Minority Mindset

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A new executive order signed nearly a month ago on August 7, 2025, could completely change the way Americans invest in their 401ks.

Here’s the deal:

Right now, your 401(k) is mostly limited to mutual funds and ETFs.

In other words, your money sits with Wall Street, and they charge you fees every single year, whether the market goes up or down.

This new order could open the door to six new types of investments inside 401ks:

1. Private companies and startups (invest before they hit the stock market)
2. Real estate (possibly rental properties or lending to developers)
3. Crypto (through ETFs tied to Bitcoin and other digital assets)
4. Commodities (gold, silver, and more)
5. U.S. infrastructure projects (earning interest by funding projects from the government)
6. New income or annuity options (steady payouts in retirement)

The Department of Labor and the SEC still need to decide what is allowed.

Then employers will need to choose which options to include.

Here's why this matters:

This could break Wall Street’s grip on trillions in retirement money.

- Fees could shrink, leaving more cash in your pocket.

- You might gain access to investments outside the stock market.

- Risk levels could rise, especially with startups and crypto.

- Imagine being able to buy real estate or invest in early-stage companies with your 401k.

This could be the biggest change to retirement investing in decades.

Would that be a smart move you think?

As we learn more, my team will keep you updated in real time with my free newsletter Market Briefs, which you can read for FREE here. Enjoy!

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2 days ago (edited) | [YT] | 248

Minority Mindset

What Would You Do With $100?

Most people would spend it without thinking.

A few coffees, takeout, some random Amazon stuff… and it’s gone.

Just another “where did my money go?” moment.

But here’s a thought:

What if it could grow into $200… $1,000… maybe even $10,000?

No, the point here is not to try to get rich quickly.

The point is knowing the difference between having your money work for you and just spending it.

Here are seven real ways you could put $100 to work starting today:

1. Pay Down Debt

If you’ve got credit card debt at 25% interest, paying it off early is like getting a guaranteed 25% return. No stock, crypto, or real estate deal can match that level of safety.

2. Cash
A high-yield savings account or CD might give you 4% interest right now. Not exciting, but it’s low-risk and beats leaving it in a regular account, earning almost nothing.

3. Retirement Account
A 401(k) or IRA can grow your money tax-advantaged—and if your job offers a match, that’s free money. Roth means taxes now, tax-free later. Traditional means taxes later. Just know you’re playing the long game here.

4. Build a Stock Portfolio

Passive investing: Put money into ETFs or index funds, and forget about it.
Active investing: Pick stocks yourself—but do your homework.

Over the decades, the market has gone up despite crashes. Consistency wins here.

5. Get into Passive Real Estate

There are many options that allow you to invest in real estate without being a landlord. Same potential for returns—without the 2 AM plumbing calls.

6. Speculative Assets

Big upside, but just as big a downside.

Keep this as a small slice (no more than 10–20%) of your portfolio.

Exciting? Yes.

Predictable? Absolutely not.

7. Start a Business

That $100 could buy supplies, a domain name, or gear for a side hustle.

Businesses can be your highest-return investment—if you’re willing to fail, learn, and try again.

Which path matches your goals, your patience, and the risks you’re willing to take?

Let us know your answer below. I’m curious!

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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5 days ago (edited) | [YT] | 268

Minority Mindset

The step-by-step system: https://www.youtube.com/watch?v=Qgt3Z...

1 week ago | [YT] | 122

Minority Mindset

Don't wait on this: https://www.youtube.com/watch?v=TW24e...

1 week ago | [YT] | 99

Minority Mindset

Ever want to buy a house, but not have the mortgage?

There is a way to do this - legally.

Yes, you could pay all cash, that is one option.

Another option is called house hacking, and it’s one of the easiest ways to start building wealth — even if you’re just starting out.

Here’s the idea: Most people think “home” means a single-family house.

But the primary residence rule says you can use a normal home loan (lower rates, smaller down payment) to buy a duplex, triplex, or 4-plex.

You live in one unit, and rent out the others.

Let’s break down an example:

- Buy a 4-unit building for $1M
- Put down $200K, monthly mortgage is $5K
- Live in 1 unit, rent the other 3 for $1,500 each = $4,500/month

Now your cost to live there? Just $500/month — AND you’re building ownership in the building.

Here’s the really fun part: Most loans say you have to live there for 1 year + 1 day.

After that, you can move out, rent all the units, and do it again with a new property.

Each year, you could add another building to your list — and your tenants help pay for them.

You don’t need to start with something huge.

Even a small house can become a rental after a year.

The start is the slowest part.

Is this a strategy you think you would try?

Let me know in the comments BELOW!

Also, stay up to date with what is happening with asset classes like real estate by subscribing to Market Briefs for FREE!

Enjoy!

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1 week ago (edited) | [YT] | 295

Minority Mindset

Gold is taking off in 2025… but not for the reasons you might think.

For years, gold was thought of as “emergency money,” something you hold when the economy is in trouble.

Stocks were always seen as the better way to build wealth.

But this year, gold is surprising everyone.

Historically, stocks beat gold by a lot.

In 2025, Gold is actually growing faster than the stock market.

So what changed?

Here’s what’s pushing gold up:

- Central banks (the main banks for countries) have been buying more gold than ever since the pandemic.
- U.S. debt is very high, and people worry the government will pay it back by printing weaker dollars.
- Confidence in the U.S. dollar is starting to fade.
- BlackRock, the world’s biggest investment company, now calls gold a real investment instead of just a backup.

This is unusual because normally, high interest rates and a strong dollar push gold prices down.

However, gold is still climbing, which indicates how significantly the situation has changed.

Important: Gold doesn’t always rise forever. After the 2008 crash, gold jumped, then dropped for almost 10 years.

There are 3 common ways people invest in gold:

- Buy physical gold (coins or bars — but you need a safe place to store it).
- Buy gold ETFs (these are investments you can buy in the stock market that follow gold prices).
- Buy gold mining stocks (companies that dig gold out of the ground).

The big question though, is gold finally moving from being just a “safety net” to being a real long-term investment?

Or is this just another bubble that will eventually pop?

We discuss updates on gold and why it is moving all the time in Market Briefs in even more detail, which you could subscribe to for FREE! Enjoy!

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Minority Mindset

Big 401k changes ahead: https://www.youtube.com/watch?v=5WzlS...

2 weeks ago | [YT] | 119

Minority Mindset

Think You're Bad with Money? It's Not Your Fault — But It Is Your Responsibility.

Money isn’t magic. It’s a skill.

If you learn the game, you can win.

If you don’t, you stay stuck.

Here’s a 7-step game plan to stop stressing about money and start building wealth:

Step 1: Fix Your Mindset

Having a bad mindset towards money holds you back. Money isn’t evil — it’s a tool for freedom.

Change the way you think about money, and it will grow.

Step 2: Learn the Game

Everyone spends money. But investors are the ones who build wealth.

Rule 1: Money flows to investors — When you buy, they earn. Own shares, and you get a cut too.
Rule 2: Inflation helps investors — Prices rise, and businesses profit. If you invest, so do you.
Rule 3: The tax code favors investors — Investors often pay less tax than workers. Own assets, not just a job.

Step 3: Get Out of the Danger Zone

Save $2,000 for Emergencies - No excuses. No spending it.

Pay Off High-Interest Credit Cards - Those 20% interest rates are making banks rich and keeping you broke.

Cut Back on things you do not have to spend money on. You do not have to do this forever, it’s just for now to free up money and time so you can move forward faster.

Step 4: Build a Money System

Most people earn, spend, and maybe save what’s left. That’s backwards.

Instead, consider setting up a system:

1. Three Bank Accounts – One for spending, one for saving, and one for investing.
2. Automate Your Paycheck – Set up direct deposit so your money is automatically split between your accounts. This stops you from accidentally overspending.
3. Follow the 75/15/10 Rule
- Spend no more than 75% of what you earn
- Invest at least 15%
- Save at least 10%

Step 5: Spend Smarter

Save 3–12 months of expenses - So you never panic when life happens.

Always be investing! Even $10/week matters. Your money should work while you sleep.

Don’t finance stuff that doesn’t pay you - No loans for couches, phones, or fancy cars. Only exceptions? A house.

Step 6: Make More Money

Most people spend more as they earn more. Instead, keep your spending steady and invest the extra income.

How to earn more:
1. Get a side hustle
2. Upgrade your skills
3. Switch jobs
4. Start something small on the side

Step 7: Protect What You Build
Lawyers for your house, your will, your business.
Insurance for your home, health, and family.
Accountants so you can save your money at tax time.

Open a savings account:
- Set up auto-investing
- Pay off one debt
- Cancel one thing you don’t need

If you need help staying up to date with everything happening so you know when to take action, you can subscribe to Market Briefs for FREE! Enjoy!
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2 weeks ago (edited) | [YT] | 393

Minority Mindset

The old way of becoming successful doesn’t work like it used to.

People were told to go to school, get a degree, get a good job, work hard, save money, and then retire.

But now, even people with degrees are still struggling with money.

Just having a job can be risky, your pay might not grow much, and you pay a lot in taxes.

If you want to be wealthy, you need more than just school smarts — you need to learn how money really works.

Don’t be fooled though - just having a high-income does not mean you will be wealthy.

In fact, a large percentage of high-income earners do not feel they need to invest, which hurts them in the long run.

And yes, saving money is better than spending it all, but it’s still not enough.

If you just saved money all the time - well prices keep going up faster than the interest you earn in your bank.

So, your money loses value over time.

To really grow your wealth, we need to consider buying assets.

Things like stocks, real estate, or businesses — things that make you more money over time.

This is how wealthy people build their wealth.

You don’t need to start a company — you can invest in one.

The key is learning how to make your money work for you, not just working for money.

Stay up to date so you know when to take action by subscribing to Market Briefs for FREE! Enjoy!

Enjoy: briefs.co/market/?utm_campaign=jaspreetYoutube&utm…

2 weeks ago (edited) | [YT] | 536

Minority Mindset

The step-by-step plan:https://youtu.be/LqzOEpdQeMY

3 weeks ago | [YT] | 145