{"id":1024,"date":"2025-09-16T07:11:43","date_gmt":"2025-09-16T07:11:43","guid":{"rendered":"https:\/\/kensmartips.com\/finance\/?p=1024"},"modified":"2025-09-16T07:11:43","modified_gmt":"2025-09-16T07:11:43","slug":"no-1-money-saving-experts-do-not-buy-a-house-under-45-youre-not-getting-a-pension","status":"publish","type":"post","link":"https:\/\/kensmartips.com\/finance\/?p=1024","title":{"rendered":"No.1 Money Saving Experts: Do Not Buy A House! Under 45? You&#8217;re Not Getting A Pension!"},"content":{"rendered":"<p><iframe loading=\"lazy\" width=\"480\" height=\"270\" src=\"\/\/www.youtube.com\/embed\/XTGlde-Pbd8\" frameborder=\"0\" allowfullscreen><\/iframe><\/p>\n<p>Are we falling for the biggest money traps of our generation? And what are the money habits that actually build millions? Raoul Pal, Jaspreet Singh, and Humphrey Yang reveal the truth about renting vs buying, escaping credit card debt, mastering passive income, and investing with $0!<\/p>\n<p>This personal finance roundtable brings 3 leading finance experts to discuss building wealth and planning for your financial future. Jaspreet Singh is an entrepreneur and founder of Minority Mindset, Raoul Pal is a former hedge fund manager and CEO of Real Vision, and Humphrey Yang is a personal finance creator and former financial advisor at Merrill Lynch.<\/p>\n<p>They discuss:<br \/>\n\u25fc\ufe0fWhy saving money won\u2019t make you rich, and what to do instead<br \/>\n\u25fc\ufe0fThe single best skill to escape being broke in 2025<br \/>\n\u25fc\ufe0f Why renting is smarter than buying (even if you can afford to buy)<br \/>\n\u25fc\ufe0f The tiny money habit that quietly builds millions over time<br \/>\n\u25fc\ufe0f Why most people under 45 won\u2019t get a pension (and what to do instead)<br \/>\n\u25fc\ufe0fThe truth about crypto, AI and why the financial system doesn\u2019t want you prepared<\/p>\n<p>00:00 Intro<br \/>\n00:02:10 How Do I Make More Money?<br \/>\n00:04:59 Pointless Jobs That Actually Made You the Most Money<br \/>\n00:06:39 How to Visualize Your Finances<br \/>\n00:07:30 Social Pressure Around Money<br \/>\n00:09:23 The Simple Money Tracking Hack<br \/>\n00:13:18 Best Form of Investing: Active or Passive?<br \/>\n00:18:20 More People Joining Crypto<br \/>\n00:20:54 Bitcoin Is Too Speculative<br \/>\n00:28:17 Stocks vs Crypto<br \/>\n00:33:47 How Would You Invest $1,000?<br \/>\n00:41:59 The S&amp;P 500 vs the Nasdaq-100<br \/>\n00:44:00 Dollar Cost Averaging Explained<br \/>\n00:46:58 Removing Emotion from Financial Decisions<br \/>\n00:47:55 Should We Be Putting Everything into Crypto?<br \/>\n00:49:22 If Crypto Isn\u2019t the Future, What Takes Its Place?<br \/>\n00:54:12 Ad Break<br \/>\n00:56:10 What to Do When You&#8217;re in Debt<br \/>\n00:59:29 Bankruptcy: When Should Someone Consider It?<br \/>\n01:02:00 Alternatives to Filing for Bankruptcy<br \/>\n01:03:41 The Myth of Passive Income<br \/>\n01:05:37 How Profitable Are Property Investments?<br \/>\n01:10:21 Should You Buy Rental Properties for Passive Income?<br \/>\n01:11:08 Why More People Are Renting in the U.S.<br \/>\n01:13:19 Is Property a Good Way to Build Wealth?<br \/>\n01:19:16 Is There Such a Thing as Good Debt?<br \/>\n01:20:16 Leveraging Your Current Assets<br \/>\n01:25:47 Pensions and 401(k) Retirement Plans<br \/>\n01:39:35 Ad Break<br \/>\n01:41:23 Framework for Making Money More Easily<br \/>\n01:47:39 Why Keeping Money in the Bank Makes You Poorer<br \/>\n01:51:45 What Do Rich People Know That Most Don\u2019t?<br \/>\n01:54:27 How Relationships Impact Financial Success<br \/>\n01:59:30 Do Geographics Matter When Making Money?<br \/>\n02:02:16 Is the UK a Good Place to Build Wealth?<br \/>\n02:05:35 Closing Statements<\/p>\n<p>Follow Jaspreet:<br \/>\nX: http:\/\/bit.ly\/3HSFdO3<br \/>\n\u2018Market Briefs\u2019 newsletter:: http:\/\/bit.ly\/4mWeqzr<br \/>\nYouTube: http:\/\/bit.ly\/46hbTbU <\/p>\n<p>Follow Raoul:<br \/>\nX: http:\/\/bit.ly\/466Fe8Q<br \/>\nWebsite here: http:\/\/bit.ly\/4m6Rexb<br \/>\nYou can download Raoul Pal\u2019s 5-Year Roadmap for free here: http:\/\/bit.ly\/3JQok7g<br \/>\nYou can purchase \u2018The Everything Code\u2019, here: https:\/\/amzn.to\/48cJ2bk <\/p>\n<p>Follow Humphrey:<br \/>\nYoutube: http:\/\/bit.ly\/3KgmkoJ<br \/>\nInstagram: http:\/\/bit.ly\/4gs6kMI<br \/>\nWebsite \u2060Humphreysguide.com<\/p>\n<p>The Diary Of A CEO:<br \/>\n\u2b1bJoin DOAC circle here &#8211; https:\/\/doaccircle.com\/<br \/>\n\u2b1bBuy The Diary Of A CEO book here &#8211; https:\/\/smarturl.it\/DOACbook<br \/>\n\u2b1bThe 1% Diary is back &#8211; limited time only: https:\/\/bit.ly\/3YFbJbt<br \/>\n\u2b1bThe Diary Of A CEO Conversation Cards (Second Edition): https:\/\/g2ul0.app.link\/f31dsUttKKb<br \/>\n\u2b1bGet email updates &#8211; https:\/\/bit.ly\/diary-of-a-ceo-yt<br \/>\n\u2b1bFollow Steven &#8211; https:\/\/g2ul0.app.link\/gnGqL4IsKKb <\/p>\n<p>Sponsors:<br \/>\nLinkedin Jobs &#8211; https:\/\/www.linkedin.com\/doac<br \/>\nBon Charge &#8211; http:\/\/boncharge.com\/diary?rfsn=8189247.228c0cb with code DIARY for 25% off<br \/>\nVivobarefoot &#8211; https:\/\/www.vivobarefoot.com\/Steven and get 20% off when you use STEVENB20<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Are we falling for the biggest money traps of our generation? And what are the money habits that actually build [&hellip;]<\/p>\n","protected":false},"author":0,"featured_media":1025,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1024","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v17.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/kensmartips.com\/finance\/?p=1024\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"No.1 Money Saving Experts: Do Not Buy A House! Under 45? You&#039;re Not Getting A Pension! - FINANCE\" \/>\n<meta property=\"og:description\" content=\"Are we falling for the biggest money traps of our generation? And what are the money habits that actually build [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/kensmartips.com\/finance\/?p=1024\" \/>\n<meta property=\"og:site_name\" content=\"FINANCE\" \/>\n<meta property=\"article:published_time\" content=\"2025-09-16T07:11:43+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/kensmartips.com\/finance\/wp-content\/uploads\/2025\/09\/ytb_thumb-25.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"480\" \/>\n\t<meta property=\"og:image:height\" content=\"360\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebSite\",\"@id\":\"https:\/\/kensmartips.com\/finance\/#website\",\"url\":\"https:\/\/kensmartips.com\/finance\/\",\"name\":\"FINANCE\",\"description\":\"Your Best Finance Guide\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/kensmartips.com\/finance\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"ImageObject\",\"@id\":\"https:\/\/kensmartips.com\/finance\/?p=1024#primaryimage\",\"inLanguage\":\"en-US\",\"url\":\"https:\/\/kensmartips.com\/finance\/wp-content\/uploads\/2025\/09\/ytb_thumb-25.jpg\",\"contentUrl\":\"https:\/\/kensmartips.com\/finance\/wp-content\/uploads\/2025\/09\/ytb_thumb-25.jpg\",\"width\":480,\"height\":360},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/kensmartips.com\/finance\/?p=1024#webpage\",\"url\":\"https:\/\/kensmartips.com\/finance\/?p=1024\",\"name\":\"No.1 Money Saving Experts: Do Not Buy A House! Under 45? You're Not Getting A Pension! - FINANCE\",\"isPartOf\":{\"@id\":\"https:\/\/kensmartips.com\/finance\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/kensmartips.com\/finance\/?p=1024#primaryimage\"},\"datePublished\":\"2025-09-16T07:11:43+00:00\",\"dateModified\":\"2025-09-16T07:11:43+00:00\",\"author\":{\"@id\":\"\"},\"breadcrumb\":{\"@id\":\"https:\/\/kensmartips.com\/finance\/?p=1024#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/kensmartips.com\/finance\/?p=1024\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/kensmartips.com\/finance\/?p=1024#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/kensmartips.com\/finance\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"No.1 Money Saving Experts: Do Not Buy A House! Under 45? You&#8217;re Not Getting A Pension!\"}]}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/kensmartips.com\/finance\/?p=1024","og_locale":"en_US","og_type":"article","og_title":"No.1 Money Saving Experts: Do Not Buy A House! Under 45? You're Not Getting A Pension! - FINANCE","og_description":"Are we falling for the biggest money traps of our generation? And what are the money habits that actually build [&hellip;]","og_url":"https:\/\/kensmartips.com\/finance\/?p=1024","og_site_name":"FINANCE","article_published_time":"2025-09-16T07:11:43+00:00","og_image":[{"width":480,"height":360,"url":"https:\/\/kensmartips.com\/finance\/wp-content\/uploads\/2025\/09\/ytb_thumb-25.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebSite","@id":"https:\/\/kensmartips.com\/finance\/#website","url":"https:\/\/kensmartips.com\/finance\/","name":"FINANCE","description":"Your Best Finance Guide","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/kensmartips.com\/finance\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"},{"@type":"ImageObject","@id":"https:\/\/kensmartips.com\/finance\/?p=1024#primaryimage","inLanguage":"en-US","url":"https:\/\/kensmartips.com\/finance\/wp-content\/uploads\/2025\/09\/ytb_thumb-25.jpg","contentUrl":"https:\/\/kensmartips.com\/finance\/wp-content\/uploads\/2025\/09\/ytb_thumb-25.jpg","width":480,"height":360},{"@type":"WebPage","@id":"https:\/\/kensmartips.com\/finance\/?p=1024#webpage","url":"https:\/\/kensmartips.com\/finance\/?p=1024","name":"No.1 Money Saving Experts: Do Not Buy A House! Under 45? You're Not Getting A Pension! - FINANCE","isPartOf":{"@id":"https:\/\/kensmartips.com\/finance\/#website"},"primaryImageOfPage":{"@id":"https:\/\/kensmartips.com\/finance\/?p=1024#primaryimage"},"datePublished":"2025-09-16T07:11:43+00:00","dateModified":"2025-09-16T07:11:43+00:00","author":{"@id":""},"breadcrumb":{"@id":"https:\/\/kensmartips.com\/finance\/?p=1024#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/kensmartips.com\/finance\/?p=1024"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/kensmartips.com\/finance\/?p=1024#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/kensmartips.com\/finance\/"},{"@type":"ListItem","position":2,"name":"No.1 Money Saving Experts: Do Not Buy A House! Under 45? You&#8217;re Not Getting A Pension!"}]}]}},"_links":{"self":[{"href":"https:\/\/kensmartips.com\/finance\/index.php?rest_route=\/wp\/v2\/posts\/1024","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/kensmartips.com\/finance\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/kensmartips.com\/finance\/index.php?rest_route=\/wp\/v2\/types\/post"}],"replies":[{"embeddable":true,"href":"https:\/\/kensmartips.com\/finance\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1024"}],"version-history":[{"count":0,"href":"https:\/\/kensmartips.com\/finance\/index.php?rest_route=\/wp\/v2\/posts\/1024\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/kensmartips.com\/finance\/index.php?rest_route=\/wp\/v2\/media\/1025"}],"wp:attachment":[{"href":"https:\/\/kensmartips.com\/finance\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1024"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/kensmartips.com\/finance\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1024"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/kensmartips.com\/finance\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1024"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}