About this Video

• Video Title: What EVERYONE Needs To Do With Their Money (ASAP)
• Channel: Graham Stephan
• Speakers: Graham Stephan
• Duration: 00:14:13

Introduction

This video addresses viewer concerns regarding the current economic climate and recent stock market volatility. Graham Stephan shares his perspective on the situation, emphasizing the importance of both investing and protecting one's finances during this potentially unique period in history. He uses historical market crashes to illustrate the importance of long-term investment strategies.

Key Takeaways

• Market volatility is common: Throughout history, stock market crashes and significant sell-offs have occurred more frequently than many realize.
• Long-term investing is key: The most consistent successful investment strategy over the past 120 years has been a long-term buy-and-hold approach (20-30 years). Short-term market fluctuations are largely irrelevant for long-term investors.
• View market dips as opportunities: Market downturns should be viewed as buying opportunities, similar to sales events, especially for those with a long-term investment horizon and consistent income.
• Protect your data: The speaker warns about data breaches and the importance of protecting personal information from spammers and data brokers. He promotes a sponsor's service to help with this.
• Proactive financial approach: The speaker advocates for a proactive approach to personal finances, including living below one's means and building an emergency fund.

1. The video primarily discusses market sell-offs triggered by the announcement of worldwide tariffs on April 9th, leading to uncertainty and market reactions. The speaker also mentions other historical events that caused market crashes, such as the 1906 San Francisco earthquake, the Great Depression of 1929, the removal of the dollar from the gold standard in 1973, Black Monday of 1987, the dot-com bubble of 2001, and the Great Recession of 2008.

2. The video analyzes several historical market crashes:

   • 1907: A 50% stock market crash following the 1906 San Francisco earthquake, leading to the creation of the Federal Reserve. It later surged 193% over four years.
   • 1929 (Great Depression): An 83% drop over almost three years, with nearly 25% unemployment in the US. Recovery took almost 20 years, boosted by World War II.
   • 1973-1974: A 40% loss due to President Nixon removing the dollar from the gold standard. Recovered with an average gain of 845% over 13 years.
   • 1987 (Black Monday): A 22% single-day drop, but quickly recovered with an 800% rally over 13 years.
   • 2001 (Dot-com bubble): A 40-60% market fall due to internet company failures. Recovered with an 110% increase over five years until the next crash.
   • 2008 (Great Recession): A 40-50% drop caused by bank failures. Followed by a long bull market.

3. The speaker's recommended investment strategy is a long-term buy-and-hold approach, investing regularly over a time frame of 20 to 30 years. He emphasizes ignoring short-term market fluctuations.

4. The speaker recommends Incogn, a service that reaches out to data brokers on the user's behalf to request the removal of personal data and ensures the information stays off the market through repeated removal requests. It offers a 30-day risk-free trial with a full refund guarantee.