One of the only real financial youtubers that is straight to the point, has great advice, and isn't trying to sale something. Thanks for the vid Graham
The two dislikes are Grant Cardon and his team member because you didn’t mention 10x, 16+ units or didn’t pull out your money and throw it on the table
Graham, man you always come through. I wish you all the best in your youtube brand building. I can always say at least one view is ALWAYS gonna be mine. And i share this video to all my buddies and they too love your vids. It's amazing
Graham, I’ve listened to a ton of your videos, I have heard you tell me to comment below countless times, so here is my first comment. You finally broke me down, and I press “like” for your videos, I had previously never pressed the like button for anyone. You say in the video that you need a lot of capital to start investing in real estate. I disagree. My rental portfolio started with a 3,000 dollar down payment on my personal residence that was significantly undervalued and purchased with an FHA loan and I was able to retire from my public school teaching job with rentals at age 31. I think it depends on the market and the deal, but know it can be done with as little as 3k. And as I learn more, I think it could be done with even less than that. By the way, your channel is awesome, my favorite CZcams channel I have found so far. Keep sharing great content!
ahh thanks so much! That's amazing man, it definitely depends on the deal, type of loan, and area...in LA, $3k would never happy, but certainly in other parts of the country its absolutely doable. well done!
I love these videos. Thank you Graham. I agree with everything you said, and do actually all of these items (except Real Estate investing... hence why I know follow you!) One thing that is worth noting on this topic is that $1MM simply does not get you very far anymore. Sure, some will say that sounds like an pretentious mindset, and maybe it is... but if you want to be "rich" you're going to need a lot more than one million dollars. When I showed my father-in-law my spreadsheet for how I estimate to get to $10MM he just looked dumbfounded and said "well ten million dollars isn't going to do much for you in 2048 (my early retirement year)".
What I like most about your videos is the order and honesty of them. Sure, you're a great communicator and all, but what really does it is that your titles are never clickbait, you quickly summarise the video at the start, and then give the hard cold numbers and do say exactly what you're doing. Delivering 100% on your promise. Thanks for the time and effort.
Been here for the last 20,000 subs, but I'd seen several videos before that. I was incredibly impressed that you stuck to your promise of responding to comments when you responded to a comment of mine - 20 minutes after I posted it, on a video that had thousands of comments. You appear to be a remarkable businessman, and a good, honest guy. You're right when you say your video seems repetitive! Because you don't flip-flop on what you say. You believe what you preach. By far my favorite channel on CZcams, and I love getting my notifications. Snapchat and Instagram are my other daily doses that I need. Ever since I subbed, I find myself filling my time with your videos. It doesn't matter if it's in the background while I play a game, or I sit down and have a Graham marathon! You encouraged me to stop sitting around and start investing again. Instead of my money just sitting in an account, it's in stocks making me money again. Now that I'm 18, I'm beginning to work towards my real estate license here in Florida, in-between classes, that is, haha. All in all, I want to say a big 'Thank you!' for all of your videos. Here's to a prosperous 2018 for myself, you, and all of your viewers! Cheers!
Here you are with another speedy reply! It's a whole 'nother experience to receive a response from the content creator than it is to just make the comment and go about your way. I hope you continue to receive the support from the masses that you have following you, because you deserve it. The last thing us kids need is to lose a source of motivation! Your content is always well-executed and well-thought out. I know I enjoy it, and many others as well, so it's nice to know you like getting to read our opinions!
Another one! That comment about how a 3-4% interest loan is like free money given inflation was great. I never thought of it like that. Thanks Graham. Great video
But you've gotta make that small sacrifice and live below your means and save more than you spend. Do those two things alone will make the journey to becoming a millionaire bearable.
I know this is an old video...but lots of good info. On the Index Investing...details are the key. VFIAX...Min Investment..$10, 000...here is the point that many throw up there hands and say "I am done"..... For beginners that want to follow this road..they need a map leading to that 10K.. THEN they could invest. This is the point that keep most from following this path.. They are not at the starting point (10k)..They do not even know HOW to get to the starting point...This is were you could be the most beneficial and influential in helping direct people to that starting point. Thanks for all the knowledge that you share with us!!
The Scarface like setup nice touch. I recall you speaking about the concept of putting just. A little bit of extra effort to stand out that is why I believe I follow you an enjoy your works. Also you seem much more genuine then the others.
For those looking at individual stocks, I'd highly recommend doing technical analysis (reading candlestick charts) when considering which stocks to buy. Fundamental analysis can only give you so much information, knowing whats happening to a stock on a technical basis is, in my opinion, is far more important than knowing, for example, what a companies EPS is or what the company does lol. I've seen huge success trading stocks solely based on technicals, its not that hard once you learn what to look for.
Dude I really hope u realise just how awesome u are for achieving and helping others. Thank you 🙏🏽 I live in the uk 🇬🇧 and just about the everything u talk about can also be applied here too
Can you make a video elaborating on the specific tax advantages of investing in real estate? I'm about to make my first investment, and I'm interested in what your experiences are with the tax savings side of investing.
I have been investing for the past 5 or 6 months, putting money into Betterment. I like them because it is auto investing and auto rebalancing my portfolio. It was also very easy to setup and there are a lot of options for how you want money to go into your account.
Kinda like a Young Dave Ramsey. I know you may not like hearing that and you may or may not of heard this before. But i know you are truly just your own guy. Congrats on your success. I'm on my way as well. Thank you for the info!
I like Tesla as a company, but my returns from real estate have been bigger. Definitely not trading in for the tesla roadster, as much as i like it, I can't imagine dropping $250k on a car just yet.
One question about the renovations process. What tips would you have about going about this. Ideally I'm looking to find someone to stick with for the long haul. So that not only will they work on renovations but also once my tenants have issues they will also be used for repairing these. I was thinking to start at least by getting a small startup crew. Maybe those that leave flyers on neighborhood doors or hang out in front of large home improvement places and and hire them as the work comes then make it a routine. Please Mr. Graham any advice will be greatly appreciated! have a great evening and have an even better weekend!
Should we pay off collections from credit cards first before getting started? And should if not how can we increase our Credit Score from being sent to collections?
Hey Graham, solid video 👍. I just had a video idea which may be interesting for a lot of your followers: The detailed fixing up of a property. Pick an example of one of your properties and show by the layout topdown what walls you broke down etc. and with real life pictures what changes you made in terms of interior design :) I am pumped about the facebook group!
Yea similar to them, but different in the sense of a total summary of your work. E.g. a montage with pics of the same rooms pre and post renovation. And if it is the case in your projects how did you alter the wall layout by showing a top down drawing of the house. And I may have missed a video or two but some info on how to find good contractors would also be pretty dope! :)
Would you prioritize paying off federal student loans around 5.6% and 6.8% interest *while they're in deferment* or instead investing that money through high-yield savings accounts and Treasury bills?
Hi Graham can you please make a video on what a home equity loan is an how to use that to purchase another investment property? The other channels aren’t as clear as you
Do a video about the structure of your business. Whether you're a managing broker or an associate broker. Are you incorporated and get paid via independent contracting from your managing broker, etc. I'm not sure if you're a sole proprietor or how the state of California issues they're real estate licenses over there. But this would be some content I'm interested in.
Graham, why do you talk about the valve after remodeling? If you holding long term then you buy in at most levels of the market. Sometimes the value can go down. (Not in the greater Los Angles area seemly) It is not always going to be a seven hundred thousand valuation. Also do you personally hold your real estate? (Is it easier to get loans?) Or do you use a corporation for you holdings? Lastly, Kiva is another lending service. Thanks as always for your time!
Hey Graham, I love your videos so I subscribed. My question is what kind of accounts should I be creating to better manage my finance? I know that I should be building my credit score and creating savings account. What other accounts should I be creating? Your videos have taught me so much about real estate. thank you.
Make a video on how you calculate what’s a good deal or not. Like how you crunch the numbers to figure out if your rental income covers expenses & what cash on cash roi is... I went on biggerpockets did my calculations on a duplex but didn’t understand any of that on the last page
Such an informative video. I live in New Zealand and the housing market is VERY different from the US, only the already wealthy have the option of housing investments 😒 will work hard on some of the other ideas!! thanks for sharing your knowledge 😊
I was thinking of a real estate agent course, in the process of working on it...problem is that I'd want it to be absolutely perfect, and that would takes me years...so we'll see :)
What is the main different in contributing to a 403(b) vs. a 401K with my employer? Is there advantages/disadvantages to either? I am currently contributing toward a 403(b) - just curious if I should make a switch to a 401K? Thanks so much Graham!
Don't be foolish Graham. I just invested my life savings in Pokemon cards. We'll see who's laughing in 40 years!
It's all about those 1st edition charizard cards!
Lol
I put an alarm in 40 years to come back to this post to see who has the last laugh :D
Is that anything like freakin beany babies?
I bought 65 Princess Diana Beany Babies... SMH...
Been here since 14k subs love to see your channel grow man!
Love your channel cbass
Yoooo thanks so much man!
sameee
900k subs
One of the only real financial youtubers that is straight to the point, has great advice, and isn't trying to sale something. Thanks for the vid Graham
You got it!
I wish more young people would think the way you do... and follow your steps! Your advice is awesome!!!
Thanks George!
Grahams the type of person you want to hang out with, proven winner. Another awesome video, Graham
Appreciate the kinds words man!
Never sell out Graham! You're the best!
Always loving Graham's realistic and actionable advice.
Thanks so much man! Come visit LA soon!
I definitely want to! Just need to shed this pesky job and retire first :P
The two dislikes are Grant Cardon and his team member because you didn’t mention 10x, 16+ units or didn’t pull out your money and throw it on the table
All these people by the pooollll man, I quit weekends years ago
I spend my lunch breaks at work watching your videos (and some others). Such a simple video filled with amazing content...again!
So glad they’re helpful!
Graham, man you always come through. I wish you all the best in your youtube brand building. I can always say at least one view is ALWAYS gonna be mine. And i share this video to all my buddies and they too love your vids. It's amazing
YESSSS!! Thank you so much man, means so much to me to hear that, I really appreciate it!
Currently 29 years old.. I'll report back at 35 when I'm a millionaire.
Graham, I’ve listened to a ton of your videos, I have heard you tell me to comment below countless times, so here is my first comment. You finally broke me down, and I press “like” for your videos, I had previously never pressed the like button for anyone.
You say in the video that you need a lot of capital to start investing in real estate. I disagree. My rental portfolio started with a 3,000 dollar down payment on my personal residence that was significantly undervalued and purchased with an FHA loan and I was able to retire from my public school teaching job with rentals at age 31. I think it depends on the market and the deal, but know it can be done with as little as 3k. And as I learn more, I think it could be done with even less than that.
By the way, your channel is awesome, my favorite CZcams channel I have found so far. Keep sharing great content!
ahh thanks so much! That's amazing man, it definitely depends on the deal, type of loan, and area...in LA, $3k would never happy, but certainly in other parts of the country its absolutely doable. well done!
Love your videos Graham. I never comment or clicked the notification button but you provide amazing info! Thank you.
Thank you so much, Bryson! Glad you enjoy it!
I love these videos. Thank you Graham.
I agree with everything you said, and do actually all of these items (except Real Estate investing... hence why I know follow you!) One thing that is worth noting on this topic is that $1MM simply does not get you very far anymore. Sure, some will say that sounds like an pretentious mindset, and maybe it is... but if you want to be "rich" you're going to need a lot more than one million dollars. When I showed my father-in-law my spreadsheet for how I estimate to get to $10MM he just looked dumbfounded and said "well ten million dollars isn't going to do much for you in 2048 (my early retirement year)".
What I like most about your videos is the order and honesty of them. Sure, you're a great communicator and all, but what really does it is that your titles are never clickbait, you quickly summarise the video at the start, and then give the hard cold numbers and do say exactly what you're doing. Delivering 100% on your promise. Thanks for the time and effort.
Thanks so much!!
AND your reply to comments. :)
It’s getting harder but I could pretty much reply to most of them during downtime! Like right now at the gym, good to reply between sets!
Mine are the only ones that count, so you're set. Don't hog the bench texting, though, or someone might drop a dumbbell on your foot "accidentally".
Been here for the last 20,000 subs, but I'd seen several videos before that. I was incredibly impressed that you stuck to your promise of responding to comments when you responded to a comment of mine - 20 minutes after I posted it, on a video that had thousands of comments. You appear to be a remarkable businessman, and a good, honest guy. You're right when you say your video seems repetitive! Because you don't flip-flop on what you say. You believe what you preach. By far my favorite channel on CZcams, and I love getting my notifications. Snapchat and Instagram are my other daily doses that I need. Ever since I subbed, I find myself filling my time with your videos. It doesn't matter if it's in the background while I play a game, or I sit down and have a Graham marathon! You encouraged me to stop sitting around and start investing again. Instead of my money just sitting in an account, it's in stocks making me money again. Now that I'm 18, I'm beginning to work towards my real estate license here in Florida, in-between classes, that is, haha. All in all, I want to say a big 'Thank you!' for all of your videos. Here's to a prosperous 2018 for myself, you, and all of your viewers! Cheers!
Made my day reading this man. Thank you so much, makes all of it worth it to hear it's helpful and you enjoy it!
Here you are with another speedy reply! It's a whole 'nother experience to receive a response from the content creator than it is to just make the comment and go about your way. I hope you continue to receive the support from the masses that you have following you, because you deserve it. The last thing us kids need is to lose a source of motivation! Your content is always well-executed and well-thought out. I know I enjoy it, and many others as well, so it's nice to know you like getting to read our opinions!
Thank you again man! Hope to keep this up as long as I can!
Cheers mate.
And Graham a very genuine thank you from me as well. You are truly an inspiration.
Graham you are the man... I really appreciate the content and info you provide on your channel. Been subscribed for a few weeks!
You got it!!
By far one of the best personal finance and investment videos I've watched on CZcams!
Thanks!!
Another one! That comment about how a 3-4% interest loan is like free money given inflation was great. I never thought of it like that. Thanks Graham. Great video
Thanks!
Your channel is probably, pragmatically the most useful channel I've come across on CZcams. Thanks a tonne!
Woohoo! Thank you so much!
Working 9-5 is only a means to an end..no one can be wealthy and independent working a slave job
Adolf Hipster..... rofl
But you've gotta make that small sacrifice and live below your means and save more than you spend. Do those two things alone will make the journey to becoming a millionaire bearable.
Tell that to those executives or partners of an LLC that. They started from the bottom mostly.
Great tips! I learned a lot. Save and invest baby!
Ahaha, it's magic! ❤️ 🤣 great video!
I've got nothing against repetition.... Repetition is mother of skills, so thx for another reminder, Bro.
Thank you!
I dont care if it sounds repetitive, I need to hear this every single day! haha
Haha hell yeah!
This was I waiting for, thank you Graham!
You got it!
This is great advice! Thank you for making these videos. You do a great job explaining all of these strategies in a way everybody can understand.
Thank you so much! Really means a lot, I definitely try to simplify things as much as I can.
I liked this, you summed up all your tips in one video and it's good to hear it over again.
Thank you!
I know this is an old video...but lots of good info. On the Index Investing...details are the key. VFIAX...Min Investment..$10, 000...here is the point that many throw up there hands and say "I am done"..... For beginners that want to follow this road..they need a map leading to that 10K.. THEN they could invest. This is the point that keep most from following this path.. They are not at the starting point (10k)..They do not even know HOW to get to the starting point...This is were you could be the most beneficial and influential in helping direct people to that starting point. Thanks for all the knowledge that you share with us!!
First CZcamsr I put the bell on but your a boss man I like your work.
Woohoo, thank you so much! Really means a lot man, I appreciate it!
The Scarface like setup nice touch. I recall you speaking about the concept of putting just. A little bit of extra effort to stand out that is why I believe I follow you an enjoy your works. Also you seem much more genuine then the others.
The outro was sooooooo tru, a hell of a summary.
Thank you man!
For those looking at individual stocks, I'd highly recommend doing technical analysis (reading candlestick charts) when considering which stocks to buy. Fundamental analysis can only give you so much information, knowing whats happening to a stock on a technical basis is, in my opinion, is far more important than knowing, for example, what a companies EPS is or what the company does lol. I've seen huge success trading stocks solely based on technicals, its not that hard once you learn what to look for.
Thanks you Graham for another valuable video!
Thanks for watching!
You do a great job with these videos! Thank you so much.
Thanks Dylan!
Graham--Gosh, you a provide such a great, great service in terms of your advice.I can't thank you enough!
Thank you so much :)
Dude I really hope u realise just how awesome u are for achieving and helping others. Thank you 🙏🏽 I live in the uk 🇬🇧 and just about the everything u talk about can also be applied here too
Thanks so much man!
I watch all your videos.....great content. I have learned alot ,and have put the knowledge to use....THANK YOU.
thanks!!
You should make a video on FHA loans
Good content ! :) Keep up the quality videos
Thanks so much, David!
Very Simple. Your goal isn’t hard, you make it hard to reach it. People really do make it hard on themselves to reach their goals.
Can you make a video elaborating on the specific tax advantages of investing in real estate? I'm about to make my first investment, and I'm interested in what your experiences are with the tax savings side of investing.
Sure, will definitely do this at some point.
This video was great man. Thank you. Looking forward for more like this one.
Thanks so much!
I have been investing for the past 5 or 6 months, putting money into Betterment. I like them because it is auto investing and auto rebalancing my portfolio. It was also very easy to setup and there are a lot of options for how you want money to go into your account.
Cardano and ripple. Go all in. Graham!!😁🚀
Recipe for champions 👌 thank you graham 🙏
Thanks man!
Great to see how much you have grown. (2021)
Thank you.
I will set up my kids and myself on vanguard, great advice
awesome!
Great information! Great Video! Thank you for sharing this information!!
Thank you for watching!
Love the Bond cutout 😂
hahaha thank you! Had to put that in there.
Great Video Graham. Keep up the good work
Thank you so much!
1 and 2 is the only way to go. Take a very simple idea and take it very seriously.
Kinda like a Young Dave Ramsey. I know you may not like hearing that and you may or may not of heard this before. But i know you are truly just your own guy. Congrats on your success. I'm on my way as well. Thank you for the info!
Thanks so much :)
Can you do a video explaining the tax advantages of investing in real estate
I'll go into it in more detail in another video, but here's an older one I made: czcams.com/video/uWPkUxqvQGo/video.html
You really inspire me to save and to be smart with my money. Thanks.
Hell yeah!! :)
You should give a tour of your office. Keep up the good work
Thank you! I've done mini tours before but will for sure do another!
Great video, fantastic advice for those in the investment market. Looking good too :-)
Thanks dude!
I see a Graham Stephan video, I like and watch through all adds, try to subscribe again and remember I already have.
THANKS!! :)
Hi Graham... great videos... I like the way you articulate and explain things... what camera and lighting do you use?
Thank you so much! Canon 70D, 1.8 sigma art lens with fluorescent ring light!
You sir, inspire me
Happy to hear man :)
great information thank you graham
Thanks for watching!
Why haven't you invested in Tesla yet (just wondering), also if you're thinking of trading in your Lotus for the Tesla Roadster 2.0?
I like Tesla as a company, but my returns from real estate have been bigger. Definitely not trading in for the tesla roadster, as much as i like it, I can't imagine dropping $250k on a car just yet.
Can you do a video on the tax loopholes in real estate that you use?
Yep! Not really any loopholes, just tax advantages.
Any home repairs and the mortgage is most cases can be used as a business expense.
@@GrahamStephan will wait for it
One question about the renovations process. What tips would you have about going about this. Ideally I'm looking to find someone to stick with for the long haul. So that not only will they work on renovations but also once my tenants have issues they will also be used for repairing these. I was thinking to start at least by getting a small startup crew. Maybe those that leave flyers on neighborhood doors or hang out in front of large home improvement places and and hire them as the work comes then make it a routine. Please Mr. Graham any advice will be greatly appreciated! have a great evening and have an even better weekend!
So help me out , I have a paid off house , valued at about 250 - 300k cdn. how do i start?
Should we pay off collections from credit cards first before getting started? And should if not how can we increase our Credit Score from being sent to collections?
Hey Graham, solid video 👍. I just had a video idea which may be interesting for a lot of your followers: The detailed fixing up of a property. Pick an example of one of your properties and show by the layout topdown what walls you broke down etc. and with real life pictures what changes you made in terms of interior design :)
I am pumped about the facebook group!
Thanks so much man! Similar to my last renovation videos?
Yea similar to them, but different in the sense of a total summary of your work. E.g. a montage with pics of the same rooms pre and post renovation. And if it is the case in your projects how did you alter the wall layout by showing a top down drawing of the house. And I may have missed a video or two but some info on how to find good contractors would also be pretty dope! :)
Thanks graham I learned so much from you thank you ..
Thanks for watching!
yes graham i sent you a couple of messages actually to get you attention as well as comment
Would you prioritize paying off federal student loans around 5.6% and 6.8% interest *while they're in deferment* or instead investing that money through high-yield savings accounts and Treasury bills?
Very informative video as always Stephan
Thank you!
Keep it up. Great Videos!
Thank you so much!
After every video you post, i become a smarter 17yr old.
Mission accomplished :)
Your a life changer honestly graham
Thanks man! Glad it's helpful!
Hi Graham can you please make a video on what a home equity loan is an how to use that to purchase another investment property? The other channels aren’t as clear as you
Yeah man! I can do this.
Hey graham a really cool video idea would be showing us all your monthly expenses. or like some of them haha
Eh, I'm afraid to look at the stupid stuff I've bought in the last two months lol
Good call having the foresight on crypto. It's too new and too underutilized right now, but its time will come.
Hey Russ! I agree, it needs to be stable in order for it to work!
Getting my first listing hopefully before Christmas 😭🤘🏾
No way!! Congrats my man, well done!
Good luck my dude...
This exactly what I was looking 4)
:)
Hey Graham great vid as always. Can you do a tour of your house after all the renovations?
Yep! Will do this !
Waiting for this!!
Do a video about the structure of your business. Whether you're a managing broker or an associate broker. Are you incorporated and get paid via independent contracting from your managing broker, etc. I'm not sure if you're a sole proprietor or how the state of California issues they're real estate licenses over there. But this would be some content I'm interested in.
Great advice, as always!
1. Invest $1 in BitCoin in 2017
2. ???
3. Have a private jet and multimillion dollar home in 2018
4. Knawledge
“What is a search?” Great video!
Thank you!
What do you do when rents go down what do you do if you own rentals in a theoretical situation
I agree with you except with the tax advantaged accounts. I prefer the IUL(Index Universal Life). Look it up "Fam"
Never heard of it, will check it out "dude"
Bahahahaha "dude"
You should do a video on how to find undervalued properties, or how to tell if a property is under valued.
Will do!
Graham, why do you talk about the valve after remodeling? If you holding long term then you buy in at most levels of the market. Sometimes the value can go down. (Not in the greater Los Angles area seemly) It is not always going to be a seven hundred thousand valuation. Also do you personally hold your real estate? (Is it easier to get loans?) Or do you use a corporation for you holdings? Lastly, Kiva is another lending service. Thanks as always for your time!
Hey Graham, I love your videos so I subscribed. My question is what kind of accounts should I be creating to better manage my finance? I know that I should be building my credit score and creating savings account. What other accounts should I be creating? Your videos have taught me so much about real estate. thank you.
Graham’s channel is poppin
It’s been crazy lately!!
Good info
Thanks!
Make a video on how you calculate what’s a good deal or not. Like how you crunch the numbers to figure out if your rental income covers expenses & what cash on cash roi is... I went on biggerpockets did my calculations on a duplex but didn’t understand any of that on the last page
Definitely plan to do this!
Such an informative video. I live in New Zealand and the housing market is VERY different from the US, only the already wealthy have the option of housing investments 😒 will work hard on some of the other ideas!! thanks for sharing your knowledge 😊
Thank you so much for watching!
I love your videos!! Truly good information!! You can write a book or make a course... another source of income for you!!
I was thinking of a real estate agent course, in the process of working on it...problem is that I'd want it to be absolutely perfect, and that would takes me years...so we'll see :)
First💯💯
Actually 9th ^
Hey Graham! you should talk more in dept about Ally Banking. If your money has grown and if is really legit. I'm thinking of opening an account.
Have you ever read automatic millionaire? And yea, you summed up so many wealth books that I've read before. Agree 100%
Never read it! I'll check it out!
bruhh dis guy XD kills me every time hahaha IS MAGICK !!
Haha thanks ;)
I'm in NYC, a studio is $600,000, a multi tenant home is prob over $1,000,000 even in the outer boroughs
Graham, what is your opinion of building REITs portfolio for making money via dividends? Love from Canada!
How do you look for property that would return 10% of your money invested?
What are the criteria that you look for?
Could you teach us please?
What is the main different in contributing to a 403(b) vs. a 401K with my employer? Is there advantages/disadvantages to either? I am currently contributing toward a 403(b) - just curious if I should make a switch to a 401K? Thanks so much Graham!