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/

Upgrade to smarter home insurance through Hippo. Visit http://go.hippo.com/Graham and get your free quote today! Lets about the newest housing market data, price reductions, and a decline in sales - Add me on Instagram: GPStephan

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THE HOUSING MARKET:

First, HOME SALES.
Year-Over-Year, home sales are down nearly 20%…marking the seventh straight month of declines….and, in terms of WHY, their chief economist noted that “The softness in home sales reflects this year's escalating mortgage rates” - which, as of a few days ago - have begun to approach 7%.

Second, MONTHS SUPPLY OF INVENTORY.
If you’re in the market for a BRAND NEW CONSTRUCTION…supply has ballooned from 3.5 months at the start of the pandemic…to now, 8.1 months of supply…suggesting that, if you’re a buyer - you’ll have a LOT more leverage than you did in the past.

Third, HOME PRICES.
Even though homes are MORE EXPENSIVE today than they were a YEAR AGO…most of that growth was attained within the first few months of 2022…and, for the last 90 days…home prices have been falling. Nationwide, median prices are currently sitting at “$389,000…DOWN from the peak of $413,000 that was recorded in June.”

Even the Chief Economist for Realtor.com said that, “For homeowners planning to list, today’s market is significantly different than the one from even 3 weeks ago”….meaning, we won’t know the true effects of today - until November.

When it comes to this, The Vice President Of BlackNight Research said that “It would take some combination of a 40% rise in incomes, roughly a 3-percentage-point decline in 30-year rates - or a 30% pullback in home prices” to normalize the housing market.

Now, SOME markets could be hit worse than others - including speculative cities which saw the biggest pandemic price INCREASE, and - the high end luxury market which has already fallen 5% in the last 3 months…but, other markets may continue to increase in price….so, we’ll have to take a wait-and-see approach.

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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/