How To Build Wealth With $0 - The Easy Way

Let's discuss how to build wealth with no money, the best ways to make passive income, and how to grow your investments to $500,000 - the amount most Americans say they would need to feel financially secure. Enjoy! Add me on Instagram: GPStephan
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1. BE CAREFUL WHO YOU LISTEN TO.
The fact is, if you REALLY want to build your wealth…you NEED to go against the grain and do what most people are NOT doing, and that includes listening to people who are where you want to be.
2. YOU NEED TO START MAKING MONEY
Most likely, IF your goal is to try to build up your wealth as FAST as possible…you aren’t going to get there through a traditional job. Instead, pick a career or a business that ISN’T dependent on how many hours you work, but on the results you achieve. If you ignore the rest of the video and just focus on ONE thing, let it be this - because, it’s important.
3. GET IN THE HABIT OF INVESTING EVERYTHING IMMEDIATELY.
If you want to build your wealth, the reality is that - the longer you wait to start INVESTING - the more difficult it’s going to be….because, the more time you allow for your money to grow, the more money you’ll eventually have.
4. CREATE MULTIPLE STREAMS OF INCOME.
The average millionaire has more than 3 income sources - and, generally, the most income sources you have, the more money you're likely to make. This could include dividend income, capital gains, interest income, rental income, royalty income, earned income, or money generated from a side hustle.
5. MINIMIZE YOUR SPENDING
It’s said that the average American spends $18,000 per year on non-essential items…and this is something nearly EVERYONE can start cutting back on, immediately.
6. AVOID LIFESTYLE INFLATION.
The only way to overcome this is if you make more money, keep your expenses the same - don’t change a SINGLE thing - and invest the difference immediately. If you’re earning $40,000 and get a raise to $60,000…great, now you save another $20,000.
By doing all of this - growing your wealth from nothing to $500,000 in less than 10 years is entirely possible, even without a crazy high starting income….but - it will require a lot of work, sacrifice, and discipline to stay consistent…it means you’ll have to cut back as often as possible, and otherwise live like you’re constantly broke…BUT, AFTER those 10 years…you’ll have the financial security that most people DREAM ABOUT…and those habits are likely to continue forward to build an even greater future.
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*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. This is not investment advice. Public Offer valid for U.S. residents 18+ and subject to account approval. There may be other fees associated with trading. See Public.com/disclosures/

[@TastingHistory]

Oh good! I already have $0! First step accomplished.

[@TheIcedCoffeeHour]

:D woohoo!

[@jackbar2476]

😂

[@GrahamStephan]

awesome!

[@angrygrubhub506]

Noice

[@frankyfeson1781]

You absolute troll

[@martinbelanger9963]

People still make videos about zero to a hundred riches.. that thinking is the only way to slow yourself down.. to make money, you have to invest wisely

[@stephmeldrich6765]

very true, people dont realize how much money is being made day to day on the internet... I do not even bother explaining it anymore

[@collinsnorman473]

It is because you must accept that you cannot accomplish everything on your own. When you do not practice division of labor, it is referred to as greed.I made a million dollars trading stocks last year with expert advice, paid the commission since I am not greedy, and the rest was history. Quite easy if you are informed

[@JamesF.Brennan]

I've been thinking about going that route. I have a lot of stocks that I have maintained, but they are beginning to lose value, so I'm not sure if I should hold onto them or sell them. I feel hiring your investment coach would make it easier to restructure my portfolio.

[@collinsnorman473]

sure! I work with Mrs Emily Lois Parker and you can lookher up as she is famous in the US

[@JamesF.Brennan]

thanks for tip, Just looked her up, she seems amazing and I am looking forward to working with her

[@MIchaelGuzman737]

There are lots of mixed opinions about stocks and there projection in the next coming years, I aim for short term solid gains from market correction and I'd definitely jump on the boat if I knew a thing or two about day-trading, but then again what do I really know? I'm just looking for the right moves to grow and hedge my stagnant reserve of $370k from inflation.

[@greekbarrios]

Time in the market beats market timing. Some people think they can view investing as a get-rich-quick scheme, but it doesn't quite work that way. It's a long-term commitment as you can see from kevin's portfolio performance.

[@sommersalt88]

Because of these market uncertainties, I do not base my market judgements and conclusions on rumors and hearsay. I let my emotions get the best of me in 2020, leaving me in an useless position in the market; I had to reorganize my whole portfolio with the help of an advisor before I began to see major results in my portfolio. I'm still working with the same advisor and have made more than $1.5 million in two years. Whether it's a bull or bear market, both create good returns; it just depends on where you look.

[@kashkat987]

@@sommersalt88 Unquestionably, we are only one information away from collecting wealth; I know many people who made their fortunes from the Dotcom and 2008 crashes, and I have examined similar prospects in this present market; might this person who helps you assist you?

[@sommersalt88]

My advisor "LISA ELLEN SHAW" is highly qualified and experienced in the financial market. She has extensive knowledge of portfolio diversification as a bear market buffer and is considered an expert in that field. I recommend doing further research on her references. She has many years of experience and is a valuable resource for anyone looking to navigate the financial market profitably.

[@kashkat987]

@@sommersalt88 This is useful information; I copied her whole name and pasted it into my browser; her website appeared immediately, and her qualifications are excellent; thank you for sharing.

[@michealwrubell4302]

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

[@lipglosskitten2610]

Investing in stocks is a good idea, a good trading system would puts you through many days of success.

[@Walter_hill_]

I agree, reason I have all my invt-decisions ran through a coach on a daily-basis, it’s been 3years and counting and I’ve grown over $2million in gains, my coach's-analysis so far has steered me off losses and troubled waters and guided me make the most off major-breakthroughs in the mrkt, and esp. in this downtrend, her safe haven asset- trading, short-selling, ETF shorting skill-set are very essential.

[@lipglosskitten2610]

@Dan Brooks Big Credits to 'Christine Jane Mclean she has a web presence, so you can simply search for, there are some others but it might be difficult to get them, but Christine as been a good guide through the year.

[@BGB770]

1:21 Be careful to who you listen to 2:03 Earning money 3:54 Investing immediately 6:35 Create multiple source of income - earned income 7:08 - dividend income 7:23 - capital gains 7:59 - interest income 8:22 - rental income 8:38 - Side hustle 9:25 10:07 Goal 500k 13:25 lifestyle inflation

[@cosminvalentinionita5743]

I appreciate you.

[@rosehill9537]

Thank you!

[@SRTrollinz]

Thank you!

[@tahjier.1207]

Love this thank you!

[@vesh]

i've learned more financial advice from Graham than from 12 years of school 😅

[@GregMurphyCanFixIt]

That's because it isn't taught in school. 👍

[@junaidali6425]

C'mon evil from minecraft to this You are as free as i am

[@bluesulffer9675]

why is evil here lol

[@TheAlex3061]

First time I’ve ever seen you comment on a video, are you new ?

[@lotto5742]

They don't teach you finance in school. So the jokes on you.

[@kelvinjohnson4]

Making money is not the same as keeping it there is a reason why investments aren't well taught in schools, the examples you gave are well stationed, the market crisis gave me my first millions, people shy away from hard times, I embrace them.. well at least my advisor does lol.

[@Karagoldberg7]

Investors should be cautious about their exposure and be wary of new buys, especially during inflation. Such high yields in this recession is only possible under the supervision of a professional or trusted advisor

[@adakkristinn]

Not at all, having monitored edge my portfolio performance which has made a jaw dropping $780k from just the past two quarters alone, I have learned why experienced traders make enormous returns from the seemingly unknown market. I must say it's the boldest decision I've taken since recently.

[@LionTowercoporation]

@@adakkristinn Do you mind connecting me to your advisor please. I desperately need one to diversified my portfolio.

[@adakkristinn]

@@LionTowercoporation Colleen Janie Towe” is her name, you can search her up for her info

[@LionTowercoporation]

@@adakkristinn Thanks for this tip. Her website popped up on the first page immediately I searched her on google web, I read through his resume and it seems pretty tight. So, I dropped a message & hopefully she replies soon.

[@andrewcleverly1322]

When you invest, you are buying a day that you don't have to work. I pray everyone reading this becomes successful.

[@andrewcleverly1322]

@John Alfred you can reach out to him now on FB 👇

[@andrewcleverly1322]

@John Alfred Mark J. Ramsey

[@site_is_down]

Long-term thinking or mindset gets us to long-term results. Do consistently investing and see how you have saved yourself from financial crisis.

[@thewinner4319]

Amen🙏, thank you, and you too BATMAN says!😊

[@jporpmer]

@John Alfred shib .Shibarium will be released soon... don't sleep

[@oliviaralston1]

Successful people don't become that way overnight. What most people see at a glance wealth, a great career, purpose is the result of hard work and hustle over time. I pray that anyone who reads this will be successful in life

[@vivandrel7530]

You are right, to be a successful person in life require him or her of hard work and time

[@geralyncainglet2626]

The thing about been successful is working toward it and not going the other way round

[@clydeorlan2615]

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

[@hauwaahmad9606]

It's obvious everyone is doing this online Investment

[@prince2405]

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

[@raaviusa]

My takeaway: Pick a career or business that's not depend on how many hours you work This well aligns with Jim Roh's saying “You don't get paid for the hour. You get paid for the value you bring to the hour.”

[@RGE_Music]

Any careers you recommend?

[@dorg9502]

@@RGE_Music Writer

[@Skoal36]

@@RGE_Music strippers an cocaine.

[@l.c.6321]

im not smart. so any suggestions for me? 😂

[@ww-ue7nj]

Some jobs in Wall Street

[@josephblake9422]

Well I earned $ 1250 through James, had doubts but glad I gave it a shot

[@josephblake9422]

Oh can what’zapp

[@josephblake9422]

Or text

[@josephblake9422]

+1

[@josephblake9422]

470

[@josephblake9422]

645

[@ivyhatsune18]

Loved loved loved this video!!! Thank you so much Graham!! SO Helpful having everything you mentioned summarized in a visual style! As someone with Synesthesia and ADHD I appreciate you!

[@Dave_of_Mordor]

Is synesthesia a bad thing?

[@crishernandez6224]

I’m 19 and I’m spending my time listening to this guy that I stumbled upon on randomly one day and I don’t regret it.

[@grahamfan]

That is time well spent. 👍

[@purescum9002]

You are at a massive advantage

[@hellorune2425]

Awesome! Wish I would of listened to this guy and a few others at 19

[@christiancummings3263]

Im 14 and im listening

[@wufyxd7214]

16

[@damian7223]

average young guy: spends 2000$ per year on coffee graham: invest the money business idea: start a coffee shop 😘

[@Rhyd]

Or better yet set up a catering trailer selling fresh cups of bankroll coffee. Call it the Bank Vault 😂

[@Kirtoisplayz]

@@Rhyd LMAO that would be perfect!

[@JerEditz]

It works. Just do the work in finding good coffee in some far off forest and business will go to the moon.

[@elonmusk8461]

Nikola stock is the best before it skyrockets on Friday

[@kinilas]

Dang what young guy has that much money to spend on coffee?

[@stephmeldrich6765]

I’m saving and investing around 70 percent of my income in the financial market(high yield etfs, stocks, coins, gold etc) pretty much how I made my first million although with an FA. I have a high paying job, and I live upstate NYC. my expenses are low. I have zero debt, low rent and car paid off. So i can just save. feel lucky at this point I'm actually grateful for Lisa Rosa Cavanagh handling my portfolio, she's the only person i know that's richer than me hahah!!!

[@larryronhartfield55]

That’s some good values. sounds like you got something going for you

[@meredithelbert6608]

I did read about Lisa Rosa Cavanagh on the web., quite a great bio she has

[@graydonrobson7471]

To live a life that most won’t you must do more that what most will. A quote that I remember when grinding and not seeing instant results

[@josegasperin4236]

I been following his advice and I was making 18k a year now I’m up to 180k a year and growing as long as you follow and make smart choices it definitely helps

[@hansalvarado4286]

are you making a million and 800K now?

[@grqfes]

@@hansalvarado4286 no, hes past that at a billion and 800 million. he just made smart choices and didnt buy coffee.

[@OliverFoote]

I recommend only watching Graham's Videos, and spending the rest of the evening making your own

[@joesphcu8975]

Honestly, I'm unsure if investing is a wise move right now. Take note of how frequently things fail. As I still have some time before I retire, I'm still looking for a better strategy to invest my money despite reading charts and predictions from well-known investors from the past and present. In order to generate passive income, I want to build a solid and reliable portfolio.

[@alexyoung3126]

The outstanding catch-up measures currently in place are unquestionably due to the Fed, as they were first too sluggish to contain inflation. The epidemic, supply-chain concerns, and the situation in Ukraine are all factors in the looming perfect storm of inflation. Not to mention the sharp increase in housing expenses, another factor that makes it challenging for the Fed to control inflation. To sum up, if you have the cash, get rid of it right away to benefit from the high savings rate.

[@lawerencemiller9720]

The issue is this! Individuals with little to no experience in the stock market commonly try to buy on their own. Prior to acting appropriately and getting in touch with financial advisor Eileen Ruth Sparks in the US, I had the notion, but things have changed since then. I began seeing incredible returns on my investment.

[@kimyoung8414]

Although this is impressive, my portfolio is in such horrible shape that I definitely need their aid. Tell me how I can get in touch with her, please.

[@lawerencemiller9720]

Check up on Eileen; in 2020, she attracted a lot of attention. I'm not sure whether I have permission to say anything, but... okay. She acts as my mentor and manages my portfolio.

[@matthewmurcia9823]

Very recently turned 18, you have helped massively gain a perspective on what to do. Positivity has really made me change my overall mindset. More doing less talking.

[@site_is_down]

You're now at the right age to start creating a future where you don't have to worry about your finances. Do something that your future self will thank you for. See you around!

[@RM-ti2bv]

Don't squander it, you got the advice, make a plan. I didn't. Now I'm stressing at 30. Don't be me lol please

[@setsuna7618]

I teared up. This is amazing and I need more of this video type. Ty Graham

[@smartcookiefinance]

Watched this twice! Graham’s recommendations: -Listen to people who are where you want to be -Work a job that pays on results not on hours (ex. sales) -Switch jobs to earn more -Start a business -Invest immediately (maximize time in market) -Open Roth IRA -Save as much as possible as soon as possible (ideally more than 10% of income) -Create multiple sources of income (millionaires have 3+ sources of income) -Common sources of income: Salary, Dividends, Capital Gains, Interest Income, Rental Income, Side Hustle -Don’t increase your expenses when you increase your earnings

[@israelink]

you missed a very important one: work so much that you don't have any time to spend your money

[@successwithstacee9290]

Just work so much you don't have time to spend money. Yep that's probably my favorite one.

[@erickgarciacosta]

Probably the best video I've watched talking about this subject!

[@JoshuaDuke]

We are debt free except for our house. Incomes increasing, expenses decreasing, investments growing. Life is good. $5 and ebay replaced my wifes income. Waking up at 5am to youtube and just hit 600 Subs! Pretty pumped at how things are going. Listen to graham and do the things.

[@howtoadultschool]

Congrats on the 600 subs! Sounds like you're on a great track :).

[@victorreynaga1805]

When my friends got their stimulus checks a couple months ago...they bought new phones or other electronics...I put my whole check into the stock market and already doubled it ... I'm glad made the correct decision

[@richardrose7382]

Now, how does a retiree manage to do this? When I was working and setting up my retirement plan, $30,000 seemed like a lot of money. Two divorces, two careers and a heart attack later, I’m finding this amount of money doesn’t cover expenses very well. So starting from $0 is appealing to me!

[@rameenamoore2337]

“What’s up, Graham! It’s guys here!” 😂 Am I the only one who caught that?

[@SPNSX]

No I caught that too lol

[@glamdawling]

Love when he says that. Cracks me up every time.

[@CierraSalleyHinds]

I though that's what he said 😂

[@devindoyerofficial]

ahahah i was so confused thought i was hearing things aha

[@raygauthier2238]

To "Canadianize" it a bit... The Roth IRA is equivalent to the Tax-Free Savings account (which should be called the Tax-Free Investment Account -- but that's another story) and the 401K 's Canadian equivalent is the RRSP.

[@howtoadultschool]

Good contribution, this is super helpful for all us fellow canadians! There are so many american finance channels, it's good to see the canadian version of the information. :)

[@caraRL]

And to "Quebecianize" it a bit in french.. the TFSA is "Compte d'épargne libre d'impôt" (CÉLI) and the RRSP is "Regime enregistré d'épargne-retraite" (REÉR)

[@shaneryan5624]

Is their a Roth IrA equivalent in Ireland?

[@raygauthier2238]

@@caraRL Merci mon ami. J’aurais dû y penser.

[@cy6434]

Oohh thanks for this

[@TheItrucker]

I earned my money the old fashioned way...I inherited it all

[@andretran851]

The true way 😌

[@luxurybuzz3681]

But how did your ancestors get the money that you inherited? They made that money

[@LasTCursE69]

@@luxurybuzz3681 Or stole it..

[@Foodfreal]

@@luxurybuzz3681 nah they also inherited it

[@AidenYuso]

@@frankdonnie3713 shut up

[@dustinneff6517]

I love you videos and content keep up the amazing work I truly listen to you and utilize your advice

[@TheGreatWasian_]

I love that this advice is very practical and not over the top or unrealistic

[@Sevenaitken]

“What’s up graham is guys here” 0:01

[@TheIcedCoffeeHour]

WOW! This is incredible work graham. I really needed this video right now, thanks!!! SUBBED!

[@DGBAntho]

Wow Jack your studio tour was amazing at the end 😉

[@chrisklupenger4999]

Hi jack!!

[@GrahamStephan]

WOW THE NEW STUDIO SET IS INCREDIBLE!

[@manak2667]

@@GrahamStephan Graham u gonna make a video on techleads recent scam coin? could be a banger

[@nintendoknight1808]

Took the words right out of my mouth!

[@topshelve788]

Thank you Graham, your knowledge is priceless.

[@alexpetrescu8917]

We are wired, since childhood, to think if we do our thing well (study, work etc.) everything will go well, we will get a career, we will be paid more and more, we will be able to afford more and more, live a comfortable life and we should not worry about anything. Then life happens.

[@mrg861]

The plugs are more and more seemless😂🔥I love it

[@Simple_Improvements]

Rewatched today. This video is so well put together, keep it up! 🔥

[@thebezierguy]

It's amazing to find so much value inside a 15 min video...

[@mattbowyer6211]

Graham: “What do you do between 6pm and midnight?” Me: “SMASHING the like button on this video” 😂

[@mitchellquartero]

😆

[@Sky-Child]

It takes you SIX HOURS to smash the like button?! 🤣 I jk.

[@swirlandtwirl5417]

Lols

[@ibssawega7182]

@@frankdonnie3713 How?

[@ibssawega7182]

@@frankdonnie3713 what?

[@bryceabel7651]

Graham can you do an updated “how to build wealth as a teen” ?

[@juanmata929]

This is by far one of your best videos. 🙌

[@Surfbogie07]

Happy to say, after years of struggling and watching videos from people like you. And changing my mindset, my wife and I finally cleared a net value of over a million. Still work to do, but I have started asking myself, is this an asset or a liability? I would love to get land for us to retire on, but it makes more sense for us to buy a lake house that we can air bnb out half the year on a lake that has an average of 63% occupancy. So thank you Graham, thanks to you and people like you I have come a long ways. And I am on my way to my long term goal. Keep sharing this stuff, we all appreciate it.

[@dalenschnayer4047]

Amazing video graham I love your input on everything. You are such a good motivator.

[@YakMotley]

This is so true! That is what I did. I saved 90 percent of my income then invested it in Real Estate.

[@drivingcrazy5336]

no rent no foods no car ? how

[@kylesaunders1661]

Prob lived at parents home and mooched

[@YakMotley]

@@kylesaunders1661 Actually I was a Captain in US ARMY, had roommates and drove an old vehicle! Sounds like your mindset is your problem! Good try at being a troll tho!

[@infunerous666]

@@YakMotley that’s the solution go to the army and you can save 90% of income

[@joeleone6276]

This is the best collection of financial info I've ever seen in one place.

[@cpbeauvoir]

Starting on my wealth journey. Currently have no income and several thousands in debt. So excited to come back to this comment in a year and see how I've improved 👏🏿

[@derrickharris7318]

I was 36 with tens of thousands in debt and on the streets now I'm 39 with a 6 figure retirement fund you can do it if you focus

[@cpbeauvoir]

@@derrickharris7318 thanks so much for sharing your story. I'm definitely encouraged and looking forward to building wealth.

[@aprilsparks1111]

You got this!

[@pkjk1255]

@@derrickharris7318 damn that was a pretty quick turnaround. How'd you do it?

[@derrickharris7318]

@@pkjk1255 I'm cheap I don't waste money I don't need fancy or brand new just a roof and a shower humble so I do as required working long hours and side jobs giving more than is required how do I do all that? Jesus is all I can say it's not about me no more I just do what's right. Consistency is the main goal it don't have to be done overnight.

[@tylerjacome6384]

For people wondering about the thumbnail 250 A-day for a whole year is $91000

[@jovelove2115]

Almost there. $40 a day passively

[@nocarbon6301]

@@jovelove2115 how do you make 40 a day passively?

[@Anonymous-ld7je]

@@jovelove2115 That is excellent

[@yungrxco3177]

@@jovelove2115 give me the juice

[@dku1337]

@@jovelove2115 tell us how

[@chasingmypinnacle]

For my bro’s and sisters that have no education outside of high school. Being a financial planner/ advisor is very lucrative. I’m getting into real estate as a broker and that makes serious money especially in Canada where I live. Real estate in combination with my 14+ year financial back ground it will make me a deadly real estate agent

[@thedropoutfarmer3128]

Hahahaha wazzap man are you become deadly today? 🤣

[@imdee9024]

Respect! Just the time that went into a video like this and he always over delivers. REALLY wish there was a South African version of him

[@dannyspranger2193]

bro I freakin love Graham; he puts everything right in your face simply put. He does use quite a bit of clickbait and plays the youtube algorithm game, but he does a ton of research (which he displays,) and he isn't afraid to apologies if he was wrong. thanks for the great videos!

[@spencergrau4608]

I honestly believe that you are doing more genuine good for people on KZbin than at least 95% of material on this site. Seriously. The info you provide and the accessibility of your personality and presentation style is so essential to anyone who wants to know how to get ahead in their life. This information is related to day to day life, work, housing, retirement, and all the things which impact our stability, families, mental health, and futures. Thank you for doing what you do!

[@alexa574]

I just finished listening to the whole video, Wow, this is the best step by step blueprint to build wealth I have seen. They should show this to every teenager out there. So well explained. Best part since this knowledge comes from you, I know my daughter will accept this far easier than if it comes from Mom! Lol, heck I don't mind, as long as this great information sinks in and helps her. Sincerely, thank you Graham for sharing your knowledge with us!

[@tropicalbreeze7508]

Thank goodness I found your channel. Such great information that I am definitely using. Thank you sir, take care till the next video.

[@anthonykennedy9019]

Excellent video grahm really respect you thanks for the help over the years

[@howtoadultschool]

I love how you've figured out how to re-package the same solid information over and over again in new videos with catchy titles and different content, but the messaging about good financial management is the same. It's very cleverly done and I'm sure the repetition of the same values helps a lot of people!

[@kyletaylor3860]

It definitely does, I've heard about a Roth IRA I don't know how many times, but for some reason it resonated more now that I'm revisiting the topic.

[@kingadams7786]

The best advice I can offer is to conduct due diligence on each and every trading system, platform, educational course, account manager, and brokerage firm you are considering. And I'd recommend Mr Sam Deymon and the IQ momentum strategy for anyone who is still trying to find an edge in the market. If you are still losing money then you need this strategy.

[@mycontainergarden]

Thanks for your kind heartfelt message

[@mark18mhcc]

I love your videos man! Thank you for making them. Please continue! It was very informative. I currently left a job and at a crossroad between looking for new job while deciding if I want to lean in and grow my business - side hustle. I have online marketing experience. I'm realizing a lot of things for myself, that I don't necessarily know how to grow a business. I would love to start learning about finances, investing, growing money. Anyway, thanks for all you do!

[@davidrex9592]

I wish this content was around when I was younger. I had a late start at 45 because I was financially stupid now playing catch up

[@seancappel741]

Better that you started now than put it off!

[@jeffreymelton2200]

I really like you. you are 100% real, and that is rare. You dont mind sharing step by step how to be successful, and you dont mind telling the absolut truth, which i appreciate

[@betterXdesign]

Your channel is my happy pill. Thank you for the consistent positivity and good vibes! 💊

[@XavierV37]

Investing is like planting a tree. The best time to plant a tree was 30 years ago. The second best day is today.

[@TheGrahamStephanShow]

thats right!

[@johanlorenzo]

Nailed it! 🎯🎯🎯

[@MichelleMarki]

I like how you put this Xavier 👍

[@ufchighlights1]

The 3rd best day is tomorrow.

[@joangarciacardona3139]

@STUN MUSIC Yes it is highly profitable, I made a good profit of $8,500 with a capital of $1600 on my last trade with her.

[@jc_1338]

I feel like I’ve seen this video 1000000 times now lol

[@Jdizzle455]

Same vid, different title, either way it always motivates me at least lol

[@andreimitrica77]

@@Jdizzle455 thought I was the only one trippin😂

[@Jdizzle455]

@@frankdonnie3713 any askers?

[@ebonyharr]

Great video! Great information! Sharing us caring. Please continue to education and motivate us

[@aboucard93]

Graham I watch a lot of your videos but this one is an absolutely banger

[@ChengHorn9]

Graham can you do a video on side hustles for people who suck at customer service jobs? I've been wanting a side hustle, but can't hold a customer service job to save my life. Thankfully my day job doesn't involve working with people.

[@Takanekoandele]

Hello graham I'm 14 and lately I have gotten very interested in personal finance. Can u make a video on teaching us where and how to invest money? I'm really confused with the market

[@travismartin9322]

Always informative. Thanks for the content!

[@tiffanybaby13]

We could have just listened to our parents or teachers growing up but somehow we ended up with Graham 😂 Finally ready to listen

[@laurenkaran9140]

Building wealth involves developing good habits like regularly putting money away in intervals for solid investments. The stock market has plenty of opportunities to earn which I myself took advantage of.. I made my first million from going diverse, mainly stocks, ETFs, coins and bonds. It’s a long term plan for me so I invest and re-invest

[@mitchsapastein5593]

As a newbie in the financial markets, the volatility scares me so much and I'm curious as to how you were able to make this much returns in such market conditions.

[@laurenkaran9140]

@@mitchsapastein5593 i made my focus on looking at investing from a long term perspective and watching it compound , and my FA basically was my back bone.

[@larryronhartfield55]

Rightly said lauren, most people seek instant income instead of setting long-term plans/goals and following through religiously. Patience is the game

[@mitchsapastein5593]

@@laurenkaran9140 your FA, if you don't mind, can you refer me ?

[@laurenkaran9140]

@@mitchsapastein5593 Susan Kay Mack is her name, search her up for her info

[@stefansoderqvist7783]

0:40 This is starting to sound like South Park. I'm loving it

[@rajib2k5]

I have suffered through this lifestyle inflation thing once... One article that motivated me to avoid it, had a key lesson... Learn how to delay your instant gratification. This will leave plenty of rewards later.

[@accidrainn1334]

I just wanted to say thank you .. We are investing into a company this year for the first time with a Stock ,a cryptocurrency venture & other investments 👍🏻 Thanks for the videos 😊

[@thirtyminutefitness6169]

Gov jobs are commonly overlooked If sales and instability isn’t your thing. Get into a municipality if you’re young and just looking to start out, you can transfer to a higher level state job and your pension time will cary over. Pensions are on a decline but they still exist and some states are generous with them

[@jonnewbury3482]

I second this, especially if you have served in the military or NG. You can buy your time back.

[@GreenJanuary]

That's because they're a joke, hiring process is months long only to be paid well below market value.

[@thirtyminutefitness6169]

@@GreenJanuary is $120,000/yr below market value? Asking for a friend

[@mynamejeb8743]

I fucking hate sales tbh as an introvert. Worked as one for a couple of years and i make way less money than my desk job now

[@philtabest]

@@thirtyminutefitness6169 For some career choices, $120,000 is below market value. You'd have to be more specific.

[@bryson9618]

U made the vid I suggested 💯 graham listens to his fans y’all 💪🏽

[@GrahamStephan]

you got it !

[@JasonMorford]

I have been doing all these things for the past few years. Two jobs, two side hustles (one pays for all my coffee stuff about $1000 a year and then farming bitcoin about $10 a day), i get about $600 a month from dividends atm, maxing out two ROTH IRA's, maxing out our HSA (tax free medical that can be rolled over YOY at 5000 a year), buying $5k in stock a year at a discount of my wife's company, but no real estate yet due to moving too much for my job. We plan on settling down in a year or two and taking a loan against our investment for a down payment for several properties, or just withdraw that much.

[@michaelgregorich1562]

Awesome video man!! Love the content 👍

[@claraheena6176]

I AM FROM ENLAND WHERE I WORK AS A JOURNALIST UNTIL I MET EXPERT MRS KAREN CHARLES, MRS KAREN CHARLES IS LEGIT AND HER METHOD WORKS LIKE MAGIC. I KEEP EARNING EVERY SINGLE WEEK WITH HER NEW STRATEGY

[@qiaoxiaowen890]

I've been an investor with her since 2019. She's been a great mentor and account manager to me

[@qiaoxiaowen890]

I'm happy I did Invest with her and I still reinvested and the trading is still ongoing

[@thomasbrooks7768]

I just received my profit of $30,000

[@thomasbrooks7768]

After God in my life, is now next to Mrs Karen because she has really brought me out of credit and sorrow,

[@donaldave691]

I am from Denver Colorado USA I connected with her and she has helped me a lot, she makes so much profit for me she is a FINRA agent.

[@erika9115]

This was really helpful - thank you - I'm finally getting serious about this. Took me long enough!

[@thespian666]

Between 6pm and midnight? Idk, Graham. A kid's gotta live a life. Dinner, non-screen related time, grooming, exercise, hobby stuff, maybe a little ps5, conversations with loved ones. Ya know, the stuff we invest time/money to do in the first place.

[@MichelleMarki]

Very valid points. Some people do their side hustles, like a journalist writing their book, in the morning hours before their family wakes up / they gotta go to their journalism job

[@JohnSmith-cw5md]

yeah, as much as I appreciate his frugal frugal approach - the work your ass off he goes on about is gon leave you burnt to a crisp, likely despising whatever you may have even liked doin

[@grahamfan]

@@MichelleMarki This is true. 😊

[@jenparenas8340]

just know your skill and passion then once you loved it ..money will follow

[@andreibanu390]

The best value for money advices you can get

[@CreativeCashflow1]

Your first $1k will come from hard work. Your first $100k will come from smart work.

[@GrahamStephan]

yep!

[@Not-Ap]

Well said.

[@angelina-gg6zs]

true!

[@VoiAhoyTV]

I recently got the same position at another company with a 13.5% raise. I’m all for job hoping if it means your take home is higher. Plus it’s within walking distance from my place and I save £250/month on traveling

[@valentineslifestylefitness5543]

I will ALWAYS smash these like buttons for graham the man

[@jackiraguzman1724]

I drove my first car in my dad's name and later went to get a truck in mine after I paid off my first one and drove off the lot with the truck I wanted, its mostly about a good credit score and a loan portfolio helps as well...lenders like to see various forms of loans in your name to be less of a risk and yes you might have to put money down but not HALF of the car loan Your exactly right I screwed my credit as a young man now I own a detailing company and can't get anything with out the full amount of cash. I'm working on my credit to get better with *850 credit restoration* , Love the knowledge keep it up

[@eliseg0001]

Thank you for this! I feel like most other advice is out of touch but I appreciate that you based this on an average salary in the 30k range. You made retirement feel so much more attainable!!

[@serwanakdag4094]

Graham Stephen was an AMAZING KZbinr when I was starting up in finance. But now that I’m an avid investor your videos only scrape the surface and it feels like it’s for beginners. I would love to see more complex videos from you. Well done tho you were one of the people who put me on this journey.

[@yungprototype]

He’s probably saving the heavy stuff for the patreon

[@johnwick7583]

Was an amazing KZbin? You mean he still is. Gotta remember that there are now 12 year olds watching him and me as an 18 year old who started watching him when I was 16 is helping me out. And if it feels like it’s for beginners it’s because it is. Gen z is rising up fast

[@ashtonw9931]

Go read the intelligent investor, naked economics and any of John Bogel's books. There are a hundred others, but Warren Buffet's teacher and the creator of the index fund are good places to start. Naked Economics is just a very easy to understand grounding in economics

[@johnwick7583]

@@ashtonw9931 is Naked Economics an outdated book or is it very much relevant to today?

[@ashtonw9931]

@@johnwick7583 It is not a super old book, just double checked and it was first released in 02. But even so, it is just a good high level look at economics and it's basic principles.

[@charlesdominiclopez416]

This was the best video I’ve watched on a breakdown

[@ciscoshibler3214]

Good advise!! I just started my rough Ira. I have high hopes for it!

[@douglaschester2097]

*Awesome! your potential seems timeless.* Understanding your financial needs and chalking out a plan remains the smart way to prepare for the unexpected. 11yrs in investing space and extremely pleased with the decision I made. The good news is - it’s not too late

[@rayeugene3180]

Congrats! I'm fascinated with investing, as a single mom and juggling all these things are quite difficult. Invested $ in few sectors but haven't seen any profit yet. Do you think I'm missing out something?

[@douglaschester2097]

Just because there are opportunities in the market doesn’t mean you should go in blindly. To understand the potential factors that contribute to your financial growth, I'll advise you to seek the help of a professional.

[@rayeugene3180]

@@douglaschester2097 Thank you so much I really appreciate. If you don't mind, how can I get in touch with a professional

[@douglaschester2097]

I invests with *(Olivia Charlotte Oswald)* a widely known consultant. You can make a quick internet research with her name mentioned where you can easily get in touch

[@sarahfletcher01]

KZbin has been of great help to many facing challenges of making best decisions on what to invest in, but it's not enough cause most people don't understand what they watch. So it's important to seek the advice of a professional before any investment decision.

[@dargs3993]

Your videos have changed my life Graham. I’m 16 with 3.2k invested already. But the constant zooming in and out between cuts is quite irritating while watching on my phone

[@henning6158]

Yes same you should definitely start watching MeetKevin if you don't already because even though he makes so many videos they are all good and organized

[@henning6158]

When did you start

[@bashirdolal9596]

Damn how

[@SRB57]

What’s up graham it’s guys here, keep up the good work 🔥🔥🔥

[@Rekagami]

Thank you Graham! You are awesome man! 😎

[@ireneh5406]

When I found your channel in 2017, I had less than $80k networth. Now 2022, I have about $574k in net worth. THANKS Graham for being my inspiration!!!

[@JoaoSilva-kf4ig]

By personal experience, the best ways to increase wealth are: avoid debt or "kill" your debts as soon as possible, invest what you were spending (50% high risk 50% low risk), live not below your means, but with a very critical thinking about your spending (buy what you need and not what you want) therefore saving as much as you can.

[@marialeonorcobo8962]

Top, top advices. Thank you Graham

[@aina.cavalida]

You're the best Graham!!

[@remysantiago4546]

Whats up Graham it’s guys here lol