00:47 1. Haircuts - $35 + time saved on driving & waiting. 01:44 2. Fast Food & Frozen Food.: $1200/yr savings. 02:58 3. Gym Membership. 04:02 4. Changed Car Insurance - Because less driving. 05:01 5. Parking: Fee + Time looking for parking. 06:04 6. Clothing: Reuse or borrow used ones. 06:50 7. Rental Properties. 08:40 8. Fruits and Herbs : Grow your own. 09:34 9. Latest Tech: Sell your old tech and buy last years tech or don't buy at all. $500/yr savings. 10:37 10. Cat Toys: Grahamify your cat and Give it boxes and straws to play.
lower car insurance prem due to less drive miles??? Maybe that is a CA state law? I just know the answer to the agent should be 12000 or less a year. Hum; maybe I should say less?
I was bragging to my doctor a couple years ago when I quit cigs at the age of 25, he smiled and said "damn, you're costing my son a lotta money down the line when he takes over the practice". I really hadn't even considered the financial aspect of things like cancer when I quit, it was just the health aspect overall. Made me even happier with my decision.
You can also save a fortune in healthcare, if you leave the United States - which sadly seem to delight in making being healthy something only the well-off can afford. 😔
FINALLY. As a gardener and a TH-cam gardener, Graham mentions gardening to save money....546 videos later.....I've been waiting for you to mention this man!!!
@@EmilyGloeggler7984 what parts of gardening makes it not worth it? I've been an on-off casual gardener but I want to expand my gardening without feeling like it's a lot of work. What's your experience?
@@EmilyGloeggler7984 as an on-off gardener myself, I've just gotten back into it! I'm aware of the stresses, particularly pests (birds and rodents.. they eat my herbs!)... but I realise now that I was also making some very basic mistakes, putting plants in the wrong location in the garden with too much sun, soils that dried out in pots that drained too fast or heated up, overwatering with mains water that has too much chlorine which killed the soil bacteria. Not fertilising enough through repotting with organic compost. Don't struggle with half healthy plants! I now only accept excellent growth. Just like with my investments 😉
Love this. You've helped me save money in the past and your program helped me build my TH-cam channel into a full time gig. You changed my life, Graham. Thank you.
You just described country living. That 20 minute one way drive to the nearest "city" really helps you not wanting to make many trips. Buy in bulk, garden, nothing wrong with hand me downs, and while I don't have a cat, I do have a spoiled rescue dog. A dog who has way more toys than he needs. Great video!
Hi Graham! With Fruit and Veg, with you moving to Las Vegas soon, you'll have to double check what will grow there and adjust. You may have to continue to plant in containers rather than planting directly into the soil or make raised garden beds/green houses. Thankfully there are really cheap ways of doing this, some areas of the USA provide free compost to backyard growers, and a lot of people think about gardening and then go to throw out their green houses or garden sheds which you might be able to pick up on a dumpster dive and/or craigslist/ebay rather than paying full price. Potatoes, garlic, and ginger are three things that you can plant at home from what you already get from the grocery store. (Ginger needs to be inside at the start of its life, Garlic needs to be outside in late fall to benefit from a frozen/cold winter, and potato crops can yield decent returns if your soil is soft and right nutrition levels.)
To stop buying starbucks would put them out of business. Instead, buy it very rarely. Maybe a couple christmas occasions or their 2 dollar pike place in emergency situations.
The way I get high quality food for low prices, is, I wait for it to all go on clearance, then I buy ALL of it. I clear shelves of high shelf-life items, often organic, high in protein, or if not organic, known to have really low pesticides. So, I wind up with a surplus that buffers me out to about 1.5 months. I use that 1.5 months to acquire more things on clearance, so I always keep that buffer and am buying at the absolute lows. It's like 570ck5. Buy on the dips. My general rule of thumb is: acquire meat at 6 dollars a lb. or less. Acquire everything else at around 2.70 or less per 900 calories (a heavy meal). Buy grains at under 15 cents an ounce, preferably 8 - 11 cents, since that's what I bulk-bought most of my organic grains at. All perishables go in the freezer and I keep it always topped off. All grains wind up in airtight containers (6 month reserve) , vacuum-bagged and out of light (2 year reserve), or double vacuum-bagged, O2-packeted, out of light, and packed with foam and paper into boxes (25 year reserve).
I pay 10$ a month but I have a water gallon that I drink and fill back up everyday at the gym for free. The gallon cost 86 cents so I am not only saving the 10$ but I am also saving from buying water. 86 cents x 30 days = $25.8. The gym is 3 minutes away driving because of no traffic so I am also saving in gas
I have only bought one piece of under-armour to wear as an under layer to keep me warm. I wear them everytime i go outside and I now own three which means this investment has allowed me to save time and money on washing.
I'm sure that after they move to Vegas, California will send him a retroactive Tax bill for the $2.50 tax portion he never paid to a business, plus a $100.00 fine, and a $75 bill for the Feed the Venice Beach Homeless fund.
Graham I know you probably wont see this but I just want to thank you for showing me how to be responsible with your money. I'm 16 and I'm currently saving up for my first rental property. I started a month ago and ive saved up $1000 and I've read all the books you have recommended(Rich Dad Poor Dad, Think and grow rich, How to win friends and influence people, and a few more I picked) Anyway just thank you for making videos, You are who I inspire to be, keep up the amazing work.
When he said "I finally stopped buying starbucks coffee" I felt so betrayed for a moment cause I was like "wait you were secretly buying Starbucks this whole time you went on about 20 cent iced coffee!!!" 😂
Great Video Graham. Here's one more thing that I've been doing for a while with my clothes to ensure that each of my dress shirts gets worn the same amounts. Side Note: All my shirts are name brands such as Chaps, Izod, Croft and Barrow and were bought on clearance at the big name department stores for 80% to 90% off. I had most of them tailored to fit since I'm totally OCD about a bunched up tucked in shirt. I labeled all of my shirts from 1 to 27. Yes, I have 27 dress shirts! I also labled their respective hangars as well. I have a clip board with the list of my shirts. Every time I wear a shirt, it gets a tick mark. I make sure all the shirts have the same number of tick marks to ensure each shirt is getting worn. Every 3 times the shirt is worn, it gets washed, and I put a W on the clip board. This ensures a full useful life of my shirt inventory. And FYI, I work in an air conditioned office (prior to the virus) so I never sweat up my shirts. I know some people wash their shirts every time they are worn.
I love saving and investing, and my friends would even say I can be frugal... but at the same time it’s okay to sometimes buy yourself a lil something once in a while, don’t have to be insanely stingy
I was stuck in the idea of being a minimalist in all aspects of life, as well as being very frugal. I found myself becoming very OCD and felt a wrench in my stomach every time I spent money. If you enjoy getting haircuts, get haircuts. If you enjoy drinking Starbucks lattes, drink them. Just find a balance. Mine is to make sure I max my retirement accounts and then l will buy myself things I want and don’t need, because it is okay to enjoy luxuries. Take care of yourselves, this way of thinking may seem logical and you want your money to “work” but life is uncertain and short. Enjoy it
Most people get used to it and some even find out that they enjoy minimalism and frugality. Of course it doesn't work for everyone, and if it affects your mental health you should take care of that first and foremost.
Exactly! Saving money on useless things is one thing, being frugal or a penny-pincher is another. There's no point in saving money for the sole purpose of saving money if you don't enjoy it, life's worth living if you're actually living, and not just existing. There is value in getting a bit more cautious with your spending, when your goal is saving now to spend later (like a bigger purchase), but it's not worth to save money to not do anything with it your entire life.
i recently saved for a house and i was obsessed with checking my account balances multiple times a day and felt regret every time i swiped my card. it was miserable so i feel this 100%
@@lanceforehand4096 I’m happy to see other people struggle with this mentality as well. As long as I have all my bills paid and a safety cushion, then I will buy the overpriced Buffalo chicken pizza.
Graham, THANK YOU for always putting things in perspective. You're right, I don't need a new $1200 phone, the $600 last year model will do just fine AND its a huge upgrade from what I have.
That haircut point is so true! Ever since covid started I learned to cut my own hair, decently actually. Every 2 weeks I give my self a nice cut to my liking.
Last year as a first year med student, my wife and I were out of money by this time of year. This year, we have 3 months of savings. I do the things in this video 1. My wife cuts my hair. FREE 2. We haven't eaten out since January 3. Our apartment has a free gym center. Runs are free. Push ups are free. 4. Shopped around for car insurance. 5. No more expensive LIRR transit. No more commuting! 6. I wear black T sihrts. I wear scrubs. No more new clothes! 7. Okay... no properties for me yet. Lol 8. Shop at Aldi. Spend less than HALF of whole foods or trader joes for perfecty fine fresh food. 9. No more new phone (or watches, shoes, etc) to impress OTHER people you DON'T care about 10. my two cats LOVE those reusable shopping bags. they cost 10 CENTS!
Nah, everything will go back to normal before you can say "please don't cut your own hair". Most folks are way too weak to resist spending beyond their means.
@@BlockThrone it's not about spending beyond one's means, it's about life going back to normal settings and people forgetting everything and living like they did before . 🙂
@@habib.h5921 that is the norm though, folks spending way more than it's necessary. I think as soon as folks feel even remotely safe again, they will spend like before (and more to make up for the lost time) and everything will go back to normal in no time. Tourism is gonna rebound like crazy for example. People can't wait to travel again.
Just the sheer fact that you are making as much as you are has inspired me to save money and not make stupid financial decisions. Just because you are rolling around with millions in your bank account and have dozens of houses and cars has created such a high level of envy in me that fuels me to be as financially savvy as you. That is my aim. 🤩❤️🙏
all of this makes sense for the lower, middle class and upper middle class, but when you're making 4m a year none of this is necessary. you could have the most expensive insurance, the newest iphone every year, pay for parking, $100 meals dining out every day, buy a few designer clothes/bags a year etc and and still have millions left. i understand and support living frugally, but at some point it makes sense to increase spending and enjoy the money. money gives you the ability to do things that most people cant, and if you're living extremely frugally, like you're on a minimum wage salary, its just a bit over the top. ive set 40 as my age where i will loosen up on my frugality and enjoy the fruits of my labor more, but i definitely wont be buying designer gear lol. ive heard several calls on the Dave Ramsey show where people never got out of the mindset of frugality and they are like "im age 85 with 5m in my retirement fund, and i live on 20k a year. can i afford to buy a $300,000 lake house to enjoy with the great grandkids"? 🤦♂️
prostitution is legal in parts of nevada......... what a 30 min drive from vegas ? just saying if you are serious about cutting costs .. ;p variety is the spice of life right ?
@@GrahamStephan I was a boy. They were two girls. Can I make it any more obvious? I am the ULTlMATE L0VER on this platform. Don't enter my ch*nnel if you are not above a certain age, dear grahaj
Hey Graham, is there any chance you'd ever consider doing a "Finance for beginners" type of series? For those who find it hard to grasp the basics of finance because of lack of proper education on the subject, or parents who'd never given them any advice on it. Many teenagers become adults without even knowing the meaning of a 401k, Roth IRAs, credit scores, investments, etc.
10) totally agree! My cat loves to play with bottle caps, straws, and old shoe laces. The only thing I buy for her anymore is little cardboard scratch posts so that my couches are safe. She loves the simple things! 😸🐾
Great video! I’ve started doing a couple of these things over the last couple of years since I got my first apartment. The fast food one is no joke. I would be so tired after work I would just get fast food at least once a week. When I worked in the office I also bought a ton of frozen meals for lunch. I’ve cut out frozen meals entirely and don’t miss them! Also, since my stove is closer than my car now that I’m wfh, it’s easier for me to cook now (and my husband helps me meal prep so I don’t have to think about what to make. We know on Sunday what food/leftovers we’ll have).
@@markberlanga6375 you drink cause your working at Starbucks,🤔 or your drinking at Starbucks cause they have drinks, I hope you understand the easy confused situation if you can clarify 😐 🙃👌
@@Noname-ez3ru sorry but you seem to be the only one who is confused . I drink there while i am working because while I am working there, the drinks are free . when I am not working there; I dont drink there . starbucks have good products but they are overpriced . when you go there you are also paying for the use of their " third place " concept . You pay for that even when you go use their drive through. But they have become a cult . there is now a secondary market for starbucks gear and cups . so right there is another opportunity to make money buying and selling their wares on the secondary market .
Graham, I'm feeling 35 and going on 65. There are many programs for the 55 and up crowd that reduce our property taxes, utility bills, and discounts on many other things (people can search on the net), I also found out that AAA car and home insurance don't pay to advertise like those other insurance companies like Progressive, Geico, for rate competition, etc and they are usually cheaper. I don't smoke, have a good driving record and, if I take a 3 hr online course for driving then my car insurance will go down $10.00+ a month. Another BIG money savings for me: I have learned to fix and do many rehab projects around the house from a couple rehabs on my country house (damn renters!) and I learned a lot from YT. I recently learned how to put on roofing over my back decks, put in another couple circuit breakers and wire electricity from my house to my shed, put in switches and outlets; I insulated under my home and in my attic (Yuk) but it saved me at least $3,000; sealed my duct work under the house to stop cold air from seeping in, replaced boards on my decks (ok, that is easy). reframed a large glass 8 paned wall on my outside deck, and when I get my rear in gear I will be buying a part online and put an actuator in my van side door so it will automatically open and shut again. The newer cars are harder to work on so I usually have my mobile mechanic do the heavy under the hood/chassis stuff - but I did most all the putting in parts, timed and gapped plugs, including wiring my '67 Chevy Impala when the wires caught fire! I was 17 then. Learning how to do all these things gives you confidence and a feeling of independence. Although I'm not the greatest cook, I always seem to find the boyfriend who is good at it and I'll do the dishes! A win-win! I just discovered you and your cohorts today and been binge watching you all. I'm learning so much from all of you, subscribed, and of course hit the Like Button! I want to start a YT channel and have the same anxiety as you all had in the beginning. Yet, I have no idea what to do but I'm writing ideas down. I've been a Mental Health Therapist, Hypnotist & NeuroLinguistic Programmer and Consultant, student of Quantum Mechanics and LOA, Flight Attendant and a few other side careers tucked in here and there. I've got skills and I'm ready for something new but I don't want to start a YT channel until the desire and passion of an idea hits me. I didn't expect this would be so lengthy but I want people to think about what it is they can learn to do on their own and it starts with baby steps - first in your MIND: make a Choice to take a Chance or your life will never Change! Hope you'll see me on a YT channel one day! : ) Tia
The next my steps to learn English were Netflix with my favorite TV shows and various training courses in English. Now I will listen Graham. I like that you speak quickly, without pauses. My brain turns on.
Always pick the free parking even if it's alittle further then your location. And hey we get to add little walks during our "busy" day which is always good for our health and mobility!
I saved a lot of money on my wardrobe by getting a part-time job during the Christmas season last year. I worked at Talbots and purchased business attire, sweaters, and coats. You get 50% off with your discount and if they are marked down towards the end of the season, you get 50% off the marked-down price (which could already be 50% off). I saved a lot on Christmas gifts - buying whole scarves, sweaters, blankets, etc. for everyone.
Hello Graham, I m 15 years old and I‘m following your channel for over 2 years and I m a silent viewer but damn I really need to thank you for the great value you put out here for FREE.
@@shaereub4450 my work has labels on everything, and the Graham cracker drawer says “Graham’s crackers” and I automatically thought, dang Graham’s already claiming the free crackers 😂
I like to come to Graham as mentor when I need to learn something new or get his perspective on investing ideas. Thank you Graham for doing what you do. Please don’t stop
Thanks for sharing your comment. Aside from TH-cam ads generated income Bitcoin investment is also another of my income stream, it could be yours too Write my manager Scott Walters on What-sapp, to make great profit in BTC. He's currently trading my cryptos for me and he raises huge profit.
@@grahamstephan8782 If I had more time and a little more money that would be something I would be interested in. I am still in school and during my lunch break I open my Webull app and do a little trading every once in a while
1. Haircuts 2. Fast food 3. Gym membership 4. Changed Insurance 5. Avoid parking fees 6. Don't buy new clothing 7. Stop buying rental properties people. Stop. 8. Start a fruit & herb garden. 9. Stop buying a new phone each year. For real. 10. Pet toys As always, thank you for the videos Graham. Do you mind doing a quick recap at the end of each video with a list of what you covered?
ive been really struggling this past year and your videos have really been helping since i found your channel in November! i always wanted to be financially successful but always shot myself in the foot from over spending, wasting money, lack of knowledge and so on. this year i fell into alot of debt from the lockdowns but after watching these videos im starting to feel better about the situation and am starting to plan and scale a way out of it and into a steady living. This video specially right now was really helpful you don't realise how much things like coffee and fast food add up in the year not to mention over paying on things! cheers Graham you do a great service here and its lovely not being constantly up sold poor courses and false promises.
@@Archonsx Bruh it’s a joke. My boyfriend and I equally do things for one another because we appreciate that we have each other. I have a college degree and a highly paid salary job- thanks though!
The ultimate hack is to just not eat eggs. Building a whole chicken coop and buying chickens, taking care of them feeding them, just so you can eat some eggs? Seems silly tbh
I'm so happy to hear about the change in your diet :) From a financial point of view, eating well keeps you healthy and may prevent huge medical expenses in the future (type 2 diabetes and such).. Same as working out (from home is the best, you can do it whenever you wish and wear the most embarrassing clothes while doing it =])
Nice. Good ideas stopping fast food, coffee shops, rentals. I like the gyms. I wore out two outdoor bicycles this year. They were old. I seen a new one the other day for $189. It has plastic rims!!! I think I'll fix my old ones.
I have such good memories of going to my grandparents house where they had several acres of a garden and picking veggies. My dad sold the property though :(
Great video! I agree with everything. Unless I have a car. I use a taxi. I take a taxi to buy groceries. The place where I live is easy to use and costs about $ 2. Also I don't have Rental Properties. I would also recommend choosing low-cost places to stay to save money. I started thinking about finances and investments, and then your video with Marina appeared on TH-cam. I love minimalism. A couple of days ago I was thinking about how I can grow herbs at home. I also agree about clothes. I have two pants. As soon as they wear out holes, I will buy myself new ones.
All those spending stats you gave is mind blowing. I've made my whole wardrobe last for years without buying anything new. Until last Christmas I was using an iPhone 6 that I got also as a gift when those first launched. And the only reason I upgraded that was because of an unfixable fast battery drain issue. If not for that I'd use it til the circuits burned out.
But Graham, I work 12 h shifts, how do I fit in time to cook, wash dishes, learn recipes, and some meals require a lot of preparation. FAst food and frozen food are easy prep, and quick.
1. Agree with StarBucks 2. Yes I to started to build my own gym in the garage and after the initial investment , should save me about around 1k a year. 3. Wife does my hair and it actually looks just as good as my $30 haircuts. 4. Since we are not driving two cars anymore during covid, we placed one of them into storage mode. This saved us around $50 a month. Good vid
This year has been exceptionally tough and you've taught me a lot about finances and I'm thankful for that. I've gotten use not buying anything except for the essentials. Even through losing a job and having to find another I've been able to save money. Ive been able to make important investments too and even start a TH-cam channel. Thank you for all the help
I've been cutting my own hair for 15 years. Love love love this one. I went cheap, $24 special at Target. But seriously, I cut my hair every two weeks. Multiply that out and let me know how much was saved :)
It's so nice to know that you're growing your own food! It's great for the environment and for your health. And buying less clothes!! Environmental King 💚💚💚💚💚💚
Growing herbs is definitely good for the environment, but growing your own potatoes is not necessarily good for the environment. Big farms use less resources per pound for producing really large quantities. But something you need in small quantity like herbs? That's definitely gonna save resources.
@@berksarioz969 what about gas fees , storage fees employee fees , the price difference from buying a few seeds will definitely save the difference , if we were a intelligent species as a whole the difference saved can be used for sustainable and green energy like solar and wind and not be dependant on a monopoly system that is always one week off being completely broken most countries don’t have enough food to store for there people , growing you own gives security for your people when food isn’t always aroundb
Parking is horrible here in Miami too. I've thought about a scooter or moped plenty of times but it's not feasible when you're grocery shopping or moving around with a family smh.
wait. the decor behind you is really nice. did you decorate yourself? how do you manage your time? are you maintaining your home on your own? how do you advise managing tenants when house hacking? seems a bit awkward if using a property manager but I really wouldn't want to self manage in that circumstance either. what is your experience? Thanks Graham!
Hah! Get on my level, Graham! I don't even have a car anymore! No insurance, no fuel, no maintenance, no parking. If you're only going within 5 miles of your home, a bike will suffice if you don't have good public transit. That might not work for you in Vegas, but it's worth considering when you inevitably move again.
1. Stop going to the barber, GF cuts his hair -> GET A HAIRDRESSER GIRLFRIEND 2. Stop eating fast food 3. Exercise at home - Canceled gym membership 4. Changed car insurance 5. Stop paying parking by using a electric folding scooter 6. Stop buying new clothes - wee can see it in your sweater 7. Stop buying rental properties - Like any ordinary citizen 8. Grow your own fruit & herbs 9. Not buying the latest tech 10. Stop buying cat toys -> GIVE HIM A BOX
00:47 1. Haircuts - $35 + time saved on driving & waiting.
01:44 2. Fast Food & Frozen Food.: $1200/yr savings.
02:58 3. Gym Membership.
04:02 4. Changed Car Insurance - Because less driving.
05:01 5. Parking: Fee + Time looking for parking.
06:04 6. Clothing: Reuse or borrow used ones.
06:50 7. Rental Properties.
08:40 8. Fruits and Herbs : Grow your own.
09:34 9. Latest Tech: Sell your old tech and buy last years tech or don't buy at all. $500/yr savings.
10:37 10. Cat Toys: Grahamify your cat and Give it boxes and straws to play.
U r a hero.
Thanks for saving 13minutes
Thanks
Thank You
lower car insurance prem due to less drive miles??? Maybe that is a CA state law? I just know the answer to the agent should be 12000 or less a year. Hum; maybe I should say less?
One thing you should buy: a lint roller for the sweater.
I was wondering if I was the only one seeing that. Lint rollers are only a buck at Dollar Tree. 😉
Underrated comment
@@FlintIronstag23 same thoughts passed in my head lol
Absolutely
Or just scotch tape.
0:35 - !SMASH! that like button
0:47 - 1. Haircuts
1:43 - 2. Fast food
2:58 - 3. Gym membership
3:55 - 4. Changed insurance
5:00 - 5. Parking
6:03 - 6. Clothing
6:53 - 7. Rental properties
8:40 - 8. Fruits & herbs
9:30 - 9. A new iPhone
10:33 - 10. Cat toys
12:00 - Webull (sponsor)
Legend.
Thank you!
Doing gods work
He also puts his script in every video description. You don’t even need to watch his videos anymore.
@@DerekDeVere I want to watch the videos, timestamps just there to jump around.
Once you cut fast-food, you save a great deal of money in healthcare 20 years later
I was bragging to my doctor a couple years ago when I quit cigs at the age of 25, he smiled and said "damn, you're costing my son a lotta money down the line when he takes over the practice". I really hadn't even considered the financial aspect of things like cancer when I quit, it was just the health aspect overall. Made me even happier with my decision.
You can also save a fortune in healthcare, if you leave the United States - which sadly seem to delight in making being healthy something only the well-off can afford. 😔
FINALLY. As a gardener and a TH-cam gardener, Graham mentions gardening to save money....546 videos later.....I've been waiting for you to mention this man!!!
As an ex-gardener, I’m glad I left it. It doesn’t work for everyone and it actually does come with its own stresses.
AROO GARDEN GUAP GETTIN GANG
Word life
@@EmilyGloeggler7984 what parts of gardening makes it not worth it?
I've been an on-off casual gardener but I want to expand my gardening without feeling like it's a lot of work. What's your experience?
@@EmilyGloeggler7984 as an on-off gardener myself, I've just gotten back into it! I'm aware of the stresses, particularly pests (birds and rodents.. they eat my herbs!)... but I realise now that I was also making some very basic mistakes, putting plants in the wrong location in the garden with too much sun, soils that dried out in pots that drained too fast or heated up, overwatering with mains water that has too much chlorine which killed the soil bacteria. Not fertilising enough through repotting with organic compost. Don't struggle with half healthy plants! I now only accept excellent growth. Just like with my investments 😉
Love this. You've helped me save money in the past and your program helped me build my TH-cam channel into a full time gig. You changed my life, Graham. Thank you.
Happy to help!
The best crossover: Tasting the history of 20 cent iced coffee!!!!
@@Xanderqwerty123 Definitely a nice short episode : ) But if it meant I got to work with Graham!
@@GrahamStephan And here I thought you really shaved your hair lol
You would've looked like Les Grossman from Tropic Thunder
Posting up and coming artists for free everyday, check us out and support them 🙏😭
2020: Graham quits haircuts
2050: Graham breathes only once a minute to save oxygen
big brain
It's become so optimal that breathing is not needed
2020 Facemasks are already mandatory
2050 A full astronaut suit will be required with clean oxygen bought separately and billed daily.
So makes sense
2050: (once they monetize oxygen)
Graham: how I get oxygen for $0 a month
Maybe in 2050 oxygen is not free
I love that you're promoting gardening and self-sufficiency
Never garden, live in the woods and eat there that's real efficiency 101🙄 duh
Agreed! Plus it helps to relieve stress to garden
@@JazminBautista That's the plan. But pest change all that to the opposite.
You just described country living. That 20 minute one way drive to the nearest "city" really helps you not wanting to make many trips. Buy in bulk, garden, nothing wrong with hand me downs, and while I don't have a cat, I do have a spoiled rescue dog. A dog who has way more toys than he needs. Great video!
That poor dog deserves deserve all the spoiling the poor thing has been through a lot😂😂😂
Toys for dog ... stick to fetch, deer feces to roll in, squirrels to chase and kill.
Hi Graham! With Fruit and Veg, with you moving to Las Vegas soon, you'll have to double check what will grow there and adjust. You may have to continue to plant in containers rather than planting directly into the soil or make raised garden beds/green houses. Thankfully there are really cheap ways of doing this, some areas of the USA provide free compost to backyard growers, and a lot of people think about gardening and then go to throw out their green houses or garden sheds which you might be able to pick up on a dumpster dive and/or craigslist/ebay rather than paying full price. Potatoes, garlic, and ginger are three things that you can plant at home from what you already get from the grocery store. (Ginger needs to be inside at the start of its life, Garlic needs to be outside in late fall to benefit from a frozen/cold winter, and potato crops can yield decent returns if your soil is soft and right nutrition levels.)
“Stop buying Starbucks coffee” should be in every personal finance video until the end of time
Add bubble tea to the list.
@@PassionPno what that
What about the beans?
@@guessowii Boba
To stop buying starbucks would put them out of business. Instead, buy it very rarely. Maybe a couple christmas occasions or their 2 dollar pike place in emergency situations.
Glad you’ve cleaned up your diet. We need you here past 90.
will do casey!
Working on it!
The way I get high quality food for low prices, is, I wait for it to all go on clearance, then I buy ALL of it. I clear shelves of high shelf-life items, often organic, high in protein, or if not organic, known to have really low pesticides.
So, I wind up with a surplus that buffers me out to about 1.5 months. I use that 1.5 months to acquire more things on clearance, so I always keep that buffer and am buying at the absolute lows. It's like 570ck5. Buy on the dips.
My general rule of thumb is: acquire meat at 6 dollars a lb. or less. Acquire everything else at around 2.70 or less per 900 calories (a heavy meal). Buy grains at under 15 cents an ounce, preferably 8 - 11 cents, since that's what I bulk-bought most of my organic grains at.
All perishables go in the freezer and I keep it always topped off. All grains wind up in airtight containers (6 month reserve) , vacuum-bagged and out of light (2 year reserve), or double vacuum-bagged, O2-packeted, out of light, and packed with foam and paper into boxes (25 year reserve).
I got a part time job at my gym for a free gym membership because I didn’t want to cough up the extra money 😂
Ultimate hack! They pay you AND you save money 🤯
I pay 10$ a month but I have a water gallon that I drink and fill back up everyday at the gym for free. The gallon cost 86 cents so I am not only saving the 10$ but I am also saving from buying water. 86 cents x 30 days = $25.8. The gym is 3 minutes away driving because of no traffic so I am also saving in gas
Dude same here, I’ve been working at a gym up until quarantine and now I quit and I don’t wanna pay for membership anymore 🤣
Do you get single club or multi club access
What work do you accomplish on your run??
Gym aint a cost!
Is an investment in your health Graham, that glimpse of happiness that makes you wake up at 6:30am everyday!
Damn you sound like one of those morning people 😁
ohh my god $161 a month on clothes? I spend that in a year.
Innit. Rare exceptions to spend any more
Buy your clothes at GoodWill, or rummage sales. Or barter with street people.
I spend less than that on clothes in a year
I was quite shocked, but at the same time tons of rich people out there!
I have only bought one piece of under-armour to wear as an under layer to keep me warm. I wear them everytime i go outside and I now own three which means this investment has allowed me to save time and money on washing.
Graham: "Girlfriends can be kind of expensive"
Me: Absolutely obliterates like button
this is hypocrisy
brah " Kind Of?!!!" Been in a relationship for 6 years. My expenses are now like 1/3 as before at least.
I stopped using condoms, I am going to save a ton of money.
This might just be the smartest thing I've read all day
Kids are expensive, you didn’t think that through!
Ahahaha
@@jaybeebabee it’s sarcasm
Lmaooo
I'm surprised California didn't require her to get a "Spousal Haircut License" before cutting your hair
hahaha!
I’m dead😂😂
Cause they moved to Vegas
I'm sure that after they move to Vegas, California will send him a retroactive Tax bill for the $2.50 tax portion he never paid to a business, plus a $100.00 fine, and a $75 bill for the Feed the Venice Beach Homeless fund.
@@carlosarias2011 lolol my most popular video is about the crazy wealth tax proposal
Graham: 10 things I stopped Buying
Also Graham: I never bought things to begin with.
😭😭😂😂 why is this so true
Thank you for sharing.
“RAMSEY IS JUST AS FRUGAL AS I AM” LMFAO
true but ramsey would say buy a toyota and sell your house
I thought he was talking about the cat 😳
Graham I know you probably wont see this but I just want to thank you for showing me how to be responsible with your money. I'm 16 and I'm currently saving up for my first rental property. I started a month ago and ive saved up $1000 and I've read all the books you have recommended(Rich Dad Poor Dad, Think and grow rich, How to win friends and influence people, and a few more I picked)
Anyway just thank you for making videos, You are who I inspire to be, keep up the amazing work.
“And girlfriends can be kinda expensive” l love it 😭 😂
:p
Never getting married 😂
@@RobertA-bj7ou WTF, you loss your soul
@@azeeliaputri560 No, that comes after the divorce
@@azeeliaputri560 hey, marriage isn’t for everyone.
When he said "I finally stopped buying starbucks coffee" I felt so betrayed for a moment cause I was like "wait you were secretly buying Starbucks this whole time you went on about 20 cent iced coffee!!!" 😂
Great Video Graham. Here's one more thing that I've been doing for a while with my clothes to ensure that each of my dress shirts gets worn the same amounts. Side Note: All my shirts are name brands such as Chaps, Izod, Croft and Barrow and were bought on clearance at the big name department stores for 80% to 90% off. I had most of them tailored to fit since I'm totally OCD about a bunched up tucked in shirt. I labeled all of my shirts from 1 to 27. Yes, I have 27 dress shirts! I also labled their respective hangars as well. I have a clip board with the list of my shirts. Every time I wear a shirt, it gets a tick mark. I make sure all the shirts have the same number of tick marks to ensure each shirt is getting worn. Every 3 times the shirt is worn, it gets washed, and I put a W on the clip board. This ensures a full useful life of my shirt inventory. And FYI, I work in an air conditioned office (prior to the virus) so I never sweat up my shirts. I know some people wash their shirts every time they are worn.
I love saving and investing, and my friends would even say I can be frugal... but at the same time it’s okay to sometimes buy yourself a lil something once in a while, don’t have to be insanely stingy
I was stuck in the idea of being a minimalist in all aspects of life, as well as being very frugal. I found myself becoming very OCD and felt a wrench in my stomach every time I spent money.
If you enjoy getting haircuts, get haircuts. If you enjoy drinking Starbucks lattes, drink them. Just find a balance. Mine is to make sure I max my retirement accounts and then l will buy myself things I want and don’t need, because it is okay to enjoy luxuries.
Take care of yourselves, this way of thinking may seem logical and you want your money to “work” but life is uncertain and short.
Enjoy it
Most people get used to it and some even find out that they enjoy minimalism and frugality. Of course it doesn't work for everyone, and if it affects your mental health you should take care of that first and foremost.
Exactly! Saving money on useless things is one thing, being frugal or a penny-pincher is another.
There's no point in saving money for the sole purpose of saving money if you don't enjoy it, life's worth living if you're actually living, and not just existing. There is value in getting a bit more cautious with your spending, when your goal is saving now to spend later (like a bigger purchase), but it's not worth to save money to not do anything with it your entire life.
i recently saved for a house and i was obsessed with checking my account balances multiple times a day and felt regret every time i swiped my card. it was miserable so i feel this 100%
@@lanceforehand4096 I’m happy to see other people struggle with this mentality as well. As long as I have all my bills paid and a safety cushion, then I will buy the overpriced Buffalo chicken pizza.
I agree with it. One book which helped to realise is 'I will teach you to be Rich', by Ramit Sethi.
I stopped spending money on dates, i just dip out the back door after we eat when she not looking
Look it's a bird...🏃♂️💨
😂 oh no
Lol that's not nice😂😂
😂😂 Savage
Just be up front I’m just here to hit and quit are you too??
Haha
"Girlfriends can be kinda expensive" the FBI wants to know you location
lol
Graham, THANK YOU for always putting things in perspective. You're right, I don't need a new $1200 phone, the $600 last year model will do just fine AND its a huge upgrade from what I have.
That haircut point is so true! Ever since covid started I learned to cut my own hair, decently actually. Every 2 weeks I give my self a nice cut to my liking.
Any advice on how to learn it well?
Shaving your head is even better, and easier. No head lice either.
@@tommak6516 because everyone with hair has lice. Wtf
Last year as a first year med student, my wife and I were out of money by this time of year. This year, we have 3 months of savings. I do the things in this video
1. My wife cuts my hair. FREE
2. We haven't eaten out since January
3. Our apartment has a free gym center. Runs are free. Push ups are free.
4. Shopped around for car insurance.
5. No more expensive LIRR transit. No more commuting!
6. I wear black T sihrts. I wear scrubs. No more new clothes!
7. Okay... no properties for me yet. Lol
8. Shop at Aldi. Spend less than HALF of whole foods or trader joes for perfecty fine fresh food.
9. No more new phone (or watches, shoes, etc) to impress OTHER people you DON'T care about
10. my two cats LOVE those reusable shopping bags. they cost 10 CENTS!
@@bluepoint1939 we have a prenup
also, no. That isn't going to happen
This is why so many businesses will never come back even if the virus is gone. People have adapted and it’s hurting so many small businesses.
Agree!! 100%
Nah, everything will go back to normal before you can say "please don't cut your own hair". Most folks are way too weak to resist spending beyond their means.
@@BlockThrone it's not about spending beyond one's means, it's about life going back to normal settings and people forgetting everything and living like they did before . 🙂
@@habib.h5921 that is the norm though, folks spending way more than it's necessary. I think as soon as folks feel even remotely safe again, they will spend like before (and more to make up for the lost time) and everything will go back to normal in no time. Tourism is gonna rebound like crazy for example. People can't wait to travel again.
Damn I've never clicked so fast... I just wanted to see Graham shave his hair clean off 😂
hahah ahh next time definitely!
I'd need a guaranteed 10M views for that to happen
@@GrahamStephan ima hold you to your word graham..
@@GrahamStephan please 😂
Or grow it long to shave on haircuts
Just the sheer fact that you are making as much as you are has inspired me to save money and not make stupid financial decisions. Just because you are rolling around with millions in your bank account and have dozens of houses and cars has created such a high level of envy in me that fuels me to be as financially savvy as you. That is my aim. 🤩❤️🙏
all of this makes sense for the lower, middle class and upper middle class, but when you're making 4m a year none of this is necessary. you could have the most expensive insurance, the newest iphone every year, pay for parking, $100 meals dining out every day, buy a few designer clothes/bags a year etc and and still have millions left. i understand and support living frugally, but at some point it makes sense to increase spending and enjoy the money. money gives you the ability to do things that most people cant, and if you're living extremely frugally, like you're on a minimum wage salary, its just a bit over the top.
ive set 40 as my age where i will loosen up on my frugality and enjoy the fruits of my labor more, but i definitely wont be buying designer gear lol.
ive heard several calls on the Dave Ramsey show where people never got out of the mindset of frugality and they are like "im age 85 with 5m in my retirement fund, and i live on 20k a year. can i afford to buy a $300,000 lake house to enjoy with the great grandkids"? 🤦♂️
My biggest expense was having a girlfriend, cut her off and saved so much money 🤣
Lmao facts
That's so true
Just become a hermit or a nomad. Simple
No expenses
prostitution is legal in parts of nevada......... what a 30 min drive from vegas ? just saying if you are serious about cutting costs .. ;p variety is the spice of life right ?
@@markberlanga6375 you're still paying for a woman
Thank you for sharing.
My pleasure!
@@GrahamStephan I was a boy. They were two girls. Can I make it any more obvious? I am the ULTlMATE L0VER on this platform. Don't enter my ch*nnel if you are not above a certain age, dear grahaj
@@GrahamStephan you're a meme lord for replying to this lol💀💀
Posting up and coming artists for free everyday, check us out and support them 🙏😭
Always bringing value
Hey Graham, is there any chance you'd ever consider doing a "Finance for beginners" type of series?
For those who find it hard to grasp the basics of finance because of lack of proper education on the subject, or parents who'd never given them any advice on it. Many teenagers become adults without even knowing the meaning of a 401k, Roth IRAs, credit scores, investments, etc.
10) totally agree! My cat loves to play with bottle caps, straws, and old shoe laces. The only thing I buy for her anymore is little cardboard scratch posts so that my couches are safe. She loves the simple things! 😸🐾
Yup. Mine loves to play with tinsel leftover from Christmas that I got at the Dollar Store 😹
Great video! I’ve started doing a couple of these things over the last couple of years since I got my first apartment.
The fast food one is no joke. I would be so tired after work I would just get fast food at least once a week. When I worked in the office I also bought a ton of frozen meals for lunch. I’ve cut out frozen meals entirely and don’t miss them! Also, since my stove is closer than my car now that I’m wfh, it’s easier for me to cook now (and my husband helps me meal prep so I don’t have to think about what to make. We know on Sunday what food/leftovers we’ll have).
Girlfriends are expensive I cut mine and saved $1000 a month. Thanks for the tip!
But now you don't get the free haircut 🤔
Make her provide value :)
@@andrefrueh nothing is ever free in relationships 😂
shute husbands were really expensive
😂
Graham: Starbucks is a waste of money
Me: Sips my starbucks slowly
i work at satrbucks so i generally only drink when I am working .
@@markberlanga6375 you drink cause your working at Starbucks,🤔 or your drinking at Starbucks cause they have drinks, I hope you understand the easy confused situation if you can clarify 😐
🙃👌
@@Noname-ez3ru sorry but you seem to be the only one who is confused . I drink there while i am working because while I am working there, the drinks are free . when I am not working there; I dont drink there .
starbucks have good products but they are overpriced . when you go there you are also paying for the use of their " third place " concept . You pay for that even when you go use their drive through. But they have become a cult . there is now a secondary market for starbucks gear and cups . so right there is another opportunity to make money buying and selling their wares on the secondary market .
Saving is one of the most difficult thing that this generation can’t afford but with your tips, we will definitely get there 💪
You can do it!
Yes!!!
Graham, I'm feeling 35 and going on 65. There are many programs for the 55 and up crowd that reduce our property taxes, utility bills, and discounts on many other things (people can search on the net), I also found out that AAA car and home insurance don't pay to advertise like those other insurance companies like Progressive, Geico, for rate competition, etc and they are usually cheaper. I don't smoke, have a good driving record and, if I take a 3 hr online course for driving then my car insurance will go down $10.00+ a month.
Another BIG money savings for me: I have learned to fix and do many rehab projects around the house from a couple rehabs on my country house (damn renters!) and I learned a lot from YT. I recently learned how to put on roofing over my back decks, put in another couple circuit breakers and wire electricity from my house to my shed, put in switches and outlets; I insulated under my home and in my attic (Yuk) but it saved me at least $3,000; sealed my duct work under the house to stop cold air from seeping in, replaced boards on my decks (ok, that is easy). reframed a large glass 8 paned wall on my outside deck, and when I get my rear in gear I will be buying a part online and put an actuator in my van side door so it will automatically open and shut again. The newer cars are harder to work on so I usually have my mobile mechanic do the heavy under the hood/chassis stuff - but I did most all the putting in parts, timed and gapped plugs, including wiring my '67 Chevy Impala when the wires caught fire! I was 17 then.
Learning how to do all these things gives you confidence and a feeling of independence. Although I'm not the greatest cook, I always seem to find the boyfriend who is good at it and I'll do the dishes! A win-win! I just discovered you and your cohorts today and been binge watching you all. I'm learning so much from all of you, subscribed, and of course hit the Like Button! I want to start a YT channel and have the same anxiety as you all had in the beginning. Yet, I have no idea what to do but I'm writing ideas down. I've been a Mental Health Therapist, Hypnotist & NeuroLinguistic Programmer and Consultant, student of Quantum Mechanics and LOA, Flight Attendant and a few other side careers tucked in here and there. I've got skills and I'm ready for something new but I don't want to start a YT channel until the desire and passion of an idea hits me.
I didn't expect this would be so lengthy but I want people to think about what it is they can learn to do on their own and it starts with baby steps - first in your MIND: make a Choice to take a Chance or your life will never Change! Hope you'll see me on a YT channel one day! : ) Tia
The next my steps to learn English were Netflix with my favorite TV shows and various training courses in English. Now I will listen Graham. I like that you speak quickly, without pauses. My brain turns on.
Always pick the free parking even if it's alittle further then your location. And hey we get to add little walks during our "busy" day which is always good for our health and mobility!
*Next video* "How I Live on $57.56 per month and make $400,000!!!"
SO MUCH SAVINGS TO RE-INVEST
@@GrahamStephan S&P 500 @ 7.7% or new rental property every other month?🤔😂😂
When graham mentioned a new iphone as #9 -
"Android users liked that"
I saved a lot of money on my wardrobe by getting a part-time job during the Christmas season last year. I worked at Talbots and purchased business attire, sweaters, and coats. You get 50% off with your discount and if they are marked down towards the end of the season, you get 50% off the marked-down price (which could already be 50% off). I saved a lot on Christmas gifts - buying whole scarves, sweaters, blankets, etc. for everyone.
I love the fact you specified that this is not a get rich fast scheme
Graham's cat is named after Dave Ramsey... *I wonder what it'd take for Dave Ramsey to name his cat after Graham* 🐈
:o that would be incredible
I WISH
beautiful thumbnail
Memphis Cucumbers ✌🏿
Comment for the algorithm 👏🏼
Lol
Lol, he got it done for free! Some guy named Jack did it.
I stop buying haircut too ever since I went bald.
Some say, its easier to life a frugal life when you have 💰 in the bank
I help many people in their 20s and 30s with budgeting and finding things to NOT spend money on! Its great to see if coming from my man Graham!
Hello Graham, I m 15 years old and I‘m following your channel for over 2 years and I m a silent viewer but damn I really need to thank you for the great value you put out here for FREE.
What horror villain is best at saving money?
*Pennywise* 😂😂😂
Were not sure if he is the best. But you could say he's pretty smart with his change.
Lol
Day 5 of asking graham to start a video saying “What’s up Grahamers!”
How about Graham crackers?
@@shaereub4450 I was actually just about to say that
@@shaereub4450 my work has labels on everything, and the Graham cracker drawer says “Graham’s crackers” and I automatically thought, dang Graham’s already claiming the free crackers 😂
I like to come to Graham as mentor when I need to learn something new or get his perspective on investing ideas. Thank you Graham for doing what you do. Please don’t stop
Thanks for sharing your comment. Aside from TH-cam ads generated income Bitcoin investment is also another of my income stream, it could be yours too
Write my manager Scott Walters on What-sapp, to make great profit in BTC. He's currently trading my cryptos for me and he raises huge profit.
+ 1 3 1 6 2 0 2 2 0 8 6
Do well to tell him I referred you to him, His strategies are top notch 💯
@@grahamstephan8782 If I had more time and a little more money that would be something I would be interested in. I am still in school and during my lunch break I open my Webull app and do a little trading every once in a while
1. Haircuts
2. Fast food
3. Gym membership
4. Changed Insurance
5. Avoid parking fees
6. Don't buy new clothing
7. Stop buying rental properties people. Stop.
8. Start a fruit & herb garden.
9. Stop buying a new phone each year. For real.
10. Pet toys
As always, thank you for the videos Graham.
Do you mind doing a quick recap at the end of each video with a list of what you covered?
I think Graham's" girlfriend" is doing a great job on your haircuts.
me: *subscribes for financial advice*
graham: "Now, obviously your cat may vary."
me: "yes, give up your secrets..."
Im not cutting my own hair again, I don’t want to repeat the great sideburn recession of 2012 😳
ive been really struggling this past year and your videos have really been helping since i found your channel in November! i always wanted to be financially successful but always shot myself in the foot from over spending, wasting money, lack of knowledge and so on. this year i fell into alot of debt from the lockdowns but after watching these videos im starting to feel better about the situation and am starting to plan and scale a way out of it and into a steady living. This video specially right now was really helpful you don't realise how much things like coffee and fast food add up in the year not to mention over paying on things! cheers Graham you do a great service here and its lovely not being constantly up sold poor courses and false promises.
Aww he’s growing up - can’t wait to see him start a family!
Gram you have saved me about $1000 since I started watching your videos. You’re fire bro
Cool
“And girlfriends can be kinda expensive” sounds like my boyfriend 😂
same, girl, same
then get a job and stop wasting ur bf's money.
@@Archonsx Bruh it’s a joke. My boyfriend and I equally do things for one another because we appreciate that we have each other.
I have a college degree and a highly paid salary job- thanks though!
#11 DIY chicken coup = FREE EGGS
Can’t beat fresh free eggs!
@Josh Bond 2 coops or 2 chickens?
I live on a 30 acre ranch...with over two dozen chickens.....it’s like an Easter egg hunt for free meals haha
The ultimate hack is to just not eat eggs. Building a whole chicken coop and buying chickens, taking care of them feeding them, just so you can eat some eggs? Seems silly tbh
@@GutsToCuts Chickens are fun and hilarious.
I'm so happy to hear about the change in your diet :) From a financial point of view, eating well keeps you healthy and may prevent huge medical expenses in the future (type 2 diabetes and such).. Same as working out (from home is the best, you can do it whenever you wish and wear the most embarrassing clothes while doing it =])
I buy t shirts once every 2-3 years and jeans once every 5-6years. I own one tennis shoes, 3 casual shoes, and 2 dress shoes.
Stop buying dryer sheets. They are toxic and serve no purpose. I literally never use them and all my clothes are just fine.
Fabric softener too TBH (at least for me)
Never!
@@CoolnesXcore 100% waste of money, agreed.
Even better, be a nudist, then you will not need any clothes or dryer sheets.
I don’t buy them either and I don’t buy fabric softener, my clothes feel the exact same 😂 I’m wondering what their purposes are now
He also stopped buying lint rollers lol
Savage lol
Lol- I noticed that right away also.
i noticed right as he said he stoped buying clothes...
instantly noticed and was distracted the whole video lol
😭😭😭
insert "you could be saving $500 when switching to GEICO" ad here...
The cat hair and lint all over your shirt is what makes this video the most relatable lol
Nice. Good ideas stopping fast food, coffee shops, rentals. I like the gyms. I wore out two outdoor bicycles this year. They were old. I seen a new one the other day for $189. It has plastic rims!!! I think I'll fix my old ones.
I have such good memories of going to my grandparents house where they had several acres of a garden and picking veggies. My dad sold the property though :(
Parents suck right 😄
"The cat is probably as frugal as I am." Lol, legit :D
Lol 😂 I cut out the gym and hair cuts during this pandemic. I increased my eating out 😂
Great video! I agree with everything. Unless I have a car. I use a taxi. I take a taxi to buy groceries. The place where I live is easy to use and costs about $ 2. Also I don't have Rental Properties. I would also recommend choosing low-cost places to stay to save money. I started thinking about finances and investments, and then your video with Marina appeared on TH-cam. I love minimalism. A couple of days ago I was thinking about how I can grow herbs at home. I also agree about clothes. I have two pants. As soon as they wear out holes, I will buy myself new ones.
All those spending stats you gave is mind blowing. I've made my whole wardrobe last for years without buying anything new. Until last Christmas I was using an iPhone 6 that I got also as a gift when those first launched. And the only reason I upgraded that was because of an unfixable fast battery drain issue. If not for that I'd use it til the circuits burned out.
Didn’t you move to Vegas ? Why is everything “here in Los Angeles”
I don't think he has moved yet?
@@minniemouse2709 he hasn't
Cats actually mimic the behavior of their companions... no wonder he's so financially conservative!
"I stopped buying Gucci. JK it was fruits and herbs" Ah that sounds more like Graham 😂😂
Couldn’t have said it more accurate
But Graham, I work 12 h shifts, how do I fit in time to cook, wash dishes, learn recipes, and some meals require a lot of preparation. FAst food and frozen food are easy prep, and quick.
1. Agree with StarBucks
2. Yes I to started to build my own gym in the garage and after the initial investment , should save me about around 1k a year.
3. Wife does my hair and it actually looks just as good as my $30 haircuts.
4. Since we are not driving two cars anymore during covid, we placed one of them into storage mode. This saved us around $50 a month.
Good vid
After I got laid off, I stopped buying:
clothes, coffee and tea, haircuts, waxing
Waxing? Where? 😉
@@EAdrian08 yikes
Pro tip: stop paying rent and food. Buy small amounts of heroin instead and live under the nearest bridge.
@@rdmz135 i was going to say photo or it didnt happen 😄
No that's that's nice to hear 😐👌
This year has been exceptionally tough and you've taught me a lot about finances and I'm thankful for that. I've gotten use not buying anything except for the essentials. Even through losing a job and having to find another I've been able to save money. Ive been able to make important investments too and even start a TH-cam channel. Thank you for all the help
I've been cutting my own hair for 15 years. Love love love this one. I went cheap, $24 special at Target. But seriously, I cut my hair every two weeks. Multiply that out and let me know how much was saved :)
Every two weeks! wow, nice job!
@@Keith_Furtado I will admit, the pandemic allows me to extend that into every 2 months :) Only pro from the pandemic so far (for me)
It's so nice to know that you're growing your own food! It's great for the environment and for your health. And buying less clothes!! Environmental King 💚💚💚💚💚💚
Growing herbs is definitely good for the environment, but growing your own potatoes is not necessarily good for the environment. Big farms use less resources per pound for producing really large quantities. But something you need in small quantity like herbs? That's definitely gonna save resources.
@@berksarioz969 what about gas fees , storage fees employee fees , the price difference from buying a few seeds will definitely save the difference , if we were a intelligent species as a whole the difference saved can be used for sustainable and green energy like solar and wind and not be dependant on a monopoly system that is always one week off being completely broken most countries don’t have enough food to store for there people , growing you own gives security for your people when food isn’t always aroundb
Parking is horrible here in Miami too. I've thought about a scooter or moped plenty of times but it's not feasible when you're grocery shopping or moving around with a family smh.
Financial Minimalism = Not buying a rental property every year.
Just meme'ing haha, great video!
Rental property is income generating.
Fancy seeing u here kibitz, used to watch you when I was really into satisfactory
Title should be "paying for" instead of 'buying" lol
12 videos in a row being early! By the way, I’m Ryan Pineda’s “Jack” that he mentioned in the podcast lol. Keep making excellent content!
@Seth Kok whaaat you watch my old videos?
Thanks! Will do!
@Seth Kok thanks a lot man!
@Seth Kok bro that’s awesome!! Thank you so much
Love it! Small changes can definitely add up quick!
yes! You are so right!
@@TheIcedCoffeeHour I pay 20 dollars for my iced tea
wait. the decor behind you is really nice. did you decorate yourself? how do you manage your time? are you maintaining your home on your own? how do you advise managing tenants when house hacking? seems a bit awkward if using a property manager but I really wouldn't want to self manage in that circumstance either. what is your experience? Thanks Graham!
I really appreciate the detailed descriptions , even tho I watch the whole thing it's still amazing
Dude your cat straight up attacked that shirt 😹
Graham is gonna be one of the richest youtubers in 10 years at this rate
I would love to see Dave Ramsey do a reaction video to Graham naming a cat after him.
Hah! Get on my level, Graham! I don't even have a car anymore! No insurance, no fuel, no maintenance, no parking. If you're only going within 5 miles of your home, a bike will suffice if you don't have good public transit. That might not work for you in Vegas, but it's worth considering when you inevitably move again.
1. Stop going to the barber, GF cuts his hair -> GET A HAIRDRESSER GIRLFRIEND
2. Stop eating fast food
3. Exercise at home - Canceled gym membership
4. Changed car insurance
5. Stop paying parking by using a electric folding scooter
6. Stop buying new clothes - wee can see it in your sweater
7. Stop buying rental properties - Like any ordinary citizen
8. Grow your own fruit & herbs
9. Not buying the latest tech
10. Stop buying cat toys -> GIVE HIM A BOX