How I spend my $163,800 per month income

By request, here’s a breakdown of how much I spend every month on my personal expenses, and what I spend my money on - enjoy! Add me on Instagram: GPStephan
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My ENTIRE Camera and Recording Equipment:
Car insurance: $125 per month
Gym Membership: $200 per month
Health Insurance: $215 per month
Phone Bill: $83 per month
Internet: $80 per month
Utilities: $120 per month
Groceries: $200 per month
Misc Spending: $400 per month
Housing: $3500 Gross, $0 Net
*House Hacking Information:
Tesla Model 3 Payment: $630 Gross, $78 Net
And besides that…that’s all I spend money on!
So if you want the actual personal CASHFLOW coming out of my account every month, without counting mortgage equity, car equity, or write offs…this is just the gross amount leaving my account, including rental income on the other unit, then I spend:
$3,353 every single month on everything in terms of CASHFLOW.
However, when you look at my NET cost every month - this is when you account for mortgage and car equity, write offs, depreciation, money I get back at the end of the year, and so on, I spend on average of:
$1501 per month NET on my personal expenses, cost of living, food, utilities, gym, phone, etc.
My business expenses, on the other hand, are expenses that I KNOW will make me more money. What I spend here really varies and for the most part, it’s entirely discretionary.
That’s how I like to run things…I don’t like having high overhead, and the less financial obligation I have, the better.
I just like not NEEDING to spend money every month just to keep things running, and that in turn, means less stress for me, which means I can produce content much easier, I’m more “Free” to talk about whatever, and that benefits YOU because I’m not some huge company just motivated to stay afloat on expenses. Which oddly enough, usually just means I’ll end up making more money because of that…so it’s a weird cycle. The less you need money, the more you make because you aren’t doing things just for the money…and the more creative you tend to be.
Thanks for watching!
For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at



  • How can you get 2000 calories for less than $6 per day?

    The Last CrusaderThe Last Crusader6 saatler önce
  • Honestly I'm going to try going on a diet of those meal replacement shakes for a bit in college, because it's cheaper than our meal plan, and will free up a few hours of my day to work. ~230/mo

    Daniel BennettDaniel Bennett11 saatler önce
  • The last 1.5min is the part that really makes me consider being "better" with my finances/wealth

    Spencer WilsonSpencer Wilson12 saatler önce
  • This is perfect for... Millennial money

    Ivan Mauricio Guillermo Columbus MoralesIvan Mauricio Guillermo Columbus Morales18 saatler önce
  • I still don't understand why you won't live more luxury now. I understand that you don't need to, but when you are on retirement with all your invested money you get back you will still have tons of money when you die if you suffer the same life. Isn't that a shame. So then to me it makes sense that you live very luxury after retirement, but why not split the luxury so you can live now also some more luxury and don't need to spend all the money on you last ages. And then the question which follows that is: what will you do with your money and all your owning when you die. Sorry for going so deep if you wanna say it like that, but I am very interested in that. Btw I love your video's man keep it up😀👍

    Lu van RoLuLu van RoLu19 saatler önce
  • You’re crazy insanely smart.

    Ar BeatzAr Beatz20 saatler önce
  • I just recently started watching your show and was wondering: what _exactly_ is the point of saving up this much money? Couldn't he retire right now and live a happy life? When will he stop?

    NinaTheLudacaNinaTheLudacaGün önce
    • Oh, he explained it at the end of the video.

      NinaTheLudacaNinaTheLudacaGün önce
  • Only $200 on food? Wtf are you eating

    RobbieRobbieGün önce
  • Disappointed that he doesn’t donate to any charities

    Daisy OkpaDaisy OkpaGün önce
  • He reminds me of Tom Cruise

    A1c2b3A1c2b3Gün önce
  • Why is the car insurance not tax deductible if the Tesla is?

    brco2003brco2003Gün önce
  • I'm so glad you brought upmercury insurance that saved me $50 a month

    jessjustleft183jessjustleft183Gün önce
  • spending money on your health isn’t a waste of money just sayin😂

    Victor NgangaVictor NgangaGün önce
  • *wait* am i saving more money on my gym than GRAHAM?! we have a gym called fitness 19 where its only $19 a month wowzaaa graham im comin for ya money

    kenzie bkenzie bGün önce
  • This guys spirit animal is mr.crabs

    SHMOSHMOGün önce
  • A gym membership and a 3800 mortgage. Thats not saving money to me.

    Space ManSpace ManGün önce
  • Right after telling us that he only spends money on things that hold value or gain in value, he tells us he spends $200/mo. on a gym membership... and he didn't tell us about his "initiation fee". In listing expenses, he claims he spends $200 on groceries. Yet he does not claim a single dollar on dining out. Better be careful about calling Gucci stuff "stupid"... once they start sponsoring his "unsolicited" views, he may have to choke. Mercury Insurance must now send him a spiff. I guess Geico wouldn't pay him enough to pimp for them. And those Tesla checks must be good one... he keeps going on about that lie. He never owns that after the first year, his genius financing fails to tell us about his $640/mo. payment... for 60 more months. And he never lists his "charging fees" for that Tesla either.

    Andrew CanzoneriAndrew CanzoneriGün önce
  • BRUH, Equinox is NOT saving money. You earned but damn lol you really went with the most bourgeois gym

    Naruto735Naruto735Gün önce
  • make a video on how much you save every month.

    Marcus DrepsMarcus Dreps2 gün önce
  • 3 things... 1 cable interent is a business expense for a youtuber, 2. if you move your health insurance to your llc and have the llc pay for it it becomes a tax write off (and it is considered a employee perk to the irs) and 3 you did not list how much you spend on avocado toast in your groceries budget... which i would think that was why everyone was watching.

    Raver MagikRaver Magik2 gün önce
  • Sorry, but in my country, you can only claim on tax your vehicle costs on the part you actually use for your business. So the Tesla would be not claimable as you say you don’t use it that often.

    Dene FreelandDene Freeland2 gün önce
  • Honestly I would buy Calvin Cline only bc I got 2 for free and they are my most comfortable shirts.

    decrodecro2 gün önce
    • Klein*

      decrodecro2 gün önce
  • But if you buy Supreme it always sells out and you can make a profit by selling it on StockX or eBay

    2JainzOfficial2JainzOfficial2 gün önce
  • I see why supreme, Gucci and Louis Vuitton are a waste of money but Rolex’s as long as you keep them safe and make sure you know which one you buy. My dad bought one for £200 in 1985 which I think is about £600 due to inflation. It’s a Rolex oyster speedking which idk the value of today but probably over a grand which ok over 34 years isn’t a great deal. But the more you invest the more you get back. say you invest £1 and in a year it turns to £5 “oh it’s only £4 more” but it’s a +500% increase so £1,000 = £5,000 Okay I went off topic

    Moc12321Moc123212 gün önce
  • This guy reminds me so much of myself! I love this guy!

    VinnyVinny2 gün önce
    • 🙌🏼

      Graham StephanGraham Stephan2 gün önce
  • Wow you are my hero.

    OhYouKnow_XRPOhYouKnow_XRP2 gün önce
    • Thanks! 🙌🏼

      Graham StephanGraham Stephan2 gün önce
  • Mens clothes are always cheaper! ugh. $2??

    Heather 22Heather 222 gün önce
  • Need a Graham what I eat in a day video

    Lindsey LaVidaLindsey LaVida2 gün önce
    • Haha one day!

      Graham StephanGraham Stephan2 gün önce
  • 👀

    1000 Subscribers Doing Nothing1000 Subscribers Doing Nothing3 gün önce
  • 🔥🔥🔥👊🏼Right on bro keep up the great work! I am just recently a new subscriber to your channel and I definitely support you on what your doing and all of the content your bring! Again keep up the great work and all of the videos coming!👊🏼🔥🔥🔥

    Adrian MedinaAdrian Medina3 gün önce
  • Graham, you should make your own Millennial Money video of yourself on your other channel! That'd be great.

    Kevin JohnsonKevin Johnson3 gün önce
  • whats the point of making this much money if you dont even enjoy it, anyone? the guy doesnt even spend it, its like hes making 4k a mnth

    AcePlaysAcePlays3 gün önce
  • hes greedy

    Avendos OfficialAvendos Official3 gün önce
  • I would be so honored to meet you and be mentored by you.

    Affluent NerdAffluent Nerd3 gün önce
  • I had an Equinox membership here in LA for about a year. Eventually, I couldn't really justify the expense anymore, but you're right about them being clean and relatively empty for an LA gym. I have to work out super late or early or on an off day like Sunday to get easy access to the equipment I want at 24 Hour Fitness.

    Affluent NerdAffluent Nerd3 gün önce
  • damn you doing good

    aesokiaesoki3 gün önce
  • Graham is like the smartest person on TRvision

    Fred CooperationFred Cooperation3 gün önce
  • You know what ??? I LIKE YOU !!! Because, your REAL !!!! You have DRIVE and your HONEST !!! I would like to be MORE like you !!!! I have to watch ALL YOUR VIDEOS - and take Notes!! Thanks for being YOU !! Your BIGGEST FAN - JIM IN NY

  • You make $168,000 a month,but you financed a Tesla? How does that make sense?

    bringjeffthehorizonbringjeffthehorizon4 gün önce
    • bringjeffthehorizon credit maybe?

      sheashea3 gün önce
  • My man, high five for Equinox! Same here

    Peter RomanovPeter Romanov4 gün önce
  • H&M in India are expensive 6 dollars are minimum it's like a luxury brand over here

    Akash S ShettyAkash S Shetty4 gün önce
  • Question: Would you still pay for health insurance in a country like New Zealand where health care is covered by your taxes?

    Kiedis-HazeKiedis-Haze4 gün önce
    • Also, your diet isn't bland. Omelettes and Oatmeal are the king of food for saving money. And they taste great, like??

      Kiedis-HazeKiedis-Haze4 gün önce
  • You said your gym is 20sec away from where you work. You have a day job on top of youtube and real estate?

    LifeisaviewLifeisaview4 gün önce
  • :)

    Yovani H.Yovani H.4 gün önce
    • :)

      Graham StephanGraham Stephan4 gün önce
  • ►“Recently, all 16 branches of our Intelligence Community have come together to release a shocking report. These agencies, that include the CIA, FBI, Army and Navy, have already begun to estimate the impact of the fall of the dollar as the global reserve currency, and our reign as the world’s leading super power being annihilated in a way equivalent to the end of the British Empire, post-World War II.” (Project Prophecy 2.0, Jim Rickards)◄

    Epic2019ShiftEpic2019Shift4 gün önce
  • Your taking a lot to your grave?

    Daniel Munoz IdeaDaniel Munoz Idea4 gün önce
  • "i dont spend money" has useless dinosaur head on desk

    charles jenkinscharles jenkins4 gün önce
    • It's a business expense

      Graham StephanGraham Stephan4 gün önce
  • Wait so whats ur plan cause surely you'll just keep making money till you die and never spend it

    azorahazorah4 gün önce
  • Unlimited phone deal for $83 a month? Man, you Americans get shafted. My phone deal gets me unlimited phone calls and texts, as well as unlimited 4G data with 300Mb/s peak speed for 31€/month ($35 or something). Go Finland!

    Exantius EExantius E4 gün önce
  • Do you fly economy or business class?

    MysteriouskatMysteriouskat5 gün önce

    702prodigy702prodigy5 gün önce
  • Hi Graham, I have a question about your spending habits if you don't mind me asking. But before people say I'm a hater or not financially independent, I want to mention that I am 18 years old, have a part time job, have all the money for university already covered (Total cost including housing and food is 28k per year) and I come from a medium to low income family that immigrated to North America (they were smart enough to start education and retirement savings right after they moved). Anyways, my question is: Is it really worth it to focus on spending so little to the point where you eat bland food and have to justify every dollar (ei the Tesla) just so you don't feel guilty? I mean, if you are making 168k per month, I wouldn't say that spending a bit more on food or on personal stuff will be bad. In fact let's say you buy the BEST food at the grocery store including lots of fresh produce and meat, then maybe you will run up a $2000 monthly food spending. But that is nothing compared to your income and it will keep you happy and healthy in the long term by eating better food and feeling less guilty with what you buy. I totally agree that saving as much of your income is the the right thing to do (I'm putting about 33% of my income into aggressive index funds), but living to the point of making sacrifices that can affect your physical and mental health seems too extreme. If I was in your position, I would consider he food and health (aka gym) spending categories as "limit free" since those two things are very important and health is priceless. Also, what is the point of limiting yourself so much and then having millions of dollars when you retire at an older age? I would prefer to live a more happy and exciting life while I still have good health, and then retire with a more modest amount of money (instead of many millions, just 3-4 million). Am I wrong to think this way? I just don't want to die with 90% of my money "saved" in the bank while I spent my whole life making sacrifices just to save that money. Let me know what you think anyone :)

    Vlad NicaVlad Nica5 gün önce
  • @Graham, what is your health insurance provider and plan? $215 is so cheap. How do you think about this decisions when buying your own insurance?

    Cliff WeitzmanCliff Weitzman5 gün önce
  • It would be nice if you donated regularly

    Elephant ShoesElephant Shoes5 gün önce
  • I love this! Such a smart way to live!

    Bold BudgetingBold Budgeting5 gün önce
  • I really hate how he compared himself to playing a real life game of chess instead of monopoly 🤦🏽‍♂️

    Antonio CastilloAntonio Castillo5 gün önce
  • The Chess analogy is so spot on Graham. Just thinking and making the right next play also makes me happy.

    Kalem St.LouisKalem St.Louis6 gün önce
  • It’s amazing how much you save but have you ever considered using your wealth to promote businesses that are environmentally sustainable and don’t use labor of people paid unfairly? I totally understand not buying a Gucci belt but sustainability is something I personally strive to do and I don’t make nearly as much as you. It may also save you money to invest in well made pieces vs fast fashion in the long run anyway.

    Lindsey RareyLindsey Rarey6 gün önce
  • Thx for these posts! I’m behind the 8-ball with getting my life together 💕 I thought adulting was hard but then I realized I really enjoy this stuff and nerd out while reading CC transcripts all thx to you. If you ever see this, would you consider answering two questions? 1. Do you think Ford is a dividend trap? 2. Even though Tesla is loosing money on the car side, I’ve been following the solar panel roof tiles and heard it’s launching in Europe. Good or bad idea to go into Tesla atm? Thanks for all you do! 💕

    Fly65Helos1Fly65Helos16 gün önce
  • Maybe Graham has already addressed this (if so can someone link me to that video) but if he is only spending the bare minimum on his necessities what is the point of saving all this money? Like if you are unlikely to ever spend it? Because even the necessities he doesn’t spend on...?

    Simply SimlySimply Simly6 gün önce
  • 200$ Gym is not worth it! u spoiled Brat! Train at home, u can do it in underwear with bodyweight and no equipment, even saves u cost for water and electricity -> less laundry. Dude I thought u were frugal.. FAKE

    MMMM6 gün önce
  • He’s happy because he has the luxury to be

    Kat.RoseKat.Rose6 gün önce
  • Graham spends half of what my husband and I spend and gets the luxuries that we don't get. Wtf am I doing with my life. I mean yeah being married with a kid means we spend more but...I feel like we are doing something wrong. Any extra money we get pays off debt so we can use his VA loan to get a house but like...stiiilll I feel like she should have a savings of some sort. Guess it's time to re-do our budget plan :(

    Caitlyn MunizCaitlyn Muniz6 gün önce
  • I need to get on your level! I only make $20,000 a month. 😰

    Full Funnel ClubFull Funnel Club6 gün önce
  • Man, I absolutely love your videos, just found them today and have beeen browsin'!! I'm curious how much you spend on Masterminds, Coaching, Mentorship & Events. I've gone to quite a few masterminds this Summer and find they have such an amazing ROI -- curious how you view this. Thanks for being awesome and look forward to seeing how your channels progress

    Philip LoudenPhilip Louden6 gün önce
  • 160k and doesn't drive a model S. Could buy a super car but lives humble. Really admirable Graham!

    CodeCode6 gün önce
  • Wait. You do all that to save money but still buy a gym membership? Aw, HELL NAW.

    Space ManSpace Man7 gün önce
  • lol I aspire to make that much in a year

    Gamer StudioGamer Studio7 gün önce
  • Huge HUGE +1 on Mercury!!! They are definitely the best insurance for the price! Much better priced than all state, geiko, and triple A from experience

    License to SendLicense to Send7 gün önce
  • Millionaire driving what’s considered a “luxury car” pays 125 dollars a month for car insurance Me driving a 2006 Honda Civic that cost 4,000. Never have been in an accident and have been driving for 4 years currently 22... 600 dollars a month.. yeah lmfao (ALSO) took me about 2 weeks to find the lowest amount..

    deaslefuldeasleful7 gün önce
How I spend my $163,800 per month income