The Minority Mindset Show

By minoritymindsetBusiness Entrepreneurship Investing

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The Minority Mindset Show episodes

September 06The Banking Trick No One Is Explaining (This Changes Everything)
"The stupider that you are with your money, the richer that your banker gets."

Most people deposit money into banks, finance purchases through them, and take financial advice from them, without realizing that the bank's incentives run directly counter to their own. This episode pulls back the curtain on how the banking system actually works and why understanding it is the first step to using it in your favor.
Jaspreet Singh walks through five things banks don't want customers to know. From how fractional reserve lending multiplies their money using yours, to why your banker isn't your financial adviser, to how you can flip the script by becoming an owner of the very institutions profiting from your decisions.

In this episode, you'll learn:
How credit card math works against you: $6,000 in debt at 25% APR compounded over 45 years would grow to over $130 million, which is exactly the math credit card companies have already run
How fractional reserve lending works: when you deposit $100, the bank lends out $90, which gets deposited elsewhere and lent out again creating a chain of money creation that only holds up if most customers never withdraw at the same time
Why FDIC insurance was created and what it actually protects: deposits up to $250,000 in the event of a bank run or collapse
Why your banker is not your financial adviser. They earn commission on loans, and the bigger the mortgage or car loan they sell you, the bigger their paycheck
How saving at the average 0.4% interest rate loses real purchasing power against the reported 23% cumulative inflation of the last five years
Why high-yield savings accounts are better than standard savings but still don't grow the principal and why investing is required to actually build wealth
How to flip the script by owning bank stocks instead of just depositing in them with dividend yield examples from JP Morgan (2.4%), Bank of America (2.8%), and TD Bank (4.9%)
Why the economic system is designed to benefit investors, not savers or employees and how shifting from consumer thinking to owner thinking changes financial outcomes

Keywords: banking system, fractional reserve lending, credit card debt, FDIC insurance, dividend investing, wealth building, financial education, savings vs investing, inflation, bank stocks

Want more financial news? Join Market Briefs, my free daily financial newsletter: https://link2.briefs.co/gie
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
----------
18 min
September 05Something Just Broke Inside The Federal Reserve
"It's a tax. It's just a hidden tax because the person that pays the price is the person that doesn't understand how it works."

This episode explains why the Federal Reserve's new chairman, Kevin Warsh, is now signaling higher interest rates instead of the cuts President Trump has been promising for the last 18 months. He breaks down the Fed's dual mandate, why inflation is currently outweighing job market concerns, and why this shift matters for the government's $40 trillion in national debt.

Jaspreet Singh draws a parallel to the 1970s, when money printing, an oil crisis, and interest rate cuts that came too early caused inflation to spike back up, and explains what that history suggests could happen in 2026. He closes by covering how different types of investments tend to perform depending on which direction the Fed moves.

In this episode, you'll learn:
Why new Fed chair Kevin Warsh is signaling higher interest rates instead of the cuts Trump promised
The Fed's dual mandate and why it can't fight inflation and a weak job market at the same time
Why tariffs and oil prices tied to the Middle East conflict are pushing inflation higher in 2026
Why the Fed targets 2% inflation and how inflation quietly benefits investors over savers
The 1970s parallel: leaving the gold standard, heavy money printing, an oil crisis, and rate cuts that came too early
Why almost a third of the national debt is set to refinance in 2026 and how that raises government interest costs
How debasement trade assets like gold, silver, and Bitcoin react to a stronger versus weaker dollar
Why dividend stocks and broad index funds like the S&P 500 tend to hold up during periods of higher rates

Keywords: interest rates, Federal Reserve, inflation, national debt, dividend stocks, S&P 500, debasement trade, Bitcoin, gold, monetary policy

✅ Grab a FREE copy of my ebook ABB: Always Be Buying here:

Welcome to the Minority Mindset Show!
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
----------
23 min
September 04Buy These 5 Assets To Replace Your Paycheck (And Never Work Again)
"When you work a job, you have to work to get paid. When you own the asset, you work to buy the asset and then it pays you forever."

This episode covers why the paycheck-to-spending cycle most people are taught keeps them working forever, and why wealthy people instead use their paychecks to buy assets that generate cash flow. He covers five types of cash flowing assets and what it actually takes to replace a full time income with passive money coming in.

Jaspreet Singh walks through dividend stocks, rental real estate, interest income, royalties, and other creative income sources, using examples like Warren Buffett's Coca-Cola stake and a sample rental property deal. He closes with the math behind building $80,000 a year in passive cash flow using the time, money, and returns framework.

In this episode, you'll learn:
How Warren Buffett's Coca-Cola dividend stake generates cash flow without selling a single share
The difference between investing in individual dividend stocks and dividend focused funds
Why chasing a high dividend yield can be a warning sign instead of an opportunity
How rental property cash flow, depreciation, and the 1031 exchange work together to build wealth tax efficiently
How to generate interest income through high yield savings accounts, bonds, and land contracts
How royalties from intellectual property, books, and content create income after the work is done
Other cash flow ideas like Airbnb, Turo, renting out baby equipment, and owning a business you don't personally run
The time, money, and returns framework behind reaching $80,000 a year in passive cash flow

Keywords: cash flow investing, dividend stocks, rental income, real estate depreciation, 1031 exchange, interest income, royalty income, passive income, financial freedom, wealth building

✅ 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
----------
47 min
September 03If You Have $10,000, Do These 3 Things Right Now
"Panic leads to overselling, leads to opportunity, leads to profits."

This episode answers a question Jaspreet Singh was asked in New York: what should someone do with $10,000? He breaks down three ways to invest it, passively, actively, or into yourself, and explains why the right approach depends on whether the goal is steady income or long term growth.

Jaspreet walks through the historical returns of investing a lump sum in the stock market, his ABB (Always Be Buying) dollar cost averaging strategy, and how to spot buying opportunities during market crashes and market shifts. He also covers starting a business as an active investment and investing in skills, certificates, and networking as ways to grow income outside the market.

In this episode, you'll learn:
How a one-time $10,000 investment in the S&P 500 would have grown over 10, 30, and 50 years
Why a market crash only costs you money if you sell, using the 2020 and 2022 downturns as examples
The ABB (Always Be Buying) dollar cost averaging strategy versus investing a lump sum all at once
The POP framework, panic, overselling, opportunity, profits, for buying during market downturns
How to get exposure to real estate with $10,000 through alternative platforms and syndicate deals
The math behind growing a small business by 20% a year over one, five, and twenty years
Building an MBA level education by reading 25 books instead of paying for a degree
High income skills, certificates, and networking as ways to grow your income outside the market

Keywords: investing $10,000, dollar cost averaging, S&P 500, stock market crash, real estate investing, syndicate real estate, starting a business, high income skills, personal finance, wealth building

✅ Grab a FREE copy of my ebook ABB: Always Be Buying here:

Welcome to the Minority Mindset Show! Want more financial news? Join Market Briefs, my free daily financial newsletter: https://link2.briefs.co/gie
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
----------
Welcome to the Minority Mindset Show! Want more financial news? Join Market Briefs, my free daily financial newsletter: https://link2.briefs.co/gie
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
----------
33 min
September 02The IRS Is Disappearing (And The Rich Know It)
"It's not how much money you make that matters. It's how much money you keep."

This episode covers the newest updates to the tax overhaul President Trump signed in 2025, including how the IRS is now interpreting rules on overtime pay, tips, and the $1,000 Trump accounts for kids. He breaks down the actual 2026 marginal tax brackets, the higher standard deduction, and the new senior deduction, and notes that about a third of IRS auditors have recently been let go.

Jaspreet Singh walks through four assets wealthy people use to legally reduce how much they pay in taxes: the Roth IRA, real estate, oil, and business ownership. He explains strategies like the backdoor Roth IRA, real estate depreciation and the 1031 exchange, and the deductions available to business owners, drawing on conversations with Ken McElroy and Robert Kiyosaki to illustrate how each works in practice.

In this episode, you'll learn:
The updated 2026 marginal tax brackets under the One Big Beautiful Bill Act, and the new rules on tax free overtime pay and tip income, including the income phase out limits
The increased standard deduction and the new $6,000 senior deduction for people over 65
How a backdoor Roth IRA works for high earners who exceed the income limits
Real estate depreciation, accelerated depreciation, and the 1031 exchange
Ken McElroy's example of using bonus depreciation on a billboard investment, and Robert Kiyosaki's approach to reducing his tax bill through oil well investments
The qualified business income deduction and other common business write offs

Keywords: tax planning, tax brackets, One Big Beautiful Bill Act, Roth IRA, real estate depreciation, 1031 exchange, standard deduction, qualified business income, tax deductions, wealth building

✅ Grab a FREE copy of my ebook ABB: Always Be Buying here:

Welcome to the Minority Mindset Show! Want more financial news? Join Market Briefs, my free daily financial newsletter: https://link2.briefs.co/gie
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
----------
23 min
September 01America Is Running Out Of People To Buy Its Debt
"Because anytime money moves, somebody gets richer."

The U.S. government is running out of lenders for its $40 trillion national debt and what the Treasury Secretary's newly announced buyback plan, set to begin September 9, 2026, means for everyday investors. He explains why the government now plans to borrow short term debt to pay off its own long term debt, and why that shift is already moving markets.

Jaspreet Singh walks through the mechanics behind the plan, from the Federal Reserve's role in money printing to the Genius Act's new stablecoin rules, and connects rising Treasury rates to the mortgage, auto loan, and credit card rates people see every day. He closes by outlining how shifts like this one create investment opportunities across different asset types.

In this episode, you'll learn:
What nominal long end liquidity support buybacks are and why the government is using them, and how the Federal Reserve's money printing connects to inflation and the value of the dollar
How the Genius Act requires stablecoin companies to back their coins with U.S. Treasuries
Why Treasury rates directly affect mortgage rates, car loan rates, and credit card rates
Why cutting government spending by $2 trillion could shrink GDP more than the 2008 crash
How debasement assets like gold, Bitcoin, and silver typically react to concerns about the dollar

Keywords: national debt, Treasury buybacks, Federal Reserve, inflation, Genius Act, stablecoins, mortgage rates, debasement trade, S&P 500, real estate investing

✅ Grab a FREE copy of my ebook ABB: Always Be Buying here: https://go.briefs.co/abb-ebook/?utm_campaign=tof_content&utm_medium=organic&utm_source=podbean&utm_placement=podbean_description&utm_term=mm&utm_content=its_over_america_is_now_buying_its_own_debt&utm_category=null&utm_headline=null&utm_copy=null&utm_hook=null&utm_media=null&utm_funnel_type=ap2vsl&utm_audience=null&utm_owner=as

Welcome to the Minority Mindset Show! Want more financial news? Join Market Briefs, my free daily financial newsletter: https://link2.briefs.co/gie
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
----------
37 min
August 31You Are Trained To Be POOR - Don't Do These 10 Things
"Our system is designed to keep the majority of people broke financially and poor mentally."

Banks profit when you're in debt. Corporations profit when you keep consuming. Governments profit when you're an employee paying ordinary income taxes instead of an investor paying capital gains rates. The system isn't broken; it's working exactly as designed for people who understand it, and against everyone who doesn't.

Jaspreet Singh walks through 10 habits that keep most people trapped, from spending money they don't have on depreciating liabilities, to chasing get-rich-quick opportunities, to inflating their lifestyle every time income goes up and explains what to do instead at each step.

In this episode, you'll learn:
The three C's: cars, credit cards, and lines of credit and why paying interest on things that lose value is a triple wealth killer that compounds against you the same way investing compounds for you
Why becoming an investor, not just an employee, is the only way to win in the American economic system. Consumers send money to businesses, and the profits flow to investors and entrepreneurs, not to the people buying the products
The tax code advantage most people don't realize: a surgeon earning $1 million pays roughly 50% in combined taxes, while an investor earning $1 million in long-term capital gains pays a maximum of 20%, the system legally rewards investment income over earned income
Why lifestyle inflation is one of the fastest ways to stay broke and why investing raises and bonuses more aggressively than you increase spending is how wealth accelerates

Keywords: financial education, avoid debt, consumer vs investor, tax advantages, long-term investing, lifestyle inflation, wealth building, financial freedom, capital gains, personal finance

Want more financial news? Join Market Briefs, my free daily financial newsletter: https://link2.briefs.co/gie
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
----------
24 min
August 27The Real Reason Why Most Americans Feel Poorer (And How To Fix It)
"Nobody wants to buy the decade of sacrifice. But the reality is if you actually want to build wealth, you can't get there without a decade of sacrifice."

Between 2020 and 2026, U.S. median income grew 21.8% but the cost of living grew 22.7%, and for many people, real inflation felt closer to double the reported numbers. That's why six-figure earners still feel broke: wages haven't kept up, and without a system for money, a raise just qualifies you for more debt.

Jaspreet Singh walks through a step-by-step framework for breaking the cycle; starting with getting out of the financial danger zone, building the 75-15-10 system, paying down consumer debts, and eventually focusing on earning more once the foundation is in place.

In this episode, you'll learn:
Why the financial danger zone (having no emergency savings and carrying credit card debt) makes you vulnerable to every financial scam and predatory product, and why getting out requires cutting restaurants, travel, name-brand purchases, and Netflix until it's resolved
How the 75-15-10 rule works across three separate bank accounts, why automation is non-negotiable, and how to think of the 25% you set aside as a tax on yourself instead of the government
The rule of five: if you can't afford to buy five of something, you can't afford one, a spending filter for luxuries that protects investment capital
Why earning more money should come last, not first, without a system in place, a raise just unlocks more credit, bigger car payments, and a deeper hole

Keywords: inflation vs wages, financial danger zone, 75-15-10 rule, paying off debt, wealth building, emergency savings, decade of sacrifice, investing, earning more money, personal finance

Want more financial news? Join Market Briefs, my free daily financial newsletter: https://link2.briefs.co/gie
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
----------
25 min
August 25Trump's 2026 Plan To Cancel Your Income Tax Has Just Begun (5 Cuts You're Missing)
"If you pay too much money in taxes, they don't say anything. But if you don't pay enough money in taxes, you get fined."

President Trump's One Big Beautiful Bill Act is the largest tax cut in U.S. history. It lowered marginal income tax rates across every bracket, raised the standard deduction above 2025 levels, and introduced several provisions the media largely overlooked. For most Americans the result is a lower tax bill, but only if they know what to claim.

Jaspreet Singh breaks down exactly how the new tax brackets and standard deductions compare to what they would have been without the bill, then walks through five specific provisions that could reduce what you owe even further.

In this episode, you'll learn:
How the new tax brackets compare to both 2025 rates and what rates would have reverted to without the bill with the top rate dropping from 39.6% to 37% and mid-bracket rates falling from 25% to 22% and 28% to 24%
The SALT cap increase from $10,000 to $40,000 for state, local, and property taxes. Giving homeowners in high-tax states like California, New York, and New Jersey the ability to itemize beyond the standard deduction for the first time in years
The senior bonus ($6,000 additional deduction for those over 65 earning under $75,000 single or $150,000 married) and the Roth 401k catch-up rule requiring high earners over 50 to route catch-up contributions through a Roth rather than a traditional 401k
No taxes on tips (up to $25,000) and no taxes on overtime income (up to $12,500 single / $25,000 married) both available through 2028 for workers earning under $150,000 single or $300,000 married filing jointly

Keywords: Trump tax cuts, One Big Beautiful Bill, 2026 tax brackets, SALT deduction, no tax on tips, no tax on overtime, Roth 401k, senior tax deduction, standard deduction, tax strategy

Want more financial news? Join Market Briefs, my free daily financial newsletter: https://link2.briefs.co/gie
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
----------
14 min
August 18TrumpIRA - Trump Just Quietly Replaced The 401k
"You can print the dollars, but you cannot print the wealth."

President Trump just signed an executive order creating the Trump IRA. A new government-backed retirement account designed to give the 56 million American workers who don't have access to a 401k a way to invest for retirement. It caps fees at 0.15%, requires no minimum contributions, is portable across jobs, and offers up to $1,000 annually in government matching for qualifying low-income earners.

Jaspreet Singh breaks down how the Trump IRA compares to a 401k, what it actually costs the government to fund it, and why the real story isn't just about retirement. It's about what happens to the stock market, inflation, and investor opportunity when billions of new dollars are scheduled to enter the market starting in 2027.

In this episode, you'll learn:
How the average 401k fee of 1.26% silently erodes retirement savings. Turning a projected $679,000 into $540,000 over a 30-year career and why the Trump IRA's 0.15% fee cap could save the average investor over $120,000
Who qualifies for the government's $1,000 annual contribution: single filers earning under $20,500 must contribute at least $2,000 per year to receive the full match, with the benefit phasing out entirely above $35,500 single or $71,000 married filing jointly
Why the government funding this program will likely require more money printing, since the U.S. already runs a $2 trillion annual deficit, and how that money printing creates inflation that makes salaries and savings worth less while boosting asset prices for investors
How an estimated $32–68 billion in new dollars entering the stock market starting in 2027 could increase demand and prices for broad market funds, while also increasing volatility, creating larger crashes that become bigger buying opportunities for financially prepared investors

Keywords: Trump IRA, 401k replacement, retirement accounts, government match, expense ratio, money printing, inflation, stock market investing, VTI, S&P 500

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

About The Minority Mindset Show

From the publisher's feed

Welcome to The Minority Mindset Show, hosted by Jaspreet Singh. Learn about success, wealth, business, guacamole and whatever else Jaspreet decides to talk about.