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best video!
im still wating on my dominos pizza
I thought you were serious until you started splitting your toilet paper 🧻 😂.
Great video Graham!
I cut my own hair, and make my breakfast at home for work for the week( home made burrito’s are delicious by the way) and i make my coffee at home and have never bought a fancy coffee. I am boring .
Couldn’t finish the video!
Don’t worry. He still got his 0.005 cents. 😂
This is the BEST VIDEO you have done in a while. I’ve been watching for just over a year and it’s easy to see the enthusiasm from week to week. But this has been spectacular. I would like to see some more “reminiscing” videos! A++
Excellent advice. The power of carefully assessing how you spend your money, and cut down in unnecessary spending lies in the compound interest of the habits that you create. Living a more minimalist life allows you to grow in areas where creativity thrives when you have the time to meditate, ponder, and experiment areas of passion and interest that would never flourish if you are constantly running the hamster wheel of living paycheck to paycheck and slaved to a job to pay the bills. While you need the basics to live a comfortable modern life, the added materialistic things are more of a detriment to happiness because it robs you from the only true currency: time. To be a happier, more successful person, get off the “hedonic treadmill”.
Nickels dimes and pennies, I count them everyday 🤑🤗🤣
You still make lots of videos…
How can I make money when I car accident few years ago and cause of that im unable to work?
I would liko hear someones advice. 🙂
I’ve also had this mindset. But just wait until you get married and have kids. 😂
I’d love commentary on being in the FIRE community if you have kids. My wife and I aren’t materialistic and don’t live any kind of extravagant lifestyle, but with our 13 month old (and hopes for another), it’s hard to find corners to cut. Kids are the ultimate luxury item.
because its all gone! 🙂
Yeah I hope he is still doing real estate because this channel has really died- no way he’s paying all those mortgage payments with these views.
And that’s why we called Graham Daddy 😅
Although the concept is not new, the passion behind it is. I began the FIRE movement in 2019 while I was in debt of over 100k. By carefully monitoring my expenses and making wise decisions, my family has now achieved a positive net worth and has the ability to invest in ourselves, our assets, and the life we desire in pursuit of our FREEDOM goals. I am truly grateful for this journey.
Need to reduce my Starbucks consumption. I spend at least $10 a day there.
Yeah…being single and without a family helps too.
Not realistic unless youre simgle
This might be my favorite video that you’ve ever made. A little more personal and substantive. Also, if your mortgage, car payment, etc. are stressing you out—just payment them off. Live debt-free for a year and if you don’t like the feeling of a weight being taken off your shoulders after that year ends, get back into another mortgage and/or car payment. You can even do a “debt-free diaries” series on YouTube and document how your mind, emotions, and finances change as you live debt-free for a year.
Getting stressed by having a reoccurring bill, such as a car payment, and yet still getting stressed by it while you have millions of dollars, is, in fact strange.
Im not trashing you. Im happy that you were able to work hard and become successful more than most people.
Invest in your future, the future after you leave this earth.
May you find eternal life and the perfect peace the God provides, through his Son Jesus Christ 🙏🏼
I have always said the same thing. Money gives you options. Wealth gives you better options.
Love the authenticity Graham! Really enjoyed the video and I pray more people follow your lead!
Hard to believe how much money this guy used to make from this during corona.
Not anymore.
You are an inspiration to so many, including myself. Thank-you for all that you willingly provide to us, the public. Keep up the excellent work!
Hey Graham, can you do a video of where you have invested your $$$!
This video itself seems kind of ironic. You’re stacking money to just have money instead of things. You want freedom, but you’ve already passed the financial threshold of freedom.. You could literally just sit on your investments, retire and live comfortably.. so what is it? Power trip?
I’m the same way I love freedom and I value it so much and the best of ALL I love to sleep at night. my dad used to tell me the only person to prove something is yourself. I don’t care for things either, All I need is to have a roof and food on my table.
This type of video feels right again. This is your roots
I like how grateful you are. You resonate what Jim Carrey said, I think everybody should get rich and famous and do everything they ever dreamed of so they can see that it’s not the answer.❤
The bin bags tip is no good for us people living in Switzerland, we have to buy official ones, a package of 10 small ones cost around 15$ but if I could I would use it, even if it was a joke
I been frugal all my life, and what took me 20 years to save now while I worked in banking now I have more than Quadrupled investing in the Stock Market in the past 5-7 years. As of now I can retire and never work. However, brings me freedom not to wait until Friday to get my paycheck. I have averaged 20% per year over the past 10 years on wise investing decisions, and even learned from bad ones. It’s amazing I don’t have to wait for a raise or a Xmas bonus, when I can give them when I want to.
Drink straight from the tap and become gay.
Amazing perspective!!
do a video now on things you allow yourself to spend more or excessively on
SATUL.de.voj.8.ani.de.zile.ati.distrus.vijatamja.ati.distrus.familliamja.ati.lasat.fara.home.Romania.Transfer.many.990.billion.ROMANIA.BANK.TIMISARA.
Hopefully people don’t take this dude extreme cheap lifestyle and run away with it.
Not buying the best possible food (quality wise) and at least somewhat ethically produced clothing while earning as much as he does ($5+ mil/year) is just psychotic. Devoting 1-2(!!!)% of his income would be enough to hire a full time private chef, eat the best possible meals with the highest quality ingredients which would over time most probably increase his wellbeing and overall lifespan.
According to your prospective. I believed, homeless people has more joy and less in stress, than YOU. 😂
You lost me at splitting the TP in half 🤦🏾♂️
great vid – thanks, Graham!🤗
Great video bud!
Love this mindset!!!
this guy dates Tom Greene and drinks from the toilet
At 64 I an confident I will be able to retire well at 104
My option is to feel more superior then everyone else.
Graham, your knowledge and livestyle is truely inspiring. However, you’re a young, healthy and very wealthy man. You’re financially free and, with the right choices in life, you will never experience financial issues ever again. Don’t forget to reward yourself a little. Take nice vacations, drive a nicer car, … you only live once and you truely deserve it. And it will never affect you financially. ❤
In conclusion, this temporary world actually just world government currency exchange gaming only 😂
You’re a frugal dork
The Federal Reserve and the unfairly effected working class agree strongly with you.😊
I need a solid and trusted plan to survive these trying times, I was really hopeful of my investments this year, but all my plans have been disoriented, I’ve been studying the market crashes and I realized some investors made a fortune from the recent 2008 recession and I was wondering if such success rate could be achieved in this present market. Any recommendations?
Clearly the recommendation is switch all your savings to bitcoin. Cryptocurrency crashed the last couple years, so it should be starting a new run to a new high.
Throw it into medium term fund / Hold some in gold and some tech stocks. I feel exceptionally lucky I started investing in my early 40s and consistently compounded my income to create more cash flow. I grew to a 7 figure well-diversified portfolio having exposure to different prolific investments mainly stocks, precious metals, and high yield dividend funds. ever grateful to Trisha Jean Webb my F.A…
@Randy Pelletier checked for your FA and found her web page. she is very impressive , left a mail after going through her resume.
There is a line to this though. You’re making it a moral thing that you “shouldn’t” but you really are at a point where the money is going to continue to come and what’s the point of hoarding it all? I’ve had a huge journey with this coming through poverty, paying off hundreds of thousands in student debt and now am debt free making 500k. I’ve went to great clips for years but there’s a point that the saving is ALSO an issue of money scarcity mindset, and I hit huge goals so I’m going to buy things now. The anxieties of those purchases DOES have deeper routes in my unsolicited opinion. Lol
This is the best video you have ever made. No hype or clickbait. Just the truth people don’t want to hear but need to hear. If you want to save money don’t spend it. Once you learn to pay future you, that level of discipline will give you access to future opportunities that people without that discipline never gain access to.
You’re the man Graham
Rich individuals counting dimes is as cliché as it gets, if you remove money from the equation what you’re left with is always an existential crisis.
The financial sector and derivatives may have a Hindenburg moment if the US Treasury market collapses. Rising market illiquidity in the $14.8 trillion U.S. Treasury market, according to Bank of America, might affect other financial markets.
There are many opportunities to make fantastic profits, especially in this depressed market, but such complex transactions can only be carried out by seasoned market professionals.
@WEi I wholeheartedly concur, which is why I like giving an investing coach responsibility for making everyday decisions. Given their specialized knowledge and study, as well as the fact that every one of their skills is aimed on leveraging risk for its asymmetrical potential and limiting it as a buffer against certain unfavorable turns, it is practically impossible for them to underperform. Over the course of more than two years, I’ve worked with an investment coach and earned over a million dollars
I’ve been considering taking that path. I’ve kept a lot of stocks, but they’re starting to depreciate, and l’m not sure if I should stick onto them or sell them. I believe restructuring my portfolio would be facilitated by engaging your investing coach.
@Debroah Morrow Yes, you can use a search engine to hunt for Mayra Femia Hetrick. However, I’m not certain that I can bring this up. In 2020, she attracted a lot of attention. She manages my portfolio and serves as my mentor.
@Debroah Morrow Her website was easily accessible by entering her complete name into Google. So far, it seems fascinating. On the scheduled date, I will phone her and let you know how it went. Thanks
my only issue – once you begin living your life chasing freedom, saving so that “one day”…. a new anxiety sets in. When is that “one day”? will I even recognize it when it comes?
Thanks Graham! I am posting videos because of you! Thanks for the inspiration! I WILL MAKE IT!
I read a report by Northwestern Mutual on the same topic and found that if I choose to put a lump sum into solid investments, I am more likely to have a higher balance over time. Being a novice at the time, I saw that as a queue to get into the market. That was quite the turning point in my finance.
Software engineer here. I don’t make that much, but I sure do make enough. However, it will not be a bad idea to hear from a professional. Are there open slots for new investors?
I used to be frightened to take risks which was a “safe”, but you know with the market, it’s low risk, low returns. But with Herman’s dynamic approach using risk management, I’ve recorded tremendous growth in roi.
@Beatrice Fergie Would you be kind enough to leave a lead to him? Thanks in advance.
@Ntombifuthi Sithembile Sure,
Hermanw jonas (a g mal comm
I appreciate your response. I left him a mail. I’m excited to start my investing journey!
Nicely done!
You should have a paid course for real estate investing! It would be awesome! big fan from 800k subscribers!
Why do you and Andrei do the same videos?
I don’t care what you say. I’ve been watching you for some time. I’ve known for a while that you’re a toilet paper splitter. Most splitters also brew their own coffee.
Is using a kuereg considered brewing your own coffee?
I agree skipped water bottle and drink from the tap. However, Graham if you are a real millionaire why be so cheap? That does more harm than good to the economy. We can’t have millionaires not spending money or being frugal. It’s ok to spend within your means though & if you are a real millionaire you should have plenty of wiggle room within your means.
Hi, would say this is your best video so far. Your videos are usualy good and bring some good information or advice, which “naturaly” comes from you thinking about your content. But this time there is some little change in you personaly and the way you present yourself as person. Tldr seems like you figured somethink out or simply somethink happy ocured in your life as reason for this subtle change. Well could be oposite and you are hard pressed, which is how many people make their best work 😀 Anyway thanks for video and wish you all the health,luck and love in your life.
Why is there a dead animal on your desk?
6:40 this is so interesting, have a listing of recurring expenses and working towards checking it off via investments. I’m going to try that! Thanks
Graham youve done this right and teaching these young people to as i get older that’s exactly what is important freedom, freedom of bills, freedom of children, although i never had any best decision I ever made but spending money on useless things just brings clutter in your space and life 1:40
I know we will probably never meet, but it is uncanny how similar our situation and mindset are. Even small details like how I wanted to buy a lotus Elise back in 2010 because I knew I could buy it and not lose any money. Not to mention I’m also a short white guy ha ha
Thank you for not making me feel like a crazy person everyone else thinks ha ha
This should be played on hs
Why you live in a big house 😂😂😂???
Dude tap water is horrible for your health
If you need a filter on your tap then buy one. I live in a rural state and the tap water is what everyone drinks here because it’s actually good and clean.
Microplastics in bottled water are bad for your health.
Did you liquidate some of your investments to pay for some of the living expenses you mentioned? Or did you keep it all invested and instead pay for everything with your income? Hopefully my question makes sense.
Hey Graham, I’m a young guy that wants to pursue financial independence someday. I currently don’t invest nearly as much as I can, but save 40% of my weekly pay in a high interest savings account. Any suggestions for investing? Been doing $30/week where i buy dividend stocks mostly. I also have TFSA with my bank, thqts $50 a month. This doesnt include my RRSP (not sure what the American equivalent is), but that I get a generous match and contribute easily 200 a month to my retirement. I’m noticing that I have an OK amount saved but the money is just sitting gaining OK interest. Do you suggest I invest more of my money instead? Obviously I’m worried about losing, but im also trying to “time the market” and wait for stocks that I’ve been eyeing to drop… Maybe not the best strategy, but my goal is to buy these quarterly dividend bank and utilities stocks at a lower price and gain some returns whilst getting decent dividends every few months. Any suggestions? I’m currently 23! Your videos have helped a ton, by the way! I’d like to be able to buy a rental someday, but living in Canada is tough when the prices are higher than the sky!
Great video! A philosophy for saving, getting ahead of the game, and achieving financial freedom, which just allows freedome and control over your own life. A video full of useful tips and even some humor scattered throughout.
This is the Graham I started watching in 2016. Wasn’t feeling some of the videos during the year, but this one was a nice one. Back to the basics with a nice reminder of what got you to where you are and what we can do to put ourselves in a better financial position. Thank you for everything Graham. I’ve been watching your videos since I was still a sophomore in college. I’m now 28 and married. I’ve taught my wife the same financial values and hope to pass on that same info to my kids someday. You’ve definitely made a positive impact in society 🙂
Really inspiring video!
I really liked this video. We think alike. I started buying rental property as a college student and it has paid off well. I would use the rent from the first one to gather a down payment for the next one. I learned how to fix things and fix up property. Two skills that keep my bills lower. Just last week my 15 years old home AC stopped working for first time ever. I dialed my ac guy for my rentals and he told me what to check. I ended up getting a $20 part from Amazon the next day and put it in. An ac tech would have charged $400 for same. That’s my style of frugal. The $380 i saved pays for this entire summer’s AC electric. I even ordered a spare of the part that fixed it, for next time.
WHEN EVERYONE IS IN A STATE OF CONFUSION
THERE WILL ALWAYS BE A VERY IMPORTANT [KEY] APPEARING
WHETHER IT IS A NOBLE PERSON OR A LOW EBB EXPERIENCE BUT IN CONCLUSION
WILLINGNESS TO CHANGE WILL LEAD TO A BETTER DIRECTION
I agree with you Investment is the key to sustaining financial longevity . And not just any investment but an investment with guaranteed return.
Gadd. I need to be like Graham.
Here is Dallas $17 for hair cut at Greatclips
Same here. I do the same as you. No stress! Feels great!
Loved hearing the mindset behind everything and fully agree; thank you for making this!
needed this
Reminds me of the book “Rich Dad Poor Dad” build assets not expenses/liabilities
You inspire me.. to spend less. Saving is rewarding.
Your favorite things are your aquarium and eating sushi… alittle hypocritical don’t you think. If you love fish so much as pets then why are you paying to eat them at restaurant’s?
Brilliant video. So well articulated
Because he can’t take it to next level like Meet Kevin.
I’m good at saving and investing. It’s the earning more that I need to work on. I wish I could earn a million in about a year.
Great video!!!!!
ALL HAIL THE KING!
Graham is triggered!
right, definitely the way to go – don’t forget to give beyond what you actually need for a happy life to people/children who need help – but when you feel intuitively it’s the thing to do
I’m glad I’m not the only one. Mine is a household of six. We have always lived frugally. Even raising kids we keep in mind between the needs and the wants. I don’t want our kids to be only worried about having things and being entertained. Home cooked meals, being outside, and doing things that are cheap or free. We don’t have a lot of money, but we’re working on paying off debt.
Great video. I agree with everything said!
It’s not 2017 anymore dude a 7% return is near nonexistent with the current market.
Graham you can’t take it with you, might as well enjoy the time you have here. No you don’t need to impress people but you can enjoy life and go out to dinner once in a while. Things will change when you have kids too!
If hyper inflation hits you will have nothing anyway, then only stuff will matter.
This guy is one of the biggest scammers smh
Treat yourself well according to your means, don’t be a miser.