Jay 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

SGScott GallowayguestJSJaspreet SinghguestLHLewis Howesguest

Dec 10, 2025·1h 9m·Watch on YouTube ↗

📖 CHAPTERS

1. 1

   Why most people chase wealth without learning the rules

   Jay frames the episode around a core problem: people are encouraged to pursue wealth while lacking basic financial literacy. The promise of “get rich quick” content is contrasted with the real drivers of freedom—discipline, risk management, and understanding money systems.

2. 2

   Healthy saving starts with earning more—and reclaiming your time

   Scott Galloway argues that saving isn’t primarily about willpower; it begins with having income to save. He recommends auditing distractions (especially phone time) and redirecting that time toward building skills, health, and income.

3. 3

   Forced savings and automation: the system that beats willpower

   Scott explains that modern consumer systems are engineered to extract money the moment it hits your account, making manual saving difficult. His solution is “forced savings”: automatic transfers into tax-advantaged or low-cost diversified investments before you can spend it.

4. 4

   Why saving feels harder now: cost of living, housing, and “giving up” on old dreams

   Scott describes structural headwinds that make saving discouraging, especially housing inflation and higher interest rates. He notes a cultural shift: as homeownership feels unattainable, some younger people pivot toward travel and short-term experiences instead.

5. 5

   The mindset reset for your 20s: workshopping, trade-offs, and building a ‘kitchen cabinet’

   Scott emphasizes that many people struggle early on, and that’s normal—your 20s are for experimenting and learning. He recommends building a trusted circle of advisors, working hard, and making realistic trade-offs between lifestyle expectations and income needs.

6. 6

   Three habits that keep people broke: the ‘two S’s,’ blind trust, and money illiteracy

   Jaspreet Singh outlines three common traps: spending or saving everything, following the traditional path without questioning it, and not understanding how money works. He argues that many people lack any plan—leading to low savings and near-zero investing.

7. 7

   Why savings alone don’t build wealth: inflation, strategy, and the role of cash

   Jaspreet explains that inflation can erode cash savings, meaning you may get poorer in real terms even while your bank balance rises. He clarifies that cash still matters—but should be saved with purpose, not as the primary wealth vehicle.

8. 8

   Ownership over climbing: learning the ‘real’ system through assets and equity

   Using his first real estate deal, Jaspreet illustrates the psychological shift from wage dependence to asset ownership. He argues the path to wealth is less about climbing the corporate ladder and more about owning pieces of productive assets (equity).

9. 9

   Vision + execution, and why taking smart risks is essential to building wealth

   Scott returns with a framework: vision without execution fails, execution without vision stays small. He adds that modern culture has become “risk-off,” avoiding rejection and uncertainty—yet risk is a prerequisite for outsized financial outcomes.

10. 10

    A simple investing ladder: invest in yourself, then index funds, then private markets, then businesses

    Scott lays out a step-by-step path for beginners: start with skills (your highest-return asset), move into diversified low-cost index funds, graduate to private/alternative investing when experienced, and ultimately consider owning or buying businesses.

11. 11

    Stocks vs. bonds (explained simply) and how diversification protects you

    Scott gives a plain-English explanation: stocks offer upside participation in company growth, while bonds provide steadier income-like returns. Diversification mixes assets and geographies to reduce reliance on any one outcome and smooth volatility over time.

12. 12

    Pay yourself first: automation, a 10% target, and the trap of ‘looking rich’

    Scott argues investing should be treated like a non-negotiable necessity, best enforced through automation. He warns that social media lifestyle signaling drives harmful spending and debt—trading long-term stability for short-lived status.

13. 13

    Money as a relationship: intentions, gratitude, and being open to opportunities

    Lewis Howes reframes money as a relationship you can improve through awareness and respect. Through “experiments” and a manifestation-like practice, he argues intention trains attention—helping you notice opportunities and act on them, not magically bypass effort.

14. 14

    Living beneath your means and the hidden costs of chasing easy money

    Lewis emphasizes that “winning” is feeling abundant while spending less than you earn, and understanding the consequences of splurges and debt. He warns that chasing quick wins and hacks often leads to losses, stress, and recurring money wounds.