Investing Vs Real Estate Vs Crypto Debate: The Retirement Crisis Is Coming & They’re Lying To You About Renting!

401 snips

Sep 15, 2025

Guest

Humphrey Yang

Guest

Raoul Pal

Financial experts Raoul Pal, a former hedge fund manager and CEO of Real Vision, and Humphrey Yang, a personal finance creator, dive into money habits that lead to wealth. They tackle why saving won’t make you rich and reveal the best skill to escape financial woes. The duo argues that renting might be smarter than buying a home, especially in today's market. They highlight the looming pension crisis for millennials and discuss the risks and potential of crypto and AI in reshaping the financial landscape.

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Invest In Your Network And Skills

Invest in your network and skills to increase earning power over time.
Make deliberate bets on yourself early when you can take more risk and learn by trying different jobs.

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Track Spending For 30–90 Days

Track your expenses for 30–90 days to see where your money actually goes.
Use that awareness to find a gap between income and spending and start saving that difference.

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Pick A Style Based On Effort

Choose between hands-off advice, passive index investing, or active investing based on willingness to work.
Small active edges compound hugely over decades, so effort level matters for returns.

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