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the other thing that people often talk about

and you cited earlier is the mobility

that renting gives you yeah your son was here a second

ago he's 16 years old yeah soon he'll be at the age where he's got his own place

and he's thinking about different career opportunities and i got ai's this big thing

so he might want to go to san francisco then he might want to go live in florence

and wherever else if he's bought a place there is a interesting sort of psychological

but also financial component to the fact

that it makes it harder for you to move with the opportunity of life

and if we are if if what people say about the future of work is true

that we're going to have many more careers in our lives than we did in the past one might assume

that we're also going to be more mobile and

so is there an argument to say

that buying a house might hurt my professional opportunities my ability to pursue professional opportunities the answer is possibly right

but here's the thing about rent rent's interestingly enough a major obligation right usually

when you go

and you do a lease you lock yourself into a one-year lease sometimes you lock yourself into a two-year lease

when you buy something and this is assuming

that you have the money to buy something steven look up

because you've got all the data at your fingertips here look

what the average length of time it takes to sell a home in the united states just just google

that right now

because what i will tell you is in certain markets you can put your home on the market

and you can sell it in less than 90 days now

some markets you can sell your home in less than 30 days in many cases you actually have more flexibility

when you own something than when you rent and that's

if you want to sell it it says the average time

from listing to sale is about 47 to 62 days from

listing to closing in 2025 including 16 days on the market and 30 to 45 days to close

That's called less than two months.

Even in hot markets, the process from putting a house on the market to legally selling it can take 1.5 to three months, meaning home equity isn't a quickly accessible investment.

Yeah, but do you think that's pretty quick?

90 days?

No, it is.

It is.

I mean, it takes you that much time to get out of a lease.

Exactly.

So here you've got a piece of property that you can turn around and sell in less than 90 days.

Now, this is the US.

You can't do that.

Like, for instance, I live in Italy.

That could be very hard to do that in Italy.

But in the US, you've got something that's in a good market.

It's liquid.

The other thing is you can rent it, right?

You're actually not trapped.

If you start to build equity in your home and you pay your mortgage down slightly, next thing you know, you're able to rent that property and you can still move.

Today, people are taking their homes and they're Airbnb-ing them.

What I really want for people is the chance to be financially free.

There's also an age at which it doesn't matter if you own.

You know, once you start to get older and you've built financial security, you get in your 50s or your 60s or your 70s

and you just want to travel and you don't want to own anything, that's a different stage of life.

So the question just becomes, the money that you make, I go back to the 90,000-hour comment.

When you work 90,000 hours over your lifetime, what's your plan to keep some of this money?

You have to have a pay-yourself-first plan.

That has to be your number one priority, is that when you earn money, the first person who you're going to pay is you.

if you say you know what i watched steven

and i saw david and i've seen a bunch of other people on his show

and i'm not going to buy a house okay then you

have to pay yourself first more now i go around the

world for the last 30 years starting with oprah with the automatic millionaire i launched this book on oprah

and i talked about you have to save one hour day of your income

and people will get on these social media boards and be like i can't save 10 of my income

I can't live off 90% of my income.

It's not possible I have to spend all of it, right?

Well, then that person who's renting and not buying a house, which is forced savings, is clearly never going to save.

So the other thing about buying a house is it does require forced savings because when you have a mortgage payment, part of that mortgage payment is paying down your debt.

And I teach you how to use a biweekly mortgage payment plan.

So you take a 30-year mortgage and you pay it off five years earlier.

And doing that can save you, depends on the size of the home, can save you $50,000 to $100,000 just in interest payments.

You talk about having a savings mindset

what is a savings mindset and how does one go about saving

if they are one of those people

that says listen i'm barely getting by as it is david

yeah how the hell am i going to save money

when i'm actually increasingly getting into more debt right now

so the first thing is you have to find your money right

so what i what i find steve is

when i talk to people most people don't know where their

money goes literally they don't know they're like i'm like how

much money you spend a month well i'm not really sure

how much money you spend a year well i'm not really sure you need to be sure

so you should be doing something to track where your money

goes now you can be sophisticated you can use an app

that will track where your money goes you can also take out a pad of paper

and i give people a seven day financial challenge for seven

days just bring a little pad of paper with you

and write down every single day where your money goes now why do i want people to do

that because most people today are spending money unconsciously i go back to these phones the fact

that i don't i don't even have to carry a wallet anymore right it's just click click click

and pay for things we've lost touch with spending money so

when people start to see what they're really spending it's a

wake-up call the biggest thing i've been sharing lately is what

does it take to blow ten thousand dollars a year per

day in terms of spending how much money do you need to spend a a day to blow $10,000.

Now show us the per here.

Now we happen to have these are we have pounds today, right?

So I'm holding, Stephen, right now I'm holding what is known as a brick.

So I don't know if your staff told you how much I'm holding here.

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You know what, what'd you guess I'm holding?

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It looks like maybe $5,000.

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Okay, so this is a life-changing amount of money.

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Stephen, this is $10,000, right?

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And what does it take to blow $10,000

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in a year per day how much money you have to

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spend per day to go through ten thousand dollars i'll make

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it easy for you the the answer is 27.40 a day

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27.40 a day adds up equaling ten thousand dollars over the

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year now before we go through where do you where do

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you spend this money how do you waste 27.40 a day the question becomes if you didn't waste 27.40 a day

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and you were able to get yourself to invest $10,000 a year, what could this be worth over time?

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And the answer is in 40 years, if this was in the S&P 500 fund, which you quoted earlier, and you earn 10% annually with reinvested dividends,

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that stack there would grow to over $4,400,000 if you invested $27.40 a day.

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Pass me this big, Brett.

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Yeah.

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So if I save half of this a day, then in, did you say 40 years?

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In 40 years.

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So let me give you the math on a couple of different ways of doing this.

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Okay, so what would happen if you invested roughly half of this a day?

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The number I use is $27.40 a day.

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It's the magic number.

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That equals $10,000 a year.

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If you invested that a day for 40 years, you'd have over $4,424,000.

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If I invest $27 a day, in 40 years, I'll have $4 million.

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Over $4 million.

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Let's go through the yeah buts now, because people are going to hear this.

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Some people are going to go, wait, what?

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And then we'll talk about where you find $27.40 a day.

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Yeah, but $4,400,000 won't be worth a lot of money in 40 years.

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with inflation it won't be worth that much it won't have the same purchasing power

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my answer would be it's worth a whole lot more than zero right

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if you're not saving any money

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if you can't save 27.40 a day you won't have four million four hundred thousand dollars yeah

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but with taxes you know it won't grow that much well it could

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if it was in a retirement account you wouldn't be paying taxes on the money yeah

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but it's not possible to earn 10 on my money Well,

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the stock market for over 100 years has averaged over 10% annually with reinvested dividends.

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Yeah, but the stock market's risky and complicated.

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Well, no, it's not.

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If you bought an index fund, it's actually not that risky and complicated.

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Yeah, but I don't know.

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I don't know how to get started well you could start

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really easily you could open up a brokerage account you could

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go to a charles schwab fidelity i mean i'm literally gonna go through them all vanguard robin hood coinbase acorns

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and in less than 10 minutes you could open up an account

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and be saving pick a dollar amount five dollars a day ten dollars a day 27 a day and

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that could change your life now why is ten thousand dollars

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steven such an important dollar amount here's what i can tell

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you having done this for 30 years this dollar amount right here first of all this is

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one in two americans don't have a thousand dollars in a bank account right now

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so this is 10 times what one out of two americans have

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but more importantly ten thousand dollars when we do surveys

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and we ask people how much money would it take to totally change your life

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the answer is not a million dollars the answer is not a hundred thousand dollars

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the answer is actually ten thousand and the question is why is it ten thousand

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and the reason is is that's about what the average person has in credit card debt

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and they feel like they're drowning like you talked about earlier

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and they know that that could pay off their credit card debt

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or they have a job they don't like and they if you knew that if they had ten thousand dollars

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in a savings account they'd quit that job

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and they'd be free they'd have to go find another job

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or start a business or something or start a business

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or god forbid they're an abusive relationship and they can't leave

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but if they had ten thousand dollars they'd leave

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so you know a lot of people go david just make this all too simple

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and it's true i do because when it's simple people take action on it

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so for years i have taught this concept called the latte

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factor a lot of people love me for it now i have a lot of people hate me for it

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and i have taught

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that you know we waste small amounts of money on little

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thing i had your staff bring me a nice coffee um

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when i started teaching the latte factor i would talk about the idea

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that we waste five bucks a day on coffee and that

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if you don't believe you can start saving

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and investing at least save five dollars a day make your coffee at home

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and people would say

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but i don't want to give up my coffee okay well

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then figure out another way to save five dollars a day

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this iced coffee i don't know what cost you're in london in new york city

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that coffee right there is nine dollars and fifty cents

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plus a tip it's over 11 bucks i know

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because i was just in new york

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so today we had a bunch of props here

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and i said well let's try to show like what what is 27.40 like

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when i go to my hotel later

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when i leave here a cocktail is going to be 30

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bucks right i was just in new york city cocktail i

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had a cocktail my hotel was 31.50 wine 50 eating out you go and have lunch today it's going to be $25.

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And people say, well, I have to eat.

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And I go, I know you do, but you could also ground bag your lunch.

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It's what my grandmother did.

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Now her friends teased her, but my grandma was able to retire to California and her friends all got stuck in Milwaukee,

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Wisconsin where it was cold because they couldn't afford to retire the way she did.

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How many people could actually save $27 a day?

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Because if I go back again, just over 10 years of my life, I mean, there's no chance I could to save $27 in a day.

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There's just no, there's just no, there's no way.

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If you go back to what age?

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If I go back to between like 18, 19 years old, roughly that period of my life.

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Yeah.

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There was no way I could have saved $27 a day.

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Here's really the question.

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Do you have friends

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and do you think you have people who work with you who are making more than $50,000 a year

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and they're not saving $27 a day.

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They're not even saving $10 a day.

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This is true.

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I actually did a bit of research on this and it says approximately 40 to 50 million families, if we just take the United States, where I think there's what, 330 million people roughly?

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Approximately 40 to 50 million families in the US can realistically save $27 a day.

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This represents roughly the top 30 to 35% of households.

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For everyone else, the bottom 65 to 70%, Saving that amount would require either extreme poverty-level budgeting or is a mathematical impossibility.

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Over 40 million people they think can afford to save $27.50 a day?

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Yes, it's based based on income and expenditure data from 2025 to 2026.

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Approximately 40 to 50 million families in the U.S can realistically save $27 a day.

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So for those 40 to 50 million people in the United States, that would be life-changing.

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Now, are there people who can't afford to say that?

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Absolutely.

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In the United States, I was just in Arizona.

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I just did a keynote speech.

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I asked the audience, this is when the government was shut down.

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I said, how many people do you think in America are taking and receiving snap checks?

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What's that?

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Thank you.

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Because by the way, most Americans don't even know what a snap check is.

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That's a check that the government gives to people for food

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and the dollar amounts a little over six dollars a day

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so smart people in a room by the way i didn't

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know the answer to this a week prior either the answer is about 41

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and a half million americans get a snap check

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when i told the room that the room gasped i said

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so when you wonder when you hear that the government was shut down for six weeks that was three pay cycles

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well the average american doesn't have two weeks of expenses set aside

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i mean i don't think everybody fully grasps the problem right

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now four out of ten americans can't get their hands on a thousand dollars in case of merge purposes

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if you actually dig into the federal reserve data, it's 37% of Americans can't get their hands on $400 in case of emergency purposes.

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So there's a whole section of America that's truly struggling.

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But there's a whole lot of America that is still struggling.

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They're living paycheck to paycheck, but their money's being taken from them all the time because they don't have a plan for it.

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For that bottom 60% of Americans that my research says wouldn't be able to save $27 a day.

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The data reveals a discretionary income cliff once you drop below the top 40% of earners, the money available after bills vanishes rapidly.

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The top 20%, which earn I think $96,000 per household, are in a surplus.

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The middle 20% have a $15,000 surplus, which the $27 a day takes 66% from.

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But the bottom 40% often have a roughly $2,000 surplus

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so it's impossible for them to get to the $10,000 for that bottom 40%

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what's the advice for them start with something okay it's like we took this 50

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and we said cut it in half 25 i would say

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can you save a dollar a day i have actually talked about this idea

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really simple could you save ten dollars a day for 100 days

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so like if you're listening to me

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and you happen to really be struggling right now my question

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would be could you save ten dollars a day for 100 days why

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because it would get you your first thousand dollars

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and you now have more than 50 of americans who don't have savings

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and i can't tell you how many people have come back after 100 days

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and said okay i did it wasn't easy for some people

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saving ten dollars a day could be really really hard

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but you're you're into fitness you saw my son who just came in here

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fitness is built through daily action right it's built through daily

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action daily eating well going to the gym doing certain things on a regular basis savings the same thing

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there's a company called acorns i invested acorns back in 2015 acorns came up with an app

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that helps you roll your change up so if i go to starbucks

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and i spend nine dollars and fifty on a coffee, you can round it up where the 50 cents to 10 bucks is put into investments.

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Just rounding up your change.

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And people have saved tens of thousands of dollars over the last 10 years by just rounding up their change.

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If you love the Diveriver CEO brand and you watch this channel, please do me a huge favor, become part of the 15% of the viewers on this channel that have hit the subscribe button.

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It helps us tremendously and the bigger the channel gets, the bigger the guests.

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Per chi è questo video?

Questo video è perfetto per chi vuole migliorare la pronuncia inglese e la comprensione conversazionale, soprattutto a livello intermedio o avanzato. Ideale per chi cerca spunti pratici su finanza e vita quotidiana, ma anche per chi vuole esercitarsi con dialoghi reali, fluidi e ricchi di espressioni colloquiali. Se il tuo obiettivo è parlare inglese con confidenza e capire discussioni spontanee, questo è un ottimo materiale per la pratica di conversazione in inglese.

Parole e modi di dire da rubare

Lock yourself into: "Impegnarti a" o "Bloccarti in". Esempio: "Non vuoi lock yourself into un contratto a lungo termine".
Home equity: "Valore netto della casa" (la differenza tra il prezzo di vendita e il mutuo rimasto).
Liquid: "Liquidi" (riferito a un bene che si vende facilmente). Nel video: "In USA, le case sono più liquidi".
Airbnb-ing them: "Affittarle su Airbnb". Un verbo creato dal nome della piattaforma, usato spesso in contesti informali.

Come migliorare la pronuncia: focus sullo speaker

Lo speaker ha una pronuncia chiara e veloce, tipica del inglese americano. Per imitarlo, usa la tecnica dello shadowing: ripeti le frasi subito dopo di lui, cercando di seguire il ritmo e l'intonazione. Nota come "mobility" (mobilità) e "opportunities" (opportunità) hanno una accentuazione sulla seconda sillaba. Per esercitarti, usa un shadowing site o un app come shadowspeak per registrare te stesso e confrontarti. Ricorda: la chiave è la fluidità, non la perfezione. Prova a ripetere frasi come "the process from putting a house on the market to legally selling it" (il processo dal mettere in vendita una casa alla vendita legale) per esercitare la connessione tra le parole. Con la shadow speak, migliorerai non solo la pronuncia, ma anche la comprensione auditiva in tempo reale!

La grammatica di questo video

Le strutture che chi parla usa di più, con le parole esatte del video:

Struttura	Nel video
Present perfect have/has + participio passato — un’azione passata che conta ancora adesso	you've built · i've seen · we've lost
Forma passiva be + participio passato — conta ciò che accade, non chi lo fa	is forced · is known · was shut
Frasi relative who / which + frase — un’informazione in più su una persona o una cosa	person who you · house, which is · people who work

Cos'è la tecnica dello Shadowing?

Shadowing è una tecnica di apprendimento delle lingue supportata da studi scientifici, originariamente sviluppata per la formazione dei traduttori professionisti e resa popolare dal poliglotta Dr. Alexander Arguelles. Il metodo è semplice ma potente: ascolti un audio in inglese di madrelingua e lo ripeti immediatamente ad alta voce — come un'ombra che segue il parlante con un ritardo di solo 1–2 secondi. A differenza dell'ascolto passivo o degli esercizi di grammatica, lo shadowing costringe il tuo cervello e i muscoli della bocca a elaborare e riprodurre simultaneamente i modelli di discorso reale. La ricerca dimostra che migliora significativamente la precisione della pronuncia, l'intonazione, il ritmo, il discorso connesso, la comprensione dell'ascolto e la fluidità del parlato — rendendolo uno dei metodi più efficaci per la preparazione alla prova di speaking dell'IELTS e per la comunicazione reale in inglese.

Tecnica dello shadowing: leggi la guida completa passo dopo passo →

Pratica di Shadowing: If YOU Give Me 17 Minutes, You'll Never Be Broke Again - Impara a parlare inglese con i video

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Per chi è questo video?

Parole e modi di dire da rubare

Come migliorare la pronuncia: focus sullo speaker

La grammatica di questo video

Cos'è la tecnica dello Shadowing?