How To Retire In 10 Years (Starting With $0)

[@CZsWorld]

Graham: How to retire in 10 years at 30. Me, 29: 😰

[@gettingittogether424]

Same

[@JavierRodriguez-jw4xv]

Retiring at 40 isn’t a bad idea tho. Lots of people retire at like late 50s or even late 60s

[@maanavp18]

40 is better than 65🤙🏽

[@cferracini]

I'm 31 😂

[@alexn1168]

Boom 39 is still young to retire 😂

[@GKrova]

going to make my 5-year-old brother watch this so he can drop out of high school

[@DGBAntho]

Your brother sounds like he’s going places

[@barbedgirl]

@@DGBAntho xDD

[@cinderyghost3130]

🤣🤣

[@laureljohn4983]

😂😂😂

[@ricoysabio]

😂😂

[@MattsMkia]

High prices for everything have severely affected my plan of retiring. I'm concerned if people who went through the 2008 financial crisis had an easier time than I am having now. The stock market is worrying me as my income has decreased, and I fear I won't have enough savings for retirement since I can't contribute as much as before.

[@LUCIASMITH-d1z]

It's recommended to save at least 20% of your income in a 401k. You can use online calculators to estimate how much you should save based on your age and income. Saving at least 20% of your income in a 401(k) can help ensure that you have enough money to retire comfortably. By saving this much, you can take advantage of investing in the stock market and potentially grow your retirement savings over time.

[@IamJonny-o4v]

Considering the increased complexity since the 2008 crash and COVID, I suggest diversifying your financial portfolio. I hired an advisor and successfully grew my portfolio by over $150K during this turbulent market using defensive strategies that protect and profit from market fluctuations.

[@JacobsErick-u8r]

pls how can I reach this expert, I need someone to help me manage my portfolio

[@IamJonny-o4v]

Melissa Terri Swayne is the coach that guides me, She has years of financial market experience, you can use something else but for me her strategy works hence my result. She provides entry and exit point for the securities I focus on.

[@winifred-k9e]

Thank you for this tip. It was easy to find your coach on web. Did my due diligence on her before scheduling a phone call with her. She seems proficient considering her resume.

[@AnnaOllsson]

People are facing a tough retirement. and it's even harder for workers to save due to low-paying jobs, inflation, and high rents. Now, middle-class Americans find it tough to own a home too, leaving them without a place to retire in.

[@PennyBergeron-os4ch]

The increasing prices have impacted my plan to retire at 62, work part-time, and save for the future. I'm concerned about whether those who navigated the 2008 financial crisis had an easier time than I am currently experiencing. The combination of stock market volatility and a decrease in income is causing anxiety about whether I'll have sufficient funds for retirement.

[@DaliaCohen2230]

It's recommended to save at least 20% of your income in a 401k. Sonya Lee Mitchell taught me to estimate how much you should save based on your age and income. I've been with her for years now and her decades of experience in the markets translate to chunks of value in so may ways! She has upscaled my portffolio and even got me reading self help books haha

[@HildaBennet]

I thought gains like that are nothing but a pipe dream! mind sharing details of yourmanager please?

[@DaliaCohen2230]

She goes by “Diana Casteel Lynch” I say you look her up. To be honest, I almost didn't buy the idea of letting someone handle growing my finance, but so glad I did.

[@HildaBennet]

Thank you! I entered her full name into my browser, and her website came out on top. I filled her form and i hope she gets back to me soon.

[@issecret1]

I save 80% of my income and I expect to be financially independent in 25 years from taxed investments alone. I'm from a poor country, so it's a pretty big deal for me

[@AmFaucher255]

I'm 48yrs old living in Montreal. I believe my retirement is quite close and I'll if things go according to plan. Bought my first house last month and I would say I'm a lot happier than you think. I'm glad I made certain good decisions that turned things around.

[@waltermartinelli8384]

@@AmFaucher255 Congratulations. You're really doing well for yourself, I aspire to own my home, that's really a big flex….I would appreciate if you share tips, thanks.

[@AmFaucher255]

I have been utilizing a coach for daily investment decisions for the past three years, resulting in over $1 million in gains. My coach's analysis has prevented losses and guided me to make the most of market breakthroughs, particularly during downtrends. Their expertise in safe haven asset trading and short-selling strategies has proven to be invaluable.

[@thclapper2258]

@@AmFaucher255 Nice, who is the FA aiding you if this is not much i'm asking? my retirement plans are going down the drain with my 401k particularly losing everything it gained ever since 2019

[@AmFaucher255]

Her name is BRIANNA MCKEE HARRIS, can’t divulge much. Most likely, the internet should have her basic info, you can research if you like

[@AlbrechtChristoph016]

I came across your channel through this video-case studies are incredibly valuable, and I'm eager to see more in the future! Building wealth involves establishing routines, like consistently setting aside funds at regular intervals for smart investments.

[@AmaliaGiselae8g]

You're correct. I think the smartest way to go is to spread out your investments. By putting your money into different asset classes like bonds, real estate, and stocks from other countries, you can lower the risk if one part of the market goes bad.

[@LieselKaroline]

That sounds like a good plan. In the past two years, working closely with a financial market specialist, I've built a six-figure diversified stock portfolio. Now, I aim to diversify even more this year.

[@CarinaAdele5CA]

This aligns perfectly with my desire to organize my finances prior to retirement. Could you provide me with access to your advisor?

[@LieselKaroline]

NICOLE ANASTASIA PLUMLEE’ is the licensed fiduciary I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.

[@CarinaAdele5CA]

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

[@HectorSnipes]

I was told to spread my money across different things like stocks and bonds to protect my $750k retirement savings. Now, with the markets being shaky, should I keep adding money to my portfolio or consider other options?

[@lolitashaniel2342]

Consider buying stocks when the economy is not doing well, like during a recession. It could be a chance to buy them at a lower price and sell later when prices go up. Just keep in mind, this isn't financial advice, but sometimes it's better than keeping a lot of cash.

[@BateserJoanne]

Accurate asset allocation is crucial right now, and some individuals use hedging strategies or allocate part of their portfolio to defensive assets for market downturns. financial advisory is vital for achieving this. This approach has helped me stay financially secure for over five years, yielding nearly $1m ROI

[@grego6278]

I've been looking to get one, but have been kind of relaxed about it. Could you recommend your advis0r? I'll be happy to use some help.

[@BateserJoanne]

Diana Casteel Lynch is the licensed advisor I use. Just search the name. You’d find necessary details to work with to set up an appointment.

[@BateserJoanne]

Her name is ' Diana Casteel Lynch ' Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.

[@MaximilianFischer497]

I need a way to draw up a plan to set up for retirement while still earning passive income to meet my day to day need and also get charged lesser taxes even while in a higher tax bracket. i want to invest around $250K savings.

[@RowanBryson]

Maybe you should consider financial planning, It really isn’t about how much you save, it’s about how you manage your money. Whether you work to earn income or invest, it still boils down to income vs expenses

[@MarshalWagner457]

Working with a financial advisor has been a game-changer for me. Starting with less than $200K and being just $19,000 away from making half a million in profit is impressive..

[@TicheDebb0]

Fantastic! That sounds wonderful. How can I get in touch with your financial supervisor?

[@MarshalWagner457]

I've stuck with the popularly “Diana Casteel Lynch” for about five years now, and her performance has been consistently impressive. She’s quite known in her field, look her up.

[@vince9080h]

Thank you for sharing, I must say she appears to be quite knowledgeable. After coming across her web page, I went through her resume and it was quite impressive. I reached out and scheduled.

[@DustinKalli]

I make less than 50k after taxes a year as a single father. I’m in my mid 30s but I am trying. Since I began watching your videos and implementing some of your strategies. I’ve become a much more stable financially. Also starting to look into online courses so I can learn to code. Truly appreciate your input on everything.

[@em77775]

Whatever you do, stay out of debt and you'll be way ahead of the game

[@michealwrubell4302]

One thought is to buy the dip and then wait to break even, another thought is: Will buying low during a recession work if I'm retiring in the next 3years, I'm no way near prepared for retirement and I just need strategies to scale up to atleast 2million by the time I'm set to retire

[@lipglosskitten2610]

I think it's especially difficult for people who are retired or about to retire. My apologies to everyone who retired during this time after putting in all those years of work just to lose everything to a problem you weren't to blame for.

[@Walter_hill_]

it all depends on how long you're willing to hold for and your strategies, stocks might likely tank further, but making serious gains in this downtrend shouldn't be a problem if you're a pro

[@lipglosskitten2610]

@Dan Brooks That's impressive, my portfolio have been tanking all year, tried learning new strategies to gain in the current market but all of that flew right over head, please would you mind recommending the invt-adviser you're using?

[@lipglosskitten2610]

@Dan Brooks I did look her up, I see why she booked up, her creds/resumé is topnotch. I booked a consultation with her regardless.

[@PersonalBurrito]

Jesus are all of these comments bots spamming?

[@joshmellon390]

I started living like I was broke earlier this year and I love it lol. I have thousands saved up, my gold collection is growing, and I feel more disciplined. It's not what you make its what you do with it that counts.

[@hc1616]

there is literally no reason to live like all the consumers online. delete social medias and create stability in your life is more rewarding

[@Freddylone]

At 42, I've come to realize that money is a tool. I’ve worked so hard over the years to realize that if you don’t make money work for you, you can’t experience true freedom. I’m glad I found that out although it was later in life, but that marked the turning point in my finances.

[@Freddylone]

Herman Jonas, an astute financial analyst is the brain behind my success. I've gotten into a plethora of assets with $33k spread across stocks (options and futures) for the short term and Roth IRA, index funds, and ETFs, for the long term. Now I sit back, and just reinvest at intervals while I enjoy my retirement.

[@Roymysterio]

Do not forget that when it comes to the stock market, prices can be erratic, rising and declining quickly, often in relation to companies' policies, which individual investors do not influence.

[@Pambegay]

As someone planning for retirement, Herman W Jonas has recommended a balanced stock portfolio that aligns with my risk tolerance and time horizon. His customized approach has yielded me both growth and security.

[@dang579]

@@Pambegay Is he the lost 4th Jonas brother?

[@ARM1N_HAMM3R]

This dood really having a convo with himself as advertisement for his services, lmfao.

[@joesphcu8975]

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

[@alexyoung3126]

As a result, the best players and professionals have access to confidential information and data sources. Knowing the tactics to employ at this time is one thing; having the knowledge necessary to put them into successful practise is quite another.

[@checkforme234]

@@alexyoung3126 I concur. According to my own experience with fiduciary counsellor ''Eileen Ruth Sparks'', having $385k in a well-diversified portfolio that has increased by 3x via compounding, venture capital doesn't only come down to money; you also need to be knowledgeable, patient, and have strong financial backing.

[@checkforme234]

@@stephaniestella213 You can easily look her up not he web, she has years of financial market experience.

[@davecrupel2817]

Luck.

[@davesyoutubechannel1951]

​@davecrupel2817 To a degree yes. But you will also never hit luck without taking risk.

[@NicholasBall130]

I'm uncertain if my 401(k) and IRA will secure a stable future. I'm looking for an investment strategy that aligns with my risk tolerance and financial goals. I've set aside $1 million for this purpose. Would you recommend investing in stocks or purchasing rental property?

[@LiaStrings]

Stocks returns on average 10%. Property returns on average 10.5%. if you close to retirement id suggest stocks as it's easier to liquidate and less upkeep

[@StocksWolf752]

Accurate asset allocation is crucial. Some use hedging or defensive assets in their portfolio for market downturns. Seeking financial advice is vital. This approach has kept me financially secure for over five years, with a return on investment of nearly $1 million.

[@cowell621]

Could you possibly recommend a CFA you've consulted with?

[@StocksWolf752]

I work with Sonya Lee Mitchell as my fiduciary advisor. Simply look up the name. You would discover the information you needed to schedule an appointment.

[@BateserJoanne]

Thanks! I’ve been meaning to start investing but kept procrastinating. I’ll definitely look her up and see what she advises. This was really helpful!

[@graceocean8323]

What's needed? Liquid cash. Everyone only has credit. If you have stacks of cash, you can capitalize on everyone's credit. A recession as bad it can be, provides good buying opportunities in the markets if you’re careful and it can also create volatility giving great short time buy and sell opportunities too. This is not financial advise but get buying.

[@hannahdonald9071]

Cash can be king , but it depends on how much you have. I.E- if you have $300K cash when the house market crash occurs you will have a LOT more opportunities VS many others especially when people get foreclosed.

[@tampabayrodeo2474]

You are right! I diversified my $550K portfolio across various market with the aid of an investment coach, I have been able to generate a little bit above $1.2m in net profit across high dividend yield stocks, ETF and bonds during this red season.

[@tampabayrodeo2474]

JOHANNA MUSSCHE is my FA. schedule a call with her on her web page after doing your due dilligence.

[@hannahdonald9071]

Johanna really seems to know her stuff. I found her web~~site,,, read through her resume, educational background, qualifications and it was really impressive. She is a fiduciary who will act in my best interest. So, I booked a session with her

[@Mysticaltyger]

*advice

[@CraigMarsh-hu7pf]

According to the New York Times, the average savings of a couple reaching retirement is $110k I’m closing in on my retirement and I’m under pressure to grow my reserve of $330k, despite the fact the capital gains you can make on growth stocks far outweigh dividend yields, and even in downtrends folks still pull off 6-7figures gains in months. surely the risk is much greater, but I’d love to know how.

[@AlinaLopez-vz9qp]

The uncertainties accompanying this present market is more reasons I have my daily investment decisions guided by a portfolio-coach seeing that their entire skillset is built around going long and short at the same time, both employing profit-oriented strategy and laying off risk as a hedge against the inevitable downtrends, coupled with the exclusive information/analysis, it's quite impossible not to outperform. Netted over $1.5m in return on investment, since using a coach for about 2years.

[@CollinJon]

there're tons of avenues to capitalize on in a downtrend to make substantial gains, but these opportunities and trades are successfully carried out by pros.

[@AlinaLopez-vz9qp]

Lisa Ann Moberly, the coach i have been using for about 2years, you can read up on her, she's quite known and her works speaks for itself.

[@CraigMarsh-hu7pf]

Thanks a lot! i got all i needed to know about returns on investment plans

[@simzyboi8551]

Oh please tell me more about this lisa ann moberly she sounds like an amazing individual I must say her booty cheeks do be clapping has some may put and can definitely double my investments in less than a month if I am hard enough

[@UltimateTechHub]

Whats up Graham it's guys here!! Did anyone else catch that? That's freaking awesome! I had to replay it a few times.

[@jamescurley450]

I am very privileged to only be 18 years old watching this vid and being ready to apply the concept

[@imrana3618]

You have time. Make sue you set a plan and act

[@alexsheedy2718]

I feel privileged being 18 too. Ive been trying to heal myself for and bit, and now have the ambition to get my life together as quick as possible

[@ggyjjbc]

When he said “In some cases your housing can take up 50% of your income!” I giggled a bit then started crying.

[@katyapak3854]

But at least that money is back in your pocket and not a landlord!

[@hopegate9620]

​@@katyapak3854 Unless you're renting and rent is still over 50% of your income 😢. Until recently I was paying 590€ in rent and earning about 900€ every month.

[@daysgo5514]

live in a car. only the macho can survive this, if you have a family you cannot do this. do it now and secure your familys future

[@milomaz1]

@@katyapak3854 a ton of one bedroom apartments are more than 2/3 of the average individuals income

[@immadangerzebra5466]

That's illegal in quite a few places. ​@@daysgo5514

[@jacobs9604]

Exactly how we live. Always lived on way less than we make and I keep a very intentional budget. We have a paid off house that we bought for $100,000 and is worth over $300,000 now with sweat equity. We’re now worth over $2 mil with investments and in our early 30s. We work because we like what we do and we have a lot of fun camping and hiking with our kids. While our friends blow money on depreciating assets, we drive modest vehicles. You don’t need to blow money to have fun in life. We are comfortable, content, happy, and stress free.

[@MichelleMarki]

I like how you cited "be a creator not a consumer" -- this is for sure the mindset to keep earning instead of squandering it away

[@grahamfan]

Definitely great advice.

[@MichelleMarki]

@@grahamfan Indeed a mantra I will keep in mind as I keep hustling to hopefully make it someday!

[@grahamfan]

@@MichelleMarki Good idea! You seem to have a great mind set as it is. I believe you will continue to do well in time.

[@MichelleMarki]

@@grahamfan Thank you Justin!! I hope the best for you too! :D

[@grahamfan]

@@MichelleMarki You're very welcome! Thank you very much! 😊

[@brendanboyle7157]

I make less than 50k after taxes a year as a single father. I’m in my mid 30s but I am trying. Since I began watching your videos and implementing some of your strategies. I’ve become a much more stable financially. Also starting to look into online courses so I can learn to code. Truly appreciate your input on everything.

[@The_Real_Black_Jesus]

Respect to ya, keep your head up and stay the course

[@kaizen9595]

Respect

[@elgooges]

Major respect!

[@RaliusBruh]

Im currently at a bootcamp keep going champ!

[@crileymane]

Keep it up brotha

[@chaneltompkins4844]

I’ll be 35 this year. Got a very late start but, paid off my first property this week! Gonna leverage up to a multi-unit property next. I’ve been watching for a few years now, and I must say you have completely changed my mindset about money. Thank you!

[@dw309]

Lol? How is paying off a property a late start at 35? Most millennials rent, let alone own a paid off property. You’re flexing and it’s obvious.

[@tylerhudson1550]

@@dw309 starting off late is relative - the video talked about retiring at 30 at the soonest, so yes it could be considered starting late

[@alaydrus89]

Yea man I started late too and retired at 32 :(

[@loneyerf625]

@@alaydrus89 better late than never started early and retired at 15

[@alaydrus89]

@@drdavinsky even with covid? Damn. Nice I just live frugally and habitually pump my folio.

[@johnben9]

My expectation is for 2024 that markets starts to broaden out more,” what if the interest rates go up? i have a ton of questions....can I safely invest my $800k? I was advised to diversify my portfolio among several assets such as stocks and bonds since this can protect my portfolio for retirement,but don't know where to start.

[@suzannehenderson5]

It's crucial to have a well-thought-out strategy and not make impulsive moves based on short-term market fluctuations. Patience and a long-term perspective are key. You should consider a market expert to guide you

[@Johnlarry12]

There are a lot of strategies to make tongue wetting profit especially in a down market, but such sophisticated trades can only be carried out by proper market experts

[@monicawill5]

I’ve been down a ton, I’m only holding on so I can recoup, I really need help, who is this investment-adviser that guides you?

[@monicawill5]

Thank you for this amazing tip. I just looked the name up, wrote her and scheduled a call.

[@tryingmybest206]

GO AWAY

[@Wakemeup456]

6:47 I agree. Especially about medical debt. I have about a $10k emergency fund, but I don't think it's enough. I hear so many medical debt horror stories and I know people who can't get ahead because of their past issues in the hospital. I hope to stay healthy because the US healthcare sucks so bad

[@theforeignerinamerica1817]

Don’t call it retirement… call it FREEDOM. You can work all your life if you want to.

[@GrahamStephan]

True!

[@MichelleMarki]

Exactly right, Buffett achieved financial independence early in life and is still working at 91!

[@theforeignerinamerica1817]

@Caiden call it FREEDOM. Financial independence means you could do nothing and live. People wanna live their lives, not do nothing. Everyone chases $$, even billionaires, they want more and more. FREEDOM is you have choices, you have options, you can do with your life what makes u happy

[@ibraheemshaqqou7043]

Nah bruh screw that I’m retiring lmao

[@user-fq9ke1kz5w]

100% when I reach this people are going to assume I'm lazy because I "retired" but honestly I will still be working on small jobs that I would want when I want. I'm literally buying my freedom.

[@YoungJon]

You posting every Monday Wednesday & Friday for the past few years is APPRECIATED!

[@GrahamStephan]

You got it!!

[@jerrycampbell-ut9yf]

Awesome! I appreciate your viewpoint. I currently earn $600k per year. I have no home or investments, and my job is in New York because I work from home. I need to act quickly or else I'll owe the IRS thousands of dollars come tax season. What should I do?

[@Peterl4290]

To better understand the factors that could affect your finances as a beginner. To make the best decision, speak with a financial professional. They have a wealth of information regarding both current events and upcoming developments.

[@larrypaul-cw9nk]

Opportunities are scarce; make an investment today to become financially independent. I am participating in numerous sectors with the help of a Financial Advisor, and success seems to be more straightforward than I had thought.

[@sabastinenoah]

How can one find a verifiable financial planner? I would not mind looking up the professional that helped you. I will be retiring in two years and I might need some management on my much larger portfolio. Don't want to take any chances.

[@larrypaul-cw9nk]

Her name is Annette Christine Conte can't divulge much. Most likely, the internet should have her basic info, you can research if you like

[@sabastinenoah]

Thank you for this tip. it was easy to find your coach. Did my due diligence on her before scheduling a phone call with her. She seems proficient considering her resume

[@naturegirl4584]

Investing is all about knowing bearish periods ultimately establish a new crop of stocks to buy and watch while setting the stage for a robust new uptrend.I have been reading articles of people that grossed profits up to $250k during this crash, what are the best stocks to buy now or put on a watchlist?

[@edna6592]

You’re right! The current market might give opportunities to maximize profi.t, but in order to execute such effective transactions, you must be a skilled practitioner

[@lucagreco1787]

On the contrary, even if you’re not skilled, it is still possible to hire one. I am a project manager and my personal port-folio of approximately $750k took a big hit in April due to the crash. I quickly got in touch with a financial-planner that devised a defensive strategy to protect and profit from my port-folio this red season. I’ve made over $150k since then

[@lucagreco1787]

.On the contrary, even if you’re not skilled, it is still possible to hire one. I am a project manager and my personal port-folio of approximately $750k took a big hit in April due to the crash. I quickly got in touch with a financial-planner that devised a defensive strategy to protect and profit from my port-folio this red season. I’ve made over $150k since then

[@drrami757]

@@lucagreco1787 that's heavy! I could really use the exprtse of these advisrs, my port-folio has been down bad....whose the person guiding.

[@lucagreco1787]

My advisor is "Frances Annette Batista" You can easily look her up, she has years of financial market experience

[@joshuaiyinkanmi303]

"What's up Graham, it's Guys here" 😂😂😂

[@wadebarnett2542]

Graham, do you ever give talks at schools? Kids and their parents need to hear you. This sort of thing SHOULD be taught in school.

[@elgooges]

Totally agree! The earlier you start investing, the better.

[@janvidb4377]

Unfortunately the system does not want you to know this kind of stuff

[@janvidb4377]

@M Bank yeah and most of the countries, it's literally built for that purpose

[@avenue2revenue]

I actually did teach "personal finance" pre-COVID at a school who are less fortunate. Because they deserve it most. It was truly an eye opening moment for them as well as for myself.

[@SloansHagers]

I am currently in my 50s and This is no time to taper retirement savings. I want to max out my retirement contributions and I also have another $120k in a savings account that I want to invest in a non-retirement account. Where would you invest this as of now?

[@RodericksCurrys]

Look up, dividend aristocrats. Pick six to ten from that list. Those companies have a track record of 25+ years of paying dividends. Also, you should work with a financial advisor to help set up a well-structured portfolio.

[@RobisonsWades]

@@RodericksCurrys Inflation is gradually going to become part of us and due to that fact, any money you keep in cash or a low-interest account declines in value each year. Investing is the only way to make your money grow. Unless you have an exceptionally high income, investing is the only way most people will have enough money to retire.

[@SloansHagers]

@@RobisonsWades I'm interested in investing through an analyst. It sounds like the most sensible thing to do in the market. Could you please give me a pointer about who you work with?

[@RobisonsWades]

@@SloansHagers I have to give props to MARGARET MOLLI ALVEY, my CFA, she's the real deal in the finance game. Dive into her background, this lady's a treasure trove of experience and knowledge for anyone navigating the financial jungle.

[@SloansHagers]

@@RobisonsWades I looked her up, and I have sent her an email. I hope she gets back to me soon. Thank you.

[@serenewhopperman2924]

Beautiful journey, one that folks really need to watch. I’m 50, retired a while at 45. I have 35% of my capital invstments in an IRA, 25% in index funds, and the balance spread across other investment accts, in cumulative of over $ 5M. I receive income from my rental properties too. Zero debt and all is going accordingly.

[@harleycartley3138]

You appear to be doing quite well for yourself. Does a consultant help you do this? because I want advice on a plan that would produce a ROI with a high yield % In essence, wise investments that will aid in my FIRE.

[@serenewhopperman2924]

@@harleycartley3138 Well, I do employ a qualified consultant. He invests a major amount of my wealth in fixed securities including treasury bills, corporate bonds, government securities, debentures, and REITs that produce significant quarterly income for me.

[@harleycartley3138]

@@serenewhopperman2924 So, is there a method for me to get in touch with this consultant? Before I turn 40, I want to do a few things.

[@tonimhamilton2072]

You're seriously destroying the FIRE game. One day, I hope to get such.

[@serenewhopperman2924]

James Fletcher Brennan

[@glittersnatched]

So starting from $0, buy a $60k multi-family house (lol) and rent it out. Debt is bad. Saving is good. Such insightful landlord advice.

[@Marvin-Tucker]

Beautiful journey, one that folks really need to watch. I’m 50, retired a while at 45. I have 35% of my capital invstments in an IRA, 25% in index funds, and the balance spread across other investment accts, in cumulative of over $ 5M. I receive income from my rental properties too. Zero debt and all is going accordingly.

[@site_is_down]

Retiring early to enjoy life more and spending time with people that matters and doing things that we really love is the best way we can live our life to the fullest, but this is only possible if we will prepare better for it and backed ourselves financially so we can sustain ourselves even if we don't have a full time job that pays us.

[@currentandcombustion]

I have to say I'm loving the "What's up graham its guys here." Simple yet effective.

[@avenue2revenue]

Yeah...what is this about?! Did I miss anything? 😀

[@sbombfitness]

I've been watching your videos for years and have been saving 95% of my income (I live with my mom) while attending community college and have now saved over $20,000. Once I reach $40,000 by the end of the year, I'll buy a rental property.

[@YouTubeChannel2296]

Wow, proud of you!

[@LiveType]

Good on you! Save that cash. Rent is so absolutely stupidly expensive. Invest in yourself and wherever possible now when your costs are basically zero.

[@maximusdecimusmeridius5438]

Buy Tesla and Bitcoin

[@DavidSmith-nl5jv]

Buy now, use the house hacking method. You can do it with 20k easy.

[@DavidSmith-nl5jv]

You only need 3.5% down if you buy it as a primary residence.

[@SeanTucson]

I love the fact that, "you're still working" and making these videos. You don't necessarily have to but, you still do it. It probably inspires a lot of people. You're doing big things. I love it!

[@hybridxtr]

27 as of yesterday ive been in a downward spiral for a few years just working like a dog and never making it trying to give my son the best life i can ive realized im the problem and am diving into learning how to stop being thank you for all your content i think credit has to be my starting point

[@jamesc3953]

good age to start mate

[@user-ohmy]

I make 30k a year and live frugal in a hotel, I save about 50% a year. It's still going to take me like 70 years to retire like this. Income is clearly an issue.

[@responsiblewealth7509]

This is true and when we have to have an honest conversation about wealth inequality - because if you're busting your ass and making 30k doing a job society needs to be done, it is hard to put this advice into practice no matter how frugal you are. Love you sharing this mate

[@Movieman1965]

I learned some years ago that you have to acquire skills that add value. Try learning some kind of skill that will increase your earnings. Like maybe a course for x-ray technician, or sonogram technician, even plumbers do much better than $30K per year. You can do it! When I got out of the Army I took a Aviation Technician course. It was only 18 months, 1 1/2 years total. With that one skill I started making $50-60K per year. Later on I became a Mechanical Engineer and started making $70K-85K per year. These days I'm making over $100K. How? I increased my skills which in turn increased my value. Find a course that will increase your value and you will get there! BTW, some aviation courses are subsidized through public schools. Mine was too, so it didn't cost like a regular trade school. So my aviation course only cost me around $1200 for the entire 1 1/2 years. I would go to class from 4pm -9pm on weekdays. I made that money back in a few weeks working in Aviation Maintenance at the airport. Have a great day!

[@saundz8791]

@@Movieman1965 that sound so similar to some programs that are running in Puerto Rico. Where are you from?

[@user-ohmy]

@@Movieman1965 yeah I'm saving to go back to school and will likely go from there. I'm young with no family, housing is the biggest challenge for me. Rent prices keep skyrocketing.

[@franklintyler4652]

How old are you? If you are saving 15k a year and living off 15k a year it will take you until you’re 70 to retire unless you’re already close to 70.

[@ryanking1923]

How to retire in 10 years with ZERO DOLLARS. Step one: BUY A HOUSE. Lmao

[@colek6858]

I'm 19 and just started with a home remodeling business. I want to buy a house in the next few years and fix it up and rent it out. My parents will let me live with them so after my first one I can use that payment to buy my own. Maybe a duplex or whatever, I save a lot and got a credit card because of you

[@daniellawrence4884]

I saw the thumbnail “Retire at 30” and I’m here watching at 32 lol!

[@metalfork69420]

Highly recommend watching this video a year after watching it the first time, really puts into perspective what i've learned in a year and how little I understood the terminology the first time I watched it.

[@markscott5257]

Graham, the only flaw in your numbers is taxes. eg : 70k a year.... 21,000 expenses/// 49,000 saved.. These numbers don't take into account taxes/ medical etc. Love your content but thought I would mention this. Have a great day !

[@Movieman1965]

That's true. It definitely is based on net income minus all expenses. I always base my calculations after all expenses, which also includes setting aside an emergency 6-12 months' savings for the unforeseeable. Like unemployment or other things.

[@ericvela4087]

“The rich stay rich spending like the poor” *has a collection sports car inside the house right behind him

[@zachcornette5532]

It’s an investment piece, but yeah he does..

[@SeizingJday]

Straight up didn't notice it until you pointed it out lol

[@RicardoM.A.]

Graham please do a video on getting tenants once you buy a house hacking home… lease agreement, choosing tenant, furnishing tips, etc. I think it would be very helpful for a lot of people, myself included. Thanks

[@mactiviajoseph8643]

Essentially financial independence is elementary, all you need to do is keep monthly expenses very low, then make money, save money then invest that money. Once you make more than spend every month, you are now financially free. Hopefully, this simplified the whole process. Thank you, love your video by the way.

[@alikhalili3708]

0:00 "What's up Graham? It's guys here!" lol. Made me laugh. Great video and great content, Graham!

[@malvinalemire9628]

Having a good retirement investment plan and making the right investment early or rather at an early stage plays an important role in becoming a millionaire even before your 50s...make more thorough researches before investing or better still, get a fin. advisor. Made my first million earlier this year through one after losing a fortune to KZbin inspired "trial and error" investing advices. Retiring without any worries. Goodluck

[@sakhalittle9206]

Now you have my attention sir... I have been into all of these for sometime and though I won't say I have lost a fortune, I have squandered quite a lot... Who was/is the knight in shinning armour? I anticipate your response.. How did you do this? I am slowly giving up on all of these...

[@malvinalemire9628]

@@sakhalittle9206 Funny enough, I can honestly relate. I don't know if I am permitted to drop it here, but her name is "Leah Marie Sandock". Was in the news a lot in 2018. You may look her up for more

[@toyko7200]

@@malvinalemire9628 wow I know this little lady. Once attended a seminar she was also in attendance in Vienna,, Great speaker with a funny accent,, She's American though, I doubt she works with foreigners,,,

[@sakhalittle9206]

@@malvinalemire9628 thank you

[@berthayamaguchi8627]

@@toyko7200 This right here is the second time I am coming across this name in a week. Came to my school for a program and it was lit and yes, she has a really cute southern accent.

[@tahirisaid2693]

I'm in my 50s and I'm more interested in investments that could set me up for retirement , I mean I've heard of people that netted hundreds of thousands during these crash, I listened to someone on a podcast who earned over $650K in less than a year, what's the strategy behind such returns?

[@TinaMyles]

“Angela Lynn Schilling” is the licensed advisor I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.

[@TinaMyles]

A lot of folks downplay the role of advlsors until being burnt by their own emotions. I remember couple summers back, after my lengthy divorce, I needed a good boost to help my business stay afloat, hence I researched for licensed advisors and came across someone of utmost qualifications. She's helped grow my reserve notwithstanding inflation, from $275k to $850k.

[@factsnotfeelingssendit5961]

Nigerian scammers on this thread

[@nickdavis6898]

I retired in December at age 31. Good advice. My passive income became as much as my salary so why not.

[@vsvishal8853]

What was your line of work before you retired

[@wahoocharlie]

How do you plan on filling your time? I’m retiring soon and am struggling with that question the most.

[@Drayelam21]

@@wahoocharlie must be a good struggle to have lol

[@ErosZev]

@@wahoocharlie finding new hobbies and travelling!

[@koffee_val]

“wait a week before deciding to buy something you want” me who wants to buy food: 😮

[@MIRoleModels]

Did no one hear him say what’s up graham it’s guys here or am I tripping 0:01

[@Lmcnetwork]

You ain’t trippin lol

[@LemuelDunleavy]

I've been saying the "Think like a a creator and not a consumer" line for years.

[@JackDuffley]

Pretty much all of the best personal finance strategies boil down to spending less than you make 💰

[@GrahamStephan]

absolutely!!

[@MichelleMarki]

Living below your means indeed!

[@chencohen2369]

also make more money and invest the difference.

[@site_is_down]

Because financial freedom, financial sustainability and financial literacy starts with being disciplined with ourselves and our attitude towards money..

[@TheManWithanIdea]

I’ve never realized how much he waves around his hands. Now that I’ve seen it, I can’t unsee it.

[@SaniBravo]

This video is making me feel like I’m going insane, too late at night, too high energy

[@MichelleMarki]

The key here is how much people are willing to delay gratification. The more you eat your cake now, the less cake you get to have later. Graham has made it so he gets to have his cake and eat it too!

[@grahamfan]

If it is your cake why can't you eat it when you want to? j/k 😁

[@MichelleMarki]

@@grahamfan Haha well we gotta enjoy our cake sometimes too!! 😜

[@grahamfan]

@@MichelleMarki Ha ha 😁

[@Snerdles]

That chart about the percent of your income over time to save was very useful. Turns out I just need to save 675% of my income to retire by 65!

[@ninamanning8219]

Me to 😢 AND im 20 😑

[@Annis-co7vu]

investing requires good experience and knowledge to carry out a good and successful trade, I have lost a lot trying to trade all by myself May I ask which investments are good??>>>>>>

[@Madlyn55]

Considering that I am only three years away from retirement, it becomes challenging for me to solely concentrate on the long-term perspective. Despite having invested in reputable companies and having a significant amount of funds allocated, my profits have been stagnant. This situation raises the question: Does the current recession and unstable market offer any calculated risk opportunities for generating profits?

[@AudraZapoticky55]

I understand your concerns, my friend. I recommend exploring passive index fund investing and expanding your knowledge in this area. Personally, I experienced both successes and challenges when initially seeking a reliable passive income......,

[@AlitaBandasak]

how do I get in touch with this consultant that assist??>>>>>>

[@AudraZapoticky55]

STEPHANIE KOPP MEEKS, that's whom i work with look her

[@AlitaBandasak]

Thanks for these recommendations.....,,,

[@17h127]

This is how I've been able to retire since my late 20s. Still haven't because I like my job, but knowing that I don't need it is so nice.

[@iamwen30]

talking about being retired but still working on KZbin, youtube is obviously his main source of income. if you’re retired just leave to enjoy your life. youre still working buddy

[@Jme---]

Nobody can become financially successful over night. They put in background work but we tend to see the finished part. Fear is a dangerous component, hindering us from taking bold steps we need in other to reach our goals.

[@LemonLizard.]

That’s what I can’t get past. I’m 21 and have a substantial amount of money for a normal dude my age but I have no idea what to do with it.

[@Movieman1965]

@@LemonLizard. According to financial advisors, set some aaide for 6-12 month expenses emergency safety cushion. Invest some like 15-30 % in index funds since it will simplify things. The rest use it as you see fit. Balance is the key.

[@funnymcfunfuns1455]

It has way more to do with just not knowing what to do than fear.

[@carochan86]

@@funnymcfunfuns1455 People following scammers like the above comments?

[@hamzy]

I think it would be easy for anyone to retire in 10 years while making millions on KZbin!

[@upMETHOD]

Great video... Retiring in 10 years from $0 comes down to sacrifice. You're simply sacrificing the lifestyle you could have for 10 year to have the lifestyle others dream of for the rest of your life.

[@francescodesimone9882]

It also come down to hyper aggressive leverage and real estate concentration risk. Not just that, it also takes an outrageous real estate bull market, tenants that always pay rent. Anyways, Graham is a cool guy, his financial advice is spot on.

[@avenue2revenue]

If it would be easy, everyone would be doing it.

[@upMETHOD]

@@avenue2revenue Absolutely!

[@rockwildr69]

Dude im still wearing shirts from 20yrs ago! Lmao still works lol 🤷‍♂️

[@phildathrill2000]

Graham: Avoid debt Students with large amounts of student debt: •_•

[@highbrass3749]

But you have a degree and you consider yourself smarter than most people… So what’s the problem?

[@texasproud8608]

I just walked away from my house and all bills, and I’m living in a van under a bridge down by the river. I’m banking now. Looking forward to favorable results.

[@shveps84]

Matt Foley, you are truly an inspirational speaker. We need more people like you !

[@SaifuddinRehan]

Sometimes I do wish these kind of information is available to me when I was younger... But still, better late than never, perhaps..

[@GrahamStephan]

Absolutely!

[@avenue2revenue]

Totally!! With the current downturn of the market you basically win back another year as the market is approx. at the same level as last year 😉

[@muchomango496]

"I never saw the point of waisting money or buying things I don't need" he says with a sports car right behind him 🤣

[@Nakai2024]

To put it simply, you do the good, not the bad, the right and not the wrong.

[@NancyFranciss]

Just stumbled upon this video and I'm thinking, 10 years to retire? Sounds like a dream, but hey, I’ve got $21k sitting in an emergency fund and no clue where to start. Maybe it's time to stop hoarding cash under the mattress and get serious about investments. Any quick wins, or should I just keep dreaming?

[@blissds-gi3mb]

10 years sounds ambitious, but doable with the right strategy. If you're starting with $21k, it's worth considering an investment advisor. They can help you avoid rookie mistakes and actually make that cash work for you. Not everyone likes paying fees, but sometimes it's worth it. Just saying

[@mykreid]

One thing people fail to do (especially millennials) is INVEST. I made my first million from blue chips and top etfs using a broker so i invested and re-invested my profits. I also acquired large amount of high-quality dividend-paying stocks too that gives me a solid base of passive income. ever grateful to Olivia Maria Lucas handling my portfolio, two years now and she still surprises me, she's actually the only person i know that's richer than me haha

[@cyrilmilton]

Wow, great work. you surely made a good bit of money

[@suziehovic]

I did read about Olivia Maria Lucas on the web., quite a great resume she has

[@GrahamCan]

Did a quick web search, she has a pretty decent bio, I wrote her and I'm waiting on her reply.

[@amandathomas0612]

Does this include inflation? Because I feel these days I'll never be able to retire. 😂👍☕💙 Love your videos Graham always appreciate you!

[@jonboybluegaming]

Index Funds tend to be above inflation by about the same percentage from what I noticed and I looked because I was a bit nervous myself. This year specifically has been a bit rough but hopefully once the Federal Reserve levels everything out, the war stops, and the market stabilizes we should hopefully, in theory, be ok

[@kirstenneil3536]

Don't worry about it just get you a sugar daddy.

[@alex1432]

If you’re int he group that can possibly retire in 10 years then inflation is negligible

[@elementalgolem5498]

People overstress inflation. Inflation has always been there but so has the markets growth. The s&p is basically a garanteed inflation proof savings account

[@SevenHunnid]

I was that kid that got expelled from high school for smoking weed on my KZbin channel.. now i smoke weed on my KZbin channel for a living 🥶💚how times change man…

[@dragonairbender1796]

I’ve never heard or seen anyone become wealthy listening to graham

[@victorromero7750]

learning a skill, looking for a better job or picking up a side hustle is what WILL improve your life.

[@john-atallah]

Learning to not trade my time for money and learning to trade results for money was a hard lesson I learned this year. After producing great results in my job this year but not getting a raise due to "not having enough time with the state" hurt my soul. Work somewhere where you get paid for results. I guarantee you will learn a lot more and value your time more.

[@nastkaggg4153]

What kind of job do you have now?

[@john-atallah]

@@nastkaggg4153 I'm a clinical social worker at a psych hospital now. Hoping to leave soon ish and do some private practice work instead.

[@RealD5]

Amen lol I feel you 100%

[@Sensimuse]

Great information but my only critique is that while the fundamentals are solid (spend less and invest more) the reality for most is that they don't have the buffer to achieve the savings rates mentioned. It's easy to say "live off of 21K a year while making 150K" but the median income is closer to 70K. House hacking is only really an option if you are single and with the market as it is now would require significantly more upfront capital which people just don't have. 60% of households are living paycheck to paycheck. Saying "income doesn't matter" and in the next breath "make more money" proves how clickbaity the former is in practice.

[@bowz_of_oshu]

I had to scroll for FAR too long to find a comment pointing out the glaring issue. I literally make 70k a year and average rent in my area is roughly 2k a month now because of inflation. Prior to that it was still 1.7k a month. Duplexes don't exist in my area, and the cost of a house is so astronomical that the concept of having no money and buying a house to rent half of it to someone else is laughable. This video has nice tips if you already have a solid amount of money to start with, but if you're broke or even only slightly above average for income, this info is useless. "Buy a used car," Used cars cost money up front, they're also expensive, and you can't get a bank loan for them because banks don't see used cars as a safe investment. If you don't already have great credit, you can't get a personal loan for enough to ensure you can get a reliable used car. There are too many glaring holes in this video and it's saddening that so many people are so out of touch that they can't immediately recognize it

[@keysersoze1537]

Waiting to buy something has definitely shown to be most useful to keep me from buying crap I don’t and won’t really need

[@avenue2revenue]

What also helped is to always ask myself before a purchase if this is an asset or liability. It helped big time growing wealth.

[@GoodSamaritan1972]

MD ....You are THE best aquascaping channel on youtube. Period. No one has EVER done such an amazingly comprehensive video on this topic . You are the best.....i keep saying this😁

[@qntainmnt]

5:32 sublease?? haha I'm surprised you used that as a recommendation. subletting is actually a civil crime if it isn't stated in the lease. you are hilarious Graham lol 😂😂😂😂

[@VMYeahVN]

I really wish living frugally didn't basically mean you can't enjoy anything. Whenever i see people talk about frugality, it's don't eat nice food, don't go to the movies, don't do anything you like because that's money wasted unless you are investing it or buying real estate. And it's like, what way to live is that? Like retiring early versus retiring late in life basically is a choice of do you want to enjoy life now or enjoy life later. And i feel like there should be some kind of middle ground where you can enjoy things to a point, but consistently throughout your life. And not have to wait till you're 65 (where you're too old to really do anything interesting/fun or you might not even live that long anyway). Increasing your net worth on paper makes sense, but on the flip side, if you're not using the money to actively make your life more enjoyable, and it just sits in an IRA so you're "worth" millions, then what are you really gaining? Idk...

[@MissJamborina]

Have you heard of coastFI?

[@corydiehl764]

Unfortunately, it's nearly impossible if you don't have disposable income to work with. Most of the advice out there is for people who are making enough money to make it, and are spending it in silly ways. Yes, you can cut back and save an extra $20 a week. Which is what I remember this feeling like when I was in college. Minimum wage or even moderately waged jobs aren't enough to make it anymore. The only way to get there is to find a way to increase your income and keep your expenses the same as or marginally close to when you started this process. Which is an unfortunate fact about our society. Once you have $1k to $2k of disposable income to work with after bills and taxes, then the advice finally starts to pan out. I agree with you that the $20 - $200 that you might save now being really frugal might be better spent enjoying life now while you work towards a better paying job/occupation.

[@retnuh3144]

Real-estate investment with tenants and starting an online store could help you enjoy your youth but you should continue working to have more money, just quiting after getting cash flow from renters to be lazy wouldn't make sense.

[@ralphriche3181]

You know the “fun” you’re talking about is most likely self destructive, give your life to the lord and you will be satisfied and happy. Many people become wealthy because they live simple and save.

[@VMYeahVN]

@@ralphriche3181 I mean sure if your narrow minded definition of fun is drugs and alcohol. But that's a dumb assumption for you to make. I do not want your evil religion.

[@jesterjake88]

Literally my first priority is getting out of debt so I can buy a rental property…I could afford it on my own if I wasn’t in debt

[@etho7351]

Consider taking out a loan with a lower interest rate to pay it off sooner

[@Dragon228833]

I’m flirting with the idea too. My only debt rn is my car loan and if I buy a rental property it would have to be far away from me cuz I live in nyc and don’t have a million dollars to buy someone’s garage

[@joanaramirez6240]

@@Dragon228833 I know there are some people who invest in out of state real estate. What helps them is focusing on states or areas that are landlord neutral or in favor. You also need to calculate if you will have a positive return from the property.

[@brandtc.7991]

This is dead on! My wife and I followed this and we could technically retire, but we REALLY want to live the luxury retired life, so we are going to push it until 45 (currently 30), then we can literally just burn money for fun even more so!

[@chencohen2369]

great for you! I'm currently 26 and I think I can make it to wealthy retirement by 32-40 (depends on how wealthy we're talking). my main focus is on investing and getting greater returns.

[@Sinancan93]

what do you do for this?

[@brandtc.7991]

@@chencohen2369 Yeah! Same, trying to find the best returns or most stable growth too! We are also pushing it out a bit longer because my work has a great retirement and I found a loophole in their policy with retiring early and getting my pension and health insurance early and forever lol.

[@brandtc.7991]

@@Sinancan93 It was actually really tough!! We had to really hold back from just buying junk and stupid stuff mostly. We also hardly ate out at restaurants unless it was a special occasion like birthdays or major holiday. We don't buy each other gifts, we usually go some place nice to eat instead to remember the experience. The best part is that the small things in life now mean so much to us, so a simple drive looking at mansions or historical places brings us so much joy and fun. We are starting to lax a bit on our budget finally since we are putting almost 80 percent of our income into investments, so any raise I get now, we save for vacations or on things we truly been wanting that is good quality. It's tough at times seeing others blowing money and seeming to have so much fun, but most come back and talk about how broke they are and stressed from doing said activity, so lesson there is, don't look at social media and think that's normal what people are doing. Overall, it's SOOOO worth it, but it takes time to adjust.

[@Sinancan93]

@@brandtc.7991 I mean what's your professions/jobs/income source :) appreciate the information though

[@MortgageTalkwithgeorgeneufeld]

Great inspiration! I'm 29 and we just got approval to build our second multi-unit rental. Videos like this is what inspired me to never quit. Thanks Graham P.S. I would love to meet you someday, you should do a real estate conference near Alberta Canada.

[@ChroniclesofFrugality]

He's right. What you save is what counts. Frugality is the way!

[@miskee11]

I've always lived exactly as you describe here, but I live with my brother whose spending habits are the polar opposite of mine -- he actually says he wants to use all of his money actively on "improving the lives of his family members". It's a nice sentiment, but I personally believe financial security is the single greatest positive thing one can have in their lives, and I can't seem to convince him of that. I feel quite guilty saving and investing most of my income while he continuously buys me takeaway food, multivitamins and books -- and he even pays for Netflix for my entire family without asking for anything in return. Well, maybe I'll get him a Lamborghini for his 50th birthday or something one day.

[@MichelleMarki]

Yes, that is the wise way you're going, much like how Buffett believed he could invest the best, so that eventually he could return an even bigger amount to society via charitable giving!

[@Pappybxx]

This is exactly what people get wrong about Ayn Rand. Be selfish so you can be giving.

[@CaedenV]

It is hard to understand sometimes, but accept it in the spirit it is given, and don't feel guilty when he spoils you a little. It is his way of showing you and your family affection, and you enjoying it will no doubt bring him joy. But if the chips land against him and he hits some hard times, don't preach at him about having been wasteful or anything. Just help him get back on his feet and on the right track again and be thankful that his good times made your start easier which allows you to cover his rough times. And if that never happens, then yeah... a lambo or something would probably do him some good when you are in a position to do that responsibly :)

[@drdankenstein291]

The largest challenge about early retirement is paying for health insurance all the years you are so called retired.

[@grahamfan]

That can be a big chunk that is very often over looked.

[@AA-ve9sy]

Guess I’ll have to work a part time job in my early retirement for medical insurance benefits.

[@BoraBoris75]

Thank god we dont have insurance sistem. Ofc, you can buy AllIn extra insurance (with dentist) for 1k$ per year, but 97% doest have insurance at all

[@ghedociobanu1266]

Or you can just move to one of all the countries that cover health insurance for citizens. There are a lot of great countries besides USA where you can live a high quality life, trust me.

[@AaronBonBarron]

that is likely by design.

[@TheVirtualsherpa]

You didn't touch student loans in this video which I understand can be avoided. However, for MOST its a crippling payment every month when it comes to maxing out saving/investing and in order to be avoided, smart decisions need to be made at 17/18 years old when financial literacy is often very low.

[@CollinGould-h6g]

Did anyone else notice how he said what's up Graham it's guys here here instead of what's up guys it's Graham here

[@jaycechenault3940]

What’s up graham, it’s guys here.

[@DavidAlvarado.]

You are like a father to me, you teach me everything!! Thanks😉

[@GrahamStephan]

Happy to help!

[@arn9858]

Thank Hes my brother ☺️

[@drewfeld836]

These suggestions could work really well if single, however if you have a family this becomes exponentially more complicated and difficult to achieve, especially during these times.

[@KylePeront]

1:10 - "it makes no difference how much money you make" 12:29 - "then the only focus is that you have to increase your income"

[@FearlessCaper1]

Should read how to retire in 10 years with hookups and connections.

[@identified_god8424]

why are people still poor when Graham Stephan exists. Stephan I just wanted to let you know, that your advices are TOP TIER! thank you alot for helping me

[@Warthog42069]

Don’t forget he’s also a KZbinr, who makes thousands off our views plus all them sponsors…. So that helps too. Still appreciate the videos graham

[@chatterbox11]

He stated that in the video, and it is also a major point he makes in the video--i.e. find a way to increase your income, as there is a limit to how much you can cut back, especially if you are not earning very much. That said, long before he become a KZbinr, he built a very successful career as a real estate agent and a real estate investor. So, by the time his KZbin channel started making money, he was already very financially secure.

[@mixzed5514]

Hi Graham, you didn't include inflation in your calculations, 50k now, and 50k in 20 years is two different things.