“The money game has changed, but most people are playing like it’s still 1995.”

School told you to study hard, get a good job, save a little, and you’ll retire rich. Reality check: underemployment is rampant, AI is reshaping jobs, savings lose to inflation, and Social Security is strained. In this episode, Jaspreet breaks down how the system actually works, and how to use it to your advantage.

What You’ll Learn

• 
  

  The 3 rules of money:

  
  
  
  
  1. 
     

     Money flows to owners/investors

     
     
  
  
  2. 
     

     Inflation benefits owners, not spenders

     
     
  
  
  3. 
     

     The tax code rewards investors over W-2 income

     
     
  
  
  
  


• 
  

  Why “be a business owner” can mean buying the business (owning shares), not starting one

  
  


• 
  

  The 75/15/10 system to automate spending, investing, and saving (with 3 bank accounts)

  
  


• 
  

  How to use banks, corporations, and the tax code for you (not against you)

  
  


• 
  

  Why downturns (2000, 2008, 2020, 2022) create buying opportunities for prepared investors

  
  

Chapters

00:00 Hook: You’ve been lied to

01:08 Why the old playbook fails (jobs, AI, inflation, Social Security)

04:20 Who really profits: consumers vs. businesses vs. investors

07:12 Rule #1: Money flows to owners

09:10 Rule #2: Inflation’s hidden transfer of wealth

11:45 Rule #3: Taxes—W-2 vs. investor income

14:20 “Be a business owner” by buying pieces of great companies

17:05 The 75/15/10 plan + 3 accounts automation

21:00 Smart saving (emergency/big purchases) vs. investing

24:10 Avoid desperation traps & get-rich-quick pitches

27:30 Using downturns to your advantage

30:00 Action plan & next steps

Keywords: building wealth 2025, new rules of money, why the rich get richer, investor vs employee taxes, inflation explained for investors, become a business owner by buying stocks, 75/15/10 rule, automate investing three bank accounts, Minority Mindset wealth, Social Security retirement crisis, how to start investing, downturn buying opportunities

#investing #personalfinance #wealthbuilding #inflation #taxes #stockmarket #MinorityMindset #financialeducation

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