10 Things I Stopped Buying | Financial Minimalism


These are the 10 things I stopped buying – at the end of the day, it’s all about getting the most value for your time and money as possible – and, sometimes, it’s the smallest differences that can add up to the biggest savings – Enjoy! Add me on Instagram: GPStephan

LIMITED TIME: Get 2 FREE STOCKS ON WEBULL when you deposit $100 (Valued up to $1400):



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: $100 OFF WITH CODE 100OFF

My ENTIRE Camera and Recording Equipment:

When everything was required to shut down, I had to get creative…so, I bought a professional hair buzzer on amazon for about $70, and my girlfriend started cutting my hair.
*Im not responsible for bad haircuts

For the last 6 months – I’ve cut out all junk food altogether since I’ve been working entirely from home. Not to mention, on top of that…when you dig a little deeper, you’ll find that the AVERAGE AMERICAN spends $1200 PER YEAR on Fast Food alone. It’s EVEN been proven that fast food can actually be MORE EXPENSIVE than eating at home, so the notion that “Fast food is cheaper” is absolutely false.

When gyms shut down, I had to find an alternative…so, I bought a bench and adjustable weights, and after watching some YouTube videos on home workouts…that nearly replaced my entire gym. I also supplemented that with 2 miles of cardio 5x week.

Americans are OVER PAYING for their car insurance by nearly 37 BILLION DOLLARS PER YEAR.. So, if you want to save money nearly INSTANTANEOUSLY, right after this video is done – go and shop around your car insurance, and REALLY evaluate how much you ACTUALLY drive.–study-193807.aspx

I just bought an electric scooter to take anywhere nearby. In Los Angeles, it’s estimated that the average driver spends 85 HOURS per year JUST looking for parking…at the average salary, that’s $1735 of your time just WASTED as you sit there, hunting a spot to park.

The average adult spends $161 per month on clothing…and, lets be real…I’m sure most of the time we buy something new, it gets worn a few times, and then it sits in the closets for months or years just collecting dust.

Typically, in the past, I set it as my yearly goal to buy ONE property that I could then rent out…but this year, that never happened. I spent the beginning of this year searching NONSTOP for a deal, but I could find ANYTHING that made sense here in Los Angeles that didn’t require a SUBSTANTIAL amount of work. When I began to evaluate how much time it was going to take me to find the right deal, versus my return expanding my own business…right now, it just makes more financial sense to continue expanding my personal brand, creating better content for you, and beginning to diversify into other endeavors.

Instead of going to the store and buying mint, basil, rosemary, passionfruit, lemons, and strawberries…we’ve just been growing out own.

Just like the fast food budget, the average TECH budget is the same: $100 PER MONTH buying the latest gadgets. So my recommendation, and what I’ve always followed, is just to purchase the last years phone model,…keep it 2 years…and then upgrade to something new, IF you need to.

The one thing that’s constantly surprised me is that – Ramsey doesn’t play with cat toys. No matter what he gets, he’ll ignore it…and then just play with the box.

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. Iceteai
    July 15, 2021 at 1:30 am

    how to safe money?
    Just buy a house …

  2. Jordan CeCe
    July 15, 2021 at 1:30 am

    man says "over spending" on insurance. oke cool tell me how lemonade works out for you when you end up in an accident with someone insured at Travelers or Safeco or MetLife…

  3. bascoaful
    July 15, 2021 at 1:30 am

    i literally go to my mom for my Hair, i sit in the Bathroom and she does the snip snip,

  4. Ronald Schmal
    July 15, 2021 at 1:30 am

    Bar soap lasts longer, and is just as good as body wash, and it's generally cheaper. Buzz your head and you no longer need shampoo, or color your hair to hide the gray.

  5. Ed West
    July 15, 2021 at 1:30 am

    Buy houses out East Graham.

  6. Mariale Chiribao
    July 15, 2021 at 1:30 am

    but where do you leave your scooters parked safely in LA?

  7. Malicious MusicYT
    July 15, 2021 at 1:30 am

    Graham, I too started copping the home chop at the start of the pandemic. My girlfriend cuts my hair in the exact fashion you support. I’m starting to think women spawn with this haircut already programmed.

    She killed it. Good job “Graham’s girlfriend”.

  8. Andrew Ponczocha
    July 15, 2021 at 1:30 am

    Buy a lint roller with all your savings

  9. Andrew Ponczocha
    July 15, 2021 at 1:30 am

    Cutting your own hair is not an option if you get a fade lmao.

  10. kyle patterson
    July 15, 2021 at 1:30 am

    Shoulda named the cat Dave

  11. Chelsea
    July 15, 2021 at 1:30 am

    You can’t over spend on insurance if you don’t have one

  12. Jason De Leon
    July 15, 2021 at 1:30 am

    I saved my car insurance by switching to geico

  13. 20BEC002 Amit Kumar Mishra
    July 15, 2021 at 1:30 am

    Already done no.1 tip

  14. chaztity0
    July 15, 2021 at 1:30 am

    your cat is so cute

  15. Ronnie Morseau
    July 15, 2021 at 1:30 am

    I can agree with all but the haircuts. I’m a barber so a little biased lol

  16. Franklin Stewart
    July 15, 2021 at 1:30 am

    Graham: Shop around to get a better insurance rate
    Me: *cries in BC*

  17. John Melcher
    July 15, 2021 at 1:30 am

    I can't smash your Like button anymore. Your constant is great, but it's interrupted 6-8 times by offensive ads, many for scam financial services.

  18. Andrew Dixon
    July 15, 2021 at 1:30 am

    this financial stuff is very bad haircut based…guys with beards, Girlfriends need their hair done and nails, its such a nice thing to treat yourself too lol

  19. Jose_1Cray
    July 15, 2021 at 1:30 am

    I have been cutting my hair since the age of 10. It's been the most cost saving way to go.

  20. Residential & Commercial Real Estate Solutions
    July 15, 2021 at 1:30 am

    I hear you buddy! Saving the time and money with going to the barbershop has saved me alot per month.

  21. Amanda Thomas
    July 15, 2021 at 1:30 am

    I signed up for Yotta using your link and I love it! Someone just won a TESLA!! They really make it fun to save 🤑🙌😍

  22. audreys247
    July 15, 2021 at 1:30 am

    Replace cat toys with kid toys and you get the same effect. Kids love playing with large cardboard boxes. Not so much the toy that was in the box.

  23. Krane
    July 15, 2021 at 1:30 am

    Like anything gardening is only easy if its something you enjoy. When you enjoy doing something you don't see it as work. Giving up the gym membership is a hard no, unless you have the space and can afford to create a full home gym.

    Even then, you still don't get the environment that's necessary to keep you working at your best. Although you did mention discipline which most people don't have. Working out isn't just physical, its also psychological too. That's the motivation you get form seeing others improving that inspire you. You feel like giving up until you see some man in his 60s out lifting the most of the guys in the gym. I would agree with fining a cheaper gym.

    As for the clothes? Hmm, that depends. Giving up the designer clothing is a no-brainer. But even a man needs to keep his shoes in pristine condition if nothing else.

    One more thing, I couldn't help but notice there was no mention of the long-term plans. After all, you can spend your life being frugal and saving a lot of money to become a billionaire, just to end up too old and feeble to really enjoy it.

  24. Kacey Kace
    July 15, 2021 at 1:30 am

    Hair cut was the last of these things I cut out. Now I can't figure out how I justified paying $30 a month for a 00000 buzz cut.

  25. Happy Sunshine
    July 15, 2021 at 1:30 am

    I didn’t know the history behind the Ramsey name. 😅

  26. Franco Solis
    July 15, 2021 at 1:30 am

    Are you pokimane's boyfriend?

  27. Good Morning Corgi Bailey
    July 15, 2021 at 1:30 am

    George Clooney cuts his own hair!

  28. John Hagan
    July 15, 2021 at 1:30 am

    Graham, your thumbnails always make me LOL.

  29. EcnalKcin
    July 15, 2021 at 1:30 am

    2:30 wait, people think eating fast food is cheaper than cooking?

  30. EX0stasis
    July 15, 2021 at 1:30 am

    I don't know if I could give up haircuts. I have a weird dent in the back of my head naturally that is difficult to get the hair to look smooth looking whether I'm looking up or down. I also have a slightly receding hairline that my barber does a fantastic job at making my hairline look good. I used to cut my own hair in the mirror, and it worked, but after I picked a single barber and stuck with them, they've learned to cut my hair better and better every time, and it has really boosted my self-confidence.

  31. John Seymour
    July 15, 2021 at 1:30 am

    You could argue that you could be the reason for bad haircuts.

  32. SilentVinyl
    July 15, 2021 at 1:30 am


  33. Ejim J
    July 15, 2021 at 1:30 am

    90 minutes to drive there…park…

    Bruh…you added the parking in your time.

    "You know it takes me 90 minutes to drive there, take off my seat belt, then I have to open the door. Then close the door, then…."

  34. Silent Lighthouse
    July 15, 2021 at 1:30 am

    How can I find someone like Graham?

  35. Serena Ciavaglioli
    July 15, 2021 at 1:30 am

    Your smile is so cute and contagious 🙂

  36. Thomas iPad
    July 15, 2021 at 1:30 am

    I use my trusty iPhone 6s. Not only to save money, but mostly because it still features a headphone jack and Touch-Id. I HATE that they removed the jack and I simply will NEVER EVER use a device with Face Id.

  37. Thomas iPad
    July 15, 2021 at 1:30 am

    "Americans"? What shall that be? You probably mean people from the USA? Now, that's not "The Americans" 😂😂😂 Ask all the other countries in south and north america.

  38. Devin Nault
    July 15, 2021 at 1:30 am

    I love how cheap some rich people are lmao. Dude has a 13M $ portfolio but doesn't want to pay for parking or haircuts.

  39. EmptyLanternMedia
    July 15, 2021 at 1:30 am

    Ive been cutting my own hair for four years it has saved me hundreds of dollars

  40. Just Another Random Disney Fanatic
    July 15, 2021 at 1:30 am

    I upgrade phone every 3-4 yrs and get the new one

  41. Just Another Random Disney Fanatic
    July 15, 2021 at 1:30 am

    Goodwill, thread up, and discount store are great for clothes.

  42. Ashley Petralia
    July 15, 2021 at 1:30 am

    Paying for the gym is not worth it if you're just going for basic exercise. When the shutdown happened, I realized that I'd rather exercise out in nature and be surrounded by trees, waterfalls, and lakes than be inside a gym all day… so you get the benefit of being in a pleasant outdoor setting too while saving money

  43. Pyrrhus Invictus
    July 15, 2021 at 1:30 am

    Gets a speeding ticket
    Graham: "well, I guess I don't have to eat this month."