Raoul Pal, Jaspreet Singh Humphrey Yang: Retirement Crisis Is Coming & They’re Lying About Renti

Mon, 15 Sep 2025 09:12:42 +0000

Are we falling for the biggest money traps of our generation? And what are the money habits that actually build millions? Raoul Pal, Jaspreet Singh, and Humphrey Yang reveal the truth about renting vs buying, escaping credit card debt, mastering passive income, and investing with $0!

This personal finance roundtable brings 3 leading finance experts to discuss building wealth and planning for your financial future. Jaspreet Singh is an entrepreneur and founder of Minority Mindset, Raoul Pal is a former hedge fund manager and CEO of Real Vision, and Humphrey Yang is a personal finance creator and former financial advisor at Merrill Lynch.

They discuss:
◼️Why saving money won’t make you rich, and what to do instead
◼️The single best skill to escape being broke in 2025
◼️ Why renting is smarter than buying (even if you can afford to buy)
◼️ The tiny money habit that quietly builds millions over time
◼️ Why most people under 45 won’t get a pension (and what to do instead)
◼️The truth about crypto, AI and why the financial system doesn’t want you prepared

00:00 Intro
00:02:10 How Do I Make More Money?
00:04:59 Pointless Jobs That Actually Made You the Most Money
00:06:39 How to Visualize Your Finances
00:07:30 Social Pressure Around Money
00:09:23 The Simple Money Tracking Hack
00:13:18 Best Form of Investing: Active or Passive?
00:18:20 More People Joining Crypto
00:20:54 Bitcoin Is Too Speculative
00:28:17 Stocks vs Crypto
00:33:47 How Would You Invest $1,000?
00:41:59 The S&P 500 vs the Nasdaq-100
00:44:00 Dollar Cost Averaging Explained
00:46:58 Removing Emotion from Financial Decisions
00:47:55 Should We Be Putting Everything into Crypto?
00:49:22 If Crypto Isn’t the Future, What Takes Its Place?
00:54:12 Ad Break
00:56:10 What to Do When You're in Debt
00:59:29 Bankruptcy: When Should Someone Consider It?
01:02:00 Alternatives to Filing for Bankruptcy
01:03:41 The Myth of Passive Income
01:05:37 How Profitable Are Property Investments?
01:10:21 Should You Buy Rental Properties for Passive Income?
01:11:08 Why More People Are Renting in the U.S.
01:13:19 Is Property a Good Way to Build Wealth?
01:19:16 Is There Such a Thing as Good Debt?
01:20:16 Leveraging Your Current Assets
01:25:47 Pensions and 401(k) Retirement Plans
01:39:35 Ad Break
01:41:23 Framework for Making Money More Easily
01:47:39 Why Keeping Money in the Bank Makes You Poorer
01:51:45 What Do Rich People Know That Most Don’t?
01:54:27 How Relationships Impact Financial Success
01:59:30 Do Geographics Matter When Making Money?
02:02:16 Is the UK a Good Place to Build Wealth?
02:05:35 Closing Statements

Follow Jaspreet:
X: http://bit.ly/3HSFdO3
‘Market Briefs’ newsletter:: http://bit.ly/4mWeqzr
YouTube: http://bit.ly/46hbTbU

Follow Raoul:
X: http://bit.ly/466Fe8Q
Website here: http://bit.ly/4m6Rexb
You can download Raoul Pal’s 5-Year Roadmap for free here: http://bit.ly/3JQok7g
You can purchase ‘The Everything Code’, here: https://amzn.to/48cJ2bk

Follow Humphrey:
Youtube: http://bit.ly/3KgmkoJ
Instagram: http://bit.ly/4gs6kMI
Website ⁠Humphreysguide.com

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