Best Investing Advice: Delay Gratification and the 4% Rule

#Ad Big thanks to Bizee for sponsoring today’s video – they make starting an LLC super simple: https://bizee.com/ich Public: Fund your account in less than 5 MINUTES at https://public.com/ICED Wayfair: Shop, save, and score today at https://Wayfair.com Shopify: Sign up for a $1 per month trial period at https://shopify.com/ich Follow Andrei Jikh: On YouTube - https://www.youtube.com/@UCGy7SkBjcIAgTiwkXEtPnYg On Instagram - https://www.instagram.com/andreijikh On X - https://x.com/andreijikh Apply for The Index Membership: https://entertheindex.com/ Add us on Instagram: https://www.instagram.com/jlsselby https://www.instagram.com/gpstephan Official Clips Channel: https://www.youtube.com/channel/UCeBQ24VfikOriqSdKtomh0w For sponsorships or business inquiries reach out to: tmatsradio@gmail.com For Podcast Inquiries, please DM @icedcoffeehour on Instagram! Timestamps: 00:00 - Intro 00:02:44 - Crypto stance 00:06:12 - First bitcoin purchase 00:10:21 - Bitcoin manipulation 00:15:27 - Sponsor - Bizee 00:25:17 - Bitcoin pros and cons 00:28:58 - Gold vs bitcoin 00:30:05 - Making synthetic gold 00:31:14 - Sponsor - Public 00:32:15 - Money advice for average person 00:35:46 - Portfolio breakdown 00:41:40 - Bitcoin to $1M 00:44:29 - Thoughts on altcoins 00:49:01 - Why self-custody bitcoin 00:55:57 - 10-year U.S. outlook 01:06:57 - Sponsor - Wayfair 01:08:16 - Sponsor - Shopify 01:09:39 - Bullish or bearish 01:10:34 - Bullish indicators 01:16:55 - Investing vs YouTube 01:19:45 - Alternative investments 01:24:25 - Why Japan watches are cheap 01:31:22 - Best investing advice 01:34:09 - The 4% rule 01:36:10 - Does printing money keep people poor 01:40:07 - Why people stay poor 01:47:31 - Poor vs rich mindset 01:48:38 - Relationship advice 01:55:13 - Ideal money amount 02:11:23 - Duck-sized horse *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. All investing involves the risk of loss, including loss of principal. Brokerage services for US-listed, registered securities, options and bonds in a self-directed account are offered by Public Investing, Inc., member FINRA & SIPC. Public Investing offers a High-Yield Cash Account where funds from this account are automatically deposited into partner banks where they earn interest and are eligible for FDIC insurance; Public Investing is not a bank. Cryptocurrency trading services are offered by Bakkt Crypto Solutions, LLC (NMLS ID 1890144), which is licensed to engage in virtual currency business activity by the NYSDFS. Cryptocurrency is highly speculative, involves a high degree of risk, and has the potential for loss of the entire amount of an investment. Cryptocurrency holdings are not protected by the FDIC or SIPC. Alpha is an experimental AI tool powered by GPT-4. Its output may be inaccurate and is not investment advice.Public makes no guarantees about its accuracy or reliability—verify independently before use. *3.8% as of 9/24/25. APY. Rate may change. See terms and conditions of Public’s ACATS & IRA Match Program. Matched funds must remain in the account for at least 5 years to avoid an early removal fee. Match rate and other terms of the Match Program are subject to change at any time.

Learn more about your ad choices. Visit podcastchoices.com/adchoices