The 6 BEST Purchases To Make In Your 20s

These are the 6 Best Purchases to make in your 20s that will help make you more money and build your net worth - enjoy! Add me on Instagram: GPStephan
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FIRST: Invest in your career
In your 20’s, the “BEST PURCHASE” is all about INCREASING YOUR INCOME. That’s it…I really believe your 20s are a time for you to work diligently, don’t be stupid, be smart with your money, stash away as much in investments as possible, and solidify the foundation in your career. After that, it’s all about GROWING and MAINTAINING that career...so, that - one day - your investments will be able to cover your day to day lifestyle without you ever needing to work another day in your life, ever again - unless you want to. Also, go and read the books Think And Grow Rich - The 4 Hour Work Week - and Rich Dad Poor Dad. Trust me, I’ve read all of those books MULTIPLE times…and that’ll be enough to get the ball rolling, and get you so amped up on what’s in store for the future.
SECOND: A Reliable, Used Car
I never could understand why people my age were out there, buying or leasing expensive cars, when they could use that same payment towards BUYING something that they’d be able to own outright within a year. Which is why I strongly advocate - for anyone who’s in their 20’s - put your own pride and ego aside, and get a solid used car that won’t depreciate, that doesn’t break down, and just gets you from point a to point b safely. You have your entire life ahead of you to go and get cool cars.
THIRD: Hire a good CPA
Taxes are INSANELY complicated, WAY more than they EVER should be. Not to mention, there’s a lot of the tax code that’s completely open to interpretation…so, if you want to make sure you’re maximizing the benefits of everything you’re allowed, WITHIN THE LAW, of course…hire a good accountant. My philosophy is that, when it comes to this…a good CPA to help file your tax return will generally, AT MINIMUM, pay for itself.
FOURTH: Purchase Stocks and Index Funds within a Roth IRA
This is a retirement account where you can contribute $6000 Per Year and invest after-tax money, and then all of the profit within that account is COMPLETELY tax free after the age of 59.5. The MASSIVE advantage to doing this is that ALL the money you deposit into this account will grow entirely tax free. This is something I started in my early 20’s, by opening up a Roth IRA - and then just loading up on Vanguard Index Funds.
FIFTH: Buy Real Estate
When it comes to myself, those early real estate purchases ABSOLUTELY changed my entire outlook on not only investing, but being able to see the rewards of diligent hard work and sacrifice. It was such an incredible feeling to look at a house, and know that I’m the owner…that THAT ownership was the result of so many late nights, so much hard dedication, so much self doubt, and seeing it right in front of me just made it all feel “Worth it.” Like, in personal finance…we don’t get trophies…but, we can get real estate. And that’s how it felt, to me.
SIXTH: House Hack
House Hacking is a term where you buy a property that has multiple units…then, you move in ONE of them, and rent out the others to cover the cost of owning the building. This is something I began doing a few years ago…and, I gotta say…it’s been one of the best financial experiences. This has allowed me to save a CONSIDERABLE amount of money, it’s allowed me to re-invest WAY more in other things that are more profitable than a housing payment, and I get to invest and own real estate at the exact same time.
Those are the BEST financial purchases to make in your 20s, and everything that I have personally done, that’s helped bring me here today. I really believe that your 20s are such a unique time to get yourself ahead, and whatever you do RIGHT NOW will multiply by leaps and bounds by the time you’re older.
For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at [e-mail]
*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.

[@laueian]

1. Invest In Your Career - 1:21 2. A Reliable Used Car - 3:55 3. Hire A Good CPA - 6:25 4. Invest In A Roth IRA - 7:55 5. Invest In Real Estate - 10:35

[@jl8858]

Thank you

[@gedenirfiorese3523]

Hero

[@kyleburton7394]

MVP

[@veronica10321]

Thank you

[@jameslundin6523]

You're the best fam

[@vincentaguilar6249]

When I close my eyes I picture Phineas talking.

[@ethantheboss763]

Wow that’s why he sounded so familiar

[@mianahilliard]

now i can’t unhear it 😂

[@MrBassfisherman98]

I am upset

[@arik4362]

Omgggg

[@sethpeterson5652]

I can’t unhear it now

[@jtbmetaldesigns]

Late 40s here. Problem was when I was young, I didn’t care about investing and finance because I thought it was too complicated and boring. Graham not only explains stuff in a straightforward way, he makes it fun and interesting. The best experts are the ones that can explain anything and make it interesting.

[@rootsofmoney7830]

😀

[@gwillis01]

I totally agree that the best experts are the ones who can explain things in an interesting and informative way.

[@isabelleedmundson4703]

You still are pretty young

[@gastonemoschin4337]

brother i am much younger than you, but you have 20 years left to build something amazing with your wealth.

[@jtbmetaldesigns]

@@gastonemoschin4337 Yeah I think so. I’m staying in the fight at least until early 70s. I MIGHT retire at 72 but I could just reinvent myself. Life is funny that way! 😉

[@xgene7796]

Me: *turns 20 today* KZbin algorithm: you need this

[@rootsofmoney7830]

Yeaa me too

[@kakam458]

I turned 21 yesterday and I got this recommended. What the hell. I don’t even have my real identity or age linked to this account.

[@me0101001000]

I'm turning 23 in a bit. Might as well start now.

[@MixTheTake]

I sure do and I will be 20 in January

[@wizard5k840]

@John You got plenty of time...get a job and start investing in stocks :)

[@salvadorcastaneda7490]

Graham is the financial father we never knew we needed

[@vibhanshuvaibhav335]

Checkout ben mallah thank me later

[@younghustlertvz7860]

lmao true

[@georgeeeeeeeee8110]

You mean “Big Brother”

[@pawsnotclaws2772]

Salvador Castañeda yesss

[@JeffWybo]

probably lool

[@AttackingTucans]

Coffee really is the secret ingredient to being a successful youtuber.

[@GigaGamby]

My man, been watching you since Versus, awesome to see you here!

[@gigachad3861]

Alex becker says its bad lol

[@davidovhs]

That's not subjective at all.

[@desco7628]

:-)

[@ahays3168]

I would apply this statement to life in general. College got me hooked.

[@ChiefBeef7]

"Invest in your career" "Hire a good CPA" Me who studied accounting and just earned my CPA.... Best of both worlds :)

[@littlestewart]

Congrats mate, you fcked us.

[@mattgotoptions]

how did you like working toward the CPA? I’m looking in the finance sector but don’t know exactly what I wanna fo

[@ChiefBeef7]

@@mattgotoptions It took a lot of work, but is definitely worth it! It's a versatile license to have! It's fairly common for people to leave public accounting because of the hours and transition into finance roles elsewhere.

[@roartt8348]

What jobs can you do with finance? Can u make good money

[@brycegum_221]

@@ChiefBeef7 I’m 16 in high school but don’t know what I wanna major in college yet, should I major in accounting and then work my way up in the real estate market by getting a real estate license as well?

[@jamesbrockett6045]

I’m literally 29 and a half....

[@blauerpopel3639]

I feel ya

[@donquixoterosinante7899]

Im 26,

[@nickbrown2561]

Youre about to be old in 5months 3 weeks

[@lupuscorvus841]

Same...

[@da14a49]

16 and can't wait to make dem monies

[@TheBluemango101]

Graham: I really believe your 20s is your time to work your ass off and solidify your entire career 20 year old about to graduate: wooh I agree! Coronavirus: I'm about to end this mans career before it's even began

[@Biowulf21]

Dude same

[@southpoleprincess]

Facts

[@analuciacamacho1671]

@Bluemango101 use the time, take advantage of it. Be one step forward and it could become on a Good thing. You could lear a new skill (there are free Ivy leage universities course with and without a degree) or lear a new language, try to reflects pm your life so far and make plans. Well, you got the point... At least thats what Iam trying to do🤷‍♀️ Wish you the best!

[@exaucemayunga22]

Look to buy stocks while they're on sale during the pandemic and make a couple hundreds in a few months.

[@ConsciousandCute]

Literally same, graduating from my second degree and in the middle of starting my own business :))))) time for lots of planning & online trainings I GUESS

[@mindofigor]

My best investment is stealing my neighbor's internet so I have access to Graham's youtube channels.

[@aioleonard6572]

@@100videosandnosubscribers3 anything for that meat

[@TheBirdThatKnowsWhatsGood]

@Jesus is Fake This seems like the type of comment that would come from a person who thinks Jesus is fake.

[@salvadorlopez527]

lmao

[@cursed7094]

@@TheBirdThatKnowsWhatsGood lol

[@YoungNinja-117]

@@TheBirdThatKnowsWhatsGood Lmao!

[@ChooChoosGaming]

GOD DAMN IT !!! IM LEGIT 29 AND A HALF HAHA

[@colechisholm1039]

you’re 30 now

[@ChooChoosGaming]

@@colechisholm1039 God damn it haha

[@tearsangelz]

@@ChooChoosGaming happy belated birthday haha

[@alexyezzir630]

Are you 30 yet?

[@nelsonsanabria3130]

haha

[@gurmanchadha9209]

You should definitely look out for your health in your 20's.

[@edwinescobar4356]

Yes!

[@Chesnu09]

True

[@westernregenerate5806]

One of the most important things.

[@chrisglaze1410]

*Not to mention toilet paper and hand sanitizer*

[@GrahamStephan]

And smashing the like button

[@syloui]

after amazon cracking down on scalping, I'd wager that smashing the like button would probably net you a better ROI

[@2001mufasa]

let me give you the 200th like

[@sheilafitzgerald478]

Graham is getting the like button smashed in quarantine

[@JeffWybo]

hahaha yep!

[@ericmillwood5195]

Lol because of pewdiepie I’m now getting financial advice from this dude

[@MrLump]

Couch pewdiepie sent you here? I just looked it up.

[@tigerw2878]

It's about time us 19 year olds get prepared for the world

[@ys9536]

Which video?

[@loicvena8389]

@@ys9536 his reaction to do every millionaire thinks the same by jubilee

[@amancharlamahesh3252]

Same here buddy.

[@dynestis2875]

The great thing about living in the Netherlands is city's are smaller and bycicles are pretty much our primary means of transportation. I will *NOT* waste my money on buying and maintaining a car when every important destination for me is within a 10KM radius :)

[@dynestis2875]

@Matt you'll find what works best for you in life.

[@3tino4]

I wish my life would be like this, out here in Cali USA everything is too spread out :(

[@marmeykakile749]

Ugh I envy you so much 😭 cars and traffic are hella annoying

[@BillyBob-bv1bk]

I studied abroad in Rotterdam. I know what you mean it’s a huge bonus to be able to do that, appreciate it! Now I’m back in Miami where I need a car to go anywhere🙄

[@yidguy11]

I'd like that as my reality. In my city in Mexico everything is built up for you to either use a car or bus, plus we hit over 40 degrees celsius so a bike would pretty much dehydrate or even kill the user lol.

[@tigerchuu2148]

Graham: TAXES ARE REALLY COMPLICATED Me as a Swedish person: *Opens an app on my phone presses a button and I am done with taxes*

[@thegreatken2073]

American taxes when you have more than one income is complicated.

[@tigerchuu2148]

@@mihaimera7837 Nope, even with other investments it will already have been calculated. You should obviously look through the paper to see if the amounts are correct or if something is missing but usually everything is there and you just press a button on a phone app and you’re done

[@rachelhopke3885]

@@tigerchuu2148 I love this. I once heard a joke about the US Internal Revenue Service know "exactly how much" we should owe in taxes (because if you make an error you can be heavily fined) but they won't tell us! It's a secret!

[@ConcussedGaming]

As long as you have them take more out of your paycheck every pay period and make the government pay you back it's not a problem. And Turbotax is a VERY helpful tool.

[@yunghart]

@@gwillis01 turbo tax is the reason that the US tax system is fucked...

[@davy_putts]

graham, i feel like you should make a video on how to actually buy houses, get contractors, and sell houses. you give great information on how to make you money, but i still don’t know exactly house to do it.

[@100videosandnosubscribers3]

Easy. Go to Amazon.com, buy this game called Monopoly. Then you own every property in existence and $20,580 cash Only a $30 investment.

[@phe1an186]

Even when the stuff Graham says doesn't directly apply to me I find his videos really motivate me to make more money. Thanks Graham.

[@tylerhayes4532]

Graham: "Unless you're 29.5, then you're late to the party" Me: Turns 30 in two weeks... :|

[@nealtse9125]

35 here! First time in my life I feel like I'm not living paycheque to paycheque. I don't think there's anything here I can't benefit from.

[@carlosreyessanchez322]

Happy birthday

[@cracreacts548]

Happy bday

[@tylerhayes4532]

@@carlosreyessanchez322 Hey thanks a lot! I appreciate it!

[@tylerhayes4532]

@@cracreacts548 Thanks for the birthday wishes!

[@christinavanmeter5508]

I am 19 and just started watching your videos!! Thank you for all the advice so far and I'm excited to continue learning!

[@itsKristiii]

Can you do a video all about taxes? Specifically influencer taxes? What you can deduct, planning, etc !

[@JamesHollowayYT]

I completely agree!

[@dinardinar2657]

What's your snapchat😏

[@undergroundbeats6418]

@itsKristiii your thumbnails are brighter than my future

[@MiaogisTeas]

There are so many variables, your closest is probably freelancing or being a sole trader.

[@mohammadwrld3595]

Dinar Dinar this isn’t tinder bud

[@Venezuela2210]

Hey Graham! I really wish you would talk sometime about those who didn't get a super start in their 20s and are now either over 30 or almost there and what we can do to jumpstart our situation now. Thank you for all your videos!

[@abbybuds1697]

Same thing just more liabilities like believing you deserve a certain quality living and having to maintain certain outlook to people . When you 20-30 Social acceptable to not have any money and look like your broke but by 30 you should have either a house or some rental properties with all the hundreds of thousands accumulated through those years but with value of life going up people think it’s hard to go without and not As social acceptable to such as live with parents for cheap rents eat frozen dinners cheap foods and living to live low so when you 30 you will be set to move out and start your life right

Thank yo uso much for summoning up the video in the descrription. Most people do not even mention the stuff they talk about. It is so helpful to just read the quick version instead of listening to the netire video, especially if you don't have much time to spent.

[@ni-9945]

Working on my real estate license, following graham daddies foot steps is a must

[@Sultanrx]

The best investments are in things you cannot buy - unknown Graham: Such as smashing the like button

[@GrahamStephan]

Facts

[@JeffWybo]

these jokes never get old idk why lol

[@nathanbeck844]

As a fellow Prius driver, I have to say I loved that little car! I feel bad for all the people out there that will never know the satisfaction of filling up at the gas station for only $22!

[@pamelajaskot4538]

Nathan Beck I do it with my renegade 😍

[@cayteer]

I miss my Prius!

[@adamrichardson1955]

Facts i have a 06 Prius and love it

[@ratchschleuczynski9821]

With gas currently at $1.15, 17 gallons in my v8 old people car costs under $20. These are good times.

[@t-bone9239]

I could never let myself go as far down as to drive a prius

[@haplomage]

I'm doing most of this in my 30s. Better late than never.

[@thecruize9034]

Still really young, ur definitely not late.

[@user-uh7dx1rs5h]

I must say this is one of the best videos I've seen from you Graham. You're providing great information but you're also fun to watch. You keep me engaged at least 💯

[@MeetKevin]

#1: Courses

[@liamjhewitt1]

Came here after watching Kevin try d2d sales in prep for my latest job 😅

[@thepandaahbear9025]

Nah. There are way cheaper ways to learn than overpriced KZbin courses. Yes, spending money for education can be important but I'm sure that there is little in any of the courses that are advertised on KZbin that I couldn't learn for free or at least cheaper

[@Brock_CO]

Stop trying to sell us courses, information should be free for fucks sake. Not to mention you guys make money from our views and that still isn't enough for you? -1 respect.

[@Rolzhey]

i feel like this week would be a great time to catch up on paperwork

[@nunyabusiness1317]

Found this channel at 27 years old and it got me panicking like crazy. Spent money on stocks, opened up a roth ira, left bank of america and switched to ally bank. Just crazy bro....lol

[@Twigins96]

I’m so very grateful for you and your videos. As I try to find my way and set a path, you are very insightful and encouraging plus the clarity and simplicity is wicked good. Thanks a lot Graham

[@ReggieBryant]

“”One small choice can completely alter the path of your entire life... like SMASHING the like button.” Smooth 😎. Great video as always Graham! Being in my early 20’s, I can definitely attest to the advice given in the video. People often underestimate the power of investing in yourself. This channel really motivates me and gives me great ideas for my KZbin channel! 👍🏾

[@DeivixLV]

Yeah, this channel is a really good motivator...to smash the like button!👍

[@ReggieBryant]

David S right?!

[@juangaribaldo3767]

Reading this with tons of car parts in my shopping cart 😂

[@JeffWybo]

Graham is golden!

[@texasranger24]

Last time i was this early amazon was still the worlds most expensive company, and not the toilet paper factory...

[@solomonganz]

SUCH smart advice and anyone in their early 20's should follow this step by step!

[@notjestr]

Thank you for this advices 😊. I didn't skipped ad in return.

[@trexzar87]

1) Invest in your career Should be compulsory for everyone nowadays if you want any decent paying job. Ideal for ages 15-30. 2) A reliable used car Buy a car AFTER it has lost most of its value due to depreciation. 3) Hire a good CPA This is only necessary once you start step 5, as it opens you up to a large number of legal deductions on rental properties. 4) Invest in a ROTH IRA Obviously a given, actually compulsory in some countries. 5) Invest in Real Estate This is the main money maker. Its always expensive WHEN you buy it, but looking back after 10 years, it will always feel like such a bargain. Don't leave it too late. 6) House hack Sub-letting houses. This is only viable if you get the owners permission in some contracts. Attempt with caution, as you are liable to chase up all damages that may occur, as your "sub-tenants" only have a contract with you, and you are not likely to be providing legal documents to them to sign. Honorable Mentions 7) Tesla Model 3 - Good for tax write-offs if you work for yourself. Great topic for youtube videos. 8) Mr Coffee Coffee Maker - Saves you the "Cafe tax" on coffee.

[@victoriapowers576]

The Healthy Investor thank you

[@JeffWybo]

interesting list

[@madrockxvx]

Good thing Graham already puts an outline in the description of every video :)

[@100videosandnosubscribers3]

A very nice fellow sold me his car of 21 years, an old honda accord for $500. I highly recommend those old Hondas, especially if they are clean, because the maintenance scedule has probably been followed. They look bad, sound bad, but boy do they get you to work and back _forever._

[@ysmaelpacheco2564]

100 Videos And No Subscribers I used a 2003 Honda CR-V that got for 1K, and I agree with you those cars last really long

[@gmark247]

Starbucks: exists Graham: I'm gonna devote my entire life to bring 'em down!

[@100videosandnosubscribers3]

My roomate had this idea, instead of buying coffee, let's sell coffee. He has a source for fresh coffee beans, we just needed the licenses for a food truck business. The coronavirus has temporarily rained on our plans, real shame. Stay healthy.

[@100videosandnosubscribers3]

@Krish Kalra yes, but I can't until this coronavirus shenanigan is over. Hmu next year lmao

[@ailleandefontorum6680]

This was SO HELPFUL!!!! Thank you so much! Love your energy!

[@andrewjohnson9044]

Very informative video, I'm 18 now and already looking into real estate and investing in my career. Thanks for the golden advice!

[@Chadisms]

I was really hoping to hear your opinion on the largest fiscal melt down in our lifetimes. Hope you make a video on that subject.

[@TheRealGuywithoutaMustache]

Graham being clutch with this upload. Some positivity instead of negativity

[@provolone5336]

Just Some Guy without a Mustache Agreed

[@maddiemary-kate5650]

You’re so funny and I love that you give info really fast

[@dramaticalsnowman]

I allways smash the like button for you youtube algorithm

[@GPerez-rz3tp]

Hey Graham, love the channel. When I heard about the interest rates dropped to 0% today, i was actually hoping you would have a video on refinancing in a situation like this. I know a little about refinancing, but not the ins and outs. As a first time home owner i would appreciate a video like that 😎

[@brylikesgaming4229]

I would love to receive a small smiley face from Graham!

[@thriftaddict8972]

My question had already been answered. Thank you!

[@nickaguirre9917]

Man! Just turned 30 and having the best things for your 30's would be great. Sometimes feel like I am getting a late start on some of the things your giving advice about.

[@memyselfandi4109]

‘The best investment is in yourself’ Yeaaaa, so how do I short that?

[@773ohh6]

Life changes Therapy It could mean a lot of things

[@nealtse9125]

You funny. :D

[@WolfinProgress]

773 ohh woosh

[@76ers]

6:28 - What differentiates a "good cpa" v.s. and an average cpa? What are some of the things to look for so you don't settle for an average cpa?

[@elka7823]

What cpa means

[@nisee_9568]

El Ka certified public accountant

[@gwillis01]

According to the rumors I have heard, the best way to find a good quality CPA is word of mouth. Ask your most prosperous friend who they use. Or ask a supervisor at your local bank who they use.

[@patriciaschilling2540]

Always learn while enjoying watching your videos.

[@musicased9591]

Imagine having a kid thinking he's gonna probably grow up to be a normal kid who works a 9-5 job like the rest of us but he becomes a financial master asking you why you're eating cereal and not avocado toast when you could be saving 30 cents a day making the switch

[@texasranger24]

How to get rich in your 20s? Sell the white gold. Nonono, not cocain, that's so 2019, sell toilet paper. Or even better, hand sanitiser.

[@renew1098]

😂😂 not cocaine

[@sheilafitzgerald478]

😂😭 thé truth has been spoken

[@JeffWybo]

white gold! lol I'll keep that one in mind

[@jaydesjardins730]

Crazy when I look back on the last year and a half since I followed your channel, I recently reached a 800 Credit Score and In process of buying my first rental proprety. I doubled my income and cut back on so many unnecessary expences that I am currently already building my down payment for my second rental proprety. I was lost from 18 to 23 and everything became clear now that i'm almost turning 25.

[@JamesHollowayYT]

Literally was in the same boat as you! And Graham inspired me to start a KZbin channel talking about real estate investing! I currently have two properties that cash flow me $1100/mo!

[@hunterjoy1871]

@@JamesHollowayYT I'm thinking of doing this in the future. How easily is it to loose money

[@JamesHollowayYT]

Hunter Joy doing which part?!

[@catwearingshades]

what’s your job if you don’t mind me asking ? i’m in the same boat right now, 22 but recently started investing in myself

[@JamesHollowayYT]

Subverted I’m active duty Air Force!

[@erniebraveboy]

WONDERFUL VIDEO AMAZING CONTENT WHICH I NEW THIS WHEN I WAS IN MY 20S

[@adelinemorley3651]

Way to turn it around, buddy! Keep up the positive mindset!

[@alexgordillo7]

More videos on what you can do in your 30’s if you’re starting from scratch.

[@Caspertraderofficial]

The best investment you can make is by far: *YOURSELF* , knowledge is it most powerful thing you can have.🧠

[@JamesHollowayYT]

Definitely in your 20s as well! Currently in my 20s, and I invested $400 (I think) in myself for a real estate investing course. Best thing I've ever done. It helped me achieve my $1100/mo in cash flow from my TWO properties. I talk about them and my experiences on my KZbin channel!

[@rookieman329]

if knowledge is power, learning is your super power.

[@JamesHollowayYT]

Rookie Man knowledge is useless without application.

[@krabbykrabby8818]

@BRAHIM THE INVESTOR Knowledge applied right. Doesn't matter if I'm great at selling if I only sell skittles

[@krabbykrabby8818]

@@JamesHollowayYT lol what i said

[@GamerReality]

About to turn 18 and have been listening to these videos for years, so excited to do it right!

[@caseybizelli5937]

I 36 and wish I had your advice earlier! Sent this to my nephews and hope they pay attention.

[@CreditFast]

I spent my twenties investing in myself. Learn skills! Then later everything ties in together; it worked for me... Work is easier now.

[@krabbykrabby8818]

What skills did you learn?

[@stateofgrind1]

Krabby Krabby trapping

[@CreditFast]

@@krabbykrabby8818 - started my first business at 10 - first registered business in my state at 16 - receptionist for two years for a distributor and learned from people successful in business - studied marketing in college - co-owned a store for six years - From start to finish I run and maintain my WordPress site - monetized KZbin Channel - learned decent graphic design skills for my site and channel - just learned things in general All the things I spent learning the knowledge (skills) in business just added up. So now, when I have to do something, I usually have at least some kind of background from my past. So that is why work is easier now. FYI - I have a similar story to Graham; I didn't graduate high school on time with my class. At the end of the day, it really didn't matter. I did the best I could each day. Being persistent was the most important skill I learned. Graham is a smart guy with a lot of skills, and there is a lot we can learn from his persistence! All the best.

[@iftomorrownevercomes]

I love how he says “Stonks” 🤣

[@Waldo100k]

Still relevant, good info!

[@nazbinmonowar6393]

Your amazing, I'm only 13 and already trying to find good books to help me. Just subbed!🤩

[@Oddie99000]

Graham strategically puts ads right before he’s about to say something we’ve waited for 😂

[@PassiveIncomeTom]

*Not a 20 year old anymore but all great tips. Life goes by fast. Make mistakes and enjoy life!* 😉

[@kylecouture1917]

My first mistake was putting 2500 info crypto a few years ago when it was at an all time high. 🤣 tought me alot though. Now its just long term roth ira and 401k. Havnt sold my crypto. Maybe it will go back up one day.

[@collinwessel2469]

I laughed when he talked about the Prius lol. Great vids!

[@AkhilVerghese]

Nice El Primero, bud!

[@AustinGarner]

Stuck in quarantine or at home? Perfect time to binge Graham Stephan videos! Also Graham are you trying a different upload schedule for the second channel?

[@GrahamStephan]

Enjoy! Yes for now, Tuesday and Saturday!

[@tracy_cakkes]

Saaame been doing it all week lol

[@flo3467]

Dude, the US are a paradise for investing. I live in Europe and we're getting milked here. As a middle class worker I have a higher tax rate than a top class manager in the States. Not even talking about investment income, but about salary taxes.

[@tinaoblak8962]

I really enjoy watching your videos. Im 21 years old and searching for ways to make more money and your yt channels is one of the main sources of learning how to use money correctly. So thank you and keep making great videos!☺️

[@samanthaspina4]

I love the positivity of this video. :)

[@shawnhumphreys3504]

Investing in getting into computer programming without college degree. Haven't done a good job investing in myself until now

[@JamesHollowayYT]

I'll never regret investing in myself! Invested $400 for a real estate investing course, and it helped me achieve $1100/mo in cash flow from only TWO properties! Also learn new things and expand YOURSELF!

[@JamesHollowayYT]

Nawal Ahmed Kris Krohn’s Lease Option Pro! I teach some of that strategy on my KZbin channel. Just with my experiences with my two properties!

[@JamesHollowayYT]

I hate Commenting I do not! I don’t NEED one. But on the other hand, I will be getting my license just so I can make those commissions on the side then dump all that back into my portfolio of properties :) I’m currently active duty Air Force!

[@JamesHollowayYT]

I hate Commenting not a problem :) if you ever have any questions about real estate investing, you can ask me at anytime on my KZbin channel and I’ll gladly answer anything you got!

[@JamesHollowayYT]

I hate Commenting thank you ❤️

[@SkylineLofe]

2. Get a reliable used car Graham: Get you something that is reliable and used and will get you from point A to B and won't make you go broke\ Me, a car guy: *stares intensly at 1994 Toyota Mark II JZX90 that I need to import for a total cost of 19k USD*

[@neft5449]

At least you ain't a BMW guy, those lose money QUICK 🤣

[@ahzmaster2676]

Let alone youre not driving pirus but getting some respect in car scene

[@agent00p65]

Y'all know any good car youtubers or sum yo get into? Idk anything about cars coming into my senior year lol

[@beastmode6756]

@@agent00p65 Tj hunt, adam lz, cleetus mcfarland, evan shanks, monkey london and many more people

[@OleBiermann]

feeling so bad to be a car guy after improving my financial knowledge... my long term goal was and is to buy a mark 2 TTRS and ive saved all up for it. Allthough it could be used as a down payment in RE or anything else in terms of investment whatsover i am sure i am sure the car will make me happy as well .. bad hobby

[@nycyogastudio]

Thank you so much for putting notes in your description, it makes it really easy to follow along & get a take away from the video 🙏🤗

[@alejandrousobiaga1619]

Thanks Graham, Can’t get enough of your videos; and if you have the time to make more 30s related one it would be much appreciated. Keep up the amazing work. ✌️

[@katieslauson8203]

I opened up my Roth IRA when I was 19 and that honestly was the best decision I could have made. I put $1000 into it to begin with, which felt like a lot of money at the time, but now, after I've graduated from college and have more of my life together, I can look back and fully realize that it was such an important move for me then. 👍👍

[@pritalbamnodkar2620]

Book Recommendation: "How to be Rich" by J. Paul Getty (was the richest man in the world in the 60s). You should be able to just download it from the internet since it is in public domain now. Also, Smash the Like button for the KZbin Algorithm.

[@Milandilio]

Yes to suggestions for those of us in our 30s!

[@mitcho8666]

i just discovered your channel today... i wish i was a teenager watching your videos. would be a great kick start

[@olisaclaire5818]

It is highly advisable you invest in your 20’s,because the quicker you start investing the better you execute plans and projects but personally you should always do a background check up on your source before investing,Ensure you are investing through a solid foundation source to avoid losing funds

[@karlaluke9472]

I have lost investing with numerous rigid traders on here,i’m still trading and learning to improve my technique i just need a more reliable source to earn other than youtube

[@olisaclaire5818]

I invest with pro trader wilton and i get huge profit through in return,she is a licensed broker and she renders good trading assistance I recommend you contact her if you’re looking to grow financially through trading

[@olisaclaire5818]

Ellenwilton2 @ g ma il , insta gram Ellenwilton2

[@gebiaaron3344]

This was how i got recommendations about wilton,At first i was a bit skeptical but eventually i gave her a trail with my little investment i got huge profits

[@viligaspar8669]

Honestly I really love your channel! I am only 15, so I don't have much financial freedom nowadays, but watching you really inspires me. I hope I can work out some of your tips so I can really start investing. Thank you for releasing these videos, I hope I can take as much from them as possible. Stay nice, and please, keep posting!

[@VyseFIRE]

how's life now? are u any closer to financial freedom?

[@mashai1161]

Thank you!!!! I drive prius and feel so much better now😭😭😭

[@hoodrichbarbiie6521]

you're a genius Graham

[@Avoug]

It’s interesting how you zoom in after every sentence, and zoom out back to normal before starting another idea.

[@jasonfulton8530]

Im so glad I started watching Graham at a young age, he's inspired me so much, at 19, I purchased my first house for, $67,000 (appraised at $99,000) and I'm currently upgrading the kitchen and bathroom to hopefully raise the value a few thousand. Hopefully in the next few years I'll have enough to purchase a duplex or triplex and house hack and use that to reinvest!

[@HondaCivic581]

How did you come across the $67,000?

[@richyoung4051]

@@HondaCivic581 its called a mortage?

[@ThePremierAlan]

@@richyoung4051 youre guessing my guy

[@ukabajunior]

Not even a minute in 0:35 and i was hooked! Effortless content.

[@abdurahgmanmohamed9523]

Your videos are the best bro 😂 Cape Town, South Africa 🇿🇦

[@RealLifeMoney]

With this market seems like nothing is a good purchase lol. Great time to start as soon as possible tho 👍

[@GrahamStephan]

Agreed! Now is the best time to start

[@oliviagreen8853]

OMG!! YOU OWN A PRIUS?! 😍 *swoons* But no seriously, I’m a huge advocate of cheap old cars. No car payments are the best!

[@davidguevara8455]

I've watched so many Graham Stephan videos I made a game or myself to hit the like button before he mentions it :)

[@dazzafication]

Beating Graham to smashing the like button 😃 by liking it at the very beginning of the video

[@firefuchs7500]

6:07 loved this little bit lmao. I always smash the like button the same amount of times as you tell me to.

[@rookieman329]

is it odd or even? cause I smash it once

[@firefuchs7500]

5 times

[@coltonwilliges1140]

Nobody: Graham: third best thing is to smash the like button... okay fine I’ll tell you. The third best thing you can do in your twenties is- *30 second ad*

[@QuantumPhii]

whats an ad? *coughs in YT premium

[@TopTower69]

I want to be a real estate agent. And just found your channel, but i'm hooked

[@darrinhargis]

Hey gram good advice... I think one of the best things you ever said was when you're in your early career you can get away with driving a crapy car and having a crapy job but need to step it up as you get older... showed it to the kids and I think it's knocking them into the shape.. thanks

[@TylinaVespart]

"Unless you're 29 and a half" feeling a little called out here Graham 😂

[@BrendanEvan]

Well this would have been excellent to pay attention to 10 years ago.

[@seanlee9354]

*currently smashing like button*

[@luzvalenzuela5706]

I knew I saw you somewhere else and now rewatching season 1 of selling sunset I've notice you were there! love that show, the houses are amazing and the drama is really funny, seemed like you were enjoying it too lmao