The Minority Mindset Show

"This is where things get weird. Normally, when you were in a buyer's market, that means houses are cheap."

 

This episode breaks down why the housing market has technically flipped into a buyer's market in 41 of the 50 largest metro areas, even though home prices remain near record highs and mortgage rates sit close to 7%. He explains why this combination has made it cheaper to rent than to buy for the first time in 15 years.

 

He also walks through the math comparing the cost of owning versus renting the same median home, why mortgage rates are driven by Treasury yields rather than the Federal Reserve directly, and why today's housing market looks very different from the 2008 crash. He also covers the government's recent efforts to make buying a home more affordable and what to watch for to see where mortgage rates go next.

 

In this episode, you'll learn:

Why home prices (up 27%) and mortgage costs (up 90%) have outpaced income growth (up 13%) since 2021

How the 10-year Treasury yield, not the Fed's federal funds rate, actually drives mortgage rates

The mortgage lock-in effect keeping 69% of homeowners locked into rates under 5%

How 2026 housing conditions compare to 2008, including underwater homeowners, housing supply, and foreclosures

The Trump administration's housing initiatives, including AI powered appraisals, the Trump IRA, and limits on Wall Street home buying

The math comparing buying versus renting the same median home over a 10 year period

Why Jaspreet treats the home he lives in as a liability rather than an investment

The three signals to watch for where mortgage rates go next: inflation, the job market, and housing inventory

 

Keywords: housing market, mortgage rates, buyers market, Treasury yields, mortgage lock-in effect, rent vs buy, home affordability, Federal Reserve, real estate investing, housing inventory

 

✅Grab a FREE copy of my ebook ABB: Always Be Buying here:

Please note: Yes, these are our sponsors & advertisers. However, these are companies that I trust and use (or have used). The compensation doesn't affect my recommendations or advice. That being said, you should always do your own research & never blindly listen to a random guy on YouTube (or podcast).
----------
➤ Invest In Stocks Passively
1) M1 Finance - Buy stocks & ETFs automatically:
https://theminoritymindset.com/m1
----------
➤ Life Insurance
2) Policygenius - Get a free life insurance quote:
https://theminoritymindset.com/policygenius
----------
➤ Real Estate Investing Online
3) Fundrise - Invest in real estate with as little as $10!
https://theminoritymindset.com/fundrise
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"The IRS is not going away. They're having less humans, but they're replacing those humans with IRS AI agents."

 

The IRS cut 26,000 employees but audits are going up, not down. AI agents are replacing human reviewers and can do something human agents couldn't: automatically compare every tax return against similar filers to detect anomalies at scale. This episode explains what the IRS is now prioritizing and how to avoid triggering a review.

 

Jaspreet Singh walks through five areas the IRS is actively scrutinizing in 2026: red flag deductions, the side hustle reporting threshold, crypto compliance, higher-income audits, and AI-powered detection along with specific guidance on what documentation and habits protect taxpayers in each area.

 

In this episode, you'll learn:

How the DIFF score system works: every return gets rated, the top 10% of scores get pulled for review, and roughly 1% of all returns end up audited

Three deductions that commonly trigger red flags: home office write-offs not exclusively used for work, claiming 100% vehicle deduction without a driving log to prove business use, and cash-based businesses reporting revenue that doesn't match comparable businesses in the same area

The new side hustle reporting threshold under the One Big Beautiful Bill Act: platforms like Venmo, PayPal, and Etsy must report users to the IRS after 200 transactions and $20,000 in revenue on a single platform but taxes are still owed below those thresholds

Why mixing personal and business transactions on the same payment app increases audit risk and why a dedicated business account is the clean fix

How crypto reporting changed starting with 2025 transactions: exchanges are now required to report earnings directly to the IRS, which will then be matched against filed tax returns and DeFi platforms are increasingly subject to the same rules

Why the IRS is specifically targeting higher earners: audits are increasing for anyone making over $400,000, making a good accountant more critical as income and complexity grow

How AI IRS agents differ from human reviewers: they automatically compare returns against similar filers and flag unusual patterns in income growth or expense ratios that humans would likely miss

Why documentation is the single best defense across all five areas: driving logs, office photos, separate accounts, and consistent records reduce both the likelihood of an audit and the exposure if one happens

 

Keywords: IRS audit, tax compliance, side hustle taxes, crypto taxes, home office deduction, Section 179, DIFF score, AI IRS agents, tax strategy, financial education

 

 

Want more financial news? Join Market Briefs, my free daily financial newsletter: https://link2.briefs.co/gie

Below are my recommended tools!

Please note: Yes, these are our sponsors & advertisers. However, these are companies that I trust and use (or have used). The compensation doesn't affect my recommendations or advice. That being said, you should always do your own research & never blindly listen to a random guy on YouTube (or podcast).

----------

➤ Invest In Stocks Passively

1) M1 Finance - Buy stocks & ETFs automatically:

https://theminoritymindset.com/m1

----------

➤ Life Insurance

2) Policygenius - Get a free life insurance quote:

https://theminoritymindset.com/policygenius

----------

➤ Real Estate Investing Online

3) Fundrise - Invest in real estate with as little as $10!

https://theminoritymindset.com/fundrise

----------

"It's not how much money you make that matters. It's how much money you keep."

 

The tax code is a rulebook and it tells you exactly what you have to pay taxes on and what you don't. Most people never read it, which is why they overpay. This episode walks through three legal strategies that allow business owners, real estate investors, and stock market investors to reduce their tax bill to zero.

 

Jaspreet Singh breaks down each strategy with specific numbers: how ordinary and necessary business expenses work, how real estate depreciation (including accelerated depreciation and the 1031 exchange) can create a paper tax loss while cash sits in the bank, and how the 0% capital gains bracket lets investors earn investment income completely tax-free.

 

In this episode, you'll learn:

Why a person making $90,000 with a 0% tax rate ends up keeping more money than someone making $100,000 at a 25% effective rate and why that framing changes how you should think about taxes

Who qualifies for the ordinary and necessary expense deduction: LLC owners, S-corp owners, and 1099 contractors and how a side business losing $4,000 a year can offset W2 job income

Common ordinary and necessary write-offs: home office, vehicle, cell phone, hardware, software, and business travel and how the Section 179 deduction applies to heavy vehicles over 6,000 pounds used for business

How the QBI (Qualified Business Income) deduction gives LLC and S-corp owners an additional 20% write-off on top of regular business expenses

How basic real estate depreciation works: take the building's value, divide by 27.5, and deduct that amount from taxable income every year, even if the property is appreciating

How accelerated depreciation through a cost segregation study can generate a first-year paper loss large enough to eliminate all rental income tax and offset other income for investors earning under $100,000 a year

How the 1031 like-kind exchange allows investors to sell a rental property for a profit, roll all proceeds into new real estate, and pay $0 in capital gains taxes

How the 0% long-term capital gains bracket works: single filers earning under $49,000 and married filers under $98,000 pay zero federal tax on investment income

 

Keywords: tax strategy, tax deductions, ordinary and necessary expenses, real estate depreciation, 1031 exchange, capital gains tax, QBI deduction, LLC, tax-free income, financial education

 

 

Want more financial news? Join Market Briefs, my free daily financial newsletter: https://link2.briefs.co/gie

Below are my recommended tools!

Please note: Yes, these are our sponsors & advertisers. However, these are companies that I trust and use (or have used). The compensation doesn't affect my recommendations or advice. That being said, you should always do your own research & never blindly listen to a random guy on YouTube (or podcast).

----------

➤ Invest In Stocks Passively

1) M1 Finance - Buy stocks & ETFs automatically:

https://theminoritymindset.com/m1

----------

➤ Life Insurance

2) Policygenius - Get a free life insurance quote:

https://theminoritymindset.com/policygenius

----------

➤ Real Estate Investing Online

3) Fundrise - Invest in real estate with as little as $10!

https://theminoritymindset.com/fundrise

----------

"When you try to wait for the perfect opportunity, you end up missing the opportunity."

 

Most investors try to find the next Amazon, and most lose money doing it. ETFs solve this by bundling hundreds of companies together, removing the need to pick winners. Three specific ETFs (VOO, SCHD, and QQQ) have created more millionaire investors than virtually any individual stock, and this episode explains exactly why.

 

Jaspreet Singh walks through each ETF, what it invests in, and the logic behind it, then closes with a decade of real market examples showing why the ABB strategy (Always Be Buying) is what separates investors who build wealth from those who watch from the sidelines.

 

In this episode, you'll learn:

Warren Buffett's $1 million bet: the S&P 500 returned approximately 7.1% annually over 10 years after fees versus 2.2% for an expensive hedge fund, proving most people can beat professional money managers by simply owning an index

Why the S&P 500 is self-cleaning: when a company like Sears fell out of the 500 largest companies, it was automatically replaced, only about 50 of the original companies from the mid-1950s remain in the index today

How VOO gives broad exposure to the 500 largest U.S. companies, no stock picking, no active management, and automatic replacement when companies stop qualifying

How SCHD invests in approximately 100 strong dividend-paying companies including Chevron, Coca-Cola, Verizon, and Procter & Gamble with a minimum requirement of 10 consecutive years of dividend payments to qualify

Why chasing the highest dividend yield is a mistake: a high dividend from a weak company can be cut, taking both the income and the stock price down with it, the goal is finding companies growing both profits and dividends over time

How QQQ gives exposure to the NASDAQ 100 (the 100 largest non-financial companies, primarily tech) averaging approximately 20% annual returns over the last decade, but falling more than 75% during the dot-com bust between 2000 and 2002

How the 2020 crash, the 2022 correction, and the 2025 tariff-driven selloffs all followed the same pattern: markets dropped, panic set in, and then broke new record highs shortly after making each downturn a buying opportunity in hindsight

How to implement ABB automatically: set up weekly or biweekly transfers from a checking account into a portfolio of ETFs so investing happens regardless of market conditions, news cycle, or who is in the White House

 

Keywords: ETF investing, S&P 500, SCHD, QQQ, dividend investing, NASDAQ, wealth building, always be buying, index funds, long-term investing

 

Want more financial news? Join Market Briefs, my free daily financial newsletter: https://link2.briefs.co/gie

Below are my recommended tools!

Please note: Yes, these are our sponsors & advertisers. However, these are companies that I trust and use (or have used). The compensation doesn't affect my recommendations or advice. That being said, you should always do your own research & never blindly listen to a random guy on YouTube (or podcast).

----------

➤ Invest In Stocks Passively

1) M1 Finance - Buy stocks & ETFs automatically:

https://theminoritymindset.com/m1

----------

➤ Life Insurance

2) Policygenius - Get a free life insurance quote:

https://theminoritymindset.com/policygenius

----------

➤ Real Estate Investing Online

3) Fundrise - Invest in real estate with as little as $10!

https://theminoritymindset.com/fundrise

----------

"The stupider that you are with your money, the richer that your banker gets."

 

Most people deposit money into banks, finance purchases through them, and take financial advice from them, without realizing that the bank's incentives run directly counter to their own. This episode pulls back the curtain on how the banking system actually works and why understanding it is the first step to using it in your favor.

Jaspreet Singh walks through five things banks don't want customers to know. From how fractional reserve lending multiplies their money using yours, to why your banker isn't your financial adviser, to how you can flip the script by becoming an owner of the very institutions profiting from your decisions.

 

In this episode, you'll learn:

How credit card math works against you: $6,000 in debt at 25% APR compounded over 45 years would grow to over $130 million, which is exactly the math credit card companies have already run

How fractional reserve lending works: when you deposit $100, the bank lends out $90, which gets deposited elsewhere and lent out again creating a chain of money creation that only holds up if most customers never withdraw at the same time

Why FDIC insurance was created and what it actually protects: deposits up to $250,000 in the event of a bank run or collapse

Why your banker is not your financial adviser. They earn commission on loans, and the bigger the mortgage or car loan they sell you, the bigger their paycheck

How saving at the average 0.4% interest rate loses real purchasing power against the reported 23% cumulative inflation of the last five years

Why high-yield savings accounts are better than standard savings but still don't grow the principal and why investing is required to actually build wealth

How to flip the script by owning bank stocks instead of just depositing in them with dividend yield examples from JP Morgan (2.4%), Bank of America (2.8%), and TD Bank (4.9%)

Why the economic system is designed to benefit investors, not savers or employees and how shifting from consumer thinking to owner thinking changes financial outcomes

 

Keywords: banking system, fractional reserve lending, credit card debt, FDIC insurance, dividend investing, wealth building, financial education, savings vs investing, inflation, bank stocks

 

 
 

Want more financial news? Join Market Briefs, my free daily financial newsletter: https://link2.briefs.co/gie

Below are my recommended tools!

Please note: Yes, these are our sponsors & advertisers. However, these are companies that I trust and use (or have used). The compensation doesn't affect my recommendations or advice. That being said, you should always do your own research & never blindly listen to a random guy on YouTube (or podcast).

----------

➤ Invest In Stocks Passively

1) M1 Finance - Buy stocks & ETFs automatically:

https://theminoritymindset.com/m1

----------

➤ Life Insurance

2) Policygenius - Get a free life insurance quote:

https://theminoritymindset.com/policygenius

----------

➤ Real Estate Investing Online

3) Fundrise - Invest in real estate with as little as $10!

https://theminoritymindset.com/fundrise

----------