I love your content Ari, you and James are my favorite CFP in RUclips. I don't listen to others that doesn't make sense. I need everything to be backed up with real numbers 🙂
I'm an aspiring CFP, and I get frustrated with the personal finance youtubers sharing this information/advice to the average person. At some point, these youtubers just get out of their depth, and people need to consult a professional that does this day in and day out. Thank you for filling the gap and addressing this need with professionalism and care. It's admirable and a great to see CFPs, CFAs, and others enter the youtube space to share their knowledge and experience.
Having just turned 41 and got laid off, I'm at a turning point. With $425K saved for early retirement at 40, $10K in an HSA, and a property that could sell for an extra $200K, what are my options for investing aggressively?
Not going back to work. I'm unsure whether to consolidate all my investment accounts into one. If I do, how should I handle it and what should I be aware of? I also plan to sell my property, which could bring in an extra $200K over time. Should I combine everything into one account or spread it out across different investments?
These are key questions for a financial planner. I connected with mine at a summit, and with her help, my wife and I reallocated our $1.7M portfolio between a traditional IRA and brokerage account. She’s been managing the investment with our approval and has helped us recover twice our losses. Currently hodl’ing steady and cautiously navigating the market
Graham is no doubt a nice guy and has some good knowlege but his primary goal is to market his channel to younger, uninformed individuals that are easily influenced and thereby grow his viewer number and therefore income. He is not actually instructing or teaching them concepts and giving them knowlege thta will help them in the future. Rather, he is pushing content that is appealing and that they want to hear to feel good about themselves. He is not intentionally misleading, just not providing the important context and full information to build understanding in the listener. He presents his examples and statements in a neat, clean and steril statement without regard to how it will fit or even work in an imperfect world or for the people. Things aren't neet and clean like he tends top put everything. The fact of the matter is that "it depends" on everyones specific situation and mileage will vary. Good discussion Ari and I feel you are spot on with your observations and comments. Have a great week. Larry, Central Valley, Ca.
Been listening to him for years. He's not wrong in what you posted from his video, he's giving people a reality check not a "you should/could do this". Could be a little tongue-in-cheek which he does from time to time.
"clickbait" is a lot nicer than I would phrase my opinion. There are innumerable financial youtubers that are innocently clueless. Graham Stephan is not one of those. At the very least he omits or disguises critical assumptions.
Love the program. Well done. I must take exception to one of your comments. "Going into debt for education" is good debt; this is a fallacy. I incurred $18,000 dollar cost getting my MBA. My ROI for this endeavor is $0.00. While I did not go into debt pursuing this endeavor, i missed out on the compounding effect of $18,000 not invested. If your employer pays for the higher education or credentials then it may be worth the effort. There is no guarantee that one will make up the expense/cost associated with an added credential or educational degree.
Good video on life balance vs frugality, but I'd push back on the credit card rewards - we've done 12K in cashback since 2016-2023, same cards no churning. Free money if you can pay it off monthly.
I have beef/qualms with estimating you want to spend 50k a year in 10 yrs .. without mentioning inflation. 50k a year in 10 yrs will have the purchasing power of 39k yearly today...
Finfluencers tend to start out giving very solid advice but as time goes on it gets more reactionary. If you watch early Graham videos he really gives some awesome basics. But now I feel he's really trying to grab views.
I listened carefully and did not understand what exactly was exposed here? Seems like Graham gives a few options to retire early based on different savings rates and corresponding number of years to achieve FIRE. For me, having 50k yearly expenses is realistic. Saving 95k a year is also realistic... It is just a matter of lifestyle choice and ability to earn high income
Experienced CPA here. To me, the problem with Graham is that he has zero respect for education and experience. He thinks he can be a personal finance expert by regurgitating what he googled. I need a pro like Ari who is capable of carefully analyzing and thinking for himself
Never heard of Graham before and have no intention of ever watching him. It appears his channel could be a bit dangerous to young viewers who are easily influenced. Hopefully, they at least get a good lesson in saving.
Graham S was caught on the Plain Bagel for taking money and pushing product as a financial "influencer" without disclosing that he was being paid. He at least admitted it when confronted. Be careful with any advice you are receiving, especially free financial advice that involves products or systems.
I've been frugal my entire life, but I find the FIRE movement somewhere between morally bankrupt and asinine. I think it comes down to their inability to find satisfaction in work, so they live for money.
I love your content Ari, you and James are my favorite CFP in RUclips. I don't listen to others that doesn't make sense. I need everything to be backed up with real numbers 🙂
I'm an aspiring CFP, and I get frustrated with the personal finance youtubers sharing this information/advice to the average person. At some point, these youtubers just get out of their depth, and people need to consult a professional that does this day in and day out. Thank you for filling the gap and addressing this need with professionalism and care. It's admirable and a great to see CFPs, CFAs, and others enter the youtube space to share their knowledge and experience.
Thank you!
You are definitely a RUclipsr, and a natural! I love your content, more people should be watching you.
before this video, I'd legit never heard of Graham Stephan. keep doin' what you're doin', Ari.
Having just turned 41 and got laid off, I'm at a turning point. With $425K saved for early retirement at 40, $10K in an HSA, and a property that could sell for an extra $200K, what are my options for investing aggressively?
It makes sense to consider a financial advisor at this stage, but delaying retirement might be a smarter choice
Not going back to work. I'm unsure whether to consolidate all my investment accounts into one. If I do, how should I handle it and what should I be aware of? I also plan to sell my property, which could bring in an extra $200K over time. Should I combine everything into one account or spread it out across different investments?
These are key questions for a financial planner. I connected with mine at a summit, and with her help, my wife and I reallocated our $1.7M portfolio between a traditional IRA and brokerage account. She’s been managing the investment with our approval and has helped us recover twice our losses. Currently hodl’ing steady and cautiously navigating the market
That’s impressive! My portfolio has been struggling. Who is your advisor?
Lois Jean Frueh. Look her up online, she's well-known.
Great content, Ari! Loved the dose of realism applied to the RUclips finance bro science out there! 👏🏻💯
Ari Taublieb, the “respectful roaster” 😇
Graham is no doubt a nice guy and has some good knowlege but his primary goal is to market his channel to younger, uninformed individuals that are easily influenced and thereby grow his viewer number and therefore income. He is not actually instructing or teaching them concepts and giving them knowlege thta will help them in the future. Rather, he is pushing content that is appealing and that they want to hear to feel good about themselves. He is not intentionally misleading, just not providing the important context and full information to build understanding in the listener. He presents his examples and statements in a neat, clean and steril statement without regard to how it will fit or even work in an imperfect world or for the people. Things aren't neet and clean like he tends top put everything. The fact of the matter is that "it depends" on everyones specific situation and mileage will vary. Good discussion Ari and I feel you are spot on with your observations and comments. Have a great week. Larry, Central Valley, Ca.
Been listening to him for years. He's not wrong in what you posted from his video, he's giving people a reality check not a "you should/could do this". Could be a little tongue-in-cheek which he does from time to time.
Always like a perspective from a professional!
"clickbait" is a lot nicer than I would phrase my opinion. There are innumerable financial youtubers that are innocently clueless. Graham Stephan is not one of those. At the very least he omits or disguises critical assumptions.
Love the program. Well done. I must take exception to one of your comments. "Going into debt for education" is good debt; this is a fallacy. I incurred $18,000 dollar cost getting my MBA. My ROI for this endeavor is $0.00. While I did not go into debt pursuing this endeavor, i missed out on the compounding effect of $18,000 not invested. If your employer pays for the higher education or credentials then it may be worth the effort. There is no guarantee that one will make up the expense/cost associated with an added credential or educational degree.
Good video on life balance vs frugality, but I'd push back on the credit card rewards - we've done 12K in cashback since 2016-2023, same cards no churning. Free money if you can pay it off monthly.
Thanks Ari, I really enjoyed the video!
Graham’s video takes no other variables.
I would have used Critiqued, not Exposed. :P
I agree and changed it!
I have beef/qualms with estimating you want to spend 50k a year in 10 yrs .. without mentioning inflation. 50k a year in 10 yrs will have the purchasing power of 39k yearly today...
Finfluencers tend to start out giving very solid advice but as time goes on it gets more reactionary. If you watch early Graham videos he really gives some awesome basics. But now I feel he's really trying to grab views.
I listened carefully and did not understand what exactly was exposed here?
Seems like Graham gives a few options to retire early based on different savings rates and corresponding number of years to achieve FIRE.
For me, having 50k yearly expenses is realistic. Saving 95k a year is also realistic... It is just a matter of lifestyle choice and ability to earn high income
Experienced CPA here. To me, the problem with Graham is that he has zero respect for education and experience. He thinks he can be a personal finance expert by regurgitating what he googled.
I need a pro like Ari who is capable of carefully analyzing and thinking for himself
Thank you!
Click bait. The car in the back he putis in the video so he can write it off. He is a very smart man when it comes to these things. Lol 😂😂😂
He’s got a likable personality and voice. I do think this garbage resonates with the FIRE community
Wow never realized how terrible Graham's audio was... until I compared it to yours
Never heard of Graham before and have no intention of ever watching him. It appears his channel could be a bit dangerous to young viewers who are easily influenced. Hopefully, they at least get a good lesson in saving.
Graham S was caught on the Plain Bagel for taking money and pushing product as a financial "influencer" without disclosing that he was being paid. He at least admitted it when confronted. Be careful with any advice you are receiving, especially free financial advice that involves products or systems.
I've been frugal my entire life, but I find the FIRE movement somewhere between morally bankrupt and asinine. I think it comes down to their inability to find satisfaction in work, so they live for money.
Sorry, I didn't care for this type of episode.
A "Little Click Baitie".....but. LIKE
What. Plan costs $$. We want free!😮