She mentioned in a previous video that she bought the Air Stream as a fun thing to fix up to turn into an AirBnB, but it turned out to be far more expensive than she anticipated. May as well finish the job and enjoy it. After spending that much money on it, I would want to go camping in it myself before renting it out.
@@TheGrahamStephanShow You'd probably disagree but I feel if a real estate agent pulls up in a flash car I feel like that they are a hustler and not someone I want to do business with.
Impressive video. I started a bit late (graduated from my doctorate program at age 30 in 2014 with 170k in school loan debt). Managed to pay off my debt by 2019 and currently have a house and 250k total in investments (combo of profit share, 401k and a brokerage account). I'm not very knowledgeable in investing, so I just have my investing currently in index funds mainly Too but have been putting a lot into Schd the past few months. I don’t know if that's the optimal strategy, but psychologically it is very set it and forget it, and prevents me from obsessing over individual stock performance.
Instead of using different brokerage accounts to purchase index funds or individual stock, compare your age(s) and how much time you have estimated till retirement, you can also opt to consulting/working with a fund manager/advisor for an “optimal strategy” to outperform the bear market.
@@james.atkins88 Please tell me how i can meet up with your financial advisor, My funds are being murdered by inflation, therefore I'm looking for a more profitable investing strategy to put them to work.
@@james.atkins88 Thanks for sharing this. I did my own little research, and your advisor looks advanced and experienced. I wrote her and dialed her twice but she didn't pick up so I scheduled a phone call. She is experience can't wait to have a chat. I hope she doesn't ignore me.
You'd have no knowledge if you fall for these scams. Psychologically speaking, you won't forget it, and will obsess over that performance. We're in a bull market and can park the “optimal strategy” to outperform the bear market.
I have been watching Monica and Shelby for years! I love to see how successful they've become! Also, I love these reaction videos, they are my favorite!
I really wasn't concern about what my Real Estate's car was. I was more concern about how good they were at their job and how well they treated their clients. I don't judge on what car they drive. Some agents are really bad at following up keeping you updated on what's going on and the client shouldn't have to keep contacting them to get an update.
That sucks about the Rocket Money sponsorship- I got Rocket Money after hearing you talk about it on your channel and love it! I didn’t use to budget at all and now I’m obsessed with it- I like your take on game-ifying saving
For some couples, they're relationship works better when they have separate bank accounts. When they spend the money, they won't be arguing who is depositing more money into that account. It can get messing. It's worked well in my relationship.
@@thedopplereffect00 When you're married and you take those vows (and you mean them) - your spouse's problems are your problems regardless if combined or not. Separate accounts allows for more "hiding" and then the marriage goes into shambles when one partner is asking for help and the other isn't willing to because their mindset is "what's mine is mine and what's yours is yours"
@@thedopplereffect00 I married my wife and paid of her student debts right away. The amount of trust that instills in a marriage is immeasurable. We both hold each other accountable and build each other up. That's how a marriage should work.
@@andrewparry7300 I agree, that was what I was trying to convey. Some people think everything is okay with separate accounts, but they might not know what's actually going on until it's too late.
I'm sure Seattle is extremely expensive for sit-down restaurants, but they have as wide a range as anyone. Red Mill Burger on Magnolia is probably the best burger I've ever had.
I'm speculating that its easy to lose track of your finances when you have so much to play with. When you have (significantly) less money to work with you have to manage it to make the most of it.
There is always a little thought in my head about what you would say every time I reach for something silly. Keeps me a little more honest I would like to think. 😂
I just want to say I love smashing the like button for the RUclips algorithm I want to say I love subscribing to see more and I absolutely love watching the odds all the way to the end so I can give you my one penny and I love you gram. Thank you for the content
Aww man, I heard graham say he booked a 6k$ first class seat to Croatia, and I was waiting for him to tell us how he found an award seat to get it for free by transferring his Amex points to ANA or something… Even by going with the economy seat I feel like it’s not worth it. You could probably get that with 20-30K points each way, and make a video about how you got it for “free”
Honestly I respect that you didn’t buy a $6,000 first class ticket. I think 6k for a 12 hour flight is an insane amount of money. I think it’s fine to let some life style inflation set in since you save so much money but still, 6k, nah
Funny to read this as my driving motivation to build wealth is that I want enough money to always fly first class without a second thought. It’s so much better, it’s worth it especially exactly on those 12 hr flights you mentioned.
I love the vids I just feel like some people buy things for sentimental value and not always just investments. The trailer she prolly bought for something her and her dad could work in together. Same goes for things like hair, nails, clothes and etc some of it is just things people do for themselves not always about finding ways to cut costs. If it was someone that was in debt it’s understandable but not people that are responsible and have the monet
Interesting point that Graham makes that it took couple of years for the youtube to take off. It always seems like it's taking long, but even for Graham, it look time
Def some things to criticize or at least question. Yet it also seems that she's just like the average person in a lot of ways when it comes to financial priorities, just on a much bigger scale. This might seem strange, but I kind of like like this goes against the idea that all wealthy* people are super savvy investors who don't spend anything. *in her case, wealthy? Or just rich? Some would argue that there's a big difference.
The wrinkles on the forehead you shouldn't worry about. You're honestly fine as it is pretty natural. You look human and approachable so I wouldn't start changing that
When my cousin bought their place, I saw a wine at a corner and my cousin said "That's from my real estate agent". So maybe that's it? Real estate agent gives wine to their client?
If you dont drink on the regular you probably wouldn't notice the difference between different alcoholic beverages. Its similar to people who dont drink soda. Most wouldnt be able to tell the difference between coke or pepsi.
I believe if you are in California at a residence you own more than 42 days per year California you are a resident. You will pay income tax on everything.
I think she's got a drinking problem, if you watch her videos, alcohol comes up VERY frequently, she even picks up wine to have for business trips when she's gone for 3-4 days
I don't think Monica does.... but it could be sneaking up on her. Pewdiepie doesn't drink anymore btw thankfully since he was close to spiraling out of control a few years ago.
Here's the thing about buying while married, you split it 5050. If you buy it with someone who isn't your spouse I'd imagine the amount of money invested into the house by each partner would determine the proportion each receives. So in her case if they fought over the house she could prove that she paid far more into it, she'd probably get the bigger portion. I suppose if both names are on the deed, then it could get messier.
Hey Graham, I did some research and I found out that Monica is Shelby Church’s sister. Have you ever thought about doing iced coffee hour with Monica Church?
stupid decision to buy an old Airstream and renew it at double the price of the new Airstream, which look exactly the same as the old vintage one she has
Yeah but I doubt he's making near what she's making, they sound like they've adjusted based on income + she made the decision on that property before he came in the picture (I think) so really not fair to make him pay half imo. Maybe I'm way off tho
i think monica said her income was about the same when she was just doing youtube. which sorta makes sense i guess since so much of her time doing real estate and was able to walk into instant customer potential being on youtube so people know her
I can't even fathom making $500K/year. The fact that her sister makes $1M/year is twice as hard to fathom.
You are mathematically correct
xD
God damn. Is she single?
@@ironwolph No
@@ironwolphyes. Both sisters are single.
She mentioned in a previous video that she bought the Air Stream as a fun thing to fix up to turn into an AirBnB, but it turned out to be far more expensive than she anticipated. May as well finish the job and enjoy it. After spending that much money on it, I would want to go camping in it myself before renting it out.
Have you had Monica on the Ice Coffee Hour? If not, I would love to see her on your show. I respect her for her success.
one day for sure!
What’s her IG
@@TheGrahamStephanShow You'd probably disagree but I feel if a real estate agent pulls up in a flash car I feel like that they are a hustler and not someone I want to do business with.
Impressive video. I started a bit late (graduated from my doctorate program at age 30 in 2014 with 170k in school loan debt). Managed to pay off my debt by 2019 and currently have a house and 250k total in investments (combo of profit share, 401k and a brokerage account). I'm not very knowledgeable in investing, so I just have my investing currently in index funds mainly Too but have been putting a lot into Schd the past few months. I don’t know if that's the optimal strategy, but psychologically it is very set it and forget it, and prevents me from obsessing over individual stock performance.
I’m thinking of doing the same but not sure if I should use different brokerage accounts? Just curious. Pros and cons?
Instead of using different brokerage accounts to purchase index funds or individual stock, compare your age(s) and how much time you have estimated till retirement, you can also opt to consulting/working with a fund manager/advisor for an “optimal strategy” to outperform the bear market.
@@james.atkins88 Please tell me how i can meet up with your financial advisor, My funds are being murdered by inflation, therefore I'm looking for a more profitable investing strategy to put them to work.
@@james.atkins88 Thanks for sharing this. I did my own little research, and your advisor looks advanced and experienced. I wrote her and dialed her twice but she didn't pick up so I scheduled a phone call. She is experience can't wait to have a chat. I hope she doesn't ignore me.
You'd have no knowledge if you fall for these scams. Psychologically speaking, you won't forget it, and will obsess over that performance. We're in a bull market and can park the “optimal strategy” to outperform the bear market.
I have been watching Monica and Shelby for years! I love to see how successful they've become! Also, I love these reaction videos, they are my favorite!
They are both very successful and should be very proud of what they have accomplished so young.
I really wasn't concern about what my Real Estate's car was. I was more concern about how good they were at their job and how well they treated their clients. I don't judge on what car they drive. Some agents are really bad at following up keeping you updated on what's going on and the client shouldn't have to keep contacting them to get an update.
Good points!
That sucks about the Rocket Money sponsorship- I got Rocket Money after hearing you talk about it on your channel and love it! I didn’t use to budget at all and now I’m obsessed with it- I like your take on game-ifying saving
This channel wouldn't exist without the Church sisters. 😛
For some couples, they're relationship works better when they have separate bank accounts. When they spend the money, they won't be arguing who is depositing more money into that account. It can get messing. It's worked well in my relationship.
If you're married - no. You need to be fully transparent and accountable. Separate accounts almost always end in a bad way.
That works okay until one spouse secretly develops a spending problem and starts racking up debt
@@thedopplereffect00 When you're married and you take those vows (and you mean them) - your spouse's problems are your problems regardless if combined or not. Separate accounts allows for more "hiding" and then the marriage goes into shambles when one partner is asking for help and the other isn't willing to because their mindset is "what's mine is mine and what's yours is yours"
@@thedopplereffect00 I married my wife and paid of her student debts right away. The amount of trust that instills in a marriage is immeasurable. We both hold each other accountable and build each other up. That's how a marriage should work.
@@andrewparry7300 I agree, that was what I was trying to convey. Some people think everything is okay with separate accounts, but they might not know what's actually going on until it's too late.
I watched this a few days ago and as I finished it I said to my self "I cant wait for Graham's reaction vid" ,I knew it was coming!
She sounds just like her sister. You should bring Monica on the Iced Coffee Hour podcast!
Those sisters are such Rockstars! I really appreciate their content
I'm sure Seattle is extremely expensive for sit-down restaurants, but they have as wide a range as anyone. Red Mill Burger on Magnolia is probably the best burger I've ever had.
I'm speculating that its easy to lose track of your finances when you have so much to play with. When you have (significantly) less money to work with you have to manage it to make the most of it.
This was one of the best reaction videos! Very entertaining
Buying a house with you’re bf. What could go wrong 😬
It would be awesome for you to do a video on someone who earns like $40k or $30k a year.
I can’t get over how similar these sisters are! They sound so similar!
they're twins lol!
Literally got a RocketMoney ad after you talked about Rocket Money 😂
YAY! I've been waiting for this video. Thanks Graham.
You got it!
@@TheGrahamStephanShowhi graham stephen how are you
Do you know Monica church
There is always a little thought in my head about what you would say every time I reach for something silly. Keeps me a little more honest I would like to think. 😂
Please give me a heart Grahm, I love your content!
Here you go! Thanks!
I love how he forgot this isn’t Graham After Hours when he saw the wine expense 😂
“What the hell is that?” 😂😂😂
GRAHAM I HOPE YOU'RE HAVING A GOOD DAY BUDDY!!!!!!!!
YOU TOO!
I love Graham. Something about him makes me feel safe.
For a lot of companies now reporting a credit card as lost/stolen they don't allow new purchases, but they allow recurring subscriptions to continue.
Yes many just roll it over because it's not really a new account just a new number on the card.
I just want to say I love smashing the like button for the RUclips algorithm I want to say I love subscribing to see more and I absolutely love watching the odds all the way to the end so I can give you my one penny and I love you gram. Thank you for the content
Love to see a crossover between my favourite RUclipsrs!
Keep up the great work! ❤
thanks!
I agree with you about the buying before marriage.
Love listening to you talk
I'm 32. I make 470 000 NOK a year (47 000 dollars). I'm debtfree. House paid off.
Poor Jack, he wants to be reviewed on the Graham Stephan Show haha
Hey Graham! I would research some skincare products that contain retinol which is a great ingredient for fine lines and wrinkles!
Dude, upgrade your flight. You will feel better and not waste a days recovering from the flight.
You went to Croatia? Hahaha cheers from Croatian audience here :) You planning to go again sometime?
5:02 maybe you should stop WINEing about it 😂
I agree with you Graham that I feel that Monica buying a house with her bf right now is a mistake.
MM and those style of videos are my favorite in this 2nd channel.
Not the first time I'm suggesting this... but you really should invite her on The Iced Coffee hour 😎
Nice assessment, presented in funny and captivating style, thumbs up 👍
I'm so confused now. Which one have I been watching all this time? both of them? I had NO IDEA there were two of them. haha
I got a rocket money ad on graham speaking about rocket money lmao they decided it’s better to sponsor ads on the video than paying graham for it 😮
Aww man, I heard graham say he booked a 6k$ first class seat to Croatia, and I was waiting for him to tell us how he found an award seat to get it for free by transferring his Amex points to ANA or something…
Even by going with the economy seat I feel like it’s not worth it. You could probably get that with 20-30K points each way, and make a video about how you got it for “free”
Honestly I respect that you didn’t buy a $6,000 first class ticket. I think 6k for a 12 hour flight is an insane amount of money. I think it’s fine to let some life style inflation set in since you save so much money but still, 6k, nah
Funny to read this as my driving motivation to build wealth is that I want enough money to always fly first class without a second thought. It’s so much better, it’s worth it especially exactly on those 12 hr flights you mentioned.
I love the vids I just feel like some people buy things for sentimental value and not always just investments. The trailer she prolly bought for something her and her dad could work in together. Same goes for things like hair, nails, clothes and etc some of it is just things people do for themselves not always about finding ways to cut costs. If it was someone that was in debt it’s understandable but not people that are responsible and have the monet
Airstreams are so heavy and impractical. They have less space, use more gas to tow and you can spend the same money for more space with other campers.
“I should be like ‘wiiine’” haha. You’re so funny Graham. I love these videos you do :).
people have more than 4-5 subscriptions? i dont see why anyone would need rocket money. how hard is it to look a monthly statement? what a joke
Interesting point that Graham makes that it took couple of years for the youtube to take off. It always seems like it's taking long, but even for Graham, it look time
Def some things to criticize or at least question. Yet it also seems that she's just like the average person in a lot of ways when it comes to financial priorities, just on a much bigger scale. This might seem strange, but I kind of like like this goes against the idea that all wealthy* people are super savvy investors who don't spend anything.
*in her case, wealthy? Or just rich? Some would argue that there's a big difference.
We finally hear it 👏🏿👏🏿👏🏿. Dont buy with boyfriend girlfriend. 30 years on the hook 30 years!
Monica will not be driving a Ford F-150! 😂
wait a miniute is that monica or shelby talking when i click in to monicas channel? cuz u won't be able to tell the difference ahahaha 🤣
Restaurants really love it when you bring your own wine
Wineeee is she spending that much money on *WINE* 🤣
I agree with not buying a house unless you’re married!! 🏠
So single people with no desire to marry or couple up should never be homeowners? Got it.
Your lunches with clients are a tax deductible.
cut back on $400 a month wine? bro she only spends around 120k a year shes still able to save 380k lol
She is flying Delta Business Class, not First Class like Air France.
She seems like a very hardworking person with brains, common sense and so much more. 👏👏👏
WA is a community property state - marriage assets basically go 50/50. mutual ownership might offer easier way for a favorable split.
The wrinkles on the forehead you shouldn't worry about. You're honestly fine as it is pretty natural. You look human and approachable so I wouldn't start changing that
Ooof average mortgage in Seattle around me is 5-7k a month
Graham finally traveling? About time lol
When my cousin bought their place, I saw a wine at a corner and my cousin said "That's from my real estate agent". So maybe that's it? Real estate agent gives wine to their client?
Submitting my comment for the algorithm gods
She did leave out the place her and her boyfriend live, Shelby is part owner also.
If you dont drink on the regular you probably wouldn't notice the difference between different alcoholic beverages. Its similar to people who dont drink soda. Most wouldnt be able to tell the difference between coke or pepsi.
God forbid if her boyfriend passed away, now she owns a house with his parents.
I believe if you are in California at a residence you own more than 42 days per year California you are a resident. You will pay income tax on everything.
No! I think the $400/month on wine is for a wine club. Wine when she eats out is additional!
i completely agree on only buying something with your husband/wife never bf that’s wild!
I thought this was Shelby the whole time.
I didn’t watch the whole video Graham, I’m so sorry
I think she's got a drinking problem, if you watch her videos, alcohol comes up VERY frequently, she even picks up wine to have for business trips when she's gone for 3-4 days
It might be sneaking up on her like it did for Pewdiepie
Nah. She just in 20s enjoying life.
I don't think Monica does.... but it could be sneaking up on her. Pewdiepie doesn't drink anymore btw thankfully since he was close to spiraling out of control a few years ago.
Maybe she publicizes wine
Here's the thing about buying while married, you split it 5050. If you buy it with someone who isn't your spouse I'd imagine the amount of money invested into the house by each partner would determine the proportion each receives. So in her case if they fought over the house she could prove that she paid far more into it, she'd probably get the bigger portion. I suppose if both names are on the deed, then it could get messier.
She has become a wine mom without any kids 💀
Probably she is buying wine for her clients. My agent does that ….
We need a video where you stay at their air bnb in palm springs!
Hey Graham,
I did some research and I found out that Monica is Shelby Church’s sister. Have you ever thought about doing iced coffee hour with Monica Church?
stupid decision to buy an old Airstream and renew it at double the price of the new Airstream,
which look exactly the same as the old vintage one she has
You just saved me $300 a year with rocket money 🤠
I wish I had millennial money 😆
Hey Graham! Are you going to do your portfolio/networth 2023 video?
Her boyfriend is also in real estate, most likely that's why they are investing together.
Being 35 not counting my husbands income. I not even make 50k a year😅😢
You mean they’re not the same person 🤯
The boyfriend should be paying half the rent. Coz he lives there everyday and she sometimes isn’t there.
Yeah but I doubt he's making near what she's making, they sound like they've adjusted based on income + she made the decision on that property before he came in the picture (I think) so really not fair to make him pay half imo. Maybe I'm way off tho
The wine must be for gifts to clients, informants etc.
"wine" you need that? automatic like for me, love puns
thank you for removing the ugly green borders on your cam vid.
please tell her its not pronounced Porsch. its porsh uh
she doesn't need makeup, pretty girl
i think monica said her income was about the same when she was just doing youtube. which sorta makes sense i guess since so much of her time doing real estate and was able to walk into instant customer potential being on youtube so people know her
It's also smart to keep a day job. RUclips can fade away with time.
"Ah don't text me, stop it" 😂
This algorithm is the way
Waiting for you do review jacks video lol
I don't understand, $500,000 a year and she can't pay cash for the home?
Wait...she makes 500 thousand a year normally....why would she not pay off her home? I would not carry that month after month.