The Minority Mindset Show

Latest Episodes:

Stop Saving Money (Do These 3 Things to Get Rich) Apr 23, 2026

Show notes

"Boring is where the real wealth is built."

Saving money isn't a wealth-building strategy; it's a holding pattern that inflation slowly erodes. Jaspreet Singh challenges the "save everything" mindset many people grew up with and explains why money sitting in a bank account is actually losing value, while money invested in assets is working to grow.

Jaspreet breaks down the only three legitimate reasons to save, then explains what to do with money beyond those purposes: invest it into assets that produce value over time. He also walks through how passive index fund investing beat actively managed hedge funds in Warren Buffett's famous long-term bet and why the unsexy, boring approach consistently wins.

In this episode, you'll learn:

Why inflation is a tax on savings and how the Federal Reserve expanding the money supply erodes the buying power of every dollar you hold
The only three valid reasons to save: emergencies, a planned large purchase, or a future investment
Why index fund investing outperforms active trading over the long term, even when hedge funds lead in the short run
His Quadrofit framework: physical, mental, spiritual, and financial fitness and why chasing money without the first three leads to misery, not fulfillment

Keywords: stop saving money, inflation, index fund investing, wealth building, passive investing, Warren Buffett, personal finance, financial education, assets vs liabilities, Jaspreet Singh

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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).

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3 Money Lies Keeping Americans Broke (And You Still Believe Them) Apr 21, 2026

Show notes

"Wealthy people invest and spend what's left while the majority of people spend and invest whatever's left."

Most people carry beliefs about money that were never examined, that certain careers are the only path to financial stability, that saving aggressively is the same as building wealth, or that buying expensive things signals success. In this episode, Jaspreet Singh breaks down three money myths that keep people broke and explains what a healthier relationship with money actually looks like.

Jaspreet walks through how to flip the default financial sequence (investing before spending rather than after) and introduces practical rules for knowing when you can actually afford something. He also addresses the psychological trap of tying self-worth to net worth, and why net worth is largely a paper number that can vanish overnight.

In this episode, you'll learn:

Why money is neither good nor bad, it amplifies who you already are, which is why more good people need to have it
The difference between using money as a tool (to buy back your time and build assets) versus spending it to look wealthy
His Rule of Five: if you can't buy five of something, you can't afford one and why living off passive income instead of earned income is the real goal
Why net worth is a temporary, fluctuating number and should never be the basis for lifestyle decisions or self-evaluation

Keywords: money myths, wealth mindset, asset vs liability, personal finance, 75 15 10 rule, passive income, financial education, money management, net worth, Jaspreet Singh

Want more financial news? Join Market Briefs, my free daily financial newsletter: https://link2.briefs.co/gie

Below are my recommended tools!

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➤ Invest In Stocks Passively

1) M1 Finance - Buy stocks & ETFs automatically:

https://theminoritymindset.com/m1

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2) Policygenius - Get a free life insurance quote:

https://theminoritymindset.com/policygenius

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The 3 Phases of Wealth (Every Millionaire Follows This) Apr 02, 2026

Show notes

"You want to shift your mind from being just a consumer to being the producer. You want to own the things that everybody else is buying."

Building wealth isn't just about making more money, it's about understanding the three phases every wealthy person moves through: getting money organized, growing it through assets, and protecting it from taxes, lawsuits, and the government. Most people skip phase one entirely, spending everything they earn and leaving nothing to invest.

Jaspreet Singh walks through each phase with specific frameworks and examples. From the 75-15-10 spending system to ETF and real estate investing basics, to the legal structures that protect wealth once it's built.

In this episode, you'll learn:

The math of consistent investing: $250 a month for 30 years at 10% annual returns grows to $490,000; $750 a month grows to $1.5 million and why most Americans will retire with nothing because they invest $0
The 75-15-10 system: spend no more than 75 cents of every dollar, invest a minimum of 15 cents, save a minimum of 10 cents. Automated across three separate bank accounts so the money can't be accidentally spent
Why 401ks and IRAs are a useful starting point but not enough on their own and how to evaluate fund choices by examining both historical returns and expense ratios
The three asset classes that have built more wealth than anything else over the last century: stocks, real estate, and starting a business
Why the house you live in is a liability, not an asset and how rental properties differ because tenants cover the expenses and generate cash flow on top
Why crypto, gold, and startups are speculative positions that belong after establishing a foundation in stocks and real estate, not before
How LLCs create a legal shield between rental properties and personal assets and why real estate investors should never hold properties in their own name
Why estate planning is essential for anyone building wealth and what happens to assets when someone dies without a will in place

Keywords: three phases of wealth, 75-15-10, investing basics, 401k, real estate investing, LLC protection, estate planning, wealth building, financial education, assets vs liabilities

Want more financial news? Join Market Briefs, my free daily financial newsletter: https://link2.briefs.co/gie

Below are my recommended tools!

----------

➤ 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

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3) Fundrise - Invest in real estate with as little as $10!

https://theminoritymindset.com/fundrise

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The Only 5 ETFs I’d Hold for the Next 20 Years (Even Through Crashes) Mar 31, 2026

Show notes

"If you're buying during the peaks when everybody's getting rich, when everybody's talking about the markets booming, and then you sell when markets go down, it's not a recipe for profit."

The stock market averages 10% annual growth, but most investors underperform that number because they buy at peaks and sell during downturns. This episode makes the case that the solution isn't timing the market; it's holding the right ETFs long enough to survive and profit from the volatility that shakes out everyone else.

Jaspreet Singh walks through five categories of ETFs worth holding for the next two decades: broad economy, dividend income, international markets, protectionary assets, and risk-on sector bets. He also covers specific fund examples in each and a consistent strategy for buying through downturns rather than fleeing them.

In this episode, you'll learn:

Why most investors lose money despite a 10% average annual market return: they buy during peaks and sell during crashes instead of holding through volatility
The ABB strategy (Always Be Buying) and why automating consistent purchases regardless of market conditions is the core habit for long-term ETF investors
Four broad economy ETF options ranging from global (VT) to U.S. total market (VTI) to S&P 500 (SPY) to NASDAQ 100 (QQQ) and how they differ in breadth, risk, and volatility
Why dividend ETFs like SCHD, VYMI, NOBL, and VIG require a "decade of sacrifice" before generating meaningful passive income and why patient investors are rewarded for sticking it out
How to invest internationally beyond the U.S. from broad global exposure (VXUS) to emerging markets (VWO) to individual country ETFs for India (INDA), China (MCHI), Japan (EWJ), and Germany (EWG)
Why gold via ETF GLD belongs in a portfolio as a hedge and protected play rather than a growth investment and why it tends to surge during economic uncertainty and fall when confidence recovers
Three risk-on ETF examples for investors with a directional thesis: NASDAQ tech (QQQ), semiconductors (SOXX), and quantum computing (QTUM)
Why market crashes are the best time to buy more of a good investment and how investors who panic and sell lock in losses while disciplined buyers accumulate at a discount

Keywords: ETF investing, long-term investing, dividend ETFs, S&P 500, international investing, gold hedge, semiconductors, NASDAQ, wealth building, always be buying

Want more financial news? Join Market Briefs, my free daily financial newsletter: https://link2.briefs.co/gie

Below are my recommended tools!

----------

➤ 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

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3) Fundrise - Invest in real estate with as little as $10!

https://theminoritymindset.com/fundrise

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This 1 Thing Determines Who Becomes Rich vs Who Stays Broke Mar 26, 2026

Show notes

"The most expensive line in the world that has killed more dreams than any alarm clock is what will other people think."

Building wealth is not a knowledge problem, the math is simple. Invest $4 a day into a broad market index from age 21 to 65 and you retire a millionaire. Yet most Americans approach retirement with little to nothing saved. The gap isn't strategy. It's the ability to filter out noise, ignore social pressure, and stay consistent long enough for the math to work.

Jaspreet Singh makes the case that mindset and emotional discipline matter more than any investment tactic and walks through why: from the social pressure to spend and look wealthy, to panic-selling during downturns, to the habit of blaming external forces instead of taking ownership of financial outcomes.

In this episode, you'll learn:

Why the bumblebee is the right model for financial success: it ignores what experts say is impossible and flies anyway
How social pressure from friends, family, and online culture derails more wealth-building journeys than bad investment decisions ever do
Why the technical knowledge of what to invest in matters far less than the emotional discipline to stay consistent, especially when markets drop 10%, 25%, or 50%
The TRM framework: Time, Return, and Money which are the three variables that determine how much wealth you accumulate, and why time is the most powerful lever of the three
Why taking personal responsibility is the turning point — blaming the government, banks, corporations, or the school system may all be accurate, but none of it changes the outcome
How spending to look wealthy (luxury goods, status cars, fancy apartments) is the specific mechanism that keeps most people broke, not a lack of income
Why following the financial behavior of the majority leads to majority outcomes: little savings, little investment, and financial stress
Why there is no single right path to wealth; business ownership, job income, real estate, stocks and why matching the path to your own risk tolerance and goals matters more than copying someone else's playbook

Keywords: wealth mindset, financial discipline, investing habits, personal responsibility, money mindset, stock market investing, financial education, wealth building, emotional investing, minority mindset

Want more financial news? Join Market Briefs, my free daily financial newsletter: https://link2.briefs.co/gie

Below are my recommended tools!

----------

➤ 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

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Buy These 5 ETFs Before AI Crashes The Stock Market Mar 24, 2026

Show notes

"You need to not just be thinking about AI proofing your career, but also AI proofing your investment portfolio."

AI is expected to displace white-collar and blue-collar jobs faster than any previous technological shift. That creates risk not just for careers but for investment portfolios, particularly stocks in industries that haven't adapted. This episode maps out five investment categories that can hold up or benefit regardless of where the AI revolution lands.

Jaspreet Singh walks through five themes real estate, food, the experience economy, AI infrastructure, and energy. Along with specific ETF examples for each, and closes with an honest look at what happens to the broader economy if AI-driven unemployment spikes faster than new jobs are created.

In this episode, you'll learn:

Why real estate is AI-proof: people will always need housing, places to eat and shop, and data centers to run AI with ETF examples including REIZ, VNQ, and data center plays EQIX and DLR
How AI-driven unemployment could actually benefit landlords by pushing more people out of homeownership and into renting
Why the food and restaurant industry remains a necessary investment even as robots handle food prep with BITE as a broad restaurant ETF covering fast food, casual dining, and coffee chains
How the experience economy; travel, hotels, concerts, live events, could grow if people have more free time, with ETFs like JETS and AWAY as broad plays
Five ways to invest directly in the AI revolution: semiconductors (SMH), the NASDAQ 100 (QQQ), robotics (BOTZ, ROBT), and data centers (DTCR)
Why energy is one of the most overlooked AI investment themes; every AI query consumes electricity, and demand is rising fast with utility ETFs XLU, VPU, and infrastructure ETF PAVE
Why this AI shift is different from previous technology waves: it's moving fast enough that job displacement may outpace job creation in the short term
Why becoming an investor now matters more than ever and why depending on government support if AI disrupts income is a risky strategy

Keywords: AI investing, ETFs, real estate investing, AI-proof portfolio, energy investing, robotics, semiconductors, experience economy, wealth building, financial education

Want more financial news? Join Market Briefs, my free daily financial newsletter: https://link2.briefs.co/gie

Below are my recommended tools!

----------

➤ 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

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The Middle Class Will Never Build Wealth — Here’s How To Escape Mar 19, 2026

Show notes

"Wealthy people are working to own the corporate ladder. Everybody else is working to climb the corporate ladder."

Most people are never taught how money actually works (not in school, not at home) which is why so many work hard their entire lives without building real wealth. This episode traces the gap between what the education system teaches and what actually creates wealth, using Jaspreet Singh'smown story to show how that gap gets discovered and crossed.

Jaspreet walks through his path from playing drums at Indian weddings to buying his first rental property at age 19 for $8,000, and how those early experiences revealed the difference between assets and liabilities, and why most people's biggest perceived asset is actually their largest financial trap.

In this episode, you'll learn:

Why the one difference between people who build wealth and those who don't is understanding how money works and why the school system never teaches it
Why the traditional path of school, grades, and a good job produces employees, not wealth builders and what the wealthy actually focus on instead
The three things that have created more wealth than anything else over the last century: starting a business, investing in real estate, and investing in stocks
How he purchased his first rental property a foreclosed condo for $8,000 at age 19 and immediately rented it out for $600 a month
Why a personal home is a liability, not an asset and why "generational wealth" through homeownership is one of the most misunderstood ideas in personal finance
How bank mortgage front-loading works: for almost the first 15 years of a 30-year mortgage, the majority of each monthly payment goes to interest, not equity and how refinancing resets that clock
The difference between a primary residence (which costs money to maintain) and a rental property (where rent covers expenses and generates cash flow on top)
Why inheriting a paid-off home without financial education often results in spending the proceeds rather than building on them

Keywords: wealth building, financial education, real estate investing, assets vs liabilities, mortgage, middle class, passive income, generational wealth, money mindset, personal finance

Want more financial news? Join Market Briefs, my free daily financial newsletter: https://link2.briefs.co/gie

Below are my recommended tools!

----------

➤ 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

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➤ Real Estate Investing Online

3) Fundrise - Invest in real estate with as little as $10!

https://theminoritymindset.com/fundrise

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The Last Time This Happened, Lots of Regular People Got Rich (It's Happening Again) Mar 17, 2026

Show notes

"Your first threat isn't you being replaced by AI. It's you being replaced by somebody who understands AI."

The internet created millionaires in the 1990s. Digital businesses did it again in the 2000s. The pattern is repeating now with AI and most people are once again sitting on the sidelines, which is exactly what creates an early-mover opportunity for those paying attention.

Jaspreet Singh breaks down three ways to capitalize on this shift: investing in AI infrastructure instead of trying to pick the winning AI company, using AI to build or improve a business, and making yourself harder to replace at work by learning the tools before your employer forces you to.

In this episode, you'll learn:

Why AI adoption is accelerating faster than any previous technology. ChatGPT reached 1 million users in 5 days versus 3.5 years for Netflix and why that speed is leaving most people behind
The difference between today's generative AI and the ultimate goal of AGI (Artificial General Intelligence) and why the gap between the two is where the biggest investment opportunity sits
Why investing in AI infrastructure the picks and shovels of the gold rush is more reliable than betting on which AI company wins the race
Five AI infrastructure categories with specific ETF examples: cloud computing (SKY), data centers (DTCR, SRVR), cyber security (CIBR, HACK), robotics (BOTZ, ROBO), and semiconductors (SOXX, SMH)
Why cyber security is an overlooked but growing opportunity as businesses and governments pour sensitive data into AI systems that need to be protected
How Briefs Media pivoted from financial media to financial technology and why Jaspreet made that shift before AI made their content business uncompetitive
Three ways entrepreneurs can build revenue from the AI shift: consulting businesses on AI implementation, building software tools, or using AI to optimize an existing operation
How to use AI to audit your own job prompting it with your daily tasks and goals to find specific ways to increase efficiency, productivity, and job security

Keywords: AI investing, artificial intelligence, technology stocks, ETFs, AI infrastructure, semiconductors, cloud computing, robotics, cybersecurity, wealth building

Want more financial news? Join Market Briefs, my free daily financial newsletter: https://link2.briefs.co/gie

Below are my recommended tools!

----------

➤ 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

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10 Reasons Most People Will Stay Broke In 2026 (And Don't Even Know It) Mar 12, 2026

Show notes

"Our economic system is designed to benefit investors and if you don't understand that you will never be able to win in the system."

Most people are locked out of wealth not by circumstance but by mindset. Shaped by the environments they grew up in, the stereotypes they've internalized, and invisible psychological barriers they don't even know exist. This episode pairs a concrete breakdown of how Jaspreet Singh structures his own portfolio with a deeper conversation about why most people never get started in the first place.

Jaspreet walks through his five-part investment allocation: business, real estate, stocks, speculative assets, and gold. He then shifts to the beliefs, limitations, and self-imposed ceilings that keep most people from ever imagining, let alone building, real wealth.

In this episode, you'll learn:

How his portfolio breaks down: roughly 50% real estate, 30% stocks (split evenly between individual companies and ETFs), 18% speculative assets including crypto and startups, and 2% physical gold
Why cryptocurrency belongs in the speculative category, something that can rise fast and fall just as fast and why treating it as a primary wealth-building vehicle is a mistake
Why physical gold is not an investment but a way of saving hard money and holding insurance against currency instability or economic collapse
How to structure cash into separate buckets: personal emergency savings, business emergency savings, and capital staged for deployment into real estate, stocks, and speculative assets
Why the first step to building wealth is saying "I will become wealthy" not "I might" or "I can" and how belief systems formed in childhood cap financial ambition before it starts
How stereotype threat research shows that reminding people of a negative identity assumption before a task causes measurable performance drops and how the same dynamic plays out with money
What the nine dots exercise reveals about invisible, self-imposed limits that make people call things impossible before they've tried thinking outside the boundary
Why getting even one early taste of financial success permanently breaks the illusion that wealth belongs only to other people

Keywords: money mindset, wealth building, cryptocurrency, portfolio allocation, real estate investing, speculative investing, financial freedom, invisible barriers, self-belief, financial education

Want more financial news? Join Market Briefs, my free daily financial newsletter: https://link2.briefs.co/gie

Below are my recommended tools!

----------

➤ 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

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The Passive Income Lie Keeping You Broke - And Angry Mar 10, 2026

Show notes

"Passive income is not creating a job for yourself."

The passive income space is full of misleading advice; side hustles, e-commerce stores, and YouTube channels are marketed as passive but require active work to generate income. This episode redefines what passive income actually is: taking extra money and investing it into assets that deposit cash into your account regularly, without requiring you to sell or actively operate anything.

Jaspreet Singh walks through four vehicles for generating real passive income: dividend stocks, dividend ETFs, rental real estate, and cash investments. He includes specific examples, return benchmarks, tax advantages, and a framework for building the habit over time.

In this episode, you'll learn:

Why side hustles, e-commerce stores, and content channels are active income, not passive and what the correct definition of passive income actually is
How dividend-paying stocks work, using McDonald's as an example: over $8 billion in annual profit distributed as roughly $7 per share to shareholders each year
Why chasing the highest dividend yield is a mistake and how a lower-yield stock with a rising price can outperform a high-yield stock with a declining one over a five-year period
Four dividend ETFs across different risk and income profiles: NOBL (S&P 500 dividend aristocrats with 25+ years of consecutive dividend increases), SCHD (high dividend U.S. companies), VIG (dividend growth focus), and VYMI (international dividend payers)
The ABB strategy (Always Be Buying) and why automating weekly share purchases regardless of market conditions is the core execution habit
How the 27.5-year depreciation deduction on single-family rentals reduces taxable income, and how accelerated depreciation can create a paper tax loss even when money is sitting in the bank
The house hacking approach: buying a multi-unit property as a primary residence, renting out the other units to offset costs, then moving out after a year to convert it to a full rental
How high-yield savings accounts, CDs, and treasuries compare as places to park cash and why a standard savings account at 0.4% loses real value to inflation

Keywords: passive income, dividend investing, dividend ETFs, rental real estate, cash flow investing, real estate depreciation, house hacking, high yield savings account, wealth building, financial freedom

Want more financial news? Join Market Briefs, my free daily financial newsletter: https://link2.briefs.co/gie

Below are my recommended tools!

----------

➤ 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