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

Graham Stephan

601 миӊ. көрүүлөр81

    Here is your step by step guide to learning how to retire by 30 years old - Enjoy! Sign up to Morning Brew for free today: Thanks! Add me on Instagram: GPStephanAdd me on Instagram: GPStephan
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    First thing to know: The FIRE Movement
    This stands for Financially Independent Retired Early, and it’s a community of people who dive into the analytics of EXACTLY what you’ll need to be able to retire at any age.
    All you need to know for retirement comes down to a few things:
    How much money do you NEED to spend every year, how much do you CURRENTLY have saved, and lastly - how much money do you currently make? If you know the answers to those 3, it’s going to tell you EVERYTHING you need to know to be able to retire by 30.
    To start, how much money you SPEND is going to be the most important variable of this entire calculation.
    Generally speaking, if you’re under 30 years old and you want your your money to last you INDEFINITELY without ever running out - you’ll need to only spend 3% of what you have invested, each year.
    Now, how much you spend is going to GREATLY influence how much you’ll need to retire…because, for every $100 per month the spend, you’ll need $40,000 invested in order for that $100 per month to last you forever.
    Whatever that amount is…divide that by 33, and that’s how much income your investments will be able to replace. From there, you’ll need to do the super easy math to figure out how much more you’ll need in order to retire…all you need to do is take how much money you spend every year, multiply it by 33…and however much that is, is how much money you’ll need before you can call yourself “Retired.”
    This is based on what’s known as the Trinity Study, which analyzed the investment portfolios of stocks and bonds throughout every year in history, and calculated how much you could spend from your investment throughout a 30 year retirement - and that study found that you can spend 4% of your portfolio every year, and still have that money last you 30 years.
    However, a 30 year retirement isn’t going to be long enough if you plan to start that retirement at 30 years, in order to preserve more capital so you can retire for a longer period of time…a 3% withdrawal rate was recommended.
    And finally - the last factor in the equation - how much money do you currently make?
    This is going to determine how long it’s going to take you to hit your target retirement number, and whether or not you’ll have to earn more money to get there sooner.
    The Blogger MrMoneyMustache did the calculation for us, and found out how many years you’ll need to work in order to retire compared to how much money you save. Using the 4% rule, he determined that - if you save and invest 70-90% of your income, you would be able to effectively retire within 10 years of working.
    Practically, if you want to do this by 30 years old - you’ll either have to MAKE A LOT OF MONEY, or you’ll need to SPEND VERY LITTLE MONEY - but, assuming you guys just want to make a whole bunch of money as fast as possible to be able to retire, I’ll give you the honest run down on MAKING AS MUCH AS POSSIBLE:
    Your BEST SHOT at being able to retire by 30, and make a LOT of money, is to work a job that pays you based on YOUR RESULTS, not how much TIME you put in. And at the end of the day - if you want to make a LOT of money just to be able to retire quickly - de-couple the idea that the more time you work, the more money you make - because that’s very much NOT true, at all.
    For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at
    *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.

    күнү жарыяланды 5 ай мурун


    1. Kettia Charles

      Smart nurses are using all that crisis money to invest towards early retirement instead of spending it all on fancy cars or other flashy things to show off on social media.

    2. Sandy Beach

      35 now... soo.. gotta start now or find a time machine 😁😅

    3. vialb2

      Make sure you mention to hit that like button an odd number of times in the off chance some people re-hit the button every time you mention it 😂. Thank for the video.

    4. Chris Anthonio

      I retired at 39 from the Military then sold a business that was my side hustle at 41. After taxes I make about 70k a year just on that income, not a lot but at 54, I'm barely grey haired when my dad was bald at my age. Since 'retiring' I've started 3 businesses, 1 failed, the other two I still own and that adds another 60k a year and I 'work' about 20 hours a week. The point is; plan in your twenties and stick to it. have good advisors(Mine is Lucy maria Koss,look her up) and just because you're 'Rich' don't buy what you think the 'Rich' buy. My oldest car is 13, my watch is 30 years old and I don't own the latest phone. I pay cash for just about everything and carry little to no unsecured debt. If your friends judge you by your 'stuff' get new friends or none at all. Peace brothers and Sisters.

      1. Van Hall

        I've actually been looking to invest aggressively in stocks, I live in San Francisco and I only have 95k to spend but I don't have any financial education for it and lack smart mentors. Btw, I've just googled Lucy Maria Koss. WOW! she has good qualifications, I wrote her on her webpage and I'm waiting on her reply. I'm excited to get started and see how far i go in 5-10 years time. Thanks again

    5. Calin Szabo

      Next video : how to retire at 12

    6. Jiraiya Mey

      Thumbnail: 20 minutes Title: 30 years Me: WHICH ONE IS IT

    7. Johnson Jame

      I'd be down to reite at like 50 tbh what are you gonna do for that many years

    8. MParkinson

      this is all al load of ballux

    9. Eric Lindauer

      I wish I had seen this in my twenties. I wouldn't have wasted so much money. ... Neh, I would wasted it anyways.

    10. Dillon

      Actually it’s a white like button. Just saying 🙄

    11. Nan A

      Gosh, I wish you were 30 years younger so I could have had this education. I'm waaayyy passed 30 and trying to figure things out.😭 Just recently paid off all my debt and student loans. I don't own any property, but looking into investing now. I guess better late than never.

      1. Graham Stephan

        Leave a message through my gmail realgrahamstephan for inside tips and guidance

    12. Ant Eatrr

      Bruh you have the Elon musk cheekbone lamo

    13. DNF-37

      How much do you spend: $0 How much money do you have saved: $0 How much money do you currently make: $0 Well I guess I’m set

    14. Bill Hauck

      I have wanted to start a channel to address the youth of America to starting to invest. It seems you have done that. I started investing in 1964 when I was given money for graduation. I later used it for a down payment on my house. At that point I quit investing and later got into a 401 K. Now at this point I need about $1500 a month over SS and 2 small pensions. I discovered a way to generate this passive income tax free with only $75,000 invested. I have been selling out of the money covered calls with TSLA.

      1. Graham Stephan

        Leave a message through my gmail realgrahamstephan for inside tips and guidance

    15. Zo Jirushi

      When he says you need x amount "invested" is he talking about how much you need to put in and not how much you need in your retirement account? Like the 200k/year x 33 =6.6 mil is this 6.6 mil before putting it into a Roth ira, 401k, etc, or is this 6.6 mil after your retirement accounts have grown to that 6.6 mil?

    16. CrossFire Hunter365

      So somebody in their early 20's is suppose to just have 50k them lol ok surprised no body mentioned that

    17. Money Mushers

      I smashed the like button so hard on this video!!!

    18. Berna J

      I make 16k a year 😭😭 im gonna be working till the day I die.

      1. Graham Stephan

        Leave a message through my gmail realgrahamstephan for inside tips and guidance

    19. Vicgames Vt

      When Graham mentiond only spending 3% of your portfolio a year to make sure it never runs out that is just a cautionary thing many people in the F.I.R.E movement do but in reality you can aucttly spend 4% of your investment a year and be relatively safe during a market crash. Personally I would spend 3.5% of my portfolio a year so I have a little wiggle room but I can still retire early.

      1. Graham Stephan

        Leave a message through my gmail realgrahamstephan for inside tips and guidance

    20. Davide P

      dude, it's role models like you that inspire people to make a change and accomplish goals!

    21. Ivan c

      I'm turning 21 in 4 months. This will be my all time goal and then work in a job that I love

    22. Saad Bham

      Start investing as soon as possible, I opened an investing account literally a few hours after I turned 18. I’m a few months away from turning 19 and have already made nearly a thousand dollars with stocks. Good luck 👍

      1. Graham Stephan

        Leave a message through my gmail realgrahamstephan for inside tips and guidance

    23. Stanley fujiwara

      How to retire by 30. Step One: Get a high income skill that pays according to your skills not per hour. Step Two: Cut your expenses and live below your means. Step Three: Save and invest most of your money. Shoot for saving 20-50% of your income if possible. But if you can only do 10% then do that. Step Four: Grow your knowledge so that you can do better in personal finance and investing.Step five:Get a Financial advisor(obviously) Step six: Let time work for you. Start as early as possible, every year makes a huge difference. "The best time to start investing is yesterday, the second best is today."

      1. Stanley fujiwara

        @Katelyn Renesse well i have two advices1) Read The Millionaire Next Door byThomas J Stephen. 2) Use a professional investment strategist/ Financial adviser. you can use mine i found her on a webinar on the F.I.R.E movement, you can look her up, her name is Nancy Jane Gluck

      2. Katelyn Renesse

        hi i'm new to this please any advice for a retiree who would like to make huge ROI from a business?

      3. Gagne Caron

        I took a trade this morning and I literally said "this is not trading like a spoiled brat lol

      4. Hill Landry

        impressive. I myself am pretty much focused on building my dividend portfolio.. it's pretty slow but i'm in for the ride!!

    24. James Ward

      Excellent video. Thank you for giving pointers on how to make substantial income.

    25. Nova

      I reaaaaally wish this info was available and brought to my attention when I was in highschool 15 years go. -_-

    26. Erik Zetterberg

      Due to coronavirus out break (covid-19)my business was short down, I was down at a point whereby I can't afford 2 square meal a day. Thanks to a friend of mine who recommend me to Mrs quinn brayden, who helped me to earn money online through forex/ binary options trading.

      1. Victoria Wong

        I have been on the same quest for over 3months now I tried trading by my self but it's just not producing profit as expected

      2. Sophie Keller

        I wonder if I can start earning online from Bitcoin/forex as well. It's just the most trending now and since lock down everything in business has changed

    27. Leo Meza

      I’m twenty years old right now. In ten years I will have the ability to retire early, mark my words Graham!

    28. emad hamidi

      Hey graham, i have one more thing to add to your video, u see, me, an intellectual, would just do an insane amount of drugs so that my life expetancy would drop down to 60 years old and then i could retire at 30 and live in luxury. Work smarter not harder

    29. Liam Halliday

      I would like a slightly overweight fire. £100K a year outta do it. Interesting numbers.

    30. Adam Lorenzini

      Hey future self, ur not gonna answer this comment until you reach a million dollar net worth. I hope this will be accomplished in the next 10 years but probably earlier... I’m 15 rn see u soon

    31. X CRUZ

      I’m in my 30s never learned any of this and I just lost all hope, thanks for the info tho 👍🏼

      1. Graham Stephan

        Leave a message through my Gmail grahamstephan04 for inside tips and guidance,

    32. Panda Fishing

      Ooops, I am 31 now

      1. Graham Stephan

        Leave a message through my Gmail grahamstephan04 for inside tips and guidance,

    33. Jieting Yang

      I am 32😹

      1. Graham Stephan

        Leave a message through my Gmail grahamstephan04 for inside tips and guidance,

    34. Lew Fez

      He’s so funny when he asks us to smash the like button. 😄

    35. Paul T

      How much you spend a year x 33 isn't quite right. You need to add up what you spend a year, plus taxes, plus investment charges and fees. Then x 33.

    36. Purplanet

      34 yo me and my wife saved about 40~50% of our earnings in 2020. We should cut back and earn more... 70% seems possible. I'd like to only work for good cause.

      1. Graham Stephan

        Leave a message through my gmail realgrahamstephan for inside tips and guidance

    37. Jose F.

      I love you man

    38. Randy Douglas

      Graham, do you recommend Millionaire Fastlane?

    39. Just Another Random Disney Fanatic

      KGup: How to retire My 14 year old self: Ah yes, it's time to settle down I honestly watch your videos way to much for a 14 year old lol

    40. Frank D

      Hey Graham I've always wondered how you can get a 7% interest rate. If you're discussing mostly about banks, I rarely see anything over 2% on savings accounts (here in Canada). Can you please clarify this? Thank you!!

    41. Caballero Randy

      The best and advisable way one could be a millionaire is by spending less and investing more {e.g Cryptocurrency investment (bitcoins) is really the best way to make money nowadays}

      1. Eliose Anderson

        I don't know how Mr Arthur does it, all I know is that he knows the forex market like it's his own farm. Working with him has yield fruitful results, made $29,000 in 3 weeks

      2. Teighan Hill

        Mr Arthur, been my trader, his techniques is marvelous, made me see binary options and forex trade from another angle, I keep making quick profits...All thanks to you Arthur.

      3. Immanuel Kozlov

        I'm so happy for taking the bold step in working and investing $2000 with Mr Arthur after a week I received $7868 to my bank..

      4. Damian Golovanov

        I've never seen someone as perfect as Expert Arthur, he knows how to analyse trade, and with his strategies he earned me so much profit. Made €26,800 in 18days of working with him..

      5. Sandra Aksakova

        Believe me he's the best when it comes to Cryptocurrency trading, your profit is assured.

    42. Jackie Cunningham

      step 1. figure out how to not make minimum wage..

    43. David Stenner

      If you had bought tesla call options at the time of this video you'd be rich right now

    44. Paradise Businessman

      I'm 14 currently. I am working my butt off to build my savings for a business plan. I'm all in lol

      1. Redicent

        @Paradise Businessman wow, that's a nice way to resell your stuff. i do something similar, my dad worked at a warehouse where he would often pick up the returned valuable stuff and it would still be new and packaged. he gave it to me, and i could sell these items online on craigslist or ebay. i wish i would be able to dell things like candy at school, but not many people would know about it bc selling is against the rules. i make some money doing art commissions, that's earned me a significant amount of cash. ill look into wood burning, that sounds so cool, never heard of it before

      2. Paradise Businessman

        @Redicent self investment is great. I used to do art a ton, but I now play a bunch of instruments. 6 total. Best thing about the instruments is that I find fantastic deals on eBay, and if I wanted to, I could sell my instruments like 3x what I paid for them. It's my hobby and passion, even though I just started last year lmao. I make my money reselling stuff and selling candy at school (super easy, almost no work). What do you use to make money? You should try wood burning. I am about to get a cheap kit to start off with, and see how much I can monetize It. The goal would be to get me to draw more, even if it's basic tracing at the start.

      3. Redicent

        @Paradise Businessman i go to art class after school and its pretty expensive, especially with all the supplies and fees i have to buy for it. its worth it doe

      4. Paradise Businessman

        @Redicent nice. What skills do you invest in? I'm curious haha

      5. Redicent

        @Paradise Businessman ooo nice, im into finances but i dont have much saved bc i use the savings to invest into my skills. currently have about 200.

    45. Matt W

      it's my money and I want to retire now!...wait that's not right.

    46. S M.zaidi

      Where should I invest and in what should I invest to get a 7% return?

      1. S M.zaidi

        @Graham Stephan FAKE!

    47. Ralph Valencia

      I got a year. Ima retire at 30 no matter what my financial situation is

      1. Graham Stephan


    48. Muhammad Kamran

      Then there's the 6th type: Lazy FIRE: Get married to someone who is already FIREd up!

    49. Piers Barnett

      Investments are the stepping stones to success especially if you been guided by a professional broker or Investment manager.

      1. willa estrada

        I have traded with a lot of individuals but I have never come across anyone as good as Mrs Renee, just by applying her strategies I now trade independently. she is the best I'd advise any novice in investing to trade with her

      2. Sydney Hunt

        Amazing I also just started trading with Mrs Renee Tarkowski, she is the best at what she does with an initial investment of $1400 i made up to $5230 in just a week of trading with her, her strategies are mind blowing

      3. Justin Macy

        @Daniel Conner you have to be consistent in your approach, trading Forex is always difficult but Mrs Renee is very good. Kindly reach her through her Telegram page At investwithrenee

      4. alexander smith

        I invest with Mrs Renee too, she charges a 20% commission on profit made after every trading session and that's fair compared to the effort she puts in to make huge profit

      5. Katherine Craig

        with the consistent weekly profits I'm getting investing with Mrs Renee, there's no doubt she is the most reliable in the market. such a genius

    50. Brad Rosser

      I have noticed that (most) ppl want to retire early think they will have “more” freedom and the better things in life. One small issue with these ppl needs to be pointed out....discipline!!!

    51. Anthony Ciobanu

      I’m sick of being manipulated into hitting the like button

    52. Viktoria Rohrbach

      I would say the essence of this is important, do what you love and are passionate about, all the people who could retire at 30 will not, because they love what they do and it gives them purpose, or else they would not be there, all the people who don’t love what they do will never retire at 30. Do what you love, it can also be a classical job, what is the problem with making good money while having a good time? The good thing about a job you love like being a emergency doctor or an astronaut or engineer who gets payed by the hour, is that you will have colleagues, this cannot be overestimated, I read somewhere that around 50% of the top 1000 CEOs suffer from depression. Loneliness has been proven in huge clinical trials with around 400.000 participants, to be worse for physical health than drinking or smoking, not even speaking about the mental health. Just think about this if you are a teenager wanting to start big and become rich quickly on abstract screen based things like stock marked or the online business, where will you meet people? If you save 80% of your income, will you still be able to enjoy your peers and invite them for a beer? Loneliness has been shown to be like an infectious disease, don’t become infected and do something meaningful for others, purpose and good company is more important than wealth.

    53. ChrisInigma

      Now here’s a math 🧮 problem... how can I retire at 30 ...... wait for it ....... if I am already 40??? Time travel add on in my Tesla? Let me ask Doc Brown....

    54. kitsumekat

      Can this work for someone who is 30?

    55. Tony OD Morera

      “But Graham”...

    56. Alex

      13:54 Instead of smashing the like button, get smashed by the like button! ( ͡° ͜ʖ ͡°)

    57. travis Garnett

      Graham. I want to be financially free. Im 17.5 years old. i like saving and living frugally. I manage money really well compared to my peers. I took a business class because I thought I would enjoy it but i don't. I want to retire early preferbaly at 30 like the video title but I'm not huge into real estate or business setting. I hate working at a computer or desk work. I do not want to hate my life for the next 13 years working a job I dony like just to be able to retire. Isn't there a middle ground? Finding a niche for me thst I can make eniugh money in to retire esrly?

    58. Michael Wolff

      I really wish your channel existed in the 90s when I was in my 20s...I was making great money as an IT contractor but I burnt just about all of it

    59. rmt3589

      13:40 The millionaire fastlane

    60. Jorge Adames

      Lmao I’m 28. Too late for me.

    61. Stapje Per Stapje

      I'm 30 until the end of 2020. Challenge accepted!

    62. V3n0m917

      I don't want riches. I just want to be financially free.

    63. Jmac Reviews

      This guy is great. Actually wants to help people!

    64. Jesseca Carlotta

      This bitvest24 is first rate. Fast investment and always get what I projected to be my earning later at the end of each plan. I Just wish I had more money to invest . No worries , will stay with them because they are reliable.

    65. XXX Saiyan

      "There are essentially only two drugs that Western civilization tolerates: Caffeine from Monday to Friday to energize you enough to make you a productive member of society, and alcohol from Friday to Monday to keep you too stupid to figure out the prison that you are living in." -Bill Hicks

    66. S A

      Misleading thumbnail, i thought i could retire in 20 min.

    67. Chevy

      Ngl this video was fire 🔥

    68. Apophis PNW

      I’m excited I turn 30 next year! I can’t wait to retire......

    69. TresspasingToad

      fat fire

    70. TresspasingToad

      fat fire is the way

    71. TresspasingToad

      jeg har lyst på nommer 5

    72. TresspasingToad

      bare gjørd et det er den beste følelsen noen sinne det er en ekstrem følelese hvme andre har gjølrt det der

    73. Jay Seeney

      Great, I have 9 months 😂😂

    74. Rebecca Josiah

      Well I was sceptic at first about this bitvest24 so I just did everything I needed to, and I signed up, sent all proof of Id, a utility bill, and then invested. 2 weeks later I received an email about completion of my investment plans and I applied for withdrawal. Two days later I was paid, so yes it does work 100 percent, you just have to be patient and do as required, easy.

    75. Shibalik Dhara

      I am from India, Here the retirement age is 60, So everyone retires at age 60

    76. Ryan

      How can anyone happily live on 21,000 a year?

    77. Natasha Feeney

      I have used Getprimelife loans a couple times to consolidate debt to pay down faster. It has been so easy and convenient to sign up and get everything going. And rates have been very good, so i can actually make progress on paying off debt.

    78. CheahNeah

      graham, you always talk about investing your money. what am i supposed so invest in? i just have my money in the s&p 500

    79. Bakloyvov toyota Smirnov

      Social experiments. Talk to people..I introduction

    80. Eli Winslow

      Me watching Monday night football then turning my head after he says “Listen to this, listen to this!” Thanks for making me turn my head tho, love your videos!

    81. arthur morgan

      How about inflation?

    82. Karl Dailey

      i buy lottery tickets yotta style :D

    83. Jessica Ren

      I love your videos so so much!!!!!!

    84. Chip Pierce

      I think smashing that like button tells KGup to play more ads! There are more ads in your videos than any I've ever watched, of course I smash the like button more on your videos also. Bummer!!! Thanks for the good advice though I guess it's worth a few advertisements

    85. Elizabeth Snowden

      Hate to be the bearer of bad news. Most of you will live into your 90s. Retiring early is great...make sure you have income streams for 40 years protected from inflation, deflation, political changes to investment and tax laws, tech changes to social habits, medical changes and life's surprises. Then you are good. Control your expenses...biggest predictor for success.

    86. Cillian Murphy

      40 is a good age

    87. Ram08plays

      I don't have a job and I am 16 years old.

    88. Nelson Nyanumba

      My answers to the questions are 0,0, and 0... Might be because I'm 15

    89. Taylor Neilson

      This is retirement with no work but for retirement with little work (which is just as good) actually takes a lot less money

    90. Taylor Neilson

      This guy making 300k/mo tho. Gram is in the .01% to me.

    91. Taylor Neilson

      My advice? Just get into air bnb or something like it that you can outsource and manage and then keep putting the money back into it until you have an outsourced income that makes you at least 300k in your pocket.

    92. Deimantė S.

      Damn, I really need to step up my commission. I am insurance agent so I get hourly and commissions, so I need to work on commission part.

    93. Muhamad Ramdan

      How do you know im zoning out 🥺

    94. PassionForInnovation

      Hey Graham, awesome content as always! FYI your affiliate link for morningbrew is not redirecting.

    95. Mikey Slice

      Don’t make fun of my comment halfway through your video after I’ve already left my comment!

    96. Mikey Slice

      I turn 30 in 11 months so hopefully this video helps!

    97. LuisOlisan

      I’m sorry why it is x33? Instead of x30? Can anybody explain me?

    98. The Knave

      If you like a bit of risk, and you don't have much to invest? Prefer the long play, instead of trading? Take a look at NIO and other EV stocks, including upcoming IPOs. YMMV, batteries not included, blah, blah, blah. Do your own research and think for yourselves. ;)

    99. Foley Lawrence

      Investing make up the top notch hemisphere of the wealth. That's the more reason one should save and invest to secure profit and ensure success

      1. sunny decree

        True but that’s when you work with the right Expert

      2. Santiago Carlos

        Bitcoin is a technological tour de force

      3. Nehus Thania

        I’m giving forex trading a shot this time

      4. Team Underground

        I enjoy the forex market because it’s timeless you can start with $2000 some experts take lower than that for start up, I promise you just can’t stop investing in the forex market because it’s very profitable and like a lifetime investment the best so far

      5. García Zulema

        sure the forex market is the most accessible financial market as it has no centralized Location

    100. NG Frenzy

      Buy bitcoin