These are the 8 daily habits that have absolutely changed my life, and how you can easily utilize these, as well - enjoy! Add me on Instagram: GPStephan

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FIRST: Create Short, and Long Term Goals.
Here’s the thing…you can’t expect to get what you want, or to achieve anything in particular, without having a direction. You NEED to be clear about what you want, and by KNOWING what that is, you’ll be better able to get there. BUT, at least for me…sometimes Long Term Goals just seem too distant to provide any sort of urgency. hat’s why you NEED to ALSO create short term goals…these should be goals for the week, or for the month, or something that’s so close by so that you have an URGENCY in getting it done.

SECOND: Ceate a TO-DO list EVERY SINGLE DAY
Just like when you create your short and long term goals…your DAILY TO-DO LIST is going now to be the holy grail of your entire day. And with this, understand Parkinson’s Law: Your work expands so as to fill the time available for its completion. So begin implementing deadlines as to when each task needs to get completed…and magically, you’ll be able to get everything done that much faster.

THIRD: Meditation
Prior to a few months ago, I thought the whole thing was bogus, and I just didn’t get it. But I gotta say, the first time I really gave it an honest shot with an open mind…something just clicked. So, over the last few months, I’ve been meditating twice per day, almost every single day, for 15 minutes each…and it’s made such a difference. What was first this stupid, pointless thing…is now something I really look forward to, that brings me a lot of creative, positive thoughts once I’m able to tune out all the clutter of my mind, and all the worry of everything that needs to get done.

FOURTH: A consistent sleep schedule
It turns out, though - scientifically - our bodies do BEST with that type of consistency, of going to bed - and waking up every single day at the exact same time. You’ll find that your body adapts to whatever schedule you give it - and when you throw that balance out of wack - your body’s chemistry works in overdrive to compensate for that. Studies have also found that irregular sleep schedules lead to poorer performance, weaker memory, and a worse QUALITY of sleep when you DID go to sleep.

FIFTH: Exercise and going to the gym
I’ve found that there’s nothing that makes you feel better, that gets you more motivated, that brings you more energy, that gets you more clear headed - than going to the gym and working out. Not only that, but the HEALTH benefits of going to the gym on a regular basis are IMMEASURABLE.

SIXTH: Get in the daily habit of NOT procrastinating.
It’s called The 2 Minute Rule. Here’s the concept: MOST things we stress about and procrastinate on, really don’t take THAT much time to do. So, the 2 minute rule suggests that whatever you can do in 2 minutes or less, you should get done IMMEDIATELY. Whether it’s a text message you were meaning to send, or replying to an email, or even just cleaning up after yourself…don’t postpone it…if it’s 2 minutes or less, just go and do it right now.


SEVENTH: Being Consistent, Daily
Trust me, without consistency - everything above is pointless. Don’t waste your time creating goals, pushing yourself at the gym, meditating, and creating a sleep schedule - if you’re just going to dabble with it here and there, stop for a little bit - then come back to it later, and quit again…you’re just not going to see results, it’s going to be frustrating, and it’s not going to end well. Beyond ANYTHING…ALL of this fails if you don’t stay consistent with it because consistency is like the GLUE that holds all of this together.

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.

Let's discuss the current market drop, a warning to investors, and how to prepare moving forward - Enjoy! Add me on Instagram: GPStephan | GET MY WEEKLY NEWSLETTER: https://grahamstephan.com/newsletter

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HOW TO PREPARE FOR A MARKET DROP:

ONE: ALWAYS keep a 3-6 month emergency fund at all times. 
I know I sound like a broken record when I say this NONSTOP, but it’s true - having 3-6 months worth of your expenses, saved up, in cash - at all times, is one of the easiest things you can do to make sure you’ll last through a stock market drop.

TWO: DIVERSIFY your investments throughout AS MANY DIFFERENT INDUSTRIES AS POSSIBLE.  
That way, should ONE market fall…the others should be enough to offset that. And if the ENTIRE market falls…I’ve still got 20% in cash, on the sidelines, to keep buying in…even if my income drops.
THREE: KEEP BUYING IN. 
Study after study show that the best thing you can do is just STICK TO YOUR PLAN, KEEP BUYING THE ENTIRE MARKET, and HOLD. 

FOUR: DON’T PANIC SELL. 
What I’ve seen SO MANY TIMES, is that the psychology that pushes you to sell because your investment is dropping…is going to be the same psychology that will hold you BACK when the market starts going up.

FIVE: KEEP A STEADY INCOME. 
The WORST CASE SCENARIO isn’t just that the market drops…it’s that it falls, DURING A TIME that you lose your job and need to sell those investments to stay afloat. An emergency fund could hold you over 3-6 months while - hopefully - the market recovers - but, if it doesn’t - you want to make sure you have SOME consistent income to either continue buying in, OR - to pay your living expenses so you don’t have to sell during a time where everything is down.

SIX: KEEP MORE CASH
I’ll admit, statistically - this is NOT what you should be doing, and more often than not, investing your money all at once in the market will yield the best results - BUT, if you want to play it safe, and value peace of mind…keeping MORE cash on the sidelines is a way to do that.

SEVEN: STAY OUT OF MARGIN DEBT AND LEVERAGE.
I think it’s pretty safe to say, you’re playing with fire if you’re borrowing money to invest in the stock market, cryptocurrency, or any other speculative, short term asset. The ONLY EXCEPTION would be a “low interest” mortgage on a cash-flowing rental property that you intend to keep long term…but, besides that…stay out of debt, at all costs.

EIGHT: If you NEED this money in the next 3-5 years - it’s probably not a good idea to invest it.
A few years is not long enough to ensure that you’ll actually make money, and - as we’ve seen - there have been PLENTY OF TIMES throughout history where the market takes almost a DECADE to recover - so, the shorter your investment timeframe is - the less likely you should be invested in something that could drop in price.

My ENTIRE Camera and Recording Equipment:
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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/

Today we're reacting to my assistant's new home tour - Enjoy! Original Video Here: https://youtu.be/DXXiyyTV9H8 | Add me on Instagram: GPStephan

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I boxed Michael Reeves at Creator Clash - Here's what happened, and his response. Enjoy! Add me on Instagram: GPStephan

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My ENTIRE Camera and Recording Equipment:
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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/

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.

Second - DON’T IGNORE YOUR CREDIT SCORE - https://youtu.be/Vn9ounAgG3w - FULL VIDEO ON CREDIT SCORE
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.

Today we meet with Dave Ramsey to discuss investing, debt, building wealth, and credit cards - Enjoy! Add me on Instagram: GPStephan | Follow Dave Ramsey Here: https://www.youtube.com/c/TheRamseyShowEpisodes

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The YouTube Creator Academy:
Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: https://the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFF

My ENTIRE Camera and Recording Equipment:
https://www.amazon.com/shop/gr....ahamstephan?listId=2

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/

Let's talk about owning real estate, the reality of being a landlord, and my advice when renting a property - Enjoy! Add me on Instagram: GPStephan

GET YOUR FREE STOCK WORTH UP TO $1000 ON PUBLIC & READ MY THOUGHTS ON THE MARKET - USE CODE GRAHAM: http://www.public.com/graham

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The YouTube Creator Academy:
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My ENTIRE Camera and Recording Equipment:
https://www.amazon.com/shop/gr....ahamstephan?listId=2

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/

Today we're reacting to "What I Spend in a Week in LA as a 27 Year Old" by annalise
- Enjoy! Original Video Here: https://youtu.be/No5wyewHqgk | Add me on Instagram: GPStephan

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Get up to an extra $10,000 when you transfer your stocks to Public from another brokerage - Go to http://public.com/graham and use code GRAHAM - Enjoy! Lets talk about Quiet Quitting, its impact on workers, and what this means for the economy - Add me on Instagram: GPStephan

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Even though the term “Quiet Quitting” has existed for well over a decade…the RECENT trajectory is all thanks to a viral TikTok, which summarized that - even though you’re not outright QUITTING YOUR JOB - you’re quitting the idea of going “above and beyond.” You’re still performing your duties, but you’re no longer subscribing to the “hustle culture mentality” that work has to be your life - and that, your worth is not defined by your productive output.

However, the reality is: “acting your wage” will come at the cost that - long term, you’ll likely have a much harder time getting a promotion, working up to new opportunities, or even keeping your job - IF that’s something you value.

If you’re the type who WANTS recognition, who WANTS to grow within their career, and WANTS to eventually make more money…it’s often BETTER to give a LITTLE MORE than expected, and by doing so - you make a lasting impact that sets you apart from the competition.

In addition to that, it also serves as your safety net in the event we DO enter a severe recession with mass layoffs…because, like it or not…throughout recessions, we tend to see a COMPLETE contraction across the entire economy, including job losses.

I would take this EXTREMELY SERIOUSLY…because, even though it’s easy to “quietly quit” while unemployment is at an all time low, since 1955 "the U.S. economy has always experienced a recession within two years from every quarter in which inflation was above 4% and unemployment was below 5%, as they are today.”….and, on top of that…the unemployment rate has NEVER held below 3.5% for more than a year.

From my perspective, it’s totally okay to set boundaries in terms of your work/life balance…but, it shouldn’t be surprising if someone else gets the promotion, or a better opportunity - and that needs to be factored in, at least to SOME degree.

Of course, on the flip side: employers can’t simply expect their employees to keep 1-upping each other for a raise that doesn’t match inflation - plus, I’m sure it’s also demotivating to see the person who slacks off, getting paid the same as the person who takes on extra work, so, companies NEED to cultivate an environment where there CAN be incentives along the way.

Now, as far as what YOU could do about it: honestly, if you’re the type who’s happy with what they’re doing, self-motivated, and has a clear path for what you want, this is an opportunity to stand out in the workplace, and solidify yourself as someone who indispensable for the company. It could also be a great time to look for other work that’s more personally fulfilling, or - creates a better environment for what YOU want out of life.

My ENTIRE Camera and Recording Equipment:
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*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/

Today we're reacting to UpFlip: Behind The Scenes Of a $24,000 a Month Coffee Shop Business - Enjoy! Add me on Instagram: GPStephan | Original Video Here: https://youtu.be/HvQt2wbj7DE

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Today we're reacting to Ana Bey - 7 Signs He's A Low-Value Man (Get Out!) - Enjoy! Add me on Instagram: GPStephan

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Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: https://the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=GET100OFF - $100 OFF WITH CODE GET100OFF

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Today we're reacting to Noah Kagen - Asking 80 Year Old Millionaires If It Was Worth It - Enjoy! Add me on Instagram: GPStephan | Original Video Here: https://youtu.be/r6WZuLKOa6k

GET YOUR FREE STOCK WORTH UP TO $1000 ON PUBLIC & READ MY THOUGHTS ON THE MARKET - USE CODE GRAHAM: http://www.public.com/graham

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Podcast: https://www.youtube.com/channe....l/UCMSYZVlQmyG8_2MkI

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The YouTube Creator Academy:
Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: https://the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=GET100OFF - $100 OFF WITH CODE GET100OFF

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A study about self made millionaires revealed 17 habits that almost all of them do which are said to contribute to their success - this is that list, and my thoughts on each point. Enjoy! Add me on Instagram: GPStephan

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1. 30 MINUTES OF READING DAILY
Now, what I found interesting was that, he makes the distinction that millionaires aren’t out there reading the Harry Potter Trilogy Series, but instead - they’re reading for INFORMATION, and this is something that I’ve found true for myself, as well.

2. CONSISTENT EXERCISE
It was found that 76% of millionaires exercise for at least 30 minutes per day…and, even though I haven’t been as consistent with this as I would’ve liked…it does help.

3. SURROUND YOURSELF WITH SUCCESS
I think it’s WAY more important to surround yourself with people who are supportive, who don’t put you down, who believe in what you’re about, and push you in a positive direction.

4. VOLUNTEER WORK
It's important to have the mindset that there’s enough to go around for everyone…almost every successful person I’ve met offers something of value FIRST, before they receive anything else back in return.

5. DREAM SETTING
You should try to come up with a REALLY detailed plan of exactly what you want to achieve, when you want to achieve it, and WHY that’s important to you.

6. PURSUE YOUR OWN GOALS
Your OWN goal will probably be a lot different than what other people have in mind…. and there’s not a “one size fits all” approach.

7. PROPER SLEEP AT NIGHT
Overall, the number of hours you spend working doesn’t always correlate to getting more done…so, instead, place some of that importance back on your sleep.

8. WAKE UP EARLY
Having each morning in complete silence really allows you to focus in a way that just isn’t possible throughout the day.

9 MULTIPLE SOURCES OF INCOME
This was such a common finding that the IRS analyzed the tax returns of high net worth filers and found that, on AVERAGE…Millionaires had 7 different sources of income.

10. HAVE A MENTOR
From my experience, you’re best NOT looking for a mentor, and instead - following on your own path, on your own time, without the expectation of anyone going out of their way to help you.

11. HELP OTHERS SUCCEED
This gives you the mentality that “there’s enough for everyone,” and by teaching other people to do what YOU do, you’re reinforcing the belief that one persons gain isn’t at the expense of another person’s loss.

12. HAVE A POSITIVE OUTLOOK
Positivity goes a LONG way here, not only from what you project to others…but, also, how you interpret your own experiences and chose to move forward.

13. DON'T FOLLOW THE HERD
Sometimes, you just need to put yourself out there if your goal is to build wealth, whether that be taking a career risk, following your gut with a decision, or taking a path that isn’t conventional.

14. GOOD ETIQUETTE
I the bigger picture, it’s important to just treat other people with respect, and that’s it

15. DEDICATE TIME TO THINK
It's definitely good to take some time to yourself to organize your thoughts…but, if you’re going to be effective with this, just make sure to write them down.

16. SEEK FEEDBACK
I think the SMARTEST people out there are usually SMART ENOUGH to acknowledge that they don’t know everything, and because of that, they actively seek out helpful criticism to point them in the right direction.

17. DON'T GIVE UP
If you enjoy the process of getting there, it becomes THAT much more likely you’ll actually achieve it

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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/

Get up to an extra $10,000 when you transfer your stocks to Public from another brokerage - Go to http://public.com/graham and use code GRAHAM - Enjoy! Let's discuss the recent market downturn, investing ban, and what this means for you - Add me on Instagram: GPStephan

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BUY THE DIP:
2022 has been the WORST YEAR ON RECORD for ‘buying the dip’ in almost 100 years. According to The Wall Street Journal, “The S&P 500 has dropped 1.2% on average this year, in the week after a one-day loss of at least 1% - That is the biggest such decline since 1931.”

This paints the VERY REAL picture that - there WILL be years of losing money - there WILL be entire DECADES where the stock market trades completely flat - and, that’s perfectly normal. In fact, the market trades NEGATIVE 25% of the time…and, the AVERAGE decline of a BEAR MARKET RECESSION is 35% over a period of 495 days, of which, would’ve provided a FANTASTIC buying opportunity for those who aren’t sitting out of the market and continue buying normally.

THE NEW INVESTING BAN:
The Market Sentiment Blog: https://marketsentiment.substa....ck.com/p/copy-top-st (RESEARCH PULLED HERE - FANTASTIC RESOURCE)

When we look at the OVERALL PICTURE of Congress, in terms of how their stock picks perform, they do decently well.

MarketSentiment found that, over one month, their stock picks beat the SP500 by an average of .12%…over a quarter, they beat that benchmark by 1.34%…and, through the end of the experiment…their stock picks outperformed by almost 6%.

However, even though they have a MAXIMUM of 30 days to publicly report each trade….the MEDIAN disclosure is made at day 28, and the AVERAGE is at day 52…meaning, almost everyone waits until the last possible minute for their information to be made public, while some even report LATE and get hit with a $200 penalty.

As a result, one proposal is currently in the works that would enact “a stock trading ban for “senior government officials,” which would result in all high ranking officials being “prohibited from investing in securities, commodities, futures, cryptocurrency and other similar investments …and be banned from shorting stocks. 

Now, LOGISTICALLY, it would be a nightmare to ACTUALLY enact - that’s why, I think a BETTER SOLUTION, would simply REQUIRE that all stock trades be announced 48 hours in advance. On top of that, the failure-to-file penalty should be increased to an amount that DISCOURAGES any late filings from happening in the first place.

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*Paid endorsement. This does not constitute investment advice. Investing involves the risk of loss, including the potential loss of principal. Brokerage services for US-listed, registered securities available on Public are offered by Open to the Public Investing, Inc. (OTTP), member FINRA & SIPC. Brokerage services for securities issued pursuant to Regulation A of the Securities Act of 1933 are offered through Dalmore Group, LLC (Dalmore), member FINRA & SIPC. OTTP and Dalmore are not affiliated entities. Cryptocurrency trading is provided by Apex Crypto LLC (NMLS ID 1828849). Apex Crypto is licensed by the NY State DFS.

**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/

Get up to an extra $10,000 when you transfer your stocks to Public from another brokerage - Go to http://public.com/graham and use code GRAHAM - Enjoy! Lets talk about the market downturn and what this means for your money - Add me on Instagram: GPStephan

GET YOUR FREE STOCK WORTH UP TO $1000 ON PUBLIC & READ MY THOUGHTS ON THE MARKET - USE CODE GRAHAM: http://www.public.com/graham

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THE 2022 ECONOMIC RECESSION:
FOLLOW MARKET SENTIMENT: https://marketsentiment.substack.com/

It was found that investors have the tendency to sell at the worst possible time, and buy when the market is already on an upward trajectory because they fear missing out..and, in doing so, they basically sell the bottom and buy the peak, lowering overall returns.

So, in terms of the “RIGHT WAY” to invest to maximize returns…one strategy entails “buying the dip,” which - on average - results in a return nearly TWICE THAT of someone who simply “holds on and does nothing.” Markets tend to take, on average, 1-2 years to bottom…and, 2.6 years to recover…so, buying consistently allows you to purchase those lows - while gaining the future upside at the exact same time.

Plus, every single study shows that - the longer you invest - the smaller your chances are of losing money, with a 99.8% likelihood of a balanced portfolio being profitable over a 15 year timeframe.

Overall, this year is PROBABLY going to be quite difficult for most investors - and, that’s something to be expected. Investments don’t just continue going upwards, indefinitely, and there are going to be years where you lose money - it’s a part of the process. But, don’t let that deter you - and, if anything, it should be motivating that you’ll be able to buy everything for a cheaper price than you could’ve, a year ago.

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*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/

Let's discuss how to build wealth with no money, the best ways to make passive income, and how to grow your investments to $500,000 - the amount most Americans say they would need to feel financially secure. Enjoy! Add me on Instagram: GPStephan

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1. BE CAREFUL WHO YOU LISTEN TO.
The fact is, if you REALLY want to build your wealth…you NEED to go against the grain and do what most people are NOT doing, and that includes listening to people who are where you want to be.

2. YOU NEED TO START MAKING MONEY
Most likely, IF your goal is to try to build up your wealth as FAST as possible…you aren’t going to get there through a traditional job. Instead, pick a career or a business that ISN’T dependent on how many hours you work, but on the results you achieve. If you ignore the rest of the video and just focus on ONE thing, let it be this - because, it’s important. 

3. GET IN THE HABIT OF INVESTING EVERYTHING IMMEDIATELY.
If you want to build your wealth, the reality is that - the longer you wait to start INVESTING - the more difficult it’s going to be….because, the more time you allow for your money to grow, the more money you’ll eventually have.

4. CREATE MULTIPLE STREAMS OF INCOME.
The average millionaire has more than 3 income sources - and, generally, the most income sources you have, the more money you're likely to make. This could include dividend income, capital gains, interest income, rental income, royalty income, earned income, or money generated from a side hustle.

5. MINIMIZE YOUR SPENDING
It’s said that the average American spends $18,000 per year on non-essential items…and this is something nearly EVERYONE can start cutting back on, immediately.

6. AVOID LIFESTYLE INFLATION.
The only way to overcome this is if you make more money, keep your expenses the same - don’t change a SINGLE thing - and invest the difference immediately. If you’re earning $40,000 and get a raise to $60,000…great, now you save another $20,000. 

By doing all of this - growing your wealth from nothing to $500,000 in less than 10 years is entirely possible, even without a crazy high starting income….but - it will require a lot of work, sacrifice, and discipline to stay consistent…it means you’ll have to cut back as often as possible, and otherwise live like you’re constantly broke…BUT, AFTER those 10 years…you’ll have the financial security that most people DREAM ABOUT…and those habits are likely to continue forward to build an even greater future.

My ENTIRE Camera and Recording Equipment:
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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/

Lets discuss how to build a million dollar net worth, starting from $0, in 10 years - Enjoy! Trade Bitcoin, Doge, and other crypto with low fees on FTX. Use my referral code GRAHAM and get up to $100 FOR FREE: https://ftx.us/partners/graham - Add me on Instagram: GPStephan

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HOW TO BE A MILLIONAIRE IN 10 YEARS:

ONE: You NEED to save as much money as possible.
As simple as it might be to say: without this part, the ENTIRE plan fails…and, when it comes to increasing your net worth, at the end of the day…it doesn’t matter how much you make…but instead, how much of that you’re able to save.

TWO: You ALSO need to make a lot of money.
Working ANY job that pays based on RESULTS or individual TASKS…your income will SKYROCKET, because NOW - hours no longer make a difference. Personally, I think sales are one of the most under-rated careers out there, because it often serves as a stepping to earning a higher income, while teaching you everything you need to know about time management, customer service, and efficiency….not to mention, it could also provide funding for just about anything else you want to do, later.

THREE: Realistically, you’ll also have to invest your money.
As an example, just consider this: If you SAVE your way to $1,000,000 in 10 years…you’ll have to put away $273, every single day - or, $8333 per month - to make that a reality. BUT…if you just INVEST that money, instead….you can get there with “just” $158 per day, or $4750 per month, while averaging an 8% return…or, in other words…you need substantially less if you’re consistently putting your money to work.

THE PRACTICAL STEPS:

First, cut back as many expenses as much as you possibly can.
Figure out the BARE MINIMUM that you need to survive, with some discretionary spending thrown in every now and then…and, from that point on- anything you make above that amount will be automatically invested.

Second, determine how you can make more money.
Perhaps look into switching careers, learning a trade, starting a side hustle, or starting a low-overhead business from home. The fact is, this isn’t going to be possible if you earn under $50,000 per year…but, the GOOD NEWS is that there are PLENTY of ways to make extra money, if you’re willing to put in the time.

Third, once you have enough money saved up - I would highly recommend you reduce, or even eliminate your entire housing cost by investing in a multi-family property.
This is where you buy a multi-family home, like a duplex, triplex, or fourplex, then live in one of the units and rent the others out. Typically, when done right, those other units will cover the entire cost of owning the building - and all of a sudden, you’ve got a free place to stay, while allowing you more money left over to re-invest.

And fourth, you can keep repeating that process every 2-3 years.
For example, banks allow you to get a low interest rate loan, as a primary residence, with up to 4 units - as long as you intend on living there for a year. That means, you can buy a cash flowing property - move in one of the units…wait for another one to come along…buy that, rent out the previous unit…and start the process over again, while gaining equity and cashflow at the exact same time.

At the end of the day, building up a $1 million dollar net worth is all about numbers - and, even though your spending tends to be the EASIEST to control and point you in the right direction - your income is the speed at which you’ll hit your target.

My ENTIRE Camera and Recording Equipment:
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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/

MrBeast reveals how much money he makes, where he invests his money, and how he was able to grow his entire business into one of the most successful brands of 2022 - Enjoy! Add me on Instagram: GPStephan | THE FULL INTERVIEW HERE: https://www.youtube.com/c/TheIcedCoffeeHour

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My ENTIRE Camera and Recording Equipment:
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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/

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CREDIT SUISSE:
WSB THREAD: https://tinyurl.com/3mk5ymxk
They’re one of the world’s most PROMINENT global banks, with more than $1.5 Trillion under management, offices throughout the entire world, and a designation as one of the “systemically important financial institutions of 2022."

However, all of this began just a few days ago, when the CEO of Credit Suisse made a statement that the bank “was at a critical moment,” and tried to reassure employees not to confuse the “day-to-day” stock price with firm’s “strong capital base and liquidity position”.

In addition to their stock price having declined 90% over the last decade, they’re about to undertake a MAJOR restructuring to try to return the company to profitability - but, in doing so, they need to raise capital - and some see that as a last-ditch effort to stay afloat - .much like Lehman Brothers did… right before their widely publicized downfall.

Once investors started digging deeper into company financials…critics warned about their path moving forward, declining revenue, and dwindling returns that could have a SIGNIFICANT impact on the entire market.

EVEN THOUGH their stock price has absolutely plummeted, investors are concerned, and credit default swaps skyrocketed to the highest level EVER - SOME analysts believe that a Lehman-Style moment is unlikely…and that internet speculation has gotten out of hand.

For example, JP Morgan went on record to say that the bank’s capital was healthy, other analysts say they’re in a “tight spot” - but, unlikely to fail, and CitiBank says - this isn’t 2008.

However, at the end of the day - it seems like this entire situation is turning into a self-fulfilling prophecy, where - the more people BELIEVE it’s going to fail, the lower its price goes, and the less leverage they have - to actually turn things around.

After all, they’re beginning to lose private bankers in Hong Kong…turnover is increasing…and, even a formerCredit Suisse trader himself tweeted: All rumors are false until OFFICIALLY denied.

That leads me to believe that - despite the sensationalized headlines - there IS a risk that these large banks could be in trouble…BUT…lets ALSO be realistic: They’ve grown to the point where, they could also be supported by government funding, in the event their downfall would negatively impact the global markets.

It’s also said that they currently have $100 BILLION DOLLARS of “Buffer Capital” - and, even though that can only go so far - there’s nothing that says they can’t receive additional help, on top of that.

So, all in all - YES…there IS risk of the bank defaulting, the global economy falling apart, and all of us pointing to Credit Suisse and Deutsche Bank as the culprit…but, REALISTICALLY…it’s undetermined if the government would even let that happen in the first place…and, honestly…the most we can do at this point is to simply wait and see what happens.

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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/

Here's an update on Bankroll Coffee, the issues we faced, and what we're doing moving forward - Enjoy! Add me on Instagram: GPStephan | http://www.BankrollCoffee.com | FIRST 100 PEOPLE WHO USE CODE BIGSAVINGS WILL GET A FREE BONUS!

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My ENTIRE Camera and Recording Equipment:
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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/