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What's up, guys? it's Graham here. So these are a few of the things that I wish I knew when I was a lot younger in no particular order because now that I'm in my early 30s, there's a lot of things that I look back on 10 years ago and I think to myself, welp that was dumb I guess I'm just trying to say that there are some universally common experiences that we all tend to go through that don't become obvious until you look back at them in the future with a fresh perspective. So for all of you watching, these are the lessons that I Wish I learned when I was 20 years old because I would have been a lot further ahead how they just understood a few of these sooner. First, don't wait for things to magically happen because they won't.

You know? I Think up until you turn 18 or begin working full-time you're really conditioned to think that if you show up and you do a good job and you do what you're told you're going to be rewarded, it'll happen. Just be patient. I Gotta say, I was completely unprepared for the reality that no one really tells you what to do and no one expects anything from you like. Sure, a boss is probably going to have their own guidance on the type of work they expect from you, but the big picture, everything falls back on you to take the initiative if there's something you want to work towards.

Nothing ever happens without you relentlessly pursuing it, and it's a shame that school never prepares you to account for any of that. For instance, I'll never forget my first week as a real estate agent I had no idea what I was doing and any time that I wasn't shadowing another agent I just stupidly sat at my desk browsing the internet waiting for something to happen or for someone to tell me what to do. For some reason, it took me a very long time to realize that from that moment on, it was up to me to make something happen and if I didn't do it, no one else would I really think it was such a small mindset shift, but I recognized that I have to push myself forward. otherwise I was just wasting time.

The takeaway here is that it's up to you to decide what you want in life and then it's up to you to work towards making that a reality. and if you don't know what you want, then that's not an excuse to do nothing the way I see it: you only have one life and if you're 25 years old, you have 612 months left to make the most of it so the clock is ticking the second. Speaking of that, I wish I pushed myself outside of my comfort zone more often. Even now I'm probably not that much better than I used to be, but looking back, there were so many great experiences that I turned down because I wanted to play it safe and stick with what I was familiar with.

But just think to yourself, if you knew you weren't gonna fail, how much more would you do I think there were so many things that held me back because I was worried about failing or wasting time I thought why even try if there's a slim chance of it working out or even something as stupid is worried about being awkward going out to an event where I didn't know anybody? In fact, that was probably one of the most common opportunities that I turned out I met a lot of real estate clients who would invite me out, but I would say no because I didn't want to show up alone. It sounds ridiculous now and it wouldn't have mattered whatsoever. but I always think to myself how many more opportunities would have presented themselves. I just said yes.
What I've come to realize is that 10 years later none of it mattered at all and I should have just taken the chance because even if it didn't work workout, most likely I wouldn't be able to remember it anyway. I Know it sounds kind of sad to think that way, but it really puts it into perspective just how insignificant a lot of those thoughts and worries are with time and most likely the thing you're avoiding or afraid of doing is probably going to be the thing that's going to help you out the most. The third: this one is new and it's probably a bit off brand, but I shouldn't have been. so Frugal to the point: or I missed out on some really great experiences for the sake of saving money.

but this one unfortunately is a bit of a double-edged sword because on the one hand, I'm here today because I took saving money to the extreme like I budget my day down to the dollar I would cut back anywhere I could and I would refuse to spend money unless it's something I absolutely had to spend money on. but that extreme attitude did end up giving me the money I needed to eventually buy real estate. That real estate eventually gave me the passive income I needed to pursue the projects that I was the most interested in and a thousand percent I wouldn't be here without it, but everything is a trade-off and the price of saving money came at the expense of foregoing. otherwise great experiences that I probably really would have enjoyed realistically.

I could have very easily had gone out to dinner a little bit more often I could have spent more on vacations and it wouldn't have made a difference. Now that's not to say that you should spend two thousand dollars on Coachella tickets because you're young, but I passed up on some great opportunities because I'd rather save twenty dollars and that was really stupid and I shouldn't have done that. Of course, everything you do has a trade-off, and the opportunity cost of traveling throughout your 20s might come at the expense of financially catching up in your 30s. But saving everything at the expense of an otherwise beneficial experience could probably be avoided by taking a bit more of a balanced approach.

Instead, the present day I Currently take the approach of just trying to minimize regret I Think to myself, am I going to look back 10 years from now and regret not doing something? If the answer is a yes then I go for it, no questions asked. That's led to so many great friendships, experiences, and memories to the point where I wish I began applying that mindset sooner. The fourth thing I wish I knew was how to ask you to subscribe. If you haven't done that already, did you know that more than 50 percent of viewers leave that subscribe button unsmashed? hi, my name is Graham Stefan You might remember me from such Classics as my 78 dollar Tesla or how to get a perfect credit score for zero dollars But today I'm here to share an important message that every 30 seconds a viewer watches a video and leaves the like button or subscribe button unsmashed.
Thankfully though, you can help the low cost of nothing, you could help the YouTube algorithm. And subscribe to a Creator who promises he'll stop asking. If you finally do it, just give it a gentle tap and you'll be able to screenshot a hand-drawn picture of the Subscribe button. Okay, just kidding.

Fourth: It's Perfectly Normal To fail and no matter how hard you try, nothing is going to be perfect. You know, throughout my 20s I definitely played it very, very safe and I would only try something if I thought it had a high chance succeeding. I Guess that was kind of like my way of protecting myself from ever being wrong. But after staying in that bubble of comfort for a while, I began to realize that you could only go so far without taking a risk because I Gotta say, you learn a lot more from your failures than you do your successes.

The fact is, the more you put yourself out there, the more you do, the higher the chances are that you'll make a mistake. and at a certain point it's just a numbers game. The more shots you take, the more shots You're Gonna Miss But that shouldn't scare you away entirely from trying something new. In fact, it's probably required that if you want to do above the average, you're gonna have to have more mistakes and more failures than the average.

I Know when you try something and it doesn't work out, it seems like the end of the world. But believe me, most people go through failures on a regular basis, but you never hear about it. No one ever talks about it because it's done privately. However, that is not a reason not to try and instead of wallowing in it, just turn it around and think to yourself, what can I learn from this and how will this experience prepare me in the future? My thinking is that since it can't change the past, it is what it is.

You may as well improve yourself going forward. So be okay with the aspects of failure because the more experience you get, the more accurate your shots are going to be. Fifth, You shouldn't compare yourself to anybody else. Look I Think of the one hand that looking to someone else can give you the confidence that if they could do it, you could too.

Like I've been constantly inspired by looking to other people, seeing what they've done, learning from them, and then putting my own spin on things so we could achieve the same goal. But I've seen people take this way too far to an extreme to the point where comparison turns into this downward spiral of self-pity where you look at the other person and think they don't work as hard as I do. That's not fair. They shouldn't have all of those things that's not right.
That just becomes this huge waste of mental energy that distracts you from actually achieving those things in the first place. Not to mention, once you start getting down that path of negatively comparing yourself to somebody else, you'll begin to realize that there's always going to be someone who's smarter, richer, better looking, and better shape who has more. It quite live literally turns into a game of mental gymnastics that you could never win. Plus I would bet that the person you're comparing yourself to is comparing themselves to somebody else.

It just goes indefinitely. What I've learned instead is that we all go to our own pace and life's not a race because there's no Finish Line It's all just a continuous journey and the person who runs the fastest is not competing with the person who's taking it slow and enjoying the scenery. On that same note, number six I'll tell you, deep down, most people have no idea what they're doing. you know, in my 20s I Really thought that people older than me in their 30s had it all figured out.

but as I got older I realized they don't and when you really get down to it, everyone is just doing their best with the information that they have available to them. They're winging it at every age. I think I've come to realize that there's never any point we're going to have everything magically figured out, and chances are most people are just looking to someone else for the reassurance that they're on the right track regardless of how confident they seem. I think at the end of the day, we're all in this together.

we're all figuring out how the world works and we're doing the best that we can given our own unique circumstances. That doesn't make you weird, it makes you normal, even for myself. I Still often have just as much doubt today as I did 10 years ago. I'm still trying to navigate the balance of friendships, relationships, and work I Don't know sometimes when I should take a step back and I have trouble letting go and relaxing I'm just as much winging it, learning alongside with everybody else and if someone tells you they have it all figured out, chances are I have a feeling they don't.

And finally, seventh, don't waste your time on things that don't matter like I know this sounds like common sense, but looking back I wasted so much time concerning myself with scenarios that were never going to happen. In hindsight, I could have used all of that same energy doing something productive that actually would have gotten me ahead. The same thing also applies anytime you take part in mindless activities scrolling social media for the 50th time, waiting for something new to happen, indulging in useless drama, or succumbing to something that doesn't directly benefit your life in one way or another. But I would venture to say that almost everybody watching spends at least an hour or two a day entrenched in their phone when they could be using that time towards something that would benefit them.
like, how do you think you would feel differently if you were able to spend an hour a day at the gym or an hour a day reading, cooking, learning a new skill, playing an instrument. but instead that our day is spent scrolling Tick Tock and I bet that you can't even remember anything that you saw on Tick Tock a day ago, can you I can't. The truth is, if something isn't adding to your life, cut it out and over time that is going to compound massively to help you out in the future. Look, I'm not perfect I Know there's a lot that I could improve on and I'm on the exact same Journey as a lot of you watching.

but hey, if you could learn from at least one of my experiences, then it's all worth it. And if you found this helpful like I mentioned earlier, it would mean a lot if you hit the like button or subscribed or you know what, even there's a free stock Down Below in the description with their sponsor public.com just use the code gram that could be worth up to a thousand dollars. Feel free to use that down below. Thank you guys so much And until next time.


By Stock Chat

where the coffee is hot and so is the chat

24 thoughts on “7 things i wish i knew at 20”
  1. Avataaar/Circle Created with python_avatars Julie 1ZR says:

    It is very inspiring and powerful.

  2. Avataaar/Circle Created with python_avatars Eduardo Romero says:

    Good video hate the thumbnail tho, make it more optimistic and clickbait tbh

  3. Avataaar/Circle Created with python_avatars Marco Leite says:

    The don't be frugal point is the exact thing I am always thinking about everytime you say to save every penny possible 😀

  4. Avataaar/Circle Created with python_avatars Furqan Salam says:

    If I knew you before I was the first subscriber ,I am from Pakistan

  5. Avataaar/Circle Created with python_avatars Peter K says:

    I would like this video multiple times if I just could! 👍

  6. Avataaar/Circle Created with python_avatars lodikevin says:

    Clicked like for Sarah McLachlan

  7. Avataaar/Circle Created with python_avatars Owen says:

    Best video I've seen you do yet. Solid advice.

  8. Avataaar/Circle Created with python_avatars Darrin says:

    Thanks again

  9. Avataaar/Circle Created with python_avatars QLosoB says:

    GRAHAM ! don't scare me like that bro 😂 I'm 24 turning 25 in a few months I'm trying my best to get it done 2nd generation in America and I'm working hard 💯

  10. Avataaar/Circle Created with python_avatars Tom Jason says:

    The stock market is a way to hedge against inflation. Most notably amidst recession, investors need to understand where and how to allocate funds to hedge against inflation and still make profits.

  11. Avataaar/Circle Created with python_avatars shesaidwhatmonkey says:

    Great video.

  12. Avataaar/Circle Created with python_avatars Pee wee Herman says:

    This is Grahams channel and we know it!

  13. Avataaar/Circle Created with python_avatars Jennifer Volkert says:

    Too much clickbait.

  14. Avataaar/Circle Created with python_avatars Brianna Ponce says:

    This is the video I need from older brother Graham instead of finance Graham 😭🫶🏼

  15. Avataaar/Circle Created with python_avatars Tony Toledo says:

    Something I wish I knew at 19 was not to follow grahams advice so I wouldn't lose money in ftx

  16. Avataaar/Circle Created with python_avatars Jose Aguilar says:

    Thank You for your videos Graham 👍

  17. Avataaar/Circle Created with python_avatars Fabricio Gaspar Zamora says:

    Thanks for the information Graham!

  18. Avataaar/Circle Created with python_avatars Gabriel Anderson says:

    Best video in a long time, Graham. 👍

  19. Avataaar/Circle Created with python_avatars Woo_avenue says:

    This was a good one

  20. Avataaar/Circle Created with python_avatars Clare So says:

    Falling for the "too frugal" trap would be easy not only for Graham. We could pat our back for saving $1500 on a trip with college friends, but the friendships could have introduced you to bigger opportunities such as a lucrative job in the future.

  21. Avataaar/Circle Created with python_avatars YouTube Hane says:

    Amazing stream, as always. I commend the approach you take to the news and the markets. A lot has changed lately but the truth is I don't even care much about how bullish or bearish the market is anymore because LIBERTONCORP has got me covered as I am comfortably making 3.1B T C monthly.

  22. Avataaar/Circle Created with python_avatars Kitto Meow says:

    Although< I have interests in global economics I don't watch the news anymore… I have enough FUD. Thanks for this news and offering your insight on how to navigate during unfortunate times/events like this. You're right about keeping level headed when investing so that's why I think it's important to limit the amount of FUD we consume. I don't watch the media but the news that you present has enough to know issues going on without riding the emotional rollercoaster if I were to watch the news everyday. Now I buy and just trade long term more than ever, I have made over £728k from day trading with Liberton Corp Signal in few weeks, this is one of the best medium to backup your assets incase it goes bearish….

  23. Avataaar/Circle Created with python_avatars Məhəmməd Seyidov says:

    Great stream, as always. I appreciate the level-headed approach you take to the news and the markets. A lot has changed and that's on everything but the truth is I don't even care much about bullish or bearish market anymore because LIBERTON CORP got me cover as I am comfortably making 3.1B T C weekly

  24. Avataaar/Circle Created with python_avatars Nostalji Rüzgarlari says:

    While everyone is focused on BTC, ETH, or any other top alt coin and playing defense, they are missing out on high-quality projects set to launch on CEX. For example, LibertonCorp will go mainstream soon, with 10x-20x possible even during this bear market, but only a few people are aware of this.

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