The 5 Millionaire Investing Habits That Changed My Life

The 5 Millionaire Investing Habits That Changed My Life - Add me on Instagram: GPStephan | GET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: grahamstephan.com/newsletter
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MY TOP 5 MILLIONAIRE INVESTING HABITS:
ONE: INVEST AS SOON AS YOU POSSIBLY CAN.
When you’re young, one of the BIGGEST advantages you have when it comes to investing is really simple...it’s just TIME. Not only can you ride out any short term fluctuations in the market, but you can take full advantage of what’s called COMPOUND INTEREST.
TWO: DO NOT TRY TO TIME THE MARKET
One study benchmarked the performance of more than 83,000 investors on eToro who made more than 3 trades within a given year - and the results were bad.
This graph shows the AVERAGE PROFITS from each trader over a 12-month span…and, at the end of the day…79.5% of them lost money. The MEDIAN return was -36.3%…only 1 in 5 people who traded stocks were able to just BREAK EVEN…and, statistically…you were also nearly just as likely…to lose EVERYTHING.
marketsentiment.substack.com/...
Another study from UC Davis in 2010 concluded that only 1.6% of traders were actually profitable…and, generally speaking, research shows - the more trades you make, and the more you try to time the market, the lower your overall return becomes. On the other hand…since 1926, a 20-year holding period of the stock market has never ONCE produced a negative result…
www.bbh.com/us/en/insights/pr...
www.investopedia.com/articles...
THREE: ONLY INVEST IN WHAT YOU UNDERSTAND
You should know where your money is going, how much your brokerage is charging you, what’s been the historic return of that particular investment, how the investment makes money, and how much volatility you can realistically expect to handle. If you can’t answer those questions, and then explain WHY your money is best suited for THAT particular use…than my advice is this - probably don’t invest.
FOUR: NEVER INVEST MONEY YOU NEED IN THE SHORT TERM.
Here’s what I do: If I know I’m going to need the money within the next 1-2 years, like for a down payment on a house, or to pay a tax bill, or to save up for something in particular…I won’t invest it. Instead, I’ll just throw it in a high yield savings account, earning about 0.5% interest…and that’s it.
Sure, I might miss out on potential gains in the market like I did these last 12 months - but it also means I won’t LOSE any money if the market goes down, and that GUARANTEES I’ll have all of my money available by the time I need it, without any risk whatsoever.
FIVE: ALWAYS INVEST CONSISTENTLY
Just consider this: If you decide to invest $10,000 TODAY…and then do NOTHING for another 30 years…at an 8% return…that will have grown to a $100,000 amount. HOWEVER…if you INSTEAD just invested $200 per month…and, did that consistently over that exact same timeframe…you would have $317,000…or, 3X MORE MONEY…by investing LESS UPFRONT, WITH MORE CONSISTENCY.
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*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice. Public Offer valid for U.S. residents 18+ and subject to account approval. There may be other fees associated with trading. See Public.com/disclosures/

[@GrahamStephan]

I started a weekly email recap of my videos for anyone interested! Totally free ;) grahamstephan.com/newsletter

[@michaelvan6675]

Why would I want that?

[@28cthedestroyer]

Dude you got probably some of the most spam in the comment section I've ever seen 🤣🤣🤣💀

[@dairysmoreta6108]

@@28cthedestroyer You should see the private FB Group he has its even worse. I left the group few days ago because of it.

[@28cthedestroyer]

@@dairysmoreta6108 that's unfortunate

[@ryleedenney7872]

Hey graham the bots are back check my comment

[@griffinford1988]

I ordered your bankroll coffee bundle pack, awesome product!! I'm looking for the best strategy to make gains in this present market condition? My portfolio is still down by 20% and It scares the hell out of me.

[@bruceconnor8010]

it's all about finding the right moment to take advantage of and generate colossal profit, which is why you need to do your research and find a portfolio--Advisor.

[@reeceboat8307]

Out of curiosity I looked up her up and I can see she has worked with top notch companies like M&T-SECURITIES

[@ConstantGains]

$ATER

[@Jhnny025]

MeetKevin suggests building wealth through real-estate instead of saving and investing in stocks in the beginning. What are your thoughts?

[@reeceboat8307]

Yes true, I thought I was doing alright profit wise, until I needed assistance with diversification, I reached out to a portfolio manager and in less than a year I made 7x more than I make on my own

[@bruceconnor8010]

@@reeceboat8307 That’s impressive, could you share more info on this and how are things panning out so far.

[@reeceboat8307]

credit to Diana Claire Lougen, one of the best financial manager;s out there. I’ve raised over half-a-million dollar in ROI

[@griffinford1988]

Out of curiosity I looked up her up and I can see she has worked with top notch companies like M&T-SECURITIES

[@Awilliamspsyd]

Thanks for sharing Graham. Appreciate you always wanting to help us increase financial literacy! Great reminders!

[@brookiebitchhh]

Another great straight forward video! You should do a video on your thoughts on ETFs and dividend investing!!

[@darynadar6707]

Thank you Graham! I'm in my early 40s and I start understanding the importance of investing now. Well, it's better late than never, right? Thanks a lot again, your videos are super inspiring and motivating! Love how you mock skeptics too LOL

[@mychaelawilliams]

Great video. Classic Graham in full force!

[@Eternalmotors]

Should make a video about emergency funds and properly handling them! Another important aspect!

[@EtherealReality]

Is there a secret to properly handling them? I just assume they are for emergencies only. If you maintain a proper emergency fund, you won't find yourself over-invested and making emotional decisions.

[@Excavation99]

Do you have to use a broker to manage your stocks or can you do that yourself? Any information would be greatly appreciated!

[@CaseyMiddlecoff]

You can manage your own stocks. I would suggest a good large broker though. Personally I use TD Ameritrade.

[@MarbleRyeBread]

I also use TD Ameritrade, they’ve been really helpful to me anytime I had to call about questions or concerns, super easy to manage your tax forms too

[@marcsherman4862]

Number 3...so important.

[@HighChief100]

God knows I really needed this video❤️

[@CarbonatedGrapeSauce]

Graham! Hoping for a positive outcome for you in your upcoming fight against Michael

[@awesomeadamfrom2099]

Awesome job gram and good luck in your fight.

[@Christian-ob9cf]

Even if you've said some of this stuff before, its always good with a recap. 100% hiyaaa!

[@TheBookOfEli99]

I’ve been watching your videos for the longest time and it’s given me a whole new perspective about investing

[@costafilh0]

Very true! Even if we know all of this some times we screwit up just by not doing. I would add: If the markets are red and in big corrections try to buy more than usual! It will make a huge difference!

[@SmokeandSpirit]

If the market is red and you buy the same amount of dollar value you are buying more by default. If you buy when it's green you are buying less stock per dollar value. This is the genius of dollar cost averaging. It already does this for you.

[@CanadianDividendInvesting]

Awesome stuff Graham

[@temporalce1684]

I didn't really get to start investing until about 6-12 months ago. Graduate school and starting out with not much will do that to you.

[@yassinaberra9743]

im here to show my support.

[@pleclerc1]

Great advice, thanks!

[@itszilleon]

All the best for the creator clash.

[@GrahamStephan]

thank you so much! fingers crossed!

[@itszilleon]

@@AlexanderNava as long as Michael Reeves doesn't bring a robot into the ring, Graham can win it. 😉

[@wrxnfx127]

Graham show us your Reef tank Super cool that your a fish nerd 🤘🏾

[@ralphpacheco4251]

Going to take your advice.

[@saiyan_princestudios9790]

Amc and GameStop changed my life. And it’s not over yet. Working a second job starting my own business also was life changing.

[@derekross6649]

Perfect gameplan.

[@FacundoMD]

ER doc here !!! Early this time :) !!!! STAY SAFE ALL !

[@dingosmoov]

Another great video. Good work Graham and team.

[@FinancialFreedomMadeSimple]

Great content Graham!

[@jeffrounsville4961]

Great content as always

[@derektremblay794]

Great vid. Make a life insurance video plz

[@Redemption4U]

Thanks Graham

[@crxracer805]

Another Graham video Yay!

[@GrahamStephan]

Hope you enjoyed it!

[@Juanp104_]

Great video!

[@Heggscast]

sweet, if we call next week then hopefully we can organise something

[@GrahamStephan]

Sounds good!

[@Superman-uh3cl]

How are people this fast !?!? Anyway here's my penny and algorithm Donation! Great as always !!

[@GrahamStephan]

no clue!! thank you!

[@StasTalksStocks]

Lets goooo!

[@GrahamStephan]

woohooo

[@invisigal007]

Great video, thank you!

[@alexgg7499]

I like this guy gets to the point and explains how he did it for a like not like the rest that sell you bs and I subscribe.

[@liarzdice]

Good video for your buddy Meet Kevin to watch when it comes to the market.

[@FatFIREfamily]

Thank you for sharing , it's really inspiring us as we plan for retirement

[@GrahamStephan]

Best of luck!

[@legobasemaker]

Hi Graham, I love your videos and I am currently writing my dissertation on how social media can influence financial literacy and investor behavior, and I would really appreciate if you could spare 20-30 mins for an interview for this project. Thanks in advance and keep up the good work, Adorján

[@manolopourikas6]

Commenting for the algo, staying for the content

[@GrahamStephan]

thank you!!

[@shuvo8146]

But Graham i still thinking where should i start investing weekly due to current stock market decline. Any suggestions?

[@gamest9808]

Thanks just one thing I need a Personal guidlines

[@dairysmoreta6108]

Damn Graham is dropping these videos fast af lately! 😆

[@joelcervantes2208]

The 🐐

[@TheJoshheart90]

Thank you 🙏

[@Feminazi1dc]

Yes daddi

[@huunguyen5280]

Thank you very much great advice

[@ANMIV517]

Graham you are alright, and a car guy, even better

[@ivanfirdausi8532]

Timeless advice! Thank again for the video, Graham..

[@dooberdave219]

kinda warrenish buffet ! you rock dude .

[@Namnamnam93]

Gotta smash that like button 😌🔥❤️

[@GrahamStephan]

THANKS!!

[@TheDaumWorld]

Hey man so I reallyyyy want to get into real estate investing but could you make a video on what or how I should do it? I’m new to all of it and don’t know what website to go or where to look. Or how much money I should have before doing so. Do I need to borrow money? This would be amazing if you could make a video for it or if you already did, what is the title? Thanks!!!

[@WellImhighasl]

Thank you

[@EtherealReality]

Compound interest is truly amazing in years 20-30.

[@remo]

For the algorithm 😉

[@carolinecoxfilm]

I know you say to never tough the money invested, but wouldn't it make sense to invest money that you want to use down the road to buy property? because it will grow more if its not just sitting in a savings account? That's my strategy right now, but curious what you think?

[@beatsbychavo]

Notification Squad 🔥

[@GrahamStephan]

wooohoooo

[@JohnDouqh]

But Graham, didn’t you get rich by timing the real estate market? I think market timing is essential to any investment strategy as markets go through cycles.

[@BensLight]

Not 100% sure but I don’t think he purposely timed it, he just happened to get started at a good time. However in the long run, any time is a good time as long as you properly study whatever investment you are making and believe in it long term

[@tonicktv951]

I like how you analyzed time in the market vs. dollar cost averaging. Very good, thanks! At what age would you recommend contributing to a traditional IRA instead of a Roth?

[@jacobgarugaville5271]

Graham where's the bit about training for a boxing match?

[@Gingerlocks35]

Be dope to actually be friends with Graham, I'm rather curious if one would learn more with a friendship like that.

[@theprofitableinvestor6821]

I smashed the like button🎉🥳🎉

[@GrahamStephan]

THANK YOU!

[@vicspis]

I just want to comment I’m only a 16 year old teenager who’s become so motivated to becoming financially literate and your videos mean the world, thank you!

[@Rjisawake]

My dudeeeeeee

[@miked7212]

Great video! I really enjoyed watching! :)

[@cirentXD]

Thanks Graham for the content. I do think though that you should explain the difference between your investment gains, KZbin gains and previous employment income.

[@Samwise315]

Very helpful

[@wistrad]

Smashed like

[@GrahamStephan]

thanks!

[@Onigirii]

This video is great and all, but apparently Graham is going to fight michael reeves in iDubbz's boxing match? lol

[@theduffinman]

Right?????? I'm so excited to watch it!

[@cougarmama7589]

it’s real!!!

[@theduffinman]

May 14th Babyyyyyyyyyy

[@brucechambi4857]

Hey Graham, could you book a video about top investment books?

[@GrahamStephan]

I might!

[@GrahamStephan]

I have one I posted a few years ago!

[@whatbenanimated79]

Hey Graham! Love the content, watch on my personal page all the time! Keep up the great work! You’ve been a huge encouragement to me!!

[@Bkreck]

Commenting under for proof

[@wilsonpreston4618]

Thank you Graham you are my mentor and I know that you put so much hard work into each video!

[@ronnianabalos2110]

I find your video amusing 😄 The jokes are lit 🤣

[@ramsey6227]

I'm 16 and starting to invest right now with my friend. haven't actually made any trades yet but I'm learning new things about it every day.

[@PaulTheTrombonist]

Graham, I hit like before the video plays because you have earned my trust

[@GrahamStephan]

thank you!

[@xxlmark]

Get up early on a sunday in uk buy stuff ...get pissed ...works for me sell Friday repeat

[@DapperDividends]

A success mentality teaches not to waste energy on things that you can’t change. - Dean Graziosi

[@GrahamStephan]

:)

[@mikitwashiya6336]

Do you have any new books recommendation? thank you!

[@javiermarrerojr1893]

Graham’s transitions to FTX advertisements are undefeated. Lol

[@abdullahalghali8583]

Graham, knock knock..

[@GrahamStephan]

who's there?!

[@abdullahalghali8583]

@@GrahamStephan nooo its part of the joke :( dont delete my comment

[@legendiggy3036]

Hey Graham I’ve been subbed for a little while what are your thoughts on Bitcoin? Like honestly opinion?

[@SF-fb6lv]

For long-term 'what if...' projections (like the "$2.3 million...over 45 years..." bit), be sure you also take into account inflation over the time period. That $2.3 million will be like $497k is now (not enough to buy a shack in San Jose, CA).

[@JasenF]

Guess I’m on track to being rich🙌🏽

[@JohneyWalker69]

in love how you just get to the point

[@RonKahnJR]

Basically consistency is key?

[@louisianabeast]

Still liking because of Starbucks video

[@jameshoneycutt785]

Bro are you really gonna be boxing??? Saw this YouTubr Creator Clash event promo...

[@demoticshadow2494]

Peter lynch is the man!!!

[@GrahamStephan]

:)

[@nickm4662]

Graham is really out here helping the people.

[@bronson8168]

yoo I just found out that you're going against Micheal reeves in the Creator Clash, good luck!

[@InvestingNerd]

Saving is so so important and consistency is the key ✅

[@GrahamStephan]

totally!

[@Anthony-sg2su]

No way your gonna be in idubzzz boxing matcg that's what's up! Can't wait to see it

[@TheDamonsta]

How do I pay if I already liked and subscribed 😅

[@seanyoungman]

FTX hasn't been good for me, their customer service is like not existent. I have been struggling to get verified forever- and this is AFTER they let me invest for a short period. So confused

[@marcrose23]

In other words - read “The Simple Path to Wealth” :)

[@Davetheweeb]

WHEN ARE YOU GONNA TALK ABOUT YOUR BOXING MATCH WITH MICHAEL REEVES??

[@demoticshadow2494]

I see what you guys did there....

[@GrahamStephan]

heheh

[@sahibgaba1]

Hey man

[@GrahamStephan]

sup!