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Jay Shetty PodcastJay Shetty Podcast

MONEY EXPERTS: If I Had to Start at $0 Today...This is EXACTLY How I'd Make REAL Money

Today, we will explore one of the most emotionally charged and misunderstood topics of our time: money. Not just how to make it, but how to build a healthy, grounded, and spiritually aligned relationship with it. You’ll hear raw insights from leaders like Scott Galloway, Jaspreet Singh, Codie Sanchez, and Lewis Howes, each offering a window into the habits, mindsets, and blind spots that keep us feeling financially stuck. From the shame many of us carry around saving to the ways our education system failed to prepare us, this episode reveals why so many people feel overwhelmed by finances and why that struggle is more normal and more solvable than we think. Scott Galloway explains why saving feels impossible today and why young people need discipline, forced systems, and a focus on building human capital. Jaspreet Singh breaks down the habits that keep people financially stuck, overspending, blind trust in the system, and not understanding how money works, and shares how he learned that real wealth comes from owning assets. Codie Sanchez simplifies the risk, reward equation, urges beginners to start with low-cost index funds, and reminds us that the highest-return investment is always in ourselves. Lewis Howes brings the spiritual side of money to life, showing how healing our relationship with money opens the door to abundance, gratitude, and new opportunities. In this episode, you'll learn: How to Build a Realistic Saving System How to Create Forced Savings That Actually Work How to Shift From Spending to Investing How to Break Free From the Poverty Mindset How to Build Wealth Through Equity, Not Salary How to Strengthen Your Relationship With Money You don’t need to have everything figured out to begin. You don’t need the perfect plan, perfect timing, or perfect background to build a healthier relationship with money. What matters is your willingness to learn, to question old patterns, and to try again even when things feel overwhelming. With Love and Gratitude, Jay Shetty. Join over 750,000 people to receive my most transformative wisdom directly in your inbox every single week with my free newsletter. Subscribe here. Check out our Apple subscription to unlock bonus content of On Purpose! https://lnk.to/JayShettyPodcast What We Discuss: 00:00 Intro 00:55 Building a Framework for Realistic, Healthy Saving 06:19 Why Saving Feels Harder Than Ever 13:27 The Three Habits That Keep You in a Poverty Mindset 33:51 Why You Need Both Vision and Execution to Build Wealth 37:16 Why Investing in Yourself Comes First 41:07 Stocks and Bonds Explained Simply 43:52 Stepping Into the World of Private Investing 45:03 The #1 Shift That Can Transform Your Financial Future 48:36 Giving Yourself Permission to Explore Possibilities 54:53 How to Create a Respectful Relationship With Money 01:04:12 The Power of Living Beneath Your Means 01:06:54 The Hidden Costs of Chasing Easy Money Episode Resources: https://www.instagram.com/jayshetty https://www.facebook.com/jayshetty/ https://x.com/jayshetty https://www.linkedin.com/in/shettyjay/ https://www.youtube.com/@JayShettyPodcast http://jayshetty.me

Scott GallowayguestJaspreet SinghguestLewis Howesguest
Dec 9, 20251h 9mWatch on YouTube ↗

At a glance

WHAT IT’S REALLY ABOUT

Money experts share disciplined, realistic steps to earn, save, invest

  1. Scott Galloway argues that saving starts with having something to save, and that reclaiming 8–10 hours a week from distractions plus automating “forced savings” is more reliable than willpower.
  2. They explain why saving feels harder today—high costs, stagnant affordability (especially housing), and constant consumption marketing—and why younger people need realistic, short-term goals and self-forgiveness while “workshopping” in their 20s.
  3. Jaspreet Singh outlines three poverty-mindset traps: only spending/saving (no investing), blindly following the traditional system, and not understanding money as a weak store of value under inflation—pushing a shift toward ownership and equity.
  4. Galloway gives a simple investing ladder: invest in yourself first, then low-cost diversified index funds, then private/alternative investments, and ultimately build/buy businesses—while warning against gamified trading and options for non-pros.
  5. Lewis Howes reframes wealth as a respectful relationship with money—using intention-setting and gratitude as attention-training—paired with practical principles like living beneath your means and avoiding “easy money” temptations.

IDEAS WORTH REMEMBERING

5 ideas

You can’t save your way out of $0—start by earning, then automate saving.

Galloway’s framework begins with creating income (any job/hustle) and immediately routing 3–5% (or more) into a tax-advantaged, low-cost vehicle so it never hits your spending account.

Reclaiming 8–10 hours weekly is a hidden wealth lever.

The episode frames time as young people’s main “human capital”; redirecting hours from doomscrolling/gaming into skill-building, extra work, or health compounds into higher earning power and better decisions.

Make goals realistic and monthly to build the saving muscle.

Instead of aiming for an annual number you’ve never hit, set a small monthly target, systematize it, and let consistency—not intensity—drive progress.

Saving alone can be negative growth when inflation exceeds interest.

Singh emphasizes that cash in low-yield accounts loses purchasing power; savings should be strategic (emergency fund, near-term purchase, or deployment into investments).

Shift from “worker-only” to “owner” thinking to build wealth.

The conversation repeatedly contrasts earning wages with owning equity—whether via broad-market index funds, real estate, private equity, or ultimately owning a business.

WORDS WORTH SAVING

5 quotes

Well, the first thing, you have to have something to save. There's just no getting around it.

— Scott Galloway

It is nearly impossible for a young person to save money if it comes through their hands, if they get their hands on it.

— Scott Galloway

What I tell young people is you can have it all, you just can't have it all at once.

— Scott Galloway

Every day that you save your money in the bank, you are slowly becoming poorer each and every day, and most of us never see it happen.

— Jaspreet Singh

People waste money on looking rich instead of being rich, and that is a cultural phenomenon that I think is eroding our wealth as society.

— Scott Galloway

Forced savings and automation (401k/IRA/Roth, round-ups)Time reallocation from distractions to earning and self-improvementCost-of-living pressures and housing affordability reality checkPoverty mindset vs ownership/equity mindsetInvesting basics: index funds, diversification, stocks vs bondsPrivate investing, alternatives, and business ownershipMoney psychology: intention, gratitude, scarcity, and “looking rich” traps

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