The Mind Money Spectrum Podcast
Welcome to The Mind Money Spectrum Podcast where your hosts Aaron Agte and Trishul Patel go beyond traditional finance questions to help you explore how to use your money to achieve the freedom you want in life. Aaron is a Financial Planner from the Bay Area, and Trishul is a Wealth Manager on the East Coast. For more information about Aaron, check out GraystoneAdvisor.com. And for more information on Trishul check out InvestingForever.com. We thank you all for listening, and stay tuned for our latest episode on our website, MindMoneySpectrum.com.
Graystone Advisor, LLC is a registered investment adviser offering advisory services in the State of California and in other jurisdictions where exempt from registration.
Investing Forever LLC (d/b/a, Investing Forever Advisory) is a registered investment adviser offering advisory services in the State of Florida and in other jurisdictions where exempted.
Graystone Advisor, LLC is a registered investment adviser offering advisory services in the State of California and in other jurisdictions where exempt from registration.
Investing Forever LLC (d/b/a, Investing Forever Advisory) is a registered investment adviser offering advisory services in the State of Florida and in other jurisdictions where exempted.
Episodes
141 episodes
#141. The Unrealized Gains Loophole
Addressing criticisms of Kamala Harris's Unrealized Gain tax plan.The ultra-wealthy pay a lower tax rate than wage earners, meaning the US has a regressive tax system rather than the intended progressive tax system. Kamala Harris's tax ...
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Season 6
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Episode 9
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1:23:14
#140. Buying a home is not an investment, it's location, location, location
Rent or buy? How much as a down payment?Most Americans have most of their net worth in their home equity. In this episode, Aaron and Trishul discuss the pros and cons of making a down payment and buying a home. Is it worth making a larg...
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Season 6
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Episode 8
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1:14:22
#139. Rent-Seeking Exposed: Hidden Costs of Modern Life
How U.S. government incentives create rent-seeking.In economics, rent-seeking is extracting wealth without adding value. Trishul provides data and examples of how rent-seeking has made lives harder. Home prices, healthcare, and educatio...
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Season 6
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Episode 7
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1:09:56
#138. Financial Planner tells a story of why Fee-Only matters
How snowboarding in Park City influenced the genesis of Graystone AdvisorIn this episode, Aaron shares his story of attending due diligence conferences to learn about non-traded REITs. While it was nice to be wined and dined, he started...
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Season 6
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Episode 6
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1:02:14
#137. You can't pay someone for free money.
The red flags of TikTok financial videos.In this episode, Trishul and Aaron discuss the problem of trying to pare down financial advice to soundbites. TikTok financial videos can contain red flags ranging from likely inappropriate to do...
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Season 6
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Episode 5
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1:06:52
#136. David Shapiro: How can we prepare for the Fourth Industrial Revolution?
Bring on 80% unemployment!In this episode, David Shapiro joins Trishul and Aaron to discuss AI and the Fourth Industrial Revolution. Where are we now with technology and society, and where are we going? What is the future of AI at the i...
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Season 6
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Episode 4
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1:25:03
#135. Aaron and Trishul discover the meaning of life.
If a Tesla robot can fold your laundry (and do all the other chores), how do you spend your time? What do you take pride in?In a world where robots handle our chores, what becomes of human time? How should we guide children into adultho...
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Season 6
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Episode 3
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1:04:03
#134. Stuff. Lots and lots of cheap stuff.
Stuff is cheap. You should spend more on experiences.In this episode, Trishul and Aaron dive into the world of "stuff." They reflect on their spending patterns and attitudes towards material goods versus life-enriching experiences. As t...
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Season 6
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Episode 2
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1:06:31
#133. How to emotionally prepare for an IPO
How do you navigate the emotional landscape of deciding whether to sell or hold stock when there's no pressing financial goal guiding your choice?In this episode, Aaron explores a unique situation: a client facing an IPO without needing...
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Season 6
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Episode 1
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1:09:21
#132. Why would you ever want to be a W-2 employee anymore?
W-2 employees can still have an entrepreneurial mindset, right?In this episode, Trishul and Aaron examine mechanical differences between W-2 employees and self-employed individuals, including contractors. While W-2 employees get several...
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Season 5
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Episode 12
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1:04:34
#131. We don't need no education.
Education is designed to produce employees, not entrepreneurs.In this episode, Aaron and Trishul reflect on whether their advice applies to most people. Not everyone can structure their calendars like small business owners. For those wh...
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Season 5
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Episode 11
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1:12:30
#130. Manage expectations to cultivate your ideal year.
Ideal year and managing expectations.In this episode, Trishul and Aaron continue the exercise of "Ideal Day, Week, and Year." Aaron clarifies his thoughts regarding the differences between his ideal day and week. They discuss the relati...
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Season 5
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Episode 10
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1:10:31
#129. Ideal day, week...and societal expectations?
Ideal day, week, and year...but really why life is so hard.In this episode, Aaron and Trishul begin an exercise to imagine their ideal day, week, and year. What does your perfect Monday look like? What might be too much for every day bu...
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Season 5
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Episode 9
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1:09:41
#128. The mutual fund industry is changing. Here's how.
Understanding mutual fund share classes helps transparency in financial services.In this episode, Trishul and Aaron discuss mutual fund shares classes and the evolution of mutual funds over the last forty years. They describe how stock ...
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Season 5
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Episode 8
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1:19:00
#127. When it is okay to not save enough?
Aaron and Trishul think it's okay not to save. WHAT?!?!In this episode, Aaron and Trishul discuss scenarios when it is okay not to save for the future. When is traditional financial planning too conservative? When taking a life planning...
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Season 5
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Episode 7
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58:20
#126. The robots are here! Are humans finished?
When AI becomes more intelligent than humans, is humanity doomed?In this episode, Trishul prepares Aaron for when Artificial Intelligence becomes Artificial General Intelligence and the ensuing implications for humanity. He explains inn...
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Season 5
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Episode 6
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1:17:23
#125. If you have NSOs, you need to listen to this episode.
How do you decide when to sell your NSOs?In this episode, Aaron uses the Netflix Employee Stock Option Plan to explain how to decide when to sell NSOs. Just because the stock price has appreciated doesn't mean you should cash out now. O...
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Season 5
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Episode 5
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59:57
#124. Are my bank desposits safe?
What happens to Silicon Valley Bank customers and will this affect my cash?What does the failure of Silicon Valley Bank mean? On 3/15/23, Aaron and Trishul answer client questions regarding the news about SVB. They discuss FDIC insuranc...
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Season 4
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Episode 4
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1:16:20
#123. I, for one, welcome our new AI robot overlords.
What happens after AI replaces labor?In this episode, Trishul and Aaron imagine what happens when robots and AI put everyone out of a job. What careers could still exist? Does everyone get custom computer-generated content? If wealth in...
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Season 4
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Episode 3
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1:02:37
#122. The robots are here! Seriously, now what!?
Is AI going to replace Aaron and Trishul?In this episode, Aaron and Trishul discuss the implication of ChatGPT on their (and other) careers. It will likely replace the knowledge they have gained through the CFP program and can answer mo...
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Season 4
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Episode 2
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1:04:59
#121. The robots are here! Now what?
Trishul and Aaron get philosophical as they consider artificial intelligence.In this episode, Aaron and Trishul planned on discussing ChatGPT. But when they go through the history of machine learning, Trishul wonders if a modern AI can ...
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Season 4
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Episode 1
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1:02:58
#120. Planning for downtime during the holiday season
Creating a routine to fill the unstructured time off.In this episode, Trishul and Aaron discuss what they are going to do with their unstructured time off around the holidays. Aaron is particularly concerned with limiting screen time fo...
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Season 3
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Episode 16
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57:59
#119. What if we live forever?
Safe withdrawal rates, fulfillment, and economic impact of an aging population.In this episode, Aaron and Trishul explore the question "What if we live forever?" They touch on the science of aging, the economic impact of an aging popula...
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Season 3
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Episode 15
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59:07
#118. Is now the right time for solar?
The current and future impact of going solar and electric.In this episode, Trishul and Aaron discuss the decreasing cost of solar power and whether paying the extra cash now for solar panels or electric vehicles pays off in the end....
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Season 3
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Episode 14
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52:19
#117. Aaron teaches Trishul how to play fantasy football.
Everything Fantasy Football.In this episode, Aaron teaches Trishul how to play fantasy football. They use passive investing and simple behavior heuristics as analogies for auto-drafting and setting a lineup. They discuss positional scar...
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Season 3
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Episode 13
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1:50:08