The Diary Of A CEO with Steven Bartlett Early Retirement Expert: A House Vs Stocks, Here's The Truth!
Jan 29, 2026
01:50:24
Can 1 hour a day make you a millionaire? Bestselling author DAVID BACH reveals how the first-hour rule, retirement investing, passive income ideas, and 401k matching build financial freedom…FAST!
David Bach is a 10x New York Times bestselling author and one of America’s most trusted financial experts. He has helped millions become financially secure for life, and also serves as Director of Advisor and Investor Education at AE Wealth Management. He is the consecutive New York Times bestseller with over 7 million books, including books such as: ‘The Automatic Millionaire, 20th Anniversary Edition’.
He explains:
◼️Why saving $27 a day can outperform earning more money
◼️The phone automation trick that doubles your savings without willpower
◼️The hidden system that keeps most people in debt
◼️The real reason 70% of people stay broke despite earning more
◼️The wealth code for your 20s, 30s, 40s, and 50s
(00:00) Intro
(02:29) How I Helped Millions Become Millionaires
(04:33) How My Grandma Became a Millionaire With an Average Job
(09:25) Why Smart Women Finish Rich—And What They Do Differently
(12:20) Why Boring Investments Are the Key to Long-Term Wealth
(16:02) Why 50% Stay Broke—And How Just 1 Hour a Day Can Change That
(19:28) The 70/30 Wealth Rule Millionaires Rely On
(22:20) Are Homeowners Really Richer? What the Numbers Say
(27:22) Stocks vs. Real Estate: What Builds Wealth Faster?
(31:08) Is Buying a House Worth It After All the Hidden Costs?
(34:39) Should You Put Your Down Payment Into the S&P 500 Instead?
(36:25) Will Buying a House Limit Your Career and Mobility?
(40:50) A Proven Framework to Get Out of Debt
(42:39) How the Average Person Wastes $10,000 a Year
(43:43) How Much You Need to Save Daily to Become a Millionaire
(51:47) How to Save Tens of Thousands Without Noticing
(54:00) Ad Break
(55:03) The Real Dangers of Debt—And How to Escape Them
(59:35) The Easiest Way to Boost Your Income Starting Today
(1:02:54) Is Wealth Just a Mindset Game? Here's What to Know
(1:05:19) How to Grow Your Savings Without Even Realizing It
(1:10:16) This Simple Phone Hack Could Save You Hundreds a Month
(1:13:24) Should You Invest in Tech Funds Right Now?
(1:20:21) Ad Break
(1:22:18) 6 Money Mistakes Most Couples Don’t Realize They’re Making
(1:30:24) Why You Must Understand Your Partner’s Finances
(1:33:40) Why the Next Decade Is the Greatest Money-Making Opportunity Yet
(1:36:10) Should You Pay Off Your Mortgage Early or Invest Instead?
Enjoyed the episode? Share this link and earn points for every referral - redeem them for exclusive prizes: https://doac-perks.com
Follow David:
Website - https://bit.ly/3ZBpmbB
Instagram - https://bit.ly/3LTngkk
X - https://bit.ly/4t29SLg
YouTube - https://bit.ly/4t5y936
You can purchase ‘The Automatic Millionaire, 20th Anniversary Edition’, here: https://amzn.to/4pZYBbH
The Diary Of A CEO:
◼️Join DOAC circle here - https://doaccircle.com/
◼️Buy The Diary Of A CEO book here - https://smarturl.it/DOACbook
◼️The 1% Diary is back - limited time only: https://bit.ly/3YFbJbt
◼️The Diary Of A CEO Conversation Cards (Second Edition): https://g2ul0.app.link/f31dsUttKKb
◼️Get email updates - https://bit.ly/diary-of-a-ceo-yt
◼️Follow Steven - https://g2ul0.app.link/gnGqL4IsKKb
Sponsors:
Function Health: https://Functionhealth.com/DOAC to sign up for $365 a year. One dollar a day for your health
Vodafone - Check out the business.connected series here: https://www.youtube.com/playlist?list=PLn7S5nhm3VOzlPRcOV3ZU30hiiSJ26ozS
Factor: https://factormeals.com/diary50off with code DIARY50OFF
This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit theexperienceplus.substack.com
David Bach is a 10x New York Times bestselling author and one of America’s most trusted financial experts. He has helped millions become financially secure for life, and also serves as Director of Advisor and Investor Education at AE Wealth Management. He is the consecutive New York Times bestseller with over 7 million books, including books such as: ‘The Automatic Millionaire, 20th Anniversary Edition’.
He explains:
◼️Why saving $27 a day can outperform earning more money
◼️The phone automation trick that doubles your savings without willpower
◼️The hidden system that keeps most people in debt
◼️The real reason 70% of people stay broke despite earning more
◼️The wealth code for your 20s, 30s, 40s, and 50s
(00:00) Intro
(02:29) How I Helped Millions Become Millionaires
(04:33) How My Grandma Became a Millionaire With an Average Job
(09:25) Why Smart Women Finish Rich—And What They Do Differently
(12:20) Why Boring Investments Are the Key to Long-Term Wealth
(16:02) Why 50% Stay Broke—And How Just 1 Hour a Day Can Change That
(19:28) The 70/30 Wealth Rule Millionaires Rely On
(22:20) Are Homeowners Really Richer? What the Numbers Say
(27:22) Stocks vs. Real Estate: What Builds Wealth Faster?
(31:08) Is Buying a House Worth It After All the Hidden Costs?
(34:39) Should You Put Your Down Payment Into the S&P 500 Instead?
(36:25) Will Buying a House Limit Your Career and Mobility?
(40:50) A Proven Framework to Get Out of Debt
(42:39) How the Average Person Wastes $10,000 a Year
(43:43) How Much You Need to Save Daily to Become a Millionaire
(51:47) How to Save Tens of Thousands Without Noticing
(54:00) Ad Break
(55:03) The Real Dangers of Debt—And How to Escape Them
(59:35) The Easiest Way to Boost Your Income Starting Today
(1:02:54) Is Wealth Just a Mindset Game? Here's What to Know
(1:05:19) How to Grow Your Savings Without Even Realizing It
(1:10:16) This Simple Phone Hack Could Save You Hundreds a Month
(1:13:24) Should You Invest in Tech Funds Right Now?
(1:20:21) Ad Break
(1:22:18) 6 Money Mistakes Most Couples Don’t Realize They’re Making
(1:30:24) Why You Must Understand Your Partner’s Finances
(1:33:40) Why the Next Decade Is the Greatest Money-Making Opportunity Yet
(1:36:10) Should You Pay Off Your Mortgage Early or Invest Instead?
Enjoyed the episode? Share this link and earn points for every referral - redeem them for exclusive prizes: https://doac-perks.com
Follow David:
Website - https://bit.ly/3ZBpmbB
Instagram - https://bit.ly/3LTngkk
X - https://bit.ly/4t29SLg
YouTube - https://bit.ly/4t5y936
You can purchase ‘The Automatic Millionaire, 20th Anniversary Edition’, here: https://amzn.to/4pZYBbH
The Diary Of A CEO:
◼️Join DOAC circle here - https://doaccircle.com/
◼️Buy The Diary Of A CEO book here - https://smarturl.it/DOACbook
◼️The 1% Diary is back - limited time only: https://bit.ly/3YFbJbt
◼️The Diary Of A CEO Conversation Cards (Second Edition): https://g2ul0.app.link/f31dsUttKKb
◼️Get email updates - https://bit.ly/diary-of-a-ceo-yt
◼️Follow Steven - https://g2ul0.app.link/gnGqL4IsKKb
Sponsors:
Function Health: https://Functionhealth.com/DOAC to sign up for $365 a year. One dollar a day for your health
Vodafone - Check out the business.connected series here: https://www.youtube.com/playlist?list=PLn7S5nhm3VOzlPRcOV3ZU30hiiSJ26ozS
Factor: https://factormeals.com/diary50off with code DIARY50OFF
This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit theexperienceplus.substack.com