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Graham Stephan's money obsession started at six years old, checking every penny in circulation hoping to find a rare 1909 SVDB coin his grandfather had shown him.

By the time he had a driver's license, he was budgeting $20 down to the cent. Gas, a Subway footlong split into two meals, and $5 leftover. Nothing wasted.

At his first real job making $8 an hour, he started asking himself whether a sandwich was worth 40 minutes of work. Spoiler: it wasn't.

Three habits carried him from $50K to his first million: relentless consistency, one-thing focus, and a frugality he now admits bordered on unhealthy.

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