The Traditional Path Doesn’t Guarantee Financial Security Anymore

Many people still believe that higher education equals financial success. But a growing number of professionals with master’s degrees, PhDs, and doctorates are living paycheck to paycheck. Meanwhile, 8-year-olds are making millions on YouTube. The game has changed, and so must our approach to money.

The Trap of Relying Only on Your Salary

If your only source of income is a W2 salary, you’re one layoff, illness, or company restructuring away from financial instability. Salaries are capped. You can’t scale your time. And worst of all, you pay the highest tax rates. Investors, on the other hand, get access to lower tax brackets and smarter deductions.

Even High Earners Aren’t Safe

Surgeons, lawyers, and engineers often have impressive paychecks—but little time or experience to learn how to manage or grow their money. Many are afraid to take investment risks, sticking to the “safe” paths they were taught. But those paths rarely lead to wealth, and pride in degrees or titles won’t pay the bills later.

The Real Secret to Wealth: Ownership

If you want to build real wealth in America, you need to own assets—stocks, businesses, real estate. Financial education teaches you how to convert your labor income into capital income. That’s the bridge from working for money to letting your money work for you.

Lifestyle Creep Is Killing Your Net Worth

Many high earners think more income means more freedom. But what happens? Bigger houses, luxury cars, expensive vacations. A doctor couple earning $350,000 can still be broke if they spend it all. Even with a raise to $400,000, poor habits and lack of discipline leave them asset-rich but cash-poor—or worse, deep in debt.

Why Saving Alone Isn’t Enough

You might think you’re doing the smart thing by saving. But traditional savings accounts average 0.6% interest—while inflation runs at 2.4% or higher. You’re literally losing money by playing it safe. Even high-yield savings accounts can’t compete with long-term inflation. Investing is the only way to beat the system.

Move from Labor Income to Capital Income

In a capitalist system, capital ownership wins. The wealthy aren’t rich because they worked more hours. They’re rich because they own income-producing assets. Warren Buffett didn’t get rich clocking in 9 to 5—he got rich owning companies. If you’re a professional with a steady salary, the next step is to use that income to start investing.

My Story: From Courtroom to Capital

I grew up in a traditional Indian household. My parents drilled it into me: become a doctor, lawyer, or engineer. So I became an attorney. But after learning how the economic system really works, I turned my focus to financial education. That pivot changed everything—and now I help others escape the paycheck-to-paycheck trap.

Resources to Help You Start Investing

You don’t need to do it alone. My free daily newsletter, Market Briefs, breaks down the economy, stocks, crypto, and real estate into easy-to-read insights. You’ll also get access to my free investing master class, where I teach the fundamentals of building wealth from scratch.

If you’re ready to stop working for money and start making your money work for you, now’s the time to start learning.

Jaspreet Singh is not a licensed financial advisor. He is a licensed attorney, but he is not providing you with legal advice in this article. This article, the topics discussed, and ideas presented are Jaspreet’s opinions and presented for entertainment purposes only. The information presented should not be construed as financial or legal advice. Always do your own due diligence.

The post Why Financial Education Beats the Traditional Career Path in Today’s Economy appeared first on ROI TV.

What’s Keeping Mortgage Rates So High?

Mortgage rates today are elevated, hovering well above the 5% mark we got used to a few years ago. The two biggest factors keeping them up? Time and recession.

Let’s start with inflation. Inflation has cooled from its recent peak, but it’s still higher than the Federal Reserve’s goal of 2%. Until we get closer to that target, the Fed is keeping interest rates higher for longer. That’s directly impacting mortgage rates, since they tend to move in sync with the Fed’s policies and inflation outlook.

Then there’s tariffs. If new or increased tariffs kick in—especially around the key date of July 8—they could add to inflation pressures by making imported goods more expensive. That, in turn, gives the Fed more reason to keep rates high to fight inflation.

And finally, who’s in charge matters. Jerome Powell, Chair of the Federal Reserve, has kept a firm stance on managing inflation, but his term ends in May 2026. If his replacement favors rate cuts, we could see a shift sooner—especially if economic data justifies it.

What Exactly Does the Federal Reserve Do?

Let’s clear up a common misconception. The Federal Reserve isn’t a typical government agency or bank. It doesn’t have vaults of cash or take deposits. Its main job? Managing interest rates and controlling the money supply.

It does this by influencing the federal funds rate, which is the rate banks charge each other to borrow money overnight. This trickles down into the retail interest rates we all care about—mortgages, auto loans, credit cards, and more.

Historically, the Fed slashes rates during recessions. We saw this in 2001 after the dot-com bust, in 2008 during the financial crisis, and in 2020 during the COVID-19 crash. Each time, lower rates encouraged people to borrow and spend, giving the economy a much-needed jolt.

Will a Recession Help Lower Rates?

Yes—eventually. Recessions almost always lead the Fed to cut rates, and that’s when we tend to see mortgage rates fall. The U.S. has had 16 recessions in the last 100 years—an average of more than one per decade. While we can’t predict exactly when the next one will hit, it’s a safe bet that it will happen. And when it does, expect mortgage rates to follow suit—though don’t expect them to fall to zero, even if the Fed funds rate does.

What’s the Fed Watching Right Now?

The Fed watches a lot of things, but the big three are:

1. Inflation – Still too high.
2. Jobs – Despite public frustration, unemployment is statistically low.
3. Tariffs and global trade – Could worsen inflation.

So right now, the Fed sees a relatively strong job market and sticky inflation, which means it’s not in a rush to cut rates. But that could change quickly if economic conditions shift.

What Should You Do in the Meantime?

Here’s the truth: the system isn’t built to benefit the financially uneducated. Institutions profit when people rack up debt, especially during low-rate periods. But you don’t have to play that game.

Instead:

• Buy a home you can afford now, not one you hope to refinance later.
• Don’t assume a rate drop is around the corner—plan for today, not someday.
• Treat your home as a liability, not an investment, and avoid over-leveraging your future.

Want to Stay Smart About Your Money?

If you want to keep your finger on the pulse of the economy, Market Briefs is a free daily newsletter that breaks down the housing market, stocks, crypto, and more in easy-to-read, no-fluff emails. You’ll also get access to a free investing masterclass and insights to help you find opportunities in any market—bull, bear, or stuck-in-the-middle.

Mortgage rates will go down eventually—but whether that happens in six months or three years depends on forces most of us can’t control. What you can control is your financial literacy, your debt, and the decisions you make today.

Jaspreet Singh is not a licensed financial advisor. He is a licensed attorney, but he is not providing you with legal advice in this article. This article, the topics discussed, and ideas presented are Jaspreet’s opinions and presented for entertainment purposes only. The information presented should not be construed as financial or legal advice. Always do your own due diligence.

The post Will Mortgage Rates Ever Drop Again? Here’s What You Need to Know appeared first on ROI TV.

According to reports from Yahoo Finance, CNBC, and Northwestern Mutual, more people than ever feel like they’re falling behind—even though the data says otherwise. The truth is, there’s a growing gap between what looks good on paper and what people actually experience at the gas station, grocery store, or when trying to buy a home.

Let’s break down why this disconnect exists and what you can do about it.

Inflation vs. Income: The Real Story

Between 2020 and 2025, inflation went up 24.2%. Median household income? Just 22%. That gap may not sound like much, but it compounds every time you fill your tank or pay rent.

Over the last 50 years, the price of the average car jumped 840%. A median house? Up 1200%. Public college tuition? A staggering 2000%. But median income only increased by 600%.

Meanwhile, the S&P 500 grew by over 4000%.

If you’re relying only on income, you’re running a race where the finish line keeps moving. But if you’re investing, you’re not just keeping up—you’re getting ahead.

Why the System Favors Investors Over Workers

The U.S. economic system is built to reward capital, not labor. CEOs have a fiduciary duty to increase shareholder value, not employee wages. That means the person investing in a company—whether through stocks or real estate—is likely to get richer than the person clocking in every day.

Even the tax code is tilted. Top earners with W2 income pay up to 37%. Investors? Often just 20%. Add in depreciation, 1031 exchanges, and other real estate tax breaks, and the advantage becomes obvious.

And then there’s inflation. It acts like a hidden tax, quietly reducing your spending power—but also boosting the value of hard assets like property and stocks.

So what do you do in a system like this?

Rule 1: Work to Own, Not Just to Earn

If your only financial strategy is earning a paycheck, you’re playing defense in a game designed for offense. You need to own things—stocks, real estate, or a business.

It’s not about becoming the next Elon Musk. It’s about slowly accumulating assets that work while you sleep.

Rule 2: Don’t Live “Fake Rich”

Financing liabilities—cars, vacations, designer goods—may look like wealth, but it’s not. Follow the “rule of five”: if you can’t buy five of something in cash, you probably can’t afford one.

Save up. Then buy. That’s how real wealth is built—not through monthly payments, but by keeping your money and letting it grow.

Rule 3: Risk is the Price of Wealth

Most people avoid risk because they fear loss. But losses are part of learning. Every investor takes hits—what separates the successful ones is how they respond.

Start small, stay consistent, and use each mistake as tuition on your journey to financial independence.

A Simple Wealth Plan: 75/15/10

Want a framework to build on? Use the 75/15/10 plan:

• Spend 75% of your income.
• Invest 15%.
• Save 10%.

Treat saving and investing like mandatory bills. Automate transfers to separate accounts, and don’t touch them unless it’s a real emergency or investment opportunity.

Over time, those investments will begin to generate passive income. That’s when you shift from working for your money to having your money work for you.

The Government’s Role—and Why It Matters

In 2024, the U.S. borrowed $1.8 trillion. When that happens, the Fed often prints more money, diluting the value of the dollar. Who loses? Employees. Who wins? Investors holding assets like stocks and real estate.

It’s not a conspiracy. It’s just the way the system is structured. But understanding it gives you power. If you know the game, you can start playing it.

The Bottom Line

Most people aren’t poor because they’re lazy. They’re poor because no one taught them how money really works. The system doesn’t reward effort—it rewards ownership, patience, and discipline.

Financial education isn’t just useful—it’s survival. Start with one investment. One habit. One asset. And commit to never working just for a paycheck again.

Your future self will thank you.

Jaspreet Singh is not a licensed financial advisor. He is a licensed attorney, but he is not providing you with legal advice in this article. This article, the topics discussed, and ideas presented are Jaspreet’s opinions and presented for entertainment purposes only. The information presented should not be construed as financial or legal advice. Always do your own due diligence.

The post Why the System Feels Rigged And How to Win Anyway appeared first on ROI TV.

Let me break down exactly what’s happening with oil prices, why it matters to your wallet, and how you can position yourself financially in a world where global tension is now part of your budget.

1. OPEC’s Oil War Is No Accident

Countries like Saudi Arabia and Russia aren’t just producing more oil for fun. They’ve got a goal: force U.S. shale companies out of business. How? By flooding the market with oil, driving prices down below break-even points for American producers—usually around $65 to $70 a barrel.

When prices fell under $60, U.S. shale firms started bleeding. Layoffs hit. Rigs shut down. That’s not just a supply shift—it’s economic warfare. And it affects everything from job markets to your investment portfolio.

2. Middle East Conflict Sends Prices Soaring

Then came the latest round of instability in the Middle East. After fresh attacks in Iran, oil shot up past $70 per barrel overnight. Fear of supply disruption is like lighter fluid in the oil market—just a whiff of war, and prices explode.

Big financial institutions like JP Morgan and Reuters are already warning: if this conflict deepens, we could see oil hit $100 or even $120 a barrel. That’s not just speculation—it’s market psychology reacting to real risk.

3. What It Means for You and Your Wallet

When oil prices spike, it doesn’t stop at the pump.

Higher oil means higher costs across the board:

• Gasoline
• Groceries
• Airline tickets
• Shipping
• Travel
• Even your Amazon Prime delivery

Oil is the bloodstream of global commerce. If it thickens, everything slows and gets more expensive. We had a brief break with lower gas prices earlier this year, but those savings may vanish fast.

On the flip side, U.S. shale companies are smiling again. That same $70 barrel that hurt them last year? Now it’s back—and it means profitability. Expect a rebound in U.S. energy stocks if prices stay high.

4. Passive vs. Active Investing in Uncertain Times

If you’re a passive investor, you’re probably just dollar-cost averaging into the S&P 500. That’s great long-term. But during volatile times like these, active investors see opportunity.

This is where you shift from consumer to strategist. Wars and geopolitical tensions create winners and losers. Oil companies, defense stocks, and logistics firms often benefit. But spotting them requires homework.

You’ve got to understand:

• How energy markets move
• Which industries are exposed to rising oil costs
• Where capital is flowing (hint: it’s not crypto this month)

This is where financial education turns into financial power.

5. Tools to Stay Informed

If all this sounds like too much to track, don’t worry. I built tools to help.

• Market Briefs: Our free daily newsletter breaks down the biggest financial headlines—in plain English.
• Briefs Pro: For serious investors, this weekly resource gives you curated research on sectors most impacted by macro trends like war, inflation, and energy shocks.

Financial literacy isn’t just about knowing how to budget anymore. It’s about understanding the domino effect of global headlines—and knowing how to play your hand when the game changes.

Whether oil hits $100 or tensions cool off next week, one thing’s clear: the ripple effect from global conflict lands squarely in your wallet. Be informed. Be strategic. And remember—money doesn’t sleep, especially during times like these.

Jaspreet Singh is not a licensed financial advisor. He is a licensed attorney, but he is not providing you with legal advice in this article. This article, the topics discussed, and ideas presented are Jaspreet’s opinions and presented for entertainment purposes only. The information presented should not be construed as financial or legal advice. Always do your own due diligence.

The post How the Middle East Conflict Is Driving Oil Prices and Reshaping Global Markets appeared first on ROI TV.

Inflation: Slower But Still Creeping Up

Inflation this year sits at 2.4%, lower than many economists predicted. That’s good news—kind of. It means prices are still rising, just not as fast. But over the past five years, inflation has outpaced wage growth, with prices up 23–24% while average salaries only rose 20%.

Certain costs are still climbing quickly:

• Auto insurance
• Housing
• Restaurant dining
• Household energy

Meanwhile, prices for gas, airfare, and electronics have cooled off, even dipping in some areas.

What does this mean for investors? Inflation eats into your purchasing power, so you need investments that grow faster than the rate of inflation. That’s where smart allocation becomes essential.

Tariffs: A Political Lever That Moves Markets

President Trump announced that a new tariff deal with China is “done,” but markets remain cautious. Treasury Secretary Scott Bant suggested a pause in tariffs, depending on progress.

Why does this matter?

• In 2025 alone, tariff talks have already triggered three market crashes.
• New tariff data due on July 8th could send ripples—or shockwaves—through the markets again.

Investors should keep an eye on these developments. Tariffs can hurt corporate earnings, disrupt supply chains, and drive short-term volatility. But with volatility comes opportunity.

Strong Job Market? Not Everyone Feels It

The unemployment rate is officially 4.2%, which looks healthy. But the numbers hide a deeper reality:

• Many workers are underemployed or juggling multiple jobs.
• Meanwhile, credit card debt is setting new records every month.

This reflects an economy driven by debt-fueled consumer spending. While it keeps the economy humming, it’s a red flag for long-term financial health.

As an investor, it’s important to note:
High consumer debt = riskier economy. But also:
High spending = short-term profits for companies you may want to invest in.

Crash? What Crash? Time in the Market Wins

If you had invested at the market’s peak before:

• The COVID crash in 2020
• The 2008 housing crisis
• Or the 2000 dot-com bubble

…and held on, you’d still have come out ahead. History shows that staying invested—even through the worst moments—yields positive results over time.

That’s why “time in the market” beats timing the market. Even Warren Buffett plays this game. The trick is consistency and not flinching when things look bad.

Investment Strategies: Passive vs. Active

Passive Investing:

• Invest in broad ETFs like the S&P 500.
• Stick to a dollar-cost averaging strategy—invest the same amount regularly.
• Buy more when the market drops.

Active Investing:

• Watch for shifts in policy or emerging trends (like space tech, AI, or green energy).
• Look for undervalued sectors that could surge with the right tailwind.

Whether you go passive or active, you need to understand your goals. Are you looking for growth, income, or protection? Let that shape your strategy.

Your Mindset Matters More Than You Think

Markets don’t just test your portfolio—they test your patience. The biggest mistakes investors make happen when they react emotionally. Here’s how to stay level-headed:

• View volatility as opportunity, not danger.
• Educate yourself so you invest with confidence.
• Ignore the noise and stick to your strategy.

Even Wall Street analysts don’t always get it right. But what they do well is follow the money. If you learn to do the same—by tracking sectors, company earnings, and macro trends—you’ll invest with more clarity.

Bottom Line: The 2025 Market Isn’t Easy—But It’s Full of Opportunity

Inflation, tariffs, and high debt levels are real concerns. But history tells us that consistent, educated investing wins the long game. Stay informed, think long-term, and don’t let the headlines make your decisions for you.

Markets will rise and fall—but your plan shouldn’t.

Jaspreet Singh is not a licensed financial advisor. He is a licensed attorney, but he is not providing you with legal advice in this article. This article, the topics discussed, and ideas presented are Jaspreet’s opinions and presented for entertainment purposes only. The information presented should not be construed as financial or legal advice. Always do your own due diligence

The post How to Invest Smart in 2025: Inflation, Tariffs, and the Psychology of Growth appeared first on ROI TV.

1. Switch to Bi-Weekly Mortgage Payments
If you’re paying your mortgage monthly, you might be missing out on one of the simplest hacks for long-term savings. I switched to bi-weekly payments—half a monthly payment every two weeks—and now I make 26 payments a year instead of 12. That extra “13th month” payment each year chips away at the principal faster. On a $500,000 mortgage with a 7% interest rate, this can save over $170,000 in interest and shave years off the loan.

2. Automate Everything: The 75-15-10 Rule
I split my income into three separate accounts: 75% for spending, 15% for investments, and 10% for savings. I set up automatic transfers as soon as income hits my account. This structure keeps my finances on track without needing willpower or mental math. Automating this system has eliminated budgeting stress and made investing a habit, not a chore.

3. Invest in Financial Education—Every Paycheck
I made it a rule: every paycheck, I buy one book, course, or resource to deepen my financial knowledge. Over time, I’ve read 25 books in five key categories—money, business, leadership, sales, and personal development—plus five biographies of successful people. It’s the equivalent of an MBA at a fraction of the cost. That education has transformed how I think about money, risk, and wealth.

4. Don’t Spend Raises—Invest Them
Most people fall into lifestyle inflation when they get a raise. Not me. Every bonus or raise I get goes straight into investments—at least at first. Once I’ve adjusted for long-term growth, I apply the 75-15-10 rule to future increases. That one discipline has helped me grow my portfolio faster and kept me from falling into the trap of spending just because I earn more.

5. Use Credit Cards—But Only Strategically
I’m not anti-credit card—I just believe they should be used carefully. I only swipe for things I already plan to buy and pay the balance off in full every month. The cashback or travel rewards I earn go directly into my investment account. But I stay away from cards entirely if I’m ever tempted to spend more than I should. Responsible use is key to making credit cards work for you, not against you.

6. Define Clear Financial Goals
I don’t save or invest just to “have more money”—I tie every dollar to a purpose. I have specific savings targets (3–12 months of expenses), investing goals (cash flow vs. appreciation), and even calculated how much I need in assets to fund my ideal lifestyle. This clarity helps me stay focused and make smarter financial decisions every day.

7. Learn Market Trends and How to Invest Accordingly
There’s passive investing, like buying index funds. And then there’s active investing, where you learn to spot trends. I look at five key areas: Main Street (consumer behavior), Wall Street (investor behavior), Government (policy changes), Innovation (new tech), and Broad Market conditions (like interest rate shifts). Services like Briefs Pro help me stay on top of these insights, but even basic research goes a long way. You don’t need to trade stocks daily—just understanding where the world is headed can guide better investment choices.

8. Financial Education Is the Real Escape Plan
The system isn’t designed for people like me to win by default. Institutions profit from keeping people financially uneducated—through interest payments, hidden fees, and impulsive spending habits. That’s why learning how money works is the first and most important step to financial freedom. Once I understood the rules, I started playing a different game—and winning.

If you’ve ever felt stuck or overwhelmed by money, try just one of these strategies to start. They may seem simple, but the impact they’ve had on my financial life has been anything but small.

Jaspreet Singh is not a licensed financial advisor. He is a licensed attorney, but he is not providing you with legal advice in this article. This article, the topics discussed, and ideas presented are Jaspreet’s opinions and presented for entertainment purposes only. The information presented should not be construed as financial or legal advice. Always do your own due diligence.

The post 8 Wealth-Building Strategies That Changed How I Manage My Money appeared first on ROI TV.

The Oil War: OPEC vs. U.S. Shale
At the center of this is a clash between OPEC and U.S. shale producers. OPEC, led by countries like Saudi Arabia and Russia, still controls about 40% of the world’s oil supply. For the last decade, U.S. shale producers have been gaining ground, thanks to fracking. OPEC doesn’t like that. So in May 2025, they ramped up production to flood the market and push oil prices down to around $60 per barrel. For context, U.S. shale producers typically need prices between $65 and $70 just to break even. That means layoffs, rig shutdowns, and slashed investment—all by design. Think of it like Uber undercutting taxi prices in the early days to take over the market. OPEC wants dominance, and this is how they’re going after it.

Why Oil Still Equals Power
Oil isn’t just about energy—it’s about power. When countries can control oil prices, they control inflation, interest rates, and even geopolitical leverage. Look at what Russia did by cutting off Europe’s energy supply. It wasn’t just a political statement—it was economic warfare. But here’s the twist: this war is expensive for OPEC too. Saudi Arabia needs oil to hit $90 a barrel to balance its budget. Russia needs $77. So they’re losing money with every barrel they pump. It’s not a sustainable battle for anyone—but it’s one with global consequences.

The Risk for Shale and the Global Market
U.S. shale oil is expensive to produce, and private companies can’t afford to run at a loss indefinitely. So with prices staying below break-even, we’re seeing the lowest number of rigs since 2021. Meanwhile, OPEC, backed by national governments, can stomach losses longer. But here’s the risk: global demand for oil is also slowing, thanks to economic uncertainty and trade disputes. If demand keeps dropping while supply stays high, this whole strategy could backfire for OPEC, too. We’re looking at a market where both sides are bleeding—and neither wants to blink first.

What Smart Investors Should Watch
For investors, oil wars like this aren’t just headlines—they’re signals. Some companies will go under, but others will prove they can weather the storm. That’s where opportunity lies. If you’re a long-term investor, index funds like the S&P 500 still make the most sense. But if you’re looking to be more active, this is the time to pay attention to resources like Market Briefs and Briefs Pro. They help track macroeconomic shifts and identify sectors poised for recovery. The key is staying informed and avoiding short-term panic.

Understanding the Bigger Economic System
Let’s zoom out. This oil story is also a reminder of how our economic system is built. The truth? It benefits from the public’s lack of financial education. Institutions profit when we don’t understand how markets, money, or investing work. If we stay in the dark, we stay dependent. That’s why learning how money really moves—especially during moments like this—is so important. The oil war is a battle between nations, but the lesson for individuals is personal: know the system, use the system, and stop being a passive observer.

Jaspreet Singh is not a licensed financial advisor. He is a licensed attorney, but he is not providing you with legal advice in this article. This article, the topics discussed, and ideas presented are Jaspreet’s opinions and presented for entertainment purposes only. The information presented should not be construed as financial or legal advice. Always do your own due diligence.

The post OPEC vs. U.S. Shale: What the Oil War Means for Your Wallet and the Global Economy appeared first on ROI TV.

Let’s break down the numbers. Back in 2020, the median home price in America was $387,000. Fast forward to April 2025, and that number has jumped to $585,000—a staggering 50% increase in just five years. But the real shocker? Monthly mortgage payments have more than doubled, rising 115% from $1,373 in 2020 to nearly $2,950 today. That’s the combined effect of skyrocketing prices and significantly higher mortgage rates.

Incomes haven’t kept up. Median income in the U.S. has only grown about 20% in that same timeframe. That mismatch between income and housing cost is the root of the current affordability crisis—and it’s forcing many would-be buyers to either wait or walk away entirely.

A huge part of the affordability issue lies in interest rates. The average 30-year mortgage rate in 2020 was around 3.4%. In 2025, we’ve seen rates range from 6% to as high as 12%, depending on the borrower and loan terms. That kind of increase means homebuyers are paying thousands more each year just in interest.

So what could fix this? If the Federal Reserve decides to lower interest rates later this year—a decision President Trump and Jerome Powell are actively discussing—we could see mortgage rates dip as well. If rates drop closer to 5%, it might reignite buyer demand and even push home prices back up again. But for now, those rate cuts remain speculative, and inflation, tariffs, and overall economic conditions will influence whether or not they happen.

Even if rates do fall, housing prices don’t drop quickly. Sellers rarely slash prices overnight. Most prefer to wait for a better offer or reduce their asking price in small increments. That’s why housing markets typically recover faster than they decline, and why buyers hoping for a major crash might be waiting longer than expected.

Beyond the numbers, there’s a broader conversation to be had about how our financial system works—and who it’s really working for. Many people feel the system is rigged to keep them behind. With limited financial education, rising debt, and soaring housing costs, it’s easy to feel like homeownership is slipping out of reach. And for some, it is.

That’s why I believe it’s more important than ever to understand that the home you live in is not necessarily an investment—it’s a liability. Yes, it provides stability. Yes, it can appreciate. But real wealth is built by investing outside your primary residence—in stocks, in income-generating real estate, or in businesses.

If you’re thinking about buying right now, here’s my advice: don’t try to time the market. Buy a home you can actually afford. Don’t overextend yourself on a variable rate. And don’t fall into the trap of thinking your dream house will make you financially secure. It won’t.

What will? Living below your means. Investing smart. And staying informed. The market will shift. Rates will rise and fall. But your financial stability depends on how you play the long game.

Jaspreet Singh is not a licensed financial advisor. He is a licensed attorney, but he is not providing you with legal advice in this article. This article, the topics discussed, and ideas presented are Jaspreet’s opinions and presented for entertainment purposes only. The information presented should not be construed as financial or legal advice. Always do your own due diligence

The post Can You Still Afford a Home? What Rising Rates and Prices Mean for Buyers in 2025 appeared first on ROI TV.

That was the tone of this week’s meeting as we broke down recent labor reports, the Fed’s cautious stance on interest rates, and how investors can stay steady while the media spins every market dip into a headline. More importantly, we talked about how to manage money and build wealth through uncertainty not around it.

The ADP payroll report showed fewer jobs added than expected, rattling Wall Street, the White House, and the Fed. Then the Labor Department dropped their numbers for May surprisingly strong job growth. The bounce-back confused markets but eased fears of a slowdown, at least temporarily. The economy, it seems, might be stronger than we think.

Meanwhile, the Federal Reserve is playing a careful game. President Trump wants rate cuts now. Why? Lower rates mean cheaper borrowing, more spending, and a jolt to the housing and stock markets. Think: refinancing booms, cash-out loans, and more money circulating.

But the Fed’s holding back. Why? One word: inflation.

Tariffs, especially on Chinese goods, are still playing out in the background. They raise prices across the board from raw materials to consumer products. If the Fed cuts rates now and those tariff-driven price hikes hit, inflation could surge. That’s the tightrope the Fed is walking.

President Trump even suggested raising interest rates to combat tariff-induced inflation. The Fed, for now, is watching and waiting, with eyes on both the June and September meetings for potential moves.

So what does this mean for you?

Lower interest rates could mean a stronger housing market, more borrowing, and potentially a market rally. But they could also fuel inflation and asset bubbles. That’s why investors need to zoom out.

In the short term, markets may rise or fall depending on what the Fed signals next. But in the long run? It’s not about predicting the next move. It’s about sticking to a plan.

Warren Buffett said it best: “Time in the market beats timing the market.” That’s the mantra we’re holding onto.

Instead of reacting to every headline, focus on accumulating assets, diversifying your portfolio, and consistently investing even in downturns. The goal isn’t to avoid risk entirely it’s to manage it wisely with a long-term mindset.

Political tension, tariff talks, Fed feuds (yes, even the Trump vs. Elon narratives) they’re noisy, unpredictable, and emotionally charged. That’s why smart investors don’t let politics dictate their portfolios.

One of the best ways to stay grounded is to stay informed. We recommend subscribing to Market Briefs, a free daily newsletter that breaks down economic news in plain English stocks, crypto, housing, global markets everything you need to know to make smart decisions. It also includes access to an investing masterclass and in-depth reports via Briefs Pro.

In a world full of opinions and headlines, the smartest thing you can do is build wealth methodically, stay informed, and avoid emotional decisions.

Because the real risk isn’t the Fed it’s reacting without a plan.

Jaspreet Singh is not a licensed financial advisor. He is a licensed attorney, but he is not providing you with legal advice in this article. This article, the topics discussed, and ideas presented are Jaspreet’s opinions and presented for entertainment purposes only. The information presented should not be construed as financial or legal advice. Always do your own due diligence.

The post What the Fed’s Next Move Means for Your Money and How to Invest Through the Noise appeared first on ROI TV.

In this week’s episode, we broke down the state of U.S.-China tariffs, their ripple effects across industries, and where smart investors and business owners can find strategic advantages amid economic pressure.

U.S.-China Tariffs: A New Deal on the Horizon?

Right now, the U.S. and China are in talks to reach a new tariff agreement, with the next decision expected by July 8th. Tariffs once soared as high as 145%, and though they’ve since been reduced to 30%, businesses and investors are watching closely.

A 90-day tariff pause has given retailers breathing room, but the long-term outcome remains uncertain. A resolution could reduce costs, increase imports, and even ease inflation—but the market remains cautious.

Trucking Industry: From Pandemic Boom to Recession

Even before the tariff issue flared up again, the trucking industry was already in recession. The COVID-era boom led to over-expansion, and now:

• There’s too much capacity
• Not enough goods coming into ports
• And lower demand due to tariff-driven import reductions

Many trucking companies are in trouble—especially those operating on heavy debt. With interest rates rising, those debt payments are getting more expensive, fast.

But here’s the upside: trucking isn’t going anywhere. It remains an essential service. The businesses that can survive this squeeze may come out stronger—and more dominant.

Retailers Are Caught in the Crossfire

Retailers are hoping for a tariff rollback, which could allow them to resume or expand orders from China. But while imports may become cheaper, retailers face another problem: struggling American consumers.

With inflation eating away at disposable income and credit card debt spiking, shoppers are pulling back. Even if goods become cheaper, people need money to buy them.

Still, if tariffs ease and inflation stabilizes, this could be a rebound moment for well-positioned retailers with strong balance sheets and flexible sourcing strategies.

Inflation Is Still the Elephant in the Room

Despite efforts to cool the economy, inflation remains persistent. Groceries, gas, housing—it’s all more expensive. And income growth just hasn’t kept up.

Here’s the fallout:

• Credit card delinquencies are now at their highest since the 2008 financial crisis
• Many consumers are turning to buy-now-pay-later apps or payday loans just to keep up
• The divide between asset owners and everyday workers is widening

This isn’t just a budgeting problem—it’s a macroeconomic signal. If inflation stays elevated and wages remain flat, the economy could see slowed growth and more debt defaults.

Interest Rates: The Quiet Storm

We’re still in a high-rate environment—and it’s squeezing businesses hard.

Many companies borrowed cheap in 2020 and 2021. Now, as those loans reset at higher rates, the cost of servicing debt is ballooning. Deutsche Bank is already projecting more business defaults in 2026, especially among high-risk companies.

The Fed says they’ll hold rates higher for longer, which means the pressure won’t let up soon.

So Where’s the Opportunity?

Even in the middle of all this—there are places to grow.

Trucking – The industry is down now, but not out. Companies that survive the storm will benefit from less competition and rising demand once trade rebounds.

Retail supply chains – Retailers who adapt quickly to changes in tariffs and inflation can strengthen their position as others falter.

Inflation-affected sectors – Look for companies with pricing power or those offering essential goods and services.

Financial education and investing – This is not the time to sit on the sidelines. It’s the time to learn, strategize, and act.

Final Thoughts

Tariffs, inflation, interest rates, and debt are all shaping the economy in real time. The headlines might sound scary—but they’re also full of clues. If you follow where the money’s moving and stay disciplined with your planning, you can find opportunity in the very challenges that leave others stuck.

The key isn’t to avoid risk—it’s to understand it, plan for it, and make smarter decisions than the people who don’t.

Jaspreet Singh is not a licensed financial advisor. He is a licensed attorney, but he is not providing you with legal advice in this article. This article, the topics discussed, and ideas presented are Jaspreet’s opinions and presented for entertainment purposes only. The information presented should not be construed as financial or legal advice. Always do your own due diligence.

The post How to Navigate Financial Opportunities in a Shifting Economy appeared first on ROI TV.

Accumulation: The Long Game with Big Results

Let’s start with the more attainable method accumulating your way to a million. That means consistently saving and investing over time. Now, if you try to save $4 a day and keep it under your mattress, it’ll take about 700 years to hit your goal. Not a great plan.

But if you invest that $4 daily into something like the S&P 500, which historically returns about 10% annually, you’ll cut that timeline to just 44 years. And if you increase your investment by just 5% annually, your timeline drops to 36 years.

Now let’s say you’re a little more aggressive putting away $500/month and increasing it by 5% each year. Suddenly, you’re staring at $1 million in just 25 years. That’s how powerful consistent investing is, especially when you let time and compounding do the heavy lifting.

Spending Less Isn’t About Deprivation It’s About Prioritization

Here’s the truth: most of us could find more money to invest if we looked hard enough. The biggest drains? Cars and housing. I’ve started making smarter choices driving used instead of luxury, and reconsidering whether I need all that square footage.

There’s also what we call DSYCA Dumb Stuff You Can’t Afford. Subscriptions you don’t use, expensive dinners out, gadgets that don’t bring lasting value. I’ve cut those out and redirected that cash into my investments. It’s not about being cheap. It’s about trading now for financial freedom later.

Investing Without Emotion

One of the biggest lessons I’ve learned is that emotional discipline matters just as much as financial education. Markets rise and fall. The S&P 500 has had recessions and crashes but it still averages a 10% annual return. The key is to stay the course and avoid the temptation to make rash moves when things feel uncertain.

If you understand the market and stick with it long-term, your money grows. It’s not magic. It’s math.

Earning Wealth: The Fast Lane with Higher Stakes

Now, let’s talk about the other path: earning your way to $1 million. This is faster, but it’s harder. If I wanted to make $1 million in a year, I’d need to earn about $2,800 a day. That’s not happening with most 9-to-5 jobs unless you’re an executive or in a high-level specialized field.

That’s where entrepreneurship comes in.

Whether it’s selling a $10 product 280 times a day or a $1,000 product three times a day, the math works out the same. The difference is your strategy and your grit. It’s about building something people want, solving a real problem, and scaling it with platforms like YouTube, Instagram, or TikTok.

Entrepreneurship is tough. I’ve failed before. But I’ve also learned that refining a product, building systems, and scaling sales can grow faster than any stock 2,000% growth isn’t unheard of in the early stages of a business.

The Reality Check: Why This is More Important Than Ever

In the last 50 years, the median household income has gone up 600%, but the cost of living has skyrocketed even more. Back in 1971, one income was enough for a family. Today, even two full-time incomes sometimes can’t keep up.

That’s why becoming intentional about wealth either by saving and investing consistently or creating new income streams is no longer optional. It’s essential.

If I keep prioritizing investing over impulse spending, learning new skills, and staying committed to the long game, I know that first million isn’t a dreamit’s a plan.

Jaspreet Singh is not a licensed financial advisor. He is a licensed attorney, but he is not providing you with legal advice in this article. This article, the topics discussed, and ideas presented are Jaspreet’s opinions and presented for entertainment purposes only. The information presented should not be construed as financial or legal advice. Always do your own due diligence.

The post How I’m Building My First Million appeared first on ROI TV.

• Extension of 2017 Tax Cuts: The bill seeks to make permanent the tax cuts introduced in 2017, which are set to expire at the end of 2025. abcnews.go.com
• Elimination of Taxes on Specific Incomes: Proposals include exempting tips, overtime pay, and Social Security benefits from federal income taxes. taxpolicycenter.org
• Introduction of “Trump Savings Accounts”: These accounts would allow parents to save for their children’s future, with an initial government deposit of $1,000 and annual contribution limits. abcnews.go.com
• Increase in SALT Deduction Cap: The state and local tax deduction cap would rise from $10,000 to $40,000 for joint filers earning less than $500,000 annually. reuters.com+2abcnews.go.com+2bipartisanpolicy.org+2
• Repeal of Certain Excise Taxes: The bill proposes eliminating federal excise taxes on items like gun silencers and indoor tanning services. abcnews.go.com

Economic Implications

• Increase in Federal Deficit: The Congressional Budget Office estimates the bill would add $2.4 trillion to the federal deficit over the next decade. nypost.com+2reuters.com+2businessinsider.com+2
• Potential Loss of Health Coverage: Approximately 10.9 million people could lose health insurance due to proposed cuts to Medicaid and other programs. reuters.com+2apnews.com+2apnews.com+2
• Inflationary Pressures: Experts warn that increased deficit spending could lead to higher inflation, affecting the cost of living for consumers.

Political and Public Response

• Criticism from Fiscal Conservatives: Figures like Senator Rand Paul have expressed concerns about the bill’s impact on the national debt.
• Opposition from Elon Musk: The Tesla CEO criticized the bill for eliminating electric vehicle tax credits, which could negatively affect the EV industry. businessinsider.com+1thesun.ie+1
• Debate Over Equity: Analysts argue that the bill disproportionately benefits higher-income households, potentially exacerbating income inequality.

Investment Considerations

• Inflation-Protected Securities: Investors might consider Treasury Inflation-Protected Securities (TIPS) as a hedge against potential inflation. barrons.com
• Diversified Portfolios: Given market uncertainties, diversification across asset classes could mitigate risks associated with policy changes.
• Monitoring Policy Developments: Staying informed about legislative progress and economic indicators is crucial for making timely investment decisions.

Jaspreet Singh is not a licensed financial advisor. He is a licensed attorney, but he is not providing you with legal advice in this article. This article, the topics discussed, and ideas presented are Jaspreet’s opinions and presented for entertainment purposes only. The information presented should not be construed as financial or legal advice. Always do your own due diligence.

The post Trump’s “Big Beautiful” Tax Cut Plan: Will It Help or Hurt Your Finances? appeared first on ROI TV.

Why is this happening now?

Homes are sitting on the market longer. Sellers are listing more frequently. And buyers? Many are waiting on the sidelines, hesitant due to elevated mortgage rates and broader economic uncertainty. In real estate terms, the market is “softening” not collapsing. That means slower price growth, longer selling timelines, and reduced buyer urgency.

A Historical Perspective on Prices and Payments

Back in 2020, the median home price in the U.S. was $329,000, and mortgage rates averaged a historically low 3.1%. Buyers who put down 20% enjoyed monthly payments around $1,123. Fast forward to 2023, and things looked very different: the median price jumped to $492,300, mortgage rates surged to 6.81%, and monthly payments skyrocketed to $2,570 more than double what they were just three years earlier.

In 2025, there’s been some relief. The median home price has dipped to $416,900, and while rates remain high at 6.84%, the average monthly payment is now $2,183. That’s a 15% drop from 2023 levels but still a long way from the affordability of 2020.

Supply Is Up, But Demand Isn’t Following

The classic economic rule of supply and demand explains a lot here. When supply outpaces demand, prices stabilize or even fall. And right now, supply is rising. More homes are being listed. Listings are sitting longer. Foreclosures are increasing.

But demand isn’t keeping up. Economic uncertainty, particularly around tariffs and a sluggish Q1 2025 economy, is discouraging potential buyers. Some who bought recently are facing financial strain and trying to sell often for less than they paid, especially once realtor fees are factored in.

Will Lower Interest Rates Bring Buyers Back?

There’s pressure on the Federal Reserve from government leaders, including President Trump, to cut interest rates. If that happens, mortgage rates could fall and that could reheat buyer interest. But for now, the Fed hasn’t made any promises. Buyers remain cautious, and sellers may need to reset their expectations.

Government incentives could also play a role. New grant programs or tax breaks might lure hesitant buyers back into the market, but so far, such efforts remain speculative.

What to Watch Moving Forward

To get a pulse on where the housing market is headed, keep an eye on:

• New home listings
• Average time homes stay on the market
• Foreclosure rates
• New housing construction
• Broader economic performance
• Federal Reserve decisions

If supply continues to climb and demand stays stagnant, prices may keep softening. But any major economic shift especially a drop in interest rates could flip the script quickly.

Bottom Line

We’re not witnessing a housing bust. We’re seeing a market correction. After years of unsustainable growth, home prices are slowing, giving buyers a fighting chance and sellers a reality check. Whether you’re looking to buy, sell, or just stay informed, the months ahead will offer valuable insights into the future of real estate in America.

Jaspreet Singh is not a licensed financial advisor. He is a licensed attorney, but he is not providing you with legal advice in this article. This article, the topics discussed, and ideas presented are Jaspreet’s opinions and presented for entertainment purposes only. The information presented should not be construed as financial or legal advice. Always do your own due diligence.

The post Is the U.S. Housing Market Finally Cooling Off? appeared first on ROI TV.

It’s not flashy. It’s not risky. But it works.

What Is House Hacking?

House hacking is when you live in a property and rent out part of it to cover your mortgage. Thanks to something called the Primary Residence Rule, you can buy a property with up to four units like a duplex, triplex, or quadplex and still qualify for a regular primary residence mortgage. The only catch? You need to live in one of the units.

Let me show you how this plays out.

Say you buy a $1 million four-unit building with $200,000 down. Your monthly mortgage is $5,000. You live in one unit and rent out the other three. If each brings in $1,500, you’re collecting $4,500. That means you’re only paying $500 out of pocket to live there. Where else can you get a deal like that?

Rent Increases Turn It Into Profit

Once you’ve got stable tenants and the neighborhood improves, you can raise rents. If you push each unit from $1,500 to $2,000, you’re now pulling in $6,000 a month. Your mortgage is still $5,000. That’s a $1,000 monthly profit while still living there.

How to Multiply the Strategy

Here’s where it gets interesting.

FHA loans and other primary mortgages require you to live in the property for at least one year. After that? You’re free to move. That means you can buy another four-unit building, move in, and rent out the old one completely. Now you’ve got 7 units making money and you’ve only lived in two places.

Rinse and repeat this strategy for 5–10 years, and you’re building a real estate empire without needing a million-dollar salary.

Financing Your Way In

One of the best parts? You don’t need 20% down. Depending on the loan type, you might only need:

• 5%
• 3.5%
• 3%
• Even 0% in some cases (VA loans, for example)

As the property gains value, you can also use a cash-out refinance to pull equity out tax-free. Let’s say your $1 million property appreciates to $1.5 million. You refinance and pull out $1.1 million. That’s real money you can use to buy another building and you don’t pay taxes on it because it’s a loan, not income.

The Real Power of Real Estate

House hacking is more than just saving on rent. It’s a wealth-building machine. You’re stacking:

• Rental income
• Property appreciation
• Tax advantages
• Equity from mortgage pay-downs

And once you build up enough, you can:

• Refinance to fund bigger deals
• Sell for capital
• Scale into apartment buildings or commercial real estate

But here’s the truth: It takes patience. It takes learning. It takes doing your homework. Real estate isn’t a “get rich quick” game it’s a “get wealthy over time” game.

Start Small. Learn Fast. Grow Steady.

You don’t need to jump into a fourplex on day one. Start with a single-family home and rent a room. Learn how leases work. Learn how maintenance works. Then level up.

And if you’re serious about building wealth through real estate, make sure you’re subscribed to Market Briefs. It’s my free daily newsletter that breaks down real estate, stocks, crypto, and global markets in plain English. You’ll also get access to my free master class where I teach these exact wealth-building strategies.

Because knowledge without action is just entertainment.

Jaspreet Singh is not a licensed financial advisor. He is a licensed attorney, but he is not providing you with legal advice in this article. This article, the topics discussed, and ideas presented are Jaspreet’s opinions and presented for entertainment purposes only. The information presented should not be construed as financial or legal advice. Always do your own due diligence

The post House Hacking: How I Used Real Estate to Build Wealth (And How You Can Too) appeared first on ROI TV.

Let me break it down.

What the Bond Market Actually Is

Bonds are basically loans. When you buy a bond, you’re lending your money to a company (like Apple or McDonald’s) or to the U.S. government in exchange for interest payments. That’s it. It’s not about ownership like stocks—it’s about being the bank. And when you’re the bank, you care about getting paid back with interest.

Government bonds, or “treasuries,” come in three flavors:

• Treasury bills (1 year or less)
• Treasury notes (2 to 10 years)
• Treasury bonds (20 to 30 years)

Treasuries are seen as the safest investments in the world—because the U.S. government can always pay you back by taxing citizens or printing more money. But safe doesn’t mean simple.

What’s Going On in 2025

This year, bond yields are rising fast. Why? Because people are selling bonds. When demand drops, prices go down—and to attract new buyers, yields go up. Think of it like housing: if everyone’s selling their house, prices drop until someone bites.

This bond sell-off is raising red flags on Wall Street. Why? Because rising yields ripple across the economy. They make:

• Government borrowing more expensive
• Mortgage rates higher
• Car loans pricier
• Business loans harder to get

When borrowing gets expensive, economic growth slows. And that’s why the markets are nervous.

What’s Causing the Sell-Off?

A few big reasons:

1. China’s dumping treasuries. As one of the largest foreign holders of U.S. debt, China pulling back puts pressure on bond prices. They may be trying to reduce reliance on the U.S. dollar.
2. Debt fears. The U.S. is running massive deficits—spending way more than it earns. Rating agencies like Fitch and Moody’s have downgraded U.S. credit over the past decade.
3. Inflation. Investors want higher yields to keep up with inflation. No one wants to lock in low returns if prices keep rising.

How the Government Really Borrows Money

Here’s where things get eye-opening. The U.S. doesn’t just borrow from citizens. It borrows from:

• You (when you buy treasuries)
• Foreign governments (like China, Japan, and the UK)
• The Federal Reserve (which can literally print money and lend it to the Treasury)

That last part is important. When the Fed prints money to finance government debt, it devalues the dollar. That’s inflation. And inflation hurts your wallet—groceries, rent, gas—it all costs more.

Who Wins from Inflation? Not You

Inflation is a hidden tax. It eats away at your savings. But guess who benefits?

• Investors (assets rise in value)
• Corporations (can raise prices)
• Governments (pay off debt with cheaper dollars)

Meanwhile, if you’re not investing, you’re losing.

So What Can You Do?

Step one: Get educated. The economy isn’t designed to favor workers—it’s built to reward investors. That’s why I always say: Don’t just work for money. Make your money work for you.

Understand the bond market, inflation, and economic trends. Because the people who do are the ones who build wealth during times like these.

And if you’re ready to level up your money game, check out Market Briefs—my free daily newsletter—and my master class where I teach how the system works and how to start investing smart.

Because in today’s world, financial literacy isn’t a luxury. It’s survival.

Jaspreet Singh is not a licensed financial advisor. He is a licensed attorney, but he is not providing you with legal advice in this article. This article, the topics discussed, and ideas presented are Jaspreet’s opinions and presented for entertainment purposes only. The information presented should not be construed as financial or legal advice. Always do your own due diligence

The post Why the Bond Market Matters More Than You Think (And How It Impacts Your Wallet) appeared first on ROI TV.