Here’s a breakdown of EXACTLY how much I spend every month, my philosophies on saving money, and how my spending has changed in 2020 – Enjoy! Add me on Instagram: GPStephan

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My ENTIRE Camera and Recording Equipment:

Car Insurance: $125 per month
Gym Membership: $0 Per Month (Temporarily)
Health Insurance: $230 Per Month
Phone Bill: $70 Per Month
Internet: $75 Per Month
Utilities: $260 Per Month
Gardener: $150 Per Month
Food / Dining Out: $400 Per Month
Other: $200 Per Month
Housing: $7700 per month (Not including rents, equity, tax write offs, etc)
Tesla Model 3 Car Payment: $630 (Not including equity, tax write offs, etc)

Business Expenses:
Teachable: $99 per month
Insurance: $150 per month
S Corp / LLC Filing Gees: $150 per month
Tax Filing Fees: $200 per month
Zoom, Storage, etc: $100 per month
Credit Card Annual Fees: $130 Per Month
Full Time Help / Jack: $7500 Per Month

So, when it comes to everything…these are two big main takeaways that I have learned throughout all of my experiences saving and investing, it just comes down to this:

First, I only view my income as not how much I make, but instead – how much that money makes ME.

For example, if I earn $10,000…I don’t see that as $10,000…instead, I’d see that as $50 per month in passive income when I invest that money into buying a rental property at a 6% return. By that logic, if I’m able to invest $50,000…that’ll cover the basic grocery bill for pretty much the rest of my life. If I can get $350,000 invested in a rental property…that’s enough passive income to cover a 1 bedroom apartment in Los Angeles in a good area. And at $1 million invested…that’ll replace the average annual salary from most full time employees. I challenge you to start thinking the same way, as well…this will make the aspects of saving and investing so much easier, and over time – you can replace all of your expenses by having your money do all the work for you.

Second, beyond the essentials…I only try to buy things that I can put to work that will make more money, or can be seen as an investment.

For example, I consider the computer that I’m editing on right now to be a good use of money, that helps expedite the work I do. Or, buying an extra camera to film on so I could get a second angle for The Graham Stephan Show…or, paying extra to create a brick veneer for the background of my videos so they’re more visually appealing…or, even something like this house that I bought, I find it much more relaxing to work outside and come up with new content – and when I feel more at ease, I tend to produce better quality. If you can find a way to coordinate your expenses around things that will help INCREASE your productivity or income, it can be absolutely worth it.

For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at

*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.