In personal finance, it’s common for people to focus on things that they can’t control, like trying to pick a winning investment, while ignoring the things that they can control, like setting the right goals and making a solid long-term plan, often leading to mistakes.

Some mistakes matter more than others, and the biggest mistakes can be the difference between living paycheque to paycheque for life and having a comfortable financial future. In this video I tell you about the biggest mistakes in personal finance, so that you can avoid them.

I probably should have included not paying off high interest debt. Pay off your credit cards!
——————
*Meet with PWL Capital* https://pages.pwlcapital.com/en-ca/contact-us?utm_source=content&utm_medium=youtube&utm_campaign=benfelix_yt

*Chapters*

0:00 Intro
0:35 Not earning enough money
2:20 Under-saving
4:20 Not setting financial goals
6:15 Over-spending (on the wrong things)
8:35 Not taking enough risk
10:38 Taking the wrong kind of risk
12:23 Missing tax planning opportunities
13:10 Ignoring estate planning
13:45 Marrying a financially incompatible spouse
14:38 Under-insuring catastrophic risks

*References* https://zbib.org/f596ff3c9f984482990aa321a4c523a2

*PWL Goals Survey Summary + Master List”
https://pwlcapital.com/wp-content/uploads/2024/08/PWL_GoalSurveySummary_2022_Final.pdf

*Avoid Online Scams* https://pwlcapital.com/stay-safe-online/

*Check out the Rational Reminder Podcast*
YouTube channel @rationalreminder
Podcast website https://rationalreminder.ca/
Rational Reminder community (forum) https://community.rationalreminder.ca/
Apple Podcasts https://itunes.apple.com/ca/podcast/the-rational-reminder-podcast/id1426530582?mt=2
Spotify https://open.spotify.com/show/6RHWTH9iW7hdnA7eAg7ukO?si=hjZNfLKuSjSeWX38GPqhVA

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Money doesn’t define you, it reveals what you value, what you understand, and whether your choices are leading to freedom or confinement.

Jay sits down once again with entrepreneur and financial educator Jaspreet Singh for a comprehensive conversation about money, mindset, and the systems that quietly shape our financial realities. Jay opens up about how success, comparison, and social pressure distort our relationship with wealth, while Jaspreet challenges the idea that financial struggle is purely personal failure. Together, they unpack why so many people work hard yet feel stuck, caught in a cycle they were never taught how to escape, and why the first step to financial freedom isn’t earning more, but really understanding the rules of money.

Jay and Jaspreet lay out a clear, practical framework for building financial stability, from redefining money as a tool rather than a measure of self-worth, to understanding debt, investing, and the habits that keep people broke. Jaspreet breaks down complex ideas into simple, actionable steps, emphasizing the importance of having emergency savings, intentional spending, and long-term ownership over short-term appearances.

Together, they explore how artificial intelligence is accelerating inequality between those who understand it and those who ignore it, and why learning to use AI is becoming essential across every industry. Rather than chasing fast money or quick wins, they encourage listeners to focus on education, adaptability, and patience, building systems that serve their values, protect their families, and create lasting impact.

In this interview, you’ll learn:
How to Break the Paycheck-to-Paycheck Cycle
How to Treat Money as a Tool, Not Your Identity
How to Build a $2,000 Safety Net Fast
How to Separate Spending, Saving, and Investing
How to Use AI to Get Ahead at Work and in Business
How to Build Wealth Without Chasing Fast Money

If money has ever felt overwhelming, confusing, or out of reach, this is your reminder that nothing is “wrong” with you, you were simply never taught the rules. Small decisions, repeated consistently, have the power to change not just your finances, but the way you see your future.

Want smarter money insights without the noise? Sign up for Jaspreet’s free Market Briefs newsletter and get bonus access to his investing masterclass here:
https://briefs.finance/c2ebdb

With Love and Gratitude,
Jay Shetty

Join over 750,000 people to receive my most transformative wisdom directly in your inbox every single week with my free newsletter. Subscribe here.

Check out our Apple subscription to unlock bonus content of On Purpose! https://lnk.to/JayShettyPodcast

What We Discuss:
00:00 Intro
01:25 Are You Stuck Living Paycheck to Paycheck?
07:26 The Illusion of Looking Rich While Being in Debt
18:37 What is the First Thing You Should Cut to Start Saving Money?
27:13 The Fastest, Most Realistic Way to Make More Money
32:47 How to Become Revenue-Generating at Work or in Business
34:31 Start by Solving a Problem You Already Understand
39:03 How to Start Investing (Even With Little Money)
45:13 Begin With the Easiest Investing Option Available
46:43 How the Stock Market Really Works
51:17 Why Quick Money Never Lasts
53:59 Where the Real Financial Opportunities in AI Are
01:01:48 What Market Briefs Is and Why It Matters
01:03:46 How to Prepare for an AI-Driven Economy
01:09:52 The Best Places to Learn About AI Right Now
01:12:20 Why Financial Education Matters More in the AI Age
01:14:02 Spend More on Investments That Increase Your Freedom

Episode Resources:
Website | https://theminoritymindset.com/
Instagram | https://www.instagram.com/minoritymindset
YouTube | https://www.youtube.com/minoritymindset
TikTok | https://www.tiktok.com/@minoritymindset
X | https://x.com/MinorityM1ndset
LinkedIn | https://www.linkedin.com/company/minoritymindset
Facebook | https://www.facebook.com/MinorityMindset/

https://www.instagram.com/jayshetty
https://www.facebook.com/jayshetty/
https://x.com/jayshetty
https://www.linkedin.com/in/shettyjay/
https://www.youtube.com/@JayShettyPodcast
http://jayshetty.me

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I Tried Making Money Posting Rain Videos #shorts

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Thank you for watching, I hope to see you throughout my journey! 🚀

**THIS IS NOT FINANCIAL ADVICE**

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Music video by The Warning performing MONEY. © 2022 Republic Records a division of UMG Recordings Inc & Lava Music LLC

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