My Problem Spending Money

Here is exactly why I save so much money, along with my beliefs and philosophies on spending, personal finance and investing long term - Enjoy! Add me on Instagram: GPStephan
LIMITED TIME: Get 3 FREE STOCKS ON WEBULL when you deposit $100 (Valued up to $1600):
The NLcameras Creator Academy:
Learn EXACTLY how to get your first 1000 subscribers on NLcameras, rank videos on the front page of searches, grow your following, and turn that into another income source: $100 OFF WITH CODE 100OFF
My ENTIRE Camera and Recording Equipment:
Here’s what I’ve realized, money is, at it’s core, really good at giving you OPTIONS. For me, it was the option of NOT needing to take work that I didn’t thoroughly like. I had the OPTION to pursue the endeavors I found the mot fulfilling and meaningful. I had the option to SAY NO to things that didn’t align with my priorities, and that - in turn - meant I could focus on what I was most excited about, and when that happened - oddly enough, I ended up making more money as a byproduct of thoroughly enjoying what I do, because that gave me the motivation to continue pushing even further.
That would NEVER have been possible had I built a life of high overhead, excessive spending, and luxury that I never needed in the first place, because that’s NOT the most effective way for money to be used - and by living really frugally and saving nearly everything I made, this type of choice became possible. From my experience, the REAL enjoyment doesn’t come from buying things…it just comes from having the OPTION to buy them, if you wanted to.
And no, this isn’t to say that I don’t spend money on anything…because that’s absolutely not the case….I now treat myself to sushi twice a month. BUT, that’s why I do my best to ONLY spend the money I make from my investments, and if there’s something I want one day…I’ll make sure I have enough invested to completely pay for it, otherwise…I’ll just continue saving.
That’s how, over time - I’ve gradually started spending a little more money and increasing my lifestyle, and then I can continue my current lifestyle of re-investing everything else, so that the investments can support whatever OTHER endeavors I choose for the future.
Because I totally believe it’s ok to spend more money, to do nicer things, to accumulate more “stuff,” and to give in to a moderate amount of lifestyle inflation…IF it’s something that’s sustainable. And for me, stepping it up a little bit each year is totally fine as my investments grow in value and throw off a little more income. As long as I keep my spending at THAT level, I’m ok with it.
By structuring my spending this way, I know my current level of spending is sustainable - and knowing that, it gives me the freedom to continue working on whatever I enjoy the most, and having the OPTION to pursue whatever I’d like - even if it isn’t the most financially lucrative.
Now, in terms of HOW I SPEND MY money…lately, my mindset has begun to shift;
For the first time in my entire life, I’ve begun to prioritize “buying back my time” - in the sense that, now, I can hire an editor on my second channel so that it frees up more time during the day to focus on here. I was able to happy to pay him as a driver so I can edit my main channel videos on the go. I’ve begun to realize that there’s only so much I can do on my own - and by outsourcing work, I have my time back to continue growing and expanding in ways that just weren’t possible before. To me, buying “back my time” is more important than any car, house, or “thing” that I could buy - because time is something that really is priceless.
So that’s why I save pretty much everything I make, while only spending what my investments make - because that gives me the most choice as to what I do day to day. And today, my choice is to ask you for a second time to smash that like button :)
For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at
*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.


  1. Graham Stephan

    Graham Stephan

    18 dagen geleden

    Welp...I made an editing mistake and the end of my outtro didn't make it, so I'll put it here: WeBull IS ENDING Their 3 Free Stock promotion in a day!! So if you're watching this and it's earlier than Thursday, this is your last chance to get 3 free stocks when you deposit $100 on their free stock trading app - those stocks could be worth all the way up to $1600! :)

    • Robby Dey

      Robby Dey

      2 dagen geleden

      kam m Webull is a subsidiary of a Chinese company, meaning that by Chinese law, their parent must have Communist Officials working inside the company and comply with any and all data requests the CCP might command, irrespective of whether the company thinks that it should. The flip side is that Webull might be getting subsidies from the Chinese Communist Party (CCP) to expand so that the Party can use it to do nefarious things with the company data. I am not saying it is happening, but if the CCP is willing to violate the UN Convention on Genocide in regards to its Uighur Muslim Population, and surveille its own people and Western University Campuses with its so-called Confucius Institutes (which have become so embroiled in controversy regarding academic freedom that they have been forced to close), then I would not trust them to not do it, regardless of whether they want to or not.



      14 dagen geleden

      Graham can I paint something for you? My IG is Elite_Minds , check it out when you have some time. Thank You

    • Grant Welch

      Grant Welch

      14 dagen geleden

      @kam m yes lmao

    • Amber Bennett

      Amber Bennett

      15 dagen geleden

      Is there going to be a Black Friday sale for the NLcameras course?

    • Igotdemtatts Murph

      Igotdemtatts Murph

      15 dagen geleden

      "What's up you grahams its guys here."?

  2. I M A QYN

    I M A QYN

    2 dagen geleden

    Yes. Some people are such snobs. Make a minimum wage, but will spend heir last money on a car, car insurance, parking space and ask friends for food money because they cannot afford it. Just use a bus!!!! Buses are much safer anyway.

  3. Web Tristan

    Web Tristan

    3 dagen geleden

    True about the real flex being in knowing you can afford something but don't buy it. I just changed my car after a very long while but it actually was to celebrate making 5-figure weekly via my cryptocurrency investments with the reputable Mrs Joyce, in the month of august.

    • Christian Fahretin

      Christian Fahretin

      Dag geleden

      Can anybody share her contacts here please?

    • Christian Fahretin

      Christian Fahretin

      Dag geleden

      How do I reach her?

    • Rosabel Monroe

      Rosabel Monroe

      2 dagen geleden

      Mrs Joyce Davies, CEO Fortune Academy, was on luxury magazine recently. She was tagged "badass woman in business". She is good, I read.

    • James Strong

      James Strong

      2 dagen geleden

      Wow. I only just met her last two weeks, I have being paid twice though. It is good, I will just continue for as long as it lasts, already recovered my profit.

    • Shanette Dmtri

      Shanette Dmtri

      2 dagen geleden

      Mrs Joyce and fortune academy once hosted a program here in Atlanta that helped families get debt free via cryptocurrency investments. It was lifechanging.

  4. ACE7O2


    3 dagen geleden

    When you make this much money it probably becomes a hobby to see your bank account grow and not spending money just becomes a part of it and brings you satisfaction the way spending money brings satisfaction to the regular folk

    • ACE7O2


      3 dagen geleden

      4:43 exactly what I meant

  5. Billy Butski

    Billy Butski

    5 dagen geleden

    Great advice! That is exactly what I want to work towards in my life. Thank you for explaining it in such a great way.

  6. Amine Dhaouadi

    Amine Dhaouadi

    5 dagen geleden

    Welcome to extreme cheapskate

  7. paul Donald

    paul Donald

    5 dagen geleden

    I want to wake up one morning and find out that my account is $1,578,889.00. I know its possible.

    • Emily Franklin

      Emily Franklin

      5 dagen geleden

      I made my first million through Maria Leda Goebel. She is accredited and licensed. She lives here in the USA and you can reach her through the web

    • Elena Gomez

      Elena Gomez

      5 dagen geleden

      This is more than possible with expert professional. Get yourself one!

    • Emily Franklin

      Emily Franklin

      5 dagen geleden

      plan your investments with good portfolio manager and I can assure you that in few months your account will be more than you dreamt.

    • Robert William

      Robert William

      5 dagen geleden

      This is really possible depending on your investments curve. Just invest wisely.

  8. Sabrina Tatalias

    Sabrina Tatalias

    5 dagen geleden

    Woo love the FIRE movement. I have the exact same upbringing/realization in high school that shaped how I save and how little I spend.

  9. H Balck

    H Balck

    5 dagen geleden

    If you go to WeBull I predict your free stocks will be in AGI and SWN.

  10. Zio Oren

    Zio Oren

    6 dagen geleden

    Grant on his deathbed: “I’ve never spent $4 on a coffee at Starbucks in my life”

  11. Hillary V. K.

    Hillary V. K.

    7 dagen geleden

    Love your videos graham! You remind me so much of my mom.

  12. Matt W

    Matt W

    7 dagen geleden

    If money is a tool...and Gram gives me info about options, does that make Gram a tool?

  13. Andrew Martinez

    Andrew Martinez

    7 dagen geleden

    Hey Graham, what’s your rule of thumb for how much to set aside for maintenance and repairs on investment properties?

  14. Clara Tan

    Clara Tan

    9 dagen geleden

    Hi Graham, love watching your videos. Thanks for being such an inspiration. I would like to check is webull available in Singapore cuz I cant seem to open an account.

  15. Elchingon Dechingones

    Elchingon Dechingones

    9 dagen geleden

    Excuse for being cheapskate lol

  16. Phil H

    Phil H

    9 dagen geleden

    Why do some people call other people tools

  17. Don Sken

    Don Sken

    9 dagen geleden

    Spend with me for the greatest of satisfaction. 😌

  18. smilez z

    smilez z

    9 dagen geleden

    True name master card review floor gang aahhouu!

  19. herman_li


    10 dagen geleden

    The first thing I thought of when I read the title was Producer Michael's closet video, lol.

  20. Timoteo García

    Timoteo García

    10 dagen geleden

    I'm very frugal when alone, but I really enjoy taking my girlfriend out for an expensive dinner or buying her a gift from time to time.

  21. Richard Yam

    Richard Yam

    10 dagen geleden

    Hey Gram, i just bought your NLcameras academy . Super excited and looking forward to making this NLcameras career work for me on this channel.

  22. Abiy BattleSpell

    Abiy BattleSpell

    11 dagen geleden

    i say make enough to live well but dont be such a penny pinher where u can spend a hr or more just to save a few dollars and also make sure ur saving enough for emergencies and to have enough for if ur unable to work

  23. eyesalooking


    11 dagen geleden

    Don't worry about your spending problem. The government will help you out by confiscating some of it to give to those who are lazy looking for free stuff.

  24. Stefan Egger

    Stefan Egger

    11 dagen geleden

    so stupid video WTF is disgusting

  25. gaeb1811


    11 dagen geleden

    In my opinion there is nothing wrong in spending money on instant gratification type of stuff, just explicitly limit it to no more than X% of your "free" monthly income (your income minus costs of basic needs). The rest 100 - X % invest it, either on improving your productivity and/or on build passive incomes. Personally i think 10-20% is a good number for that and invest the other 80-90%...

  26. Kris Camaj

    Kris Camaj

    11 dagen geleden

    No way you sold me on smashing the like button 😂😂😂

  27. Ali Madi

    Ali Madi

    12 dagen geleden

    I need help; How to invest if i dont live in the US & am not an American ? I saw that i have to pay 30% tax!??! Is there a way around. Im looking to invest long term in etfs such as SNP500 for example. How to go about it?

  28. Robert Tolito

    Robert Tolito

    12 dagen geleden

    How much longer do you see yourself working on NLcameras? You most likely already have a backup plan when the day comes.

  29. katrina a

    katrina a

    12 dagen geleden

    looks like someone needs to spend $5 at h&m for an new tshirt

  30. L1ghtKn1ght


    12 dagen geleden

    He's probably going to die before he spends his money

  31. Olley Thorpe -

    Olley Thorpe -

    12 dagen geleden

    Another banger Graham! have a great week.

  32. Prastt


    12 dagen geleden

    Hol up! Chu mean you don’t change bulbs with a hammer? You use a bat then?? 🧐

  33. Emily Kingsleigh

    Emily Kingsleigh

    12 dagen geleden

    Graham: My problem spending money Me: I have no money and that’s a problem! 💰 💴 💵

  34. Annika Carlson

    Annika Carlson

    12 dagen geleden

    I watch your videos to motivate myself to save more money. I work at Starbucks as my college part time job so I actually get free coffee- beat that Graham! But your videos have encouraged me to invest in the stock market.

  35. Lulu Centeno

    Lulu Centeno

    12 dagen geleden

    Yeah I notice you chose to kill those bangs with the option to resurrect them by combing them forward again. I like Boogie's Bold Hair Gel from Dollar Shave Club: I make one tube last 3 months since Ms Rona aint done cutting how much I leave the house.

  36. sam wheaton

    sam wheaton

    13 dagen geleden

    I'm glad pokimanes advice on an editor rubbed off on you

  37. Lingxue Li

    Lingxue Li

    13 dagen geleden

    Fucking great video for the shopping season~🤟🏻🤟🏻🤟🏻

  38. AP


    13 dagen geleden

    Great info but damn for some reason it drives nuts when he says destroy the subscribe button

  39. Jesias


    13 dagen geleden

    2:34 Fam, you so damn right its scary. Thankfully I love my job, but I might need to review my spending with this type of a mentality.

  40. edgardo ventura

    edgardo ventura

    13 dagen geleden

    Very smart

  41. Roman Frolov

    Roman Frolov

    13 dagen geleden

    "I treat myself to sushi twice a month" had me dying.

    • Roman Frolov

      Roman Frolov

      11 dagen geleden

      @Gavin Boothe Yeah, haha. Graham is next level frugal. :)

    • Gavin Boothe

      Gavin Boothe

      11 dagen geleden

      Made me laugh. To him that is treating himself really well and to me that is normal haha

  42. Carlos Arias

    Carlos Arias

    14 dagen geleden

    I am 100% with you!

  43. Aliyah Miguel

    Aliyah Miguel

    14 dagen geleden

    Yes i totally agree with you but am already earning $65.000 per week from from cryptonaid. com

  44. Will Flores

    Will Flores

    14 dagen geleden

    Who else loves the lighting on my guys videos?!

  45. Chiva601


    14 dagen geleden

    Smash the like button

  46. Simon48


    14 dagen geleden

    He still hasn't realised that not asking for, or mentioning likes, get's you more likes

  47. Nadia - Instagram for Artists

    Nadia - Instagram for Artists

    14 dagen geleden

    the true measure of wealth is having complete control over your time

  48. Juan Zuniga

    Juan Zuniga

    14 dagen geleden

    Are you hiring!? 🤓📦

  49. Calvin Wellman

    Calvin Wellman

    14 dagen geleden

    Guys this is a new intro instead of what up Graham it’s guys here or the other way around he used what up you Graham it’s guy yes you just wasted 15 seconds of your life reading this comment

  50. Fábio Santos

    Fábio Santos

    14 dagen geleden

    Yaaaay it's guys here!

  51. Jeremiah Jacobs

    Jeremiah Jacobs

    14 dagen geleden

    Great video Graham!

  52. SOORAJ S


    14 dagen geleden

    2:00 -2:10 my fav part 😘

  53. Joshua Vavrin

    Joshua Vavrin

    14 dagen geleden

    that trex skull is hella dope

  54. HG OV

    HG OV

    14 dagen geleden

    Time is more precious then gold. You right!

  55. Brandown Salazar

    Brandown Salazar

    14 dagen geleden

    You should do a video on investing for your kids

  56. Oreo Emesis

    Oreo Emesis

    15 dagen geleden

    out of all this, him and his habitual microwave dinners worries me the most

  57. Ovais Ozair

    Ovais Ozair

    15 dagen geleden

    I’m too lazy to like this video

  58. Ezequiel


    15 dagen geleden

    “What’s up you Graham it’s guys here” he really does read the comments😭😭

  59. Sarah Loker

    Sarah Loker

    15 dagen geleden

    So what you’re saying is you don’t spend money you don’t have. Seems so obvious, and yet is a lesson a lot of people have yet to learn

  60. Robert Rouillier

    Robert Rouillier

    15 dagen geleden

    I just turned 19 a few months ago and my net worth is approaching $50,000, with more than half of that in investments. I've also never worked for more than $10 per hour at any job. It's totally possible to create substantial wealth at any income, really.

  61. antvids05


    15 dagen geleden

    Citibank forecasting Bitcoin to reach $318k by December 2021

  62. I am fucking your waifu and there's nothing you can do about it

    I am fucking your waifu and there's nothing you can do about it

    15 dagen geleden

    I find I'm happier spending a lot of money on stuff I use everyday, so I'd probably be happier with the gucci belt :P. I can't stand cheap stuff that falls apart in 2 seconds, or expensive stuff that falls apart in 2 seconds. I like my money to go toward quality things that will last a long time, and if it improves my life everyday it's less expensive than something cheap even if the price tag says differently.

  63. I am fucking your waifu and there's nothing you can do about it

    I am fucking your waifu and there's nothing you can do about it

    15 dagen geleden

    On the second "Spend money with/on people" I think there might have been some bias in the study. The people spending the money on themselves probably didn't have any friends with spend their money with.

  64. Diana Castro

    Diana Castro

    15 dagen geleden

    Are you adding the faux pas in the beginning to get more people to comment on it, therefore increasing engagement? Because if so, that's pretty genius.

  65. How Rich TV

    How Rich TV

    15 dagen geleden

    been following "guys" for years now lol

  66. John Luke

    John Luke

    15 dagen geleden

    Why do people hesitate to use the word "niggard"?

  67. Matt Stroger

    Matt Stroger

    15 dagen geleden

    That intro threw me for a minute. However, I do like the concepts and ideas discussed in this video. I've been burning the midnight oil trying to minimize my spending and to pay down debt while investing to create a better future for myself. I'm at the point now where I am happy with where I'm at on my monthly spending for the most part and I'm only spending on stuff that will provide a return of value or increase savings over time.

  68. AlphaCrucis


    15 dagen geleden

    Black and white filter: BUT GRAHAM, YOUR NAME ISN'T "YOU GUYS"!

  69. Constantine Sarafinchan

    Constantine Sarafinchan

    15 dagen geleden

    10 ads in an 11 minute video. Im gonna have to stop watching your vids ✌

  70. Kevin Collins

    Kevin Collins

    15 dagen geleden

    He should had job he put life like. Live full life living dangerous

  71. IncomeLabz


    15 dagen geleden

    You had my like already at 0:02 this time!

  72. Jeff Reynolds

    Jeff Reynolds

    15 dagen geleden

    You have so many ads man

  73. Graham Rodig

    Graham Rodig

    15 dagen geleden

    This is so weird... Because I'm Graham too... And I have a lot of financial questions... Have me on your show and it would be "Grahamception??"

  74. Ivana


    15 dagen geleden

    This video is why I subscribed to you a few months ago. I love the financial independence videos you make.

  75. Jay K

    Jay K

    15 dagen geleden

    Graham cracker sounds like Ross Perot. Think about it.

  76. Victor Vindiola

    Victor Vindiola

    15 dagen geleden

    Grahammmm getting massive like look at those arms, might have to question his natty status💪🏽

  77. grokker99


    15 dagen geleden

    Peopl are born cheap or not. Its not a decision. Ive seen it countless times with friends and relatives. It has nothing to do with how much money you earn or have saved. Youll penny pinch regardless of whether you have 10K or 10M in the bank, and vice versa.

  78. EXOTIC


    15 dagen geleden

    you will buy a housebut not a starbucks coffee lmao love the vids

  79. xJordanMM Productions

    xJordanMM Productions

    15 dagen geleden

    Its a rare disease called being a cheapskate

  80. 21st Century Guy

    21st Century Guy

    15 dagen geleden


  81. Tony Vasquez

    Tony Vasquez

    15 dagen geleden

    You’ve earned it. Can’t take it with you. Life is SHORT. Very short.

  82. H


    15 dagen geleden

    As you said that you asked to smash the like button for the second time, you have already done it three times actually!

  83. FeriTales


    15 dagen geleden

    What's the name of that lamp on your right? Do they sell that in IKEA?

  84. Star Gazer

    Star Gazer

    15 dagen geleden

    Perfect video. I shared it with 6 people!

  85. Judy H.

    Judy H.

    15 dagen geleden

    Graham twisting the intro around to get comments. Clever 😄

  86. Igotdemtatts Murph

    Igotdemtatts Murph

    15 dagen geleden

    "What's up you grahams its guys here."?

  87. ozki_torres


    15 dagen geleden

    There are a bunch of assholes out there preaching financial independence and abhor all of them. Graham, however, has a moral compass and it’s the only one that makes a compelling argument for all of this.

  88. Vanessa Sky

    Vanessa Sky

    15 dagen geleden

    So now you have “more free time” to work more?

  89. carlo guevara

    carlo guevara

    15 dagen geleden

    You just spent a mil on that hideous vegas house. People can't say you don't spend money. Your style is tacky but definitely not cheap

  90. Daniel Jaeger

    Daniel Jaeger

    15 dagen geleden

    I'm saying this in hindsight but when I was poor I found myself buying things I couldn't afford or need strictly due to insecurity, I didn't want to feel poor so I made myself more poor the cycle continues. When I started making decent money I found the first impulse to go was the need to buy THINGS that didn't make me money, my used car is just fine... However, Graham is bit extreme in things like his personal food budget (100% ridiculous btw ) and probably waste money trying to be that frugal , his message is 100% RIGHT! Think about it, you buy the Starbucks, fast food eat out ect, think about all that extra money you could be putting away for I dunno a decent Vacation? Lova ya! Keep it up, and try to loosen up a little your world is no longer in tens of dollars or even hundreds of dollars you need to be worried about lol

  91. Soph The Most

    Soph The Most

    15 dagen geleden

    Wow. Forget Pavlov! Graham Stephan has trained me to SMASH the like button before even the video’s even started! Love your content as always Graham! You’ve played an integral part in my personal finance journey.

  92. Moonlight Shine Mobile Detailing

    Moonlight Shine Mobile Detailing

    15 dagen geleden

    Steph what real estate school would your recommend?

  93. Jonathan duesler

    Jonathan duesler

    15 dagen geleden

    its the joy in what you do!!!

    • Jonathan duesler

      Jonathan duesler

      15 dagen geleden

      you might not like it!!!

  94. Lizbeth Brady

    Lizbeth Brady

    15 dagen geleden

    Graham, met too, I spend far less than I earn. It's wonderful to be a disciplined woman financially. I am not wavered by all the Shiny Object Syndrome...great video

  95. Maydal


    15 dagen geleden

    I've found Graham's alter ego in a korean series! The couple went to the wedding place by bus, he used his work suit, she got a second hand dress and his colleague took the pictures. Graham's recommendation taken to the extreme

  96. dan brown

    dan brown

    15 dagen geleden

    I accidentally head butted the like button instead of smashing it. Hope that's ok

  97. JordanCreatesTV


    15 dagen geleden

    You are awesome Graham, thanks for the awesome content and financial intelligence

  98. Alvaro Puelles

    Alvaro Puelles

    16 dagen geleden

    Subscribe the destroy button!

  99. Raza Daza

    Raza Daza

    16 dagen geleden

    Also you’re getting sponsors? How rich are you? Lol

  100. Raza Daza

    Raza Daza

    16 dagen geleden

    But your Dan Lok red suit... and get scammed by him... I know you said he inspires you...I don’t know if you’re a really wealthy if you’re begging for you tube likes?