Best Trishul Patel Podcasts (2025)

1
#149. More Money Than You Need? Smart Ways to Use It. 58:12

8h ago58:12

58:12

Safe withdrawal rates often lead to having more money than you need. What then? Trishul achieved FIRE and then built a business that now sustains his lifestyle. He knows he's on track to have more money than he needs. Aaron and Trishul discuss how it feels to be in this position and what to do next. Adjusting to this new phase can take years—and ma…

1
#148. Why Smart Advisors Don’t Care About Market Drops. 1:07:25

1M ago1:07:25

1:07:25

Whether the stock market is up or down, Trishul and Aaron have developed the super power to not care. Stock market downturns often trigger fear among investors. But Aaron and Trishul have developed the ability to simply not care about stock market volatility. It comes from a combination of resilience through multiuple downturns, acknowledging the l…

1
#147. After FIRE: Why this Wealth Manager won’t retire. 1:03:30

2M ago1:03:30

1:03:30

Trishul's journey from FIRE to lifestyle practice. Trishul Patel achieved FIRE by building teams to solve problems. After reaching financial independence, his desire to help others led him to accidentally create an lifestyle practice. Now, he focuses on keeping it from growing too large, ensuring it doesn’t interfere with the hobbies he finds most …

1
#146. A Financial Planner's Journey: from Engineer to Hedge Fund Manager 1:05:52

3M ago1:05:52

1:05:52

Trishul's journey from engineer to hedge fund manager. How does an engineer become a hedge fund manager? Trishul Patel shares his journey from engineering to wealth management, bringing his analytical mindset into the world of finance. In this episode, he dives into the key moments of his career and explains how foundational concepts like compoundi…

1
#145. Retirement Risks You’re Overlooking (It’s NOT About Money!) 55:58

4M ago55:58

55:58

You need to build your own routine to thrive in retirement. People often retire with the idea of spending their time doing "whatever they want, whenever they want." However, this lack of structure can lead to a negative spiral, potentially resulting in health issues such as depression. To truly thrive in retirement—whether in your 40s or 60s—you ne…

1
#144. What Financial Independence in Your 40's Really Looks Like 1:01:01

5M ago1:01:01

1:01:01

Trishul is in his 40's and has achieved FIRE. Aaron is also in his 40's, but is not financially independent. Yet they both lead similar lives. What's the difference? Trishul achieved FIRE and began writing a blog to help friends and family make better financial decisions. This eventually led to starting a lifestyle practice as a financial advisor. …

1
#143. FIRE with Kids? Here's How to Make It Work! 53:40

6M ago53:40

53:40

Parents teach hard worth through their actions, not their employment. Trishul has achieved FIRE and is a parent. Aaron describes clients who have achieved financial independence, but still have kids at home for another decade. You teach kids the value of hard work, not through your employment, but through the same activities that make your life ful…

1
#142. Wages will never increase again. Here's why. 1:03:06

7M ago1:03:06

1:03:06

Despite a generation of no real wage growth, how could wages increase? Trishul examines why wages have stayed flat on a REAL inflation-adjusted basis over the last couple of generations. Globalization, tax law, and legislation favoring corporations have combined to increase wealth inequality and suppress wage growth. And Trishul sees no reason for …

1
#141. The Unrealized Gains Loophole 1:23:14

8M ago1:23:14

1:23:14

Addressing criticisms of Kamala Harris's Unrealized Gain tax plan. The ultra-wealthy pay a lower tax rate than wage earners, meaning the US has a regressive tax system rather than the intended progressive tax system. Kamala Harris's tax plan would address wealth inequality by taxing unrealized gains. A Forbes article provides numerous critiques, an…

1
#140. Buying a home is not an investment, it's location, location, location 1:14:22

9M ago1:14:22

1:14:22

Rent or buy? How much as a down payment? Most Americans have most of their net worth in their home equity. In this episode, Aaron and Trishul discuss the pros and cons of making a down payment and buying a home. Is it worth making a larger down payment to lower the monthly mortgage? Is it dependent on the growth assumptions of various asset classes…

1
#139. Rent-Seeking Exposed: Hidden Costs of Modern Life 1:09:56

10M ago1:09:56

1:09:56

How U.S. government incentives create rent-seeking. In economics, rent-seeking is extracting wealth without adding value. Trishul provides data and examples of how rent-seeking has made lives harder. Home prices, healthcare, and education have all increased more than incomes, and rent-seeking is partially to blame. They look at how the U.S. governm…

1
#138. Financial Planner tells a story of why Fee-Only matters 1:02:14

11M ago1:02:14

1:02:14

How snowboarding in Park City influenced the genesis of Graystone Advisor In this episode, Aaron shares his story of attending due diligence conferences to learn about non-traded REITs. While it was nice to be wined and dined, he started to see where the client's money went and how understanding fees is important. There will always be conflicts of …

1
#137. You can't pay someone for free money. 1:06:52

1y ago1:06:52

1:06:52

The red flags of TikTok financial videos. In this episode, Trishul and Aaron discuss the problem of trying to pare down financial advice to soundbites. TikTok financial videos can contain red flags ranging from likely inappropriate to downright wrong. Anytime we hear passive investing, real estate, crypto, or "Don't invest in your 401k", we immedia…

1
#136. David Shapiro: How can we prepare for the Fourth Industrial Revolution? 1:25:03

1y ago1:25:03

1:25:03

Bring on 80% unemployment! In this episode, David Shapiro joins Trishul and Aaron to discuss AI and the Fourth Industrial Revolution. Where are we now with technology and society, and where are we going? What is the future of AI at the individual, corporate, and state levels? How does AI affect different jobs? How does AI interact with capitalism i…

1
#135. Aaron and Trishul discover the meaning of life. 1:04:03

1y ago1:04:03

1:04:03

If a Tesla robot can fold your laundry (and do all the other chores), how do you spend your time? What do you take pride in? In a world where robots handle our chores, what becomes of human time? How should we guide children into adulthood? Aaron and Trishul explore these questions, delving into Maslow's Hierarchy of Needs. They contrast the past, …

1
#134. Stuff. Lots and lots of cheap stuff. 1:06:31

1y ago1:06:31

1:06:31

Stuff is cheap. You should spend more on experiences. In this episode, Trishul and Aaron dive into the world of "stuff." They reflect on their spending patterns and attitudes towards material goods versus life-enriching experiences. As the affordability of items increases, they explore strategies to avoid overconsumption, considering not only the p…

1
#133. How to emotionally prepare for an IPO 1:09:21

1+ y ago1:09:21

1:09:21

How do you navigate the emotional landscape of deciding whether to sell or hold stock when there's no pressing financial goal guiding your choice? In this episode, Aaron explores a unique situation: a client facing an IPO without needing to sell stock for their lifestyle. Trishul weighs in with the concept of 'homo economicus' and frameworks for ha…

1
#132. Why would you ever want to be a W-2 employee anymore? 1:04:34

1+ y ago1:04:34

1:04:34

W-2 employees can still have an entrepreneurial mindset, right? In this episode, Trishul and Aaron examine mechanical differences between W-2 employees and self-employed individuals, including contractors. While W-2 employees get several benefit-related decisions made for them, they also have to take the employer's choices. A psychological growth m…

1
#131. We don't need no education. 1:12:30

1+ y ago1:12:30

1:12:30

Education is designed to produce employees, not entrepreneurs. In this episode, Aaron and Trishul reflect on whether their advice applies to most people. Not everyone can structure their calendars like small business owners. For those who are hard-working and ambitious early in their careers, there are a few different ways to enact a mindset shift …

1
#130. Manage expectations to cultivate your ideal year. 1:10:31

1+ y ago1:10:31

1:10:31

Ideal year and managing expectations. In this episode, Trishul and Aaron continue the exercise of "Ideal Day, Week, and Year." Aaron clarifies his thoughts regarding the differences between his ideal day and week. They discuss the relationship between discipline and freedom and how embracing both allows you to find a balance. They end up discussing…

1
#129. Ideal day, week...and societal expectations? 1:09:41

1+ y ago1:09:41

1:09:41

Ideal day, week, and year...but really why life is so hard. In this episode, Aaron and Trishul begin an exercise to imagine their ideal day, week, and year. What does your perfect Monday look like? What might be too much for every day but sensible for once a week? They discuss the reasons why their model day feels so good. But then, they delve into…

1
#128. The mutual fund industry is changing. Here's how. 1:19:00

1+ y ago1:19:00

1:19:00

Understanding mutual fund share classes helps transparency in financial services. In this episode, Trishul and Aaron discuss mutual fund shares classes and the evolution of mutual funds over the last forty years. They describe how stock brokers transitioned to financial advisors and how the Internet improved investor education. Consumer demand and …

1
#127. When it is okay to not save enough? 58:20

2y ago58:20

58:20

Aaron and Trishul think it's okay not to save. WHAT?!?! In this episode, Aaron and Trishul discuss scenarios when it is okay not to save for the future. When is traditional financial planning too conservative? When taking a life planning approach, it's okay to prioritize well-being over prudent financial decisions. It may require future flexibility…

1
#126. The robots are here! Are humans finished? 1:17:23

2y ago1:17:23

1:17:23

When AI becomes more intelligent than humans, is humanity doomed? In this episode, Trishul prepares Aaron for when Artificial Intelligence becomes Artificial General Intelligence and the ensuing implications for humanity. He explains inner alignment and outer alignment problems and how capitalism and the prisoner's dilemma may mitigate AI creators …

1
#125. If you have NSOs, you need to listen to this episode. 59:57

2y ago59:57

59:57

How do you decide when to sell your NSOs? In this episode, Aaron uses the Netflix Employee Stock Option Plan to explain how to decide when to sell NSOs. Just because the stock price has appreciated doesn't mean you should cash out now. Options have both moneyness and time value. Aaron explains leverage to help understand when an option is sufficien…

1
#124. Are my bank desposits safe? 1:16:20

2y ago1:16:20

1:16:20

What happens to Silicon Valley Bank customers and will this affect my cash? What does the failure of Silicon Valley Bank mean? On 3/15/23, Aaron and Trishul answer client questions regarding the news about SVB. They discuss FDIC insurance and how some risk-free instruments are safer than other risk-free instruments. They address how specific regula…

1
#123. I, for one, welcome our new AI robot overlords. 1:02:37

2y ago1:02:37

1:02:37

What happens after AI replaces labor? In this episode, Trishul and Aaron imagine what happens when robots and AI put everyone out of a job. What careers could still exist? Does everyone get custom computer-generated content? If wealth inequality continues on an exponential path, what will the median household do? If the costs of everything in life …

1
#122. The robots are here! Seriously, now what!? 1:04:59

2y ago1:04:59

1:04:59

Is AI going to replace Aaron and Trishul? In this episode, Aaron and Trishul discuss the implication of ChatGPT on their (and other) careers. It will likely replace the knowledge they have gained through the CFP program and can answer most client questions directly. Just like a student can outsource a test and a CPA can outsource data entry. The fu…

1
#121. The robots are here! Now what? 1:02:58

2+ y ago1:02:58

1:02:58

Trishul and Aaron get philosophical as they consider artificial intelligence. In this episode, Aaron and Trishul planned on discussing ChatGPT. But when they go through the history of machine learning, Trishul wonders if a modern AI can pass the Turing Test, and they go down a rabbit hole of the difference between humans and machines. They ponder t…

1
#120. Planning for downtime during the holiday season 57:59

2+ y ago57:59

57:59

Creating a routine to fill the unstructured time off. In this episode, Trishul and Aaron discuss what they are going to do with their unstructured time off around the holidays. Aaron is particularly concerned with limiting screen time for his three kids. Trishul shares some of the activities he and his family did during his sabbatical and during Co…

1
#119. What if we live forever? 59:07

2+ y ago59:07

59:07

Safe withdrawal rates, fulfillment, and economic impact of an aging population. In this episode, Aaron and Trishul explore the question "What if we live forever?" They touch on the science of aging, the economic impact of an aging population, like Japan, and the ramifications on the workforce. While it may seem that supporting a long retirement may…

1
#118. Is now the right time for solar? 52:19

2+ y ago52:19

52:19

The current and future impact of going solar and electric. In this episode, Trishul and Aaron discuss the decreasing cost of solar power and whether paying the extra cash now for solar panels or electric vehicles pays off in the end. Episode References EVs save money in the long run California Electric Mandate Solar is now the cheapest in history P…

1
#117. Aaron teaches Trishul how to play fantasy football. 1:50:08

2+ y ago1:50:08

1:50:08

Everything Fantasy Football. In this episode, Aaron teaches Trishul how to play fantasy football. They use passive investing and simple behavior heuristics as analogies for auto-drafting and setting a lineup. They discuss positional scarcity, relative value, and the diminishing marginal benefit of additional research time. But in the end, it's the …

1
#116. Is Socially Responsible Investing worth it? Here's why not. 57:36

2+ y ago57:36

57:36

Is ESG investing worth extra fees and opportunity cost? There may be better ways to spend your money. In this episode, Aaron and Trishul discuss Socially Responsible Investing and ESG investing. Environmental, Social, Governance investing. They discuss the theories around how and why you you would invest in companies with objectives other than pure…

1
#115. Tax-Loss Harvesting 202: If you're really serious about it, listen here first. 59:47

3y ago59:47

59:47

Tax-Loss Harvesting is not free money, but it still has some long-term benefits. In this episode, Trishul and Aaron discuss all the nuances and caveats of tax-loss harvesting. It is definitely a good thing, but may be more of a tax-deferral than a genuine tax savings. Unless you can get a step-up in basis. The biggest benefit of tax-loss harvesting…

1
#114. The hidden dangers of Doomscrolling. 58:52

3y ago58:52

58:52

With social media, it takes practice to fight the default doomscrolling behavior. In this episode, Trishul and Aaron examine their own behaviors when it comes to social media and how it continually elicits negative emotions. Social media engines feed more negative items because these drive greater interaction across society. They discuss the balanc…

1
#113. What you shouldn't do when interest rates rise. 58:57

3y ago58:57

58:57

Most advice for dealing with rising interest rates doesn't work after the fact. All the advice of what to do during rising interest rates only applies if you went back in time and knew interest rates were going to rise in the future. Once they have already risen, there is not much you can do. But Aaron and Trishul discuss some of the things you cou…

1
#112. Here's why you need to spend more. 1:06:07

3y ago1:06:07

1:06:07

Being intentional with spending and saving can reduce stress and increase happiness. If you are on track to be financially independent, when is it ok to spend more? If you are saving well and your income keeps growing, do you scale back or use your extra to move beyond basic needs? After you are earning enough to cover regular spending and saving, …

1
#111. The math behind March Madness and Buffett's Billions. 51:27

3y ago51:27

51:27

How the math behind Buffett's Billion applies to psychology and finance. In this episode, Aaron and Trishul look at the math behind the March Madness game Buffett's Billion and the probabilities of unlikely things happening. How does Warren Buffett put up $1 Billion for a free game? While each individual underdog is more likely to lose, if enough u…

1
#110. How can inflation and deflation happen at once? 1:12:44

3y ago1:12:44

1:12:44

Deflation from technology, but prices still increase. In this episode, Aaron and Trishul discuss deflation due to improvements in technology. They use computers, TVs, and cars as analogies for real estate, education, and healthcare. Even if prices of new cars aren't going down, it's the benefits and value that have driven the increases in prices. T…

1
#109. A beginner's guide to the Alternative Minimum Tax. 1:11:01

3y ago1:11:01

1:11:01

Need to know about AMT preference items, add backs, and exclusions? And how do AMT credits work? In this episode, Trishul convinces Aaron to wade deep into AMT. They discuss Alternative Minimum Tax preference items, exemptions, adjustments, and exclusions. Aaron provides an example of how the AMT exemption matters when exercising ISOs and why you m…

1
#108 What should you do about inflation? The answer will surprise you. 1:06:35

3y ago1:06:35

1:06:35

A well-designed asset allocation shouldn't need to adjust in response to inflation. In this episode, Aaron and Trishul discuss inflation. They go through factors that led to rising prices in 2021. And they relate potential impacts to consider. Our hosts then explore how stocks and bonds have performed over historical inflationary periods. You proba…

1
#107. It's a new year! So now what? 52:56

3+ y ago52:56

52:56

Resolutions and blocking off calendar, and controlling time and your schedule. Don't forget 401k contributions, ISO exercises. In this episode, Trishul and Aaron talk about things they consider at the beginning of the year. They double-check savings rates based on raises and current 401k limits, and they evaluate the exercise of ISOs. They also eva…

1
#106. Retirement planning around longevity: what you need to consider. 52:13

3+ y ago52:13

52:13

Longevity and life expectancy assumptions in financial planning projections. In this episode, Aaron and Trishul discuss planning issues related to longevity and life expectancy. Retirement projections require an end date, but choosing one is an art rather than a science. The process requires assimilating incongruent datasets and incorporating human…

1
#105. Which life lessons matter the most to your long-term success? 58:17

3+ y ago58:17

58:17

The life lessons of skiing and snowboarding are different for kids and adults. How do skiing and snowboarding relate to teaching children grit? How do you learn to say 'no'? And where does "Zelda: Breath of the Wild" fit in with all this? In this episode, Trishul and Aaron discuss how winter sports and video games serve as examples of the balance b…

1
#104. 2nd year retrospective: Our favorite episodes and what you listened to most. 1:20:37

3+ y ago1:20:37

1:20:37

Our favorite episodes from Year 2. In this episode, Aaron and Trishul look back on their second year of podcasting. In the beginning, they focused on the process, recording one conversation at a time, and eventually, they established a consistent habit. To wrap up Season 2, our hosts recount their favorite episodes of the year. So which ones did yo…

1
#103. Don't miss out on big savings during Open Enrollment Season. 50:23

3+ y ago50:23

50:23

During Open Enrollment, make sure you opt-in to 401k, life, disability, and health insurance. You can figure out the details later. In this episode, Trishul and Aaron discuss common client concerns that surface during Open Enrollment Season. Each fall, you get inundated with plan documents from work. But now is a time when your seconds can save you…

1
#102. Your guide to navigating the equity compensation jungle (inc. ISOs, NSOs, RSUs, & ESPPs). 58:46

3+ y ago58:46

58:46

ISOs, NSOs, RSUs, and ESPPs all together. In this episode, Trishul and Aaron discuss alternative forms of employee equity compensation. In addition to ISOs, there are NSOs, RSUs, and ESPPs, and each one comes with different tax implications. Your employer can grant access you any combination of these plans. So then, how do you decide when to exerci…

1
#101. ISO University: It's IPO Time! So now what do you do with your ISOs? 1:01:05

3+ y ago1:01:05

1:01:05

ISOs in late stage private companies and after going public. In this episode, Aaron and Trishul discuss what you can do with your ISOs to prepare for an upcoming liquidity event. At this point, investment risks are still high, so what's the best way to capitalize from here? First, you must consider the timing of exercise. Next, you need to evaluate…

1
#100. ISO University: Your guide to navigating ISOs in a pre-IPO company. 1:02:16

3+ y ago1:02:16

1:02:16

ISOs in the mid stage of a private company. In this episode, Trishul and Aaron discuss what you should look for when you've been at a private company for a few years. At this point, your ISOs may have climbed in value, so it's quite the balancing act. Not only do you need to factor in future investment risks, but also you need to analyze the impact…

Podcasts Worth a Listen

Trishul Patel Podcasts

Podcasts Worth a Listen