Dave Ramsey Reacts To My $25 Million Dollar Investment

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  • čas přidán 16. 05. 2024
  • Today we meet with Dave Ramsey to discuss investing, debt, building wealth, and credit cards - Enjoy! Add me on Instagram: GPStephan | Follow Dave Ramsey Here: / theramseyshowepisodes
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Komentáře • 2,9K

  • @GrahamStephan
    @GrahamStephan  Před rokem +826

    REMINDER: Make sure to subscribe, because I have a full 1.5 hour long podcast posting this weekend with Dave Ramsey and George Kamel: czcams.com/users/TheIcedCoffeeHour

    • @GrahamStephan
      @GrahamStephan  Před rokem +140

      I also have a second video going over Dave's portfolio - it's insane. You won't want to miss it.

    • @DavidRosemon
      @DavidRosemon Před rokem +13

      Listen to Dave! Invest in more Real Estate Graham it makes for amazing content and you’re incredibly good at it. Much love from a longtime supporter

    • @nicholasmartinez6043
      @nicholasmartinez6043 Před rokem +24

      Dude huge props for getting Dave to chat the way you did. I don’t think I’ve ever seen “real Dave” this way before

    • @ProCoderIO
      @ProCoderIO Před rokem +3

      What???? Can't wait!!!

    • @jacobhuelsman8447
      @jacobhuelsman8447 Před rokem +1

      @@GrahamStephan 2 v

  • @MickyGlover
    @MickyGlover Před 8 dny +841

    As an lnvesting enthusiast, I often wonder how top level investors are able to become millionaires off investing. . I’ve been sitting on over $545K equity from a home sale and I’m not sure where to go from here, is it a good time to buy into stocks or do I wait for another opportunity?.

    • @GaryNicka
      @GaryNicka Před 8 dny +3

      Well as you know bigger risk, bigger results, but such impeccable high-value trades are often carried out by pros.

    • @kurtKking
      @kurtKking Před 8 dny +2

      People dismiss the importance of advisors until they are burned by their own emotions. I remember a couple of summers ago, following my lengthy divorce, I needed a good boost to assist my business stay alive, so I looked for qualified consultants and came across someone with the highest qualifications. She has helped me raise my reserve from $275k to $850k, despite inflation.

    • @donovantobs
      @donovantobs Před 8 dny +1

      How can I participate in this? I sincerely aspire to establish a secure financial future and am eager to participate. Who is the driving force behind your success?.

    • @kurtKking
      @kurtKking Před 8 dny +1

      Actually its a Lady. Yes my go to person is a ‘MICHELE KATHERINE SINGH '. So easy and compassionate Lady. You should take a look at her work

    • @donovantobs
      @donovantobs Před 8 dny

      Thank you for this amazing tip. I just looked the name up and wrote her
      up, to schedule a call. many thanks

  • @MablePauls
    @MablePauls Před 4 dny +669

    I think investors should always put their cash to work, especially In 2024, we'll start to see more market diversification. I'm hoping to invest about $350k of my savings in stocks against next year. Hope to make millions in 2024

    • @SirBenjamin-oq1wd
      @SirBenjamin-oq1wd Před 4 dny

      Since risk is at an all-time high right now, perhaps you should be a little more patient and return when it has decreased. Alternatively, you can consult a trained financial expert for strategy.

    • @Elizabeth-mh2dj
      @Elizabeth-mh2dj Před 4 dny +1

      Yes true, I have been in touch with a brokerage Advisor. With an initial starting reserve of $80k, my advisor chooses the entry and exit commands for my portfolio, which has grown to approximately $550k.

    • @Stephine-un5zs
      @Stephine-un5zs Před 4 dny

      I’ve been looking to switch to an advisor for a while now. Any help pointing me to who your advisor is?

    • @Elizabeth-mh2dj
      @Elizabeth-mh2dj Před 4 dny

      Angela Lynn Shilling is the licensed advisor I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.

    • @Stephine-un5zs
      @Stephine-un5zs Před 4 dny

      I searched for her full name online, found her page, and sent an email to schedule a meeting. Hopefully, she responds soon. Thank you

  • @NicholasBall130
    @NicholasBall130 Před měsícem +647

    I’ve been diligently working, saving and contributing towards financial freedom and early retirement, but the economy so far since the pandemic has eaten away most of my portfolio, what I want to know is this: Do I keep contributing to my portfolio in these unstable markets or do I look into alternative sectors.

    • @StocksWolf752
      @StocksWolf752 Před měsícem +4

      Just try to diversify your portfolio to other market sectors, that way your investment is balanced and you don’t get to make so much losses.

    • @EleanorBaker474
      @EleanorBaker474 Před měsícem +4

      The enduring US stock market bull run evokes a mix of fear and excitement, presenting opportunities with insight, resulting in $780k gains in the past ten months, utilizing a portfolio advisor for a well-defined strategy.

    • @StacieBMui
      @StacieBMui Před měsícem +3

      My portfolio has been in the gutter for the entire year, so I started researching new ways to profit in the market, but everything I tried just seemed to miss the mark. Please let us know the name of your financial advisor.

    • @EleanorBaker474
      @EleanorBaker474 Před měsícem +2

      Credits goes to " Sonya lee Mitchell" one of the finest portfolio managers in the field. She's widely recognized; you should take a look at her work.

    • @crystalcassandra5597
      @crystalcassandra5597 Před 28 dny

      I searched her up, and I have sent her an email. I hope she gets back to me soon. Thank you

  • @HooviesGarage
    @HooviesGarage Před rokem +1215

    I would probably give Dave Ramsey a stroke if I showed up in his studio with my Portfolio on an iPad.

    • @Thunderbison
      @Thunderbison Před rokem +46

      That would be great entertainment though!

    • @CleanGroutNW
      @CleanGroutNW Před rokem +16

      Dave Loves cars too though so he might not freak out as much as you think

    • @joelwillems4081
      @joelwillems4081 Před rokem +11

      Mine would probably be closer to the every day people that he yells at. Except I'm not in debt to my eyeballs.

    • @UnibrowBandit
      @UnibrowBandit Před rokem +39

      Hoovie commenting on a video of Graham Stephan talking to Dave Ramsey is like running into my best friend, coworker and dad having lunch without me being invited.

    • @tybarker5038
      @tybarker5038 Před rokem +2

      “All it’s done this year is go down!”

  • @AndreiJikh
    @AndreiJikh Před rokem +4128

    Never meet your heroes: unless it’s Dave Ramsey

    • @GrahamStephan
      @GrahamStephan  Před rokem +529

      Dave Ramsey is allowed

    • @kvmairforce
      @kvmairforce Před rokem +85

      I met myself and it was everything I ever imagined.

    • @nathanlevin_
      @nathanlevin_ Před rokem +13

      Andrei Jikh 26 minutes late to the party!!! Haha 🤪🎉

    • @_baller
      @_baller Před rokem +25

      Who has Ramsey as his hero

    • @beluga101
      @beluga101 Před rokem +2

      Or u

  • @sherry_smith_penson
    @sherry_smith_penson Před rokem +1060

    Yes stocks are pretty unstable at the moment, but if you do the right math, you should be just fine. Bloomberg and other finance media have been recording cases of folks gaining over 250k just in a matter of weeks/couple months, so I think there are alot of wealth transfer in this downtime if you know where to look.

    • @angelicaaquino4109
      @angelicaaquino4109 Před rokem +1

      Since the crash, I've been in the red. I’m playing the long term game, so I'm not too worried but Jim Cramer mentioned there are still a lot of great opportunities, though stocks has been down a lot. I also heard news of a guy that made $250k from about $110k since the crash and I would really look to know how to go about this.

    • @martingiavarini
      @martingiavarini Před rokem +2

      There are actually a lot of ways to make high yields in a crisis, but such trades are best done under the supervision of Financial advisor.

    • @angelicaaquino4109
      @angelicaaquino4109 Před rokem

      @Dan Brooks Impressive can you share more info?

    • @angelicaaquino4109
      @angelicaaquino4109 Před rokem +1

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

  • @Erickruiz562
    @Erickruiz562 Před 2 měsíci +1032

    Buying a stock is easy, but buying the right stock without a time-tested strategy is incredibly hard. Hence what are the best stocks to buy now or put on a watchlist? I’ve been trying to grow my portfolio of $560K for sometime now, my major challenge is not knowing the best entry and exit strategie;s ... I would greatly appreciate any suggestions.

    • @AaronZak-js
      @AaronZak-js Před 2 měsíci

      It comes down to technique; a downtrend gives you room to focus on the market and grow significantly in the short or long term. While it is easier to make money when the market is rising, a downtrend can still yield high returns if you have the necessary knowledge and skills. For this reason, I have been scaling up during this difficult period by working with an investment advisor; this has been the only way I have raised up to $150K in the last six months.

    • @AaronZak-js
      @AaronZak-js Před 2 měsíci

      @@LarryE.Zamora
      I work with Alicia Ann Jordan, a licensed fiduciary. Simply look up the name. The information you need to work with a letter to schedule an appointment would be included.

    • @LenaSchweizer-ff8xy
      @LenaSchweizer-ff8xy Před 2 měsíci

      Thank you for this tip. it was easy to find your coach. Did my due diligence on her before scheduling a phone call with her. She seems proficient considering her résumé.

    • @andreapayneconnally390
      @andreapayneconnally390 Před měsícem

      hire someone else to do it. seriously. They'll charge you a fee but they already know the risk assessment and exit strategies that are time tested. They'll more than make up the difference in fees. Or just invest in the Vanguard or something similar. Spread it out and just set it and forget it.

    • @chloeclingerman9883
      @chloeclingerman9883 Před měsícem +4

      My suggestion is don’t take suggestions from the CZcams comments. Not bc there aren’t knowledgeable people on here who can give great advice - but bc you know nothing about them. Could be a successful multi-millionaire, could be a broke keyboard warrior.

  • @BeginningProgrammer
    @BeginningProgrammer Před rokem +364

    it's awesome that Dave Ramsey can have that conversation with your and still give you accolades on your ways even if you don't do it the way he would. Much respect to both of you.

  • @100moviemarathon
    @100moviemarathon Před rokem +659

    Congrats Graham! I’m sure this was a huge personal moment for you collabing with Dave. Well deserved man! Keep it rolling!

    • @GrahamStephan
      @GrahamStephan  Před rokem +69

      Thanks a ton!

    • @davidfunvideos
      @davidfunvideos Před rokem +5

      @@GrahamStephan Nice to see your collab with Dave Ramsey. What was it like meeting him and his staff?

    • @matto6019
      @matto6019 Před 3 měsíci

      @@davidfunvideosyou are not worthy of Graham’s response!

  • @kaitlynprudhom5888
    @kaitlynprudhom5888 Před rokem +162

    I saw this and about cried with how kind and gentle Dave is. He has such a kind heart but he is a rock because he knows his ways works for the every day person.
    This is absolutely fantastic and I wish I had seen it sooner.

    • @stephenparsons6011
      @stephenparsons6011 Před 8 měsíci +5

      Dave would have treated this person much differently on the phone.

    • @djlowtek
      @djlowtek Před měsícem

      @@stephenparsons6011 100% he would have ripped them apart. This is all just PR face for Dave here.

  • @brianwhitehawker1756
    @brianwhitehawker1756 Před rokem +737

    Quite sad what's happening in the market. Although, even the worst recessions offer wonderful buying opportunities in the markets if you're cautious. Volatility can also result in excellent short-term buy and sell opportunities. The market circumstances are driving me insane, my portfolio has lost almost $13K this month alone, my earnings are tanking. I'd appreciate some financial advice from anyone who knows more going forward.

    • @codeblue11
      @codeblue11 Před rokem

      The same high-yield potential exists in both bullish and bearish situations; what matters is how information and technique are used. Not neglecting professional advice.

    • @ervinmurray1253
      @ervinmurray1253 Před rokem

      @@carlocase8027 There's a decline in my portfolio. lost over 12 thousand this week alone. Can you link me up with your handler?

    • @dominantnat9624
      @dominantnat9624 Před rokem

      Thanks for the tip Carlo, I merely looked her up on Google and was highly impressed by her credentials; I just booked a call session with her.

    • @NopeNope78
      @NopeNope78 Před rokem +9

      @@dominantnat9624 this fakes conversations are hilarious

    • @DNaupari
      @DNaupari Před rokem +6

      @@NopeNope78 worse actors than Pauly Shore.

  • @SkateBox
    @SkateBox Před rokem +127

    Possibly the greatest collab in finance youtube history

    • @GrahamStephan
      @GrahamStephan  Před rokem +4

      ah thanks!

    • @somecallmetim46
      @somecallmetim46 Před rokem

      And IMMMMM here for it yall

    • @bondjames-bond7664
      @bondjames-bond7664 Před rokem

      @@GrahamStephan you shud interview mr money moustache .... I am from india .... Ive been following his blog from 2016 ... I also read Early retirement Extreme from past 5 -6 years n the irony here is that I'm still broke 😜😜😜😜😜

  • @fractalclues
    @fractalclues Před rokem +183

    Wow! You’ve managed to impress Dave Ramsey. Not an easy feat, my friend. Good job 👍🏾

    • @GrahamStephan
      @GrahamStephan  Před rokem +19

      ha thanks!!

    • @watertommyz
      @watertommyz Před rokem

      Gross. Cult like religious leader, who treats his employees like crap.

    • @TheNativeTwo
      @TheNativeTwo Před rokem +3

      @@GrahamStephan Dave Ramsey did say one thing wrong... "there are no secrets of the rich." Actually there is one. It's the one and only thing you need to be rich and it's in all books or lists of secrets of the rich... Often called "live below your means." The only way to get rich is by reducing your spending on consumer goods and increasing your spending (investing) on capital goods. You have to reduce your lifestyle and not live paycheck to paycheck. There's an economic proof for this. It's called the production possibilities frontier. So think of yourself as an economy. To grow your personal economy you have to increase your ppf.

  • @RuslanKD
    @RuslanKD Před rokem +93

    Former FPU host. This is the most sensible I’ve ever heard Dave Ramsey in my life. Love that you guys had this convo.

    • @samuelgarcialopez6647
      @samuelgarcialopez6647 Před rokem

      Ruslan!

    • @VGFightSchool
      @VGFightSchool Před rokem +8

      He’s always been sensible, it’s just that head been dealing with a lot of senseless financial decisions people make daily so it’s hard to have him talk on this level frequently.

    • @simplyafederalist
      @simplyafederalist Před rokem +1

      Usually his detail investment advise is bad. That has always been my biggest problem with him. However this was great advice. So I have revised my opinion. I think he just gives horrible advice on tax planning and stock investments. His real estate and concentrating on what you are good at is great investment advice.

    • @BradColemanisHere
      @BradColemanisHere Před rokem +5

      @@VGFightSchool Yep, I second this. This is the Dave Ramsey who speaks to people who understand finances. The Dave Ramsey that makes the news is the one speaking to people trying to get a 7% mortgage on a trailer home co-signed by their mom.

    • @WPFD451
      @WPFD451 Před 3 měsíci

      FPU, including the baby steps, is for people with an infantile understanding of budgeting and finance. I'm not saying that to be mean; we've all been there. It is just a matter of what stage you begin to learn. Some people will never graduate beyond the baby steps, and that is totally fine as long as it facilitates the mitigation of financial risk and helps accomplish long-term goals. Dave is a smart guy; he develops and markets this material to a certain audience. For the most part, he hits that target and provides a valuable service for the market he targets.

  • @randomprojects9103
    @randomprojects9103 Před rokem +220

    This is probably my favorite video you've made in a long time. You both have been very influential in my life.

    • @GrahamStephan
      @GrahamStephan  Před rokem +69

      It really was - and even better, I have another video with him posting next week! Making it a slightly longer version, seems like people want more!

    • @2005Pilot
      @2005Pilot Před rokem

      @@GrahamStephan Absolutely!!

    • @livinwiththeedges8283
      @livinwiththeedges8283 Před rokem +1

      This video was great! I thought it was click baiting from Gharam but so happy I watched.

    • @mhypark
      @mhypark Před rokem

      Graham will you be on his channel as well?

    • @dilhack2682
      @dilhack2682 Před rokem

      @@mhypark he already was a few days ago.

  • @KingKobra49
    @KingKobra49 Před rokem +155

    Motivation of the day; Never take criticism from someone you wouldn't go to for advice. -Morgan Freeman. You got this keep going !❤️‍🔥

    • @GrahamStephan
      @GrahamStephan  Před rokem +24

      I appreciate that!

    • @ImStuckInStockton
      @ImStuckInStockton Před rokem +5

      That's terrible. People that hate you are often quickest to point out your mistakes. Good advice can come from anywhere.

  • @groachslayer
    @groachslayer Před rokem +15

    Graham, it was very kind of Dave to do this video with you! These kinds of collaborative/discussion style videos rock. Really great to hear Dave's perspective, always been curious, and not surprised by his overall assessment.

  • @scottkendrick4544
    @scottkendrick4544 Před rokem +14

    What a wonderful conversation! That is the Dave Ramsey that people love. You guys were talking like best buddies.

  • @lukescapee1234
    @lukescapee1234 Před rokem +271

    This is insane you got to do something like this together. Collab I’ve been dreaming of.

    • @GrahamStephan
      @GrahamStephan  Před rokem +27

      Absolutely!

    • @networth00
      @networth00 Před rokem

      @@bannertraveller5879 We grew up in different times. Credit cards are for suckers.

    • @networth00
      @networth00 Před rokem +1

      @@bannertraveller5879 How many hours did you put into that mess? People with money don't worry about $800.

    • @networth00
      @networth00 Před rokem +1

      @@bannertraveller5879 I'm worth several mill and don't care about $800. Bye.

    • @networth00
      @networth00 Před rokem

      @@bannertraveller5879 I'll send you $10 since you think it's a lot of money. What's your venmo?

  • @cjmixer99
    @cjmixer99 Před rokem +268

    You know you’re doing something right when Dave Ramsey doesn’t criticize you. Amazing opportunity Graham, and congrats on all your hard work. Really awesome to see this. Cheers

    • @alrbredwall
      @alrbredwall Před rokem +7

      Did you watch the same video? Everytime he says "I personally wouldn't do anything like that" is him essentially saying that is not a great decision.

    • @cjmixer99
      @cjmixer99 Před rokem +13

      @@alrbredwall - Good point. However Dave offered Graham lots of praise for his achievements, and seemed to have respect for his hard work. Then again, Graham isn’t the typical guest on the show that’s in heavy debt. So this is more of a mentorship chat, which is pretty cool to see. Very different exchange from the common “tough love” were used to hearing from Dave.

    • @MrTaylorfenoglio
      @MrTaylorfenoglio Před rokem +1

      He most definitely criticized 😂

    • @TheBrazilRules
      @TheBrazilRules Před rokem +2

      Pretty much the only criticism was he not being diversified. And he must rush since we are probably gonna see the real estate market crashing soon

    • @alrbredwall
      @alrbredwall Před rokem +2

      @@TheBrazilRules he also mentioned that with all of the leverage against him he should have more cash to protect himself if he isn't going to pay off the debt all at once

  • @DailyElectrician
    @DailyElectrician Před rokem +2

    super inspiring to see you finally meet him and be on the show! so happy for you!

  • @jhamby8773
    @jhamby8773 Před rokem +281

    I really like both of you guys. You’re both mature, smart financial minds, and this was a fantastic meeting of those minds. This could be a seriously successful series.

  • @daxisperry7644
    @daxisperry7644 Před rokem +265

    The fact that he's got 3/4 of his debt covered in cash and has a ton of investments that he could liquidate really fast, is probably what made Dave so comfortable with that debt. It is Wild to see how much money/assets Graham has! Good for him.

    • @free-qe6wx
      @free-qe6wx Před rokem +4

      LOL, that's because its all BS. People are so incredibly gullible these days. I bought my house for $250k, but now its worth $18T. All I owe is a $20T mortgage on it. I'm a genius! LMAO. Seriously, though, the only thing this guy owns is debt. Seen this a million times.

    • @StTimmy
      @StTimmy Před rokem +14

      @@free-qe6wx how's it BS?

    • @ryankeels4661
      @ryankeels4661 Před rokem +12

      It's because he makes so much from his CZcams (Over 100K per month)... so he's been able to roll it all into the properties... he tells you about real-estate, gets 5x his real-estate money from CZcams, rolls it into his portfolio, then tells you about his new portfolio and looks like a real estate genius lol

    • @VersanGetryx
      @VersanGetryx Před rokem +2

      @@free-qe6wx It's BS if you think real estate appraisals and valuations are BS - do you think his properties are not appraising for what he's noting here? Look at similar-sized lots in Vegas? Or is your point that he is pyramid-scheming his properties with all the cash-out refinances?

    • @amorton94
      @amorton94 Před rokem +11

      @@free-qe6wx You understand those are all renovated properties, right? Bought for little, fixed and renovated, sold for top dollar, or rather appraised and rented out at this point. It's only BS if you're ignorant. The housing market has been absolutely ridiculous the last few years. There's always the haters that think absolutely everything is fake. 😂

  • @DrBeauHightower
    @DrBeauHightower Před rokem +171

    This was fantastic

  • @m.walter8067
    @m.walter8067 Před rokem +6

    I love your rapport with Dave ! Also your guest appearance with Dave and George. Great chemistry and wisdom to impart ! Tysm

  • @jonnyfortin
    @jonnyfortin Před rokem +5

    I'm so glad you guys did a segment together. I've been watching you guys for years.

  • @chrisgoncalves9405
    @chrisgoncalves9405 Před rokem +23

    This was a dream come true watching the two of you guys working together ! Awesome videos and I hope you guys work more together !

  • @DavidDiMuzio
    @DavidDiMuzio Před rokem +7

    Great advice, I love the “Be you” advice especially. True that!

  • @owenparadis7766
    @owenparadis7766 Před rokem +143

    This is almost a discussion between two financial guys from two different parts of their lives. Really good episode! Like they say, the young guy knows the rules, the old guy knows the exceptions!

  • @hannahdonald9071
    @hannahdonald9071 Před rokem +156

    Although I don't know any yet, investing with the help of a seasoned coach I read is a really good technique to create passive income. However, my portfolio contains about $570K in Adobe/Fedex/TSLA stocks. Can you give me some ideas on other equities I should buy in order to spread my savings among different markets and build a well-rounded portfolio that balances my risk aversion concerns with returns that keep up with inflation?

    • @champhallier8468
      @champhallier8468 Před rokem

      @@tampabayrodeo2474 I do not really know a lot about the market, but based on what little understanding I do have of supply and demand in the economy, now is the best time to enter the market. The only thing preventing me, however, are the steady price fluctuations, which shouldn't be a problem. However, I really need an advisor, can yours help?

    • @mcginnnavraj4201
      @mcginnnavraj4201 Před rokem

      Johanna really seems to know her stuff. I found her web~~page,,, read through her resume, educational background, qualifications and it was really impressive. She is a fiduciary who will act in my best interest. So, I booked a session with her

  • @JohnMoser66
    @JohnMoser66 Před rokem +9

    Wow! Congrats Graham. What a great interaction you had with Ramsey. I’ve admired him for a long time & you’re hitting it on all cylinders! ⭐️

  • @seth_godwin
    @seth_godwin Před rokem +253

    This was actually incredibly refreshing to watch. It’s nice to see Dave look at and accept debt from a logical standpoint while still holding true to his beliefs around it. I never thought I’d see the day that Dave accept someone having debt as part of a risk balanced portfolio

    • @itschrisbowman
      @itschrisbowman Před rokem +5

      Right? Totally agree, Seth. 👍

    • @clarifyingquestions
      @clarifyingquestions Před rokem +21

      He always has - people dont understand or actually listen. DR is saying that the baby steps are the fastest and SUREST way to build wealth. He has never said it is the ONLY way. It is his way and if people call and ask for advice this is the response you will always get 1-7.

    • @kennylaysh2776
      @kennylaysh2776 Před rokem +3

      This is how my financial advisor has always been - if the debt is affordable and low enough interest, he always recommends investing for a higher return, and letting the debt slowly work off instead of lump-sum paying it off. Like a house loan, which is usually lower % than what you can make investing $100k+

    • @howitzercannon2713
      @howitzercannon2713 Před rokem +12

      There is a difference between Graham having debt as part of his business and using it logically/mathematically while making money on the properties vs a couple living in house with two jobs and overbuying something they aren’t using to make money on but to live in… totally different types of debts.
      Not you specifically but I have seen many peoples’ criticisms about his anti debt and baby step philosophy as too hard core but that’s the only way for the average non business minded person to really do well. KISS. Keep it simple stupid.
      He is also not wrong, paying off the debt would just eliminate all risk for graham and let him continue to build cash with no debt to become his “own bank” for the next property. As Dave said, he didn’t make his money leveraging rates but rather finding and making good deals.

    • @alrbredwall
      @alrbredwall Před rokem +7

      He doesn't accept it. He just understand he isn't going to convince this guy otherwise.

  • @Basta11
    @Basta11 Před rokem +63

    I’m pleasantly surprised at Dave’s diplomatic way of speaking. He comes across as preachy in his show but he really knows how to talk to a person who potentially has an opposing view and just calmly speak his mind without being disagreeable.

    • @cellsheet
      @cellsheet Před rokem +4

      I was kinda shocked tbh at it, amazing vid tho

    • @DarinPirkey
      @DarinPirkey Před rokem +15

      His show is catered to people who can't control themselves. Specifically they can't control themselves with accumulating consumer debt.. When he gets in the room with someone who understands what's going on, this is who is usually is.

    • @zacharyspear
      @zacharyspear Před rokem +1

      Yea this was great

    • @goldenremnant2610
      @goldenremnant2610 Před rokem +4

      Dave’s target audience is people who are financially immature. This young man is not financially immature.

    • @mbrasseau
      @mbrasseau Před rokem +1

      @@DarinPirkey He might "think" that is his audience... but those people won't be reached by ugliness. His actual audience are people who are just as ugly-minded as him... so they can have nasty attitudes about "others". If he carried the attitude he had in this video ALL the time, he'd actually reach the people he claims he wants to reach... but his viewership would go down.

  • @devaughn1990
    @devaughn1990 Před rokem +4

    Great discussion love hearing two opposing opinions on the opposite ends of the spectrum and being able to sit and meet in the same room and have a civil discussion. THIS is what both of your subscribers are looking for. Also it’s what we need in our country

  • @fijicivic24
    @fijicivic24 Před rokem +142

    Graham I appreciate you always being consistent through the years. Finance CZcamsrs dropping like flies.

    • @GrahamStephan
      @GrahamStephan  Před rokem +35

      I just love making videos!

    • @tyh3120
      @tyh3120 Před rokem

      @@GrahamStephan This is not a normal financial crisis, but the change of the civilization. Meta in Hebrew = death

    • @morganbeckwith2156
      @morganbeckwith2156 Před rokem +4

      @@GrahamStephan & money!

    • @lionheart93
      @lionheart93 Před rokem +3

      they should because many are creating false expectations

    • @travisfosterart
      @travisfosterart Před rokem

      @@GrahamStephan We appreciate your drive, tenacity, and perseverance. Your content keeps us coming back for more. We are grateful.

  • @codygalea137
    @codygalea137 Před rokem +21

    Thank you Graham! Have been waiting years for this. You got me started on this journey back in 2017. I watched you make a Dave Ramsey video then I started watching Dave Ramsey. So proud of you as well as I know you would of been itching for this.
    Next time I hope it’s on iced coffee hour.

    • @GrahamStephan
      @GrahamStephan  Před rokem +3

      So happy to help, man!! Thanks so much! We have a podcast posting maybe tomorrow or Sunday!

  • @lawsadvice3736
    @lawsadvice3736 Před rokem +119

    Omfg! LibertonCorp turned out to be a bloody smart move. I love love love this. I’m the wrong side of 40 so I’m taking this all on board IMMEDIATELY- thank you! Even if I run out of time my kids will benefit from this incredible education. Thankyou thankyou thankyou!!

  • @samuelacuna6053
    @samuelacuna6053 Před rokem +3

    The conversation that I was waiting for!!!
    Thanks Graham, it went beyond what I was expecting. Keep it up man!!!

  • @mariee.5912
    @mariee.5912 Před rokem +75

    They have respectfully criticize each other for years. Both with different experiences about debt, both successful and both sticking with their principles. I love this collab.

    • @canadianslivingdebtfree6120
      @canadianslivingdebtfree6120 Před rokem +1

      YES! Respect even among disagreement! What a shocker in this world today! :) Love it!

    • @mbrasseau
      @mbrasseau Před rokem +2

      First time I have ever seen DR this way. It was really nice!

    • @MrJimmy3459
      @MrJimmy3459 Před rokem +2

      True, but Dave is on his way to being a billionaire

    • @JafacaksWasTaken
      @JafacaksWasTaken Před 3 měsíci

      @@MrJimmy3459 not even close

  • @tommywardmusic
    @tommywardmusic Před rokem +19

    It’s amazing to see you two come together for this. I’ve watched you both religiously for the last number of years. What an incredible moment. Congrats Graham.

  • @champhallier8468
    @champhallier8468 Před rokem +156

    With the media, its usually sad news. Nonetheless, this administration has strung us all up. Ab Initio, dividends are what got me into investing in the stock market. The thing to me is, if you invest and have other income outside of dividends then you will be able to live off dividends without selling. Which means you can pass that on to your kids which will give them a leg up in life. Have over $730K in my portfolio as I bought a lot of dividend stocks before, I'm buying more now, and I will buy more when it drops furthe

    • @scottashwood9985
      @scottashwood9985 Před rokem +1

      If history has taught us anything, it’s that bad market environments are the best times to find great opportunities.

    • @graceocean8323
      @graceocean8323 Před rokem +1

      After a few good years in the stock/ETF market, my thought was that I had a grip on it. However, things changed during when I was laid off my job and needed to diversify my savings,, so I contacted a coach "Johanna Mussche" who devised a system that suited my goals, and in my first year, I made a little above $670k. I am now in charge of my own business and hope to scale to a million by the end of this year

    • @graceocean8323
      @graceocean8323 Před rokem

      @@tampabayrodeo2474 You can look her up as she has an official webpage for consultations. According to Warren Buffet "I don’t think most people are in a position to pick single stocks. A few are, maybe, but on balance, I think people are much better off buying a cross-section of America and just forgetting about it" In Other words, you need expert hands to be able to outperform the index.

    • @BL_Denni
      @BL_Denni Před rokem

      The media is placing you on the opposite side of reality. It works well so well in fact that if you don't allow the media to make financial decisions and you do the opposite you will be rewarded.

    • @Jakkaribik1
      @Jakkaribik1 Před 25 dny

      Dividends Are Great be sure To Buy Many Different Ones in the End you have a couple Hundreds giving out good and bad mostly good. Semi Free Money !!

  • @iananderson8288
    @iananderson8288 Před rokem +2

    So raw and authentic. No bs, straight to the point. Love this

  • @JD-so1zv
    @JD-so1zv Před rokem +3

    I’m impressed that Dave was as humble and understanding as he was and gave what I felt was pretty great feedback.

  • @MitchTolandJr
    @MitchTolandJr Před rokem +3

    LOVE THIS. The collab we always needed, and great seeing Dave in a calm setting lol

  • @AnOriginalYouTuber
    @AnOriginalYouTuber Před rokem +5

    Dave's advise is straight forward and simple. Perfect for busy people with families and full time jobs.

  • @ElleBean17
    @ElleBean17 Před rokem +3

    Great interview!! We started out listening to Dave and he helps so many people get out of debt! Now… on to buying more properties!!

  • @Resseguie
    @Resseguie Před rokem

    I loved this, having respected both of your opinions for years. And it's great to see that folks with differing opinions can still sit down and have this type of open discussion, both learning and sharing back and forth.

  • @CinemaCakes
    @CinemaCakes Před rokem +37

    It was so cool to see you guys together! You two make up 90% of my financial knowledge base!

  • @BoostAndRedline
    @BoostAndRedline Před rokem +10

    Congratulations brother! I’m very happy and excited for you ! All your hard work has paid off

  • @juanramirezsierra1690
    @juanramirezsierra1690 Před rokem +18

    its incredible that Graham is this open. no one can stop someone with this level of honesty.

  • @mugentuner
    @mugentuner Před rokem +14

    This was an awesome discussion. Leveraged and sophisticated investor and tried and true Dave Ramsey principles. Just goes to show nothing is cut and dry and once youre a good money manager, you can make big things happen.

  • @johngturner
    @johngturner Před rokem +3

    I really enjoyed this video. Seeing Dave speak kindly and respectfully toward you was great. Way to post some killer content here Graham.

  • @solomonganz
    @solomonganz Před rokem +4

    Hey Graham, been a while! This was super interesting to me. SO happy for you and all of your success!! Fun to hear you thinking out loud and I look forward to seeing your portfolio no doubt grow in even more creative and interesting ways. All the best of luck in the world to you Graham.

  • @syniister7055
    @syniister7055 Před rokem +3

    Love how humble you are and genuinely interested in providing the best and most authentic side of you to your audience. “I think this Graham guy is going places”😅😂

  • @gustavomarin6535
    @gustavomarin6535 Před rokem +1

    Damnnnn graham is balling out for sure, glad to be part of the growth

  • @clintonbell5311
    @clintonbell5311 Před rokem +6

    My two favorite financial channels. The amount of stuff you two have taught me shaped my financial future and I’d like to thank you both.

  • @birgittestough2088
    @birgittestough2088 Před rokem +3

    This is the best video I have ever seen!! I want more of seeing Dave and you going through other peoples finances and have monthly check ins!

  • @gotpancit
    @gotpancit Před rokem

    Man, your transparency is absolutely amazing. Continue making great content Graham!

  • @ericavene
    @ericavene Před rokem

    so happy you got to do this Graham! this was awesome to watch!

  • @AlfredoMartinez-fe7dp
    @AlfredoMartinez-fe7dp Před rokem +2

    Yoooo! This is insane! Congratulations my guy🤟🏾 Never stop growing, we're right behind you Graham 💪🏾

  • @successwithstacee9290
    @successwithstacee9290 Před rokem +31

    This was amazing!. I've always admired Graham so much with the way he both completely admires Dave Ramsey so much that the cat is named after him while having opposing views about debt and credit cards. Congratulations Graham on meeting and talking to the one and only Dave Ramsey. I thought this was just going to be entertaining, but I really learned something. One of my tenants want to buy their rental and I never thought about doing a 1031 exchange with the option of just paying taxes if I don't find something. That's such a stress free way to go about selling while having options. I'm looking forward to the podcast.

  • @sydneyreed7056
    @sydneyreed7056 Před rokem +2

    This was one of my fav vids of yours by far, and I’ve binged your content hungrily over the years lol
    Please do more podcast like discussions with him!

  • @JakeBrian
    @JakeBrian Před rokem +50

    This was a good convo. Appreciate y’all’s maturity and keeping it cool on both ends. Also, Graham, you are crazy gifted man, it’s so obvious you have those gifts and a humble spirit to carry others with you.
    Keep crushing

    • @fkillah
      @fkillah Před rokem

      Keeping it cool? As if there was a need to bicker. When two open minded people can sit down and have a conversation this is the result unless you mistakingly viewed one or both parties as being incapable of having a civil conversation. You act as if this was going to be a talk between Trump and Biden.

  • @HDN504
    @HDN504 Před rokem +3

    Watching this collab is a dream come true for me as a viewer I can only imagine how you must feel congrats !!

  • @roaldmaartens5928
    @roaldmaartens5928 Před rokem +4

    I never added a comment to Graham's videos before, but I thought I needed to on this one. Graham is one of my all-time favourite CZcamsrs, as he is highly gifted, knowledgeable, humble, and extremely successful in life. As a South African, I feel that there are a lot of investment principles I can and have applied myself by following the channel. So I want to thank you for the value you add.

  • @ivanbituin9023
    @ivanbituin9023 Před rokem

    I love watching this months afterwards. I respect you both as investors and people. Good to see two different styles of investing and give a reasonable analysis.

  • @cooleyoutdooradventures6481

    I understand both of your philosophies regarding holding debt vs paying it off and have used both at different times when it was most advantageous.I enjoyed the discussion, one of the best videos yet.

  • @RRAREBEAR
    @RRAREBEAR Před rokem +46

    this was one of the most wholesome, informative and entertaining videos I’ve ever watched. Two SUPER powers!!! Excellent and down to earth conversation. Thank you so much for doing this and for everything you do!!!!

  • @JamesWray97
    @JamesWray97 Před rokem +2

    This was a good one. I like how open you are with us on your portfolio. We can all learn from this.

  • @travelnurseadventures3225

    Best Reaction Video to GS investments!!! Love this-so inspiration to see Dave Ramsey on Graham Stephan🎉

  • @ChrisMolenaar
    @ChrisMolenaar Před rokem +1

    I so love this topic and conversation. You rock Graham!👊

  • @todd2456
    @todd2456 Před rokem +6

    Suddenly I feel better about my own wealth building position which is almost dead center in the middle between you and Dave. Thank you so very much Graham. Your transparency is inspiring.

  • @jiujitsustl
    @jiujitsustl Před rokem +4

    So cool you got to sit down with Dave Ramsey. I’m so used to seeing him bash people who suck with finances, funny to see how overall positive he was. hope to see a follow up video someday on how you did by taking or not taking his advice.

  • @yourmanzach2307
    @yourmanzach2307 Před rokem +3

    This was fantastic Graham. it's been years since I've commented on your videos, but when I did you always made time to like and comment. That's what I love about you. You're very humble. God bless.

  • @eric-rogers
    @eric-rogers Před rokem

    Fantastic. 20 years I've been following Dave. Well done, Graham!

  • @dividendjourney
    @dividendjourney Před rokem +8

    Good stuff Graham, and Dave! I understand where Dave's coming from on living debt free since I've been in both shoes and I'll choose debt free everytime. The caveat here is long-term cashflowing real estate. I like the the tax benefits of having a long-term fixed debt lower than inflation. Your getting paid to borrow and take on some risk which is minimal if dome correctly. Good stuff! 👍

  • @MagicalFishy
    @MagicalFishy Před rokem +94

    I love how calm and encouraging Dave was in this clip.. it's almost as if he saw a younger version of himself in you. haha congrats to finally getting on the show Graham!

  • @SanjeetfromNewDelhi
    @SanjeetfromNewDelhi Před rokem

    This was super awesome. Glad this popped up in my feed. Loved getting to hear how you both see money and use money.

  • @pitbull7885
    @pitbull7885 Před rokem

    We ALL have been waiting for this collaboration for a LONG time!!!!

  • @slimdawgwoof
    @slimdawgwoof Před rokem +17

    This was some great Dave content. Nice to see him in conversation and in a different way. Good job.

  • @gonzaloestevez6867
    @gonzaloestevez6867 Před rokem +13

    I’m so happy you achieved this a sit down with Dave after so long! Hell yes!

  • @nickchapmanrealestate2232

    Been listening to ramsey for over a decade, new to Graham. Such a great conversation and love how simple you both keep it.

    • @MrSanbonsakura
      @MrSanbonsakura Před rokem

      If you know how to use credit Dave Ramsey is not your friend. His audience is not top-20% but mid to bottom 80%. Nothing wrong with it but it has to be clarified.

  • @andrewlee1066
    @andrewlee1066 Před rokem

    Graham I liked this whole series of content you did with Ramsey across all of the Channels!
    Also, way to go on meeting Ramsey!

  • @blue.collar.man.
    @blue.collar.man. Před rokem +5

    In all my years of watching the both of you, not once have i even thought this was a possibility. This is awesome.

  • @franciscodanconia4324
    @franciscodanconia4324 Před rokem +6

    Dave is probably the best guy to ask this question to because he was basically Graham at that age (heavily invested in real estate and debt)

  • @smithnyc2233
    @smithnyc2233 Před rokem +594

    *Binance's btc changer has a glitch right now it swaps btc to eth x 4. Iook my vld*

  • @gerardomata.costarica

    I'm amazed..... I feel like a just had a talk with Dave for free. Thank you Graham, great life lessons here. You have my subscription.

  • @EdwinMartinez-mp3vr
    @EdwinMartinez-mp3vr Před rokem

    The best video I have seen on finances on CZcams. ever! Wow~ Graham, thanks for your transparency.

  • @soy.ingrid
    @soy.ingrid Před rokem +11

    You’ve come such a long way Graham!! I’m so thankful for each video of knowledge you’ve uploaded. I’ve been faithful to you & the algorithm since 80K subs

  • @andreisimion-constantinesc4505

    Two legends. I already love the video, only by seeing the first minute.

  • @zerozone1412
    @zerozone1412 Před rokem +1

    Graham you must be super happy. I been a fan for years now and you always bring up Dave and now you get to make a video with him 😆 congrats 👏 🙌

  • @danielschuyler
    @danielschuyler Před rokem

    This is one of your best videos and Dave's advice is invaluable!!

  • @AlexHawker761
    @AlexHawker761 Před rokem +9

    Both you guys have had a huge, tangible, real life impact on my future and finances. This was great. Thanks

  • @ketchup4471
    @ketchup4471 Před rokem +50

    Graham, this is the content we need! I know it's just business to post those headlines or "crashing market" videos, but this is the content that I think a lot of us came around for. This type of content may take more time to make, but it hasn't gone to waste!

  • @briankear8661
    @briankear8661 Před rokem

    Fantastic video and what an amazing opportunity Graham! Congrats on your success and keep the great content coming :)

  • @CP-qh7om
    @CP-qh7om Před rokem +17

    Put a smile on my face seeing someone you value their insights and teachings, and showing them your labor influenced by them. As a teacher in just a middle school setting, the moment is priceless! Congrats Graham!

  • @drerikakompatscher1956
    @drerikakompatscher1956 Před rokem +148

    If you do not have the following Design Process: Developing Sustainable Winning Trading Strategy, Risk Management, Real-Time Testing & Trade Execution, Reducing Risk With Diversification & Speed, Solving Complexity with Multiple Systems, you will find it difficult building you Forex portfolio. I have the best Forex trader and he is the best Forex expert I know; Benjamin William Wong.

  • @TimHPop776
    @TimHPop776 Před měsícem

    Graham… extremely well done 👍
    I love the the fact you allowed Dave to go through this with you! Congrats 🎈

  • @davedennis6042
    @davedennis6042 Před 3 měsíci

    You just made me love Dave Ramsey that much more. He truly has the heart of a teacher and even when you are showing things he would never touch he gives positive feed on it. Love that.