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Don't buy it tomorrow. Buy it three months from now. You have 97% chance you won't care about that thing anymore. It works like a charm. Trust me.

The best trick that has helped me is not ever spending money. I haven’t bought anything in months. By eating tree bark and drinking free venti ice waters I save 100% of my income. You better bet I’m using free Starbucks WiFi right now.

Honestly i love watching my savings grow.... Like i cant wait for every payday just to save money lol.. Idk its weird

I'm usually bad at saving money but I'm turning my life around and now I've saved over 2k and I want to keep saving

*The 5 Tips Graham talked about:* 1.) Buy tomorrow 2.) Would you rather have cash? 3.) How many hours does it cost? 4.) Save your savings 5.) Future value Make sure to watch the full video because Graham goes in depth into each of the tips... and his videos are hilarious.😁 You're Welcome!👍

Person making $100k a month and spends $2k a month Graham: Okay i think we can still cut back on some stuff

It sounds cheesy but I’ve worked on not even wanting material items, prayed about it and all. It feels good walking through the mall and not wanting to shop for any clothes or shoes. Not wanting to show off and simply just feeling less materialistic.

Me: "I think I'll buy some food for today." Graham: "Buy it tomorrow"

Trick #6: Go to your parents house/houses (if you're not already still living there), look in the garage and closets, and do a visual audit of the estimated value at time of purchase of all the junk that's accumulated there. Special attention should be given to Mom's purses and shoes, and Dad's RV or boat. Mentally add it all up. Guesstimate how many working hours it took to purchase all that unused stuff. Then tell yourself that, with respect only to consumption habits, you vow NEVER to be like your parents.

Step one: have a picture of Graham in your wallet so you remember you can make that $0.20 coffee.

Great video Graham! I'm 18 and I saved my first $10k last year. $100k Here I come!

Glad I'm not the only one who uses "how many hours will this cost me?" 🤑😎

When my wife shops, we refer to it as her going "hunting." Then she'll come home and tell me about all the things she had in her cart, then decided to put back on the shelf. Classic "catch and release." Just as fun.

2:26 Picks up lots of Gucci, takes it to the counter, rings it up; "no thanks I got my dopamine from the anticipation."

I can't believe how much our lives have changed since meeting Rodger Michael Karl. He's helped us become debt-free and save for retirement." I made over 220K during this dip, which made it clear there's more to the market than we average joes know. Having an investment adviser is currently the best course of action, especially for those who are close to retirement ..

What makes me feel better about this video is that I save nearly 50% of my income and always remind myself the difference between want and need.

my trick is dont buy anything until you have at least 3 reasons you need it not want it ... its a huge difference.

My number one trick is to leave my debit/credit cards at home. This completely eliminates impulse spending. Works every time

My trick to saving money: I'm just too lazy to go shopping

Graham Stephan is Dave Ramsey for millennials

How I save money by not buying things I want. Me: looks at item I want : looks at price :looks at wallet Wallet: looks at me Me and my wallet: walks away*

My biggest life hack for getting a dopamine hit is buying stock. You get the same high or feel of buying something, but you're buying an index fund, lol.

Need vs want, the number one question you should ask yourself before a purchase. Saves me so much money. Keep in mind I consider happiness a need, i just determine if the purchase will actually impact my happiness.

Thank Graham I just saved 50000 dollars for a kidney transplant I needed!

No one : Graham : I think we can cut out on that

HEY! I bought my bose speakers in 1992 for $600...Im still listening to them TODAY. In fact, I've listened to all your videos over the same Bose speakers... Works out to $22 bucks a year, and dropping. PS the scammer get rich quick commercials that run during your videos are AWESOME!

I’m starting to view money differently. I just wish I had started seeing it this way 5 years ago when I was 18.

What he is saying in this video is SO TRUE. For example, when I shop on Amazon, I add all the items i want and revisit the shopping cart 3-4 days later. I always end up with only 2-3 items out of 10-15. Drastically reducing my costs. I dont say buy it tomorrow. Sleep on it for several days!

Buy avocado tree (~$90 max at 3-4ft), wait a few years, harvest avocados. Bam: $0.20 avocado toast

Graham, can you make some more videos for teenagers/kids? Like how to invest in your knowledge in young age and pick carefully who you listen to? Thank you🙏

Basically you’re preaching delayed gratification.

**dont have kids***, you'll save a whole lot in life.

I can't save money... I spend $300/mo on avocado toast and Starbucks coffee

*_As Ben Mallah would say Buy low, Fix it up, and Sell High_*

Re-watching Grahams old videos as per usual. Loveeee it

So glad I started watching you sometime in the past year. I’ve saved $1000 in 3 months and I’m hoping to have $5000 by the time I graduate. I’m only 17.

#4 is an insane hack. Long term results with the taste of instant gratification 👌

A desire achieved is no longer a desire. Once you have it, you dont want it as much.

I’ve actually found that when I buy stock in RobinHood or when I buy index funds in my Vanguard Roth IRA I get the same feeling as I get from ordering something online! The reason is that you get to “place an order” even though you are saving and investing

#1...great idea..I do that on Amazon..add it to "wish" list and nine times out of 10 I don't buy the next day or ever!

First tip: Make 20¢ coffee.

Trick #6: stay single

My favourite financial advice is: Be too busy to spend money. So not only are you saving money by not spending it on useless crap, you're also working more and earning more.

I keep it simple. I have a weekly budget which includes an amount for splurging on whatever I want. That way, I know I save the exact amount I want on a monthly basis and can still buy crap I want without feeling guilty. Saving, investing and spending is all about discipline.

*Smashes Like Button* *Computer Screen Breaks* No worries, with all the money I saved i can afford to get it fixed!

Living in a van is a good way to save $...I essentially got a 15% raise for minimal discomfort and have no roommates.

Also: Only splurging every once in a while makes each splurge feel like a luxury, rather than "normal, everyday life". If you only buy one Starbucks latte a week, it tastes so much better and brings you more happiness than if you bought one every morning. I'm trying to use this same mentality to cut back on drinking wine lol (the cheap $10 bottles really start to add up).

100% realising that increasing my income is the priority now... when you do your tax return and it tells you that you are a low-income earner, it gets you in the feels. Thanks, Australian Tax Office, for the wake-up call.

Shopping for me brings regret and feeling broke

"that Bose speaker you've used 5 times in the last year " ok just call me out then

Related to point 2: Video games (THAT YOU PLAY) are actually a really efficient way to spend your money on entertainment. Especially open-ended games, multiplayer games, and games with high replayability. That $60 AAA game that you played for 400 hours cost you just 15 CENTS/HOUR. Compare that to a $10 movie ticket at 5 DOLLARS/HOUR. Again, this only applies to games you ACTUALLY PLAY. Great video Graham. Smashed the hell out of that like button!

1. Wait 24 hours before buying anything. 2. Would you rather have the cash? Think of how much it costs per use. If you don't use it often then it's not worth it. 3. Think about ow many hours do you have to work to buy it? Book recommended: 'Your Money Your Life' : Time is limited resource and we have to use it efficiently in things that are most important. This include finance as well as personal fulfilment. It easier to not spending than work more hours to buy things we don't need. 4. Immediately transfer to saving account every time you can cut back the expenses. This create the immediate reward feeling. 5. Think about money in future value. 6. Make more money!!

Love ur vids, they kinda give me a sense of how to not be broke.

No one: Graham: I CAN MAKE COFFEE FOR 20 CENTS A CUP FROM HOME

Me: thirsty while at airport Also me: wants to buy a bottle of water Wallet: nah, use the water fountain.

1)Buy it tomorrow 2)would u rather take money or product? 3)How many hours does it costs? 4)save your savings 5)future value increase your income if you want to save more

I always used to think about the cost vs. hours I'd have to work for that item when I had an hourly wage. Now that I'm on salary, it doesn't matter. ;)

It’s easy. buy low sell high and get that bread

I have watched so many videos on tips to save etc but never heard of the ‘would you rather have the cash’ idea. Life changing advice, thank you!

Notes: Each of these techniques can be applied immediately. 1. If there's anyhting he's looking to buy, he buys it tomorrow. The real dopamine doesn't get from actually buying the item, but it comes from anticipating it. This is a technique to cut back and save alot of oney just by waitng 24 hours. 2. Also think about if someone offered you the cash equivalent of the item you want to buy, would you purchase that or no? Think about it as if you got payed to save. This really gets you priortizing whats important and what's rally not. Start thinking of everything as how much it cost you per use. 3. How many hours will I have to work to pay for it? This is the premise of your book, Your Money or Your Life. Don't work on things that don't bring you long term value. 4. Save your savings immediatley after you stop a purchase. You will watch the savings add up over time. 5. Think of what your money is going to be as future value. Is you avocado toast worth $300 dollar? There's always a fine line between living in the moment and savings. 6. Final points if you've already done everything above and your still not saving money, you need to actually make more money, that is the reality. You could only do so much to become a minimalist.

"Would you rather have the cash?" Tip was huge. I always think like that, but very few people I know do the same

"Don't buy it now. Buy it tomorrow." Amazon deal: 50% off SALE ENDS IN 2 HRS! Me: Graham said tomorrow soooo...

Best tips yet. The one about transferring that amount is GOLD!!!!!!!!!!!!!

Another thing that helped cut my expenses was paying off my cell phone instead of leasing it/paying monthly payments. My total bill: $45 a month for the phone (EIP: Equipment installment payments) + $15 for insurance since I didn't own my phone + my selected service plan of $80 for unlimited = $140 (not including taxes and fees). Since I paid my phone off I was able to drop the monthly payment and insurance, saving $60 a month. Thanks for all you other money saving tips!!!

I do all of this to pay off my student loan faster. When I’m done I will continue those same strategies to save.

Dear Graham, I must confess my addiction: which is to watch you everyday, yes everyday I learn something new or re-confirmed something I knew. Your video is very straight forward and educational. Thank you and hello from Virginia.

I LOVE these tips Graham! What they do is they help you stop and really consciously think about what you're doing with regard to your money habits. We tend to operate on auto-pilot much of the time when it comes to our money. These tips act as a powerful pattern-interrupts, putting space between our thoughts that involve money and our actions. This space allows for more conscious decision-making. Thank you!

Showing some love years later because people need to watch this again even today ❤

I'm a bigfoot, so I don't even really have money to worry about saving.

Simple, make $.20 coffee each morning 🥑🍞😂

I use all of these except the last one. 😂 “Minimalist, living out of a van intermittent fasting,” literally life goals. I am currently doing the 24 hour fast and thinking about getting a boat or van!

I just sold my mobile home and downsized to a studio apartment so that I could have some new experiences in life. Instead of buying furniture I went to Cancun! It was really the first nice vacation I've ever had and I'm really not interested in going shopping as much anymore. I will be working to put money aside for my next vacation! ❣️

Jokes on you, I eat the snickers and then don't go on the treadmill. Win - win. I'm fat.

But Graham, that 20 cent coffee could be worth $9 55 years from now!

Great video! So informative! I love the editing!

I can't tell how much this helped me after I watched most of your videos. Thanks.

GPS law #1: eBay and Amazon always choose "Buy it Tomorrow" button instead of "Buy it Now"

6th way: Look up "Taco Bell" in your credit card transactions search and just look at the total *:(*

Your practical intelligence/commonsense is amazing. We would get along very well.

When I was around 15 or so, I started hanging sheetrock and doing small home renovations with my grandad. He paid me WAY more than I deserved and at pay day I would immediately go to gamestop and buy tons of games, headsets, controllers, etc. Eventually, I started making so much money, i couldn't spend it fast enough so, i started saving. When i hit 1k, I got addicted to saving money. I stopped playing video games almost immediately and just stacked as much cash as possible. I still wished I would have started saving earlier and I would have been alot closer to my goals than I am now.

"An extra hour to pay for it" Hah! You assume I'm making a decent wage!

lol im 14 and legit dont have a job because im 14 lol but im soo obsessed with money management i spend hours a day watching these types of videos

1. Don’t impulse buy, think about it for a day, then buy tomorrow 2. Ask yourself “if someone offered me the cash value for this item - would I take it?” - But start thinking to yourself: if I had the choice between buying this item, or getting paid that exact amount of money - which would I rather have? 3. When spending ask yourself - “how many hours will it take for me to earn this back?” 4. Whenever you save money by not buying something, transfer it to investment account 5. Think of how much your money will be in the future

“You can have fun shopping if you don’t actually buy anything”. So graham, so true...it’s actually brilliant!

1) I take a picture of things that I want and wait for it to go on sale by at least 30%. 2) I love looking at my money more than spending it. 3) My friend stopped me from gambling with this approach.

He’s so cute. I love hearing a smart frugal man talk haha

I can tell you, downsizing and throwing more money on the pile behind you is the way to go! Downsizing also allows you to focus more on what “YOU” want to do! When you do what you love you are not working. Money flows to you faster and because you have downsized. We are sharing this journey on a KZfaq Chanel we have created.

If you want to save money, buy what you need and hold off on things you want. This takes a little willpower in the beginning, but it will become a lifestyle, if you stick with the program. After you have saved your emergency fund, you can reward yourself with a small item you actually WANT.

Love you Graham. You're helping me and my wife alot. We are saving 6k a month since January. Never felt better.

I just appreciate how much Graham helps us 👏👏👏

Honestly, want to smash that like button 10+ times for this video!! Love this channel in general - I always find the best, easy to understand/implement and most relevant to me financial tips!

This is one of the best advice videos I have ever seen. By the time I reflect on all these questions when it's time to buy something, I've forgotten what I even wanted to buy. Thank you, Graham!

If you have 5$, and I have 5$ *I have more money than you*

The cost of Graham's coffee is the one true measure of inflation.

Window shopping is where it's at! I noticed long ago that my joy in shopping was in hunting out and anticipating the coolest /most desirable stuff. The key is hunting down and researching stuff you actually could buy. Obsessing over huge ticket stuff well out of reach is unproductive.

1.We make our own coffee 2.We cook daily at home and eat leftovers for lunches. 3. I personally window shop all the time... my shopping cart is always full (online) and wait a few days to go to it. I end up removing everything. I feel on track already!!

A tip that works for me and a lot of ppl I convince to save is automate your savings even 50 a week times 52 weeks in a year is 2600 it’s like magic Just think about all the avocado toast that can buy you

I’ve been saving every dollar from my tips when I started my second job. And at my first job I have $150 direct deposited to my savings every week. Seeing the progress is addicting especially when I SEE my tips. I’ve been throwing in cash from my “spending” budget just because I like to WATCH my savings grow

The saving rate chart has to do with the last strategy. Hourly salary is not keeping up with cost of living since the 70's. Because people want to keep the same life style as our parents, they go in debt. Or they must work more. This from a worker-consumer perspective. Now from business perspective: marketing, stores, and businesses in general became more effective at extracting up to the last cent from people, and max out credit cards as there was not tomorrow. That's why the strategy "buy it tomorrow" defuses that "impulse buy" thing. And that explains the pressure sales people put on closing deals right now, they know tomorrow may never come. Tip: Refuse to close deals with aggressive sales people. Think it over.