollar devaluation, energy production, investing   ✅ Register for my investing Workshop & get Market Briefs as a bonus: 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 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 ----------

"That way you can find investment opportunities to help you build wealth regardless of what the Federal Reserve Bank does."   This episode breaks down why the Federal Reserve Bank could either raise or cut interest rates in 2026, and lays out the case for both directions instead of picking a side. He explains why the Fed weighs a dual mandate of inflation and jobs, and why understanding where money moves under each scenario matters more than guessing which one happens.   Jaspreet Singh walks through three reasons rates could go higher (inflation, the oil and tariff shock, and a hawkish Fed chairman) and three reasons they could go lower (a weakening job market, a frozen housing market, and an expensive national debt), then covers specific ETF examples for each direction so listeners can think through where opportunity lives either way.   In this episode, you'll learn: Why the Federal Reserve Bank's dual mandate of inflation and jobs decides whether it hikes or cuts rates How the oil price shock from the war in the Middle East and new tariffs are adding to inflation Why new Fed chairman Kevin Warsh's history as a hawk makes him more willing to defy President Trump on rates Why bond market stress and a $40 trillion national debt already pushed mortgage rates higher in 2026, separate from the Fed What could benefit from further rate hikes, including short-term Treasuries, floating rate loans, energy, banks, and dividend stocks What could benefit from rate cuts, including gold, silver, Bitcoin, real estate, small caps, and the broader stock market Why higher interest rates tend to reward savers and cash holders while pressuring overleveraged borrowers Why the goal is to find investment opportunities in either scenario rather than betting on one outcome   Keywords: Federal Reserve, interest rates, Kevin Warsh, inflation, national debt, dividend stocks, real estate investing, Treasury yields, small cap stocks, investing   ✅ Register for my investing Workshop & get Market Briefs as a bonus: 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 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 ----------

"For the last 100 years, the Federal Reserve Bank was a machine that made America rich. But that machine just broke."   This episode breaks down why the Federal Reserve Bank posted a record loss of hundreds of billions of dollars in 2026, after 109 straight years of turning a profit and handing it to the US government. He explains how this loss adds pressure to the $40 trillion national debt and why it has a direct impact on the value of the dollar, savings, and paychecks.   Jaspreet Singh walks through how the Fed creates money out of thin air, lends it to the government, and collects interest, why pandemic era loans locked in at low rates are now costing the Fed more than they earn, and what it would take for the government to grow its way out of the problem instead of printing its way into more inflation.   In this episode, you'll learn: How the Federal Reserve Bank creates money out of thin air, lends it to the government, and collects interest called the Treasury rate Why the Fed calls its losses a "deferred asset" instead of a loss, and why it cannot go bankrupt How pandemic era Treasury purchases locked in around 2% interest while the Fed now pays out about 4% to banks Why 2023 marked the first year in 109 years the Fed lost money, followed by a record loss in 2026 How the loss of Fed profits pushes the government to borrow more, adding to the $40 trillion national debt Why cutting government spending or raising taxes are both politically difficult paths to closing the deficit Why a 125% debt to GDP ratio means the US government is effectively underwater, like a mortgage worth more than the house Why growing the economy faster than the national debt is the path the Trump administration is counting on to avoid more inflation   Keywords: Federal Reserve, central bank losses, national debt, inflation, money printing, Treasury rate, federal funds rate, debt to GDP, dollar devaluation, investing   ✅ Register for my investing Workshop & get Market Briefs as a bonus: 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 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 ----------

"History doesn't repeat itself, but it does rhyme."   Fifty years ago, a perfect storm of money printing, a Middle East conflict, spiking oil prices, and aggressive Fed rate hikes created economic pain and a new wave of millionaires for those who understood where money was moving. In 2026, the same conditions are converging again: post-pandemic inflation, a Middle East conflict driving oil prices higher, and mounting pressure on the Fed to act.   Jaspreet Singh runs a side-by-side comparison of three investor types: the S&P 500 investor, the saver, and the opportunist. Across both the first decade (1971–1981) and the full two-decade horizon (1971–1991), revealing which strategy actually won and why the answer changes depending on the time frame.   In this episode, you'll learn: How gold returned 245% in the first decade but ended up in last place over 20 years beaten by both the S&P 500 and a savings account, because asset prices are driven by the fear behind them, and when dollar concerns faded, gold crashed Why the S&P 500 investor lost to inflation over 10 years but crushed it over 20, turning $13,200 into $133,000, proving that long-term investing across recessions and crashes is what actually builds wealth How opportunist investors who understood which industries benefit from specific crises (energy stocks during oil shocks, defense stocks during conflicts, semiconductor companies during chip shortages) were able to outperform broad index investing when they bought with research rather than chasing headlines Why saving money in a bank guarantees a slow loss to inflation every decade, and why even high-yield savings accounts have never consistently beaten real inflation   Keywords: stagflation, 1970s economy, S&P 500, gold investing, inflation hedge, opportunist investing, long-term investing, energy stocks, Middle East conflict, wealth building   ✅ Register for my investing Workshop & get Market Briefs as a bonus: 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 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 ----------