How To Save 99% Of Your Income

[@zachd.873]

I stopped watching at 0:52 because thats all I needed to hear. I completely understood and moved back in with my mom. Thanks Graham.

[@thaliagarcia964]

Lmfao

[@alexismelendez3955]

Nice one

[@MaximusMuleti]

I've considered living on the streets for a summer to save up enough money to have a down payment on a home, but my investments really have taken off, so now it's just about waiting. In fact, now it's not about the down payment, it's about getting the whole house in 1 shot. That way, I can re-save with having zero housing expense eating into my profits.

[@dylanblum1417]

same

[@sasookarry]

@@MaximusMuleti watch Graham’s video about 15 year mortgage vs. 30 year mortgage. It will help

[@NickSkye]

The secret is to make so much money that 1% is still enough to live on lol

[@GrahamStephan]

Hah!

[@inn4nyc]

Nick Skye Hoyt -- THATS what I tried to say in my comment lol

[@NeonBearClaw]

Essentially.

[@mrcarterfx885]

Make so much that 1% of your income still puts you in the 1%

[@Je.rone_]

True!!

[@Erika2]

I see a lot of comments on how $2mil a year is not relatable. I agree, but I think there's a bigger takeaway here that we can't sleep on. The takeaway is that the more you're able to save of your income (the larger your savings rate), the better off you are. Graham's savings rate is 99%, and the average US savings rate is 7.8%. Yes, 99% is going to be hard to attain for most, but strive to get as high up as you can (at least beat the average savings rate of 7.8%). Here's why: your savings rate determines the number of years it'll take to save up 1 years worth of expenses. So if you're saving the average (7.8%), it's going to take you 12.8 years to save you 1 years worth of expenses. The higher up your savings rate gets, the fewer years it takes to save up 1 years worth of expenses. See below. To me, that's the takeaway from this. 99% may be hard, but try to beat your current savings rate. Ideally, get up to a 50% savings rate. 1. Savings Rate: 10%; Years to Save 1 Years Worth of Expenses: 10 years. 2. 20%; 5 years 3. 30%; 3.3 years 4. 40%; 2.5 years 5. 50%; 2 years 6. 60%; 1.7 years 7. 70%; 1.4 years 8. 80%; 1.3 years 9. 90%; 1.1 years 10. 100%; 1 year

[@littleretroship6403]

Verified comment thats very useful and very long only has 14 like and 0 replies???? What the....

[@levibingham9080]

Very good comment. One small correction I'd like to point out that may make the math more clear. You are saying how long it takes to save up one year's "expenses", when this math actually implies one year's salary. If you have a savings rate larger than 0% then your expenses do not equal your salary. Your point still stands though, savings rate is key. If you focus on it and improve it, your financial picture gets better!

[@vitsadelhole]

@@littleretroship6403 bc the math in the comment is completely wrong bc she didn't subtract savings from expenses refer to my other comment

[@bahijarhafiri]

saving helps a lot especially when your income rate is high

[@GhanYt]

no matter how little the income is,,,. is very necessary to make savings out it.

[@graywilliams_77.]

who is your adviser......how can i get in touch with her

[@graywilliams_77.]

thanks for recommending i find her

[@julieleon3169]

The closest parking in my university is $600. I paid $45 for the mile away parking and determined to walk that everyday carrying a laptop and textbooks. Persistence 💪

[@calebharris4127]

Julie Leon personally id invest a lil into a bike!

[@joelbruck66]

SOAMBITIOUSDOM I love sweatcoin!!

[@studlypear05]

Same. My University charged $300 a semester for parking pass BUT...their was a metro link transport station half a mile away from campus. I would park there and ride my bike on to campus everyday. Free parking. Saved $600 per year.

[@knucleballfreedom]

People 1 mile is a 10 min walk.

[@jinjaninjagaming5443]

It’s $150 at my school but I Park a mile away at the grocery store for free

[@sagepavlak123]

Graham is the definition of “live like most wont now, so you can live like most can’t later”

[@AaronCrowder]

amen amen

[@SOAMBITIOUSDOM]

sage great quote

[@Qlicky]

This kind of people rarely 'live' later. Its like a disease. By the time you realize you're slave to money its already too late.

[@Pnasty1337]

@@Qlicky Food for thought: "Living" means different things to different people. If the way he lives makes him happy, and rich.. Then more power to him. Peace & love!

[@jenny01317]

Sounds like some Dave Ramsay wisdom there

[@simplyhomemaker7611]

I think it was Warren Buffet that said "don't save what is left after spending, spend what is left after saving" Invest in yourself and invest in your future because you are worth it!

[@michaelcarelli1788]

Essentially pay yourself first. I think Rich Dad Poor Dad goes over this topic.

[@simplyhomemaker7611]

@@michaelcarelli1788 Yes you are right. I need to have another refresher read of that book thanks for the reminder.

[@VioletIsBulletproof]

I started doing this 20% into savings right after getting paid ..after watching Graham. I was doing the reverse. saving what was left over...and boy..there was nothing left over (altho..in my defense most of the money went into student loans. Ive on purpose left some loans alone to pay off slowly to help build/keep high credit)...but yeah....i changed my tactic and ....everything is very different now. Now I just wanna figure some stuff out in life..then get into investing.

[@simplyhomemaker7611]

VioletIsBulletproof that’s awesome! Actually just post a video on investing as we are at that point in our journey. It’s amazing what happens when you change your perspective a little

[@VioletIsBulletproof]

@@simplyhomemaker7611 in all honesty i was an effing moron. If id played smart i could've gotten out of college with 40k in savings. U thinkkkk im joking. But im not. I get depressed every time i think of past mistakes lmao

[@wiles5659]

Graham: Tells me not to spend money on coffe Also Graham: Tries to get me to buy coffee

[@RepublicOfIraq]

he has 20c coffee

[@anatoliyrubanenko7277]

$

[@THEKiNG-fh9zl]

Graham is the Man!

[@walterhawkins1062]

It's a test

[@AblazeFPS1]

You're gonna save more money doing at home than buying any other coffee

[@Nwakaego_]

My question is: does Graham’s tenants watch his channel, know they’re paying his mortgage and smash the like button as the rest of us do?

[@GrahamStephan]

Some of them do!

[@jacobknight3787]

That's why real estate is so lucrative. He gets his bills paid for taking the risk and having the money up front. They get to live without committing money/freedom to a location.

[@ohaiderepeeps828]

@@jacobknight3787 The money goes to the patient, and the most productive.

[@brettconstant2154]

Lmfaoo I would honestly ...its not his fault I gotta live somewhere

[@camamama81]

@@GrahamStephan holy cow it is graham himself!!!!

[@lifeinretrospecs]

I can’t live without specialty coffee. I started working at a coffee shop so I didn’t have to pay for it. coffee hacking.

[@RLomoterenge]

Stonks!

[@MushtaqAhmad-lx5gx]

Nice pkay

[@anonymoussquirrel6427]

People call me a frugal skeptic... But I'm not sure I buy that.

[@traviswilliams1296]

😂😂😂beautifully put

[@nw9801]

Anonymous Squirrel *underrated comment*

[@jononfirebudgetinginvestin3897]

Anonymous Squirrel this comment wins

[@ktom721]

Nioce! 👌🏽

[@xguti001]

Lmao

[@ZacharyLaid]

I've been driving for free all my life, literally every car I have owned I either sold for break-even years later or at a slight profit. What matters is the price you pay to buy, not sell.

[@manictiger]

Agreed. There are pretty much 2 price ranges for cars I might be interested in: 2000 - 4000: car that works 200 - 400: car that doesn't work

who paid for gas, insurance and maintenance?

[@alexodonnell6555]

Same, I've always loved cars so have bought desirable ones and always gets me in and out with a fun ownership experience for much less than the depreciation cost of a new car!

[@MetalBum]

Zachary Laid Finding Freedom and gas is free? Repairs?

[@ZacharyLaid]

@@reinen9006 frequency, first I never buy a car new, that'll depreciate so quick. second, typically anywhere from 1 month to 2 or 3 years longest I'll hold on to a car. And some cars I have owned actually APPRECIATED in value. Sports cars like Acura RSX type S and so on.

[@CerealKillahh]

It’s pretty easy to save 99% of your income when it’s over $2 million a year.

[@GrahamStephan]

I mentioned it was 100% before, since I only spend rental income and save everything else. But the nuance was a little difficult to fully explain since that was technically income.

[@CerealKillahh]

Totally understand. You’re doing well for good reasons so I hope I speak for everyone when I say thanks for your advice, your dumb jokes and most importantly your ability to teach from real life examples.

[@CuriosityUnchained]

Lots of people who earn 2 million a year still spend it all. The trick is to be smart and disciplined like Graham

[@nitishkannan2919]

Graham Stephan I’m kind of the same I have free private jets my Tesla is free supercharging my rent in LA is cheap. Wrote off all for business. Travel first class using miles and points and all the stuff is free and spend very little biggest expense is food and bills lol. So I don’t spend much at all and living rich. Without spending much at all

[@kostaspiliopoulos1531]

I gross 40K a year in CT. I put 10% in 401K and 10% into Roth IRA. Plus I put $192.31 a week [10k a year] into a high yet savings account. I'm saving more than 50%.

[@VintageCurrent]

Even as someone with 2 kids, I can say you're spot on. I'm still working on getting to 100% ... but I'm close. While it does take more discipline, and more money when you have dependents, the lessons they learn from watching those habits are gold. The trick I'm finding is to be really transparent about what I'm doing and why so they don't take that level of success for granted.

[@GrahamStephan]

🙌🏼

[@ashleyjohnson9485]

@MARK SHAW agreed....what the hell does 100% savings even mean😂 I guess she means 100% of her salary and will use some other source of income for expenses or this is sarcasm that I didn't understand.

[@Dimrain13]

Steps for success I have found. Step 1: Live in a place that isnt very pricey within a 30 min drive to at least 3 bigger cities. Michigan is a good place for this. Step 2: Buy a house that needs some repairs that are cheap so you get a good deal (even if you only have 5% down its worth the PMI long term) Step 3: Make the repairs YOURSELF. I got a house that only needed a new roof for a huge discount, and it only costs $1500-2000 in parts. Step 4: Live in the house for 2 years to avoid taxes Step 5: When you sell this house if you chose well.. You should be able to get somewhere between 20-100% of the purchase price in profit. (Im hitting 100% myself) Step 6: repeat step 1-5 I'm on round 2 and plan to do this till I die.

[@arkhamxdarkseid1249]

Since I've started watching your channel, I've been able to cut so much of my impulsive spending and now look forward to ways I can cut expenses. Keep up the good work homie!

[@GrahamStephan]

Nice!! Great work!

[@NickPeitsch]

After making the "$78 Tesla" video, I'm sure the ad revenue completely paid for the car itself! You got that car for FREE.

[@JoeGarofaloII]

Actually, he made a video on it a while ago and it paid for the car 3x... probably about 5x by now...

[@ericworthington7299]

Facts...

[@littleretroship6403]

No, he got paid to get the car. It was an investment

[@KaiAndrew]

Preach, Graham! Hacked my through my 20s and now saving 90-95% of my income. I felt the same way as a kid - more interested in turning a buck into two, rather than spending it. Hint: Live mortgage and debt free, stretch your dollar and bottom out your fixed expenses.

[@victorbaird8220]

😊

[@TheDressageAddict]

After starting tracking spending with Mint last October, I've cut my food spending in half. Added perk is I'm eating healthier because I'm making food at home!

[@mizzysparrots4874]

I save money by extreme couponing. I pay almost nothing for things I need, like toilet paper, shampoo, soap, and toothpaste. I know so many people who blow money on this junk at the dollar store because they think its cheaper but in reality they are just getting cheap brands and wasting that money whereas I am spending almost nothing on name brands and good quality. I try to teach this to people on how to do it and they dont wanna learn. It's crazy how many people just dont actually make money/saving/discount shopping a priority when it really should be. I'm talking like I save about 95% off retail prices, not just a few cents or dollars. I just went to CVS the other day and bought 4 items that retailed for $28 but I only spent $3.98 lol and I got 3 bottles of pantene shampoo and 1 bottle of dove body wash!!! Edit : don't believe the show on tlc where they depict people spending like 8 hours a day looking through coupons. I have never done that, and I dont know anyone who has. It's easy to just go to the stores and buy the items you need that also give money back.

[@ianscianablo8507]

How can I do this? I use only a handful of name brands every week. Which sites? Thanks!!! I love coupons but I don't buy the paper.

[@RossLemon]

That's good that you're saving money on toiletries but for me it's not so much saving money but saving time. I feel that I could accomplish much more with my time, doing something else, rather than sitting around couponing for several hours. Not saying that's a bad thing, it's just not for me.

[@alexismelendez3955]

What sources helped you with coupons!

[@DKM.23]

@Luke Missirian-Parise whether you like or not money is kind of your god. It dictates how you live your life, you are a slave to it and becoming financially independent is becoming unshackled. As much as I think what graham does is potentially ott the mindset of saving like that is an intelligent one

[@Balls99000]

How much is your time worth?

[@abraamgirgis9564]

Legend has it that if you comment early with "this comment is strictly for the KZbin algorithm" You shall be hearted by Graham himself.

[@GrahamStephan]

Done!

[@abraamgirgis9564]

@@GrahamStephan just want to say thanks for all you've done for your subscribers, I'm 18 and have been watching since 16 since then I've got a credit card with a 700 credit score, have 3 properties one I'm househacking while at Uni doing Pharmacy, while running my online buissness and will be set to be a millionaire by 26. Truly because of you. Thank you for your inspiration Graham. - Abraam

[@Bt2027]

Hey Graham, I used to live pay check to pay check but after watching your videos and keeping track of my everyday spending so far I’ve saved 50% of my income all thanks to you. My goal is to save 80-90% of my income. Just wanted to say thank you for providing us financial education which I didn’t learn in school even though I graduated as a business major. Love from West Virginia 💕

[@reynoldswells6192]

I always had this kind of mind set, but as a WV native who also got a business degree it's amusing/concerning that we weren't taught any of this

[@badboiibay]

GRAHAM IS THE MAN! Thanks for inspiring me to create my own channel on COMMERCIAL real estate investing. Keep crushing it!

[@romanroy4564]

I see you 👀

[@cartermontgomery9112]

haha gunnin for his job ??

[@GrahamStephan]

You got it!!

[@badboiibay]

Thanks Graham! You’re the boss

[@smhca]

Graham. I really appreciate your free advice and not forcing us to buy any programs. You have changed my mindset completely and made investing & saving easier and more attainable. Also GG on the sponsor!!

[@AvatarEnd777]

Dude, you are a man after my own heart. I already do all the things you talk about but like listening to you because hardly anyone I know does this so and listening to you makes me feel less alone.

[@RossCampoli]

Graham’s FIRE: Frugal iced coffee Inexpensive avocado toast Rebates on Teslas Everyone smashing the like button 👍 😂

[@worldbosspf1]

Inexpensive girlfriend.

[@RossCampoli]

worldbosspf1 hahaha that would definitely help!

[@nw9801]

Ross Campoli - Leadership & Business Videos best comment

[@RossCampoli]

N W 🙏🙏🙏

[@cherrytung]

Monetizing people around him? Girlfriend, dad, and Ramsey the cat?

[@ZachWeiss]

This video should be titled, "How I Hacked the World"

[@deepeshchetwani6250]

😂😂😂

[@AaronCrowder]

lol

[@thankfulblessed3774]

😂😂🤣🤣

[@BrokerBob]

Graham, please find a way to save 200% of your income.

[@RealLifeMoney]

Broker Bob Oh he probably will don’t worry haha

[@AblazeFPS1]

Broker Bob get to work

[@logank7909]

I love commenting for the KZbin algorithm

[@AaronCrowder]

john dope same

[@ResourceTalks]

Next video: how I save 101% of my income.

[@matthew8153]

B.A.B.Y Investments Get the right tax credits

[@GeraldOng]

Step 1 Destroy the like button - DONE! Step 2: Live for free in a duplex - IN PROGRESS 😃 Step 3: Make over 2 million a year - hmmm 🤔

[@Bgbadminton]

I'm here because I make over 2 million a year and I'm trying to live off 1% of my income! Just kidding, I'm the reverse.. the 1% of KZbinrs that doesn't seem to be making 2 million a year hahaha!

[@Erika2]

@@Bgbadminton Haha, same. I make $0 on KZbin but I love doing it so it's worth it :)

[@GenXHistorian]

@@Erika2 Your videos are great. Well done. Keep going.

[@Erika2]

@@GenXHistorian Wow, thank you! I really appreciate that! Thanks for the sub :)

[@WitchLuw]

@@Bgbadminton ya true. If i had to get cars i'd have like 5 cars max

[@kacperc747]

I'm 15 years old and these videos are extremely interesting to me. I wanna get to the same point as Graham one day.

[@GrahamStephan]

Awesome!!

[@raymuench1793]

You couldn't have a better role model than Graham. He's ethical, crazy smart and a real innovator.

[@damiennana5655]

That coffee ad was the most clever way to advertise something out of nowhere. Well done Graham

[@IZylusI]

I got so confused when he started yelling at his mom but thought in my head "well I mean living with your mom does cut down a lot of costs" and it lead to exactly that.

[@chrisglaze1410]

Yeah

[@spoyledbratt]

Living with my parents helped me buy a home sooner.

[@blackrain1999]

Y' all are some spoiled brats. Which poor parent lets themselves be exploited like that by fully grown- up, healthy and able-bodied kids without expecting anything back somehow someday? (Reminder: Don't get kids, that is exactly how they are going to turn nowadays).

[@mugustabjeonklei2613]

About eating at restaurants, ask your cashier or waitress if there's a cheaper way to order.... This can happen if they're raising funds for a charity and give coupons to you after you donate. Example: Taco Bell gives you a coupon for a "free" taco when you donate 1$ (and there's no sales tax on donations). The exact same taco normally went for $1.39 when I worked there.

[@JoeGarofaloII]

How to save 99% of your income: 1. Earn $2,000,000 a year 2. Yea stop kidding yourself, you didn't complete step 1 yet

[@metzli_moon]

Joe Garofalo II he’s literally BEEN normal income like the rest of us. He worked at an aquarium for a long time, and then basically was a real estate lackey for like a year, before making his first sale.

[@JoeGarofaloII]

@@metzli_moon he worked at the aquarium when he was in highschool. He had another job for a few weeks and then yea he became a real estate agent and went about 10 months without selling a house. So? He worked really hard and started making really good money after his first year. He makes way more doing KZbin full time and I'm happy for him. His hard work is paying off. Saving 99% of your income isn't feasible for most people unless they have a ridiculous income on top of saving as much as they can

[@metzli_moon]

Oh yeah definitely. Saving 99% of one’s income isn’t feasible for almost anyone who is usual. I just wanted to insert that he started where we or most of the audience is right now.

[@PenniesNotPerfection]

Joe Garofalo II hahah yesss

[@JoeGarofaloII]

@Tyler Durden nah, most people who won the lottery and a lot of athletes and celebrities don't know what to do

[@OwolabbyAzeez]

Did y’all know it’s impossible to breathe while smiling? Kidding just wanted y’all to smile. If you’re reading this bruv (or bruvette), understand that you are amazing bro, have a blessed day and don’t let nobody ruin your day bro. Get ya bread and all the crumbs too. 🤧🙌🏾🔥

[@GrahamStephan]

:)

[@nw9801]

Owolabby Azeez this was a wonderful comment. Thank you bruv!

[@cherrytung]

Owolabby Azeez awwww 💓

[@kyawthwe9694]

I wasn’t planing to smile today, you got me there 😂👍🏼👍🏼

[@ALXSSA]

you made me smile lol

[@Jujub826]

Now we need a “where my 99% income goes that I save”

[@christopherorick8652]

good juju into that Roth IRA, individual account, and more real estate.

[@HearMeLearn]

@@christopherorick8652 this, he's gonna have so many millions once he's old that he's not gonna even know what to spend it on

[@MusicNerdMIDI]

Love the free parking idea. I had a vacation trip to San Francisco recently and we already knew that parking would be incredibly challenging. We stayed at a hotel just north of San Francisco, paid $100+ less for the room, and paid $0 for parking (it would have been $65+ per day at the same brand hotel, just located near Fisherman's Wharf). When going into San Francisco, we would just wait or drive around our location for a few minutes into the neighborhoods and found free parking spots with just a bit of patience, and walked towards our location, instead of paying $8 on a meter PER stop! For a 2.5 day trip in San Francisco, we've spent a total of $5 in parking and drove to all of our locations!

[@adamdoes4757]

The Mom joke at the beginning was perfect. Love your channel, Graham! You're a huge inspiration for me

[@RossCampoli]

Graham teaching FIRE, meanwhile his videos have ALWAYS been 🔥🔥🔥

[@GrahamStephan]

Thanks!

[@RossCampoli]

Graham Stephan thanks for the great videos, Graham!

[@trsshup]

I thought my 92.3% savings rate was impressive...I guess I better stop slacking 😂

[@merryberry6576]

Tristen Shuptrine how have you been doing it?

[@NegativeAccelerate]

@@merryberry6576 maybe he’s 16 and lives with parents

[@SenorJuan2023]

Impressive. Most Impressive

[@MushtaqAhmad-lx5gx]

No that is impressive

[@trsshup]

@@merryberry6576 Oh i was working out of town for about a year and the company i worked for had a mancamp that provided food and housing for the project. So i put my things in storage and really only had to pay for my personal cellphone, streaming services and any other entertainment.

[@bensonfinancial3945]

I save 99% of my income too. I just don't spend anything!

[@averagejoey2000]

neither does Graham

[@mike77588]

What do you eat, where do you live

[@alexandertsigaridas5411]

I know people in the UK who spend £100-£150 per week on "socialising" (alcohol and drugs). When I asked them, none of them thought that they could pay off a mortgage for a rental property with the same amount.

[@kennyd8747]

9:53 that was a smooth transition to placing the product in the shot. I dig it

[@AaronCrowder]

Kenny D solid

[@jeffdorris5321]

House hacking is real I have done it 3 times. 1. Time I was living with a roommate and we split expenses 50/50. 2. I bought a four plex lived in one unit and rented the other 3 units out. Got approved with an FHA loan. 3. I paid cash and bought a 3 bedroom house. That way no rent or mortgage, only need to pay property taxes.

[@TheExcellentInvestor]

“Mom the meat loaf!”

[@GrahamStephan]

THE MEAT LOOOAFFFFF

[@TheExcellentInvestor]

Graham Stephan You reminded me of that scene! Good video bro

[@SilverFan21k]

Josh A Berg i never know... what she’s doing... in there.... :x

[@TheExcellentInvestor]

Griffin Brumley 😂 What a great classic!

[@hunszaszist]

Step 1: Increase earnings to 10000% Step 2: When you have your dream house and car, reduce spendings to whatever it was originally.

[@Papeeshka]

There is no free parking a block away in LA. It’s so crazy here. But I do agree if I leave early and get somewhere before it gets busy it is way easier to find a spot.

[@oregonhomeswithmariahcrawford]

Love how you explained your reasoning behind doing all of this🙌🏼🙌🏼so good!!

[@NeonBearClaw]

9:53 Such a smooth transition. Graham, you are too damn good at this. Keep up the good work!

[@AaronCrowder]

Motivated To Learn he’s a legend. trying to get where he’s at🙌🏼

[@NeonBearClaw]

@@AaronCrowder You'll get there as long as you keep at it, and always focus on quality.

[@AaronCrowder]

Motivated To Learn i’m definitely working brotha! thanks for the motivation :)

[@myrtlewyckoff3060]

Talk about vacation and leisure spending. I always wondered what vacations are like for you and how you save money.

[@vitsadelhole]

Use points and earn status those are the best ways to save money traveling

[@jbmaynar1]

Essentially a lot of these money saving tips is to have “will power”

[@rpierrelouis071]

802Brew lol eventually I will have will power until then I’m balling!! 🤑🤑

[@SOAMBITIOUSDOM]

802Brew Yep and picking priorities

[@waynemiller6070]

Yes, discipline.

[@da14a49]

You picked up on something clearly - 'think and grow rich' carries this message.

[@Live-Life-Freely]

I'm sure Graham has mentioned this somewhere but something else that's absolutely critical for opening yourself up to financial independence is to not have kids out-of-wedlock, finish high school and get a full-time job. From there you have the freedom to use your work income for your business. As for the coffee, when I was in my late teens early twenties I used to drink coffee until I saw how the adults around me practically worshipped coffee and could operate without it. I quickly realized that this is a drug that I can do without and stopped drinking it. Saving money by not eating out is actually fun because you incorporate it into your overall savings plan and it then becomes a sort of game to see homey much you can save from month to month and how you can outdo yourself.

[@indigorose3514]

So glad I came across all of this great content! I'm just confused as to why the video keeps cutting back and forth between the two locations 😆

[@DividendGrowthInvesting]

A video from Graham and Andrei on the same day.. Life is good.

[@GrahamStephan]

:)

[@VicRoseOfficial]

Lmao 😂 “Self Exposed” !!! I love it! Pure Genius! 🙏🏼

[@GrahamStephan]

😜

[@traviswilliams1296]

This beats the “exposed” video I did on you graham 😂

[@RobinVL]

if i save 99% off my income im left with 18 euros, should be enough for a month of living expenses lol

[@AaronCrowder]

RobinVL lolol

[@chrysterfung5983]

RobinVL 🤣🤣🤣🤣

[@bhuvanchandv666]

starts at 2:34

[@2024Red-j5t]

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.

[@wealthychronicle-i1u]

Quite true! You don't necessarily need to be a flawless investor; all you need to do is seek advice from an expert. I began investing in 2016 and pulled a profit of roughly $900k that same year despite having no prior investment knowledge.

[@2024Red-j5t]

How do I Find this Lady?

[@wealthychronicle-i1u]

[@2024Red-j5t]

I've come across a lot of recommendations but this one stands out. Nicole's resume is pretty sophisticated, and shows she was active during the last bear market, I also emailed her. Thanks for the info!

[@imgonzalez]

Next video: How i get paid to save my income

[@GrahamStephan]

😂

[@cherrytung]

Adrian Gonzalez also true 🙌

[@matthew8153]

Adrian Gonzalez I did that for a while. When my parents would give me an allowance when I was about 10 my grandmother would double it under the condition I’d put it all into a savings account.

[@AutoTechWorld_DIY]

Jokes aside, I think you first tip was the best. Live in your parents basement and put your feet under their table 😂😂

[@GrahamStephan]

Haha works well ;)

[@tobyknapik]

“... because QUITE LITERALLY, I am standing behind it” Graham, we are getting a much better ROI in the form of your jokes since this channel’s inception. I literally chuckled to that one.

[@natatatt]

Free parking - some cities have very little free parking at all, and what little there is, is always taken. I live in Vancouver and most of downtown is paid parking - really difficult to find free.

[@bernardrouhi451]

One thing about cooking your own food does not only save you money also you know what you put in your body.

[@skullkidn64]

Step 1: 20 cent iced coffee Step 2: 90 cent avocado toast Step 3: Save. Save. Save

[@ellisback6519]

Step 1: Make 100 million a year Step 2: Spend 1 million a year

[@GrahamStephan]

😱

[@ericworthington7299]

1 million is 1% too much...

[@traviswilliams1296]

Step 1. Make over a million a year..

[@cherrytung]

Travis Williams true story though

[@adolpholiverbush5867]

2 million

[@princesses2909]

1.2 M after taxes

[@kevinsmithfan37]

Not really. Im looking to buy a place for 250-300k. If i buy a place for 250k the repayments work out to about 1k per month for 30 years. But if i was to save extra money and instead of paying my mortgage down i put it in the spm500 and say make 5%. Well once i clear 240k in savings i would be making 12k a year in interest. The more i pile money in the more it could cover other expenses like petrol, electric, phone/internet, car insurance, food. At some point as long as you just wanna live modest you would cover all your bills

[@alecjoseph1313]

Or live frugile, takes sacrifice lol

[@shadowdelince6366]

You should make a video about how to estimate the value of a property! That will really help people like me who’s trynna be a young real estate investors. 🤜🏾

[@CHEFPKR]

After buying off some debt, my wife and I realized we don't need a ton of cash to live each month. We will be able to save about 60% of our income, while still trying to purchase new property and living life.

[@tyisamess]

How I Save 99% of My Income Step 1: become a millionaire

[@RealLifeMoney]

Ty Yoder Makes it slightly easier 😝

[@AaronCrowder]

lol

[@kaylagnapp5509]

And here I thought I was doing pretty well by saving almost 60% of my income... back to work! In all seriousness, your videos keep me motivated to keep working hard so one days I can live off my investments, hopefully by 45! Thanks for all you do!

[@GrahamStephan]

🙌🏼

[@obruche2822]

I ponder on how my retirement experience would generally feel like because I've not yet been able to save enough money and according to my spreadsheet I'm 9 years closer to my retirement schedule.

[@chinwendun6401]

hi frank ,i really need to invest with an expert broker,what are his terms or how do i get in touch with him

[@obruche2822]

@@chinwendun6401 i do get in touch with him at

[@ncpriscilla4081]

i have seen a couple of good reviews about this same trader across multiple comments here on KZbin though am yet to give him a trial

[@lawrencerodrigo8335]

I appreciate the trust built over the past few months of working with him and I respect him for his honesty and hard work

[@justinwalsh3311]

Have been a fan of watching your videos for a bit. But learning youre a car guy made me enjoy this video even more. Thank you!

[@portcitytrading6923]

If the car is in your company’s name , your personal usage is a taxable benefit since it is a business asset not a personal asset.

[@GrahamStephan]

True

[@ukelaalred2575]

“But Graham!” 🤣😭

[@GrahamStephan]

😜

[@SOAMBITIOUSDOM]

Ukela Alred 😂😭

[@davidmayer7030]

“I said that all in one take” that gets a like 😂

[@GrahamStephan]

🙌🏼😍

[@timotius]

I agree though, living with your parents save lots of money 🤑🤑

[@johannadonaldson8975]

Graham you make me feel awful about my loose spending habits and I LOVE IT. Thank you sir

[@jacekgatkowski8869]

Thank God that I found your channel Gragam! Thx for all the advice. They are already making a difference. :)

[@brandonwilcox7411]

Love this channel! Could you possibly make a video for new grads or anybody who is basically starting from scratch with little to no savings? Going over stuff like budgeting and investing when you don’t have a ton of disposable income? Already smashed the like button! Keep up the good work!

[@alexyogendran196]

I always make a 20 cent ice coffee before watching you

[@GrahamStephan]

:)

[@Laffy1345]

You cheap..go to McDonalds. ..1 dollar or 55cent if your old...ok boomer..your old and your welcome.

[@Laffy1345]

Oh, Black Rifle Coffee is the best. It supports the Soldiers who work there.

[@alexyogendran196]

Larry Williams im 15 years tho

[@Laffy1345]

@@alexyogendran196 oh, tell them your 55, you just look 15

[@danf4447]

"house hacking " sounds so much cooler than running a boarding house like miss kitty on gun smoke 100 years ago...

[@adamulicny]

Love the tips about saving money by cooking etc. I feel most people structure their lives around comfort and being able to pay for anything (like parking, food) just so they don´t have to do a couple extra steps.

[@slappymcface5681]

You mentioned alcohol, I was AMAZED at how much money I retained when I kicked the sauce. It’s enough to fully fund my Roth IRA every year. 126 days sober today.

[@GrahamStephan]

WELL DONE!

[@riellg.e.m.b-112beatz4]

“I’m making the money I didn’t spend “ - Brilliant mind shift

[@MissUnpossible]

I really have to say how much I appreciate your channel cos I cut my expenses in HALF since I started watching you, and I have more leftover then ever even though I make less money (since I had to take low pay internship for my exam)...my only regret is that I haven't discovered you earlier =) cheers to you!!

[@matthew8153]

In one year I’ll reach the living on 10% master level and that includes my health insurance and taxes.

[@javiiking6363]

Stephen Graham is a grand master in personal finance and personal development 👏🏾👏🏾👏🏾 You're my role model!! 👍🏾

[@katz20200]

I enjoy your witty style. It's a two- for- one deal. Entertainment AND information! Are you naturally so energetic or is it from the particular coffee you stand behind ? 😉 I think I'll order some!

[@GeoffreyJamesKing]

FIRE FAIL I NEED MONEY REALLY WANT TO ENJOY WHAT I DO EVERYTHING IS EXPENSIVE

[@Everardo10M]

New game: take a shot every time he says “passive income”

[@Lelouch12195]

Everardo I’m drunk...so drunk I smashed the dislike button. Blame it on this guy Graham 😂

[@weerobot]

Yes... ROFL

[@Rtcmanga_YouTube_Channel]

The coffee ad was kind of a surprise!! :D American food choices in home cooking: Pizza or Hot Dogs!! :D :D

[@ptnibin123456]

I use the traditional kakeibo method of budgeting to track my expenses !! & i find it extremely helpful....

[@maddiebarry5546]

Graham, literally every time you say smash the like button, i go to like it. MOST of the time I have already liked the video 😂 thank you for all the info you’re sharing!!!!

[@DanielleLaBarbera]

How to save 99% of your income: don’t have children

[@IamaNewCreature]

And don’t get married.

[@SOAMBITIOUSDOM]

Danielle LaBarbera they can be costly haha

[@shapeshfters]

It’s also good for the environment.

[@GypsyBrokenwings]

Or a husband, or become disabled....

[@AsamiyaMouchou]

Also live under a bridge and eat rocks.

[@OmniscientlyMe]

How to save 99% of your income per year: Step 1. Make 100x more money than you need. Step 2. Only spend as much as you need.

[@FutureNow]

*insert "It's Free Real Estate" meme*

[@krabbykrabby8818]

I think people are reading too much into the title. Dont think he literally means *SAVE 99%* but save more

[@Shashika]

Love u bro been following you for years 🔥❤🔥 So inspirational

[@AaronCrowder]

shashika. 2000 love it🙌🏼