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.

• 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.

In America, many people appear wealthy—luxury cars, big homes, frequent upscale dining—but it’s often a mirage. A shocking number of Americans live paycheck to paycheck, regardless of income level. Whether earning $40,000 or $200,000 a year, many find themselves without savings after covering monthly bills. Half of Americans have less than $1,000 in savings, yet car loans exceeding $1,000 a month are increasingly common. This disconnect between perceived wealth and financial stability is a growing problem.

Consumer Debt and Financial Behavior

Over 100 million Americans currently have car loans, representing more than one-third of eligible drivers. The average new car payment sits at $742 per month—and that’s before insurance, fuel, or maintenance costs. Many individuals finance luxury items in the name of success, often at the expense of financial health. Banks and lenders facilitate this cycle by extending credit to individuals with minimal savings, further deepening the reliance on debt.

The Importance of Financial Education

Financial literacy is essential to breaking this cycle. Understanding the difference between assets and liabilities helps individuals shift from debt accumulation to wealth generation. Assets—such as real estate, stocks, and businesses—produce income and build long-term value. Liabilities—like financed cars, designer clothes, and other high-interest purchases—consume resources. A mindset shift from instant gratification to long-term growth is crucial.

Sacrifices Required for Wealth Building

There’s no shortcut to wealth. It often takes a decade of disciplined sacrifice. That means spending less, earning more, and investing the difference. It might mean driving a used car, living below your means, or skipping that vacation. But those choices compound over time, turning into financial freedom and independence.

The Role of Consumerism in Financial Struggles

American consumer culture glamorizes spending—credit cards, buy-now-pay-later plans, and luxury lifestyles are normalized. This leads many to live beyond their means, prioritizing appearances over stability. The cost? No savings, no freedom, and no time. They’re trapped in a loop of working to pay off liabilities rather than investing in their future.

Silent Wealth vs. Flashy Lifestyle

True wealth is quiet. It doesn’t flaunt, it builds. Many financially successful people are invisible—focused on acquiring income-generating assets rather than showing off liabilities. On the other hand, many who showcase wealth online are deeply in debt or using those images to sell courses or products. The key is adopting a “minority mindset”—thinking differently, prioritizing freedom over flash.

Stay Informed with Market Briefs

One of the best ways to build wealth is to stay informed. “Market Briefs” is a free daily newsletter that simplifies market news—stocks, crypto, real estate, and economic trends—into an easy-to-read format. It also offers a free investing master class to help you grow smarter with your money.

Stay focused. Stay educated. Build real wealth.

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 Everyone Seems To Have More Money Than You appeared first on ROI TV.

The Shrinking Workforce: Why It Matters to Me

In one of our recent meetings, we dug into the numbers, and the reality is clear: fewer people are entering the workforce, while millions of baby boomers are retiring. The U.S. birth rate has been steadily falling since 2007, and this decline is now starting to hit the economy hard. That means fewer workers to fill jobs, lower productivity, and mounting pressure on social safety nets.

To counter this, I’ve been watching how the government—especially under Trump’s policy direction—is trying to turn things around. Some proposals include a $5,000 baby bonus, cutting international fellowship funds to support mothers and children, and launching education programs for women around childbirth. It’s a bold shift, and it signals where future policy and dollars may be headed.

Kids Are Expensive—And That’s Holding People Back

Let’s be honest: raising a child isn’t cheap. Depending on where you live and how you spend, you’re looking at $202,000 to $430,000 per child. Even giving birth can cost families around $3,000 out of pocket after insurance. Inflation and economic uncertainty only add to the hesitation many people have about starting or growing families. But as an investor, I see this not just as a problem—it’s also a signal.

Where I See Opportunity: Aging Populations and Baby Products

This demographic imbalance is creating two major lanes of opportunity. On one side, you’ve got an aging population. That means elder care, nursing homes, and healthcare services are going to grow fast. I’ve started looking at ETFs focused on aging populations, like GNG Aging, as well as broader market funds with exposure to these industries.

On the flip side, if government policies start working, fertility services, pediatric care, and baby product companies could see a big lift. I’m watching companies in those sectors and looking at broad-market ETFs like VTI or SPY/VOO for indirect exposure.

Tariffs Are Still a Wild Card

Tariffs are another factor I can’t ignore. Even though the Trump administration has eased some restrictions—like not stacking auto tariffs on top of steel tariffs—we’re still dealing with a 25% import tax on many vehicle parts. That means auto companies are facing thinner margins and may pass those costs to consumers.

Any change in tariffs, which we expect announcements on in July, could shift stock valuations quickly. I’m staying nimble, keeping cash on hand for possible dips or opportunities when Wall Street reacts.

What CEOs Are Saying About the Economy

It’s not just me feeling cautious—62% of CEOs say we’re heading into a recession or economic slowdown. Inflation, tariffs, and slowing growth are making them nervous, and I don’t blame them. But for long-term investors like me, volatility often opens doors.

I stick to the Always Be Buying (ABB) strategy: I invest steadily into VTI, SPY, and VOO regardless of market noise. Historically, the markets recover from every downturn. The real challenge is staying in the game long enough to see the upside.

Staying Informed and Ahead

To keep my edge, I read Market Briefs every day. It gives me a quick, easy-to-digest overview of the markets, economy, and policy shifts. They also throw in a free investing masterclass when you sign up. It’s helped me spot trends faster and make better 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 Biggest Risk to Our Economy (and its not tariffs) 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.