George Esquivel started making shoes for himself and some friends, up-and-coming musicians in Southern California. Soon, Hollywood came calling. And it wasn’t just celebrities who took notice. A film financier did, too. He said he wanted to invest in the company, but George soon realized his intentions weren’t what they seemed. Join Ben and special guest host Kathleen Griffith as they speak to George about the rise of Esquivel Designs. Hear what a meeting with Anna Wintour is really like, and what happens when you’re betrayed by someone inside your company. These are The Unshakeables. See omnystudio.com/listener for privacy information.…
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.
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.
You need to build your own routine to thrive in retirement. People often retire with the idea of spending their time doing "whatever they want, whenever they want." However, this lack of structure can lead to a negative spiral, potentially resulting in health issues such as depression. To truly thrive in retirement—whether in your 40s or 60s—you need to create your own sense of discipline. It's essential to plan things to look forward to on a daily, weekly, and annual basis. Episode References MMS #7. The impact of friends, family, and communities on happiness is larger than you might think. Listen through the end to find out why. MMS #19. Life doesn't need to begin at retirement. Here's why. MMS #129. Ideal day, week...and societal expectations? MMS #130. Manage expectations to cultivate your ideal year. MMS #135. Aaron and Trishul discover the meaning of life. Maslow’s Hierarchy of Needs 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 Bay Area Financial Planner with GraystoneAdvisor.com , and Trishul is an East Coast Wealth Manager ( InvestingForever.com ). MindMoneySpectrum.com and YouTube .…
Trishul is in his 40's and has achieved FIRE. Aaron is also in his 40's, but is not financially independent. Yet they both lead similar lives. What's the difference? Trishul achieved FIRE and began writing a blog to help friends and family make better financial decisions. This eventually led to starting a lifestyle practice as a financial advisor. Aaron started a lifestyle business to help people with stock options while having the time to coach his kids' sports teams. Both see the value in making intentional decisions with family lifestyle as the priority. The difference is that Trishul's backup plan is his nest egg, while Aaron's backup plan is his future income potential. Episode References MMS #143. FIRE with Kids? Here's How to Make It Work! MMS #135. Aaron and Trishul discover the meaning of life. MMS #117. Aaron teaches Trishul how to play fantasy football. MMS #91. Why did Trishul and Aaron choose lifestyle practices? MMS #74. This hidden benefit of financial independence changes everything. MMS #19. Life doesn't need to begin at retirement. Here's why. MMS #1. What's the big deal about FIRE? Aaron's blog with friends Trishul's book with his father 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 Bay Area Financial Planner with GraystoneAdvisor.com , and Trishul is an East Coast Wealth Manager ( InvestingForever.com ). MindMoneySpectrum.com and YouTube .…
Parents teach hard worth through their actions, not their employment. Trishul has achieved FIRE and is a parent. Aaron describes clients who have achieved financial independence, but still have kids at home for another decade. You teach kids the value of hard work, not through your employment, but through the same activities that make your life fulfilling—whether you're financially independent or not. Parenting is one aspect of the many intentional decisions you must make to design your ideal life. Episode References MMS #35. Parents: How to face an impossible decision without losing your sanity. MMS #16. What was money like when you were growing up? And why a strong foundation matters. MMS #1. What's the big deal about FIRE? MMS #19. Life doesn't need to begin at retirement. Here's why. 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 Bay Area Financial Planner with GraystoneAdvisor.com , and Trishul is an East Coast Wealth Manager ( InvestingForever.com ). MindMoneySpectrum.com and YouTube .…
Despite a generation of no real wage growth, how could wages increase? Trishul examines why wages have stayed flat on a REAL inflation-adjusted basis over the last couple of generations. Globalization, tax law, and legislation favoring corporations have combined to increase wealth inequality and suppress wage growth. And Trishul sees no reason for it to change moving forward. Aaron argues that rewarding productivity and stability will be mutually beneficial to both employers and employees, rather than trying to extract all excess value. We'll see who's right in 40 years. Episode References MMS #141. The Unrealized Gains Loophole MMS #132. Why would you ever want to be a W-2 employee anymore? MMS #98. Why do the rich keep getting richer? The shocking truth behind the Pandora Papers. MMS #86. How does your True Tax Rate compare with the wealthiest Americans? MMS #37. How to get rich and never pay a dollar in taxes. Federal Reserve Board: Survey of Consumer Finances Distribution of Wealth in the US EPI: Retirement in America Household Wealth Trends Government Revenue Census S&P 500 vs CPI 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 Bay Area Financial Planner with GraystoneAdvisor.com , and Trishul is an East Coast Wealth Manager ( InvestingForever.com ). MindMoneySpectrum.com and YouTube .…
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 plan would address wealth inequality by taxing unrealized gains. A Forbes article provides numerous critiques, and Trishul and Aaron try to address each point. Episode References Forbes: Unrealized Gains Tax is "Capital Punishment" MMS #86: Tax Rates MMS #70: State Taxes MMS #27: UBI MMS #37: Never Pay Taxes MMS #38: U.S. Taxes ProPublica: America's Highest Incomes and Taxes Revealed Lamar Hunt's Estate 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 Bay Area Financial Planner with GraystoneAdvisor.com , and Trishul is an East Coast Wealth Manager ( InvestingForever.com ). MindMoneySpectrum.com and YouTube .…
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 larger down payment to lower the monthly mortgage? Is it dependent on the growth assumptions of various asset classes or the behavior and discipline of individuals? Episode References MMS #31: Is Real Estate just a real pain? Or are the psychological benefits worth the costs? MMS #139. Rent-Seeking Exposed: Hidden Costs of Modern Life US Population over time Chloe Moore: Renting vs Buying 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 Bay Area Financial Planner with GraystoneAdvisor.com , and Trishul is an East Coast Wealth Manager ( InvestingForever.com ). MindMoneySpectrum.com and YouTube .…
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 education have all increased more than incomes, and rent-seeking is partially to blame. They look at how the U.S. government has incentivized individuals at the expense of society as a whole. Episode References MMS #26. Practical advice on navigating a dysfunctional healthcare system. MMS #85: Real Estate MMS #28: Education Rent-seeking Reuters: Record Home Prices Population Demographics MLS Lawsuit Japan Housing Prices Price Elasticity Cartel South Korea Population Decline 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 Bay Area Financial Planner with GraystoneAdvisor.com , and Trishul is an East Coast Wealth Manager ( InvestingForever.com ). MindMoneySpectrum.com and YouTube .…
How snowboarding in Park City influenced the genesis of Graystone Advisor In 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 to see where the client's money went and how understanding fees is important. There will always be conflicts of interest, but if you are open and transparent about incentives, you can start down the path of trying to do better. Episode References Non-Traded REIT Blue Vault Report Investing Forever - Follow the Money Fee-Only Network: Trishul Patel Fee-Only Netowrk: Aaron Agte NAPFA: NAPFA: Aaron Agte XYPN: Aaron Agte XYPN: Trishul Patel Investing Forever - Three Key Benefits 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 Bay Area Financial Planner with GraystoneAdvisor.com , and Trishul is an East Coast Wealth Manager ( InvestingForever.com ). MindMoneySpectrum.com and YouTube .…
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 downright wrong. Anytime we hear passive investing, real estate, crypto, or "Don't invest in your 401k", we immediately assume the video has some ulterior motive. Episode References MMS #3: Does money buy happiness? Trishul Patel - CRD Investing Forever Advisory - CRD Aaron Agte - CRD Graystone Advisor, LLC - CRD BrokerCheck - FINRA 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 Bay Area Financial Planner with GraystoneAdvisor.com , and Trishul is an East Coast Wealth Manager ( InvestingForever.com ). MindMoneySpectrum.com and YouTube .…
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 individual, corporate, and state levels? How does AI affect different jobs? How does AI interact with capitalism in America? If 80% of society is unemployed, how do individuals and society thrive? Episode References David Shapiro YouTube MMS #135. Aaron and Trishul discover the meaning of life. MMS #131. We don't need no education. MMS #121. The robots are here! Now what? MMS #122. The robots are here! Seriously, now what!? MMS #123. I, for one, welcome our new AI robot overlords. MMS #126. The robots are here! Are humans finished? MMS #27. Can a Universal Basic Income really pay for itself? Ikigai Perplexity Self-Determination Theory Living Deliberately 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 Bay Area Financial Planner with GraystoneAdvisor.com , and Trishul is an East Coast Wealth Manager ( InvestingForever.com ). MindMoneySpectrum.com and YouTube .…
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 adulthood? Aaron and Trishul explore these questions, delving into Maslow's Hierarchy of Needs. They contrast the past, where activities fulfilled both basic and self-fulfillment needs, with a future where self-esteem must be cultivated separately from safety and security. With all needs provided for, the quest becomes: How do we discover our purpose? And crucially, how do we impart this quest for purpose to the next generation? Episode References MMS #3: Does money buy happiness? What is the Rabbit? Maslow's Hierarchy of Needs Tesla Robot Folding Shirt 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 Bay Area Financial Planner with GraystoneAdvisor.com , and Trishul is an East Coast Wealth Manager ( InvestingForever.com ). MindMoneySpectrum.com and YouTube .…
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 the affordability of items increases, they explore strategies to avoid overconsumption, considering not only the physical space it occupies but also its broader impact on life. They propose a thought-provoking idea: true wealth comes from desiring less than what you own, understanding that no quantity of material possessions can surpass the happiness brought by appreciating what you already have. Episode References MMS #3: Does money buy happiness? MMS #65: The most important financial advice in your 20's MMS #112: Here's why you need to spend more 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 Bay Area Financial Planner with GraystoneAdvisor.com , and Trishul is an East Coast Wealth Manager ( InvestingForever.com ). MindMoneySpectrum.com and YouTube .…
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 to sell stock for their lifestyle. Trishul weighs in with the concept of 'homo economicus' and frameworks for handling concentrated stock positions. They delve into the emotional journey of such financial decisions. What's the impact of holding onto stock through a crash, or selling it and seeing it soar? Join us for a deep dive into the complex interplay of finance, emotion, and life-changing choices. Episode References Meg Bartelt - Giant Pile of Company Stock What to do after a windfall? Homo Economicus Graystone Advisor: Buying Stocks For Fun 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 Bay Area Financial Planner with GraystoneAdvisor.com , and Trishul is an East Coast Wealth Manager ( InvestingForever.com ). MindMoneySpectrum.com and YouTube .…
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 benefit-related decisions made for them, they also have to take the employer's choices. A psychological growth mindset can help. Do you prefer "Entrepreneur's GET to figure everything out for themselves" or "Entrepreneurs HAVE to figure out everything for themselves"? The world may be moving towards the latter whether you like it or not. Episode References MMS #129: Ideal day, week...and societal expectations? Motley Fool: 1099 vs W-2 Forbes: W-2 vs 1099 Neil deGrasse Tyson: Let the kid grab the egg Quickbooks: 1099 vs W-2 Kitces: S-Corp reduces self-employment taxes 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 Bay Area Financial Planner with GraystoneAdvisor.com , and Trishul is an East Coast Wealth Manager ( InvestingForever.com ). MindMoneySpectrum.com and YouTube .…
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 who are hard-working and ambitious early in their careers, there are a few different ways to enact a mindset shift to allow them to pursue the freedoms they want in life. Trishul further argues that our current education system pushes students towards being a cog within a large organization and that a better education system might allow more people to pursue their passions earlier in life. Episode References MMS #129: Ideal day, week...and societal expectations? MMS #130. Manage expectations to cultivate your ideal year. Jeff Sandefer TED Talk How to Seek Validation from Within The Gap and the Gain Adam Smith The Wealth of Nation 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 Bay Area Financial Planner with GraystoneAdvisor.com , and Trishul is an East Coast Wealth Manager ( InvestingForever.com ). MindMoneySpectrum.com and YouTube .…
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