Graham Stephan | GOBankingRates

Graham Stephan is a real estate investor, entrepreneur and personal finance creator with more than 17 years of experience. He began his career at 18 as a licensed real estate agent and quickly built a name for himself, closing over $130 million in residential sales in Los Angeles by his mid-20s. Known for his no-fluff approach to money, Stephan shares insights on real estate, investing and financial habits with a massive YouTube audience of more than 4 million subscribers. A self-made millionaire by age 26, he has since expanded his brand to include a podcast (The Iced Coffee Hour), a coffee company (Bankroll Coffee) and a real estate education platform. Stephan’s content focuses on building wealth intentionally, through smart investing, frugal living and a long-term mindset. His goal: to make personal finance simple, transparent and achievable for anyone willing to do the work.

Education

New Roads School

Accolades

$130M+ in residential real estate sales
Self-made millionaire by age 26 through real estate and content creation
YouTube channel ranked among top personal finance channels, with 4M+ subscribers
Featured on CNBC, Business Insider, Forbes
Appears on Netflix’s Selling Sunset and Bravo’s Million Dollar Listing

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Why Experts Say a Roth 401(k) Could Supercharge Your Retirement

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2 Reasons It Might Not Make Sense to Pay Off Your Mortgage Right Away

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3 Reasons Bitcoin Is 'Digital Gold,' Says Investing Expert

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The Overlooked Difference Between Your Credit Score and Credit Report

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Most Experts Say Buy Index Funds. Charles Payne Says Do This Instead

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Kevin O'Leary: Here's What You Need To Know About Trump's New Tax Bill

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6 Warren Buffett Tips To Follow When You Don't Have Time To Research Stocks

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Tony Robbins vs. Dave Ramsey: Whose Financial Advice Is Best in 2025?

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The Best Way To Keep Your Finances in Order When You Have an Irregular Income

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Here's Why It Takes More Than Hard Work To Get Rich, According to Kevin O'Leary

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Mark Cuban's Top 5 Tips That Will Save Retirees From Financial Disaster

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George Kamel: The Budgeting Habit That Took Me From Debt to Millionaire in 10 Years

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9 Frugal Habits Dave Ramsey Swears By

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5 Red Flags To Look Out For Before Investing in a Company

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Humphrey Yang: Avoid These 3 Mistakes To Become Part of the Top 10%

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Dr. John Delony: Financial Control Is Abuse -- Here's What To Do About It

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Here's How To Avoid the Biggest Mistake Retirement Savers Make During a Market Downturn

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This Tax Confusion Could Be Costing You Money -- a CFP Explains How To Fix It

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Suze Orman: You Can't Afford To Make These 4 Money Mistakes

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I'm an Airbnb Millionaire: Follow These 3 Steps To Earn $250K in Rental Income

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I Paid Off $300K in 3 Years -- Here's How I Did It

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Dave Ramsey's vs. Warren Buffett's Advice on 4 Key Financial Topics

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The One Step Many Miss When Creating a Money Plan

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Rachel Cruze Reacts to 8 Creative Side Hustles for Extra Cash

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Pre-Tax vs. Roth: Why This One Retirement Decision Confuses So Many People

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I'm a Financial Advisor: My Clients Who Retire Early All Do These 3 Things

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This One Simple Money Hack Keeps One-Off Expenses From Wrecking Your Budget

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Social Security's Biggest Lie: Why 'Full Retirement Age' Isn't What You Think

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I Was a Millionaire by 26: 3 Money Rules Every Young Person Should Know

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5 Smart Ways To Use Your Tax Refund -- and 3 Costly Mistakes To Avoid

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5 Hidden Money Leaks Draining Your Wealth, According to Jaspreet Singh

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10 Times Dave Ramsey and Suze Orman Gave Totally Different Money Advice

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5 Ways To Get Promoted Early in Your Career, From a Former LinkedIn Insider

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Rachel Cruze Exposes 6 Money Hacks That Actually Hurt You

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Could Bitcoin Investing Ever Win Over Dave Ramsey?

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Here's the Beginner's Credit Mistake That Could Haunt You for Years

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3 Smart Moves for Investors Worried About Buying at the Top

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2 Common Credit Score Myths That Can Tank Your Finances -- And How To Fix Them

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Here's How To Retire Comfortably Without a 401(k)

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I Asked ChatGPT Where To Retire on $2K a Month: Here's What It Said

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Hate Your Job? Here's How To Switch Without Losing Your Mind -- or Your Money

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Here's How Much You Need To Retire With a $100K Lifestyle

Want to retire on a $100K income? Expert Jamie Hopkins breaks down savings targets, inflation, and strategies to secure your ideal retirement lifestyle.

Day 1

Robert Kiyosaki: Top 5 Money Habits of People Who Retire Early

Want to retire early? Learn how these money habits from Rich Dad Poor Dad followers could fast-track your financial freedom.

Read Full Answer

Day 2

Dave Ramsey Says This is the Best Way to Pay Off Debt

Struggling to pay off debt? Dave Ramsey says the popular "smart" strategy could be holding you back — and reveals what actually works.

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Day 3

Rachel Cruze: The Real Reason Couples Fight About Money

Why do couples really fight about money? Financial expert Rachel Cruze reveals the root cause, and how to fix it before it damages your relationship.

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Day 4

How Do You Know When You're Financially Ready to Have a Child?

Wondering if you’re financially ready for a baby? Money expert Taylor Price shares key milestones, hidden costs, and smart steps to help you decide.

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Day 5

Here's Why Gen-Z Is Embracing Frugal Living According to Brian Jung

Gen Z is redefining wealth with minimalism and digital savvy. Find out why frugality is their new flex — and what older generations can learn.

Read Full Answer

Day 6

Why Experts Say a Roth 401(k) Could Supercharge Your Retirement

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Day 7

4 Moves to Make if You Can't Pay All Your Bills this Month

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Day 8

Frugal Living Expert: Here's How I Save Hundreds per Month, One Expense at a Time

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Day 9

Here's How to Build an Emergency Fund Without Blowing Your Budget

Personal finance expert Bola Sokunbi shares how to build an emergency fund without falling behind on your other financial goals.

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Day 10

How Happy Couples Handle Money -- Even When They Disagree

A spender and a saver can still be a great match -- if they follow this expert advice for managing money, budgeting and talking about finances.

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Day 11

3 Best Ways To Prioritize Your Savings Goals

Not sure if you should save for retirement or a vacation first? A financial expert shares how to prioritize competing savings goals with confidence.

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Day 12

One Simple Fix for All Your Budget Problems from a Frugal Mom

Struggling to stay on budget? A financial expert reveals the real reason most budgets fail—and how to finally make yours stick.

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Day 13

Here's Why You Always Want to Know Your Net Worth, According to a Financial Expert

A top financial expert explains how to calculate your net worth, and why this number can reveal more about your money than you think.

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Day 14

Here's How to Avoid a Huge Tax Bill After a Successful Side Gig

Millions of Americans are freelancing. The extra income is great, but many gig workers get a rude awakening come tax season. Here's how to avoid that.

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Day 15

6 Hidden Costs of Homeownership That Can Wreck Your Budget

Think your mortgage is the biggest expense? A top finance expert reveals the hidden homeownership costs that could wreck your budget.

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Day 16

Avoid These 4 Common Mistakes When You Get Rich Overnight

NFL vet Brandon Copeland shares how to handle a financial windfall, avoid money mistakes, and build lasting wealth -- before the cash runs out.

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Day 17

The One Loan That's Almost Guaranteed To Deliver Financial Disaster

Payday loans offer fast cash, but at a steep cost. A financial expert breaks down the hidden risks and safer alternatives to avoid the debt trap.

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Day 18

The One Habit Keeping You in Credit Card Debt, According to Liz Claman

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Day 19

How To Start Investing With Less Than $1,000

A financial expert explains how to limit risk and grow your money with simple, automated steps -- and as little as $1.

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Day 20

The One Investment Barbara Corcoran Says She'll 'Never Sell' -- and Why

Shark Tank star Barbara Corcoran shares her no-nonsense advice on real estate investing, including why she’ll never sell and how to avoid rookie mistakes.

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Day 21

Why You Should Start Investing Now (Even If You Only Have $10)

New to investing? Finance expert Austin Hankwitz shares simple, smart steps to start building wealth, even if you only have $10 to spare.

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Day 22

Key Signs Your Credit Card Is Quietly Wrecking Your Finances

Using a credit card daily can earn rewards or lead to debt. CFP Chloe Moore shares smart habits to help you build credit and avoid costly mistakes.

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Day 23

The Most Common Retirement Mistake, According to an Expert

A financial coach reveals the most common retirement planning mistake, and how to avoid it before it threatens your financial future.

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Day 24

2 Reasons It Might Not Make Sense to Pay Off Your Mortgage Right Away

Paying off your mortgage sounds smart—but could it cost you in the long run? Here’s what financial experts say about investing vs. early repayment.

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Day 25

3 Reasons Bitcoin Is 'Digital Gold,' Says Investing Expert

Curious about Bitcoin or Ethereum? Market expert Jan van Eck explains how everyday investors can use crypto to diversify -- without falling for the hype.

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Multi-Millionaire Says Timing the Market is Impossible - Here's What You Should Do Instead

Even investing pros failing at timing the market. This expert explains why dollar-cost averaging is a better bet -- and can grow serious wealth over time.

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'5 Ways 'Loud Budgeting' Can Make You Richer, According to Vivian Tu

Finance expert Vivian Tu explains how “loud budgeting” can help you save more, stick to goals and ditch money shame for good.

Read Full Answer

Day 28

3 Questions You Must Ask Before Tapping Into Your Home's Equity

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Mark Cuban Reveals His Formula for Side Hustle Success

When it comes to side hustles, everyone has an opinion. But when Mark Cuban speaks about what makes entrepreneurs succeed, people listen. Here's what he says.

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Day 30

Here's Why You Need To Adopt New Money Moves at Every Stage of Life

The best money habits for your 20s, 30s and 40s, from saving and investing to debt management, to build lasting financial security.

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Day 31

A Financial Expert Explains How to Balance Saving and Investing in 2025

A CFP breaks down the key differences between saving and investing, and how confusing the two could be costing you long-term growth.

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Day 32

Here's How to Set Up an Emergency Fund Without Stress, According to an Expert

Learn how to build an emergency fund that can protect you in a crisis without derailing other savings and investing goals, according to a CFP.

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Day 33

7 Financial Pitfalls That Catch Self-Employed People Off Guard

Being your own boss is empowering. But it also means operating without a safety net. Here are the money rules for self-employed people, and how to use them to your advantage.

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Day 34

What the 1% Know About Taxes That You Probably Don't, According to an Expert

Learn how strategies like tax-loss harvesting and asset location can help you lower your tax bill and boost your investment returns over time.

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Day 35

3 Reasons Gen Z Isn't As Bad With Money As You Might Think

Is Gen Z "bad with money," or are they redefining wealth? Here's why their approach to finances looks so different from older generations.

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Day 36

Here's How To Be Successful Financially Without Building a Budget

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Day 37

3 Ways To Protect Your Money From Inflation, According to an Expert

Worried about rising prices? A market expert shares how to adjust your spending, invest wisely, and protect your portfolio when inflation is high.

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Day 38

4 Reasons This 'Safe Investment' Isn't Always a Good Bet, According to an Expert

ETFs offer low costs and easy access, but they’re not risk-free. Learn what CEO Noah Hamman says most investors miss when buying into ETFs.

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Day 39

3 Key Signs That You're Losing Money to 'Lifestyle Inflation' -- and How To Get Out of It

Got a raise but still feel broke? Budgeting expert Allison Baggerly explains lifestyle inflation and how to stop spending more as you earn more.

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Day 40

I'm an Investing Pro: Here's How To Access Private Equity (Without Being a Billionaire)

Private equity is now more accessible to everyday investors, but it comes with tradeoffs. Here’s what to know before you consider jumping in.

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Day 41

4 Ways To Avoid Bank Fees and Keep More of Your Money

Tired of overdraft and ATM fees? A money expert shares how to dodge hidden bank charges and keep more of your money.

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Day 42

4 Top Ways To Spot and Avoid a Scam, According to an Expert

Scammers can spoof your bank and steal your money fast. Learn how to spot red flags and protect your accounts with expert-backed fraud prevention tips.

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Day 43

The No. 1 Mistake Retail Investors Keep Making, According to This Wall Street Insider

With markets swinging, it's easy for retail investors to get caught up in the wrong moves. Here's exactly why smart people keep making the same mistakes.

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Day 44

Warren Buffett Says You Should Invest When the Market Is Down -- Here's Why

Warren Buffett shares why smart investors buy during market downturns, and how to choose the right stocks for long-term gains.

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Day 45

5 Wealth-Building Habits of the Rich That You Might Want To Adopt

Learn the five financial habits Graham Stephan says make the biggest difference in building wealth and achieving long-term success.

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Day 46

Don't Refinance Until You Read This Mortgage Pro's Advice

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Day 47

The Big Retirement Myth That Could Ruin Your Plans

Many Americans believe this retirement myth—find out how it could derail your financial future and what to do now to protect your long-term plans.

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Day 48

How Long It Really Takes To Get Rich, According to Robert Kiyosaki

Getting rich isn’t just luck or a lifetime grind—Robert Kiyosaki says with mindset, learning, and purpose, wealth is within reach sooner than you think.

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Day 49

Here's How Much of Your Paycheck You Should Save Each Month, According to an Expert

Forget cookie-cutter rules — here’s how to save the right amount from your paycheck based on your goals, not someone else’s.

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Day 50

Tony Robbins: The No. 1 Thing That Will Transform Your Money Life

Tony Robbins shares how values-based motivation, mindset shifts, and consistent action can transform your financial future—starting with small steps today.

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Day 51

Is Your Retirement Plan Broken? Suze Orman Has Advice on How To Fix It

Worried your retirement plan won’t hold up? Suze Orman shares key signs it’s flawed — and how to fix it before it’s too late.

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Day 52

Here's Why Putting Your Savings in the Market Could Backfire -- and What To Do Instead

CFP Jeff Rose shares how to split savings between high-yield accounts and investments to protect your money and grow wealth.

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Day 53

The Overlooked Difference Between Your Credit Score and Credit Report

Most people mix up credit scores and credit reports, but knowing the difference could save you money and boost your chances of loan approval.

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Day 54

4 Insurance Mistakes Most People Make -- and How To Avoid Them

Financial planner Marguerita Cheng shares the biggest life insurance mistakes people make, and how to get the right policy for your needs and budget.

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Day 55

Most Experts Say Buy Index Funds. Charles Payne Says Do This Instead

Charles Payne argues individual stocks may outperform index funds — if investors do the research. Learn how to spot strong picks and manage investment risk.

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Day 56

Here's How To Prepare Yourself for a Recession, According to Suze Orman

Suze Orman shares smart, no-nonsense strategies to turn financial fear into power and prepare for any downturn.

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Day 57

5 Reasons Dave Ramsey's Hard Stance Against Credit Cards Isn't for You

Dave Ramsey says no to credit cards — but does his advice apply to you? Discover 5 times credit cards might actually be a smart move.

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Day 58

Kevin O'Leary: Here's What You Need To Know About Trump's New Tax Bill

Kevin O’Leary said Trump’s new tax bill stabilizes rates and supports small businesses, making it easier to plan and grow in today’s economy.

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Day 59

6 Warren Buffett Tips To Follow When You Don't Have Time To Research Stocks

Here are Buffett's six best pieces of investing advice and some expert takes to help you start your investing journey.

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Day 60

Tony Robbins vs. Dave Ramsey: Whose Financial Advice Is Best in 2025?

Tony Robbins or Dave Ramsey—whose financial advice works best in 2026? Compare their money strategies to see which fits your goals and lifestyle.

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Day 61

The Best Way To Keep Your Finances in Order When You Have an Irregular Income

Freelancers and self-employed: Learn Jessica Moorhouse’s expert tips to budget, build a cushion, and manage unpredictable income with confidence.

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Day 62

Barbara Corcoran: 'Fun Is Good for Business' -- 7 Ways You Can Balance Work and Play (and Still Make Money)

Barbara Corcoran shares 7 expert tips to help you balance fun and work—without sacrificing income. Learn how joy can actually grow your business.

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Day 63

Here's Why It Takes More Than Hard Work To Get Rich, According to Kevin O'Leary

Kevin O'Leary has made his fortune by understanding that working 18 hours a day for someone else will never make you rich. Working 18 hours a day for YOU? A different story.

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Day 64

Mark Cuban's Top 5 Tips That Will Save Retirees From Financial Disaster

For retirees, these lessons are super valuable and can save you from financial disasters. Here are Cuban's top financial tips.

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Day 65

George Kamel: The Budgeting Habit That Took Me From Debt to Millionaire in 10 Years

George Kamel turned budgeting from a burden into a tool for freedom — going from broke to millionaire by shifting his money mindset.

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Day 66

9 Frugal Habits Dave Ramsey Swears By

Discover 9 frugal habits Dave Ramsey recommends to save money, crush debt and build wealth -- practical tips anyone can start using today.

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Day 67

5 Red Flags To Look Out For Before Investing in a Company

Avoid costly mistakes—learn how to spot red flags in stocks with expert tips from Elizabeth MacDonald on financial health, risk, and ratios.

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Day 68

Humphrey Yang: Avoid These 3 Mistakes To Become Part of the Top 10%

Want to join the top 10%? Humphrey Yang shares 3 key mistakes to avoid if you want to grow wealth, build success and level up your financial game.

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Day 69

Dr. John Delony: Financial Control Is Abuse -- Here's What To Do About It

Financial abuse doesn't always look like someone stealing your credit cards. It's more complicated. Dr. John Delony on the signs — and what to do about it.

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Day 70

Looking for a Home Deal? Barbara Corcoran Says You're Doing It Wrong

She has some advice for homebuyers searching for their own hidden gem.

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Day 71

Rachel Cruze: 8 Ways To Lower Your Essential Costs

Money expert Rachel Cruze focuses on how you can successfully lower the costs of your "four walls," which are housing, transportation, utilities and food.

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Day 72

Here's How To Avoid the Biggest Mistake Retirement Savers Make During a Market Downturn

Learn how to protect your retirement savings during market volatility with expert tips from TIAA's Kourtney Gibson.

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Day 73

7 Signs Someone Is Secretly Wealthy, According to Humphrey Yang

Finance influence Humphrey Yang outlined seven signs that someone is secretly wealthy -- these can serve as lessons to anyone hoping to grow their wealth.

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Day 74

5 Things Barbara Corcoran Wants You To Stop Doing With Your Money

Barbara Corcoran has shared many money mistakes to avoid like flying first class and ignoring investing -- learn ways to build wealth and freedom with her tips.

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Day 75

This Tax Confusion Could Be Costing You Money -- a CFP Explains How To Fix It

Tax credits cut your bill, deductions shrink your income. Learn the key difference so you don’t leave money on the table during tax season.

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Day 76

Here's What Happens When You Stop Shopping for 30 Days, According to Tori Dunlap

Ditch impulse buys and reclaim your wallet! The 30-day no-buy challenge helps you spend with purpose, not pressure. It’s self-care, not sacrifice.

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Day 77

Suze Orman: You Can't Afford To Make These 4 Money Mistakes

Orman's guidance is aimed at steering individuals away from financial missteps and toward a path of financial freedom.

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Day 78

I'm an Airbnb Millionaire: Follow These 3 Steps To Earn $250K in Rental Income

Discover how one Airbnb investor built a $26 million portfolio -- and how you can earn $250,000 in five years with just a few high-performing rentals.

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Day 79

I Paid Off $300K in 3 Years -- Here's How I Did It

Personal finance coach Bernadette Joy reveals the simple 3-bucket budget strategy that helped her crush $300K of debt in just 3 years.

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Day 80

Dave Ramsey's vs. Warren Buffett's Advice on 4 Key Financial Topics

What Buffett and Ramsey say about four key financial topics, including investing, debt, mortgages and retirement.

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Day 81

The One Step Many Miss When Creating a Money Plan

The first step to a real financial plan? Track your money. Learn how personalized budgeting builds clarity, confidence, and long-term financial success.

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Day 82

Rachel Cruze Reacts to 8 Creative Side Hustles for Extra Cash

In a YouTube video, money expert Rachel Cruze reacted to eight creative side hustle ideas that might be ideal for you.

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Day 83

Pre-Tax vs. Roth: Why This One Retirement Decision Confuses So Many People

Confused about pre-tax vs. Roth? You're not alone. Money expert Preston Seo explains how each impacts your taxes today and in retirement.

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Day 84

I'm a Financial Advisor: My Clients Who Retire Early All Do These 3 Things

Want to retire early? Financial advisors share the 3 key steps their most successful clients take to make it happen.

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Day 85

This One Simple Money Hack Keeps One-Off Expenses From Wrecking Your Budget

Avoid debt with sinking funds—smart savings for irregular expenses like taxes, car repairs, or travel. Budget better, save smarter.

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Day 86

Social Security's Biggest Lie: Why 'Full Retirement Age' Isn't What You Think

Think you know when to retire? Social Security’s ‘full retirement age’ might be misleading—here’s what it really means for your benefits.

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Day 87

I Was a Millionaire by 26: 3 Money Rules Every Young Person Should Know

Learn Ryan Scribner's top personal finance tips for your 20s, including how to invest wisely, avoid risky moves and build wealth from the ground up.

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Day 88

5 Smart Ways To Use Your Tax Refund -- and 3 Costly Mistakes To Avoid

Learn how to use your tax refund wisely, avoid costly mistakes, and turn a one-time check into long-term financial security.

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Day 89

5 Hidden Money Leaks Draining Your Wealth, According to Jaspreet Singh

Struggling to save money? Discover hidden ways your cash is leaking -- from overdraft fees to inflation -- and how to fix your finances and grow wealth.

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Day 90

10 Times Dave Ramsey and Suze Orman Gave Totally Different Money Advice

Two of the most famous finance gurus in the world often take completely different positions on how to tackle money matters. Whose advice should you follow?

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Day 91

5 Ways To Get Promoted Early in Your Career, From a Former LinkedIn Insider

Skip the “dues” and get ahead faster. Career expert Cherie Brooke Luo shares 5 smart strategies to stand out, gain visibility and earn early promotions.

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Day 92

Rachel Cruze Exposes 6 Money Hacks That Actually Hurt You

Money expert Rachel Cruze reveals common money hacks that backfire, advising the avoidance of debt traps like BNPL, store credit cards, car leases and more.

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Day 93

Could Bitcoin Investing Ever Win Over Dave Ramsey?

Dave Ramsey isn’t sold on Bitcoin—yet. Here’s what would need to change for him to finally consider crypto a legitimate long-term investment.

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Day 94

Here's the Beginner's Credit Mistake That Could Haunt You for Years

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Day 95

3 Smart Moves for Investors Worried About Buying at the Top

Chris Sain shares smart, steady strategies to help investors navigate a hot market without falling into risky traps or chasing hype.

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Day 96

2 Common Credit Score Myths That Can Tank Your Finances -- And How To Fix Them

Avoid common credit mistakes that tank your score. Expert tips show how consistent habits, not income, build strong credit.

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Day 97

Here's How To Retire Comfortably Without a 401(k)

No 401(k)? You’re not alone. Learn how to plan for retirement with IRAs, solo 401(k)s, and brokerage accounts — and avoid common mistakes.

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Day 98

I Asked ChatGPT Where To Retire on $2K a Month: Here's What It Said

ChatGPT mapped out realistic retirement options for $2,000 monthly budgets, from international destinations to affordable U.S. cities and states.

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Day 99

Hate Your Job? Here's How To Switch Without Losing Your Mind -- or Your Money

Thinking of changing careers? Learn how to manage money, emotions, and mindset with advice from someone who’s done it—more than once.

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Day 100

Here's How Much You Need To Retire With a $100K Lifestyle

Want to retire on a $100K income? Expert Jamie Hopkins breaks down savings targets, inflation, and strategies to secure your ideal retirement lifestyle.

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