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Let's discuss How To Make Passive Income with as little as $100 - Enjoy! Get up to an extra $10,000 when you transfer your stocks to Public from another brokerage - Go to and use code GRAHAM - Add me on Instagram: GPStephan
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The benefit, from an investment standpoint, is that you’ll be able to receive predictable cashflow - on a regular basis - without needing to sell any shares. Fidelity also found that dividends accounted for 54% of market returns during times when inflation was above 5%.
In fact, Warren Buffett even said that “A low-cost fund is the most sensible equity investment for the great majority of investors," and - index fund investing has outperformed even the BEST professions over a 20-year period. Many of them also pay a Dividend!
Think And Grow Rich:
The Four Hour Work Week:
The Book on Rental Property Investing:
How To Win Friends And Influence People:
Rich Dad Poor Dad:
The Millionaire Fast Lane:
Alive With Zero:
Your Money Or Your Life:
I know plenty of social-media businesses that were started with nothing out of pocket…they just found a common problem that creators were facing, developed a solution, and then built their business by working for free. From there, they were able to outsource work and slowly scale back.
Even though it’s not entirely “passive” - it’s fairly easy, and you can grow your money WAY FASTER than you’d get by investing it. Both credit cards and banks will give you a “bonus” for opening an account and meeting some minimum requirements - usually, that bonus is anywhere from $50 to $200, and it usually takes about 30 minutes of work to complete - plus, websites like NerdWallet and ThePointsGuy list update the options on a weekly basis.
For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness
*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. Public Offer valid for U.S. residents 18+ and subject to account approval. There may be other fees associated with trading. See

What's up? Graham It's guys here. so imagine if you had an extra 5, 10, or even twenty dollars a day deposited into your bank account without you having to do any work whatsoever, what color would your Lambo be? All right? In all seriousness, someone has tried pretty much every single passive income idea in existence. I'll admit, most of them are a complete waste of time. they'll take you forever to build and financially, you'd probably be better off just working a minimum wage job instead. But there's also legitimate ways of making passive income that are often overlooked. and even though you're not going to get rich overnight, the good news is that you would be able to get started today with as little as a hundred dollars. and if you could simply get the basics down, you'd be able to rinse and repeat these exact same strategies to eventually work your way up to a hundred dollars a day. So let's talk about everything that you need to know in terms of exactly what to do, where to start, and how to scale because everything that I'm talking about is something that I have personally done myself. So please learn from my mistakes and I'll give you real actionable steps that you could begin today starting with this: Oh, and by the way, all I ask for in return. If you find this video helpful in any capacity, just consider hitting the like button or subscribing for the almighty YouTube algorithm. So thank you guys so much! And also a big thank you to for sponsoring this video, but more on that later. All right Now First, it's important to understand that when it comes to passive income, there are two very different types that you could generate for yourself. The first is by investing your money and the second is by investing your time. I'll break down both options here since I use a combination of each. But before we go on to that, we gotta get this out of the way. Even though some people say that passive income is not a real thing, it doesn't exist. It's not possible. I'll be the first to tell you that yes, it is real, it does exist, but it's probably a lot different than what you would expect. The reality is flat out you will never get something for nothing and it's not like there's the option out there to go and set up an automated YouTube channel that makes you 500 a day while you Outsource all the work for pennies on the dollar instead. Realistically, passive income is a way for you to leverage your time and efforts up front in such a way that you'll get paid later on in the future, even when you're not working. Just be prepared to put in the work, learn these strategies, and don't expect money to pouring into your account overnight. And and now, of course, with that said, let's begin with the money aspect. if you're looking for the simplest, easiest, no work approach to making true passive income as in you literally do nothing besides collect money, then you might want to consider buying into dividends. Now, this certainly isn't going to make you rich overnight, but a hundred dollars is going to be enough to lay the groundwork from which you'd be able to build from. And this is how you could do it. Anytime you go and buy a stock, what you're really buying into is a small piece of ownership within the company. Now that doesn't mean you'll be able to go and walk into the Apple Store and claim that you own the place because you got an Apple stock. But buying into a company doesn't title you to a portion of their profits, and that's usually in the form of a dividend. Of course, not every stock pays a dividend, but usually when they do, they range anywhere between one and ten percent depending on the company. Although most of the time you'll find the strongest companies paying anywhere between one to five percent every single year, and chances are that is going to be the easiest passive income you're ever going to make in your entire life. The benefit from an investment standpoint is that you'll be able to receive predictable cash flow on a regular basis without having to sell any shares. And this gives you leftover money that you could then use to buy even more Investments that will then make you even more money. It's almost like you could buy yourself access to a little tiny money printer where every 100 you invest will get you on average one to five dollars back every year. On top of that, the Simply Say Dividends blog pointed out that in three of the above recessions, dividends paid to investors actually increased, including a forty six percent jump during the first recession following: World War II Now, even though such an increase doesn't happen every time, the average dividend cut is just a mere half a percent compared to the stock market's average decline of 32 percent. Now, the downside to this, however, is that not all dividend stocks are actually worth buying, even if they are paying you a high amount. But consider IBM even though they're paying you a four percent dividend. Over the last five years, their stock prices remained completely flat. Compare that to Apple which is up 219 percent, Amazon which is up sixty percent or Facebook which is, well, okay, maybe not Facebook That's a bad example. That's why it's important to pick your dividend stocks very wisely and invest in companies because of their strong long-term financials, not just because they pay a high dividend. If you could do this, investing a hundred dollars is enough to start building the foundation from which, like I said, you could begin earning a lot more money. The second, if you don't want to take the risk picking individual stocks, in which case, I don't blame you. You could also take my personal favorite approach with an index fund. This is basically a big basket of stocks that you could buy into for one low price and that way you'll own a small piece of everything. For example, if you were to buy each individual stock in the S P 500, Not only would that be a logistical Nightmare and take you hours, but it would also cost you around eighty thousand dollars. So instead, an index fund was created as a way to track the entire market and simplify investing without having to dump everything into Carvana. And Index Fund Investing has outperformed the vast majority of professional investors over a 20-year period. That means that statistically, you're going to make more money doing this than any other stock market investment that you could think of. And in terms of passive income, here's how you can make that a reality. First, you'll receive a dividend. In most of these funds, the dividend yield is anywhere between one and three and a half percent annually, Which might not sound like a lot because on a hundred dollars, you're only going to make about one to three dollars a year, but you could also combine that with number two, the stock price increasing. overall. Throughout the last 100 years, the S P 500 has increased by an average of seven percent a year adjusted for inflation with dividends reinvested. So if you just buy and hold into an index fund long term, you can expect to 10 extra money over 30 years with this one simple trick that hedge funds hate. And third, this plays into What's called the four Percent rule. This was a strategy invented back in 1994 and used as a method of calculation to make sure you never run out of money in retirement. Or basically, if you want to have endless amounts of passive income forever, you would be able to spend four percent of your portfolio every single year for the rest of your life. Just imagine it, like every one dollar that you have is turned into a work worker where its only job is to go and find pennies to bring back into your account. Now initially, it might not seem like a lot to put your workers out there to bring back you pennies, but once you have hundreds, thousands or even hundreds of thousands of little workers out there all bringing you back pennies at the exact same time working 24 7 even when you're not, it begins to add up. but at the same time. I Get it? It's probably not the passive income idea you expected when you clicked on a video like this. So if you wanted a higher return or something that could potentially make you thousands of dollars, consider this at the end of the day. When it comes to passive income, it's essential that you do your best to save money, invest wisely, and research the markets as much as you can. And thankfully, our sponsor, wants to help. Public is the only investing platform that allows you to invest in a wide variety of options from stocks ETFs, alternative assets and more all in one place without routing your order flow so that you could rest assured your trades are being placed to the best possible price. Public also gives you all the information and tools that you need to make informed investment decisions. They've premium membership tier where you can unlock Advanced Data portfolio management tools and analyst insights like say, for example, that you want to evaluate a company in close detail. You're able to track unique Kpis like how many vehicles a specific model Tesla's delivered this quarter, Netflix's latest subscriber growth, or Apple's Revenue breakdown per product line. You can also get access to institutional grade research for Morningstar and hear the Bull and Bear cases from expert analysts on the most popular stocks. And it doesn't end there. Public premium members also have access to extended hours trading, so you could react to after market hours headlines and news like how 55 percent of Americans are behind on saving for retirement and yeah, I'm looking at you right now. Now is the time to get with it. So when you sign up at Gram and transfer an account from an existing brokerage, you can get all the way up to ten thousand dollars depending on the transfer amount and if you transfer twenty thousand dollars or more, you get to skip the wait list and get instant access to Public Premium. Feel free to see the additional terms and conditions of the offer by following the link Down Below in the description to get started today And now with that said, let's get back to the all right. So the reality is, unless you buy a winning lottery ticket, go back in time to invest in Dogecoin or appear in the next Mr Beast Video A hundred dollars by itself is probably not going to amount to much. That's why if you want to make a lot of passive income, the highest yielding investment that you can make is in education. So if you want my recommendations on exactly what you could do to make the most of it, here's what: I Think first. for ten dollars, go and buy the book. Think and Grow Rich No joke. I Read this book when I was 16 years old and it absolutely changed my life. If you want to become wealthy, this book contains the mental blueprint for achieving whatever you want. And for me, it's been the best investment that I could have possibly made in terms of learning actionable steps that anybody could use to build wealth. Second, take 15 and buy the book. The four hour work week. This is a book I Read right after graduating high school and it completely changed the way I viewed business money and leveraging your skills. Third, take Twenty dollars and Buy the Book on Rental Property Investing by Brandon Turner I've been fortunate enough to have him on my channel before even realizing that he was the one one who wrote the book that I was obsessed with while buying real estate. But regardless of whether or not you want to buy a rental property, the information is invaluable. and since buying a home is the largest financial transaction you're ever going to possibly make, it's worth knowing what you're doing. Next, four, take Ten dollars and buy the book How to Win Friends and Influence People Here's the thing: no matter what business you're in, you need to understand how to effectively communicate with another person, understand their point of view and treat people with respect. This book teaches you how to make win-win conversations for everybody and I think more people should be imploring this if since we've only spent 55 dollars so far and I don't want this video to go on forever, I would spend another seven dollars on Rich Dad Poor Dad 20 on the millionaire fast lane Seventeen Dollars on die with zero and the remaining on your money or your life I Know we're slightly over a hundred dollars now, but if you actually go and buy these books and then actually go and read them over the course of a year, I Guarantee you'll have more business Acumen than 99.9999 of people on the planet, and because of that, it's practically guaranteed that you will make more money as a result. The fourth: you can also take a more practical approach, and even though it's not a lot, you could use a hundred dollars towards starting a business. Oh yes, I Know this is quite literally the opposite of passive income, because starting a business could be one of the most difficult mental challenges you will ever encounter in your entire life while you make absolutely no money until you get it off the ground. But you'll learn a lot and once you begin earning a consistent amount, you'll be able to. Outsource the day-to-day activities for example I Know plenty of social media businesses that were started for nothing out of pocket. They just found a common problem that creators were facing, provided a solution, and then worked for free until they proved themselves. like right now there's a huge opportunity to take long-form content like this and then chop it up into tick tocks, reels and shorts. I'll tell you, most creators are not doing this. Most people have no idea this is even an opportunity. The business itself is going to cost you pretty much nothing to start up besides your time and once you begin to understand how this works, you could Outsource almost everything. You feel free to take this idea, by the way and run with it because some of you are going to make a lot of money doing this and that isn't the only option. Plenty of other businesses could also be started with no money out of pocket like creating thumbnails for YouTube videos, taking a video outline and turning it into a newsletter connecting brands with channels here on YouTube or taking a free coding class to build the landing page on top of that I Know it's now the most cliche thing ever to say, but you could also take a hundred dollars and start your own YouTube channel I Know this is one of the biggest, easier said than done tactics to make money, but the reality is if you enjoy talking to the camera alone in a room and it's Saturday at uh I guess it's almost 7 P.M then uh hey, if that's your idea of a fun Saturday night, then be my guest in. save me anyway anyway if you find him anyway. If you stick with it and you don't mind mispronouncing words all the time and having to refilm everything from the very beginning, then YouTube could be fantastic. For example, when I started creating YouTube videos I filmed everything on my iPhone that I already had I edited for free using iMovie on my computer that I learned to edit on for free by watching YouTube videos and I talked about my experience in real estate honestly I just had so much fun making videos every single night. It was the only thing that I looked forward to doing and it eventually blossomed into what it is today. Of course, the downside is that you're reliant on the YouTube algorithm. You have to constantly post videos if you want want the algorithm to show your videos and it's consuming of your entire life. But there's also an element to it where even the older videos that I made years ago are still bringing in sometimes pennies, dollars, or even tens of dollars every single day. even though it's been years since I've made that video. Think of it as something that's very time consuming and unprofitable up front, but long term, it could pay off way more than you initially put in if you just stick with it long term. Finally, if you could use the above suggestions to turn that hundred dollars into five hundred dollars, you could look into what's called credit card churning. The thing is, even though it's not entirely passive, it's fairly easy and you could grow your money way faster than investing it with a nearly guaranteed return. In fact, I used to do this all the time and there's always options out there to take advantage of. So here's how it works. Both credit cards and banks will give you a bonus for opening up an account and meeting minimum requirements. Usually the bonus is anywhere between 50 and 200 and it typically takes anywhere between 15 and 25 minutes worth of work. Plus, websites like Nerd Wall and the Points Guy list on options on a weekly basis, so your choices are almost infinite. For example, the Capital One Saver Card has a zero dollar annual fee and gives you a 200 bonus when you spend five hundred dollars in the first three months just right there. As long as you follow the requirements, you could get a forty percent return on your money in less than 100 days. However, the trick to doing this is that you must not spend any additional money that you wouldn't have spent anyways, Otherwise, you're just wasting money. But assuming that you would ordinarily be spending five hundred dollars within three months on gas utilities, food, insurance, and everything else involved, then it's an easy way to make an extra 200. So overall, in the big picture, starting off with a hundred dollars is not a lot to end. It's not like you're going to be making money hand over fist beginning tomorrow, but it is enough to set up a good foundation from which you could build on to eventually make a lot more money, even for myself. I Started off with the Roth IRA buying index funds I then saved for years until I could buy my first rental property I continued buying even more index funds and then saving even more money to buy another rental property and then started a YouTube channel for fun that eventually turned into a side Hobby and I continued doing that until 14 years later where all of those passive income sources were able to cover all of my expenses day to day. Just take it one step at a time, use what you have currently available and think outside of the box. I Really believe that if you actually read those books and then started up a Creator assistance business, you would be able to turn a hundred dollars into potentially five thousand dollars a month? Yes, it's going to take a lot of time and a lot of work up front, but it's also going to be a hundred percent worth it. So with that said, you guys thank you so much for watching I Really appreciate it as always. Feel free to add me on Instagram And don't forget if you haven't already subscribed or hit the like button, it would mean the world to me. Thank you so much! And until next time.

By Stock Chat

where the coffee is hot and so is the chat

34 thoughts on “Passive income: how to invest $100 asap”
  1. Avataaar/Circle Created with python_avatars Brianna moore says:

    Most rich people stay rich by spending like the poor and investing without stopping then most poor people stay poor by spending like the rich yet not investing like the rich but impressing them

  2. Avataaar/Circle Created with python_avatars Marcis Vibergs says:

    what happened to the FTX plugs?

  3. Avataaar/Circle Created with python_avatars Harper Mia says:

    Amazing video and thank you for breaking it down!! Despite the economic downturn, I'm so happy 😊I have been earning $ 60,000 returns from my $7,000 investment every 12days.

  4. Avataaar/Circle Created with python_avatars S says:

    ps this is not official financial advice lmao

  5. Avataaar/Circle Created with python_avatars Thatguyujustmet says:

    My passive income comes from:

    High Yield Savings account
    A loan to a friend
    and APY from various accounts.

  6. Avataaar/Circle Created with python_avatars Joanna Watson says:

    The Graham Token should be a thing

  7. Avataaar/Circle Created with python_avatars DashDa5h says:


  8. Avataaar/Circle Created with python_avatars anna e says:

    Another clickbait video about obvious stuff. It has to be a special kind of talent to be able to talk about it for so long over and over again

  9. Avataaar/Circle Created with python_avatars Franco R. says:

    What's better indix funds or mutual funds

  10. Avataaar/Circle Created with python_avatars Joe Fer says:

    Real Economy business ideas. Buy things from thrift stores having a BLOWOUT CLEARANCE SALE, usually clothing that is in good condition, going for a buck or two. Flip at a flea market for double. Work your way up from that idea.

    Buy Low, Sell High. Be a merchant. Or be a manufacturer that resells your own conjuring – farming and crafting things is the manufacturing an end product. Think outside the digital box our generation is trapped in.

  11. Avataaar/Circle Created with python_avatars Scott Wible says:

    Legit have read most of those books and currently own a business and am wealthy. It’s real people. Read those books! It will change your life.

  12. Avataaar/Circle Created with python_avatars Nick Vassallo says:

    That’s on you, brotha

  13. Avataaar/Circle Created with python_avatars suh dude says:

    I'll deposit it to ftx and lose it all lolllll

  14. Avataaar/Circle Created with python_avatars Tiffany Delgadillo says:

    Thank you for sharing your wisdom 🙏

  15. Avataaar/Circle Created with python_avatars shortlaker says:

    Good to have you back Guys!! 🤣🤣🤣

  16. Avataaar/Circle Created with python_avatars sean gallagher says:

    I’m surprised investing with FTX wasn’t on the list…

  17. Avataaar/Circle Created with python_avatars andynguyen says:


  18. Avataaar/Circle Created with python_avatars Lucas Fischer says:

    Hey Graham, could you do a video talking about the best brokerages for European people. I don't know what your audience geographic is like so I don't know if it even makes sense to do this, but I would really love it!!

  19. Avataaar/Circle Created with python_avatars Shadow Haven says:


  20. Avataaar/Circle Created with python_avatars Martin Sithole says:

    I love your videos graham but this is the same thing again and again

  21. Avataaar/Circle Created with python_avatars Sakenu says:

    This guy is a fraudster who supported FTX and deleted videos where he did. Fake!

  22. Avataaar/Circle Created with python_avatars Adam Omar -آدم عمر says:

    these old "passive income , invest for the long term" are panic videos in my opinion.

  23. Avataaar/Circle Created with python_avatars Anthony Haga says:

    Pro tip! Buy the suggested books used! You can pick them up at a fraction of the price, and still get the information! Then it’s just as simple as investing the difference. Cheers

  24. Avataaar/Circle Created with python_avatars Doctor Foob says:

    So uh when you gonna talk abotu FTX dawg

  25. Avataaar/Circle Created with python_avatars Gen G says:

    💁🏻‍♀️The correct spelling is, RECEIVE.

  26. Avataaar/Circle Created with python_avatars V. M. says:

    I love Graham.

    I don't care if people are giving him a hard time about FTX. If you invest perform your own due diligence before parting with any money.

    In anycase, Graham has consistently been a fantastic finance Youtuber and I just wanted to say that.

    Love you buddy!

  27. Avataaar/Circle Created with python_avatars Samuel Strachan says:

    "Hey Dad, why are we sleeping outside?" "Well son, I took investing advice from Graham Stephen"

  28. Avataaar/Circle Created with python_avatars Crypto Black says:

    What happened to the China collapse in September? What happened to BlockFi and FTX. Anyone taking financial advice from these guys deserve to lose money.

  29. Avataaar/Circle Created with python_avatars Ana Laura Barth says:

    This guy doesn't care about anyone but himself lots of people lost so much money with FTX because of him. It's funny how he thinks he can just move on like nothing happened and not give a proper apology

  30. Avataaar/Circle Created with python_avatars Karla Sosa says:

    You have made the same video so many times already

  31. Avataaar/Circle Created with python_avatars TouchMeSama says:

    How to invest? Im pretty sure you advice people to invest in FTX and alot of people loss their money. You are a sellout. U say what u are paid
    To say you are not trustworthy anymore. Like this comment to the moon.

  32. Avataaar/Circle Created with python_avatars Jesse Sheets says:

    It's great to get back to the basics. Thank you for a passive income starter kit.

  33. Avataaar/Circle Created with python_avatars edwin bro says:

    I heard FTX is the best place for passive income

  34. Avataaar/Circle Created with python_avatars bd flavors says:

    I Hate Shorts…

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