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Graham Stephan

@GrahamStephan217k followers

Real Estate Investor, Car Enthusiast, 5M+ Subs on YouTube. Newsletter - Insta -

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Oct 16
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Posts 84 posts
#DatePost↓ OutlierViewsLikesRepostsBookmarks
1Oct 20, '22Passive income hack #234189×0255k24k3.7k
2Aug 17, '22The Chinese economy is experiencing a near-complete collapse. Nearly half a million customers have lost their deposits as the banks lent indiscriminately to housing developers who 55.5×047k14k6.5k
3Nov 12, '25I personally know dozens of people who would move in 2026 if they could take their 2.75% 30YR Mortgage and apply it to the next home.44.9×2M14k543467
4Mar 16, '23GPT-4 is here. Its abilities are mind-blowing – and can make you money: 🧵40.8×1.9M6.6k1.1k5k
5Oct 7, '23Here's a fun fact: The CEO of Lucid Motors earned $379 million in 2022. That is more than the combined pay of the CEOs of Apple, Microsoft, and Google. And the kicker? -- Lucid onl38.6×1.8M5.5k361284
6Mar 11, '23One of the largest banks in the US completely shut down in the last 36 hours. Here's what went wrong at Silicon Valley Bank and why it affects your money: 🧵28.2×1.3M3.3k743939
7Oct 2, '22$600 Billion: What Lehman Brothers held in assets when they crashed and took the economy with them. $2800 Billion: What Credit Suisse and Deutsche Bank control in AUM. 4.6x more. C22×019k5.8k2k
8Nov 24, '23If you invested $1,000 with Warren Buffett in 1965, it would have grown to $4.3 million by 2010. However, if Berkshire had been a hedge fund charging 2 & 20, that $4.3 million 21.5×980k3.2k283592
9Oct 16, '25Can confirm. Paid $306k ~5 years ago. Recently turned down an offer for $450k.21.4×975k3.5k38325
10Mar 12, '23This puts the magnitude of the SVB collapse into context:20.9×949k3.8k819314
11Oct 17, '25On a 5 hour flight. Guy next to me is complaining about high cost of living, how it’s impossible to get ahead, and how rich people are lucky. Meanwhile, he ordered 6+ alcoholic dri18.9×861k5.4k167707
12Feb 25, '23During the Super Bowl, an owner of 95 AirBNBs in Phoenix expected to rent out all his properties at $1,200 a night. After dropping his price to $500, 55% of his properties were sti18.4×837k2.7k9782
13Dec 7, '22Right now is one of the best entry points the stock market has seen in the last 15 years. If you wished you could go back in time and invest in 2009, now would be that opportunity 17.7×010k1.2k8.4k
14Mar 8, '23It's not a great time to be a landlord:17.2×780k1.6k82260
15Mar 12, '231 day after Silicon Valley Bank's collapse. These are the companies – and countries – that have been hit, and how they are reacting:🧵17.2×780k1.5k364392
16Jul 1, '22The used car market is on the brink of an auto loan collapse that can shake the entire industry. I am shocked that more people are not talking about this! We are facing a 2008-ish 14.6×013k2.4k2.4k
17Nov 8, '25A 50-Year Mortgage would allow you to buy approximately 10% more house (or save about 10%) at the expense of nearly DOUBLING your payment schedule. There's no way that ends well. A13.5×615k2.5k330297
18Oct 30, '25Peak Chipotle was 2011-2015 when a bowl was $12 and it was loaded so high that it could barely close.13×592k6.5k233140
19Oct 24, '22Are you watching closely?12.8×014k2.5k866
20Oct 26, '25Mathematically dumb. Emotionally, I get why.12.7×580k2.7k49198
21Nov 15, '23If you were to buy a $1 Million home, you would have to • Put $200,000 down • Take on a mortgage of $5,600 • Pay another $1,000 in property taxes, insurance, and maintenance A gran11.5×523k2.2k358504
22Feb 6, '23I saw a lot of hot takes on this: In my view, you must absolutely spend on things and experiences that bring you joy. At the same time, you should be aware of its long-term impact.11×500k2.8k429259
23Nov 22, '23Zuckerberg has been selling $9 million worth of Meta shares every day for the last few weeks. If he continues this trend, it will take him more than 52 years to completely sell his10.5×479k1.7k200161
24Mar 15, '23You cannot make this up...10.5×476k2.6k23641
25Feb 20, '23The book Warren Buffett has recommended the most is "The Intelligent Investor" by Ben Graham. Here are 10 timeless principles from the book that you can use to invest better:9.9×452k2.2k3381.1k
26Jan 9, '24The best way to create long-term wealth is to Dollar Cost Average into an Index fund. It's boring but you'll beat almost everyone who tries something else. Here are the top 5 index9.9×449k2k2013.4k
27Dec 28, '22Jack Byrne, the chairman of Geico, was golfing with friends when he made a bet: He would pay $10,000 to anybody who hit a hole-in-one. They just had to pay an $11 "premium". Every 9.8×445k1.3k170402
28Jan 2, '23The best way to create long term wealth is to Dollar Cost Average into an Index fund. It's boring but you'll beat almost everyone who tries something else. Here are the top 5 index9.7×441k2.4k3051.4k
29Aug 5, '24All of X now:8.5×386k4.5k275110
30Nov 13, '22When all the tech bros are outperformed by a 92-year old man who doesn't like internet!8.5×012k866169
31Jul 23, '22The auto industry collapse has just begun and this would be one of the worst times for you to buy a vehicle. In a normal market (pre-2020), Auto Loan delinquencies hovered at 2 to 8.1×07.1k1.6k1.2k
32Dec 24, '22Where do you think we are right now?7.8×353k1.3k207183
33Mar 10, '23I asked "What are the best finance and investing podcasts?" I received 140+ replies. Here are the top 15 picks:7.7×350k1.4k2091.5k
34Sep 27, '22The biggest irony now is that out of all options, the best investment you could have made in 2021 was a 30-year fixed interest mortgage at ~2%.7.6×010k552326
35Oct 30, '22Guys, I have a feeling Warren Buffett might actually know what he is doing!7.3×09.6k656403
36Dec 24, '22Incredible power of stock splits and dividend reinvestment.7.3×330k1.4k18283
37Jan 8, '23How 2022 was for the average investor!6.8×309k2.1k34594
38Oct 6, '25I’ll never build again in Los Angeles. It’s been 45 days with city inspectors, each one wants something that the previous one didn’t mention. This is for an ADU. No wonder LA has a6.7×306k3.2k290230
39Oct 17, '23Still think day trading is a good idea?6.4×293k1.7k140151
40Feb 18, '23Housing is less affordable now than during the peak of the 2007 housing bubble!6.0×272k1.7k25674
41Oct 9, '23The average cost of a family's annual health insurance increased from $6,000 in 2000 to $21,000 in 2022. On totally unrelated news, UnitedHealth is up 4,000% since 2000.5.9×270k1.9k29096
42Nov 6, '22So you've won the $1.6 Billion Powerball Jackpot and now have 10x-ed your friends circle. Here's how to manage all that money:5.1×04.3k5351.4k
43Aug 31, '22There is a storm brewing in the housing market. - Home sales are down 20% - Mortgage demand is now at a 22-year low - Even Blackstone has stopped home purchases! Lawrence Yun, Chie5.0×04.7k1k588
44Oct 10, '23New retirement plan just dropped.4.9×223k1.6k10438
45Feb 20, '23State of current economy: - Egg prices are up 70% in just the last 1 year - Mortgage rate is at 7% - Gas prices up 37% since 2020 - Credit card debt is at an all-time high - Fastes4.7×215k1.8k18946
46Dec 26, '22The median U.S. household net worth is $121,700. But, the difference between the net worth of homeowners versus renters is staggering. Homeowners in the U.S. had a median net worth4.3×196k1.4k16464
47Sep 17, '22Strap in - The New York Times just published a report on Congress trading stocks and the findings are incredible! - 97 Congress Members flagged - 3,700 trades with a potential conf4.3×03.9k1.1k256
48Nov 9, '22Someone just won the $2B Powerball jackpot in California. Throwback to one of the best Reddit threads I have seen on what to do if you win the Powerball.4.3×03.5k3431.5k
49Oct 24, '22Ahh, the "free-market" strikes again! Didn't we subsidize its R&D?4.1×04.9k644124
50Feb 24, '23Employee vs Business Owner – Which is better?4.0×180k1.2k137207
52Sep 27, '23Here's a simple way to avoid Government shutdowns: You just pass a law that says every time there is a Govt. shutdown, all sitting members of Congress are ineligible for reelection3.5×160k1.9k15618
53Mar 5, '23When I see someone buy a $5 coffee and $10 avocado toast3.5×160k1.4k649
54Oct 19, '25Rent control doesn’t lower rental prices…it just locks a select group into artificially cheap housing while forcing everyone else to pay more. In addition to that, someone making $3.3×149k2.7k156104
55Nov 6, '22Well, we will try again next year - right😬!3.1×03.4k419289
56Dec 20, '22The average 75-year-old today is 77% wealthier than the average 75-year-old 30 years ago. But the average 35-year-old is 19% poorer.3.0×137k1.3k15636
57Nov 26, '24Someone should do a study on this.2.9×131k1.5k6837
58Mar 4, '23Inflation from 1985: 178% Costco hot dog price increase: 0%2.9×130k1.3k10510
60Jan 12, '23Our monetary system explained!2.9×130k1.9k25840
61Nov 13, '25FYI: The IRS just updated the 2026 IRA contribution limit to $7,500 (up from $7,000 in 2025).2.7×122k1.7k8970
62Jan 28, '21A wild theory: Citadel routes order flow for #Robinhood. Citadel 'invested' BILLIONS into Melvin Capital, who lost BILLIONS shorting GameStop. By halting GameStop, they slow the lo2.7×03k62927
64Dec 22, '23Me after I meet someone who locked in a 2% mortgage.2.6×118k1.4k679
67Nov 1, '2230-year mortgage rates have just crossed 7%! For some context on how bad this is, for a $500,000 mortgage, you end up paying nearly $439,000 more over 30 years as the interest rate2.2×02.5k315123
70Sep 29, '22We are winning, right?1.9×02.2k26269
71Oct 11, '22The #1 rule of building wealth is to spend less than you make1.9×02.4k26427
73Nov 30, '22There is a storm brewing in the housing market. Single-family home sales are imploding and housing just had its largest MoM drop in a decade! CA and TX markets have seen a 15% drop1.9×01.8k328271
74Jul 23, '22"If you are even a slightly above-average investor who spends less than they earn, over a lifetime, you cannot help but get rich if you are patient." - Warren Buffett1.8×02.2k244129
77Oct 9, '22It's official: After a decade of unstoppable growth, the housing market has begun to fall. The escalating Mortgage rates (Now over 7%!) and increasing inventory have caused home sa1.7×01.8k336151
79Sep 21, '22Financial independence isn't a choice any more - It's a necessity. Interest rates are unpredictable, real wages are falling, and inflation keeps rising. But you can go from 0 in sa1.7×01.4k233451
82Aug 21, '22How the US Govt makes and spends its money!1.5×01.5k240219
83Sep 27, '22Pro tip - If Warren Buffet doesn't know how the stock price of company is going to trend, its unlikely that you would!1.5×01.4k245247
85Oct 1, '22Both Credit Suisse and Deutsche Bank are designated as systemically important financial institutions (SIFI): i.e. they are "too big to fail".1.5×01.3k334120
87Oct 28, '22I can 100% guarantee you that the best thing you can do for your mental health is to have 6-months of emergency savings! All other investments can wait till you build this.1.4×01.7k17774
88Nov 25, '22Friendly reminder that just because it's on sale, doesn't mean you need it!1.4×01.7k21613
89Oct 14, '22🚨 Unbelievable 🚨 A Wall Street Journal report shows thousands of Federal officials trading stocks in companies they oversee. - More than 2,600 officials flagged at EPA, FTC, DOD,1.3×01.3k30957
90Sep 26, '22Fed - We have successfully cooled the housing market! Everyone else - Yes, but at what cost🥲?1.3×01.5k19545
91Aug 29, '22Folks, please don't do this - Cars are massively depreciating assets. A $50k car would only be worth $25K after 5 years. On this, you would have paid $7K as interest. Essentially y1.2×01.3k117102
93Sep 8, '22Friendly reminder that you most probably don't 'need' that new iPhone!1.1×01.5k1115
94Aug 29, '22Never bet against the Fed!1.1×01.4k18224
95Sep 15, '22For some context on how bad this is, for a $500,000 mortgage, you end up paying nearly $324,000 more over 30 years as the interest rate increases from 3% to 6%.1.1×01.3k17457
96Sep 3, '22Pro Tip - Please don't be this guy.1.1×01.3k5259
97Jun 1, '22Reminder that you should always have an emergency fund that can cover 3-6 months of your living expenses!1.0×01.2k15315
98Nov 24, '22Is recession canceled? - Shipping costs are now down to pre-pandemic levels!1.0×01.3k9829
99Oct 27, '22Meta stock is now down more than Bitcoin in 2022! $META: -62% $BTC: -57%1.0×01.3k14913
100Nov 12, '22TIL, a repossession can be in less than a minute!1.0×01.3k8737

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