His name is Stephan Graham a 28-year-old going on 29-year-old millennial who became an on-paper millionaire at the age of 26 years old. Stephan Graham was sued by Apple after he made defamatory comments about Apple’s new Credit Card. But it was an April fools joke… he got a lot of likes… and clickbait on his YouTube Channel.

But Stephan Graham is no fool. He is a YouTuber and a millennial millionaire.

One day, he decided to see what the Tesla buying experience was all about. He went onto the online configurator and unintentionally ended up buying a Tesla Model 3.

The car is financed with monthly repayments. But how did Graham end up paying just $78 per month for a Tesla model 3 when the actual cost is around $640 dollars.

He is not a millionaire-millennial entrepreneur for nothing. Watch the video to find out how he did it. Spoiler alert, it’s a tax bait and switch.