The REALISTIC Millionaire Investing Advice In Your 20s

After just turning 30 years old, here is my advice about how to invest in your 20s and everything you can do to begin growing your wealth - Enjoy! Add me on Instagram: GPStephan
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FIRST: STAY OUT OF STUDENT LOAN DEBT
Unless someone has a clear career path they want to pursue, where a certain college is a REQUIREMENT to get there…it’s usually best to go an inexpensive community college first, save the money, and then figure out what you want to do from there.
SECOND: GET A JOB
I think it’ll be one of the best experiences you can get, and I have to say…there is a difference in the type of person who has work experience, versus the person who has none.
THIRD: STAY OUT OF CONSUMER DEBT
This means that you don’t go and rack up a whole bunch of credit card debt to buy stuff you don’t need, don’t go and finance an expensive car, don’t go ballin’ out to impress your friends with how much money you have…all of that is stupid, it’s reckless, and 10 years from now…I guarantee you’ll nearly regret all of it.
FOURTH: BUILD YOUR CREDIT SCORE
All you need to do to get started is open up a secured credit card with a $200 limit, put a few expenses on the card every month, and then pay it off in full. You’ll pay $0 in interest, you’ll build your credit history, and over time, and you can continue adding in new credit cards to the mix.
FIFTH: LIVE BELOW YOUR MEANS
I’ve found that the older you get - the less “socially acceptable” it is to live like a broke college student, and the less you WANT to live like a broke college student. So, now is your chance to get away with doing all the cheap and frugal things you’ve always wanted to do, before people call you weird for doing them.
SIXTH: TRACK YOUR SPENDING
You can’t effectively live below your means without knowing where you spend money, how you can cut back, and figuring out where it all goes. I’ve been tracking every single expense on Mint.com and PersonalCapital.com since 2012…and it’s helped me out a LOT in terms of optimizing my finances.
SEVENTH: TAKE UNCOMFORTABLE RISKS:
I’ve really found that the WORST place you could be in your 20s…is COMPLACENT. If you’re satisfied where you are right now, but you know - deep down - you aren’t living up to your full potential - the ONLY way to break free from that is to get used to putting yourself under pressure. You HAVE to start making uncomfortable choices and taking calculated risk to get yourself ahead, even if it isn’t the EASY decision to do.
INVESTING FROM THRE:
-Open up a RETIREMENT ACCOUNT. This is just an account that you can invest within that saves you money on your taxes…for example, some of these accounts allow you to use them as a tax write off, and others allow all of your profit to grow tax free…just depends on which ones you want to use.
Roth IRA: $6000 Per Year Post Tax Money
Traditional 401k: $18,000+ Per Year Pre-Tax Money
HSA / Health Savings Account: $3500 Per Year Pre-Tax Money
Look into the 3-fund portfolio, and this gives you the ULTIMATE diversification across everything…so, you’re basically just investing in the entire world in the long run - and even if one or two industries goes down, plenty of others will be there to pick up the pace.
Now, in terms of any other investment specifics, just remember this really easy saying: time in the market beats timing the market. That’s it.
For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at [e-mail]
*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.

[@TysonSpain]

Me appreciating the extra Zero in my bank account: My bank account: $0.000

[@jermaineoree8745]

We all have to start from somewhere

[@SH-kz4fl]

What is zero compounded over ten years? That’s how much I’ll have 😢

[@ericzuniga4436]

-$10

[@TysonSpain]

@@ericzuniga4436 Compound interest does wonders! 😂

[@lilpae1]

Orrrr, 00.00 👀👀

[@arefinlabib4630]

you know he's rich when you see him wearing a plain grey tee

[@christabelmary7086]

My account is currently $140,000 what I earned from my $25,000 investment with Mrs Florence

[@madisonaudrey9419]

After several winning with Mrs Florence trading services..I can bodly say bitcoin and Forex trading is profitable

[@Admin-nf2yj]

Mrs Florence has brought me out of the wrenches and to the better living through bitcoin trading options I encourage newbie to trade with her

[@tonybueno408]

Haha main reason why I bought some for myself..

[@joaanicampbell3758]

Soooo true

[@DarkandTwisted]

"You're not going to remember those expensive shoes you bought ten years ago, but you will remember every single morning when you look at your bank account that extra 0 in there. I promise, that's going to be way more fun to look at everyday."

[@omarleon1694]

As soon as I heard this, I paused the video to make a comment about it. You beat me to it lol. But true fucking words to live by 👌

[@karlmdelacruz]

I bought expensive shoes 10 years ago and I still remember because I'm still homeless from it.

[@SilveeYT]

Always lived like that since I was 12~ ❤️

[@userrshremy]

@@karlmdelacruz lmaoo

[@bassman9261995]

I remember Heelys

[@LuKiSCraft]

"If your debt isn't making you more money, don't do it." Pretty simple concept that far too many people miss.

[@ownlanedavo1167]

that caught my attention but i didn't really understand it can you explain it?

[@dynestis2875]

@@ownlanedavo1167 if I take a loan for 10 dollars, and I manage to turn that into 12 dollars before having to pay the money back, then that means that by the time you have to pay back those 10 dollars, you'll still have 2 dollars in your pockets that you didn't have before.

[@marvingroot7210]

What if it does bring me money? Also without interest

[@bennyr.5031]

Basically meaning that you should not go to a fancy college with a student loan of $100.000 plus and choosing a major like "commercial dancing" or "agricultural literature of the ancient mayas" guiding you to no job at all or one where you get 7$ an hour.

[@LuKiSCraft]

@@bennyr.5031 Exactly. On the other hand, if you go $50-100K in debt for a computer science degree, and come out of college making $75K per year, then that is worth. Debt that increases productivity (& pay) is worth it. Debt that does not, is stupid.

[@jordanxgraham]

I spent my 20’s making every mistake in the book. Accumulated student loan debt (never graduated), ruined my credit with accounts in collections (500 credit score at one point), was homeless and sleeping in my car because of my partying habits. I just turned 30 last week and now I can proudly say that my life is on track. I’ve paid off all my debt, have a nice savings, turned my credit around (720+) and am purchasing my first investment property this year. I really owe the changes to podcasts, books, and videos like these! Thanks Graham 🙏🏼 “Life begins at the end of your comfort zone.”

[@brandononuzulike3314]

I’m proud of you!!! Keep it up bro!

[@azael3342]

Hahaha get rekt

[@realtissaye]

Awesome dude! I wish you good luck and a great future!

[@kingkylie9655]

Good for you buddy!

[@MrCompassionate01]

How did you invest in property?

[@justified4342]

"Get used to taking risk". Aight wallstreet bets here i come....

[@BarnacleBoy42069]

YOLO

[@InvestorCenter]

lol

[@TheSmiles]

Time to put all my savings into Apple stock I’ll be a millionaire in 2 days

[@davidtiller7637]

That’s just straight up gambling 🤣

[@AP-uk4di]

BOOM. Made 50% today on a yolo IBEX bet. Free couple $1000 in my pockets

[@Youbeentagged]

That one quote made my day "10 years from now you won't remember the expensive shoes you bought, but you will love looking at the extra zero in your bank account"

[@svetlindimov1]

Building emotional experiences even if materialistic does help a bit....

[@leoprg5330]

It depends on what you define as expensive. Sometimes it's better to choose quality that last longer. I doubt he is using Huawei instead of iPhone just because it's cheaper.

[@LeviDocs]

Leo PRG these videos are introductory/ summary videos made to make people understand basic concepts and alter they’re way of thinking. It’s not meant to be take literally, like everything you have to take the valuable information in this video and twist it into a way that is beneficial to the lifestyle you want to live. If one of your dreams is to have sneakers then buy them, jus make sure you don’t regret it and it’s not a spur of the moment decision. Graham has lots of videos saying that aswell; to be patient before buying something.

[@TimelineBeats]

Svetlin Dimov was iigood i

[@hunkulus]

@@leoprg5330 wait a second... You saying iPhones are of high quality???

[@thomasc7526]

About 20 now, I’ll be back in 10yrs if this site is still around and let you know how I did. See ya then Graham

[@jalenaybar6550]

Same here

[@sharizon655]

21 letss see 🤙🏼

[@maxaco5017]

Any updates 😂

[@ballivareso8225]

Maxaco its been 2 weeks😂

[@ssc3360]

@@ballivareso8225 a lot can happen in the 2 weeks...maybe he gave up,

[@stevensessions5463]

"Live as if you are making 30,000 a year" bruh I make under that per year

[@ryanpappalau1924]

Same, i need a better career

[@joshuaknox6148]

How many hours you work a week tho?

[@ptnibin123456]

Live like you are making minimum wage...

[@Salopran]

I make 15.5 ... Maybe this is the Problem

[@SoundSpeeding]

Whatever you're earning, live like you're making half that!

[@1219DSmith]

I failed almost every point you made. This happened in my early 20s: Paid through college with loans, got into consumer debt, destroyed my credit score, lived above my wage, and never tracked my spending. Almost 30 now and still cleaning up the mess made by my 21 year old self. Wish I could go back in time and hit myself on the head with a frying pan.

[@GrahamStephan]

Better late than never! Some people never learn!

[@brianparent4882]

I started fixing all of this at 40. I was $98k deep in consumer debt. I worked my tail off to pay it off. 2 years later it was paid and I’m amazed at how quick things changed since I became debt free. I still work a lot, I love to work so it does not feel like I’m working. It is never too late to turn your life around. I wish I had started in my thirties let alone 20’s. Keep at it, you won’t regret it.

[@justinb1606]

I went from negative networth to 550k net worth in 6 years. I'm now 35. You can do it to!

[@Tepalus]

keep going! (i know it is hard) i'm "just" 25 but my past self also did some realy stupid stuff (you allways should pay your taxes), but i'm on track again :)

[@iGwlbirdy]

You know what they say man, the best time to plant a tree was 20 years ago. The second best time is now.

[@wedsonolivia4103]

The wisest thing that should be on every wise individual's list is to invest in different stream of income and don't depend on the Government to bring in money or depend on your pension. Diversification is Key!

[@wedsonolivia4103]

Investments are the stepping stones to success especially if you're being guided by a professional

[@wedsonolivia4103]

TERESA JENSEN WHITE, is my financial Expert

[@wedsonolivia4103]

There are so many investment out there but if profits must be considered, then not al investment are good to go into

[@wedsonolivia4103]

I just added $280,000 to my portfolio within two weeks of working with her

[@wedsonolivia4103]

Search her name on the internet to reach her on her web site

[@VictoriaWhitlock]

Graham: *has a net worth of 6 million at 30* Also Graham: I wish I could go back in time to tell myself how to propel further ahead

[@jtdilauro]

@@johnclancy3998 😂😂😂

[@areallyboredguy5825]

Greed

[@puppacito]

@@areallyboredguy5825 not greed, a great guy

[@areallyboredguy5825]

@@puppacito no… greed. “I’m worth millions I wish I knew this earlier so I could be worth millions more”

[@pauljones6629]

@@areallyboredguy5825 greed is great

[@stponyt]

just turned 18, got 600 in my roth and 2k in my other investment portfolio and a 700 credit score. we starting young and smart :)

[@jgvenichand]

How do you have 700 credit score at such a young age?

[@johnnyr8426]

Venichand parents can add you to their credit lines, making it so you get all their benefits without taking any risk

[@BonezLo]

Way to go dude

[@jeremydelacruz4929]

Venichand it wasn’t hard for me I’m 19 (same age I got my first card) with a 717CS I just keep my utilization down, have three credit cards thinking about getting a fourth, pay off every month most times early just do I don’t have to worry about autopay not working to some crazy unrealistic thing happening. Average age + utilization + payment history + a good amount of cards (that’s numbers is clearly different for everyone) and I did not have a parent co-sign

[@InvestorCenter]

This is awesome!

[@kungfumaster1927]

I’ve bought literally everything for the last four years on a credit card and have never missed a payment. I’m now 24 with a credit score of over 800! Building credit early is key!

[@ohhihi]

KungFu Master isn’t 800 the max?

[@missbluezee]

It’s 850

[@bruce5868]

a high credit score means you are really good at being in debt. the key is to not be in debt.

[@user-xq7vl4gs3x]

@@bruce5868 incorrect. A high credit score is important to get by.

[@bruce5868]

@@user-xq7vl4gs3x do you want to simply get by?

[@dotRALF]

0:01 Well for me, the most transformative years in my entire life was 0-3 years old. I was learning like crazy

[@samuelrodriguez2749]

Lessons I learned were life changer

[@blaccpanther8715]

I'm watching this video as a 25 year old like damn, i wish i had started investing when I was 20, then i'm like wait a minute...I had nothing to invest back when I was 20 😂😂😂

[@graywilliams_77.]

The best investment one can do right now is investment trading though stocks are good but ever since I swapped to investment in stock, I've seen so much difference

[@graywilliams_77.]

Thanks for the info . Found her website and it really impressive....

[@labelb783]

FAKE ahh profiles…

[@LockDownLife]

Bots

[@jenniemcneil7821]

An investment in knowledge pays the best interest."

[@annerebecca5582]

How is the forex investment done.

[@thompsonrichard5247]

Yes, forex investment, I heard it's very profitable

[@loganisabella6186]

Yes, true but I don't know anything about.

[@pavlotanasyuk5900]

I have heard so much about forex how does it work

[@randytony9763]

Did I hear someone say forex?

[@lucymartin881]

The amount of time we spend believing we can't is more than enough time to learn how you can. - my Brain

[@lucusjames9892]

That's true

[@vickia.weaver7488]

thanks for the update

[@sarkiali3958]

Bitcoin is the most profitable investment online if only you trade with a professional broker.

[@aaronferrell3129]

Does she offer mentorship tutorial

[@jermainegomez8982]

it's not about watching videos and wasting time on strategies, I was ignorant of doing so then I decided to try expert Lucy and she has make about 34,000 euro for every 4,000 euro invested

[@therevx5225]

I'm an 18 year old, and i've decided to wait until my 20's to begin college. I have a job as a car wash technician with huge potential for raises and promotions, and just started my Roth IRA with $600. Thank you for this video, it helps me gain a sense of direction.

[@tylerwaymire7709]

Similar position. I’m 18 and in a spot to make a lot of money soon. So may do college later. I don’t have a Roth IRA but have some other plans! Best of luck brother you’re not alone💪💪

[@elcheekoful]

Just so everyone knows. You can literally start a roth ira with as little as a 100$. Just get a s&p 500 index fund through fidelity. You can literally do it with as little as 25$. Then just add money later. You can always change your investments inside your ROTH IRA Later.

[@therevx5225]

@@elcheekoful I actually started mine with 0 for the first month, there isn't even a fee for creating an IRA

[@elcheekoful]

@@therevx5225 awesome. Good deal. Just put money into it. I'm 30 now. Although I didn't open a roth ira until recently. Smartest thing I did was start my 401k at my job at 23.

[@mikeropenas2515]

graham, I love how you’ve always been a proponent of index funds, but I have one simple problem: HOW DO I ACTUALLY INVEST IN ONE?? It would be so helpful if you made a video that goes through your process of picking an index fund (including what fund manager you would choose to do so). How much analysis do you put into expense ratios, etc. It sounds like a simple enough decision, but I still somehow manage to get analysis paralysis.

[@whoathatwaswhack]

My question as well, I get lost in a whirlwind of information and I don't know what to do with it

[@manoklm9759]

I feel like this deserves a whole video fr

[@JGTechBlog]

agree

[@chrisorellp1]

I was advocating for Graham to do exactly this a few videos ago and a subscriber snapped on me calling people like you lazy for not doing enough research on your own and being a lost cause for resorting to KZbinr advice. Hope that miserable girl sees people actually want and need a tutorial from Graham!

[@jake9167]

Agreed, it would be nice to see a video. Once you have a free brokerage account setup at a major brokerage, you basically just pick an ETF based index fund. A very easy one to buy and hold would be the Vanguard Total Stock Market ETF (Symbol VTI) which has a very low expense ratio .03% meaning on a 100,000/yr balance, the fund manager (Vanguard) takes $30. For robo advisors like Betterment and Wealthfront, look out for slightly higher fees (somewhere around .25% / $250/yr in the example above but maybe worth it for the set it and forget convenience).

[@alexabdulwili4012]

As a 16 years old I really enjoy this more than anything

[@PracticalPersonalFinance]

Don't forget any of this advice!!

[@ananthkular3656]

Good job, I’m 15 and studying this stuff too. I am rlly enjoying learning stocks, best to start early am I right or am I right?

[@Rudy-ks9ds]

I got 7 months until I turn 20

[@hisakiasakura480]

@@Rudy-ks9ds I am 20 turning 21 7 months from now...

[@nicmunro]

@@ananthkular3656 same boat as u

[@MewKiyoko]

I literally paused this video to pay off the last of my medical debt and now I am completely debt free. Thank you for reminding me to get it done today.

[@imnotsharingmyrealnameonth5601]

wow

[@joelsanderson2021]

Yesssirrr

[@colearmy12]

Hahaha I’m 24 living with my parents trying to save and invest wisely and everyday people ask why I don’t have my own place yet. It’s rough out here

[@artemishunter4242]

I am 25 years old and it's the same thing!

[@JoseRamirez-cl7te]

I'm 24 have my own apartment truck and live by myself. But I have no money everything I get paid goes to rent, bills, car payments, insurance, food ect.

[@adambomb619]

especially in CA its rough!

[@twilightcrazyfan25]

I am in the same boat. If you can live at home, it is one of the smartest things you can do to accelerate your wealth. Dont worry about what others think, you're the one saving money and will be glad 10 years from now that you did and have no debt, investments and a decent savings account.

[@L3vin17]

it is never a shame to live wisely.

[@financiallift6185]

You're living proof there's enough free information out there for someone who knows barely anything about finances, can become a millionaire with discipline. Thanks for all you do. On a separate note, I only slightly disagree with the college loan debt point because if you really spend as little as possible and make money any way you can, you can pay off those loans before the grace period ends. Although I do think people need to seriously evaluate average income for majors versus the cost of the school they want to go to.

[@investingwithkhai3833]

Agreed with your separate note, I just think there's so much knowledge and things to consider and at 18, most of us are pretty naive when it comes to selecting schools/majors. Tough problem to solve

[@aurkom]

Neighbourhood kid: Hello mister Graham 60 yr old Graham: Get a job!

[@antonnohr]

Newbies need to learn the ropes, know how much risk they can handle and diversify their portfolio. Some folks get help from money experts or do their homework before making investment moves. It's all about being smart with your funds.

[@Rodxmirixm]

Generally , the stock market provides a platform for buying and selling shares of publicly traded companies, offering potential opportunities for investors to grow their wealth, but it's essential to approach it with knowledge and caution.

[@VickyAlvy]

Investing your money is a good move, especially if you have a dependable plan that can steer you towards profitable days ahead. A supervisor will be the best. The returns are guaranteed .

[@Jason9o669]

Great, please who is your advisor?

[@VickyAlvy]

Probably can’t say much, Stacey Lee Decker is the advisor that oversees my portfolio. She's an extremely intelligent person, very thoughtful, cautious, and has an outstanding credentials, it's easy to find her on the web.

[@ClementRusso2]

​ @VickyAlvy Thanks, I just googled Stacey Lee Decker and I'm really impressed with her credentials. I reached out to her since I need all the assistance I can get.

[@ricecube5079]

You know this is the stuff that everyone needs to hear instead of all these get rich quick schemes

[@giovanni3564]

“As a real estate agent” MUST be the most used sentence in all your videos😂 Love from Italy!

[@dianagarcia6017]

Credibility!

[@marcusaureliusregulus2833]

Reminds of "as a millionaire" 😂

[@martingalvan6768]

love how this guy talks with his hands. sometimes people over-do the hand gestures, but this guy makes it look so natural and cool

[@hittingtax2670]

Hes at least half-Italian.

[@harrisonmichael5047]

So far in the past few months, I’ve slowed down buying to only maybe an IPO or something I already own that has been overly beaten down. The only money I’m consistently putting into the market is through my financial advisor.

[@jesbensommichael8397]

Same here sold my stocks earlier and my strategy ever since has been pretty much-buying Gold and silver to protect my wealth but if I could come up with a way to stay invested and be profitable that would be brilliant.

[@harrisonmichael5047]

@@jesbensommichael8397 Last year a colleague introduced me to a financial advisor *PRISCILLA DIANE AIVAZIAN* With her help, I have been able to diversify by investing in different markets and asset classes while also keeping an open eye for attractive stock picks. she is quite known so you can find more about her online.

[@jesbensommichael8397]

@@harrisonmichael5047 That’s great, your investment advisor must be really good, I have seen testimonies of people using the help of investment advisors in making them more financially stable. Do you mind sharing more info on this person?

[@harrisonmichael5047]

@@jesbensommichael8397 Simple, consistent, and easy. I'm up 75% with her managing my portfolio. If you're looking for consistent gains this is an easy and amazing way to do it. As passive or active as you want and all for a great value!

[@jesbensommichael8397]

@@harrisonmichael5047 I just looked up this person out of curiosity; surprisingly, she seems proficient. I thought this was just some overrated BS, I appreciate this.

[@alfredalbert8037]

I’m a dividend investor, my wife and I have invested in the s&p500, both through my TSP with the government and through fidelity in her 401-k. Cashed out 370k from the S&P and invested with a full service broker.. Until about 3years ago we were 100% in the s&p after over 30 years. I’m retiring at the end of the month at 59, while my wife will retire next year at 54. We currently have 5.7 million in our tex deferred savings.

[@alfredalbert8037]

@Richard Fain Thanks mate

[@alfredalbert8037]

Our Fin_ancial advisor is “ Gary Andrew Debellis “. He is a professional fin_ancial/Invest_ment advisor. you can search him up on the internet where you can get necessary info about him and as well to connect with him.

[@alfredalbert8037]

@Mark Tilbury my financial advisor is *Gary Andrew Debellis*

[@tastyactual5491]

bot accounts go wild

[@l-keijzers8860]

The kitten really encouraged me to like and comment for the algorithm

[@jakevote8978]

Me too and I hate cats

[@bhitz]

it's ridiculous. how about i watch the video first.

[@TheGagabou]

@@bhitz Same. He's so good

[@QuestionEverythingButWHY]

"Our potential is one thing. What we do with it is quite another." --Angela Duckworth

[@calebquimby]

It's all about what we do!

[@saeedomar8304]

Quite a few know their intuitive decision making skills and set boundaries

[@dylanlevett1814]

It's not an easy task staying out of student loan debt. This is one thing that majorly affects one's potential

[@aboveheights2580]

I really think the first step to financial success is investing the little you could

[@AlexBeckersChannel]

KZbins #1 Realistic Reasonable Business Advice Guy. Very Woke!

[@coraxxmusic]

lmao

[@789irvin]

A wild Becker appeared! Its super woke

[@dailyfuturetrades4998]

Investing largely in your 20s so you get to the 1mil by your 30s 🚀 🚀

[@sdaniaal]

if only he invested in wallstreet bets...

[@osov5735]

not woke just realized some things in his life not life in general there's a huge difference friend

[@haleytoolsie7750]

I love how positive you are, thank you for the advice!!

[@TheGrahamStephanShow]

Wow great video ;)

[@zacharykrage5133]

It really is

[@crashcammer9417]

Did... Did you comment on your video with your other account? :o

[@zives1937]

Your profile picture looks just like this one youtuber that I watch everyday

[@robertfaulkner781]

Haha

[@ryanjacobs836]

Insert Obama awarding Obama meme

[@LukeCunningham]

I went to a community college and I think it only cost me like 2k and I got my associates while working full time. (except for like 1 semester) It's a great option. Happy birthday Graham!

[@koolaidsman451]

My JC is free for the first 2 years (because the city just uses tax dollars on it) plus there is a scholarship for high schoolers with a +3.0 gpa that in addition makes it completely free even if you include books which is a lot better than the $7k a year for the traditional college

[@fullwisewords]

I did this not knowing going to a UC as a poor CA resident would cost the same as a CC!! Make sure to check if you can go to a better school for free before going to CC, I promise it's worth checking (FAFSA students)

[@Timtimzi]

All of my UC friends are in debt. All of my state friends are in the middle . Fafsa paid for most of my state tuition. CC is the best and easiest route for the first two years.

[@LukeCunningham]

@@fullwisewords I'm not eligible for fasfa because the government assumes that there is extra money in parents budget for my schooling. It would be fine if the subsidies didn't lead to consistently rising tuition.

[@cookiebabe41111]

Thank you graham for all the free advice you give us from your channel! I see so many people around my age make bad financial decisions (myself included) and it’s nice to have someone who understands help us.

[@joseluviano3523]

And also thanks for not taking sponsorships every video it really shows you're trying to help us. And for always explaining to the T how to get things done.

[@QuestionEverythingButWHY]

"Live as if you were to die tomorrow. Learn as if you were to live forever."

[@turtle-balloon]

Id you lived as if you were to die tomorrow you would probably just spend all your money

[@MrJustliketht]

Aristotle? or this youtube kid?

[@AMellowSkater]

Emil not if you’re wise, plenty of ways to enjoy life without spending money

[@prestonlaw]

I’m turning 28 at the end of the month and I did all the stupid stuff Graham said not to do from 18-now😂 I’ve payed off 6k of debt and almost have a 700 credit score so that’s a start

[@PracticalPersonalFinance]

Same here, I am guilty of a lot of these. Good thing you realized now and not when you're turning 38!

[@mylesonthemoon]

Thanks man. I’m twenty and I learned all of this in the recent two years. This was a sign that I should start making specific plans. I needed this overview to get organized.

[@bebeerin]

been waiting for this video. one all-inclusive place with all the steps to follow on your investing recommendations

[@ChristinaMarie17]

Thanks for cutting back on using “click bait titles”, I remember you made a post about that and a lot of people didn’t like it! So I’m glad you listen to your viewers opinions :)

[@kavonborghani2555]

Graham, I’m so glad I found this channel the moment I did last year! At that time I was an 18 year old kid who was setup for financial failure, and spending a lot of money towards a toxic relationship. Your channel has not only helped me financially be ahead at 19 but changed my outlook on life. As of now I’m in undergrad for finance, I opened up a Roth IRA and am building up credit by being co-signed on a vehicle with my family which I am fortunate enough to be thankful for. I can speak for the younger generation and say that people in their teens should watch your videos in order to set them up for living a financially free life, we appreciate you!

[@bobbiwilliam6811]

I saw the recommendation of G-hacker and decided to use his services because I was in a terrible position financially, and it turned out to be the best decision I ever made. G-hacker is the only expert I will speak of and recommend to you all I got $15,000 in my Bank account, $10000 in my CASHAPP and $12000 in my PayPal and account after paying the charges for the paypal hack. He also cleared my daughter's credit card debt for free and also funded the credit card, he was the one who also removed past eviction from my daughter's credit report and she was able to apply for a high limit credit card worth $19,000 it got delivered to her believe me and go check him out I assure you of a job done professionally he is the best and only real hacker that can help you become not only financially stable but very rich, mind you HIS SERVICES IS THE BEST IN THE WORLD. Contact him on whats-app or via text [phone] or through via ([e-mail]) Don't forget to thank me, later...

[@pylogenic]

how you doin now?

[@solomonganz]

Happy 30th Graham! You should be very proud of your tremendous accomplishments in your 20’s. You’ve already done what most people cannot do in a lifetime, in just 10 short years. I can’t wait to see your continued success in your 30’s! And now that I’m a real estate agent I can better understand the level of work ethic, consistency and smarts it took for you to do what you did. And, on top of all of that you took the time to give me advice when I was getting started as an agent, which makes you a gentleman and something hard to come by in this town. Cheers buddy! PS I decimated the LIKE button. RIP

[@Strajaize]

You are a big part of my life and my learning path. I am currently 19, self employed, on my path to acquire riches. You are a great man, and I am sure you have changed and continue to change a lot of lives for the better. Maybe sometimes our paths cross and I can thank you in person

[@davidgray6697]

Hey Graham! This is really some good down to earth advice and I was sure to hit that like button!

[@JasonY02]

Happy late birthday graham, I Recently just turned 18 an don’t know where,what an when but you help a lot.

[@GrahamStephan]

Thank you! I hope this helps!

[@theanon5906]

Same I am lost as you

[@sv970spardarxlivegaming3]

You're at a right time I'm 21 and I already feel late.

[@dantespo]

Heyyy same here!

[@kobeisgoat6498]

im 15 and feel extremely smart with my future, finances, and already started investing in the stock market!

[@McNibZZ]

These videos are actually helpful, which is a nice change from every other personal finance video on KZbin.

[@KampLola]

Your journey is so inspiring. Thank you for sharing your wisdom!

[@tomshady3530]

Simple rules to do the same (from someone who did it before Graham did): 1. Invest in stocks as early as you can. I started at 13 after reading about compound interest. 20-50% of your income should go towards investing. 70-80% if 2 jobs. If I told you you had a money tree, but you have to fertilize it, I promise you, you would never be able to find enough fertilizer. 2. Work as MUCH AS YOU CAN, two jobs is nothing. There are 168 hours in a week, and you only work 40?? Work hard now, or work harder later. You won't be able to do this when you are 50. See rule 1. 3. Work for yourself. Even if you have an employer, always remember: you are here for YOU first, them second. Build your skills until you can compete with your boss here if you worked somewhere else. Pay yourself first. Never accept "just getting by." 4. Get a few credit cards, use them very little, pay them off in full; ask for more credit every year. Debt makes you a slave to others. 5. Act like you are always broke. Rich don't stay rich by acting like a baller NBA player. Don't eat out. Didn't have a car until I was 24, rode a bike everywhere (saved $500+ per month by doing this), all my friends thought I was broke. Who is laughing now? See rule 2. 6. Start your own business. Cannot stress this enough. If you work for someone else, you are making THEM rich. You work for yourself, you make yourself rich, other people work for you: you are wealthy. Get SOME skill, become a master, get others to work for you. See rule 3. If you have no skills, that is fine, it will just take longer. Investing your money is getting your MONEY to work for you--- that IS a GREAT business/employee. If you own a house, rent it to others: they are your employees, paying YOUR mortgage. 7. Don't lose money. Not even a little. If you think you can afford to lose a penny, you will lose a nickel. If you think you can afford to lose a little you WILL lose a lot. This goes for employees too, never let people cost you money, get rid of them. Plenty of people who don't cost you. If you are ANY good at what you do, you should be able to teach them SOME of what you know so they can make money just like you do. 8. If you are any good at your own business or investing, use rule 4 to borrow money to invest in yourself (leverage). Pay off that debt at the end of every year for tax savings. 9. Hire a great accountant. You tip your server, and they cost you money. A great accountant SAVES you money, which is the same as making it. Pro tip: become your own accountant, save even more. 10. Tax man is your opponent, no one else. Not your competing business, not your coworkers, tax man taketh away like no other. 11. Start a company, protect all your assets behind it. Ever see Power Rangers, where the human controls the huge robot? The robot is your company, you control the assets 100%, you own none of it, your company does; but make no mistake, you ARE the company. 12. Accounting is moving things from your left hand to your right hand, you still possess it, but one side is taxed, the other isn't. Like magic! 13. Never gamble. Only bet on sure things. Calculated risk isn't gambling. 14. The number one profession for milionaires is janitor. WHAT? WHY?! Because they are humble, hard working and most importantly: understand these rules implicitly. So don't think you need a high flying career to get here, EVERYONE can do it. 15. Either you work for someone else (you will always struggle to make money), you work for yourself (you are only as well paid as your hard work), or others work for you (you will become wealthy and they make you richer EVERY DAY, no matter how hard YOU work). ...Graham hasn't really learned 15 yet, but he will. He is mostly stuck working for himself. His youtube channel is sort of his step 15. KZbinrs are working for him.... so.... DON'T FORGET TO SMASH THAT LIKE BUTTON!! Graham is the best "like button" transition man on youtube.

[@lukealiciouss]

Just graduated highschool, this video came out at the perfect time.

[@kristeltorres962]

That was very valuable information, thank you Graham🙏🏻

[@kevinjiang5212]

This is solid advice! Love it Graham. I can vouch for these strategies as they have personally helped me out during my college years.

[@jastingill677]

"Get used to taking Risks" - i work in the risk division (Leveraged finance risk) of a bank and my whole job is based on being pessimistic and taking little risk

[@jacksstephen763]

This is absolutely necessary. I invested in bitcoins when it was less than a $1000. It was a risk because I never knew it would be of great value today

[@FullmetalScientist]

Great advice! Definitely followed about half of these since my early 20s and following all in full force now that I’m in my late 20s. Only took investing seriously within the last 2 years and just by putting away a little money each month, I already have 5 figures invested in 2 accounts! Now I’m obsessed and continuing to build better financial habits. Thanks a lot for your channel!

[@zyxcda2281]

i’m going to rewatch this and take notes

[@jamiehart44]

I love your videos, the way you speak is so clear and it makes everything so easy to understand, thank you.

[@TheRealMTR]

The way you convey your thoughts multiplied by your reach = changing the world for the better. Salute Graham you are the GOAT

[@DavidOldenburg1]

This is a great video! My journey to millions was much slower...much slower! This is the type of material that should be taught in high school in a semester class. I see so many kids stressed about college, student debt, and what they should do with their life.

[@Boggs2534]

This is the education we need, great job!!!

[@davidgreter3811]

Thanks bro you help me so much blessings from Costa Rica

[@azael3342]

Before investing, everyone should have their emergency fund then after its soo easy

[@jakevote8978]

Yeah seriously. People also need to realize the difference between an emergency and a budgetable expense. People need a new set of tires and don’t have any money set aside for things like that and take it out of an emergency fund

[@neilr8738]

@@jakevote8978 everyone should know some accounting. It makes budgeting so much easier.

[@roxava17]

FreedomOfSpeechEQUAL Nope, all cars will need new tires eventually. Car maintenance is an expected expense and should be budgeted for accordingly. Same with things like car registration (only once a year, but you know it’s coming lol)

[@TheAllstar51]

roxava17 mines due next month, so this is very true lol

[@neilr8738]

@@TheAllstar51 just paid mine today. Budgeted for it divided by 11 months so that I had everything by month 12 when the renewal came. I can't emphasize enough what is talked about above: planning helps so much.

[@AbhishekDharan]

Wish I had the knowledge you're preaching when I graduated high school or even college. Keep preaching and take my like!

[@zyltekk]

Gram, I always listen your videos when I play videogames or go to sleep and its freaking awesome! Thanks to you I've already started investing and I am 15 years old!

[@cris471]

I’m a new subscriber and I must say that I really love watching your videos, I’m not young anymore but I still need to learn stuff. I can only confirm what you say since I’ve basically done all these things you advise your viewers to do but it took me many years to become a millionaire. You are so much more successful than me and I truly admire you. I truly appreciate you and your teachings and wish you all the best 😊😊

[@fredtheafricanpianist5935]

watched from beginning to end--youve changed my life--even as a Nigerian!

[@HeyThisIsAndrew]

I am 30 and I regret all the decisions I made through my 20's. Everything Graham said in this video is accurate. I am living my life today how I should have lived my 20s. My goal in life now is to live happier so thanks for reaffirming that the work I am putting in today is at least putting me in the right direction.

[@DatBoi-kd9dd]

Graham, I love ya bro. Never change or sell out. You da real MVP on YT.

[@Scirvir24]

Thank you so much for this, Graham. You're a gift to the world.

[@JG_RepairandClean]

I noticed that if I start my day with one of Graham’s videos, my day turns out to be EPIC!

[@jamjamc]

Graham, you dont look a day older than 21! But im certain your mental age is 60 🤣🤣 Jokes aside You have done great for yourself, proud of you! 👏🏼👏🏼

[@LouBloom21655]

I'm traveling to Bhutan 👋

[@jamjamc]

@@LouBloom21655 you're welcome to Bhutan anytime 🇧🇹👍🏼

[@trollborn7206]

@@jamjamc he is huby material. U should go for him.

[@jamjamc]

@@trollborn7206 i don't want to be murdered by grahams gf 😁

[@allisonliu4697]

GREAT ADVICE. And so easy to understand! Thank you!

[@KennethWestervelt]

I love how the algorithm keeps pushing me ads every five minutes for a sales pitch I will *never* click on.

[@jagadishchhotaray3389]

You should write a book about finance and real estate . As your advice seems to be so perfect and at exact

[@DanielKaler]

Thanks so much for all of your super informative videos, Graham! I'm a huge fan! 👏🏻👏🏻

[@SteezePA]

What a real man, Talking about trade-schools being great. Someone definitely raised you right!

[@Premiuminvesting]

My little list of habits that has put me into a fantastic position financially: Stay out of debt, save money, stop buying stupid sh*t to impress other people, invest in index funds (diversify globally - US equity, UK equity, Europe, Asia, emerging markets). Buy more when the price drops. Be patient - compound interest relies on it. Never listen to a word of news re stocks, especially from Wall St. Consider whether bonds are even worthwhile... you'll hear a lot of both sides of the arguement. My view, if you trust the company enough to buy the bond, buy the stock, you'll get a better return and the protection afforded on a bond is largely pointless I.e. if the company goes bankrupt it's unlikely to pay you as a creditor anyway. Dont pretend you know more than anyone else. Always listen to others as you'll probably learn something (be open-minded) and also don't assume someone knows more than you (have confidence in your own decisions). Ultimatley, no one can predict the future 😄

[@nilspalmstierna3086]

I think you really have some useful advice! I’m about to turn 20 and just now starting investing, just trying to soak up as much information and knowledge as possible. Thank you for your opinions on bonds too! I’m also wondering how old are you now and how old were you when starting investing?

[@Premiuminvesting]

@@nilspalmstierna3086 no worries at all. I'm 24 and started at 19 (although when I started it's because I came across day trading - wouldn't advise!) Also be cautious around bitcoin and the like. The last thing you want to do as an investor is lose money. Because if you have £500 (or $ if you're US) and you lose 50% you have £250 left. But to get from £250 back to £500 you now need a 100% return. That's why I dont advocate any short-term speculative trading. The long game irons out all of those bumps in the road. It's having the emotional resilience to not sell when the market takes a dive, and to buy more 😄

[@genzinvesting6561]

I don't think bonds are worth it for me just yer These are some great tips The best time to buy stocks is when there on discount but it's better to invest now then wait

[@benleatha1509]

Thanks so much for the amazing content. I'm 13 and I've been subbed for over a year now. Because if the advice you have given I have managed to save over 3500 dolars with well over 1500 in the stock market. I'm truly grateful for all your vids, keep up the good work.

[@TheGamingInvestor]

Fantastic video. Thanks for the great advice!

[@NA-bb3bq]

Really insightful tips as always! Thanks Graham!

[@RyderRules101]

Hey Graham. Just wanted to let you know you've thought me so much about earning and managing money, frugality, investing and so much more that i never knew before. Thanks to you, my 20 year old self is infinitely more perpared and knowedgable financially. Thank you for teaching me the things i didnt even know i needed to know. You'll end up making and saving me a rediculous amount of money. Cheers (Also i like and turned on the notification bell so you get more money from the algorithm, least i can do sure)

[@Doberbull]

Graham: *”Get a credit card”* Dave Ramsay: *🤦🏼‍♂️*

[@alexiskimball8117]

😅

[@marcosantana87]

dave ramsay takes a different approach towards things... an approach that you should only take if you have no self control.

[@airahli6581]

@@marcosantana87 sounds like an aproach most people can benefit of

[@ashlily0719]

Personally, I agree with Dave Ramsey on this one :) Not here to argue, just saying I know very very few people that got rich from credit cards. Also, Churchill Mortgage does home loans specifically for people without a credit score and a home is the only type of debt I'd ever recommend for building wealth. Love watching Graham regardless though!

[@Doberbull]

@@ashlily0719 I think there is a good middle ground where you include ideas both from the mindset of Dave and Graham on different aspects of personal finance. Either one followed like a sheep will not allow for optimal growth in my opinion, but when you take ideas from both of them and fit them in where you think is best, these two channels are all that you need. Add me on insta if ya wanna chat about anything: jacob_burke_

[@rineilperez1633]

This is the definition of personal finance summarized in one video. Amazing video graham, no wonder you are a legend!

[@mercygemeda1939]

Thank you so much! This was one of the most useful videos I ever watched

[@QuestionEverythingButWHY]

"Courage doesn't always roar. Sometimes courage is the quiet voice at the end of the day saying 'I will try again tomorrow. --Mary Anne Radmacher

[@heartofthefluft8541]

I'm 21 at this moment, I was wondering if I should still try to get a part-time job during my college virtual classes to get some extra cash, but this video opened me up for keep searching for that. I remember when my father stopped me from getting my first part-time job during college, even if they paid less than minimal wage...but now, thanks to my skills I should apply to work from home and start building my accounts. Wish me luck!

[@jimfreeland4987]

Great info learned alot I will show to my boys

[@josephbellini9143]

Thank you for the useful information

[@stevenpaul4394]

My trading journey was a matriculation of highs and lows, literally just like the market. you up, you down. Now I'm constantly up.

[@elijahbobby3078]

Hello, I'm new to Bitcoin trade and I've been making huge losses but recently i see a lot of people earning from it Please can someone tell me what to do?

[@davidthomas4788]

The new digital gold has created a new trillion-dollar's opportunity around the world! Where do you think your country is headed for

[@ashleykimberly4285]

All you need now is a professional trader else you will continue making losses.

[@zirailiya8575]

That is true, you need an expert broker and account manager to make good profit from Bitcoin trade.

[@mariewoods4193]

Trading on your own is very risky, many people have lost a lot trading for themselves

[@JP-kr5ft]

If I could go back to 18 years old I'd buy Bitcoin at a penny

[@gasdorficmuncher9943]

or tesla stock

[@dpsheals]

Dude I regret hearing my friends talk about bitcoin and not buying it back in the day.

[@compoundinterestinsights]

gasdorfic muncher bitcoin outperforms Tesla by far

[@alexc5369]

If you could go back you still wouldn't because you can't take the future knowledge into the past.

[@dpsheals]

Alex Campili very true but wishful thinking lol

[@SarahRN]

love this video!! thank you!

[@samsmusichub]

Helpful as always!

[@Takanekoandele]

I am 15 and just started investing in ETF's and index funds, my parents gave me a $2000 starting budget and I hope that one day I can change my life and also my family's life. They are very scared to invest anything even the 401K, so I'm trying to make a differerence. Thanks for the advice Graham!

[@BenDover-tk3jj]

You're gonna make it kid, i believe in you

[@Takanekoandele]

@@BenDover-tk3jj thanks 🤞

[@kaylaabanks7284]

Your going places. You will make IT.

[@joelsanderson2021]

You got this mane I bet your invests are doing amazing rn

[@lingwallace5265]

Thanks for this video and also thanks to those who recommended Jane Marie Kunak for her good works. You all have to know that making money digitally is the main key to survival now.

[@susanna1994]

Truly Stocks, ETFs and Mutual funds are the best investment decision you can make both short term and long term for steady money flow. Kudos

[@Frank-wk7ww]

I googled the lady you mentioned, and after going through her credentials, I can tell she's a pro, I'll be writing her a mail shortly

[@susangrant2428]

My method is to buy quality firms, anticipate to hold them regardless of what happens, pay up but not too much, keep track, sell only when necessary, and be ready to course correct.

[@anabellrodeo9142]

Financial management is a crucial topic that most tend to shy away from, and ends up haunting them in the near future.

[@francesbrokes8552]

Passive investing is a surefire investing strategy to build wealth in your 20's and beyond

[@nancyperry2077]

Is this the same as index investing ?

[@francesbrokes8552]

Passive investing is an investment strategy to maximize returns by minimizing buying and selling. Index investing in one common passive investing strategy whereby investors purchase a representative benchmark, such as the S&P 500 index, and hold it over a long time horizon.

[@nancyperry2077]

@@francesbrokes8552 Got it thanks !

[@carlenebriston9557]

@@francesbrokes8552 What's the relative advantage of trading with this method ?

[@francesbrokes8552]

@@carlenebriston9557 Passive investing methods seek to avoid the fees and limited performance that may occur with frequent trading. Passive investing’s goal is to build wealth gradually. Also known as a buy-and-hold strategy, passive investing means buying a security to own it long-term. Unlike active traders, passive investors do not seek to profit from short-term price fluctuations or market timing. The underlying assumption of passive investment strategy is that the market posts positive returns over time. Passive managers generally believe it is difficult to out-think the market, so they try to match market or sector performance. Passive investing attempts to replicate market performance by constructing well-diversified portfolios of single stocks, which if done individually, would require extensive research.

[@everlastingsafehaven8855]

Loved this video! Straight to the point.

[@JadeTrading]

Who’s in their 20s?🙋‍♀️

[@InvestorCenter]

ME

[@Jonathanjime]

!!!

[@angelsuaj3789]

Exactly 20

[@gasdorficmuncher9943]

@@InvestorCenter you need to buy something on the stock market like shitcoins and tesla and bank it for 10 years ?

[@gavnonadoroge3092]

yiu