{"id":4469,"date":"2023-02-14T16:25:00","date_gmt":"2023-02-14T16:25:00","guid":{"rendered":"https:\/\/moneymade.wpenginepowered.com\/?p=4469"},"modified":"2025-06-03T18:05:23","modified_gmt":"2025-06-03T18:05:23","slug":"graham-stephan-net-worth","status":"publish","type":"post","link":"https:\/\/moneymade.io\/learn\/articles\/graham-stephan-net-worth\/","title":{"rendered":"Rich Dudes\u2502How Graham Stephan Made His Millions From Real Estate to YouTube"},"content":{"rendered":"\n<p><strong><em>From earning $20 an hour to commanding million dollar deals in real estate, Graham Stephan is a true rags-to-riches success story.<\/em><\/strong><\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:10%\"><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:80%\">\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/Money_Made_Rich_Dudes_Graham_MO_a1b69b1d1c-1024x683.png\" alt=\"\" class=\"wp-image-4473\" srcset=\"https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/Money_Made_Rich_Dudes_Graham_MO_a1b69b1d1c-1024x683.png 1024w, https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/Money_Made_Rich_Dudes_Graham_MO_a1b69b1d1c-300x200.png 300w, https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/Money_Made_Rich_Dudes_Graham_MO_a1b69b1d1c-768x512.png 768w, https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/Money_Made_Rich_Dudes_Graham_MO_a1b69b1d1c-386x257.png 386w, https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/Money_Made_Rich_Dudes_Graham_MO_a1b69b1d1c-255x170.png 255w, https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/Money_Made_Rich_Dudes_Graham_MO_a1b69b1d1c.png 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:10%\"><\/div>\n<\/div>\n\n\n\n<p>At 32, Graham has made a name for himself as an American businessman, entrepreneur, successful real estate agent, investor, and host of some of the most popular finance YouTube channels.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>By September 2022, he was making more than $6 million a year from his YouTube channels.<\/p>\n<\/blockquote>\n\n\n\n<p>From selling his first multi-million dollar property at 26 to growing a $125 million real estate empire, Graham&#8217;s wild success is all thanks to his fearless attitude towards real estate investing, hunting for potential money-making opportunities, and taking calculated risks.<\/p>\n\n\n\n<h2 id='graham-stephans-net-worth-at-a-glance' class=\"wp-block-heading\" id=\"h-graham-stephan-s-net-worth-at-a-glance\"><strong>Graham Stephan&#8217;s net worth at a glance<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Net worth<\/strong><\/td><td><strong>$22 million<\/strong><\/td><\/tr><tr><td><strong>Born<\/strong><\/td><td>April&nbsp;21,&nbsp;1990<\/td><\/tr><tr><td><strong>Nationality<\/strong><\/td><td>American born in Santa&nbsp;Monica,&nbsp;California<\/td><\/tr><tr><td><strong>Became a millionaire<\/strong><\/td><td>26&nbsp;years<\/td><\/tr><tr><td><strong>Occupations<\/strong><\/td><td>YouTuber, real estate agent, investor<\/td><\/tr><tr><td><strong>Sources of wealth<\/strong><\/td><td>YouTube, online courses, affiliate sponsorships, real estate commissions, rental Income<\/td><\/tr><tr><td><strong>Asset classes<\/strong><\/td><td>Real estate, stocks, crypto, angel investments, exotic cars<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:25%\"><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"500\" src=\"https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/Money_Made_Graham_Infographic_MO_c8d9aa5cd5-1024x500.png\" alt=\"\" class=\"wp-image-4474\" srcset=\"https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/Money_Made_Graham_Infographic_MO_c8d9aa5cd5-1024x500.png 1024w, https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/Money_Made_Graham_Infographic_MO_c8d9aa5cd5-300x146.png 300w, https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/Money_Made_Graham_Infographic_MO_c8d9aa5cd5-768x375.png 768w, https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/Money_Made_Graham_Infographic_MO_c8d9aa5cd5-1536x750.png 1536w, https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/Money_Made_Graham_Infographic_MO_c8d9aa5cd5-431x210.png 431w, https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/Money_Made_Graham_Infographic_MO_c8d9aa5cd5-286x140.png 286w, https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/Money_Made_Graham_Infographic_MO_c8d9aa5cd5.png 1710w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:25%\"><\/div>\n<\/div>\n\n\n\n<h2 id='how-graham-stephan-made-his-money' class=\"wp-block-heading\" id=\"h-how-graham-stephan-made-his-money\">How Graham Stephan made his money<\/h2>\n\n\n\n<p>Born April&nbsp;21,&nbsp;1990, in Santa&nbsp;Monica, California, Graham grew up valuing hard work and frugality.<\/p>\n\n\n\n<p>At 13, Graham Stephan got his first job at a marine aquarium, making around $20 an hour. When he got rejected from Pepperdine University, 18-year-old Graham skipped college and got his real estate license. The first property he sold was a Beverly Hills estate worth $3.6 million\u2014and the rest is history.<\/p>\n\n\n\n<p>He quickly went from college reject to selling multi-million dollar properties, raking in cash at every turn. He pocketed hundreds of thousands in commissions and continued to grow his wealth by investing in stocks, mutual funds, and real estate. By the time he reached 26, he was already a self-made millionaire.<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:25%\"><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<figure class=\"wp-block-embed is-type-rich is-provider-twitter wp-block-embed-twitter\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"twitter-tweet\" data-width=\"500\" data-dnt=\"true\"><p lang=\"en\" dir=\"ltr\">But what you CAN do with spare cash is something called &quot;House Hacking&quot;. <br><br>Save 20% of the downpayment and buy a duplex house. <br><br>Rent out the top floor &#8211; The rent pays for your mortgage and you own the house after a while.<br><br>If you&#39;ve got a taste for this, just rinse and repeat!<\/p>&mdash; Graham Stephan (@GrahamStephan) <a href=\"https:\/\/twitter.com\/GrahamStephan\/status\/1572610377543831552?ref_src=twsrc%5Etfw\">September 21, 2022<\/a><\/blockquote><script async src=\"https:\/\/platform.twitter.com\/widgets.js\" charset=\"utf-8\"><\/script>\n<\/div><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:25%\"><\/div>\n<\/div>\n\n\n\n<p>In 2019, right before the pandemic started, Graham made over $253,000 from his YouTube channel. In 2021, he branched out into various other income streams, such as sponsorship agreements, public speaking engagements, and partnerships with various companies. And by November of that year, Graham Stephan\u2019s net worth reached approximately $22 million. Talk about starting off with a bang.<\/p>\n\n\n\n<p>By September 2022, his Graham Stephan channel and The Iced Coffee Hour channel on YouTube were making more than $6 million in annual revenue.<\/p>\n\n\n\n<p>His videos cover real estate, personal finance, self-improvement, and saving money. He also has additional sources of income, including endorsements for the Graham Stephan Show and Iced Coffee Hour podcast, public speaking engagements, and partnerships.<\/p>\n\n\n\n<h2 id='how-graham-stephan-invests' class=\"wp-block-heading\" id=\"h-how-graham-stephan-invests\">How Graham Stephan invests<\/h2>\n\n\n\n<p>Graham has amassed millions by investing according to two core principles: diversification and opportunity cost. His current asset allocation is 35% equities, 35% real estate, 22% treasuries, 4% alternative assets, 3% in bitcoin and Ethereum, and 1% in other assets. To further diversify, he also invests small amounts in exotic cars and follows a buy-and-hold strategy to reduce the impact of market volatility.<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:25%\"><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<figure class=\"wp-block-embed is-type-rich is-provider-twitter wp-block-embed-twitter\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"twitter-tweet\" data-width=\"500\" data-dnt=\"true\"><p lang=\"en\" dir=\"ltr\">One limitation of the index fund is that most of them have a minimum investment of $3K. <br><br>You can overcome this by buying the corresponding ETF<a href=\"https:\/\/twitter.com\/search?q=%24VTSAX&amp;src=ctag&amp;ref_src=twsrc%5Etfw\">$VTSAX<\/a> =&gt; <a href=\"https:\/\/twitter.com\/search?q=%24VTI&amp;src=ctag&amp;ref_src=twsrc%5Etfw\">$VTI<\/a><a href=\"https:\/\/twitter.com\/search?q=%24VFIAX&amp;src=ctag&amp;ref_src=twsrc%5Etfw\">$VFIAX<\/a> =&gt; <a href=\"https:\/\/twitter.com\/search?q=%24VOO&amp;src=ctag&amp;ref_src=twsrc%5Etfw\">$VOO<\/a><a href=\"https:\/\/twitter.com\/search?q=%24VTIAX&amp;src=ctag&amp;ref_src=twsrc%5Etfw\">$VTIAX<\/a> =&gt; <a href=\"https:\/\/twitter.com\/search?q=%24VXUS&amp;src=ctag&amp;ref_src=twsrc%5Etfw\">$VXUS<\/a><a href=\"https:\/\/twitter.com\/search?q=%24VIGAX&amp;src=ctag&amp;ref_src=twsrc%5Etfw\">$VIGAX<\/a> =&gt; <a href=\"https:\/\/twitter.com\/search?q=%24VUG&amp;src=ctag&amp;ref_src=twsrc%5Etfw\">$VUG<\/a><a href=\"https:\/\/twitter.com\/search?q=%24VTWAX&amp;src=ctag&amp;ref_src=twsrc%5Etfw\">$VTWAX<\/a> =&gt; <a href=\"https:\/\/twitter.com\/search?q=%24VT&amp;src=ctag&amp;ref_src=twsrc%5Etfw\">$VT<\/a><\/p>&mdash; Graham Stephan (@GrahamStephan) <a href=\"https:\/\/twitter.com\/GrahamStephan\/status\/1600493393431478273?ref_src=twsrc%5Etfw\">December 7, 2022<\/a><\/blockquote><script async src=\"https:\/\/platform.twitter.com\/widgets.js\" charset=\"utf-8\"><\/script>\n<\/div><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:25%\"><\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-real-estate\"><strong>Real Estate<\/strong><\/h3>\n\n\n\n<p>Graham Stephan invests primarily in real estate, and he hit the ground running at his first job. After working hard and working a lot, he invested before taking a risk on his first single property. Now he owns six rental properties in Los Angeles and San&nbsp;Bernardino County, earning over $8,500 in income each month.<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:25%\"><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" title=\"INSIDE MY *FINISHED* CUSTOM BUILT LAS VEGAS HOME TOUR!\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/o5uhZG5hrfE?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:25%\"><\/div>\n<\/div>\n\n\n\n<p>The real estate business has attracted the gamut of investors in recent years\u2014even amid pandemic-related difficulties\u2014with property prices rising 2.6% globally in 2020 and rental incomes staying stable.<\/p>\n\n\n\n<p>Commercial real estate investments have proven to be resilient, too. Looking ahead to 2023, there\u2019s optimism, robust fundamentals, and an increased focus on growth in markets like Phoenix, Dallas, Atlanta, and Tampa.<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:25%\"><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"506\" src=\"https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/Mone_Made_Rich_Dudes_Fun_Fact_Graham_MO_b6544efa4a-1024x506.png\" alt=\"\" class=\"wp-image-4475\" srcset=\"https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/Mone_Made_Rich_Dudes_Fun_Fact_Graham_MO_b6544efa4a-1024x506.png 1024w, https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/Mone_Made_Rich_Dudes_Fun_Fact_Graham_MO_b6544efa4a-300x148.png 300w, https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/Mone_Made_Rich_Dudes_Fun_Fact_Graham_MO_b6544efa4a-768x380.png 768w, https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/Mone_Made_Rich_Dudes_Fun_Fact_Graham_MO_b6544efa4a.png 1710w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:25%\"><\/div>\n<\/div>\n\n\n\n<p>Though higher interest rates have pushed borrowing costs up and asset prices down, Moody&#8217;s Analytics data shows one-third of commercial mortgage-backed securities are in negative leverage.<\/p>\n\n\n\n<p>But there&#8217;s a silver lining\u2014alternative lenders account for 32% of loan closures, meaning investors can still find viable investments. If inflation drops, the commercial real estate industry will likely see a new growth cycle, with demand for single-family, multi-family, and built-to-rent properties keeping strong.<\/p>\n\n\n\n<p>Investors looking to take advantage of these opportunities should stay informed on market trends and identify the best opportunities for growth in the real estate world. So talk to a real estate agent and see what\u2019s on the market, or invest in fractional real estate to save up for that down payment.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-stocks-treasuries-and-equities\"><strong>Stocks, treasuries and equities<\/strong><\/h3>\n\n\n\n<p>Graham has a well-diversified $5.2 million stock portfolio, 80% of which are in the S&amp;P&nbsp;500 and 20% in international stocks. He also has $1.2 million invested in individual stocks, representing 19% of his total assets.<\/p>\n\n\n\n<p>Remarkably, research conducted by Graham Stephan has revealed that investing in stocks for more than a year is likely to be profitable 73% of the time, and 97% of the time after ten years.<\/p>\n\n\n\n<p>Stocks have seen some impressive gains over the past year\u2014almost 12% Stocks have averaged 9.59% in annual returns since the Great Depression, 10.32% since the Great Recession, and 16% since the 2020 pandemic.<\/p>\n\n\n\n<p>In other words, stocks are likely to be successful investments over the long term. Though investing today could mean facing short-term volatility, it&#8217;s still a smart&nbsp; choice if you\u2019re investing for retirement.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-crypto-nbsp\"><strong>Crypto&nbsp;<\/strong><\/h3>\n\n\n\n<p>By September&nbsp;2022, Graham had invested $450,000 in Bitcoin and Ethereum, accounting for 2% of his overall portfolio\u2014a 55% drop from 2021. The smoke hasn\u2019t settled from the recent crypto crash, and we may still the market drop even further. To protect your investments, move long-term funds to a secure cold storage system, spread investments across multiple platforms, and only invest what you\u2019re prepared to lose.<\/p>\n\n\n\n<p>Furthermore, look for regulatory frameworks for extra peace of mind. That\u2019s advice from Graham, who invests 3% of his earnings in blue-chip cryptos.<\/p>\n\n\n\n<p>In 2022, crypto nosedived $2 trillion and Bitcoin and Ethereum lost three-quarters of their value. This is why it&#8217;s best to diversify investments and not go all-in\u2014with the demise of crypto-focused firms demonstrating the innate risks of this asset class.<\/p>\n\n\n\n<p>Despite the challenges and losses, investors still view crypto as a viable hedge against inflation, with growing use cases in NFTs and digital asset trading. Institutional investors still remain bullish on crypto but are staying cautious around the burgeoning asset class.<\/p>\n\n\n\n<h2 id='graham-stephan-investing-quotes' class=\"wp-block-heading\" id=\"h-graham-stephan-investing-quotes\">Graham Stephan investing quotes<\/h2>\n\n\n\n<p>At eight figures, Graham Stephan\u2019s net worth is nothing to scoff at. Between being a real estate agent, running YouTube channels, and all the side hustles in between, investors may want to borrow a piece or two of Stephan\u2019s wisdom on investing money.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-1-nbsp-widen-your-net\">1.&nbsp;<strong>Widen your net<\/strong><\/h3>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:25%\"><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<figure class=\"wp-block-embed is-type-rich is-provider-twitter wp-block-embed-twitter\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"twitter-tweet\" data-width=\"500\" data-dnt=\"true\"><p lang=\"en\" dir=\"ltr\">The best form of self care is an emergency fund and multiple income streams.<\/p>&mdash; Graham Stephan (@GrahamStephan) <a href=\"https:\/\/twitter.com\/GrahamStephan\/status\/1611539490840928256?ref_src=twsrc%5Etfw\">January 7, 2023<\/a><\/blockquote><script async src=\"https:\/\/platform.twitter.com\/widgets.js\" charset=\"utf-8\"><\/script>\n<\/div><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:25%\"><\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-2-nbsp-be-frugal\">2.&nbsp;<strong>Be frugal<\/strong><\/h3>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:25%\"><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<figure class=\"wp-block-embed is-type-rich is-provider-twitter wp-block-embed-twitter\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"twitter-tweet\" data-width=\"500\" data-dnt=\"true\"><p lang=\"en\" dir=\"ltr\">No amount of income will fix broken spending habits. <a href=\"https:\/\/t.co\/B9vtNViZ6o\">pic.twitter.com\/B9vtNViZ6o<\/a><\/p>&mdash; Graham Stephan (@GrahamStephan) <a href=\"https:\/\/twitter.com\/GrahamStephan\/status\/1618491034614525954?ref_src=twsrc%5Etfw\">January 26, 2023<\/a><\/blockquote><script async src=\"https:\/\/platform.twitter.com\/widgets.js\" charset=\"utf-8\"><\/script>\n<\/div><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:25%\"><\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-3-nbsp-think-long-term\">3.&nbsp;<strong>Think long-term<\/strong><\/h3>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:25%\"><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<figure class=\"wp-block-embed is-type-rich is-provider-twitter wp-block-embed-twitter\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"twitter-tweet\" data-width=\"500\" data-dnt=\"true\"><p lang=\"en\" dir=\"ltr\">70% of the world&#39;s population will live in cities 3 decades from now.<br><br>If you&#39;re investing in real-estate, play the long game.<a href=\"https:\/\/t.co\/89sECWH8EZ\">https:\/\/t.co\/89sECWH8EZ<\/a><\/p>&mdash; Graham Stephan (@GrahamStephan) <a href=\"https:\/\/twitter.com\/GrahamStephan\/status\/1617558032723877890?ref_src=twsrc%5Etfw\">January 23, 2023<\/a><\/blockquote><script async src=\"https:\/\/platform.twitter.com\/widgets.js\" charset=\"utf-8\"><\/script>\n<\/div><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:25%\"><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>From earning $20 an hour to commanding million dollar deals in real estate, Graham Stephan is a true rags-to-riches success story. At 32, Graham has made a name for himself as an American businessman, entrepreneur, successful real estate agent, investor, and host of some of the most popular finance YouTube channels. By September 2022, he [&hellip;]<\/p>\n","protected":false},"author":11,"featured_media":4473,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":true,"footnotes":""},"categories":[3],"tags":[22,67,53,43],"post_authors":[90],"class_list":["post-4469","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-articles","tag-cryptocurrency","tag-net-worth","tag-real-estate","tag-stocks"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.1 (Yoast SEO v25.2) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Graham Stephan Net Worth \u2013 $22M Money Guru | MoneyMade<\/title>\n<meta name=\"description\" content=\"From earning $20 an hour to commanding million dollar deals in real estate, here\u2019s how Graham Stephan became worth $22M.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, 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story.<\/em><\/strong><\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/columns","attrs":[],"innerBlocks":[{"blockName":"core\/column","attrs":{"width":"10%"},"innerBlocks":[],"innerHTML":"\n<div class=\"wp-block-column\" style=\"flex-basis:10%\"><\/div>\n","innerContent":["\n<div class=\"wp-block-column\" style=\"flex-basis:10%\"><\/div>\n"]},{"blockName":"core\/column","attrs":{"width":"80%"},"innerBlocks":[{"blockName":"core\/image","attrs":{"id":4473,"sizeSlug":"large","linkDestination":"none"},"innerBlocks":[],"innerHTML":"\n<figure class=\"wp-block-image size-large\"><img src=\"https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/Money_Made_Rich_Dudes_Graham_MO_a1b69b1d1c-1024x683.png\" alt=\"\" class=\"wp-image-4473\"\/><\/figure>\n","innerContent":["\n<figure class=\"wp-block-image size-large\"><img 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entrepreneur, successful real estate agent, investor, and host of some of the most popular finance YouTube channels.<\/p>\n","innerContent":["\n<p>At 32, Graham has made a name for himself as an American businessman, entrepreneur, successful real estate agent, investor, and host of some of the most popular finance YouTube channels.<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/quote","attrs":[],"innerBlocks":[{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>By September 2022, he was making more than $6 million a year from his YouTube channels.<\/p>\n","innerContent":["\n<p>By September 2022, he was making more than $6 million a year from his YouTube channels.<\/p>\n"]}],"innerHTML":"\n<blockquote class=\"wp-block-quote\"><\/blockquote>\n","innerContent":["\n<blockquote class=\"wp-block-quote\">",null,"<\/blockquote>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>From selling his first multi-million dollar property at 26 to growing a $125 million real estate empire, Graham's wild success is all thanks to his fearless attitude towards real estate investing, hunting for potential money-making opportunities, and taking calculated risks.<\/p>\n","innerContent":["\n<p>From selling his first multi-million dollar property at 26 to growing a $125 million real estate empire, Graham's wild success is all thanks to his fearless attitude towards real estate investing, hunting for potential money-making opportunities, and taking calculated risks.<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/heading","attrs":[],"innerBlocks":[],"innerHTML":"\n<h2 class=\"wp-block-heading\" id=\"h-graham-stephan-s-net-worth-at-a-glance\"><strong>Graham Stephan's net worth at a glance<\/strong><\/h2>\n","innerContent":["\n<h2 class=\"wp-block-heading\" id=\"h-graham-stephan-s-net-worth-at-a-glance\"><strong>Graham Stephan's net worth at a glance<\/strong><\/h2>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/table","attrs":[],"innerBlocks":[],"innerHTML":"\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Net worth<\/strong><\/td><td><strong>$22 million<\/strong><\/td><\/tr><tr><td><strong>Born<\/strong><\/td><td>April&nbsp;21,&nbsp;1990<\/td><\/tr><tr><td><strong>Nationality<\/strong><\/td><td>American born in Santa&nbsp;Monica,&nbsp;California<\/td><\/tr><tr><td><strong>Became a millionaire<\/strong><\/td><td>26&nbsp;years<\/td><\/tr><tr><td><strong>Occupations<\/strong><\/td><td>YouTuber, real estate agent, investor<\/td><\/tr><tr><td><strong>Sources of wealth<\/strong><\/td><td>YouTube, online courses, affiliate sponsorships, real estate commissions, rental Income<\/td><\/tr><tr><td><strong>Asset classes<\/strong><\/td><td>Real estate, stocks, crypto, angel investments, exotic cars<\/td><\/tr><\/tbody><\/table><\/figure>\n","innerContent":["\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Net worth<\/strong><\/td><td><strong>$22 million<\/strong><\/td><\/tr><tr><td><strong>Born<\/strong><\/td><td>April&nbsp;21,&nbsp;1990<\/td><\/tr><tr><td><strong>Nationality<\/strong><\/td><td>American born in Santa&nbsp;Monica,&nbsp;California<\/td><\/tr><tr><td><strong>Became a millionaire<\/strong><\/td><td>26&nbsp;years<\/td><\/tr><tr><td><strong>Occupations<\/strong><\/td><td>YouTuber, real estate agent, investor<\/td><\/tr><tr><td><strong>Sources of wealth<\/strong><\/td><td>YouTube, online courses, affiliate sponsorships, real estate commissions, rental Income<\/td><\/tr><tr><td><strong>Asset classes<\/strong><\/td><td>Real estate, stocks, crypto, angel investments, exotic cars<\/td><\/tr><\/tbody><\/table><\/figure>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/columns","attrs":[],"innerBlocks":[{"blockName":"core\/column","attrs":{"width":"25%"},"innerBlocks":[],"innerHTML":"\n<div class=\"wp-block-column\" style=\"flex-basis:25%\"><\/div>\n","innerContent":["\n<div class=\"wp-block-column\" style=\"flex-basis:25%\"><\/div>\n"]},{"blockName":"core\/column","attrs":{"width":"50%"},"innerBlocks":[{"blockName":"core\/image","attrs":{"id":4474,"sizeSlug":"large","linkDestination":"none"},"innerBlocks":[],"innerHTML":"\n<figure class=\"wp-block-image size-large\"><img src=\"https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/Money_Made_Graham_Infographic_MO_c8d9aa5cd5-1024x500.png\" alt=\"\" class=\"wp-image-4474\"\/><\/figure>\n","innerContent":["\n<figure class=\"wp-block-image size-large\"><img src=\"https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/Money_Made_Graham_Infographic_MO_c8d9aa5cd5-1024x500.png\" alt=\"\" class=\"wp-image-4474\"\/><\/figure>\n"]}],"innerHTML":"\n<div class=\"wp-block-column\" style=\"flex-basis:50%\"><\/div>\n","innerContent":["\n<div class=\"wp-block-column\" style=\"flex-basis:50%\">",null,"<\/div>\n"]},{"blockName":"core\/column","attrs":{"width":"25%"},"innerBlocks":[],"innerHTML":"\n<div class=\"wp-block-column\" style=\"flex-basis:25%\"><\/div>\n","innerContent":["\n<div class=\"wp-block-column\" style=\"flex-basis:25%\"><\/div>\n"]}],"innerHTML":"\n<div class=\"wp-block-columns\">\n\n\n\n<\/div>\n","innerContent":["\n<div class=\"wp-block-columns\">",null,"\n\n",null,"\n\n",null,"<\/div>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/heading","attrs":[],"innerBlocks":[],"innerHTML":"\n<h2 class=\"wp-block-heading\" id=\"h-how-graham-stephan-made-his-money\">How Graham Stephan made his money<\/h2>\n","innerContent":["\n<h2 class=\"wp-block-heading\" id=\"h-how-graham-stephan-made-his-money\">How Graham Stephan made his money<\/h2>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>Born April&nbsp;21,&nbsp;1990, in Santa&nbsp;Monica, California, Graham grew up valuing hard work and frugality.<\/p>\n","innerContent":["\n<p>Born April&nbsp;21,&nbsp;1990, in Santa&nbsp;Monica, California, Graham grew up valuing hard work and frugality.<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>At 13, Graham Stephan got his first job at a marine aquarium, making around $20 an hour. When he got rejected from Pepperdine University, 18-year-old Graham skipped college and got his real estate license. The first property he sold was a Beverly Hills estate worth $3.6 million\u2014and the rest is history.<\/p>\n","innerContent":["\n<p>At 13, Graham Stephan got his first job at a marine aquarium, making around $20 an hour. When he got rejected from Pepperdine University, 18-year-old Graham skipped college and got his real estate license. The first property he sold was a Beverly Hills estate worth $3.6 million\u2014and the rest is history.<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>He quickly went from college reject to selling multi-million dollar properties, raking in cash at every turn. He pocketed hundreds of thousands in commissions and continued to grow his wealth by investing in stocks, mutual funds, and real estate. By the time he reached 26, he was already a self-made millionaire.<\/p>\n","innerContent":["\n<p>He quickly went from college reject to selling multi-million dollar properties, raking in cash at every turn. He pocketed hundreds of thousands in commissions and continued to grow his wealth by investing in stocks, mutual funds, and real estate. By the time he reached 26, he was already a self-made millionaire.<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/columns","attrs":[],"innerBlocks":[{"blockName":"core\/column","attrs":{"width":"25%"},"innerBlocks":[],"innerHTML":"\n<div class=\"wp-block-column\" style=\"flex-basis:25%\"><\/div>\n","innerContent":["\n<div class=\"wp-block-column\" style=\"flex-basis:25%\"><\/div>\n"]},{"blockName":"core\/column","attrs":{"width":"50%"},"innerBlocks":[{"blockName":"core\/embed","attrs":{"url":"https:\/\/twitter.com\/GrahamStephan\/status\/1572610377543831552?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E1572610379724759042%7Ctwgr%5E09dbaa7d086b2c655d39bc94582cee5b5067b176%7Ctwcon%5Es2_&ref_url=https%3A%2F%2Fmoneymade.io%2Flearn%2Farticle%2Fgraham-stephan-net-worth","type":"rich","providerNameSlug":"twitter","responsive":true},"innerBlocks":[],"innerHTML":"\n<figure class=\"wp-block-embed is-type-rich is-provider-twitter wp-block-embed-twitter\"><div class=\"wp-block-embed__wrapper\">\nhttps:\/\/twitter.com\/GrahamStephan\/status\/1572610377543831552?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E1572610379724759042%7Ctwgr%5E09dbaa7d086b2c655d39bc94582cee5b5067b176%7Ctwcon%5Es2_&amp;ref_url=https%3A%2F%2Fmoneymade.io%2Flearn%2Farticle%2Fgraham-stephan-net-worth\n<\/div><\/figure>\n","innerContent":["\n<figure class=\"wp-block-embed is-type-rich is-provider-twitter wp-block-embed-twitter\"><div class=\"wp-block-embed__wrapper\">\nhttps:\/\/twitter.com\/GrahamStephan\/status\/1572610377543831552?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E1572610379724759042%7Ctwgr%5E09dbaa7d086b2c655d39bc94582cee5b5067b176%7Ctwcon%5Es2_&amp;ref_url=https%3A%2F%2Fmoneymade.io%2Flearn%2Farticle%2Fgraham-stephan-net-worth\n<\/div><\/figure>\n"]}],"innerHTML":"\n<div class=\"wp-block-column\" style=\"flex-basis:50%\"><\/div>\n","innerContent":["\n<div class=\"wp-block-column\" style=\"flex-basis:50%\">",null,"<\/div>\n"]},{"blockName":"core\/column","attrs":{"width":"25%"},"innerBlocks":[],"innerHTML":"\n<div class=\"wp-block-column\" style=\"flex-basis:25%\"><\/div>\n","innerContent":["\n<div class=\"wp-block-column\" style=\"flex-basis:25%\"><\/div>\n"]}],"innerHTML":"\n<div class=\"wp-block-columns\">\n\n\n\n<\/div>\n","innerContent":["\n<div class=\"wp-block-columns\">",null,"\n\n",null,"\n\n",null,"<\/div>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>In 2019, right before the pandemic started, Graham made over $253,000 from his YouTube channel. In 2021, he branched out into various other income streams, such as sponsorship agreements, public speaking engagements, and partnerships with various companies. And by November of that year, Graham Stephan\u2019s net worth reached approximately $22 million. Talk about starting off with a bang.<\/p>\n","innerContent":["\n<p>In 2019, right before the pandemic started, Graham made over $253,000 from his YouTube channel. In 2021, he branched out into various other income streams, such as sponsorship agreements, public speaking engagements, and partnerships with various companies. And by November of that year, Graham Stephan\u2019s net worth reached approximately $22 million. Talk about starting off with a bang.<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>By September 2022, his Graham Stephan channel and The Iced Coffee Hour channel on YouTube were making more than $6 million in annual revenue.<\/p>\n","innerContent":["\n<p>By September 2022, his Graham Stephan channel and The Iced Coffee Hour channel on YouTube were making more than $6 million in annual revenue.<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>His videos cover real estate, personal finance, self-improvement, and saving money. He also has additional sources of income, including endorsements for the Graham Stephan Show and Iced Coffee Hour podcast, public speaking engagements, and partnerships.<\/p>\n","innerContent":["\n<p>His videos cover real estate, personal finance, self-improvement, and saving money. He also has additional sources of income, including endorsements for the Graham Stephan Show and Iced Coffee Hour podcast, public speaking engagements, and partnerships.<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/heading","attrs":[],"innerBlocks":[],"innerHTML":"\n<h2 class=\"wp-block-heading\" id=\"h-how-graham-stephan-invests\">How Graham Stephan invests<\/h2>\n","innerContent":["\n<h2 class=\"wp-block-heading\" id=\"h-how-graham-stephan-invests\">How Graham Stephan invests<\/h2>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>Graham has amassed millions by investing according to two core principles: diversification and opportunity cost. His current asset allocation is 35% equities, 35% real estate, 22% treasuries, 4% alternative assets, 3% in bitcoin and Ethereum, and 1% in other assets. To further diversify, he also invests small amounts in exotic cars and follows a buy-and-hold strategy to reduce the impact of market volatility.<\/p>\n","innerContent":["\n<p>Graham has amassed millions by investing according to two core principles: diversification and opportunity cost. His current asset allocation is 35% equities, 35% real estate, 22% treasuries, 4% alternative assets, 3% in bitcoin and Ethereum, and 1% in other assets. To further diversify, he also invests small amounts in exotic cars and follows a buy-and-hold strategy to reduce the impact of market volatility.<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/columns","attrs":[],"innerBlocks":[{"blockName":"core\/column","attrs":{"width":"25%"},"innerBlocks":[],"innerHTML":"\n<div class=\"wp-block-column\" style=\"flex-basis:25%\"><\/div>\n","innerContent":["\n<div class=\"wp-block-column\" style=\"flex-basis:25%\"><\/div>\n"]},{"blockName":"core\/column","attrs":{"width":"50%"},"innerBlocks":[{"blockName":"core\/embed","attrs":{"url":"https:\/\/twitter.com\/GrahamStephan\/status\/1600493393431478273?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E1600493395696394242%7Ctwgr%5E09dbaa7d086b2c655d39bc94582cee5b5067b176%7Ctwcon%5Es2_&ref_url=https%3A%2F%2Fmoneymade.io%2Flearn%2Farticle%2Fgraham-stephan-net-worth","type":"rich","providerNameSlug":"twitter","responsive":true},"innerBlocks":[],"innerHTML":"\n<figure class=\"wp-block-embed is-type-rich is-provider-twitter wp-block-embed-twitter\"><div class=\"wp-block-embed__wrapper\">\nhttps:\/\/twitter.com\/GrahamStephan\/status\/1600493393431478273?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E1600493395696394242%7Ctwgr%5E09dbaa7d086b2c655d39bc94582cee5b5067b176%7Ctwcon%5Es2_&amp;ref_url=https%3A%2F%2Fmoneymade.io%2Flearn%2Farticle%2Fgraham-stephan-net-worth\n<\/div><\/figure>\n","innerContent":["\n<figure class=\"wp-block-embed is-type-rich is-provider-twitter wp-block-embed-twitter\"><div class=\"wp-block-embed__wrapper\">\nhttps:\/\/twitter.com\/GrahamStephan\/status\/1600493393431478273?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E1600493395696394242%7Ctwgr%5E09dbaa7d086b2c655d39bc94582cee5b5067b176%7Ctwcon%5Es2_&amp;ref_url=https%3A%2F%2Fmoneymade.io%2Flearn%2Farticle%2Fgraham-stephan-net-worth\n<\/div><\/figure>\n"]}],"innerHTML":"\n<div class=\"wp-block-column\" style=\"flex-basis:50%\"><\/div>\n","innerContent":["\n<div class=\"wp-block-column\" style=\"flex-basis:50%\">",null,"<\/div>\n"]},{"blockName":"core\/column","attrs":{"width":"25%"},"innerBlocks":[],"innerHTML":"\n<div class=\"wp-block-column\" style=\"flex-basis:25%\"><\/div>\n","innerContent":["\n<div class=\"wp-block-column\" style=\"flex-basis:25%\"><\/div>\n"]}],"innerHTML":"\n<div class=\"wp-block-columns\">\n\n\n\n<\/div>\n","innerContent":["\n<div class=\"wp-block-columns\">",null,"\n\n",null,"\n\n",null,"<\/div>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/heading","attrs":{"level":3},"innerBlocks":[],"innerHTML":"\n<h3 class=\"wp-block-heading\" id=\"h-real-estate\"><strong>Real Estate<\/strong><\/h3>\n","innerContent":["\n<h3 class=\"wp-block-heading\" id=\"h-real-estate\"><strong>Real Estate<\/strong><\/h3>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>Graham Stephan invests primarily in real estate, and he hit the ground running at his first job. After working hard and working a lot, he invested before taking a risk on his first single property. Now he owns six rental properties in Los Angeles and San&nbsp;Bernardino County, earning over $8,500 in income each month.<\/p>\n","innerContent":["\n<p>Graham Stephan invests primarily in real estate, and he hit the ground running at his first job. After working hard and working a lot, he invested before taking a risk on his first single property. Now he owns six rental properties in Los Angeles and San&nbsp;Bernardino County, earning over $8,500 in income each month.<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/columns","attrs":[],"innerBlocks":[{"blockName":"core\/column","attrs":{"width":"25%"},"innerBlocks":[],"innerHTML":"\n<div class=\"wp-block-column\" style=\"flex-basis:25%\"><\/div>\n","innerContent":["\n<div class=\"wp-block-column\" style=\"flex-basis:25%\"><\/div>\n"]},{"blockName":"core\/column","attrs":{"width":"50%"},"innerBlocks":[{"blockName":"core\/embed","attrs":{"url":"https:\/\/youtu.be\/o5uhZG5hrfE","type":"video","providerNameSlug":"youtube","responsive":true,"className":"wp-embed-aspect-16-9 wp-has-aspect-ratio"},"innerBlocks":[],"innerHTML":"\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\nhttps:\/\/youtu.be\/o5uhZG5hrfE\n<\/div><\/figure>\n","innerContent":["\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\nhttps:\/\/youtu.be\/o5uhZG5hrfE\n<\/div><\/figure>\n"]}],"innerHTML":"\n<div class=\"wp-block-column\" style=\"flex-basis:50%\"><\/div>\n","innerContent":["\n<div class=\"wp-block-column\" style=\"flex-basis:50%\">",null,"<\/div>\n"]},{"blockName":"core\/column","attrs":{"width":"25%"},"innerBlocks":[],"innerHTML":"\n<div class=\"wp-block-column\" style=\"flex-basis:25%\"><\/div>\n","innerContent":["\n<div class=\"wp-block-column\" style=\"flex-basis:25%\"><\/div>\n"]}],"innerHTML":"\n<div class=\"wp-block-columns\">\n\n\n\n<\/div>\n","innerContent":["\n<div class=\"wp-block-columns\">",null,"\n\n",null,"\n\n",null,"<\/div>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>The real estate business has attracted the gamut of investors in recent years\u2014even amid pandemic-related difficulties\u2014with property prices rising 2.6% globally in 2020 and rental incomes staying stable.<\/p>\n","innerContent":["\n<p>The real estate business has attracted the gamut of investors in recent years\u2014even amid pandemic-related difficulties\u2014with property prices rising 2.6% globally in 2020 and rental incomes staying stable.<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>Commercial real estate investments have proven to be resilient, too. Looking ahead to 2023, there\u2019s optimism, robust fundamentals, and an increased focus on growth in markets like Phoenix, Dallas, Atlanta, and Tampa.<\/p>\n","innerContent":["\n<p>Commercial real estate investments have proven to be resilient, too. Looking ahead to 2023, there\u2019s optimism, robust fundamentals, and an increased focus on growth in markets like Phoenix, Dallas, Atlanta, and Tampa.<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/columns","attrs":[],"innerBlocks":[{"blockName":"core\/column","attrs":{"width":"25%"},"innerBlocks":[],"innerHTML":"\n<div class=\"wp-block-column\" style=\"flex-basis:25%\"><\/div>\n","innerContent":["\n<div class=\"wp-block-column\" style=\"flex-basis:25%\"><\/div>\n"]},{"blockName":"core\/column","attrs":{"width":"50%"},"innerBlocks":[{"blockName":"core\/image","attrs":{"id":4475,"sizeSlug":"large","linkDestination":"none"},"innerBlocks":[],"innerHTML":"\n<figure class=\"wp-block-image size-large\"><img src=\"https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/Mone_Made_Rich_Dudes_Fun_Fact_Graham_MO_b6544efa4a-1024x506.png\" alt=\"\" class=\"wp-image-4475\"\/><\/figure>\n","innerContent":["\n<figure class=\"wp-block-image size-large\"><img src=\"https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/Mone_Made_Rich_Dudes_Fun_Fact_Graham_MO_b6544efa4a-1024x506.png\" alt=\"\" class=\"wp-image-4475\"\/><\/figure>\n"]}],"innerHTML":"\n<div class=\"wp-block-column\" style=\"flex-basis:50%\"><\/div>\n","innerContent":["\n<div class=\"wp-block-column\" style=\"flex-basis:50%\">",null,"<\/div>\n"]},{"blockName":"core\/column","attrs":{"width":"25%"},"innerBlocks":[],"innerHTML":"\n<div class=\"wp-block-column\" style=\"flex-basis:25%\"><\/div>\n","innerContent":["\n<div class=\"wp-block-column\" style=\"flex-basis:25%\"><\/div>\n"]}],"innerHTML":"\n<div class=\"wp-block-columns\">\n\n\n\n<\/div>\n","innerContent":["\n<div class=\"wp-block-columns\">",null,"\n\n",null,"\n\n",null,"<\/div>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>Though higher interest rates have pushed borrowing costs up and asset prices down, Moody's Analytics data shows one-third of commercial mortgage-backed securities are in negative leverage.<\/p>\n","innerContent":["\n<p>Though higher interest rates have pushed borrowing costs up and asset prices down, Moody's Analytics data shows one-third of commercial mortgage-backed securities are in negative leverage.<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>But there's a silver lining\u2014alternative lenders account for 32% of loan closures, meaning investors can still find viable investments. If inflation drops, the commercial real estate industry will likely see a new growth cycle, with demand for single-family, multi-family, and built-to-rent properties keeping strong.<\/p>\n","innerContent":["\n<p>But there's a silver lining\u2014alternative lenders account for 32% of loan closures, meaning investors can still find viable investments. If inflation drops, the commercial real estate industry will likely see a new growth cycle, with demand for single-family, multi-family, and built-to-rent properties keeping strong.<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>Investors looking to take advantage of these opportunities should stay informed on market trends and identify the best opportunities for growth in the real estate world. So talk to a real estate agent and see what\u2019s on the market, or invest in fractional real estate to save up for that down payment.<\/p>\n","innerContent":["\n<p>Investors looking to take advantage of these opportunities should stay informed on market trends and identify the best opportunities for growth in the real estate world. So talk to a real estate agent and see what\u2019s on the market, or invest in fractional real estate to save up for that down payment.<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/heading","attrs":{"level":3},"innerBlocks":[],"innerHTML":"\n<h3 class=\"wp-block-heading\" id=\"h-stocks-treasuries-and-equities\"><strong>Stocks, treasuries and equities<\/strong><\/h3>\n","innerContent":["\n<h3 class=\"wp-block-heading\" id=\"h-stocks-treasuries-and-equities\"><strong>Stocks, treasuries and equities<\/strong><\/h3>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>Graham has a well-diversified $5.2 million stock portfolio, 80% of which are in the S&amp;P&nbsp;500 and 20% in international stocks. He also has $1.2 million invested in individual stocks, representing 19% of his total assets.<\/p>\n","innerContent":["\n<p>Graham has a well-diversified $5.2 million stock portfolio, 80% of which are in the S&amp;P&nbsp;500 and 20% in international stocks. He also has $1.2 million invested in individual stocks, representing 19% of his total assets.<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>Remarkably, research conducted by Graham Stephan has revealed that investing in stocks for more than a year is likely to be profitable 73% of the time, and 97% of the time after ten years.<\/p>\n","innerContent":["\n<p>Remarkably, research conducted by Graham Stephan has revealed that investing in stocks for more than a year is likely to be profitable 73% of the time, and 97% of the time after ten years.<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>Stocks have seen some impressive gains over the past year\u2014almost 12% Stocks have averaged 9.59% in annual returns since the Great Depression, 10.32% since the Great Recession, and 16% since the 2020 pandemic.<\/p>\n","innerContent":["\n<p>Stocks have seen some impressive gains over the past year\u2014almost 12% Stocks have averaged 9.59% in annual returns since the Great Depression, 10.32% since the Great Recession, and 16% since the 2020 pandemic.<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>In other words, stocks are likely to be successful investments over the long term. Though investing today could mean facing short-term volatility, it's still a smart&nbsp; choice if you\u2019re investing for retirement.<\/p>\n","innerContent":["\n<p>In other words, stocks are likely to be successful investments over the long term. Though investing today could mean facing short-term volatility, it's still a smart&nbsp; choice if you\u2019re investing for retirement.<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/heading","attrs":{"level":3},"innerBlocks":[],"innerHTML":"\n<h3 class=\"wp-block-heading\" id=\"h-crypto-nbsp\"><strong>Crypto&nbsp;<\/strong><\/h3>\n","innerContent":["\n<h3 class=\"wp-block-heading\" id=\"h-crypto-nbsp\"><strong>Crypto&nbsp;<\/strong><\/h3>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>By September&nbsp;2022, Graham had invested $450,000 in Bitcoin and Ethereum, accounting for 2% of his overall portfolio\u2014a 55% drop from 2021. The smoke hasn\u2019t settled from the recent crypto crash, and we may still the market drop even further. To protect your investments, move long-term funds to a secure cold storage system, spread investments across multiple platforms, and only invest what you\u2019re prepared to lose.<\/p>\n","innerContent":["\n<p>By September&nbsp;2022, Graham had invested $450,000 in Bitcoin and Ethereum, accounting for 2% of his overall portfolio\u2014a 55% drop from 2021. The smoke hasn\u2019t settled from the recent crypto crash, and we may still the market drop even further. To protect your investments, move long-term funds to a secure cold storage system, spread investments across multiple platforms, and only invest what you\u2019re prepared to lose.<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>Furthermore, look for regulatory frameworks for extra peace of mind. That\u2019s advice from Graham, who invests 3% of his earnings in blue-chip cryptos.<\/p>\n","innerContent":["\n<p>Furthermore, look for regulatory frameworks for extra peace of mind. That\u2019s advice from Graham, who invests 3% of his earnings in blue-chip cryptos.<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>In 2022, crypto nosedived $2 trillion and Bitcoin and Ethereum lost three-quarters of their value. This is why it's best to diversify investments and not go all-in\u2014with the demise of crypto-focused firms demonstrating the innate risks of this asset class.<\/p>\n","innerContent":["\n<p>In 2022, crypto nosedived $2 trillion and Bitcoin and Ethereum lost three-quarters of their value. This is why it's best to diversify investments and not go all-in\u2014with the demise of crypto-focused firms demonstrating the innate risks of this asset class.<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>Despite the challenges and losses, investors still view crypto as a viable hedge against inflation, with growing use cases in NFTs and digital asset trading. Institutional investors still remain bullish on crypto but are staying cautious around the burgeoning asset class.<\/p>\n","innerContent":["\n<p>Despite the challenges and losses, investors still view crypto as a viable hedge against inflation, with growing use cases in NFTs and digital asset trading. Institutional investors still remain bullish on crypto but are staying cautious around the burgeoning asset class.<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/heading","attrs":[],"innerBlocks":[],"innerHTML":"\n<h2 class=\"wp-block-heading\" id=\"h-graham-stephan-investing-quotes\">Graham Stephan investing quotes<\/h2>\n","innerContent":["\n<h2 class=\"wp-block-heading\" id=\"h-graham-stephan-investing-quotes\">Graham Stephan investing quotes<\/h2>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>At eight figures, Graham Stephan\u2019s net worth is nothing to scoff at. Between being a real estate agent, running YouTube channels, and all the side hustles in between, investors may want to borrow a piece or two of Stephan\u2019s wisdom on investing money.<\/p>\n","innerContent":["\n<p>At eight figures, Graham Stephan\u2019s net worth is nothing to scoff at. Between being a real estate agent, running YouTube channels, and all the side hustles in between, investors may want to borrow a piece or two of Stephan\u2019s wisdom on investing money.<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/heading","attrs":{"level":3},"innerBlocks":[],"innerHTML":"\n<h3 class=\"wp-block-heading\" id=\"h-1-nbsp-widen-your-net\">1.&nbsp;<strong>Widen your net<\/strong><\/h3>\n","innerContent":["\n<h3 class=\"wp-block-heading\" id=\"h-1-nbsp-widen-your-net\">1.&nbsp;<strong>Widen your net<\/strong><\/h3>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/columns","attrs":[],"innerBlocks":[{"blockName":"core\/column","attrs":{"width":"25%"},"innerBlocks":[],"innerHTML":"\n<div class=\"wp-block-column\" style=\"flex-basis:25%\"><\/div>\n","innerContent":["\n<div class=\"wp-block-column\" 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class=\"wp-block-embed is-type-rich is-provider-twitter wp-block-embed-twitter\"><div class=\"wp-block-embed__wrapper\">\nhttps:\/\/twitter.com\/GrahamStephan\/status\/1611539490840928256?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E1611539490840928256%7Ctwgr%5E09dbaa7d086b2c655d39bc94582cee5b5067b176%7Ctwcon%5Es1_&amp;ref_url=https%3A%2F%2Fmoneymade.io%2Flearn%2Farticle%2Fgraham-stephan-net-worth\n<\/div><\/figure>\n"]}],"innerHTML":"\n<div class=\"wp-block-column\" style=\"flex-basis:50%\"><\/div>\n","innerContent":["\n<div class=\"wp-block-column\" style=\"flex-basis:50%\">",null,"<\/div>\n"]},{"blockName":"core\/column","attrs":{"width":"25%"},"innerBlocks":[],"innerHTML":"\n<div class=\"wp-block-column\" style=\"flex-basis:25%\"><\/div>\n","innerContent":["\n<div class=\"wp-block-column\" style=\"flex-basis:25%\"><\/div>\n"]}],"innerHTML":"\n<div class=\"wp-block-columns\">\n\n\n\n<\/div>\n","innerContent":["\n<div class=\"wp-block-columns\">",null,"\n\n",null,"\n\n",null,"<\/div>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/heading","attrs":{"level":3},"innerBlocks":[],"innerHTML":"\n<h3 class=\"wp-block-heading\" id=\"h-2-nbsp-be-frugal\">2.&nbsp;<strong>Be frugal<\/strong><\/h3>\n","innerContent":["\n<h3 class=\"wp-block-heading\" id=\"h-2-nbsp-be-frugal\">2.&nbsp;<strong>Be frugal<\/strong><\/h3>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/columns","attrs":[],"innerBlocks":[{"blockName":"core\/column","attrs":{"width":"25%"},"innerBlocks":[],"innerHTML":"\n<div class=\"wp-block-column\" style=\"flex-basis:25%\"><\/div>\n","innerContent":["\n<div class=\"wp-block-column\" 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class=\"wp-block-embed is-type-rich is-provider-twitter wp-block-embed-twitter\"><div class=\"wp-block-embed__wrapper\">\nhttps:\/\/twitter.com\/GrahamStephan\/status\/1618491034614525954?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E1618491034614525954%7Ctwgr%5E09dbaa7d086b2c655d39bc94582cee5b5067b176%7Ctwcon%5Es1_&amp;ref_url=https%3A%2F%2Fmoneymade.io%2Flearn%2Farticle%2Fgraham-stephan-net-worth\n<\/div><\/figure>\n"]}],"innerHTML":"\n<div class=\"wp-block-column\" style=\"flex-basis:50%\"><\/div>\n","innerContent":["\n<div class=\"wp-block-column\" style=\"flex-basis:50%\">",null,"<\/div>\n"]},{"blockName":"core\/column","attrs":{"width":"25%"},"innerBlocks":[],"innerHTML":"\n<div class=\"wp-block-column\" style=\"flex-basis:25%\"><\/div>\n","innerContent":["\n<div class=\"wp-block-column\" style=\"flex-basis:25%\"><\/div>\n"]}],"innerHTML":"\n<div class=\"wp-block-columns\">\n\n\n\n<\/div>\n","innerContent":["\n<div 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