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

1. Open a high-yield savings or low-fee brokerage account.
2. Schedule a recurring $5 deposit.
3. 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