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.

1. Flashy Cars and Luxury Logos

Driving the latest luxury car or rocking brand-name logos from head to toe might look impressive, but it’s often a sign of prioritizing appearances over financial health. True wealth is typically quiet—Warren Buffett still drives a modest car. Owning assets that appreciate, like real estate or investments, is a better wealth indicator than a leased sports car.

2. Constant Job Hopping for Salary Bumps

Jumping from job to job just for a salary increase might boost your income temporarily, but it can hurt your career growth and stability. It’s often a sign of trying to keep up with a lifestyle rather than building long-term wealth. Building expertise and climbing the ladder in one company often pays off more in the long run.

3. Relying on Credit Cards for Everyday Expenses

America’s credit card debt has surpassed $1 trillion, and living off credit is not sustainable. If you’re swiping for daily expenses without paying off your balance in full each month, you’re essentially paying more for everything you buy, thanks to interest. True wealth means living within your means and using credit as a tool, not a lifeline.

4. Impulsive Spending and “Living in the Moment”

There’s nothing wrong with enjoying life, but impulsive trips and luxury purchases can quickly drain savings and rack up debt. If you’re always splurging without a plan, it’s a sign that long-term financial security isn’t being prioritized. Setting budgets for vacations and big purchases is a smarter way to enjoy life without financial regret.

5. Not Budgeting—Even If You Earn Well

Budgeting isn’t just for those scraping by. Even high earners can find themselves in financial trouble if they don’t track their spending. Not knowing where your money is going is the fastest way to lose it. Real wealth is intentional, and budgeting is the cornerstone of financial control.

6. Obsession with Appearance

Spending excessively on designer clothes, beauty treatments, and luxury accessories is often more about status than necessity. While there’s nothing wrong with treating yourself, doing so at the expense of savings or investments can cripple long-term wealth. Confidence doesn’t come from labels—it comes from financial security.

7. Avoiding Financial Discussions

If you shy away from talking about your financial situation, it could be a red flag. Whether it’s fear of judgment or avoidance of reality, not facing your financial truth only delays progress. Open discussions with a financial advisor or trusted mentor can pave the way to better decision-making.

8. Lack of Financial Knowledge

Not understanding mortgage rates, car financing, or retirement planning can lead to costly mistakes. Financial literacy is power, and the more you know, the better your financial decisions will be. Investing in education now can save you thousands—or even millions—down the line.

9. Chasing the Latest Trends

Always needing the newest phone, car, or fashion statement? That’s a quick way to burn through cash with little to show for it. The wealthy invest in assets that grow over time, not trends that lose value the moment you buy them.

10. No Long-Term Financial Goals

If your only plan is to make it to your next paycheck, building wealth will always be out of reach. Real wealth requires long-term planning—saving for a home, retirement, or even your child’s education. Setting specific, measurable goals helps turn dreams into reality.

Proven Steps to Achieve Real Wealth

If you find yourself nodding to some of the habits above, don’t worry—it’s never too late to make a change. Here’s how to shift from appearing wealthy to actually building lasting wealth:

1. Get Out of Debt – Paying down high-interest debt frees up money that can be invested and grown.
2. Build an Emergency Fund – Aim for 3–6 months of expenses in a high-yield savings account.
3. Invest Consistently – Put 15% of your income into retirement accounts to leverage compound interest.

All writings are for educational and entertainment purposes only and does not provide investment or financial advice of any kind.

The post 10 Habits That Scream “I’m Trying to Look Wealthy” appeared first on ROI TV.

Common Careers Among Millionaires Surprisingly, the top five careers for millionaires are engineer, accountant, teacher, manager, and attorney—not flashy, high-paying roles, but stable and consistent. According to the largest study of millionaires, 79% did not inherit their wealth. It turns out that habits and decisions with money are far more important than your income level or job title.

The Power of Investing and Compound Interest Investing consistently over time is the true path to building wealth. Compound interest—the idea of earning returns on both your initial investment and the returns it generates—works wonders. For example, if you invest 15% of a $65,000 salary annually from age 35 to 65, you could end up with $1.8 million in retirement savings, with only $290,000 contributed directly. Start at age 22, and that same strategy could grow to $6.9 million, thanks to the magic of compound interest.

Financial Steps to Prepare for Investing Before diving into investments, you need a solid financial foundation. First, become debt-free (excluding your mortgage). Next, build a fully funded emergency fund covering 3 to 6 months of expenses. Only then should you start investing 15% of your income into retirement accounts. Using tools like an investment calculator can help you visualize your money’s growth over time.

Avoiding Lifestyle Creep Brandon shared how he avoided lifestyle creep—the tendency to increase spending as income rises. Instead of buying things that depreciate, he focused on saving and investing. Maintaining a frugal lifestyle and prioritizing financial stability over flashy purchases ensured he remained financially secure, even during tough years.

The Role of Inheritance in Wealth Building While Jessica inherited $300,000 over her lifetime, it was her disciplined savings and investments that truly built her wealth. Brandon, on the other hand, inherited no money but benefited from using older equipment gifted by his grandfather to start his farming career. Both stories reinforce that inheritance is helpful but not necessary to achieve financial success.

Privacy Concerns and Protecting Your Information A quick note was made about privacy concerns—one-third of the U.S. population’s background information, like names, addresses, and phone numbers, is publicly available. To combat this, Delete Me, a sponsor, offers a service to remove personal information from data broker websites. Plans start at $9 per month, with a 20% discount available through a specific link.

Empowerment and Encouragement to Build Wealth The session wrapped up with a powerful message: anyone can become a millionaire with discipline, smart money management, and consistent investing. You don’t need a huge salary—you just need a plan and the commitment to follow it. Take control of your finances, follow the steps, and watch your wealth grow.

All writings are for educational and entertainment purposes only and does not provide investment or financial advice of any kind.

The post How Ordinary People Become Millionaires appeared first on ROI TV.

The System Isn’t Designed to Make Me Rich

Let’s be honest: the economic system doesn’t reward people like me just for working hard. It rewards investors, not employees. Banks make billions off people who carry credit card debt. Corporations grow by encouraging us to spend more. The government hands out tax breaks to the wealthy who own assets—not to the middle-class worker trying to make ends meet.

And while inflation keeps eating into my paycheck, the prices of groceries, gas, rent, and everything else just keep climbing. If I didn’t understand how the system works, I might feel hopeless. But instead of giving up, I decided to take control of what I can.

Taking Ownership of My Financial Life

I used to think my financial problems were someone else’s fault—my employer, the government, the economy. But blaming the system doesn’t solve my problems. I had to stop pointing fingers and start asking myself tough questions. Was I spending more than I earned? Was I investing consistently? Did I have a plan?

Once I got honest with myself, I realized that personal accountability is my greatest financial asset.

How I Started Building Wealth

I began by following one rule: spend less than I earn. That meant cutting unnecessary expenses and setting up an emergency fund. My first goal was to save $2,000 for unexpected expenses—just enough to avoid going into credit card debt for life’s surprises.

Then I got serious about high-interest debt. I focused on paying off credit cards and payday loans, which can drain you with interest rates north of 20%. Once I had those under control, I turned to investing.

Always Be Buying

I didn’t wait for the perfect time to invest—I started with what I had. I follow a simple principle: Always Be Buying (ABB). Whether the market is up or down, I invest a set amount into index funds like VTI, SPY, or VOO. These give me exposure to the broader economy and top U.S. companies without needing to pick stocks.

To make it easier, I automated my investments so money gets pulled from my checking account every month. It’s hands-off, consistent, and effective.

Keeping It Simple and Staying Consistent

When I first started investing, I felt overwhelmed. I thought I had to know everything about the stock market. But I learned that simplicity wins. Broad market funds give me diversification without stress. I may make mistakes, but the biggest mistake would be doing nothing at all.

Playing the Long Game

Building wealth isn’t about overnight success. It’s about choosing discipline over comfort for a decade. I’ve committed to a “decade of sacrifice,” where I spend less, earn more, and invest the difference. If I stick with it, I know I’ll reach financial freedom—where my investments cover my living expenses, and I’m no longer dependent on a job to survive.

Bridging the Financial Education Gap

I wasn’t taught this in school. Most of us weren’t. We were trained to become employees, not investors. That’s why I’ve made financial education a personal mission—reading books, watching experts, and learning how the system works. If I want to succeed in a system built for investors, I have to think and act like one.

Final Thoughts

The system might not be fair—but I’m not powerless. By understanding how it works and taking responsibility for my financial life, I’ve started building real, lasting wealth. And the best part? Anyone can do it. It just takes commitment, consistency, and a willingness to start.

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 So Many High Earners Are Broke and How I’m Building Wealth Anyway appeared first on ROI TV.

Well, here’s the truth: it depends on you—your goals, your timeline, your risk tolerance, and your financial game plan.

How Have These Investments Performed?

Over the last five years, Bitcoin’s up over 1,000%, the stock market has grown about 120%, and the housing market’s climbed around 50%. But let me be crystal clear—past performance doesn’t guarantee future results. The goal isn’t to chase the highest number. The goal is to understand how each of these assets works so you can build a strategy that fits your life.

Real Estate: My Favorite for Cash Flow and Control

Real estate makes up about 50% of my portfolio, and for good reason. You’ve got cash flow from rental income, appreciation in property value, and some amazing tax benefits. I’m talking about depreciation write-offs, 1031 exchanges, and the ability to refinance tax-free.

The downside? It takes a lot to get started—big down payments, ongoing maintenance, tenant headaches. And real estate isn’t liquid. If you need to sell, it could take months.

But I love real estate because I can control it. I decide the rent. I decide the renovations. And the tax benefits? Huge.

Stocks: A Low Barrier, High Flexibility Asset

Stocks are the easiest way to get into investing. You can buy in with just a few bucks. Whether you’re buying Apple, Amazon, or Chipotle, you’re getting a slice of companies you know and use. Plus, you’ve got options—go growth for big upside or dividend-paying for steady income.

About 30% of my portfolio is in stocks—some in dividend-paying ETFs for cash flow, some in high-growth industries for long-term upside. The thing with stocks is they’re totally passive. The company does the work—you just sit back and (hopefully) watch your investment grow.

But the stock market can mess with your emotions. One bad news headline, and people panic sell. That’s why financial education is so important—so you don’t get caught chasing hype or fear.

Crypto: High Risk, High Potential Reward

Now let’s talk about the wild child—crypto. It’s volatile. It’s risky. But it also offers something unique: decentralization, borderless transactions, and nonstop market access.

I’ve got about 18% of my portfolio in speculative investments—startups and crypto included. These are high-risk, high-reward plays. I’m not putting my life savings in crypto, but I’m not ignoring it either. If it pays off, great. If it crashes, my core investments are still solid.

Designing Your Personal Investment Strategy

Here’s what I always say: Personal finance is personal. Don’t copy me. Don’t copy Trump, Saylor, or Buffett. Figure out what works for you.

Start by building a strong foundation—stocks and real estate are time-tested. Once you’ve got that base, you can explore riskier investments like crypto.

I also hold 2% of my portfolio in physical gold as a hedge. It doesn’t make me rich, but it’s a long-term store of value and a piece of my overall plan.

Tax Benefits You Can’t Ignore

Especially in real estate, the tax game is strong. If you own a property worth $300,000 (building only), you can write off about $10,000 a year through depreciation over 27.5 years. You can also accelerate that depreciation in the early years to supercharge your tax benefits.

Then there’s the 1031 exchange, which lets you defer capital gains taxes when selling a property, as long as you reinvest in another property. That’s like compounding wealth without Uncle Sam taking a cut—at least for now.

The Emotional Side of Investing

Emotions ruin more portfolios than bad investments. With stocks, it’s easy to freak out and sell low. With crypto, it’s easy to chase hype and buy high. Even with real estate, some people overleverage and panic when the market dips.

That’s why I built Market Briefs—to help people stay informed, not overwhelmed. It’s a free daily newsletter that breaks down what’s happening in the markets so you can make smart money moves.

So What Should You Do?

Start with one. Learn it. Understand it. Then diversify. You don’t need to be a pro in every asset class—you just need to have a strategy.

And remember, wealth isn’t about bragging rights or going viral. It’s about building a life of freedom, flexibility, and peace of mind.

If that’s your goal, you’re already on the right path.

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 Real Estate vs Stocks vs Crypto – Which Investment Is Best for You? appeared first on ROI TV.

If you’ve ever wondered why some people seem to thrive financially while others struggle, it often comes down to these fundamental wealth-building principles.

1. Shift Your Money Mindset

Before you can build wealth, you need to think like the wealthy. Jaspreet emphasizes four key mindset shifts:

Believe that wealth is possible – Anyone can build wealth with the right habits.
View money as a tool – It’s not about hoarding cash, but using it to grow your wealth.
Understand that money is abundant – There is more than enough opportunity for financial success.
Accept the responsibility to succeed – You must take ownership of your financial future.

Wealth isn’t about spending on Gucci bags or luxury cars—it’s about investing in income-generating assets that set you up for the future.

2. Cash Is King, but Cash Flow Is Queen

Jaspreet stresses that while having cash is important, it’s cash flow that truly builds wealth. Instead of just saving money, invest in assets that generate consistent cash flow, like:

• Real estate rentals
• Dividend-producing stocks
• Business investments

He shares his personal experience of investing for cash flow since 2011, proving how long-term strategies generate lasting wealth.

3. Study Trends, Not Emotions

One of the biggest mistakes investors make is chasing hype. Whether it’s meme stocks, crypto, or overpriced assets, emotional investing often leads to losses.

Instead, study long-term trends:
Where is money flowing?
What industries are growing?
What businesses are thriving?

To help investors make informed decisions, Jaspreet created Market Briefs, a free financial newsletter that delivers unbiased financial news.

4. Debt Is Spending Future Income

Jaspreet warns against using debt to maintain a lifestyle or buy luxury items.

Credit cards and 0% APR offers sound great, but they trap people in high-interest payments.
Car loans for brand-new vehicles drain your income for years.

Instead, save up and buy what you can afford—this way, your money works for you, not against you.

5. Grow the Pot Instead of Squeezing Pennies

Yes, saving money is important. But focusing only on cutting expenses isn’t enough—you need to increase your income.

Instead of just clipping coupons, ask yourself:

How can I make more money?
Can I take on a side hustle or start a business?
What investments can help me grow my wealth?

Example: If a real estate agent sells your property for a higher price when given an incentive, you earn more instead of just saving a few dollars.

6. Value Over Price

Jaspreet learned a tough lesson when he hired a cheap accountant who cost him more in mistakes than he saved.

Sometimes, going cheap is the most expensive decision. Whether it’s legal services, financial advice, or home repairs, paying for quality often saves more money in the long run.

7. Use the 75/15/10 Plan

To build wealth efficiently, Jaspreet follows this simple rule:

75% of income for expenses (rent, food, daily life)
15% invested (stocks, real estate, business)
10% saved (emergency fund, future goals)

The key? Live within your means while steadily growing your investments.

8. Time Is Your Best Investment Ally

One of the most powerful wealth-building tools is time. The earlier you start, the more your money compounds.

Example:

• Investing $500/month for 25 years = $750,000
• Adding just 5 more years = $1.25 million
• Warren Buffett didn’t become a billionaire until his 60s, proving the power of long-term investing.

9. Don’t Let Salespeople Make Your Financial Decisions

Many financial professionals—insurance agents, mortgage lenders, and car dealers—are salespeople first.

Their goal: Sell you more products.
Your goal: Make smart financial choices based on knowledge.

Educate yourself on:
Investments (stocks, real estate, ETFs)
Loan terms (mortgages, credit, interest rates)
Retirement planning (401(k)s, Roth IRAs)

The more you know, the less likely you’ll fall for bad financial advice.

10. Wealth Alone Won’t Solve Everything

Yes, money reduces financial stress, but it won’t fix everything.

Jaspreet emphasizes that wealth must be balanced with:
Physical health – Exercise and nutrition matter.
Mental well-being – Stress and burnout can impact success.
Spiritual growth – Finding purpose beyond money.

Financial success is just one part of a fulfilling life—don’t neglect the other aspects of well-being.

Final Thoughts: Wealth Is Built Over Time

Building wealth isn’t about luck—it’s about consistent habits, smart investments, and long-term thinking.

Shift your mindset and believe wealth is possible.
Invest in cash flow, not just cash.
Avoid debt and financial traps.
Focus on long-term growth over quick wins.

By following these 10 wealth laws, anyone—no matter where they start—can build a strong financial future.

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 10 Laws To Live A Wealthy Life appeared first on ROI TV.

The Importance of Investing to Protect Against Inflation

Investing is vital to outpace inflation and maintain the value of your money over time. Historical data demonstrates that inflation can significantly diminish the purchasing power of cash savings, making it essential to seek investment avenues that can provide returns exceeding inflation rates.

Key Investment Strategies:

• Diversification: Spread your investments across various asset classes, such as stocks, bonds, real estate, and commodities, to reduce risk and enhance potential returns.
• Equities: Historically, equities have provided higher returns than inflation over the long term, making them an attractive option for growth-oriented investors.
• Inflation-Linked Bonds: Consider investing in bonds that are linked to inflation, such as Treasury Inflation-Protected Securities (TIPS), which can help preserve purchasing power.

By implementing proper investment strategies, you can effectively offset the impacts of inflation and enhance your overall financial well-being.

Limitations of Monte Carlo Analysis in Financial Planning

While Monte Carlo analysis is a popular tool used in financial planning, it has its limitations. This method provides a probability of success based on various market scenarios, but it often lacks actionable steps for investors.

Key Limitations:

• False Sense of Security: Monte Carlo analysis may give investors a false sense of confidence without addressing critical aspects of financial planning, such as the need for adjustments in response to market changes.
• Magnitude of Potential Failure: The analysis typically doesn’t account for the potential severity of failure, which could mislead investors about the robustness of their plans.

Understanding these limitations is vital to creating a more comprehensive financial strategy that addresses both opportunities and risks.

Benefits of Monte Carlo Analysis in Financial Planning

Despite its limitations, Monte Carlo analysis offers valuable insights for investors. It can help illustrate the uncertainties of investing and highlight the impact of market timing on financial goals.

Key Benefits:

• Directional Guidance: It provides a general sense of direction, allowing investors to assess the likelihood of achieving their financial goals.
• Understanding Market Impact: The analysis helps investors grasp the uncertainties of market fluctuations and their potential effects on financial plans.
• Funding Adequacy Assessment: It assists in evaluating whether your current funding levels are adequate to meet future needs and suggests adjustments to align with your retirement goals.

Next Steps for Investors and Financial Planners

To maximize your investment strategy and financial planning efforts, consider the following steps:

• Develop a Comprehensive Financial Plan: Outline specific actions to enhance quality of life and meet retirement goals with the help of a financial planner.
• Review Investment Portfolio Allocation: Adjust your portfolio to better support retirement objectives and mitigate inflation risk.
• Evaluate Income Sources: Determine potential adjustments to ensure financial stability throughout retirement.
• Implement Tax-Saving Strategies: Maximize savings and optimize income in retirement by exploring tax-efficient options.
• Consider Spending Adjustments: Based on Monte Carlo analysis results, explore options for modifying spending habits or adjusting your retirement timeline.
• Explore Healthcare Risk Mitigation: Discuss potential long-term care strategies with your financial planner to safeguard against unexpected healthcare expenses.

Conclusion

Navigating the complexities of inflation and financial planning requires a multifaceted approach. By understanding the importance of investing to protect against inflation and recognizing the limitations and benefits of Monte Carlo analysis, you can create a robust financial strategy that helps secure your financial future. Take the first steps today to ensure that your retirement years are both enjoyable and financially stable.

Make sure to watch James Conole and Root Financial every morning to get more in depth information.

Intended for educational purposes only. Opinions expressed are not intended as investment advice or to predict future performance. Past performance does not guarantee future results. Neither the information presented, nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. Consult your financial professional before making any investment decisions. Opinions expressed are subject to change without notice.

The post Protecting Your Portfolio: Investing Strategies Against Inflation and Understanding Monte Carlo Analysis appeared first on ROI TV.