Graham Stephan
Real estate investor and YouTuber (born 1990)
From Wikipedia, the free encyclopedia
Graham Stephan (born 1990) is an American real estate investor, YouTuber, and financial commentator.[1] As of 2026, his YouTube channel has over 5.15 million subscribers.[2]
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- YouTuber
- financial commentator
Graham Stephan | |
|---|---|
Stephan in 2026 | |
| Born | 1990 (age 35–36) California, U.S. |
| Occupations |
|
| Years active | 2008–present |
| Spouse |
Macy Savannah (Schmidt)
(m. 2024) |
| YouTube information | |
| Channel | |
| Subscribers | 5.15 million |
| Views | 1.37 billion |
| Last updated: March 23, 2026 | |
Career
In 2016, Stephan began posting content on YouTube, focusing on real estate topics and eventually posting content on personal finance such as budgeting, saving, and investing.[3] A theme of his videos was his refusal to buy coffee, instead brewing it at home for about 20 cents per cup. This inspired the name of his podcast, "Iced Coffee Hour."[4] His content discussed economic trends such as interest rates, inflation, and the housing market.[5][6][7]
By 2021, Stephan was earning $6 million annually from his online ventures, including ad revenue, sponsorships, and marketing.[2] He has also appeared on CNBC's Millennial Money, where he talked about his income, lifestyle, and savings strategy.[2] While he gained his fame from being frugal, he has since moderated this, stating that he was "overworked" and "taking on too much" to continue this strategy.[8]
Legal issues and controversies
FTX promotion
In March 2023, Stephan was named as a defendant in a proposed class action lawsuit alleging that finance influencers promoted the cryptocurrency exchange FTX prior to its collapse.[9] In May 2025, a federal judge dismissed some of the claims, but allowed certain claims to proceed or be amended.[10]
Yotta promotion
In 2024, the bankruptcy and shutdown of Synapse Financial Technologies, a fintech intermediary used by multiple consumer finance apps, froze access to funds for many users of partner services.[11][12] The disruption drew attention to Yotta, a savings app that Stephan had previously promoted to his audience.
In contemporaneous reporting, Banking Dive alleged that some Yotta customers blamed Stephan for promoting the app prior to the freeze and reported that he appeared to have removed references to Yotta from his platform following the disruption; the outlet also reported that Stephan did not respond to a request for comment.[13]
Earlier coverage had noted that Stephan publicly described himself as an angel investor in Yotta. A 2021 article reported that he announced an equity investment in the company, including in a video titled I Bought a Bank, which was later removed from his channel.[14]
Reception
Stephan's work has been reacted to by Kevin O'Leary and has appeared in interviews on CNBC, Yahoo Finance, Glamour and Nasdaq.[15][16][17] Stephan moved from Santa Monica to Las Vegas, and said that this was because of Santa Monica's homelessness, crime, and housing affordability as key contributors to the problem.[18] He said that the "2020 riots" were the "nail in the coffin."[18] This led to debate among the city officials, with councilwoman Caroline Torosis responding that the local economy was "thriving."[18]
Personal life
Stephan lives in Las Vegas, Nevada.[18] He collects watches and cars as a reward for reaching his financial goals.[19]