How I live for FREE by House Hacking and investing in Real Estate

[@GrahamStephan]

Happy Friday! Feel free to join the Real Estate Facebook group! (ITS FREE!! lol) facebook.com/groups/therealestatemillionairemastermind/

[@TayJay3x]

Graham Stephan I’m joining!!

[@andyyhimself]

Graham Stephan I smell a 100k subscriber special😏

[@enriquepolanco7105]

Thanks Graham. You really have inspired me in so many way. Im 18 from New Jersey and i have chosen to get into real estate and im very excited becuase i was going to be one of those people that join college because everyone else is going. I just wanted to thank you and let you know that i look up to you because you are my biggest role model

[@user-gs9dx1dg9n]

Graham Stephan beside the million dollar dinosaur skull and the Lotus

[@user-gs9dx1dg9n]

How many Subway sandwiches could you buy if sold all your houses ?

[@zachd.873]

Car hacking: living in your car to minimize housing expenses.

[@luisbustamante7994]

life: new level has been unlocked

[@siddhantvadan]

night: sleep in the car morning: "hey, its your uber!"

[@Dbf1339]

Not if you have to eat out every meal no way to keep food

[@MikeCampSucksFatDick]

but it still makes your car a liability doesnt it

[@pashahillyard8763]

@@MikeCampSucksFatDick Graham's Lotus appreciates in value over time though...dude has it all figured out, I swear

[@sebb]

Do a face reveal for 100k

[@GrahamStephan]

-- Takes off mask -- is actually Tai Lopez --

[@LloydAlmighty]

Graham Stephan Lmfaoooooo

[@YellowKurt]

Sebastian Ghiorghiu wait so who is the guy that I’m watching?

[@clashofclans5190]

He made it to 100k congratulations bro

[@Dbf1339]

One year later over a million that's crazy

[@l2ealChuckNorris]

Biggest takeaway from this video: Invest so you can get the $7 subway sandwich

[@GrahamStephan]

One day we can all be so lucky 🙏🏼 And if you’re really money savvy you can even order avocado!

[@weerobot]

Yes ROFL

[@KingAdam84]

Don’t care

[@ItsSupercat94]

@@KingAdam84 shut up

[@TalkingNonsense]

Preemptive congrats on 100,000 subscribers, and here's to seeing that verified check mark next to your name sometime in the near future. Great video as always!

[@GrahamStephan]

Thanks so much man! Your Gucci Gang video this week was absolutely hilarious!

[@EnriqueMartinez-lc8bo]

@@GrahamStephan been 2 yrs n now at 2.5 mil, very much well deserved!

[@TheMonkWay]

100k Today!!! These videos are very valuable for us non home owners, so keep them up and keep them simple haha!

[@GrahamStephan]

We're so close! Looks like it'll happen tomorrow mid afternoon sometime!

[@nightterror007]

1 year later and he is at 541,000 now lol. Exponential growth ftw!

[@Quick--]

@@nightterror007 4 months after your comment and hes at 1m

[@savageangel5058]

Show me the way please.

[@raydeenafisher8356]

Now he’s at 2M

[@Zinsane1]

Don’t go to $7 subways sandwiches, it’s a slippery slope that inevitably leads to bankruptcy.

[@GrahamStephan]

Let's not forget about the other elephant in the room: charging $1.50 for avocado!

[@antonioarancivia1857]

Zinsane1 Damn...can’t go with the usual footlongs...gotta go with the 6 inch sub deals lol

[@cavemanproductionsXD]

theres a promotion they are only 4.99!!!!!!!

[@rosemay4526]

What about the $5 footlong?

[@gerardantonucci6786]

19 year old here. Getting my real estate license by the end of the year and I plan to live with my parents like I have been so I can save up, buy a duplex, and househack.

[@DavidMossMGS]

Gerard Antonucci you’re 19 nobody gives a fuck if you live at home Do it as long as you can I’m 21 with a mortgage with 25% down and make a good living (no debt too etc) And I think fuck imagine how much I’d be saving and could invest if I live at home

[@gerardantonucci6786]

@@justsomeguywithoutamustach9072 I more than doubled my sales volume from year 1 to year 2. Currently starting year 3 and it's a very slow start. Inventory is almost non existent in my market right now

[@gerardantonucci6786]

@@justsomeguywithoutamustach9072 Also, I started a detailing business 1.5 years ago that has taken more priority over real estate. The goal is to keep both businesses but it comes down to finding the balance between them at this point

[@zerotohero768]

@@gerardantonucci6786 what state do you work in?

[@gerardantonucci6786]

@@zerotohero768 I work in Western Pennsylvania

[@investremotely1858]

You're the first notification bell I've ever smashed in my life.

[@GrahamStephan]

THANKS!!

[@Familyjerk]

I'd like to provide an example for you to use. I found an absolutely amazing deal in my area here in iowa. I bought a house outright for $20,000 (forclosure, assessed at $75,000) . No, I did not forget a zero. House only needed the carpet cleaned and some paint. I rent it for $700 per month. Im 20 years old. Theres no reason it can't be done.

[@GrahamStephan]

That’s such amazing cash flow! Wow!

[@Familyjerk]

Graham Stephan An advantage of the midwest! I put an offer in on a duplex, $22,500. Needs about $5,000 in work, but each side currently rents for $600. I have a real estate friend locally who has $4,500,000 worth of properties, but nets $75,000 per month ($20,000 cashflow)

[@GrahamStephan]

That’s absolutely absurd. Wow. Here in LA, $4.5m might get you about $20k net per month on a good day :(

[@Familyjerk]

Graham Stephan Still a great return on investment! I appreciate all of the time and effort you put into your videos. You and Dave Ramsey were my inspiration for getting into real estate. Literally changed my life. Thank you.

[@androshchukx]

thanks for sharing!

[@trollyou672]

but Graham!!😣😣😣

[@GrahamStephan]

But GRAHAM!! You FORGOT TO MENTION I NEED TO DO WORK!! AND DO MY OWN RESEARCH AS WELL!! *dislikes* *unsubs*

[@tracy_cakkes]

Omg lol 🤣

[@jessiej2719]

Can you do one of these for dummies? I don’t understand most of this lingo. Can you explain how to determine what can be written off?

[@faizalqorni3611]

Google it

[@NotYourAverageRadio]

Congrats on the 100,000!! Well deserved!

[@GrahamStephan]

Thank you so much!

[@Realfrazzyfraz]

Your troll impressions are life

[@GrahamStephan]

Hahaha thanks man, I've seen my fair share

[@EUTalks]

I bought a 240K dollars Apartament and spent another 60K to make it nice for my family. What a shame I haven’t seen your video before. I could’ve add another 200K, but a land, build an apartment building, make the top apartment my own and profit from the land or sales....Huge mistake

[@chavezunseen]

Daniel Dan live and learn friend, live to try again another day.

[@codystephenson3607]

this guys kids are going to be so blessed

[@danan9061]

Nah theyll probably be super wasteful

[@asimpleman8031]

@@danan9061 Graham would not let that be

[@justinc2633]

Dana N let me guess, it’s because all rich kids are spoiled brats?

[@mrepicairfryerenthusiast4982]

@@justinc2633 guy lives like he's almost on the streets, yet the children remain spoiled?

[@justinc2633]

@@mrepicairfryerenthusiast4982 i was asking that sarcastically... did you even read what i was replying to?

[@AmazingJunkie]

Hey Graham I love your videos, IF you could talk about options for young adults looking to househack with limited finances? Maybe options like apartments, lofts, etc.

[@user-kj2gf1cn1p]

do another video on house hacking!! love the real estate videos. being new to the space, your information is incredibly valuable. thank you!

[@juancarley6912]

Your jokes have improved very much over the years 😂

[@JackWagonRL]

You should have a meet and greet sometime in LA, I'm sure a lot of people (including me) would show up. If you're not too busy of course.

[@GrahamStephan]

This is definitely something I'll do. I've done a few smaller ones before that I've announced on Instagram/Snapchat, feel free to add me on there and I'll announce one. Just hard to figure out a time to confirm where I know I'll be free.

[@alexbob5209]

Graham Stephan Come up here to San Francisco !!

[@dylanmusgrave3657]

Harrison C I would fly to LA just for that opportunity!

[@juanbonilla1006]

Stephan, I love your channel and you are an inspiration. I have about $80,000 cash right now and I kind of want to follow in your footsteps. My question is how do you find contractors if you want to make changes, fix or upgrade to the plumbing or electricity of a home, that are trustworthy and for a good price?

[@GrahamStephan]

Thanks man! Good question...for me, it's been word of mouth. And even now, I've yet to find something I could use for all jobs that I fully trust. I'm still trying to find that. But the best way to avoid getting ripped off is get multiple bids for everything. Meet with 3 contractors. And inspect the job as it goes along. The more you do this, the more you'll learn, the better you'll get. Bring on someone else to help you if you need to, plenty of networking groups out there and I've seen so many people in RE helping each other out!

[@juanbonilla1006]

Dude you're awesome, thanks for answering so quickly and honestly!

[@brandongrennan7602]

Oh snap Graham brought the guns out lol. Love the guidance here. Man I've never heard any real estate agents break numbers down like you, it's crazy. Thanks a ton!

[@GrahamStephan]

You got it man! Glad it’s helpful!

[@casparandechs4758]

He's like 5'5

[@chrismartinez2698]

Graham your so honest and direct. You are a professional teacher. Unlike other, Most people, are so hype and loud. But your video are so well said and organized 😊

[@JeandrePetzer]

Next video: How i saved $200 by firing my gardener

[@KingAdam84]

Don’t care

[@ItsSupercat94]

@@KingAdam84 shut up

[@miketheromansoldier7009]

100K SUBS!!!!! Congrats Graham

[@GrahamStephan]

Thanks so much dude! Video coming out tomorrow on it!

[@robertsviksna355]

Can you talk about your education, studies, how long it took you to finish a degree, any student loan? Because that can be big disadvantage in real estate career.

[@midkort]

Graham did not go to college and he had no student loans. What he did though was to work hard and stay focused. He describes how he got started in one of his earlier videos.

[@gvaidya1]

Graham, this is exactly what I want to do. Live for free so I’m not a wage slave. But can you do a risk analysis of owning so many rental properties? This is the only fear I have which is stopping me from committing fully to the plan.

[@ElPionero447]

I like this idea very much and I am thinking about doing this. But I have a big quiestion which I appreciate if you can answer. I live in Europe so some of the laws might be diffrent. But if you buy a duplex, that means that you are buying two properties. The reason for that is that each property has its own title deeds. Which means that you are buying two sepparatly properties. And if this is house hacking, it really doesnt make sense. Because if you are going to buy two different property, rent out one of them, to pay down the mortgage, you an easliy just buy two different apartments and do the same. Another quiestion is, how can you find a duplex, threeplex or fourplex for sale? Who is selling all of the properties at the same time?

[@JohnDiDough]

LIKE SQUAD ON!

[@GrahamStephan]

THANK YOU SO MUCH FOR THE SUPPORT!

[@appmania2180]

9:56 was definitely the best part of the video! Liked!

[@TheFaka12]

Hi Graham! I've been watching your videos since the start of last year😁. I wanted to go study, but took a gap year to work on private yachts in France🌎🛥️. Saved over $15k in 6 months, while traveling the world. Just bought my first apartment in Cape Town and renting it out on airbnb and making $2.5k a month and I'm only 19. Stil not sure if I want to go study😂 Just wanted to give a huge tnx for all your help and insight! ✌️

[@GrahamStephan]

Wow amazing work man!! Keep it up!

[@HonestFinance]

Just added you to my featured channels. You don't have a custom channel url. You need to update that to make it official. (not that you aren't official)

[@GrahamStephan]

I have a custom URL! Is kzbin.info

[@HonestFinance]

Good. Don’t know why it pulled the old one then.

[@bonedyone]

5:33 "then i saved the best for last.." TAI LOPEZ AD POPS UP!! LMFAO. Good video. 👍

[@GrahamStephan]

hahaha, no video is complete without that knawledge!

[@arsenalfan13]

Almost at 100k, man. 👊

[@GrahamStephan]

Can’t wait!

[@edventures9884]

Graham has been working out, huh? Showing off the biceps 😂👌

[@GrahamStephan]

Next video: Tank Top

[@MrClarkisgod]

Net tank top and a thong speedo

[@GrahamStephan]

Go full Borat Style

[@markschmitz4620]

this is exactly how I plan to live, once I graduate and start working

[@GrahamStephan]

Awesome!

[@KaitouKaiju]

Do you think something like this is possible in Seattle? The housing market is all kinds of fucked and I feel like it is such a risk.

[@deannaarmijo3652]

theirs money go get it its everywhere find passion passion will pay you love the vidio

[@nemander8273]

ALMOST THERE GRAHAM!!!

[@GrahamStephan]

WAITING

[@checkeredflagfilms]

4:54 looks like a nightmare and why I moved out of LA years ago!

[@demisemedia]

I LOVE the advice you give about keeping track of your expenses & cutting back! 5 years ago I was an absolute MESS Graham. Bouncing from job to job with no clear direction. I'd spend all my paychecks on booze, cigarettes, random things at stores like Target, Walmart, etc. My mind was in a very dark place, i truly believed money was "evil". Pathetic!! Haha! Now, i'm on a mission to build wealth! I quit smoking cold turkey, cut back on the booze, SAVE my money & invest into my side businesses & passion! Fellow drummer here!! Thank you for everything Graham!!

[@GrahamStephan]

Well done man! Great work so far! Booze is one of those insane money traps...I'd much rather buy it at the store and pre-game than drop $14 on a drink at some wack bar/club.

[@demisemedia]

Exactly Graham! Not only would i waste $60 at a shitty dive bar or club, but i'd go buy a 6er or a 12 pack afterwards! That's all in the past though, it's time to stay focused & invest properly!! Thanks again ;)

[@TheJimmie9000]

I just did this in Texas. I bought a lot that has a 3 bed one bath and a 2 bed one bath on the property. I qualified for a grant that payed for my down payment. I bought the property for 100k with 0 of my own money down and instantly nullified all of my living expenses by renting out the bigger house and living in the smaller one.

[@ValenciaBritt]

How did it go?

[@brandonknable7890]

What were the requirements

[@olympias1528]

Graham been going to the gym geeeeeeeezz

[@GrahamStephan]

Gotta get dem GAINZ

[@SHIVANKARTIWARI]

This is truly awesome from your end Graham... I just love your videos and the way you take us into your detailed journey, it's absolutely amazing...!!! Hats off to you... Seriously...

[@realpetrovsky]

HI Graham, can you do a video on FHA Loans and whether or not you believe they are worth it or not??? I would love to hear your thoughts on it.

[@ytlife9773]

It's soooooo hard to get started in real estate, so much more information and needed money 😭 I think I need to save up and be perfectly normal when I attend school. Is online or in class school better? I'm a neutral guy so I don't really care where, online is just cheaper lol

[@ryanmichaelpower]

Graham's hair looks so much better now. My guy must have started using something.

[@theopmasterog-_-230]

Best question I have. Do you leave all of ur money in ur bank account. Should u have multiple? How do u handle ur wealth?

[@nemander8273]

Happy 100k!!

[@GrahamStephan]

Thanks so much Daniel!

[@HonestFinance]

Good advice. Thanks

[@GrahamStephan]

Thanks for watching!

[@ktwilson861]

You were at 666 likes so i had to get rid of that. Like the vid!

[@GrahamStephan]

hahaha thanks man!

[@TheMonkWay]

Haha CONGRATULATIONS! A milestone reached, happy for you!

[@GrahamStephan]

Thank you so much!! Video gonna be posted on Monday!

[@thezenergy9543]

I think you are going to be the next kiyosaki! Great jobbbb! - Zhen

[@GrahamStephan]

Thanks so much!

[@getthrusted9263]

My inner internet troll screaming: But Graham being near downtown LA sucks. Haha

[@GrahamStephan]

HAHAHA...BUT IT'S GETTING BETTER!! ;)

[@markben53728]

That metal table must be uncomfortable should

[@chessie459]

hi Graham, should I save up the downpayment or pay the downpayment on a monthly basis for 24 months? lets say the DP is 240k

[@LoganMcNay]

*NOTES* HOUSE HACKING As an over exaggeration, if you can save up for the down payment, you can live there for free essentially. Buy a house, renovate it, refinance it as an owner occupant for a lower rate than if it were an investment property, which lowers the debt to income ratio, that way you can qualify for a more expensive property on your next house. NUMBERS BREAKDOWN: TOTAL COST: 3,100 MORTGAGE: 2,200 PROPERTY TAX: 585/ MO INSURANCE: 120 / MO MISC: 200 / MO ADDING UP AGAIN TO: *3,100* AFTER RENTAL UNIT: 1,550 EQUITY GAIN: +800 / MO MORTGAGE INTEREST: +400 / MO PROPERTY TAX WRITE OFF: +80 / MO HIS DETACHED STUDIO FOR MAKING VIDEOS IN,Write off the space: +300 / MO *TOTAL: FREE* AFTER EQUITY & TAX WRITE OFFS, *HE COMES OUT AHEAD $1,200 A MONTH* Additional Notes: House Hacking is easier everywhere over LA and NYC because of the high down payment You do need to have a down payment saved up. So you need a different job set up first, this stuff takes years to do, it's not something you can do in a day. Once you start doing the BRRR method, Buy, rent, renovate, repeat, and start churning out properties, you can get your passive income set up

[@skullcrusher76gaming]

Is this a good 1st investment? Like if I save up till I'm 21 to do this , and start my adult life doing this ?

[@chavezunseen]

Only if you want to up your chances of becoming financially independent, of course there are other ways of going about it. But I would say this is one of few very straight forward ways to go about it, plus you add another source of income to your bag of tricks. Granted you want to create as many sources of income that’s the main goal.

[@dylanj.tettemer6143]

I LOVE the house hacking concept. I can't believe more people don't do this little trick. You can build such an awesome portfolio by buying multi-family homes and living in it then moving onto the next one.

[@Rosalieburke]

I can understand why most people don’t do this simply because buying a multi family unit is really expensive! I live in Denver and tbh I have a solid income but I don’t think I would qualify for one simply because it’ll be too much. My goal is to find a duplex I barely qualify for likely. It’ll be hard esp for someone who’s single

[@williamortiz2581]

I have an opportunity to purchase the two unit duplex i live in for $45,000. the monthly mortgage on the home would be $510. The home would come with a tenant pay $650 a month. would it be smart to purchase this home while i'm saving to buy the home i would like to live in?

[@BrandonRohe]

Graham, do you have any less known tips for building an investment portfolio with less income? I just bought my first property from auction. I feel like I know a lot of the basics especially since I also work for a property management company.

[@Thad7507]

Brandon Rohe in a similar situation here I know a good amount about how houses are built cuz of working hvac

[@GrahamStephan]

Hey Brandon, congrats on buying your first property! Auctions can be great, as is finding a property in foreclosure, short sale, etc. at the right price. I'd keep doing what you're doing, putting as little money down, spending the remaining, building up some equity, then pulling it out to use on the next project. Slow and steady!

[@TeoGPoker]

Dinosaur skulls, expensive lamps, a little cactus, name tags, don't forget a desk that turns into a BUNKER ...in case you need protection from a tenant. .....you're the biggest spender on KZbin, we all know that!

[@oleggeraschenko4932]

Graham has affiliate links to all his studio decor and equipment - he makes a ton of money on KZbin

[@rednola9892]

Graham, I'm a bit confused. If you write off $400 of interest expense doesn't that just mean you just don't pay tax on income you would be claiming as income? so if your tax rate is 50% you just save $200....

[@eman5280]

I don’t think I would want to live next to my tenants. Some would always be complaining about something. Some people are never happy.

[@Dbf1339]

It's a sacrifice to get ahead

[@damonstrembiski2409]

Do you have any updated videos on this, maybe Canadian version too :/

[@DNOJ]

Oh how we’ve grown

[@mirianmercado7]

Great advice! Love it thank you

[@GrahamStephan]

Thanks so much Mirian!

[@InvestorCenter]

Throwback to when Graham had less than 100k subscribers

[@rafaelrod6109]

Living for free is working for the apartment business management and stay in their property for free.

[@Dbf1339]

Not really those hours aren't free if you could be making more money and you're taking a loss per hour

[@AppleCrider]

This is one of my biggest goals for the future! Thanks for sharing how exactly you can live for free! Can't wait to see you hit 100k subs! -Financial Freedom For Millennials Channel Subscriber Goal 120/250

[@GrahamStephan]

Thanks so much for watching!

[@AppleCrider]

Looking forward to more house hacking videos!

[@kanyeeast42033]

i use my neighours wifi, is this house hacking ?

[@marcusramsey7247]

Great video! I love how you've been adding the clips, and memes haha, really entertaining.

[@GrahamStephan]

Thanks man! Slowly integrating a little more personality in these, was afraid they'd be too bland without it !

[@archsimmusic]

agreed. Tickles me every time

[@alexbob5209]

Graham Stephan You did this back when you had like 5k subs but then you stop. Glad that you're back being you !!

[@vincenzoconstantine1061]

Respect! 'Nuff said.

[@GrahamStephan]

Thanks!

[@troymason4799]

what about buying foreclosures cash from the courthouse then flipping the properties. Yes i know about the fact that you have to do lien searches, so what! It could prob be profitable

[@tristancota4871]

Nice graham!

[@GrahamStephan]

Yo! Thanks Tristan!

[@brickstunram9391]

Hey graham. How often were you working before you got to where you are now? Like what did you schedule look like ?

[@GrahamStephan]

I worked a LOT. The first 5 years were pretty busy. I'd say a solid 6 days per week, open houses every single Sunday, and working about 8-10 hours per day. BUT, it never really felt like work and I had a lot of fun, so it didn't seem too much.

[@NSCeo]

Thank you.

[@Andrew-zm1zb]

“Without traffic” 😂

[@GrahamStephan]

#truth

[@renanuneza8932]

Can you provide the timeline of the time u bought the house to when u refinance it to purchase another property?

[@GrahamStephan]

Timeline is about 6-8 months to refinance. And up to a full year to find another!

[@renanuneza8932]

Graham Stephan if you don’t mind. How much was that Multifamily u bought in LA? Been considering whether do house hacking or purchasing turnkey real estate property out of state as my first purchase. Any suggestion? Thanks!

[@valcanton1726]

ty Graham

[@candyluna2929]

This is what I'mma do!!!

[@sunamkevinjang4615]

You may be asked this a lot but what is the minimum average investment capital needed to get that first ever rental property?

[@matthewspiers8205]

Hey Graham, maybe I caught on to your channel from your BP episode. Maybe I missed it but do you just stick to duplexes? And why?

[@LMCEK]

Lol. Why is everyone who disagrees with or questions your strategies an "internet troll"?🤔 People watch these kinds of videos to learn and sometimes we need to question new information to make sure it makes sense to us based on our own previous knowledge and lived experience. Who cares about the "trolls" anyway? You're obviously doing great financially and don't need to justify your decisions 💙

[@pierremichelestival]

Morning. Is it better to put only 20% down payment (and not 40% for example, if you can afford it) and invest the difference? I feel that with a 30 years loan it is better. Am I correct? Also ;) 15 min from the beach and 7 min from downtown... Park Mesa Heights?

[@armanilynch1984]

50 views graham since 500 subs!

[@GrahamStephan]

Thanks so much for all the support dude! We've come a long way!

[@2phalanges]

you are the lord of the land. true baller.

[@tdematos]

That dinosaur skull has since, followed you...

[@hanaz1023]

Do you have to be in real estate to house hack? Or can you do it while having, say, a teaching job or something?

[@Johnhen95]

anyone can be a real estate investor, anyone can own a rental? you for sure don't have to be in real estate.

[@petrosk1034]

Cutting down your expenses is extremely important as you said Graham! If you can't do that, you will never achieve financial prosperity. I really appreciate all the details that you give us and I collect as much information as I can. Greetings from Greece!

[@pablovaldivia420]

Yo those inserts are hilarious man haha. Good video tho, keep em coming. Learn a lot from your videos!

[@GrahamStephan]

THANKS MAN! Glad you enjoyed them, definitely wanna put more of that style in upcoming videos!

[@forrestevans8036]

So does it make more sense to outright buy (I have the cash) a duplex and then rent out one side? Or should I get a mortgage from a bank and use the money I receive renting out one side to pay off the mortgage? It seems like using debt is the better option.

[@drunkenmunky890]

I plan to house hack one day with a duplex. I will put the other unit up for rent, and make a game out of it. Seeing how long before the tenant realizes I'm their neighbor!

[@TayJay3x]

That’s exactly what I would like to do! Man man man!! Goals 2018

[@GrahamStephan]

It's awesome, highly recommend it!

[@QTO4492]

lol loving the movie cut scenes

[@GrahamStephan]

Glad you enjoy it! Having fun putting those in there, haha

[@Sublimegameplays]

Yessss im so glad subway has 5 dollar footlongs again!

[@GrahamStephan]

I was devastated when they discontinued it. Now I'll be going back to Subway way more often ;)

[@juliocastillo8472]

Long time lurker I am about to buy my 1st home 🏡

[@GrahamStephan]

Congrats!!

[@Kai-iq2ps]

Very unique way of thinking on the cutting back on "taxes" (the coffee example) when saving money. Never thought of it that way.

[@GrahamStephan]

Once you see it 😱

[@bradypowell8770]

$7!!! Lets not get crazy

[@charlesellis1097]

I bet you killed it at monopoly... If you don't mind answering, how much do you generally set aside for issues such as appliance breaking, heat pump/AC stops working, etc per rental property? (Edit: Now that I think about it, I guess you don't have heat in LA...)

[@GrahamStephan]

It's been way too long since I've played monopoly! I usually just keep a few grand per property sitting in a checking account for random automatic payments, bills, etc. If something is ever more than that, I'll just pull it from a personal account, although I've yet to do that!

[@charlesellis1097]

Graham Stephan If I'm ever in LA I'll play you! Thanks for all the great advice.