The Mind Money Spectrum Podcast

Hosted by Aaron Agte and Trishul Patel

Business Careers Education

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Episodes

164

Latest episode

Aug 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

August 11, 2026Episode 81 hr 7 min

#164. Which one of us is the weird one?

Does Trishul ever feels the highs Aaron experiences while coaching sports? Aaron loves sports: playing, watching, coaching, all of it. For him, few moments compare to seeing a young player finally succeed after weeks of practice, frustration, and failure. Trishul, on the other hand, does not seem to experience those same emotional highs or the lows that come with them. So which experience is more common? How much do these emotional peaks and valleys shape our happiness and well-being? And should we seek them out, or simply accept that people find meaning and fulfillment in very different ways? Episode References MMS #153. Life Planning Lessons from a Vacation That Went Too Long MMS #135. Aaron and Trishul discover the meaning of life. MMS #120. Planning for downtime during the holiday season MMS #117. Aaron teaches Trishul how to play fantasy football. MMS #111. The math behind March Madness and Buffett's Billions. MMS #105. Which life lessons matter the most to your long-term success? MMS #91. Why did Trishul and Aaron choose lifestyle practices? City of Arts and Sciences - Valencia 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 .

July 14, 2026Episode 71 hr 1 min

#163. Will AI kill public stocks?

Will AI allow people to build billion dollar companies without raising capital? Or will the demand for stocks persist? If AI gets to a point where agents can replace employees and office space, do you need to raise capital to grow a business? Trishul and Aaron walk through the history of publicly traded companies and stock exchanges, discussing the purpose of stocks across different eras. While it may become possible to build a billion-dollar venture without employees, the incentives for liquidity and diversification should allow public stocks to thrive. Episode References MMS #158. Wealth Manager predicts AI will end real estate MMS #141. The Unrealized Gains Loophole MMS #128. The mutual fund industry is changing. Here's how. SEC Regulations Vanguard VT ETF East India Company 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 .

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 References MMS #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 References MMS #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 References MMS #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 References MMS #157. What the hell is jobless growth? MMS #119. What if we live forever? Global GDP World Population Global Fertility Rate US Population US Fertility Rate Japan Population Europe Fertility Rate Data Insights Pew Research: Pop Growth in 100 Years Life Expectancy Birth Rate By Country GDP By Country Fertility Rates Largest Countries by GDP NIKKEI ACWI 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 .

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 References MMS #155. Future Jobs for Kids MMS #13. Is real estate just a big pain? MMS #85. Everything about real estate investing MMS #110. Inflation and deflation at once MMS #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 References MMS #155. Future Jobs for Kids MMS #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: MAGA 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 .

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 References MMS #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 References MMS #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 .