How To Retire by 30 Years Old | Starting with $0


Here is your step by step guide to learning how to retire by 30 years old – Enjoy! Sign up to Morning Brew for free today: Thanks! Add me on Instagram: GPStephanAdd me on Instagram: GPStephan

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First thing to know: The FIRE Movement
This stands for Financially Independent Retired Early, and it’s a community of people who dive into the analytics of EXACTLY what you’ll need to be able to retire at any age.

All you need to know for retirement comes down to a few things:
How much money do you NEED to spend every year, how much do you CURRENTLY have saved, and lastly – how much money do you currently make? If you know the answers to those 3, it’s going to tell you EVERYTHING you need to know to be able to retire by 30.

To start, how much money you SPEND is going to be the most important variable of this entire calculation.
Generally speaking, if you’re under 30 years old and you want your your money to last you INDEFINITELY without ever running out – you’ll need to only spend 3% of what you have invested, each year.

Now, how much you spend is going to GREATLY influence how much you’ll need to retire…because, for every $100 per month the spend, you’ll need $40,000 invested in order for that $100 per month to last you forever.

Whatever that amount is…divide that by 33, and that’s how much income your investments will be able to replace. From there, you’ll need to do the super easy math to figure out how much more you’ll need in order to retire…all you need to do is take how much money you spend every year, multiply it by 33…and however much that is, is how much money you’ll need before you can call yourself “Retired.”

This is based on what’s known as the Trinity Study, which analyzed the investment portfolios of stocks and bonds throughout every year in history, and calculated how much you could spend from your investment throughout a 30 year retirement – and that study found that you can spend 4% of your portfolio every year, and still have that money last you 30 years.

However, a 30 year retirement isn’t going to be long enough if you plan to start that retirement at 30 years old…so, in order to preserve more capital so you can retire for a longer period of time…a 3% withdrawal rate was recommended.

And finally – the last factor in the equation – how much money do you currently make?
This is going to determine how long it’s going to take you to hit your target retirement number, and whether or not you’ll have to earn more money to get there sooner.

The Blogger MrMoneyMustache did the calculation for us, and found out how many years you’ll need to work in order to retire compared to how much money you save. Using the 4% rule, he determined that – if you save and invest 70-90% of your income, you would be able to effectively retire within 10 years of working.

Practically, if you want to do this by 30 years old – you’ll either have to MAKE A LOT OF MONEY, or you’ll need to SPEND VERY LITTLE MONEY – but, assuming you guys just want to make a whole bunch of money as fast as possible to be able to retire, I’ll give you the honest run down on MAKING AS MUCH AS POSSIBLE:

Your BEST SHOT at being able to retire by 30, and make a LOT of money, is to work a job that pays you based on YOUR RESULTS, not how much TIME you put in. And at the end of the day – if you want to make a LOT of money just to be able to retire quickly – de-couple the idea that the more time you work, the more money you make – because that’s very much NOT true, at all.

For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at

*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.



Robert Dunfee


  1. Longview3K
    July 19, 2021 at 5:04 am

    Wait, average income is 61k? Good lord I've been at 20k-25k for about 10years now

  2. James McCreary
    July 19, 2021 at 5:04 am

    Hard work and knowledge only take you so far. Opportunity and circumstance play a far bigger role in success than people care to admit. Keep your character and integrity, that’s all that really matters anyway.

  3. 115 Stig
    July 19, 2021 at 5:04 am

    I’m actually going to implement this advice..I’ll comment back in 12 years. Currently 17 now!

  4. Annette
    July 19, 2021 at 5:04 am

    Where do you put your savings to earn the most out of it over 10 -15 years ?

  5. Mrs. Buttersworth
    July 19, 2021 at 5:04 am

    lmao…you caught me zoning out lol

  6. Anthony winshell
    July 19, 2021 at 5:04 am

    I was at a retirement seminar and the speaker spoke on how he quit his job after he made well over $477k profit within a months he invested $90k. I just began investing and i will really appreciate any tips or helpful guide

  7. Ethan Altamirano
    July 19, 2021 at 5:04 am

    great video

  8. JoeMoji
    July 19, 2021 at 5:04 am

    Looks like i need 1.5 to retire. Lets get going joe..

  9. Jeff Lewis Tennis
    July 19, 2021 at 5:04 am

    Okay. Hypothetical situation. I’m 40. How could someone like me retire by 30? Thank you!

  10. Mac McGrady
    July 19, 2021 at 5:04 am

    I love da clickbate truths

  11. The Golden Jackel
    July 19, 2021 at 5:04 am

    Title should be "how to retire for 30 yrs old then go back to work when you are old"

  12. Quinton Hamp
    July 19, 2021 at 5:04 am

    My Kid: "Is this the guy who talks about the doge coin?"

  13. Kappalotti
    July 19, 2021 at 5:04 am

    Seems like a video for kids who’s parents set them up pretty nicely to begin with.

  14. Fozzwah
    July 19, 2021 at 5:04 am

    You've made a lot of videos, Graham. This is the only one I've taken screen shots of and rewound a few times. As a self employed person I'm picking up what you're laying down. Time and energy management is critical. I have not mastered these but I have a time clock in my studio. I hope you and your channel keep on, despite the recent troubles!

  15. Brian Avitia
    July 19, 2021 at 5:04 am

    I just need to make 10k a month bro tbh

  16. Nero Archangel
    July 19, 2021 at 5:04 am

    These videos only apply to muricans lol. 61 000$ annually ahahahahha… People living in other countries having 250$ -500$ monthly salary so yeah, let's do the math. If you make 500$ a month x12 months that's 6000$ then you need 10 years to make that annual money muricans make. If you're making 250$ per month you need 20 years. That's without paying taxes, food, rent, bills, or if you have children. Next time just put a "SPOILER ONLY APPLIES TO MURICANS".

  17. Lan Di
    July 19, 2021 at 5:04 am

    Best Channel on Youtube.

  18. goddessanime
    July 19, 2021 at 5:04 am

    Different Living frugally with parents I don't know what my expenses will be on my own doing the laundry, cooking, etc. When my dad was alive he made us eat out every week, in expensive restaurants and we had to pay what we eat. Barista fire seems nice. Currently don't want a promotion just a raise but the company is pushing the people for that

  19. DarkWitcher RPG
    July 19, 2021 at 5:04 am

    I was laughing at how much he was repeating to smash the like button… Then I realized I have already smashed it :v

  20. Marius B
    July 19, 2021 at 5:04 am

    Sees this video.

    Goes to coinmarketcap, picks a lotteryticket.

  21. Hugo Bustamante
    July 19, 2021 at 5:04 am

    How to retire by 30, ste one be 20 yo

  22. Maxik Kesa
    July 19, 2021 at 5:04 am

    It Takes Courage To Be Successful😂

  23. pzg2008
    July 19, 2021 at 5:04 am

    every $100/MO spent = $4,000 invested.

  24. law
    July 19, 2021 at 5:04 am

    "buy tesla call options/buy cryto.." really funny how that would have been it lol

  25. Christopher Cox
    July 19, 2021 at 5:04 am

    It doesn’t work…. I’m 31 no matter what I’m not retiring by 30 sad