Minority Mindset

AI Isn’t Coming… It’s Already Here. Are You Ready?

The truth is simple: the rich are using AI to protect and grow their money, while most people are still asking ChatGPT for guacamole recipes. AI is no longer just a tool; it is becoming a force that will shape the way we work, earn, and invest.

If you are not learning how to use AI, you might get left behind. The good news is that understanding it now gives you a huge advantage. You can start building a personal AI game plan today.

1. The AI Bubble: Should You Be Worried?

Right now, some people are saying AI is a bubble, just like the internet was in the 1990s. At that time, people were throwing money at dot-com companies that had no real business plan. Many failed, but the internet itself did not disappear. It changed the world.

AI is the same. Even if some companies crash or valuations fall, AI will keep growing and impacting every industry. The big question is not whether AI will survive, but whether you are ready to use it.

Learning AI now is not optional—it is essential.

2. How to Make Money with AI

There are two main ways to turn AI into income:

A. Make your current work faster and better - AI can help you save time, reduce mistakes, and make smarter decisions. Some tools to start with:

● Claude for writing and editing
● MidJourney for graphics and short videos
● Otter.ai for meeting notes
● GitHub Copilot for coding
● ChatGPT for data analysis and summaries

B. Create new business opportunities - AI is powerful, but most people and businesses don’t know how to use it yet. That gap is your opportunity. A few examples:

● Build virtual tours for real estate agents to show homes with AI staging
● Help doctors transcribe and summarize patient notes
● Automate bookkeeping for accounting firms
● Help lawyers draft and respond to emails faster
● Plan routes and estimates for service-based businesses like window washers

The key is simple: if you save people time or money, they will pay you.

3. How to Invest in AI

Investing in AI is more than buying stock in one company. Think about the bigger picture:

● Single stocks have high risk and high reward. A company like Nvidia could grow a lot, but it could also lose value.
● ETFs give you exposure to a group of stocks and are safer. Examples include BOTZ for robotics and IYW for U.S. tech companies.

But you can think even deeper. AI needs data to function, which means more data centers. Data centers need energy to run and cooling to keep everything from overheating. Each step - AI companies, data centers, energy providers, cooling tech - creates a possible investment opportunity.

The lesson is this: the AI economy is layered, and understanding those layers can help you spot opportunities before everyone else does.

4. Why This Matters Right Now

AI is not a trend, it is a fundamental shift. Jobs, industries, and even how money works are changing fast. At the same time, banks are tightening loans, which could signal an economic slowdown.

If you want to thrive, you need a game plan:

1. Learn AI tools for your job or future career
2. Find ways to earn money using AI
3. Invest smartly by thinking beyond the obvious companies

The AI wave is coming, and it is moving faster than most people realize. Are you going to ride it, or are you going to get left behind?

Also, stay up to date on what is happening so you know when to take action by subscribing to Market Briefs for FREE! Enjoy!

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Minority Mindset

The Truth About the U.S. Dollar Nobody’s Talking About

In 1944, the U.S. dollar became the main currency of the world, the one every country trusted. That was because each dollar was backed by real gold.

This gold backing kept the dollar valuable and limited how much money the government could print. But in 1971, President Richard Nixon ended the gold standard. After that, the dollar was no longer tied to gold.

It was only worth something because people trusted the U.S. government.

Since then, the U.S. has been spending more money than it earns through taxes every year.

To pay for the extra spending, the government borrows money, or the Federal Reserve creates more dollars.

That might sound strange, but it’s true. The government can create money out of nothing when it needs to.

The Big Turning Points

In 2008, the Federal Reserve printed about $1 trillion to save the economy after the housing crash.

In 2020, during the pandemic, it printed around $5 trillion to keep the country running.

Both times helped in the short term, but they also caused prices to rise. This is called inflation, and it makes each dollar weaker.

Now it’s 2025, and big financial companies like JP Morgan, BlackRock, and The Guardian are saying that trust in the U.S. dollar is fading.

The CEO of BlackRock even said the dollar could one day be replaced by Bitcoin. That doesn’t mean the dollar will crash right away, but it shows that many people are starting to look for other options.

What Smart Investors Are Doing

The smartest investors aren’t panicking. They’re spreading their money into different areas to stay safe if the dollar weakens.

Here are the four main places they’re putting their money right now:

1. Gold – It’s rare, holds value, and protects against inflation.
2. Real Estate – It’s physical, earns rent, and rises in value when the dollar falls.
3. Foreign Businesses – Gives investors access to economies outside the U.S.
4. Bitcoin – Digital “gold.” It’s risky but has high potential rewards.

Don’t panic, and don’t believe everything you hear. Learn what’s really happening. The dollar isn’t going to fall apart tomorrow, but changes are already happening slowly.

When the government keeps printing money, prices go up, and trust goes down. That’s why smart investors plan.

If you understand how money works, you can make better choices and protect your future.

Emotions cause people to lose money. Knowledge helps people grow it.

Also, stay up to date on what is happening so you know when to take action by subscribing to Market Briefs for FREE! Enjoy!

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Minority Mindset

Is the Housing Market in Trouble? Here’s What You Need to Know

Something big is happening in real estate right now.

Recent reports show that fewer people are buying homes, more homes are for sale, and prices are starting to fall in many places.

That sounds good if you want to buy a house, but not so good if you already own one.

Here’s what’s surprising.

Over the past few months, a record number of home sales have been canceled.

In June, cancellations hit a new high, and in July, it got even worse. About one in seven home sales were canceled.

So there are fewer buyers, more sellers, and prices are slipping.

But before you worry too much, remember that housing is local.

Some cities like Austin and Miami are seeing prices drop fast, while places like Michigan and Ohio are still doing well.

So what’s really causing all this?

It comes down to affordability.

If you bought a $400,000 home in 2020, your monthly payment might have been about $1,350.

Today, that same house might cost around $588,000, and the payment could be over $3,000 a month.

Same house, double the cost.

It’s not just higher prices. Property taxes, insurance, and loan costs have all gone up, too.

That’s why so many people feel like they can’t afford to buy right now.

There are only three ways housing can become more affordable.

Home prices could drop. Mortgage rates could drop. Or people could make more money.

But each option has problems.

If prices fall too much, millions of homeowners could owe more than their houses are worth, like in 2008.

If mortgage rates fall, more people might rush to buy, which could push prices higher again.

So what should you do?

Don’t try to time the market.

Buy a house only when you can afford the down payment, the mortgage, and all the other costs.

If you can’t afford it yet, keep renting until you can.

Housing prices go up and down.

But being smart with your money always pays off.

Also, stay up to date on what is happening so you know when to take action by subscribing to Market Briefs for FREE! Enjoy!

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1 month ago (edited) | [YT] | 241

Minority Mindset

The Investing System You Wish You Found Sooner

If you gave me a time machine and sent me back 15 years, when I first started investing, there’s one thing I’d do differently, and it is not what you think.

Wealthy people have an investing playbook.

It’s a system that helps them grow their money no matter what happens in the markets.

Whether the economy is booming, crashing, or standing still, their plan still works.

It took me years of mistakes to figure this out.

So here’s how you can build your own playbook in five simple steps.

Step 1: Get the Money to Invest

My first mistake was not having a plan for my money.

I would make money, spend it fast, and later wonder where it all went.

For me, it was my car. I spent money on rims, lights, and sound systems.

When I finally thought about investing, nothing was left.

When you get paid, first set money aside to invest and save. Then spend what’s left.

Use the 75/15/10 rule:

● 75% for spending
● 15% for investing
● 10% for saving

If you’re young and don’t have many expenses, you can invest more.

Maybe try 50/30/20. The earlier you start, the more freedom you’ll have later.

It also helps to have three bank accounts: one for spending, one for saving, and one for investing.

This keeps you from using your investment money by mistake.

Step 2: Know Your Goal

Once you have money to invest, ask yourself why you’re investing.

Do you want cash flow (money that comes in regularly), or growth (your money’s value increases over time)?

For me, it’s cash flow.

When my investments pay me every month, I can live off that money even if my job or business slows down.

My first real investments were in real estate after the 2008 crash.

Property prices were low, and I started earning rent.

Later, I bought stocks without knowing the difference between cash flow and growth.

Once I focused on cash flow, things got better.

Step 3: Choose Your Strategy

Now that you know your goal, decide how to invest.

There are three main options:

1. Passive investing: You invest and let your investment grow, such as in index funds or real estate funds. Keep investing regularly, no matter what the market does.
2. Outsourced investing: You pay someone, like a financial advisor, to manage your money.
3. Active investing: You research and find opportunities before others do. It’s more work but can bring higher rewards.

Most people panic when markets drop. Pick your style and stick to it.

Step 4: Build Your Portfolio

Start with one type of investment. Learn it well. Then diversify.

Here’s how I divide my portfolio personally:

1. My business
2. Real estate for cash flow
3. Stocks for both cash flow and growth
4. Small portion in startups and crypto (high risk)
5. Gold (about 2%) as protection

Start small and expand over time.

Step 5: Selling and Taxes

Your selling plan depends on your goal.

I rarely sell my cash-flow investments because they pay me every month. But I might sell growth investments to buy more cash-flow assets.

Remember that selling means paying taxes.

If you buy $100 in stocks and sell for $500, you owe taxes on the $400 gain.

Real estate has special benefits, like the 1031 exchange, which lets you sell one property, buy another, and delay paying taxes.

Work with a tax expert to do it right.

So again, here’s the playbook I wish I had:

1. Create a system so you always have money to invest.
2. Know your goal: cash flow or growth.
3. Pick a strategy that fits you.
4. Build your portfolio step by step.
5. Understand when and how to sell.

Wealthy people don’t guess. They follow a system. Start building yours today, and in 15 years, you’ll be glad you did.

Also, stay up to date on what is happening so you know when to take action by subscribing to Market Briefs for FREE! Enjoy!

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Minority Mindset

Why So Many People Lose Money in the Stock Market

Most people lose money in the stock market even when they think they’re doing everything right.

Here’s an example.

Stock A costs $100 and pays a 5% dividend.
Stock B also costs $100 but pays 8%.
Which one pays more? Most people say B.
But the truth is, it depends.

UPS pays around a 7% dividend.
McDonald’s pays about 2%.
In the last five years, UPS fell almost 50%, while McDonald’s went up about 50%.
So the investor who focused on the higher dividend actually lost money.

Smart investors look beyond the dividend.

They ask:
→ Is it a good company?
→ Is the price fair?
→ Does it have a strong future?

A big dividend from a weak company is like shiny paint on a broken car.

Here are seven mistakes I see people make all the time:

1. Investing for dividends, not for quality.
A high dividend doesn’t always mean a good company. Sometimes the stock is crashing, and the dividend hasn’t been cut yet. A company can cut a dividend pretty quickly. Remember the Pandemic?

2. Chasing what’s popular.
If you’re buying a stock after it’s all over the news, the real money has already been made. Smart investors act before the headlines. This is what we do in Briefs Pro.

3. Investing before you’re ready.
If you have credit card debt charging 25% interest, it makes more sense to pay that off before investing for a 10% return.

4. Investing more than you can afford to lose.
If you use money you need for rent or bills to buy stocks, you’re not investing. You’re taking a big risk you can’t afford.

5. Buying high and selling low.
Most people buy when everyone else is excited and sell when everyone is scared. Buy when others panic and sell when others get greedy.

6. Thinking short-term.
The stock market rewards patience. You wouldn’t check the value of your house every hour, so don’t do that with your stocks.

7. Ignoring fees.
Even a small 1% yearly fee can take away a large part of your gains over time. Always know what you’re paying.

If you remember only one thing, make it this: the goal is not to look smart. The goal is to build wealth that lasts.

That means understanding what you’re investing in, staying calm when markets go down, and giving your money time to grow.

Question for you: What is one investing mistake you’ve made or seen someone make that taught you the biggest lesson?

Also, stay up to date on what is happening so you know when to take action by subscribing to Market Briefs for FREE! Enjoy!

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1 month ago (edited) | [YT] | 286

Minority Mindset

Want Extra Money Without Working More?

Most people stay broke not because they don’t earn enough, but because they make poor financial decisions.

Some are obvious (like swiping your credit card for extra guac🥑). Others are sneaky and silently draining your wealth.

Let’s break down the 5 biggest mistakes to avoid:

1. No Money Priorities

If you’ve got credit card debt at 20% interest, STOP worrying about stocks. Pay off debt first, then build a $2,000 emergency fund.

Crawl → walk → run.

Don’t try to sprint into investing before you can even stand.

2. Believing Your Credit Score = Wealth

An 800 credit score doesn’t mean you’re rich.

It just shows you pay bills on time.

If you use credit to buy cars, clothes, or vacations, you’re not building wealth—you’re building debt.

3. Living Fake Rich

A Fancy car means you're rich, right? Nope.

Liabilities like your car take money out of your pocket.

Real wealth comes from owning assets—stocks, businesses, rentals.

Live below your means and follow the 75/15/10 rule: spend 75%, invest 15%, save 10%.

4. Not Investing in Yourself

Your time and knowledge are your most valuable assets.

Don’t be scared to spend money on books, courses, or even outsourcing tasks that free up your time.

Cash sitting in a bank loses value every year—invest it in yourself AND in long-term assets.

5. Gambling With Investments

Stop chasing “get rich quick” schemes.

Penny stocks, meme coins, risky day trades—it’s like Vegas.

You might win once, but most people lose big.

Wealth isn’t built overnight.

It’s built over decades of steady, smart investing.

Stop trying to look rich. Start actually becoming rich.

Pay off debt, save, invest wisely, and invest in yourself. The “boring” route wins every time.

Also, stay up to date on what is happening so you know when to take action by subscribing to Market Briefs for FREE! Enjoy!

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2 months ago (edited) | [YT] | 447

Minority Mindset

How to Actually Become a Millionaire (Step by Step)

A lot of people think becoming a millionaire is only possible if you’re lucky or already rich. That’s not true.

There are really two main ways to reach one million dollars:

1. Save and invest until you get there (slow but steady).
2. Earn enough income to hit it faster (harder, but possible with the right skills or business).

Let’s break it down.

1. The Accumulation Path

You go to work, get paid, and pay bills. If you want to build wealth, you can’t spend everything you make.

Here’s how the numbers look:

● Saving $4 a day ($120 a month) without investing will take 700 years to reach $1M.

● Invest that $120 a month in the stock market (like the S&P 500, which has grown about 10% a year on average), and it takes about 44 years.

● If you increase how much you invest by 5% each year, you cut it down to 36 years.

● If you invest $500 a month, you can get there in 30 years.

● Add 5% more each year to that $500, and it drops to 25 years.

The point is simple: consistent investing makes your money grow much faster.

But to free up money to invest, don’t just skip Starbucks—cut big expenses:

● Housing – live smaller than you can afford.

● Cars – avoid $500+ car payments. Buy reliable, used vehicles.

● “DSYCA” = Dumb Stuff You Can’t Afford (Gucci, BMWs, etc., before you’re rich).

Get rich first. Then buy luxuries guilt-free.

2. The Earning Path

If you want to get to $1M faster, you’ll need more income. Here’s the math:

One million dollars a year = about $84,000 a month, or $2,800 a day.

Almost no regular job will pay that much, so you’ll need to create something yourself—a business, product, or service.

Here’s how the numbers break down depending on your profit margin:

● A product that makes you $10 profit = 280 sales a day.

● A product that makes you $100 profit = 28 sales a day.

● A product that makes you $1,000 profit = 3 sales a day.

Start with your unique skills and passions. Solve a real problem.

● Don’t chase cookie-cutter blueprints.

● Don’t wait for perfection.

● Focus on earning your first $1 → then $10 → $100 → $1,000.

The internet gives you leverage: YouTube, TikTok, Instagram, and podcasts = free customer reach.

It won’t be easy. Entrepreneurship is emotional, risky, and most businesses fail. But… the upside is unlimited.

While the stock market grows ~10% a year, your business can grow 2,000% in the early years.

Remember: Money doesn’t care about feelings. It doesn’t care what you think you deserve. It only adds up what’s in your account.

If you want to be a millionaire, you have two choices:

● Spend less and invest the difference.

● Earn more by building something valuable.

Both paths require discipline, but either one can get you there.

The real question is: would you rather build wealth slowly over time, or try to earn it faster?

Also, stay up to date on what is happening so you know when to take action by subscribing to Market Briefs for FREE! Enjoy!

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2 months ago | [YT] | 441

Minority Mindset

Want to QUIT your job and live off your investments?

If you make $80k a year at work, imagine making that SAME $80k — without showing up to work.

Sounds unreal, right?

But it’s 100% possible if you start building the right income-producing assets.

Most financial advisors will tell you to just dump your money into the S&P 500.

That’s fine for growth, but if you want to pay your bills with investment income, you need something different: cash flow.

Here are the 5 assets that can actually replace your paycheck (ranked from easiest to hardest):

1. Treasury Bonds (or Bond ETFs)

Safe, steady, and backed by the U.S. government. Right now, you could earn around 4–5% annually, paid monthly.

2. Dividend-Paying ETFs

Companies like McDonald’s pay part of their profits to shareholders. Instead of buying one stock, you can buy ETFs that spread your risk across dozens (or even hundreds) of dividend-paying companies.

Example: SCHD pays around 4%.

3. Rental Real Estate

This is where it gets real (literally). Buy a house, rent it out, collect steady monthly rent, and pocket the difference after expenses. Plus, you get some of the best tax breaks in the game.

4. Owning a Business

Here’s the ultimate wealth builder: profits go to the owners. You can start your own or buy an existing one. It’s harder, riskier, and takes work — but the upside is massive.

5. Peer-to-Peer Lending (Private Credit)

Lend your money directly to people or businesses and collect interest (sometimes 10%+). Risky if they don’t pay you back, but powerful if done right.

The truth: Replacing your paycheck with investments isn’t easy. It takes sacrifice, patience, and a lot of learning. But it’s doable — and once your money starts working for you, you’re free.

Which of these 5 assets would YOU start with first? Let me know your answer below. I’d love to hear what you think.

Also, stay up to date on what is happening so you know when to take action by subscribing to Market Briefs for FREE! Enjoy!

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2 months ago | [YT] | 473

Minority Mindset

Don't miss this: https://www.youtube.com/watch?v=YpUIr...

2 months ago | [YT] | 96

Minority Mindset

This is an important: https://www.youtube.com/watch?v=7BGA3...

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