Here’s how you can go about investing to a million dollars and some of the methods I’m using for you to begin to replicate. I’ll start with some specific investments, move on to where I get the most value, and then discuss how you can accelerate that growth - enjoy! Snapchat/Instagram: GPStephan
For me, my biggest investment has been in real estate. Here’s exactly what my strategy is: I buy an undervalued property that needs to be fixed up, I fix it up - increasing the value of the home - and I rent it out. I make my biggest profits my doing this. The monthly cashflow of rental property is also fantastic for hitting a fairly substantial rate of return.
I then invest in Index Funds, specifically Vanguard VFIAX. It’s an SP500 index fund that’s fairly passive. I invest in this fund through a Roth IRA and SEP 401K. There are a ton of different fund out there for you to look into with fairly decent historic returns.
Investing in individual stocks could also be an option. I don’t do this because the stock market isn’t really my specialty, I don’t want to spend my time following companies and trading, but many people make a decent return if you put in the research. This is another risk vs reward scenario - the risk is higher, but the returns can be higher if you pick the right stock at the right time.
If you have any other discretionary income you want to invest with, you could always look into peer-to-peer lending like LendingClub or Prosper. I’m not sure I’d call this a long term strategy, but it could be profitable in the short term.
You could also look into cryptocurrencies - again, I wouldn’t necessarily call this a long term investment strategy - but hey, if you have money you can afford to risk and you really believe in it, I’m not going to stop you. I definitely wouldn’t replace a proven long term investment strategy with crypto, but if you want to play around with it, sure - maybe Bitcoin hits 100k. Who knows.
From here, we can speed up the investment process dramatically by investing in a tax advantaged account. The two big ones to check out are a Roth IRA and 401k. These are just accounts you can set up where you can buy investments within them. So you can still own all of your stocks you want, but you can do it within Roth IRA or 401k account for better tax treatment, which will help sped up the process to a million.
Lastly, accelerate your growth by living under your means and saving / investing as much as you can. I say this all too frequently but that’s because it’s the truth. The more you invest, the quicker this will all pay off.
I’d also make sure to pay off any debt, if you have any - especially if it’s something with a stupid high interest rate. If you have a large credit card bill, make sure to pay that off. If you have stupid high student loans at a crazy high interest rate, make sure you pay those off as well. Debt is great if you leverage it to make more money, but debt is awful if it’s holding you down and costing you money. So make sure to pay off debts - sounds obvious, but you’d be surprised.
This video might seem a little repetitive and that’s because it is. The basics to this don’t really change, and neither do the specifics - it’s fairly boring. The difference here is consistency and discipline to invest over a long period of time. Otherwise the math behind it is surprisingly simple. Thanks for watching!
For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness @gmail.com
Suggested reading:
The Millionaire Real Estate Agent: http://goo.gl/TPTSVC
Your money or your life: https://goo.gl/fmlaJR
The Millionaire Real Estate Investor: https://goo.gl/sV9xtl
How to Win Friends and Influence People: https://goo.gl/1f3Meq
Think and grow rich: https://goo.gl/SSKlyu
Awaken the giant within: https://goo.gl/niIAEI
The Book on Rental Property Investing: https://goo.gl/qtJqFq
Favorite Credit Cards:
Chase Sapphire Reserve - https://goo.gl/sT68EC
American Express Platinum - https://goo.gl/C9n4e3

By Stock Chat

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35 thoughts on “How to invest your way to a million dollars”
  1. Avataaar/Circle Created with python_avatars x x says:

    Cardano and ripple. Go all in. Graham!!😁🚀

  2. Avataaar/Circle Created with python_avatars NeoWeaponog says:

    Great to see how much you have grown. (2021)

  3. Avataaar/Circle Created with python_avatars Danny Dabbles says:

    “SunCor Financial MPI review” ""

  4. Avataaar/Circle Created with python_avatars Tigrou7777 says:

    You said "I look for a properties that would net me a 10% return on what I invested, after all of my expenses".
    Do these expenses include loan payments ? Eg: you invested 150.000 in a property that generate 15.000 each year. Are those 15.000 before or after you paid the bank ?

  5. Avataaar/Circle Created with python_avatars Good Samaritan says:

    How do you look for property that would return 10% of your money invested?
    What are the criteria that you look for?
    Could you teach us please?

  6. Avataaar/Circle Created with python_avatars Rachel says:

    Very specific comment sorry, I have a double that needs work but I don’t owe a mortgage on it now. Needs to be fixed before I can rent it out. Should I take out a loan to fix it or spend all my savings. Which I am very scared to do but would make it back eventually.

  7. Avataaar/Circle Created with python_avatars Harper Hastings says:

    Bro is anyone gong to include the fact he has a really expensive car in the background which isn’t the best investment

  8. Avataaar/Circle Created with python_avatars 21guitarworld says:

    Should I invest in RGB?

  9. Avataaar/Circle Created with python_avatars Evolve says:

    Aweosome video, thanks for sharing your wisdom 🙏👊

  10. Avataaar/Circle Created with python_avatars Rosalin Plaat says:

    Can you buy a house, upgrade it and sell it without being a real estate agent? Can anyone do this?

  11. Avataaar/Circle Created with python_avatars Adrini Chia says:

    wait… so… his car is INSIDE OF HIS HOUSE?

  12. Avataaar/Circle Created with python_avatars Asyral says:

    The employer match is the best bet

  13. Avataaar/Circle Created with python_avatars Lee Ralph says:

    I know this is an old video…but lots of good info. On the Index Investing…details are the key. VFIAX…Min Investment..$10, 000…here is the point that many throw up there hands and say "I am done"….. For beginners that want to follow this road..they need a map leading to that 10K.. THEN they could invest. This is the point that keep most from following this path.. They are not at the starting point (10k)..They do not even know HOW to get to the starting point…This is were you could be the most beneficial and influential in helping direct people to that starting point. Thanks for all the knowledge that you share with us!!

  14. Avataaar/Circle Created with python_avatars Jacob Jones says:

    Could you do a video more in depth on Roth IRA?

  15. Avataaar/Circle Created with python_avatars investorgreats says:

    Individual stocks is all about well managed companies. Check out Investing Education Graham. Copy his portofolio and you'll probably make 20% ROI per year!

  16. Avataaar/Circle Created with python_avatars Bowlerguy92 says:

    I bet that leather jacket broke the bank

  17. Avataaar/Circle Created with python_avatars Hola! Dynestis says:

    Thank you.

  18. Avataaar/Circle Created with python_avatars Clayton Sharp says:

    Graham, what is your opinion of building REITs portfolio for making money via dividends? Love from Canada!

  19. Avataaar/Circle Created with python_avatars Scott Seven says:

    are you familiar with 457(b) plans?

  20. Avataaar/Circle Created with python_avatars Victoria Sayers says:

    Hi Graham, I have a question, what would you recommend for a 45 year old that is just starting out in investing as far as the fastest way to make a million?

  21. Avataaar/Circle Created with python_avatars Adam Baxendale says:

    Currently 29 years old.. I'll report back at 35 when I'm a millionaire.

  22. Avataaar/Circle Created with python_avatars Kevin's Journal says:

    I'm in NYC, a studio is $600,000, a multi tenant home is prob over $1,000,000 even in the outer boroughs

  23. Avataaar/Circle Created with python_avatars Eduardo Rojo says:

    What does grham mean when he says " to invest %20 into a property" what s that %20?

  24. Avataaar/Circle Created with python_avatars G M says:

    I'd be interested to know if you've pulled out your stocks/index fund positions prior to recession in 2020?

  25. Avataaar/Circle Created with python_avatars Richard Davis Hacking Life says:

    This video needs to get to 6,400 likes on YouTube. Unfortunately I can’t like this twice.

  26. Avataaar/Circle Created with python_avatars sam Fogelson says:

    What do you do when rents go down what do you do if you own rentals in a theoretical situation

  27. Avataaar/Circle Created with python_avatars Hola! TroyNeil Villamor says:

    Is the vanguard applicable internationally? Im from philippines.loyal subscriber here.

  28. Avataaar/Circle Created with python_avatars Nancy Fahey says:

    Wow, great advice. Maybe because I know we're doing some things right. I'm just not convinced I have it in me to rent houses. Do you have any advice on holding the mortgage for the steady income with the interest? We own the houses outright.

  29. Avataaar/Circle Created with python_avatars Yonatan Shoshani says:

    can you invest in Vanguard's ETFs and index funds through Etrade/Ameritrade?

  30. Avataaar/Circle Created with python_avatars John Doe says:

    100% dead on!

  31. Avataaar/Circle Created with python_avatars Mike S says:

    bruhh dis guy XD kills me every time hahaha IS MAGICK !!

  32. Avataaar/Circle Created with python_avatars Jumilyn Villejo says:

    👍

  33. Avataaar/Circle Created with python_avatars Sizzelot says:

    For those worried about not being able to access their money until 59 and 1/2…I believe you can withdraw all contributions to Roth 401k and Roth IRA tax and penalty free. You just can take out the earnings till 59 and 1/2.

  34. Avataaar/Circle Created with python_avatars Carnage says:

    Avocado toast ftw

  35. Avataaar/Circle Created with python_avatars Aleksandr Velinskiy says:

    Ahaha, it's magic! ❤️ 🤣 great video!

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