My Worst Financial Mistake (The #1 Wealth Killer)

[@GrahamStephan]

Thanks so much for watching - let me know if you like this “style” and I’ll do it more often, definitely way more relaxed! Also, thanks to CookUnity for sponsoring! Get 50% off your first order of CookUnity meals - go to cookunity.com/graham50 and use my code GRAHAM50 at checkout to try them out for yourself! Thanks to CookUnity for sponsoring this video!

[@Andychangftw]

Keep this style Graham, you’ve inspired me to get back into long form videos instead of just making shorts. You have proven that if one is passionate about something, they’ll figure out how to make it work, especially on YT.

[@fidelgomez165]

I definitely like this New Style.. I am a Realtor as you are, and I also invested in Rental homes as well at the beginning of my career 25 years ago…. And I honestly think your videos give great advice to future home buyers and Future investors,,, DAC is definitely the best way to start investing in any market nowadays.. thanks a Lot for your time and dedication….

[@BrandonWestfall]

It terrifies me how many people think credit cards are “free money.” So many of them open cards just to blow the money with no intent to pay them off.

[@marioc11]

Great job buddy, I’m thinking myself about starting a KZbin channel with similar content in Spanish, let’s see how it goes, you inspired me, thank you

[@donniep.1513]

I really like this style ❤

[@nicolasbenson009]

I used to work as an investment advisor. The advice presented in the video is excellent and holds true for the average American. While it's a fact that money can't directly buy genuine happiness, it does provide the means to access experiences that can lead to happiness. However, for individuals with a substantial portfolio, say around $5 million, if you observe closely, you'll find that most people in their 70s are still quite active (I live in LA), but by the time they reach 80, their activity levels tend to decline. So, it's essential to enjoy life at some point before it's too late. That enjoyable vacation might well be the experience that brings comfort in your later years. It's important to distinguish between spending money wisely and squandering it. Be prudent in your value-conscious spending.

[@BridgetMiller-]

Experienced the same thing. The financial counselor we met with last year told us, "Guys, you've already made it," even though my spouse has retired. Stop delaying enjoyable activities in life.

[@tatianastarcic]

It's often true that people underestimate the importance of financial advisors until they feel the negative effects of emotional decision-making. I remember a few summers ago, after a tough divorce, when I needed a boost for my struggling business. I researched and found a licensed advisor who diligently helped grow my reserves despite inflation. Consequently, my reserves increased from $275k to around $750k.

[@berniceburgos-]

this is definitely considerable! think you could suggest any professional/advisors i can get on the phone with? i'm in dire need of proper portfolio allocation

[@tatianastarcic]

Well, there are a few out there who know what they are doing. I tried a few in the past years, but I’ve been with Melissa Terri Swayne for the last five years or so, and her returns have been pretty much amazing.

[@Michaelparker12]

Appreciate this recommendation, hopefully I can get some insight to where the market is headed and strategies to beat the downtrend with when I hear back from Melissa.

[@Jamesjerome0]

good job with these videos trying to avoid financial mistakes, Recently bought some recommended stocks and now they are just penny stocks. There seems to be more negative portfolios in the last 3rd half of 2023 with markets tumbling, soaring inflation, and banks going out of business. My concern is how can the rapid interest-rate hike be of favor to a value investor, or is it better avoiding stocks for a while?

[@AmithKaury]

Find quality stocks that have long term potential, and ride with those stocks. I have found it takes someone who is very familiar with the market to make such good picks

[@kurtKking]

The truth is that this is really not as difficult as many people presume it to be. It requires a certain level of diligence, no doubt, which is something ordinary investors lack, and so a financial advisor often comes in very handy. My friend just pulled in more than $84k last month alone from his investment with his advisor. That is how people are able to make such huge profits in the market.

[@Kaustavpatell]

nice! once you hit a big milestone, the next comes easier.. who is your advisor please, if you don't mind me asking?

[@kurtKking]

Well, there are a few out there who know what they are doing. I tried a few in the past years, but I’ve been with 'MICHELE KATHERINE SINGH' for the last five years or so, and her returns have been pretty much amazing.

[@Kaustavpatell]

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

[@banishedprivateer]

Feels more natural, less scripted, less robotic and less intense. I can relax more listening to stuff like that.

[@GrahamStephan]

Thank you!

[@PuffPastyHangman]

Totally agree

[@youran1312]

This❤

[@ivator]

​@@GrahamStephanjust button up your shirt one more😂 for the rest I like the new format way more

[@bribri0612]

Agreed

[@brianwhitehawker1756]

Market highs can sometimes be followed by corrections, but predicting the timing and extent of it is challenging. I've heard some analysts talk about a 'massive' correction. It makes me wonder if it's time to adjust my $2M portfolios or maybe even consider some defensive investments.

[@yeslahykcim]

the strategies are quite rigorous for the regular-Joe. As a matter of fact, they are mostly successfully carried out by pros who have had a great deal of skillset/knowledge to pull such trades off.

[@Jadechurch-ql3do]

You have a very valid point, I started investing on my own and for a long time, the market was really ripping me off. I decided to hire a CFA, even though I was skeptical at first, and I beat the market by more than 9%. I thought it was a fluke until it happened two years in a row, and so I’ve been sticking to investing via an analyst.

[@lucaswilliams9992]

Please can you leave the info of your lnvestment advsor here? I’m in dire need for one

[@Jadechurch-ql3do]

Laila artine kassardjian' is the licensed coach I use. Just research the name. You'd find necessary details to work with a correspondence to set up an appointment

[@oli0808]

@@Jadechurch-ql3do I've researched this guy and they did time for domestic abuse. Not sure I would do business with them.

[@alejandroguerrero7841]

Im at $15,000 in the bank.. no debt and im loving it.. living on less than you make and believing that you can is one heck of a step in achieving it

[@sdrc92126]

Money in the bank is losing purchasing power.

[@estebanhenriquez3491]

My man, way to go! Just like you, I’m debt-free, living on half my monthly income, and I’m currently at $11,000 in a High Yield Savings Account. Whoop, whoop!

[@alejandroguerrero7841]

@@sdrc92126 it’s my emergency fund. I understand over 10 20 30 years, it’s going to lose purchasing power but I have investments that will offset that. 15% invested since I’ve became debt free. Life’s good

[@alejandroguerrero7841]

@@sdrc92126 it’s in my Capital One savings account which was 4.35% but last month dropped to 4.25%

[@Rocketleaguedude101]

Any car debt or did you pay that off?

[@BrewerVera]

I am a little worried about growth projections of funds i kept in a HYSA north of $80k, I aim to avoid FOMO and look at buying at the dips. Am I better off investing into Gold as it seems stocks are a little too unstable right now?

[@RoseGuerra7862]

Overall, most traders or investors still think this year would favor stocks, and other equity-based investments over cash-like investments. Don't put all your eggs in one basket; instead, diversify into different asset classes to mitigate risk. If you lack extensive knowledge, consult a financial advisor.

[@martinheaway]

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.

[@JaneClark7861]

This is definitely considerable! think you could suggest any professional/advisors i can get on the phone with? i'm in dire need of proper portfoIlo allocation

[@martinheaway]

Amy Desiree Irish is her name. She is regarded as a genius in her area and works for Empower Financial Services. By looking her up online, you can quickly verify her level of experience. She is well knowledgeable about financial markets.

[@JaneClark7861]

She appears to be well-educated and well-read. I ran an onlline search on her name and came across her webslte; thank you for sharing. I sccheduled a caII..

[@holdforfreedom7784]

Graham. Been a long term subscriber. Love the new format. It matches your authentic content more accurately. Thanks

[@GrahamStephan]

Ah thanks!

[@annaj.osorio]

Thank you so much for this video but in these uncertain times, it is more important than ever to have a solid understanding of how to manage your finances, invest wisely and navigate economic downturns. But my primary concern is how to grow my reserve of $240k which has been sitting duck since forever with zero to no gains.

[@LejlaGöransson]

Just ''buy the dip'' . In the long term it will payoff. High interest rates usually mean lower stock prices, however investors should be cautious of the bull run, its best you connect with a well-qualified adviser to meet your growth goals and avoid blunder

[@ErinWarner-zc9jy]

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.

[@DanielOrstein]

This is definitely considerable! think you could suggest any professional/advisors i can get on the phone with? i'm in dire need of proper portfoIlo allocation

[@ErinWarner-zc9jy]

Viviana Marisa Coelho is her name. She is regarded as a genius in her area and works for Empower Financial Services. By looking her up online, you can quickly verify her level of experience. She is well knowledgeable about financial markets.

[@Jaymilnere]

Just discovered your channel with this video -- case studies are extremely useful and I'd like to see more in the future! Creating wealth entails establishing routines, such as setting aside funds at regular intervals for sound investments.

[@Higuannn]

Indeed, currently I'm managing my finances wisely and being frugal. In the last 19 months, my investments grew by 43%. However, I've had losses in the past month, making me anxious. I'm unsure whether to sell everything or wait.

[@Angelavaldess]

@@Higuannn It’s important to consult with a financial advisor before making any investment decisions.

[@hullbruce]

@@Angelavaldess Yes true, I learnt that in 2020, when I lost almost everything. But I switched to using a financial advisor and I've been returning at least $98k every month so I’ve been sticking to investing via an Advisor.

[@Aurierserge50]

@@hullbruce Hello, I'm new to this space and i've been getting suggestions to use one for a while, how can i find a decent one like the one you use?

[@hullbruce]

@@Aurierserge50 I work closely with the popular lady Alicia Estela Cabouli, After she appeared on Bloomberg where she was featured. I looked her up and reached out on her web page to set an appointment. You can do same.

[@psnisy1234]

Saving your first 10k is nothing, but saving your first 100k is super tough.

[@pokehunteroficial6057]

That's cuz as soon as you save it you spend it. You r not doing 100k over night, its a process. Just trust the process, your time will come. Just keep adding to the pile and forget it exists.

[@Netizen_101]

First million feeling like a crawl…the market plays with my feelings the last few weeks.

[@DannyBrooks1]

Then just save 10k ten times.

[@shawnchristianson324]

10k isn’t easy until you have no debt.

[@mychan5875]

It all works though. Slow, arduous but anyone can do it. The earlier the better. Let the money work for you and compound so you don’t have to work so hard playing catch up.

[@Raniyanhunter]

Amazing content! I've been following your videos for some time now, consistently kicking down Wall Street doors for two years. I have over $320k in stocks and dividends. Currently, my portfolio is down by 15%. Wondering if there are any short-term opportunities I can invest in.

[@garnold-l5p]

I think a good investment portfolio should have three basic things: ETFs for diversification, dividend stocks for cash flow, and leading tech stocks. With your budget, it's a good idea to talk to a fiduciary financial advisor for expert advice.

[@Mlanderos-t9e]

I agree. Based on my personal experience working with an investment advisor, I currently have over $350k in a well-diversified portfolio that has seen exponential growth. It's not just about having money to invest in stocks; you also need to be knowledgeable, persistent, and have the strength to hold on during market fluctuations

[@Anessa-gibson]

Thanks for sharing your experience! I’ve been managing my portfolio myself, but it’s not working out. Do you have any recommendations for a good investment advisor? I could really use some help.

[@Mlanderos-t9e]

I'm cautious about giving specific recommendations since this is an online forum and everyone situation is unique, but I've worked with ''Teresa L. Athas'' for years and highly recommend her. Look her up to see if she meets your criteria.

[@Anessa-gibson]

Thank you so much for the suggestion! I really needed it. I looked her up on Google and explored her website; she has an impressive background in investments. I've sent her an email, and I hope to hear back from her soon!

[@minorfunds]

Bro was feeling hot in the studio today.

[@GrahamStephan]

LOL

[@danielvargas4625]

😂😂

[@JoeySmith101]

soft launching his OF account

[@rodrigotenorioyahoo]

Bro is a freak fr

[@UnibrowBandit]

He saved 35 cents by unbuttoning his shirt and not running the AC.

[@maverickf13]

I love the less scripted version of your videos. I want to hear how you think about life and hear about your experiences like this! 10/10!!

[@Keller615]

The last section is 100% the most important part to me. Mainly the part about not wanting to do something but then after you go do it you almost never regret it and are happy about involving yourself. Not only does it expand your chances of very positive things to happen but it also makes you feel happy on the inside afterwords.

[@priyankabcdefghijklm]

You relay things very well. You’re super reasonable and logical without sounding harsh or abrasive. Appreciate your sensibility while also emphasizing self discipline.

[@Lea_LSD]

Loving the change, I'm so glad you value your audience and your authenticity. As a long time sub I really appreciate this, thank you ❤

[@Joegolberg1]

I lost over $80k when everything started to tank. Not because I was in an exchange that went belly up. I was just stupid to hold and because that's what everyone said. I'm still responsible. It just taught me to be a better investor now that I understand more of what could go wrong. It took me over two years of being in the market, I'm really grateful I found one source to recover my money, at least $10k profits weekly. Thanks Walter James Henry

[@Joegolberg1]

@Gainwithwalter7

[@Justinfred11]

Nice to see this here, Walter James's understanding of market indicators is impressive. he knows exactly when to enter and exit trades for maximum profit. his signals are top notch

[@JamesMargie11]

I'm so impressed knowing how much people talk good about his expertise.Over the years, l've been a part of numerous trading programs, sifting through a barrage of information. Yet, nothing has come close to the sheer clarity, depth, and precision of Walter"s insights. It's akin to finding a diamond in a coal mine

[@nancymcmonarch]

@@Justinfred11 Not buying it. If he's such a financial wizard, why can't he afford to pay for real advertising, versus tacky-ass KZbin spam?

[@gagnepaingilly]

I'm a 48-year-old doctor feeling burnt out from long hours and stress. I've never invested in a retirement portfolio because I've always believed the economy would collapse eventually. However, I plan to retire soon and I'm curious: If you had north of 160k to invest safely in stocks over 4-5 years to grow, how would you start?

[@sommersalt88]

I would avoid index funds, mutual funds, and specific stocks for the time being. Right now, the best option is a fixed income of five percent.

[@kansasmile]

My advice to you is this : if you want to grow big this year especially in your finances. Be willing to take risks. Saving is great but investing puts you on a pedestal where you wouldn't have to worry about savings as you do now. Thanks to my FA, my portolio is doing really great and i'm proud of the decisions i made last year.

[@CoolestGuyInTheRoom]

​@sommersalht88 hahahahahahahahahahahha

[@blaquopaque]

@AntagonisticAsian I've been considering but haven't been proactive. Can you recommend your advisor? Could really use some assistance..

[@blaquopaque]

Thank you for sharing, I must say, Jennifer 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 a call.

[@jamesweldon8118]

I love that you’re bucking the trend of “retention editing” and super fast paced talking

[@crzycolchris]

jumpcut, jumpcut, jumpcut.... even when a cut isn't needed.. jumpcut

[@spacetoast7783]

I am watching on 1.5x

[@shakirai9827]

Yes, I definitely like this video format. Great job! 😊

[@GrahamStephan]

Yay! Thank you!

[@elnoraabduqadir2297]

Great video!

[@MomoHitsujiOwO]

Agreed! I prefer this format because it feels more relatable to me ❤

[@cartagenadaniel1973]

I’m 50 and this is all good stuff for me and my kids. Always a good refresher. Keep it coming. I love this over the constant news broadcast stuff you were doing.

[@THE5TU9MUFF1N]

I’ve been listening for years and I can confidently say this is by far my favorite video you’ve ever made. Great advice and very inspiring

[@honeydewim]

Best Advise between 16:40 and 17:10.. You Rock! Worst Advise - The meal plan company sponsored ads. All these meal plan companies are money making business. Someone motivated can do better in their kitchen than relying on these meal plan subscriptions.

[@mikes-wv3em]

I LIVED OFF SAMMIES FOR A YEAR. ROAST BEEF, STEAK , LOBSTER POORBOYS. STILL CHEAPER THAN A "MEAL PLAN"

[@fidelgomez165]

This style makes you feel and sound more sincere and down to earth.. Thanks a lot for all your great videos

[@TheJackCain-84]

These are very valuable rules for anybody who wants to get rich. Unfortunately, most people who will watch this video will not really be able to apply the principles. We may not want to admit, but as Warren Buffett once said, investing is like any other profession-- it requires a certain level of expertise. No surprise that some people are losing a lot of money in the bear market, while others are making hundreds of thousands in profit. I just don't know how they do it. I have about $89k now to put in the market.

[@JacquelinePerrira]

Understanding personal finances and investing will most likely lead to greater financial independence. By being knowledgeable about money and investing, individuals can make informed decisions about how to save, spend, and invest their money. I know someone who made over $350k in this recession influenced market, but to the best of my knowledge, it was through a financial advisor.

[@Jamessmith-12]

True, initially I wasn't quite impressed with my gains, opposed to my previous performances, I was doing so badly, figured I needed to diverssify into better assets, I touched base with a portfolio-advisor and that same year, I pulled a net gain of 550k...that's like 7times more than I average on my own.

[@kevinmarten]

please who is the consultant that assist you with your investment and if you don't mind, how do I get in touch with them?

[@Jamessmith-12]

When ‘Carol Vivian Constable’ is trading, there's no nonsense and no excuses. She wins the trade and you win. Take the loss, I promise she'll take one with you.

[@kevinmarten]

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.

[@samueltyler9903]

I unsubscribed from your channel after 3-5 years of being a daily viewer because of all your clickbait content. This reminds me of your early real estate videos that inspired me on a genuine/personal level. Appreciate you Graham, enjoyed this video thoroughly.

[@natem2367]

Clickbait is part of youtube. Get more subscribers and then give good info. If someone doesnt click, one cant learn anything from Graham.

[@tonysilke]

So how exactly can we guard against the coming financial reset for 2024? Like what are really the best strategies to make our portfolio recession proof against the incoming financial reset? I'm very worried about my $110k stock portfolio.

[@PatrickLloyd-]

I feel investors should be focusing on under-the-radar stocks, and considering the current rollercoaster nature of the stock market

[@JefferyDuns]

People often underestimate financial advisors' importance. Over 50 years of data reveal that those who work with advisors typically earn more than those who go it alone. I've been fortunate to work with one for 13 years, resulting in a $1 million portfolio, largely from early investments in AI and other growth stocks.

[@PhilipDunk]

This is definitely considerable! think you could suggest any professional/advisors i can get on the phone with? I'm in dire need of proper portfolio allocation.

[@JefferyDuns]

Finding financial advisors like Sharon Ann Meny who can assist you shape your portfolio would be a very creative option. There will be difficult times ahead, and prudent personal money management will be essential to navigating them.

[@PhilipDunk]

She appears to be a true authority in her profession with over two decades of experience. I looked her up on the internet and skimmed through her site, very professional. already sent her an inquiry hoping for a response soon.

[@windupmerchant1679]

My Worst Financial Mistake (Listening to Graham Stephan)

[@evelina2363]

“Don’t wait for things to happen…because it won’t”

[@TheFinanceZone]

Yes much so prefer this style of video rather than the fast edits and sound effects. Thanks graham!

[@MDDiscGolf]

I couldn't agree more with this video! As a 25 year old man this is the video that my entire generation needs to hear! We need to stop playing the victim and begin taking control of our lives!

[@evanhrivnak4630]

I’ve been with you since 30k subscribers keep up the good work brother!

[@ImJustMar]

Love that you touched on a healthy lifestyle, people get so caught up on money and having fun they neglect their bodies

[@bonic4]

Keep it up Graham. Proud of you!

[@GrahamStephan]

Thank you, that means a lot!

[@MichaelDillin]

Dave Ramsey would say there’s plenty of lenders that will lend you money if you have $100,000 down on the house no matter whether you have a credit score or not he would say you’re going to the wrong lender

[@eliananyanya]

The failures and regret section resonated with me the most. I had opportunities in high school to achieve and do amazing things, but I stopped myself from lack of certainty, confidence, self-doubt, and self-worth conversations. I’m seeing the pattern again in my mid-20s and I’m ready to choose differently. I will start with taking s few days to write exactly what I want for my life and what changes need to be made, and how much I’m willing to pay for those changes. 🙂

[@tyleradams9845]

Mid-20s is such a great time to get things together. You haven’t missed the opportunity, you’ve got this!

[@burmakara]

hello Stephan and greetings to all, I would like to mention to you the book The Hidden Truths Of Wealth, which talks about the mysterious secrets of attracting money and building massive businesses, simply genius, and thank you for such a good video!

[@matthewthompson0]

Where did you find that book?

[@ryan-patel]

Who is the author?

[@burmakara]

Author is Oliver Mercer

[@burmakara]

Borlest ( I found it there, maybe it still exists there idk )

[@michaelnguyen9027]

Out of all my financial channels that come across my feed, I always skip over yours, but this one is different. You sound less pretentious and less arm flailing than your other videos. Loved it graham.

[@Peopleareweird20]

Best thing you can do for your finances is cut out unnecessary purchases and save as much as you can if and when possible. It's difficult in today's economy but it's still possible and achievable. Peace and good luck guys. Stay safe 🙏🏼 and do the best you can.

[@WeBeatMedicare6969]

I used to work out every day and was in best shape of my life…poor AF…stopped going to gym and worked two jobs and saved 100K in two years…some day I’ll find a happy medium but I’m so far behind in life that I have to catch up 🤷‍♂️…

[@SF-fb6lv]

100k saved up is huge. It will start taking off on you. Hard part's already done...

[@TooslowTA]

I’ll never give up the gym. I’ll work two jobs plus the gym if I have to. The gym is therapy for me.

[@dianamageto4706]

Gym is a scam​@@TooslowTA

[@CoMic95]

Please make more videos like this! I enjoy watching all of your content. I personally prefer your unscripted videos but I also enjoy your scripted videos too. Both are very informative and it feels like we get to know you more as well. Your real supporters enjoy both forms of content. Please don't feel pressured to stick to an upload schedule or to make a certain amount of scripted versus unscripted videos. We will support you no matter what you upload; regardless of how often. I'm always happy to get a Graham Stephan video in my recommended videos feed🙂

[@PhelimGabriel]

Thanks for sharing FET and AMS89H. 💯

[@ramabitla7508]

thanks for sharing, I just bought it

[@gurshanbrar74]

AMS89H is still extremely undervalued

[@krish8357]

very promising

[@nkedit333]

It is funny that not everyone knows about AMS89H

[@SurendraLahre-ih7fi]

I've heard lots of people from X and Facebook talking about this one

[@JoshuaMarsh-sp8ee]

absolutely prefer this video style bro! I can actually pay attention better to the calmness of this!

[@richhands5269]

My three favorite channels: Graham Stephan, Stock Brotha, & How Money Works. Make my week complete! 🔥 🔥 🔥

[@Aarrenrhonda3]

Newbies need to learn the ropes, know how much risk they can handle and diversify their portfolio. Some folks get help from money experts or do their homework before making investment moves. It's all about being smart with your funds.

[@Rachadrian]

Nobody knows anything; You need to create your own process, manage risk, and stick to the plan, through thick or thin, While also continuously learning from mistakes and improving.

[@Olsontim21]

I agree, having the right plan is priceless. My portfolio is well-suited for any market and recently doubled since early last year. My CFP and I are aiming for a seven-figure goal, which might take another year to achieve.

[@VictorMTaveras]

We are screwed

[@BlackChariot24]

The number one mistake is being poor in the first place and I can say that with confidence since I’m 21 and skip meals to save money

[@dannysullivan2731]

Love this format man!

[@GrahamStephan]

Thank you!!

[@SandieCastaneda]

This is relevant even to me, a 41 year old female moving to another state. Thank you for this content. Note: I think you should have your own show where you interview guests. You can also do the occasional solo shows but also focus on other perspectives. I understand that you have the iced coffee hour, but I like these more personal sessions lol 👍🏽👍🏽🙌🏽

[@happyzahn8031]

On building credit. Part of the game is that you can put your kids on as authorized users on your credit card. They will get a card in the mail but they never have to see it. They will get a separate credit score based on your score and when they are old enough, just remove them from the card. Gives them a good credit rating (assuming you have a good rating) and they don't have to do anything. At least that's how it worked in 2022.

[@Totomuncher]

Got to remember also when putting authorized users on your credit card NOT to use the card they are added to...if you do pay it off completely monthly or you will end up messing up their credit instead of helping.

[@nathansuss]

I love videos like this, its the type of video people my age need to see, I'm 21 and I have so much optimism for the future, because I know I have so much control than most people give themselves

[@rainbomg]

You’ve got it, bud! The attitude is such a big part of it, and then just showing up and communicating effectively will do the rest. I believe in you too!

[@iamkerenlouise]

Graham, dude 😮I love this format, …it’s as if you and I are catching up over lunch or dinner, and we’re having a super cool financial conversation-good on you Bro -keep this style going; it’s refreshing and changes it up in a really positive way!😊👏🏼💃🏽🥳‼️

[@JaredPalmerVlogs]

Y’all need to learn a high value skill to get your first $100k. Affiliate Marketing Copywriting SMMA Dropshipping Mowing Fricking Lawns Literally look around you, ask yourself WHERE IS THE MONEY GOONING Then place yourself in a situation to make a little piece of that pie in exchange for making everyone around you more money (or giving them more time). And once you get really good at that skill, you can make that first $100k in literally a matter of months

[@icemastersHJL]

Doom spending is about the dumbest thing I’ve ever heard of. It shows the total lack of financial literacy in this country.

[@Beepboop783]

If you look at it from a purely "logical" stand point sure, but remember people are emotional, and we can't ignore the emotional aspect of life, that's why motivating people is so important, motivation isn't about logic, its about emotion.

[@TheHumorGamez]

I might be an outlier but often when I “push myself to do something I don’t want to do” in terms of socialization, I wish I ended up staying home time and time again

[@humphrey]

thanks Graham! good topic and points

[@GrahamStephan]

Glad you liked it!

[@jarredthebear89]

I've always told most around me, get to ur first 10k then we will talk. Because then you'll have the experience and discipline to continue, and you'll understand the value of your 10k. You'll also understand and teach yourself it's attainable.

[@briandijkshoorn5084]

I really like the more laidback type of video. Much more natural 👍

[@hummerchine]

Dude I’m in better shape than when I was 25 too And I’m exactly TWICE your age! Great video

[@calvinrussell7587]

I love this style of video. Feels much more natural

[@lucasbenda3486]

14:27 “I don’t know how to manage my own time without someone else telling me what to do.” As much as I hated to hear this, it’s so true and how many of us live our lives for so long. Don’t wait for things to happen, go make them happen!

[@heatherdowning4890]

This is probably the best video you've ever done. Thank you for sharing this.

[@madhadder6754]

Only drink to be social only beer and never more than two. Don't smoke and no drugs. Never simp, save every chance you get. Treat others with respect. Moderation is key, exercise and always take a day of rest for meditation and to refocus. This is how you live and grow. Learn to defend your Circle, then biger circles until your at the top of the mountain. And never forget no one can stop you if you really want it. Only do good 👍 and good luck.

[@rockets9488]

Great video! New format is more calming and easier to engage with the information. Great topic and connection to it as well!

[@johnmcbroom2783]

Dude i love these videos. They are way less loud and overstimulating. It's something i can enjoy after a long day at work.

[@LennyTim]

Did anyone ever tell you that you resemble Tom Cruise?

[@Phillyqt19]

Don't tell him that. It's gonna go to his head 😂

[@AdvancedCraft]

Tom Cruise minus scientologist 😂

[@playdead09]

I like the new style. First 10k idea sounds a lot like taking one piece of cake at a time (something a mentor taught me once). Disliked that you said in your 30s getting fat just happens is fake. I had kids in my mid 20s and at 35 idk where the time went and it’s harder and harder to work out and take care of yourself. Of course I am saying if I was kid free I’d be healthier and more successful. But I would think my situation is more the norm.

[@debbiefisher8596]

Lots of great advice. Love this format

[@GrahamStephan]

thanks!

[@FrankLG2010]

I’ve been watching you for some time now. I saved this video to have my son watch it and do a report on it. It’s exactly how I want him to think and as we know being his father when I say it it’s never is heard as much as from someone else.

[@pabloalejandroperez]

Button up that shirt 😜

[@cruisepix]

I'm an old man now and I wish I had some advice like this growing up. I've been watching pretty much from your beginning on KZbin, the ups and downs with real estate, you stuck it out and came out on top I think. I hope the younger generation get something out of this, if nothing else how to become credit worthy and build some bank. Because retirement on Social Security don't cut it. You're going to need substantial bank to LIVE a life after employment! Unless you want to sit home and watch KZbin videos all day! Keep up the good work "Guys" Graham ✌😎

[@alejandroguerrero7841]

7:42 this is a wake up call for me.. thank you.. starting today i will cut out all soda, fast food, and chips. I am 28 and my unhealthy ways end today... thank you for videos.. they have helped me more than you can ever imagine

[@SilverWagonStudio]

Hey Graham! Longtime watcher. I think this video has a really nice feel to it. I like that it's evergreen and isn't alarmist. I like this version of Graham!

[@RickWatson-xu6gw]

I’ve been saving for a long time instead of investing, and right now I only have about $516k. I'm not sure how to make it grow, considering all the inflation, into something substantial that I might use for retirement. I'm just here for ideas

[@A_francis]

At a point like this, its best recommended you seek the services of an advisor, as this allows you make smarter investing decisions.

[@benitabussell5053]

It's unfortunate most people don't have such information. I don't really blame people who panic. Lack of information can be a big hurdle. I've been making more than $30k passively by just investing through an advisor, and I don't have to do much work. Doesn't matter if the economy is misbehaving; great wealth managers will always make returns.

[@RickWatson-xu6gw]

Please who is the advisor that assist you with your investment and if you don't mind, how do I get in touch with them?

[@benitabussell5053]

*Sharon Lynne Hart* is the licensed advisor I use. Just search the name. You’d find necessary details to work with to set up an appointment.

[@MannaSpill]

I would recommend putting some of your money into a brokerage account and buying some stable ETFs with proven track records. Personally, I think VOO is a great ETF, as well as IVV, SCHD, and SPY. Most importantly, do your research. Read books about the stock market and speak to those with investment expertise. Rooting for you!

[@kevley26]

10:21 The ironic part is that the people who are afraid of debt like yourself are the ones who should take advantage of it, and the people who are not concerned about debt at all are the ones who should stay away from it as much as possible.

[@burricat9615]

I appreciate these kinds of videos bro. Keep it up

[@masterflamewing234]

Falling for KZbinr scams also keeps you poor

[@dingalingdingdong_123]

As Anton Kreil once said, society has gone mad when life revolves around good credit score and your ability to borrow more money. Moral of the story: debt-financed consumption is a disease.

[@gregpalmer610]

These are definitely a like these organic videos. Your normal ones are good too but there’s just something about natural videos. Keep up the great content, man!

[@NoahKettle]

Time to Smash the Like Button for the new style

[@erescue1]

Graham, you didn't know it, but you were definitely speaking to me! I am 71 years old, a two time cancer survivor and my latest downfall is with my annual rent increase letter, new rent increased $250 per month is now greater than my Social Security check. I know I am Not the federal gov't. who just keeps the presses going 24-7 printing $100 bills and I need to get off my ass and go back to work. I was a millionaire once already, why not do it again?? THANK YOU for your "words of wisdom", they were just what I needed tonight........Bill D.

[@adrianamatilda1]

I lost over $80k when everything started to tank. Not because I was in an exchange that went belly up. I was just stupid to hold and because that's what everyone said. I'm still responsible. It just taught me to be a better investor now that I understand more of what could go wrong. It took me over two years of being in the market, I'm really grateful I found one source to recover my money, at least $10k profits weekly. Thanks Brooke Grace Miller.

[@SammieOlin]

Their ...services are very genius and experienced in the market for over a decade and counting, they changed my life from a poor plumber to a better and middle class family man with 2kids.

[@Arlingtongeorge]

The very first time we tried, we invested $1000 and after a week, we received $5500. That really helped us a lot to pay up our bills.

[@masterotrunks]

Woah for real? I'm so excited. Brooke Miller strategy has normalised winning trades for me also. and it's a huge milestone for me looking back to how it all started

[@mary_.1peterson]

I'm new at this, please how can I reach her?

[@GrozaGroza-ko7fn]

I just withdrew my profits a week ago, To be honest it was an amazing feeling when the profits hits my wallet I wish I could reinvest but, too much bills

[@kellcd]

Resubbed. Man, this is like a breath of fresh air. It’s the old style but even better.

[@RobPeel-sy4zx]

Super informative and helpful! Keep it up.

[@GrahamStephan]

Thanks, will do!

[@VortexRadar]

This style feels more relaxed and genuine. I like it! The audio sounds better with the mic right in front of you too.

[@LayedBackCentral]

Love these style of videos

[@caddyzig]

I like the less formal format (especially if it means more shirt buttons undone for the eye candy!) but most of the topics in this one were too basic for me. I’d like some more complex “life lessons” like how to select a financial advisor, how to evaluate your investment portfolio, how to estimate retirement expenses, estate planning for people without kids, how to decide whether long term care is necessary, best ways to prepare for early retirement, etc. I’d also love to hear more about what you’re doing to stay healthy and fit, because I think that should really be everyone’s number one priority. Keep up the good work. Your videos are great!

[@butthead321]

Most rich people stay rich by spending like the poor and investing without stopping then most poor people stay poor by spending like the rich yet not investing like the rich but impressing them🎉

[@adadadadadadad-ep1fs]

People prefer to spend money on liabilities, Rather than investing in assets and be very profitable

[@jpfagapeu]

Thanks to my co-worker (Alex) who suggested Ms Angela Christine Derle

[@nancymcmonarch]

@@jpfagapeu Your co-worker steered you wrong. When you see some bogus "financial advisor" who can't afford to advertise anywhere but the KZbin comments section, RUN THE OTHER WAY.

[@vanessam9784]

My favorite videos are all from your older videos when you were very focusing on sharing “ saving , investing, living below your means “ . I still watched them from time to time .This video reminds me of that

[@sebastianashbury2478]

Dude, Graham, been watching your channel since 2021 - Always had good stuff to share, but yes, it used to feel a lot more scripted and less like sincere leveling and being vulnerable. Really like this style, and feel you'll reach more people this way. This video is basically everything I wish I could go back and tell my 18-year-old self back in 2002.

[@GrahamStephan]

Thank you!

[@ChristopherAbelman]

I'm curious to know best how people split their pay, how much of it goes into savings, spendings or investments, I earn around $50K per year but nothing to show for it yet.

[@bartlyAD]

Sincerely it's best to seek an advisor right now, unless you're canny yourself. As an eBay reseller of all product categories, I can tell you we’re in a deep recession and everyone is running out of money.

[@DaliaCohen2230]

As a contractor with limited time to analyze investments, I've relied on a fiduciary for the past seven years to manage my portfolio. This strategy has helped me navigate market fluctuations effectively and also increased my porfolio by up to 300%. You might consider a similar approach.

[@PennyBergeron-os4ch]

Could you recommend your advis0r? I'll be happy to use some help with my portfolio’s management

[@DaliaCohen2230]

Don't ask random people on KZbin. It will lead you nowhere. You can ask my specialist Diana Casteel Lynch or do your own research, nothing in between.

[@DaliaCohen2230]

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.

[@ItsJeffysUniverse]

120k in the bank at 17 from playing with puppets😂

[@anthonytaranto]

300k at 21 from construction business

[@aljamebarbon1483]

this dude is scammer

[@CarlosGonzalez-mr5qz]

Not so. You must not want to learn.

[@VictorResto]

Long Form content that is built like a podcast is very favorable. Personally I prefer it much more simply cause I work from home and like to have long form content playing about topics that I am interested in. This type of content is really good Graham. Less is more on KZbin. In my opinion, people are getting tired of too much organization and want more relaxed genuine content that feels more natural.

[@FredMeyer-no3ji]

Your videos were great!! I'm one of your viewers and have been watching your videos lately. I would like to invest, but I still can't find the right investment to commit to. I will appreciate any help here.

[@chrisbarry9345]

I dont keep budgets, i just say no to spending anything more than the bare minimum

[@harveykeitelsean55]

I will be forever grateful to you, you changed my entire life and I will continue to preach on your behalf for the whole world to hear you saved me from huge financial debt with just a small investment, thank you Katherine Miller.

[@Tupppas]

Woah for real? I'm so excited. Katherine Miller strategy has normalised winning trades for me also. and it's a huge milestone for me looking back to how it all started

[@jakeroberts220]

Their ...services are very genius and experienced in the market for over a decade and counting, they changed my life from a poor plumber to a better and middle class family man with 2kids.

[@HamiltonJakes]

Really you people know her? I was even thinking that I'm the only one she has helped walk through the fears and falls of trading

[@harveykeitelsean55]

she's mostly on Telegrams, using the user name.

[@harveykeitelsean55]

@MILLER7

[@WeizDLC]

Good work. You’ve worked hard enough for long enough that you no longer need a script. Well done. Difficult to tell the difference, but this feels better. Thanks for the advice.

[@RyanMurphy571]

Excellent information, and I appreciate your breakdown! Even with the recent drop in crypt0, I'm glad that I can still grin at my $56,700 portfolio, which I built up quickly from my weekly trades.💯💯💯