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The key is now not starting with $100,000 or $1,000. The key is being consistent and automatically and passively investing your money, no matter how much money you start with, but putting your money to work. But this requires you to now not just save and spend all of your money. It requires you to now understand how the system works. Then it requires you to know how to invest your money. And this is where, you know, some people are going to say you have to invest your money in real estate. Others are going to say you have to go into crypto. It doesn't matter. This is where financial education comes in handy because now you can start to do this research for yourself and decide maybe I want to invest some in stocks,
some in real estate, some in physical gold. Like I invest my money in five places. And so it's a way for me to now get diversification across different asset classes. There are many different ways for you to invest, but this is where you need that financial education to now know what to do and how to do it. Wow. That was so good. Thank you. I was blown away by like Yeah, I liked what you said about how a lot of this seems unattainable. I mean, I know when I was growing up, I thought investing was something only the rich people did, but like you said, you can start with a dollar, you can start with $10. What are some other things that you think people think, oh, it's only something the rich do, but they can actually be doing every
day in their lives? So, it's funny. So I grew up with my grandparents and about 15 years ago they moved back to Punjab, India and about a month ago they moved back to America actually to New York which is one of the reasons why I'm here and I was spending time with my grandfather last night and I talked to him you know we talked about a bunch of things and you know he doesn't really understand fully what I do but he knows that I talk about money and education which he's very impressed by because he grew up through a very different level of poverty that is hard to explain and the reason why is because he was a refugee. Both my par my grandparents were born on the west side of Punjab. So in 1947 my home state of
Punjab was severed by the Indian government and if you were sick which is a religion that I am and you lived on the west side you had to migrate east otherwise you were going to be killed. and he was on the west side. And so he literally lost everything he had. Lost his home, his land, he lost his friends, he left his family, he left his everything that he had. All he had were the clothes on his back and a sword in his hand and that was it. And coming across, he like many others got attacked by a mob. And so he had to literally fight for his life. and he saw his uncle get killed right in front of him during that attack but then made it to the east side and along the way he lost his shoes
and he describes it in a really funny way but he's like you know I it was just so hard and tiring I just like somehow lost my shoes along the way and then made it to the east side of India had no shoes no place to sleep no home no food to eat nothing and what he says is during that time the level of poorness that I faced there was no concept of trying to feed somebody else. My only focus was being able to take care of myself. And so one of the biggest diseases that he says is that level of poverty, poorness, because when you're that level of poorness, poverty, you can't help others. The only thing you want to do is take care of yourself. And so yesterday I was asking, I was like, you know, when you were growing up, was
there ever a concept of investing? He said, yeah. And I said, you know, was it available for regular people? said, "No, investing was for people who were rich. Regular people didn't even know what the concept of investing was." And um I asked him, "Did you ever invest your money?" And he said, "Yeah, you know, as it started to get settled, they told me that I could buy these things called shares." And I bought some of them. And I don't know what happened to them. Like he bought the shares. Like he has no idea if they made money, lost money.
Like it was money he put into quote unquote shares, never saw that money again. And so you talk about is there anything now that people think that wealthy people can do or only wealthy people can do but regular people cannot. Yes. Because that time is different where our parents' time or grandparents' time where investing your money was reserved for only a certain class of people. We don't live in that generation. Like if you have the ability and means to watch this and understand what we're saying, you're very blessed and you have all the tools that you need because now either you have access to a phone or a computer, which means you can download some apps on your phone. And so now if you want to invest in the stock
market, there's so many apps out there. Uh you can watch some of the videos on my channel. I know you've talked about some before, too. I mean, there's so many. If you want to invest in real estate, but you don't have the means or want to go out and invest in rental properties because you don't want to deal with tenants because that can be a big pain in and of itself, well, there's crowdfunding apps that make investing in real estate so much more accessible. If you want to invest in startups, you watch Shark Tank and you're like, "Oh, I want to invest in startups, too." Well, there's crowdfunding sites that will allow you to invest in startups, literal startups that are looking for cash. And
now you can invest in these startups or I think the minimum is like a $100 but you know very small amounts of money. Uh it's highly risky. Many of these companies will go bankrupt but you have the potential to now see huge returns because if one of the companies you invest in goes public or gets acquired you can see a massive return on your money but again high risk. You can invest in gold passively. Like I invest in physical gold. I do it completely passively where every month some of the money leaves my checking account and is automatically buying me physical gold. So there's really no excuse anymore where accessibility is not a reason for why we cannot invest because the dollar
amount is so low where if you have $1 you can start investing your money and now if you have access to technology to listen to what we're saying you can go out and start investing your money. The last factor now that's missing is the education side because when you're in a growing market, everybody is a financial genius because now you can put your money into anything you want and you're going to make money and everyone's going to look at you like, "Oh, you're a financial genius. Just go on to Reddit and start posting about your stock games and people are going to be very excited." But now when you start to go through slowing economic cycles and downward stock market cycles, this is
where now you start to see who is a real investor and who is a not so real investor. Because real wealth, I'm talking about real wealth is built in silence. While that short-term wealth, the flashiness, that richness is very loud. And people like to be loud and flashy, but that's not how the real wealth is built. Now, the nice thing though, and this is one of the biggest blessings ever, is that this financial education is now so much more accessible than ever thanks to YouTube for decentralizing education because I was never exposed to this type of education. Like, my parents are not investors. When I wanted to invest in real estate, I had read a few books about investing in real estate. And I'm a horrible reader. Like,
English is my second language. I'm not the best reader. I'm very slow at it. But I started reading books because I was so interested by and I started listening to these uh audio CDs. That was how I learned. And then I went out and I just did it and I made a ton of mistakes. But now if you want to learn how to invest in real estate, you just go on to YouTube, search real estate investing, and you can see real estate investors walking through their deals. Like on my channel, I walked through my worst real estate deal ever. Talked about every single mistake that I made. It was the most painful deal that I've ever done. and it's the only deal to date that I've ever lost money on and you can watch it for free. And so the
accessibility factor of learning is so much easier because before if you wanted to learn how to invest in real estate, you'd have to at the very least go out and buy a $25 book. So it means you got to go to the bookstore, buy a book, and then you got to read it, which is tough. I mean, it takes time and it takes a lot of dedication as opposed to going to YouTube and watching a 25minute video, which can teach you a big chunk of what you're going to learn in the book. Now, of course, there's value for books, there's value for classes, there's value for videos, there's different levels of type of education that you can get, but that level of education is so much more accessible now where, you know, you say
what do people think is only reserved for wealthy people? Well, there's a lot of pe things that people think are reserved for wealthy people, but now because of the education, everything is so much more accessible where if you have the drive, you have the mindset, all the tools are on your fingertips. And now it just requires you to go out and take the action and believe is possible for you. The way you build wealth in the stock market is not by chasing hot stocks. It's through what I call ABB, always be buying. And I just wrote a brand new book called ABB, Always Be Buying, how you can build wealth in any market, where I break down the exact strategy of how you can build wealth in the stock market and turn your
extra money into income or more wealth. That way, you can now use the stock market to build wealth. And because you're watching my video, I'm going to give you a digital copy of my book completely free. I have that link for you if you want to download it down in the description below. And when you sign up for the book, you're also going to get access to Market Briefs, which is my newsletter for investors, completely free, where my team is breaking down what's happening in things like the economy, housing, stocks, crypto, and global markets. It's read by hundreds of thousands of investors every single morning. So, if you want to get my ebook and market briefs all for free, all you
have to do is sign up, and I have that link for you down in the description below. [clears throat] The reason why I call myself the minority mindset is because I say all success starts with your mindset. If you don't believe you can do it, I 100% guarantee that you're not going to be able to do it. I mean, there's there's no other way. But if you believe you can do it, if you have the right mindset and then you're willing to put in the work to learn and you're willing to make mistakes, you're willing to take a risk, nothing can stop you. It might take some time. Like it took me a solid decade to figure out how to do it, to build a business, to invest my money the right way, to really build wealth. It took
me a solid decade, which sounds like a lot because we all want to become rich tomorrow. But if you're willing to put in the work, nothing can stop you. And this is where, you know, understanding that the real long-term game is a long-term game. The real wealth is built in silence. and you just keep learning, putting in work, and then if you look back six months, you'll be surprised by how far you've come. And then you look back two years and you can't even recognize how far you come. And then you look back five years and it's a completely different life. But it requires that first step. And you're not comparing yourself to somebody at the finish line. Just look at where you are and see where you want
to be and just keep making small steps forward because the accessibility factor is there where we have never been able to access this level of research, education and tools to do the things that can make regular people wealthy but now it requires regular people to go out and actually do it. Yeah. You spoke about the minority mindset, which by the way, since I first discovered you years ago. I've always loved that and the meaning behind it. What is the majority mindset? So, the minority mindset, we'll start with there, and I'll explain the majority because the minority mindset has nothing to do with the way you look, your ethnicity, or skin color. It's the mindset of thinking differently than the
majority of people. So, what is the majority mindset? Well, the majority mindset is what most people are doing. And the way I like to say it is if you're doing what everybody else is doing, 80 to 90% of the time, you're doing something wrong. You could be more efficient doing something better, doing something more fulfilling, doing something that makes you more happy if you do something a little bit different. Because most of the times we build a box around ourselves. We create these invisible boxes around ourselves and our minds where we think this is how life is supposed to be. You're supposed to go to school and get a good job. You're supposed to then put aside 10% of your income for your savings. You're supposed
to be miserable because everybody complains about their job. You're not supposed to travel that much because who travels for 6 months out of the year? You're not supposed to be able to do this and have this nice car because that's only for certain types of people. We give ourselves these invisible scripts, these invisible scenarios where we tell ourselves this is how life is supposed to be because that's how it's always been done and this is what everybody else does. But if you keep doing what everybody else is doing, you're going to end up just like everybody else, which the majority of people is broke, miserable, unhappy, and
not fulfilled. So if that's not what you want to do, you can't keep doing what everybody else does. And it sounds mean like just do you why would you say that the majority people are broke and miserable? Look, statistics. There was a new study that came out, I think it was yesterday, that 61% of Americans are now living paycheck to paycheck. Now, there's always varying statistics where sometimes it's 61%, sometimes it's 69%, sometimes it's 72%. But we know the majority of Americans are living paycheck to paycheck. We also know that the majority of Americans have less than $1,000 saved up for an emergency. So, more than 50% of Americans have less than $1,000 saved up. 50% of Americans have zero
investments at all. That means no IRA, no 401k, no stock market investment, no real estate investments, no gold investments, nothing. Half of investments, half Americans have no investments. We also know that half of America is not happy at their jobs. Actually, more than half America, I think it's about three4s of Americans are not happy at their job. This might be a pre- pandemic number, but I would bet that even today, the vast majority of Americans are not happy at the job. We also know that the vast majority of Americans are not happy with their lives. So now if you look at the statistics, the majority of people are not happy in many different aspects of their lives. Yet you want to keep doing
what everybody else does just because that's the system. This is where it's like, come on, think about that for a second. If you don't want to be like everybody else, you can't keep doing what everybody else does. But the issue that I have with the traditional school system is that many of us are told what to think as opposed to being told how to think. And the reason why this is so important nowadays is because education has become so much more accessible thanks to YouTube and podcasts. And so if education is more accessible, now we can learn whatever we want. Many times we don't know how to think and we don't know how to learn because you know social media we've heard of these rabbit holes. There's there's documentaries on
this where if you watch uh anything on social media whether it's finance, whether it's uh your diet, you start to go down a rabbit hole where social media is going to show you more and more of the same thing. And this is good if you're learning something good and healthy, but it can also be bad if you're learning something that's not good. Because now you start to think that anybody who thinks differently than you is wrong, stupid and dumb. And you start to get immersed into this whole lifestyle of thinking that this is the only way to think. But that's not how you learn because true intellect is being able to understand both sides and then find where along the spectrum you
lie. And so this requires you to now learn. So what does that mean? You learn things that make you feel uncomfortable. When you look back at your childhood and your formative years and your young adult life, what do you look and say, "Wow, these were defining moments that really formed my mindset on money and my values around money." So, when it comes to money particularly, I think there's two different aspects. one is the earning side and one is more kind of like now the investing side because growing up I always wanted to help my parents. I love my parents to death. They are huge supporters of me now. Uh but I always wanted to help them. And so when I was a kid I wanted to uh earn money. So the first thing I
did I was probably 10 years old. I started mowing my neighbor's lawns and my parents stopped me. They said don't do that. focus on studying so you can become a doctor one day. So I was like okay like you know kind of starts building this question of you know are we working for money? Why are we working for money? When do we work for money? And then I became a paper boy. I earned seven cents a house. So I would deliver uh 100 papers every Wednesday and earn $7. And I was discouraged from doing that but I did it anyways because I knew this is what I wanted to do. And then as I started to get a little bit older, the things started to get a little bit more serious on the earning side where I
started to play this drum, Indian drum called a toll at weddings, Indian weddings. And my parents were really not for that. They wanted me to focus on my studies and stop doing these like other fun whatever hobbies that I was doing. But that really was a major turning point for me because when I started playing this drum, I got to meet a lot of local Indian DJs and all of us were like this kind of like little group of hustlers trying to figure it out and we had the idea to start hosting teen parties for kids in my high school. So now I was 16 years old. We made a deal with one of a local Indian restaurant that was looking for exposure and we said that we would start hosting teen parties here. I'd promote it to my
friends in my high school. My DJs, they didn't charge me to perform there. And now we started a little side hustle and I were hosting teen parties and making a little bit of money. And I thought it was a hobby because I was like, you know, what am I going to do with this? I know I got to become a doctor. This is just for fun. So it ends because now I got to go to college. I go to college and I don't know what to expect because my parents didn't go to university here. I think everybody goes to college to study hard and become this, you know, professional in college. And I get there and I don't know what to bring. I brought like five things with me. I know it was a microwave. It was a
sleeping bag. It was like my backpack and two other small things. I didn't have a towel. I just kind of dried off like this. And I didn't even have a blanket. I literally slept in a sleeping bag for the first however long when I was in college because I don't know what to bring. And I get there and everybody around me is partying, drinking, blowing money that they don't have. And I was mind blown. I was like, "Where do you all get this money? And why are you spending it all on alcohol?" Like, it just didn't make sense to me. And I don't drink. I never drink. I don't smoke. I never smoked. it just wasn't my scene. But I still needed something to do on Friday nights. So instead of now
going to the parties, I was like, well, why don't I bring this teen party idea back into college? And so that's what I did. I started knocking on the doors of a bunch of clubs, venues, restaurant, bars on campus. And some of these restaurant owners, bar owners, club owners would say, "Yeah, you need 10 grand to host a party here." I said, "Well, I don't got 10 grand." And you keep going, right? You learn to kind of talk to people. And eventually I found this club that said, "Yeah, you can do a party here. we're not going to charge you a penny. Just give us half of the cover charge, half of the revenue that you bring in. I said, "Okay, that works.
Now we're in business." And that's how I started now, my college event planning company. And that gave me some cash now in my bank account because we grew pretty big. It took some time to get there, but eventually I was contracted by one of the biggest clubs on campus. This is Inn Arbor. I went to the University of Michigan to host their college night every week. And on top of that, I would also host my own um monthly events and I was also hosting concerts. I was hosting some shows and officially after parties. Like we grew pretty big in the four years that I was in college and I started making some money and that money now was sitting in my bank account. I started reading business books and I'm studying for the
MCAT and that's when also real estate prices happened to be at rock bottom after the 2008 crash. And I started investing in real estate when I was in college. I was 19 years old. I took me M my MCAT on August 22nd and August 23rd I closed on my first rental property. Investing your money is hard and on this channel I teach how you can start investing your money yourself. But for some of you working with a financial adviser, somebody who is a professional will be a better option because now it's more hands-off and you can work with a professional who will manage and invest your money for you. And that's why I partnered with my sponsor Money Pickle.
The reason why I like Money Pickle is because first they get to know you and what your needs are and then they match you with a vetted financial advisor who would be best suited for your needs and then they give you a free consultation call with the financial adviser. That way you can get a feel of the financial adviser and see if they're right for you or not. That way you don't have to go through a high pressure sales process with somebody who might not even be a good fit for you. If you're interested in learning more and you have over $100,000 in assets, the process is pretty simple. All you have to do is complete a short form. I have that link for you down in the description. It
takes a few minutes to complete and once you do that, Money Pickle will review your answers and then pair you with a vetted financial adviser who they believe is best suited for you. It's a completely free process. That initial consultation again is free. And then if you decide to move forward, then you can negotiate and discuss what your rates and terms look like with that financial adviser directly. So if you want help managing your money and you want to work with a vetted financial adviser, my sponsor, Money Pickle, can help get you paired up with a financial adviser at no additional cost. So if you want to learn more, I have that link for you down in the description. Now, it was a very
different time where it cost me $8,000. Uh that was the full price of the condo because I was, you know, we're in Michigan where the biggest economic drivers in our state were Ford, GM, and Chrysler. GM had just declared bankruptcy. Chrysler had just declared bankruptcy, and Ford was on the verge of bankruptcy. So, the real estate market was exceptionally hit hard. I didn't really understand what was happening. I can look back and tell you what happened, but the condo that I purchased was sold for 150 grand a few years prior to me purchasing it. And then I came in and bought it for 8 grand out of foreclosure from the bank. And now this is my first experience with any sort of like real investing, real passive
income. I was very fortunate, but when it took a lot of effort for me to get there because I knew a lot of people on campus who had way more money than I did, but weren't doing what I was doing. you know, whether it's because, you know, I was interested in this. I had that mindset. I was looking at things differently than the way they were, but it was just being able to capitalize on that opportunity. And so then you went to law school. Yeah. So I told my parents I didn't want to be a doctor and they didn't believe me. And then after a lot of fighting, a lot of arguing, eventually we came to a compromise. My parents said that if you want to maintain any pride in the
family, you have to at least become an attorney. I was like, "Okay." And I agreed to that because, well, one, it didn't seem like that big of a deal to me because I've always been in school, so I didn't mind school. I liked learning. But the best part about law school was that I knew you could do law school part-time, which meant I could work on my business and my investments and everything that I was doing full-time. So, I was like, "All right, let's do this." So, uh, I went to law school. I spent the first year, year and a half full-time while still working on my business full-time. So, it was very tough. But then the second half I did part-time and I was working on my
business um and everything else that I was doing. So, it was a unique experience because I knew I wasn't there to become an attorney, but I also didn't know exactly what I was going to do. And so in law school, this is where now I didn't put much focus into my actual law classes. I liked learning. I especially like the tax classes, the business classes because it was just something that I could relate to. But I knew I wasn't there to become an attorney. Now, it was stressful because, you know, I said like I didn't know what I was going to do. So I would have a lot of nights where I couldn't sleep. I had a lot of anxiety because I didn't know what I was going to do. And I knew that if I couldn't
figure it out that I would graduate law school and look like a fool and have to start from scratch. And so there was a lot of nights where I just stayed up at night. And for me it became a big motivator because now I was working all the nights that I couldn't sleep. So I'd work early morning. I'd work late at night. I mean all I did was work and I spent as little money as possible. Like I was making good money. I was making six figures but I was spending nothing. Like my rent was about $400 a month. It was actually it was under $400 a month and that included all of my utilities. And the reason why is because I didn't even have a room. Like I slept on the living room floor. I would drag a
mattress down into the living room in the evenings, put down the sheets, go to sleep, wake up, fold the sheets, put them on the sofa, and then pick up the mattress, put it in the living room, and go out and study and work all day, and then come back and just go to sleep. So I mean I created this environment where there was nothing else like all I did was work and study and every dollar that I had saved I was putting back into me. Either I was investing it into something like real estate or I was taking this money investing it back into my business and my own education. So I was really putting every penny and every minute that I had back into myself because I
knew I needed to do something and I was going to do whatever it took. Then I graduated law school and I was never worked a day as an attorney. And uh so it was kind of like a you know for me it was one of those things where I became an attorney. I gave my parents a degree the degree that they wanted but I never worked a day as an attorney. But it was just um one of those things I did because that's what I thought I needed to do to become successful. Do you feel like it was worth it? I mean you spent all these years going to law school. I'm sure tons of student loans or you fronted the money up. So, I was very fortunate that I didn't have to take out any student loans because for
one, I had a huge scholarship and the second part I just paid um with cash whatever I had to pay for. So, it was I mean it wasn't that much out of pocket and my rent was super cheap. So, my cost is super low. Uh but the time if I didn't go to law school, yeah, I would have worked on my business even more. Maybe it would be a little bit further, but I met some really cool people. Um and uh now I get to say that I went to law school but never worked as an attorney. If you've been trying to figure out what business you should start in this economy, in this video, I'm going to show you five different business ideas that you can start this weekend, even if you don't have a lot of
money. Now, here's the thing. Every generation goes through a major economic shift, which creates new business opportunities. In the 1800s, it was railroads. This was the first time that people were able to move easily from one
