The GameStop Infinite Money Glitch Explained Graham Stephan 2026-09-27 | The GameStop Infinite Money Glitch Explained
California Has A Major Problem Graham Stephan 2024-10-16 | The Mayor Of Santa Monica Speaks About A Major Problem In California - Thanks For Watching!
Zach King Makes ZERO MONEY From Videos Graham Stephan 2024-10-15 | Here's why @ZachKing Makes No Money From His Videos - Enjoy!
How Caleb Hammer Met His Girlfriend Graham Stephan 2024-10-07 | Here's How Caleb Hammer Met His Girlfriend
Why “Looking Poor” Is Important Graham Stephan 2024-10-02 | Take your personal data back with Incogni! Use code GRAHAM at the link below and get 60% off an annual plan: incogni.com/graham | Let's discuss the importance of Looking Poor - here's my take on a popular topic. Add me on Instagram: GPStephanGET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: http://grahamstephan.com/newsletterThe YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EBFor business inquiries, you can reach me at grahamstephanbusiness@gmail.com*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice.
Zach King Reveals His Investment Portfolio! Graham Stephan 2024-09-25 | @ZachKing Zach King Reveals His Investment Portfolio!
URGENT: Federal Reserve Announces MASSIVE Rate Cut, Bailout Begins! Graham Stephan 2024-09-18 | Get free life insurance quotes from America’s top insurers and start saving today with Policygenius: https://Policygenius.com/graham | Thanks to Policygenius for sponsoring this video! Let's discuss the Federal Reserve Rate Cut and what this means for the stock market, housing prices, and your money | Add me on Instagram: GPStephanGET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: http://grahamstephan.com/newsletterTHE AUGUST INFLATION REPORT: It was just reported that inflation only rose by 0.2% in August, which was the lowest level since February of 2021. This effectively puts the 12-month inflation rate at just 2.5%, with Energy being one of the main culprits, having fallen 4%. On top of that, Used Cars and Trucks have declined 10%, new vehicles are down 1.2%, and oil is down 12.1% over a year.THE STOCK MARKET: Since the market is always forward-looking, stocks might sell off because rate hikes have already been priced in. For instance, one Investing.com analysis made the argument that investors “front-run” and anticipate future rate hikes - or cuts - and therefore, everything that happened today is already factored into where it’s trading. In terms of what’s most likely to happen in the future, history tells us that it all depends on whether or not we avoid a recession, which means according to all of the data, it appears as though rate cuts do not make AS BIG of a difference as people make it out to be, compared to the overall health of the economy.HOUSING PRICES: The good news - for buyers - is that prices are starting to get cut. A recent report found that “The share of available listings that saw a price cut in July rose to 18.9%, causing the median price to fall from $445,000 to $439,000." Realtor dot com says there are two reasons for this: First, interest rates remain higher than expected (which means less buyer activity) and, two, a lot of would-be buyers are holding out for lower mortgage rates in the future - so, sellers are reducing their prices to entice them back. In terms of rental prices, new data found that one-in-three property managers offered a concession on rents amid a glut of supply. Apparently, multi-family construction is on the rise, with “more units completed in June than in any month in nearly 50 years.”The YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EBFor business inquiries, you can reach me at grahamstephanbusiness@gmail.com*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice.
He Bought 3 Bitcoins And Lost Everything Graham Stephan 2024-09-09 | He Bought 3 Bitcoin and Sold At A Loss - Here's Why - Enjoy! Thanks to @BetterLifePodcast for the podcast!
Chase Bank Glitch: How To Get Infinite Money (DONT DO THIS) Graham Stephan 2024-09-03 | Take your personal data back with Incogni! Use code GRAHAM at the link below and get 60% off an annual plan: incogni.com/graham | Let's discuss the recent Chase Bank "Glitch" where customers are falsely reporting "Infinite Money" - Thanks for watching! Add me on Instagram: GPStephanGET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: http://grahamstephan.com/newsletterThe YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EBFor business inquiries, you can reach me at grahamstephanbusiness@gmail.com*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice.
WTF Just Happened To California?! Graham Stephan 2024-08-23 | I drove back to Santa Monica, California to meet with the City Mayor, Phil Brock, and discuss the concerns brought up by local residents. Phil Brock was incredibly helpful and provided some very good insight as to the overall problems caused by the state of California - here's what this means for you. Enjoy! Add me on Instagram: GPStephan FULL INTERVIEW HERE: youtu.be/KyNP5cwuDo4California Insider Interview with Phil Brock: youtu.be/JVhkjIVUoB8?si=qsuWUFg7HOoOPvl7GET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: http://grahamstephan.com/newsletterThe YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EBFor business inquiries, you can reach me at grahamstephanbusiness@gmail.com*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice.
WTF Happened To Santa Monica, California?! Graham Stephan 2024-08-14 | Let's discuss what's happening throughout Santa Monica and Los Angeles, California, the problems they're facing, and my thoughts on the entire situation - Enjoy! Add me on Instagram: GPStephanWatch German In Venice video: youtu.be/ABx2kUduwbI?si=V4ID1ekiImy_FCrfCheck out my affiliate link http://acorns.com/graham to sign up and receive a $20 bonus when you start saving & investing with Acorns! GET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: http://grahamstephan.com/newsletterThe YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EBFor business inquiries, you can reach me at grahamstephanbusiness@gmail.com*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice.
It Started: Japan Just Broke The US Stock Market Graham Stephan 2024-08-06 | Let's discuss the Japanese Yen, why Carry Trades have caused a stock market sell, what this means for federal reserve interest rates, and what you can do to best come out ahead - thanks for watching! Add me on Instagram: GPStephanGET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: http://grahamstephan.com/newsletterThe YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EBFor business inquiries, you can reach me at grahamstephanbusiness@gmail.com*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice.
BREAKING: Federal Reserve Announces Upcoming Rate Cut! (Major Changes Explained) Graham Stephan 2024-07-31 | Get 50% off your first order of CookUnity meals — go to cookunity.com/graham50 and use my code GRAHAM50 at checkout to try them out for yourself! Thanks to CookUnity for sponsoring this video! Let's discuss the Federal Reserve Rate Hike and what this means for the market - Add me on Instagram: GPStephanGET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: http://grahamstephan.com/newsletterThe YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFF STOCK MARKET RETURNS: Over the last 100 years, the Stock Market has averaged a 10.3% annualized return - but, if you isolate presidential election years, that jumps to an 11.6% return.In terms of which political party is “better” for the stock market, it really depends on whose data you decide to look at. For instance, YCharts found that the average Democratic President achieved an 8.72% return when both the House and Senate were majority Democrat, a 15.72% with a split Congress, and a 14.55% return with a Republican Congress.On the other hand, Republican Presidents received an averaged 11.7% return with a Republican Congress, 12.2% with a divided congress, and just 1.04% with a Democratic Congress. Ultimately, what it seems to favor - historically - is that a divided Congress is best for the markets because any extreme proposals won’t pass, so it’ll be more of the same.HOUSING PRICES VS RENT CONTROL:Under a new proposal, the president calls on Congress to “cap rent increases on existing units at 5% or risk losing current valuable federal tax breaks - and provide $10,000 in mortgage relief to unlock homeownership for millions of Americans.” But, practically, Rent Control has actually been found to make the housing situation worse. A Stanford study argued that Rent Control has an adverse effect on prices for renters and works against making housing more affordable: -Rent-controlled tenants were 20% more likely to stay in their unit.-Renters were more likely to move elsewhere if they didn’t have the incentive of having their rent capped where they currently were living-In the priciest neighborhoods, turnover was HIGHEST as landlords actively try to remove tenants to achieve market rents-Landlords of rent-controlled buildings were more likely to convert their buildings in such a way that it wasn’t rent-controlled, reducing the amount of housing by 15%-The loss of available housing drove up the prices of rental units. It was found that a 6% decrease in housing supply led to a 7% increase in rental prices. The net result is that, based on these studies, rent control ends up restricting the supply of new units into the market - and while some renters may get a bargain and win the lease-agreement lottery, most people never get access to low rent-controlled prices; if they do, they are incentivized to never move out because it’s so cheap, lowering supply.THE FEDERAL RESERVE MEETING IN JULY 2024:Even though Jerome Powell didn’t outright say: “We’re lowering interest rates at our next meeting,” they did give us some clues that give the option to reduce rates, should inflation continue on a downward path, and if they decide it’s the correct move to make. To me, this is something that will likely take another year or two to “completely normalize” or get to a point where the federal funds rate hovers around 3.1% - which, they’re currently projecting to occur in 2026. My ENTIRE Camera and Recording Equipment: amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EBFor business inquiries, you can reach me at grahamstephanbusiness@gmail.com*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice.
How To Get A PERFECT Credit Score (For FREE) Graham Stephan 2024-07-24 | Get free life insurance quotes from America’s top insurers and start saving today with Policygenius: https://Policygenius.com/graham | Thanks to Policygenius for sponsoring this video! Here is exactly how I was able to get a credit score of 847 and how you can best use credit cards to improve / fix your score - Enjoy! Add me on Instagram: GPStephanFREEZE YOUR CREDIT REPORT HERE: Experian: experian.com/freeze/center.htmlEquifax: equifax.com/personal/credit-report-services/credit-freezeTransunion: transunion.com/credit-freezeGET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: http://grahamstephan.com/newsletterThe YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFF HOW YOUR CREDIT SCORE IS CALCULATED: -35%: On-time Payment HistoryThis means that you always pay your debts and credit cards on time, as agreed - without ever missing or being late on a payment. -30%: Utilization Rate This calculates how much credit you have available, versus how much of that you’re actually using. The less you use, the better. -15%: Average Age Of CreditOverall, lenders see that the longer you’ve had your accounts open for, and in good standing - the better the chances are that you will be a responsible, experienced borrower. -10%: Types Of CreditThis means that lenders want you to have experience handling MULTIPLE types of loans, just to prove to them that you know how to handle different aspects of debt. -10%: Number Of Credit Inquires The more hard inquiries you have - the lower your score will be because lenders are worried that you’re out there actively trying to seek new loans and credit. HOW I GOT AN 847 CREDIT SCORE: No Late Payments - Ever. Credit was opened in 2012. 0-1% Credit Utilization Across Credit CardsAverage Age Of My Credit: 12.6 Years Old (Newest Account Over One Year)Credit Mix: 8 Revolving Accounts out of 13. 6 Have been paid off, in full. 5 Mortgages, all paid on time. Large variety of past auto loans and other debts that have been successfully paid off. HOW YOU CAN DO SOMETHING SIMILAR: FIRST - Apply for a No Annual Fee Credit Card The reason behind this is that - the longer your credit cards stay active - the longer your credit history remains open - and the more established your average account age will be. SECOND - Always Pay Off Your Balances - IN FULL - By The Time They’re Due! Never carry a balance on a credit card, and never spend money that you weren’t planning to spend, anyway. All it takes to build credit is a few small purchases that get paid off in full. THIRD - Open ANOTHER no annual fee credit card after 6-12 months The more credit you have, the lower your overall utilization, the more positive tradelines are reported…and, the higher your score will be.FOURTH - after 12 months, you can apply for “rewards cards” like the American Express Gold. Even though this one isn’t necessary for a good credit score, certain cards can be used in such a way that they not only pay for themselves - but, you can also turn a profit. FIFTH - Continue adding “new” lines of credit over time. Again, this one isn’t “required” to have a higher score, but it does help (OVER TIME) if you have a mortgage, auto loan, lease, or other payment plan. And SIXTH - Once you’ve followed the above - Just Wait. This is the part where patience goes a long way - and, once you get your score above 780 - you can pretty much get the lowest rates anywhere you go. My ENTIRE Camera and Recording Equipment: amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EBFor business inquiries, you can reach me at grahamstephanbusiness@gmail.com*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice.
The BEST Investment in Shark Tank History Graham Stephan 2024-07-12 | @kevinoleary The Best Investment In Shark Tank History with Kevin O'Leary
Housing Expert: “Why Home Prices Will Crash In 2026” Graham Stephan 2024-07-10 | Here's exactly where home prices are falling and where the real estate could turn in 2024 - Enjoy! Take your personal data back with Incogni! Use code GRAHAM at the link below and get 60% off an annual plan: incogni.com/graham | Add me on Instagram: GPStephanGET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: http://grahamstephan.com/newsletterThe YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFF HOME PRICES IN 2024: The 18-Year-Cycle: This was originally identified by the British Real Estate Economist, Fred Harrison, and by using these techniques, he correctly predicted the housing market crashes in the early 1990s and in 2008 (a full decade before they happened). Currently, he believes the his next “housing crash” is predicted to occur in 2026. As he explains, each 18-year cycle consists of a 14-year expansion, where prices rise, followed by a subsequent 4 years where prices fall. At first, demand is low, the market is uncertain, banks aren’t lending a lot of money, and new constructions somewhat stall. However, in the next phase, demand begins to pick up, rents begin to increase as inventory slowly gets bought, and construction begins to pick up to satisfy the extra demand. In the third phase, the market starts to get overheated…prices rise at an unprecedented rate, and more inventory begins to flood the market. Some even call this “The Winners Curse” as new people buy in, expecting profits to be a sure thing. However - in the fourth phase, demand begins to fizzle out, overbuilding causes prices to drop, banks scale back lending, buyers wait because they believe prices will continue falling, sellers reduce their asking prices, and eventually, the cycle starts over again. Where Prices Are Falling In 2024:Currently, Texas and Florida are leading the nation with the largest price drops. As Business Insider reported, “Both states have been building more homes than any other part of the US, in a race to make room for pandemic-era newcomers.” Or, basically: the states that saw the largest pandemic “Boom” were also the same areas that saw the most development, most price growth, and most over-saturation to the point where - now - there’s not the same appeal, it’s no longer the most cost-effective, and there’s more demand than supply. Realtor.com also reported on the “Top 11 Markets” that are starting to see some of the largest declines. At the top of the list, we have Miami with an 11.2% drop year over year, Denver with a 6.3% drop, Seattle at 5.5%, Kansas City at 4.9%, Oklahoma City at 4.3%, and San Jose at 4%: realtor.com/news/trends/home-prices-falling-cities-where-prices-dropped-most-past-yearEven Manhattan Real Estate Prices are beginning to turn the corner, with the average sales price falling 3% thanks to rising inventory. In fact, there’s now 9.8 months worth of supply listed for sale, meaning they’re officially in a “buyer’s market.” Shrinkflation For Housing: Lately, homes are getting smaller for the sake of reducing prices. Previously, builders would want to maximize the square footage on vacant land for resale value, so they’ll typically max out whatever they’re able to construct. However, a recent analysis found that single-family homes have decreased in size to the lowest levels since 2010, and builders are beginning to focus their efforts on constructing more starter homes. Zillow even reported a 9.5% increase in single-family homes with fewer than 3 bedrooms. Overall, though - outside of a few markets that have declined - nationally, average prices have still risen 6.3% year-over-year, existing homeowners are paying 21% more for insurance than they did just a few years ago (again, thanks to higher building costs) and in the short term, that’s unlikely to slow down. My ENTIRE Camera and Recording Equipment: amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EBFor business inquiries, you can reach me at grahamstephanbusiness@gmail.com*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice.
I’m not engaged anymore.. Graham Stephan 2024-07-03 | Life update - normal content coming back shortly - Enjoy and thanks for watching! Add me on Instagram: GPStephan | Follow @TheIcedCoffeeHour HereTimestamps: 00:00 - Taking A Break From YouTube01:26 - My Thoughts On Marriage04:16 - The Problem with Social Media05:48 - The Problem with Finance ContentGET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: http://grahamstephan.com/newsletterFor business inquiries, you can reach me at grahamstephanbusiness@gmail.com*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice.
How Dax Flame Became Famous Graham Stephan 2024-06-27 | Dax Flame Just Hit 1 Million Followers on TTNEW BANKROLL COFFEE NOW FOR SALE: http://www.bankrollcoffee.comGET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: http://grahamstephan.com/newsletterThe YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB
How To Get Rich In Your 20s Graham Stephan 2024-06-24 | How To Get Rich In Your 20sNEW BANKROLL COFFEE NOW FOR SALE: http://www.bankrollcoffee.comGET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: http://grahamstephan.com/newsletterThe YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB
Disney Actress Wasted ALL Her Money Graham Stephan 2024-06-14 | How Christy Romano Spent All Of Her Disney Channel Money.NEW BANKROLL COFFEE NOW FOR SALE: http://www.bankrollcoffee.comGET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: http://grahamstephan.com/newsletterThe YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB
URGENT: Federal Reserve STOPS Rates Hikes, Prices Fall, Major Pivot Ahead! Graham Stephan 2024-06-12 | Let's discuss the Federal Reserve Rate Meeting in 2024, their summary of economic projections, and what this means for real estate, stocks, and your money - Enjoy! Add me on Instagram: GPStephanGET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: http://grahamstephan.com/newsletterLATEST INFLATION REPORT: Headling CPI decreased to just 3.3% per year, driven lower by the fact that oil and groceries are rising - year over year - at a much slower pace. All items - when averaged out - increased by NOTHING in May, which signals that inflation is continuing to move in the right direction. More specifically: Energy prices fell by 2%, new cars fell by 0.5%, all items LESS food and energy only rose by 0.2%, and Shelter rose by 0.4%. Core CPI declined to 3.4%, down from 3.6% last month.THE STOCK MARKET:As Marketwatch reported, for the first time since 2000, just three stocks make up 20% of the entire SP500 - and that’s Microsoft, Nvidia, and Apple. This means that - despite the fact that nearly 40% of the entire index is negative for the year, just a few very large companies are responsible for the majority of our new highs. Even though this certainly could be cause for concern, a separate analysis found that a few companies leading the market could actually be a good thing for future profits. That's because, since 1950, rising concentration led to even higher returns, especially since THOSE were the companies generating the most revenue. A Goldman Sachs representative also recently said that “A wall of money” from passive equity allocations will pour into the stock market in early July.” It’s also worth mentioning that - since 1928 - the first 15 days of July have been “the best two-week trading periods of the year for equities. The S&P 500 has been positive for nine straight Julys, posting an average return of 3.7%. The Nasdaq 100 has an even better record, posting gains in 16 straight Julys, with an average return of 4.6%.”HOUSING PRICES: Overall, Median housing values increased 6.2% year over year, to almost $434,000, which is the highest amount - ever - on record. On the bright side, there are 10% more listings on the market today than a year ago, giving buyers more inventory to choose from. This has resulted in almost 43.9% of homes going under contract within the first two weeks of being listed (down from 46.9%, a year ago) and 18% of sellers were found to have cut their asking prices, likely because they wanted too much money in the first place. Zillow has revised their 2024 projections and now anticipates that housing prices will only rise 0.6% for the rest of 2024, and actually decline by 0.9% over the next 12 months. As they say, an uptick in inventory “is causing some listings to linger on the market for extended periods, resulting in more negotiating power for buyers.”SUMMARY OF ECONOMIC PROJECTIONS:According to their projections, they forecast core inflation subsiding to 2.8% by the end of the year, falling to 2.3% by the end of 2025, and then finally leveling off at 2% by the end of 2026. In addition to that, they believe that the unemployment rate will begin to uptick slightly in 2025, to 4.2%, and that GDP will remain in the 2% range. However, when it comes to interest rates, this was the largest change: They expect to keep rates in the 5.1% range in 2024, which was significantly higher than their March Projection of 4.6%. In fact, they’ve signaled that they expect rates to stay higher - for longer - even throughout 2025 - at 4.1%. *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice.
Renting vs Buying a Home: What NOBODY Is Telling You Graham Stephan 2024-05-29 | Go to magicmind.com/graham - Code GRAHAM gets you up to 48% off your first subscription or 20% off for a one-time purchase - Enjoy! Let's discuss the pros and cons of buying vs renting a home and what might be better in 2024 - Add me on Instagram: GPStephanNYC BUY VS RENT CALCULATOR: nytimes.com/interactive/2024/upshot/buy-rent-calculator.htmlGET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: http://grahamstephan.com/newsletterThe YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFF BUYING VS RENTING A HOME IN 2024:-Down PaymentIn most situations, lenders will require you to put down 10-20% of the purchase price to get approved. -Mortgage Interest RateToday, that cost is the highest in more than 20 years, at just over 7%. -Potential PMIThis stands for “private mortgage insurance,” and it’s an extra cost - on top of your interest rate - that you pay to protect the lender in the event you stop making your payments. -Property TaxesThis is generally based on a percentage of the home’s appraised value, adjusted annually. -InsuranceAccording to Bankrate, the average home insurance costs $1428 per year for a $250,000 home - but, when 66% of homes are said to be UNDERINSURED - expect to pay more like $2200 for a proper policy (on average).-Repairs and MaintenanceOver the long term, it’s recommended that you budget 1-2% of the property’s value, every year, for doing normal repairs.Home Appreciation: Even though home values have generally increased every year, most of that increase is simply the result of inflation - and, once you adjust for this - you’ll be able to see that home prices stayed relatively flat for nearly 100 years, and didn’t meaningfully start to rise until 2001, when interest rates began to decline and improve home affordability. WHEN RENTING IS 'BETTER'-If you don’t intend to stay in your home longer than at least 10-13 years. That’s because you won’t need to come out of pocket for closing costs, escrow charges, commissions, and many other miscellaneous charges that quickly begin to add up.-If you can make a higher return from your down payment. For example, if you’re running a business - where, tying up $40,000 results in a lot less income - that could be a case against buying. -If you believe the market is going down or will stay flat. This means you'll have a larger opportunity cost for tying up capital, paying for repairs, and being tied to one property. -If you want very little responsibility or upfront cost. Outside of fixing items that you directly damage, the landlord will be responsible for all property tax and insurance increases, all major repairs, and anything else that goes “wrong” with the home.-If you value flexibility. With renting, you can leave as soon as your agreement is over. You can upgrade as much - or as little - as you want. WHEN BUYING IS BETTER: -Long term, over 20+ years, owning still tends to be the better choice. Over a long period of time, housing has been shown to be a rather resilient investment - so, the longer you wait - the more likely you are to come out ahead. -Locking in your monthly cost until your home is paid off. Now, even though property taxes, insurance rates, and repairs can fluctuate and will likely continue going higher, your fixed monthly costs will remain the same throughout the duration of ownership.-The psychological benefit that it's "yours."There’s a sense of freedom that comes along with owning your home, being able to do whatever you’d like with it, and not being at the beck and call of a landlord. TL;DRThere is something to be said about the fact that a mortgage forces you to save through your monthly payments. For many people, extra money is spent - not saved - and, under those circumstances, buying a home is a way to build equity. But, unless you’re certain you want to be tied down to a single property, long enough to save money - short term, renting and investing the difference could lead to a better outcome. My ENTIRE Camera and Recording Equipment: amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EBFor business inquiries, you can reach me at grahamstephanbusiness@gmail.com*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice.
Frankie Muniz Million Dollar Parking Lot Collection! Graham Stephan 2024-05-27 | Frankie Muniz Million Dollar Parking Lot Collection!NEW BANKROLL COFFEE NOW FOR SALE: http://www.bankrollcoffee.comGET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: http://grahamstephan.com/newsletterThe YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB
How To Invest In 2024 (The BEST Way To Get Rich) Graham Stephan 2024-05-22 | Secure your privacy with Surfshark! Enter coupon code GRAHAM for an extra 4 months free at https://surfshark.deals/graham - Enjoy! | Let's discuss how to build wealth in 2024, and how the top 1% manage their money - Add me on Instagram: GPStephanCheck out http://acorns.com/graham to sign up and receive a $20 bonus when you start saving & investing with Acorns!*Paid ad. Compensation provides an incentive to positively promote Acorns. The information and opinions presented are for informational purposes only and represent the views of the promoter as of the date created and are subject to change. Investment advisory services offered by Acorns Advisers, LLC, an SEC-registered investment adviser. View important disclosures at Acorns.com.GET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: http://grahamstephan.com/newsletterBUILDING WEALTH IN 2024: -Optimize for CashStart by tracking all of your expenses and income over the next 60 days using software like RocketMoney, YouNeedABudget, EveryDollar, MonarchMoney, or even your own excel spreadsheet - and then, log every single penny that goes into and out of your account. There has never been a better time in the last 20 years to earn money on your money, since High Yield Savings Accounts are almost ALL paying over 4% APY. -Pay Down High-Interest DebtThe average American now owes more than $22,000 - Credit Cards, Car Loans, and Personal Loans make up almost ALL of this - and, at today’s interest rates, this could EASILY be costing you thousands of dollars per year. In terms of the HOW to pay down debt as fast as possible - you have two ways: The first is called “The Avalanche Method,” and mathematically - this is the perfect way to pay down debt. This is because you’ll begin paying down the highest interest-rate debt, first, that’s costing you the most money - and then, once that’s fully paid off - you’ll pay down the next highest interest-rate - and the next - and the next - until eventually, it’s all paid off. The second method takes on a more psychological approach, and that’s called “The Snowball Method.” This works by paying off the smallest balance first, regardless of the interest rate, and then paying off the next smallest balance. The reason this works is because you’ll get the “win’ of paying off a debt, in its entirety - and by seeing results, faster, it’ll be easier to stick with it long term. -Creating a Roth IRAThis is an account that you contribute up to $7000 per year into - and then - by the time you’re 59.5, you can pull out all of your profit, completely tax-free. Not to mention, the ideal time to start and contribute to this account is when you’re young and not earning a lot of money, since - one: You’re probably already in a low tax bracket, so you have more after-tax income to invest, and two: You’ll have decades to allow compound interest to grow your money into something significant. -Choosing Your InvestmentsFirst: Diversify. You NEED to spread out your money across different companies, sectors, and areas so that if something happens to one - you’ll have others to fall back on.Second: Don’t Try To Beat The Market. Even though it’s tempting to want to utilize alternative investments, pick individual stocks, and create your own portfolio to get higher returns - the reality is: almost everyone fails. Third: Research Index Funds. A few years ago, Warren Buffett famously said that this is the single best investment for the vast majority of people. Index Funds cover a wide variety of stocks and industries, they’re well diversified, and - they’re really cheap to own.Fourth: Assuming you can follow the above - Dollar Cost Average and Do Nothing. Overall, if you want to build massive wealth - long term - all of it starts with the boring basics: Optimizing your savings, reducing high-interest debt, investing in tax-advantaged accounts, diversifying your investments, setting realistic expectations, and then - sticking with it consistently for decades. The YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EBFor business inquiries, you can reach me at grahamstephanbusiness@gmail.com*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice.
Why You Shouldn’t Buy A Home In 2024 Graham Stephan 2024-05-15 | Take your personal data back with Incogni! Use code GRAHAM at the link below and get 60% off an annual plan: incogni.com/graham | Let’s discuss why so many home buyers now regret their home purchase and the five most common home buying mistakes that almost everybody makes - Enjoy! Add me on Instagram: GPStephanCheck out http://acorns.com/graham to sign up and receive a $20 bonus when you start saving & investing with Acorns!*Paid ad. Compensation provides an incentive to positively promote Acorns. The information and opinions presented are for informational purposes only and represent the views of the promoter as of the date created and are subject to change. Investment advisory services offered by Acorns Advisers, LLC, an SEC-registered investment adviser. View important disclosures at Acorns.com.GET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: http://grahamstephan.com/newsletterMost Common Home Buying Regrets For Millennials…Chapters:00:00 - Home buying Regrets01:13 - Higher Prices03:04 - Regret #1: Too Much Maintenance05:41 - Regret #2: Bought Too Fast07:54 - Taking back your personal data with Incogni!09:35 - Regret #3: Spent Too Much Money11:16 - Regret #4: Buying a Fixer Upper13:37 - Regret #5: Pressured To Make An Offer14:34 - Regret #6: Didn’t Buy Sooner16:09 - Common Regrets17:02 - My Thoughts and Suggestions on How To Avoid RegretsThe YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=200OFF - $200 OFF WITH CODE 200OFF My ENTIRE Camera and Recording Equipment: amazon.com/shop/grahamstephan/list/2TNWZ7RP1P1EBFor business inquiries, you can reach me at grahamstephanbusiness@gmail.com*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice.
Why I Started Using Credit Cards Graham Stephan 2024-05-13 | Why I Started Using Credit Cards - Here's how you can get a great credit score in 2024NEW BANKROLL COFFEE NOW FOR SALE: http://www.bankrollcoffee.comGET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: http://grahamstephan.com/newsletterThe YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB
My Thoughts On Paying Higher Taxes | Kamala Harris Tax Plan Graham Stephan 2024-05-08 | Thanks to InVideo AI for sponsoring this video! Just go to this invideo.io/i/GrahamStephan and use my code “GRAHAMSTEPHAN50” to get twice the number of video generation credits in your first month | Let's discuss the latest tax plan and its effect on the economy - Enjoy! Add me on Instagram: GPStephanCheck out http://acorns.com/graham to sign up and receive a $20 bonus when you start saving & investing with Acorns!*Paid ad. Compensation provides an incentive to positively promote Acorns. The information and opinions presented are for informational purposes only and represent the views of the promoter as of the date created and are subject to change. Investment advisory services offered by Acorns Advisers, LLC, an SEC-registered investment adviser. View important disclosures at Acorns.com.GET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: http://grahamstephan.com/newsletterTHE NEWEST TAX PROPOSAL: 00:00 - Paying Higher Taxes01:52 - 44.6% Capital Gains Tax03:54 - Total 59% Capital Gains Tax04:57 - 39.6% Top Federal Income Tax06:21 - Creating Videos with InVideo AI 08:02 - The 25% Wealth Tax11:40 - Removing Unlimited 1031 Exchange15:35 - Tax Stock Buybacks (Lower Stock Prices?)17:12 - Higher Corporate Taxes (Lower Wages?)19:05 - My Thoughts On Paying Higher TaxesThe YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=200OFF - $200 OFF WITH CODE 200OFF My ENTIRE Camera and Recording Equipment: amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EBFor business inquiries, you can reach me at grahamstephanbusiness@gmail.com*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice.
URGENT: Federal Reserve Cancels Recession, Prices Fall, Massive Pivot Ahead Graham Stephan 2024-05-01 | Get free life insurance quotes from America’s top insurers and start saving today with Policygenius: https://Policygenius.com/graham | Thanks to Policygenius for sponsoring this video! Let's talk about the Federal Reserve meeting with Jerome Powell, his rate hike decision in May of 2024, and what this means for the stock market, housing prices, and the economy - Enjoy! Add me on Instagram: GPStephanCheck out http://acorns.com/graham to sign up and receive a $20 bonus when you start saving & investing with Acorns!*Paid ad. Compensation provides an incentive to positively promote Acorns. The information and opinions presented are for informational purposes only and represent the views of the promoter as of the date created and are subject to change. Investment advisory services offered by Acorns Advisers, LLC, an SEC-registered investment adviser. View important disclosures at Acorns.com.GET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: http://grahamstephan.com/newsletterThe YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFF THE LATEST INFLATION REPORT:Inflation increased to 3.5%, year over year, driven higher by several categories: Energy prices rose 1.1%, Shelter costs rose 0.4%, egg prices increased by 0.9%, and medical care services surged 0.6%. Core CPI also appears nearly unchanged from a year earlier. THE STOCK MARKET: Warren Buffett’s measure of the stock market suggests that prices are expensive. With this gauge, a reading of “100% is said to be fair, at 70%, stocks are a bargain price, and if it’s near the 200% mark - investors are playing with fire.” As of the time I’ve filmed the video, the Buffett Indicator is trading at 193%. However, in fairness - the Buffett Indicator is said to be somewhat flawed since it doesn’t take into account how interest rates could change a company’s valuation. Critics of the “doom and gloom” say that - in the past, bubbles were something hype, and this isn’t hype because AI is being deployed at an alarmingly fast pace. Plus, even a Blackrock Strategist said “The equity market rally that we’ve seen so far has been driven by earnings growth - If this earnings growth wasn’t taking place, I may have been more open to acknowledging the bubble concept.” THE HOUSING MARKET: Fannie Mae found that single-family home prices have increased a whopping 7.4% year-over-year, with 1.7% of that coming in just these last 3 months. It’s said that “the supply of new homes for purchase rose to 477,000 in the month, the highest since 2008” - and, the good news for buyers is that those new constructions are actually selling for 1.9% less than a year ago as the market begins to somewhat “normalize.” Zillow’s forecast “calls for 1.9% growth over 2024 – slower than long-term norms but a welcome slowdown for first-time buyers.” In this case, the main reason for even more growth is still the very real lack of inventory - and, the higher rates go - the less likely existing sellers are to move, which - coincidently, causes prices to rise. zillow.com/research/home-value-sales-forecast-33822POWELL RATE CUT:The Federal Reserve decided NOT to lower rates, which means this is now the 8th month in a row that they’ve decided to hold steady. In terms of what Jerome Powell said about this, he mentioned that “Right now, given the strength of the labor market and progress on inflation so far, it’s appropriate to allow restrictive policy further time to work.” They've also decided to slow the pace of Quantitative Tightening by purchasing more treasuries beginning in June 1st. In this case, instead of letting $60 Billion Per Month "Expire," they're only letting $25 Billion Expire and then reinvesting the difference. After today’s meeting, the most likely scenario is that Jerome Powell makes no changes until inflation begins to subside, which - is hopefully by the end of the year. If it doesn’t - or, conditions worsen - another rate hike might be in order.My ENTIRE Camera and Recording Equipment: amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EBFor business inquiries, you can reach me at grahamstephanbusiness@gmail.com*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice.
I Lost Huge Money on Robinhood Graham Stephan 2024-04-27 | I Lost Huge Money on RobinhoodNEW BANKROLL COFFEE NOW FOR SALE: http://www.bankrollcoffee.comGET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: http://grahamstephan.com/newsletterThe YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB
My Worst Financial Mistake (The #1 Wealth Killer) Graham Stephan 2024-04-24 | Get 50% off your first order of CookUnity meals — go to cookunity.com/graham50 and use my code GRAHAM50 at checkout to try them out for yourself! Thanks to CookUnity for sponsoring this video! Let's talk about my worst money failures and what you should avoid. Add me on Instagram: GPStephanCheck out http://acorns.com/graham to sign up and receive a $20 bonus when you start saving & investing with Acorns!*Paid ad. Compensation provides an incentive to positively promote Acorns. The information and opinions presented are for informational purposes only and represent the views of the promoter as of the date created and are subject to change. Investment advisory services offered by Acorns Advisers, LLC, an SEC-registered investment adviser. View important disclosures at Acorns.com.GET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: http://grahamstephan.com/newsletterTime Stamps: 00:00 - Gen Z and Millennials are Doom Spending01:16 - Saving Your First $10,00005:53 - The Health Epidemic08:28 - Eating Good Foods10:16 - Secret To Building Credit13:43 - Why Most People Fail18:18 - My Failures21:10 - My Biggest RegretThe YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EBFor business inquiries, you can reach me at grahamstephanbusiness@gmail.com*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice.
Everyone Is Wrong About Bitcoin: “Have Fun Staying Poor!” Graham Stephan 2024-04-17 | Get Started Today and Sign up for Experian Subscription Cancellation and Bill Negotiation by visiting http://www.experian.com/save or by downloading the Experian App - Enjoy! Let's discuss Bitcoin Price Predictions in 2024, the Bitcoin Halving, and the bull / bear case for the future - Add me on Instagram: GPStephanDisclaimer: Results will vary. Not all bills are eligible, savings are not guaranteed, and some may not see savings. Negotiation/cancellation services available with eligible paid memberships. See experian.com for details. ©2024 ExperianCheck out http://acorns.com/graham to sign up and receive a $20 bonus when you start saving & investing with Acorns!*Paid ad. Compensation provides an incentive to positively promote Acorns. The information and opinions presented are for informational purposes only and represent the views of the promoter as of the date created and are subject to change. Investment advisory services offered by Acorns Advisers, LLC, an SEC-registered investment adviser. View important disclosures at Acorns.com.GET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: http://grahamstephan.com/newsletterBITCOIN IN 2024:Bear Case Scenarios: Warren Buffet famously said “You can’t value Bitcoin because it’s not a value-producing asset…If you buy something like Bitcoin or some cryptocurrency, you don’t really have anything that has produced anything. You’re just hoping the next guy pays more.” Charlie Munger has taken a tougher stance - he's called it “Rat Poison that will go to Zero,” that it’s “crazy, stupid gambling - anyone who disagrees is an idiot,” and compares it to - and I quote: “Somebody Else Is Trading Turds And You Decide, I Can't Be Left Out.”The CEO of JP Morgan, Jamie Dimon, also agrees with this, slamming it as “worthless and a tool for criminals,” and then famously drawing comparisons to smoking, where - you have a right to use and own it - but, it’s bad for you. An economics professor at Harvard also makes the argument that “People in power will move to regulate anonymous transactions. That you can be sure of." Deutsche Bank also surveyed their customers, with the majority believing that it will fall below $20,000 by year old. Bull Case Scenarios:The asset manager of 3IQ says that his “mid- to high-range price target for bitcoin this year at between $160,000 and $180,000. Next year, it anticipates an eye-popping target of $350,000 to $450,000.”Another analyst also arrived at a $150,000 price target by assuming “$10 billion inflows for 2024 and another $60 billion for 2025," while Cathie Wood believes that $1 MILLION bitcoin could happen around 2030. Robert Kiyosaki says he thinks that a single Bitcoin will one day be worth $2.3 million dollars. Some people also cite past performance after the Bitcoin halving, in which - so far - prices have increased in the following 18 months. My Thoughts: Fortune recently published a fantastic piece about how Cryptocurrency is seen as “intergeneration revenge” on the financial system, and for the first time - people can take complete ownership of their own money - and, I agree. Of course, with that comes some potentially disastrous risks - but, so far - for those that have bought and held Bitcoin - they’ve been correct. That’s why I believe - sure, something like Bitcoin has its purpose and it could one day be worth a LOT more money - but, as many times have shown - it could also drop a substantial amount, and that needs to be considered. The YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFF For business inquiries, you can reach me at grahamstephanbusiness@gmail.com*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice.
My Response to the NAR Lawsuit (Real Estate Is Changing Forever) Graham Stephan 2024-04-10 | Start your 7 day free trial and get 25% off Seeking Alpha Premium with my exclusive affiliate link at seekingalpha.me/Graham | Thanks to SeekingAlpha for sponsoring today’s video. Let’s discuss the NAR Lawsuit Settlement and what this means for real estate, home buyers, and sellers - Add me on Instagram: GPStephanCheck out http://acorns.com/graham to sign up and receive a $20 bonus when you start saving & investing with Acorns!*Paid ad. Compensation provides an incentive to positively promote Acorns. The information and opinions presented are for informational purposes only and represent the views of the promoter as of the date created and are subject to change. Investment advisory services offered by Acorns Advisers, LLC, an SEC-registered investment adviser. View important disclosures at Acorns.com.GET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: http://grahamstephan.com/newsletterThe NAR Realtor Settlement: What Is The NAR?This is a trade organization that real estate agents can pay into if they want to receive the designation of becoming a Realtor®. This means they’ve pledged to a higher code of ethics, adopt additional industry standards, and they get access to a wide range of services and forms. The Current Payment Structure:The commission is - and always has been - completely negotiable. However, the MLS previously required that the listing agent offer some form of compensation to the buyer’s agent - even if it was just $1. Despite this, most buyer’s agent commissions were listed at 2.5% in the MLS. The NAR Lawsuit: The lawsuit alleges the “existence of an anticompetitive agreement that resulted in home sellers paying inflated commissions to real estate brokers or agents in violation of antitrust law. Their entire argument relies on the belief that - if commission rates were negotiated directly by the home buyer, for their own services, commissions might begin to fall as agents compete for the buyer’s business. The NAR Outcome For Housing Prices: FOR SELLERS: The only confirmed change is that the MLS is no longer required to display buyer’s agent commissions. This doesn’t mean that sellers can’t (or won’t) pay commissions - but it’ll no longer be a required section to list. For buyers, it’ll soon be required that they sign a buyer’s representation agreement before touring any MLS-listed property, that specifically states the amount or rate of the agent’s compensation. The Realistic Changes: I believe that buyers probably wouldn’t want to pay a cost like this out of pocket, especially when so many of them are already cash-strapped to begin with. This means, any commission would have to be written into the offer and “baked in” to the selling price of the home.Second, I wouldn’t be surprised if some buyers simply chose to forgo any representation, entirely, as a way to either save money or make their offer more competitive - which, can be incredibly risky. Sources:List of NAR Dues and Benefits: car.org/-/media/CAR/Documents/Your-CAR/PDF/Member-Dues-and-Benefits/2023-Frequently-Asked-Questions.pdfThe Basis of the NAR Lawsuitprnewswire.com/news-releases/if-you-sold-a-home-and-paid-a-commission-to-a-real-estate-broker-or-agent-a-class-action-lawsuit-may-affect-your-rights-302070013.htmlThe NAR Settlement for Buyers, Sellers, and Agentsapnews.com/article/national-association-of-realtors-agent-commissions-lawsuits-d62a66cb80639be3c4c3b429053a22c5The NAR Presidents Resign: https://www.nar.realtor/magazine/real-estate-news/kenny-parcell-president-of-nar-resignswashingtonpost.com/business/2024/01/08/national-association-of-realtors-president-tracy-kasper-resigning-blackmail-allegationThe $418 Million Settlement Termsprojects.propublica.org/nonprofits/organizations/361520690Sellers May Receive Only $13ocregister.com/2024/03/25/sold-a-home-recently-heres-what-youll-get-from-the-418-million-realtor-settlementAdditional Settlement Terms:veteransunited.com/education/nar-commission-settlementThe YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFF For business inquiries, you can reach me at grahamstephanbusiness@gmail.com*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice.
The Next Stock Market Crash (How To Profit) Graham Stephan 2024-04-03 | Check out http://acorns.com/graham to sign up and receive a $20 bonus when you start saving & investing with Acorns! Let's talk about the chances of a 2024 Stock Market Drop and what you can best to do prepare - Enjoy! Add me on Instagram: GPStephanPaid ad. Compensation provides an incentive to positively promote Acorns. The information and opinions presented are for informational purposes only and represent the views of the promoter as of the date created and are subject to change. Investment advisory services offered by Acorns Advisers, LLC, an SEC-registered investment adviser. View important disclosures at Acorns.com.GET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: http://grahamstephan.com/newsletterThe YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFF THE CHANCE OF A STOCK MARKET DROP: -Stock Market Correction: A 10% - 19.9% DeclineFirst, normal volatility throughout the markets is extremely common; since 1920, the SP500 has (on average) seen a 5% pullback 3x per year.Market Corrections are also fairly common - on average, a 10% correction happens every 16 months, and throughout the last 20 years, a 10% drop has happened 11 times.-The Bear Market: A 20% - 39.9% DeclineAccording to data, this typically occurs every 7-10 years - and when this happens, stocks drop an average of 33% over a period of 363 days. -The Stock Market Collapse: More than 40% Decline Throughout The IndexThroughout the last 120 years, this has only happened 4 times. Once in 1929, again during the 1970s, and again in 2009. THE CHANCE OF A STOCK MARKET DROP IN 2024: The economist John Hussman makes the argument that non-financial stocks are trading at levels that haven’t been seen since 1929 and 2001. Because of that, he believes that “These levels indicate the S&P 500 is likely to return around -5% annualized over the next 12 years.” David Rosenberg also believes there’s truth to the claims that stocks are poised to fall, saying "Just like the clown at the circus who keeps blowing up the balloon, at some point, that balloon is going to pop." As he explains, “The S&P 500 is up 32% in the past 12 months while corporate profits rose just 4% in the fourth quarter, meaning that the vast majority of those gains clearly can't be attributed to improvements in earnings results.” Instead, the market is simply going higher for three main reasons: A better-than-feared economy, significant jumps in earnings estimates, and the expectations of lower rates - that’s it. HOW TO PREPARE IN THE FUTURE: - Keep a 3-6 Month Cash SavingsThat way, you won’t need to sell investments to pay for your living expenses in the event you lose your job, your income slows down, or something unforeseen comes up while the market is low.- Diversify your investments. The more you spread out your money, the more you reduce your risk and volatility. - Continue The Long Term Plan of DCA Studies show that the best thing you can do is just stick to the plan, keep buying, and do nothing long-term. Historically, even though a bear market might temporarily lose you an average of 33% - a BULL MARKET has seen an average gain of 158%, and it lasts almost 5 times longer, at 1742 days.- Don't Panic SellOver the last 20 years, a $10,000 investment in the SP500 would have grown to $64,000 if you just kept the money invested. However, if you missed the best 10 days (over 20 years) your return would diminish down to $29,000.visualcapitalist.com/chart-timing-the-market- Keep Consistent IncomeAn cash fund could hold you over 3-6 months while, hopefully, the market recovers - but, if it doesn’t, you want to make sure you have some consistent income to either continue buying in or paying your living expenses so you don’t touch those investments and sell when you don’t have to. - Only Invest Long TermA few years is not long enough to ensure that you’ll actually make money, so - the shorter your investment timeframe is - the less likely you should be invested in something that could drop in price. My ENTIRE Camera and Recording Equipment: amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EBFor business inquiries, you can reach me at grahamstephanbusiness@gmail.com*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice.
Taking a step back (what happened) Graham Stephan 2024-03-27 | Here's a life update. Maybe you'll learn something - maybe not. Hope you enjoy it, and I'll come back with the regular-style videos next week. Thanks! Add me on Instagram: GPStephanPROMOTIONAL OFFER: Get FREE Fractional Shares when you sign up and make a deposit using my paid affiliate link for WeBull: https://a.webull.com/i/GrahamStephanGET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: http://grahamstephan.com/newsletterTimestamps: 00:00 - Intro01:18 - From $0 To $1 Million10:57 - Posting On YouTube13:47 - The Lockdown Effect On My Channel14:38 - The Scarcity Mentality19:08 - Hiring People22:05 - Optimizing Time25:09 - Growing The Business27:41 - What HappenedThe YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFF For business inquiries, you can reach me at grahamstephanbusiness@gmail.com*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice.
Why Steve Harvey Owes $22 MILLION to the IRS Graham Stephan 2024-03-25 | How To Pay LESS In Taxes In 2024 / Why Steve Harvey Owes The IRS Millions Of DollarsNEW BANKROLL COFFEE NOW FOR SALE: http://www.bankrollcoffee.comGET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: http://grahamstephan.com/newsletterThe YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB
URGENT: Federal Reserve Pushes Rate Cuts, Prices Rise, Market Hits All-Time-High! Graham Stephan 2024-03-20 | Let's talk about the latest Federal Reserve meeting with Jerome Powell, his rate hike decision in 2024, and what this means for the stock market, housing prices, and the economy - Enjoy! Add me on Instagram: GPStephanPROMOTIONAL OFFER: Get FREE FRACTIONAL SHARES when you sign up and make a deposit using my paid affiliate link for WeBull: https://a.webull.com/i/GrahamStephanSet up a Trust in minutes for your home! Enjoy the benefits, security, and privacy of placing your property in a Trust today (in minutes) - Use our sponsor http://www.GetDynasty.com/Graham/ and use the code GRAHAM for 10% OffGET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: http://grahamstephan.com/newsletterThe YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFF THE LATEST INFLATION REPORT:Inflation increased from 3.1% to 3.2%, year over year, mainly driven higher by the fact that several categories won’t go down. In terms of specifics, Energy increased by 2.3% in the month of February…Food stayed exactly the same, increasing 0.4% month over month (which is the same as Shelter), and Services are up 0.5%, with transportation making up the largest portion of that (rising 1.4% in the last 30 days).THE STOCK MARKET: The number of stocks hitting a 52-week high - has hit a 52-week high. In the past, all-time highs led to even more all-time highs one year later - and, besides the 1960s and 1970s era of stagflation - 3,5, and 10-year total returns were also positive. However, Bespoke Analysts have reported that “Sixty-seven stocks in the S&P 500 that are related to AI have surged by an average of 45.3% since the end of November 2022, when the first iteration of ChatGPT was released to the public.” To make matters even more impressive, "year to date, the average S&P 500 AI stock is up 3.7% compared to a gain of 1.1% for the non-AI stocks."On the other hand, the WallStreetJournal does reference the risks of today’s market, comparing it to a company like Cisco in the early 2000s. Back then, “its price-to-earnings ratio of 126 in the year 2000 was clearly overblown…although the issue wasn’t being in a bubble, but selling networking equipment to firms that were. When the digital rush ended, Cisco’s profit and growth suddenly halved.” THE HOUSING MARKET: As Jerome Powell says: “The housing market is in a very challenging situation right now’ and interest rate cuts alone won’t solve a long-running inventory crisis” - which, for anyone wondering - amounts to a shortage of 3.5-5.5 million homes. But even when interest rates DO eventually come back down…Jerome was quick to point out that “we’re still going to be back to a place where we don’t have enough housing.”That’s partly the reason why the top markets are going to be in the Midwest and Northeast, where prices tend to be lower and more affordable. For example, Realtor.com forecasts that in Toledo, Ohio…“existing-home sales will surge 14% and home prices will rise 8.3% this year. Rochester, N.Y., is also positioned for above-average home price gains of 10.4%.” On the other hand, more “trendy” neighborhoods will fall significantly, like Austin Texas, which is projected to decline 12.2% - St Louis at an 11.7% drop - Dallas at 8.4% - and Denver at 5.1%. Although, nationwide, there is SOME good news in the fact that: inventory IS beginning to rise. According to Zillow, “new listings are up 21% in February compared to last year, and they rose 20% from January.” This is also evidenced by the fact that “more homeowners plan to sell their home in the next 3 years,” possibly with anticipation of mortgage rates eventually coming back down. My ENTIRE Camera and Recording Equipment: amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EBFor business inquiries, you can reach me at grahamstephanbusiness@gmail.com*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice.
$0 DOWN MORTGAGES ARE BACK (Get Paid To Buy A Home) Graham Stephan 2024-03-13 | Set up a trust in minutes! Enjoy the benefits and privacy of putting your property in a trust today - Thanks to http://www.GetDynasty.com/Graham/ for sponsoring today's video! Let's talk about the latest proposal to tax credits to home buyers / sellers, and the new down payment assistance being offered | Add me on Instagram: GPStephanPROMOTIONAL OFFER: Get FREE FRACTIONAL SHARES when you sign up and make a deposit using my paid affiliate link for WeBull: https://a.webull.com/i/GrahamStephanGET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: http://grahamstephan.com/newsletterThe YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFF The White House Buyer and Seller Proposal: -The Mortgage Relief CreditCongress was called to pass a mortgage relief credit “that would provide middle-class first-time homebuyers with an annual tax credit of $5,000 a year for two years. This is the equivalent of reducing the mortgage rate by more than 1.5 percentage points for two years on the median home, and will help more than 3.5 million middle-class families purchase their first home over the next two years.”-Seller Relief CreditIn this case, sellers would receive a one-year tax credit of up to $10,000 to middle-class families who sell their starter home, defined as homes below the area median home price in the county, to another owner-occupant. This proposal is estimated to help nearly 3 million families.-Down Payment Assistance “The President continues to call on Congress to provide up to $25,000 in down payment assistance to first-generation homebuyers whose families haven’t benefited from the generational wealth building associated with homeownership. This proposal is estimated to help 400,000 families purchase their first home.”-Lower Refinancing CostsThey'd like to introduce a pilot program that would waive “The requirement for lender’s title insurance on certain refinances. This would save thousands of homeowners up to $1500, and an average of $750, and the lower upfront fees will unlock substantial savings for homeowners as mortgage rates continue to fall and more homeowners are able to refinance.” --Adding More SupplyUnder this proposal, they would “pass legislation to build and renovate more than 2 million homes, which would close the housing supply gap and lower housing costs for renters and homeowners." In addition to that, there will be a $20 billion dollar fund for housing expansion (this would help “support the construction of affordable multifamily rental units; incentivize local actions to remove unnecessary barriers to housing development; pilot innovative models to increase the production of affordable and workforce rental housing; and spur the construction of new starter homes for middle-class families.")-Drive Down Rent PricesThe first effort would ban corporate landlords who use algorithms to determine the highest rent they could generate, based on nearby properties that the algorithm also monitors. Landlords love it because it leaves emotion out of the mix - but others say that it aggregates competitor data for the greater profit of the owners - and, that’s very expensive for tenants. The second would eliminate “junk fees” throughout the rental process, including “convenience fees” to pay rent online, and fees charged to sort mail or collect trash. They argue that “these fees are often more than the actual cost of providing the service, or are added onto rents to cover services that renters assume are included—or that they don’t even want.” Let me know what you think of these initiatives, if you believe they'll pass, if they'll make a noticeable difference in the housing market, and if this might help. I'll be reading all the comments, so if you comment, I'll see it and do my best to respond (especially if you're actually reading this right now)My ENTIRE Camera and Recording Equipment: amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EBFor business inquiries, you can reach me at grahamstephanbusiness@gmail.com*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice.
When The Housing Crash Will Happen Graham Stephan 2024-03-06 | Here's an update of the 2024 Housing Market, what experts believe will happen in terms of price / values over the next few years, and what you can do to potentially save money - Enjoy! Add me on Instagram: GPStephan | PROMOTIONAL OFFER: Get Free Fractional Stocks when you sign up and make a deposit using my paid affiliate link for WeBull: https://a.webull.com/i/GrahamStephanGET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: http://grahamstephan.com/newsletterThe YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFF Why The 2024 Housing Market Is So Expensive: -A Shortage of Homes For Sale. Goldman Sachs reported that 99% of homeowners have an interest rate below what’s currently being offered on the market (85% of those rates are well below 5%.and 63% are between 2.5% to 4%.) To put that into perspective, if a homeowner currently has a 3% mortgage - prices would have to drop by 36% for that identical home to have the same monthly payment as today’s current rates of 7%. -Home Values Hit A Low About A Year Ago. Home growth almost slowed to a complete standstill at the end of 2022 over the fear of higher rates which is also, in part, why we saw such a dramatic increase over that following year. -Homes Are Being Built - but not fast enough.New constructions now make up one-third of the total market inventory, compared to just 13% in the years from 2000 to 2019. Warren Buffett Sells His Housing Market Stock: In August of 2023, Warren Buffett announced that he made a substantial investment in three Major US Homebuilders: DR Horton, Lennar, and NVR (Worth ~$800 Million). Since his purchase, DR Horton increased by 35%, Lennar is up by 30%, and NVR is up 20% - all in just 7 months. This means Warren Buffet was able to cash out about $250 million in profit from one investment in less than a year. In terms of why he cashed out, some people argue that homebuilder stocks have rallied WAY faster than expected, so it makes sense that he’s locking in his profits - but other people think that he’s now bearish on the housing market, and that’s a red flag for the future. Bear Case For Home Prices: AWealthOfCommonSenseBlog: awealthofcommonsense.com/2024/02/whats-the-bear-case-for-housing-pricesAs Ben Carlson points out - if there’s a recession, people are already locked-in to low-rate mortgages, so they’d be unlikely to sell. On top of that, 40% of homeowners don’t even have a mortgage, which means there probably wouldn’t be a bunch of panicked sellers listing their homes at the exact same time. I think one of the best analyses was posted back in 2023 by Mark Woodworth, who noted that - for housing to fall - there either must be a reduction in demand or a surplus of inventory. In that case, demand would need to fall by 50% for housing to be in-line with historic averages, although he says this is unlikely, given how “transaction volume hasn’t fallen below 2M since the early 1980s.”The 2024 and 2025 Housing Market Analysis: Morgan Stanley says their “Bull Case” is that housing prices rise another 5%, saying that "With so many housing statistics at levels we have rarely seen over the past several decades, it isn't hard to envision housing activity and home prices evolving differently from what we have laid out above.” Which, for anyone wondering, is that that they “expect the U.S. economy to avoid a recession next year and the housing market to pick up as incomes rise and mortgage rates continue to fall slightly.”However, in a more “realistic” forecast, they’re a bit more pessimistic with the belief that overall prices will fall 3% by the end of 2024. In their words, “We expect home prices to fall modestly as housing activity picks up versus 2023, with new home sales outpacing existing sales, but think the strong fundamentals of existing homeowners will prevent sizable corrections.” In the worst case SCENARIO, they think housing could fall by as much as 8% if everything goes absolutely wrong: “mortgage rates would need to remain elevated, the economy slips into a recession, and demand for housing continues to soften”My ENTIRE Camera and Recording Equipment: amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EBFor business inquiries, you can reach me at grahamstephanbusiness@gmail.com*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice.
How To Build Wealth In Your 20s (Realistically) Graham Stephan 2024-02-28 | These are the 7 investing habits that have changed my life, how to best implement them, and what you can do to potentially come out ahead 10-30 years from now. Enjoy! Add me on Instagram: GPStephan | PROMOTIONAL OFFER: Get FREE Fractional Shares when you sign up and make a deposit using my paid affiliate link for WeBull: https://a.webull.com/i/GrahamStephanGET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: http://grahamstephan.com/newsletterThe YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFF NUMBER ONE: INVESTING ASAP Following this is easily the most impactful in terms of how much wealth you can accumulate throughout your lifetime. When you’re young, one of the biggest advantages you have when it comes to investing is really simple - it’s TIME. Not only can you ride out any short-term fluctuations in the market, but you can take full advantage of what’s called "Compound Interest." Every year that goes by without investing is a year you won’t be seeing insane growth 30 or 40 years from now. NUMBER TWO: DON’T TIME THE MARKETThis is the simplest, most factual piece of advice you’ll ever hear when it comes to investing - but it also happens to be the most difficult for people to actually follow. On top that - studies show that the more trades you make, and the more you try to time the market, the lower your overall return becomes. Research has also shown that since 1926, a 20-year holding period of the stock market has never ONCE produced a negative result. So, without overloading you with facts and studies, all I’m going to say is this: The buy-and-hold investment strategy tends to not only be the safest, but also the most profitable for the majority of people. In fact, just buying in the market immediately - regardless of where it's priced - has out performed trying to time the market 71% of the time. NUMBER THREE: DON’T INVEST IN THINGS YOU DON’T UNDERSTANDI’d much rather just not invest at all, than put your money into something you don’t fully understand. Especially in this market, where literally everything is going up, it’s so simple to get disillusioned that investing is really easy, and get yourself accustomed to always making money. But that doesn’t always happen. You need to understand that investing is going to be cyclical, investments will lose for years in a row, and you need to understand and know that going in. FOURTH: DON’T INVEST MONEY YOU NEED IN THE SHORT TERMWhen you invest money, there’s always a chance that the value of that investment will go down in the near future. Investing should always be seen as a long-term strategy. You generally can’t predict where the markets will be a few months or a few years from now - but you CAN look back historically - and see that over a period of 10 or 20 years, your chances of coming out ahead profitable are pretty good. So, for that reason…investing any money that you’ll need within the short term is not a good idea, and could cost you a LOT if things end up getting bad. FIFTH: INVEST CONSISTENTLYInvesting is just a way of life. All you need to do this, is to automate your investing as much as you can. Just set up automatic withdrawals into a broad index fund without even thinking about it - out of sight, out of mind. You don’t need to be actively involved with it all the time, but just consciously remember it’s there - and that’s it. SIXTH: THINK INDEPENDENTLYThis is the hardest thing to do from everything I’ve mentioned, but it’s also the one that will make you the most money if you get good at it. And what I mean by this is that you must trust your own thoughts and research, and not be swayed by someone else who says otherwise, or disagrees with you. My ENTIRE Camera and Recording Equipment: amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EBFor business inquiries, you can reach me at grahamstephanbusiness@gmail.com*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice.
How Much Income You Need To Save (By EVERY Age) Graham Stephan 2024-02-21 | Here's EXACTLY how much you need saved by every age, the average incomes from your 20's, 30's, 40's, and 50's - and how you can retire with as little as $416 per month. Enjoy! Add me on Instagram: GPStephan | PROMOTIONAL OFFER: Get FREE Fractional Shares when you sign up and make a deposit using my paid affiliate link for WeBull: https://a.webull.com/i/GrahamStephanGET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: http://grahamstephan.com/newsletterThe YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFF AGE 20: Average Net Worth: -$31,5711. GET A CREDIT CARDThe point is to begin building up your credit score as soon as possible, since 50% of your score is made up from your on-time payment history and how LONG you’ve had credit for. 2. OPEN A ROTH IRAThis will allow you to invest $7000 per year and grow your money COMPLETELY TAX-FREE by the age of 59 - meaning, by the time you’re older, everything is pure profit. 3. SAVE 20% OF YOUR INCOME4. INVEST IN THE MARKETSAGE 30: Average Net Worth: $42,3391. GET A CREDIT SCORE OF AT LEAST 7502. BE BAD-DEBT FREE BY 30 YEARS OLDThis means you’ve paid off any loans or debt that’s above a 5%-6% interest rate, you don’t have any credit card debt or personal loans outstanding, and besides the possibility of a low-interest rate mortgage or student loan…you don’t have anything weighing you down. 3. HAVE A 3-6 MONTH SAFETY FUND4. AIM FOR 1X YOUR SALARY SAVEDAGE 40: Median Net Worth: $90,000Average Net Worth: $319,0001. MAX OUT RETIREMENT ACCOUNTS ANNUALLY2. MAXIMIZE YOUR EARNINGS3. HAVE A BUDGET - NO MATTER WAHT4. KNOW HOW MUCH YOU NEED TO RETIREThe rule of thumb is that, for a 30-year retirement, you’ll need to have anywhere between 25 to 30x your annual spending invested in order for that money to last you without running out. AGE 50: Median Net Worth: $290,000Average Net Worth: $1,300,0001. HAVE 7-8X YOUR SALARY SAVED, OR 10-12X YOUR EXPENSES2. BE CLOSE TO PAYING OFF YOUR MORTGAGE3. HAVE A CLEAR PLAN FOR RETIREMENTAGE 60: Median Net Worth: $490,000Average Net Worth: $1,600,000Top 1% Net Worth: $14,338,0001. AIM FOR 10-12X YOUR SALARY SAVED UP2. PAY OFF YOUR PRIMARY RESIDENCE4. BEGIN WITHDRAWING FROM RETIREMENT ACCOUNTSMy ENTIRE Camera and Recording Equipment: amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EBFor business inquiries, you can reach me at grahamstephanbusiness@gmail.com*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice.
Gen-Z Says $74,000 Per Year Is No Longer Middle Class Graham Stephan 2024-02-14 | Get free life insurance quotes from America’s top insurers and start saving today with Policygenius: https://Policygenius.com/graham | Thanks to Policygenius for sponsoring this video! Let's talk about the demise of the middle class and how much you need to earn in the United States - Add me on Instagram: GPStephanPROMOTIONAL OFFER: Get Up To FREE FRACTIONAL SHARES when you sign up and make a deposit using my paid affiliate link for WeBull: https://a.webull.com/i/GrahamStephanGET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: http://grahamstephan.com/newsletterThe YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFF Original TikTok Video From Freddie Smith:tiktok.com/@fmsmith319/video/7316964425703918894?lang=en-A $74,000 income is reduced to $4300 per month after taxes, 401k contributions, and health insurance. -$500 Per Month is going towards student loans. - $1400 to SPLIT a 2-bedroom apartment in a medium-sized city like Orlando, Florida - with utilities. - $600 per month on food and groceries.-$400 for a car payment-$200 for insurance -$150 for gas-$100 for a cell phone-$300 for fun expensesThat leaves you with just $650 left over. Is this middle class?My Thoughts: First: Very few people can qualify to buy a home, at 25 years old, with a $74,000 salary. Even if you’re disciplined and live frugally, it’s going to take you 3-10 years to pay off debts and / or save up an amount that would even be considered as a down payment, depending on your area. Second: This doesn’t take into account the combined incomes of couples. Just consider that 2021 Census data showed that “46% of people buying a home were married couples, compared to just 22 percent of single men and 30 percent of single women. That’s because lenders COMBINE the income of both people to determine how much money they’ll lend.Third: It also REALLY depends on where you live. For example, the median income in Newton Massachusetts is $122,000…while the median income in Flint, Michigan, is $24,900. This means that there will be a LOT of variance in terms of average income and values, and what “middle class” means for your location. Fourth: Even a savings rate of $500 per month could lead to a SUBSTANTIAL amount of money later in life - especially if you start by age 25. The way I see it - housing is INSANELY EXPENSIVE. To make matters worse, according to the Bureau of Labor Statistics, “you’d have to earn about $129,000 today to have the same purchasing power that a salary of $100,000 had just a decade ago.”However, I tend to believe that the person earning $74,000 per year at 25 years old is going to have the upward mobility to eventually make $110,000 per year by the age of 33 - at which point, qualifying for the median house is going to be much more achievable - ESPECIALLY if they keep their expenses the exact same, during a time where their income is increasing. No, it’s not going to happen as as soon as you land a job - and, life IS expensive - especially when you’re just starting out - but, I DO believe it’s entirely possible, and you will be able to buy a home after getting established in your career - if you budget for it . My ENTIRE Camera and Recording Equipment: amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EBFor business inquiries, you can reach me at grahamstephanbusiness@gmail.com*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice.
Bank Failures Are Coming (Do This ASAP) Graham Stephan 2024-02-07 | Let's discuss the Federal Reserve comments on the 2024 Banking Crisis - Thanks for watching! Click the link below to get DELTA Pro Ultra and related bundles. Now enjoy 6 months of interest-free payments & 5-year installment plan offer. The Smart Home Panel 2 Installation Consulting Service ensures a hassle-free setup by tracking orders, managing fittings, and answering technical queries for TX/CA homeowners. EcoFlow Website: bit.ly/3HREAABJoin EcoFlow Community for more information: bit.ly/3tdGpEhPROMOTIONAL OFFER: Get FREE FRACTIONAL SHARES when you sign up and make a deposit using my paid affiliate link for WeBull: https://a.webull.com/i/GrahamStephanGET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: http://grahamstephan.com/newsletterThe YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFF THE 2024 BANKING CRISIS: Commercial Real Estate values are plummeting, with Morgan Stanley estimating that the “entire market could decline 40% - which is the same magnitude that we saw throughout the 2008 Financial Crisis."As CNN explains, “US banks hold about $2.7 TRILLION dollars in Commercial Real Estate Loans…and about 80% of that is held by smaller, regional banks…the ones that the US government hasn’t classified as “too big to fail.” On top of that, "More than $2.2 Trillion will come due between now and the end of 2027, so regional banks could have problems collecting on those loans.”All of this was driven by New York Community Bancorp which "reported a surprise loan loss of $552 million dollars, driven partly by expected losses on commercial real estate loans.” In this case, “the bank identified a pair of loans in particular — one related to an office complex and another for a co-op residential building — that were responsible for as much as $185 million in losses.” Germany’s biggest lender, Deutsche Bank, also said that it allocated $133 million during “the last quarter to absorb potential defaults on its US commercial real estate loans. That’s more than quadruple the amount it set aside during the same three-month period in 2022.”In response to this, Jerome Powell said that “There’s some smaller regional banks that have concentrated exposures in these areas that are challenged and we’re working with them. It feels like a problem we’ll be working on for years. It’s a sizable problem.”According to the National Bureau of Economic Research, about 14% of “all commercial real estate loans and 44% of loans on office buildings appear to be in a negative equity position, meaning the debt is greater than the property value.” As they say, “That increases the risk that borrowers won’t repay and will default on their loans” - which eventually falls back on banks that may or may not have the ability to survive the loss. Thankfully - Jerome Powell said that “there will be losses for the owners and for the lenders, but it should be manageable." He also went on to say "The economy's strong. The labor market's strong. Inflation's coming down. We don't have a perfect crystal ball about the future, and things could happen. But I do think the economy is in a good place, and there's every reason to think it can get better."In terms of New York Community bank, “analysts at Bank of America cited “feedback from management” that New York Community Bancorp was not experiencing any unusual deposit activity.” However, their share price has continued declining - so, investors aren’t exactly optimistic about the short-term future, despite what analysts say. Of course, full disclosure: anything can happen, I have no idea what I’m talking about, don’t listen to a random guy on YouTube, always consult a professional for your own specific situation, and all of this is purely my opinion.My ENTIRE Camera and Recording Equipment: amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EBFor business inquiries, you can reach me at grahamstephanbusiness@gmail.com*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice.
How To Get Hired By Elon Musk With NO College Degree Graham Stephan 2024-02-06 | How To Get Hired By Elon Musk With NO College Degree | Michael ReevesNEW BANKROLL COFFEE NOW FOR SALE: http://www.bankrollcoffee.comGET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: http://grahamstephan.com/newsletterThe YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB
URGENT: The FED Cancels Rate Cut, Market Plummets, Major Changes Ahead Graham Stephan 2024-01-31 | Learn more about Dropbox Business and Business Plus: dropbox.com/grahamstephan | Thanks Dropbox for sponsoring this video! Let's discuss the latest Federal Reserve Rate Hike, what this means for the stock / housing market, and how future rates are about to be affected - Enjoy! Add me on Instagram: GPStephanGET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: http://grahamstephan.com/newsletterThe YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFF Inflation -When you calculate the cost of ALL items, inflation increased from 3.1%-3.4% - driven higher by one single category: Housing. Since this is typically driven by one-year lease rates, you’ll see that inflation has actually been BELOW 2% for almost an entire year when "Shelter" is excluded.Soft Landing - The more time goes on, the closer we’re getting to the illusive “soft landing,” where inflation gracefully comes down without a recession or rising unemployment. However, according to a report, "A soft landing means the top 1% gets record stock prices while you get stuck with the most unaffordable housing market ever, along with permanent price increases & record credit card debt.”The 2024 Stock Market - Check Out AWealthOfCommonSense Blog: awealthofcommonsense.com/2024/01/new-all-time-highs-after-a-bear-marketIn all but one case in 2007, all-time highs led to even more all-time highs one year later - and, besides the 1960s and 1970s era of stagflation - 3, 5, and 10 year total returns were also positive. As Ben points out, “The average one, three, five and ten year total returns following new highs were +16%, +27%, +59% and +206%, respectively.” It's also worth noting that some data disagrees with this, pointing out that - since 1990, every time the Federal Reserve lowers rates, the market drops. That's because The Federal Reserve hasn’t dropped rates unless they absolutely need to - so market drops have often coincided with rate cuts. The 2024 Housing Market - According to a recent report from Zillow, buyers are finally seeing some relief with lower mortgage rates and Sellers’s rate locks are appearing to wear off, with signs that they’re coming back to the market. Case in point: “A recent Zillow survey of homeowners found that 21% are considering selling their home within the next three years, up from 15% a year ago.” On top of that, it’s also reported that values are actually beginning to fall. For instance, “home values only climbed month-over-month in just three of the 50 largest metro areas in December.” Although, the downside is that - for potential homebuyers, “listings are still going under contract in about a month – which is 50% faster than pre-pandemic norms.” As far as prices are concerned…they say that “the demand for housing will remain high, based on a large share of Millennial first-time homebuyers looking to buy homes, which will push home prices up. We forecast home prices to increase 2.8% in 2024 and 2.0% in 2025 nationally.”It’s also anticipated that 2024 is going to be a “pivot year,” where we're going to see homebuilders meet that pent-up demand for single-family and multifamily housing,” adding some much-needed supply back onto the market. The January 2024 Federal Reserve Rate Cut - The FED decided to pause rates for the foreseeable future - although, in terms of when the highly anticipated "rate cut" is going to happen, they’re leaving it “To Be Determined." Jerome Powell recently “reflected a growing sense that inflation is under control and growing concern about the risks that "overly restrictive" monetary policy may pose to the economy.”Reuters also pointed out that they no longer included the “phrase ‘unacceptably high’ to describe inflation, while laying out reasons why they felt inflation would continue to fall.” All but “TWO Fed officials see the benchmark policy rate lower by the end of 2024 than it is now, with a majority of policymakers seeing it trimmed by at least three-quarters of a percentage point.” My ENTIRE Camera and Recording Equipment: amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EBFor business inquiries, you can reach me at grahamstephanbusiness@gmail.com*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice.
The Financial Crisis NO ONE Is Talking About Graham Stephan 2024-01-24 | Get 50% off your first order of CookUnity meals — go to cookunity.com/graham50 and use my code GRAHAM50 at checkout to try them out for yourself! Thanks to CookUnity for sponsoring this video! Let's talk about the Financial Crisis No One Is Fixing - Enjoy! Add me on Instagram: GPStephanPROMOTIONAL OFFER: Get FREE Fractional Stocks when you sign up and make a deposit using my paid affiliate link for WeBull: https://a.webull.com/i/GrahamStephanGET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: http://grahamstephan.com/newsletterThe YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFF THE FINANCIAL CRISIS NO ONE IS FIXING: Watch the original video from DW News: youtu.be/JGfdo-mlU7k?si=uwZNo1QmeosfEkBLAll of this starts with Retirement. On the surface, there are 3 major issues that need to be addressed: 1. Poverty.According to Census Bureau data, it's reported that “43% of 55-to-64-year-olds had no retirement savings at all and 30% of people over 65 are economically insecure, earning less than $27,000 for a single person.” On top of that, “the median retirement account for that age group is only $200,000 — meaning half of 65- to 74-year-olds have even less saved up” - and that’s not nearly enough. 2. A Savings Gap. It was recently found that HALF of Americans have absolutely NOTHING saved for retirement, whatsoever and, for those between the ages of 50-54, only a THIRD have more than $100,000. 3. The Perfect Storm. The fact is: People are living longer, health insurance costs are rising, there’s a lack of access to retirement plans, millennials are having fewer children - and, as a result - Retirees are forced to continue working later in life because what they’ve saved is insufficient to live on. SOCIAL SECURITY RUNNING OUT: The Possible SolutionsOne: Social Security Benefits will be reduced by the time all of us retire.Two: They Increase The Retirement Age So That They Can Pay Out Less MoneyOr, Three: The Government Increases Taxes To Pay For Higher Expenses. The Social Security Board of Trustees says that we’d either need “an immediate reduction in benefits of about 13 percent, or an immediate increase in the combined payroll tax rate to 14.4 percent, or some combination of these changes, to allow full payment of the scheduled benefits for the next 75 years.” THE BRIGHT SIDE FOR RETIREES: Some outlets call Baby Boomers “the luckiest and wealthiest generation we have ever seen,” now sitting on roughly $78 TRILLION dollars. Since 1983, stocks have increased almost 8000%…home prices have appreciated 500%, and a 60/40 portfolio of stocks and bonds would have returned more than 14.5% per year. We’ve also seen a history of incorrect calls for a “retirement crisis” dating all the way back to the 1960s when defined pension plans were cut from large corporations. After that, the 401k was introduced - but, once again - critics said this was an issue because the account lacked a guarantee. Then again, in the early 1990’s, it was published that “retirement as current retirees know it may be impossible for all but the most affluent."From there, in 2008, ”experts were telling boomers they would have no choice but to delay retirement by five years, at least” - but since then, we’ve seen the strongest bull market - in history, with the Greatest Wealth Transfer - ever - just around the corner. All of THIS suggests that what we’re currently seeing is nothing out of the ordinary, it’s nothing to worry about, and it’s all overblown. Although they do admit that a portion of the population won't be okay and the Retirement crisis is very real - but, that’s nothing new. Nearly a quarter of every generation has been without the means to retire. So these are my thoughts on how to make sure you don't end up in this category.My ENTIRE Camera and Recording Equipment: amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EBFor business inquiries, you can reach me at grahamstephanbusiness@gmail.com*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice.
How Hiring A Chauffeur Made Ryan Serhant BILLIONS Graham Stephan 2024-01-22 | How Hiring A Chauffeur Made Ryan Serhant BILLIONS OF DOLLARSNEW BANKROLL COFFEE NOW FOR SALE: http://www.bankrollcoffee.comGET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: http://grahamstephan.com/newsletterThe YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB
How To Pay NO TAXES In 2024 (What Nobody Tells You) Graham Stephan 2024-01-17 | Try Rocket Money For Free rocketmoney.com/graham - Enjoy! Here are some strategies you could use to owe less tax in 2024 - Enjoy! (Note: Please check with a professional - every circumstance is different - your situation may change - results will vary) Add me on Instagram: GPStephanPROMOTIONAL OFFER: Get FREE STOCKS when you sign up and make a deposit using my paid affiliate link for WeBull: https://a.webull.com/i/GrahamStephanGET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: http://grahamstephan.com/newsletterThe YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EBWAYS TO REDUCE TAXABLE INCOME IN 2024:1. Traditional 401k Contribution:This is a tax-advantaged retirement account that allows you to contribute up to $23,000 per year of PRE-TAX money - meaning every $1 you contribute will reduce your taxable income by that very same $1. This way, you show less income, you owe less in tax - and you have more money left over to invest. 2. HSA / Health Savings AccountThis account is specifically used to pay for any out-of-pocket medical expenses or charges that you incur throughout your lifetime. You can also invest within the account and potentially grow your tax savings even further - as long as you have a high deductible health plan (you must qualify for this). Contributions are tax-free, and withdrawals are tax-free on medical expenses.3. Long Term Capital Gains Tax RateThese tax rates are significantly lower than earned income - In fact, the federal long-term capital gains tax is only 15% if you make between $47,025-$518,000 per year as a single filer…that could lead to MASSIVE SAVINGS for anyone who makes more than $50,000. Some income brackets even pay $0 in long term capital gains!4. Running income through an S-Corporation or LLCThis is simply a legal entity that you create to run your business through…in essence, all of your “Self-Employed” business income goes into the S-Corp, expenses come out, and then you personally take what’s left over as distribution. Distributions made by an S Corporation are not subject to Social Security or Medicare taxes, which can save you 15.3% on your money. 5. The SALT Cap WorkaroundIn 2017, the Tax Cuts And Jobs Act limited your deductions on State And Local Taxes. Some states have issued guidance on a “SALT Cap Workaround” to be able to deduct your state taxes in their entirety - saving you a TON of money. 6. Real Estate / Homeowner Tax Benefits: -The Capital Gains Exclusion. This allows you to sell your primary residence and pay no tax on the first $250,000 worth of profit if you’re single, or $500,000 worth of profit if you’re married, as long as you’ve lived in that home for at least 2 out of the last 5 years. -The 1031 ExchangeIf you own a rental property, you can indefinitely defer paying taxes when you sell a property, as long as you “exchange” it for another one within a certain time period. -Depreciation. According to the IRS, your property has a lifespan of 27.5 years - this means that as the home gets older, it loses value - on paper - that can be deducted from your overall profit. There’s also something called a “cost-segregation analysis” that allows you to take a substantial amount of depreciation upfront. -Cash Out Refinance Unfortunately, this one doesn’t make too much sense with mortgage rates as high as they are - but, in the eyes of the IRS, loans you take against assets aren’t “income,” because you technically didn’t sell - and because it’s not “technically income,” you don’t owe any tax. -Real Estate ProfessionalIn this case, you’d be able to use all of your real estate paper losses to offset your W2 / 1099 income, allowing you to potentially make a lot of money and owe nothing to the IRS. being a “real estate professional” is something that you’d have to be able to back up to the IRS in the event of an audit, and that includes “Spending more time doing real estate activities than all other business activities combined, and spending at least 750 hours per year in real estate.” For business inquiries, you can reach me at grahamstephanbusiness@gmail.com*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice.
How To Get Rich In The 2024 Market Reversal Graham Stephan 2024-01-03 | Right now, Hero Bread is offering our audience 10% off their first order! Just go to http://hero.co/GRAHAM and use our code GRAHAM - Enjoy! Here is my investing plan for 2024, how the stock and housing market is predicted to perform, and what you can do about this to have the best chance of coming out profitable - Enjoy! Add me on Instagram: GPStephanPROMOTIONAL OFFER: Get FREE STOCKS when you sign up and make a deposit using my paid affiliate link for WeBull: https://a.webull.com/i/GrahamStephanGET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: http://grahamstephan.com/newsletterThe YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFF THE 2024 ECONOMY:STOCKS - Studies show that the Average American is absolutely horrible at investing. In fact, the typical return that most people achieve is just barely higher than the rate of inflation. The reason for this is simple: “Investors consistently bought assets that were overvalued and sold assets that were undervalued.”For context, it was found that - in the first year, you have a 73% chance of being profitable, which increases to 80% in the second year, 90% in the fifth year, and, 97% in the 10th year - basically implying that the longer you stay invested throughout a diversified index, the more likely you are to come out ahead.THE HOUSING MARKET - It's said that “More inventory will be generally offset by more buyers in the market. As a result, it is expected that, overall, the median home price in the U.S. will grow modestly, rising to $394,200 for 2024, a 1.5% increase over 2023.” On the other hand, Redfin believes that 2024 will see a median price drop of 1%, Zillow thinks we’ll see a drop of 0.2%, Morgan Stanley anticipates a price drop of 3%, and JP Morgan believes that affordability could be resolved by the time 2027 comes around. For the rest of the year, my entire 2024 investing blueprint is really simple: First: Go through my expenses and reduce any unnecessary spending. Second: Invest consistently on a regular basis. Third: Buy and hold for the next 20 yearsFourth: Continue buying Index Funds - 80% United States, 20% InternationalFifth: Save cash on the sidelines for a potential real estate opportunity And Sixth: Allocate 5% to speculative investments. Separately, new revisions also show that American’s “Excess Savings” is way higher than expected, leading to the notion that there’s still plenty of dry powder on the sidelines, ready to buy in - IF the market were to drop. Hope this helps! Are you reading this? If so, feel free to comment "I'm reading this" and I'll do my best to reply! My ENTIRE Camera and Recording Equipment: amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EBFor business inquiries, you can reach me at grahamstephanbusiness@gmail.com*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice.
The FASTEST Way To Get A Pay Raise! Graham Stephan 2024-01-01 | Here is EXACTLY how you can quickly make more money - Enjoy!NEW BANKROLL COFFEE NOW FOR SALE: http://www.bankrollcoffee.comGET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: http://grahamstephan.com/newsletterThe YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB
How The Housing Crash Will Happen Graham Stephan 2023-12-27 | Right now, Hero Bread is offering our audience 10% off their first order! Just go to http://hero.co/GRAHAM and use our code GRAHAM - Enjoy! Let's talk about the 2024 Housing Market, what analysts predict, and what this means for you - Enjoy! Add me on Instagram: GPStephanPROMOTIONAL OFFER: Get FREE STOCKS when you sign up and make a deposit using my paid affiliate link for WeBull: https://a.webull.com/i/GrahamStephanGET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: http://grahamstephan.com/newsletterThe YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFF THE 2024 HOUSING MARKET: Home prices have just recently hit yet another all-time high in November after rising for 10 straight months - more and more Americans are beginning to rush back into the housing market with record down payments - and nearly HALF of those surveyed on Twitter said that they were likely to buy a house in the next 2 years. WHY THE REAL ESTATE MARKET MIGHT DECLINE IN 2024:1. LOW AFFORDABILITYCNN reported that “38.6% of the median household income is required to make the monthly payment on the average home purchase” - and, typically a home is considered “affordable” if the monthly cost is less than 30% of the area’s median income. This, unfortunately, has resulted in 99% of the United States being unaffordable for the average American making $71,000 per year. 2. HIGHER UNEMPLOYMENTSince 1955 - "the U.S. economy has always experienced a recession within two years from every quarter in which inflation was above 4% and unemployment was below 5%, as they are today.”3. CHANCE OF A RECESSIONAccording to Realtor.com, “A recession in 2024 would likely weaken housing demand beyond its current low level, and if it were significant enough, it could stress existing homeowner finances enough to prompt some to sell, reversing the supply-demand balance that we’ve seen in the last few years.” 4. EVERYONE THINKS IT'S A BAD TIME TO BUY A HOMEOnly 16% of people believe that now is a good time to purchase a home, which is a record low.WHY THE REAL ESTATE MARKET MIGHT CONTINUE GOING HIGHER: 1. LOWER INTEREST RATESJerome Powell indicated that we’re likely going to see 3 rate cuts in 2023 of 25 basis points each, which would take the federal funds rate down to 4.5%, and likely leave us with mortgage rates leveling off around the 5.5-6.5% range. 2. MORE SELLERS IN 2024Recent research suggests that the “30-year fixed-rate mortgage falling to 5.5% is the "magic mortgage rate" that would be enough to push more home buyers to purchase homes.”3. THE US IS NOT IN A RECESSIONAccording to Jerome Powell, the economy is gearing up for a Soft Landing in 2024 because inflation is largely under control, GDP is strong, and consumer spending is robust.4. SEASONALITY COULD BE THE ONLY DROP IN PRICESEven though most seasonal pricing tends to be a difference of 8-12% off the sales price, some locations, like the Northeast and Great Lakes, lead the nation with a “22.1% variation between summer and winter sales,” which means right now could be a good time to negotiate. 5. HOUSING, LONG TERM, TRENDED HIGHER (SO FAR)Over the last 100 years, housing prices have steadily increased as new construction constantly lags the growing population. HOW TO PREPARE: 1. GET A 30 YEAR MORTGAGEA 30-Year mortgage gives you the flexibility to still make a lower minimum payment and save the extra money if the circumstances require it. 2. GET A FIXED INTEREST RATEThis prevents your payments from suddenly being increased 5-7 years in the future if interest rates are somehow higher than they are today. 3. REFINANCE IF RATES GO DOWNThis allows you to save more money on your monthly payments. 4. AVOID SELLING IFYOU DON’T NEED TOIdeally, by not selling, you’ll have the time to ride out any fluctuations in price long enough for them to recover and bring you back to profitability. 5. ALWAYS KEEP CASH ON THE SIDELINES - JUST IN CASEThe reality is, anything can come up, at any point, that will end up costing you money.6. ONLY BUY A HOME YOU CAN COMFORTABLY AFFORDMy ENTIRE Camera and Recording Equipment: amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EBFor business inquiries, you can reach me at grahamstephanbusiness@gmail.com*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice.
DO NOT SHUTDOWN OLD CREDIT CARDS Graham Stephan 2023-12-26 | Here is my response to @TheCommentsSection Brett Cooper on getting a perfect credit score - enjoy! Add me on Snapchat / Instagram: GPStephanNEW BANKROLL COFFEE NOW FOR SALE: http://www.bankrollcoffee.comGET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: http://grahamstephan.com/newsletterThe YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB
