No budget spreadsheets. No finance degree. Just one daily action that compounds.
If juggling bills, kids, and a career already leaves you fried, the last thing you need is a 12-tab budget template. In this episode of Bad Day Excellence, Brian unpacks the “quiet wealth” habit—one tiny, automated move that builds your bank account while you live your life.
What You’ll Learn
- The Quiet Wealth Formula – why $5 a day can outpace complicated budgets.
- Habit Loop for Money – turning cues, routines, and rewards into automatic savings.
- High-Yield vs. Brokerage – which account to open first (and how to decide in 10 minutes).
- Beating decision fatigue so emotions stop hijacking your wallet.
- The “set-it-and-forget-it” investment Warren Buffett swears by.
Action Challenge
- Open a high-yield savings or low-fee brokerage account.
- Schedule a recurring $5 deposit.
- Drop “DONE” in the comments when you’ve set it up.
Links & Resources
- Public.com – my favorite beginner-friendly brokerage (do your own research!).
- 📘 Habit Craft 101 – get the book that turns tiny actions into big results.
- 🛠 Free Habit Tracker – download and start tracking today.
Love the show? Text this episode to a friend who’s “getting their money right,” hit Follow on Spotify, and drop a quick ⭐⭐⭐⭐⭐ review. Your ratings and shares help more busy people turn bad days into breakthroughs!
Connect with Brian WalshInstagram: @baddayexcellence | TikTok: @leadfastdaily | LinkedIn: /in/walshmegrow | www.baddayexcellence.com
Popular Podcasts
Stuff You Should Know
If you've ever wanted to know about champagne, satanism, the Stonewall Uprising, chaos theory, LSD, El Nino, true crime and Rosa Parks, then look no further. Josh and Chuck have you covered.
Dateline NBC
Current and classic episodes, featuring compelling true-crime mysteries, powerful documentaries and in-depth investigations. Follow now to get the latest episodes of Dateline NBC completely free, or subscribe to Dateline Premium for ad-free listening and exclusive bonus content: DatelinePremium.com
The Male Room with Dr. Jesse Mills
As Director of The Men’s Clinic at UCLA, Dr. Jesse Mills has spent his career helping men understand their bodies, their hormones, and their health. Now he’s bringing that expertise to The Male Room — a podcast where data-driven medicine meets common sense. Each episode separates fact from hype, science from snake oil, and gives men the tools to live longer, stronger, and happier lives. With candor, humor, and real-world experience from the exam room and the operating room, Dr. Mills breaks down the latest health headlines, dissects trends, and explains what actually works — and what doesn’t. Smart, straightforward, and entertaining, The Male Room is the show that helps men take charge of their health without the jargon.