The Mind Money Spectrum Podcast

Nov 19 2024 143 ep. 57 mins 15
The Mind Money Spectrum Podcast artwork

Welcome to The Mind Money Spectrum Podcast where your hosts Aaron Agte and Trishul Patel go beyond traditional finance questions to help you explore how to use your money to achieve the freedom you want in life. Aaron is a Financial Planner from the Bay Area, and Trishul is a Wealth Manager on the East Coast. For more information about Aaron, check out GraystoneAdvisor.com. And for more information on Trishul check out InvestingForever.com. We thank you all for listening, and stay tuned for our latest episode on our website, MindMoneySpectrum.com.

Graystone Advisor, LLC is a registered investment adviser offering advisory services in the State of California and in other jurisdictions where exempt from registration.

Investing Forever LLC (d/b/a, Investing Forever Advisory) is a registered investment adviser offering advisory services in the State of Florida and in other jurisdictions where exempted.

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#143. FIRE with Kids? Here's How to Make It Work!

Nov 19 2024 53 mins  
Parents teach hard worth through their actions, not their employment.Trishul has achieved FIRE and is a parent. Aaron describes clients who have achieved financial independence, but still have kids at home for another decade. You teach kids the value of hard work, not through your employment, but through the same activities that make your life fulfilling—whether you're financiall

#142. Wages will never increase again. Here's why.

Oct 15 2024 63 mins  
Despite a generation of no real wage growth, how could wages increase?Trishul examines why wages have stayed flat on a REAL inflation-adjusted basis over the last couple of generations. Globalization, tax law, and legislation favoring corporations have combined to increase wealth inequality and suppress wage growth. And Trishul sees no reason for it to change moving forward. Aaron

#141. The Unrealized Gains Loophole

Sep 17 2024 83 mins  
Addressing criticisms of Kamala Harris's Unrealized Gain tax plan.The ultra-wealthy pay a lower tax rate than wage earners, meaning the US has a regressive tax system rather than the intended progressive tax system. Kamala Harris's tax plan would address wealth inequality by taxing unrealized gains. A Forbes article provides numerous critiques, and Trishul and Aaron try to address

#140. Buying a home is not an investment, it's location, location, location

Aug 20 2024 74 mins  
Rent or buy? How much as a down payment?Most Americans have most of their net worth in their home equity. In this episode, Aaron and Trishul discuss the pros and cons of making a down payment and buying a home. Is it worth making a larger down payment to lower the monthly mortgage? Is it dependent on the growth assumptions of various asset classes or the behavior and discipline of

#139. Rent-Seeking Exposed: Hidden Costs of Modern Life

Jul 16 2024 69 mins  
How U.S. government incentives create rent-seeking.In economics, rent-seeking is extracting wealth without adding value. Trishul provides data and examples of how rent-seeking has made lives harder. Home prices, healthcare, and education have all increased more than incomes, and rent-seeking is partially to blame. They look at how the U.S. government has incentivized individuals at

#138. Financial Planner tells a story of why Fee-Only matters

Jun 11 2024 62 mins  
How snowboarding in Park City influenced the genesis of Graystone AdvisorIn this episode, Aaron shares his story of attending due diligence conferences to learn about non-traded REITs. While it was nice to be wined and dined, he started to see where the client's money went and how understanding fees is important. There will always be conflicts of interest, but if you are open and t

#137. You can't pay someone for free money.

May 14 2024 66 mins  
The red flags of TikTok financial videos.In this episode, Trishul and Aaron discuss the problem of trying to pare down financial advice to soundbites. TikTok financial videos can contain red flags ranging from likely inappropriate to downright wrong. Anytime we hear passive investing, real estate, crypto, or "Don't invest in your 401k", we immediately assume the video has some ulte

#136. David Shapiro: How can we prepare for the Fourth Industrial Revolution?

Apr 17 2024 85 mins  
Bring on 80% unemployment!In this episode, David Shapiro joins Trishul and Aaron to discuss AI and the Fourth Industrial Revolution. Where are we now with technology and society, and where are we going? What is the future of AI at the individual, corporate, and state levels? How does AI affect different jobs? How does AI interact with capitalism in America? If 80% of society is une

#135. Aaron and Trishul discover the meaning of life.

Mar 19 2024 64 mins  
If a Tesla robot can fold your laundry (and do all the other chores), how do you spend your time? What do you take pride in?In a world where robots handle our chores, what becomes of human time? How should we guide children into adulthood? Aaron and Trishul explore these questions, delving into Maslow's Hierarchy of Needs. They contrast the past, where activities fulfilled both bas

#134. Stuff. Lots and lots of cheap stuff.

Feb 13 2024 66 mins  
Stuff is cheap. You should spend more on experiences.In this episode, Trishul and Aaron dive into the world of "stuff." They reflect on their spending patterns and attitudes towards material goods versus life-enriching experiences. As the affordability of items increases, they explore strategies to avoid overconsumption, considering not only the physical space it occupies but also