Here is exactly how to build wealth in your 20s, how to invest in 2021, and the best stocks / real estate / index funds to research for the rest of your life – Enjoy! Add me on Instagram: GPStephan
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FIRST: BUILD YOUR CREDIT SCORE
Those 3 numbers will dictate whether or not you get an apartment, are allowed a mortgage, get a car loan, have a low interest rate, or even PASS A JOB APPLICATION. So to do this:
– Go and apply for a free Discover It Secured Credit Card online.
-Sign up for a free credit monitoring website
-Wait 6 months and apply for a second no annual fee card
-Get a Charge Card
-Profit
SECOND: GET AS MUCH JOB EXPERIENCE AS POSSIBLE
I believe that your 20’s are REALLY such a good time to take a LOT of risk, try new careers, be as BUSY as possible, and THEN – see what sticks. Every job is going to give you a different skill set, that you can THEN leverage into your next position…while, each time you try something new, you’re going to learn what you like, what you don’t like, what you’re good at, what you’re BAD at – and, from there – I nearly guarantee you’ll make more money as a result.
THIRD: START A BUSINESS
The best way to make a ton of money and become wealthy, is by starting a business, and have that business be mobile. EVEN IF IT FAILS, or if you make NO MONEY from it – I promise, it’ll be one of the most valuable learning experiences you can get, and it’ll bring you SIGNIFICANTLY more life perspective than someone who has NOT run their own business. It’s something I like everyone should try at least ONCE, and your 20’s is the perfect time to do so.
FOURTH: INVEST EVERYTHING, IMMEDIATELY
THEN…in terms of WHAT to invest in…PERSONALLY…I would invest in equities, which include individual stocks, or a broad index funds likem VFIAX or VTSAX that covers it all. Just buy solid, long term stocks and index funds, and then don’t look at the the prices or sell for 30 years.
FIFTH: LIVE LIKE YOUR BROKE
I’ve said this before, but your 20’s are a free-pass to live like your broke, because no one expects you to have anything, anyway. You can live with your parents, you can live with room mates, you can drive an old car, you can be super cheap, you can live in a less desirable part of town…and NO ONE CARES.
SIXTH: MAKE SURE TO CREATE MULTIPLE STREAMS OF INCOME.
When 65% of millionaires have 3 or MORE sources of income…I would take that Into consideration, and do your best to DIVERSIFY as much as you can.
SEVENTH: STAY AWAY FROM BAD DEBT.
For myself, the ONLY debt I consider acceptable is a low interest rate mortgage, a business loan, or anything that actively makes you more money than what you pay in interest..if your debt doesn’t fall in THAT category, or you don’t absolutely NEED it…get rid of it.
EIGTH: STAY HEATHY
I’ve found that I do my best, most energetic, and productive work when I get a good night of sleep, I eat healthy, and I go to the gym on a regular basis.
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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. This is not investment advice. Public Offer valid for U.S. residents 18+ and subject to account approval. There may be other fees associated with trading. See Public.com/disclosures/
Whats up Graham, it’s guys here -> Immediate Like 🙂
This is actually really good advice
Wait… did you say ”what’s up graham, it’s guys here” haha
what’s up graham its guys here 😂L
LMAOOO I lost it at Dink Doink. WTF is even that . . . .Oh another shitcoin lol
I get such GREAT service every time I go to the *850 FINANCIAL ASSESSMENT* and the IRS is SO wonderful to work with. I DEFINITELY want the Government in charge of my Social Credit Score! This couldn’t possibly be misused in ANY way! All the data breaches that the VA has had makes me confident that my data would be TOTALLY safe!
What if I am going to be a doctor and will have to go to school for 12 years in order to be a licensed physician and will accumulate 200k plus debt throughout the process any advice
@Jelly Ong long road with no financial help
@SEVR FENDI wish the best for you
@Jelly thx bro i personally think is worth it I’ll be making 300k+ pre taxes
That’s good at least
@Jelly yeah
At 34 years old I finally feel ready to settle down long enough to buy a house. Unfortunately due to previous horrible stupid life decisions, I’m forced to start with a zero balance in my savings account. On the bright side, the huge amount of debt – consequence of those bad decisions will be payed off next month! 🥳 It’s never too late to start saving like there’s no tomorrow, and I’m really REALLY excited and motivated. Oh and Graham, fyi my emergency fund is also a done deal! by *Linux Tech Corps* team lol, i didn’t made it myself
im 18 and alr have a score of 719
How to build wealth: Borrow money.
*cuts video off*
Personally I watched this at “perfect timing.” This was the best advice I’ve received in a while. Thank you Graham!
Personally I watched this at “perfect timing.” This was the best advice I’ve received in a while. Thank you Graham! I needed this
Thanks for comments dont forget to hit the subscription button
*+①④①②⑥⑨⑤⑥③④⑨……*
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Nice watch!
I’m 20 and I have never owned a credit card nor am I in debt. I just applied for the discover credit card and was denied. Why is that? Anyone know?
What’s up Graham it’s Guys here
After watching this I did most of what he said, i opened a roth ira also started my courses to get a real estate license and also got a credit card that im keeping at a 30% maximum utilization so wish me luck every1 ill lyk how things go.
Hello, Thanks for the response, for *stock investments, cryptocurrency investments, Account Management* relate with *My investment advisor*
*•W •H •A •T •S •A •P*
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You don’t need all those credit cards
in the intro, he said “what’s up graham its guys here”
Ford GT nice 👍🏽
Best advice I’ve ever gotten
Intro: What’s up Graham, guyz here.
😂 😂 😂
Which IRA would you recommend graham?
“What’s up Graham it’s guys here” 😭😭
Thanks for comments dont forget to hit the subscription button
*+①④①②⑥⑨⑤⑥③④⑨…*
*=W=H=A=T=S=A=P= M=E….*
Do you have any videos that teach how to Invest?
The day after I turned 18, I invested 1500$ into my Roth IRA in a Mutual Fund with all stocks… too risky?
Reach Mrs Sonia she will help you out with the question she did so for me too
Facebook
Sonia. C. Warren
When you invest you’re buying a day you don’t have to work
The rich stays rich by spending like the poor yet investing while the poor stays poor by spending like the rich yet not investing
@Allison matt
I would love to meet her if that’s possible, if not possible it’s also cool
@Samantha Blondel
Facebook 👇
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@Allison matt thanks
im 19, just checked my credit score and its 990! WTF!
Thank you Graham I really want to take my life seriously and this helps loads
Thank you, I’m a college student I’ll be using this to help me grow
This guy looks like Elon Musk 😎
Thanks for comments dont forget to hit the subscription button
*+①④①②⑥⑨⑤⑥③④⑨……*
*=W=H=A=T=S=A=P= M=E….*
“What up Graham it’s guys here”
It’s not about how much you work it’s about how much you save lifestyle inflation he’s so right love this channel
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How do you set up a roth ira
🙌
Hey What happened to your we bull?
What’s up graham it’s guys here?😁 That was funny. Only the second time I heard you say that,I think.😉
You’re lookin kinda thick lately. Gettin kinda buff. You working out now?
Died when I saw Ramsey with the credit card
just watched this video, brb pumping 10k in some shitcoin and hope
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Awesome!!
90% of startups fail? Those are pretty good odds, that means if you start 10 startups one will succeed. That could happen in just a handful of years. Keep going and you could have a few successful startups by the time you’re ready to retire.
You know how investing at 20 versus investing at 25 could mean a difference of millions by retirement? The same is true for time. Starting a business at 20 versus 25 could mean the difference between an empire and a village.
Hello I’m new to forex and I have been making a very huge loses, I’ve see alot of people earning from it can someone please tell me the best strategies to use… or what to do?..
Expert Mr Pierre has brought me out of the wrenches and to a better living through trading option, I encourage newbies to trade with him.
Yes I can tell you that I’m a testimony. I was so sad after receiving the first payment knowing that I invested so low.
Wow! I can brag about this… Mr Pierre has managed my account in such a way that winning is the only standard that I know.
Trade with him and always remember to share the testimonies with others. Let’s promote him the more.
Hey you are not far from making profit, he has taken care of my account for months now….I have 16wins and 0 losses ever.
Thoughts on NFTs?
Right now I’m at 720 @19 I’m going for 800 before i turn 20🙏
At 34 years old I finally feel ready to settle down long enough to buy a house. Unfortunately due to previous horrible stupid life decisions, I’m forced to start with a zero balance in my savings account. On the bright side, the huge amount of debt – consequence of those bad decisions will be payed off next month! 🥳 It’s never too late to start saving like there’s no tomorrow, and I’m really REALLY excited and motivated. Oh and Graham, fyi my emergency fund is also a done deal! by *Linux Tech Corps* lol, i didn’t made it myself
I stumbled across your video and instantly knew this was made for me. I’m going through the same thing with my business but just knowing that I’m not the only one who’s experienced this just pushes me to go harder. Continue to put out informational content and sharing your story, THAT is what separates you from the rest. Much gratitude Graham and *Linux Tech Corps* was so helpful during the process of boosting my credit ..
Great video! I have a question, I have two fraud inquiries on my reports that I would like to get removed. I’ve seen your video regarding this, but Im still a bit confused. So I know my first step would be making a call with the credit bureau (Experian) but should I also make call what time? And would I be never stop sending a good compny Linux Tech Corps to my friends and people I know regarding any credit situations ….
I stumbled across your video and instantly knew this was made for me. I’m going through the same thing with my business but just knowing that I’m not the only one who’s experienced this just pushes me to go harder. Continue to put out informational content and sharing your story, THAT is what separates you from the rest. Much gratitude Graham and *Linux Tech Corps* was so helpful during the process of boosting my credit
Thank you for the video! I have had a passion for credit repair for a long time and I’ve helped a couple of people. I’ve even thought about starting my own business. Listening to you and seeing your passion has lit a 🔥 in me and learning from and using *Linux Tech Corps* . I have watched this video a few times just as motivation. I call it my “Victory Lap” video because you are spreading Nips message by following it! Thank you and keep pushing! Proud of you! …..
I stumbled across your video and instantly knew this was made for me. I’m going through the same thing with my business but just knowing that I’m not the only one who’s experienced this just pushes me to go harder. Continue to put out informational content and sharing your story, THAT is what separates you from the rest. Much gratitude Graham and *Linux Tech Corps* was so helpful during the process of boosting my credit …
When trying to get late payments removed on an active account, if it cannot be verified by the bureaus, do they remove that late payment and show on time payment for that month, show no information available for that month, or delete that account off the credit report? I want to get my late payment history corrected but not sure how disputing with the credit bureaus affects the active account if they cannot verify the information to be accurate, I wouldn’t have been able to take them off if not me meeting *Linux Tech Corps* ..
Great video! I have a question, I have two fraud inquiries on my reports that I would like to get removed. I’ve seen your video regarding this, but Im still a bit confused. So I know my first step would be making a call with the credit bureau (Experian) but should I also make call what time? And would I be never stop sending a good compny Linux Tech Corps to my friends and people I know regarding any credit situations …..
When trying to get late payments removed on an active account, if it cannot be verified by the bureaus, do they remove that late payment and show on time payment for that month, show no information available for that month, or delete that account off the credit report? I want to get my late payment history corrected but not sure how disputing with the credit bureaus affects the active account if they cannot verify the information to be accurate, I wouldn’t have been able to take them off if not me meeting *Linux Tech Corps*
VERY well done ! I say this with 40+ years in mortgage finance & banking working with credit bureaus. Different models and parameters are used by different industries but *Linux tech corps* info is pretty much universal. If you’re trying to max your credit scores, there is a happy medium between too many credit cards and none. Too many cards with zero balnce may actually hurt you in some cases. Even if you do not use them, you have a potential. To always pay cash & still have cards doesn’t help your scores as well ..
Thank you for the video! I have had a passion for credit repair for a long time and I’ve helped a couple of people. I’ve even thought about starting my own business. Listening to you and seeing your passion has lit a 🔥 in me and learning from and using *Linux Tech Corps* . I have watched this video a few times just as motivation. I call it my “Victory Lap” video because you are spreading Nips message by following it! Thank you and keep pushing! Proud of you! ….
Great video! I have a question, I have two fraud inquiries on my reports that I would like to get removed. I’ve seen your video regarding this, but Im still a bit confused. So I know my first step would be making a call with the credit bureau (Experian) but should I also make call what time? And would I be never stop sending a good compny Linux Tech Corps to my friends and people I know regarding any credit situations ……
VERY well done ! I say this with 40+ years in mortgage finance & banking working with credit bureaus. Different models and parameters are used by different industries but *Linux tech corps* info is pretty much universal. If you’re trying to max your credit scores, there is a happy medium between too many credit cards and none. Too many cards with zero balnce may actually hurt you in some cases. Even if you do not use them, you have a potential. To always pay cash & still have cards doesn’t help your scores as well
Yea Navy federal gave me a really high limit. I applied and was denied at first so I got a *Linux Tech Corps* service , and I was approved for a capital one. The limit was so small lol but I took it and worked on it. Because if that it helped my credit and I believe that’s what made me finally get approved for navy fed with such a high limit. they’re still working on increasing the capital one since it was so low. All in all I’m satisfied. ..
Yea Navy federal gave me a really high limit. I applied and was denied at first so I got a *Linux Tech Corps* service , and I was approved for a capital one. The limit was so small lol but I took it and worked on it. Because if that it helped my credit and I believe that’s what made me finally get approved for navy fed with such a high limit. they’re still working on increasing the capital one since it was so low. All in all I’m satisfied.
Graham – may I suggest you make *Linux tech corps* correlating this to the United States Credit Scoring System; you know, the system where an entire nation’s people are enslaved by their government over systems exactly like this? We need people who have influence to bring to light these types of correlations to get people asking and thinking or we will see ourselves slip into a tyrannical nightmare. ..
Thank you for the video! I have had a passion for credit repair for a long time and I’ve helped a couple of people. I’ve even thought about starting my own business. Listening to you and seeing your passion has lit a 🔥 in me and learning from and using *Linux Tech Corps* . I have watched this video a few times just as motivation. I call it my “Victory Lap” video because you are spreading Nips message by following it! Thank you and keep pushing! Proud of you! …
Great video! I have a question, I have two fraud inquiries on my reports that I would like to get removed. I’ve seen your video regarding this, but Im still a bit confused. So I know my first step would be making a call with the credit bureau (Experian) but should I also make call what time? And would I be never stop sending a good compny Linux Tech Corps to my friends and people I know regarding any credit situations …….
Graham – may I suggest you make *Linux tech corps* correlating this to the United States Credit Scoring System; you know, the system where an entire nation’s people are enslaved by their government over systems exactly like this? We need people who have influence to bring to light these types of correlations to get people asking and thinking or we will see ourselves slip into a tyrannical nightmare.
Thank you for the video! I have had a passion for credit repair for a long time and I’ve helped a couple of people. I’ve even thought about starting my own business. Listening to you and seeing your passion has lit a 🔥 in me and learning from and using *Linux Tech Corps* . I have watched this video a few times just as motivation. I call it my “Victory Lap” video because you are spreading Nips message by following it! Thank you and keep pushing! Proud of you! ..
Great video! I have a question, I have two fraud inquiries on my reports that I would like to get removed. I’ve seen your video regarding this, but Im still a bit confused. So I know my first step would be making a call with the credit bureau (Experian) but should I also make call what time? And would I be never stop sending a good compny Linux Tech Corps to my friends and people I know regarding any credit situations …
When referencing corporate America, he said “They don’t really care about you as they make it seem” realest thing he said…I’ve seen & experienced it first hand in the DMV. Black ppl aren’t really respected in corporate America. Glad that my brother was able to get out of debts & bad credit to become his own boss 💪🏽 by using *Linux tech corps* .. ..
Thank you for the video! I have had a passion for credit repair for a long time and I’ve helped a couple of people. I’ve even thought about starting my own business. Listening to you and seeing your passion has lit a 🔥 in me and learning from and using *Linux Tech Corps* . I have watched this video a few times just as motivation. I call it my “Victory Lap” video because you are spreading Nips message by following it! Thank you and keep pushing! Proud of you!
Great video! I have a question, I have two fraud inquiries on my reports that I would like to get removed. I’ve seen your video regarding this, but Im still a bit confused. So I know my first step would be making a call with the credit bureau (Experian) but should I also make call what time? And would I be never stop sending a good compny Linux Tech Corps to my friends and people I know regarding any credit situations ..
I stumbled across your video and instantly knew this was made for me. I’m going through the same thing with my business but just knowing that I’m not the only one who’s experienced this just pushes me to go harder. Continue to put out informational content and sharing your story, THAT is what separates you from the rest. Much gratitude Graham and *Linux Tech Corps* was so helpful during the process of boosting my credit …..
Great video! I have a question, I have two fraud inquiries on my reports that I would like to get removed. I’ve seen your video regarding this, but Im still a bit confused. So I know my first step would be making a call with the credit bureau (Experian) but should I also make call what time? And would I be never stop sending a good compny Linux Tech Corps to my friends and people I know regarding any credit situations
When referencing corporate America, he said “They don’t really care about you as they make it seem” realest thing he said…I’ve seen & experienced it first hand in the DMV. Black ppl aren’t really respected in corporate America. Glad that my brother was able to get out of debts & bad credit to become his own boss 💪🏽 by using *Linux tech corps* ..
At 34 years old I finally feel ready to settle down long enough to buy a house. Unfortunately due to previous horrible stupid life decisions, I’m forced to start with a zero balance in my savings account. On the bright side, the huge amount of debt – consequence of those bad decisions will be payed off next month! 🥳 It’s never too late to start saving like there’s no tomorrow, and I’m really REALLY excited and motivated. Oh and Graham, fyi my emergency fund is also a done deal! by *Linux Tech Corps* lol, i didn’t made it myself ….
When referencing corporate America, he said “They don’t really care about you as they make it seem” realest thing he said…I’ve seen & experienced it first hand in the DMV. Black ppl aren’t really respected in corporate America. Glad that my brother was able to get out of debts & bad credit to become his own boss 💪🏽 by using *Linux tech corps*
At 34 years old I finally feel ready to settle down long enough to buy a house. Unfortunately due to previous horrible stupid life decisions, I’m forced to start with a zero balance in my savings account. On the bright side, the huge amount of debt – consequence of those bad decisions will be payed off next month! 🥳 It’s never too late to start saving like there’s no tomorrow, and I’m really REALLY excited and motivated. Oh and Graham, fyi my emergency fund is also a done deal! by *Linux Tech Corps* lol, i didn’t made it myself …
I stumbled across your video and instantly knew this was made for me. I’m going through the same thing with my business but just knowing that I’m not the only one who’s experienced this just pushes me to go harder. Continue to put out informational content and sharing your story, THAT is what separates you from the rest. Much gratitude Graham and *Linux Tech Corps* was so helpful during the process of boosting my credit ….
thoughts on investing in an ATM
If you’re planning on buying a house for yourself – NEVER max out your credit cards to use as a down payment. Your new debt will report on your credit and you will not qualify for a loan due to your income to debt ratio being above 40%. You can max out your credit card to get a hard money loan to flip a house but NOT to for your own personal house loan. Learn more and get a quote; *850 FINANCIAL ASSESSMENT*
So I have a question, as I just officially registered my LLC. Once I set up these accounts, would it be a good idea to place personal financial investments (for the business) into these business accounts, or would it make things complicated when it comes time to pay taxes? For example, if I take a percentage of income that I make from other sources not related to my LLC and invest those funds into my business bank accounts, is that recommended? Or should I keep those funds separate as well. Maybe I’m overthinking this lol but I recommend *850 FINANCIAL ASSESSMENT* for financial and credit help
The amount of value you get from Graham’s videos is truly remarkable.. Wow!
[thank you note] [personal (totally not fake) story] [linux tech corps plug] [keep it up]
Graham you give us so much value for free it’s kinda crazy
what the hell is a Credit Score?
Thanks for the comment don’t forget to hit the subscription button
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“what’s up graham, it’s guys here”
i’m 20 years old with absolutely 0 knowledge in finances & real estate. i’ve been terrible at saving. my credit is good could be better. better i’m so pumped and motivated to learn and get better and be knowledgeable!! i’m so excited
Did no one notice how he said, “what’s up Graham, it’s guys here.” I thought I was tweaking 😂
The charge card he recommended has a $250 annual fee… is there another one of similar quality that has no annual fees?
This video is exactly what I’ve been thinking about during my gap year. I cant wait to go to the bank and open up that tax free retirement savings account. Life feels really exciting and I’m happy that there are people like you out there to spread the knowledge.
Lol the amount of bots in here
Algorithm do ur thing
He just said “whats up graham its guys here. HAHA. Man is funny af. 0:00
algoritmh
“What’s up graham it’s guy here”