@Lukas007 I like to watch him too! I like that you have respect for your dad! I was referring to the people that said Graham is the dad they wanted, which is disrespectful! Keep up the grind and have a nice day
1. Get a credit card as soon as you turn 18. 2. Open a bank account without any crazy fees. 3. Get a Roth IRA. 4. Stay out of debt. 5. Go get a job. 6. Live like you make significantly less. 7. Reconsider college 8. Invest!
Invest in what though. I made a good amount of money through the years and I’m 18 now and don’t know weather to do real estate like fundrise or s&p 500
@@loeki6176 Ill tell you what my uncle told me at 14, im 15 now so not too long ago, save up your money, idc what it is it, if you get a 20 dollar bill save up 25% of if, then the rest you can use it for spending money while also having saved up money, everytime you get money you save 25% of it, you can save 15% so that you have more spending money, or if you're like me just save all of it because lets face it do you really need that "bag of hotfried" i think not, if your cant bc of your own situation, get a box or hide your money between your bed, save that money and it increases, ive been saving sine i was 13 and i now have 500 dollars, its not alot but its something
The quickest way to make your first millions is to invest directly with an expert that is trustworthy and has made a name and individual billionaires. I realized that the secret to making a million is making better investment...
To my understanding this just proves how much we need an edge as investors because playing the market like everyone else just isn’t good enough. I've been quite unsure about investing in this current market and at the same time I feel it's the best time to get started on the market, what are your thoughts?
Since the crash, I've been in the red. I’m playing the long term game, so I'm not too worried but Jim Cramer mentioned there are still a lot of great opportunities, though stocks has been down a lot. I also heard news of a guy that made $250k from about $110k since the crash and I would really look to know how to go about this.
it all depends on how long you're willing to hold for and your strategies, stocks might likely tank further, but making serious gains in this downtrend shouldn't be a problem if you're a pro
@@lipglosskitten2610 I'm 19 but don't know how to invest in anything really scared to try stocks one because I don't know how to get them and two don't want to lose all my money not knowing how to rightly invest in it idk my I just do dumb to know Any advice really would love to learn just have no one to help me
Mine is more like being financially independent so I no longer have to deal with my parents bragging to me every day about how they are more superior just because of their age.(Ok, boomer)
Graham the type of guy to be in a good mood when he gets a speeding ticket, because it's just an excuse to open up another credit card for more points 😂
Millionaires stay rich by making productive moves like investing,saving doesn’t multiply money,Don’t save buy assets, trade or invest but make sure you run a background check up on your source before you invest, Ensure you are investing through a solid foundation source to avoid blowing money away
@@bobkaiser3549 i have lost investing with numerous rigid traders on here,I’m currently trading and learning to improve my technique but in the end i need to do my research on a more reliable source to earn money through
@@dayecastro874 you should trade through the guidance of a professional to secure your spot financially and earn money,so far i can only recommend licensed broker wilson for trades,con tact her for assistance
@@jacksondougan476 All this while I thought i was the only one earning through Wilson,seeing you speak good of her on here has elaborated my trust for her service
*15 year old me saving my lunch money to buy video games* "I know exactly how to spend my money" *19 year old me in college debt* "I have no clue what I'm doing"
If you wanna be successful, you most take responsibility for your emotions, not place the blame on others. In addition to make you feel more guilty about your faults, pointing the finger at others will only serve to increase your sense of personal accountability. There's always a risk in every investment, yet people still invest and succeed. You most look outward if you wanna be successful in life.
Success is grace and favor not hard work alone. I am successful today in the ways and manner I invested my daily earnings, and let's stop always looking inward.
Mᴏʜɴɪsʜ Pᴀʙʀᴀɪ once told us "Cryptocurrency investors as I believe that many of them are going to end up losing their investments, that I believe that a lot of people around the world are going to end up losing their Cryptocurrency investments because there are too many types Cryptocurrency that are being created regularly".
Looking into this for my sister and I, we grew up dirt poor so I’m working to break the cycle. Wish I would’ve learned this sooner but glad I’m not too late
Hi Greetings Invest in a secure platform and broker where you will not lose your funds. I'm new to trading, but I met Mr. Raini Titan here on TH-cam where he teaches people to trade forex and stocks. which he guides me with a super platform and amazing strategy. I thought it was a scam, but finally I cashed my first $ 57,000 profit last week, he is very reliable and honest, he always tells me the actual time of buying and selling with 100 profit from his one-on-one master training.....Stay bless.
U.S. Highschool: Today in personal finance we're gonna talk about, you guessed it, business models and macroeconomics Students four years later: What's credit
absolutely spot on lol. I just graduated in 2019, and ive learned just about every piece of useful info on my own. although a few of my past teachers did help out outside of class
That's funny. I took one personal finance class my senior year, and it was by far the easiest math class I've ever taken. Basically applied algebra. But it showed how to calculate interest, budget, and taught students to be financially literate. I didn't learn how to do taxes, but I did learn how to access AZCIS, which is one of my favorite budgeting tools. We learned macroeconomics in economics 😂
saving tip: if you have 355$ dollars for example, keep 300$ aside and try to last your month in those 55$. so at the end of the month you’ll have 300$ in your savings. I’ve saved a lot by this method.
@@khushbuyadav8542 ok my parents don't usually have money left over to give me an allowance so I have to work if I ever want something. I will try that method out. Thank you for the advice
“Go and get a job!” I love it lol. I got my first part time job at 14. Would highly recommend it to everyone, it gives you a great taste of how money and the world work.
@@Cesar-pc7hu Me too! The thing is that in my country you can only work when you're 18+. Not only that, but my family is overprotective since where we live is dangerous. Also, my mother wouldn't have let me, because the people who drive in my family are very busy, so she didn't want me to be a burden
@@jeremygood3246 You're right Sir, it's obvious a lot of people remain poor due to ignorance, it's better to take risks and make sacrifices than to remain poor
I’m 18 just graduated from high school I opened an 401k I got a full time job Going do do online college Already investing in the market as a long term investor Have additional side hustles Already have $5,000 saved
You guys are better than me. I stopped at the 4 minute mark when he said open a bank account. My inner monologues said "I'm not going to learn anything here."
GUYS OPEN THE CARD, I paused the video & applied for the discover it secured 7 months ago. Now my score is sitting at about 760 & I’m 19 years old. Discover actually refunded me my security deposit & raised my credit limit to $2,500 today. So if you are tight on money, the $200 credit line is more than enough to start building your credit history. Thank you Graham I hope to inspire others in the future the way you inspired me.
1:15 Go and get a credit card 3:49 Go open a bank account 5:58 Get a Roth IRA 8:25 Stay out of debt 9:55 Get a job 12:03 Live below your means 13:45 Reconsider college 15:53 Investment tips
I'm very stressed out that I'm not optimizing my time as an 18 year old I did poorly in high school. And have been finding it difficult to determine how I want to progress as an adult. I'm finding that everything's kind of stuck. And I've been very unsure as to what I could do to better use my time. But after watching your video Stephan I'm a bit less stressed and a bit better informed. And I'm very thankful for that.
in the same boat buddy. best advice is research, research and research brother. the more knowledge you accumulate the more you understand what paths you can take to further your progress.
In school, nobody taught this type of stuff. No mandatory class. One of my math teachers taught us out of wanting to inform us. Too bad we were all barely 12.
Amazing content. I started a bit late (graduated from my doctorate program at age 30 in 2016 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 voo, but have been putting a lot into schd the past few months). I dunno 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 like you alluded to in your video.
I and my wife diversified my $400K portfolio across various market with the aid of an investment advisor, I have been able to generate over $920k in net profit across high dividend yield stocks, mutual funds and alternative investments.
it all depends on how long you're willing to hold for and your strategies, stocks might likely tank further, but making serious gains in this downtrend shouldn't be a problem if you're a pro
@@meredithelbert6608 Sounds great. I could really use the expertise of an advisor. Just can't find while I'm away for work in New Zealand for another year. Who is this person guiding you?
When I was little my parents gave me an allowance of 10 dollars a week, and my mom made me pay “tax, rent and utilities” in the end I got 7 dollars a week, the other 3 went to my savings
The solar System This comment is for people thinking of entering into stocks. For trading,now is the right time don't postpone,Robinhood is how I got started a few months ago. It’s a free platform to trade stocks.invite.robinhood.com/satvikv8 is a link. You get a free stock if you do it through the link. I do too! 😄But of course, do your own research, but I love it.Or M1Finance is great for Long term investment !! Here's the link for kick start of 20$ or 10$ mbsy.co/wpnR7 for m1 finance. Good luck ! And also for high yeild interest www.wealthfront.com/c/affiliates/invited/AFFC-LK9M-HL1A-PBIB click the link for wealthfront , you get your first $5000 stock investment managed by best hands !! :)
I like that I will definitely be needing to practice this. I never eat out but I always depend on my family to make dinner usually throughout the day I don’t even eat lol!!
Turned 18 yesterday, got accepted for the discover credit card, opened a Roth IRA and my own personal checking account, have a job, I also have investment plans and im looking forward to seeing where I end up in a few years. Thanks for the advice.
@@ellasworld4214 I got another credit card soon after that, planning on getting a third one soon, my credit score is 717 now. That checking account I opened gave me 300 bucks for getting direct deposits, the ira account gave me 100 bucks, I think I've got some other bonuses as well. I opened a samsung money by sofi account and I have 2.5% APY in that account. I'm a little behind on the investing though, I have been investing but not as much as I should. All in all doing pretty good right now financially speaking.
I’m almost 24 and I’m so glad I’m seeing this. I’m in a point in my life where I can see I’m on the tipping point of either figuring it out or ending up like my parents and being in debt forever. Thank you.
Fug Lee This comment is for people thinking of entering into stocks. For trading,now is the right time don't postpone,Robinhood is how I got started a few months ago. It’s a free platform to trade stocks.invite.robinhood.com/satvikv8 is a link. You get a free stock if you do it through the link. I do too! 😄But of course, do your own research, but I love it.Or M1Finance is great for Long term investment !! Here's the link for kick start of 20$ or 10$ mbsy.co/wpnR7 for m1 finance. Good luck ! And also for high yeild interest www.wealthfront.com/c/affiliates/invited/AFFC-LK9M-HL1A-PBIB click the link for wealthfront , you get your first $5000 stock investment managed by best hands !! :)
best of luck man, were both crazy young still (im 18). I was always curious and luckily found out about finance/ investing at 13. im currently 18 with a 10k dividend portfolio.
@@devinisreal9356 Oh yeah, because being able to do math and understand basic sciences and history is completely useless. Do you ever wonder how you get anti-vaxxers and flat earthers?
@@cjc1212 What career do you have? That stuff is useful for anyone between a mathematician and a carpenter. And how much effort did it take for you to learn it?
My parents got me a really basic credit card when I was 18 (£400 limit or something) and they didn't let me have it, they used it for shopping and on small purchases and paid it off every month which built my credit card rating for me because of them. They did the same for my older sister.
@@aimebita6410 It would've been better if you shut the hell up. You obviously don't have the least amount of sense if you don't even understand that children have no control over money and would've destroyed the only chance they had at ever getting any decent amount of credit. Put more points in intelligence next time or just don't ever breed. Either one works.
Despite the fact that stock prices fluctuate, what is the best method for capitalizing on the current market? I'm still undecided about investing $400k in my stock portfolio.
I was recently through an investing nightmare during the crash in march 2020. With the assistance of my advisor I have so far grown my dwindling portfolio of $145k to $480k
My consultant is Nicole Desiree Simon She has since provide entry and exit points on the securities I focus on. You can look her up online if you care for supervision.
Investing in the right stocks that are profitable benefiting from secular shifts in consumer behavior can significantly increase the chances of finding a life-changing investment.
I'm 20 years old and you SOOO right!!!! When I went off to college at 17, I felt so bad about myself because I was going to a community college and I wasn't going to a 4-year institution but, now I feel so much better knowing that I'm in my third year of school and owning no money. Another thing, I did when I was 17 is asking my mom to take me to the bank and open a credit card with her. Now that I'm older I thank myself for that, I also plan to open a Roth IRA soon as a gift to myself for my 21 birthday.
hah, im from muslim country and debt, intererst etc... is evil here when ı said to my mom "should ı take bank kart?" she yelled to me and said "kredit cart is haram" ( she even doesnt know what is the difference bank and credit kard)
@@mustafaakkoclar1272 Loooool. Name me once non-secular historian who agrees with the asinine statement. It is ludicrous in and of itself and a self-defeating statement predicated on presumptuous ignorance. There is so much evidence out there about the tomb being empty and Christ walking the Earth with confirmed miracles. I want to challenge you on your stance. Do you believe there is a God? Do you believe there to be an afterlife?
You work for 40yrs to have $1M in your retirement, meanwhile some people are putting just $10K in a meme coin from just few months ago and now they are multimillionaires....
Self Control is skill that can be easily learned if one is willing to learn that skill. There are many tools/apps out there to track spending that are free to use that can help you learn how to manage money. Also, if you get a secured card and put money down it's a great safe way to learn how to use credit. If you screw up on a bill the credit card company will use your deposited money to pay the debt off. Good tool to build and learn how to use credit. Finally, if your really set a card for a specific purpose such as using the card for only gas or a subscription and set up automatic payments.
I’m only 16 but I want to learn all these things because when I become very wealthy i wanna help the people in need of money also my family if they need it but the thing ima do with my money the most is donate it and just make people’s life better then it would ever would be so thank you for teaching
🌟Thanks 🙏 for your comment for more profit in crypt0 currency and trusted investment I'll direct you to my expert Mr Adam Walter his strategies are top notch
Some other advice: Don't open multiple credit cards at once. I did that and I missed out on the bonuses offered and they all dinged my credit with hard inquiries. Instead, open one card per year and meet the minimum spending requirements to get the bonus then keep it open. Never close a credit card unless it has an annual fee.
Just had a conversation with my roommate and she thinks there’s no difference between investing and gambling... The lack of knowledge in this area is unbelievable! We need to help those to generate wealth through INVESTMENTS and not the CASINO
Is she referring to the riskiest investments? Because the math disagrees one is more about probability the other has levels of risk, is she a stem major by any chance?
Thank you for this informational video! I definitely agree with what you said about college. I'll soon be a senior in high school and it seems like everyone is planning on going to college after graduation. I feel pressured by my counselor and peers to go, knowing that if I do, I'll end up in debt because I have no idea what I want to do as a career. You explained everything very well and I found it easy to pay attention. I learned quite a bit of new things and I hope to implement them into my life by the time I'm 18!
I’m 21 and I just opened the Roth IRA with vanguard like you recommended. I really didn’t know about what type of retirement accounts I should have, so I’m so glad you made this video☺️
Hey Graham I did the math and you can make tea for less than 5 cents per cup... do you know how much money you could save over the years not wasting money on 20 cent coffee
@@roulahabs Liptons tea on amazon is $9.37 for a box of 312 tea bags. 9.37/312=0.03 or 3 cents per tea bag then you just add water prices and prices of whatever sugar or other sweetener you want, if any. All you have to do is take the bag fill it with water and microwave it.
@@bettermentboss Somebody understands! Graham is telling us these false prophecies of millions of dollars from 20 cent coffee but he never told us of the one true prophet 5 cent tea.
Timestamps for myself: 1:14 Go Get a Credit Card 3:47 Open a bank account 5:57 Sign up for a ROTH IRA 8:25 Stay out of debt 9:54 Go get a job 12:00 Live below your means 13:42 Reconsider college 15:50 How to invest
where were you 40 years ago lol. Listen to this guy. Everything he mentions is gold. Especially the college debt portion. I could kick myself for making a lot of the mistakes he mentioned n this video. Keep up the good work Graham!!
@@shabellaoliver3484 im 18 later this month is it too late to get a job at amazon or are their vaccancies still? from the uk btw and my friends already work there but i dont wanna ask and sound like a beg, thanks!
Pressuring kids to go to college is indeed an epidemic that needs to be stopped. My (Asian) parents pressured me into going and I'm glad that I got out of there and dropped out when I did because it was an incredible waste of time.
I’m 19 now- from Australia. After graduating high school I worked 100 hours a week and saved 90% I had about 35k saved! It was a great feeling, but I had a reason, I have now moved to NYC and studying at my dream acting school- but after moving here and not working for like 2 months and Setting up my life (as well as exchange rate and bank fees) I had $84 in my bank accomt hahaha (nervous laugh) But I’ve been watching these vids- started up my photography business over here and I’m back on track Thanks for all your help!!
@@eliteking1471 So from 4:30am - 12noon I worked making sushi, then from 12:30pm to 4:30pm I worked in a cafe and then I worked from 5-9:30 at a takeawayshop as a manager. This was most days, on Saturday/Sunday my hours would vary. I just did the taxes for it, it was 35k saved in 8 months, I made about 50k between jan- august when I left for school. After looking back. I can highly advised against this tho. The toll it took on my mental health was much more than what it was worth. Now that COVID had come through and i've had time to slow down. I realise that deferring a year and saving at a steadier rate while working better hours would've been just as fulfilling without the constant feeling of 'I'm not making enough money" and "I wanna crash into a tree" But yeah. Very weird time of my life that lead to some of the best experiences I've had so far!
Smart! But now is a great time to start learning all you can about investing your money. Learn as much as possible so you're ready by the time you're 18.
The problem we have is because Most people always taught that " you only need a good job to become rich " . These billionaires are operating on a whole other playbook that many don't even know exists.
I’ve had a bank account since I was 10, been working a job since I was 14, and got a credit card a week ago, after I turned 18. Can’t stress enough how important these things are!
Bro I have a job! QUIT YELLING AT ME!!! Jk man, great video! I’m 18 rn, and just got the job of a lifetime for me. My income has become insane within one month and I need videos like this to know what to do with it. Going to get a credit card rn!
Went to community college for two years then finished my bachelors at a state university. Excelled at community college and got a full scholarship to finish my degree. I continued to work 20 hours a week even when I had a full ride to school. Was able to graduate absolutely debt free and invested over $8,000 in my Roth IRA. GO TO COMMUNITY COLLEGE!!!
Better yet, do early college! Started community college sophomore year in high school, going to graduate high school with an associates, completely covered. (Plus I get a $150 gift card per term for textbooks... if I need to buy them 😉)
Amazing way to stay debt free! Wish more people our age looked into this option. very unfortunate to see my friends going into such high amounts of debt in just their first two years of state university.
When I turned 18 I got my first credit card and recklessly spent and racked up thousands in debt. Just over 2 years later I finally finished paying it off today. My credit score was trash but it’s gone way up. Only use your credit card if you have the money!!!
I’m 18 (turning 19 soon) and this is my stats. 1. I’m waiting my first credit card now. It’s coming either today or tomorrow. (Student discover card) 2.i had my own bank account since I was 16. 3. Never knew about to Roth IRA. I will look into it more. 4.I have no debt. 5. I have a seasonal summer job, and a student job at college 6: I save well. But I live in a low income family I often give my money to help my family. I working on it lol. 7. I’m turning a sophomore in college, I’m not sure what I want to do but I’m on a scholarship so I have no debt right now. Parents didn’t go so a lot of pressure is on me. 8. I want to invest. But Im working on it.
Adrianna Green You’ll slowly get there, I’m also turning 19 soon but I haven’t even graduated high school lmaoo and because of that I’ve been able to save a decent amount of money
Take advantage of your age! Everything in this video is true! I started at 20. I grew up in a low-income household. Wish I could have done it by 18 but Now I'm 24 with 800+ credit score, 100k in total credit card limits, Roth IRA, 2 nice cars with low payments, and a co-business owner.
Not the dad we asked for, but the dad everyone needs.
Truer words couldn't have possibly been spoken.
Rich dad poor dad -Robert Kiyosaki
He is the dad we asked for
Bruhhh how about your own dad? Have some respect lmao
@Lukas007 I like to watch him too! I like that you have respect for your dad! I was referring to the people that said Graham is the dad they wanted, which is disrespectful! Keep up the grind and have a nice day
1. Get a credit card as soon as you turn 18.
2. Open a bank account without any crazy fees.
3. Get a Roth IRA.
4. Stay out of debt.
5. Go get a job.
6. Live like you make significantly less.
7. Reconsider college
8. Invest!
Hero we didnt deserve
@@kittyveggies4454 thx man
tx
thanks dad
Invest in what though. I made a good amount of money through the years and I’m 18 now and don’t know weather to do real estate like fundrise or s&p 500
15 year old girl. I didn't realize I had 3 years left of childhood.
Saved $155 so far. WE GON GET RICH BOIS
I'm also 15 n got $6 💀 I want to get a job here but no one's accepting ppl under 18
@@loeki6176 Ill tell you what my uncle told me at 14, im 15 now so not too long ago, save up your money, idc what it is it, if you get a 20 dollar bill save up 25% of if, then the rest you can use it for spending money while also having saved up money, everytime you get money you save 25% of it, you can save 15% so that you have more spending money, or if you're like me just save all of it because lets face it do you really need that "bag of hotfried" i think not, if your cant bc of your own situation, get a box or hide your money between your bed, save that money and it increases, ive been saving sine i was 13 and i now have 500 dollars, its not alot but its something
Just open a only fans account and you are set for life
Here i am with 8.5$ xD
@@kanishk7214 stfu.
What is the best strategy to succeed in the market now for someone with more or less than $9k
You need a pro or someone good at navigating the market. Someone like Jared Brian Watkins
Almost gave up due to constant losses, but Jared turned my luck around
Leveraging market changes is a remarkable talent Jared has
My monthly yield and returns with Jared leaves me speechless
In what way will someone get hisguidance
Him: telling youngsters to take risks in new businesses.
Me: *starts selling drugs*
Video Memes if it works it works 😂😂
Just watch out the oops are wack asf
😭😭
I mean...
Start sellin dub stacks.
Here is the measurements for weed. (cannabis)
Gram 1-2 joints
Eight 3.5 g
Quarter 7 g
Half 14 g
1 oz 28 g
I’m 20 , started working full time & opened up my 401k and Roth Ira when I was 19. Saved 20k in the last year. No girlfriend.. life is good.
Cash TheDon love the no girlfriend mention💀
What kind of job do you do ?
stay single man. look around. everyone with a girlfriend doesn't have nearly as much stuff or nearly as much fun
Imad charradi tradesman at the shipyard where I live
Joe Stroup very true.. it’s the obvious choice to me .
The quickest way to make your first millions is to invest directly with an expert that is trustworthy and has made a name and individual billionaires. I realized that the secret to making a million is making better investment...
@Ihihi Abdelkrim how did it go?
To my understanding this just proves how much we need an edge as investors because playing the market like everyone else just isn’t good enough. I've been quite unsure about investing in this current market and at the same time I feel it's the best time to get started on the market, what are your thoughts?
Since the crash, I've been in the red. I’m playing the long term game, so I'm not too worried but Jim Cramer mentioned there are still a lot of great opportunities, though stocks has been down a lot. I also heard news of a guy that made $250k from about $110k since the crash and I would really look to know how to go about this.
it all depends on how long you're willing to hold for and your strategies, stocks might likely tank further, but making serious gains in this downtrend shouldn't be a problem if you're a pro
@Dan Brooks Impressive can you share more info?
@Dan Brooks She appears to be well-educated and well-read. I ran a Google search on her name and came across her website; thank you for sharing.
@@lipglosskitten2610 I'm 19 but don't know how to invest in anything really scared to try stocks one because I don't know how to get them and two don't want to lose all my money not knowing how to rightly invest in it idk my I just do dumb to know Any advice really would love to learn just have no one to help me
I just want to be extremely wealthy at a young age so I can make my parents proud of me and buy them stuff
Fly same ((:
Same!
the real american dream for first gens
Mine is more like being financially independent so I no longer have to deal with my parents bragging to me every day about how they are more superior just because of their age.(Ok, boomer)
@@stepmamas you need credit card tho
Graham the type of guy to be in a good mood when he gets a speeding ticket, because it's just an excuse to open up another credit card for more points 😂
TrafficTicketDefenders.com ;)
Austin Garner hahaha
It’s how you play the game 😉
What else do you think he uses the Lotus for?
Don’t forget that avocado 🥑 toast 🍞 👀
Millionaires stay rich by making productive moves like investing,saving doesn’t multiply money,Don’t save buy assets, trade or invest but make sure you run a background check up on your source before you invest, Ensure you are investing through a solid foundation source to avoid blowing money away
I like how you think,Endeavor to do your research before you damble into investing,Too many scam brokers out there
@@bobkaiser3549 i have lost investing with numerous rigid traders on here,I’m currently trading and learning to improve my technique but in the end i need to do my research on a more reliable source to earn money through
@@dayecastro874 you should trade through the guidance of a professional to secure your spot financially and earn money,so far i can only recommend licensed broker wilson for trades,con tact her for assistance
Ellenwilson020@gmailcom,Tele gram Ellenwilson020
@@jacksondougan476 All this while I thought i was the only one earning through Wilson,seeing you speak good of her on here has elaborated my trust for her service
*15 year old me saving my lunch money to buy video games*
"I know exactly how to spend my money"
*19 year old me in college debt*
"I have no clue what I'm doing"
Here’s me at 11 thinking I’m successful because I have a cocaine lockup on gta online
Haha
Lol I suck on that too (broke bum), my best skills are art. A perfect formula for 💵💵💵💵💵💵💵💵💵💵💵💵💵
A LOT OF SARCASM
@@danutdracula i mean you can get popular on DA or smth
bro if you eleven and watching this video you’re chillin for the future
M8, you have to get a bunker and a nightclub or you will never be rich...
You forgot to say "don't have kids early on."
I have relatives that have kids so early on for seemingly no reason. WHY DO YOUNG ADULTS HAVE KIDS AT ALL???
@MelodyMania Point being?
Oh Yeah Yeah 2.0 because kids give u a meaningful life you get to teach your children ways of life
That's a no brainier
A lot of millionaires say having kids/family’s helps them succeed.
If you wanna be successful, you most take responsibility for your emotions, not place the blame on others. In addition to make you feel more guilty about your faults, pointing the finger at others will only serve to increase your sense of personal accountability. There's always a risk in every investment, yet people still invest and succeed. You most look outward if you wanna be successful in life.
Sure! Is a better way to counter this foreseen inflation, because all this wars everywhere are politics.
Success is grace and favor not hard work alone. I am successful today in the ways and manner I invested my daily earnings, and let's stop always looking inward.
they said when you invest little money you earn big,
Can't even imagine how it is possible
Mᴏʜɴɪsʜ Pᴀʙʀᴀɪ once told us
"Cryptocurrency investors as I believe that many of them are going to end up losing their investments, that I believe that a lot of people around the world are going to end up losing their Cryptocurrency investments because there are too many types Cryptocurrency that are being created regularly".
Looking into this for my sister and I, we grew up dirt poor so I’m working to break the cycle. Wish I would’ve learned this sooner but glad I’m not too late
Hi Greetings Invest in a secure platform and broker where you will not lose your funds. I'm new to trading, but I met Mr. Raini Titan here on TH-cam where he teaches people to trade forex and stocks. which he guides me with a super platform and amazing strategy. I thought it was a scam, but finally I cashed my first $ 57,000 profit last week, he is very reliable and honest, he always tells me the actual time of buying and selling with 100 profit from his one-on-one master training.....Stay bless.
Your Peng
how is it going so far?
Cmon g!
Update?😊
U.S. Highschool: Today in personal finance we're gonna talk about, you guessed it, business models and macroeconomics
Students four years later: What's credit
This is more real than chlamydia
You guys must've had some bad PF teachers
absolutely spot on lol. I just graduated in 2019, and ive learned just about every piece of useful info on my own. although a few of my past teachers did help out outside of class
That's funny. I took one personal finance class my senior year, and it was by far the easiest math class I've ever taken. Basically applied algebra. But it showed how to calculate interest, budget, and taught students to be financially literate. I didn't learn how to do taxes, but I did learn how to access AZCIS, which is one of my favorite budgeting tools. We learned macroeconomics in economics 😂
Also: what are these tax write-offs I keep hearing about?
I am only 14 but I am scared of ending up like my parents who are really poor, and 4 thousand dollars in debt so, I want to set myself up for life.
@Cicero Progontus thank you
Dipotre u got it bro just gotta learn and stay dedicated
saving tip: if you have 355$ dollars for example, keep 300$ aside and try to last your month in those 55$. so at the end of the month you’ll have 300$ in your savings. I’ve saved a lot by this method.
@@posits9426 thank you
@@khushbuyadav8542 ok my parents don't usually have money left over to give me an allowance so I have to work if I ever want something. I will try that method out. Thank you for the advice
“Go and get a job!” I love it lol. I got my first part time job at 14. Would highly recommend it to everyone, it gives you a great taste of how money and the world work.
yes but never stay at the same job, I was making $9/hr at 15 to $16/hr at 16
Bro I wish I had gotten a job at that age, I would’ve learned so much. I just turned 17 and I got no idea what it’s like out there.
I got mine at 12 as a soccer ref >:)
@@Cesar-pc7hu Me too! The thing is that in my country you can only work when you're 18+. Not only that, but my family is overprotective since where we live is dangerous. Also, my mother wouldn't have let me, because the people who drive in my family are very busy, so she didn't want me to be a burden
You know this guy is ballin when he has a dinosaur skull on his desk
*_These tips are still good even if you're in your 20's_*
true!
@@GrahamStephan good because I'm 2 years late
Lets hope it's not to late to start investing at 24!
33, I’m too late.
I watch this at 38, still good 😁
Will turn 18 at the end of this year, can’t wait to invest in my future
best of luck Valeria, its worth it trust me. Im currently 18 with 10,000 dividend portfolio!
Corona: *NO*
Jk Advance Happy bday
Thank you all😊
@@h.vargas1245 woa I'm sorry but how and where did you invest in? Also, if it isn't too rude asking, which country are you from?
I just turned 18 today finally get to follow this video
im 19, i just opened my Roth IRA with a whopping $50 lol. yay!
How's it going so far? Was it worth it by now
@@kalatiolatai7098 idk yet lol
Im 14! Im very advanced watching videos on money 😂
@cheyenne is there a way I could contact you? I wanna learn about Roth IRA more and how you did it
my instagram is chinmoytres6 i need heIp in tht
When you invest, you're buying a day you don't have to work
Assets that can make you rich
Bitcoin
Stocks
Real estate
@@jeremygood3246 You're right Sir, it's obvious a lot of people remain poor due to ignorance, it's better to take risks and make sacrifices than to remain poor
@@josephfrys6969 It's not ignorance but due to some unprofessional broker in the market
Bitcoin is the most profitable investment online of only you trade with the help of a professional expert
I recently got into forex trading and im already marveling over the profits I'm making, I'm like " how the hell have i been sleeping on this
I’m 18 just graduated from high school
I opened an 401k
I got a full time job
Going do do online college
Already investing in the market as a long term investor
Have additional side hustles
Already have $5,000 saved
ew a full time job , good job on everything else!
angel rodriguez hahaha yes man it’s stressful but I’m getting used to it
@@compoundinterestinsights Nice! What are you going to be studying online?
Johnnie Lamas thanks man
graphic design 👍👍✅
401k vs roth ira or should i have both?
>Me 27 years old.
>Video for teens (from Graham)
>Stops everything and watches
Yes sir!!!
The old guard can learn from the new recruits & vice versa...
And you only start being ils when you stop learning...
Me 38, I have been a millionaire, and I stopped in my tracks to watch as well.
You guys are better than me. I stopped at the 4 minute mark when he said open a bank account. My inner monologues said "I'm not going to learn anything here."
NOFOOD? Same ! 🤣 (26)
I’m 15 and I like watching these vids for when I turn 18 in a couple of years . Thank you so much !!
when he said reconsider college.. try telling that to my asian parents
I’m not first
I’m not last
But when Graham Stephan uploads
I clicc very fast
:)
🙌🏾
Daniyal Bharmal lol
Your Own Empire
Relax, we know...
Ummm... $100 dollar bills do have that orange stamp there off center to the right. It’s legitimate
GUYS OPEN THE CARD, I paused the video & applied for the discover it secured 7 months ago. Now my score is sitting at about 760 & I’m 19 years old. Discover actually refunded me my security deposit & raised my credit limit to $2,500 today. So if you are tight on money, the $200 credit line is more than enough to start building your credit history. Thank you Graham I hope to inspire others in the future the way you inspired me.
im about to do this when i open my bank account n get my ID, jus turned 18 yessir
Can You like apply for discover it if you’re not American
They declined me because I don’t have a “real” income
@@applemusic751 same I just turned 18 last week
Thanks for the advice, just waiting one more month till I'm 18!!
I appreciate this video
This is exactly what I need as motivation.
When you invest you're buying a day you don't have to work.
Assets that can make you rich
Bitcoin
Stocks
Real estate
You're right sir, it's obvious a lot of people remain poor due to ignorance
It's better to take risk and make sacrifices than to remain poor.
It's not ignorance but due to some unprofessional expert in the market.
Watching this an hour before I turn 18. Gonna apply for a credit card
Being blessed with dual citizenship I can study in Norway for free and move to the US with a degree and 0 debt.
Lucky you! The fact that it's Norway makes it even cooler.
Same with france
Nice.
Why go to the US then?
@@VelvetTenshi For better opportunity and life?
1:15 Go and get a credit card
3:49 Go open a bank account
5:58 Get a Roth IRA
8:25 Stay out of debt
9:55 Get a job
12:03 Live below your means
13:45 Reconsider college
15:53 Investment tips
MVP
Noah Sinai 😄
...an angel???
Abdulhameed Ahmadi 😂
Not all heroes wear capes 😉
I'm very stressed out that I'm not optimizing my time as an 18 year old I did poorly in high school. And have been finding it difficult to determine how I want to progress as an adult. I'm finding that everything's kind of stuck. And I've been very unsure as to what I could do to better use my time. But after watching your video Stephan I'm a bit less stressed and a bit better informed. And I'm very thankful for that.
in the same boat buddy. best advice is research, research and research brother. the more knowledge you accumulate the more you understand what paths you can take to further your progress.
Experience life my friend
In school, nobody taught this type of stuff. No mandatory class. One of my math teachers taught us out of wanting to inform us. Too bad we were all barely 12.
Graham: go set up a Roth IRA and then come back and finish watching this video
Me: keeps watching
Savagery at work
IRA 🇮🇪🇮🇪🇮🇪🇮🇪
Barbara - imposible.
You just might come back in a week or month just keep swimming just keep swimming thats what we do we swim swim
Same😂
An Idiot - Never Learn from their mistakes
A Smart Person - will learn from their mistakes
A Wise Person - Learn from other people's mistakes. :3
A wise person would learn from others mistakes, and their own...
@@ogbm4338 ???
WixTro There's no correlation between IQ and wisdom so maybe their definitions are wrong 😂
The wisest of men learn from other's mistake, because life is too short to learn from your own.
Truey
Amazing content. I started a bit late (graduated from my doctorate program at age 30 in 2016 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 voo, but have been putting a lot into schd the past few months). I dunno 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 like you alluded to in your video.
I and my wife diversified my $400K portfolio across various market with the aid of an investment advisor, I have been able to generate over $920k in net profit across high dividend yield stocks, mutual funds and alternative investments.
it all depends on how long you're willing to hold for and your strategies, stocks might likely tank further, but making serious gains in this downtrend shouldn't be a problem if you're a pro
@@meredithelbert6608 Sounds great. I could really use the expertise of an advisor. Just can't find while I'm away for work in New Zealand for another year. Who is this person guiding you?
@@robertthurmond8161 His name is James Fletcher Brennan, he’s actually the only person I know that’s richer than me haha
@@meredithelbert6608 Thanks for sharing this. Verified him on the SEC site and he is solid, wrote him and scheduled a meeting.
I feel so positive now, Thanks for this beggining of my journey hope it works out
Don’t go to college tell that to my African parents.
They bout to take you for deliverance or sum
@@ogunleyeayomikun6514 nah, they would beat him
I swear they are so close minded
If KSI can do it so can you
Fr, not going to college literally isn’t an option for us
When I was little my parents gave me an allowance of 10 dollars a week, and my mom made me pay “tax, rent and utilities” in the end I got 7 dollars a week, the other 3 went to my savings
The solar System This comment is for people thinking of entering into stocks. For trading,now is the right time don't postpone,Robinhood is how I got started a few months ago. It’s a free platform to trade stocks.invite.robinhood.com/satvikv8 is a link. You get a free stock if you do it through the link. I do too! 😄But of course, do your own research, but I love it.Or M1Finance is great for Long term investment !! Here's the link for kick start of 20$ or 10$ mbsy.co/wpnR7 for m1 finance. Good luck ! And also for high yeild interest www.wealthfront.com/c/affiliates/invited/AFFC-LK9M-HL1A-PBIB click the link for wealthfront , you get your first $5000 stock investment managed by best hands !! :)
The solar System Allowance damn
I literally wrote everything down and set a reminder on my phone for when I turn 18 so I can get this started.
I'm 17 bro and feeling lucky watching this video so early thanks
Graham: When you turn 18 get a credit card
*screams in Dave Ramsey*
IntensePeppers Haha! Yeah, I don’t know many 18 year olds that can handle a credit card responsibly.
Hunter Manzano most of kids my age (18-19) can’t handle their debit card properly
@@HDmanzano1995 Most 18 year olds couldnt get a REAL credit card. It'd be secured meaning what you put down is your credit line. No risk
a m what do you mean?
@@amSportsPicks Not really. Because if you're young and just starting out, it helps establish credit.
When you turn 18, learn how to make 20 cent iced coffee and 90 cent avocado toast. This is the most important thing at that age.
I like that I will definitely be needing to practice this. I never eat out but I always depend on my family to make dinner usually throughout the day I don’t even eat lol!!
Ummm can u teach me😂
Turned 18 yesterday, got accepted for the discover credit card, opened a Roth IRA and my own personal checking account, have a job, I also have investment plans and im looking forward to seeing where I end up in a few years. Thanks for the advice.
Goodluck bro
can we get an update?
@@ellasworld4214 I got another credit card soon after that, planning on getting a third one soon, my credit score is 717 now. That checking account I opened gave me 300 bucks for getting direct deposits, the ira account gave me 100 bucks, I think I've got some other bonuses as well. I opened a samsung money by sofi account and I have 2.5% APY in that account. I'm a little behind on the investing though, I have been investing but not as much as I should. All in all doing pretty good right now financially speaking.
@@lucasmitchell369 damn . Good luck buddy
Me who isn't 18 years old:🙂🙂
I’m almost 24 and I’m so glad I’m seeing this. I’m in a point in my life where I can see I’m on the tipping point of either figuring it out or ending up like my parents and being in debt forever. Thank you.
Fug Lee This comment is for people thinking of entering into stocks. For trading,now is the right time don't postpone,Robinhood is how I got started a few months ago. It’s a free platform to trade stocks.invite.robinhood.com/satvikv8 is a link. You get a free stock if you do it through the link. I do too! 😄But of course, do your own research, but I love it.Or M1Finance is great for Long term investment !! Here's the link for kick start of 20$ or 10$ mbsy.co/wpnR7 for m1 finance. Good luck ! And also for high yeild interest www.wealthfront.com/c/affiliates/invited/AFFC-LK9M-HL1A-PBIB click the link for wealthfront , you get your first $5000 stock investment managed by best hands !! :)
best of luck man, were both crazy young still (im 18). I was always curious and luckily found out about finance/ investing at 13. im currently 18 with a 10k dividend portfolio.
I hope things are going well for you my friend !
@@h.vargas1245 I barely know what I am doing I wish I knew about investing when I was younger. Congrats!
@@onyebuchii2317 Thank you. They are rough after quarentine but I hope things are going well for you too!
I have literally learned more useful information in this video than I have my whole time in high school
Courtney's Corner I highly doubt it
Luke Bas , keyword *USEFUL*
@@devinisreal9356 Oh yeah, because being able to do math and understand basic sciences and history is completely useless. Do you ever wonder how you get anti-vaxxers and flat earthers?
Chad Glazier i know for a fact that i’m never gonna need to know how to use sin cos tan
@@cjc1212 What career do you have? That stuff is useful for anyone between a mathematician and a carpenter. And how much effort did it take for you to learn it?
Just turned 18 today, and I’m doing every single one of these!! Thanks😁
Dang, as a high school senior, I’ve done all of these 😳😂
Yay, started watching these videos at 15, I'm still 15
That's awesome!
15 year old gang.
Eyyyyy 15-year-old gang
Waiting to turn 18 to use my methods in the stock market
Mathew Clephas
Well ain’t you a try hard (with the most possible sarcasm)
My parents got me a really basic credit card when I was 18 (£400 limit or something) and they didn't let me have it, they used it for shopping and on small purchases and paid it off every month which built my credit card rating for me because of them. They did the same for my older sister.
Conor Reid that’s sounds good but I think it would’ve been better for them to let you be responsible and learn how to handle money yourself
@@aimebita6410 no
Aime Bita id appreciate being in the nest a little while longer tbh.
same! now im 19 with like a credit score in the low 700s
@@aimebita6410 It would've been better if you shut the hell up. You obviously don't have the least amount of sense if you don't even understand that children have no control over money and would've destroyed the only chance they had at ever getting any decent amount of credit. Put more points in intelligence next time or just don't ever breed. Either one works.
Despite the fact that stock prices fluctuate, what is the best method for capitalizing on the current market? I'm still undecided about investing $400k in my stock portfolio.
I was recently through an investing nightmare during the crash in march 2020. With the assistance of my advisor I have so far grown my dwindling portfolio of $145k to $480k
Pls who is this coach that guides you? I’m in dire need of one
My consultant is Nicole Desiree Simon She has since provide entry and exit points on the securities I focus on. You can look her up online if you care for supervision.
I Found her online page by searching her full name, I wrote her an email and scheduled a call, hopefully she responds soon. Thanks
What’s up with your 400k?
Investing in the right stocks that are profitable benefiting from secular shifts in consumer behavior can significantly increase the chances of finding a life-changing investment.
It's never too late to start investing. The best time to invest in stocks was always yesterday and the second best is always today.
Making the decision to embark on my investing journey really set me up for greater financial independence
All investing should be within the stock market, it sure does provide opportunities to earn some decent payouts.
I'm 20 years old and you SOOO right!!!! When I went off to college at 17, I felt so bad about myself because I was going to a community college and I wasn't going to a 4-year institution but, now I feel so much better knowing that I'm in my third year of school and owning no money. Another thing, I did when I was 17 is asking my mom to take me to the bank and open a credit card with her. Now that I'm older I thank myself for that, I also plan to open a Roth IRA soon as a gift to myself for my 21 birthday.
hah, im from muslim country and debt, intererst etc... is evil here when ı said to my mom "should ı take bank kart?" she yelled to me and said "kredit cart is haram" ( she even doesnt know what is the difference bank and credit kard)
@@mustafaakkoclar1272 i’m muslim too, credit card is not haram at all, however it’s haram to collect interest from another person
Repent of your sins and put your trust in Jesus Christ!
@@kayvoncrenshaw1799 there is no any evidence about jesus's existence
@@mustafaakkoclar1272 Loooool. Name me once non-secular historian who agrees with the asinine statement. It is ludicrous in and of itself and a self-defeating statement predicated on presumptuous ignorance. There is so much evidence out there about the tomb being empty and Christ walking the Earth with confirmed miracles.
I want to challenge you on your stance. Do you believe there is a God? Do you believe there to be an afterlife?
Graham: "Advice For Teenagers"
My 14 year old brain: "Finally, this was what I was looking for"
Also Graham: "18 year olds"
Same im 15 tho
Same im 13 tho almost 14
You guys can get a Roth or a credit card under ur parents
@@jessicachang9656 My parents are too strict, they wouldn't allow that sadly
@@Xusemeh do.you work? If you work... They see it and you spend ur own money.
You work for 40yrs to have $1M in your
retirement, meanwhile some people are putting just $10K in a meme coin from just few months ago and now they are multimillionaires....
You are right, to be a successful person in life require him or her of hard work and time.
The thing about been successful is working toward it and not going the other way round.
It's obvious everyone is doing this online Investment
@@kirstenraedmund7346I totally agree with you it has been an eye-opening experience for a lot of people..
Investment is the key to achieving success with the current pandemic slowing down so many businesses aww.
We learned in this 18 minute video more than we did in the 13 years in school
Don't get a credit card at 18 if you don't have self control
Get one, cut it up, put a small subscription on it, and have your bank auto-pay it until you learn how to be a responsible adult.
Get Self Control yourr 18 not 14
robo9876 Don’t get a credit card at any age if you don’t have self control
Self Control is skill that can be easily learned if one is willing to learn that skill. There are many tools/apps out there to track spending that are free to use that can help you learn how to manage money. Also, if you get a secured card and put money down it's a great safe way to learn how to use credit. If you screw up on a bill the credit card company will use your deposited money to pay the debt off. Good tool to build and learn how to use credit. Finally, if your really set a card for a specific purpose such as using the card for only gas or a subscription and set up automatic payments.
Emily Lerdahl idk there are definitely people I would never recommend credit cards to in a million years even if they want to have self control
I’m only 16 but I want to learn all these things because when I become very wealthy i wanna help the people in need of money also my family if they need it but the thing ima do with my money the most is donate it and just make people’s life better then it would ever would be so thank you for teaching
That's exactly what I want to do, my parents never had money so I want to set my self up but I don't know how to
Bro I'm legit just gonna be honest when people get money its really hard for them to let it go.
@E mc2 Bro nice Dr. Stone profile pic👍
I’m needing like 100k
That’s the exact same thing that I want to do and just experience fun things
Put the video on 1.5x and thank me later
There's no better guy to take advice from than a millionaire!
Thanks Graham!
🌟Thanks 🙏 for your comment for more profit in crypt0 currency and trusted investment I'll direct you to my expert Mr Adam Walter his strategies are top notch
+1 9 2 0 2 1 4 6 3 7 7
Me : I want to reconsider college
My Indian Parents : So, you decided to take up engineering
Same mayn 🤣🤣✌️
Or doctor
My indian brother in law is going to SIU-E for engineering rn lmao
😂😂
Looooll
Hey Graham, can you react to the video “ why it’s more expensive to be poor” by. Two cents on TH-cam?
Ginny love that channel!!
yes PLEASE I saw that and I would love for him to react
Please!
Tell him in insta i don't think he get notified about this comment
Some other advice: Don't open multiple credit cards at once. I did that and I missed out on the bonuses offered and they all dinged my credit with hard inquiries. Instead, open one card per year and meet the minimum spending requirements to get the bonus then keep it open. Never close a credit card unless it has an annual fee.
Yes! You can take advantage of 15-18 months of 0% APR on opening a new credit card every year or two.
"If you're still struggling when your in your 40's and 50's , You should've set yourself up better from the start"
- Kris Karpulk
Just had a conversation with my roommate and she thinks there’s no difference between investing and gambling...
The lack of knowledge in this area is unbelievable! We need to help those to generate wealth through INVESTMENTS and not the CASINO
Is she referring to the riskiest investments? Because the math disagrees one is more about probability the other has levels of risk, is she a stem major by any chance?
@@erikt3162 I'm talking about any type of stock market investing of your choice. Dividend, long term investing was what I was advocating!
Your roommate has a point, which is most people equate (maybe correctly) Wall Street with a casino.
1Life not true man. Investing is a learned skill! You can create your luck when you invest, while the casino creates your luck for you in gambling.
You haven’t experienced 2008 yet. Just wait
"live below you means" was the best advise I needed
Thank you for this informational video! I definitely agree with what you said about college. I'll soon be a senior in high school and it seems like everyone is planning on going to college after graduation. I feel pressured by my counselor and peers to go, knowing that if I do, I'll end up in debt because I have no idea what I want to do as a career. You explained everything very well and I found it easy to pay attention. I learned quite a bit of new things and I hope to implement them into my life by the time I'm 18!
I’m 21 and I just opened the Roth IRA with vanguard like you recommended. I really didn’t know about what type of retirement accounts I should have, so I’m so glad you made this video☺️
This is so important for the younger generation!
Let’s help him get this video VIRAL
I turned 18 yesterday. First thing I did was open a Roth IRA and get a credit card. All thanks to Graham 👍
I turn 18 in two days and those are on the top of my to do list because of him too
Which Roth did you open?
Tania and Ahmad read the comment again
xxP1ST0LER0xx still doesn’t help... there’s two different Roth IRA’s. I need the link and which one to sign up for.
Sign up to vote!
First minute made me cry man I love you bro thank you
Words of GOLD!!! I wish someone explained me these things when I was a teenager! I am becoming addicted to watching your videos, they are great!!!
Hey Graham I did the math and you can make tea for less than 5 cents per cup... do you know how much money you could save over the years not wasting money on 20 cent coffee
TheReal Gaben how?
@@roulahabs Liptons tea on amazon is $9.37 for a box of 312 tea bags. 9.37/312=0.03 or 3 cents per tea bag then you just add water prices and prices of whatever sugar or other sweetener you want, if any. All you have to do is take the bag fill it with water and microwave it.
@@bettermentboss Somebody understands! Graham is telling us these false prophecies of millions of dollars from 20 cent coffee but he never told us of the one true prophet 5 cent tea.
TheReal Gaben did you even add the shipping costs!
@@bagamsnsnsnsns2062 on amazon its free with prime not sure without
I lowkey feel like the earth is gonna end by the time I'm 59.5 should i even do this
Julia C same :(
😂😂😂👏🏻
Anton
It was a joke to poke fun at the climate change crisis, Anton. You must be fun at parties.
@Anton whats the matter with you
Julia C LMFAOOOO
Timestamps for myself:
1:14 Go Get a Credit Card
3:47 Open a bank account
5:57 Sign up for a ROTH IRA
8:25 Stay out of debt
9:54 Go get a job
12:00 Live below your means
13:42 Reconsider college
15:50 How to invest
i'm 20 and i had no clue what a roth ira even was. i think you just saved my life.
where were you 40 years ago lol. Listen to this guy. Everything he mentions is gold. Especially the college debt portion. I could kick myself for making a lot of the mistakes he mentioned n this video. Keep up the good work Graham!!
@@gggigito79 bruh just do it yourself. Stocks ain’t hard. If you can’t do stocks then idk what to tell you. Stocks is easy money.
Graham: GET A JOB
Me:
Coronavirus: No
I was about to say this lol
Amazon is hiring!
Shabella Oliver don’t they like shitting on their employees
Joe Mama yes but you get hired in 3 days and it’s $15 an hour
@@shabellaoliver3484 im 18 later this month is it too late to get a job at amazon or are their vaccancies still? from the uk btw and my friends already work there but i dont wanna ask and sound like a beg, thanks!
Pressuring kids to go to college is indeed an epidemic that needs to be stopped. My (Asian) parents pressured me into going and I'm glad that I got out of there and dropped out when I did because it was an incredible waste of time.
Graham is like a brother to me, I don't have a brother but he makes me feel like I had a very advisable brother. Thank you, Graham.
I’m 19 now- from Australia. After graduating high school I worked 100 hours a week and saved 90% I had about 35k saved! It was a great feeling, but I had a reason, I have now moved to NYC and studying at my dream acting school- but after moving here and not working for like 2 months and Setting up my life (as well as exchange rate and bank fees) I had $84 in my bank accomt hahaha (nervous laugh)
But I’ve been watching these vids- started up my photography business over here and I’m back on track
Thanks for all your help!!
Get some cocaine
What work did u do for those 100 hours ??!! And did u get 35k a month or a year?!
@@eliteking1471 So from 4:30am - 12noon I worked making sushi, then from 12:30pm to 4:30pm I worked in a cafe and then I worked from 5-9:30 at a takeawayshop as a manager. This was most days, on Saturday/Sunday my hours would vary. I just did the taxes for it, it was 35k saved in 8 months, I made about 50k between jan- august when I left for school.
After looking back. I can highly advised against this tho. The toll it took on my mental health was much more than what it was worth. Now that COVID had come through and i've had time to slow down. I realise that deferring a year and saving at a steadier rate while working better hours would've been just as fulfilling without the constant feeling of 'I'm not making enough money" and "I wanna crash into a tree"
But yeah. Very weird time of my life that lead to some of the best experiences I've had so far!
i hope you get everything you want out of this life 💖 good luck with your acting! (im aussie too, hehe)
Photography business? How do you make money from photography? 🤔😮
I'm currently 16 and just watched the video and set a reminder for this video for 2 years from now on my Birthday 😂
@Rayyan Charania 😂
Smart! But now is a great time to start learning all you can about investing your money. Learn as much as possible so you're ready by the time you're 18.
The problem we have is because Most people always taught that " you only need a good job to become rich " . These billionaires are operating on a whole other playbook that many don't even know exists.
The sign on your desk is epic itself “do epic sh**” lolooo😭💯
I’ve had a bank account since I was 10, been working a job since I was 14, and got a credit card a week ago, after I turned 18. Can’t stress enough how important these things are!
How's it going? Are these tips working for you?
PLEASE GIVE UPDATE 🙏🙏
I'm 18 and I've done all of these things since I found your channel. 😊You're a lifesaver.
Awesome!
Nice
What country are you in?
Literally turned 18 today and the first order of business was opening a credit card with my school’s credit union.
Bro I have a job! QUIT YELLING AT ME!!! Jk man, great video! I’m 18 rn, and just got the job of a lifetime for me. My income has become insane within one month and I need videos like this to know what to do with it. Going to get a credit card rn!
Went to community college for two years then finished my bachelors at a state university. Excelled at community college and got a full scholarship to finish my degree. I continued to work 20 hours a week even when I had a full ride to school. Was able to graduate absolutely debt free and invested over $8,000 in my Roth IRA.
GO TO COMMUNITY COLLEGE!!!
Better yet, do early college! Started community college sophomore year in high school, going to graduate high school with an associates, completely covered. (Plus I get a $150 gift card per term for textbooks... if I need to buy them 😉)
@@juliaborcoman5388 that's awesome Julia! I always wish I had done that!
Amazing way to stay debt free! Wish more people our age looked into this option. very unfortunate to see my friends going into such high amounts of debt in just their first two years of state university.
Big facts! Did the same thing!
I looked into the roth ira. And I started it on vanguard. But once I put my banking info in how does it work
When I turned 18 I got my first credit card and recklessly spent and racked up thousands in debt. Just over 2 years later I finally finished paying it off today. My credit score was trash but it’s gone way up. Only use your credit card if you have the money!!!
I am happy you got out of it. Have a good day bro
@@Xusemeh thank you
Now that your out of debt, you could invest in stocks, that’s what I’m doing, I’m 14
@@wasserpophim5935 how do you invest before 18? (I’m 15)
@@calebbundy787 Utilize your parents like their licenses, social security since you’re underaged
Best consistent TH-camr in the Financial - Real State topics. Really enjoying and making profit from your vids
I’m going to college, but it’s local and I have an almost full ride for the first two years.
I’m 18 (turning 19 soon) and this is my stats.
1. I’m waiting my first credit card now. It’s coming either today or tomorrow. (Student discover card)
2.i had my own bank account since I was 16.
3. Never knew about to Roth IRA. I will look into it more.
4.I have no debt.
5. I have a seasonal summer job, and a student job at college
6: I save well. But I live in a low income family I often give my money to help my family. I working on it lol.
7. I’m turning a sophomore in college, I’m not sure what I want to do but I’m on a scholarship so I have no debt right now. Parents didn’t go so a lot of pressure is on me.
8. I want to invest. But Im working on it.
Adrianna Green You’ll slowly get there, I’m also turning 19 soon but I haven’t even graduated high school lmaoo and because of that I’ve been able to save a decent amount of money
Crazy... turned 18 yesterday and see this in my sub box, love it
Congrats man!
OfficialMVRSH
Congratulations 🎉🎊🎈🍾
Good luck bro!! I’m only 16 lol
Take advantage of your age! Everything in this video is true! I started at 20. I grew up in a low-income household. Wish I could have done it by 18 but Now I'm 24 with 800+ credit score, 100k in total credit card limits, Roth IRA, 2 nice cars with low payments, and a co-business owner.
@@Mickystfu thank you, this is truly the kindest, most supportive comment section i've ever seen.
i turn 18 in 2.5 weeks and i couldnt be happier that i spent 19 minutes watching a youtube video
I´m really happy that I fill most of those requirements already, feels good to know I´m in the right path :)