The Diary Of A CEO with Steven Bartlett

Are we falling for the biggest money traps of our generation? And what are the money habits that actually build millions? Raoul Pal, Jaspreet Singh, and Humphrey Yang reveal the truth about renting vs buying, escaping credit card debt, mastering passive income, and investing with $0! This personal finance roundtable brings 3 leading finance experts to discuss building wealth and planning for your financial future. Jaspreet Singh is an entrepreneur and founder of Minority Mindset, Raoul Pal is a former hedge fund manager and CEO of Real Vision, and Humphrey Yang is a personal finance creator and former financial advisor at Merrill Lynch. They discuss:  ◼️Why saving money won’t make you rich, and what to do instead ◼️The single best skill to escape being broke in 2025 ◼️ Why renting is smarter than buying (even if you can afford to buy) ◼️ The tiny money habit that quietly builds millions over time ◼️ Why most people under 45 won’t get a pension (and what to do instead) ◼️The truth about crypto, AI and why the financial system doesn’t want you prepared (00:00) Intro (02:24) How Do I Make More Money? (05:13) Pointless Jobs That Actually Made You the Most Money (06:53) How to Visualize Your Finances (07:44) Social Pressure With Money (09:37) The Simple Money Tracking Hack (13:32) Best Form of Investing: Active or Passive? (18:34) More People Joining Crypto (21:07) Bitcoin Is Too Speculative (28:31) Stocks vs Crypto (34:01) How Would You Invest $1,000? (42:13) The S&P 500 vs the Nasdaq-100 (44:14) Dollar-Cost Averaging (47:12) Remove Emotion From Financial Decisions (48:08) Should We Be Putting Everything Into Crypto? (49:36) If Crypto Isn't the Future, What Takes Its Place? (54:26) Sponsored Segment (56:24) What to Do When You're in Debt (59:43) Bankruptcy: When Should Someone Consider It? (01:02:13) What If You Don’t Want to File for Bankruptcy? (01:03:55) The Myth of Passive Income (01:05:51) How Well Can You Actually Do From Property Investments? (01:10:35) Should You Buy Rental Properties for Passive Income? (01:11:21) More People Are Renting in the US Over Buying (01:13:33) Is Property a Good Way to Build Wealth? (01:19:30) Is There Any Such Thing as Good Debt? (01:20:30) Leveraging Your Current Assets (01:26:01) Pensions and 401(k) Retirement Plans (01:41:37) Framework for Making More Money Easily (01:47:53) Keeping Your Money in a Bank Is Making You Poorer (01:51:58) What Do Rich People Know That Most Others Don’t? (01:54:41) Relationships Make Money (01:59:44) How Much Do Geographies Matter When Making Money? (02:02:30) Is the UK a Good Place to Build Wealth? (02:05:49) Closing Statements Follow Jaspreet: X: http://bit.ly/3HSFdO3 [http://bit.ly/3HSFdO3]  ‘Market Briefs’ newsletter:: http://bit.ly/4mWeqzr [http://bit.ly/4mWeqzr] YouTube: http://bit.ly/46hbTbU [http://bit.ly/46hbTbU]  Follow Raoul: X: http://bit.ly/466Fe8Q [http://bit.ly/466Fe8Q]  Website here: http://bit.ly/4m6Rexb [http://bit.ly/4m6Rexb]  You can download Raoul Pal’s 5-Year Roadmap for free here: http://bit.ly/3JQok7g [http://bit.ly/3JQok7g]  You can purchase ‘The Everything Code’, here: https://amzn.to/48cJ2bk [https://amzn.to/48cJ2bk]  Follow Humphrey: Youtube: http://bit.ly/3KgmkoJ [http://bit.ly/3KgmkoJ]  Instagram: http://bit.ly/4gs6kMI [http://bit.ly/4gs6kMI]  Website- Humphreysguide.com [Humphreysguide.com] The Diary Of A CEO: ⬛ Join DOAC circle here - https://doaccircle.com/ [https://doaccircle.com/]  ⬛ Buy The Diary Of A CEO book here - https://smarturl.it/DOACbook [https://smarturl.it/DOACbook]  ⬛ The 1% Diary is back - limited time only: https://bit.ly/3YFbJbt [https://bit.ly/3YFbJbt]  ⬛ The Diary Of A CEO Conversation Cards (Second Edition): https://g2ul0.app.link/f31dsUttKKb [https://g2ul0.app.link/f31dsUttKKb]  ⬛ Get email updates - https://bit.ly/diary-of-a-ceo-yt [https://bit.ly/diary-of-a-ceo-yt]  ⬛ Follow Steven - https://g2ul0.app.link/gnGqL4IsKKb [https://g2ul0.app.link/gnGqL4IsKKb]  Sponsors: Linkedin Jobs - https://www.linkedin.com/doac [https://www.linkedin.com/doac] Vivobarefoot - https://www.vivobarefoot.com/ Bon Charge - http://boncharge.com/diary?rfsn=8189247.228c0cb with code DIARY for 25% off Learn more about your ad choices. Visit megaphone.fm/adchoices [https://megaphone.fm/adchoices]

In today’s Most Replayed Moment, Charlie Houpert reveals the move that changes how people see you - from job interviews to everyday conversations. Learn how to show up with confidence and charisma, and handle any scenario on your terms. Charlie Houpert is the co-founder of Charisma on Command, the popular YouTube channel and training platform helping millions of people build confidence, improve social skills, and become more charismatic. Listen to the full episode here - Spotify - https://g2ul0.app.link/CD1nOYrOzWb [https://g2ul0.app.link/CD1nOYrOzWb] Apple - https://g2ul0.app.link/R2vlkMvOzWb [https://g2ul0.app.link/R2vlkMvOzWb] Watch the Episodes on YouTube - ⁠⁠https://www.youtube.com/c/%20TheDiaryOfACEO/videos [https://www.youtube.com/c/%20TheDiaryOfACEO/videos] Charisma on Command - https://www.youtube.com/user/charismaoncommand [https://www.youtube.com/user/charismaoncommand] Learn more about your ad choices. Visit megaphone.fm/adchoices [https://megaphone.fm/adchoices]

Ray Dalio turned $5 into $160 billion by decoding how empires rise and fall. Now he warns: America is in decline, the UK is in trouble, China is gaining power…and your wealth could be in danger UNLESS you act fast.  Ray Dalio is a legendary investor, billionaire, and founder of Bridgewater Associates, the world’s largest hedge fund with over $160 billion in assets under management. He is also the bestselling author of 5 books, including:, ‘How Countries Go Broke: Principles for Navigating the Big Debt Cycle, Where We Are Headed, and What We Should Do’. He explains:  ⬛ The harsh financial truth about Britain’s future and why millionaires are fleeing ⬛ The psychological trick billionaires use that most people never learn ⬛ The "Pain + Reflection = Progress" formula that changed Ray’s life ⬛ The dangerous wealth myth that’s quietly keeping most people broke ⬛ Why chasing success the wrong way could destroy your future ⬛ Why America’s decline is part of an inevitable 500-year cycle (00:00) Intro (05:34) Where Should I Be Living as an Entrepreneur? (06:30) What's Your Honest Perspective of the UK? (11:46) Are You Optimistic About the Future of the UK? (13:12) Are You Optimistic About the US? (15:19) How to Predict What's Coming (17:04) Will the US Dominate Global Power Soon? (22:06) How Would You Fix the UK? (25:28) What Happens Next in History? (29:00) Where Are We in the Predictable Timeframes? (30:33) How Should We Counteract These Risks? (32:53) Most Valuable Skills to Learn Right Now (35:43) What Games to Play in Different Life Seasons (37:55) The Most Important Strategic Decision I Made (44:08) Ads (45:11) The Best Way to Deal With Pain (49:01) How Do I Become a Principle Thinker? (50:42) The Power of Meditation (56:01) Are You Religious? (58:21) How Important Is Hard Work? (01:00:00) The Importance of Being Open-Minded (01:05:16) How to Be a Better Decision Maker (01:09:03) How Do You Find Honest People? (01:11:22) Why Companies Become Less Innovative (01:14:16) How Do You Find Exceptional People? (01:17:45) Ads (01:19:27) What's Your View on AI? (01:28:41) Top 3 Book Recommendations Follow Ray: TikTok - https://bit.ly/4ggWltw [https://bit.ly/4ggWltw]  YouTube - https://bit.ly/4m5T9Cc [https://bit.ly/4m5T9Cc]  X - https://bit.ly/3V8KTqc [https://bit.ly/3V8KTqc]  You can purchase Ray’s book, ‘How Countries Go Broke: Principles for Navigating the Big Debt Cycle, Where We Are Headed, and What We Should Do’, here: https://amzn.to/4perwK3 [https://amzn.to/4perwK3]  You can watch Ray’s breakdown of Principles for dealing with the changing world order here:  http://bit.ly/4m6VbSw [http://bit.ly/4m6VbSw]    The Diary Of A CEO: ⬛ Join DOAC circle here - https://doaccircle.com/ [https://doaccircle.com/]  ⬛ Buy The Diary Of A CEO book here - https://smarturl.it/DOACbook [https://smarturl.it/DOACbook]  ⬛ The 1% Diary is back - limited time only: https://bit.ly/3YFbJbt [https://bit.ly/3YFbJbt]  ⬛ The Diary Of A CEO Conversation Cards (Second Edition): https://g2ul0.app.link/f31dsUttKKb [https://g2ul0.app.link/f31dsUttKKb]  ⬛ Get email updates - https://bit.ly/diary-of-a-ceo-yt [https://bit.ly/diary-of-a-ceo-yt]  ⬛ Follow Steven - https://g2ul0.app.link/gnGqL4IsKKb [https://g2ul0.app.link/gnGqL4IsKKb] Sponsors: Fiverr - https://www.fiverr.com/diary [https://www.fiverr.com/diary] with code DIARY for 10% off your first order Linkedin Ads - https://www.linkedin.com/DIARY [https://www.linkedin.com/DIARY]   Learn more about your ad choices. Visit megaphone.fm/adchoices [https://megaphone.fm/adchoices]

He led the longest-ever human study on the ketogenic diet and spent 15+ years studying metabolism, now Dr Andrew Koutnik reveals what the science says about fat loss, depression, diabetes, and disease.  Dr. Andrew Koutnik is a leading metabolic research scientist specialising in metabolic health, human performance, and Type 1 diabetes management. He has contributed to over 100 scientific publications and, in 2024, co-authored a landmark 10-year case report on the ketogenic diet and diabetes. He explains: ◼️ Why ultra-processed foods are silently destroying your brain and metabolism ◼️ How 70% of grocery store food is designed to keep you sick ◼️ How this one diet could prevent Alzheimer’s, heart disease, and diabetes ◼️ How keto and fasting can reset your body better than any workout ◼️ The hidden reason you can’t burn fat and how to fix it fast 00:00 Intro   02:38 What's Your Mission?   03:32 What Areas of Health Have You Spent the Last 15 Years Researching?   09:37 High Blood Sugar Is the Biggest Cause of Long-Term Health Problems   13:33 The Keto Diet   18:30 Regulating Elevations in Blood Glucose   21:42 Food Patterns Through Evolution   26:09 What Do You Notice When You're in Keto vs. Not in Keto?   33:45 Should We Be Restricting Carbs?   35:32 10-Year Study on the Impact of the Keto Diet   38:52 Your Blood Sugar Levels Have Risen   43:26 Ads   44:34 The Keto Diet and Physical Performance   52:22 Exogenous Ketones   56:40 Exogenous Ketones for Mental Health   58:52 Exogenous Ketones Helping With Cancer Body Weight Increase   01:00:21 Keto Diet and Gaining Muscle   01:03:33 Not Feeling Hungry on the Keto Diet   01:06:35 The Food Industry Engineers Food to Make You More Hungry   01:11:21 Ads   01:13:18 How Can Our Audience Live a Better Life Practically?   01:18:37 What Is Something Surprising About Glucose?   01:23:57 Should Everybody Try the Keto Diet?   01:27:21 What's on the Other Side of the Simulation?  Follow Dr Andrew: X - https://bit.ly/3VHSGv3 [https://bit.ly/3VHSGv3]  Instagram - https://bit.ly/3HWF4sT [https://bit.ly/3HWF4sT]  The Diary Of A CEO: ⬛ Join DOAC circle here - https://doaccircle.com/ [https://doaccircle.com/]  ⬛ Buy The Diary Of A CEO book here - https://smarturl.it/DOACbook [https://smarturl.it/DOACbook]  ⬛ The 1% Diary is back - limited time only: https://bit.ly/3YFbJbt [https://bit.ly/3YFbJbt]  ⬛ The Diary Of A CEO Conversation Cards (Second Edition): https://g2ul0.app.link/f31dsUttKKb [https://g2ul0.app.link/f31dsUttKKb]  ⬛ Get email updates - https://bit.ly/diary-of-a-ceo-yt [https://bit.ly/diary-of-a-ceo-yt]  ⬛ Follow Steven - https://g2ul0.app.link/gnGqL4IsKKb [https://g2ul0.app.link/gnGqL4IsKKb]  Sponsors:  Replit - http://replit.com [http://replit.com] with code STEVEN   KetoneIQ - Visit https://ketone.com/STEVEN [https://ketone.com/STEVEN] for 30% off your subscription order Stan Store - https://stevenbartlett.stan.store [https://stevenbartlett.stan.store] for your 14-Day free trial Learn more about your ad choices. Visit megaphone.fm/adchoices [https://megaphone.fm/adchoices]

Bryan Johnson is a tech entrepreneur, longevity researcher, and founder of Blueprint - a project to reverse his biological age through rigorous data, diet, and discipline. Known as one of the world’s most committed biohackers, Johnson lives by a strict protocol involving 111 pills a day, precision meals, and relentless self-tracking. In today’s Most Replayed Moment, Bryan dives into his purpose for pursuing such a life. He then breaks down the exact protocol he follows - from daily pills to the meticulously engineered meals he eats - to optimise every aspect of his biology. Listen to the full episode here! Spotify: https://g2ul0.app.link/6oGS7xtMkWb [https://g2ul0.app.link/6oGS7xtMkWb] Apple: https://g2ul0.app.link/8lvwhFCMkWb [https://g2ul0.app.link/8lvwhFCMkWb] Watch the episodes on YouTube: ⁠https://www.youtube.com/c/%20TheDiaryOfACEO/videos⁠ [https://www.youtube.com/c/%20TheDiaryOfACEO/videos] Learn more about your ad choices. Visit megaphone.fm/adchoices [https://megaphone.fm/adchoices]