"You are ahead if you have more than -$27,000" Me with 3 dollars: *nice*

@moorebrothers-financialind9640

3 жыл бұрын

*reaches for loose coins in the couch 😎

@JasonClineShow

3 жыл бұрын

Join the club fam 😂 I thought becoming TikTok famous would change my situation... NOPE!

@ygbodybuilder3023

3 жыл бұрын

Lol

@destinhook3826

3 жыл бұрын

Jason Cline Show you can turn social media fame into money, it’s up to you to figure that out.

@lanceknuth5300

3 жыл бұрын

Nice

Me: 30k in debt and barely making rent Parents: where are my grandchildren?!

@mmmmmMuffinz

3 жыл бұрын

BOOMER MOMENT

@DagnirRen

3 жыл бұрын

skyZ bruh fr doe on a stack 😂 👌🏻

@lanceknuth5300

3 жыл бұрын

Ask them for a loan of $30,000 with a -%6 APR.

@duketogo2616

3 жыл бұрын

Do they have grandchildren money?

@JugsOnMySack

3 жыл бұрын

Boomer logic don't equate to modern times

awesome video We all aspire to financial security and a better quality of life. With the correct investment, modest lifestyle, and planning, accomplishing this is not difficult. I'm pleased I was taught to work hard for financial independence at a young age.

@Brittany-reeds

Жыл бұрын

My belief is that making a wise investment is a fantastic way to save money for the future as well as a way to generate passive income. Those who make poor mistakes early in life regret them later in life. Yet, investing can be challenging and dangerous if done alone. For this reason, I suggest getting professional assistance (financial advisors). The problem is effectively applying it, not merely watching videos and reading investing books.

@Victoriataylor5668

Жыл бұрын

@@Brittany-reeds Sincerely, I'm genuinely moved by what you said. I have a sizable amount of money that I am willing to invest if given the appropriate knowledge and I am highly interested in investing. My greatest concern is losing money on a bad investment. I'm open to hearing your advice on how to make sensible investments as a result.

@Brittany-reeds

Жыл бұрын

@@Victoriataylor5668 As an OAP with extensive experience, I firmly think that having the appropriate information is essential to the success of any investment. Regardless of what others may say, do whatever you set your mind to. Warren Buffer frequently advises, "Be fearful when others are greedy, and greedy when others are fearful." The secret to succeeding even while others fail is undoubtedly this. Working with financial advisor ALICE ELAINE HAYHURST, I earned $100,000. So far, working with her has been a promising experience.

@Victoriataylor5668

Жыл бұрын

@@Brittany-reeds Please, how do I connect with your financial planner?

@Brittany-reeds

Жыл бұрын

@@Victoriataylor5668 quickly do a web check where you can connect with her, and do your research with her full names mentioned..

Great Video Mav! Maybe make a video on potential investments in this current market that would fetch substantial profit, been coming across articles on bloomberg, business insider etc about folks raking in $200K averagely in 6weeks using some sophisticated strategy and I'd love to know how.

@lipglosskitten2610

Жыл бұрын

There are actually a lot of ways to make high yields in a crisis, but such trades are best done under the supervision of Financial advisor.

@kenanporubsky2122

Жыл бұрын

Thats true, I've been getting assisted by a FA for almost a year now, I started out with less than $200K and I'm just $19,000 short of half a million in profit.

@kenanporubsky2122

Жыл бұрын

@Dan Brooks My advisor is ‘’Christine Jane Mclean’’ she’s highly qualified and experienced in the financial market. She has extensive knowledge of portfolio diversity and is considered an expert in the field. I recommend researching her credentials further. She has many years of experience and is a valuable resource for anyone looking to navigate the financial market

@lipglosskitten2610

Жыл бұрын

@@kenanporubsky2122 She appears to be well-educated and well-read. I ran a Google search on her name and came across her website; thank you for sharing.

If you can avoid student loans, then you’ll be wealthier than most Americans

@d.hodges5376

3 жыл бұрын

Honestly!!!

@kylelarimore7522

3 жыл бұрын

So should I avoid college?

@Iceisthegoat

3 жыл бұрын

i made 20k this week from stocks so im ahead by a lot and only 23

@panpluto13

3 жыл бұрын

@@kylelarimore7522 possibly

@yvonnesolomon3357

3 жыл бұрын

Daniel M Or get a degree in an in-demand, high paying field

“high interest savings account” I too remember 2019

@GrahamStephan

3 жыл бұрын

:P

@jroysdon

3 жыл бұрын

@Brother Augustine - Right? 1% "HYS" - hah!

@jrfish007

3 жыл бұрын

Kuuryo I highly doubt it, interest rate have to stay low otherwise the feds will owe to much on that massive debt they have now days. Look around Europe and their negative interest rates.

@adventuresofneric2624

3 жыл бұрын

I had a savings account with a 20% rate... 40 years ago, lol

@manictiger

3 жыл бұрын

Just buy meat, make jerky out of it and vacuum seal it with O2 absorbers and stick it in the fridge (to prevent botulism). Meat's gone up around 35% in just a few months, so by 2021, it'll probably be 3,000 dollars for a slice of steak.

who else is on the anxiety train and obsessively investing in their 20's?

@puppy3908

3 жыл бұрын

@Graham Stephan ^^^^^^^^^^^ Scammer bois

@DavidEVogel

3 жыл бұрын

ha ha . I am 71 and began investing at 34. Make your investing fun. Consider it a hobby. An experiment.

@stonks5343

3 жыл бұрын

MEEE!! except I'm 15 LOL

@hollie7893

3 жыл бұрын

24 and I’m feeling it

@feuerrm

2 жыл бұрын

I've just begun investing at 19. Want to start good habits early!

The retirement fund that my husband and I have built up is doing quite nicely. The majority of the money, which averaged roughly $2 million, was made by taking advantage of the opportunity to purchase luxury stocks at a significant discount during the Great Recession. 2009 saw my stockbroker fired, all of my mutual funds liquidated, and I purchase individual dividend stocks. You can succeed if you are patient, don't panic, and do your homework.

@AmFaucher255

Жыл бұрын

Also, Stay in touch with an Investment-Adviser. Based on firsthand encounter, I can say for certain their skillsets are topnotch, I've raised more than a million since 2021. Just bought my 3rd property for rental. Credit to Brianna Mckee Harris.. my Investment-Adviser. Most likely, the internet should have her basic info, you can research if you like

@waltermartinelli8384

Жыл бұрын

@@AmFaucher255 I just googled her and I'm really impressed with her credntials; My portfolio has been down bad, I reached out to her since I need all the assistance I can get.

@thclapper2258

Жыл бұрын

@@AmFaucher255 Very true I've been able to scale from $350K to $650K this red season because my FA figured out Defensive strategies to protect my portfolio and profit from this roller coaster market.

@patrickseyferth629

Жыл бұрын

@@AmFaucher255 congrats on the 3rd property!!

@CilliansGarmin

11 ай бұрын

@@waltermartinelli8384bots, bots everywhere

By age 20, open a Roth IRA and deposit your negative 27,000 into it.

@thatssosteffi3583

3 жыл бұрын

😂😂

@dracodragon5291

3 жыл бұрын

Yeah that way it’ll be tax free by age 59 and a half

@MsNeelamma

3 жыл бұрын

Lmao, aaahhh that was good

@jcrawford5674

3 жыл бұрын

😭😂💔

@todymaverick

3 жыл бұрын

negative 27000? more like negative 100,000

the fact that the $500 in my savings account means that I’m already ahead of most people my age is a little concerning tbh

@thegreat9481

3 жыл бұрын

You should be concerned wit just the $500 lol

@hannesproductions4302

3 жыл бұрын

Guess who gets to pay for their retierment...

@untouchable360x

3 жыл бұрын

You are ahead of 40% of americans.

@JasonClineShow

3 жыл бұрын

Look up what percentage of adults can afford a surprise expense of $500.. that will blow your mind 🤯

@wild_taco_gonecrazycorona9112

3 жыл бұрын

lmao you have nothing to loose one way to look

When you invest, you're buying a day you don't have to work

@popsarah7805

2 жыл бұрын

@Caro Sullivan It's not ignorance but due to some unprofessional broker in the market

@johnchris7085

2 жыл бұрын

I recently got into forex trading and im already marveling over the profits I'm making, I'm like " how the hell have i been sleeping on this

@christopherhobb7702

2 жыл бұрын

@@johnchris7085 Same here, I wish I knew about this Bitcoin trading earlier, brace up and get yourself some Bitcoin before it's too late

@lukeben1596

2 жыл бұрын

Most people venture into investments to be a millionaire meanwhile I just want to be debt free and live comfortably

@indiaculture5166

2 жыл бұрын

I'm new to this Bitcoin trading, how do I get started with a professional expert

You work for 40yrs to have $1M in your retirement, meanwhile some people are putting just $10K in a meme coin from just a few months ago and now they are multimillionaires.,,,,

@kirstenraedmund7346

Жыл бұрын

You are right. Been thinking of going into gold and cyptocurrency

@tracyholian2944

Жыл бұрын

It's obvious everyone is doing this online Investment.

@clydeorlan2615

Жыл бұрын

​@@tracyholian2944 I totally agree with you it has been an eye-opening experience for a lot of people.

@ademusiaka7198

Жыл бұрын

Investment is the key to achieving success with the current pandemic slowing down so many businesses aww

@alinamikelle8688

Жыл бұрын

Talking about been successful. I know I am blessed if not I wouldn't have met someone is as spectacular as Stacy Griffin.

Ah okay I failed so far - quickbooks says my networth is a big number - but there’s a minus in front

@widjadija

3 жыл бұрын

Two of my favorite KZreadrs in one place

@GrahamStephan

3 жыл бұрын

Just turn off your computer and turn it back on again to see is the minus sign goes away

@nathanaeldufresne9467

3 жыл бұрын

Omg, Meet Kevin and Graham Stephan!

@marketslice5030

3 жыл бұрын

Negative balance. Positive influence. Neutral on Sunday brunch locations.

@patrickcunningham7483

3 жыл бұрын

Isiah Careful with your words. The IRA is a terrorist organisation in Ireland which fought the British for independence and freedom.

As a 16 year old I am glad that I am learning this stuff now

@dan_4531

3 жыл бұрын

Wish i did at 16! I started at 19

@thefiendbraywyatt8449

3 жыл бұрын

me too

@Snacc741

3 жыл бұрын

20 here we can do it Boysss!

@thepersonbehindelonmusksuc1634

3 жыл бұрын

10 here 😃

@amie2949

3 жыл бұрын

@@thepersonbehindelonmusksuc1634 keep watching these types of videos, trust me

According to my Adviser; *Investing for Retirement is better than Saving for Retirement.*

@wedsonolivia4103

Жыл бұрын

What I think you need is a Financial Adviser, who can help you get in and out of any investment at any time and you'd sure be in Profit

@wedsonolivia4103

Жыл бұрын

*Teresa Jensen White,* That's whom i work with

@constanciacollene9585

Жыл бұрын

I'm surprised you know her too. I've been making a lot of profits learning and investing with her for a few months now.

@constanciacollene9585

Жыл бұрын

Teresa Jensen White is one of the best mentor/trader I have ever worked with in the past few years, she knows how best to deal with whatever market situation.

@wedsonolivia4103

Жыл бұрын

No she's not!... KZread is a public place; i can't drop her information here but You can just put her name on google and you will be directed to her website and drop her your message.

i am 46, and only started about a year ago or two to really care about my savings . I had been doing "normal" things that most of us people do, buying too much car, spending small amounts (but many times) on very silly things and so on . So now I have a bit over a year worth of salary saved in cash, and i feel so much better than when i had virtually zero in my bank accounts . But it hurts me very much to think that had i started 20 years ago, i would have been in a much different position right now . But hey, better late than never !

@hartake6667

Жыл бұрын

Yep better now than never

@e-spy

Жыл бұрын

I had to start over at 48, and in 12 years managed to get $450k in savings, paid off all bills (including kids' college) and my house is owed less than 8k. It can be done! good luck!

@albertobenelli

Жыл бұрын

@@e-spy damn , that’s a lot of saving power in 12 years . I am trying to grow my side jobs to increase the income flow but I would not be able to save as much as you did . If I do a great job I might save 15k (euro) to 20k a year . But that’s enough for me . You did an amazing job .

@e-spy

Жыл бұрын

@@albertobenelli Thanks, but keep in mind the market was doing really well the last 10 years. Most made at least 15%, but I did pay attention and got around 45% on average. I saved 25% of my salary for investments, another 25% into savings. The rest went to pay down debt, so I bought nothing. My car is 18 years old, for example, but runs great. I knew I had to get it together if I ever wanted to retire. The sacrifice was worth it, though I now have a reputation for being too frugal, lol.

@albertobenelli

Жыл бұрын

@@e-spy I think you did an amazing job and pesce of mind has no value . I have to say my savings are now growing at an exponential rate so i might be surprised by how much I might save in the next 10-15 years . After a very strict beginning now I decided to let go every now and than to spend some extra money on a nice night out with friends or with my daughter . If a month I save a bit less than average, I save more the following month . It must not become an obsession either . Thank you for sharing your experience . I wish you a good day .

Realized I don't have 1x my annual salary saved up so I just quit my job and now I'm an overachiever.

@scottydont2549

3 жыл бұрын

This is the way

Gram : the average is -27,000 My exact debt: 27,000 👀.

@mp40submachinegun81

3 жыл бұрын

Well 50% of people are worse off than you so you got that goin

@jordanneedscoffee

3 жыл бұрын

Well the -$27,000 is net worth not debt, so if you own literally anything you have a higher net worth than that.

@secondengineer9814

2 жыл бұрын

Given that only 41% of people enroll in college, and the average also includes all the people who didn't go to college, so it sounds like you're doing pretty well (if you went to college)

@sacramentallyill

2 жыл бұрын

You're just an average guy.

12:00 I think every 20 year old needs to hear that! It's so insanely eye-opening. Thank you for making financial topics intersting Graham

This is cute, but most of us are here at age 30+ because we were absolute morons with our money in our 20s 🤣

@Pepecoin123

2 жыл бұрын

Lol yup I’m 31 and burly gettin out of debt and less that $2,000 in saving

@degeneratechris

2 жыл бұрын

Yeppppp lol 34 here

@ShaferHart

2 жыл бұрын

I have a lot saved but little invested. Am an idiot.

@xsith3719

2 жыл бұрын

Guess I’m going places I’m 19 have 15k invested and 5k in my bank act and I’m stressing balls worried what I want to do with my life just working till I get a idea haha

@josephpeterson3844

2 жыл бұрын

15

Bruh Im 15, kids my age are trying to get a perfect 800 on the SAT reading. and here i am trying to get a perfect 800 credit score. Thanks to this guy. what am i doing with my life

@mikeganer6257

3 жыл бұрын

Props to educating yourself on videos like these at 15 years old

@carlosreyessanchez322

3 жыл бұрын

mike ganer also 15 no one in my school was trying for perfect scores. In fact most students don’t even care about school

@ryc3658

3 жыл бұрын

You’re light years ahead young one

@7minutememes277

3 жыл бұрын

@@ryc3658 We are all young.

@ClonedBear

3 жыл бұрын

Fellow 15 year old Graham viewer and finance nerd here 👍

Graham should do a poll to see how his audience compares to the average!!

@happyyourehere

3 жыл бұрын

That sounds fun!!:) Totally agree

@cokebottles5218

3 жыл бұрын

Yes

@craiglist308

3 жыл бұрын

What percentage at what age..2%?

@2freeman1

3 жыл бұрын

Agreed

@Tommyisme

3 жыл бұрын

KZread just got rid of polls on videos 😔

We all will go far . Take in as much knowledge as you can!! Always read and learn it will clique I’m 25 and come from a very poor family . But I’ve been broke that curse ! And all this Financial learning is GODLY

There’s a show called the “money guy show”, they’ve been covering this for a few years now. They even mention you a couple of times, (they see you as a great mentor). But their numbers by age are higher and always mention the power of compound interest, so $1 spent as a 20 year old is $80 wasted when you turn 60. You should check them out.

Graham: Go and get a credit card Dave Ramsey: *heavy breathing*

@MegaHeadshot1

3 жыл бұрын

HAHAHA YES!!! I was thinking the exact same thing

@tradingpsychologyacademy2025

3 жыл бұрын

omg exact thought lol

@charlesbutler8750

3 жыл бұрын

I did a project him in school

@devinpineda1467

3 жыл бұрын

😂

@AG-dl1mg

3 жыл бұрын

John Asante LOL

I’m 20 didn’t realize I was crushing it😂thx💁🏼‍♀️

@lyncolnrutherford7519

3 жыл бұрын

Same😂this made me feel good!!!

@dillonreynolds1779

3 жыл бұрын

Same😂

@ZBatt1

3 жыл бұрын

🥳🥳🥳

@kakerake6018

3 жыл бұрын

Yes I have 7 dollars take that average 20 year olds

@parkercooke5226

3 жыл бұрын

Dillon Reynolds same

I'm so lucky my dad is a financial planner. This stuff was ingrained in my brother and I.

I was 17 working ToGo orders at a Texas Roadhouse during the summer of the pandemic and the tips were really good, I also hardly spent money since everything was still restricted and I lived at home. I focused on my schoolwork as well, fast forward at 19 I currently have 18k in savings and will have no student loans since my merit scholarships cover tuition (in school for nursing). I’m paying rent with a roommate right now, but hopefully next year I can find my own place to share with my partner! My goal right now is to start saving into a Roth IRA account, and build credit!

@SirRipster

Жыл бұрын

good job! I've got 11k saved up rn at 18. I'm planning on making a ROTH IRA with vanguard

@simoncameron4355

Жыл бұрын

If u are a refuring to a partner as a woman, DON'T. Every experience I have EVER seen in the last 20 years puts them in the cost side. Women are not built how the were 30 years ago.

@januaryriches3991

Жыл бұрын

Please don’t live with a “partner” depending on the outcome, you could lose half of what you worked so hard to earn 😕

@RenTheGreat

Жыл бұрын

Women are expensive and they generally do not know the value of savings. They are here just to have fun so make sure she’s the right one.

@asamr4782

Жыл бұрын

a little update and clarification: I am the woman in my relationship and my partner is my boyfriend, who is in school for mechanical engineering. I decided to pursue two degrees since my merit scholarships cover all of my tuition and I thought 'why not.' I have a little over 19k saved now, some in investments as well, and a credit score in the 'very good' category. We are planning to wait to live together since it is very expensive in my city and we are on the younger side, but we are overall still going very strong

"-$27,000 in debt at 20" Im sorry is this some sort of American joke that im too european to understand?

@johny9567

3 жыл бұрын

Most younge adults that go to college after high school (18) or a little older say 20. Are in debt because of college

@Koushi82

3 жыл бұрын

@@johny9567 because instead of community college they go private due to bad grades not getting a scholarship or some such and want to live on their own. meaning rent. in cities like nyc a year of rent will put you down that rabbit hole even with a job. its a slave trade there. solve the rent problem you solve the student loan problem. meaning you need to destroy the rental and property value market. or raise min wage according to rental and property value market. imagine getting 5-10% raises? lmao. min wage if they want to be fair in a ratio should be tied to the rent + property value market averaging it out. kids getting creative living in their cars to avoid rent because rent is too damn high aka property values are too damn high and needs to crash to 3x income.

@mrowiegg6781

3 жыл бұрын

Bester Mitarbeiter Mhmm exactly. I live in Sweden and Im 16 so when I go to university it will cost exactly $0 lol. 32% in taxes is actually worth it hiho!

@noahhuss8260

3 жыл бұрын

@@Koushi82 Or just move out of NYC

@Koushi82

3 жыл бұрын

@@noahhuss8260 fools already did. And those that now say well you cannot complain anymore. as double standards they suck. I go where my job goes if no job no way will live in those cities. Meaning this if there are no jobs that pay the required rent being 1/3 income or 3x prop value the companies and Bus can all just go f themselves. It used to be as an owner of slaves you'd need to pay for their shelter food medicine. Now it's far far gone from that even. Owners find it cheaper to pay min wage than owning slaves. Like wow.

Pshh. I'm only 8 months old. Been saving 130% of my salary for 20 years. Will retire when I'm 7

@pavlo5085

3 жыл бұрын

You talk like your 8 months old

@yorha.a2

3 жыл бұрын

@@pavlo5085 you're

@cooldestroyer967

3 жыл бұрын

@@pavlo5085 lmao thats ironic paul

@Tigerkem

3 жыл бұрын

@@yorha.a2 That man had a family, you didn't have to destroy him like that. Lol

@martinbergqvist8327

3 жыл бұрын

Damn

You are right! your explanation is easy to follow up. thanks

@Satoshi-st

2 жыл бұрын

Amazing to know you mentioned and recommended Mr cristian , I thought I'm the only one trading with him.The best decision I ever made in my life was investing in financial market with a professional broker Expert Mr cristian AP. Trust me guys he will explain for you to undrestand the market strategies befor trading in it.

@jackmoore778

2 жыл бұрын

Wow I'm just shock to know they're people who still lose like me, I thought I'm the only one losing in trading market.

@kysonluka4426

2 жыл бұрын

Trading with an expert is the best strategy for newbies and busy investors who have little or no time t0 monitor trade??

@annalewis2975

2 жыл бұрын

I’m surprised you know him too! I’ve been making a lot of profits investing with him for few months now.

@marcusguil

2 жыл бұрын

I have $7,850 saved , I be beating myself up because I don’t have more than that contantly feeling behind..until I read these comments,I believe in y’all success and I’m immigrating with all this. So if you can do it, I can do it too..I just drop a message for him hope he reply me. THANKS 🙏🏻

Hi Graham. Been listening too you and a few other youtubers all year. I am getting my finances right this year!

I save at least 50% of the money I earn every month. It is very easy when you are over thirty years old and you still live with your parents.

@thegreat9481

3 жыл бұрын

Are you happy tho?

@maanit4740

3 жыл бұрын

F in the chat but also what a chad

@qsnaq84

3 жыл бұрын

Same here but I am moving out next month. So I am going to be broke :(

@LR.1995

3 жыл бұрын

Lol I'm 25 but the same situation. Saving about 2/3 of my monthly income ($3,200) and investing consistently, but there's really no shame in it. You're doing the right thing by living at home as long as you aren't too much of a burden on your parents. Times are different, there's really no reason to move out in your early 20's if it means you'll be burdened by rent or even mortgage payments. In my opinion (depending on how much you're earning) buying property isn't always the best move if it means most of your paycheque will be going directly to home equity and interest. It could easily inhibit your ability to build multiple streams of income if you make that leap too early.

@struanbrooks826

3 жыл бұрын

Ah so you’re the rich kid a school who’s parents will pay form them

I’m 19, making around $25k while in college, and am on track to meet my savings goal of $10k by the end of the year!

@perlalopez206

3 жыл бұрын

Wow, that's great!

@xLiLtEmPeR

3 жыл бұрын

What job you have

@valerieswart4900

3 жыл бұрын

@@xLiLtEmPeR I work as a shift supervisor at Starbucks

@ChrisPPotatoIDC

3 жыл бұрын

@@valerieswart4900 You're making 25k working at Starbucks?

@xLiLtEmPeR

3 жыл бұрын

@@valerieswart4900 nice what does a supervisor do

the black and white shots with the voice change made me subscribe! thanks for all the advice!

I find myself at a crossroads, uncertain whether to liquidate my $150,000 stock portfolio. I'm seeking advice on the best strategy to capitalize on this current market.

@sheltonPston

9 ай бұрын

Very true. Despite having no prior investing knowledge, I started investing before the pandemic and pulled in a profit of approximately $950k that same year. In reality, all I was doing was getting professional advice.

@corrySledd

9 ай бұрын

I’ve been looking to switch to an advisor for a while now. Any help pointing me to who your advisor is?

@sheltonPston

9 ай бұрын

There are a lot of independent advisors you might look into. But i work with Nicole Desiree Simon, and she is excellent. You could proceed with her if she satisfies your discretion. I endorse her

@corrySledd

9 ай бұрын

I just checked her up online, and I must admit that she has an extremely outstanding experience in investment. Thanks for sharing. I'm going to send her an email right away

I'm 48. March 2020 I had 0 saved. Today, I have over $20k invested, thanks to Graham and others. I had a bunch of collectible crap I sold off (amazing how many eyes were on Craigslist during covid) and put a $1000 a month of money I was really just pissing away. I'm laser focused now. I think I can do $2k a month from here on out for a while (maybe the next 5 years). Sorry honey, no traveling for a bit. Covid makes saving a lot easier. Thanks Graham for your no BS videos that provide so much great information and get to the point.

@playmakersmusicmashups8650

3 жыл бұрын

I love seeing a comeback story like yours!

@kehkeh92821

3 жыл бұрын

awesome man!!

@jonathan1391544

3 жыл бұрын

Hey man, I suggest you invest in Aston Martin, I predict over 1000% increase in the next 5 years. Analysts have yet to catch on to their recovery potential but its an area I have followed very closely for years. Do your own research though.

If they taught this in high school, we’d have a lot more STEM majors.

@clarifyingquestions

3 жыл бұрын

What is to teach BASIC MATH taught in grade 4.

@LindseyObrooke

3 жыл бұрын

Why, there aren't enough now? They already want to do away with liberal arts majors because most people are going into STEM.

@danielwells774

3 жыл бұрын

It doesn't really work like that.

@VeggieBob7

3 жыл бұрын

That’s not really how it works. Just because you have a Stem degree doesn’t mean it’s easier to get a job or that you’ll make a lot of money. Some of these career fields have too many people compared to the amount of jobs

@staminadaddy

3 жыл бұрын

@@VeggieBob7 just graduated as an electrical engineer in the worst pandemic and still got a job within the first month of looking. Thank God 🙏. STEM FTW

The most helpful video I've EVER watched on KZread! Thank you!!!!

Graham Stephan , Thanks a lot man

I wish you would get involved in designing High School financial literacy courses. I am old enough to be your Mom and I am a teacher but enjoy watching your videos and I truly think that teenagers would respond to your energy and knowledge.

@itzjusbrian

3 жыл бұрын

Hey I’m a president of a non profit started by teens if you’re interested in getting students at your school into finance the stock market or even real estate I would recommend starting a branch the club is expanding all over the world this year. It’s called CASH Club Corp if you look us up you can find a lot of information. - Brian

@omaralawadi8447

3 жыл бұрын

@charlie chaplin shut up Charlie

@misspriss2482

3 жыл бұрын

@charlie chaplin I'll tell you what. Show us your portfolio and net worth and then you can criticize. If it doesn't compare to his, have a seat.

@Wealth_Wisdom_Discernment

3 жыл бұрын

Dave Ramsey allready does, and it’s taught in more than half the high schools in the country now. That’s why Dave Ramsey’s net worth is over 300 million

21 years old with $30k saved up and $0 in debt! Finishing college next year and scholarships will cover my entire tuition cost.

@user-wl6nm4iw9i

3 жыл бұрын

good fucking job dude. I'm 18 and have around 3K saved up and have no debt from college since my parents help me out with that.

@mattjones4946

3 жыл бұрын

That’s great saving and all but don’t be scared of debt when it can make you money.. 21yo here.i have 2 properties I owe $340k total on that are worth roughly 400

@adrian3747_

3 жыл бұрын

thanks to mama and papa

@goaliedude32

3 жыл бұрын

Good for you, not everybody has the right environment to be able to manage that.

@waterheaterservices

3 жыл бұрын

Excellent!

What’s up Graham! Out of all the videos created this one hit home the hardest. Thank you for focus and time you’ve put into helping people out. I appreciate it man!

Just turned 20 and have been stressing so hard recently just hearing that I’m in an actually decent place puts me a bit more at ease

I just lost my job because of the pandemic, so I started a KZread cooking channel. Wish me luck!!!

@cyberartsy

3 жыл бұрын

Nice editing job! Keep going and good luck!

@veronicaoffidani6629

3 жыл бұрын

Nice, I just subscribed!

@raymondcunanan5016

3 жыл бұрын

I just subscribed! Hope youll succeed 😊

@MartVale1

3 жыл бұрын

Subscribed but keep going don’t stop.

@monical733

3 жыл бұрын

I subscribed , we all need to help eachother out

I followed Graham's advice and my credit score went from around 350 up to 720 within a couple months. Now it's 745. 800 here I come! Oh and I was just approved for a home loan!

@Brian_the_lion_

3 жыл бұрын

Hope you have at least 20% to put down!

@roxannescott6956

3 жыл бұрын

Congrats 👏

@stilliraise9201

3 жыл бұрын

Whats Graham`s advise to improve credit score?. My credit is less than yours The Woof Pack.

@maryahwyatt6564

3 жыл бұрын

🥳🥳🎉🎉

@nandolowks93

3 жыл бұрын

Brian Haifley you don’t need 20% anymore. Some lenders ask for 3.5% now.

I’m 17 and when I finish my apprenticeship when I’m 20 I’ll have 0 student debt and a good income, I never realised im ahead of the curve

@GrahamStephan

3 жыл бұрын

NICE!!

@jackchambers1839

3 жыл бұрын

@@GrahamStephan I love ur vids, u don’t know how many people u help with their lives with ur vids, good luck with your Career in the future ahead

Thank you so much for this video. People really need to hear this.

Graham you are my favorite KZreadr and I have been watching you for 2 years. I’m a ten year old my dad is also a realtor but he is based in The Santa Clara County. I always ask him and my mom about all the stuff you talk about like tax write offs, boosting credit scores, saving money and etc. I love your KZread channel and think you are one of the best business youtubers. I want to help my dad flip houses and pass out flyers. I already made 470 dollars on the stock market from all of my birthday money and I saved all of it. If you reply that would be so amazing because I really want to here your opinion on my story. I am ten years old and I love your KZread channel and think that you are a very intelligent person.

@oneliaduarte8660

3 жыл бұрын

Ima keep reposting till graham replies

Im 20 with 50k saved. 0 debt. I live a debt free lifestyle (a part of the FIRE community), started working multiple jobs since 13. Now im 1 year away from graduating with my undergrad in comp sci debt free thanks to hella scholarships. I was raised a by 2 dave ramsey fanatics, so we follow the baby steps religiously. I always had an emergency fund set aside for myself. I started investing at 16 between mutual funds and roth ira. I plan to get into my 401k next year upon getting a fulltime job once i graduate and really plug ahead on investing more. Saving up for a duplex/multi family home to start that passive income, and have 5 side hustles/income streams at the moment. Live below your means, save 50% or more your income, keep expenses low, live frugal, say no to debt, and INVEST AS EARLY AS POSSIBLE. Its channels like these that motivate you to reach your financial goals.

@Ammut6

3 жыл бұрын

Hows your eating lifestyle? Breakfast lunch dinner snacks etc. Just curious

@goaliedude32

3 жыл бұрын

Those are not reasonable for most people. You're in the

@margaritasytcheva2730

3 жыл бұрын

@@goaliedude32 Yeah especially the scholarships part. I applied to probably 50 or so scholarships. Didn't get a single one. The only scholarship I had was offered by my school that was basically canceled out by the rise in tuition. I also go to an instate engineering school while already being a year ahead in my program (to save money lol). Rippp

@caroljane8378

3 жыл бұрын

Do you have time for leisure time? Do you enjoy your life and what’s one of the side hustles ?

@CDizzlePwnage

3 жыл бұрын

Lmao sounds like a really enjoyable life you live

Very informative video. I appreciate all of the time you put into this video!

Thanks for sharing!’ We agree it’s a great measurement AND motivation if we happen to get off track!! Definitely hitting the like button!!

Starting in my twenties, I put away $50 a week as an emergency fund. So when an unexpected expense (ex. dental) came up, I would pay with a reward credit card, then I would dip into my emergency fund to pay the balance in full to avoid paying interest. 😀 Doing this avoided some stress in my life!

I need to save $100,000 so I can spend it all in 56 minutes like Jake Paul did. 😉

@MisterPol

3 жыл бұрын

Thank you for your tips and motivation Graham btw!!

@GrahamStephan

3 жыл бұрын

Tesla call options

@laurabilze3105

3 жыл бұрын

Love your videos Paul

@MisterPol

3 жыл бұрын

@@laurabilze3105 woo thank you Laura!!!

@Zhello79

3 жыл бұрын

Lol how did he do that in less than an hour? Not the wisest spender lol *laughs in Creole* 🤣

It's great to have a series of targets to shoot for. One of my favorite quotes is "if you aim at nothing you will hit it every time."

Awesome video, I feel like I am late to the party at 23 but after reading these comments I feel that I found this video at the perfect time! A common trend I am seeing is that spending recklessly in your 20's can destroy your whole future.

A year ago I was 20, had no savings, no investments and was constantly stressed about bills and over drafting my checking account. In the last six months I've got two high-interest savings accounts along with an emergency fund saved up, making money on my investments and am building my credit score. Thanks Graham.

I really love it when youtubers take the time to write the summary in the description box. The effort is really appreciated!

@kymox9945

Жыл бұрын

Probably his editor

This si priceless advice Thank you.

This is by far one of your greatest videos ever Graham

I’m way ahead in the positive and I’m only 16 years old. I started my KZread channel at around 13 and it’s now making me money.

@seanmcmagic

3 жыл бұрын

I just watched a video on your channel that has 4.3 million views! That's insane brotha!

@Fiiggy

3 жыл бұрын

Just seen your channel wow man great going keep grinding you’ll be made before you’re 20!

@dillonbenoit1413

3 жыл бұрын

Do you have any tips?

@tinydough8746

3 жыл бұрын

That’s epic. How much have you made so far?

@JJJ2_00

3 жыл бұрын

tinydough I’m commenting to see when this gets answered

My relationship with money has changed since I found this channel. Thanks for your videos Graham

@GrahamStephan

3 жыл бұрын

so happy to hear!

Found your channel researching real estate investing and love your videos. You’re fun too which is a bonus haha, keep it up and thanks for the info!

Great video, thanks Graham!

My only complain is that I didn’t find you sooner. Crazy how within just a few videos my mind set has changed in the way I view things. I would always blame school and parents for not teaching us the things we really needed to learn. However as an adult is our responsibility to go out and learn it. Thank you for all the advice you have shared with us.

Money doesn't buy happiness, money can buy experiences but it's up to you to live in the moment. As much as I love saving money, it should be a fun task rather than a chore - having tangible goals helps a ton (like I want to buy a car, house, etc) rather than "I want a million bucks"

@johnconnor7501

3 жыл бұрын

Sounds right to me.

@Trey50Daniel

3 жыл бұрын

Money may not be able to strictly buy happiness, but it can eliminate any problems that cause unhappiness, in turn increasing your overall happiness.

@PeterBilzerian

3 жыл бұрын

@@Trey50Daniel I definitely agree with this to an extent, like man if I had enough money I would eliminate other peoples' unhappiness every single day because I love helping others.

@rienokimchee6687

3 жыл бұрын

just ask dan bilzerian for some money

@PeterBilzerian

3 жыл бұрын

@@rienokimchee6687 He's my cousin and I love him but I've never taken a dime from him, I'm self-made and want to keep it that way lmao

17 years old. Thank you for this information, you’re teaching better, the most teachers

I’m 20 and this channel has helped me so much! I now have a 401k, roth IRA, brokerage acc w fidelity, and am saving for my first house. Thanks Graham!

Watching a few of these videos leads to a dedication to smart decision making... watching too many of these videos leads to crippling anxiety

I'm 19, have $7k in my Roth, and $1.2k in Robinhood. No debt, college is completely paid for and working an internship!! Credit score of 760 ;)

@bigjamal5229

3 жыл бұрын

Bruh I'm 17, teach me your ways 😂

@Mellissaruizpa

3 жыл бұрын

Congrats

@JasonClineShow

3 жыл бұрын

That’s amazing! Congrats!

@johnturnerjr7221

3 жыл бұрын

Nice work!

@tankbank4821

3 жыл бұрын

Big Jamal 😂😂mann but he did say college completely paid for so I’m assuming handouts ?

I've chose the right time I think to watch this video thank you

I’ve been investing since I was 16, I’ve been blessed to finally be able to this year I’m 21 live off passive income and not erode my base capital while still having money to invest into other income streams. Thanks for all your help Graham. (Will I stop working, yes my 9-5 but there’s so much other asset classes to profit from and I’m excited for the knowledge and adventures to come )

Graham: Go get a credit card! Dave Ramsey: Sell the car, get a second job, get rid of the card and live off of rice and beans!

@JasonClineShow

3 жыл бұрын

Graham’s advice is WAY better if you are a responsible person!

@sergiov766

3 жыл бұрын

@@JasonClineShow Mr. Ramsey's clients be like "I'm just 10 years old and 1,000,000$ in debt!!!"

@JoelJames2

3 жыл бұрын

Not to mention that he was burned by the collapse of I think it was the housing market that drove him to bankruptcy, so he treats credit almost like a recovering addict. Combine this with his target audience, and it's not a surprise he gives the advice he does.

@manictiger

3 жыл бұрын

@@sergiov766 I'm an infant with a football shaped head and my time machine glitched out, and now I'm over 1 quintillion dollars in debt for having gone to Harvard for 47 billion years.

@sergiov766

3 жыл бұрын

@@manictiger 🤣

My family and I are first generation immigrants. My parents never taught us about investing, little about savings. It was about survival for us for a long time. I wish I knew about all of this a decade ago so that I could have planned and started. But your channel is opening up a lot of opportunities and new goals for me Graham. Thank you!

@carloscicero5876

Жыл бұрын

Same, bro

@TheCashFlowChannel

Жыл бұрын

yesterday was the best time to start, but today is the second-best time :)

The big thing I am taking from this video and the comments is this. Graham's advice is this fantastic guideline for what we should aim for. However, many of us (myself included) Never had anyone sit down and talk to us about this. There are a few commenters saying "Hey I did X and X millennials are so entitled I'm not one of you." I get this train of thought, but it's just availability bias. Heck, I got my start on TikTok at age 28 because that was my first exposure to finance. The best advice that appears consistently is this - no matter how old you are, start making moves. Improve your income potential, pay off credit card debt. Save 10-20% of your income in some sort of an investment account. If you are older you just have to work harder. Learn to live below your means and say no to people when you need to. Remember 3k a month after-tax retirement income when you own your house is enough to not be terrified of life. As long as SS is still implemented you also should have additional income from that. One thing at a time - consistency is key. The big caveat here is that you also need to balance this with your life and what makes life worth living for you. The other commenters saying "why don't you spend all of your spare time with x side hustle and save it." Well, we only get a single life to live and it is important to live it. Stress is a killer and not spending time on the things that matter to you to save a few bucks is a huge mistake. (my opinion). Believe in yourself, live life, and make your retirement something that matters.

Oh my goooodnesss I love your channel so much 😭

Graham: “save 5-7x your income by now.” Lots of people: can’t afford a $500 emergency.

@danielwells774

3 жыл бұрын

Yeah he's not very in tune with reality.

@Eirocina

3 жыл бұрын

most people??? come on do door dash if you have free times. dont be lazy, if you are single then live in the room cheaper than a apartment, learn to cook. lot of way to save money. infact im saving from 100% from my 2 job (door dash and restaurant) my tips are literally cover my expends. house paid off. just work your ass off for 10 years then you are good to go.

@bendelaughter

3 жыл бұрын

@@danielwells774 No, your reality is made by hard work. Graham isn't well off cause he is lucky. It's cause he researches, and puts in the work. Both in terms of making and saving money. If you want to live a victimized life by thinking that it's impossible to make a decent living or save a lot of money, then you won't do very well. Do research, put in the work and you will get results. The reason most people can't afford to save is because they spend too much and they don't try to get a career, they just work a minimum wage job their whole life, because learning something is hard.

@r34lj4k3

3 жыл бұрын

​@@danielwells774 Most people bury themselves in credit card debt. The good ol' "Too many people are buying things they can't afford, with money that they don't have... to impress people that they don't like!" According to the US government: The mean credit card debt of U.S. households is approximately $5,700, according to most recent data from the Survey of Consumer Finances by the U.S. Federal Reserve The average interest rate is ~20%, so if they weren't paying 1k+ in interest every month they'd be easily saving 12k a year without changing their lifestyle.

@kayduff5676

3 жыл бұрын

Guess those people should start with trying to hit the advice for 20 y olds

So you're telling me I'm richer than most 20-year-olds and I'm 14 and don't even have 1k. I feel very special.

@adibchyy

3 жыл бұрын

Save like crazy while you’re young kiddo, and if you plan on going to college, apply to scholarships like it’s your job. Good luck

@SlavicusVile

3 жыл бұрын

Get a job dog, get ahead of the curve. You could easily have enough for a 20% down payment on a house by 18 if you spend minimally and work the legal limit (or a full-time side hustle)

@nigelwest5776

3 жыл бұрын

Anyone here know if weeble is actually any good?

@hellfrost333

3 жыл бұрын

Hey, Alice! Can you play Croquet? *(If you're Good- You can Keep your Head)*

@jacksonhaskellmaine

3 жыл бұрын

As a 14 year old with more money than most 30 year olds, I know how you feel!

Awesome advice buddy 👍

Love the office space reference

You're speech at the end where you said "it's all about starting as soon as you can, even if you're behind. And then working within your means to understand what you need to do to hit your future goals... the best time to start taking this seriously is now and it's never going to be too late to begin catching up or working harder to achieve these..." That made me feel better lol because this is kinda overwhelming. No matter what I try to do, thinking about retirement and needing more and more savings feels overwhelming. I know a lot of people who could use your advice too.

I’m nearly sixteen and so glad that you’re making these videos! Even though I’m young I think it’s absolutely essential to figure all this out now so I’m prepared for my life. Thank you so much!

@navysnow5618

2 жыл бұрын

Happy birthday lol

You should do a video about good habits one can culture, motivations, focus and keeping your eyes on the ball

Bruh, BEST video ever!!!, I have been looking at some equation about optimal Retirment benchmarks for months and honestly I kinda never gave you a chance because (Stephan).... knew somebody with that name and I mean, sorry man. You are good man, thank you for the video and I def hit Subscribed now.

For anyone who lives in the UK we have the same version of a Roth IRA which is called an ISA and you can save up to £20,000 per year tax free!

I'm saving 40% of my income and I'm 38 year old single parent. Thanks to Graham I have kicked my savings into gear.

@GrahamStephan

3 жыл бұрын

Nice work!

@moorebrothers-financialind9640

3 жыл бұрын

Keep inspiring Robert!

@owenhorn7548

3 жыл бұрын

That’s amazing

Good video! I didn't have any debt when I was 20 though. I can see how car loans come into play to besides just student loans.

Thanks for the content. Awesome!

@therealgrahamstephan0

Жыл бұрын

🔝🔝🔝🔝🔝🔝🔝 Thanks for your feedback. Send a msg to my financial advisor. Tell him i recommended you.

As a 18 years old, I'm glad to have found your channel long ago. The day I was 18, I got a credit card to build up my credit score. I invest money as you said. I mean, in my last year of high school, my "finance" teacher should have put your video in front of the class instead of him. I'm grateful. Thank you Graham!

It’s CRAZY seeing what the “average” numbers are!... I’d love to see how they would compare to the average of Graham’s subs

@GrahamStephan

3 жыл бұрын

agreed!! I'd be curious!

@OmniscientlyMe

3 жыл бұрын

Actually, I think the numbers Graham is listing are "recommended" not actual averages.

@LR.1995

3 жыл бұрын

@@OmniscientlyMe I feel it's safe to say the actual averages are much much lower 🙃

@ellacreative2842

3 жыл бұрын

Do a poll @graham! I think that could be really cool!

@joymae

3 жыл бұрын

A lot of coin

Great the CC for a college student when studies show most don’t pay off their CC. It teaches them to go into debt/borrow money.

All of this is excellent advice. Just hope you don't have any down turns that take your savings from you or keep you from paying off your house.

Currently 24, saving 80% of my salary. I know this would be nearly impossible if I weren’t living with my parents though. Still, even if I were living on my own, I would still be saving 60% so feeling pretty good about myself.

@oscardominguez1680

3 жыл бұрын

Definetly! Wow

@fp3cr7

3 жыл бұрын

👏👏👏

@kieran7585

3 жыл бұрын

do you pay rent? wowzers

@davewhite9464

3 жыл бұрын

@@kieran7585 why would she pay rent to parents 😂

@Emma-dh7by

3 жыл бұрын

@@davewhite9464 plenty of people do

I love when he makes fun of the trolls “but graham, you told me”

@TaraWagner

3 жыл бұрын

It’s exactly how I imagine trolls commenting now. 😂

Thanks for the effort really useful.

@jet_tripsoninstagramsellsp8386

Жыл бұрын

🔝🔝🔝🔝🔝🔝🔝 Thanks for your feedback. Send a msg to my financial advisor. Tell him i recommended you.

Great topic 👍🏾

not sure if you already have a video on this, but would love to see one about how working right after college then deciding to go back to grad school affects the age/savings trajectory, especially if planning to attend phd program where you are out of traditional workforce for ~5 years.

Glad I was thinking like this when I was in my 20's. House paid off two years ago and have almost 8x my annual saved at 40 with zero debt. I do hear from many though that I have not done well for myself since I don't work a white collar 9-5 job.

@oscardominguez1680

3 жыл бұрын

You've done incredibly well

@ericplut8930

3 жыл бұрын

Haha those are the same people living in crippling debt. 😂 Cheers man good job👌🔥

@hellfrost333

3 жыл бұрын

Thank God I have a Brother just like you xD

@BCxDiZatioN

3 жыл бұрын

The average Plummer makes more in a lifetime than the average doctor or so I’ve heard

@66lucc

3 жыл бұрын

What do you do?

I'm amazed at how many of these finance channels and influencers recommend buying a house so late in life. It must just be the culture of the area I live in, but as far as I know most people aspire to buy a house as soon as they can afford to after getting married. My wife and I just bought ours this year at 20 & 23 years old to save money since it's $960/mo for our 1400 sqft home that would've cost $1k+ in rent each month. It obviously helps having two full-time jobs, no bad debt, or kids.

7:12 "what really matters the most is how much money you spend" It's not about the size of your paycheck but how to work it