how to build wealth in your 20s Archives

How To Make $2500 Per DAY Dog Sitting!

April 24, 2025 by Jass

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What EVERYONE Needs To Do With Their Money (ASAP)

April 8, 2025 by Jass

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PREVIOUS MARKET DROPS:

Year 1907: -50% Drop
This was a time when the stock market dropped 50% after the 1906 San Fransisco Earthquake, when heavy insurance payouts caused people to withdraw their gold from the banks. Afterwards, the market surged 193% in the next 4 years.

Year 1929: -83% Drop
Back then, the issue was that banks were lending out money so loosely, that nearly anyone could go and borrow money to invest with, with the expectation that – everything just keeps going up. However, once the stock market showed even the slightest glimpse of vulnerability, people began selling and pulling their money out from banks for fear that they would go out of business. That led to the stock market dropping 83% over 2.8 years, with a nearly 25% unemployment rate. In fact, the market didn’t fully recover for nearly 20 years – at which point, the economy enjoyed almost 14 years of consistent economic growth, averaging a gain of over 815% during that timeframe.

Year 1945: -22% Drop In 6 Months
This occurred as Veterans re-entered the work force and began competing for a limited supply of jobs – afterwards, we saw a 15 year long increase in the stock market, with prices rising over 935%.

Year 1974: -42% Drop
This occurred when President Nixon removed us from The Gold Standard, which linked the value of our dollar to the value of gold. However, this led to runaway inflation, the Federal Reserve raised rates to prevent prices from skyrocketing out of control, and that inadvertently caused prices of nearly everything to drop. But like clockwork – the markets continued climbing over the following 13 years, with an average gain of 845%.

Year 1987: 22% Drop In One Day
This is known as Black Monday of 1987 – although that was short lived, and not too much later, the markets rebounded and continued a climb of over 800% over the next 13 years.

Year 2001: -40-80% Decline During ‘The Dotcom Bubble’
This was caused by a frenzy of speculation for internet related companies that eventually popped. Yet, despite this – the market still rebounded, and we saw over 5 years of almost 110% growth.

Year 2009: The Great Recession – 50% Drop
This resulted in a 50% market drop across several years, although prices later surged during ‘The Greatest Bull Market In History.’

Year 2020: The Illness Crash – 30% Drop
This resulted in a 30% market drop, although the Federal Reserve stepped in, printed a LOT of money, and prices rose another 125% over the next few years.

Year 2025: The Trump Tariff – 20%?

Even though it’s easy to think that “Events like this are completely unique and unexpected” – the reality is, they happen more often than you’d expect. Throughout the last 80 years, there is SOMETHING that consistently happens which causes a stock market sell off. But, overtime – eventually – it recovers, and we continue moving on as normal.

So far, tried and true method, throughout the entire history of the stock market, that has proven successful – is just to BUY AND HOLD for a period of 20-30 years.

If you own stocks, and you intend to hold them for the next few decades – then, why would it matter if the prices drop 30%? RICHES ARE MADE IN RECESSIONS. We shouldn’t try to time these recessions by any means – but, if prices do happen to drop, it’s an opportunity. We shouldn’t panic, we shouldn’t be concerned, we should continue buying as normal and just see this as “I’m getting this on sale, I’m saving money.”

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It Started: How To Get Rich In The 2025 Market Reversal

February 3, 2025 by Jass

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TARIFFS:
The U.S. just implemented tariffs on imports from Canada and China, with Mexico having just avoided tariffs for 30 days. The goal is to protect domestic manufacturing and reduce issues across the boarder for increaed security. However, while these tariffs could help American businesses compete, they may also lead to higher costs for consumers – not to mention, retaliation from Canada. This has caused the market to begin selling off.

STOCK MARKET:
When it comes to investing, over 20 years – only 40 days are responsible for whether or not you make – or lose money. On top of that, the best-performing days come right after the worst performing days. This is why “Investors consistently bought assets that were overvalued and sold assets that were undervalued” – and why it’s so important to stay the course, long term. Ultimately, the biggest problem is that most investors lack patience and discipline, making decisions based on short-term fear and hype rather than long-term consistency.

HOUSING:
Despite elevated mortgage rates, home prices continue to rise due to persistently low housing supply. Limited inventory, coupled with strong demand, has kept prices elevated even as affordability worsens. Many potential buyers remain priced out of the market, especially first-time homebuyers facing steep competition and higher borrowing costs. While some analysts predict that a potential decline in interest rates later this year could provide relief, others caution that without significant increases in housing construction, affordability challenges will persist.

CRYPTO:
Bitcoin has seen renewed interest, with institutional investors increasingly entering the space. The recent approval of Bitcoin ETFs has added legitimacy to the asset class, drawing in traditional investors who were previously hesitant. The SEC also overturned the previous ruling, now allowing banks to custody digital assets without calling it a liability. Even though it’s too early to tell how this will play out, long term – it’s absolutely optimistic for the entire cryptocurrency market – and, my guess is that more established banks will begin to embrace it.

There have also been rumors about the United States creating a “national digital asset stockpile” for Bitcoin – but in terms of whether or not this will pan out – so far, the executive order is rather vague, stating that they will “evaluate the potential creation and maintenance of a national digital asset stockpile.. potentially derived from cryptocurrencies lawfully seized by the Federal Government through its law enforcement efforts.”

That’s why my entire investing blueprint is really simple:

One: I’m setting aside an amount I’m prepared to invest every month – and, I stick with it.
Two: This is diversified across 75% US equities, 15% international equities, and 10% Bitcoin ETF.
Three: I don’t intend on selling these for the next 20-30 years.
Four: I’m holding onto ALL of my real estate investments and making upgrades, as necessary.

Five: Repeat no matter what.

That’s it. It’s super simple, it’s not complicated, and historically – this has shown to yield the highest returns. Enjoy! If you’re reading this, let me know in the comments! 🙂

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America is Financially Screwed (How To Save Yourself)

December 2, 2024 by Jass

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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.

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Chase Bank Glitch: How To Get “Infinite Money” (DON’T DO THIS)

September 3, 2024 by Jass

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How To Get A PERFECT Credit Score (For FREE)

July 24, 2024 by Jass

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Get free life insurance quotes from America’s top insurers and start saving today with Policygenius: | Thanks to Policygenius for sponsoring this video! Here is exactly how I was able to get a credit score of 847 and how you can best use credit cards to improve / fix your score – Enjoy! Add me on Instagram: GPStephan

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HOW YOUR CREDIT SCORE IS CALCULATED:

-35%: On-time Payment History
This means that you always pay your debts and credit cards on time, as agreed – without ever missing or being late on a payment.

-30%: Utilization Rate
This calculates how much credit you have available, versus how much of that you’re actually using. The less you use, the better.

-15%: Average Age Of Credit
Overall, lenders see that the longer you’ve had your accounts open for, and in good standing – the better the chances are that you will be a responsible, experienced borrower.

-10%: Types Of Credit
This means that lenders want you to have experience handling MULTIPLE types of loans, just to prove to them that you know how to handle different aspects of debt.

-10%: Number Of Credit Inquires
The more hard inquiries you have – the lower your score will be because lenders are worried that you’re out there actively trying to seek new loans and credit.

HOW I GOT AN 847 CREDIT SCORE:
No Late Payments – Ever. Credit was opened in 2012.
0-1% Credit Utilization Across Credit Cards
Average Age Of My Credit: 12.6 Years Old (Newest Account Over One Year)
Credit Mix: 8 Revolving Accounts out of 13. 6 Have been paid off, in full. 5 Mortgages, all paid on time. Large variety of past auto loans and other debts that have been successfully paid off.

HOW YOU CAN DO SOMETHING SIMILAR:

FIRST – Apply for a No Annual Fee Credit Card
The reason behind this is that – the longer your credit cards stay active – the longer your credit history remains open – and the more established your average account age will be.

SECOND – Always Pay Off Your Balances – IN FULL – By The Time They’re Due!
Never carry a balance on a credit card, and never spend money that you weren’t planning to spend, anyway. All it takes to build credit is a few small purchases that get paid off in full.

THIRD – Open ANOTHER no annual fee credit card after 6-12 months
The more credit you have, the lower your overall utilization, the more positive tradelines are reported…and, the higher your score will be.

FOURTH – after 12 months, you can apply for “rewards cards” like the American Express Gold.
Even though this one isn’t necessary for a good credit score, certain cards can be used in such a way that they not only pay for themselves – but, you can also turn a profit.

FIFTH – Continue adding “new” lines of credit over time.
Again, this one isn’t “required” to have a higher score, but it does help (OVER TIME) if you have a mortgage, auto loan, lease, or other payment plan.

And SIXTH – Once you’ve followed the above – Just Wait.
This is the part where patience goes a long way – and, once you get your score above 780 – you can pretty much get the lowest rates anywhere you go.

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How To Invest In 2024 (The BEST Way To Get Rich)

May 22, 2024 by Jass

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BUILDING WEALTH IN 2024:

-Optimize for Cash
Start by tracking all of your expenses and income over the next 60 days using software like RocketMoney, YouNeedABudget, EveryDollar, MonarchMoney, or even your own excel spreadsheet – and then, log every single penny that goes into and out of your account. There has never been a better time in the last 20 years to earn money on your money, since High Yield Savings Accounts are almost ALL paying over 4% APY.

-Pay Down High-Interest Debt
The average American now owes more than $22,000 – Credit Cards, Car Loans, and Personal Loans make up almost ALL of this – and, at today’s interest rates, this could EASILY be costing you thousands of dollars per year. In terms of the HOW to pay down debt as fast as possible – you have two ways:

The first is called “The Avalanche Method,” and mathematically – this is the perfect way to pay down debt. This is because you’ll begin paying down the highest interest-rate debt, first, that’s costing you the most money – and then, once that’s fully paid off – you’ll pay down the next highest interest-rate – and the next – and the next – until eventually, it’s all paid off.

The second method takes on a more psychological approach, and that’s called “The Snowball Method.” This works by paying off the smallest balance first, regardless of the interest rate, and then paying off the next smallest balance. The reason this works is because you’ll get the “win’ of paying off a debt, in its entirety – and by seeing results, faster, it’ll be easier to stick with it long term.

-Creating a Roth IRA
This is an account that you contribute up to $7000 per year into – and then – by the time you’re 59.5, you can pull out all of your profit, completely tax-free. Not to mention, the ideal time to start and contribute to this account is when you’re young and not earning a lot of money, since – one: You’re probably already in a low tax bracket, so you have more after-tax income to invest, and two: You’ll have decades to allow compound interest to grow your money into something significant.

-Choosing Your Investments
First: Diversify.
You NEED to spread out your money across different companies, sectors, and areas so that if something happens to one – you’ll have others to fall back on.

Second: Don’t Try To Beat The Market.
Even though it’s tempting to want to utilize alternative investments, pick individual stocks, and create your own portfolio to get higher returns – the reality is: almost everyone fails.

Third: Research Index Funds.
A few years ago, Warren Buffett famously said that this is the single best investment for the vast majority of people. Index Funds cover a wide variety of stocks and industries, they’re well diversified, and – they’re really cheap to own.

Fourth: Assuming you can follow the above – Dollar Cost Average and Do Nothing.

Overall, if you want to build massive wealth – long term – all of it starts with the boring basics: Optimizing your savings, reducing high-interest debt, investing in tax-advantaged accounts, diversifying your investments, setting realistic expectations, and then – sticking with it consistently for decades.

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How To Save $10,000 FAST

May 15, 2023 by Jass

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Here is exactly how you can save $10,000 – Fast – using these simple strategies to begin cutting back, saving more, and investing more – Enjoy! Add me on Instagram: GPStephan | GET MORE INFORMATION HERE:

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HOW TO SAVE $10,000 FAST:

1. Break Down The Timeframe
There’s a problem if you tell yourself: “I just want to save $10,000 as fast as possible” – in that case, the deadline is INDEFINITE – so, it helps to have a REALISTIC timeline of when you want to accomplish your goal.

2. Start Right Now
You have the MOST momentum when you’re initially excited about the idea of trying something new; within about a day, that excitement wears off and you’re stuck with the reality that your entire life has been one giant procrastination. So start immediately!

3. Create A Budget
All of you need to do is make a free account with a money-tracking platform where they aggregate all of your accounts and credit cards into one interface. From there, you can see exactly how much money is going in – and OUT – every single day, in real-time.

4. Reduce Spending
You’ll quickly begin to see that there’s a LOT of discretionary income you don’t need to spend, at all. Find out what those items are, and learn new ways to cut back or save the difference.

5. Pay Yourself First
With this, you’ll AUTOMATICALLY “pay yourself” a certain amount of money, right off the top, and then you’re free to spend whatever is left. Doing this ensures that you’ll always have money left over each month.

6. Here are practical ways you can cut back:

Housing: Perhaps you’d be able to rent out a bedroom. Maybe you’d be able to ask your landlord for a reduction in rent – or, look into moving to a less expensive area when your lease is up. If you own a home, look into shopping around for home insurance, make sure to adjust the thermostat to save money when you don’t need it, reduce water usage, you have a TON of ways to reduce costs here, and – by implementing a few of these…you should be able to AT LEAST save an extra $10 per day.

Transportation: Most cars hit their “peak depreciation” around year 6-7 – so, use that to your advantage, because then you’ll be able to recoup as much value as possible throughout your ownership.

Taxes: It’s more important than ever to make sure that you have, at least, a BASIC UNDERSTANDING of how the tax system works so that you can fully utilize every single resource that’s designed to help you keep more money.

Food: STOP ALL LAZY SPENDING. Don’t order Starbucks when you can just as easily make it at home. Don’t Postmates meals when you have food available in the refrigerator. By doing this, EVEN if you’re able to save just an extra $3 per day – it really begins to add up.

Debt Repayment: It’s said that the AVERAGE American has $5700 worth of credit card debt at an average of a 24% interest rate – which means, that’s $114 wasted – each and every month – that you aren’t paying off your bill, in full.

Apparel: Americans are spending, on average, $133 per month on clothing. If that’s accurate, stop shopping, or cut down your clothing budget by HALF.

7. Get a Side Hustle
If you’re not willing to cut back on your spending, and you don’t want to save pennies while eating beans and rice every night – the fact is, you gotta make more money…and the fastest way to do that is by working more hours.

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*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 receives cash compensation from Public for sponsored advertising materials. 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 Public.com/disclosures/