That's called being born rich, And that's your fault and you should feel bad about that. I'm joking. It's are to tell on the internet sometimes. Have a good day.
I stumbled upon you by accident (thanks to those TH-cam algorithms!) and I'm so glad I did. Started watching a couple weeks ago, already switched car insurance to save $70 a month, opened an ally savings account, and got my first credit card. Starting to save up 6 months worth of expense to hopefully get my real estate license within the next year. This stuff is real, thank you so much graham.
But always remember..talent, charisma, passion for your new career ,in this case, Real estate salesperson cannot be copied , mimic or imitated..that has to come from your ❤️
i'm 13 and am so glad my brother found him before i had to find him myself. everytime he was watching him, id watch him so intently, and i want to rly successful and i thought he was such a great guy to watch
Getting too comfortable is HUGE. I worked at McDonalds for 5 years, 3 of those I was a manger I made decent money I didn't really have any experience to go elsewhere so I just... stayed. I ended up messing up and they suspended me and launched an "investigation" so I decided to resign instead of risking getting fired. It was the best thing to ever happen to me because it forced me to move on. I got a better job making triple the money, and if I hadn't got suspended I don't know if I ever would have left. I'd probably be higher in the company but really you can only go so high within a franchise McDonald's. Ironically now I'm starting to get too comfortable again and I think it might be time to move on because I've topped out in my current job.
Lucefied256 comfort is an emotion; you can influence it but it is mostly influenced by outside factors. Do what you can to diversify your income streams
#5 is very relatable to me. I was working in a foundry where I pretty much hit all the tick marks on the list. Bored. Unmotivated. Comfortable in the wrong way. Stuck. Trapped. Etc. It linked to one of the previous mistakes where I was told, “You’ll work your way to CNC Operator.” and sure enough I saw nothing indicating that the current operators were in any rush to leave or get promoted. A family friend gave me a call recommending a position as an administrative coordinator at his machine shop. I was hesitant to leave because it was a drive and the what-if’s etc. But my gut told me it was a good idea. New environment, new working field but the same field of engineering. I went for it and it was the single best career decision of my life. I learned my niche on the engineering world and the years I spent on the machine floor were not wasted.
"I was earning a decent, low 6-figure income...easy atmosphere...low stress." Bro wtf, I'm clearly doing Life Wrong if by 23 this guy was bored with his $100,000 Salary.
IKR, I’m 23 and I’m still struggling to find work out of University because of “lack of experience”. I wouldn’t dream of having a $100,000/ year easy ass job until much later in life. This guy really needs to appreciate the opportunities he has. Most of us aren’t as lucky.
Jonathan Gonzalez I’m not being greedy, I’m being jealous. I’m allowed to envy others success and hope to one day reach it on my own. I’m not blaming him for anything, just when he says “low 6-figure salary” it comes across out of touch with reality. Some people strive their whole lives to make $100,000 a year.
@@TKinfinity01 do you know what low 6 figure means? It's referring to a salary on the lower part of the scale of $100K-$999K. he never said he wasn't happy or ungrateful. Just because you don't aspire to be greater in life doesn't mean he can't. Talk before you speak
Damn right people listen to this guy! I wasted $500 on training for stuff I could've learned on TH-cam. When I started I wasted a lot of money aimlessly trading for no profit and lots of money losses. Look up the company, dig into financial details and direction they are going towards. Just invest smart, dont jump on bandwagons and do your homework. Some of the best investors in the world are long time investors and it will pay off l. You can be successful day trsding but start small and go from there.
@@Aaron-bb9rt You SIR!!! made me see!!! I see how doing the opposite on the stock market is better than following the market. They say Buy but really they want to boost stock value to sell it to us at high price. At that point the stock is overpriced and it falls down leaving new stock holders broke. I SEE NOW!!! 👀 If thats how these so called investors are playing, than so be it lets fucking play. I Love Playing Dirty. 😈😈
You invest in the strongmen to help smash the like button, because more likes will help Graham’s channel grow at a faster rate, therefore forcing him to upload more often and higher quality content, which will help you learn more about your personal finance, which in turn will save you enough money to buy a lifetime’s supply of 20 cent ice coffees
I actually Day trade but I took a year of studying and trading in a simulator. Now I post recaps almost daily. The biggest mistake people make as new traders is not studying and allowing emotions control them.
I did it all the hard way, similar to Graham, except that I never quit. I quit pennies a long time ago, but I didn't quit the market. 31 trillion dollar pool. I figured that if I couldn't figure out how to carve a living from that, I'd never carve a living from anything. Nothing more dangerous than a person with nothing to lose. Doing excellent now.
My worst financial mistake was making a 0.21 cent coffee, rather than sticking to my rules and making a 0.20 cent one, damn me thats a yearly mistake of 🤯
I wanted to be a heart doctor.I was going to enroll in School and work my way until I watched your video. Your right I shouldn't waist my time by trying to work my way up. I'm just going for it. I plan to do my first operation tomorrow. (I'm Joking).
Some of us appreciate that coffee enough to buy it everyday, and as long as the account is going up, investments stay the same, yada yada, that is all that matters...everyone has their vices. I don't have kids...boom.
Dude. Good stuff. 1. Don’t do penny stocks👍🏻 2. Don’t listen to corporate America when they tell you to “work your way up” 👍🏻 3. Make time for friends. 👍🏻 4. Be selective of using your time. 👍🏻 Any advise for someone starting a real estate channel on TH-cam?
He knocked it out of the park with this one. Best video yet. Turned out to be more philosophical than expected. Here I was thinking that very conservative financial advice was about to be dished out and instead he unleahses a go for your dreams enjoy life and keep seeking personal growth and learning which will lead to better finances. Well done Sir. Well done.
*I think a huge thing for me and probably others is not starting sooner so the next best time is now. Would rather make mistakes cause that means we’re at least moving and not staying still* 🙌
That mistake being to comfortable to leave. Speaks a lot to me. I stayed at my last job for way too long. I had ok hours. The job was super easy, my boss was laid back, etc. I was too afraid to leave for some odd reason. But I took the chance and have not looked back. It was life changing. The new job in a weird way made me rethink my finances. Which lead me to this channel
The only thing you should invest in is yourself. Investing in the stock market will only result in loss. It's a money casino, governed by outside forces you don't control. More likely, you are making someone else richer than you. Invest in your own "stock", called, "insert your name here". That's the best investment you can make.
It would really be helpful if you made a video for teenagers (I'm 15) who don't know what specifically they want to do for a career and how to get inspiration, or start learning about what opportunities there are. This would be incredibly useful as a video, even if it was just generally advice. Please consider this, thanks
Bre R. It sucks! That’s why we need to learn how to manage everything. My husband now let’s me manage the money and from watching a billion Dave Ramsey, Graham etc vídeos I’m an expert now. But fixing the credit takes so much time and money :(
I am searching vlogs about success failures for a while now. Thank you for this video because failures are the ones where you learn the most and if you learn from other peoples mistakes you are on a great path to your own vision. Thank you again.
Mine was financing a new car. Love your channel! I love sharing tips to help people save money too so I started my own channel. I hope mine grows as yours has. Great job! 👍
I am about to start financing a new car. Yet i do not think its actually that bad. I am financing through a credit union at 4% interest and they have their own dealership so they can get you mostly any car you are looking for a discounted price due to the relationship & business they provide to local dealers. For example a car that is 23k before taxes and fees which would end being nearly 26k after all that can make that exact same car go down to 23k out the door. Which is the same priced as a used car that is the same make/model an older year with miles on it So although people look down on financing "new" in this situation it makes sense.
Cristian Mendoza Hi Christian. I will not disagree with that. My mistake was that I was six months pregnant and my car was old and skidding all over the road and I was afraid of having an accident. We had really bad weather that winter here. So my husband and I wanted to upgrade because of our expanding family and we financed a brand new truck. When we had to look into replacing my husband’s car, we were smarter and financed a certified used car and we saved on the depreciation value as soon as you drive it off the lot, which on the truck was $10,000. I was able to pay off my husband’s car in less than one year. Plus he got a great discount because he traded in his old car that they found rust on so it was just a matter of time before that car was totaled. In hindsight I wish I would have looked at a certified used truck instead of a brand new one. But we learn from our mistakes. I’m not judging anyone for financing a new car but for us I wish I could’ve gone back and done it a little differently.
@@HowDebbieSaves Wow interesting situation. Yes a truck new can be alot more then a Honda new. I am a believer that buying used is the way to go but not when, i at 22 years old, have the opportunity to purchase a brand new car at 4%(right near market rate) and would be the same amount financed.
Please make a video targeted towards college students - ie. How to actually budget, things you wish you'd done/did do that you're super happy with, more frugal living tips!! :) I grew up with some terrible spending habits so your videos are helping me so much!
Thanks so much for this. I'm 34 now and already had made a couple of the mistakes you shared (including trying to time our local equivalent of US penny stocks and not spending enough effort with family + friends). Thankfully I'm slightly wiser these days. Going forward with things learnt and bits + pieces of advice from generous folks on TH-cam like yourself. Best of luck to you in the future!
#3 is something I'm working on right now. I realized how miserable I was, spending money to impress the friends I don't have, and not putting myself out there. That's all changing, I'm glad to see I'm not the only one!
Heres the thing Graham. NOBODY and i mean NOBODY wants to work in an office writing data. And not a lot of people are willing to risk not feeding their family. Some people rely on those jobs. You my friend got really lucky, really really really lucky. Just like that time you doubled your 2000$
Most of the items seem more personal and specific to you than applicable general rules, but #5 and #7 are definitely super important if you want to get somewhere in life. Challenging yourself in the right way (not buying a new video game or binge watching movies all day) is very important in the long run - it's very important to understand that sooner than later! Learning about taxes is a must, since this what everyone will deal with annually and while it's a good idea to have someone good to do your taxes, it is as important to understand what is the good person actually does to your taxes, so you know better about your your own money management.
Maybe a video on tax efficiency and elaborate on #7? Credit cards in Ireland and Europe have little to no use points/reward side aswell as the building credit side unfortunately.
The fun thing about penny stocks is to never believe in them, ride the hype, or short when the time has come. Tim Sykes is a legend. But as anywhere else you should learn, a lot, and cut your losses quickly
PLEASE make a video on whether to get a cash-back credit card or a points credit card. A comparison on which one would get me the most value would really help out.
@@matthewekstrom497 If you were a real Graham fan you would know how wrong you are, literally 1/10 of his videos include the importance of credit cards and why it's great to have one.
@@sammyb8056 it's a great start to build credit I won't lie about that they have gotten me an amazing credit score it's just after that I don't see a reason to have one
Working your way up: I couldnt get a job fresh out of college, I either had too much experience or not enough, fml. Was really desperate and took any lowest level entry job I could find. Started out at $20k, within a few days they realized I was a lot more capable than they first thought, 100% raise within 3 days. 50% raise within a month. 10% raise 6 months later etc. Went from 20k to 85k within a year at the same company.
Hey Graham :-). Just watched your episode on Middle Ground from a few months ago. You’re so intelligent and one of my role models. I’m currently traveling around the world to get some life experiences until i buckle down and start my life and career. you’ve made me develop an interest in real estate and I might go back to school for it because it’s extremely interesting to me. Thanks so much for these videos. I appreciate your dedication
When i started playing guitar hero, I stared on expert difficulty right away and failed a lot in the beginning but i stayed with it. It was the best decision i ever made. that mentality pushed me to where i am today.
You know-- you offer an online MBA. It's authentically-tested. And, amazingly, it's free. What an incredible gift to humanity. As amazing as your information. You are SO brilliant. The Ben Franklin of finance!
My worst financial mistake was buying a $650 dollar pair of Gucci's. Even though I can afford it, literally everyone would ask, "Why arnt you wearing socks". Which I was but they were hidden as they're special socks that only cover heel and top of toes. Might make a video about how dumb it was of me, lol.
@@MrMiniPancakes You missed the point... The fact I'm wearing $650 dollar shoes is completely overlooked by the fact people only cared about why I wasn't wearing socks. That completely defeats the purpose of wearing such expensive shoes, especially if the consensus is negative. Hence poor financial decision with bad outcome...
James Stone if you are only buying expensive shoes because you care about what other people think, you have much bigger problems. You should really only buy items because you want to feel better or feel more confident. Also, don’t waste money on designer shoes, what a terrible investment.
James Stone I think you’re missing a point in a purchase that satisfies YOUR needs. Who cares if it costs $1k even if that’s what you like. Why in the world would you care what others think 🤦🏻♂️. I bought those Gucci shoes, hated them. Extremely uncomfortable, sold them on eBay later because they were 💩 in MY opinion
Did you know it’s impossible to breath while smiling??? Just kidding. Wanted y’all to smile. Have a phenomenal week. Get ya bread and all the crumbs too. Stack and act broke Ladies and Gents 🙏🏾🤧💯
Credit card tip is priceless, but there is condition- understand how credit card works and never stay in debt. Simply buy staff which you normally would buy with cash by credit card and pay back debt before your statement period end. Oh and remember that people financially connected with you will affect your credit score and their credit score will be crucial in joint mortgage.
When I was young and naive, I spent most of my money on playing computers and expensive hobbies, when my parents died, it all crushing down.. Now I'm trying to restore what once was mine.
I don't think you realised how helpful this video really was! Probably more than the positive version because you're addressing the biggest human emotions, especially fear 👍
Heading towards success guy, making good invests guy. I'm the bad type, won't settle for sad types, betting on myself type, making millions yeah type. I'm the bad guy...
And videos like this are why you're on your way to 1 million subbies organically. Thanks for all the great content, even though I was a little disappointed because I was waiting for a bitconnect clip to pop up lol
I got two unsecured credit cards as soon as I turned 18 and I've been in debt ever since. 19 years later I'm watching all your videos wishing I knew all this stuff back then... Thanks Graham!
The difficulty with Mistake #3, for some is that, once you get accustomed to the the solitude and watching yourself, your money, or evening just a beloved project grow and you decide to go out and socialize, it can look like most other people are simply living life in a parking spot. Plus, they’ve developed a comfort level with it and some actually feel you’d be better off with their life! Awww, HELL NO!
Spent many years speculating in the Canadian Jr Mining stocks. Lost like $20 grand in my early 20's then made $50k then lost like another $10k. The boom and bust cycle of commodities is off the charts. Lots of lessons in psychology and patience.
I would love a video about social anxiety. I'm trying to expand my perspective, network with new people and try new things, both for financial and personal reasons, but my anxiety gets in the way of ever actually following through. I'd love to hear how you got through your anxiety. Love the videos. Keep it up!
Graham I see what you mean about timing the market. I get it I really do. But I ignored that advice because at the time in my neighborhood a decent home with enough space to raise a family was close to a million dollars. 850 was the median. A good amount of houses in my county were a million plus and they weren't what the average buyer would expect for a million dollar home. They were just the run of the mill 3 bed 3 bath in a good neighborhood. Now I've been trying to time the market because the only houses I could think of affording were in disrepair and the ones that were in decent shape were completely out of my price range. However as of today the median house in my county is only 680. Now owning real estate seems possible. If I wanted a property that needs work I can now buy one for 5 even high 4s. Just a year ago these same property owners were asking for 650-700. Waiting has been absolutely beneficial for me.
There's a difference between financial stability vs Financial Freedom. Some people don't know having a solid credit score is a HUGE PLUS in life. I just started working on my credit with this credit company 2 months ago up from the low 500s to Equifax 699 Transunion 756 Experian 733. And I bought my 1st house 4 bed 2 1/2 bath... Listen... Stay focused people you day is coming!!
Where do I start? Starting a retail biz, buying houses, cars I didn’t need or could afford, getting married (😄😃😂), not keeping my 401k, going back to college ( a few times) a timeshare...good lord I’ve made every mistake
i use to live in mexico and my grandparents property had avocado trees, there was to much avocados that alot of them went bad, i was little so i didn't really care about it. Now i live in florida and i have to pay for avocados, i never apreciated avocados before, now i do 😢😢😢 (i'm here legally in case anybody wonders😁)
![[Full] 4 ต่อ 4 Celebrity EP.910 | 22 ก.ย. 67 | one31](http://i.ytimg.com/vi/4TR3MVpOiw8/mqdefault.jpg)
My worst mistake is not starting EARLY ENOUGH. I should have begun OUT THE DAMN WOMB.
🔥🔥
RIGHT Im 17 just starting! UHGF
lmaoooooo
Starting what? I want to start too.
That's called being born rich, And that's your fault and you should feel bad about that.
I'm joking. It's are to tell on the internet sometimes. Have a good day.
I stumbled upon you by accident (thanks to those TH-cam algorithms!) and I'm so glad I did. Started watching a couple weeks ago, already switched car insurance to save $70 a month, opened an ally savings account, and got my first credit card. Starting to save up 6 months worth of expense to hopefully get my real estate license within the next year. This stuff is real, thank you so much graham.
You have the coolest last name 😃
What video did he show that in? I oughta do that
The great road to wealth is to double other people's money and keep half. Banks know mortgages are profits since day 1.
Good job Kelcy
But always remember..talent, charisma, passion for your new career ,in this case, Real estate salesperson cannot be copied , mimic or imitated..that has to come from your ❤️
@8:17 “Let me know if there’s a demand for that.”
There’s a demand for that.
Yes please
please
agreed
YES! Make it!
YES
Not watching Graham’s videos sooner is *MY* worst financial mistake
Daniel Iles I’m 11 and I’m watching his videos
i'm 13 and am so glad my brother found him before i had to find him myself. everytime he was watching him, id watch him so intently, and i want to rly successful and i thought he was such a great guy to watch
@@krishivmanyam8312 bruh, howdyu find him at such a young age, i'm 13 and i thought even i was super young for watching his vids
The worst financial mistake that 97% of people make is failing to educate themselves on understanding money in the first place!
97%?
Did you know that 97% of the newly "printed" money that comes into circulation is from public banks, and not the fed?
@@Caomusca Not referring to actual money but people's financial literacy
This comment deserves a pin 👍👍
@@BrianArons are you 30 yet?
story of my fucking LIFE
COULD YOU PLEASE DO A VIDEO ON HOW TO FIND A GOOD TAX PROFESSIONAL? What questions do you ask?
SOCIAL ANXIETY VIDEO NOW, love the vids btw, a little too much filler for myself but still awesome videos
thanks!!
Agreed.
This sums up everything I wanted to say👌
was about to comment this
Yes
Getting too comfortable is HUGE. I worked at McDonalds for 5 years, 3 of those I was a manger I made decent money I didn't really have any experience to go elsewhere so I just... stayed. I ended up messing up and they suspended me and launched an "investigation" so I decided to resign instead of risking getting fired. It was the best thing to ever happen to me because it forced me to move on. I got a better job making triple the money, and if I hadn't got suspended I don't know if I ever would have left. I'd probably be higher in the company but really you can only go so high within a franchise McDonald's. Ironically now I'm starting to get too comfortable again and I think it might be time to move on because I've topped out in my current job.
Lucefied256 comfort is an emotion; you can influence it but it is mostly influenced by outside factors. Do what you can to diversify your income streams
My parents made a very poor financial decision, me
they should slave u and give u a 0.20 cent iced coffee with a 1 usd avocado toast
Your#1 Fan lol
Your#1 Fan mate I laughed so hard hahahah
To be fair, most children are poor financial decisions :) :)
but did u pay them back
#5 is very relatable to me. I was working in a foundry where I pretty much hit all the tick marks on the list.
Bored. Unmotivated. Comfortable in the wrong way. Stuck. Trapped. Etc.
It linked to one of the previous mistakes where I was told, “You’ll work your way to CNC Operator.” and sure enough I saw nothing indicating that the current operators were in any rush to leave or get promoted.
A family friend gave me a call recommending a position as an administrative coordinator at his machine shop. I was hesitant to leave because it was a drive and the what-if’s etc. But my gut told me it was a good idea. New environment, new working field but the same field of engineering. I went for it and it was the single best career decision of my life. I learned my niche on the engineering world and the years I spent on the machine floor were not wasted.
the worst financial mistake was not buying an Avocado farm?
🤷♀️
And not opening a .20 coffee shop.
Damn you beat me to it 😂
And spelling avocado correctly. Lol
@@keltonmilanette9119 😁😁😁😁😂😂😂
Do the social anxiety vid, my story is similar to yours, and I think it applies to more people then most people realize
I second this
Yes there’s demand on the social anxiety topic
Hit the gym delete facebook get a lawyer anxiety cured
Make more money and look good, then you won't have social anxiety.
@@CommandoMaster That's social anxiety speaking
"I was earning a decent, low 6-figure income...easy atmosphere...low stress." Bro wtf, I'm clearly doing Life Wrong if by 23 this guy was bored with his $100,000 Salary.
Christopher Dews big facts
IKR, I’m 23 and I’m still struggling to find work out of University because of “lack of experience”. I wouldn’t dream of having a $100,000/ year easy ass job until much later in life. This guy really needs to appreciate the opportunities he has. Most of us aren’t as lucky.
TKinfinity that’s your fault and not his, he’s just doing what makes him happy and you’re just being greedy
Jonathan Gonzalez
I’m not being greedy, I’m being jealous. I’m allowed to envy others success and hope to one day reach it on my own. I’m not blaming him for anything, just when he says “low 6-figure salary” it comes across out of touch with reality. Some people strive their whole lives to make $100,000 a year.
@@TKinfinity01 do you know what low 6 figure means? It's referring to a salary on the lower part of the scale of $100K-$999K. he never said he wasn't happy or ungrateful. Just because you don't aspire to be greater in life doesn't mean he can't. Talk before you speak
I’d like to personally thank Graham’s father for not using a condominium 🤷🏾♂️
@@sheilasounders8560 condominium
LOL
I think you mean condo
Penny stock trading ads are SO dangerous for newcomers looking to get into investing....
Because it's NOT investing!
Absolutely true!!
That's not what Jordan Belfort told me.
Damn right people listen to this guy! I wasted $500 on training for stuff I could've learned on TH-cam. When I started I wasted a lot of money aimlessly trading for no profit and lots of money losses. Look up the company, dig into financial details and direction they are going towards. Just invest smart, dont jump on bandwagons and do your homework. Some of the best investors in the world are long time investors and it will pay off l. You can be successful day trsding but start small and go from there.
@@Aaron-bb9rt You SIR!!! made me see!!! I see how doing the opposite on the stock market is better than following the market. They say Buy but really they want to boost stock value to sell it to us at high price. At that point the stock is overpriced and it falls down leaving new stock holders broke. I SEE NOW!!! 👀
If thats how these so called investors are playing, than so be it lets fucking play. I Love Playing Dirty. 😈😈
@@bert0g who the crap is Jordan Belfort?
Graham do I invest in 20 cent iced coffee or a strongman to help me smash the like button
Matthew Wolf iced coffee first, once that investment can pay for your strong man then hire him
You invest in the strongmen to help smash the like button, because more likes will help Graham’s channel grow at a faster rate, therefore forcing him to upload more often and higher quality content, which will help you learn more about your personal finance, which in turn will save you enough money to buy a lifetime’s supply of 20 cent ice coffees
Lol I need to watch more videos every comment on the last 10 videos was 20 cents iced coffee🤔
I've been doing data entry for the past 3 years at an engineering firms... podcasts are my saviour
u mean savior*? ru british or smthg?
I actually Day trade but I took a year of studying and trading in a simulator. Now I post recaps almost daily. The biggest mistake people make as new traders is not studying and allowing emotions control them.
so where should someone go to learn about day trading?
@@jacobdavid3183 Probably his channel since he is advertising himself lol.
I did it all the hard way, similar to Graham, except that I never quit. I quit pennies a long time ago, but I didn't quit the market. 31 trillion dollar pool. I figured that if I couldn't figure out how to carve a living from that, I'd never carve a living from anything. Nothing more dangerous than a person with nothing to lose. Doing excellent now.
jawgua the great inestopidia to learn terminology and yes i have a playlist for new traders
manictiger that’s awesome congrats!!!!
Graham: Hey girl wanna smash....
Girl: Uhhhhh
Graham: that like button
And Subscribe!
😢 #metoo 😢
Felipe Martinez movement
LMAO what I came here for
My worst financial mistake was making a 0.21 cent coffee, rather than sticking to my rules and making a 0.20 cent one, damn me thats a yearly mistake of 🤯
1cent really goes a long way?
1 cent a day is $3.65 a year. You could've made 18.25 cups of 20 cents iced coffee.
@@jay-bl3ku yes, by the time ill be 90 years old, i will finally be able to afford a starbucks coffee (without milk) , but dont tell graham 🤫
@@dzenk19 lol 😂
@@justsaus9897 starbucks is years ahead
8:14
GS: (on social anxiety) by the way if you want me to make its own dedicated vid...
ME: YES
my worst financial mistakes ??? not subscribing and SMASHING THAT LIKE BUTTON soon enough ;)
Damn right
@@yovizx yessirr :p
@@AxieTipsFlystewie who else hears that loud sucking noise
I typed this in before I was even 5 seconds into the video LOL
Flystewie 'The Uneducated Investor' YT Channel Fax
I wanted to be a heart doctor.I was going to enroll in School and work my way until I watched your video. Your right I shouldn't waist my time by trying to work my way up. I'm just going for it. I plan to do my first operation tomorrow. (I'm Joking).
#1000iqplan
John Kieffer *WASTE
Can’t be a heart doc w that spelling
Zone Dron schooling dumb ass
Being too comfortable hit home for me. Lobsters can't grow unless they break their shell. But then they get to big and get served at red lobster. 😰
I also trade, Im going to check out your channel, always great to meet a fellow trader
“I hope we all are humans “
Mark zuckerburg: aight imma head out
he is called Mark Suckerburg or Shiterburg
Worst financial mistakes number 1- buying coffee every day at Starbucks
Mr. NepTun3 used to be there, but glad I stopped drinking coffee as often now
Make coffee at home for free
@@Dlopez23 lagreelbuycoffeefourtimesayearonedollar
King Lopez Coffee may be cheaper at home, but it ain’t free my guy.
Some of us appreciate that coffee enough to buy it everyday, and as long as the account is going up, investments stay the same, yada yada, that is all that matters...everyone has their vices. I don't have kids...boom.
Love the transparency Graham. You can't win every time. Anyone who says different is a liar.
My worst financial mistake: Asking for soy in my coffee, Costed me 21 cents more instead of the milk.
My condolences 🙏
Dude. Good stuff. 1. Don’t do penny stocks👍🏻 2. Don’t listen to corporate America when they tell you to “work your way up” 👍🏻 3. Make time for friends. 👍🏻 4. Be selective of using your time. 👍🏻 Any advise for someone starting a real estate channel on TH-cam?
Yes, please make a video about your experience with social anxiety. It's something so many have to work through. Thx.
He knocked it out of the park with this one. Best video yet. Turned out to be more philosophical than expected. Here I was thinking that very conservative financial advice was about to be dished out and instead he unleahses a go for your dreams enjoy life and keep seeking personal growth and learning which will lead to better finances. Well done Sir. Well done.
*I think a huge thing for me and probably others is not starting sooner so the next best time is now. Would rather make mistakes cause that means we’re at least moving and not staying still* 🙌
👏🏾👏🏾
That mistake being to comfortable to leave. Speaks a lot to me. I stayed at my last job for way too long. I had ok hours. The job was super easy, my boss was laid back, etc. I was too afraid to leave for some odd reason. But I took the chance and have not looked back. It was life changing. The new job in a weird way made me rethink my finances. Which lead me to this channel
As someone who struggles with social anxiety, I would appreciate that video! Also, see you at FinCon! -Akeiva
The only thing you should invest in is yourself. Investing in the stock market will only result in loss. It's a money casino, governed by outside forces you don't control. More likely, you are making someone else richer than you. Invest in your own "stock", called, "insert your name here". That's the best investment you can make.
*_Please do a vid on social anxiety! I'll keep smashing your like buttons lol_* 👍
Do cocaine. Solves all problems.
@@manictiger FACTS!! 😤😤
Get hot girls in your life and you won't have social anxiety.
It would really be helpful if you made a video for teenagers (I'm 15) who don't know what specifically they want to do for a career and how to get inspiration, or start learning about what opportunities there are. This would be incredibly useful as a video, even if it was just generally advice.
Please consider this, thanks
My worst financial mistake was to let my ex husband use my credit and ruin it
sorry to hear! that sucks!
GIRL SAME. Ruined.
Leonela Monterrey, you can probably get it fixed
Luka Henigman I’m working on it with paralegals it’s called LexingtonLaw but it’s costing me like 160$ a month
Bre R. It sucks! That’s why we need to learn how to manage everything. My husband now let’s me manage the money and from watching a billion Dave Ramsey, Graham etc vídeos I’m an expert now. But fixing the credit takes so much time and money :(
I am searching vlogs about success failures for a while now. Thank you for this video because failures are the ones where you learn the most and if you learn from other peoples mistakes you are on a great path to your own vision. Thank you again.
Mine was financing a new car. Love your channel! I love sharing tips to help people save money too so I started my own channel. I hope mine grows as yours has. Great job! 👍
Subscribers to you my friend
Ryan Thanks Ryan!
I am about to start financing a new car. Yet i do not think its actually that bad. I am financing through a credit union at 4% interest and they have their own dealership so they can get you mostly any car you are looking for a discounted price due to the relationship & business they provide to local dealers. For example a car that is 23k before taxes and fees which would end being nearly 26k after all that can make that exact same car go down to 23k out the door. Which is the same priced as a used car that is the same make/model an older year with miles on it So although people look down on financing "new" in this situation it makes sense.
Cristian Mendoza Hi Christian. I will not disagree with that. My mistake was that I was six months pregnant and my car was old and skidding all over the road and I was afraid of having an accident. We had really bad weather that winter here. So my husband and I wanted to upgrade because of our expanding family and we financed a brand new truck. When we had to look into replacing my husband’s car, we were smarter and financed a certified used car and we saved on the depreciation value as soon as you drive it off the lot, which on the truck was $10,000. I was able to pay off my husband’s car in less than one year. Plus he got a great discount because he traded in his old car that they found rust on so it was just a matter of time before that car was totaled. In hindsight I wish I would have looked at a certified used truck instead of a brand new one. But we learn from our mistakes. I’m not judging anyone for financing a new car but for us I wish I could’ve gone back and done it a little differently.
@@HowDebbieSaves Wow interesting situation. Yes a truck new can be alot more then a Honda new. I am a believer that buying used is the way to go but not when, i at 22 years old, have the opportunity to purchase a brand new car at 4%(right near market rate) and would be the same amount financed.
Deffently working your way up....it's sad people even take for granted that they can even work.
I have made mistakes but made me stronger and wiser!
Much love to y’all who are working so hard and never ever give up!
Peace and love ❤️
Please make a video targeted towards college students - ie. How to actually budget, things you wish you'd done/did do that you're super happy with, more frugal living tips!! :)
I grew up with some terrible spending habits so your videos are helping me so much!
Don’t listen to the comment on LAHWF.
I sit the same way and it’s extremely comfortable
Thanks so much for this.
I'm 34 now and already had made a couple of the mistakes you shared (including trying to time our local equivalent of US penny stocks and not spending enough effort with family + friends).
Thankfully I'm slightly wiser these days. Going forward with things learnt and bits + pieces of advice from generous folks on TH-cam like yourself.
Best of luck to you in the future!
As a super socially awkward person I would appreciate a video on flow and social interactions
Are you actually a senator? If so, do you have any insider info I could use to invest?
@@Steve-sz4bh my grandpa works for second sight (EYES) on the 27th the stock is going to merge and the price target is 12 dollars, its 3.30:now
#3 is something I'm working on right now. I realized how miserable I was, spending money to impress the friends I don't have, and not putting myself out there. That's all changing, I'm glad to see I'm not the only one!
Heres the thing Graham. NOBODY and i mean NOBODY wants to work in an office writing data. And not a lot of people are willing to risk not feeding their family. Some people rely on those jobs. You my friend got really lucky, really really really lucky. Just like that time you doubled your 2000$
Most of the items seem more personal and specific to you than applicable general rules, but #5 and #7 are definitely super important if you want to get somewhere in life. Challenging yourself in the right way (not buying a new video game or binge watching movies all day) is very important in the long run - it's very important to understand that sooner than later!
Learning about taxes is a must, since this what everyone will deal with annually and while it's a good idea to have someone good to do your taxes, it is as important to understand what is the good person actually does to your taxes, so you know better about your your own money management.
Maybe a video on tax efficiency and elaborate on #7?
Credit cards in Ireland and Europe have little to no use points/reward side aswell as the building credit side unfortunately.
I did the same exact thing with 10k in stock options in my early 20s. "It's going up! This is awesome! ... annnd it's gone" lol
7:05 FinCon!!! You hit the big time, Graham! Funny how everyone else has a snazzy nickname under their name and yours just says "Graham Stephan" XD
Letting loose and overcoming social anxiety. PLEASE make a video on this, Graham 😓
Remember, cut losses quickly! 1#
Yup
The fun thing about penny stocks is to never believe in them, ride the hype, or short when the time has come. Tim Sykes is a legend. But as anywhere else you should learn, a lot, and cut your losses quickly
PLEASE make a video on whether to get a cash-back credit card or a points credit card. A comparison on which one would get me the most value would really help out.
Don't get one is your best option
@@matthewekstrom497 If you were a real Graham fan you would know how wrong you are, literally 1/10 of his videos include the importance of credit cards and why it's great to have one.
@@sammyb8056 it's a great start to build credit I won't lie about that they have gotten me an amazing credit score it's just after that I don't see a reason to have one
Working your way up: I couldnt get a job fresh out of college, I either had too much experience or not enough, fml. Was really desperate and took any lowest level entry job I could find. Started out at $20k, within a few days they realized I was a lot more capable than they first thought, 100% raise within 3 days. 50% raise within a month. 10% raise 6 months later etc. Went from 20k to 85k within a year at the same company.
Time for you to come out with your own personal Graham crackers with a financial tip on each one
I love this comment
Yes!
Lol
This x1,000
DUUH!
Hey Graham :-). Just watched your episode on Middle Ground from a few months ago. You’re so intelligent and one of my role models. I’m currently traveling around the world to get some life experiences until i buckle down and start my life and career. you’ve made me develop an interest in real estate and I might go back to school for it because it’s extremely interesting to me. Thanks so much for these videos. I appreciate your dedication
Social anxiety video? Yes please.
I was just researching videos about it cause I suffer from social anxiety.
When i started playing guitar hero, I stared on expert difficulty right away and failed a lot in the beginning but i stayed with it. It was the best decision i ever made. that mentality pushed me to where i am today.
You know-- you offer an online MBA. It's authentically-tested. And, amazingly, it's free. What an incredible gift to humanity. As amazing as your information. You are SO brilliant. The Ben Franklin of finance!
My worst financial mistake was buying a $650 dollar pair of Gucci's. Even though I can afford it, literally everyone would ask, "Why arnt you wearing socks". Which I was but they were hidden as they're special socks that only cover heel and top of toes. Might make a video about how dumb it was of me, lol.
James Stone lol who cares about your socks
@@MrMiniPancakes You missed the point... The fact I'm wearing $650 dollar shoes is completely overlooked by the fact people only cared about why I wasn't wearing socks. That completely defeats the purpose of wearing such expensive shoes, especially if the consensus is negative. Hence poor financial decision with bad outcome...
James Stone if you are only buying expensive shoes because you care about what other people think, you have much bigger problems. You should really only buy items because you want to feel better or feel more confident. Also, don’t waste money on designer shoes, what a terrible investment.
James Stone I think you’re missing a point in a purchase that satisfies YOUR needs. Who cares if it costs $1k even if that’s what you like. Why in the world would you care what others think 🤦🏻♂️. I bought those Gucci shoes, hated them. Extremely uncomfortable, sold them on eBay later because they were 💩 in MY opinion
maxxpert there you go
Definitely do a video on the social anxiety and socializing if you find the time!
Did you know it’s impossible to breath while smiling???
Just kidding. Wanted y’all to smile. Have a phenomenal week. Get ya bread and all the crumbs too. Stack and act broke Ladies and Gents 🙏🏾🤧💯
I cried
This was great lol. Same to you man!
yes def elaborate on #3 / social anxiety!
I thought his worst financial mistake was going to be buying avocado toast.
Yes please do a video on social anxiety. I struggle with social anxiety and feel this will do away with my hopes and dreams
Credit card tip is priceless, but there is condition- understand how credit card works and never stay in debt. Simply buy staff which you normally would buy with cash by credit card and pay back debt before your statement period end.
Oh and remember that people financially connected with you will affect your credit score and their credit score will be crucial in joint mortgage.
When I was young and naive, I spent most of my money on playing computers and expensive hobbies, when my parents died, it all crushing down.. Now I'm trying to restore what once was mine.
Graham, thank you for showing us your hand, for some reason we (audiences) trust you more than other TH-camrs.
Ah thanks!!
I don't think you realised how helpful this video really was! Probably more than the positive version because you're addressing the biggest human emotions, especially fear 👍
I’m the bad guy, ain’t no holding back guy...
Heading towards success guy, making good invests guy.
I'm the bad type, won't settle for sad types, betting on myself type, making millions yeah type.
I'm the bad guy...
@@rmt3589 that was amazing. Thank you.
@@Adorably_morbid No problem. :3
I think he was quoting Billie rikishi
rmt3589 👏👏👏
So close to one million! Congrats man!
Can we get that Graham Stephan backstory video? We need to know the makings of the man we admire today!
And videos like this are why you're on your way to 1 million subbies organically. Thanks for all the great content, even though I was a little disappointed because I was waiting for a bitconnect clip to pop up lol
I got two unsecured credit cards as soon as I turned 18 and I've been in debt ever since. 19 years later I'm watching all your videos wishing I knew all this stuff back then... Thanks Graham!
The difficulty with Mistake #3, for some is that, once you get accustomed to the the solitude and watching yourself, your money, or evening just a beloved project grow and you decide to go out and socialize, it can look like most other people are simply living life in a parking spot. Plus, they’ve developed a comfort level with it and some actually feel you’d be better off with their life! Awww, HELL NO!
GRAHAM, ALMOST ONE MILLION. I remember when you had just 28k subs. Congrats bro!
They don't teach networking in public school or college. But it is the most important skill to have
Graham please make the social video you mentioned 💯💯
Spent many years speculating in the Canadian Jr Mining stocks. Lost like $20 grand in my early 20's then made $50k then lost like another $10k. The boom and bust cycle of commodities is off the charts. Lots of lessons in psychology and patience.
Please do the video on how to enjoy yourself. I feel like if I’m not working I’m sleeping and if I’m not sleeping I’m working.
Only a strong person can talk about his mistakes and learn from this!
Would love to see social anxiety video
That could be really interesting and helpful
Love your channel
Thank you
In my opinion, this is not a mistake but a lesson.The fact that you tried to invest so young was a logical attempt.
Lost thousands day trading penny stocks, I could’ve bought so much chipotle bowls with that.
Zachary Laid Finding Freedom same!
I would love a video about social anxiety. I'm trying to expand my perspective, network with new people and try new things, both for financial and personal reasons, but my anxiety gets in the way of ever actually following through. I'd love to hear how you got through your anxiety. Love the videos. Keep it up!
*Unbelievable . Graham makes mistakes??* 🤯🤯
Graham I see what you mean about timing the market. I get it I really do. But I ignored that advice because at the time in my neighborhood a decent home with enough space to raise a family was close to a million dollars. 850 was the median. A good amount of houses in my county were a million plus and they weren't what the average buyer would expect for a million dollar home. They were just the run of the mill 3 bed 3 bath in a good neighborhood. Now I've been trying to time the market because the only houses I could think of affording were in disrepair and the ones that were in decent shape were completely out of my price range. However as of today the median house in my county is only 680. Now owning real estate seems possible. If I wanted a property that needs work I can now buy one for 5 even high 4s. Just a year ago these same property owners were asking for 650-700. Waiting has been absolutely beneficial for me.
My worst financial mistake was law school
F
Really? ...dam
F
F
Rest in pepperoni.
F
Yes - made the video on how to let loose when you socialise
There's a difference between financial stability vs Financial Freedom. Some people don't know having a solid credit score is a HUGE PLUS in life. I just started working on my credit with this credit company 2 months ago up from the low 500s to Equifax 699 Transunion 756 Experian 733. And I bought my 1st house 4 bed 2 1/2 bath... Listen... Stay focused people you day is coming!!
Where do I start? Starting a retail biz, buying houses, cars I didn’t need or could afford, getting married (😄😃😂), not keeping my 401k, going back to college ( a few times) a timeshare...good lord I’ve made every mistake
At least you were still able to get avocado toast
Agreed!
It is amazing that you are so active in your youtube community.
Graham, what is your daily routine in order to pump out so any quality videos? Do you script write or shpiel off naturally? Thanks man!
OMG...Graham Get Out Of My Head... I am all of those things, bored, comfortable, etc..its horrible..but like you I'm going to change all that ASAP
i use to live in mexico and my grandparents property had avocado trees, there was to much avocados that alot of them went bad, i was little so i didn't really care about it. Now i live in florida and i have to pay for avocados, i never apreciated avocados before, now i do 😢😢😢
(i'm here legally in case anybody wonders😁)
#5 feels about where I'm at in life. don't like the job but its pretty easy and low effort. pay and benefits are nice make it tolerable to stay