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Graham Stephan

YouTube, 4M+ subscribers

Graham Stephan

Save aggressively, invest the difference, and never pay a fee you can avoid.

9,400 people run this system with Flip

The system

5 habits. Copy once, Flip runs them for you.

20%+ savings rate

Reminder

Pay yourself first and treat the savings rate as the score.

  • Computes your true savings rate every month
  • Texts it like a score, with the trend
  • Shows the gap to 20% in dollars

Zero avoidable fees

Live alert

Bank fees, late fees, and ATM fees are donations to people richer than you.

  • Catches every fee the moment it posts
  • Tells you which ones are refundable
  • Drafts the refund ask so you just hit send

Credit card points, paid in full

Reminder

Cards are a tool: collect the points, never ever carry a balance.

  • Reminds you before every card due date
  • Flags statements not set to pay in full
  • Tracks the interest you avoided

Know your burn

Scan lens

You cannot optimize a number you do not track.

  • Breaks down your true monthly burn
  • Shows the drift vs 3 months ago
  • Flags categories quietly creeping up

Invest the surplus, every month

Live alert

Money sitting in checking is going backwards.

  • Flags idle cash above your checking buffer
  • Reminds you to move it every month
  • Tracks your investing streak

What Graham's scan looks for

  • Every fee, and which ones are refundable
  • Your real savings rate, not the one you feel
  • Idle cash sitting above your checking buffer
  • Card due dates vs statement balances

Running it in real life

6% → 19%

savings rate in 4 months

The scan put his savings rate at 6% and found $96 of fees and $3,100 of idle cash. Flip texts his savings rate monthly and catches fees same-day. Rate is at 19% and he got two fees refunded.

— Tyler, 26 · First real salary, no idea where it goes

Copy the system, connect your accounts, and see what Graham would fix.

Copy Graham's system
Copy Graham's system