Living On $1.6 Million A Year In Los Angeles | Millennial Money

Graham Stephan, 29, earns $1.6 million a year and lives in Los Angeles. A millionaire by 26, Graham’s income fluctuates between $60,000 and $221,000 per month depending on how much he earns from real estate commissions and KZbin related-revenue. He also owns several rental properties in the Los Angeles area. Between his high income and budget-conscious nature (and 20 cent iced coffee), Graham saves nearly 99% of his income.
This is the latest installment of Millennial Money, which profiles people across the U.S. and details how they earn and spend their money.
Read more about Graham's budget breakdown here: cnb.cx/2QExENL
Graham Stephan pulls up to a high-end Hollywood Hills property in his matte black Tesla Model 3. It’s a four-bed, 2,300-square-foot home listed for $2.169 million by The Oppenheim Group, where Stephan has worked as a realtor since 2015.
He’s sold multiple properties like it - and every time he closes a deal, he collects a nice commission check.
As of September 2019, Stephan has earned $77,152 in real estate commissions on the five properties he’s sold so far this year. But that represents just a fraction of his income. While the 29-year-old millionaire got his start in real estate, he now earns most of his money making KZbin videos.
Stephan, who was born and raised in Los Angeles, never dreamed he’d make his living as a KZbinr. He was earning good money as a realtor, a career he started at 18 after he didn’t get into college. He’d watched KZbin videos for years - “it was my version of TV,” he tells CNBC Make It - but didn’t think he had the personality to be a creator himself. “It looked like such a fun thing to do and I’d always wanted to do it, but I also felt like, Who would want to watch me?”
About three years ago, he decided to film and upload a video. It was an explainer on how to be a successful real estate agent that he shot “selfie-style” on his iPhone.
“I remember that video getting nine or 10 views,” says Stephan, “and thinking, Oh my God, nine people somewhere have seen this video! So I started making more videos. Once I started doing about two videos a week, the growth really just exploded.”
Today, Stephan has close to 1.5 million subscribers across two channels. He earns an average of $90,684 a month on the platform and will bring in well over $1 million for 2019. His videos cover a range of topics, from how to build wealth as a teen to buying a Tesla “for free.” And he regularly posts reaction videos to CNBC Make It’s Millennial Money series, offering commentary on how the subjects could improve their finances.
This year will be the first time he’s earned seven figures in a calendar year, a milestone he’s been striving for since 2017. “Two years ago, I made a goal challenge video,” says Stephan. “My goal was to make $1 million in 2018.” He didn’t quite achieve it, but he surprised even himself by hitting it just a year later.
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Living On $1.6 Million A Year In Los Angeles | Millennial Money

[@CNBCMakeIt]

Today’s episode of Millennial Money features… wait for it… Graham Stephan. Subscribe to our channel, set a reminder, and come back at 12pm ET to watch.

[@frisbeeeater]

LOLOLOL this is hilarious. New respect for CNBC!!

[@Philip8888888]

I'm way more excited about this than I should be!

[@Ratzpackmedia]

What we've all been waiting for

[@philippm.3244]

CNBC Make It. Wait for it 😂😂😂

[@gumerzambrano]

I smashed the Like button 😂

[@keithhowell9572]

Graham is so frugal his hobby is literally collecting money.

[@jesusbalderas329]

Keith Howell I live so frugal that my income is tax free. comited to never let my income go to Uncle Sam's hands.🤑

[@jakcough]

Compound Bank Terror Uncle Sam has entered the chat

[@Allpurple_reign]

@Roy B he also collected something better than all of that land

[@TsarOfRuss]

When you make such money, you have a girlfriend taller than you and way way out of your league! You are are investment, she will make sure you check on your cashflow everyday, she wouldn't want you to lose a dime! cus its all hers at the end of the day

[@Pennyk900]

Agree he will never be poor or homeless. But, pay off your house. Use coupons. Rebates.

[@kdilli6426]

Graham is gonna tear this guy UP.

[@hellopsp180]

Man he needs to do his REACTION video ASAP otherwise he will lose out to the graham stephan show :D

[@pedrotski]

$220 on a gym! He has a front door! Graham will end him!

[@hunterentrepreneur520]

I hope he ia invited to the Graham Stephan show

[@BrooklynnAlexx]

K Dilli lmao I hope he does a reaction video to this 😹

[@mellowtonin4166]

ikr??? he is going to tear this guy into pieces

[@jsmedenilla4524]

Income is 150k, monthly expenses are at 5k tops. THIS IS THE FORMULA GUYS.

[@misterstun1887]

JS Medenilla I don’t blame him for spending so less. I’m sure he spent a good amount buu his needs etc and after that is done it’s like what more can you buy without literally throwing money out the window to random people

[@cmilliii]

Yes that is the formula but the real problem is its hard getting even close to making 5k in a month

[@DabsOnDabs]

@@cmilliii exactly lol. "this is the formula" comment has 726 likes, as if $150k/yr salary is a normal thing.

[@asherschulze94]

t a x e s

[@williamdean4775]

@@cmilliii Can be done in real estate or insurance. Both fields you don't need a degree

[@samoerly947]

Man’s going to propose to his girlfriend with a ring pop he got for free on Halloween

[@ricenbeans3033]

Samsung O'Really lmao!! Facts

[@Gryptonaire]

Honestly I don't see what the problem is lmao. If my man did that I would think it's fcking adorable

[@loaialdossary2893]

Christine Fu. You know i could be your man

[@acidalex420]

Sam Oerly this one 😭😭😂😂

[@xoxo.marlow]

They wouldn’t get married though; the traditional party is expensive, the only advantage is legal, and that’s possible to get just by signing a document

[@NaeOnYT]

If Graham Stephan doesn't react to his own video, this whole thing was a waste.

[@phoenix-king779]

Fr

[@VegasLyfe]

For real

[@ESCapeRazmak]

Reactception

[@Area559Duh]

Reyes The Entrepreneur made 100k on a video reacting to how much one video made him lol

[@sweettee051988]

😂😂😂

[@user27278]

Dude literally bullied his way into this show lmao

[@janehoe.]

Underrated comment

[@rolandk3061]

hahaha nice

[@PenniesNotPerfection]

arturo raygoza so true 🤣

[@wholesome122]

Some might say fan-boyed

[@ariyanapuri938]

arturo raygoza HAHAHAHHA

[@crosswarrior7]

CNBC: "So, what's your hobby?" Graham: "Collecting money."

[@adhirajsingh8920]

you can make fun of him when you start making the same salary. Otherwise, keep your mouth shut.It is his hard earned money and you cant tell him what to do with it.

[@joannekim8433]

Adhiraj Singh He’s not badmouthing him, it’s just a joke....lighten up.

[@amateurtries7542]

@@adhirajsingh8920 I don't see how one needs to make the same salary as him to make fun, not to mention that the OP wasnt even being toxic about it, While you on the other hand...

[@narutofan4545]

Sad

[@jason_v12345]

7:46 Dude makes 1.6 million a year and doesn't own a pasta strainer.

[@prncessbaby16]

I noticed that too lol

[@Itsdrax911]

That's too expensive dude

[@prncessbaby16]

@@Itsdrax911 I got mine from the dollar store so he could reward himself with that instead of a cheeseburger from the dollar menu at mcd lol

[@katherinezp]

He seems like doesn't care much with Life quality

[@magicsam407]

Cheyenne Michelle-Rena Only if he gets all of his work done though

[@BenjaminMRogers]

This is legit the most insane crossover of KZbin 2019.

[@BerylWalubengoAnyitiNanyama]

Loool 🤣🤣🤣🤣

[@ivzg3576]

😂😂😂

[@grantapusdonald6105]

IKR 😂

[@miagolez7059]

Fr 😂😂😂

[@raven_Apex]

not really. its the most expected crossover lmao

[@kennythekid130]

$220 for a gym membership? Graham is going to roast this guy

[@jamesyoung6139]

Actually lol’d at this

[@JamesGarradDrums]

This need more likes - Stephamily insider right here

[@naalynmusic]

Who is Graham

[@TheLillianYoung]

KennyTheKid I spend double that.

[@evindrews]

Definitely private training

[@Splexsychiick]

He's rich but cheaper than me who is not rich

[@Spidr-Man]

So?

[@JFresh1520]

And.... that’s why he’s rich 😑😑

[@noahranker4133]

Jordan23_ no he is stupid and dosent enjoy life

[@zuzanazuscinova5209]

@@noahranker4133 you call having 10 credit cards enjoying life?

[@Mickeydicky]

Noah Ranker guess thats why youre not as successful as him

[@Memoreism]

I like how he makes a million dollars a year but gets excited about the dollar menu at McDonald’s.

[@profitwages9625]

Memoreism he does that to connect with his poor viewers

[@gottfriedj1647]

It felt good to hear that because I just did the same coming out of free workout at the public park and drinking a $2 iced tea

[@Memoreism]

Gottfried J why have a 2$ iced tea when you can have a 20 cent iced tea made at home? :P

[@Memoreism]

Profit Wages something about Stephan seems more innately honest than a lot of KZbinrs out there. I know that’s a very subjective observation though, it’s difficult to quantify.

[@donquixoterosinante7899]

Just like Warren and bill

[@ily2PM]

CNBC: "Here's how he spends his money" Me: Ya mean here's how he doesn't spend his money

[@random9389]

Money and spending are as relevant as the next man on the moon who discovered the price of paragon.

[@meganle5204]

not paying for coffee and designer's clothes

[@xxkarlosxxxxxx7233]

Megan Le can’t relate...

[@JustJulesO]

@@meganle5204 smart

[@area51reviews]

Ridiculous, earning that much money and still stingy with a cup of coffee.

[@Jungernaut]

I hope this guys get lit up on the Graham Stephan show.

[@calebcross983]

Brian Jung Lmao

[@yanniparissis6715]

Let’s get you on millennial Brian!

[@ashikwful]

Graham: NoBoDy iS aS fRuGal aS I Am. Indian families: allow us to introduce ourselves

[@JohnSkyLey]

Graham is more frugal than any Indian

[@bendover-bz4bc]

Bob and vagene has entered the chat

[@sahilvarma4944]

@@JohnSkyLey wanna have a chat with my mom?

[@saghaarii1136]

Literally 😫😫

[@perseustitanslayer3168]

this guy is too frugal.

[@amandaappels8371]

“I don’t want to be a billionaire I don’t know what I would even do with all that money” I do graham lol you would do absolutely nothing with it except put it in various high interest savings accounts and go to Dave and busters to celebrate

[@samoerly947]

Dave and busters costs too much, he'd go to happy hour sushi.

[@kso5306]

Sushi is still too much, he’d get his 2 double cheeseburgers

[@editsontoast]

Ignacio Alvarado but only if he gets his work done that day

[@Ysmnfgj]

Dankhub nah he'll probably even drinking 1 dollar coffees

[@victoriapowers576]

Go buy land to protect the trees

[@aviationetwork]

I can’t be the only one who said “no f**king way” out loud when this came up in the recommended

[@estebanzavala9533]

daasa380 you aren’t alone

[@lycan2494]

Nah

[@BlakeBernsteinFit]

same

[@supersonic118boi8]

I remember when this dude had 50000 subs

[@jessicavije]

the largest crossover in the youtube universe we all know we needed

[@GrahamStephan]

Thank you so much for the opportunity, it really means a lot to me! It’s been so difficult to keep it a secret from everyone for a few months now, I’m so excited to see this 😂

[@alexszeto5134]

FINALLY

[@gwimmer98]

This is the first time ever I have turned on KZbin notifications

[@cassandra7665]

We're all waiting for you to react to... wait for it... *deep breath* MILLENNIAL MONEY

[@thelifeofnicx]

Graham I'll make sure they smash that like button for you 🤣🤣

[@Ghost-my1tr]

Oh man we're excited too. Saw it posted on the Facebook group, now it's only 3 minutes away

[@CCCFFHO]

Lesson learned: If you wanna be rich, you gotta be cheap first.

[@williamwilson7857]

Come on, nature never expresses itself other than abundantly. When springs comes, do you think nature saves it's leaves for the next tree and the next season ?

[@Kabra2012]

​@@williamwilson7857 Animals that depend on constant abundance starve to death during barren periods. Survival in nature often depends on storing up a surplus of resources.

[@williamwilson7857]

@@Kabra2012 They have no reason like humans do ( although people are acting like animals for most of the part without thinking at all ) But we have thinking virtue and thinking to be cheap in order to be rich is error in thinking itself. All 3d world comes from spirit. We tap in that spirit by thinking. We generate our reality every moment by our thoughts and attitude. Think prosperity in your consciousness all day along and you will witness prosperity in your life

[@Kabra2012]

​@@williamwilson7857 A simple example in nature are animals that hibernate. There are many more examples if you look into it. So now you're dipping into spirit stuff, but that doesn't negate the actions that this guy takes to enrich himself. How are you to say that his thinking isn't thinking "prosperity"? Many would certainly look at what he has and would call that prosperous. Moreover, I stand by my disagreement with your notion that frugality and sustainable consumption is somehow against nature. If you're turning this into some meta-physical spiritual chat, then that's a point of disagreement that goes into a whole other direction.

[@williamwilson7857]

@@Kabra2012 I am just saying that saving $5 for coffee or something else $5 in order to save $300 a month and to get rich by this way is ridiculous and not understanding how universe is operating by exact laws...And money is spirit in origin...

[@jecolia855]

I make 0$ a month yet he spends less than me

[@BrooklynLondoner]

I literally cannot believe Graham is on millennial money - mind blown

[@hinwingwoo5488]

It was a treaty agreement. CNBC is going to allow Graham to keep cashing in on reaction videos bc he allowed them to cash out on an interview with him. Bet you they make a few million off this video! Lmao

[@mattbryant7124]

i cant wait to see if he reacts to his own video. lol i am loving this.

[@jpg1663]

Graham will now have to watch this video, and make a video reaction to it.

[@erickc829]

Hinwing Woo lmao they won’t make a million of this vid 😂😂

[@tsaunders154]

@Brooklyn Londoner , I know I’m so proud of him

[@dragontec48]

This guy has no financial discipline, Graham’s gonna ruin this guy’s career and then invite him to the Graham Stephen show.

[@keyleenabreu1584]

this made my day

[@rasputinswalloper475]

He's essentially a You Tube millionaire, but the money is channeled into Real Estate. Good going.

[@sniperking8452]

n s he would still be a millionaire, he makes wayyyy more than $120k from things other than youtube

[@sniperking8452]

@n s no that is just his properties, he also makes money from his job. He has sold a house worth $7 million before.

[@sniperking8452]

@n s 175k from one house!!!! How many houses do you reckon he sells in a year?

[@sniperking8452]

n s he lives in California so I reckon the houses he generally sells generally cost between $300k and $7million, he definitely earns at least $300k from his job and $100k from properties not funded by youtube

[@Jasonsmith-sr1ke]

The SniperKing lmao pepega

[@ANonyMouse627]

Wow, I didn't know 85% of his income came from KZbin

[@earningattorney9887]

Yo for real I thought he was slinging mad amounts of property a month, turns out hes a pretty average agent.

[@matthchuw1796]

@@earningattorney9887 yea that is exactly what I was thinking!

[@fluxed9447]

@Green Giant to be fair, his channels are quite new and only started picking up in the last 1-2yrs. It'd make sense to switch focus/time on his youtube vids more than real estate as of now.

[@bigboat8329]

yeah but if the whole youtube thing dies off for him, he still makes more than enough money per month to sustain himself and even splurge (a LOT) if he wanted to (which he will never do lmao)

[@thebougiewinechick1869]

@@earningattorney9887 how is he an average agent? Even if real estate was 10% of his income thats 160k a year which is definitely more than your average agent.

[@entertainmentprime101]

Graham must confront this person. He would like him.

[@bibekadhikari4357]

You know you want that @-@

[@Abigail-ib1nm]

Honestly 😂

[@JoeGarofaloII]

He would probably punch him in the face for that $220 a month gym membership 🤣

[@johnturnerjr7221]

Who do we have to pay to make this happen?

[@pmipjv]

This guy needs to be invited to the garage for some iced coffee and avocado toast.

[@keitht.4826]

I don't think I've ever been this excited to see someone on millennial money before

[@calihuntfish7163]

Keith Teschemaker SAME!!!!

[@srve8908]

I went in like I’m going to hate this guy But then I realized he ain’t that bad Strong work homie

[@Gravitation3Beatles3]

his voice is smug though

[@Gravitation3Beatles3]

Luís Andrade that has nothing to do with his voice

[@_baller]

He doesn't look like someone who would do bad in school

[@zipporahthecushite7729]

According to the book The Millionaire Next Door, most millionaires in the US were C students.

[@dennis771]

tommy d u b b s to be rich is not about how smart you are but how hard you work and motivational

[@sansfreedom1629]

@@dennis771 Speaking for myself, I never saw the value in the menial work school throws at you day to day. As Graham has said before, you're never going to use Algebra 2 to advance your net worth. I've always been interested in more lucrative pursuits, personally.

[@betohax]

Jeff Bezos was valedictorian of his high school and went to a prestigious university. It's not only c students who do well.

[@tayduatrinhcoi]

@@zipporahthecushite7729 Ah the power of being forced against the wall because no good school takes you and no corporate takes you either.

[@scotttaylor5928]

This guy wasn’t kidding he really only spends 3.8% of his income

[@outlastmma]

And he makes a lot of what he spends back on tax deductions 😂

[@armenyegoryan3064]

This guy buys no food for his girlfriend, what’d you expect 😂

[@ibuyfriends4467]

@@armenyegoryan3064 LOL

[@SharJ24]

@Mohammad Ismail Not a lot at all for LA based on the cost of living.

[@loganc2380]

@Mohammad Ismail you know he doesnt really pay for his mortgage, it's all covered by the other unit in his duplex Oh and basically everything he does is tax deductible bc he writes it off as a company expense. So really he spends under 2k a month at the end of the year

[@yungcripple]

Graham does millennial money. Whispers “it’s free real estate”

[@ewaldsteven]

LOL.

[@eduardosalcedo6866]

LOL.

[@lycan2494]

LUL

[@td.i4632]

He's not cheap, he's smart. And totally agree with buying coffee - such a waste of money

[@jerome0929]

The way to go is to invest in Starbucks stocks with the money you woulf spend drinking coffee. Average drink is $5 and people drink 2-3 a week. Thats $15 a week times 4 = $60 Thats $720 a year. Starbucks average growth based on the last 5 years is 10.6% yearly. $76.32 yearly profit. Plus they payed 2.11% dividends = $15.19 Total of $91.51 profit and if you reinvest it, then you get compound interest which means every year your profits gains will increase gradually.

[@Rendus4]

Wow, he seems so genuinely happy with his girlfriend. I think that's worth more than the money he makes.

[@clear5136]

No money is worth more

[@lovenature904]

@@clear5136 nothing is worth more than money.

[@bryanscott2126]

They don't feel happy at all

[@tisharmoss2170]

Graham reacting to his own millennial money: 20 cent ice coffee I know he can get that down a little bit

[@LuluLinArt]

He can without that coconut creamer. It saves him 2 cents. Lol

[@Disorganized_and_chaotic]

Cafe bustelo will get his costs down

[@DrewShah]

😂

[@Michael-jm5ix]

It looks like he has a nespresso. I can only finds deals at $.75 a pod. I would like to know how he's doing $.20 =)

[@Disorganized_and_chaotic]

@@Michael-jm5ix he keeps a pot of brewed coffee in his fridge, I don't think he has a fancy machine.

[@boomsuga]

Least this guy is honest about his grades and not getting into college

[@diegodarocha03]

Meanwhile I took Physics for an extra year since it "opens doors"

[@scorpiongaming8687]

College is pretty pointless, it's just society puts so much emphasis on it that it seems so important. If you don't get in its nothing to be ashamed of

[@angelrosales8792]

Yeah, and he's not strapped with student loans.

[@1yougotrickrolled603]

Scorpion Gaming Who's going to take over most of the jobs if no one strives for a degree? And what other 6 figure jobs are available? Let's all be real estate agents......

[@pepperminttree]

Scorpion Gaming its not pointless some people really need it for their feild🤦‍♀️

[@samuela788]

The real prank is paying 220 dollars a month for a gym membership.

[@commentsrmymiddlenam]

amazing thing is, its not even 1% of his monthly income. It’s like all the water droplets u accidentally spill out of a glass, insignificant

[@bekkalitzner7227]

He said he only does it because it’s right next to his office so it saves time and gives him more motivation to go instead of having to drive somewhere So to him $200 for gym membership is worth it

[@JTLifestyle1]

Not to mention the mental factor too! If he was spending less on a membership it would give him less incentive to go.

[@HunkMine]

It's nothing for him, but he looks well out of shape reguardless

[@LuG8911]

@@HunkMine lol exactly he could save 220 a month and hit 10 push ups 10 situps and 10 pull ups at home and he'd look the same

[@abstro9942]

"Ok, I know it sounds weird too, but I do end up rewarding myself every now and then .. at McDonald's from the dollar meñu"

[@clear5136]

@Green Giant He said he spends around 70-80 $ a month on food in a video once

[@kaylavald]

Graham: “He’s gonna need to cut down on that $200+ spent on Equinox”

[@garrisonbrown1170]

Kayla Valdellon Facts! 😂

[@mllejessful]

I bet he brings travel containers to stock up on the Kiehl's products 😂

[@treykennedy8897]

For sure!!! Hahaha

[@Jasuta123]

You know when someone join equinox gym . They never really go to gym .they go to hotel lounge

[@GoFastJames]

Thing is that gym is like a country club / golf course, "networking". So if he's doing that there its paying for it self and nice place to work out at. As for a better gym think zoo culture is better.

[@m00n_d0ll]

“Here’s how he DOESNT spend his money” 😂

[@rpierrelouis071]

kzbin.info/www/bejne/oX7SemOof6t0ipI

[@ArnhemAntiques]

Which will be his downfall in the end, he cant earn it faster than Quantitative easing is printing it at the moment.

[@compassbrian]

Arnhem Antiques yeah, the fed is doing “quantitative tightening” right now, not easing... unless you’re in Europe or China that is, their federal reserve banks are doing quantitative easing currently.

[@ArnhemAntiques]

@@compassbrian ''The federal reserve said last friday it would begin buying government-backed securities to expand its balance sheet'' Sounds like QE to me though. I cannot find any articles on the printing presses shutting down anywhere. Lets just hope recession kicks in before inflation runs out of control.

[@robertfrankzhang]

@@ArnhemAntiques Even if that's true, that's not a him problem though. More of an everyone problem. And obviously investing in projects with much higher ROI or even saving at close to 0% interest, is a far better way to increase net worth over time than spending it all now lol. If inflation ever goes higher than 5% in the US, considering the US dollar backs most international markets, we'll have bigger issues to worry about

[@benwilson8583]

Graham Stephan- thanks for the candid, down-to-earth videos. This mentality coupled with a can-do attitude and remaining grounded will continue to make you successful! I’m a new subscriber and am enjoying it! Ben

[@Editorknowsbest]

These type of videos often depress or frustrate me, but I genuinely enjoyed this one. Graham’s lifestyle is practical and inspiring.

[@narutofan4545]

This is inspiring?

[@NuttedInYoMom]

Do not feel frustrated that your life isn't on par with someone more successful. Instead Choose to feel inspired that someone more successful has accomplished their life goals and dreams, and thus You can too. Best 👍

[@KevinConwayChannel]

I can't wait to see Graham's take on this Graham guy.

[@rpierrelouis071]

kzbin.info/www/bejne/oX7SemOof6t0ipI

[@user-ms8hd7fk9c]

Omg is this really happening?? I'm dead

[@bethkeenan7263]

Εύη Κεραμάρου same 😂

[@LuluLinArt]

14 minutes! I cant wait!

[@vanessasmiles849]

Omggg I screamed when I saw this pop in my feed!!!

[@JosephChienCorsair]

Is Graham going to talk about this episode?

[@TonyWTFscream]

i'm a fan for life XD

[@darklightreaper1]

Graham: nobody is more frugal than i am Mr Krabs: Hold my secret formuler

[@dianamunoz5749]

me*

[@greatestneville]

This right here is it😂😂😂😭

[@charlottedavis5882]

Hey Graham, loved that Kevin O’Leary commented on your Millennial Money video! I enjoy sharing your KZbin channel with my family and friends! Keep it up!

[@graceparsons4841]

Was anyone else just waiting for him to say “... millennial money”

[@hajeraa]

Grace Parsons YESSSSSSS 😂😂😂

[@marqcorona684]

I wish he was bad with his money so that way Graham could get mad.

[@nehemiahlindo7658]

Marq Corona stop copying comments...

[@brandononuzulike3314]

Lol

[@ijonuigbo7417]

Lol

[@dgonzo329]

W

[@danielmorales7461]

Facts

[@latishafaucette1875]

I absolutely love this video!!! so Inspiring! This is easily one of my top 5 fave Millennial Money episodes!!!!!!

[@yasinpatel12345]

humble and grateful dude, can't sense any fakeness in him! Transparent and tells you how it is, how he got to where he is no sugarcoating. Respect his honesty and best of luck to him, looks happy!

[@GeorgeAusters]

How to get rich: Teach people how to get rich.

[@FinancialCharles]

That's literally what I'm trying to do

[@raymonds7492]

or flex on them haters

[@jamiuboma1425]

Upgrade Your Life lol

[@AlexSanchez2254]

He became a millionaire before he started his KZbin channel....

[@billrussell4832]

More like make people work for you.

[@omarsuarez8471]

This guy spends 200 on a gym membership???!!! Can’t wait for graham to roast this guy for spending so much on gym.

[@ramoncales1210]

Omar Suarez Plot Twist

[@JohnSkyLey]

He goes to equinox

[@nahshondevose4610]

True. But he always says if your gonna spend a lot of money on something, do it for health because it’s a long term investment

[@palecrayon]

@@nahshondevose4610 then invest in home equipment rather than spending way more over time on a gym

[@nahshondevose4610]

palecrayon u right.

[@FireEmblemWarrior14]

omg!!!!! I've been waiting...... this is the legendary content I've been anticipating!!

[@itstatilol4392]

Imagining the Millennial Money casting agent finally giving into the thousands of comments and calling graham up like 🤷‍♀️

[@adamsanchez6633]

I can NOT be the only one who let out a gasp of disbelief when this came up on my recommendations!!! :0 I’ve peaked

[@patw.6567]

Adam Sanchez for real graham got their attention and good for him

[@purposefullivin]

I scrrreeeeeamed

[@ad1ldo]

I died

[@sarthakgupta15j]

Everyone hail to the King of Millennial Money!

[@GrahamStephan]

🙏🏼

[@MegaHJ1992]

I believe that would be mark lol

[@jacquettaross8605]

Thanks for sharing your life with the world so excited to see a young person so focused. I shared your video with my children.

[@sophien5416]

Omg I haven't even seen Graham on the Oppenheim group show! I hope he is on next season. I love this Millennial Money series, its just shows that anyone can make it and that being frugal is a life skill, no matter how much money you have. Graham seems like a down to earth guy.

[@ShaferHart]

Can't wait for Graham to tell this guy to lose the girlfriend.

[@emmanuel1163]

It's a depreciating asset!

[@hinwingwoo5488]

I dunno..she sounds like a keeper..my wife figures out how to spend 2 dollars everytime I make 1..lol

[@NateOBrien]

I have a feeling this will end up on the trending page

[@adamnyambala5607]

True

[@DanDasilvaToday]

I feel the same

[@chocolatechick729]

You're up next on millenial money . Cant wait to see you be featured 😍😁

[@FinancialCharles]

Nate u should go on the show you're one of my favorite KZbinrs dude

[@i_do_this_4_fun]

It did. Because here I am😂

[@willwalsh630]

So happy for you Graham - well deserved. Thanks CNBC for covering someone like this.

[@Raetalkss]

How did i miss this! This is honestly the best episode!

[@arhamnewaz9158]

No one: Milliennial Money: I'm going to do what's called a Pro Gamer Move.

[@herpderpington6825]

No kidding, right? Someone at CNBC needs a raise.

[@kodyphillips816]

I hope he does a review of his own millennial money

[@mirandaestrada628]

Kody Phillips yes yes yes

[@mariselissa]

That would be so meta

[@thebeautybenz]

I was gonna say this

[@xXRealXx]

He would make money just from existing lol

[@sabinevb]

Yeah was hoping this too haha

[@capturedbypaige9484]

I watched Stephan from The jump. I would sit at work bored af literally bored like I didn’t not like my job. And I learned a lot from Stephan definitely motivated me!!

[@kylieyuen5521]

White dude: frugal Asian dude: cheap

[@nsebast]

The benchmark is different. He is frugal for a white guy. For us Chinese it's called being normal lol. But he is quite frugal, maybe more than me but not by much and I'm Chinese.

[@kylieyuen5521]

@@nsebast i'm chinese too but he's still wayyy more frugal than me. I give money to my parents and save the rest, hardly ever eat out or buy anything for myself. Seeing the amount in the bank increase gives me great pleasure, but i normally don't go to extremes like him. When i do eat out, everyone orders their own food, and i wouldn't bother going from bank to bank to bank to bank... negotiating a lower mortgage rate like he did.

[@allegedpancake2344]

I can see it now, “Confronting Graham from Millenial Money” | The Graham Stephan Show

[@jiLiIsAliveAndSleepy]

Waiting for this episode 😂

[@Burtannia]

"Graham's Girlfriend Confronts Graham from Millenial Money" | The Graham Stephan Show

[@fiatdestroyer9716]

Yessss, that would be awesome!🔥🔥🔥

[@KyleSulkar]

No one: Graham: yeah so I’m going to reverse engineer the whole CNBC channel and then create the most insane crossover and THEN react to myself Love this

[@deonrobinson4293]

Then also make money

[@813cars2]

can’t wait for graham to review this one

[@1992Bwhite]

Graham is an awesome youtuber. I find his content incredibly interesting and relevant. He's a great person to aspire to as he does very well for himself and very much is not a fake person like most KZbinrs these days.

[@bryantran2795]

Now we just wait for him to release: “Millionaire Reacts: Living on $1.6 Million a Year in Los Angeles | Millenial Money”

[@patjohnson9239]

Literally

[@llatoya85]

Haha

[@RelearnMath]

MeetKevin has the video up

[@xxkarlosxxxxxx7233]

sepehr samadi right when u can actually make a gym at home ... it will be cheaper in the long run

[@Koushi82]

@@sepehrsamadi4593 we already did in comments. Also cellphone bill can be cheaper. 85 bucks?!.... Mvno and or family plans.

[@karelypena6931]

This guy has got the biggest grin. We finally got him boys.

[@alexwholland]

0:17 should be "Here's how he doesn't spend his money"

[@sesequatch2598]

Graham Stephan is a good guy. He replied to my comment and many others as well!

[@linkstale]

Lmfao he loves this show so much he’s actually in it

[@hosshydraa1181]

I mean, it just be like that sometimes.

[@lidyasolomon5557]

Funny as haill

[@kgal1298]

Ever since he started commenting on it his following really grew so it makes sense he loves it, though I get a little bored with the formatting of it.

[@darkhorse0687]

"This guy has got to get that gym membership down."- Graham Stephan

[@GameFuMaster]

Turn that 20c iced coffee into 19c

[@ChrisDAndrealifestyledesign]

that’s exactly what he would say if he was critiquing himself 😂

[@dillonclyatt9978]

lol he should look at the graphs and stuff but without knowing that its him and see what he says

[@dinorossi6611]

Maybe he is compensating

[@HuyNguyen-ze3eb]

"Cut that food spending in half" - Graham

[@rishiramchandani567]

Graham is a legend. Taught me a lot about personal finance

[@LeoJohnEspinosa]

I knew I’ve seen the office from somewhere... Selling Sunset! Love that show

[@ShadowRaptor8]

Infinity War is the most ambitious crossover ever. CNBC: Hold my 20¢ iced coffee

[@ludovicopalladino9453]

Rishab Gangopadhyay lmao! 😂

[@vJorddan]

Well said Rishab lmao 🤣

[@dzuz]

“No one is as frugal as I am.” Does he know who Mr. Krabs is?

[@DirtRoadAutoRepair]

Daniel Arevalo-Santos did you watch the graham video of him reacting to the couple who share a toothbrush. Yeah he ate his words on that one lol Graham has new couple goals.

[@chocolatechick729]

Omg 🤣🤣🤣🤣🤣🤣 your comment was too funny

[@funmilayoogunrayewa8730]

I need a new job😩

[@nunez849]

Daniel Arevalo-Santos if he’s not recycling his used tissues, don’t @me

[@HawkinaBox]

XD

[@theveganalien7091]

80k a month off of KZbin? Time to start a channel lol

[@hunnerdayEDT]

The secret is that money and beauty channels make more per 1,000 views than any other type of video.

[@kirisutegomen12]

Crazy huh

[@jeanp.5929]

I've been telling myself to start posting videos forever and ever. I've posted three videos but deleted them cuz I'm just not into making videos.

[@carmenfreeman693]

Thank you for your down to earth approach. I hope you reach your 10 million. 🙏

[@caralaska]

A man who is a millionaire gets double cheeseburgers to motivate himself lmao

[@AnymMusic]

I mean same tbh

[@pedrobambinoperez2572]

Don’t forget they are people too

[@rossanalopes3114]

😂😂😂😂

[@AbigailFifield]

Most relatable thing I’ve ever seen

[@JLHenderson]

Gotta enjoy the little things

[@lauradogg534]

I didn't realize that I needed this cross over so bad.

[@rpierrelouis071]

kzbin.info/www/bejne/oX7SemOof6t0ipI

[@bo5824]

i was extremely excited when i saw this and i was surprised I hadnt thought about it lol.

[@AllAboutPurple]

Totally agree with the coffee thing. I haven’t been to Starbucks in 2-3 years I can’t even remember. Total waste of money.

[@jerome0929]

The way to go is to invest in Starbucks stocks with the money you would spend drinking their coffee. Average drink is $5 and people drink 2-3 times a week. Thats $15 a week times 4 weeks= $60 $60 times 12 months = Thats $720 a year. Starbucks average growth based on the last 5 years is 10.6% yearly. $76.32 yearly profit. Plus they payed 2.11% dividends = $15.19 a year. Total of $91.51 profit and if you reinvest it, then you get compound interest which means every year your profits gains will increase gradually.

[@pehash]

I agree with what he's doing except the food part. What you put in your body is very important. Most of us don't afford good quality food, but at his level, he should pay way more attention to that.

[@bge1234]

It took me a few seconds to realize that this was a CNBC video and not a video of Graham reacting to a CNBC video.

[@LuluLinArt]

That's what I thought too! I was wondering when he'd get tired of waiting and then just make his own Millenial Money. Luckily CNBC pulled through before that happened.

[@diamagneetik]

Same!

[@Evergreenvic]

Same. Thought I was being trolled.

[@_Digitalguy]

yeah, unbelieveble

[@callmehugh7983]

I'm waiting for Graham to react to this video.

[@rohanm4214]

He is probably the most down-to-earth millionaire in LA.

[@19Hollisterchick90]

Most millionaires are like this. I know quite a few through real estate. Those who aren't down to Earth are typically celebrities and the psuedo-affluent.

[@omegablast2002]

(x) Doubt

[@Ahad_Faisal]

Mac J yeah they’re all out in space

[@goikofinanzas]

Mac J only the new rich are not down to earth.

[@tiendoan1333]

@Mac J Source?

[@SVladimirjb]

😂... Victory! It's great to see someone you've been following since inception make it to "Millennial Money", great job man truly inspiring 🍻

[@LaloRacer1]

Amazing! Truly an inspiration!

[@yovizx]

Graham should definitely confront this guy for the $220 gym membership.

[@Kivutar]

He explained it in one of his videos. Worth it for the exclusivity - never crowded, location and perks.

[@ikjon23]

lollllllll

[@Double333D]

If you're going to have one splurge, staying in shape is def worth it

[@DinaTiffany]

😂😂😂😂😂

[@lewissmith4903]

@@TheRybka30 dental is usually it's own thing or u can just pay a couple hundred bucks for a cleaning

[@dmcaf6841]

Honestly thought that he made his own thing about himself like a parody until I saw what Chanel this is

[@danistam6735]

yo me too

[@ashleighkelly7598]

I thought the same thing!

[@Abigail-ib1nm]

Same 😂

[@aleeasieben9374]

Same

[@yungcripple]

Abi t Same😂😂

[@latoyalewis]

This was super enjoyable and inspiring ✨

[@joshuahhhhhh]

I would absolutely love to speak with him. He's part of the reason why I'm working so hard in my life :)

[@joseortiz_io]

No One: Graham Stephan: Confronting Graham Stephan from Millennial Money | $200 Gym Membership

[@RubenTrucks]

@Aäron Becker I hope so 😂

[@antonioakiki3716]

He confronted himself about it, its besides his office so he says the time saving and convenvience compensate for it

[@antonioakiki3716]

Aäron Becker but he lives very frugal for what he earns. And also at a point time is more important than money so spending extra to save time is worth it

[@benredsmma8884]

This is probably going to be the most viewed millennial money episode

[@Kazztam94]

He might be cheap but he’s hella smart about his money and i need that mindset

[@Understandingtheworldbetter]

That's great he got them to do an episode on him!

[@lucaspace7173]

Graham has to go over this dudes finances, he would be enraged.

[@jpelberfeld111]

Can't wait for "Confronting Graham Stephan from Millenial Money..."

[@CaseyBurnsInvesting]

JP Elberfeld it’ll be interesting to see if he can get him on The Graham Stephan Show

[@hes9113]

HAHA

[@katywolffis7678]

Same!!! Lol!

[@swordstrafe]

CubeTube walk talk and act like me

[@shaxshaxly]

Absolutely you’re frugal +smart man congratulations well done graham.fantastic video’s keep up good work.