A Serious Warning To All Investors

The YouTube Creator Academy:

HOW TO PREPARE FOR A MARKET DROP:

ONE: ALWAYS keep a 3-6 month emergency fund at all times. 
I know I sound like a broken record when I say this NONSTOP, but it’s true - having 3-6 months worth of your expenses, saved up, in cash - at all times, is one of the easiest things you can do to make sure you’ll last through a stock market drop.

TWO: DIVERSIFY your investments throughout AS MANY DIFFERENT INDUSTRIES AS POSSIBLE.  
That way, should ONE market fall…the others should be enough to offset that. And if the ENTIRE market falls…I’ve still got 20% in cash, on the sidelines, to keep buying in…even if my income drops.
THREE: KEEP BUYING IN. 
Study after study show that the best thing you can do is just STICK TO YOUR PLAN, KEEP BUYING THE ENTIRE MARKET, and HOLD. 

FOUR: DON’T PANIC SELL. 
What I’ve seen SO MANY TIMES, is that the psychology that pushes you to sell because your investment is dropping…is going to be the same psychology that will hold you BACK when the market starts going up.

FIVE: KEEP A STEADY INCOME. 
The WORST CASE SCENARIO isn’t just that the market drops…it’s that it falls, DURING A TIME that you lose your job and need to sell those investments to stay afloat. An emergency fund could hold you over 3-6 months while - hopefully - the market recovers - but, if it doesn’t - you want to make sure you have SOME consistent income to either continue buying in, OR - to pay your living expenses so you don’t have to sell during a time where everything is down.

SIX: KEEP MORE CASH
I’ll admit, statistically - this is NOT what you should be doing, and more often than not, investing your money all at once in the market will yield the best results - BUT, if you want to play it safe, and value peace of mind…keeping MORE cash on the sidelines is a way to do that.

SEVEN: STAY OUT OF MARGIN DEBT AND LEVERAGE.
I think it’s pretty safe to say, you’re playing with fire if you’re borrowing money to invest in the stock market, cryptocurrency, or any other speculative, short term asset. The ONLY EXCEPTION would be a “low interest” mortgage on a cash-flowing rental property that you intend to keep long term…but, besides that…stay out of debt, at all costs.

EIGHT: If you NEED this money in the next 3-5 years - it’s probably not a good idea to invest it.
A few years is not long enough to ensure that you’ll actually make money, and - as we’ve seen - there have been PLENTY OF TIMES throughout history where the market takes almost a DECADE to recover - so, the shorter your investment timeframe is - the less likely you should be invested in something that could drop in price.

My ENTIRE Camera and Recording Equipment:

[EndingEchoes]

Honestly though I'm only investing the same amount of how much my cigarette bill used to be. About 80-100 a week. So even if I lose money in the stock market. I'm not losing any more money a week than I used too.

[josephlewis]

10.5 K invested in late 2020, did well till late February 2021, lost over 50% and today down another 25% life is not good, even though 10.5 K isn’t much to most investors but I’m not giving up, can things get worse, yep but quitting is not the answer, “HOLDING ON” no matter what

[Real.Estate.Report]

I’m going to try the old “be greedy when others are fearful” approach and see how that goes.

[stonie]

Just remember that you only lose money when you sell.

No matter how much money you ‘lose’ in a recession, by the time you actually sell, things will have recovered and the only remnants of the recession are the stocks you BOUGHT for low prices

[robbieskonieczny]

I was told this one. "It's time in the market, not timing the market"

[ianp]

I used to watch this channel a lot a couple of years ago. I stopped watching for a while but I’m back since we’re finally in a bear market. We need your advice, Graham!

[Bviews]

Graham offers great advice. It'd be cool to get a behind the scenes to how you gather your information, etc.

[olliehopnoodle]

Emergency funds are the super power of financial stability.

[tylerk.]

This is some of the best clear cut non nonsense advice out there. Thank you. Hearing this was like getting tucked in to bed after milk and cookies

[obliviatoor]

Thank you for saying similarly what my late father would have said.🥺 I needed to hear this thank

[davidmicalizio]

Now's the time to start making money!

[andrewa]

Thank you for being a logical, reasonable voice when everybody seems to be freaking out. I'm in the process of getting my real estate license now so when you mentioned how when you got into it, it really resonated with me.

[mkuc]

This crash will be epic because we're going to hit the energy peak. Oil, gas, coal is being either phased out or restricted. It's harder to get or its being politically negotiated for. Supply chains are being restructured also and will take years to rebuild to the same level.

[IvaanCroatia]

No room for panic, it's shopping time!

[drock]

Why is everyone so negative right now, literally everything is on sale! You should be happy and buying everything you can on discount

[יהלומהרובין]

I am going all in !! Wish a homie luck !!! ✌🏽🙏🏼

[armontecalvo]

I’ve been through enough downturns to know, when we start recovering, you come out better off. Hold on, cause in 1-3 years you will be glad you payed the long game and not the short game

[troyallen]

Thanks Stephen 😊 for taking care of us

[KJ-qjpd]

Many don’t know but you predicted “stagflation” at the beginning of the pandemic, and unlike other YouTubers you don’t even brag about it. Class act !

[infinite_vortex]

As Jack Bogle would say, "buy and hold is eternal." Don't pay attention to the "noise", just buy the index, keep buying no matter how high or low the price is.