Millionaire Reacts: Living On $280K A Year In Fort Worth, TX | Millennial Money

[@drchtct]

They need more people who mess up. Like I wanna see a "living on $18k a year in NYC" with 100k in debt

[@whosdondada]

😂😂😂😂

[@harjitsandhu7162]

We need a “how much money I’ve made off reacting to millennial money” video

[@rjahood2473]

yes. yes. we do

[@alfiefrancis3232]

Would be interesting to see this!

[@SneakerPlanet]

Do the math. He posted his Tesla vid and he clearly gets paid $9 per 1k views. So you can use that as your starting point.

[@XxAlex530xX]

Swing Trade Solutions that’s pretty off

[@jacobday3826]

Millennial Money Money. 😂

[@emilyherrmann3558]

“I have 1.7 million dollars of debt.” ***Graham talks about the cat and ignores debt***

[@carmineglitch]

He owns multiple properties, its debt from the real estate loans, it's like leasing a car, but you have the money.

[@tuyenhoang5546]

Tbh those are probably mortgage, which is normal for that many houses

[@emilyherrmann3558]

I know that’s it’s a mortgage, but it’s still a big number, and Graham sometimes references Dave Ramsey to whom debt is debt

[@speteydog2260]

Ha ha yep what’s that about ?

[@Hi-nh7wu]

It’s actually really good based on how many properties he has, and it’s not your standard debt, cuz he had a consistent income that is paying of that debt.

[@slepda]

This dude has the most gentle voice i have ever heard i though he was a woman and when i raised my head from my phone i saw him..

[@davidmbonu2689]

They might be trans honestly...that’s genuinely what I think

[@donblackwell5564]

This is a transitioned woman. It's hurting my brain to watch him/her

[@sistertujuana4834]

BL&S Holding same

[@summerrr1]

It’s called effeminate

[@user-vi4xy1jw7e]

@@donblackwell5564 so he transitioned when he was a kid? Because it showed him as a small boy.

[@eduardoramon5737]

Him: "I don't have a savings account." Graham: That's it, I've had it.

[@TheGrahamStephanShow]

Hah!

[@antoninactiveemail5397]

This guy is doing so many things right while doing so many things wrong, I don't understand.

[@mirict90]

The eye contact when he said that had me dying!

[@user-dx9jr4pz2y]

@@TheGrahamStephanShow I am sick, I am very poor, I need $ 50 for food, paypal is in the description of my channel

[@user-dx9jr4pz2y]

@@TheGrahamStephanShow Please help

[@Hiccup9911]

I live my life imagining Graham reacting to my spending. The angel on my shoulder constantly yelling "YOU CAN'T AFFORD THAT, THAT'S TOO MUCH MONEYYYYYY"

[@rjahood2473]

thats a good way to live!

[@benderong4478]

And now after adopting this tactic I’m the new billionaire on the block

[@MrMasterNorris]

everytime I buy something its gotta pass two tests. A) is it worth the time it takes me to earn this much money (ex if i make 20/hr is a 40 item worth two hours of my time). B) would i rather have this or be closer to freedom (retirement)

[@FinancialShinanigan]

Feel like Graham got drunk one time and spend a crap ton of money so he doesn't drink anymore lol

[@FlimJpart-timer-youtuber]

Maybe Starbucks

[@chrisvenegas3833]

Financial Shinanigan spent $20 on one meal and he lost it. “Never again!”

[@Fiiggy]

He bought loads of avocado toast

[@triple_gem_shining]

Nope never happened

[@johnduffy9088]

Graham in 30 years: how to make my $1.20 ice coffee

[@ATasteOfBeauty]

Plus inflation

[@kevindudson2344]

Nah dude Graham in 30 years why I quit Coffee.

[@nodogthataintme5476]

1/4 cup coffee icecream 1/2.5 cup milk and emulsion blend to creamy like a low grade milkshake lmao

[@cadekattner5175]

Dude nobody going to laugh at the fact that gram made fun of the Editing at 10:40

[@cadekattner5175]

Oh and his face a 15:52

[@samettekes3173]

I like it

[@muhammadusama9778]

@@cadekattner5175 i mean it was a stupid decision

[@adrianm.7182]

i thought my screen was giving out on me

[@kyleLyfe2]

Graham, I just sold my truck with an auto loan and bought a Prius with the equity to speed up getting out of debt after being inspired by your videos. Thanks man for all you do

[@karen52396]

I love it 😂 Graham: “I dont think Ill disagree with him on anything” Terrence “I dont have a savings account” Graham: 😲

[@CKproductions1000]

I'm very impressed with your frame rate knowledge, Graham!

[@eyemsoreel]

You're impressed easily

[@dean.2113]

ball sack

[@tristin.baldwin]

Definitely something a lot of ppl dont know

[@alexruiz5915]

@@tristin.baldwin Or people just don’t care.

[@Tyler-by7zz]

10:40 when too many people are smashing the like button at once

[@alexpersonalfinance6325]

Thought that was only my computer 😂

[@xavierharris5337]

I thought my phone was acting up 😂😂

[@BeyonKasual]

@@xavierharris5337 So did I! 😂

[@fatherleo4603]

Glitch in the matrix

[@Arhats_Corner]

I didn’t even notice lol!

[@ComposerCorner]

Made my day to see a new millennial money today you don't even know

[@TheGrahamStephanShow]

Enjoy!!

[@elichristoff6528]

You were... waiting for it?

[@elichristoff6528]

ComposerCorner was joke, hope all is well

[@peterpham6288]

Guy: *One million dollars in debt* Graham: aw cat

[@taskforceknight9336]

Those are real estate loans. He owns multiple properties worth millions. So he has the money to easily pay it pack

[@bethanycooke2115]

🤣🤣🤣

[@random9899]

Lol Graham glossed over the $1.7 million in debt when he saw the cat (3:42)

[@TheGrahamStephanShow]

Ahaha

[@rorymilsom1491]

its because that property debt. Its standard in real estate

[@Big-Government-Is-The-Problem]

@@rorymilsom1491 standard unless you're Dave Ramsey lol. he would go REEEE if he heard that the guy was 1.7m in debt. its good debt of course, but Dave doesnt believe in debt at all.

[@rorymilsom1491]

@@Big-Government-Is-The-Problem yeah thats fair but he's a different breed

[@JPMansionTours]

Graham I live for your reaction videos! Love the great content man, keep it up!!!!

[@TheGrahamStephanShow]

Thanks!

[@Je.rone_]

Agreed

[@itstatilol4392]

Graham at 4:38: Millennial Money editing is trash Graham’s editing at 10:40: 😳😳😳 (edit: ily Graham just playing)

[@JackRackam]

If I had to guess I'd say it's a bug in Premiere 2020

[@adamr3813]

Graham: *makes 1.2 million a year and owns millions in real estate* Also Graham: Ah man I wish I could have a little room for yoga mats

[@jessejames6264]

Graham out here slipping into the matrix at 10:40 ...

[@connor.patrick]

I was just about to comment something about the matrix there you read my mind

[@atawoo2]

Yeah what was that some kind of encoding glitch?

[@aufiaz993]

KZbin: How many adds do you want to place in your video? Graham: Yes

[@AndrewLaMonica1]

I got 6 adds

[@kelcyboo9778]

Seems like this one got demonotized now.. I was just thinking it was odd not to see any ads on a Graham video

[@fanowood]

"I don't have a savings account" Graham: *Nervously looks at camera* Breathe, breathe, they can see you, breathe....

[@KobesEgo]

Saw it on CNBC earlier but had to wait until Graham uploaded 💪🏾

[@TheGrahamStephanShow]

Nice!!

[@cjmhall]

“The Porsche was too fast so I sold it at a loss.” 🤔

[@leadnsteel1428]

And buys a brand new Euro SUV that lost 25% value as he drove it off the lot

[@FlightX101]

leadnsteel LOL logic. Since he’s ok with a used 911 why not get a used Q8? To each their own I guess

[@tracy_cakkes]

Yeah, what? 🤦‍♀️ isn’t that the whole point of buying a luxury car?

[@ok-ly7id]

Graham I love it every time you talk about Ramsey. I know this doesn't necessarily tie in to your "brand" (at all, lol) but I do hope you do a video about/with him in it one day. Maybe like, how much I spend on my pet cat in a month...? Or a video seeing if you can get cheaper versions of expensive pet toys/accessories with the same quality. Or putting him on a BARF/Raw diet (that's usually seen as more expensive, but healthier for the animal) and seeing how it compares, price wise, to traditional wet/dry food. Love your videos!

[@NaeOnYT]

I'm all in for a Ramsey-centric AMA.

[@ok-ly7id]

@@NaeOnYT A slippery slope for Graham turning into a lifestyle vlogger haha. But yes! That would be adorable.

[@jasonarauz8505]

Your reactions are on point bc where others might say “I agree” and move on, you take a sec to explain why it’s good and other ideas like it.

[@anthonytamayo]

Me: sees 666 comments. Me: does civil duty and comments to make it 667.

[@IReapZz95]

I also heard "cash is king" especially now because assets don't pay your bills and people need liquidity

[@ReeceIovine1]

Cash is trash... Untill you really need it 😂😂

[@HoustonTom]

You can always spot people that have never faced a market downturn. They risk dumping everything at a loss.

[@gent2205]

I love that dude. "Well it's on the gravel, but it's still comfortable." Such a positive way of thinking.

[@HiddenFiles]

Graham: "I dont have anything bad to say about him" .0003 seconds later Guy: "I dont have a savings account"

[@ricelife6336]

“I sold my Porsche Turbo because it was too fast...” F in the chat :(

[@Timtimzi]

F

[@SeetheAutmon]

F

[@Sebbe40]

Big F

[@carsnob]

🤦‍♂️

[@tristenknight3551]

F

[@vanshikasharma8053]

Last time I was this early, I was spending money on Starbucks.

[@TheGrahamStephanShow]

NooOooOo

[@vanshikasharma8053]

The Graham Stephan Show You’ve motivated me to start a blog for Personal Finance in the Indian context. Someday I’ll come on your show if you go international!

[@karolynnparker]

Expert advice: get a part time job @ Starbucks . Get free coffee every shift and free food.. and 30%off everything when not working. Plus a check every 2 weeks for making coffee :)

[@asparceproton1]

As a car enthusiast, my biggest reaction of the video was him selling a MANUAL 997 Turbo and trading it for a brand new Audi Q8. Nothing wrong with having an Audi working in real estate, but go to certified preowned at the very least. Let some other sap take the brunt of that depreciation.

[@FinancialShinanigan]

Graham's hidden storage might be filled with Starbucks coffee lol

[@sidds3180]

I'm very conscious of not clicking on Millennial Money videos because I only want to watch it with Graham :)

[@williampisano7573]

The Porsche was to show off to get the girl friend and then he realized he didn’t understand what he got into buy a manual 911. Once he got the girlfriend she need a nice car aka he wanted her to be happy so he is happy and also explains 30 dollars a day food expense.

[@Big-Government-Is-The-Problem]

yep, the girlfriend with a son was likely the reasoning for selling the Porsche and getting a 4 door car.

[@nmdc93]

Honestly thought it was a womans voice and then graham said "guy" . Mind blown

[@toonmili03]

I thought he was trans until I saw his legs. His nose, his voice, hair and skin is very very feminine and not in the way that some men are effeminate. Idk. Interesting guy.

[@matthewmcb1089]

Graham at the beginning of the video: cash doesn't keep it's value, "cash is trash" Graham near the end (14:35): cash keeps its value

[@justalittlebitmo]

He's probably eating out vegan. Gets expensive, but he probably sees it as an investment in his health. That's like my in-laws.

[@dew62169]

"Health"

[@justalittlebitmo]

@@dew62169 👌

[@justalittlebitmo]

@Nathaniel Gillis yes. And he had vegan meat in his fridge.

[@andreferrer9350]

The way he looks right now, i believe he will need meat soon

[@EwYoureCringe]

It looks like its working, he lost 90lbs in 6 months

[@Ndasuunye]

I'm a millenial and I NEVER had lacroix a day in my life. I don't even drink soda. I'm a weird millenial.

[@johnlab3629]

Hey graham, I noticed you always have a nice time piece on. Would love to see a watch collection video, because I have a feeling your a secret collector

[@kingevishesh]

Graham: They should have made the frig shot smother. Also Graham: 10:42

[@jin394]

I've been watching Graham for awhile and its been a delight getting to see him slowly turn more and more into a cat person since he found Ramsey.

[@skhoakproductions3691]

guy: tries to buy family car Graham: NOOO F THE FAMILY GOTTA GO ZOOM

[@IL_Bgentyl]

He was looking at in terms of value and retaining value. He was up charged on the brand not its utility.

[@paulkaehn6203]

@badassdahn Nah he had her make her own channel lol

[@MadisonFalcoFoods]

I wish you could’ve heard my laughter about your initial face when he said “I don’t have a savings account” hahahahaha omg lmao Looked exactly like that little girl in the car meme

[@jamjamc]

**he is a real estate appraiser ** Music to Graham's ears! 👂🎶🎵

[@LeBeanie]

I think he skipped out on a savings account and invested it into cans of La Croix instead.

[@markhottman2652]

8:45 “ I avoid drinking Alcohol a lot” Gentleman; Good Decision. You millennials might have things in order. Cheers to; Good Decisions!

[@saawanduvvuri5659]

I live in Fort Worth so I was surprised when it said Fort Worth, Texas.

[@harknowhere]

Graham’s face when he said he doesn’t have a savings account right after saying there’s nothing he wouldn’t get mad about 😂

[@NescoGaming]

Awfully descriptive of the hidden door behind that picture 🤔🤔🤔 “I don’t have anything like that” sounds like something someone would say that does have something like that 🤔🤔

[@otherryan]

I thought Graham was going to talk about buying a Tesla but the new Audi really stole the spotlight

[@ryaanibtisam1818]

As a Porsche (Porsh-uh) owner, every time Graham said Porsche the wrong way, a little bit of me died hahaha. Loved the video btw

[@ReeceIovine1]

Wait for it! Millennial Money 😁

[@BlakeAlexander12]

Dude $280k a year here in North Texas, ESPECIALLY in cheap cheap Ft. Worth, is like making 2-3x as much

[@OfficialBenHall]

i am face palming at him buying a brand new audi Q8 because in a couple years it will be worth half the price he paid

[@eliubfj]

It probably already lost 40%

[@ricelife6336]

It made me a little flustered lol. All he had to do was wait a couple of years and it would of been easy 40-50k, however I still wouldn’t buy it and prefer the 911

[@Dance1617]

I couldn't imagine spending that much money on anything that isn't REALLY special. Like a rare sports car that will hold its value at least somewhat. Not an effing SUV.

[@AndyTranfl]

I bet you the gf had something to do with it

[@shanellewhyte9363]

Sending love from Trinidad! 🇹🇹 I get really excited for your videos!

[@jacksonburch5337]

“Why does he spend $1,000/month on food?” - Because he has to eat away the pain of sounding like winnie the pooh

[@zp61]

lmao

[@ckl2172]

Savage

[@sbollin9340]

Yes!!! I saw the episode on my recommendations last night and screamed out loud “OMG yes!!! Graham will have a new video tomorrow!!!!” My boyfriend looked at me like I was crazy 😂

[@l.y9357]

I went to sheetz and got a hot dog and I wanted to get tomatoes and jalapeños on it but that added $.40 so I said “nope.” Thanks for turning me cheap graham 😂❤️love the videos as well

[@ericyuan9718]

40c for tomatoes is worth it. That's not bad at all.

[@carsonkeller300]

Get yourself a sheetz card it’s worth it

[@123whitehorse456]

I used to drive past his rooftop deck after work when I lived in that area and always thought it was so cool!! Now I know what I gotta do to get one.

[@roxava17]

Me: *sweats nervously paying $200 a month for a facial*

[@amberwilson8775]

😂😂😂

[@Big-Government-Is-The-Problem]

i can give you a facial for free 🤣. im sorry, i couldnt resist lol

[@Dance1617]

@@Big-Government-Is-The-Problem yikes!!

[@roxava17]

@@Big-Government-Is-The-Problem I was expecting more comments like this hahahaha

[@ATasteOfBeauty]

I thought everyone was screaming about the government but it’s just the guy’s username

[@leftclick2046]

10:40 I thought I had a stroke. Had to go back and see just to make sure lol

[@tracy_cakkes]

It said in the description of CNBC’s video, that he made more like 380K and he only pays himself 280K whatever that means 🤷‍♀️

[@saraashkir5793]

Also $10,000 a month is $120 k a year (lets say $130k cuz it was a bit more than $10k a month). Where’s the other $160k going?? Its not taxes cuz thats over 50% (and he invests a lot into IRAs and should get tax creds from his properties). So wth is that money breakdown lol

[@theAppleWizz]

That just means that he's business makes 380K and pays himself 280K from that.

[@tracy_cakkes]

Sana Shakir your right that is weird 🤷‍♀️ Now I wanna know where it went lol

[@tracy_cakkes]

theAppleWizz that’s what I figured

[@nickwright6759]

@@saraashkir5793 i was wondering the same thing and why graham didnt address it.

[@thomasflii]

I’m 23 and looking into becoming a real estate appraiser! This video just came on my recommended at the best time

[@cristianmateescu1238]

Did anyone hear him saying he has 1.7 mil in debt

[@TheGrahamStephanShow]

That’s ok, he makes enough and it’s on cash flowing property

[@cristianmateescu1238]

Patrick Johnson yep

[@cristianmateescu1238]

The Graham Stephan Show thanks love the millennial money series

[@Je.rone_]

😮

[@digitalleighton]

Cristian Mateescu Property Debt, thats why. Mortgages gotta get paid regardless.

[@adriconrad]

LOL Graham: I don’t think I’m going to disagree with anything. Terrence: I don’t have a savings account! Graham: *screams internally*

[@therealdavidleong]

13:35 "I don't have a savings account." **Graham: ಠ_ಠ**

[@johnduffy9088]

Is the this first guy Graham hasn’t yelled at. He literally agreed with him on a lot of things

[@chrishewittpiano]

Did you watch the whole video?! Graham was appalled at him buying a new Audi! He literally said "No! Bad! Don't!" like a lot haha near the end of the video,

[@nobodythatyouusedtoknow5760]

Graham: I don't think I'll disagree with him on anything * Immediately starts disagreeing. * Me: ( ಠ_ಠ)

[@noelleleasure1178]

I heard his computer ping and automatically smashed the like button! Graham has me so conditioned lol

[@robertrouillier6319]

Graham. Why are you paying so much for T-Mobile? I have unlimited & I only pay $40 per month? I think I could save you $30 a month on your phone bill.

[@chrisbarron379]

Yes GRAHAM THANK YOU. I needed this so bad I’m a 20 year old from Los Ángeles, CA. Maybe we could meet up soon Graham

[@joshclifton7088]

Graham- He’s smart I don’t think I can get mad at him for anything Guy- I don’t have a savings account. Graham- (shocked Pikachu)

[@tyrellnelson3682]

$110 /month, 2 phones, unlimited everything?! I could only dream. In in Ontario, Canada, $110 would get you 5GB and one phone, no joke, living here is a nightmare.

[@jlovesj3335]

Mines is $50 a month

[@KT-nt8ks]

Oh I live for the Saturday morning videos... Graham: I don't think there's anything in this video that would make me upset ... Guy on video: "I don't have any savings..."

[@DanaYi13]

I watched the original video and immediately thought "his story is a bit like graham's, HE BETTER REACT TO THIS"

[@joshberris8336]

Let's get the salesman that sold him the Audi on the show 😂

[@Omikoshi78]

Ramsey 😂 Dave! bad boy! No eating toilet papers 😂😂

[@collinsheehan5032]

What was that glitch/ video spaz out at 10:40-10:43

[@TheGrahamStephanShow]

No clue!

[@alexisModern]

He’s evolving to Stephan

[@altercaze]

I thought me phone’s broken... rewatched a couple of time to make sure, lol

[@TheIcedCoffeeHour]

Sometimes IMovie just glitches out. When reviewing this in iMovie it didn’t have it, then when you save it as a file, iMovie does it’s own thing. 🤷🏼‍♂️ happens every once in a while

[@jessb7454]

Is no one going to acknowledge that the fridge is stocked with only LaCroix and like 40 loose eggs?!

[@nascarstopmotionandmore4266]

His pet expenses are actually really good. $43 with a cat is good.

[@TheGrahamStephanShow]

Yeah!

[@rudypaz463]

It’s decent since in Texas a big bag is only 20 dollars

[@Ian-bt8dz]

So true, my cat is hell bent on bankrupting me!

[@abdrizakmohamud6164]

@@Ian-bt8dz get rid of it then

[@shantralarharris2893]

I spend $20 a month of my cat

[@salvador1683]

Graham: the cat looks so angry ..... 12:02 Also Graham: so cute

[@thefemmeguide]

*did he just say he has 1.7 million in debt* and Graham said *nothing?* 👀😳 Is this even Millionaire reacts?

[@TheGrahamStephanShow]

ಠ_ಠ haha it’s rental properties though!

[@lukas4866]

Sometimes, you actually need to get in debt to grow your net worth, especially in real estate it is the most common way to invest

[@legendaryasi]

The outdoor gym setup deserves it’s own 👍🏽

[@marketslice5030]

A $20 cocktail = 100 Graham Stephan coffees

[@RS-xq4hf]

Wow that’s a great way to look at it. So not worth it!

[@spencerleo5126]

graham is the only KZbinr that convinces me to hit the like button every time he asks me to.

[@DivineFrag]

You ain't finding no Q8 for 45000. That model literally just came out. Cars with that specific design are notoriously good value holders, stuff like the X6, the GLE Coupe, the Q8, the Urus etc.

[@edwink1467]

Uhhhh no they are not "notoriously good value holders." No cars, luxury or mainstream, are "notoriously good value holders" unless they are special, like being a super/hyper car, the limited edition model, or discontinued models that are desirable. Think something like the Mercedes SLS AMG Black Series, McLaren P1, the original Ford GT, the original Toyota Supra, the original Land Rover Defender, etc. These cars barely lost any value over the years and some even appreciated, but notice how you almost NEVER see them on the streets? That's because they are *rare!* But a mass produced Audi or BMW SUV that's available on your local Audi or BMW dealer's lot? Lol they will be worth 1/2 or even 1/3 of their original MSRP within a couple of years of ownership. Those Mercedes AMG or BMW M models do hold their values a little better than their regular counterparts, but still nowhere near being "notoriously good value holders." Go on any used car website and search for them yourself. A 2016 BMW X6 xDrive35i can be purchased for $26-30K depending on mileages, but a brand new one easily costs over $75K depending on trim level and options. You call cars that lose $45K or 60% in value in five years "notoriously good value holders?" However, the last car on your list, the Lamborghini Urus, is different and shouldn't be put on the same list since it costs at least three to four times as much as the other SUVs on the same list because well... it's a Lamborghini...

[@l8Os]

With under 10,000 miles the q8 is selling for $50-55,000 . So much for “good value holders” . The only good value holder Audi makes is last gen manual R8’s . Even regular r8’s lose hundreds of thousands.

[@RaineKugami]

I always said i wanted a secret room or closet hidden behind a bookcase like in Scooby Doo, glad someone else has this idea too

[@teku6266]

This dude seems so chill and nice and his cat was cute ;)

[@ryankbr]

was waiting for this one!!

[@denchikshultz3080]

Guys don’t buy a 5 year old audi q7 it’s a money pit when it comes to the maintenance

[@hoangakahowie]

I live in Fort Worth and there are a ton of restaurants and bars next to where he lives thats why his expense for food is so high

[@DNMWHOA]

"Don't have the space for a home gym" *is worth several million dollars* LEVELS!

[@zwaveevents]

I'm an appraiser and I have met this guy. Most appraiser's make around $150k a year if they are working 5-6 days a week (a lot of the older ones make $75k a year and work 3 days a week). Most of us also own investment properties and hold a real estate agent license. The reason the number of appraiser's is so low it the high barrier to entry. You need a college degree and then a 2 year apprenticeship which is often unpaid or only paid at minimum wage. Most people with college debt can't afford to live on minimum wage for 2 years or go 2 years without being paid. However, the income is good, you set your own schedule, and you can normally type your reports from home and because of our many connections we can normally get properties around 20% below market when we buy them. I'm also younger than this guy so it's not all old folks some of us sucked it up did the 2 years eating ramen and are now enjoying the income and freedom that comes with appraising.

[@jackadair7188]

I love learning all this. Being 14 I wanna get an early start financially.

[@aytacboduroglu4448]

Right after watching this video i started looking at the prices of q8’s and you can find a bunch for 50k with 5k miles lmao

[@WhoDevv]

10:41bruh lmaooo

[@yournan6546]

You really are here for the early people Graham!

[@TheGrahamStephanShow]

Of course!