Investing Vs Real Estate Vs Crypto Debate: The Retirement Crisis Is Coming & They’re Lying To You About Renting!

The Diary Of A CEO with Steven Bartlett

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Monday, 15 September 2025 - 1 hour 26 minutes

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!

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.

They discuss: 

◼️Why saving money won’t make you rich, and what to do instead

◼️The single best skill to escape being broke in 2025

◼️ Why renting is smarter than buying (even if you can afford to buy)

◼️ The tiny money habit that quietly builds millions over time

◼️ Why most people under 45 won’t get a pension (and what to do instead)

◼️The truth about crypto, AI and why the financial system doesn’t want you prepared

(00:00) Intro
(02:24) How Do I Make More Money?
(05:13) Pointless Jobs That Actually Made You the Most Money
(06:53) How to Visualize Your Finances
(07:44) Social Pressure With Money
(09:37) The Simple Money Tracking Hack
(13:32) Best Form of Investing: Active or Passive?
(18:34) More People Joining Crypto
(21:07) Bitcoin Is Too Speculative
(28:31) Stocks vs Crypto
(34:01) How Would You Invest $1,000?
(42:13) The S&P 500 vs the Nasdaq-100
(44:14) Dollar-Cost Averaging
(47:12) Remove Emotion From Financial Decisions
(48:08) Should We Be Putting Everything Into Crypto?
(49:36) If Crypto Isn't the Future, What Takes Its Place?
(54:26) Sponsored Segment
(56:24) What to Do When You're in Debt
(59:43) Bankruptcy: When Should Someone Consider It?
(01:02:13) What If You Don’t Want to File for Bankruptcy?
(01:03:55) The Myth of Passive Income
(01:05:51) How Well Can You Actually Do From Property Investments?
(01:10:35) Should You Buy Rental Properties for Passive Income?
(01:11:21) More People Are Renting in the US Over Buying
(01:13:33) Is Property a Good Way to Build Wealth?
(01:19:30) Is There Any Such Thing as Good Debt?
(01:20:30) Leveraging Your Current Assets
(01:26:01) Pensions and 401(k) Retirement Plans
(01:41:37) Framework for Making More Money Easily
(01:47:53) Keeping Your Money in a Bank Is Making You Poorer
(01:51:58) What Do Rich People Know That Most Others Don’t?
(01:54:41) Relationships Make Money
(01:59:44) How Much Do Geographies Matter When Making Money?
(02:02:30) Is the UK a Good Place to Build Wealth?
(02:05:49) Closing Statements

Follow Jaspreet:

X: http://bit.ly/3HSFdO3 

‘Market Briefs’ newsletter:: http://bit.ly/4mWeqzr

YouTube: http://bit.ly/46hbTbU 

Follow Raoul:

X: http://bit.ly/466Fe8Q 

Website here: http://bit.ly/4m6Rexb 

You can download Raoul Pal’s 5-Year Roadmap for free here: http://bit.ly/3JQok7g 

You can purchase ‘The Everything Code’, here: https://amzn.to/48cJ2bk 

Follow Humphrey:

Youtube: http://bit.ly/3KgmkoJ 

Instagram: http://bit.ly/4gs6kMI 

Website- Humphreysguide.com

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