How To Build Wealth In Your 20s (Realistically)

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  • čas přidán 29. 05. 2024
  • These are the 7 investing habits that have changed my life, how to best implement them, and what you can do to potentially come out ahead 10-30 years from now. Enjoy! Add me on Instagram: GPStephan | PROMOTIONAL OFFER: Get FREE Fractional Shares when you sign up and make a deposit using my paid affiliate link for WeBull: a.webull.com/i/GrahamStephan
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    NUMBER ONE: INVESTING ASAP
    Following this is easily the most impactful in terms of how much wealth you can accumulate throughout your lifetime. When you’re young, one of the biggest advantages you have when it comes to investing is really simple - it’s 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." Every year that goes by without investing is a year you won’t be seeing insane growth 30 or 40 years from now.
    NUMBER TWO: DON’T TIME THE MARKET
    This is the simplest, most factual piece of advice you’ll ever hear when it comes to investing - but it also happens to be the most difficult for people to actually follow. On top that - studies show that the more trades you make, and the more you try to time the market, the lower your overall return becomes. Research has also shown that since 1926, a 20-year holding period of the stock market has never ONCE produced a negative result.
    So, without overloading you with facts and studies, all I’m going to say is this: The buy-and-hold investment strategy tends to not only be the safest, but also the most profitable for the majority of people. In fact, just buying in the market immediately - regardless of where it's priced - has out performed trying to time the market 71% of the time.
    NUMBER THREE: DON’T INVEST IN THINGS YOU DON’T UNDERSTAND
    I’d much rather just not invest at all, than put your money into something you don’t fully understand. Especially in this market, where literally everything is going up, it’s so simple to get disillusioned that investing is really easy, and get yourself accustomed to always making money. But that doesn’t always happen. You need to understand that investing is going to be cyclical, investments will lose for years in a row, and you need to understand and know that going in.
    FOURTH: DON’T INVEST MONEY YOU NEED IN THE SHORT TERM
    When you invest money, there’s always a chance that the value of that investment will go down in the near future. Investing should always be seen as a long-term strategy. You generally can’t predict where the markets will be a few months or a few years from now - but you CAN look back historically - and see that over a period of 10 or 20 years, your chances of coming out ahead profitable are pretty good. So, for that reason…investing any money that you’ll need within the short term is not a good idea, and could cost you a LOT if things end up getting bad.
    FIFTH: INVEST CONSISTENTLY
    Investing is just a way of life. All you need to do this, is to automate your investing as much as you can. Just set up automatic withdrawals into a broad index fund without even thinking about it - out of sight, out of mind. You don’t need to be actively involved with it all the time, but just consciously remember it’s there - and that’s it.
    SIXTH: THINK INDEPENDENTLY
    This is the hardest thing to do from everything I’ve mentioned, but it’s also the one that will make you the most money if you get good at it. And what I mean by this is that you must trust your own thoughts and research, and not be swayed by someone else who says otherwise, or disagrees with you.
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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.

Komentáře • 569

  • @GrahamStephan
    @GrahamStephan  Před 3 měsíci +846

    For anyone who wants more information / more detail on certain topics - check out my newsletter: grahamstephan.com/newsletter (I post deep-dives here twice per week - and it's totally free). Enjoy!

    • @user-hg8re3ql2k
      @user-hg8re3ql2k Před 3 měsíci

      Hello i m a software developper looking to start my company , i do some good work and new things , i m 18 , should i wait until i m 23 to start my company or do i get things done now ?

    • @igd1315
      @igd1315 Před 3 měsíci +1

      7:04 if only you took your own advice when it came to FTX

    • @bobbyathineos
      @bobbyathineos Před 21 dnem

      @@igd1315

  • @NicholasBall130
    @NicholasBall130 Před měsícem +393

    I admire your dedication to educating your audience. We all aim for financial stability and a better life. Achieving this is possible through wise investments, frugal living, and careful budgeting. I'm grateful that I learned the importance of working hard for financial freedom at a young age.

    • @StacieBMui
      @StacieBMui Před měsícem +3

      In my opinion, making a smart investment is not only a technique for earning passive income, but also a profitable way of saving for future expenses. People who fail to make the proper judgments early in life often come to regret it later in life. Nonetheless, investing alone can be difficult and risky. As a result, I recommend obtaining an expert’s assistance. The challenge is not just watching videos and reading investing books; it is about implementing information effectively.

    • @StocksWolf752
      @StocksWolf752 Před měsícem +2

      I wholeheartedly concur, which is why I opt to entrust the day-to-day decision-making to an investing coach. With their specialized knowledge and extensive research, it is highly unlikely for them to underperform. Their expertise is centered around harnessing the asymmetrical potential of risks while also employing measures to safeguard against unfavorable outcomes. I have been collaborating with an investment coach for more than two years

    • @EleanorBaker474
      @EleanorBaker474 Před měsícem +2

      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?.

    • @StocksWolf752
      @StocksWolf752 Před měsícem +1

      Sonya lee Mitchell is the licensed fiduciary I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.

    • @crystalcassandra5597
      @crystalcassandra5597 Před 24 dny

      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.

  • @brianwhitehawker1756
    @brianwhitehawker1756 Před 11 dny +422

    I was advised to diversify my portfolio among several assets such as stocks and bonds since this can protect my portfolio for retirement. I'm seeking to invest $200K across markets but don't know where to start.

    • @lucaswilliams9992
      @lucaswilliams9992 Před 11 dny

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

    • @yeslahykcim
      @yeslahykcim Před 11 dny

      I agree, having a brokerage advisor for investing is genius! Amidst the financial crisis in 2008, I was really having investing nightmare prior touching base with a advisor. In a nutshell, i've accrued over $2m with the help of my advisor from an initial $350k investment.

    • @Jadechurch-ql3do
      @Jadechurch-ql3do Před 11 dny

      impressive gains! how can I get your advisor please, if you dont mind me asking? I could really use a help as of now

    • @yeslahykcim
      @yeslahykcim Před 11 dny

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

    • @codeblue11
      @codeblue11 Před 11 dny

      Thank you for this Pointer. It was easy to find your handler, She seems very proficient and flexible. I booked a call session with her.

  • @Wrealthreach12
    @Wrealthreach12 Před 3 měsíci +248

    25 now, started investing at 21, biggest regret is not starting at 18 😭

    • @GrahamStephan
      @GrahamStephan  Před 3 měsíci +69

      Better now than never!

    • @alexbob5209
      @alexbob5209 Před 3 měsíci +4

      How much you invest and how often and annual salary?

    • @Wrealthreach12
      @Wrealthreach12 Před 3 měsíci

      @@alexbob5209 At minimum, I buy one share of VOOG or VTI biweekly. When I ran into Graham and learned all about investing that he has to offer, I recognize how many years I missed out on so I was being super aggressive “catching up”, now I just take it biweek by biweek maxing out my ROTH IRA.

    • @arfo8353
      @arfo8353 Před 3 měsíci +26

      You have plenty of years, you'll be okay. Most people don't start thinking about it until 30 or 35 So you are ahead of the game

    • @WilliamWelsh
      @WilliamWelsh Před 3 měsíci +12

      Same. I started at 19. Was mad I didn't start another year earlier ! Or save up my money before that

  • @vincandengines3019
    @vincandengines3019 Před 3 měsíci +40

    Started working full time after finishing school at 23. Started to follow your channel and investing from nothing. Im now 25 and puting 20% down on a property. Also getting a roomate to lower my housing cost to approximately a normal appartment in my area. Thanks Graham

  • @dope_a_meen_bruh
    @dope_a_meen_bruh Před 2 měsíci +7

    He said, “Hey Graham! It’s guys here!” 😂😂😂

  • @AxelVelazquez-us9gi
    @AxelVelazquez-us9gi Před 2 měsíci +193

    Now we just need to see the Blcktken300 price also move in the same direction as these charts. Up. Very Up.

  • @geraldt331
    @geraldt331 Před 2 měsíci +362

    Purchasing a stock may seem straightforward, but selecting the correct stock without a proven strategy can be exceedingly challenging. I've been working on expanding my $210K portfolio for a while, and my primary obstacle is the lack of clear entry and exit strategies. Any advice on this matter would be greatly appreciated.

    • @Jadechurch-ql3do
      @Jadechurch-ql3do Před 2 měsíci

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

    • @yeslahykcim
      @yeslahykcim Před 2 měsíci

      I agree, having a brokerage advisor for investing is genius! Amidst the financial crisis in 2008, I was really having investing nightmare prior touching base with a advisor. In a nutshell, i've accrued over $2m with the help of my advisor from an initial $350k investment.

    • @lucaswilliams9992
      @lucaswilliams9992 Před 2 měsíci

      impressive gains! how can I get your advisor please, if you dont mind me asking? I could really use a help as of now

    • @yeslahykcim
      @yeslahykcim Před 2 měsíci

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

    • @brianwhitehawker1756
      @brianwhitehawker1756 Před 2 měsíci

      Thank you for this Pointer. It was easy to find your handler, She seems very proficient and flexible. I booked a call session with her.

  • @joseeduardoponceramos2792
    @joseeduardoponceramos2792 Před 2 měsíci +647

    borlest forbidden money books (thank me later)

    • @sportsanalyst916
      @sportsanalyst916 Před 2 měsíci +1

      is it worth the purchase? Has anybody read some of the books from this website?

    • @bryce6576
      @bryce6576 Před 2 měsíci

      @@sportsanalyst916I checked out the website and it did not look legit to me. Haven’t read any of the books but I doubt you’ll find some mystical secret in them.

    • @jaydenparks8408
      @jaydenparks8408 Před 2 měsíci +3

      @@sportsanalyst916only one way to find out

  • @mackenzielance7818
    @mackenzielance7818 Před 3 měsíci +63

    Just turned 24 this month, a little over $33k invested! So glad to have a community online in this comment section. All my irl friends think the world is ending and our generation is completely destroyed financially. Well, while they keep thinking they won’t live to be 60, I’ll be prepared!

    • @pedromata3931
      @pedromata3931 Před 3 měsíci

      Smart moves prepare for the worst hope for the best

    • @MrTimmah23
      @MrTimmah23 Před 2 měsíci +1

      Preach!

    • @seanmathis1755
      @seanmathis1755 Před 2 měsíci +7

      Good job! 👏🏼 I wish I was invested at 24! You going to have a bright future. Just stick to long term trading and you’ll be fine. Btw I dig the name. My gfs name is Mackenzie and my brothers name is Lance 😂😂

    • @teagueolewiler4202
      @teagueolewiler4202 Před 2 měsíci

      Impressive work! I’m 20 I hope to be where you’re at in a few years. Crazy how few people take advantage of this

    • @hugocolin8114
      @hugocolin8114 Před 9 dny

      lol that’s so relatable

  • @marcelosalas5309
    @marcelosalas5309 Před 2 měsíci +348

    it's kinda crazy how nobody's talking about the forbidden ebook called, Derp money,

    • @sportsanalyst916
      @sportsanalyst916 Před 2 měsíci

      Is it worth the purchase? Has anybody read any of the books from that website?

  • @MillionaireHouseholdFinance
    @MillionaireHouseholdFinance Před 3 měsíci +11

    Great Video Graham! We followed most of this advice, which helped us reach our millionaire/financially independent milestone in our mid 30s! Everyone should follow this advice!!!🥰

  • @Patriciabanks5
    @Patriciabanks5 Před 3 měsíci +104

    I don’t know how but you’ve managed to package an unbiased analysis that is more entertaining than the sensationalized segment of economic and financial news. Thank you for your efforts to be the signal and not the noise. I understand that the economy is currently in a downturn and that we must wait for things to get better

    • @MarkGrimm8
      @MarkGrimm8 Před 3 měsíci +6

      As hard as it may sound you can plan for the recession. If you are working, find extra work and get an Invest--advisor. Protect your deposits by having enough cash in short term fixed income. Then cut your expenses. Minimal insurance, cut utilities.

    • @ritalorrigan
      @ritalorrigan Před 3 měsíci +4

      I think the current market might give opportunities to maximize profit within a short term, but in order to execute such strategy , you must be a skilled practitioner

    • @KevinClarke9
      @KevinClarke9 Před 3 měsíci +4

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

    • @LukeMcfarlane5
      @LukeMcfarlane5 Před 3 měsíci +3

      How can I reach this adviser of yours? because I'm seeking for a more effective investment approach on my savings

    • @KevinClarke9
      @KevinClarke9 Před 3 měsíci +3

      Certainly, there are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with Carol Vivian Constable for about five years now, and her performance has been consistently impressive.

  • @EduardoReyes-gy7cl
    @EduardoReyes-gy7cl Před 3 měsíci +1532

    Got in at AMXR20 at $1 but will be holding it till $50. Even at that price market cap is reasonable for its tech.

  • @insomniacsupremacy
    @insomniacsupremacy Před 3 měsíci +13

    Hi Graham, I know you get a lot of comments under your videos, but I simply could not hold back on expressing my gratitude for your work on CZcams because you seriously changed my life. I started watching you at 17 and started setting myself up financially, putting as much money in a market weighted total world index fund ETF utilizing registered accounts, maximizing my credit score and points utilization and adopting a long term mindset on life in general. Im now way older and I’ll be starting soon my career in personal finance to preach those crucial steps while sharing my new found passion for personal finance. I’ll be forever grateful for the spark you gave me and changed my life for the better. I know you received some hate on CZcams but no one can steer from the fact that your tips and mindset are the gold standard to anyone starting in personnel finance. Wishing you a great day man.

  • @Max_Ivanov_Pro
    @Max_Ivanov_Pro Před 3 měsíci +13

    Thank you so much Graham! 🔥

  • @onthebball
    @onthebball Před 3 měsíci +15

    Currently 23 and just bought my first house, been watching since 2016! You have helped me throughout my financial journey! Thank you!

    • @razorfools
      @razorfools Před 2 měsíci +1

      Amazing achievement my guy! Kudos to you!

    • @RustyVaperGameplay
      @RustyVaperGameplay Před 2 měsíci

      How did you start watching before he started uploading?

    • @onthebball
      @onthebball Před měsícem

      @@RustyVaperGameplay you’re completely right, I messed up my calculation. I have been watching since I was 16 and just went off my birthday.

    • @onthebball
      @onthebball Před měsícem

      @@razorfools Thank you! Himand Caleb hammer from financial audit are the best. Recently started watching “Money Guys” now because I want to make sure I’m set for retirement.

  • @user-gk9cu9qo9i
    @user-gk9cu9qo9i Před 2 měsíci +1

    I appreciate you for keeping it so real.

  • @pedrooropeza3527
    @pedrooropeza3527 Před 2 měsíci +3

    I haven't been watching your videos in a while I'm glad I'm back

  • @shortlaker209
    @shortlaker209 Před 3 měsíci +4

    You're back Guys!! 🔥🔥🔥

  • @heatah
    @heatah Před 2 měsíci +1

    Great reminders I needed to hear again 🙌

  • @valdisf890
    @valdisf890 Před 2 měsíci +3

    Begging of the clip: “What’s up Graham it’s guys here”😂😂😂😂😂 love it!!!

  • @JulioGonzalez-dz9ub
    @JulioGonzalez-dz9ub Před 2 měsíci +279

    Is Blcktken300 a diamond in the rough? Let's analyze!

  • @IamDevron
    @IamDevron Před měsícem +1

    Graham the goat. I remember seeing him at 17-18 (I am 23 now) Ahead of the curve now because of him

  • @corrySledd
    @corrySledd Před 3 měsíci +76

    A career which gives you a little bit of time and work-life balance costs you financial independence because it'll be low paying. Tough choices to make. Keep in mind, investing provides a jumpstart to financial freedom. At 34, I already have a $6m portfolio.

    • @chrissmurrayy
      @chrissmurrayy Před 3 měsíci +4

      Everyone needs to hear this, you need to create your own process, manage risk and stick to the plan, thick or thin, while continually learning from mistakes and improving

    • @sheltonPston
      @sheltonPston Před 3 měsíci +1

      I agree, having a brokerage advisor for investing is genius! Amidst the financial crisis in 2008, I was really having investing nightmare prior touching base with a advisor. In a nutshell, i've accrued over $2m with the help of my advisor from an initial $350k investment.>

    • @maddysys
      @maddysys Před 3 měsíci +2

      I’ve been down a ton, I’m only holding on so I can recoup, I really need help, who is this investment-adviser that guides you

    • @sheltonPston
      @sheltonPston Před 3 měsíci +5

      NATALIE ANN BRINKMAN is the licensed fiduciary I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment..

  • @mohamedalassanewane7519
    @mohamedalassanewane7519 Před 2 měsíci +6

    Thx guys, we Grahams really appreciate it 😊

    • @BroEtc05
      @BroEtc05 Před 2 měsíci

      I’m not the only one who noticed! XD

  • @neontiki
    @neontiki Před 3 měsíci +14

    I just watched a video by Caleb Hammer that said in my 20’s if I’m good with my money I could have a million dollars and was truly bewildered and confused but had no way to know how to get the money like that. So I can’t wait for this video

    • @GrahamStephan
      @GrahamStephan  Před 3 měsíci +11

      It'll be really hard to get $1m in your 20s without a high paying job / leverage / substantial savings rate / or luck.

  • @outcomeclothing4657
    @outcomeclothing4657 Před 3 měsíci

    I love Graham. He’s so good at cutting through the noise.

  • @jessiedupuis4633
    @jessiedupuis4633 Před 25 dny +2

    HOLD UP!! did he just start with what's up Graham, its guys here... Instead of what's up guys, its Graham here.. lol

  • @pedrofeliciano7041
    @pedrofeliciano7041 Před 3 měsíci

    Gracias 🙏🏽 for always provide good info

  • @nugget1881
    @nugget1881 Před 3 měsíci +4

    hi Graham! we love your videos!

  • @austinbar
    @austinbar Před 2 měsíci +5

    Invest judiciously, keep a stop loss figure. Shuffle between debt and equity wherever the ratio goes too off your target. As for the target, I recommend a Ratio like this Debt % should be equal to your age in years. If you are 20, debt is 20%, reset in equity. If the market falls or rises drastically, your debt % will change, which you should rebalance to 20% and bring back equity to 80%. Thus you would have bought low or booked profit depending on if it was a crash or a bull run.

    • @joshbarney114
      @joshbarney114 Před 2 měsíci +5

      Effective personal finance management is more important than the amount of money saved, regardless of whether income is earned through job or investment. Individuals can seek counsel from a certified financial advisor to optimize financial outcomes, who can provide specialized advice and methods to decrease expenses and maximize income.

    • @rogerwheelers4322
      @rogerwheelers4322 Před 2 měsíci +4

      I agree, that's the more reason I prefer my day to day investment decisions being guided by an advisor, seeing that their entire skillset is built around going long and short at the same time both employing risk for its asymmetrical upside and laying off risk as a hedge against the inevitable downward turns, coupled with the exclusive information/analysis they have, it's near impossible to not out-perform, been using my advisor for over 2years+ and I've netted over 2.8million.

    • @FabioOdelega876
      @FabioOdelega876 Před 2 měsíci +3

      This is exactly how i wish to get my finances coordinated ahead of retirement. Can you recommend the financial advisor you used to get ahead?

    • @rogerwheelers4322
      @rogerwheelers4322 Před 2 měsíci +5

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

    • @FabioOdelega876
      @FabioOdelega876 Před 2 měsíci +4

      Natalie has the appearance of being a great authority in her profession. I looked her up online and found her website, which I reviewed and went through to learn more about her credentials, academic background, and employment. She has a fiduciary duty to protect my best interests. I sent her an email outlining my objectives and also booked a session with her; thanks for sharing.

  • @Paul2024Official
    @Paul2024Official Před 3 měsíci

    Back with a banger!

  • @yohanstreboiche135
    @yohanstreboiche135 Před 3 měsíci

    Thanks for this Graham

  • @herbythechef7624
    @herbythechef7624 Před 3 měsíci +5

    I started watching your stuff in 2020 graham. Thats when i started investing. Im canadian but have put 32k in my tax free savings account now and bought my first property in 2021 thanks to you!

  • @diablobuilder
    @diablobuilder Před 3 měsíci

    thank you graham, really appreciate this insight and knowledge, would apply this one to my life, ill update you in a few years

  • @mattjanachek
    @mattjanachek Před 3 měsíci +1

    I had this bad feeling about buying at an all time high. Your video helped me get passed that with data. Thank you!

  • @__tebane7
    @__tebane7 Před 3 měsíci +2

    Love your videos Graham! You’re one of the very few financial CZcams channels I’ve subscribed to and I find so much value every time I see a video you post. I’ve been personally trying to get into the investing world as a new goal for 2024. And there’s videos out there but from guys that don’t seem that much trustworthy. Would you consider make a guide on how to invest, what tools to use, etc. I’m sure others would find value out of that video!

  • @salom3665
    @salom3665 Před 3 měsíci

    Graham, love ya, one of my fin tutor❤

  • @alexandervelasquez9846
    @alexandervelasquez9846 Před 3 měsíci

    Thank you so this video best advice ever!!

  • @lolgeselle
    @lolgeselle Před 3 měsíci

    Thank you for making these videos Graham keep them coming! ❤ Las Vegas local

  • @GUTT470
    @GUTT470 Před 2 měsíci

    I only like based on the quality of his asking method in the video and this one deserves both the like and comment

  • @r.f2173
    @r.f2173 Před 3 měsíci +5

    you're the reason I seriously started looking into ETFs. They're now the backbone of my portfolio

  • @brysondye7685
    @brysondye7685 Před 3 měsíci

    These are great!

  • @futureHR2025
    @futureHR2025 Před 3 měsíci +5

    Retiring in my 40’s learned that investing is easy and everyone can do it.

  • @Courtney-Alice-Gargani
    @Courtney-Alice-Gargani Před 3 měsíci +1

    Great video I have been building my wealth and retirement fund. This is helpful.

  • @jacobs9604
    @jacobs9604 Před 2 měsíci

    Grahams viewpoint is extremely refreshing compared to the typical mindset. Sacrifice to gain financially

  • @michaelswami
    @michaelswami Před 3 měsíci

    Sound insights. Thank you.

  • @jedadolphus7785
    @jedadolphus7785 Před 3 měsíci +1

    Love you vids
    Thanks for all the help

  • @bullfr4g32yt8
    @bullfr4g32yt8 Před měsícem +1

    I am halfway through nineteen and my roth IRA is about 2,350 and my YTD return of 2024 is 38% but I was lucky when buying a few stocks.

  • @FranMariee
    @FranMariee Před 3 měsíci

    Thanks, Graham! These are great investing tips for life. Like so many others here, your videos got me started with learning about investing. What a massive impact you've had! I have a small channel that I'd love to grow to be similarly impactful one day.

  • @AmazonandeBayGuru
    @AmazonandeBayGuru Před 3 měsíci +2

    Awesome video Guys!

  • @MarkMichno
    @MarkMichno Před 2 měsíci +3

    S&P 500 during the great depression...
    September 1929 - S&P 500 @ $32 / Share
    June 1932 - S&P 500 @ $4.50 / Share
    85% Decrease !!!
    September 1954 - S&P 500 Surpassed $32 / Share
    It took 25 Years to recover losses from the great depression.
    Learn to diversify into different asset classes, don't put all your eggs into one basket. Cash is bad during inflation and good during deflation. Long term bonds were the golden tier asset during the great depression.

  • @RobertLinda-lz6nf
    @RobertLinda-lz6nf Před 2 měsíci +33

    Hit 200k today. Thank you for all the knowledge and nuggets you had thrown my way over the last months. Started with 14k in last month 2024.

    • @RobertLinda-lz6nf
      @RobertLinda-lz6nf Před 2 měsíci

      Mrs Sonia Campbell was my hope during the 'bear summer' last year. I did so many mistakes but also learned so much from it, and of course from Sonia Campbell

    • @RobertLinda-lz6nf
      @RobertLinda-lz6nf Před 2 měsíci

      she often interacts on Telegrams

    • @RobertLinda-lz6nf
      @RobertLinda-lz6nf Před 2 měsíci

      using the user below

    • @RobertLinda-lz6nf
      @RobertLinda-lz6nf Před 2 měsíci

      sonia731 ...... That's it

  • @zacharysoderberg1099
    @zacharysoderberg1099 Před 3 měsíci +47

    I’m currently 21 and just invested $2000 into my ROTH IRA. Hope to be investing 3k each month into investment accounts from this point forward and am very glad to have seen your content! Keep it up!

    • @GrahamStephan
      @GrahamStephan  Před 3 měsíci +5

      Well done!

    • @shayleeolsen804
      @shayleeolsen804 Před 3 měsíci +17

      3k a month ? What do you do for work if you don’t mind me asking

    • @brandonouellette1536
      @brandonouellette1536 Před 3 měsíci

      @@shayleeolsen804that’s what I’m wondering too that’s $36000 a year invested. That’s the salary of some.😊

    • @pur3stownage
      @pur3stownage Před 3 měsíci

      @@shayleeolsen804 I was wondering the same haha. Right now with mortgage and everything else, I've only got a couple hundred spare a month.

    • @LiamMitchell5294
      @LiamMitchell5294 Před 3 měsíci +5

      That’s crazy money for your age, well done!

  • @lukescapee1234
    @lukescapee1234 Před 3 měsíci

    We love the evergreen videos ❤

  • @ryansparks889
    @ryansparks889 Před 3 měsíci

    Thank you Graham! Im inspired to share my wins because of you! Im 21 with 15k invested between stocks and a Roth IRA. Im so thankful to have a positive net worth at this age.

  • @kingslymeseventruly
    @kingslymeseventruly Před 3 měsíci +2

    Legend!!!

  • @inspiringbuilds
    @inspiringbuilds Před 3 měsíci +1

    Nicely said Graham. I’m doing extremely well, but wish I would have started younger. Now with my kids I start them when they can walk and have them save 50% of their earnings and invest it! 👍

  • @aaronh2778
    @aaronh2778 Před měsícem

    I really love all the people with no kids that give financial advice

  • @kuri_neon
    @kuri_neon Před 2 měsíci

    I think something I'd add is find investments you are interested in. That way, you can have some sort of passion to follow that industry, keep up with news and make better choices. You understand that industry and how each company/entity begins to function and with that, there's money to be had.

  • @Flaccid_Banana
    @Flaccid_Banana Před 3 měsíci

    Currently have 70k in retirement and 24k in a taxed brokerage account. I’m 25 and have been investing since 18. Nothing crazy but I took advantage of 2020 dip and agree with everything here. Consistency is key.

  • @gabriellat.6735
    @gabriellat.6735 Před měsícem +1

    This is amazing. “How to build wealth”

  • @ScottLara
    @ScottLara Před 3 měsíci +2

    Appreciate you.

  • @jeffrounsville4961
    @jeffrounsville4961 Před 3 měsíci +2

    Great video

  • @user-yz6ns5gi2o
    @user-yz6ns5gi2o Před 2 měsíci

    Nice work. I’ve been on the Blcktken300 train for a while, never sold as they are always building.

  • @JoelMoneyMastery
    @JoelMoneyMastery Před 3 měsíci

    Because of Graham i bought two pieces of real estate in 2023. Yes its been crazy tight financially but it will pay off in couple years.

  • @MoneySense.
    @MoneySense. Před 2 měsíci

    When l was searching for way to build wealth when I got job years back, I started with fixed income, spend a year or two knowing what the stock market is about before delving into it and years down the lane, I never regret it. I started investing in my late 20's and now I have seen the power of compounding.

  • @madmarcos9716
    @madmarcos9716 Před 2 měsíci

    Great video ! What should I invest in ? Not knowing is the reason I haven’t started .

  • @TreCayUltimateLife
    @TreCayUltimateLife Před 3 měsíci +3

    I bought LUNR when they launched their rocket, and today is worth less than half what I paid for my positions. In the end this stock will be worth thousands per unit once they begin routine lunar transport. If you invested $100 one time into MSFT(microsoft) in 1986, today is almost $500,000. Companies like LUNR are going to end up much larger than companies like microsoft could ever dream to be.

  • @Adam-vi3hc
    @Adam-vi3hc Před 2 měsíci +1

    Read alot of this in Grant Sabatiers book “financial freedom”

  • @jonathanshowalter1281
    @jonathanshowalter1281 Před 3 měsíci +1

    Hi Graham! I have a question. If you were 19 yr old and could start investing $100/month in a Roth IRA in Fidelity Investments from now till age 65, which index fund or mutual fund would you pick if you could only pick one?

  • @Elkemartin213
    @Elkemartin213 Před 2 měsíci +2

    Nice video I used to think every investor went broke during recessions, meanwhile some made millions. I also thought everybody went out of business during the Great Depression, but some went into business. Bottom line, there's always depression for some and profit for others, it all starts from having the right mindset. That said, I've set asides part of my savings to invest for future. Unfortunately I'm a complete noob.

  • @regtalkswealth
    @regtalkswealth Před 3 měsíci +1

    *Yes investing is the most life changing thing you'll ever do* 😀

  • @cyyylas
    @cyyylas Před 3 měsíci +15

    If there was ONE thing a 20 years old should focus on to get his finances in place what should it be?

    • @GrahamStephan
      @GrahamStephan  Před 3 měsíci +24

      BUDGET BUDGET BUDGET. That's huge. If you can get that habit down, everything else will become soooo much easier.

    • @cyyylas
      @cyyylas Před 3 měsíci +2

      @@GrahamStephan do u have any video talking specificaly about budgeting?

    • @joseluna5934
      @joseluna5934 Před 3 měsíci

      Don’t follow trends
      Be humble.

    • @Thejasonrogers
      @Thejasonrogers Před 3 měsíci +3

      I’m 26 dude listen to me okay. Put $100 a month towards an index fund. That’s all nothing more nothing less out of sight out of mind. When your 26 you will thank me later. I got my hands in real estate stocks and an employer match RothIRA and a high yield savings account. I use to ride a little kids bike to work cause that’s all I could afford at the time I remember it was $20 bought it at a Walmart, dude keep hustling and it will pay off bro I promise you that. I’m living proof.

  • @carquestionsanswered
    @carquestionsanswered Před 3 měsíci +8

    I bet your videos like this have a long tail....I wish I was patient enough to make more videos like this. Great Topic!

    • @GrahamStephan
      @GrahamStephan  Před 3 měsíci +6

      Yeah, I've noticed the algorithm is shifting back to long-tail content like it was back in 2019. Typically these do really well over 3-5 months.

    • @martellackerman3434
      @martellackerman3434 Před 3 měsíci +1

      What a crossover!

    • @arfo8353
      @arfo8353 Před 3 měsíci

      What does long tail mean

    • @CmdrCorn
      @CmdrCorn Před 3 měsíci +2

      ​@arfo8353 Im assuming it means content that reaches the algorithm slowly, but more consistently over time... The opposite is content that has a shelf life of 24 hours and wont get any more views after that, like news and reviews etc...

    • @notreally-sf3df
      @notreally-sf3df Před 16 dny

      @@GrahamStephan this one did absolute ass.

  • @thekid3770
    @thekid3770 Před 3 měsíci

    Hey graham if you’re looking for a new series or outlet to document for your channel maybe you could document the process of buying a rental property giving the breakdown on expenses, process of upgrades and then the process of finding a renter for it or just selling the home. I think it could be something unique in the aspect that there aren’t any CZcamsrs I’ve seen that have done it and given a thorough breakdown of the process

  • @IankoGueorguiev-tq1qi
    @IankoGueorguiev-tq1qi Před 3 měsíci

    I am in my early thirties. Working as a energy engineer and looking for different career opportunities. Would you ever consider doing a video about the traits that you were able to translate from one career to the next? Great video and appreciate the links referenced. Only over the last 3yrs have i made contribution to 401k and roth ira thanks to you and dave ramsey.

  • @Not_Ciel
    @Not_Ciel Před 3 měsíci

    I have a varying number of hours I work each paycheck, so I could work exactly 40 hours one week or I could pull OT and work ~50 hours the same week. Something that’s kept me investing so far is having to manually do the math on what percentage of my gross income I want to invest per paycheck. I know it sounds stupid, but making it a habit every single week as soon as I get paid to calculate the amount to transfer keeps me engaged with it. And it also helps me work it into my finances vs. just a flat rate every paycheck so if I have a little extra money, I can throw a bigger percentage into investments.

  • @Attilat
    @Attilat Před měsícem +1

    All of these videos need a disclaimer that says "...in the long run, so you can retire properly and enjoy your life when you're 65." Your average joe will not see a cent of this invested money until retirement.

  • @yochanancharach6035
    @yochanancharach6035 Před 2 měsíci

    Wait a sec I love your intro, go ahead

  • @VickyKahle
    @VickyKahle Před 2 měsíci +2

    Market highs can sometimes be followed by corrections, but predicting the timing and extent of it is challenging. I've heard some analysts talk about a 'massive' correction. It makes me wonder if it's time to adjust my $500k portfolios or maybe even consider some defensive investments.

  • @youraverageggamer836
    @youraverageggamer836 Před 3 měsíci

    wow super early! Love your videos, convinced me to get into a real estate game and I have been going since 2021. How do you feel about rent to owns as a seller? I have seen conflicting reports from its great and profitable to its bad and to avoid it.

    • @GrahamStephan
      @GrahamStephan  Před 3 měsíci +1

      I've never done it. If it's a quick term, I don't see the issue - but, there's so many variables. I don't see it done often.

  • @madisonr1556
    @madisonr1556 Před 13 dny

    I just found your page and I love your energy! my question is what to invest into for a beginner that is low maintenance. I would like to set it and forget it because I do not know what resources to use to figure out when to buy/sell. I saw some videos on index funds and treasury bills but I am in my mid twenties and a lot of videos say to invest into stocks

  • @christopherosborne8172
    @christopherosborne8172 Před 3 měsíci +2

    NOTI GANG

  • @JayCord2832
    @JayCord2832 Před měsícem +1

    Took me forever to get over the start of the video.

  • @saelfaddoul9252
    @saelfaddoul9252 Před 2 měsíci +1

    Any recommendations as to where to start investing?

  • @etienneboois
    @etienneboois Před 3 měsíci +1

    Well Done

  • @ImMohammedAli
    @ImMohammedAli Před měsícem +1

    It’s you who pushed me to become an entrepreneur years ago from content exactly like this then I realized I need to get rich now. $2 Million dollars is useless to me when Im 60. I’d rather have $5 Million dollars at 25 than be a billionaire at 60. So the answer is just make more money and invest it to make more money and have it work for you, otherwise any money you don’t invest you lose.

  • @Tinyzkid
    @Tinyzkid Před 3 měsíci +3

    25 years old with $700K in retirement accounts (401K, Roth, Trad IRA) but regret saving all that money that doesn’t even feel real because i can’t spend it until 60

    • @snuwuky1693
      @snuwuky1693 Před 3 měsíci

      If you can invest that much money into retirement accounts I’m sure you can switch over and start investing in yourself with that security of knowing that you’ll have all that money when you’re of age
      I’m just a 20 year old with 20k saved up though so take my word with a grain of salt, I’ve accomplished nothing compared to most everyone else lol

    • @rensutra5880
      @rensutra5880 Před 2 měsíci

      There are many ways of accessing that money earlier if you wanted to

    • @sethdickson94
      @sethdickson94 Před 2 měsíci

      Lies lol

  • @celestebravo6
    @celestebravo6 Před 2 měsíci

    Love the Blcktken300 content. I think this project is just as essential as HBAR and they both will be great movers

  • @radomone
    @radomone Před 3 měsíci

    I am making a trading algorithm for timing the market lol, my algo does also include hold (with some buy/sell for extra)

  • @fabianfabianfabianpg
    @fabianfabianfabianpg Před měsícem

    You need to make a Short or reel of the $1 -> $21 dollars test for expense!

  • @louisianabeast
    @louisianabeast Před 3 měsíci +1

    Still liking!

  • @nerdacs
    @nerdacs Před 3 měsíci

    My plan is to invest on Monday. Every Monday. Auto-invest is turned on.

  • @Gain_Train
    @Gain_Train Před měsícem

    When I invest I like to invest 10% of my paycheck into the stocks that get the highest dividend rates and then I reinvest the dividends. This way my portfolio grows in value and I will be able to earn more dividends. When I look for dividends I look for a pay out of more than 4.5%

  • @raynaking2312
    @raynaking2312 Před 3 měsíci

    hi graham!!

  • @kylehickey9922
    @kylehickey9922 Před 3 měsíci

    "Whats up Graham, its guys here" love that beginning brother

  • @aaroninnocent4361
    @aaroninnocent4361 Před 2 měsíci

    0:01 “what’s up Graham it’s guys here” Whatever your dealer is selling, tell them to send me some plz 😂😂

  • @Lizzard570
    @Lizzard570 Před měsícem

    "What's up Graham, it's guys here!" 😂😂😂