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The stock market just had its worst day in years. Right after the market had its best day of 2026. And now the question that worries every investor: what happens next? And is it worth buying the fall now, or is it better to run away? There are two camps now. Some say: buy back the fall. Every time the markets have fallen sharply, it's been a great long-term buying opportunity, because right now people are panicking because they think the Democrats are going to over-regulate AI, but that's just a momentary reaction. Buy back the fall. On the other hand, there are people who say that this time things are different. Why? Because in the past, the Federal Reserve has always bailed out the stock market, but now they can't do that. We
have high inflation. We have over $40 trillion in national debt. So the Federal Reserve cannot pump the market, as we have seen repeatedly, because we already have an inflation problem. So don't buy into the fall. In this video, I want to delve into the topic and help you understand what's happening in the economy and what to expect so you can be a smarter investor and not react hastily like most people, because emotions are the enemy of returns. As an investor, you want to understand where your money is going. So in this video we're going to talk about where the money is actually going, not just what's in the headlines. So, let's figure it out. Of course, investing has risks. You never have guarantees of profit when you invest. Be sure
to do your own research and never blindly trust random people on YouTube. By the way, today AI is a great tool to help you research your investments. If you're not already using ChatGPT, Claude, Gemini, or another tool-start using it. It's almost like having a Wall Street analyst at your fingertips. Just learn to do it right. That's why on November 17th, I'll be hosting my first free live stream, where I'll show you how my analysts and I use AI tools like ChatGPT and Claude to better research investments, find better data, and find better stocks. Because if you know how, you'll not only get better analytics, you'll also find better investments. And if you don't know how to do it, you can make bad investment decisions, and
you definitely don't want that. It's a free live stream on November 17th, and as an added bonus, if you join the broadcast, I'll give you a set of tips. These will be the 10 AI prompts that my analysts and I use. You can simply copy and paste them into any AI to get better answers. You'll get it for free if you join the broadcast on November 17th. I will be hosting it twice on November 17th: in the morning at 10:30 AM Eastern Time and in the evening at 8:00 PM Eastern Time. The number of places to participate in the live broadcast is limited. There is a lot of interest in this. So if you are interested, please register
as soon as possible. The registration link is in the description below. Let's figure out what's going on, because on the one hand, people are saying that the Federal Reserve can no longer save the stock market. What does this mean? Well, if you look at the history of the last decade and more, every time we've seen a market downturn, the Fed has stepped in to try to stimulate and save the stock market. You can remember 2020. The pandemic began, the stock market fell sharply. We saw the fastest market crash in history, followed by the biggest rally in history, all in one year.
What happened? The Federal Reserve turned on the printing press and inflated the stock market. Let's go back to 2008. The stock market fell by half, and the economy was rapidly spiraling downward. Stocks were hit hard. But a little over a year later, the stock market turned around, went up, and eventually began to renew all-time highs. What happened? The Federal Reserve printed money. They lowered interest rates. They pumped money into the stock market. Let's go back to 2000, when the dot-com bubble burst. What happened? The stock market was falling rapidly. The economy was in decline.
We have entered a recession. Internet companies have suffered serious blows. Then the Federal Reserve injected money. They lowered interest rates, which subsequently boosted the economy. Yes, internet stocks took time to recover, but historically we have seen that the Fed has usually intervened by printing money or lowering rates to stimulate the market in one way or another. But all the previous recessions and downturns we've seen have had something in common that's different from what we're having now. There was never any concern about inflation at the beginning of the recession If we look back at 2020, inflation fears arose after the Federal Reserve Bank started
printing money. Let's go back to 2008. Inflation fears arose after the Fed began quantitative easing. Let's go back to the year 2000. Inflation fears arose after the Federal Reserve began stimulus. Now the problem of inflation, which we experienced in 2021, 2022, 2023, and now again in 2026, remains relevant. People see the prices of goods rising. This is partly due to all the government spending. This is partly due to higher oil prices. This is partly due to customs duties. So, now we are in a situation where inflation is already a problem. The prices of things are already rising faster than people's incomes. People
can no longer afford a normal life. And the Federal Reserve Bank has pledged not to support the economy artificially. This is what the Federal Reserve said at its last meeting: we are now obligated to defend the dollar, which means in simple terms that we will not print money and inflate the stock market. We are going to try to cool the economy to protect the dollar. Well, we're now in a situation where the Fed is saying it won't try to stimulate the economy. We are going to save the dollar. So, now we have a lot of confusion in the economy. What kind of confusion is this in the economy? I
just made a video about this, but let me break it down very specifically. Our economy is based on spending. The biggest spender in our economy is not me or you. This is not Nvidia, Tesla, or SpaceX. This is the United States government. And the government spends a lot of money. What do they spend money on? Well, they spend money on defense. They spend money on infrastructure. They spend money on healthcare and a million other things. And the government is spending a lot of money that they do n't have. That's why we have a $40 trillion national debt, because we keep spending money we don't have. On the one hand, it's good for the economy because it means more people get jobs. This means that more contracts are being signed. This
means more businesses are receiving money from the government. This contributes to economic growth. But on the other hand, it causes more inflation because the government has to work with our central bank, the Federal Reserve, to print money to finance everything the government doesn't have the funds for. So when you print money, the value of each dollar falls, which causes the prices of goods to rise. So, when the government spends money, it causes inflation, which is bad, but at the same time it stimulates economic growth, which is good. The reason this is so important right now is because, aside from the United States government, the industry that currently underpins our entire economic system is artificial intelligence.
If you feel like things aren't going well in the economy, even though all the news says the economy is booming, the job market is strong, everything is growing, and the stock market continues to soar, then the reason for this is artificial intelligence. All the money was directed into the field of AI. If we look, for example, at the S&P 500, a group of the 500 largest companies in the stock market, almost until recently all reports indicated that the stock market was hitting record highs. But 80% of the S&P 500 index, which is over 400 stocks, because it's a little over 80%, are in a correction zone, meaning they've fallen 10% or more. So we have a situation where the S&P 500 is hitting record highs, but most
stocks, over 80% of them, are down 10% or more. This is the kind of economy we find ourselves in: on the one hand, the snapshot shows that our economy is booming, but if you dig deeper, it becomes clear that it is thriving on paper only because artificial intelligence supports the entire economic system thanks to the huge amounts of money invested in it. Now, what happened? We saw that many Democrats retained their seats in the midterm elections. Why does this worry people? Because Democrats are generally less supportive of AI and data centers.
Investors believe that increased regulation will make it harder to invest more money in AI development and data center construction. So investors are worried: oh no, we're in an economy where we might have an AI "bubble." And the needle that usually pierces AI "bubbles" is higher interest rates. This is exactly what we have seen throughout history, because although history is not repeated word for word, it often rhymes. The needle that burst the housing bubble in 2008 was the Federal Reserve raising interest rates to cool the market. These higher interest rates led to a crash in the real estate market. In 2000, higher interest rates were also the trigger that caused the dot-com crash. In the late 1990s,
company valuations skyrocketed because there was too much money in the system. So, to cool the economy, the Federal Reserve raised rates in the late 1990s. And this became the needle that punctured the dot-com bubble in 2000. Today we found ourselves in such a situation again. The Fed is raising interest rates because we already have an inflation problem. Huge funds are being poured into the artificial intelligence industry. So the Fed started raising rates and announced plans to continue doing so in 2026, perhaps even 2027. Investors were already worried that higher interest rates could hurt AI. And now new opportunities have emerged. Again, nothing has been signed yet. New potential regulations that could
complicate the flow of capital into AI. And this is what has made many investors worried about artificial intelligence. Should we continue to invest money in this? This is one of the reasons why we are seeing such a sell-off in assets. Now we see many different experts talking about AI. Some say there is no such thing as an artificial intelligence bubble. I want to be completely honest with you There are people like President Trump who say there will be no AI bubble because the US will win the race in this field, and the government will invest as much as it needs to win. On the other hand, there are people like Michael Bury. Michael Bury is the same man who predicted the housing market crash of
2008. They even made a whole movie about him called "The Downgrade Game." He argues that no, we have a big AI bubble. I quote: "One of the most common types of fraud in the modern era is AI accounting." What does this mean? The AI system gives the impression that a lot of money is pouring in, and it really is. But this is a financial vicious circle. And this is something new. This is different from what we saw during previous bubbles. And circular finance works like this: there are companies like Nvidia that make huge money. And what do they do? They take this money and invest it in companies like OpenAI or ChatGPT.
What does ChatGPT do when it receives investment from Nvidia? They take Nvidia's investment dollars and use them to buy Nvidia chips. So it's this same cyclical funding that Michael Bury was talking about that creates the problem: if there's a downturn in AI , it's going to have a domino effect through this cyclical funding, because there's not a lot of external funding coming in, it's the same companies just passing money around to each other. And if one domino falls, the whole house of cards will begin to collapse. This is a warning from Michael Bury. Of course, we don't know exactly what will happen. I want you to understand both sides of the debate, but the concern is that if there is an AI bubble, then
higher interest rates are putting pressure on it, and now these regulations could put even more pressure on it. But then again, nothing has changed dramatically in the last 48 hours, except for the fact that new people have been elected to Congress. There are no new regulations. There are no new changes. It's just that people are starting to worry about what might happen because to an investor, the stock market is not the economy. The stock market is a reflection of where people think the economy will go in the future. When you believe the economy will grow, people buy more stocks. When people believe the economy will fall, they usually sell stocks. And that's what creates this impulsive reaction, and people are worried
because, well, AI stocks have gone up a lot in the last few years. They grew and grew. And we're starting to see some concerns about AI stocks, not necessarily in the United States, but around the world. The Chinese AI "bubble" has burst. Chinese AI stocks have fallen 40% in the past few months. In South Korea, their AI "bubble" also burst, leading to a fairly significant drop in their AI stocks. And since then, investors in America have been a little nervous about AI because they've seen what's happening overseas, and now they're watching what's happening here in the United States, because of higher interest rates and now the midterm elections, which has caused some of the downturn. We've also seen certain
companies like Google, Alphabet, which is its parent company, report that they're not only making less money from their core business, but they're also spending so much on AI that they 've spent all of their free cash flow on AI, hoping it will make them a profit. And investors say it's risky. This is what caused Google's stock to have perhaps its worst day in history. The same thing happened with Intel. Intel has received investment from the United States government. Yes, the United States government invested your tax money in Intel stock. And we just saw Intel say they're concerned about artificial intelligence.
We're worried about how much we'll make from AI, which is why Intel's stock has fallen, experiencing one of its worst days in history. When you start to add it all up, people start to get a little nervous. But then again, is this the AI bubble bursting? Nobody knows this. In hindsight, we are all wise. My goal is not to tell you what to believe. My goal is to help you understand what is happening and find opportunities. So now the question is: what should you do? Should you go in and buy on the dip right now? Should we just wait on the sidelines? Or do something else? And this is where I want to share my thoughts with you. As an investor, I can't tell you what to do because, of course, I'm just a random guy on YouTube. Investing
involves risks. You are never guaranteed to make money when you invest. In reality, you are bound to lose money at some point, so always do your own due diligence and never blindly trust a random guy on YouTube. Again, I strongly advise using AI to assist in your analysis. If you're not using it, start, because it's very powerful and can help you think through your investment ideas, plus AI tools are relatively cheap. These can be done for free, or they cost around $15-20 per month. And if you haven't yet registered for my stream on November 17, the link to it is in the description. So, option number one is to buy on the dip. The idea is to buy when everything is cheap, and yesterday we saw a big sale.
In general, as we have seen, people who buy on dips have generally made money throughout history if they chose good investments It was a wonderful philosophy. Option number two-wait and see. Now let me tell you about my basic investment philosophies. I have three philosophies. First: the way to build wealth for an investor is what I call ABB. Always be buying. You set up a system to buy a broad market, such as the S&P 500, weekly, biweekly, or monthly. You set it up, forget about it, and never touch it. It doesn't matter if you're experiencing a market crash, whether the Democrats won or the Republicans won, whether it's raining or
sunny. You should always buy, regardless of what is happening in the markets-whether they are rising, falling, or stagnant. That's how you build wealth. This is a proven system. This is the first step number two-how to accelerate the growth of your wealth? The first way to accelerate wealth growth is to take advantage of market crashes. I call it the acronym P.O.O.P. (PANIC-OVERSOLD-OPPORTUNITY-PROFIT). Panic leads to overselling, leads to opportunities, leads to profits. This is a proven wealth creation strategy because if you bought stocks during the 2020 pandemic, during the 2008 crisis, or during the dot-com crash in 2000, you bought stocks very cheaply.
And you were able to grow and accelerate your capital very quickly due to panic and overselling. But you have to be patient. I always recommend keeping cash in case of a recession so you can use it when it happens. The third way, the third philosophy, through which you can also accelerate wealth creation is what is called market shifting. Market shifting is about identifying where the money is going and investing your funds in the industry where that money is going. So, if you see money moving into a certain AI segment, you can invest there, because as an investor you want to invest where the money is moving. So what does this mean now?
Remember: there have been no significant changes in the economy over the past 48 hours. It's only people's perception of what's happening that changes. And the question now is what kind of investor are you? If you want to be a passive investor and not worry about things, then don't even worry about what's happening with tech stocks, just keep buying the market every week, every two weeks, or every month. Now for those who are a little more involved: this is where you will have to make a more balanced calculation. And here is the reality. Overall, buying on dips is a great strategy. I love this strategy. This is what I constantly try to do. But now, when the technology sector is experiencing
such rapid growth, it is worth being careful not to invest all your money at once, because there is a chance that these stocks could fall much more sharply. In China, we saw technology stocks fall by 40%. During the dot-com bubble burst in 2000, internet stocks fell 78%. So what if we see a bigger downturn, and you put all your money in when the markets fall 5-6%? Then you will miss a much more profitable opportunity. So now what if you want to start buying on a dip, get into the market and actually do it? The thing I like to talk about is that you have to have clear parameters. The first thing you need to do is know what exactly you want to buy. Do you have individual stocks you want to buy? Are there any ETFs you would like to
buy? Or what exactly should it be? If you are going to buy individual stocks, understand that this is the riskiest. That's where the greatest profit potential lies, but also the greatest risks. Therefore, the first task is to conduct research and analysis. Don't wait for the markets to fall to start analyzing what you want to buy. You should make a list of what you want to buy. Prepare a list of ETFs or stocks you plan to buy in advance. Start this research right now. Make your wish list. What do you want to own? With such a list, you already know exactly what you want to buy. You just need a good price. This is where you can build a system where, when you see prices falling, you can go in and
buy. And when you see them falling even more, you buy even more aggressively. I call this "trickle" investing. This is different from ABB. ABB is an automatic system. You just automatically buy something like a broad market every week, every two weeks, or every month. You don't touch this. This is a way in which you try to accelerate the growth of your wealth. It's riskier for the greater potential return, but you don't know how low things can go. I will give an example of 2020, because this is one of those situations where no one knows what will happen tomorrow. I can't come here and even try to pretend I have a crystal ball. I have no idea. But in 2020, when the market started to collapse, I was making videos. My videos say that I have no idea what
will happen tomorrow. I'm buying. Whenever the markets fall sharply, I buy a little more. So I buy incrementally during the decline, and every time the markets drop another 10%, I go in and buy even more aggressively. So I just set this threshold. Every 10% I go in and buy even more aggressively. These are larger amounts every time the markets go down. So I'm not putting all my money in right now. I invest money in stages, and as the markets fall, I enter and buy even more aggressively , the lower they fall. So if the markets fall even lower-great. I buy more at an even better price. So that was the system I set up for myself. And I made a video talking about how I buy and buy more when the markets are
falling. And I was getting a flood of comments from people who were essentially saying, Jaspreet, the economy is collapsing. Why are you buying now? Wait until the markets crash. It will get much worse. Everything will explode from within. The world is coming to an end. Don't buy. And you are right. Nobody knew what would happen. Remember how things were in 2020. People panicked. We had no idea what would happen next. And I've been in the financial sector for a long time. I run a fintech company. I have analysts, very smart investment analysts, who work for me. We study a lot of financial history, and the one thing we couldn't have predicted was the
extent and speed with which the Federal Reserve intervened and saved the economy and the stock market. I mean, they caused a lot of inflation problems, but they pumped up the stock market. No one could have predicted this. So now we're here today, and we're starting to hear that things are different this time. Now, to be clear, this phrase "this time it's different" has been said during every market downturn. This was said in 2022, 2020, 2008, 2000. It's different every time. But what we've seen over the long term is that in any long-term period of the economy, if
we look at any 15- or 20- year stretch of the stock market, it's been going up. So if we assume that history is an indicator of the future, we can understand that markets will rise in the future. The second part is that we can assume that AI is not going anywhere. Point. In 5 years, AI will be more widespread than it is today. In 10 years, AI will be more widespread than it is today. It doesn't matter what laws you pass. AI will develop, more businesses will use it, more people will use AI. AI will become smarter and play a bigger role in people's lives in the future than it does today. It's like the internet in 2000. When the dot-com bubble burst, people said the internet was over, that it was just a fad and no one
would use it anymore. Well, they were wrong. So AI will never stop. This will not happen in the near future. So, we know that AI is not going anywhere. We know that markets are generally growing. What you need to do now is own market share, and I won't say what share to buy, but you need to own assets and buy them when they're cheap. That's how you create wealth. And as a long-term investor, you should own them for the long term, not just trade them. Because the reality is that we don't know how long it will take for markets to grow. You can watch this video when the markets are booming again. Or when they fall again. I have no idea what will happen tomorrow.
Nobody has. Anyone who claims to have a forecast is lying to you. All you need to do is save more and hold assets for the long term, because I can tell you for sure: in 5, 10, 15, 25 years, the markets will continue to rise. How long it will take-we don't know. Whether the Federal Reserve will step in, printing money and stimulating the economy- we don't know. We don't know what the government will do. There are many unknown factors, but we do know that as an investor you want to own a piece of the economy. You want to own a share of the markets, and when the markets are generally down, that's usually a good buying opportunity. We just don't know how low things can go. So as investors, we have seen that a
strategy that works well throughout history is that when markets fall, it becomes a great buying opportunity, but we don't know the depth of the fall, so it is always worth having funds set aside for investment and gradually buying assets during the fall. You might ask, "Jaspreet, what stocks should I buy?" Well, here's the thing. This is a very difficult question to answer because I don't know your goals. Are you a growth-oriented investor? Are you an income-oriented investor ? Or do you just want to protect your capital? This is where the research and work begins. And look, there are many ways to get broad access to AI and technology. For example, again, I'm not telling you where to invest: QQQ is an ETF that gives you access
to the Nasdaq 100. This is a group of the 100 largest companies on the stock market that are not in the financial sector. So these are mostly technology companies. This ETF falls sharply when interest rates rise. This ETF drops sharply when people get worried about AI. This ETF falls sharply when people get worried about technology. But if you want broad access to technology, this is the ETF that will provide it, because not all technology companies will go bankrupt. What if we enter a recession? What if we see the AI bubble burst? Yes, some companies will fail. Yes, some companies will go bankrupt. You can try to choose the best company or simply invest in a broad fund. Now there are AI funds, robotics funds,
semiconductor funds, data centers-there are many different types of funds. But if you just want broad access to technology, there are ways to get it. But just understand: investing in something like QQQ, you get much more volatility than you get with the S&P 500. The S&P 500 has grown more slowly than QQQ over the past few decades, but QQQ falls much more sharply during market crashes. It falls more when markets are down, but also rises more significantly when people are optimistic about the economy and technology and expect inflation.
The reality is that inflation is usually good for stocks: when money is printed, it enters the economy and then into the hands of investors, because that's how our economic system works. This money printing makes investors richer. So what does this mean? We don't know what will happen. We don't know where the markets will go today, tomorrow, next week, next month, or next year. But we know that the economy will continue to grow in the coming years. There may be years when markets fall and the economy declines. We have already seen this happen in the past. The Federal Reserve may not have the same resources to keep printing money, because we do
have an inflation problem. The Fed may not be able to lower interest rates. The Fed may have to continue raising rates, which hurts the economy and hurts the AI industry even more. So we don't know where things are going to go, but we do know that in the long run, stocks are going up. We also know that AI is not going anywhere. So when you understand those two things and realize that panic leads to overselling, which in turn creates profit opportunities, you as an investor can start to analyze that and say, "Okay, when people are panicking, this could be a good buying opportunity." This doesn't mean I need to come in and invest all my money today, but it might be worth considering investing. And if the markets fall even lower, I can come in and buy even
more. This is what I call gradual investing. Again, I don't recommend that others do the same thing I did. This is just my approach because as an investor I don't know where the markets are going to go, but history has proven that if you buy assets in the broad market, then when you buy during a dip, you get a discount. When I first started learning about money management, I avoided using a credit card because I thought credit cards were something bad and evil. And then, when I realized that I knew how to spend money and wasn't going to spend money I didn't have for the sake of bonuses and points, I realized that I could get more cashback, bonuses, and points simply by making regular transactions with a credit
card instead of a debit card. That's why I've teamed up with my sponsor Finance Buzz to put together an article about some of my favorite credit cards. Now an important caveat. If you don't know how to manage your money, don't use a credit card. But if you're comfortable using a credit card, in this article with my sponsor Finance Buzz, I look at the best credit cards at different tiers. If you have credit card debt and want to pay it off faster, I'm talking about the best cards with 0% APR. This will give you the opportunity to repay your debt faster without accruing interest during the 0% APR period. I review some of my favorite cashback credit cards so you can earn more points and money back on your regular purchases. I'm
breaking down some of my favorite travel cards for those who travel more often and have a higher income. And then I also look at some of my favorite business cards. So, if you know how to manage money and are comfortable using a credit card, you can check out my list of the best cards in the free article linked in the description. So, in this video we talked about the fact that the stock market just went through a major swing. We saw that after the midterm elections, the stock market had its best day of 2026, and the very next day, its worst day in the last few years. And that's why people are worried that the AI bubble is bursting, and also fear that the Fed will no longer be able to bail out the stock market due to inflation. We analyzed
past experience: every time we saw a recession in the past, the Fed intervened, saving the stock market and the economy, making investors richer. But this time, things are a little different, because we already have an inflation problem, which makes it difficult for the Fed to print money, bail out, and " pump up" the stock market. At the same time, we also know that in the long term, the stock market grows. We also know that AI is not going anywhere. Now, if we put these two facts together, it means that we can expect a recession No one knows what tomorrow will bring, but if a recession does start, the Fed may not be able to pull us out of it, which means it could last longer than people expect.
If that happens, and the Fed doesn't help, there's a chance they'll still step in, say inflation is no longer a problem, and focus solely on rescuing the market, that's also a likely scenario, no one knows for sure. But if the Fed still decides not to intervene, it means we could see a deeper and longer recession. I repeat, we know that in the long term, markets are growing, and AI stocks are not going anywhere. So, what does this mean? Economic downturns create buying opportunities for financially literate people. But we need to be patient and understand that we don't know how long this may last. We also don't know how deep it might be. These are just the fundamental principles of investing. So, what do I do? I buy when markets
fall. And I buy incrementally when the markets fall even lower, because they actually didn't fall that much. If the markets fall further, you create a strategy: first, what exactly do you want to buy? And as the markets fall deeper, you buy more aggressively. Again, this is not an attempt to predict what will happen. No one knows what will happen today, tomorrow, next week, next month, or next year. But this is just the basic structure. Decide what you want to buy, set aside money, and when you see the markets falling, don't panic, but use it as an opportunity, because when everyone is selling, it creates great buying opportunities. If this video was useful to you, the best thank you
is a recommendation. So, if you can, share this video with a friend, family member, colleague, or other investor. This way we can continue to spread this kind of financial education. Thank you. For many years, AI companies have been overcoming all obstacles, and their stocks have been growing steadily, with no end in sight, and people say that AI stocks can't fall. Well, the AI bubble just burst. Not here in the United States, but in China, where AI stocks have fallen 40% in recent times alone.
