Why EVERYTHING Changes After You Save $10K

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Your First $10,000:

Even though this isn’t enough to buy a home or purchase a really nice car, the good news is tha you’ll start to gain a little more financial confidence that - if you can save THIS, you can continue to “level-up” in nearly any area that you put your mind to.

Your First $100,000:

At this level, you have enough to protect yourself against most major financial emergencies, whether that be a job loss, a medical issue, or an unexpected expense or repair. Your worries are less tied to the stresses of living paycheck to paycheck, but rather - long term career growth, and your ability to take calculated risks.

Your First $500,000:

The ‘pressure’ of constantly budgeting, checking prices at the grocery store, and worrying about unexpected $1000 charges have a bit less of an impact. This is also the point where some people start ‘coasting’ in the sense that, depending on your age - you don’t need to be as financially careful, your money begins growing at a rate that might outpace what you’re able to save, and you can start spending a little more money on enjoyment.

Your First $1,000,000:

This is a lot of money - but, you still have to be careful not to over-leverage your investments. You need to make sure you don’t buy more house that you can comfortably afford. You’re still checking the prices on flights and hotels. You might be able to take a few weeks off work, but you certainly couldn’t afford to take a year-long break without dipping into savings.

Your First $5,000,000:

If you live below your means, play it safe, and keep reasonable expectations - this starts to become the level where you can finally begin ‘buying back your time.’ At this point, $5,000,000 likely means your time is more valuable elsewhere - so, it makes sense to begin outsourcing what you don’t feel like doing. This might include paying someone to wash your car, clean the house, or run errands on your behalf. As long as keep your overhead low, your ability to build wealth has A LOT less to do with your savings rate, and a LOT more to do with your investment returns.

Your First $10,000,000:

The way I see it, when you’ve hit this point - you’ve “won the game.” With $10 million dollars, you could live pretty much anywhere in the world, you could do almost anything you’d want - within reason, financial emergencies could easily be solved in a minute by writing a check, a recession won’t make a material change to your lifestyle - and - as long as don’t massively mess this up - you’re pretty much guaranteed NEVER to go broke.

Your First $25,000,000:

This is the point where you can do 99.9% of anything you’d ever want, without worrying about running out of money. This level allows you to own multiple properties, financial “emergencies” that cost under $100,000 won’t really move the needle, and economic “disasters” turn themselves into massive “buy the dip” opportunities. Instead of optimizing for growth, past $25,000,000, most people shift their focus from “play to win” to “play not to lose.”

Past $100,000,000+

Even though this is so much money that “most things become free,” - past this level of wealth, there’s really no difference in lifestyle that more money can buy you - and, the excitement of purchasing anything ‘new’ completely wears off.

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*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. This is not investment advice.