Go to http://public.com/graham and use code GRAHAM and you’ll receive a randomized free stock worth up to $1000 once you open an account! Enjoy! Add me on Instagram: GPStephan
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FIRST: REDUCE YOUR SPENDING
immediately go and sign up for a budgeting software like Mint.com or PersonalCapital.com.
PART 1, Review ALL of your spending throughout the last 60 days and identify those charges.
PART 1 is going to be MANDATORY SPENDING.
PART 2 is going to be your DISCRETIONARY SPENDING
PART 3: I want you to CUT BACK ON ALL NON ESSENTIAL DISCRETIONARY SPENDING THAT YOU KNOW YOU CAN LIVE WITHOUT.
PART 4: SAVE THE DIFFERENCE.
Doing this is all about identifying what you don’t absolutely need, cutting back on what doesn’t matter, and then saving the difference for where it matters the most.
SECOND: SAVE THE DIFFERENCE
This is basically going to become your insurance policy in case you lose your job, can’t afford to keep up with your MANDATORY expenses, don’t want to sell your investments now at a loss, and need something to fall back on.
Now, in terms of WHERE to put your emergency fund…you want to make sure it’s somewhere safe, and PREFERABLY, somewhere that pays you a little interest. And, for that…we have the almighty HIGH INTEREST SAVINGS ACCOUNT.
In addition to this…if you want a SLIGHTLY better return and don’t need the money immediately, you could consider Stable Coins.
THIRD, I just want it in here, that if you have any high interest rate debt…like credit card debt….now is the time to pay that off, so you don’t accrue EVEN MORE interest that’ll make your situation worse than it needs to be.
FOURTH, You’ll need to do your best to KEEP YOUR JOB, Take on side hustles, and CONTINUE WORKING, if at all possible.
And FIFTH…once you’ve made sure your job is secure, your emergency fund is in place, and you’ve maximized how much money you’re making…you should begin consistently investing into the markets to buy the dip on a regular basis – no matter what happens.
For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com
*This is a paid endorsement for Public.com. Offer valid for U.S. residents 18+ and subject to account approval. This is not a recommendation. You can lose money with any investment. Open To The Public Investing is a member of FINRA & SIPC. Regulatory and firm fees apply. See Public.com/disclosures/
*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/
Market didn’t look bad today 👀
Preppy look Graham.
Signed up with Public and got $5 in free Amazon stock! Thanks
I don’t want to comment because of the inevitable spam comment! @youtube needs to fix this rubbish!
Agreed, 100 percent!
Just deleted them!
@DGB Antho Great job!!!! Thanks!!
@Elizabeth S. Linus Tech Tips coming in clutch lol
Hey Graham, I like your channel and have been following you for a couple of years. I will be in Vegas soon. Thought we might be able to meet for coffee ☕ and talk about which ETFs you like.
Hit me up..
3:17…love ya, Graham…”Unconscious spending habits?” 😂
Subconscious, is what I think ya, meant. Love your videos, though, bro.
Only liked to get by the “like wall” hehehe
I’m lucky enough to work full time and have no other expenses than car insurance and food. So I can keep investing without worry. I put 2k into my HSA every year and my company automatically puts 10% of my bonus check into my 401k. I’m only a few months into investing but I feel like this is solid advice for these times.
I wonder why he didn’t mention yotta instead in ally
You grew your personal brand massively
.Saw you on @DDG video of you at the “Team 10” house
My emergency fund is an entire year, that is how paranoid I am lol. Good advice but my situation is a lot different than most, I make money off almost every single discretionary expense and what I do not make money off I can normally find a way to write off on taxes.
0:10 I swear to god I thought he was going to say smash that like button
My math prof said: you can’t save by spending.
We finally got our reconsideration funding yesterday. It hit our bank overnight. What a wonderful way to start the year. Thanks Andrews from Loan Arranger Limited for helping us get to the Finish line with a business loan after months of disappointments.
Why is Meet Kevins comments off?
Graham, what are your thoughts on QYLD/XYLD as a dividend etf?
Buy a Ski Mask in case things get desperate.
Why did Meet Kevin disable comments?
I think you should add I-series savings bonds for inflation protected savings for the medium term (12 mo minimum duration). Good diversification with stable coins and a high-yield savings account.
$SPY
Where can we hear about your current real estate market opinions?
Linus tech tips just released a video for you about spam mitigation that you should check out it’s called
Fixing what YouTube couldn’t.
Please tell Kevin to turn on the comment button so he can stay relevant. Take his medicine good or bad.
Meet kevin turned his comments off because of the hate he’s getting, fir essentially criminally manipulating people for his own gain in the market. He shut them off so I came on your channel.
Graham, theres a new open source tool to remove spam comments. Linus talks about it in his new video (Linus Tech Tips)
Don’t worry we already set it up!
I’ve put in $10k year to date in the market such as sp500 eg vti and I’m ready to see green!!!
I miss Kevin – I dont know what happened to him ☹
You need to tell your Youtuber Friend Meet Kevin to pull his head out of his butt and stop acting like a jerk…
Meet Kevin is a coward.
One of the best ways to start saving money is to automate your finances. It’s easy to achieve your financial goals without even thinking about it.
MeetKevin is a 🤡🤡🤡 Bought his course, followed his recommendations, refinanced my condo, and reinvested in the market, now I’m down 65% and getting margin call. Now he turns off comments.
Hit me up’
G O A T 🐐
@ADMIN I’ll be messaging you for Hookers and Blow 🚀
What about Tom Brady Graded Rookie Cards as an alternative investment?
@WhtsApp➕❶❻❷❻❻⓿⓿❾❸❹❽ Eww, so you’re down to do that?! Yuck!!
You really need to stop begging people to hit the like button. It really takes away from the message
These steps apply to good or bad time. What’s so different than in a bear market which could last for months.
Can’t agree more!
Graham! Do you know anything about DOMA?
Subbed to the channel. Then Graham told me I don’t need OF. Un-subbed.
Saw the thumbnail and cut all my money in half to protect from inflation. Thanks Graham!
Do you not use Webull anymore graham?
Algo
sounds very relevant to my living on the budget lifestyle!
I smashed the like button during the pre-video advertisement
This is 100% investment advice!!
Hey, the market still crashing or what. Or it got canceled 😆 ur buddy meet Kevin hasn’t said nothing about it….
Hi Graham another great video as usual. I do think you should take some time to explain the difference between a health savings account and a health spending account. I work for a very large company and was shocked to find out that an HSA and an HSA are not always the same thing. My company offered a health spending account and although it came out pre-tax, anything I didn’t use by the end of the year was forfeited. Very grimy.
Why are people paying for only fans
ELON!! 🚀🌕
At 0.5%/yr you’d be losing money?! Isn’t the average inflation year over year between 1.5-2.5%?
Thanks for taking time making these videos.
Question if You had $500 to gain as much money as You could off that what would your first move be to make more money off it?
Shout out to MeetKev…he is a huge part of retail investing and when he is not live is it’s hard to find content that is as good or consistent. The only reason he is getting trolled is because people are envious of the fact the he was still able to make money in this market. Kev I know you disabled your comments but I hope this finds you. There are thousands and on some occasions millions of people part of your community don’t be discouraged by the rotten few. Looking forward to more content!!!
You definitely could do a video about HSA
Where is that financial criminal Kevin hiding? in the doghouse? The master of bottom sales.. graham cut him lose he is a danger to your brand. Any association with him is toxic
Great content, Reading about people grabbing multi-figures monthly as incomes in investments even in this crazy days in the market , any pointer any pointers on how to make substantial progress in earning ? would appreciate.
Thanks for the Enlightenment, The best way to find that balance between saving and living is by investing, this way you get to have your savings intact and then live comfortably of the revenue coming in from your investments.
Romero is the best thing that can happen to a complete beginner
Aspirin to learn trading and also to new investor’s.
If you lost much I kindly advice to get an expert who is well know in the stock market but Romero pieto is really a good choice thou I have friends that he trades on their behalf and haven’t heard any complain.
@Melinda Jonathan Romero is indeed a trading expert who offers his investors/student a professional trading service for a 25% commission on each profit made by him when trading on behalf of his respective clients.
Romero pattern always ensure return’s he is such a game changer.
I’m so amazed that someone recommended Romero pieto He is the same Expert am working with too. Sincerely I must confess that I have been making loads of profits since I started trading with him.
I actually came to your video to dislike it, and then left the video altogether.
Since Kevin P. disabled his comment section, I’ll leave a comment for him here. “The Psychology of Market cycles” is a wealth of information. Graham, your video is a winner too. I tap the “like” button for you both. Keep up the awesome content 👏
Wow
Hit me up
You missed the most important thing for reducing spending…. Keep women out of your life lol 😂
8:30 also you just have a credit card for emergencies… tires pop… bam… kid brakes an arm… bam
I agree with everything apart from the 401k. I think it is so obsolete.
I wanna be Graham Stephan when I grow up… I’m already 28 lol
Buy amc
But sponsors…. Really? Man of your talents?
I like how gram mentioned on securing and improve on the main source of income instead. An essential skill set and market demand jobs could greatly improved your income and no doubt it will also improve your mind! Love it!
As a college student I’ve learned so much from you I was able get my credit score to a very good point and instead of taking out loans I use my credit card with 0 intrest for 15 months for school and it gives me time slowly paying it off you’ve given me so much knowledge thank you so much !
I don’t think there is anyone in this space, that is as humorously creative with the “hit the like button, subscribe” as Graham Stephan 😆😂 I love this guy
For the Emergency fund, you said to have it in cash. Do you mean Cash, in a typical savings account thats very liquid? or…physical cash? and how much would you recommend?
I think the illuminati knows what the market is gonna do…
The irony is if I hadn’t recently gotten into the idea of responsible personal finance and kept my money in a low interest savings account rather than a diversified portfolio of index funds, I’d be worth about 20% more right now. 😂😭😭
Can you do a video on shinja ? Shibnibi please
Stable coins don’t crash, it’s in the name
Meet Kevin is a Fraud
Just bought RNVG night vision and training at a reputable training company. very spendy, but can be more of a life saver than money in the bank…
Ms Joan is legit and her method works like magic i keep on earning every single week with her new strategies
I think I’m blessed because if not I wouldn’t have met someone who is as spectacular as expert Mrs Joan
I think she’s the best broker I’ve ever seen
My first investment with Mrs Joan gave me profit of over $24,000 us dollars and ever since then she has never failed to deliver and I can even say she’s the most sincere broker I have known
Yes I’ m also a living testimony of expert Mrs Joan
Mrs Joan has changed my financial status for the best.all thanks to my aunty who introduced her to me
Joke’s on you. I don’t have friends to impress.
✝️
❶❸❶❸❸❼❾❺❻❸❸
Just keep accumulating Bitcoin or you will keep getting diluted and working years off your hard life!
Successful people don’t become that way overnight. What most people see at a glance wealth, a great career, purpose is the result of hard work and hustle over time. I pray that anyone who reads this will be successful in life
Graham, I’d love to hear you talk about collectibles as an investment class (specifically trading card games) – what’s your view on it? Do you invest in any collectibles yourself?
Great video and good to look at it as dollar cost averaging over time.
I would’ve expected a notable mention for Yotta Bank 🤔
Hey Graham I’m looking to get into real estate investing next year and I’m building my credit and working full time with Nike. However I’m researching on maybe getting my real estate license, to learn more about the business. And get a real estate job while I’m learning the business. What advice would you recommend me to do on buying my first investment property next year? And I am also debating if I should buy a mobile home live in it for a period of time and then rent it out for extra income. While I am working? I do love my job at Nike and also want to get into real estate, so I’m wondering how I can go about doing this? And is an FHA loan the best option to first start off with getting my fist real estate investment property?
And I do remember you mentioned on keeping a job while we build wealth for the future! And also Thankyou for mentioning public because I was looking for another investment platform to do my stocks on and what platforms can we set a Roth IRA account up on?
Wait you can pull money out of a Roth IRA with not penalty at any time??
I loved you and the Ramsey head stick figure! So funny!! Good o ne!
I have,👆something more profitable you might be interested in📩📊❤️
Great content 👍❤️🙏
Hit me up.
hi graham! can you make a video of your updated recommendations of hysa’s?
Hit me up,
Whatever woman lands you is a lucky B if she is smart she will totally respect how you think👍
Got something ♐amazing👆 for you hit me up.
His clown thumbnails are better than his videos
If one stops the extra expenditures, does that also dip that companies stock i.e. Netflix, Starbucks, Roku, etc.?
The only millionaire living like he’s in college on a parental budget.. Maybe thats why hes a millionaire? Who knows
Hello Graham! I hope you are doing good. I just have a question for you, why should we do a 401K account if we won’t be able to take out the money until basically 60 years old. If we wanna retire at an early age, such as 35-40, waiting another 20 years wouldn’t make much sense.
I’m getting metals and only metals Cash is trash
Helpline 👆👆
About how to start earning.
The public can’t influance inflation.
Live your own life, take your chances on building a skill and become the best.
Have something amazing👆 for you hit me up.
not enough people have watched this video
..