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



  • you have netflix? you didn't mention that in your expenses!

    hellohelloGün önce
  • please become my money coach

    matthew hudsonmatthew hudsonGün önce
  • Why not enjoy yourself a little?? You never know what's going to happen forward..

    Feisty_MemsFeisty_MemsGün önce
  • I thought he was going to say he was playing "a real life game of.........monopoly"...but "chess" makes a lot more sense!

    Tamara KTamara K4 gün önce
  • You are a Smart! Wise Guy^^ Thanks for the motivations! I want to know you better and more, tell us more about your childhood story and your parents.

    Karen GoKaren Go4 gün önce
  • Don't believe a word these scammer say.

    LM AOLM AO4 gün önce
  • you could save on your groceries with potatoes, rice, beans, tomatoes. and grow your own herbs.

    jlebrechjlebrech6 gün önce
  • You should replace your gym membership with a squat rack in you home.

    jlebrechjlebrech6 gün önce
  • You're crazy, I spend more than 15k dollars a year on vacation in Cancun, Europe or USA, Since 1998, and they were totally worth them.

    ǤɇᴚΩαƞǤɇᴚΩαƞ6 gün önce
  • 6:20 that dot at point 5!!!

    Joshua GreavesJoshua Greaves7 gün önce
  • Hi Graham, do you spend any money on gifts for family/friends?

    FlexworthyFlexworthy7 gün önce
  • What books are on your desk where you film your Videos? Love your videos by the way. Wish I had kept up with my frugal ways but two spendthrift husbands sabotaged my efforts. Sold a house I inherited and plan to invest the money the way I want to. Any Suggestions? Thx.

    Karenanne MaddoxKarenanne Maddox7 gün önce
  • Why do I want to buy him sushi?? Come to West Linn, Oregon Graham!

    Janet GrantJanet Grant12 gün önce
  • Hey guys, I am trying to get a blog off the ground. It's called Billy's Memes. I make a new top five meme list every day. So far I have posts about WWIII memes, Thomas the Tank Engine, and my all time favorite memes. Please go check it out. Here is a link: @t Sorry if this comment is unwanted, but I am 15 years old with no social media and no money, so I don't know how else to spread awareness. Please like this comment so others can see.

    Elliott BodeElliott Bode15 gün önce
  • Flex but ok

    sunny days sweepin' up clouds and painsunny days sweepin' up clouds and pain16 gün önce
  • Making a video on monthly expenses, which at the end of each month will cover his monthly expenses.

    Olivér VámosiOlivér Vámosi19 gün önce
  • I get unlimited internet for 20e

    GoldenMasterGoldenMaster19 gün önce
  • 8 ads in a video, no wonder he is rich

    MoneySpiderMoneySpider20 gün önce
  • Graham doesn’t like spending cuz he is a capricorn and capricorns dont like to spend money

    MoneySpiderMoneySpider20 gün önce
  • omelettes and oatmeal

    Coding with CaseyCoding with Casey21 gün önce
  • Amazing video thank you!

    Robert BRobert B22 gün önce

    Austin MoonAustin MoonAylar önce
  • ❤️❤️❤️

    Austin MoonAustin MoonAylar önce
    • :)

      Graham StephanGraham StephanAylar önce
  • Keep up the great work, Graham! 😊

    Austin MoonAustin MoonAylar önce
  • I'm not sure how packed the Gyms are in LA, but 200 for a gym sounds ungodly, when planet fitness has hydro massages, fitness trainers, free bring a guess passes, abunch of equiptment, and alot of parking all for 23$ a month. You're overspending and have a poor budget. JK lol you make enough that it makes up for it easily. but seriously, how the hell do you pay $80 for internet and $120 for utilities. that internet fee sounds like you just got the first 12 month discount price. and the utilities are like 30 under mine and I live in an apartment. You got some good deals.

    Tdray24Tdray24Aylar önce
  • Graham I am currently looking for catastrophic health insurance. Who do you recommend? Thank you for all you do!

    dandel1985dandel1985Aylar önce
    • Try the christian healthcare ministries. I pay $280 for catastrophe insurance for my wife and I. There are few out there but I went with Samaritan Ministries.

      Dean EngDean Eng29 gün önce
  • In all seriousness you do an excellent job with your videos

    Mike BMike BAylar önce
    • Thanks!!

      Graham StephanGraham StephanAylar önce
  • I spend more than that running the kids to sporting ball and feeding them alone. Lol

    Mike BMike BAylar önce
  • Wow, you have a girlfriend? I guess love is after all, “free entertainment.” Please don’t take it the wrong way. I am very impressed and aspired to American girls, like your girlfriend, being able to separate money with love. In my culture, it’s very expensive to have a girlfriend. Or I should be just speaking for myself, Shanghai girl with Chinese ethnicity. With lots of gifts of jewelries and vacations on top of properties and cars, what a financial disaster I am to any guy :)

    Alexandra SunAlexandra SunAylar önce
  • You really lie about your bills. especially the food, the car Insurance, the utilities. My water and electricity bills is $ 300 a month, my car Insurance for 3 cars ( wife, son and I) is $ 415 with state Farm, the mercury you said would have been more expensive,, our health Insurance from my wife Hospital is $ 450, you do not give to charity or church, a meal at home would have cost $ 20 a day for for people unless you eat rice daily, spaghetti or noodles, meals cost me because I am poor $ 1000 a month ( 3 meals a day at $ 10= $ 30 per personx 4 people= $ 120x30 days), you simple lie.

    lejeune Bauvillejeune BauvilAylar önce
  • You remind of me of the lady who was a billionaire in the late 1800s to early 1900s that only spent 5$ a week. She was more extreme and wouldnt take her son who broke his leg to a doctor.

    Chamomile TeaChamomile TeaAylar önce
  • I am a 47 woman, and I admire the way you think and you do things. Thank you to be an example for many of us

    Keren RiveraKeren RiveraAylar önce
  • tl;dr:- I dont

    Puxk kunPuxk kunAylar önce
  • 200 dollars a month on food??? That's super low!! I spend at least double and I'm not that rich at all.

    shanecleshanecleAylar önce
  • Pause vid Who cares ? 🤣

    Follow Bruce lee's White RabbitFollow Bruce lee's White RabbitAylar önce
  • I’m surprised you didn’t just buy your own gym, think about how much money you could make.

    _Got_Sound__Got_Sound_Aylar önce
  • You should put some of this money back into society At least a little

    Joseph HernandezJoseph HernandezAylar önce
  • Conscientiousness level = 43287429385603298

    eyal gutmaneyal gutmanAylar önce
  • Great Video Graham

    MegaBenny21MegaBenny21Aylar önce
    • thanks!

      Graham StephanGraham StephanAylar önce
  • 4:10 step 1. sell tesla step 2. buy bicycle step 3. save $325

    Game KukkelsGame KukkelsAylar önce
  • This is technically millenial money

    QBEYQBEYAylar önce
    • Technically ;)

      Graham StephanGraham StephanAylar önce
  • What I don't understand is that you wrote that Tesla off as a business expense. Okay, now it has served its purpose for your business. How can you continue to use it for personal use?

    Alexander StrarupAlexander StrarupAylar önce
  • im on ebt and i was homeless so im on the hot food program i could get pizza hut with my food stamps ma boi graham is spending less money a month on food then me

    shapesshapesAylar önce
  • What are your thoughts on cryptocurrency?

    Marvin CarterMarvin CarterAylar önce
    • *All comments are welcomed

      Marvin CarterMarvin CarterAylar önce
  • This is so sad, your like the real life version of Mr Krabs lmao

    Random6oy GAMESRandom6oy GAMESAylar önce
  • do a video on how to prepare your self as a highschool student to invest in real-estate

    Devin GutierrezDevin GutierrezAylar önce
  • When you were talking about tax write offs I could not stop thinking about Gus Johnson's video of "this video is for a tax write off".

    Daniel McCullyDaniel McCullyAylar önce
  • OK this man’s monthly expenses without subtracting anything it’s almost 5 grand that’s not cheap

    Hlf GamesHlf GamesAylar önce
  • how tf do u tax write off for everything 🤔 I wanna learn brother

    SideballerSideballerAylar önce
  • BOI how do you do that with the algorith i mean make 40k on a vid.

    jakobsken3jakobsken3Aylar önce
  • I make 650 dollars with my gas station job which I do parallel to my university study, from that I pay 305$ for my car at the beginning of the month, 100$ for fuel, and the rest on going out with friends, partying or eating lol

    Mar CelMar CelAylar önce
  • Everyone commenting about how much he writes off. Him declaring $2M income in Los Angeles means he pays about $1M in taxes but probably more because corporate gets taxed then he draws from it. So if he wants to spend $500 on a dinosaur skull and "write it off" then he should cause he is paying way more tax per year than most will ever make in their lives.

    Zac RZac R2 aylar önce
    • @Graham Stephan from Canada same here haha. Would it be worth it for you to move to a different state or incorporate outside of California?

      Zac RZac R2 aylar önce
    • My top tier tax is more like 55%...that's not on ALL income, though - but definitely a good percentage. But yeah, taxes are a LOT.

      Graham StephanGraham Stephan2 aylar önce
  • You are a genius! H&M never looks soo good🙌🏻

    Elias MendozaElias Mendoza2 aylar önce
  • Take a shot every time he says tax writeoff

    MostThingsExceptFootballAndOtherStuffMostThingsExceptFootballAndOtherStuff2 aylar önce
  • I used to live in a place where there was an all you can eat sushi place nearby, but the place where I live now doesn't D': I miss the sushi

    Isabel CollinsIsabel Collins2 aylar önce
  • How is your total before write offs etc lower than your total house payment before write offs etc

    ClisareClisare2 aylar önce
  • $200 is almost my yearly gym membership. Christ

    ClisareClisare2 aylar önce
  • Graham is monetizing him saving money, so saving money is making him money without investments. Smart

    Cooper’s ProductionsCooper’s Productions2 aylar önce
  • The number 5 not having the . right after hurts

    Mario BesharaMario Beshara2 aylar önce
  • love the video

    Logan LundbergLogan Lundberg2 aylar önce
  • That Geico comment=FACTS (can you please remake this video after you get married too!) thanks! Hahaha

    Charissa MunteanuCharissa Munteanu2 aylar önce
  • Graham's philosophy: "How wealthy can I die"

    That'sITThat'sIT2 aylar önce
  • its so easy to do bullshit like this with TRvision as a job but almost nothing else allows you to make money off of ~anything~

    Arushi HarkawatArushi Harkawat2 aylar önce
  • How is his health insurance only $200?

    MrApplewineMrApplewine2 aylar önce
  • You didn’t add Netflix to your budget!! Liar lol

    Jacob ArrietaJacob Arrieta2 aylar önce
  • That last segment, underrated. Respect

    Wil ThomaxWil Thomax2 aylar önce
  • Where do expenses like Christmas or birthday gifts go? Or money to help your family cos they broke?

    Clarence HarreClarence Harre2 aylar önce
  • When you try to pay attentiob but the dinosaur skeleton is more interesting to look at😂

    Irene rayIrene ray2 aylar önce
  • This guy is going to claim his wife as a tax write off

    Op3rator08Op3rator082 aylar önce
    • 😂😂😂

      Fresh BagelsFresh Bagels28 gün önce
    • Now that's funny.

      Gary BGary BAylar önce
    • Hahahahha Can't stop laughing

      Farid AhmadFarid AhmadAylar önce

      TygafttfTygafttf2 aylar önce
  • So I respect all the frugality of Graham’s life, but what is he saving to this extent for? Is it because he gets more satisfaction from saving money than he does from anything else? Not hating, just wondering?

    Sebastian GonneauSebastian Gonneau2 aylar önce
How I spend my $163,800 per month income