The Federal Reserve just changed their policy on inflation – here is what this means for investors, the stock market, the real estate market, and your money – Enjoy! Add me on Instagram: GPStephan

LIMITED TIME: Get 2 FREE STOCKS ON WEBULL when you deposit $100 (Valued up to $1400):



The YouTube Creator Academy:
Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: $100 OFF WITH CODE 100OFF

My ENTIRE Camera and Recording Equipment:

The Federal Reserve held a meeting yesterday morning to announce their new policy with regard to inflation.

Previously, the Federal Reserve has set an “INFLATION TARGET” of about 2% per year. BECAUSE the Federal Reserve has been seeing LESS THAN 2% inflation…and, in this year, we’re basically seeing NO INFLATION …the FED just said: We can let inflation go as HIGH AS IT NEEDS to…as long as we just “AVERAGE OUT TO 2% IN THE LONG RUN.”

Think of this like “making up for lost times” – or, encouraging short term inflation, with the expectation that they can bring it down in the future once our economy recovers. In the PAST, if inflation were to exceed 2%…EVEN IF PRIOR YEARS WERE WELL UNDER 2%…the Fed would begin to raise interest rates, and put a stop to rising inflation…but now, they’re going to let it ride for the purposes of bringing up that average, and helping get our economy back to a new normal.

Here’s the GOOD news…

FOR INVESTORS: This COULD MEAN the value of your investments could be going up.
That’s because, GENERALLY speaking, asset values like stocks and real estate RISE with inflation…that’s because, as more money is available within our economy, either from lower interest rates or more currency going into circulation, usually that money is spent and dispersed back into the economy, where it inadvertently boosts up stock and real estate prices as people spend and earn more.

Secondly, for anyone holding onto loans, especially MORTGAGES – this is a GOOD THING.
If you have a 2% mortgage on your property, but INFLATION is 3% per year – that means INFLATION is actually making your mortgage CHEAPER to pay off every year, by eroding away the amount you owe on it.

Third, high inflation also makes our national debt EASIER to pay off to the point where – the longer you DON’T pay it off – the cheaper it becomes.

So, overall…the WINNERS here are the people who have investments, who take out well calculated, low interest fixed rate loans, and who just HOLD ON to their investments as long as possible.

HOWEVER – Not everyone will be a winner, and there are some consequences to this…

The first person who’s going to lose from this is the person who isn’t investing their money.
If you haven’t been investing your money this year…your money has ALREADY lost its purchasing power compared to where we were in January, in terms of stock and asset prices.

Second, people who are SAVING MONEY are also going to lose in this situation.
Because the federal reserve is encouraging more inflation, that means that your savings are going to be worth LESS each and every year that you don’t either spend or invest it. Now, don’t get the wrong idea – it’s ALWAYS a good idea to hold some cash on the side in case of an emergency or for your normal expenses – BUT, you should always aim to keep that money within a high yield savings account, so it doesn’t lose AS MUCH value.

That means, the BEST course of action RIGHT NOW is just this:

One: Don’t keep TOO MUCH CASH on hand without having a short term purpose for that money.

Second, keep investing your money and then – JUST HOLD.

That means that you should ONLY invest money that you know you won’t be touching for at least 10 or 20 years, because who knows what will happen in the short term.

And third, it’s also just as equally important to stay employed, continue to grow and expand your skills, and negotiate a competitive salary as often as you can to make sure you’re fairly compensated for your work.

For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at

*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.



    Fun coupons? Going Wolf on wall street on me Graham?

  2. Marcus Schneider Reply

    no idea how to invest in canada

  3. Gsitsi Vrisri Reply

    while you are struggling with stock with just a profit of 10-50%, crypto investors make millions from the Defi trend, if you do not trust me, watch and wait for Paradefi Network

  4. Jason Caggiano Reply

    Graham, I’m interested to know what you think would be a good financial move once inflation catches up. Yes theres no inflation now and maybe even none next year too, but once things get back to normal inflation will probably go to somewhere between 8-12% in one year because of how much extra cash that’s being printed right now. The fed’s plan is still to return to 2% once everthing gets stabilized again, but a 8-12% inflation rate in a single year could be devistating for a lot of people. Love you videos. Let me know what you think.

  5. Eagles_Eye Reply

    Does this make investing into low % dividend stocks useless?

    Edit. Like I’m in realty income Corp,
    Store capital Corp,
    Regency center Corp ( last one is doing crap atm, might ditch it next year)

  6. FeroxX Reply

    just buy gold stocks ppl…

  7. Nadeem Ibrahim Reply

    dislike cause of the absurd amount of ads

  8. Michal Benčok Reply

    Thanks for video but could u cut out the same ads to ur other channel and free stocks its kinda annoying to see them in every video(do not cut the begging for like thats the mandatory speech, without that i am not watching 😀 ), maybe just do them every third video?

  9. Khaled Rushdy Reply

    The iOS application has no blue like button anymore… it is white now

  10. Ivan Sancha Reply


  11. SAL Reply

    I have all my money in bitcoin.

  12. gg b Reply

    I didnt even get my first stimulus check 😫

  13. Wolf Moon Reply

    I like fun

  14. invrplayedb4 Reply

    There is no way inflation was only 2% last year or less. Think of how much more valuable $100 was last year compared to this year. I definitely can’t buy nearly as much everything went up way higher than 2%

  15. The Money Playbook Reply

    I feel sorry for anyone that doesn’t invest their money in 2020 and beyond! Be smart guys!

  16. Radu Bogdan Rednic Reply

    Omg, you made me actualy like your video

  17. Travalingo Reply

    1:20 we just lost “the game”

  18. Noah Collin Reply

    Fun coupons don’t buy happiness

  19. Lavita Williams Reply

    An the feds will continue to. Manipulate the stock market until election is over. Then it will crash once America for all.

  20. Yellow Hellow Reply

    Fun fact, Graham usually does not wear pants in his videos

  21. Ataraxia_Atom Reply

    Money can’t depreciate in your savings account if you don’t have a savings account

    – 4 dimensional investor

  22. Chrissy Teigen Reply

    Having professional mentor you is also very important when it comes to trading, without proper mentorship, one tends to opt out of the market early enough. I do my investment on Expert Maria platform. She’s pretty good

    • Patrick William Reply

      She has made success easier than we thought
      Sometimes I wonder if she uses magical powers to trade

    • Thomas Richard Reply

      Thanks to you all for your testimonies, it has helped me greatly I thought they were not real but I will now boldly testify …her strategies is awesome

    • Cherouiyot Mercy Reply

      @ Patrick William
      Expert Maria all the way up

    • kristen Bell Reply

      Thanks guys for the recommendations, really expecting to have her info

    • Blake Lively Reply

      Where is she from I want a genuine trader….please help anyone

      I’ve lost enough to cheaters

  23. Ferenc Richárd Bőcs Reply

    That El Primero is damn gorgeous :O

  24. Random Friction Reply

    Lost me at National debt, implying inflation reduces the debt.

  25. Chris Littmann Reply

    Hey Graham! Where does slightly a slightly higher interest loan (ie, a student loan at around 5.5-6%) fall for you at the moment? Better to pay that down at the moment, especially if I’ve already maxed my Roth IRA for the year?

  26. Dr Christiano Roland Reply

    I believe the best Trading Secret is by investing rightfully with an intellectual broker all thanks to Mr Paul Charles who changed my life account with an investment of $1500

    • nelaon Ani Reply

      @Gilhams Trowell

    • nelaon Ani Reply

      Here I thought I was the only one earning consistently with his trading system. It is good to see these positive comment about him Mr Paul is really a great mentor when it comes to stock trading

    • john Nelson Reply

      I’m not surprised Mr Paul Charles have a lots of experience in stock Market which give him an edge over other Broker

    • Kevin Fisherman Reply

      There’s no crash, everyday up, safe investment as long as we have fed, thanks to my broker Mr Paul

    • Kevin Fisherman Reply

      No strategy outclasses that of Mr Paul Charles, he has proven to be very trustworthy and reliable to all

  27. Holly Owens Reply

    Check out Peter Schiff or George Gammon on youtube if you want to know more in depth info on this stuff. I love Graham but he only scratches the surface!

  28. The unHandyman Reply

    Grahams short term is 10-20 years? I was thinking more like 4-7. Don’t most massive crashes recover within 4-7?

  29. Jack NA Reply

    Hey Graham, wanted to say a massive thank you for typing out your content in the description. Its a massive time saver!

  30. glichedsniper Reply

    Hey Graham i know you wont read this.
    but i turned 13 and have been getting small jobs like taking trash out and stuff. i wanted to know what jobs can make me a millionnare FAST thank you please give me like 5 jobs that will get me rich fast

    • Wilson Brown Reply

      i advice you go into forex trading or binary trading options is the fastest paying online business i recommend an expert for assistance

  31. Tyler Gab Reply

    Can you talk about forex/FX

  32. Salvador Ceja Reply

    What do you think about ticker symbol (REML) ?

  33. Joao Souza Reply

    Help us understand how we should open a corporation for our real estate rental investing business 😫. Are LLCs best? Should I open a corporation before buying my first property? So many questions hahaha

  34. KanedaSyndrome Reply

    Everytime you spam your bullshit about smashing the button I am less inclined to click. I’m honestly tired of this.

  35. Without Worries Reply

    A mortgage with low rate of interest rate as we enter a period of deflation on the largest asset bubble ever is not at all good. Dump the property and rent.

  36. minarismile Reply

    1. Don’t keep too much cash on hand without a plan
    2. Keep investing consistently
    3. Stay employed and negotiate your salary

  37. Kerry Stessel Reply

    So with that said. If you have high interest credit card debt, would you pay it off faster or slower and would you sell stocks to pay it off or hold your positions (that are going up) thank you so much.

  38. Joe Anderson Reply

    Hey graham I herd you know Jeremy aka (financial education)

  39. Satisfying Whirlpools Reply

    They should make new money that has different colors for higher values
    $1 = red
    $5 = orange
    $10 = yellow
    $20 = green
    $50 = blue
    $100 = purple

  40. S C Reply

    But wages still stay the same.

  41. The Average Golfer Sway Baez Reply

    So basically the rich get richer the poorer get poorer.

  42. Oteng Keabetswe Reply

    Pijamas😂are not pants I think

  43. Oteng Keabetswe Reply

    Your videos are always helpful, thanks a lot for the great content ‼️

  44. BBlack6868 LiveTrading Reply

    When this bubble pops……it’s going to be super ugly. What happens after printing money fails….lol….guns and ammo goes on high demand.

  45. Noah Moroski Reply

    Where’s the Rolex??

  46. Tarek Samad Reply

    I must say investing into stock market before this pandemic has been productive especially during this pandemic and I have done so side by side with Mr Ahmad Hassan.

    • Donald Charlton Reply

      His portfolio is amazing. Patience is key to Crypto trading

  47. Oliver Castillo Reply

    Can you make a video on money market account?

  48. MR. MURPHY Reply

    You’re absolutely right sir!

  49. Joseph Lee Reply

    Having children costs a lot of money. If you want to get married with children, you will have a significant hard time investing. You are saying how easy it is since you are a single man even though you just have a girlfriend. We are investing a lot of money on people like our children. At least, we do not have any debt. At least, not yet. We are hoping our children will grow and help people who are hurting and dying. We just want them to grow so that they can contribute this planet from destroying itself.

  50. emeraldcitydreamz Reply

    Doesn’t real estate need buyers to go up? If people aren’t working will they be buying houses. How many houses should one rich guy own if people can’t afford to rent from you?

  51. Nate Wageman Reply

    Man, these ads have been getting outta hand… lol

  52. clarence vutt Reply

    Well I think the market will recover quicker than expected because I’ve been coming across articles of investors making as much as $350,000 within months and i’d really appreciate it if anyone could share tips and clues on how to make this much profit.

    • antithetic Investor Reply

      what you need to do is get a mentor, tutor or a portfolio manager because it takes a good level of expertise to successfully apply the right strategies to make profit, I got in touch with a portfolio manager ‘Melanie Bailey Hess’ she taught me alot about the market crash and also guided me make as much as $470,000 since February when I started off with her.

    • patricia lisa Reply

      You can make alot of money trading, but dont forget to do your homework and also apply the right strategy.

    • Real Eyes Reply

      I think i’ve come across Melanie on a CNBC interview, how can i get in touch with her?

    • antithetic Investor Reply

      @Real Eyes Yeah she has been featured a couple of times on CNBC, just search Melanie Bailey Hess and check out her website to get in touch with her.

    • clarence vutt Reply

      @antithetic Investor Thanks for Sharing

  53. Alex To go Reply

    Buy n hold that Tesla.

  54. mimmoon16 Reply

    The irony when a Starbucks ad plays on Graham video lol

  55. 9Lanes Reply

    Investing in reits rn are a great option

  56. dbucka Reply

    Is this supposed to be something new? Econ 101?

  57. St1cKnGoJuGgAlO Reply

    Crypto is the future

  58. nmcdwhatchaaaa Reply

    Did Graham just say JPow? Oh lord, is he perusing the r/wallstreetbets sub???

  59. Shama Haque Reply

    So did you buy tesla back those you sold at $900 and still in sideline in mighty crypto?

  60. Dou Moua Reply

    Smash the like button to help Graham against inflation.

  61. Lisa Lowery Reply

    This is why i own BTC and Ethereum

  62. Apples Brown Reply

    Donald Trump you are fired!
    Vote For
    Joe Biden
    kamala Harris
    United We Stand

  63. wavyboyo Reply

    graham getting older, look way different now

  64. Isosocold Reply

    i got a starbucks ad ewwwwwww

  65. Mr. Zardoz Reply

    The Fed=🇮🇱bankers.

  66. Richard Brannon Reply

    I lost the game…

    Only the real OGs will know.

  67. Derek McDaniel Reply

    2:20 Graham, this is wrong, and frankly disingenuous. You need to talk about stock-flow models. It is not the “money stock” that matters, it is the net flow. The quantity theory of money is wrong and frankly inexcusable.

  68. Daniel Carey Reply

    Love the video but when you cut to a different angle after every sentence it’s very jarring to watch

  69. Lik3ToSing Reply

    One of your best videos recently!

  70. reseller7 Reply

    Graham … lets get REAL!!!! A DOLLAR is always a dollar!!! This notion that money is being devalued is BS!!! It all depends on what you are buying with your money. EX: Back in the day I paid $600 to fly one way from SF to NYC!!! Under Covid 19 SF to NYC round trip costs ONLY $199!!! Not convinced. My first home in the Bay Area costs $32,500 in 1973. The payment was approx $300/mth at 10.5%. That is a ratio of $300/$32500 = 0.923%. That same home today cost approx $800,000 at 2.5% payment of $3,160.97. This ratio is $3160/$800000 =
    0.395%. So if I multiply 0.395% x $3200 = $128.375 payment!!! Now the opposite $800,000 x 0.923% = $7384 payment!!! Lets take it a little further.

    Wages in 1974 for transportation works was approx $12,500/yr. Ratio $12,500/$32500 = 38.46%. In 2020 $62,000/ $800,000 = 22.222%. That makes it seem like your argument is correct. However because interests rates are lower now the $ has kept it’s value able to buy more home in the Bay Area!!! What about the fact I can purchase a home in another location out of the Bay Area. My $$$ go much further. I can now by a HUGE home with land and pay maybe as little as $200,000 and still get that 2.5% rate!!! My $$$ are bringing me income if it’s a rental!!! This is what you’ve discussed in your video’s when you’ve bought properties. Another EX: In 1966 I bought my first car a 1965 GTO cost $3400. Today that car would cost me $60,000 if not more!!!

    Gas prices in 1970’s $1 / $12600 salary = 0.00793% . 2020 in CA $3.50 / $62,000 salary = 0.00564%. If we looked at other areas of the country we would see better ratio’s.

    One more in 2011 gold cost approx $1900/oz. Yet in 2016 I could have purchased 1oz for under $1100. Only lately has gold come back!!! My point the $1 is ALWAYS the same in purchasing power. What changes are the products or services we purchase with those $$$$$ !!!! What something cost in one area might seem to cost more & the $ weaker. Might not be true in another area of the country or the world!!! It’s all about timing & SUPPLY & DEMAND!!!

    • reseller7 Reply

      I forgot my first computer in 1986 IBM AT no hard drive cost $6500!!! A color TV back in the day $800 today as little as $100!!! Watches, furniture, clothing all CHEAPER!!! So what if food costs more. Since we save so much much money on other items … we can afford food and still have more money left over!!! Look at you & what you earn. You don’t even get dressed and make millions from home!!! 🙂

  71. Justin Lynch Reply

    The s&p took 10 years to recover from the .com crash for those who bought at the peak. This market is insane. I disagree that people out of the market will lose. They very well may, but I think it’s already very optimistically priced.

  72. Audra Reply

    *Observes Graham’s button creep…* *Wonders if her dad is giving him style advice* Ya silver foxin’ bruh?

  73. Dominic Gomez Reply

    Graham, i really enjoyed this video. But I think that there was one major flaw. If you look at the M2 money supply which is a better reflection of money actually going into consumers and businesses pockets for spending that has actually gone down since 2008 when QE was put in place.

    Thanks for the awesome content, love it.

  74. Erin Reply

    I want to invest in the S&P 500 but there’s so many of them and I don’t understand how to do this or where to go! *pulls hair out* I am so confused….still.

  75. Lebecc The Computer Reply

    Hey graham, I was wondering if you could make some content for those of us who are kinda well off but are wanting to bring it to the next level. Maybe something g like how to become much more wealthy with a few hundred grand in savings, or how to turn a million into 10 million, etc.

  76. Brian Kimmel Reply

    Those are pants. Thats required attire when taking kids to school in western Nebraska

  77. ENCRYPT3DBR0K3R Reply

    We have been waiting many many months for what is about to come my friend Mr. Graham. I will message you again when Bitcoin is back at its all time high of $20,000 before years end. A new world is being born around us, it will never be the same again.

    • Wilson Brown Reply

      reach out to an expert directly for assistance,he will tutor and guild you step by step

    • Wilson Brown Reply

      + 1 4 6 9 2 7 5 1 3 7 3

    • Wilson Brown Reply

      on whatsapp

  78. Pong Kham Reply

    Monopoly money

  79. DIY With Reza Reply

    You need to live in Iran to see what is the real inflation!

    • Jones Brown Reply

      reach out to an expert directly for assistance

    • DIY With Reza Reply

      @Jones Brown what

    • Jones Brown Reply

      @DIY With Reza he will help you make money trading online

  80. random stuff Reply

    If I understand it correctly, this move benefits the rich and middle class who can invest, but those living paycheck to paycheck get screwed over.

  81. Leslie Dmello Reply

    I am actually surprised that you bought the bologne Powell sold us. The goal is to keep inflation level below 2% and not average out. Fed knows for certain that inflation will rise and it is out of their control. This is good way to fool us.

  82. Jorden Madsen Reply

    Can you do a video on where to put money that is just sitting temporarily? I have a bit of money saved and I want to invest into a property but I can’t as I am not working due to an injury (my funds I have have nothing to do with my injury) so I have money saved up and I would like to to make some extra money in the mean time until I can get back to work and get my 2 years of income so I can get a loan.

  83. Zachary Gale Reply

    You can’t pay off debt on a debt based system

  84. Zachary Gale Reply

    Don’t raise rates taxation is theft end the Fed

  85. jeffsupersaiyan Reply

    Graham where is your girl ?

  86. Emilia Ingrid Reply

    Cryptocurrency is here to stay if you can’t see that at this point, it’s time you learn more about it.

    • Donald Pricegreen Reply

      Can I start with him? How can I reach him?I’ve lost so much to cheaters, his informations

    • Don Rich Reply

      @Eddie Brill Sir please I’ll be grateful to you if you give me a reachable way I can easily talk to him

    • Eddie Brill Reply

      Whats(a)pp + 1 9 7 2 2 0 0 2 9 1 5

    • Aaliya Muhammad Reply

      I’m very interested in investing my money but very afraid on doing it on my own. Seeing all this good comments about Expert Bruce is giving me so much confidence in reaching out to him and see if he can help me out

    • Don Rich Reply

      I’m placing my trade with Expert Bruce As soon as possible

  87. Добрый День Reply

    Почему нету субтитров на русском языке?

  88. sally goon gotz Reply

    “Make sure to j pow that like button” lmfao 🤣

  89. Vance Cagle Reply

    Money Printer Go Brrr

  90. Scott Walley Reply

    Hey man. I am making a page on fb. Could I use this video for a intro video?

  91. I Will Become a Millionaire Reply

    “Disgusting Starbucks coffee” 😂Please make a video with a Starbucks coffee in your hand to mess with people!

  92. Lyndon Scott : Ecom Authentic Reply

    Great video, really helpful!

  93. will brito Reply

    a reverse stock split? lol

  94. Любослав Станков Reply

    Can you do a video where you give tips on starting a business?

    • Jones Brown Reply

      reach out to an expert directly for an expert directly for assistance,he will tutor and guild you

    • Jones Brown Reply

      + 1 4 6 9 2 7 5 1 3 7 3

    • Jones Brown Reply

      on whatsapp

  95. JPS Trading Reply

    Graham always has big nights plenty of bottles of champagne along with regularly shouting the bar, sounds like Graham to a tee haha
    Love the vids Graham

  96. Musa Negmetov Reply

    Does Grahama have a paid channel?

  97. GrasZy Reply

    I learned more about the stock market here than two weeks of math class thank you!!

  98. Dima Zemlja Reply


  99. Ryan Hess Reply

    great info Graham!

  100. Fat Cat Social Club Podcast Reply

    I put out a clip just yesterday that would compliment this quite nicely! Feel free to check it out. I warn you I don’t have the enthusiasm of GS!

Leave a Reply

Your email address will not be published. Required fields are marked *