When you hear the words “money,” “rich,” “wealthy people,” how does that make you feel?
It’s a question that Jaspreet Singh, the host of Minority Mindset on YouTube, poses on his Mindvalley program, Smart Money: Your Roadmap to Financial Success. But the reality is, most people’s answers are a mess of contradictions.
We want financial freedom, but we’ve been told that wanting money is greedy. We work hard, but it never feels like enough. And if wealth really buys happiness, why are so many millionaires still miserable?
According to Jaspreet, the answer lies in the Quadrafit Theory—a framework that shows money is just one piece of the puzzle.
If you want to live a happy and fulfilled life, you have to know how money plays a part in your life.
— Jaspreet Singh, trainer of Mindvalley’s Smart Money: Your Roadmap to Financial Success program
And when you understand it, you understand how money can work for you instead of you working for it.
What is the Quadrafit Theory?
The Quadrafit Theory explains how four (hence, the “quadra”) key areas shape your success: physical, mental, spiritual, and financial fitness (hence, the “fit”). Each one strengthens your ability to manage life, make decisions, and create stability.
It follows the same concept as the Nobel Prize-winning psychologist Daniel Kahneman’s work in behavioral science, particularly in economics and decision-making. He found that people rely on habits, emotions, and mental shortcuts instead of careful planning, often making money choices that don’t serve them in the long run.
Jaspreet builds on this idea. It shows that financial fitness improves when mental, physical, and spiritual well-being are also in place.
Yet, most people focus only on the last one. Money = wealth = success = set for life. So they grind, hustle, and push forward, assuming financial security will solve everything else.
It’s part of the money mindset we’ve been led to believe, along with:
- Money is the root of all evil.
- Rich people are greedy or dishonest.
- Mo’ money, mo’ problems.
Even Jaspreet grew up hearing these mixed messages. “On one hand, my parents were telling me, ‘Don’t stress about money,’” he shares. “Yet, on the other hand, they’re working their butts off to earn money.”
That contradiction is exactly why so many people struggle with their relationship with money. The World Bank reported that “44% of the global population—around 3.5 billion people—live today on less than $6.85 per day.” Not only that, but research shows that without financial literacy, people tend to face challenges in managing their finances effectively.
“If you want to live a happy and fulfilled life,” Jaspreet says, “you have to know how money plays a part in your life.”
And when one area of the Quadrafit Theory of life is neglected? The whole system collapses.
The four areas of the Quadrafit Theory
Each of the four areas builds resilience, stability, and financial strength. Here’s a closer look at each:
1. Physical
It’s no secret: being active and eating well supports heart health, circulation, and the immune system. Regular exercise also improves mood, memory, and stress levels, making it easier to stay motivated and handle responsibilities.
“If you’re on your deathbed, if you’re morbidly obese, it doesn’t matter how much money you have,” Jaspreet explains. “All you want is to be healthy again.”
Without focusing on this corner of life, success becomes harder to enjoy, opportunities slip away, and no amount of wealth can buy back your lost vitality.
2. Mental
How often have you heard people say, “Man, if only I had a million dollars, I would [fill in the blank]”? Find love, be happy, have friends, live the dream…
Despite the widespread belief, we all know, deep inside, that money won’t fix sadness, anxiety, or feeling lost.
Research shows that financial worries are strongly linked to psychological distress. People struggling with money often experience higher levels of stress and anxiety, and those in vulnerable situations—such as the unemployed or lower-income households—feel the effects even more.
So without some mental clarity and well-being, no amount of money ever feels enough.
“All success starts here, in your mindset,” Jaspreet says. “Because if you’re broke [in your mind], you’re going to be broke in your bank account, too.”
3. Spiritual
Research shows that spirituality is strongly linked to psychological well-being and positive health behaviors. But this has nothing to do with religion; rather, it’s about finding your purpose.
The thing is, you can have all the money in the world. But if you don’t have a purpose, then, as Jaspreet asks, “What’s the point?”
There are so many examples of this. Ebenezer Scrooge from A Christmas Carol, who’s a cold-hearted miser. Arthur Bach from Arthur, who spends his days drinking, partying, and wasting money. And even Miranda Priestly from The Devil Wears Prada, who may have wealth, power, and status, but when it comes to her personal life? She gets a big red F.
The moral of the story is, without purpose, even a life filled with money can feel empty. But a strong sense of direction helps you stay focused, make better choices, and feel truly satisfied with what you do.
4. Financial
With this final quadrafit, you’re able to gain financial freedom, security, and access to better opportunities. It allows you to invest in your health, take time for personal growth, and support the things that matter most to you.
“Once you’re physically fit, mentally fit, spiritually fit,” Jaspreet points out, “this is where being financially fit can amplify your ability to live your life the way you want.”
It’s the icing on the cake, really. Because the fact of the matter is, financial worries are strongly linked to higher psychological distress. But when your finances are stable, stress levels decrease, making it easier to focus on health, relationships, and personal growth.
Why the Quadrafit Theory is the key to lasting happiness
Fact: Financial stress is closely linked to depression, especially for lower-income families. Also fact: 42% of Americans say money negatively impacts their mental health.
So, does that mean “money is the root of all evil” is true? It can look that way, can’t it?
There are plenty of people who have wealth and success but struggle… Jim Carrey, Amanda Bynes, and Robin Williams, just to name a few.
Robin Sharma echoes this sentiment in his latest bestseller, The Wealth Money Can’t Buy. He has spent years mentoring billionaires, CEOs, and elite performers—many of whom had everything on paper yet felt unfulfilled.
“Our society really has programmed us to hustle and grind our way to the mountaintop of success,” he says. “The only challenge with that is, I’ve seen many people—they get to that mountaintop and they say, ‘Is that it?’”
What’s more, money has, historically, been linked to greed, corruption, and exploitation. Take the Enron executives, who hid debt to inflate stock prices. Bernie Madoff ran the biggest Ponzi scheme in history. Nations have exploited entire economies under the guise of development, leaving behind instability and suffering.
But if money is so evil, why is it that we still need it to do the basic things in life? Eat, live in a safe home, access healthcare, and even pursue education. Without it, survival becomes a struggle.
But that’s the thing many of us fail to realize. Money is not evil. As Jaspreet points out, it’s just a tool.
“Money doesn’t make you a good person, and money doesn’t make you a bad person,” he explains. “It just amplifies who you are.”
Without balancing it with the other three areas—physical, mental, and spiritual… Well, it’s just wealth without the worth.
Jaspreet Singh’s tips to make your money work for a better life
“The reason why so many people put up these smoke screens around money,” Jaspreet highlights, “is because we don’t understand how money plays a part in our lives.”
When money is seen as the goal rather than the tool, it leads to endless chasing, stress, and financial insecurity. But when you use it wisely—aligned with the Quadrafit Theory—it becomes a way to fuel the life you want and build financial abundance.
The goal of life isn’t just to be rich; it’s to live a happy and fulfilled life.
— Jaspreet Singh, trainer of Mindvalley’s Smart Money: Your Roadmap to Financial Success program
So, how do you do that? Here are Jaspreet’s top insights on turning your money into a tool rather than a source of stress.
1. Prioritize your health
Your health is your most valuable asset. Without it, it’s hard to enjoy anything else—success, relationships, or even financial freedom. That’s why using money to prioritize physical well-being is an investment.
As Jaspreet breaks it down: “If you’re not physically fit, if you’re morbidly obese, you’re on your deathbed; it doesn’t matter if you have $10 million; the only thing you care about is being healthy.”
As most Americans know, medical bills can be overwhelming. A 2024 analysis by the Kaiser Family Foundation estimated that people in the United States owe at least $220 billion in medical debt. Approximately 14 million people (6% of adults) owe over $1,000, and about 3 million (1% of adults) have medical debt exceeding $10,000.
So, while buying a pack of Ramen or grabbing your go-to drive-thru food is convenient and cheap, prevention is better than cure. And here’s where you can start:
- Spend on quality groceries that fuel your body.
- Make movement part of your routine through exercise or outdoor activities.
- Create manageable budgets for medical check-ups and preventive care.
These simple lifestyle changes can have lasting benefits. And the goal? Longevity.
2. Invest in your mind
Many people stay stuck financially because of money wounds—deep-seated beliefs about wealth shaped by upbringing, culture, or past struggles. “I can’t afford this” or “That’s too expensive”… It’s the WWOPT (What Will Other People Think?) mindset, according to Jaspreet.
His solution? Make a shift in the way you think. “Your wealth starts here [points to head] before it hits your bank account.”
Here’s where you can start:
- Buy books that challenge your thinking and expand your perspective.
- Enroll in courses that teach practical skills for work or personal growth.
- Seek out mentors who have the experience and wisdom to guide you.
The more you shift your thinking, the more opportunities for financial doors open.
3. Create meaningful experiences and connections
Unlike material possessions that offer instant gratification, experiences make us happier—especially when shared with kindred spirits.
A Harvard study found that strong relationships are the most significant predictor of long-term well-being. They offer support, inspiration, and a deep sense of belonging.
Jaspreet emphasizes that money should be used to create moments that bring joy and personal fulfillment. Here’s how you can start:
- Donate to a cause close to your heart.
- Attend live gatherings, like Mindvalley events, to meet like-minded people and expand your perspective.
- Invest in shared experiences, whether it’s a pottery class, a hiking trip, or racecar driving.
By intentionally directing your money toward experiences and relationships, you build a life filled with purpose, connection, and fulfillment.
4. Build a foundation of wealth that gives you freedom
Before you can build wealth, you need to ask yourself: How does money work? According to Jaspreet, the three keys to wealth are simple: spend less, earn more, and invest aggressively.
The challenge? “Most people have no idea of what’s going on with their money,” says Jaspreet.
He highlights that many live with a “net zero mindset,” where every dollar earned is spent immediately, often on things they don’t actually need.
So if you find yourself living from paycheck to paycheck, here’s what you can do:
- Track your income and expenses by writing down every dollar coming in and every dollar going out.
- Review your subscriptions, renegotiate bills, and eliminate wasteful spending.
- Stop financing liabilities. If you can’t buy five of something, you can’t afford one.
When you take control of your financial health, you gain clarity, peace of mind, and the freedom to build the life you truly want.
Fuel your future
If there’s one thing to learn from Jaspreet Singh, it’s that money isn’t about numbers but about the life you build with it. “The goal of life isn’t just to be rich,” he says. “It’s to live a happy and fulfilled life.”
Justin Koster, a transformation coach from the U.S., knows this well, stuck in a cycle of living paycheck to paycheck, relying on credit cards, and watching his savings disappear. But learning from Jaspreet in his Smart Money: Your Roadmap to Financial Success program on Mindvalley, he’s building the path out of debt, planning for assets, and seeing money in a whole new way.
You, too, can do the same. When you sign up for a Mindvalley account, you can get access to expert-backed lessons on financial freedom, premium meditations, and a global community that’s leveling up every day. Plus, you’ll be the first to know about in-person events like Mindvalley University, where you can meet experts like Jaspreet, Robert Allen, Ken Honda, and more.
Because here’s the truth: wealth isn’t a dream. It’s a skill—and you’re about to learn it.
Welcome in.
