Roasting My Subscribers’ Investment Portfolios
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- Опубликовано: 25 июн 2024
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WATCH PART TWO: • Roasting My Subscriber...
In this video, I review & roast portfolios from 3 of my subscribers and give my thoughts on their investments. We go over the profiles of 3 different people, all in different stages of life: a 19-year-old college student, a 32-year-old in between jobs, and an early 30s software engineer earning a great salary in NYC.
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WHO AM I?
Hello 👋 I’m Humphrey, I used to be a financial advisor, worked in gaming/tech, and started my own eCommerce business. I make practical, rational content on investing, personal finance, the news, and much more with a data-backed approach. My goal is to help you with financial literacy and creating wealth.
PS: I am no longer a current Financial Advisor, any investment commentary are my opinions only. Some of the links in this description are affiliate links that I do receive a commission for & they help support the channel!
⏱️ Timestamps:
0:00 - Start Here
0:43 - Teen College Student
6:45 - Facet Wealth
8:12 - Early 30s Between Jobs
14:18 - Early 30s Software Engineer in NYC
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
Just joined, Humphrey!
More please 😊
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.
@@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
I would love to help mine reviewed! Love your content Humphrey 👏😃 I just missed replying to the message on discord 😅
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.
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.
...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.
Smart, If i wanted to do the same with my retirement funds too, how do i get started trading?
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.
Thank you for sharing. I just scheduled a phone call with her. She seems proficient considering her résumé.
That 19 yo is kicking financial ass 🎉
he is!
The fact he's already watching Humphrey is 👌
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
@@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.
@@beluga.7761good going that! Do you have a stocks and shares ISA?
Jesus, ~240k a year in his early 30s as a single earner is insane. Dude is doing absolutely amazing financially
Not good at picking funds/ stocks though.
😎
first one is what I should have been.
second one is what I should not become.
third is what I wanna become.
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.
Facts😂
You should do more videos like this!
Loved it!
I will!
@@humphreyyes please
Ya roast us!!!
Yes please. More of these videos with actual numbers
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
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.
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.
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.
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.
'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.
Absolutely love the format. Should have a part 2-3-4-5!
yes sir!
I was advised to diversify my portfolio among several assets such as stocks and bonds since this can protect my portfolio for retirement of about $750k. I want to know: Do I keep contributing to my portfolio in these unstable markets, or do I look into alternative sectors?
Just try to diversify your portfolio to other market sectors, that way your investment is balanced and you don’t get to make so much losses.
I stopped listening and taking financial advise from these RUclipsrs, because at the end of the day, I end up with a bunch of confusing stocks without knowing when to take profit, In reality, all I needed was professional advice.
That’s impressive, have you always had a financial advisor?
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.
Thanks for sharing, I just looked her up on the web and I would say she really has an impressive background in investing. I will write her an e-mail shortly.
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.
The key to big returns is not big moving stocks. It's managing risk in relationship to reward. Having the correct size on and turning your edge as many times as necessary to reach your goal. That holds true from long term investing to day trading.
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.
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.
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.
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.
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?
Everyone needs a Margin of Safety in their portfolios and just remember, It's time in the market versus timing the market
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.
@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?
Well, I chose *Kristin Amber Landis* as my advisor after her interview on CNBC In 2020. She is SEC regulated with offices in the US and quite frankly a genius with portfolio diversification. You should look her up
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
19 year old has a bright future if he continues to work hard and stays consistent
The first and third subscribers are doing great. The second one needs to get a job ASAP and pay that debt off first!
agreed!
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.
Great video, Humphrey. Looking at real life situations gives makes it really relatable. Thank you😊
Glad you enjoyed it!
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?!
Investing in alternative income streams that are independent of the government should be the top priority for everyone right now. especially given the global economic crisis we are currently experiencing. Stocks, gold, silver, and virtual currencies are still attractive investments at the moment.
Since risk is at an all-time high right now, perhaps you should be a little more patient and return when it has decreased. Alternatively, you can consult a trained financial expert for strategy.
Yes true, I have been in touch with a brokerage Advisor. With an initial starting reserve of $80k, my advisor chooses the entry and exit commands for my portfolio, which has grown to approximately $550k.
I’ve been looking to switch to an advisor for a while now. Any help pointing me to who your advisor is?
Just research the name Angela Lynn Schilling. You’d find necessary details to work with a correspondence to set up an appointment.
I searched for her full name online, found her page, and sent an email to schedule a meeting. Hopefully, she responds soon. Thank you
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!!!!
Roasting someone. That's what Caleb loves to do.
Thanks for the video. Its nice to see an actual practical example!
Glad it was helpful!
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.
It appears evident, looking forward to another part of this and turning it into a series! Great video!
This was definitely great to see! Well diverse financially speaking, it shows different perspectives! Make it a series!
That's the plan!
My portfolio doesn’t just cater to dividend stocks. I hold $VFIAX (S&P 500 index fund) in my Roth IRA and $VTI (Total Stock Market ETF) in my taxable brokerage account. Two of my largest holdings. The individual dividend stock positions all complement the index holdings.
This was a great video! Really enjoyed seeing what’s out there with others. Do more!!
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.
Glad you enjoyed it!
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
More of this please! Also use examples from older people
yes!
Agree! We are in our 50s and planning to retire in next 1-2 years. Would love any tips or suggestions!
This is great! Love this video, first RUclipsr I have seen do something like this. Very creative!
Glad you liked it!! more to come Sarah
This is my favorite video you've ever done. Great stuff
Wow that means a lot, thank you :)
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.
Those are solid examples, I learned so much. Thanks!
Enjoyed this style of video. Please keep them coming!
This was pretty interesting. Thanks for putting this together and those who contributed
Love this format! Hope you make more videos like this!
working on it
Love this format! this is different to other finance channels out there, so I reckon you should do more of this
Thanks! Will do!
ETFs makes up a large portion of my portfolio
To enhance our long-term investment mix, my partner and I are introducing a range of stocks and ETFs.
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).
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.
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.
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.
This type of video is great. Answers his questions helps as well!
Thanks for the analysis!
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
This is helpful and interesting!! Do more of these videos!!
More to come!
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.
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.
Wanting to get into the market myself but I have no knowledge of it and how is it that you’re earning?
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.
@@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.
This is a bot comment just so everyone looking here knows
Best kind of video, you should continue to do these
Episode 2 of this is needed!
im on it!
Luv the format of reviewing.💚💙
ok :) will do more
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.
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.
We need more videos like these
This is great! More of these type videos please.
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.
yep exactly~!
Love this format! 😊
I'm glad!
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 😊
More of these please!
This was great - more of these videos please!
working on it
Great format! Love seeing real examples
More to come!
This is great. More please!
More to come!
Love this video! Excellent tips
Glad it was helpful!
Enjoyed it a lot. I suggest doing more.
I really enjoyed this video! I’d love seeing one of these once a month
Glad you enjoyed it!
Do more of these videos!
Great Video. More of these please.
Profile 2 took reddit's advice on gamifying rewards credit cards - I have no idea how literally anyone believes they can be financially independent without a house\condo paid off in full... your cost of living\housing is not only one of the largest expenses you pay in retirement, its one that constantly goes up. My father and mother had the lot\dues for their retirement communities double in last 5 years - and there is zero evidence it won't double again in the next five years.
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
Great video! Please do more
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.
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
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.
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.
More of these please
More to come!
16:01 I see NVDA in there. It just exploded, so he might have just gotten a jump start on his FIRE goal.
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.
I like this type of videos! 😊
Glad you like them!
This would be a cool bi-monthly series!!
Do more of these
I use my 3 ETF monthly dividend/distributions to fund VGRO with monthly dumps as well. My money working for me.
Nice work investment
Love this form of content. Kind of jealous you didn’t analyze mine but still quality info
more opportunities to come!
def enjoyed this video so i can see how i measure up to others. nver heard of 457b until today.
I really liked this style of video
great!
What site do ypu use to look at overlaps ?
Is there an online site or tool that shows the overlap of different funds / ETF's?
Dope vid homie ❤
Glad you enjoyed
Love this! Larned alot because I know I'm overdiversified with overlapping ETFs and MFs.
What compare tool is used here? 10:47
I would love it if you made this a weekly or biweekly episode series
1st one: Good Beginning
2nd one: Dark, Dystopian Present
3rd one: Beautiful Utopian Present
We need a video on high risk tolerance portfolios!
Does the first person's example home includes taxes and insurance? That monthly payment seems low on borrowing $560k
Excellent review of diverse financial strategies tailored to individual goals! A key takeaway for us is the importance of adapting investment approaches to suit different life stages and financial objectives. 🏠
Absolutely!
hey, can you do more of these!
Closest to #3 only because #1 & #2 were so vastly different. Just curious about rent/housing situation for #3 because nothing was mentioned.
Excellent
Very logical and hemlfil
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.
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.
Would definitely be interested in participating in a part 2
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.
For the second fellow, I would sell everything and pick one undervalued stock to hold for the long term. I think Bristol-Myers Squibb is a great example, but there are others. Just keep pumping funds into this as he can afford to, after paying down debt. By diversifying heavily he's going to make average gains at best, on $4000, which is pocket change. He'd make more money with a lemonade stand. If after buying into BMY for several years and it eventually climbs to an over valued state, consider selling and moving into another undervalued long term position. He really needs to get that $4000 working for him instead of spreading it out and protecting it.
For the last guy he'll do well no matter what since his ability to sock money away is off the charts. What I would do is have a plan for what the portfolio should look like at 40 years of age so that it works for him when he stops pumping his income into it after retirement. To that end I would take everything and put it into SCHD, or a similar fund. He'll get cash flow to live on from the dividends it pays, and the growth that is retained in the companies will keep the account growing faster than inflation into the future.
Please do this regularly
More to come!
$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.
$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
@@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.
@@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.
@@user-tb7rn1il3qhow old are you now?
#2 didn't get a good return on his education. Almost six figures in student loans and only earned 57k gross.