6 Millionaire Habits I Wish I Knew At 20


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

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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.

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.

124 thoughts on “6 Millionaire Habits I Wish I Knew At 20

  1. Jodie Tan’s Story Reply

    Loved this!! And thank you so so much for putting this out for us. We really appreciate you

    • Graham Stephan Reply

      You are so welcome!

  2. Vimal V Reply

    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..

  3. Elaine Designs Reply

    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.

  4. Mike Yeah Reply

    Love you Graham! Best wishes!

  5. Solomon Hayes-Brown Reply

    How is this free?

  6. Bhilario Reply

    dang, I really understood the 1st concept with the bodybuilder metaphor

  7. CA Rachana Phadke Ranade Reply

    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

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  8. Gabriela Reply

    Hey I’m 20!

  9. Publius New York Reply

    thank you graham. Your vids have helped me shift my negative thinking. please keep doing what you’re doing.

  10. UZI Reply

    I’m 19, if I ever become a millionaire in the future, Graham will be have been my idol.

  11. 정종기 Reply

    notice how you didn’t hear “you need to go to college” hmmm

  12. Siem De Cleyn Reply

    “Anything crazy like riding a bike without a helmet”

    The Dutch: (⁄ ⁄•⁄ω⁄•⁄ ⁄)

  13. Piers Barnett Reply

    Investments are the stepping stones to success especially if you been guided by a professional broker or Investment manager.

  14. Higher learning 101 Reply

    Great explanation!!!!

  15. Black Mike Reply

    Is $17,000 a year below poverty line?

  16. Anthony Pitts Reply

    “Hits the like button just incase”

  17. Kenzies Dancing Daddy Reply

    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

  18. Jy Nguyen Reply

    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

  19. Jamis Delara Reply

    Always go back here to remind myself of my goal.

  20. Rose Mary Reply

    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

  21. Nadia - Instagram for Artists Reply

    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

  22. Kevin's Vlog Reply

    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 🤜🏼

  23. I am milan Reply

    I love your shameless plugs 😂

  24. Jonathan Chapman Reply

    Amazing video. Definitely needed to hear these things

  25. Jason Haymond Reply

    Smashed it, like always Graham.

  26. Michael Schroder Reply

    I wish I was you,

  27. ralph kay Reply

    Would like to see a conversation between him and Dave Ramsey

  28. Leeroy Castillo Reply

    I needed this video big thumb up 👍 thanks!

  29. Wendy Trish Reply

    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.

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      @Aryan Krishna Thanks for sharing her contact details I will leave her a direct message.

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    • willa estrada Reply

      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.

  31. JR Stock and Crypto Investments Reply

    OK so buy more Bitcoin and Altcoins, got it!

  32. Miguel Meza Reply

    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

  33. Miss Gucci Reply

    im 25 and wasted 5 years monkas

  34. J Stringer Reply

    Watching this at 29.8 years old… i still have hope

    • Jess Reply

      🤣Omg I’m 29.5 and the prospects don’t look good for me

    • J Stringer Reply

      @Jess 😂 you are doomed

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  36. Shadowgangster123 Reply

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  37. El chulu Christopher Reply

    I was the same way about Critic and it because our parents not knowing how critic works until you do your own research

  38. Jonathan Dominguez Reply

    Always hit that like button! 👍

  39. JCKD TV Reply

    Great info brother

  40. Red Samurai Reply

    You are one of my favorite YouTubers

  41. Ruby Jane Facurib Reply

    Thank u so much!

  42. Jack Kulinski Reply

    The worst fights/situations are the ones in your imagination.

  43. Mouth full Of gold Reply

    I bet a lot of people are gonna buy a credit card cause of this video and they’re gonna go stupid on it

  44. Tony Christensen Reply

    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

  45. William C. Fetter Jr Reply

    I started way too late. But i did it.
    Dave Ramsey helped me more than I can explain.

  46. Nicolai Korsmoe Reply

    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.

  47. Kuzhina e nuses Reply

    You’re such a good guy, such a good example! I love the way you speak!

  48. Gloria Macias Reply

    Ugh I love you so much

  49. Ivan Valencia Reply

    I normally don’t like, but this one warrants it

  50. Eddie Garcia Reply

    Thank you so much! Honestly I just clicked this video randomly not knowing it would impact me this much! So thank you!

  51. Rafael Rodriguez Reply

    Live like a peasant got it

  52. Roman Berezutskiy Reply

    I did not put a like. Here, at least I’m honest! Graham, your humor is great 🤪

    • Graham Stephan Reply

      I appreciate that!

  53. Roman Berezutskiy Reply

    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!

  54. George Li Reply

    Graham feels like a brother to me haha, Thank you so much!

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  56. Tairy Miranda Reply

    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.

  57. jason ruiz Reply

    don’t eat ramon noddles everyday😂 instead eat some chicken breast or something that won’t stop up your turds for a month

  58. Dr. Pepper Reply

    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!

  59. Pedro GF Reply

    I have news for you about bodybuilders and doughnuts…

  60. Nia Price Reply

    Great video!

  61. XShadesX Reply

    Brother I’m sorry but ur videos are to long I tune out after a few minutes

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  64. King Loudell III Reply

    Thank you very much!!! 💯

  65. MKFM Gaming Reply

    I’m 20 going to 21 in a few months and I have a 729 credit score and two open lines! So happy

  66. Laron Henderson Reply

    Where was this video and YouTube when I was 20? Smartphones weren’t even out yet

  67. Daniel Lan Reply

    Graham is a real one, smash that like button yall

  68. Financially Free Firefighter Reply

    Fantastic video. Couldn’t agree more with the statements and perspectives in here. Thanks again Graham!

  69. Christiaan Westerkamp Reply

    Wow. Number 3 rocked me to my core. Thank you!

  70. StarKreck Reply

    #3 is so important. That’s why I’m getting this youtube channel going.

  71. Anchor Down Boat Reply

    Smash the like button 👍

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  73. Roykinnia Cooper Reply

    Love this vid Graham

  74. Natalie Weinstein Reply

    #7 — MAX OUT YOUR 401 K!!!

  75. Julie Redman Reply

    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.

  76. Eli Reply

    the scam bots are insane

  77. SDSW TV Reply

    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.

    • Abdullah Bou hamdan Reply

      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

    • SDSW TV Reply

      @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.

    • Abdullah Bou hamdan Reply

      @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

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  79. HookupCulture Community Reply

    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

    • HookupCulture Community Reply

      Just called, no answer.

  80. Avina Agustin Reply

    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.

  81. Salvador Fregoso Reply

    This is so good thank you!!!!

  82. Crisco Reply

    I’m 21 do the lessons still apply?! Or should I just buy a new Xbox

  83. Antonio Rosales Reply

    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.

  84. Ruth Blair Reply

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  85. Chelsea Kelechi Reply

    God. I will be watching this video everyday 🙏🙏🙏 so amazing

  86. Legend of Eon Reply

    You play the drums?

  87. Hayden Schultz Reply

    What if were 30 tho

  88. Burn The Pharmacy Reply

    There you go i gave you my like and my comment .

  89. Ammonite Ashley Reply

    Can you do a video about how to teach your kids about finances?

  90. David and Sandy Hixson Reply

    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

  91. Matthew Gargus Reply

    What little things should I buy with my credit card each month. For example, would buying 3 packs of gum every month suffice?

  92. Mark Hein Reply

    572 people couldn’t afford 1 like

    • Graham stephan Reply

      Thanks for your comment.
      Dm my account manager miss jeanita on how to make millions in bitcoin and stock trading and investment

    • Graham stephan Reply

      + 1*2*0*9*3*1*9*2*1*3*1

  93. Clout Foam Reply

    Make a podcast I would listen

  94. Darryl Boo Reply

    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

  95. Dante Anderson Reply

    I just got an ad for shoes and graham was in it

  96. Ava Akhter Reply

    if I’m an us citizen but lived overseas my whole life, am I still eligible to open up a roth ira account?

  97. Wyatt Cody Reply

    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 ✅✅

  98. Siggi Borg Reply

    but what if you die young ? and all the good things you could have had in your live are lost….

  99. Michael Blake Reply

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  100. Juan Escareno Reply

    I discovered your YouTube channel today and I’m hooked 🤯🤝

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