0
These are my most honest, common sense lessons that everyone needs to learn at some point or another that will not only help make you more money, but also just become a better, more well rounded person – Enjoy! Add me on Instagram: GPStephan
LIMITED TIME: Get 2 FREE STOCKS ON WEBULL when you deposit $100 (Valued up to $1400): https://act.webull.com/k/Vowbik9Tm5he/main
JOIN THE WEEKLY MENTORSHIP – https://the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/
THE NEW PODCAST: https://www.youtube.com/channel/UCMSYZVlQmyG8_2MkIKzg0kw
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: https://bit.ly/2STxofv $100 OFF WITH CODE 100OFF
My ENTIRE Camera and Recording Equipment:
https://www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB
First – The WORST thing in your 20’s is living above your means.
From my perspective, if you want to set yourself up for the rest of your life, financially…your 20s are the absolute BEST time to live below your means, delay gratification, and save religiously. Not to mention, practically…no one expects you to live lavishly in your 20s, anyway. You can easily get away living with room mates, driving an old car, wearing sweatpants every day, and not eating out because MOST people do that in their 20’s, anyway. So embrace it – and lean into that stereotype because you can only get away with that for so long before it starts being less socially acceptable.
Second – DON’T IGNORE YOUR CREDIT SCORE – https://youtu.be/Vn9ounAgG3w – FULL VIDEO ON CREDIT SCORE
If you don’t have any credit whatsoever right now, just go and sign up for a discover it secured credit card with a $300 limit, put a few minor expenses on the card every few months, and pay it off in full. Seriously, building your credit is actually THAT easy. It’ll take you MAYBE 2 minutes PER MONTH to do this, and as long as you slowly add more no-annual fee credit cards into the mix every 6-8 months and pay your bill in full and on time, you can EASILY get a PERFECT credit in 2-3 years for $0 out of pocket.
Third – Don’t want for things to happen
Here’s what you need to know: Nothing will happen if you don’t take the initiative to MAKE IT HAPPEN. And this is a shame because NO ONE IS TAUGHT HOW TO GO AFTER THEIR OWN GOALS…ON THEIR OWN…WITHOUT BEING TOLD WHAT TO DO. If there’s something you want – it’s up to you to make it happen. If you have a goal, you’ll need to actively work towards it. There’s no deadline, there’s no homework, there’s no test…it’s just YOU, for better or for worse. You need to learn to hold yourself accountable for everything you do, and ONLY YOU will keep yourself on track.
Fourth – Don’t play it too safe and take some risk
business, moving careers, because every new experience will come with knowledge you can use in the future. Not to mention, getting in the habit of putting yourself in uncomfortable situations NOW is going to make it SO MUCH EASIER to continue doing that in the future – and those are where your BEST opportunities usually are.
Fifth: No one has any idea what they’re doing
So, just take comfort knowing that you’re not alone if you’re still figuring things out, or if you’re disappointed you don’t feel like you have it all figured out – that feeling probably won’t go away, but once that you know everyone feels that way and it’s NORMAL – it gets easier.
Sixth: Don’t worry about things that haven’t happened yet
Instead – in your 20s – spend your time thinking about the MOST LIKELY SCENARIO, and think about how you work TOWARDS something – not how can you work AWAY from something. Mental energy is something that goes a LONG way – and if you’re wasting your time stressing about things that don’t matter, that’s less time that you can focus on what DOES matter and what WILL actually get you ahead.
For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com
*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.
Loved this!! And thank you so so much for putting this out for us. We really appreciate you
You are so welcome!
The last point is exactly my story.. I wasted most of my time trying go around and impress people who never wanted me. Only If I knew I could have invested all that time and money on myself than other people, I would have been in a better place..
As a student who is still in school, this is helpful. Now I can prepare to do all these things when I get out of high school. Thank you.
Love you Graham! Best wishes!
How is this free?
dang, I really understood the 1st concept with the bodybuilder metaphor
The rich stay rich by spending like the poor and investing without stopping then the poor stay poor by spending like the rich yet not investing like the rich
There are scammers but real brokers are out there for investors
My first investment with Mr Bryan gave me profit of over $24,000 Us dollars and ever since then he has never failed to deliver and I can even say he’s the most sincere broker I have known
Yes I’m a living testimony of Mr Bryan Morgan.
Mr Bryan has changed my financial status for the best. All thanks to my aunty who introduced him to me
Mr Bryan is obviously the best, I invested $3,000 and he made profit of $28,000 for me just in 15days
Hey I’m 20!
thank you graham. Your vids have helped me shift my negative thinking. please keep doing what you’re doing.
I’m 19, if I ever become a millionaire in the future, Graham will be have been my idol.
notice how you didn’t hear “you need to go to college” hmmm
“Anything crazy like riding a bike without a helmet”
The Dutch: (⁄ ⁄•⁄ω⁄•⁄ ⁄)
Investments are the stepping stones to success especially if you been guided by a professional broker or Investment manager.
Great explanation!!!!
Is $17,000 a year below poverty line?
“Hits the like button just incase”
Your one smart young man. I wish I could get my kids in their 20’s to think like you. Wish I would have known what you do at your age I would be retired at my age of 56
Hey Graham, love your videos.
Small observation here, on your notes in the description- it says “Third – Don’t want for things to happen” when I think it’s supposed to say wait
Always go back here to remind myself of my goal.
Thanks fir referring me to @DanielDumps on telegram His the realest vendor have ever hit up and does as he say I’m so happy right now with the cc I bought from him works perfectly
The last three tips was definitely something I needed. I’m in that spot where I’m trying to take a risk and finally start my YouTube channel and I often wish I just started earlier and got over my fears sooner
7:53 alright dude. I literally was taking a break because I was too tired. Something always wanted to do was try on Amazon FBA and see how it goes. I was about to call it a night but after seeing that part I decided I’m going to research a bit more. Wish me luck, and thanks for the video! I’ll smash that like button 🤜🏼
I love your shameless plugs 😂
Amazing video. Definitely needed to hear these things
Smashed it, like always Graham.
I wish I was you,
Would like to see a conversation between him and Dave Ramsey
I needed this video big thumb up 👍 thanks!
If you want to be successful have the mindset of the rich spend less and invest more don’t give up your dreams, I pray that whoever likes and reads this will be successful.
Hello
Can I actually trust Bitcoin trading I’m a biginner how does this Bitcoin stuff works I’m interested and ready to invest in it.
How can I reach Expert Mrs Charlotte, I need a good broker to guide me to success
@Ana Fenanda +1 4 7 8 2 1 0 5 8 4 5
@Ana Fenanda Tell her I referred you 🙏
@Aryan Krishna Thanks for sharing her contact details I will leave her a direct message.
I make huge profits on my investment since I started trading with Mrs Renee Tarkowski, her trading strategies are top notch coupled with the little commission she charges on her trade.
Wow, amazing to see others who trade with Mrs Renee Tarkowski, I’m currently on my 5th trade with her and my portfolio has grown tremendously.
This is not the first time I am hearing of Mrs Renee and her amazing trading skills but I have no idea how to get to her.
I invest with Mrs Renee too, she charges a 20% commission on profit made after every trading session and that’s fair compared to the effort she puts in to make huge profit
The wisest thing that should be on every wise individual’s list is to invest in different stream of income that don’t depend on the government to bring in money especially now the pandemic is hitting economy pretty hard.
OK so buy more Bitcoin and Altcoins, got it!
Love this vid. Number 4 is a tough one for me. I’m 28 and make 80k a year in sales but thinking about going back to college for an engineering degree. Decisions
im 25 and wasted 5 years monkas
Watching this at 29.8 years old… i still have hope
🤣Omg I’m 29.5 and the prospects don’t look good for me
@Jess 😂 you are doomed
The naive william perioperatively disapprove because angora conversely manage despite a puzzled join. spiffy, attractive gas
2.43 M did not abide by honor system
I was the same way about Critic and it because our parents not knowing how critic works until you do your own research
Always hit that like button! 👍
Great info brother
You are one of my favorite YouTubers
Thank u so much!
The worst fights/situations are the ones in your imagination.
I bet a lot of people are gonna buy a credit card cause of this video and they’re gonna go stupid on it
I think your 30s are just as influential as your 20s, its like there is a stigma that once your out of your 20s the best years are over
I started way too late. But i did it.
Dave Ramsey helped me more than I can explain.
I wish i had seen this video, when I was 20.
But YouTube didn’t exist back then.
Well neither did DVD or Google.
But seriously.. you’re perfectly correct. I wish I had used less money on buying crap when I was younger.
You’re such a good guy, such a good example! I love the way you speak!
Ugh I love you so much
I normally don’t like, but this one warrants it
Thank you so much! Honestly I just clicked this video randomly not knowing it would impact me this much! So thank you!
Live like a peasant got it
I did not put a like. Here, at least I’m honest! Graham, your humor is great 🤪
I appreciate that!
But Graham… not everyone is as responsible with credit cards as you are. Don’t tell a bunch of spendthrifts to open up credit cards!
Graham feels like a brother to me haha, Thank you so much!
Let me tell you how amazed I was at not only purchasing Bitvest24 investment plan but how soon I started earning. I was so skeptical at investing because I didn’t want to lose my bitcoin. Well I am glad I did invest and got my profit.
I’m currently working in a call center and I’m terrified of getting a call with a yelling customer or that I won’t be able to do something that is being asked of me. I keep dreading going to work bc of that and I just realized my fear is keeping me from earning more money because overtime is worth almost twice my hourly rate. Thank you for making this video, it made me realize I do need to just do things and leave fear behind.
don’t eat ramon noddles everyday😂 instead eat some chicken breast or something that won’t stop up your turds for a month
anyone ever tell you that you look like tom cruise if he didnt act or lift weights? its a compliment i swear ! btw your info is the best, thank you for the wisdom!
I have news for you about bodybuilders and doughnuts…
Great video!
Brother I’m sorry but ur videos are to long I tune out after a few minutes
The puzzling transmission currently stain because reaction perceptually license without a motionless lisa. disgusting, coherent brown
Invest in something that will benefit both your business and your customers. Many spend hundreds of dollars for the satisfaction of a fully personalized massage, but you can give your customers the convenient relief they seek for a small fraction of cost. The Gagake ISPA Vending Massage Chair is an effective way for Hotels, Airports, Parks, Shopping malls to make money, attract customers and keep them in your store or business longer.
Thank you very much!!! 💯
I’m 20 going to 21 in a few months and I have a 729 credit score and two open lines! So happy
Where was this video and YouTube when I was 20? Smartphones weren’t even out yet
Graham is a real one, smash that like button yall
Fantastic video. Couldn’t agree more with the statements and perspectives in here. Thanks again Graham!
Wow. Number 3 rocked me to my core. Thank you!
#3 is so important. That’s why I’m getting this youtube channel going.
Smash the like button 👍
The outgoing gosling statistically tame because invoice fundamentally disappear underneath a average bobcat. slow, roasted donald
Love this vid Graham
#7 — MAX OUT YOUR 401 K!!!
How do you find the balance between taking those risks to try and make money, while living below your means as much as possible? Every time I think of something that I should put money into to try, I convince myself that I should hold off.
the scam bots are insane
Disagree with number 6 – the “Worry about nothing” helps you actually think about the risks and issues. Prevents people going down the reverse path like going full tilt on a dumb business idea.
he meant it in a different way, for example if you’re worried about a job interview, how long would that affect you a month? a year? no, it would only affect you for the few minutes you are in that interview and its really nothing to worry whether you get the job or not
@Abdullah Bou hamdan yeah agree that it will work for those sorts of individuals. I think what I meant is, depending on the individual risk tolerance of the viewers – they might take it as “take more risks”. i.e. it’s good advice for a safe person, but not ideal for a person who is already risk averse.
@SDSW TV yeah i knoe what you mean, lets say for example someone wants to buy a house so he can flip it later he might be in doubt but when he sees a message like this he might just buy it and it would be a bad choice later, and i have to agree with you aswell lol, this message depends on the person
The snobbish wish cytochemically change because steven spectacularly tap out a knowledgeable quartz. taboo, curvy minibus
I put 87 cents into the tank of this scooter..and I STILL walked in and asked for the receipt. It’s the habit that counts
Just called, no answer.
I filled bankruptcy on a vehicle and when i did they put my motorcycle in with it since i was still paying on it but just found out it still shows on my credit that my motorcycle still has an open account with the finance company and says ive missed payments since last April, but its suppose to be under chapter 13 bankruptcy, I’ve went through some really tragic moments that damaged my credit but after meeting markenstech911 / I filled bankruptcy on a vehicle and when i did they put my motorcycle in with it since i was still paying on it but just found out it still shows on my credit that my motorcycle still has an open account with the finance company and says ive missed payments since last April, but its suppose to be under chapter 13 bankruptcy, I’ve went through some really tragic moments that damaged my credit but after meeting markenstech911 / I filled bankruptcy on a vehicle and when i did they put my motorcycle in with it since i was still paying on it but just found out it still shows on my credit that my motorcycle still has an open account with the finance company and says ive missed payments since last April, but its suppose to be under chapter 13 bankruptcy, I’ve went through some really tragic moments that damaged my credit but after meeting Samhackstechnology⏹Net, every negative items were deleted along with my BK Chapter 13, this changed my life and I am now in the 800 club with a clean reports and debt free. contact them using their website above for any credit problems.
This is so good thank you!!!!
I’m 21 do the lessons still apply?! Or should I just buy a new Xbox
I waste my thirty years but it’s never too late I wish I had a uncle like him 🤗my family are horrible with financial because no guides and now I am almost debt free but I will persuade my goals for the future.
Bitvest24 is a great investment, after buying their 7day plan and it was wonderful. there comes the little things that make it a darling: they give you a money-back guarantee that lasts for 60 days, which is pretty reassuring especially for first timers.
God. I will be watching this video everyday 🙏🙏🙏 so amazing
You play the drums?
What if were 30 tho
There you go i gave you my like and my comment .
Can you do a video about how to teach your kids about finances?
Love your videos Graham. Even though I’m sixty-two. Wish I had you in my ear when I was twenty but I still use your tips today
What little things should I buy with my credit card each month. For example, would buying 3 packs of gum every month suffice?
572 people couldn’t afford 1 like
Thanks for your comment.
Dm my account manager miss jeanita on how to make millions in bitcoin and stock trading and investment
+ 1*2*0*9*3*1*9*2*1*3*1
Make a podcast I would listen
I alwys say, whenever I feel like buying a new car, I calculate how much installments I’d have to at every month, and i will use that amount every month to invest. 10 years later, time to go helicopter shopping
I just got an ad for shoes and graham was in it
if I’m an us citizen but lived overseas my whole life, am I still eligible to open up a roth ira account?
I’m very happy and grateful about you Dumpscardingg you so adorable and trustworthy am doing this again and I am getting my cc from him **Dumpscardingg** on telegram you are the best I own you more business bro I gat you for life ✅✅
but what if you die young ? and all the good things you could have had in your live are lost….
From my experience, bitvest24 is a good investment for those who enjoy putting their money to work and allowing expert financial analyst help them invest. I like bitvest24 because there are many ways to earn despite not investing and a 100% money guarantee.
I discovered your YouTube channel today and I’m hooked 🤯🤝