6 Millionaire Habits I Wish I Knew At 20


These are my most honest, common sense lessons that everyone needs to learn at some point or another that will not only help make you more money, but also just become a better, more well rounded person – Enjoy! Add me on Instagram: GPStephan

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First – The WORST thing in your 20’s is living above your means.
From my perspective, if you want to set yourself up for the rest of your life, financially…your 20s are the absolute BEST time to live below your means, delay gratification, and save religiously. Not to mention, practically…no one expects you to live lavishly in your 20s, anyway. You can easily get away living with room mates, driving an old car, wearing sweatpants every day, and not eating out because MOST people do that in their 20’s, anyway. So embrace it – and lean into that stereotype because you can only get away with that for so long before it starts being less socially acceptable.

If you don’t have any credit whatsoever right now, just go and sign up for a discover it secured credit card with a $300 limit, put a few minor expenses on the card every few months, and pay it off in full. Seriously, building your credit is actually THAT easy. It’ll take you MAYBE 2 minutes PER MONTH to do this, and as long as you slowly add more no-annual fee credit cards into the mix every 6-8 months and pay your bill in full and on time, you can EASILY get a PERFECT credit in 2-3 years for $0 out of pocket.

Third – Don’t want for things to happen
Here’s what you need to know: Nothing will happen if you don’t take the initiative to MAKE IT HAPPEN. And this is a shame because NO ONE IS TAUGHT HOW TO GO AFTER THEIR OWN GOALS…ON THEIR OWN…WITHOUT BEING TOLD WHAT TO DO. If there’s something you want – it’s up to you to make it happen. If you have a goal, you’ll need to actively work towards it. There’s no deadline, there’s no homework, there’s no test…it’s just YOU, for better or for worse. You need to learn to hold yourself accountable for everything you do, and ONLY YOU will keep yourself on track.

Fourth – Don’t play it too safe and take some risk
business, moving careers, because every new experience will come with knowledge you can use in the future. Not to mention, getting in the habit of putting yourself in uncomfortable situations NOW is going to make it SO MUCH EASIER to continue doing that in the future – and those are where your BEST opportunities usually are.

Fifth: No one has any idea what they’re doing
So, just take comfort knowing that you’re not alone if you’re still figuring things out, or if you’re disappointed you don’t feel like you have it all figured out – that feeling probably won’t go away, but once that you know everyone feels that way and it’s NORMAL – it gets easier.

Sixth: Don’t worry about things that haven’t happened yet
Instead – in your 20s – spend your time thinking about the MOST LIKELY SCENARIO, and think about how you work TOWARDS something – not how can you work AWAY from something. Mental energy is something that goes a LONG way – and if you’re wasting your time stressing about things that don’t matter, that’s less time that you can focus on what DOES matter and what WILL actually get you ahead.

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. HUSKY
    July 18, 2021 at 1:57 am

    Jesus loves you

  2. Matt Batzel
    July 18, 2021 at 1:57 am

    If you don’t like the video after him asking that nicely shame on you.

    July 18, 2021 at 1:57 am

    Me 16 watching lmao I want to make a million dollars before 21

  4. Roy Wayne Silva
    July 18, 2021 at 1:57 am

    Smashed it like always, Graham. I’m 28 and make 80k a year in sales but thinking about going back to college for an engineering degree. Decisions.

  5. Jordan kerr
    July 18, 2021 at 1:57 am

    Only liked because of the way you went about asking us to 👍🏼

  6. Playas Guide
    July 18, 2021 at 1:57 am

    Graham were do you invest $1 and it compounds to $20 over 40 years?

  7. Paul Steven
    July 18, 2021 at 1:57 am

    Nice strategy i must say. I didn't earn as much as this video claim but i earn about 3250usd every week and i don't do that using video

  8. Anastasia East
    July 18, 2021 at 1:57 am

    I’m so grateful people like you are willing to share this sort of information. Great video. Thankyou so much!

  9. Darnell Taylor-Breck
    July 18, 2021 at 1:57 am

    None of these videos give any real knowledge people don’t already know. Like why don’t you just loan me 50 grand and I’ll pay you back when I buy a shorty house and fix it up to sell?

  10. Suresh Aswar
    July 18, 2021 at 1:57 am

    totally worth watching the entire video…thank u for such valuable content…!

    July 18, 2021 at 1:57 am

    All I’m gonna say is I’m a 6 figure nigga at 18 and decepline and taking risk is 90%

  12. Mike Chu
    July 18, 2021 at 1:57 am

    Agreed, high school seniors should be required to take some sort of finance class

  13. Cole Calling
    July 18, 2021 at 1:57 am

    What a video. Wow!

  14. Sgt Stinkyfeet
    July 18, 2021 at 1:57 am

    Great video except the part about credit cards.

  15. Bellah Snow
    July 18, 2021 at 1:57 am

    Thank you so much

  16. David Kinsaul
    July 18, 2021 at 1:57 am

    Thinking of how I was in my 20's, if I had access to this information, I probably wouldn't have listened to it. In hindsight, I now know this is all great advice. Thank you for sharing!

  17. SoowieSide
    July 18, 2021 at 1:57 am

    lean towards that stereotype lmao… no thanks bud

  18. Isra SG
    July 18, 2021 at 1:57 am

    Excelente, maravilloso!!

  19. Jason GL
    July 18, 2021 at 1:57 am

    Sooooooo, watching this at 30 is a kick in the nuts

  20. TrulyAlexus
    July 18, 2021 at 1:57 am

    I needed this!

  21. It's complicated Being a wizard
    July 18, 2021 at 1:57 am

    Borrowing money for anything outside of a personal house is not smart. You “buy” rental properties with credit?! Goodness. Best of luck on that

  22. ivanflores1253
    July 18, 2021 at 1:57 am

    Easy to say when you have a YouTube channel with 3.27 million subscribers getting paid good by YouTube.

  23. Anton Smith
    July 18, 2021 at 1:57 am

    Tell me your a douche while lying to the world.

  24. Shom Kittling
    July 18, 2021 at 1:57 am

    Great info

  25. Aaron Hall
    July 18, 2021 at 1:57 am

    This is easily the most constructive youtube channel out there.. your only competition is the scientific education channels like Smarter every day and veritasium. Thanks for the content

  26. Alpha Kings
    July 18, 2021 at 1:57 am

    I love You man! Keep it up! You are the best! You made me money!

  27. Burt Garwood
    July 18, 2021 at 1:57 am

    Gave you a like for numbers 5&6. I resonate with that. Thanks.

  28. BaltiqVlog
    July 18, 2021 at 1:57 am

    On point advice 🔥💯

  29. Akshay Deosthale
    July 18, 2021 at 1:57 am

    How does “take risks” and “save up” gel together?

  30. SicksRayne
    July 18, 2021 at 1:57 am

    Dude this is awesome; I’m 26 now and kinda had my awakening in the past year, your tips are super appreciated!

  31. Rfrfrf Y
    July 18, 2021 at 1:57 am

    You talked too much and fast. I got headache. And instead of attitude you can only get the tips briefly

  32. OG Olly
    July 18, 2021 at 1:57 am

    There are many videos like this, then I thought: wait i’m 20 lol. I really don’t regret listenning, great tips thanks!

  33. BP
    July 18, 2021 at 1:57 am

    Why does a 20 year old NEED to know how to be a millionaire? lol.. people need to learn to actually work for their money rather than try to strike it rich being "influencers" and famous for pointless things.

  34. Gabriel Pepe
    July 18, 2021 at 1:57 am

    “Self motivated” big ole lesson can’t depend on others point blank be your own cheerleader

  35. Smifnwessn
    July 18, 2021 at 1:57 am

    Young ones…just make sure you don’t live above your means, but definitely get as many lines of credit as you can

  36. Michael D
    July 18, 2021 at 1:57 am

    4:15 Where does this stat come from? Because they clearly don't take into account the actual spending power of the U.S. dollar, and how that value will be exponentially less by the age of 60(obviously dependant on futures wars)