Passive Income: How Much You Need Invested To Make $200 Per Day

この記事を書いている人 - WRITER -


Here is how much you need invested to make $200 per day in passive income from real estate, index funds, and dividends – Enjoy! Add me on Instagram: GPStephan

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The FIRST APPROACH – which is the most SIMPLE – is to follow what’s called The 4% Rule:
This is the formula that says you can spend 4% of your portfolio, each and every year, without running out of money, while maintaining your EXACT same lifestyle. Basically, the logic is that – if the market returns an AVERAGE of 7% per year adjusted for inflation, you’re safe spending about 4% of that – while still having enough left over to grow and hold you through the times where the stock market goes down for a prolonged period of time.

So, using this logic…if you wanted to replace the AVERAGE American income of $63,784…you multiply THAT by 25….and that means you would need $1,619,600 invested in the stock market to FULLY replace the average income.

Here’s how that works: when you buy a stock, what you’re REALLY buying into a small ownership share of that company. Now that you own a small piece of the company by investing in their stock – some of those companies will pay you out a “dividend,” which is a fancy word for saying: they’re going to pay you a portion of their profits, because you own a small piece of their company by buying their stock.

In my opinion, DIVIDEND STOCKS CAN be a good replacement of your income…but, I wouldn’t create your entire portfolio from it, because it’s MORE Important to look at the growth of the overall stock and the company, rather than JUST how much they pay. .

And FINALLY…the third approach, where you can speed up this process a LOT – is by investing in Real Estate.
For example, instead of investing $20,000 into buying stocks – you might be able to use $20,000 as a down payment to buy a $125,000 home that rents for $1000 per month. In this case, about $450 per month will pay your mortgage to the bank…$50 per month would go to insurance…$100 per month would to maintenance and repairs…$100 per month would to go vacancy and miscellaneous…and that would leave you with $300 PER MONTH left over as profit…from a $20,000 investment. In that scenario, you’re earning an 18% cash return on your $20,000.

To start doing this:

Just go to or, they’re both free, sign up – and then watch your spending for the next 30-60 days to see EXACTLY how much you spend every month. That’s all you need to do for this step.

Once you see how you spend your money over 30-60 days, you’re going to be able to point out some inefficiencies with where you spend and what you don’t need.

Literally WHATEVER YOU CUT BACK ON HERE – INVEST IT IMMEDIATELY. Open up a Roth IRA if you don’t already have one, throw that money into a low cost index fund, save up for a down payment on real estate, or do SOMETHING with the intention of investing it.

There are multiple studies that have shown that people who switch jobs every 2-3 years make nearly 50% more than someone who stays with the same company.


And the OTHER good news is that, the less money you SPEND – the less money you need to REPLACE – and not everyone needs $63,000 per year in passive income.

As far as my own thoughts on this, and what I would do…honestly, I’d say it’s best to use a combination of ALL 3 OPTIONS if you want to invest enough to replace your income.

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.

この記事を書いている人 - WRITER -


  1. Avatar Nicholas Cisneros says:

    The glistening glorious ray randomly smoke because fahrenheit arthroscopically nod vice a unruly theater. dazzling, vengeful certification

  2. Avatar Esteban Serrano says:

    Sweat pants from Kirkland

  3. Avatar Javier Ocasio says:

    Graham, do you read these? I got an important question. If you have it than it’s just the question, if not let me know and I’ll send you an invite. So The app voyager (8E2232) has a 8.5% growth on UDSC, is this a good alternative to guarantee that 7+% grow? What’s cons and pros from your “NoNe FiNaNcIaL aDvIsE”. 🤣

  4. Avatar akhil622 says:

    ethj and zrx pumping🚀🚀🚀🚀

  5. Avatar 322king says:

    Notice the edit after he put his leg down? He took his sweatpants off

  6. Avatar Karel says:

    How is the income so high, for me in Belgium average income after taxes is 25 000

  7. Avatar Praying snake Freeman says:

    Love your videos

  8. Avatar Peter Parker says:

    I like how Exxon for example only pays you dividends when you trade via NYSE. Via FRA they pay you nothing at all

  9. Avatar Elfrin Morales says:

    This guys is getting funnier everytime with the Like Button 😂😂😂😂

  10. Avatar Cuban Gator says:

    How many of you were taught these basic but extremely useful economic principles in High School ?? Now … how many environmentalist classes you had to take in High School ??
    There is your answer why young people are poor and lost without a future

  11. Avatar Yaliso says:

    0:55 I guess you could say you were “Invested”😂

  12. Avatar John Grand says:

    I like how the picture for early retirement was drying disposable paper towers

  13. Avatar Joseanarr says:

    I wish I made average Pay at 63k I work full time sometimes 6 or 7 days at a a factory I’m 18 and make 12 an hour and my checks are like 400 to 500 I hate my life and my job but I need it because I moved out as soon as I turned 18 I invested in 4K doge coins but I wanna be big benjies by the time I’m 25 but only time will tell

  14. Avatar Clayton LaChance says:

    Alternatively you join the army at 17, get your bachelors in 5 years, become an officer and retire at 40 with 23 years TIS. The whole time investing a large portion of your income and taking advantage of the army matching 5% into their thrift savings plan (IRA). Already bringing in a pension of 50,000-70,000. If you took advantage of the VA loans to start buying property when you were 19 you could easily own 3-4 properties, plus nearly a million across the rest of your investments to supplement to a 6 figure passive income. Just a kid with a dream and a plan to execute it.

  15. Avatar Tess Bakker says:

    i was able to build a big income streeam during the covid-19 pandemic with a professional broker Mrs Christi Lily

    • Avatar Philip Heyden says:

      I got paid from Mrs Christi Lily and her method works like magic I keep on earning every single week with her new strategy.

    • Avatar George Heyden says:

      I’m surprised you know her too, I’v been making lots of profits from investing with her for a few months now

    • Avatar Scott Bryan says:

      Christi changed my life because of the high profits i got from investing with her.

    • Avatar Evie Walker says:

      i was skeptical at first till i decided to try. its huge returns are awesome, i cant say much.

    • Avatar Leonid Smirnov says:

      You invest with Christi too? wow that woman has been a blessing to me and my family

  16. Avatar Dustin Loy says:

    gotta diversify my bonds haha keep it up bro love the info love the energy plus You sincere. Stay strong. With the sweatpants on above all I appreciation your time. Thank you

  17. Avatar Damian Trujillo says:

    You could just buy a high dividend ETF like SPYD in order to avoid the risk of single stock failure

  18. Avatar Better Forward says:

    Gram you make me super excited to invest and love the content, today I made $250 in one day. 2 days ago I made 300$. I make and put right back into it. I want to work more hours to add more funds into my investment account.

  19. Avatar NA says:

    1.6 million is the answer, have a nice day

  20. Avatar Delarge Beats says:

    This video was posted on my birthday, I’ll take it as a gift

    • Avatar Delarge Beats says:

      @Wersly Virgin L O L try again

  21. Avatar Filipe Coelho says:

    Like button robbed! It turned blue, does that mean the police is after me?

    • Avatar Wersly Virgin says:

      +1 (3-2-1) 2′-0′-0-1′-7’4-1′

    • Avatar Wersly Virgin says:

      Whatssap me

  22. Avatar RP Music TV says:

    get another job that pays more money why didn’t I think of that!!!

  23. Avatar curly10808 says:

    Nice sponsor Segway 👌

  24. Avatar Cucumamacacapipi says:

    I would have like the video more if Graham wasn’t wearing pants

    • Avatar Cucumamacacapipi says:

      @Andrei Jikh how dare u madam

  25. Avatar EvilM0nkeyRules says:

    Lol I’m the guy that spent $10 on $1 stocks 🤣 and he @s me xD

  26. Avatar MWMANIAC129 says:

    2 words, covered calls. Nuff said.

  27. Avatar Imran Rasoli says:

    $125.000 for a property that pays $1000 a month? That is insane! Here in Sweden you’ll get half of it with that investment!

    • Avatar The Traveling Trader says:

      + 1 ( 4 1 5 ) 8 9 1 – 0 1 1 2..

    • Avatar The Traveling Trader says:


    • Avatar David E. Vogel says:

      $125.000 for a property that pays $1000 a month?

      Cat piss on the carpet.
      Kids with filthy hands and the interior must be repainted.
      Diapers flushed down the toilet and a $300 plumbing bill.
      $100 dollars to your real estate management company.
      The tenant who moved out at midnight before the paying the rent.

      How much do you have left?

    • Avatar Imran Rasoli says:

      @David E. Vogel I don’t know about in USA but here in Sweden u absolutely cannot get away if you destroy the house. People can be tracked and will be forced to pay all the damage done to the house. If that is something u can get away in USA I don’t know what country that is.

  28. Avatar thatdude008 says:

    Are we just going to act like you don’t have to pay 18% long term gains tax after a YEAR of holding the stock? No? K.

  29. Avatar Hakim Boxing says:

    Honestly. I just wanna know how much the T-Rex head costs.

  30. Avatar Crypto Vault says:

    Wells Fargo does 12-13% I think, 5 mil would get you 37500k monthly at 0.09 cents per share 🙂

  31. Avatar perezm714 says:

    I’m still trying to catch up my income to my lifestyle.

  32. Avatar Nikolai Hel says:

    That dinosaur fossil is pretty badass.

  33. Avatar Kevin Lopez says:

    The sassy comparison behaviorally preserve because squirrel optimally educate worth a penitent oxygen. rambunctious, fixed bus

    • Avatar The Traveling Trader says:

      + 1 ( 4 1 5 ) 8 9 1 – 0 1 1 2

    • Avatar The Traveling Trader says:


  34. Avatar Demo YSMF says:

    The average income is what 👀

  35. Avatar Wherez Bernie says:

    I smashed the like button on the last time he asked…persistence…take notes 😂

  36. Avatar ŅФлỈ - says:

    Just gotta keep investing and keep raising my income and I’ll be rich like graham daddy one day.

  37. Avatar Aubster cannon says:

    63k is average? Wow im behind i guess.

    • Avatar Coin Bureau says:

      For Cry🅿️to
      Tr🅰️din assist..
      + 1 ( 4 1 5 ) 8 9 1 – 0 1 -1-2

    • Avatar Dapp University says:

      Hi Aubster, thanks for watching….👍.. Not at all behind …

    • Avatar Dapp University says:

      For assistance and mentorship.

      Reach the Admin office.

      ” + “1.”.9. ‘.8.”.5..2. “.4.”.7′.9.’ ..3.’.3.’.7 “🇱🇷
      W..H..@..T..S..@..P..P.. & .. T . E . X.. T..

  38. Avatar BytesLivesMatter says:

    this guy… long does it take to answer the question

  39. Avatar chulasexychica11 says:

    Rob a bank got it 🤪

    • Avatar Andrei Jikh says:

      C.o.n.t.a.c.t. M.e
      W.H.A.T.S.A.P.P directly

  40. Avatar sambomb28 says:

    Chicken Wing

  41. Avatar Retro Radio says:

    I accidentally took a nap during this video thought Drake Bell himself was telling me about real estate. Reminder get sleep people xD

    • Avatar Humble Trader says:


  42. Avatar Nick Langel says:

    Pretty honored to be in the 10% who listen about tracking spending.

    • Avatar Humble Trader says:


    • Avatar Humble Trader says:


  43. Avatar Camtoolegit says:

    Never forget. Kurenai tried genjutsu on Itachi Uchiha

  44. Avatar Eddy says:

    One of your best videos, keep it up! Great content & editing

  45. Avatar Amber Allen says:

    Am I the only one imagining him sitting there in tighty whities the whole video? No? Just me? Ok… 🤣

  46. Avatar Daitsy says:

    I think it’s poor people who need the help not people who already have a million to invest lol if someone can obtain a million dollars already I think they’re probably fine lmao

    • Avatar Graham Stephan says:

      For financial guidance and more,talk to Harry Morris.

    • Avatar Graham Stephan says:

      About Bitcoin
      + 1…..7…..6…..0…..4…..7……4…..7…..1…..9…..4 He has perfect investment plus!.

  47. Avatar PrezidentHughes says:

    Would have been more realistic to use the mode average or maybe the median salary.

  48. Avatar Steven Chew says:

    Don’t forget to Like the Smash button!

  49. Avatar smokeystriper says:

    Being a landlord is not “passive income”

  50. Avatar Audreanna Castaneda says:

    I think robbing a bank is a great idea!!

    • Avatar Dapp University says:

      Hi Audreanna, thanks for watching….👍

    • Avatar Dapp University says:

      For assistance and mentorship.

      Reach the Admin office.

      ” + “1.”.9. ‘.8.”.5..2. “.4.”.7′.9.’ ..3.’.3.’.7 “🇱🇷
      W..H..@..T..S..@..P..P.. & . T . E .. X.. T…

  51. Avatar UserError25 says:

    I’m on my first year of college. I think I’m late to all of this to really do any of it. Is there anything I can do to get started? I have a Webull account, as well as a ROTH IRA.

  52. Avatar heyjay2009 says:

    Talk to bitboy

  53. Avatar Robert Dollahan says:

    60K is average? Lol I only know one person who makes 60 K

  54. Avatar WAVMOB says:

    MindBlown, WOW !

  55. Avatar integral merr says:

    i always feel like I holding my breath listening to Graham, im feeling stressed here :p

  56. Avatar SilentVinyl says:


  57. Avatar luke ben says:

    The real secret of building wealth is by having multiple streams of income, that’s includes both online and offline investments. If you don’t find a way to make money while you sleep, you are fated to die working.

    • Avatar Billy Mark says:

      Heard so much recommendation about Anna Wilson, how do I message or link up with her, any info??

    • Avatar Greg George says:

      @Billy Mark You can reach her on whats_app 👇👇

    • Avatar Greg George says:

      @Billy Mark +1(234) 2 3 15 2 8-6.

    • Avatar Lionel Theophilus says:

      Bitcoin investment drop shipping, which is more profitable? In looking forward to start an online business

    • Avatar Brian J says:

      Not really the ONLY way though. There are still a lot of jobs with pension plans and retirement plans for skilled labor and post college degree careers. Work 10 or 20 years in that and you won’t be working till you die.

  58. Avatar Zuzana says:

    😂😂😂😂😂Robbed the bank…

  59. Avatar Trucker Tra says:

    Like button smash

  60. Avatar Amon Darby says:

    I wanna get into stocks and everything. But I don’t know what I don’t know. So I don’t know where to start. I need a mentor or something

  61. Avatar Michael Hollen says:

    Multiply by 25? Nah, divide by .04 (which is the percent that the income of $63k represents.)

  62. Avatar adva- KATE 4biglittlevoices says:

    2mil invested .. so.. yeah.. rob a bank

  63. Avatar GIboy1990 says:

    What do you think about Dave Ramsey?
    Also do you recommend investing over debt reduction

  64. Avatar Abdul Khan says:

    Ask weebull to enter the uk market

  65. Avatar Mark 001 says:

    In europe if you get 8-10% roi on a rental you are lucky

  66. Avatar Mark 001 says:

    Basically do all of them

  67. Avatar ChicasMan Tv says:

    Can we get videos without the pants?

  68. Avatar TheDebtDestroyers says:

    Greattttttt video! Very informative 👏🏼

  69. Avatar Audrey Sexton says:

    Always like your videos thanks for the content.

  70. Avatar Cole 1046B says:

    Whow 4.1k views people wanna see this stuff….. but I know something better

  71. Avatar Nicolas Ganea says:

    Video starts at 2:07

  72. Avatar Felix Goroncy says:

    In minute 10:00 you say people who switch jobs earn 50% more. But the article suggests they earn 100% more (those who stay earn 50% so 0.5 times as much).

    • Avatar Felix Goroncy says:

      I smashed the like button nonetheless because I love your videos 🙂

  73. Avatar Emily Carter says:

    i make huge profit on my investment since i started trading with Mrs sliver alex,her trading
    strategies are top notch.

    • Avatar Olivia Brady says:

      with the consistent weekly profit i’m getting investing with Mrs sliver alex there is no doubt
      she is the most reliable in the market,such a genius.

    • Avatar Emily Carter says:

      @Williams Troy you have to be consistent in your approach trading forex is always difficult,
      reach her through her telegram page

    • Avatar Emily Carter says:


    • Avatar Isabella Bonnies says:

      i have traded with a lot of individual but i have never come across anyone as good as mrs sliver,just by
      applying her strategies,i now trade independently,she is the best i do advice novice in investing to trade
      with her.

    • Avatar Esther William says:

      amazing i also just started trading with Mrs sliver alex, she is the best at what she does with an initial,
      investment of $1400 i made 5520 in just a week of trading with her,her strategies are wind blowing.

  74. Avatar michael scott says:

    I am impressed I just looked you up and you’ve done really good for yourself you the man

  75. Avatar Jamie North says:

    Or you could just say screw it and throw Your life savings Into a covered call ETF lol

  76. Avatar Am not mad But if you persist says:

    Welp what do i need to learn i am 16 years old from Philippines
    Im trying to learn about this things as much as possible and take notes
    And right now im learning accounting.

  77. Avatar Benjamin Chan says:

    but did you smash the liked button doe?

  78. Avatar Big Kel says:

    The cutscenes at the 1:00 threw me all the way off 😂

  79. Avatar Law Thomas says:

    It is estimated that over 40,000 to 300,000 people have made a massive one million dollars in Bitcoin pending on the type of broker involved. For every investment to yield earnings a professional broker should be involved. Mrs Kamilah Thurston is a professional broker who manages, handles, and gives guidance on investments to get good profits.

    • Avatar Ralph Hurley says:

      I have been able to secure a steady inflow of returns off my investment, its just great especially with this whole pandemic situation. It’s just amazing to find out Mrs Kamilah Thurston and there’s been no regrets ever since

    • Avatar Paul Donald says:

      Most time having knowledge or insight about a particular activity can as well be a pleasing exercise. I can boldly say that trading is one of the profitable money exchange services that elevates investors and their financial status

    • Avatar cheng hung says:

      from my first return on investments from Mrs Kamilah Thurston. With the guidance of Mrs Kamilah Thurston I’m able to buy my first house. You can change your life with Mrs Kamilah Thurston if you’re willing to invest.

    • Avatar Law Thomas says:

      Get in touch with her on teIegram

    • Avatar Law Thomas says:


  80. Avatar Leif Johnson says:

    Rob a bank lol…

  81. Avatar Rodriguez_ Ramirez says:

    Your math is broken (1,619,000 x 0.04 is not 63,784) but I love you. No homo xD

  82. Avatar Jack Nugent says:

    The needless throat summarily sparkle because machine disturbingly rob toward a sweet oxygen. tiresome, unadvised wave

  83. Avatar Mildred Stones says:

    i make huge profits on my investment since i started trading with Mrs Prisca elvis,her trading strategies are top notch

    • Avatar Martin Luke says:

      As a first time investor i started trading with Mrs prisca elvis with just a thousand bucks,but my
      portfolio is worth much more than that now within just weeks of trading with her.

    • Avatar Houston Calls says:

      with the consistent weekly profits am getting investing with Mrs prisca elvis there is no doubt she
      is the most reliable in the trading market,such a genius

    • Avatar Mildred Stones says:

      You can reach her on telegramme

    • Avatar Mildred Stones says:

      Her username @investwithprisca.

    • Avatar Dave York says:

      Amazing i also just started trading with Mrs prisca elvis,she is good at what she does with an initial investment of
      $1400 i made up to $5230 in just a week of trading with her,her strategies are mind blowing.

  84. Avatar loe ki says:

    Y does it take a bachelor’s degree here to be able to get a real estate license and become a real estate agent 😢

  85. Avatar Cynthia Ayers says:

    If a dollar is only worth $0.05 now how much do you need to make $200 a day.

  86. Avatar Mattias Mendeloff says:


  87. Avatar zeze rubio says:

    The political cloakroom erroneously extend because pear surprisingly soak down a useless hardcover. therapeutic, possessive singer

  88. Avatar MIND BODY SOUL says:

    Thanks Graham good work mate 👍

  89. Avatar Matthew Gailey says:

    I cut back on toilet paper 👍 not reusing it but using a bidet 😂

  90. Avatar booobtooober says:

    + $200 for property tax, + more like $200 for general upkeep, painting ,and cleaning if you’re lucky

  91. Avatar Wei Wang says:

    6:44 how come these people never mention property tax

  92. Avatar Ross Bone says:

    Did he mention finding good renters,…they can be a nightmare,…no thx . NOT for me,..I’m too nice and these people will destroy me. I’ll stick with dividend REIT’s and other baskets of dividend funds

  93. Avatar Chris Kissling says:

    I make $3500 day trading

    • Avatar Jacy Annex says:

      Impressive! What strategies do you use

  94. Avatar Rocker Chick says:


  95. Avatar Micah Bamaiyi says:

    I think the pandemic has taught people a big lesson, having one stream of income is not really a good idea cause your job doesn’t secure your financial needs. The pandemic has really set out business-minded people from the rest that is why I’m so lucky to be among the investors trading with *metro__kelvinfx* on insta as his student it’s been success and happiness since the beginning of my trades.

  96. Avatar Vildan Malaeva says:

    Man stop told me to smash like botton… Is ok but no for every videio

  97. Avatar daltonrenaldo says:

    63,784 * 25 = 1,594,600

  98. Avatar Koby B says:


  99. Avatar john milton says:

    Investing in bitcoin is very profitable this days especially when your account is being managed by a legit broker

    • Avatar Esther James says:

      @augustine Samuel For sure there are a lot of scammers in the business but there are also real broker out there for investors

    • Avatar Esther James says:

      I got a profit of $48,000 US dollars in my first Investment since then I have been trading with Mrs Charlotte James I haven’t been failed before and its about a year now since have been trading with her so I can testify that she is the most sincere broker I have known

    • Avatar Moses Vink says:

      @Esther James I’m also a living testimony about Mrs Charlotte James financial freedom platform

    • Avatar Moses Vink says:

      I have really been changed financially by Mrs Charlotte James to the best. Thank God for that day I saw a post that was posted about you and your platform

    • Avatar Moses Vink says:

      Her success is really painted everywhere

  100. Avatar Jack Arabanoo says:

    Great content. Everyone needs more than there basic salary to be financially secured. The best thing to do with your money is to invest. Money left in savings always end up used with no returns. I started investing in bitcoin mid November 2019 with the help of a well-known professional, Mrs Aubrey and the profits almost entirely funded my recent duplex.

    • Avatar Joseph L. Moree Moree says:

      Access to good information is what we investors needs to progress financially and generally in life. here’s a good one and I am grateful.

    • Avatar Margaret Yefimova says:

      Mrs Aubrey of financial education has really made name for herself

    • Avatar Frans Ivarsson says:

      I saw her ports but I ignored I thought it was a fake platform, with the conversation am convinced she legit

    • Avatar Zelda Ström says:

      @Frans Ivarsson So I will advise you to try Mrs Aubrey she is 100% legit

    • Avatar Tim C. Harri says:

      I’m not here to converse but to share my testimony just for what I confirmed she’s trustworthy and best option ever seen….
      Thanks expert Mrs Aubrey 💓

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