Roasting My Subscribers’ Investment Portfolios

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Roasting My Subscribers’ Investment Portfolios

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Humphrey Yang

Күн бұрын

Пікірлер: 478

@humphrey 2 ай бұрын

Do you want your portfolio reviewed? Make sure to join the Discord, and also comment below if I should make a part 2! discord.gg/humphrey

@dntl408 2 ай бұрын

Just joined, Humphrey!

@DaniOchannel 2 ай бұрын

More please 😊

@amarissaburtness4276 2 ай бұрын

Interested in reviewing what happens when becoming permanently disabled and unable to work. Finances were doing good, built emergency fund, investments, then disabling neuromuscular disease. My case is what happens when you need those safety nets you built into your finances.

@just_another_bot0110 2 ай бұрын

@@amarissaburtness4276 Curious to know more as well. Disabled veteran. Was making almost 200k a year until my injuries got worse and now I just live off my va benefits

@cooldan931 2 ай бұрын

I would love to help mine reviewed! Love your content Humphrey 👏😃 I just missed replying to the message on discord 😅

@ClaudiaSchreiber-b1p 2 күн бұрын

I feel investors should be focusing on small caps stocks, and considering the current rollercoaster nature of the stock market, Because 35% of my $270k portfolio comprises of plummeting stocks which were once revered and i don't know where to go here out of devastation.

@JBHus 2 күн бұрын

I think the next big thing will be A.I. For enduring growth akin to META, it's vital to avoid impulsive decisions driven by short-term fluctuations. Prioritize patience and a long-term perspective most importantly consider financial advisory for informed buying and selling decisions.

@annaj.osorio 2 күн бұрын

A lot of folks downplay the role of advlsors until being burnt by their own emotions. I remember couple summers back, after my lengthy divorce, I needed a good boost to help my business stay afloat, hence I researched for licensed advisors and came across someone of utmost qualifications. She's helped grow my reserve notwithstanding inflation, from $275k to $850k.

@DanielOrstein 2 күн бұрын

This is definitely considerable! think you could suggest any professional/advisors i can get on the phone with? i'm in dire need of proper portfolio allocation

@annaj.osorio 2 күн бұрын

Viviana Marisa Coelho is her name. She is regarded as a genius in her area and works for Empower Financial Services. By looking her up online, you can quickly verify her level of experience. She is well knowledgeable about financial markets.

@LejlaGöransson 2 күн бұрын

Thank you for the lead. I searched her up, and I have sent her an email. I hope she gets back to me soon.

@SaintYvess 4 күн бұрын

I want to diversify my portfolio worth around $200k, it's really taking a hit right now. what are some new gen stocks i can add to my portfolio to get reasonable increase and protect my future

@sting_grayl 4 күн бұрын

i'd advise you redistribute assets in your portfolio with the help of a pro so you don't get burnt in the market.

@Redwood4040 4 күн бұрын

@@sting_grayl Having an investment advisor is the best approach to the stock market right now. I was going solo without much success until my wife introduced me to an advisor. I've achieved over 80% capital growth this year, excluding dividends.

@Redwood4040 4 күн бұрын

Having an investment advisor is the best approach to the stock market right now. I was going solo without much success until my wife introduced me to an advisor. I've achieved over 80% capital growth this year, excluding dividends.

@Powerz00 4 күн бұрын

pls how can I reach this expert, I need someone to help me manage my portfolio

@Powerz00 4 күн бұрын

@@Redwood4040 pls how can I reach this expert, I need someone to help me manage my portfolio

@PaulKatrina. 28 күн бұрын

I was advised to diversify my portfolio among several assets such as stocks and bonds since this can protect my inherited portfolio of about $2.5m. I’m used to just buying and holding assets which doesn’t seem applicable to the current rollercoaster market plus inflation is catching up with my portfolio. I’m really worried about survival after retirement.

@BridgetMiller- 28 күн бұрын

True, I mostly just buy and hold stocks, but my portfolio has been mostly in the red for quite awhile now. Unfortunately to be able to make good gains, you’ll need to be consistent and restructure your portfolio frequently.

@RaymondKeen. 28 күн бұрын

In my opinion, it was much easier investing back in the 60s but it’s a lot trickier now, those making consistent profit in these times are professionals reason I’ve been using an advisor for the past 5 years to consistently build my portfolio in preparations for retirement.

@ScottKindle-bk3hx 28 күн бұрын

My partner’s been considering going the same route, could you share more info please on the advisor that guides you?

@RaymondKeen. 28 күн бұрын

Finding financial advisors like Melissa Terri Swayne who can assist you shape your portfolio would be a very creative option. There will be difficult times ahead, and prudent personal money management will be essential to navigating them.

@HectorWhitney 28 күн бұрын

I greatly appreciate it. I'm fortunate to have come upon your message because investing greatly fascinates me. I'll look Melissa up and send her a message. You've truly motivated me. God's blessings on you.

@jordanwilliams9300 2 ай бұрын

That 19 yo is kicking financial ass 🎉

@humphrey 2 ай бұрын

he is!

@jehan9 2 ай бұрын

The fact he's already watching Humphrey is 👌

@beluga.7761 2 ай бұрын

I'm 19, living in the UK. Currently have 15k saved to go towards a house deposit when I move out and just started investing a few months ago with just under 5k invested. I also bought myself a 15k car from additional savings as I have been working since I was 17

@Nabee_H 2 ай бұрын

@@beluga.7761 im 19 and broke, well I have about 500 dollars and that's it. I had 3k saved up, blew it. Bad habit of eating outside and no energy to do much. I don't even go to school. Ive been investing in random things since I was 15. Opened a stock account when I turned 18 but I'm only now thinking about touching it. Its just in Canada we don't have anything like Webull, we have wealth simple but I can't daytrade with it.

@taylorscott7914 2 ай бұрын

@@beluga.7761good going that! Do you have a stocks and shares ISA?

@BrewerVera 2 ай бұрын

ETFs makes up a large portion of my portfolio

@FaithAndrada-xo9ou 2 ай бұрын

To enhance our long-term investment mix, my partner and I are introducing a range of stocks and ETFs.

@AndersonFair-cy2bb 2 ай бұрын

With the help of the same investment advisor, I diversified my 62K portfolio across many markets and in a matter of months, I was able to produce over 356K in net profit from high dividend yield equities, bonds, and exchange-traded funds (ETFs).

@Raymondcraw1967RaymondCrawley 2 ай бұрын

This is really impressive, hope you don't mind if I ask you to recommend this particular professional you use their service? I have quite a lots of difficulty sorting myself out in this downtime.

@AndersonFair-cy2bb 2 ай бұрын

Rachel Sarah Parrish is who i work with and she is a hot topic even among financial elitist. Just browse, you’d find her, thank me later.

@Raymondcraw1967RaymondCrawley 2 ай бұрын

She appears to be well-educated and well-read. I ran an online search on her name and came across her website; thank you for sharing.

@theswipecassette 2 ай бұрын

You should do more videos like this! Loved it!

@humphrey 2 ай бұрын

I will!

@noreenn6976 2 ай бұрын

@@humphreyyes please

@GETLITUP69 2 ай бұрын

Ya roast us!!!

@btyc 2 ай бұрын

Yes please. More of these videos with actual numbers

@m_rod9562 2 ай бұрын

Jesus, ~240k a year in his early 30s as a single earner is insane. Dude is doing absolutely amazing financially

@coderider3022 2 ай бұрын

Not good at picking funds/ stocks though.

@upon1vp 2 ай бұрын

😎

@Luci-pz8xx Ай бұрын

240k a year in NYC is still a lot, but not that impressive.

@m_rod9562 Ай бұрын

@@Luci-pz8xx true, didnt realize it was NYC. Cost of living in Manhattan earning 240k is almost the equivalent of 100k anywhere else

@sodangchrispy Ай бұрын

$240k in NYC is still great tbh

@mirage2847 2 ай бұрын

first one is what I should have been. second one is what I should not become. third is what I wanna become.

@nodsib 2 ай бұрын

Yeah, that hit home for me lol. I dropped out of engineering in college, so I missed the boat on that kind of income and getting into the housing market early in life. Fortunately I figured out the saving and investing as I was getting into my 30s and have always avoided debt.

@aaronshang5762 2 ай бұрын

Facts😂

@angeladeem2988 19 күн бұрын

Transfer of wealth usually occur during market crash, so the more stocks drop, the more I buy, in the meanwhile I'm just focused on making better investments and earning more as recession fear increases, apparently there are strategies to 3x gains in this present market cos I read of someone that pulled a proft of $350k within 6months, and it would really help if you could make a video covering these strategies.

@ClaudiaSchreiber-b1p 19 күн бұрын

Safest approach i feel to tackle it is to diversify investments. By spreading investments across different asset classes, like bonds, real estate, and international stocks, they can reduce the impact of a market meltdown.

@ErinWarner-zc9jy 19 күн бұрын

@Robbertskypes 19 күн бұрын

impressive gains! how can I get your advlsor please, if you dont mind me asking? I could really use a help as of now

@ErinWarner-zc9jy 19 күн бұрын

@IsabelleMarie-m1g 19 күн бұрын

She appears to be well-educated and well-read. I ran an online search on her name and came across her website; thank you for sharing.

@Muller-o4d 26 күн бұрын

Economics have been sounding off on just how bad they think the next downturn might be. I need ideas and advice on what investments to make to set myself up for retirement

@Garrett-lo6pu 26 күн бұрын

Buying a stock is easy, but buying the right stock without a time-tested strategy is incredibly hard. hence I will suggest you get yourself a PRO, someone that can provide you with entry and exit points.

@Aron-r3m 26 күн бұрын

Very true , I diversified my $400K portfolio across multiple market with the aid of an investment advisor, I have been able to generate over $900k in net profit across high dividend yield stocks, ETF and bonds in few months.

@Mosley-vu7ff 26 күн бұрын

Please can you leave the info of your investment advisor here? I’m in dire need for one.

@Aron-r3m 26 күн бұрын

‘’Jenienne Miniter Fagan’’ is the licensed coach I use. Just research the name. You'd find necessary details to work with a correspondence to set up an appointment

@PMackenzie-vw3wb 26 күн бұрын

Thanks for the info. I searched for her full name and found her website right away. I reviewed her credentials and did my research before reaching out to her.

@The__Respecter 2 ай бұрын

Absolutely love the format. Should have a part 2-3-4-5!

@humphrey 2 ай бұрын

yes sir!

@c.t.u.o 14 күн бұрын

I don't even know where the stock market is headed to right now. my portfolio of around 200k is not increasing more than 5% and people are predicting a crash.

@MiikeFaber 14 күн бұрын

i'd advise you redistribute assets in your portfolio with the help of a pro so you don't get burnt in the market.

@AllisonAhrens 14 күн бұрын

Having an investment advisor is the best way to go about the stock market right now. I was going solo, but it wasn't working. I’ve been in touch with an advisor for a while now, and just last year, I made over 80% capital growth minus dividends.

@Jasongonzales-45678 14 күн бұрын

I've been considering but haven't been proactive. Can you recommend your advisor? Could really use some assistance.

@AllisonAhrens 14 күн бұрын

Melissa Elise Robinson has always been on the top of my list..She is regarded as a genius in her area and well knowledgeable about financial markets. I highly recommend you look her up if you want excellent collaboration.

@Jasongonzales-45678 14 күн бұрын

Thank you so much for your helpful tip! I was able to verify the person and book a call session with her. She seems very proficient and I'm really grateful for your guidance

@AnthonyJustice-i9x 7 күн бұрын

I lost over $80k when everything started to tank. Not because I was in an exchange that went belly up. I was just stupid to hold and because that's what everyone said. I'm still responsible. It just taught me to be a better investor now that I understand more of what could go wrong. It took me over two years of being in the market, I'm really grateful I found one source to recover my money, at least $10k profits weekly. Thanks Charlotte Miller.

@mirchimome 7 күн бұрын

She is my family's personal broker and also a personal broker in many families I'm United States, she's a licensed broker and a FINRA AGENT in United states

@stephaniebeddis8069 7 күн бұрын

The very first time we tried, we invested $1000 and after a week, we received $5500. That really helped us a lot to pay up our bills.

@sole27ore 7 күн бұрын

I'm surprised that you just mentioned and recommended Charlotte Miller, I met her at a conference in 2018 and we have been working together ever since.

@GrozaGroza-ko7fn 7 күн бұрын

I'm new at this, please how can I reach her?

@mikesnoek 7 күн бұрын

I just withdrew my profits a week ago, To be honest it was an amazing feeling when the profits hits my wallet I wish I could reinvest but, too much bills

@Bestjudy001 9 күн бұрын

Amazing video, A friend of mine referred me to a financial adviser sometime ago and we got to talking about investment and money. I started investing with $150k and in the first 2 months, my portfolio was reading $274,800. Crazy right!, I decided to reinvest my profit and get more interesting. For over a year we have been working together making consistent profit just bought my second home 2 weeks ago and care for my family.

@Bestjudy001 9 күн бұрын

@Ingridlourd02 However, if you do not have access to a professional like Clementina Abate Russo, quitting your job to focus on trading may not be the best approach. It is important to consider all options and seek guidance from reliable sources before making any major decisions. Consulting with an AI or using automated trading systems can also be helpful in managing investments while balancing other commitments.

@Bestjudy001 9 күн бұрын

@Ingridlourd02 Clementina Abate Russo is her name

@Bestjudy001 9 күн бұрын

Lookup with her name on the webpage.

@Bestjudy001 9 күн бұрын

@Ingridlourd02 You are welcome .

@Donald-George 2 ай бұрын

Loved every second of my watch to the very end. You are a great teacher. I’m 46 and own a small business with $380K in savings. But I'd still love to grow my investments ahead of retirement. Do you mentor others? Really need some guidance to financial freedom.

@MickyGlover 2 ай бұрын

Just buy BITCOIN and hold. Or gold, or find quality stocks that have long term potential, and ride with those stocks. But advisably, just seek counsel from a market strategist.

@victoriaabott 2 ай бұрын

...A lot of folks downplay the role of advlsors until being burnt by their own emotions. I remember couple summers back, after my lengthy divorce, I needed a good boost to help my business stay afloat, hence I researched for licensed advisors and came across someone of utmost qualifications. She's helped grow my reserve notwithstanding inflation, from $275k to $650k.

@Adambarking 2 ай бұрын

Smart, If i wanted to do the same with my retirement funds too, how do i get started trading?

@victoriaabott 2 ай бұрын

She's known as a 'Michele Katherine Singh'. One of the finest portfolio managers in the field also widely recognized. Just research the name. You’d find necessary details to work with and set up an appointment.

@Adambarking 2 ай бұрын

Thank you for sharing. I just scheduled a phone call with her. She seems proficient considering her résumé.

@mikezerker6925 2 ай бұрын

The first and third subscribers are doing great. The second one needs to get a job ASAP and pay that debt off first!

@humphrey 2 ай бұрын

agreed!

@nicolasbenson009 2 ай бұрын

My advice to new investors: Buy good companies stocks and hold them as long as they are good companies. Just do this and ignore the forecasts and market views which are at best entertaining but completely useless.

@DorathyJoy 2 ай бұрын

I totally agree; I am 66 years old, recently retired, with approximately $1.2 million in external retirement funds. I am debt free and have very little money in retirement funds compared to the total value of my portfolio over the past three years. To be honest, I didn't do all this alone, but with the help of a financial advisor. Having one is currently the best way to trade in the stock market, especially for people nearing retirement.

@Hectorkante 2 ай бұрын

Is there any chance you could recommend who you work with? I've wanted to make this switch for a very long time now, but I've been very hesitant about. I'll appreciate any recommendation.

@DorathyJoy 2 ай бұрын

@ScottKindle-bk3hx 2 ай бұрын

Thanks a lot for this recommendation. I just looked her up, and I have sent her an email. I hope she gets back to me soon.

@casualreader259 2 ай бұрын

I’m sorry but this is very poor advice. If we all knew “good” companies then we’d all be well off. Financial advisors, especially early on in your wealth building journey, is also not appropriate. They’re costly and can stunt your financial growth. Investing in index funds or target retirement funds is an easy way of having a low-cost, diversified portfolio. Index investing beats managed accounts 9.5/10 times. Do yourself a favor and keep investing simple. You’re right about time though. The longer you keep the money invested in index funds the more time you give it to grow. Compound interest is real.

@mannya_realtor 2 ай бұрын

19 year old has a bright future if he continues to work hard and stays consistent

@Curbalnk 2 ай бұрын

I began working at 18, strived and grew my portfolio to 600k by 27. Recently, lost over 30% and want to mitigate risks. Also, planning to buy a home soon and want my portfolio to grow to a 7-figure ball park so i can retire in 15 years. What should i do for steady cashflow?

@blaquopaque 2 ай бұрын

Everyone needs a Margin of Safety in their portfolios and just remember, It's time in the market versus timing the market

@greekbarrios 2 ай бұрын

You're right, I and a few Neighbors in Bel Air Area work with an advisor who prefers we DCA across other prospective sectors. Instead of a lump sum purchase, Following this, my portfolio grew 30% in the last quarter.

@gagnepaingilly 2 ай бұрын

@greekbarrios I'm intrigued by this. I've searched for financial advisors online but it's kind of hard to get in touch with one. Okay if I ask you for a recommendation?

@gagnepaingilly 2 ай бұрын

Thank you for sharing, I must say, Kristin appears to be quite knowledgeable. After coming across her web page, I went through her resume and it was quite impressive. I reached out and scheduled

@CountingStars333 2 ай бұрын

Scam

@DaniOchannel 2 ай бұрын

Great video, Humphrey. Looking at real life situations gives makes it really relatable. Thank you😊

@humphrey 2 ай бұрын

Glad you enjoyed it!

@AndreaRoberto-wm3th 2 ай бұрын

I just turned 41 and awfully late to investing with barely any portfolio except my 401k, I have a decent amount of cash saved up and with inflation currently soaring AGAIN, I’m getting worried about retirement, my intention is to retire at 65 atleast, so how best do I maximize my savings of over $500k

@Williamjame444 2 ай бұрын

Retirement is now more difficult than it was in the past. it's all about balancing your risk tolerance with your long-term goals. Maybe consider speaking to an advisor to help in diversifying your portfolio to spread out the risk.

@vivianlucy141 2 ай бұрын

Generally speaking, a good number of people discredit the effectiveness of financial advisor in planning for retirement, For over the past 10years, I’ve had a financial advisor consistently restructure and diversify my portfolio/expenses and I’ve made over $3m in gains… might not be a lot but retirement doesn’t seem so farfetched anymore.

@MizThe 2 ай бұрын

Your advisor must be really good. How I can get in touch? My retirement portfolio's decline is a concern, and I could use some guidance.

@vivianlucy141 2 ай бұрын

Melissa Elise Robinson"" has always been on the top of my list..She is regarded as a genius in her area and well knowledgeable about financial markets. I highly recommend you look her up if you want excellent collaboration.

@vivianlucy141 2 ай бұрын

'Melissa Elise Robinson' is the licensed advisor I use. Just research the name. You’d find necessary details to work with to set up an appointment.

@louraneri1274 2 ай бұрын

This is an awesome idea Hump! Not many, if any, would take the time to do this. Great to see real life situations. I believe you are going to help many people with these type of videos.

@Oqa32467 2 ай бұрын

Thanks for the video. Its nice to see an actual practical example!

@humphrey 2 ай бұрын

Glad it was helpful!

@Ubiquitous_1 2 ай бұрын

This is a great format. It certainly gave me an idea to reorganize my stuff. And yes please do more of these. Sprinkle it here and there in between the other things you typically do. As always, I appreciate your tips! Where were you in my 20's?!

@nodsib 2 ай бұрын

Hats off to the 19yo - no debt or school loans, good living situation and plan for home ownership, soon to be engineering degree, and incredible saving and investment habits already. Dudes gonna be a millionaire by 30 for sure.

@Courtney-Alice-Gargani 2 ай бұрын

Roasting someone. That's what Caleb loves to do.

@noreenn6976 2 ай бұрын

More of this please! Also use examples from older people

@humphrey 2 ай бұрын

yes!

@whendeeQ 2 ай бұрын

Agree! We are in our 50s and planning to retire in next 1-2 years. Would love any tips or suggestions!

@Willycheng590 2 ай бұрын

I'm loving this type of videos Humphrey. I put in 30k into various assets late last year and flipped into six figures within a few months and still going. I’ve always been an advocate of investing because it has been rather rewarding. I hope to attain financial freedom soon. One more thing, keep the videos coming brother.

@Novakissla 2 ай бұрын

You can’t overlook the fact that it’s paramount not to get greedy but to remain invested through careful study, if not you can lose it all.

@Vikturneer 2 ай бұрын

Wanting to get into the market myself but I have no knowledge of it and how is it that you’re earning?

@Willycheng590 2 ай бұрын

It’s not rocket science. As I said previously, I got into stocks, index funds, and REITs, myself but wasn't getting the results I wanted the first couple of months. Got tired of losing and decided to seek mentorship from Jonas Herman, a certified fiduciary who helps oversee my investments.

@Drhuntley 2 ай бұрын

@@Willycheng590 While it may sound enticing, it is important to understand that stocks, like a fine wine or a Monet, has no standardized value. You look all good on the outside, while you wait till almost death to enjoy your wealth which presents an enormous economic(uncertainty) risk.

@gem8500 2 ай бұрын

This is a bot comment just so everyone looking here knows

@VladimirGuillen 2 ай бұрын

This was definitely great to see! Well diverse financially speaking, it shows different perspectives! Make it a series!

@humphrey 2 ай бұрын

That's the plan!

@hunterandchavy 2 ай бұрын

Thank you Humphrey for bringing real life examples from real people I think we are doing better than most you around these types of conversations

@mart1n10601 2 ай бұрын

Phenomenal video. having practical examples to look at and look at how you would approach these situations is inspiring! Gives us good feedback as to how to apply to our own finances.

@humphrey 2 ай бұрын

Glad you enjoyed it!

@inventist 2 ай бұрын

16:01 I see NVDA in there. It just exploded, so he might have just gotten a jump start on his FIRE goal.

@SkatingwithAaron 2 ай бұрын

Enjoyed this style of video. Please keep them coming!

@SarahMelissaBrown744 2 ай бұрын

This is great! Love this video, first KZfaqr I have seen do something like this. Very creative!

@humphrey 2 ай бұрын

Glad you liked it!! more to come Sarah

@Dionn91 2 ай бұрын

Love this format! this is different to other finance channels out there, so I reckon you should do more of this

@humphrey 2 ай бұрын

Thanks! Will do!

@JosephWeisberg-mx8dl 2 ай бұрын

This was a great video! Really enjoyed seeing what’s out there with others. Do more!!

@Susanhartman. Ай бұрын

At 56 I already own shares of PALANTIR, TSLA, NVDA and APPL as well. Sure, I don't mind having these equities sit around for a while, but I'd also like to appreciate short-term opportunities that could fetch $200,000 or less..

@Grace.milburn Ай бұрын

If you need advice on short-term investments, consider speaking with a financial advisor. They have a lot more knowledge and expertise in this area.

@mikegarvey17 Ай бұрын

True. Having the right financial planner is invaluable. My portfolio is well-matched for every season of the market and recently hit 90% rise from early last year. I and my CFP are working on a 7 figure ballpark goal, though this could take till Q3 2024.

@mariaguerrero08 Ай бұрын

@@mikegarvey17Impressive can you share more info?

@mikegarvey17 Ай бұрын

Her name is. ‘GERTRUDE MARGARET QUINTO’. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.

@ThomasChai05 Ай бұрын

I just curiously searched her up, and I have sent her an email. I hope she gets back to me soon. Thank you

@TheGraveOne 2 ай бұрын

This is my favorite video you've ever done. Great stuff

@humphrey 2 ай бұрын

Wow that means a lot, thank you :)

@yuramamin6611 2 ай бұрын

Humphrey, thanks for the video! Great opportunity to take a look from a side on other smart guys portfolios! Your comments are highly valuable as usual 😊

@dwalker5175 2 ай бұрын

I’m 74. I’d like for you to do a “Caleb Hammer” evaluation of my situation. Curious about what you think about my asset allocation.

@PeanutButter123 2 ай бұрын

It appears evident, looking forward to another part of this and turning it into a series! Great video!

@nicholasdehollander3394 2 ай бұрын

I lived at home and went to CWU in Ellensburg, WA just like the first person. Saved so much money that gave me the freedom to explore options after graduating without being forced to immediately start paying off debt

@Kalialeee 2 ай бұрын

This is helpful and interesting!! Do more of these videos!!

@humphrey 2 ай бұрын

More to come!

@lisanbradshaw 2 ай бұрын

Love this format! Hope you make more videos like this!

@humphrey 2 ай бұрын

working on it

@SL-lz9jr 2 ай бұрын

My own circumstances were different from the 19yo in this video but similarly I had very little debt and was essentially starting from scratch. The big difference is social media was in its infancy at the time so financial information was gatekept and not at all accessible unless you understood the lingo. I wish I had been thinking like this 19yo and get a head start in life. So much of investing is simply time and I wasted my 20s by not taking advantage of my debt free situation. Now in my 30s I'm trying to play catch up. I'm doing okay for my age but I know I would be more financially set if I had taken advantage of my debt free 20s. My 30s has been incredibly rocky. I lost 3 jobs in succession. I haven't really been able to save much in recent years. I only have what I have because I was at least smart enough to save in my 20s but I wish I had known more about investing. That's the time to learn and take risks and figure it all out. Kudos to any young people out there getting a head start!!!!

@scottbatley1983 2 ай бұрын

Being able to stay home is clutch. I have a fried. Who got a master in education and left college with no debt, and he lived with his parents ts for 15 years after college and worked as substitute teacher. He bought his house in cash.

@rebeltheharem7028 2 ай бұрын

The college student was basically me when I first started investing. I lived as cheaply as possible, so I could save all my scholarship money (didn't have loans, cause my family was so poor, I qualified for all the financial aid in my state). Because of that I actually graduated college without debt, and net worth positive, which really helped when I couldn't find a full time job for the first 2 years after graduation. And come today 12 years later, I've kept that same "live way below your means" spending and investment habits, and pretty much hit my Coast FIRE amount already... 20 years earlier than expected. If my current job and work environment wasn't so good, I probably would have retired already.

@cheddar500 2 ай бұрын

Great format! Love seeing real examples

@humphrey 2 ай бұрын

More to come!

@BostonCycling_ 2 ай бұрын

Note about PayPal credit: Often times the way their 0% interest promotion works for PayPal credit is it’s building up in the background and will hit you like a freight train, If you wait for the promotional period to end, if it’s paid off before the six months or whatever you will owe no interest, but otherwise you owe all the interest backdated to day one.

@MrTmenzo 2 ай бұрын

#2 didn't get a good return on his education. Almost six figures in student loans and only earned 57k gross.

@Garbimba1900 2 ай бұрын

This was pretty interesting. Thanks for putting this together and those who contributed

@dyslexcii 13 күн бұрын

From what I see, the third portfolio’s individual stocks are mainly dividend kings/aristocrats. Seems they are going for living off dividends, but still that is a ton of holdings lol

@danives9085 2 ай бұрын

Nice analysis. Would suggest taking into account all three were younger, and from what it sounded like, had not started a family of their own yet. Advice and outlook changes drastically when incorporating a family into financial futures.

@gregwatkins1332 2 ай бұрын

Best kind of video, you should continue to do these

@jameszeng2666 2 ай бұрын

Those are solid examples, I learned so much. Thanks!

@Letsgohsiwb1782 2 ай бұрын

This was great - more of these videos please!

@humphrey 2 ай бұрын

working on it

@adammontoya8329 2 ай бұрын

Im still only on the first guy, and something that never gets mentioned in these is a 5% down conventional or FHA loan. I know everyone wants the 20% down to avoid mortgage insurance, but sometimes it's still a good idea. I've been fortunate as a military member and was able to use a 0% VA loan. But I also used a conventional loan with 5% down because there weren't rentals i wanted to live in near my new station and have made 80% of my net worth from those two properties that I originally had almost no equity in. I know it's a risk, but in my mind, it's a worthwhile one.

@Lawrence_McKnight 2 ай бұрын

More of these please!

@dannymartial7997 2 ай бұрын

Out of these 3, I relate to the 3rd guy the most. Except I have to halve all the numbers. I make half as much as him and my FIRE goal is $1m rather than $2m.

@aureliam.5454 2 ай бұрын

Luv the format of reviewing.💚💙

@humphrey 2 ай бұрын

ok :) will do more

@jbobby1841 2 ай бұрын

Love this form of content. Kind of jealous you didn’t analyze mine but still quality info

@humphrey 2 ай бұрын

more opportunities to come!

@davidplugz 2 ай бұрын

We need more videos like these

@marshmallow2034 2 ай бұрын

Episode 2 of this is needed!

@humphrey 2 ай бұрын

im on it!

@alexpietsch7997 2 ай бұрын

I hope Humphrey keeps this up for a few years. Right now my wife and i have about 80% of our portfolio in cash/20% s&p index because we're saving for a house

@curtissouth916 2 ай бұрын

Love this format. Keep it up! I relate to #3. I have about 27 individual stocks I bought years ago. Many are doing VERY well and others not so much. But as of about 2 years ago I stopped buying individual stocks and now only buy 4 index funds. Now it’s just a timing factor of how to exit the underperforming stocks. Have been tax loss harvesting.

@humphrey 2 ай бұрын

yep exactly~!

@fishlover 2 ай бұрын

This type of video is great. Answers his questions helps as well!

@mattmurdock-vk6sl 2 ай бұрын

This is great! More of these type videos please.

@HunterGlod 2 ай бұрын

This is great. More please!

@humphrey 2 ай бұрын

More to come!

@anishmangla8612 22 күн бұрын

bro i clicked on this video looking for some fun and just 2 minutes into it, I am already jealous !

@a32tl 2 ай бұрын

The outrageously high debt of the #2 guy would drive me bonkers, especially if I didn’t have an income. Coming out of college with close to, or more than 6 figures in debt is no way to start your life.

@OJDaJuiceman1 12 күн бұрын

Love these videos!

@adamjthompson 2 ай бұрын

$2 million isn't much to retire early on... after a few decades of inflation he's going to wish he worked longer to build a bigger nest egg.

@arh1234 2 ай бұрын

$2M should provide $70k/year, adjusted each year for inflation, likely forever (Bill Bengan says 3.5% SWR likely to last for infinite retirement. ) Pretty closs to his current spend, and doesn't even account for any Social Security

@user-tb7rn1il3q 2 ай бұрын

@@arh1234I have $3M plus a $750k paid for house (and no other debt). I wouldn’t even think of retiring for at least another 10-15 years. I will also get a pension and SS, but those are not enough.

@glasshalffull2930 2 ай бұрын

@@user-tb7rn1il3q Everyone’s situation is different,but you may consider retiring. I’m curious as to how old you are, what your annual expenses are and what your pension/SS would be. I also have a pension and bridge SS as I’m a government retiree. My portfolio has been 100% S&P500 for 34 years. I retired at 55 with $1.2 million nine years ago. I figured my pension/SS and about a $100K in emergency cash would keep me afloat during any major market drop. Because of this, I stayed 100% S&P 500 and it has grown to $3.3 million even after taking $52K a year for the past four years. IMHO, unless you have huge annual expenses, your portfolio/pension is so large that it could withstand a major market downturn.

@Vertexp 2 ай бұрын

@@user-tb7rn1il3qhow old are you now?

@allamasadi7970 2 ай бұрын

Do more of these videos!

@andrewj.m.157 2 ай бұрын

Great Video. More of these please.

@mattevans1643 Ай бұрын

Yep with the first kid, very aware for a 19 year old. But once he's on his own, that 80% turns into nothing real, quick.

@trackee2024 2 ай бұрын

Ugh I hate the comparisons to Caleb. That guy is click bait trash who roasts people who don’t know any better. I unfollowed and am happier for it. THIS is actually way more useful and I’m glad you’re doing portfolio analysis!! Most of the internet goons are not qualified to discuss these topics.

@azizharrington1304 2 ай бұрын

Last one doesn’t sound like he cares about a family. Hope he find happiness retrieving at fourty and focusing on himself.

@humphrey 2 ай бұрын

who knows, priorities can change

@StreetwiseEconomics 2 ай бұрын

This is very insightful Humphrey. Thanks for sharing. I liked the subscriber number 1& 3 . They have high savings rate which is good and no debt

@Teo-ch4ri Ай бұрын

Loved this kind of videos!

@Sarah-ps7ow 2 ай бұрын

I would love it if you made this a weekly or biweekly episode series

@jamievanaalderen3806 2 ай бұрын

We need a video on high risk tolerance portfolios!

@Shysphere 2 ай бұрын

I really enjoyed this video! I’d love seeing one of these once a month

@humphrey 2 ай бұрын

Glad you enjoyed it!

@Aleksakoro Ай бұрын

This is a cool video never seen u before ill sub and like good work man

@dfv671 2 ай бұрын

To the software engineer, sell everything and all in on NVDA!

@ryanvemulapalli Ай бұрын

Currently, at 34k USD net worth at age 20, I am projected to be at 58.5k USD by the end of summer 2025 as I will be working the first 8 months of the year and investing most of it. Then, I will be returning back to school. Fortunately, I have a resp, which here in Canada is an educational tax-free account, so I got tuition covered. On pace for well over 85k USD or 100k cad by graduation!

@SquatsAndThoughts 2 ай бұрын

Nice "roast." You have the humor of a carrot.

@ZackSeifMusic 2 ай бұрын

This would be a cool bi-monthly series!!

@stephenwrightmusic Ай бұрын

Good vid. First guy could consolidate it all into VT and more or less get the same results with less hassle. Second guy needs to clear his debt. Third guy could consolidate if he doesn't mind the tax hit but otherwise leave it alone.

@ferrocone 11 сағат бұрын

I would self delete if I was in that debt situation of the second subscriber

@skenderaxe5968 Ай бұрын

Yes, he’s not trying to get fired 😂

@Jemike5 2 ай бұрын

What compare tool is used here? 10:47

@trapbois4573 2 ай бұрын

I always stand by debt riddance first, everyone want to make more but the APRs on loans are so high that paying it off fast is the best strategy towards a healthy financial life.