She mentioned in a previous video that she bought the Air Stream as a fun thing to fix up to turn into an AirBnB, but it turned out to be far more expensive than she anticipated. May as well finish the job and enjoy it. After spending that much money on it, I would want to go camping in it myself before renting it out.
@@TheGrahamStephanShow You'd probably disagree but I feel if a real estate agent pulls up in a flash car I feel like that they are a hustler and not someone I want to do business with.
I have been watching Monica and Shelby for years! I love to see how successful they've become! Also, I love these reaction videos, they are my favorite!
That sucks about the Rocket Money sponsorship- I got Rocket Money after hearing you talk about it on your channel and love it! I didn’t use to budget at all and now I’m obsessed with it- I like your take on game-ifying saving
Impressive video. I started a bit late (graduated from my doctorate program at age 30 in 2014 with 170k in school loan debt). Managed to pay off my debt by 2019 and currently have a house and 250k total in investments (combo of profit share, 401k and a brokerage account). I'm not very knowledgeable in investing, so I just have my investing currently in index funds mainly Too but have been putting a lot into Schd the past few months. I don’t know if that's the optimal strategy, but psychologically it is very set it and forget it, and prevents me from obsessing over individual stock performance.
Instead of using different brokerage accounts to purchase index funds or individual stock, compare your age(s) and how much time you have estimated till retirement, you can also opt to consulting/working with a fund manager/advisor for an “optimal strategy” to outperform the bear market.
@@james.atkins88 Please tell me how i can meet up with your financial advisor, My funds are being murdered by inflation, therefore I'm looking for a more profitable investing strategy to put them to work.
@@james.atkins88 Thanks for sharing this. I did my own little research, and your advisor looks advanced and experienced. I wrote her and dialed her twice but she didn't pick up so I scheduled a phone call. She is experience can't wait to have a chat. I hope she doesn't ignore me.
You'd have no knowledge if you fall for these scams. Psychologically speaking, you won't forget it, and will obsess over that performance. We're in a bull market and can park the “optimal strategy” to outperform the bear market.
For some couples, they're relationship works better when they have separate bank accounts. When they spend the money, they won't be arguing who is depositing more money into that account. It can get messing. It's worked well in my relationship.
@@thedopplereffect00 When you're married and you take those vows (and you mean them) - your spouse's problems are your problems regardless if combined or not. Separate accounts allows for more "hiding" and then the marriage goes into shambles when one partner is asking for help and the other isn't willing to because their mindset is "what's mine is mine and what's yours is yours"
@@thedopplereffect00 I married my wife and paid of her student debts right away. The amount of trust that instills in a marriage is immeasurable. We both hold each other accountable and build each other up. That's how a marriage should work.
@@andrewparry7300 I agree, that was what I was trying to convey. Some people think everything is okay with separate accounts, but they might not know what's actually going on until it's too late.
I really wasn't concern about what my Real Estate's car was. I was more concern about how good they were at their job and how well they treated their clients. I don't judge on what car they drive. Some agents are really bad at following up keeping you updated on what's going on and the client shouldn't have to keep contacting them to get an update.
I'm sure Seattle is extremely expensive for sit-down restaurants, but they have as wide a range as anyone. Red Mill Burger on Magnolia is probably the best burger I've ever had.
I'm speculating that its easy to lose track of your finances when you have so much to play with. When you have (significantly) less money to work with you have to manage it to make the most of it.
I just want to say I love smashing the like button for the TH-cam algorithm I want to say I love subscribing to see more and I absolutely love watching the odds all the way to the end so I can give you my one penny and I love you gram. Thank you for the content
There is always a little thought in my head about what you would say every time I reach for something silly. Keeps me a little more honest I would like to think. 😂
Aww man, I heard graham say he booked a 6k$ first class seat to Croatia, and I was waiting for him to tell us how he found an award seat to get it for free by transferring his Amex points to ANA or something… Even by going with the economy seat I feel like it’s not worth it. You could probably get that with 20-30K points each way, and make a video about how you got it for “free”
Honestly I respect that you didn’t buy a $6,000 first class ticket. I think 6k for a 12 hour flight is an insane amount of money. I think it’s fine to let some life style inflation set in since you save so much money but still, 6k, nah
Funny to read this as my driving motivation to build wealth is that I want enough money to always fly first class without a second thought. It’s so much better, it’s worth it especially exactly on those 12 hr flights you mentioned.
I believe if you are in California at a residence you own more than 42 days per year California you are a resident. You will pay income tax on everything.
I love the vids I just feel like some people buy things for sentimental value and not always just investments. The trailer she prolly bought for something her and her dad could work in together. Same goes for things like hair, nails, clothes and etc some of it is just things people do for themselves not always about finding ways to cut costs. If it was someone that was in debt it’s understandable but not people that are responsible and have the monet
Def some things to criticize or at least question. Yet it also seems that she's just like the average person in a lot of ways when it comes to financial priorities, just on a much bigger scale. This might seem strange, but I kind of like like this goes against the idea that all wealthy* people are super savvy investors who don't spend anything. *in her case, wealthy? Or just rich? Some would argue that there's a big difference.
Hey Graham, I did some research and I found out that Monica is Shelby Church’s sister. Have you ever thought about doing iced coffee hour with Monica Church?
When my cousin bought their place, I saw a wine at a corner and my cousin said "That's from my real estate agent". So maybe that's it? Real estate agent gives wine to their client?
Interesting point that Graham makes that it took couple of years for the youtube to take off. It always seems like it's taking long, but even for Graham, it look time
When it comes to that $6000 first-class flight, I have a close friend who truly embodies an Abundance Mindset. From observing him, I’ve learned that if he wanted that flight, he would go ahead and book it. But here’s the twist: he would either find a way to avoid paying the full $6000 or find a means to earn that money back. People with an Abundance Mindset don’t think in terms of limits but in terms of possibilities and opportunities; they are creative in finding ways to get what they want.
If you dont drink on the regular you probably wouldn't notice the difference between different alcoholic beverages. Its similar to people who dont drink soda. Most wouldnt be able to tell the difference between coke or pepsi.
Lol that porsche ain't good enough to pull a trailer? roflol. when that thing was made they were pulled by tiny cars. that Porche looks big enough to pull anything.
stupid decision to buy an old Airstream and renew it at double the price of the new Airstream, which look exactly the same as the old vintage one she has
When you’re dating or in a relationship, yeah you’re spending money on activities and food is perhaps the biggest expense. Iced coffee ☕️ can only go so far Graham 😂 with the ladies Graham.
Ill tell you why people dont like rocket money, its a poorly configured UI i tried it for a few months and it was easier to just write everything down by hand
Here's the thing about buying while married, you split it 5050. If you buy it with someone who isn't your spouse I'd imagine the amount of money invested into the house by each partner would determine the proportion each receives. So in her case if they fought over the house she could prove that she paid far more into it, she'd probably get the bigger portion. I suppose if both names are on the deed, then it could get messier.
I can't even fathom making $500K/year. The fact that her sister makes $1M/year is twice as hard to fathom.
You are mathematically correct
xD
God damn. Is she single?
@@ironwolph No
@@ironwolphyes. Both sisters are single.
She mentioned in a previous video that she bought the Air Stream as a fun thing to fix up to turn into an AirBnB, but it turned out to be far more expensive than she anticipated. May as well finish the job and enjoy it. After spending that much money on it, I would want to go camping in it myself before renting it out.
Have you had Monica on the Ice Coffee Hour? If not, I would love to see her on your show. I respect her for her success.
one day for sure!
What’s her IG
@@TheGrahamStephanShow You'd probably disagree but I feel if a real estate agent pulls up in a flash car I feel like that they are a hustler and not someone I want to do business with.
I have been watching Monica and Shelby for years! I love to see how successful they've become! Also, I love these reaction videos, they are my favorite!
They are both very successful and should be very proud of what they have accomplished so young.
That sucks about the Rocket Money sponsorship- I got Rocket Money after hearing you talk about it on your channel and love it! I didn’t use to budget at all and now I’m obsessed with it- I like your take on game-ifying saving
This was one of the best reaction videos! Very entertaining
Those sisters are such Rockstars! I really appreciate their content
Impressive video. I started a bit late (graduated from my doctorate program at age 30 in 2014 with 170k in school loan debt). Managed to pay off my debt by 2019 and currently have a house and 250k total in investments (combo of profit share, 401k and a brokerage account). I'm not very knowledgeable in investing, so I just have my investing currently in index funds mainly Too but have been putting a lot into Schd the past few months. I don’t know if that's the optimal strategy, but psychologically it is very set it and forget it, and prevents me from obsessing over individual stock performance.
I’m thinking of doing the same but not sure if I should use different brokerage accounts? Just curious. Pros and cons?
Instead of using different brokerage accounts to purchase index funds or individual stock, compare your age(s) and how much time you have estimated till retirement, you can also opt to consulting/working with a fund manager/advisor for an “optimal strategy” to outperform the bear market.
@@james.atkins88 Please tell me how i can meet up with your financial advisor, My funds are being murdered by inflation, therefore I'm looking for a more profitable investing strategy to put them to work.
@@james.atkins88 Thanks for sharing this. I did my own little research, and your advisor looks advanced and experienced. I wrote her and dialed her twice but she didn't pick up so I scheduled a phone call. She is experience can't wait to have a chat. I hope she doesn't ignore me.
You'd have no knowledge if you fall for these scams. Psychologically speaking, you won't forget it, and will obsess over that performance. We're in a bull market and can park the “optimal strategy” to outperform the bear market.
YAY! I've been waiting for this video. Thanks Graham.
You got it!
@@TheGrahamStephanShowhi graham stephen how are you
Do you know Monica church
I watched this a few days ago and as I finished it I said to my self "I cant wait for Graham's reaction vid" ,I knew it was coming!
For some couples, they're relationship works better when they have separate bank accounts. When they spend the money, they won't be arguing who is depositing more money into that account. It can get messing. It's worked well in my relationship.
If you're married - no. You need to be fully transparent and accountable. Separate accounts almost always end in a bad way.
That works okay until one spouse secretly develops a spending problem and starts racking up debt
@@thedopplereffect00 When you're married and you take those vows (and you mean them) - your spouse's problems are your problems regardless if combined or not. Separate accounts allows for more "hiding" and then the marriage goes into shambles when one partner is asking for help and the other isn't willing to because their mindset is "what's mine is mine and what's yours is yours"
@@thedopplereffect00 I married my wife and paid of her student debts right away. The amount of trust that instills in a marriage is immeasurable. We both hold each other accountable and build each other up. That's how a marriage should work.
@@andrewparry7300 I agree, that was what I was trying to convey. Some people think everything is okay with separate accounts, but they might not know what's actually going on until it's too late.
I really wasn't concern about what my Real Estate's car was. I was more concern about how good they were at their job and how well they treated their clients. I don't judge on what car they drive. Some agents are really bad at following up keeping you updated on what's going on and the client shouldn't have to keep contacting them to get an update.
Good points!
I'm sure Seattle is extremely expensive for sit-down restaurants, but they have as wide a range as anyone. Red Mill Burger on Magnolia is probably the best burger I've ever had.
Love listening to you talk
I'm speculating that its easy to lose track of your finances when you have so much to play with. When you have (significantly) less money to work with you have to manage it to make the most of it.
I just want to say I love smashing the like button for the TH-cam algorithm I want to say I love subscribing to see more and I absolutely love watching the odds all the way to the end so I can give you my one penny and I love you gram. Thank you for the content
5:02 maybe you should stop WINEing about it 😂
She sounds just like her sister. You should bring Monica on the Iced Coffee Hour podcast!
Keep up the great work! ❤
thanks!
Hey Graham! I would research some skincare products that contain retinol which is a great ingredient for fine lines and wrinkles!
I love how he forgot this isn’t Graham After Hours when he saw the wine expense 😂
“What the hell is that?” 😂😂😂
Please give me a heart Grahm, I love your content!
Here you go! Thanks!
For a lot of companies now reporting a credit card as lost/stolen they don't allow new purchases, but they allow recurring subscriptions to continue.
Yes many just roll it over because it's not really a new account just a new number on the card.
Literally got a RocketMoney ad after you talked about Rocket Money 😂
I can’t get over how similar these sisters are! They sound so similar!
they're twins lol!
Love to see a crossover between my favourite TH-camrs!
I love Graham. Something about him makes me feel safe.
This channel wouldn't exist without the Church sisters. 😛
GRAHAM I HOPE YOU'RE HAVING A GOOD DAY BUDDY!!!!!!!!
YOU TOO!
Airstreams are so heavy and impractical. They have less space, use more gas to tow and you can spend the same money for more space with other campers.
MM and those style of videos are my favorite in this 2nd channel.
I agree with you about the buying before marriage.
There is always a little thought in my head about what you would say every time I reach for something silly. Keeps me a little more honest I would like to think. 😂
I'm so confused now. Which one have I been watching all this time? both of them? I had NO IDEA there were two of them. haha
Nice assessment, presented in funny and captivating style, thumbs up 👍
It would be awesome for you to do a video on someone who earns like $40k or $30k a year.
You went to Croatia? Hahaha cheers from Croatian audience here :) You planning to go again sometime?
Poor Jack, he wants to be reviewed on the Graham Stephan Show haha
wait a miniute is that monica or shelby talking when i click in to monicas channel? cuz u won't be able to tell the difference ahahaha 🤣
Buying a house with you’re bf. What could go wrong 😬
WA is a community property state - marriage assets basically go 50/50. mutual ownership might offer easier way for a favorable split.
“I should be like ‘wiiine’” haha. You’re so funny Graham. I love these videos you do :).
I'm 32. I make 470 000 NOK a year (47 000 dollars). I'm debtfree. House paid off.
I got a rocket money ad on graham speaking about rocket money lmao they decided it’s better to sponsor ads on the video than paying graham for it 😮
Aww man, I heard graham say he booked a 6k$ first class seat to Croatia, and I was waiting for him to tell us how he found an award seat to get it for free by transferring his Amex points to ANA or something…
Even by going with the economy seat I feel like it’s not worth it. You could probably get that with 20-30K points each way, and make a video about how you got it for “free”
Ooof average mortgage in Seattle around me is 5-7k a month
We need a video where you stay at their air bnb in palm springs!
Hey Graham! Are you going to do your portfolio/networth 2023 video?
The wine must be for gifts to clients, informants etc.
Not the first time I'm suggesting this... but you really should invite her on The Iced Coffee hour 😎
Wineeee is she spending that much money on *WINE* 🤣
Honestly I respect that you didn’t buy a $6,000 first class ticket. I think 6k for a 12 hour flight is an insane amount of money. I think it’s fine to let some life style inflation set in since you save so much money but still, 6k, nah
Funny to read this as my driving motivation to build wealth is that I want enough money to always fly first class without a second thought. It’s so much better, it’s worth it especially exactly on those 12 hr flights you mentioned.
I believe if you are in California at a residence you own more than 42 days per year California you are a resident. You will pay income tax on everything.
She did leave out the place her and her boyfriend live, Shelby is part owner also.
people have more than 4-5 subscriptions? i dont see why anyone would need rocket money. how hard is it to look a monthly statement? what a joke
Restaurants really love it when you bring your own wine
Waiting for you do review jacks video lol
I love the vids I just feel like some people buy things for sentimental value and not always just investments. The trailer she prolly bought for something her and her dad could work in together. Same goes for things like hair, nails, clothes and etc some of it is just things people do for themselves not always about finding ways to cut costs. If it was someone that was in debt it’s understandable but not people that are responsible and have the monet
Def some things to criticize or at least question. Yet it also seems that she's just like the average person in a lot of ways when it comes to financial priorities, just on a much bigger scale. This might seem strange, but I kind of like like this goes against the idea that all wealthy* people are super savvy investors who don't spend anything.
*in her case, wealthy? Or just rich? Some would argue that there's a big difference.
Hey Graham,
I did some research and I found out that Monica is Shelby Church’s sister. Have you ever thought about doing iced coffee hour with Monica Church?
When my cousin bought their place, I saw a wine at a corner and my cousin said "That's from my real estate agent". So maybe that's it? Real estate agent gives wine to their client?
Interesting point that Graham makes that it took couple of years for the youtube to take off. It always seems like it's taking long, but even for Graham, it look time
When it comes to that $6000 first-class flight, I have a close friend who truly embodies an Abundance Mindset. From observing him, I’ve learned that if he wanted that flight, he would go ahead and book it. But here’s the twist: he would either find a way to avoid paying the full $6000 or find a means to earn that money back. People with an Abundance Mindset don’t think in terms of limits but in terms of possibilities and opportunities; they are creative in finding ways to get what they want.
If you dont drink on the regular you probably wouldn't notice the difference between different alcoholic beverages. Its similar to people who dont drink soda. Most wouldnt be able to tell the difference between coke or pepsi.
Great video
Lol that porsche ain't good enough to pull a trailer? roflol. when that thing was made they were pulled by tiny cars. that Porche looks big enough to pull anything.
When are you going to Croatia, Graham? I plan to visit the country where part of Game of Thrones was filmed soon :)
Monica will not be driving a Ford F-150! 😂
I agree with you Graham that I feel that Monica buying a house with her bf right now is a mistake.
She is flying Delta Business Class, not First Class like Air France.
I thought this was Shelby the whole time.
"Ah don't text me, stop it" 😂
Dude, upgrade your flight. You will feel better and not waste a days recovering from the flight.
Your lunches with clients are a tax deductible.
i completely agree on only buying something with your husband/wife never bf that’s wild!
stupid decision to buy an old Airstream and renew it at double the price of the new Airstream,
which look exactly the same as the old vintage one she has
Graham finally traveling? About time lol
I love rocket money but I already signed up with someone else a while back
When you’re dating or in a relationship, yeah you’re spending money on activities and food is perhaps the biggest expense. Iced coffee ☕️ can only go so far Graham 😂 with the ladies Graham.
1:18 @Adam Ragusea vibes
Where is the best place to invest in real estate through a crowdfunding option/ hands off investing?
We finally hear it 👏🏿👏🏿👏🏿. Dont buy with boyfriend girlfriend. 30 years on the hook 30 years!
GRAHAM USE FROWNIES!!! It’s a way to not use injectable’s like Botox, but still smooth out forehead wrinkles.
Wait...she makes 500 thousand a year normally....why would she not pay off her home? I would not carry that month after month.
I thought it was a sponsorship for rocket money 😂
Ill tell you why people dont like rocket money, its a poorly configured UI i tried it for a few months and it was easier to just write everything down by hand
Being 35 not counting my husbands income. I not even make 50k a year😅😢
Look into Frownies instead of Botox. Cheaper and non-toxic.
I wish I had millennial money 😆
14:12
Bring your own own flask. 😂😂. Classy Graham.
The restaurant will kick them out and not allow them back. Problem solved at that restaurant.😂😂😂
Only if you get caught 😂
This algorithm is the way
The air bnb is an investment in palm springs with her sister that they lost money on year one
Try retinol before you try Botox, Graham! Pretty good for your skin.
Here's the thing about buying while married, you split it 5050. If you buy it with someone who isn't your spouse I'd imagine the amount of money invested into the house by each partner would determine the proportion each receives. So in her case if they fought over the house she could prove that she paid far more into it, she'd probably get the bigger portion. I suppose if both names are on the deed, then it could get messier.
God forbid if her boyfriend passed away, now she owns a house with his parents.
No! I think the $400/month on wine is for a wine club. Wine when she eats out is additional!
She's awesome!
The idea behind rocketmoney is great and i would sign up, but in my case. my bank offer me that service. so i don't need it...
cut back on $400 a month wine? bro she only spends around 120k a year shes still able to save 380k lol