Graham Stephan   [wcj_product_average_rating]

  Personal Finance Enthusiast / Real Estate Investor 3.4 Million Subscribers on YouTube

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Get free life insurance quotes from America's top insurers and start saving today with Policygenius: https://policygenius.com/graham Thanks to Policygenius for sponsoring this video! | Let's talk about the Federal Reserve Rate Cut and what this means for 2025 - Enjoy! Add me on Instagram: GPStephan GET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: http://grahamstephan.com/newsletter INFLATION: On December 11th, overall inflation across all items rose by 2.7%, year over year. In terms of where inflation is most persistent, Food at home increased by 1.6%, food away from home (like restaurants), is up 3.6%, Motor Vehicle insurance is up 13%, Health Insurance is up 6%, and Energy is Down by 3.2%. On top of that, it’s estimated that “Shelter, which has about a one-third weighting in the CPI calculation, accounted for about 40% of the total increase in November" and, in this case ”the shelter index rose 4.7% on a 12-month basis.” STOCK MARKET: If we go all the way back to the 1920s, there have only been 9 times where we’ve seen more than a 30% return in a year - and, with the exception of the Great Depression - there usually follows more positive returns in the years that follow. However, Warren Buffet is taking a more cautious approach while he sells massive positions and sits on his largest cash-pile of all time, at $325 billion dollars. On top of that, one economist was quoted as saying that “The stock market is in a 'mania' that will push it higher before a potential 26% drop in 2025.” HOUSING MARKET: Despite mortgage rates being their highest in 20 years - home prices have continue to grow, with the average home rising 5.9% since December of last year. In terms of which markets are seeing the biggest increase, Detroit Michigan saw a 15% gain year-over-year - followed by Chicago at 13.5%, Newark at 11%, and Cleveland at 10% - with the hardest hit being Austin and San Antonio, Texas - having fallen 3-4.5% over the last 12 months. MY THOUGHTS: In terms of the stock market, I think it’s important to keep in mind that - even though stocks are expensive - relatively speaking, based on history - honestly, no one has any clue what’s going to happen in the future. I’m still just dollar cost averaging, and I’m not deterred whatsoever by all time highs. The YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: https://the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: https://www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB For business inquiries, you can reach me at grahamstephanbusiness@gmail.com *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.
Take your personal data back with Incogni! Use code GRAHAM at the link below and get 60% off an annual plan: https://incogni.com/graham | Let's talk about the Donald Trump Tariff Plan and how this could affect the economy in 2025 - Enjoy! Add me on Instagram: GPStephan GET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: http://grahamstephan.com/newsletter WHAT IS A TARIFF: A tariff is essentially an extra "tax" imposed when importing goods from one country to another, designed to make foreign products more expensive and encourage consumers to buy locally, which benefits the domestic economy. However, it's important to note that this 'tax' is paid by the person or company importing the products - not by the country that makes the product. So, if Apple imports from China - Apple is responsible for paying the tariff - not China. BENEFITS OF TARIFFS: -They protect US Companies from Foreign Competition. -Increased Job Growth. -Higher Government Revenue. -Favorable Trade Negotiations. DOWNSIDES OF TARIFFS: -Higher Prices For Everyone -Retaliation From Other Countries -A Decline In Economic Growth -Less Competition Could Lead to Less Innovation TARIFFS IN 2025: On November 25th, it was announced that Trump would enact an executive order to create “an additional 10% tariff on Chinese imports, as well as an additional 25 percent tariff on Mexico and Canada.” These tariffs would continue until China, Mexico, and Canada addressed the movement of 'bad things' and undocumented people across the US border - and, the impact could be pretty significant. After all, in response to these announcements, “Canada and Mexico said that they would retaliate with tariffs on U.S. products if tariffs on their U.S. exports were imposed” - and, as you would expect, China reflected the same sentiment, shortly after. Mexico’s president even said that “neither threats nor tariffs will solve the issue of migration or consumption of bad things." (I made this PG for YouTube). IMPACTS: If history is any indication, Trump can move forward with tariffs using rather specific law, they wouldn’t be the “economic boom” that some people think it would be, and instead, it’s said that “The measures proposed could hit a number of strategic US industrial sectors hard, add approximately $272 billion a year to tax burdens, raise goods prices, lift interest rates, and sap strength in an already-vulnerable household sector.” To make matters worse, in terms of existing tariffs: In 2022, they generated $80 BILLION DOLLARS for the US Government - which, was just 2% of all tax revenue - enough to keep the government running for just 15 days. This pretty much suggests that it would be IMPOSSIBLE to fund the US government with tariffs alone, and this is purely ‘wishly thinking’ with no chance of actually becoming a reality. WHY TARIFFS NEXT YEAR? The reality probably lies somewhere in the fact that the upcoming administration believes that our reliance on China is seen as a bad thing, both economically and politically - and, he could threaten tariffs as a way to negotiate a more favorable trade deal for the United States. The YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: https://creatoracademy.lpages.co/ - $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: https://www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB For business inquiries, you can reach me at grahamstephanbusiness@gmail.com *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.
Try Rocket Money for free: https://RocketMoney.com/graham/ - Enjoy! | Let's talk about the social security deficit, why benefits could be cut by 2033, and what this realistically means for everyone watching - Enjoy! Add me on Instagram: GPStephan GET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: http://grahamstephan.com/newsletter THE SOCIAL SECURITY CRISIS: Social Security is funded through payroll tax, at a total rate of 12.4% - and as you get older, you draw from a Social Security Fund to pay through retirement / supplement your income. However, it’s said that, without any changes - “the social security fund is slated to be drained by 2033, which would result in an automatic 21% cut to beneficiaries' monthly checks, regardless of marital or income status.” To make matters worse, it’s reported that “Older people are expected to outnumber children for the first time in U.S. history by 2034. There will be fewer workers to support each retiree in the future as a result.” Essentially, we don’t have enough workers paying into social security to fund the full benefits of the baby boomers, which theoretically means that everyone else gets less. THE ISSUE: If nothing is done, we could see one of the following: -One: Social Security Benefits will be reduced by the time all of us retire (most likely to the tune of 21-25%) -Two: They Increase The Retirement Age So That They Can Pay Out Less Money (for example, instead of taking social security payments at 67 years old, perhaps it’s only available for those who are over the age of 72) -Three: The Government Increases Taxes To Pay For Higher Expenses. THE SOLUTION: I hate to say it, but - REALISTICALLY - in order to keep Social Security fully funded, that’s most likely going to mean higher taxes in the near future, AND /OR a delayed retirement age so that fewer people can draw on those reserves. At the end of the day, though: NO, I don’t think Social Security is going anyway anytime soon - and, if I’m giving my own prediction - I’d say you should be prepared to eventually pay higher taxes while they raise the retirement age another few years. Again, all of this should serve as a reminder that - even though the government is there - you will go MUCH FURTHER by saving and investing on your own, living below your means - and, no matter what - hitting the like button and subscribing if you haven’t done that already. The YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: https://the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: https://www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB For business inquiries, you can reach me at grahamstephanbusiness@gmail.com *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.
Huge Secret Restaurants Don't Tell You! Featuring @StevenHe on @TheIcedCoffeeHour Podcast.

 

Married couple Medwin Culmer and Preyanka Clark Prakash entered the Den with their eco-friendly body and skincare company, the couple are seeking £70,000 for a 20% equity stake in Bloomtown, but will the Dragons be able to see past the current branding? Season 16, Episode 15. An international sensation, Dragon's Den features entrepreneurs pitching for investment in the Den from our Dragons, five venture capitalists willing to invest their own money in exchange for equity. #DragonsDen #BusinessPitch #deborahmeaden
Dhruvin Patel and Asad Hamir are seeking £75,000 for 5% equity in their company Ocushield. Season 18, Episode 13. An international sensation, Dragon's Den features entrepreneurs pitching for investment in the Den from our Dragons, five venture capitalists willing to invest their own money in exchange for equity. #DragonsDen #BusinessPitch #ocusheild
The Dragons know business inside and out, but their strong personalities sometimes clash in the Den. In this compilation, we revisit three pitches where entrepreneurs stood their ground and fought with the Dragons. #DragonsDen #BusinessPitch #Rejected Let’s check in on the top 3 Dragons’ Den rejections where fiery clashes couldn’t stop their journey to success! 01:38 - The big O 12:16 - Relax Kids 21:01 - Orikaso An international sensation, Dragon's Den features entrepreneurs pitching for investment in the Den from our Dragons, five venture capitalists willing to invest their own money in exchange for equity. #DragonsDen #BusinessPitch #x
Andy Murray is looking for a £50,000 investment in exchange for a 15% equity in ‘The Drinks Bakery'. With three separate offers, how will Andy Murray decide? Season 16, Episode 9. An international sensation, Dragon's Den features entrepreneurs pitching for investment in the Den from our Dragons, five venture capitalists willing to invest their own money in exchange for equity. #DragonsDen #BusinessPitch #x

 

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Chad Putin
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Graham Stephan used to be one of my favourite Channel, but honestly the click-baity titles and miniatures will end up hurting the longevity and growth of his channel. ( Not now, but a few years down the road, as his follower base gets older and more mature, they will eventually move on to something else ) . At this point its hard to want to… Read more »

Last edited 2 years ago by Chad Putin
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Donny Brockmeier
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Unmoderated piece of shit.
Frankly, the dude goes around explaining how he’s a millennial millionaire, but he can’t even afford proper moderation on his comment section. What the actual fuck ?
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Chad Putin

It’s gotten better recently, but I agree that at some point it was ridiculous.
Then again, maybe YouTube did the job and started cracking down on these african bots.

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Donny Brockmeier

Totally unnecessary remark

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