The Mind Money Spectrum Podcast

Hosted by Aaron Agte and Trishul Patel

Business Careers Education

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Episodes

161

Latest episode

May 2026

Language

EN-US

About the show

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.

Listen to episodes

60 recent

June 16, 2026Episode 61 hr 5 min

#162. What if maintenance is the point?

Slack in the system can help manage the anxieties modern technology creates in our lives.Trishul spends most of his day on maintenance like sleeping, eating, exercising, and raising kids, and by the time he takes care of everything required just to function there is not much time left. And he is already financially independent. We tend to think money is the main constraint on our time, but even when money is no longer an issue life is still full of upkeep. Technology gives us the ability to do more than ever, but it does not remove the human necessities. Reducing stress may come less from optimizing every moment and more from embracing maintenance and boredom.Episode ReferencesMMS #74. This hidden benefit of financial independence changes everything.MMS #19. Life doesn't need to begin at retirement. Here's why.MMS #15. George Kinder: Three life questions that will change everything.MMS #129. Ideal day, week...and societal expectations?MMS #130. Manage expectations to cultivate your ideal year.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.

May 12, 2026Episode 553 min

#161. Don't wait until retirement to live your life.

What are the non-financial aspects you need to plan for five years before retirement?Retirement isn’t the end. It will last decades, and five years before you retire is when you should start thinking about what you actually want that life to look like. Most people focus on what they’re retiring FROM, but the better question is what are you retiring TO? When you start thinking about your ideal lifestyle, your community, your home, how you spend your time, and whether work still plays a role, you may realize something important. You don’t have to wait. You can start living that life now.Episode ReferencesMMS #6. The difference between well-being and happiness and why you need to choose to be happy to actually be happy.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 #15. George Kinder: Three life questions that will change everything.MMS #129. Ideal day, week...and societal expectations?MMS #130. Manage expectations to cultivate your ideal year.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.

April 14, 2026Episode 41 hr 2 min

#160. Mistakes people make five years before retirement

You're already won. It's time to take some risk off the table.Five years before retirement is when real planning begins. This is the time to shift from pure growth to an income strategy, reduce sequence of returns risk, and design a withdrawal plan that supports your lifestyle. We’ll cover portfolio transitions, withdrawal rates, and decumulation strategies so you can retire with confidence instead of guesswork.Episode ReferencesMMS #5. The 4% rule is a good start, but betting your life on it can burn you.MMS #12. Sequence of Returns Risk: Why the first few years of withdrawals are the most critical.MMS #29. Want to retire before you turn 70? Tee up big savings with these tips.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.

March 17, 2026Episode 31 hr 5 min

#159. We need more humans.

How does a shrinking population affect the stock market?Stock market growth comes from economic growth plus leverage. Economic growth comes from population growth plus productivity growth. Population growth comes from fertility rates and immigration. But what happens when a population stops having children? What does that mean for the economy and, ultimately, the stock market?Aaron and Trishul walk through the data behind global population trends, using Japan as a cautionary example.Episode ReferencesMMS #157. What the hell is jobless growth?MMS #119. What if we live forever?Global GDPWorld PopulationGlobal Fertility RateUS PopulationUS Fertility RateJapan PopulationEurope Fertility RateData InsightsPew Research: Pop Growth in 100 YearsLife ExpectancyBirth Rate By CountryGDP By CountryFertility RatesLargest Countries by GDPNIKKEIACWIAaron 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.

February 17, 2026Episode 11 hr 18 min

#158. Wealth Manager predicts AI will end real estate

Trishul sold his New Jersey rental property, while Aaron is keeping his San Diego rental home. Why?Real estate has delivered strong returns for generations, but Trishul believes the dynamics that made it successful are changing and won’t necessarily benefit future generations. Aaron pushes back, arguing that when investors focus on “location, location, location,” real estate can still play an important role in diversifying generational wealth.Episode ReferencesMMS #155. Future Jobs for KidsMMS #13. Is real estate just a big pain?MMS #85. Everything about real estate investingMMS #110. Inflation and deflation at onceMMS #27. UBI for free?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.

January 13, 2026Episode 11 hr 1 min

#157. What the hell is jobless growth?

The economy is expanding, yet we aren’t creating new jobs. What does that mean for the next generation?For most of economic history, rising GDP has gone hand-in-hand with hiring. But AI and advanced technology are breaking that pattern, letting companies grow without adding workers. In this episode, two financial advisors discuss how to help children prepare for adulthood in this environment and imagine different paths society could go down.Episode ReferencesMMS #155. Future Jobs for KidsMMS #156. Should your daughter go to Cornell or NotCornell?MMS ##27. Can a Universal Basic Income really pay for itself?You want to be a millionaire?Ronny Chieng: MAGAAaron 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.

December 9, 2025Episode 121 hr 8 min

#156. Should your daughter go to Cornell or NotCornell?

If your child has a free ride to multiple universities, how would you help them decide which school and major?Two financial advisors try to separate the value of higher education from all the ancillary benefits of college. If every course lecture is available online for free, should college cost so much? Are the fuzzier benefits worth the tuition and room and board? Would you be better going to NotCornell for half the cost?Episode ReferencesMMS #131. We don't need no education.MMS #87. What's the smart way to fund a college education these days?MMS #28. Is a million dollar higher education worth it? Your kids may not think so.Accepted (movie)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.

November 11, 2025Episode 111 hr 4 min

#155. Future Jobs for Kids

What recommendations would you give a high schooler to prepare them for their working career?Aaron starts with the question of what college major would you recommend to a high schooler to prepare them for their working career? Trishul immediately questions whether college is even worth it. If both agree that entrepreneurship makes the most sense, how do you encourage teenagers to develop the necessary skills and ambition. Is work experience more valuable than education and networking?Episode ReferencesMMS #142. Wages will never increase again. Here's why.MMS #132. Why would you ever want to be a W-2 employee anymore?MMS #123. I, for one, welcome our new AI robot overlords.MMS #122. The robots are here! Seriously, now what!?MMS #28. Is a million dollar higher education worth it? Your kids may not think so.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.

October 14, 2025Episode 101 hr 4 min

#154. Seasonal Financial Planning: Focusing on the Right Topics at the Right Time

Financial planners use the seasons to guide which annual topics to focus on.Managing all your financial tasks can feel daunting and overwhelming. Good financial planning helps identify the priorities that need to be taken care of first. It also uses the seasons and various deadlines as themes for deciding which topics to work on. By taking one step at a time, it’s not long until your entire financial picture is running like a well-oiled machine.Episode ReferencesMMS #130. Manage expectations to cultivate your ideal year.MMS #103. Don't miss out on big savings during Open Enrollment Season.MMS #107. It's a new year! So now what?MMS #100. ISO University: Your guide to navigating ISOs in a pre-IPO company.MMS #120. Planning for downtime during the holiday seasonMMS #117. Aaron teaches Trishul how to play fantasy football.MMS #111. The math behind March Madness and Buffett's Billions.Carl Richards, Next Smallest ActionAaron 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.

September 16, 2025Episode 957 min

#153. Life Planning Lessons from a Vacation That Went Too Long

Aaron shares the story of how his family stretched their vacation just a little too much. They added a few days to fit in Padres games or save money on flights. But there came a point they just wanted to sleep in their own bed and walk the dog. Using the life planning exercise of your ideal day, week, and year can help design a routine that you enjoy and make better intentional decisions for your time.Episode ReferencesMMS #129. Ideal day, week...and societal expectations?MMS #130. Manage expectations to cultivate your ideal year.MMS #147. After FIRE: Why this Wealth Manager won’t retire.The Berenstain Bears - Too Much VacationAaron 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.