The housing market is inflated and oversaturated with homes being on the market with astronomical price tags just stagnant for months. It is very clear that our generation will be likely one of the most devastating bubble pops in modern history. Seeking best possible ways to grow 250k into $1m+ and get a good house for retirement, I'm 54
The stock market is likely the best smart investment. However, if you are thinking of investing in the stock market and you are not well versed, its advisable to work with a financial advisor who is an expert to guide you through the process. this way you could make more profit with less risk
I agree. I've been working with a financial advisor since 2020, and I return up to 12k every month, and I don't even have to lift a finger. Although I also think the reason I make this much is because I started with significant capital.
My CFA, Judith B. Richards, is a renowned figure in her field. I recommend researching her name online; you’ll find all her credentials and everything you need to work with a reliable professional. With many years of experience, she is a valuable resource for anyone looking to navigate the financial market.
I just looked up her website on google and I would say she really has an impressive background in investing. I have sent her an email hope she gets back to me soon. Thanks
I’ve been reading a lot about how stocks might be a better investment than real estate in 2025. Housing prices are still high in many areas, and the returns on stocks could be more flexible and liquid.
That’s a fair point. Buying a house ties up a lot of capital, especially with mortgage rates still elevated. Stocks can offer higher potential growth, and you’re not locked into one location or property.
But don’t you think owning a home gives you stability? Plus, you can build equity over time and avoid paying rent. With stocks, there’s always market volatility to worry about.
That’s great to know! I might look him up because, honestly, the decision between real estate and stocks feels overwhelming. It sounds like he provides personalized advice based on your situation, which is what I need right now.
Real Estate isn't as passive as people think. It's a lot of work and expenses. Repairs maintenance, taxes, insurances etc can wipe you out. Being a full-time landlord is a job, dealing with tenants is a hassle. You're paying more interest on your loan than the house cost itself. Most rental owners I know are very tight with liquid cash, they are barely cash flowing and under constant pressure. Index funds are way better, index funds won't call you 3am at night about a flooding toilet.
Your last sentence says it all. When my husband and I got married I considered keeping my house and renting it out. My husband convinced me that I don't want to be a landlord, especially a residential landlord. Too many headaches. He had been a commercial landlord for a period of time and was glad to be done with that.
Valid af its work but most prefer to work for themselves have "control" over an asset stocks are controlled by Pelosi and friends. So either way its all a game I just prefer not to be around shady digital manipulated and corrupted numbers on a screen aka stock market. God Bless and definitely diversify and stay committed either way 🙏
With all things being equal (if that's possible) the best landlord's on balance are those with a property that is paid off. Underfunded landlords are a pain in the ass for the renter and for the owner themselves. Friends of mine have many rental properties but every one of them is paid off. They never rent a house with a mortgage. They buy a house and live in it and do a rapid pay off of the mortgage once paid off that becomes a rental. Repeat the process. Today they no longer need to move they just save up money from their rentals for their next purchase. Since the property is paid off they can be very selective to who they rent to plus their rents are 25% to 40% less than the going rate. Why?? Very low turnover of renters who pay on time and don't beat the crap out of the property!
After creating a ridiculous spreadsheet comparing real estate and stocks I came to the conclusion that real estate has a somewhat higher return than stocks. But I was honest with myself and concluded that I wasn't willing to put in the work to do real estate and that I would rather have the extra free time. I haven't regretted my decision.
That’s fair, at least you’re honest, this guy Graham is a complete liar and hypocrite. Its gross. It’s like his end goal is to deceive people and throw up click bait for views. Instead of helping people who need to get educated, he deceives them with Clickbait
@@McNelisG This is the first vid of his I've seen in a while. His 2017~2020 videos and older he gives solid advice then. I feel like he has covered so much financial content he's running out of original ideas. Kinda unavoidable when you make specific content. (Love your work Graham)
Well, what makes me an outlier I guess! I am 57 year-old English immigrant, with zero interest in tech or stocks, and yet I am 110% committed to Bitcoin. I would describe myself as an extreme conservative/libertarian. I have been involved in UK politics for some time, and the main thing that drove me to study Bitcoin and ultimately recognise its value to Humanity was the threat posed by an over-weening government, first in the UK and lately in the US also. I regard the CBDC as the final brick in the wall of the totalitarian prison the world's governments are building for us. And Bitcoin is the ultimate defence against a tyrannical government.r.....I've been engaged in active trading and managed to grow a nest egg of around 2.3Bitcoin to a decent 24Bitcoin....I'm especially grateful to Francine Duguay, whose deep expertise and traditional trading acumen have been invaluable in this challenging, ever-evolving financial landscape.
The pump and dump has been a perfect eyeopener for us all to really see how unpredictable the market can be and the need for us to be trading not just seat and hodl.
I believe investors should always put their cash to work, especially now that we're in 2025, as we'll start to see more market diversification. Given the recent performance of stocks, it's safe to say that the stock market is the smartest investment option available. I hope others feel same way.
Of course, you are not alone.. However, if you are investing in the stock market and you are not well versed, its advisable to work with a financial advisor who is an expert to guide you through the process. I have been making more with less risk since i started working with one
I don’t let uncertainties sway my judgment based on hearsay. Back in 2020, I was holding onto some poor stocks, but I was fortunate enough to revamp my portfolio with a professional's help before I saw some significant gains. To date, I’ve achieved nearly a 320% ROI over the last four years. My advisor and I are now working towards a seven-figure target, and we’re getting close.
I've worked in real estate for over 25 years and have neglected a major stock portfolio. This served me well when I was flipping and renting houses, however I need a different plan now.. mind if I look up the professional guiding you please?
Absolutely, there are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’Brenda Davies Clarke” for about five years now, and her performance has been consistently impressive.She’s quite known in her field, look-her up.
Thanks for the suggestion! I really needed it. I looked her up on Google and explored her website; she has an impressive background in investments. I've sent her an email, and I hope to hear back from her soon!
I tried to do rentals at a 7+% interest rate. The cash on cash return is so low it's not even close to being worth the time/stress. If I just invested the down payment I wouldn't have lost money on the closing cost and would have made 30% on a simple S&P index ETF. IMO don't listen to these gurus that say to buy real estate, just buy index funds and if you really want some real estate just buy a stock REIT. You get your passive income, little risk and high liquidity.
From $37K to $45K that's the minimum range of profit return every week I think it's not a bad one for me, now I have enough to pay bills and take care of my family
True, I have been in touch with a brokerage advisor. With an initial starting reserve of $12k, my advisor chooses the entry and exit commands for my portfolio, which has grown to approximately $110k
Harder now for the average person to afford homes we're being priced out from being able to own a property by people who keep buying up homes and renting it out
Agreed, if I were just starting out with investing today then Stocks has a much lower barrier to entry. You can start with just a few dollars. Real estate takes much more capital
What you’re failing to point out is that if you bought a house at the peak of the market in 2007-2008 and held it till today, you’d still have almost doubled your money. My point is, that it’s always a good time to buy, it might not be a good time to buy a property to turn it into a rental. You’re only giving 1/2 of the story.
Bought my home in 2021 at 2.625%, we got so lucky. I was 23 and had no idea what I was doing. I was a homeless kid and no one in my family could offer any advice. I can't wait to get to the point where I'm investing more and things just start to snowball. I know it's exponential, but it's hard being on the part of the curve where it feels like progress is still so slow.
DO NOT GET INTO MORE DEBT. As someone whose parents made me buy a car way expensier that I wanted/could afford, your money is your best asset since when you have enough of it you can get better deals. You dont really need this advice but for anybody who can read this
Close as it gets to winning the lottery lol be frugal and don’t overspend, live there (i doubt you can rent anything cheaper) and invest as much as possible
I bought in 2019 in Denver, and I felt the same way. No idea what I was doing. I was terrified the market would crash right after I bought in. In 2021 I refinanced and went from a 4.5% to 2.8%. I have 500k in equity 5yrs later. Can’t even believe it. Grateful I didn’t wait.
@@zulu3779the ole SPY is was I use. Anything the tracks the s&p 500 is fairly stable. Be sure you understand what you are purchasing before you listen to a random person on the internet though 😅
I hit $88k today. Thank you for all the knowledge and nuggets you had thrown my way over the last months. Started last month 2024. Financial education is indeed required for more than 70% of the society in the country as very few are literate on the subject.
It's essential for you to have a mentor to keep you accountable. Myself, I'm guided by Evelyn Vera. for years and highly recommend her I focus on her. To be honest, I almost didn't buy the idea of letting someone handle growing my finance, but so glad I did.
Oh I love that woman so much I started pretty low, though, $4000 thereabouts. The return came massive. Justin is in school doing well, telling me of new friends he's meeting in school. Thank you Evelyn Vera, you're a miracle.
Wow... I know her too she is a licensed broker and a FINRA agent she is popular in US and Canada she is really amazing woman with good skills and experience.
$500 in XAI97C is relatively small but the 1000% or 2000% for next year, btw that does make sense if you understand them, is actually a steal and should be used
As you mentioned, it is very hard to quantify and put a price on your own place. I was determined and in late 2023 I found my house, got a great deal because so many people were avoiding the market due to rates, and it has been a great experience. Tons of work, plenty of surprises one of which was fairly costly. But I bought a house well within my means and my mental health is so much better since I'm no longer having to not do hobbies or sneak working my cars in my apartment garage lol. It's not an investment, it's a place to live and one of the best decisions I have ever made. Never looked at my house as an investment, and was always determined to make it happen. I'm just over a year with no regrets and do as much work as I can myself and back to my hobbies and enjoying myself.
Many real estate agents I spoke to said the same thing- don't look at house as an investment although buying one at good location with good education system are plus. Buy a house when you NEED it. To simply make more money, putting money in Index fund will most likely provide higher return than the house for the same given period.
Thanks for the comment. I’m seriously looking at buying a condo in the next month or two (despite the massive prices) because I want to have my own garage, office…etc I know stocks go up much more (though real estate is leveraged), but if it works out I think I’m still going to buy. I just want a home. I’ll still rent to a roommate to bring down my sunk costs (not going to equity) to similar to rent, but that way I get to choose my own roommate/use my own space…etc
I’m surprised you didn’t make another video about the housing market crash. You’ve been saying it’s going to crash every single year multiple times throughout the year for at least the six years.
Have you ever watched those videos? Or do you just read the title and not click? I have never called for a housing crash, if you actually watch the videos I’ve been pretty optimistic for housing.
@@GrahamStephannahhh sorry graham. I like you but you have made thumbnails with houses on fire saying crash coming. Clear value tax has called you out on it.
I'm retired at 39, This video here reminds me of my transformation from a nobody to having over 65,000 biweekly profit, a honest partner and a good daughter full of love ❤️
Hi Graham, devastating times in Los Angeles. Can you make a video on how the fires are going to affect California and the National economy? I head government spent incredible amounts of money to fight the fires
Appreciation figure of single family homes depends on who you ask. Of course NAR cites a large number. Yale number of US single family homes is between 1915 and 2015 is 0.5% annually after inflation and sunken costs. I tend to believe the return is closer to the .0.5% rather than the real estate self serving number
I suggest you offset your real estate and get into stocks, A recession as bad it can be, provides good buying opportunities in the markets if you’re careful and it can also create volatility giving great short time buy and sell opportunities too. This is not financial advise but get buying, cash isn’t king at all in this time!
One strategy for protecting against a recession is to buy equities. Investors, especially during a recession, need to know where and how to put money in order to make money while avoiding inflation.
It has never been easier to understand how to build your money than it is right now, when you may study and experience a completely variegated market passively by employing a successful portfolio-advisor. The impacts of the U.S. dollar's gain or fall on investments, in my opinion, are complex.
Working with a Financial Advisor to help guide you on your wealth-building journey if you're just starting out is a wonderful way to get started and thats how i was able to accrued good gains . They helps to manage investment overall risk profile , prevent permanent loss of capital consider maintaining a broad diversification of your investments that reflects your personal risk tolerance, time horizon, and the nature of your financial goal
There are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with Carol Vivian Constable for about five years now, and her performance has been consistently impressive. She’s quite known in her field, look her up.
A key factor often overlooked is that over 25% of new homes are being acquired by investors, rather than individuals seeking primary residences. Even if Baby Boomers decide to offload their properties or more housing stock enters the market, it won’t alleviate the underlying issue. Wealthy investors will continue to absorb the available inventory, which will keep home prices elevated.
There's also a lack of discussion about the role that major financial institutions-banks, private equity firms, and giants like BlackRock-played by purchasing properties post-2008, treating them as investment assets. It's impossible to fully understand the current housing crisis without acknowledging this trend. Additionally, larger luxury properties are inherently more profitable than smaller, more affordable homes, leading developers to prioritize luxury developments for higher returns.
While I anticipate a future decrease in home prices, I currently recommend diversifying investments away from real estate. Shifting capital into the financial markets or commodities like gold is a safer bet given the current high mortgage rates, recession indicators, and tightened lending standards. Housing prices might need to correct by 40-50% before the market stabilizes. In uncertain times like these, getting independent financial advice from a market-savvy expert is essential.
I consistently recommend Rebecca Lynne Buie as my top choice. She is well-known for her expertise in financial markets and has an impressive track record. I highly endorse her services.
Ive been torn, my partner wants to buy a house but the average mortgage in our area is 3800+ meanwhile i can rent something similar for 2500, i dont want to buy right now id prefer to rent and save, but my partner is super pushy, but im holding my ground because i think its the worse time to buy
Buy now. Since interest is high, the house price will be lower which means property tax will be lower. Also, no bidding war. After a year, you can refinance when the feds cut the rates. Then you get triple benefit, low house price, low property tax, and lower interest.
@@rishabhjain2404you don't know how this works. The Fed has already cut short term rates, but they don't control mortgage rates which are long term. Short term rates came down but long term rates have gone up.
I have horror stories owning a rental. my left right and behind neighbors are giving me trouble in turn. my property leaks every couple of month and there was a big leak and 10+k is gone. sometime late ish night, tenant have no heat/AC. sometime late ish night, tenant clogged the sewer line. sometime tenant complains about other tenant's garbage placement. sometimes, hurricane comes, my house leaks. sometimes, tenant appliants broke. I only cash flow about $300 for this property. And i have a fking full time job. 300 for all this trouble? I have absolute 0 interest in managing properties. I m deep in negative atm. to make it worse, i m seeing moderate increase on home insurance, property tax and massive jump of utility bill while I hesitate to ask my tenant pay more rent.
@@alexwenger9655 lol We are supposed to feel bad for the landlord. You missed that memo? They sign up knowing all the risks, then they whine and we are supposed to feel bad. Get with the program bro.
I like the perspective that investing into real estate is more of a side hustle than an investment. It’s a high ROI side hustle since you’re building equity through renting out to tenants and doing upgrades/renovations slowly over time
The challenge is that whether you rent or own, there are unavoidable costs associated with maintaining a permanent residence-property taxes, insurance, and utilities like electricity, gas, and water. In places like California, where I currently live, the high cost of living has pushed many people to opt for alternatives. It’s not uncommon to see individuals living in tents to avoid property-related expenses, and the number of people I encounter who reside in their cars is truly surprising. It’s a sign of how extreme the situation has become.
The market continues to escalate daily. Home prices are exorbitant, and mortgage rates have surged beyond 7%. I often debate whether it's smarter to park my cash in the stock market and wait for a potential housing crash or bite the bullet and purchase a home now.
I understand your concerns. I'm 50 and planning to retire early, and the uncertainty of the financial future, especially around housing and investments, is concerning. I’m also considering my first stock market investment, but the volatility this year has been intimidating.
I consistently recommend Rebecca Lynne Buie as my top choice. She is well-known for her expertise in financial markets and has an impressive track record. I highly endorse her services.
Pulled 2k outta Elizzarda yesterday, thinking about either jumping into a solid token or putting it back in. What do you think, which ones are gonna moon soon?
I remember when I trusted this guy enough to put money into one of his "completely safe" banks he recommended. Now thousands of us are out millions and millions of dollars combined. Houses foreclosed on, savings gone, people without food. The unfortunate reality of misplacing trust in a financial youtuber.
Hope mentally your pullback from RUclips has been working out for you. Miss your videos on the regular. Appreciate this one in particular as I always feel like I’m missing out not owning an investment property.
I think it's time to make it more appealing for potential buyers. Real estate can be quite the rollercoaster! the stress and uncertainty are getting to me. I think I'll cut rents to attract potential buyers and exit the market, but i'm at crossroads if to allocate the entire $680k liquidity value to my stock portfolio?
"Overall, buyers hold a lot of the cards right now, and sellers are having to give out more concessions to close a deal." All the best, buying on sale is actually one of the best ways to invest in stocks, and advisors are ideally suited for such task
Due to my demanding job, I lack the time to thoroughly assess my investments and analyze individual stocks. Consequently, for the past seven years, I have enlisted the services of a fiduciary who actively manages my portfolio to adapt to the current market conditions. This strategy has allowed me to navigate the financial landscape successfully, making informed decisions on when to buy and sell. Perhaps you should consider a similar approach.
There are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’ Carol Vivian Constable” for about five years now, and her performance has been consistently impressive. She’s quite known in her field, look-her up.
I just looked her up on the internet and found her webpage with her credentials. I wrote her a outlining my financial objectives and planned a call with her.
Isn't it a bit strange to support dollar cost averaging with stocks, which suggests there is a never a bad time to buy stocks, including when they appear expensive. And, yet not support buying a house in 2025 because it appears to be expensive? What happens to the would be homebuyer that buys stocks instead when their stocks correct, and property values continue to increase, making purchasing a home even further out of reach?
This video is such an eye-opener! Graham does an incredible job breaking down the pros and cons of investing in real estate versus stocks with clear, detailed numbers. It’s so refreshing to see a balanced perspective that shows real estate isn’t always the guaranteed winner people think it is-especially in today’s market with higher interest rates and rising costs. The takeaway for me: success in either strategy depends on timing, research, and knowing your personal goals. Real estate can be powerful if you buy smart and manage well, but index funds are an amazing, low-maintenance option for consistent long-term growth. Thank you, Graham, for always being transparent and putting out content that genuinely helps people make informed financial decisions. Truly one of the most valuable channels out there!
@@michaelmich00 you got me 😕 I used ChatGPT to create a summary of Graham's video to hopefully add value to anyone who read it. If that makes me a bot, nice to meet you 👋🏼🤖
Just the viedo I wanted to see, I own myself 15 rental apartments here in Poland. Mostly purchased them prior to 2021-2022. They have appreciated well and yielded robust returns so far. Those bought in 2023 and 2024 are not performing so well now (high purchase and remodelling price). I am now considering swapping to dividend stocks and etfs, as property prices are so high, repairs and maintenance costs have gone sharply up, and all the issues that may crop up with the tenants. Stock market is hassle-free, especially as you are getting older.
Stocks are relatively easy to sell. Shares are traded on markets with technological tools. Real estate is more difficult. Human realtors exist due to the complicated process of connecting owners with either buyers or renters.
Nice analysis, but real estate is king for people concerned about taxes, particularly high income folks. After considering taxes and creative strategies taking advantage of short term rental exception, real estate wins. If you’re married with a non working spouse, it’s not even close….
As an lnvesting enthusiast, I often wonder how top level investors are able to become millionaires off investing. . I’ve been sitting on over $545K equity from a home sale and I’m not sure where to go from here, is it a good time to buy into stocks or do I wait for another opportunity?.
If you are thinking of investing in the stock market and you are not well versed, its advisable to work with a financial advisor who is an expert to guide you through the process. this way you could make more profit with less risk
Working with a financial advisor has been a game-changer for me. They provided invaluable insights and tailored strategies that aligned perfectly with my risk tolerance and financial objectives. With their support, I've seen significant growth in my investments and gained confidence in my financial future.
My CFA ’’ Sharon Ann Meny, a renowned figure in her line of work. I recommend researching her credentials further. She has many years of experience and is a valuable resource for anyone looking to navigate the financial market..
I just googled her and I'm really impressed with her credentials; I reached out to her since I need all the assistance I can get. I just scheduled a caII.
Its not a direct comparison, dont forget that investing into real estate its a real job. Its an active source of income and you spend a lot of time finding the best location, finding deals and selling the property while also investing in maintenance . While with investing in the sp500 its passive income.
With the style of real estate investing he described, yes stocks are better than buying a $500k house that rents for $3,500/mo with high interest rates. Real estate can be better if you find properties where rent = 1% or more of the purchase price or if you find deals that have equity in them.
We started in the same year - 2012. My first house was $61,100 … in Las Vegas. Today worth $275K, getting $1650 in rent. So you did better, but I still git 5X my price (was 300K+). But what good is that equity? Can’t spend it, can’t borrow against it now (rates too high), and can’t sell because taxes and commissions would leave me with only $150K. At that price I’m a buyer again - all day long. Give me my house back! So I’m stuck with what I call “nonperforming equity.” 😺 BTW - $1500 rent for a 400K property is a poor return - not even half a percent. Mine is better, though mostly because the value stayed lower. And taxes are much less in NV.
I recommend your first home be a 2-4 unit property in the best area-best schools, low crime. Owner occupied one unit gets favorable financing. After a year or two can buy another it buy a house and rent all units.😊
Maybe I missed it, but I don’t see the aspect of your renters paying the mortgage off in your calculations. If you bought a house for $100k and the renters paid it off, you basically get a free house. My realtor had 25 rentals. After the renters paid them all off, he took loans out on most of them, kept the cash tax free and started the process over again.
Stocks in the long run give better returns than real estate, nothing new there, but you also take on more risk that way. Also, real estate is the best at creating cash flow, especially if you own it outright. No dividend stock can compete with real estate when it comes to cash flow. If it can, then you're also taking on much more risk. Granted, real estate takes a lot more money to own outright, unlike stocks. However, you should have BOTH in your portfolio. Stocks for growing your money, real estate for its cash flow 🤷♂️ that's true financial independence imo.
Just remember. Behind every real estate investor what makes tons of money is family what goes pay check to pay check due to this type of greedy parsites.
Hey, there’s something important to keep in mind if you own rental real estate. You can write off a significant amount of the cost, not to mention property taxes and other expenses. And guess what? If you decide to sell your property, you might qualify for the Homestead exemption, which can save you up to 250,000 per person or 500,000 for a married couple. That’s a whopping 500,000 in gains that won’t be taxed! But here’s the catch: if you sell that stock, you’ll have to pay all the taxes, no exceptions. So, it’s a double-edged sword. This video is definitely not accurate and could be considered disinformation.
Tax free retirement accounts exist. And you are able to pull money out of those accounts before retirement (in many cases, avoiding early withdrawal penalties).
This guy will convince you to sell your house so he can purchase it and rent it out to you.. Everyone should become a homeowner so that eventually you no longer have a rent payment every month for the rest of your life.
Obviously you’ve never watched him before. That plan is to buy when prices are down as well as interest rates. He buys houses you can’t afford so you’re not his “victim”
Yup, I’ve owned my home then rented it out and moved and rented a place for myself and renting sucks. I pay 4k a month for rent and it stings no matter how much money I make in a month. Even if u have some big costs come up for the home you own, it doesn’t sting much. Just upkeep on your asset. Rent is cool in cheap areas or if you’re young either roommates or just don’t have enough saved to buy. But even at 7% I think I’m going to try and buy a new home soon. Unfortunately anything around me is at least 1m$ but it’s still worth it
@@cesarmoreno891 So you’re one of these goofballs who think they can time the market and have everything work out for them at the perfect time. Good luck with that. Doesn’t work that way, just as it doesn’t with stocks buddy.
@@cesarmoreno891 my house is worth more than a few Grahams investment homes he shows in this video buddy. He buys shitty condos and entry level homes. The ones that families are fighting for…..I suggest you educate yourself instead of believing the click bait crap that he shares for views on RUclips. There is a lot better information out there. Try watching the educated homebuyer. You will get accurate information there unlike this hypocrite Graham.
The whales in Real estate do not want recent young investor who start making money to enter the housing market..at least that how I feel in my experience coz every time I think my down payment is big enough and ready to purchase others come with even more down payment as if they’re just printing money
Stocks are much more of a passive investment versus real estate. Even as an active investor, picking my own stocks, I can sit at home and do my investing on my phone while reclining on the sofa. Stocks don’t require maintenance, but do require a bit more financial savvy and insight to be successful with. Most investors don’t now the difference between an investment and speculation, and end up viewing the stock market as a casino. The truth could not be farther from that perception, and the big fortunes in this modern world are made in equities, in productive businesses, versus in the liability that real estate often represents.
Very well said @CarlWithACamera , I prefer stock investing and while I own my own home, I am very tempted to buy my neighbors house simply because of its unique location, hopefully at a good price. Just trying to make sure its worth it though, for the hassle of being a land lord again.
The housing market is inflated and oversaturated with homes being on the market with astronomical price tags just stagnant for months. It is very clear that our generation will be likely one of the most devastating bubble pops in modern history. Seeking best possible ways to grow 250k into $1m+ and get a good house for retirement, I'm 54
The stock market is likely the best smart investment. However, if you are thinking of investing in the stock market and you are not well versed, its advisable to work with a financial advisor who is an expert to guide you through the process. this way you could make more profit with less risk
I agree. I've been working with a financial advisor since 2020, and I return up to 12k every month, and I don't even have to lift a finger. Although I also think the reason I make this much is because I started with significant capital.
Could you kindly elaborate on the advisor's background and qualifications?
My CFA, Judith B. Richards, is a renowned figure in her field. I recommend researching her name online; you’ll find all her credentials and everything you need to work with a reliable professional. With many years of experience, she is a valuable resource for anyone looking to navigate the financial market.
I just looked up her website on google and I would say she really has an impressive background in investing. I have sent her an email hope she gets back to me soon. Thanks
Bro moves his arms more than the dealership inflatables.
Thought the exact same thing… terrible.
@@DaqPorterBridges There’s a good reason for that.
If you had a successful RUclips channel, you’d know why.
Look how they massacred my boy.
It’s keeping you attentive
@@tabbycat8511😂😂
I’ve been reading a lot about how stocks might be a better investment than real estate in 2025. Housing prices are still high in many areas, and the returns on stocks could be more flexible and liquid.
That’s a fair point. Buying a house ties up a lot of capital, especially with mortgage rates still elevated. Stocks can offer higher potential growth, and you’re not locked into one location or property.
But don’t you think owning a home gives you stability? Plus, you can build equity over time and avoid paying rent. With stocks, there’s always market volatility to worry about.
That’s great to know! I might look him up because, honestly, the decision between real estate and stocks feels overwhelming. It sounds like he provides personalized advice based on your situation, which is what I need right now.
@@SergioRomano-nj8ebYeah, the you still need a place to live 😂
@@TheSH1N1GAM1 These are bots bro
Real Estate isn't as passive as people think. It's a lot of work and expenses. Repairs maintenance, taxes, insurances etc can wipe you out. Being a full-time landlord is a job, dealing with tenants is a hassle. You're paying more interest on your loan than the house cost itself. Most rental owners I know are very tight with liquid cash, they are barely cash flowing and under constant pressure. Index funds are way better, index funds won't call you 3am at night about a flooding toilet.
Your last sentence says it all. When my husband and I got married I considered keeping my house and renting it out. My husband convinced me that I don't want to be a landlord, especially a residential landlord. Too many headaches. He had been a commercial landlord for a period of time and was glad to be done with that.
Valid af its work but most prefer to work for themselves have "control" over an asset stocks are controlled by Pelosi and friends. So either way its all a game I just prefer not to be around shady digital manipulated and corrupted numbers on a screen aka stock market. God Bless and definitely diversify and stay committed either way 🙏
With all things being equal (if that's possible) the best landlord's on balance are those with a property that is paid off. Underfunded landlords are a pain in the ass for the renter and for the owner themselves.
Friends of mine have many rental properties but every one of them is paid off. They never rent a house with a mortgage.
They buy a house and live in it and do a rapid pay off of the mortgage once paid off that becomes a rental. Repeat the process. Today they no longer need to move they just save up money from their rentals for their next purchase.
Since the property is paid off they can be very selective to who they rent to plus their rents are 25% to 40% less than the going rate. Why?? Very low turnover of renters who pay on time and don't beat the crap out of the property!
RE is 0% passive, stocks are 100% passive
oh yh all for long term net worth appreciation
After creating a ridiculous spreadsheet comparing real estate and stocks I came to the conclusion that real estate has a somewhat higher return than stocks. But I was honest with myself and concluded that I wasn't willing to put in the work to do real estate and that I would rather have the extra free time. I haven't regretted my decision.
Facts
W
That’s fair, at least you’re honest, this guy Graham is a complete liar and hypocrite. Its gross. It’s like his end goal is to deceive people and throw up click bait for views. Instead of helping people who need to get educated, he deceives them with Clickbait
💯
@@McNelisG This is the first vid of his I've seen in a while. His 2017~2020 videos and older he gives solid advice then. I feel like he has covered so much financial content he's running out of original ideas. Kinda unavoidable when you make specific content. (Love your work Graham)
Honestly Graham this is one of your best videos in a long time.
Agreed
I can't even remember when "what's up graham, it's guys here" started anymore
Wow didn’t catch that until i saw your comment.
Wow , what does that even mean? Whats up graham? ...who's he talking to? So hes name is guys? Not graham?
He used to say "correctly" and people in chat responded as "what's up graham, it's guys here", so he started saying that instead 😄
up
it was 3+ years ago IIRC
Well, what makes me an outlier I guess! I am 57 year-old English immigrant, with zero interest in tech or stocks, and yet I am 110% committed to Bitcoin. I would describe myself as an extreme conservative/libertarian. I have been involved in UK politics for some time, and the main thing that drove me to study Bitcoin and ultimately recognise its value to Humanity was the threat posed by an over-weening government, first in the UK and lately in the US also. I regard the CBDC as the final brick in the wall of the totalitarian prison the world's governments are building for us. And Bitcoin is the ultimate defence against a tyrannical government.r.....I've been engaged in active trading and managed to grow a nest egg of around 2.3Bitcoin to a decent 24Bitcoin....I'm especially grateful to Francine Duguay, whose deep expertise and traditional trading acumen have been invaluable in this challenging, ever-evolving financial landscape.
The pump and dump has been a perfect eyeopener for us all to really see how unpredictable the market can be and the need for us to be trading not just seat and hodl.
Got a chance to benefit from her services a few weeks ago and it has been a very smooth experience.
Thank you…. I have searched her up Google I think I am satisfied with her experience.
Best signal provider in the market. Knowledgeable, level headed no loss like some other traders who recently jumped on the bandwagon
The fact that i got to learn and earn from her program is everything to me think about it, it's a win win for both ways
Great video. I am ballsdeep for XAI97C and love your review for that as well
Super interesting breakdown! And thanks for the shoutout!!
Been collecting the XAI97C this cycle as that has the right place in this time
You have to put 50% down on a house to break even if you rent it out. It doesn’t make sense at all in today’s market.
@@romangabriel007 only if you don’t have money.
@@McNelisGexactly. You shouldn't finance a rental. Just wait and buy in cash.
@joe_ferreira I wouldn't want to lock up that amount of cash into one property when you could finance it
Nope! Put that money in index or mutual fund make way more money than the rental property. Maintenance free!
@@joe_ferreirait’s always better to leverage others money instead of yours
I believe investors should always put their cash to work, especially now that we're in 2025, as we'll start to see more market diversification. Given the recent performance of stocks, it's safe to say that the stock market is the smartest investment option available. I hope others feel same way.
Of course, you are not alone.. However, if you are investing in the stock market and you are not well versed, its advisable to work with a financial advisor who is an expert to guide you through the process. I have been making more with less risk since i started working with one
I don’t let uncertainties sway my judgment based on hearsay. Back in 2020, I was holding onto some poor stocks, but I was fortunate enough to revamp my portfolio with a professional's help before I saw some significant gains. To date, I’ve achieved nearly a 320% ROI over the last four years. My advisor and I are now working towards a seven-figure target, and we’re getting close.
I've worked in real estate for over 25 years and have neglected a major stock portfolio. This served me well when I was flipping and renting houses, however I need a different plan now.. mind if I look up the professional guiding you please?
Absolutely, there are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’Brenda Davies Clarke” for about five years now, and her performance has been consistently impressive.She’s quite known in her field, look-her up.
Thanks for the suggestion! I really needed it. I looked her up on Google and explored her website; she has an impressive background in investments. I've sent her an email, and I hope to hear back from her soon!
Is XAI97C still usable? I wanna have some of that
I tried to do rentals at a 7+% interest rate. The cash on cash return is so low it's not even close to being worth the time/stress. If I just invested the down payment I wouldn't have lost money on the closing cost and would have made 30% on a simple S&P index ETF.
IMO don't listen to these gurus that say to buy real estate, just buy index funds and if you really want some real estate just buy a stock REIT. You get your passive income, little risk and high liquidity.
How long can we bring XAI97C up?
Will ETH 2x? 3x? Maybe. But add two more 00 to that for XAI97C having 200x or better
From $37K to $45K that's the minimum range of profit return every week I think it's not a bad one for me, now I have enough to pay bills and take care of my family
Anyone who's not in the financial market space right now is making a huge mistake. Simply get a coach and make your money work for you
True, I have been in touch with a brokerage advisor. With an initial starting reserve of $12k, my advisor chooses the entry and exit commands for my portfolio, which has grown to approximately $110k
Please can you leave the info of your investmentadvisor here? I'm in dire need of one
Elise Bernadette Murray is her name. She is regarded as a genius in her area. Just search her name on the internet
she's active on What's Apps!!
I personally love Real Estate. I have multiple houses and own a hotel. I am invested in Stocks as well because its smart to be diversified.
Agreed, lately it seems like real estate has been much larger to see a positive return
stocks are way better if you're just an average joe not looking to invest thousands of hours and $$$
Harder now for the average person to afford homes we're being priced out from being able to own a property by people who keep buying up homes and renting it out
Agreed, if I were just starting out with investing today then Stocks has a much lower barrier to entry. You can start with just a few dollars. Real estate takes much more capital
You are the reason so many Americans are homeless. You own multiple houses.
For the next bullrun and yes that's still out there, XAI97C gonna be the main horse
What you’re failing to point out is that if you bought a house at the peak of the market in 2007-2008 and held it till today, you’d still have almost doubled your money. My point is, that it’s always a good time to buy, it might not be a good time to buy a property to turn it into a rental. You’re only giving 1/2 of the story.
I think one thing you’ve missed in the comparison is capital gains taxes on stocks if you’re not investing in a retirement account.
Where can I buy the XAI97C
These moves somehow affect XAI97C nowhere, obviously smart decisions prevail.
I am comitted with XAI97C and a bit of ADA, too much potential
BRETT and XAI97C are ATH kings. Thank you for making my day with your POV
Bought my home in 2021 at 2.625%, we got so lucky. I was 23 and had no idea what I was doing. I was a homeless kid and no one in my family could offer any advice. I can't wait to get to the point where I'm investing more and things just start to snowball. I know it's exponential, but it's hard being on the part of the curve where it feels like progress is still so slow.
DO NOT GET INTO MORE DEBT. As someone whose parents made me buy a car way expensier that I wanted/could afford, your money is your best asset since when you have enough of it you can get better deals. You dont really need this advice but for anybody who can read this
Keep that loan do not pay it off no matter what debt-o-phobes tell you.
Just buy snp 500 and wait.
Close as it gets to winning the lottery lol be frugal and don’t overspend, live there (i doubt you can rent anything cheaper) and invest as much as possible
Lucky you im 32 now anf wish i was able to afford a house where i work. Gotta live with my parents still.
I bought in 2019 in Denver, and I felt the same way. No idea what I was doing. I was terrified the market would crash right after I bought in. In 2021 I refinanced and went from a 4.5% to 2.8%. I have 500k in equity 5yrs later. Can’t even believe it. Grateful I didn’t wait.
Sticking to index funds, no hassle and great wealth builder. Easy money :).
Agreed!
What index fund do you recommend?
I have fidelity
@@zulu3779the ole SPY is was I use. Anything the tracks the s&p 500 is fairly stable. Be sure you understand what you are purchasing before you listen to a random person on the internet though 😅
@@GrahamStephan what will you do when the housing market crash?
Any recommendations for index funds?
No bull run can exist without the impressive XAI97C
I hit $88k today. Thank you for all the knowledge and nuggets you had thrown my way over the last months. Started last month 2024. Financial education is indeed required for more than 70% of the society in the country as very few are literate on the subject.
It's essential for you to have a mentor to keep you accountable. Myself, I'm guided by Evelyn Vera. for years and highly recommend her I focus on her. To be honest, I almost didn't buy the idea of letting someone handle growing my finance, but so glad I did.
Damn that's huge, how do you make that much monthly?.. I have been looking for ways to be successful, please how??
It's Ms. Evelyn Vera doing, she's changed my life.
Oh I love that woman so much I started pretty low, though, $4000 thereabouts.
The return came massive. Justin is in school doing well, telling me of new friends he's meeting in school. Thank you Evelyn Vera, you're a miracle.
Wow... I know her too she is a licensed broker and a FINRA agent she is popular in US and Canada she is really amazing woman with good skills and experience.
$500 in XAI97C is relatively small but the 1000% or 2000% for next year, btw that does make sense if you understand them, is actually a steal and should be used
As you mentioned, it is very hard to quantify and put a price on your own place. I was determined and in late 2023 I found my house, got a great deal because so many people were avoiding the market due to rates, and it has been a great experience. Tons of work, plenty of surprises one of which was fairly costly. But I bought a house well within my means and my mental health is so much better since I'm no longer having to not do hobbies or sneak working my cars in my apartment garage lol.
It's not an investment, it's a place to live and one of the best decisions I have ever made. Never looked at my house as an investment, and was always determined to make it happen. I'm just over a year with no regrets and do as much work as I can myself and back to my hobbies and enjoying myself.
Many real estate agents I spoke to said the same thing- don't look at house as an investment although buying one at good location with good education system are plus. Buy a house when you NEED it. To simply make more money, putting money in Index fund will most likely provide higher return than the house for the same given period.
Thanks for the comment. I’m seriously looking at buying a condo in the next month or two (despite the massive prices) because I want to have my own garage, office…etc I know stocks go up much more (though real estate is leveraged), but if it works out I think I’m still going to buy. I just want a home. I’ll still rent to a roommate to bring down my sunk costs (not going to equity) to similar to rent, but that way I get to choose my own roommate/use my own space…etc
The freedom is different, good for you!
this is exactly my mentality right now and I'm looking for a place. I will not be deterred.
I’m surprised you didn’t make another video about the housing market crash. You’ve been saying it’s going to crash every single year multiple times throughout the year for at least the six years.
Have you ever watched those videos? Or do you just read the title and not click? I have never called for a housing crash, if you actually watch the videos I’ve been pretty optimistic for housing.
When the market collapses, Graham will have to pick up a hammer and get a manly job. Then maybe he won't speak like a beta.
@@GrahamStephanso you admit to clickbaiting
@@GrahamStephanwhere is the best place to buy a rental property at the moment?
@@GrahamStephannahhh sorry graham. I like you but you have made thumbnails with houses on fire saying crash coming. Clear value tax has called you out on it.
He forgot the real estate tax breaks
Made 25x with PEPE, took profits, and moved into XAI97C. Hoping for another run like that 🔥
I'm retired at 39, This video here reminds me of my transformation from a nobody to having over 65,000 biweekly profit, a honest partner and a good daughter full of love ❤️
Hi Graham, devastating times in Los Angeles. Can you make a video on how the fires are going to affect California and the National economy? I head government spent incredible amounts of money to fight the fires
Great analysis, thank you. AERO, ONDO, XAI97C great to pick at these prices
Really appreciate the transparency in all your videos
You got it!
Appreciation figure of single family homes depends on who you ask. Of course NAR cites a large number. Yale number of US single family homes is between 1915 and 2015 is 0.5% annually after inflation and sunken costs. I tend to believe the return is closer to the .0.5% rather than the real estate self serving number
I suggest you offset your real estate and get into stocks, A recession as bad it can be, provides good buying opportunities in the markets if you’re careful and it can also create volatility giving great short time buy and sell opportunities too. This is not financial advise but get buying, cash isn’t king at all in this time!
One strategy for protecting against a recession is to buy equities. Investors, especially during a recession, need to know where and how to put money in order to make money while avoiding inflation.
It has never been easier to understand how to build your money than it is right now, when you may study and experience a completely variegated market passively by employing a successful portfolio-advisor. The impacts of the U.S. dollar's gain or fall on investments, in my opinion, are complex.
Working with a Financial Advisor to help guide you on your wealth-building journey if you're just starting out is a wonderful way to get started and thats how i was able to accrued good gains . They helps to manage investment overall risk profile , prevent permanent loss of capital consider maintaining a broad diversification of your investments that reflects your personal risk tolerance, time horizon, and the nature of your financial goal
please who is the consultant that assist you with your investment and if you don't mind, how do I get in touch with them?
There are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with Carol Vivian Constable for about five years now, and her performance has been consistently impressive. She’s quite known in her field, look her up.
A key factor often overlooked is that over 25% of new homes are being acquired by investors, rather than individuals seeking primary residences. Even if Baby Boomers decide to offload their properties or more housing stock enters the market, it won’t alleviate the underlying issue. Wealthy investors will continue to absorb the available inventory, which will keep home prices elevated.
There's also a lack of discussion about the role that major financial institutions-banks, private equity firms, and giants like BlackRock-played by purchasing properties post-2008, treating them as investment assets. It's impossible to fully understand the current housing crisis without acknowledging this trend. Additionally, larger luxury properties are inherently more profitable than smaller, more affordable homes, leading developers to prioritize luxury developments for higher returns.
While I anticipate a future decrease in home prices, I currently recommend diversifying investments away from real estate. Shifting capital into the financial markets or commodities like gold is a safer bet given the current high mortgage rates, recession indicators, and tightened lending standards. Housing prices might need to correct by 40-50% before the market stabilizes. In uncertain times like these, getting independent financial advice from a market-savvy expert is essential.
How can I find a trusted financial planner like yours?
I consistently recommend Rebecca Lynne Buie as my top choice. She is well-known for her expertise in financial markets and has an impressive track record. I highly endorse her services.
Ive been torn, my partner wants to buy a house but the average mortgage in our area is 3800+ meanwhile i can rent something similar for 2500, i dont want to buy right now id prefer to rent and save, but my partner is super pushy, but im holding my ground because i think its the worse time to buy
Buy now. Since interest is high, the house price will be lower which means property tax will be lower. Also, no bidding war. After a year, you can refinance when the feds cut the rates. Then you get triple benefit, low house price, low property tax, and lower interest.
@@rishabhjain2404 im taking this advice .
@@rishabhjain2404you don't know how this works. The Fed has already cut short term rates, but they don't control mortgage rates which are long term. Short term rates came down but long term rates have gone up.
Damn rich people keep getting richer and poor people keep spending and make them rich , the cycle keeps continuing!
HUMMM should I buy more stocks or houses??? maybe ill sell some of my houses and buy more stocks SMH. this video hits like dodo.
Poor people also save money instead of holding assets.
I have horror stories owning a rental.
my left right and behind neighbors are giving me trouble in turn.
my property leaks every couple of month and there was a big leak and 10+k is gone.
sometime late ish night, tenant have no heat/AC.
sometime late ish night, tenant clogged the sewer line.
sometime tenant complains about other tenant's garbage placement.
sometimes, hurricane comes, my house leaks.
sometimes, tenant appliants broke.
I only cash flow about $300 for this property.
And i have a fking full time job.
300 for all this trouble?
I have absolute 0 interest in managing properties.
I m deep in negative atm.
to make it worse, i m seeing moderate increase on home insurance, property tax and massive jump of utility bill while I hesitate to ask my tenant pay more rent.
I feel your pain as a landlord. It's exceptionally nightmarish if you're in the east or west coast 😢
It's not just $300... you're also getting someone else to pay off your house
@@alexwenger9655 lol We are supposed to feel bad for the landlord. You missed that memo? They sign up knowing all the risks, then they whine and we are supposed to feel bad. Get with the program bro.
@@justindearing2832 bro is forgetting about a huge chunk of the value tho
@@alexwenger9655 bro, i m trapped with $300 for 30 years.
Closing on my first house day after tomorrow
Congratulations! 🏠
I like the perspective that investing into real estate is more of a side hustle than an investment. It’s a high ROI side hustle since you’re building equity through renting out to tenants and doing upgrades/renovations slowly over time
Sold ETH for XAI97C. Digital currencies need a meaning and be more than hype, this one has the utlity, vision, strategy, everything is promising
This was a unique take. You make some good points. Love your content. Cheers!
happy new year Graham!
Let’s go
The challenge is that whether you rent or own, there are unavoidable costs associated with maintaining a permanent residence-property taxes, insurance, and utilities like electricity, gas, and water. In places like California, where I currently live, the high cost of living has pushed many people to opt for alternatives. It’s not uncommon to see individuals living in tents to avoid property-related expenses, and the number of people I encounter who reside in their cars is truly surprising. It’s a sign of how extreme the situation has become.
The market continues to escalate daily. Home prices are exorbitant, and mortgage rates have surged beyond 7%. I often debate whether it's smarter to park my cash in the stock market and wait for a potential housing crash or bite the bullet and purchase a home now.
I understand your concerns. I'm 50 and planning to retire early, and the uncertainty of the financial future, especially around housing and investments, is concerning. I’m also considering my first stock market investment, but the volatility this year has been intimidating.
How can I find a trusted financial planner like yours?
I consistently recommend Rebecca Lynne Buie as my top choice. She is well-known for her expertise in financial markets and has an impressive track record. I highly endorse her services.
Pulled 2k outta Elizzarda yesterday, thinking about either jumping into a solid token or putting it back in. What do you think, which ones are gonna moon soon?
the 🌞
I remember when I trusted this guy enough to put money into one of his "completely safe" banks he recommended. Now thousands of us are out millions and millions of dollars combined. Houses foreclosed on, savings gone, people without food. The unfortunate reality of misplacing trust in a financial youtuber.
How about a video talking about the best index funds to invest in?
Hope mentally your pullback from RUclips has been working out for you. Miss your videos on the regular. Appreciate this one in particular as I always feel like I’m missing out not owning an investment property.
I think it's time to make it more appealing for potential buyers. Real estate can be quite the rollercoaster! the stress and uncertainty are getting to me. I think I'll cut rents to attract potential buyers and exit the market, but i'm at crossroads if to allocate the entire $680k liquidity value to my stock portfolio?
"Overall, buyers hold a lot of the cards right now, and sellers are having to give out more concessions to close a deal." All the best, buying on sale is actually one of the best ways to invest in stocks, and advisors are ideally suited for such task
Due to my demanding job, I lack the time to thoroughly assess my investments and analyze individual stocks. Consequently, for the past seven years, I have enlisted the services of a fiduciary who actively manages my portfolio to adapt to the current market conditions. This strategy has allowed me to navigate the financial landscape successfully, making informed decisions on when to buy and sell. Perhaps you should consider a similar approach.
nice! once you hit a big milestone, the next comes easier.. who is your advisor please, if you don't mind me asking?
There are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’ Carol Vivian Constable” for about five years now, and her performance has been consistently impressive. She’s quite known in her field, look-her up.
I just looked her up on the internet and found her webpage with her credentials. I wrote her a outlining my financial objectives and planned a call with her.
100% correct, the numbers no longer work right now. I've moved from real estate to index too. Glad I got my rentals prior to the boom
Isn't it a bit strange to support dollar cost averaging with stocks, which suggests there is a never a bad time to buy stocks, including when they appear expensive. And, yet not support buying a house in 2025 because it appears to be expensive? What happens to the would be homebuyer that buys stocks instead when their stocks correct, and property values continue to increase, making purchasing a home even further out of reach?
This video is such an eye-opener! Graham does an incredible job breaking down the pros and cons of investing in real estate versus stocks with clear, detailed numbers. It’s so refreshing to see a balanced perspective that shows real estate isn’t always the guaranteed winner people think it is-especially in today’s market with higher interest rates and rising costs.
The takeaway for me: success in either strategy depends on timing, research, and knowing your personal goals. Real estate can be powerful if you buy smart and manage well, but index funds are an amazing, low-maintenance option for consistent long-term growth.
Thank you, Graham, for always being transparent and putting out content that genuinely helps people make informed financial decisions. Truly one of the most valuable channels out there!
Bot
@@michaelmich00 you got me 😕
I used ChatGPT to create a summary of Graham's video to hopefully add value to anyone who read it.
If that makes me a bot, nice to meet you 👋🏼🤖
Just the viedo I wanted to see, I own myself 15 rental apartments here in Poland. Mostly purchased them prior to 2021-2022. They have appreciated well and yielded robust returns so far. Those bought in 2023 and 2024 are not performing so well now (high purchase and remodelling price). I am now considering swapping to dividend stocks and etfs, as property prices are so high, repairs and maintenance costs have gone sharply up, and all the issues that may crop up with the tenants. Stock market is hassle-free, especially as you are getting older.
Bro, i bought XAI301F in December after your video. i'm up 379%.
Huh
Wow, This was a fairly unbiased comparison from the historical "Real Estate Guy" Great Work!
The importance of community governance in XAI301F$ cannot be overstated.
Stocks are relatively easy to sell. Shares are traded on markets with technological tools.
Real estate is more difficult. Human realtors exist due to the complicated process of connecting owners with either buyers or renters.
Yeah, it’s interesting to see how the new realtor commission will affect the market
This video is so on time! Thank you for this information, Graham!
Glad it was helpful!
Bro just made a video to show you how much money he has. Weird flex bro.
he has ALOT more than what was stated in this video.
Real estate doesn’t always guarantee to go up in value. And property tax goes up all the time to off set your monthly payments.
The XAI97C uses different AI which has not been used by anyone, it makes sense and it should allow steady growth with no human interference needed
Great analysis on index funds vs real estate and like you said real estate before 2020 was fairly priced with low interest rates which made it work
“What’s up Graham coffee is banging today” 😊😂
;)
Best video in a while!!
“What’s up Graham?! It’s guys here.” 😅
Heheh
Nice analysis, but real estate is king for people concerned about taxes, particularly high income folks. After considering taxes and creative strategies taking advantage of short term rental exception, real estate wins. If you’re married with a non working spouse, it’s not even close….
As an lnvesting enthusiast, I often wonder how top level investors are able to become millionaires off investing. . I’ve been sitting on over $545K equity from a home sale and I’m not sure where to go from here, is it a good time to buy into stocks or do I wait for another opportunity?.
If you are thinking of investing in the stock market and you are not well versed, its advisable to work with a financial advisor who is an expert to guide you through the process. this way you could make more profit with less risk
Working with a financial advisor has been a game-changer for me. They provided invaluable insights and tailored strategies that aligned perfectly with my risk tolerance and financial objectives. With their support, I've seen significant growth in my investments and gained confidence in my financial future.
@@PASCALDAB Could you kindly elaborate on the advisor's background and qualifications?
My CFA ’’ Sharon Ann Meny, a renowned figure in her line of work. I recommend researching her credentials further. She has many years of experience and is a valuable resource for anyone looking to navigate the financial market..
I just googled her and I'm really impressed with her credentials; I reached out to her since I need all the assistance I can get. I just scheduled a caII.
Do little to nothing but take a house and make everything grey and they think its should then be worth double the price. Greedy greedy greedy.
Oh my gosh, the grey renovations are awful!
Agreed what happened to warm colors and not painting over wood.
LOL right? 1990 house with 2050 house price. Cheap Grey and White/Black plastered all over the place. Such an eye sore.
Grey paint on everything and they are done. You are correct. We need a crash.
XAI97C has 5x the week but that is not even uncommon for their ideas
Its not a direct comparison, dont forget that investing into real estate its a real job. Its an active source of income and you spend a lot of time finding the best location, finding deals and selling the property while also investing in maintenance . While with investing in the sp500 its passive income.
We need that XRP breakout, XAI97C is ahead 🔥
No memes needed. Just buy XAI301F and DCA/HODL. Retire very early.
With the style of real estate investing he described, yes stocks are better than buying a $500k house that rents for $3,500/mo with high interest rates.
Real estate can be better if you find properties where rent = 1% or more of the purchase price or if you find deals that have equity in them.
XAI97C is eating alt coins. if any alt coin gotta mark the XAI97C
The real estate ship has sailed
The ADX presale is almost sold out, and for good reason. This project is one of the best opportunities this year.
I wonder if the expression “The best time to plant a tree was 20 years ago. The next best time is today” applies to buying in today’s market🤔
Could be!
We started in the same year - 2012. My first house was $61,100 … in Las Vegas. Today worth $275K, getting $1650 in rent. So you did better, but I still git 5X my price (was 300K+).
But what good is that equity? Can’t spend it, can’t borrow against it now (rates too high), and can’t sell because taxes and commissions would leave me with only $150K. At that price I’m a buyer again - all day long. Give me my house back!
So I’m stuck with what I call “nonperforming equity.” 😺
BTW - $1500 rent for a 400K property is a poor return - not even half a percent. Mine is better, though mostly because the value stayed lower. And taxes are much less in NV.
1:09 what?!
What about it?
I think it’s 1:03
Not gonna lie buying and investing when you did was way different than it is now… it’s almost impossible to get ahead even on an above average salary.
I recommend your first home be a 2-4 unit property in the best area-best schools, low crime. Owner occupied one unit gets favorable financing. After a year or two can buy another it buy a house and rent all units.😊
I tried this and have no idea how people can even afford this as their first place… I aren’t had enough for a single condo
Maybe I missed it, but I don’t see the aspect of your renters paying the mortgage off in your calculations. If you bought a house for $100k and the renters paid it off, you basically get a free house.
My realtor had 25 rentals. After the renters paid them all off, he took loans out on most of them, kept the cash tax free and started the process over again.
Stocks in the long run give better returns than real estate, nothing new there, but you also take on more risk that way. Also, real estate is the best at creating cash flow, especially if you own it outright. No dividend stock can compete with real estate when it comes to cash flow. If it can, then you're also taking on much more risk. Granted, real estate takes a lot more money to own outright, unlike stocks. However, you should have BOTH in your portfolio. Stocks for growing your money, real estate for its cash flow 🤷♂️ that's true financial independence imo.
You said what's up Graham it's guys here in the beginning
;)
Haha… he always does that!!!
It's intentional.😊 You'll notice he does this in a lot of his videos. It also gives you an hint of the type of video.
Yield curve inverted? So is the intro
He sure did, but more on that later.
Just remember. Behind every real estate investor what makes tons of money is family what goes pay check to pay check due to this type of greedy parsites.
lol not true
Hey, there’s something important to keep in mind if you own rental real estate. You can write off a significant amount of the cost, not to mention property taxes and other expenses. And guess what? If you decide to sell your property, you might qualify for the Homestead exemption, which can save you up to 250,000 per person or 500,000 for a married couple. That’s a whopping 500,000 in gains that won’t be taxed! But here’s the catch: if you sell that stock, you’ll have to pay all the taxes, no exceptions. So, it’s a double-edged sword. This video is definitely not accurate and could be considered disinformation.
You can also benefit from several capital gains tax benefits when you sell shares.
Tax free retirement accounts exist. And you are able to pull money out of those accounts before retirement (in many cases, avoiding early withdrawal penalties).
I’m not sure if you paid attention to the video.
I love these videos. Better than what I learned in school. Thanks Graham and team
This guy will convince you to sell your house so he can purchase it and rent it out to you.. Everyone should become a homeowner so that eventually you no longer have a rent payment every month for the rest of your life.
Obviously you’ve never watched him before. That plan is to buy when prices are down as well as interest rates. He buys houses you can’t afford so you’re not his “victim”
Yup, I’ve owned my home then rented it out and moved and rented a place for myself and renting sucks. I pay 4k a month for rent and it stings no matter how much money I make in a month. Even if u have some big costs come up for the home you own, it doesn’t sting much. Just upkeep on your asset. Rent is cool in cheap areas or if you’re young either roommates or just don’t have enough saved to buy. But even at 7% I think I’m going to try and buy a new home soon. Unfortunately anything around me is at least 1m$ but it’s still worth it
@@cesarmoreno891 So you’re one of these goofballs who think they can time the market and have everything work out for them at the perfect time. Good luck with that. Doesn’t work that way, just as it doesn’t with stocks buddy.
@@GG.510 you’re right on point and I couldn’t agree more. 🤝
@@cesarmoreno891 my house is worth more than a few Grahams investment homes he shows in this video buddy. He buys shitty condos and entry level homes. The ones that families are fighting for…..I suggest you educate yourself instead of believing the click bait crap that he shares for views on RUclips. There is a lot better information out there. Try watching the educated homebuyer. You will get accurate information there unlike this hypocrite Graham.
The whales in Real estate do not want recent young investor who start making money to enter the housing market..at least that how I feel in my experience coz every time I think my down payment is big enough and ready to purchase others come with even more down payment as if they’re just printing money
What’s up graham it’s guys here😂😂😂😂 great intro
I hope Graham NEVER gets arrested. I don't think he would be able to speak with handcuffs on!
That would be a great benefit to him. Don't talk to cops. Especially if you are innocent.
He does talk with his hands a lot 😅
🤣😂
Maybe not. A good stock tip or some cheap property for sale might get him out of the situation.
Thanks for the XAI301F update! I am loving my XAI301F!
Stocks are much more of a passive investment versus real estate. Even as an active investor, picking my own stocks, I can sit at home and do my investing on my phone while reclining on the sofa. Stocks don’t require maintenance, but do require a bit more financial savvy and insight to be successful with. Most investors don’t now the difference between an investment and speculation, and end up viewing the stock market as a casino. The truth could not be farther from that perception, and the big fortunes in this modern world are made in equities, in productive businesses, versus in the liability that real estate often represents.
Very well said @CarlWithACamera , I prefer stock investing and while I own my own home, I am very tempted to buy my neighbors house simply because of its unique location, hopefully at a good price. Just trying to make sure its worth it though, for the hassle of being a land lord again.
Bro does one of these videos every year lol