21 Money Lessons I Wish I Knew Earlier

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Let's go over the 21 Money Lessons You Should Know in order to get rich. I think everyone should know these, and they are a compilation of all the best wisdom I have for you. I hope you enjoy, and let me know what you think down below in the comments.
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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
0:10 - Looks Aren’t Everything
1:22 - Compounding Makes You Rich
2:20 - Lump Sum Splurge
3:40 - Affordability
4:24 - Look for a CFP
5:37 - Don’t Fly First Class
6:34 - Credit Utilization
7:09 - Never Carry A Balance
7:37 - Buy Some Bitcoin
7:48 - Know How Much is Enough
8:49 - 401(k) Match
9:17 - Automate Your Savings
10:07 - Expense Ratios
10:44 - Making Money is a Muscle
11:31 - Surround Yourself with Driven People
12:15 - Diversification
13:04 - Leverage is Needed
14:08 - Invest Early
14:41 - Filter Financial Advice
15:05 - Capital Preservation
15:48 - Transparency

[@humphrey]

What was your favorite lesson today? Let me know by dropping a comment - and subscribe to the channel 👀

[@FlyingAnna]

Watching this video as a “first class travel KZbinr” 😂

[@brock5946]

@@FlyingAnna Which man been paying for you first class flights?

[@berniekeene868]

Where is the link to your Discord community?

[@xiphoid2011]

Yeah, being an Asian, I have to agree with American financial mentality is different. When my co-worker gets their bonus: I can buy that xyz I been eyeing. Yay! When I get my bonus: I can retire another year early. Yay!

[@jollama]

This is why we say Asians are smart

[@jlakindd]

eh debatable, gotta celebrate small victories and treat yourself. Idk retirement... you never know the future.. tomorrow is never promised. Gotta find a good compromise

[@HarryPotterFan1307]

Love this mindset!

[@jollama]

@@jlakindd IRA/Roth IRA

[@sw6118]

Hey, some Americans think that way too.

[@SSJUFC]

Buying Bitcoin is the most underrated and most effective tip in this entire video. Well done!

[@Quantris]

never fly first class (unless someone else pays for it)...you can fly economy and spend the difference on an awesome steak dinner or something and IMHO thinking about it that way makes the choice really obvious if first class saved you time that would be maybe worth it but the plane takes off and lands at the same time for everyone. it helps if you are able to just sleep on planes because then there's basically no difference between first class and economy lol

[@robertbalian9144]

Humphrey is a very smart man. I absolutely love his advise. So much wisdom. This is the man to listen too.

[@dylanschang6386]

Bro rly snuck in “buy bitcoin lol” thinking we wouldn’t notice

[@horizoniki]

Based on historical data alone that is a logical advice

[@gabytrumbull7880]

This is amazing. “How to build wealth”

[@gabytrumbull7880]

The first step to building wealth is figuring out your goaIs and risk toIerance - either on your own or with the heIp of a financiaI pIanner, and foIIowing through with an inteIIigent pIan, you wiII gain financiaI growth over the years and enjoy the benefits of managing your money.

[@gabytrumbull7880]

I am fortunate I made productive decisions that changed my finances (gathered over 1M in 2years) through my financiaI planner. Got my 2nd house in Feb, and hoping to retire soon. Give this a try and attain good-returns

[@gabytrumbull7880]

For more lnfo

[@gabytrumbull7880]

FinanciaI-PIanner Rebecca Mart-Watson (in fuII).

[@gabriellat.6735]

l’m amazed to partake on this, lt has rekindled the fire to my goals.

[@vladrazym9955]

Wow, that Bitcoin point was unexpected on a financial channel

[@ebayseller6040]

1:06 greatest designer cloth guy of ALL TIME

[@sharamafiz3441]

Great book recommendations, I’ll have to check them out!

[@owensalex0615]

Hey Humphrey! Enjoy watching and learning from you!

[@nabamitachatterjee7432]

You are so good at guiding us. We have started investing in index funds. For bitcoin would u hv any recommendations where to buy from and what is a good amount to put in bitcoin?, thanks a lot

[@oOBlahBlahOo12345]

#4- best ever. Definitely need to watch that lifestyle creep.

[@deejkeithanmusic]

If you had 20k capital in your checkings, would you put it into a hysa or take the risk in an index fund? I know there are more options, but I'm intentionally asking an 'either or.'

[@humphrey]

HYSA if I need the money in the next year or two

[@Yugiboii]

Depends if you have your 3-6 months emergency fund already or not

[@JohnLee-vl8qk]

I got a bonus this year, and boy did I need it!! I still had to put that money and more to my taxes!! Woot woot!!

[@MomoHitsujiOwO]

Hello! Found you through your collab in George Kamel’s channel and I’m currently binging through all your content! My favorite lesson is #4! Because of my high paying job, lifestyle creep has definitely affected me, so knowing that just because I know I may enough money to splurge on stuff, doesn’t mean I should because it hinders my long term goals like buying a house! Thank you so much for making fun, informative content! ❤

[@humphrey]

Welcome aboard and thank you for coming!

[@slushpuppii]

Deff started to feel lifestyle creep, especially when moving to a bigger apt and now feeling like I need to fill it. Have made sure I have upped my contributions to 401k and savings cause this money isn't forever

[@MomoHitsujiOwO]

@@slushpuppii Same here! When I first got married and got a brand new apartment with way more space than we knew what to do with, we filled it with so much stuff. But, when we decided on having a baby, we realized lifestyle creep got to us and we sold things we could, as we needed both more savings and space 😭

[@elizabethmaedavenport]

I really liked the information, but also the editing of this video! 🙂

[@bookwormbon482]

Fantastic video, very valuable content and to the point. Thank you!

[@humphrey]

Glad it was helpful!

[@SundayMoneyTV]

Great stuff! Bookmarked for the next issue of Sunday Money!

[@Bangpaulxu]

Always appreciate your content! Much love from Shanghai!

[@humphrey]

I appreciate that!

[@jeremydudet]

Great vid Humphrey!

[@christams8863]

Very wise advices from you...thank you!

[@richardsanty9063]

Bitcoin is way to volatile for me.

[@humphrey]

thats ok! you dont have to buy

[@michaelduffproductions8976]

I'll happily buy the bitcoin that you're not buying :)

[@andichrist2000]

Volatility = opportunity

[@jollama]

*too

[@richardsanty9063]

@@andichrist2000 and fail.

[@greg1vq]

@humphrey where can I get your black long sleeve shirt?

[@kahuhipajae4088]

Here here! Great thoughts for the day.

[@treeshagayoso]

You make such great videos 👍🏻

[@humphrey]

Glad you like them!

[@b.b.stanfield9829]

General comment: Discord did not take me to your channel on the invite initially. Not sure why, but after several attempts, and for an unknown reason, it suddenly worked. Just so’s ya’ know……..loved the video by the way. Very to the point. Too late for me. I have already learned these lessons the hard way. At 70, I’m in a different phase compared to anyone pre-retirement but most of these hold true at any age.

[@elizabethmaedavenport]

You rock Humphrey! Keep it up! 🙂

[@fwfeo]

2:13 from one million to 1.4 billion is 1400x growth in 26 years! From one billion to 100 billion is 100x wealth growth achieved in 36 years! From 56 years old to 82 years old he went from 1.4 billion to 60 billion in 26 years. That’s only 42x growth vs the 1400x growth! So, there wasn’t much of a compound effect, but a dramatic slow down!

[@tariqabughofa9730]

yes. Buffet said that value investing is not as easy as it used to be when he was young.

[@damondiehl5637]

Say you have one dollar and I give you a dollar. You have increased your wealth by 100%, but it doesn't buy you much more. The number of zeros behind a number matters. The rate may have slowed, but the growth is exponential. In a different video he shows that getting to your first $100k is 25% of the way to getting to $1 million. It takes about 8 years to get to $100k. The jump from $900k to $1 million only takes 1.5 to 2 years. Compound interest gets spectacular if you can make it to that 7th, 8th doubling. That's why everyone harps on starting early.

[@JosephG23]

If Warren buffet had $5,000 at 14 that would be $86,758.89 in today's money...........

[@FarFetchedFlorida]

Yes but they would both but the same amount of milk because that’s how inflation works

[@schrodingersmechanic7622]

That 401k match is no joke. Over the years with my employer, their matching constitutes a significant portion of my net worth (well into six figures of free money)

[@jamming8148]

I agree with all of this

[@marguritekostecki2194]

My most important money rule is Never Put All Your Eggs In One Basket. As a 9-5er, I made more than twice my income last year from only stocks and freelance developing. I also experiment with a couple of other things. It's way harder to make money plans when it's coming from just a source No Matter How Well It Pays.

[@planetsaver]

This used to be me. Just know that you must either understand the market well enough or get the services of a fin. adviser who does for your "investment" to count. I have gotten close to a hundred grand within the past few months only after some months of throwing my money in the wind. You should try again, good thing is you now know better. Goodluck!

[@Wayne-bk1jc]

i've got similar problems and I have also considered using an FA but I don't know how to go about it. please, what are the steps for getting one? like a really good one.

[@planetsaver]

You should start by looking out for those from known firms and good track records. You should also make sure the person is licensed. Personally, I use Kelly Matwick. She's good and you could also look her up.

[@Alejandracamacho357]

planetsaver I know her. Used to share same office block with her back in the day nice lady

[@mikemagnotta5396]

@@hildredscali1754can’t expect much from only a couple weeks on individual stocks. They say time in the market is better than timing the market. Try and again and hold for a couple months instead of weeks. It’ll turn out better !

[@Courtney-Alice-Gargani]

Are you posting more videos now?

[@humphrey]

yep!

[@Aric_V]

Is a TSP pretty much the same thing as a 401k, I’m 23 with 25k in there

[@humphrey]

yes its very similar!

[@JonathanJudice]

Hello Fellow Investors.... great list

[@jackaboyx3]

This video 💯 💯 🔥

[@courtneyshannon2621]

The only time it might be okay to carry a balance on credit cards is if you have 0% APR or some payment plan options where you don't have to pay interest. I got a travel rewards card that had 0% APR for the first year, so that year I booked my flights and other travel plans early to take advantage of better prices and then took my time paying them back, and it was also during a time of relatively high inflation. Another time I had to put in a lot of work on my car, so I put that on another credit card that had a payment plan with no fees or interest, so it was nice to be able to pay that off over six months.

[@coolceelah]

Hi, Can you discuss your plans to buy real estate in California? The median home is like 1.300M. Will you decide to buy outside of California or wait until interest rates drop.

[@HazMat1012]

I bank with Chase and USAA. I have a small portion of my paycheck (about 10%) directly sent to USAA, and the rest goes to Chase.

[@victorblas3483]

401k is the best one for sure!

[@DrGODofTHUNDER]

Close, but no. It's the ROTH IRA -- Tax Free when you take it out. Most powerful money-building tool out there

[@victorblas3483]

@@DrGODofTHUNDER you are correct!

[@DefenestrateYourself]

@@DrGODofTHUNDER nope employee match in a 401k is the best. 401k has a much higher limit too. Also HSAs are triple tax advantaged and are also superior to Roth IRAs

[@DefenestrateYourself]

@@victorblas3483 incorrect

[@damondiehl5637]

@@DrGODofTHUNDER You can put three times more money away in a 401k ($23,500 vs $7000; even more if you over 50), and you can often get an employer match. And your entire 401k can be a Roth, as of this year. If you can afford it, do both.

[@Dymolabelwriter450]

Content’s been on a heater lately I see you bossman

[@stephans1990]

I’m not sure if this is what you meant, but leverage is investing with borrowed money. Not just investing with more money.

[@bluesky973]

22. Create streams of passive income with rentals

[@ShawDAMAN]

Hi Humphrey, i have about 13k in auto loan debt with an interest rate of about 4.5, i also have a HYSA which gives 4.5, with about $1200 currently in the HYSA. If i have "extra" money at the end of each month, should i put it toward the HYSA and build up the emergency fund first or pay down the debt first? The car debt is the only debt i have other than incidental smallish expenses on credit cards which are quickly paid off. Thanks!

[@damondiehl5637]

Debt is dumb, pay off the car.

[@KevisaVivose]

Time in the market > Timing the market .

[@yondrusek]

Here after your George Kamel interview. Now a subscriber 🥳

[@humphrey]

thank you!

[@sosadagod6963]

Got my sub

[@amill1563]

Are you available for personal consult?

[@pauloferro2593]

Humphrey, good video man. What do you think of buying lands/ real estate? what are your thoughts on this?

[@benjaminlanzas1507]

Hey, just saw your high APY savings accounts video and im wondering is there a minimum amount of money you deposit before opening a high APY account? Is $1000 ok or $3500 or $5000, or having little money at 5% is better than at 0.01%?

[@Yugiboii]

Most HYSA don’t have a fee for not keeping a minimum amount.. Outside of a 1 month emergency fund in my checking account all my other savings is kept in HYSA

[@thily]

thanks for the great video Humphrey! definitely have been learning a lot from you. could you make a video aimed at college students / recent grads? i recently graduated with my bachelor's and will start my full time corporate job soon and would love to get advice on that!

[@lt5339]

Can I ask a question? Does home and car mortgage count as credit utilization?

[@jollama]

Can I ask a question? Do you know what Google is?

[@DefenestrateYourself]

@@jollama why use energy being rude when you can just be quiet? Bless your little heart

[@jollama]

@@DefenestrateYourself These people like to treat their time as more valuable than everyone else’s. They need to learn what year we live in and know everything can be answered through the search engine on their phone. Do not defend stupidity

[@omarmohammed3994]

Amazing content. Learning new things everyday ✨️ keep it up

[@omarmohammed3994]

Lesson#22: wish I subscribed earlier 😅

[@xensan76]

A bit spicy with that Bitcoin recommendation! If you're going ahead with it, how much would it be helpful to buy?

[@Nigriff]

2-5% of your total investment

[@DefenestrateYourself]

@@Nigriff eww

[@panike]

I wish i had these information when i was in my 20s

[@timehathtcg]

What coincidence this comes up right as im building up and see something i really want to get

[@daddyland]

Took me a long time but out of my four close friends, i finally got one of them to stop trying to day trade and start investing for the long time lol before it felt awkward talking with them because they kept seeing people posting online about the big wins! Love that you brought up the salesman/commission example!

[@johnconner8437]

You should do a deep dive on how scummy credit cards are

[@coolmonkey619]

Your hais great

[@RedReaper54thRace]

It’s weird cause you gotta put money in circulation to work but you gotta be patient and let it sit in order to get interest

[@nashs.4206]

Sounds like some Ferengi Rules of Acquisition haha :P

[@OSUHARDING1ATECHNICEXPERIENCE]

The best money lesson is to join the US Military and contribute the $1200 to the GI Bill and reap the benefits of a nearly free college education after you separate using the Post-9/11 GI Bill benefits.

[@theswipecassette]

You should make a video just to state and explain all the affordability rules..!

[@Courtney-Alice-Gargani]

I want to be rich. I am making six figures and working on making seven figures. Great video.

[@humphrey]

lets go!

[@Jarlus]

Ok why plug Bitcoin though? Like, c'mon man.

[@Henchman_Holding_Wrench]

I splurge a little. I turn all of my tax refund and bonuses into shares of ETFs and pretend I never had that money. LOL

[@hiddenpk1]

I wish I did this with all my tax credits. God tier move that will retire even a modest earner a decade sooner.

[@DaniOchannel]

All great points, Humphrey. I have much to apply. Appreciate your content. 😊

[@Peter-kt2gb]

Stay humble and stack sats.

[@bb1kehn]

Investing early was definitely an understatement in my 20's, no one in my circle ever brought it up or when they did...they would drop the fear bomb of losing money. 15 years later...I'm investing and they probably haven't yet

[@pete5691]

Very few are taught about it. The lower your socio-economic status the less it is even discussed with many believing the stock market is like roulette.

[@MathiasMartinWR]

@@pete5691 Which is a damn shame considering investing has never been more easily available to people regardless of income as it is today.

[@s1lenttoad422]

I’m in my twenties and it’s so frustrating even mentioning the word ‘investing’ to my friends. You get the typical reply of ‘you need a lot of money to make a lot of money’ or some speculative comment.

[@bb1kehn]

@@s1lenttoad422 That's a generalized approach to those who'r uneducated on the topic. If kids grow up without any exposure to the topic, then they would be working their whole lives or be a part of the hustle culture in some form or fashion

[@jollama]

Laugh at them when they have nothing to retire with. They get what they deserve for forgetting what a search engine is

[@tim_9562]

Downside of 30% utilization rate is the credit card company won’t give you a limit increase.

[@ToothlesstheNightFury510]

If you show that you are making more money through a a new job or raise they will let you.

[@raymondctchow]

Wait so i should have a CFP advisor to try to find a fund that has low expense ratio😅

[@Susanhartman.]

Success depends on the actions or steps you take to achieve it. Building wealth involves developing good habits like regularly putting money away in intervals for solid investments. Financial management is a crucial topic that most tend to shy away from, and ends up haunting them in the near future.., I pray that anyone who reads this will be successful in life!!

[@ThomasChai05]

Starting early is simply the best way of getting ahead to build wealth , investing remains a priority . I learnt from my last year's experience , I am able to build a suitable life beause I invested early ahead this time .

[@mariaguerrero08]

Exactly ! That's my major concern and what lucrative investment can one venture into with the current rise in economic downturn

[@mikegarvey17]

In fact, I had no prior experience or understanding when I began investing in 2020, but by the end of 2023, I had made a profit of almost $850k. All I had been doing was going by what my financial advisor had told me. This demonstrates that all you truly need is a professional to assist you; you don't even need to be a great investor or put in a lot of work.

[@diane.moore-]

@@mikegarvey17Mind if I ask you to recommend this particular coach you using their service?

[@mikegarvey17]

*Gertrude Margaret Quinto* is the licensed fiduciary I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment..

[@JustPokey]

I think you should reconsider the practice of allowing the sponsor of the video to be part of the plot of the core video. I'm not saying don't get paid, but I do think that's slightly unethical.

[@humphrey]

Thanks for that feedback, you'd rather it be a separate integration altogether?

[@JustPokey]

​@humphrey Yeah, in my opinion, this video would sit better if it were a list of 20 things, and then after like 5 or so "while we're on the subject of blah blah blah, consider taking a look at today's sponsor" ad "now number 6 is blah" it would basically still be the same video. This was far from the most egregious ad integration I've seen, so I'm not that upset by it or anything. Just voicing my very mild concern haha

[@humphrey]

@@JustPokey Ok i appreciate that very much, I'll definitely keep it in mind. We don't do toooo many sponsors on the channel (we've had 3 in a row lately but thats just because they lined up that way), but I do want the sponsors to be happy too so it can be a win-win, so I try to integrate them as best as I can. I also thought when I was making the video it would be nice to have that as a money lesson, because it is something I do believe in (not hiring a % AUM Advisor). But your comment is noted and I appreciate you bringing it up!

[@KO-lw4lo]

@@humphreyI absolutely get the other poster’s viewpoint, but I thought you did a great job making it clear that your point was to hire a CFP advisor and that your sponsors were just one choice of CFP advisors. I took all of the classes to be a CFP (except the last one as it was not new information) because I was given bad advice from a broker and due to my limited knowledge at the time, it took me 3 years to figure it out.

[@Raphanne]

@@humphrey I love the fact that you take constructive criticism so well. It shows how much you care about making quality content.

[@carriestiles1700]

My Amex gold has a flexible limit. How do I know if im under 30%?

[@user-ut2bw1vz1q]

You lost me at the Bitcoin comment.

[@inigomontoya4135]

Millions of people on social media want to get attention by dressing nicely and showing off luxury items and nice cars. The thing is, with generous return policies, easy credit, and fast accessible delivery, most people can front an inflated fake lifestyle. It's become so watered down, generic, and sterile to do this that is no one is impressed. If you actually want to get attention, you should do the opposite, look like a bum.

[@JaviGloza14]

2024 is your year Humphrey I can feel it! Such amazing content

[@tanisemmello]

❤

[@mikezerker6925]

So if I live to be 500 years old, I may be as rich as Warren Buffet!

[@nkosanamsibi7182]

😂

[@owencline6182]

Bitcoin tip was a flashbang. Garbage advice

[@dmoneyplusmagic]

Perplexed you recommended buying bitcoin. It’s speculation and doesn’t hold any intrinsic value. You quote Buffet a lot in your content and I don’t think he would recommend buying bitcoin. If you disagree, would be interested in a video of your pro crypto arguments.

[@ScottishJazzman]

£50k bonus (net after taxes) - Splurge £10k, have a blast! The other £40k gets invested inside the ISA wrapper to grow tax free (if married). Sadly, I’m a public servant and don’t get bonuses 😂

[@fwfeo]

2:05 the graph is flawed! The timeline is not consistent. It goes from three year increments to 5,6 and 10 by the end! His last three decades were the slowest wealth growth he’s achieved in his lifetime. He had doubled his wealth in three year early on, but the last 30 years it’s doubled every ten years!

[@user-xx8kw5cb2m]

I'm rich asf then 😂😂😂

[@SeunAdekoya]

I would add one more but it is optional but will bring more money if you’re spiritual and that’s to learn to give money/donate. Morally it’ll help with greed and I always believe whatever you give, God will bless 10x more.

[@jacksonbilly9979]

This is my weekly comment to remind you to go on the money guy show

[@humphrey]

i would love to! i should Dm them.

[@jacksonbilly9979]

@@humphreyyes you should. I be harassing them also to invite you

[@LosingTeeth]

there's an eclipse and you're wealth posting!?

[@humphrey]

lol :D 🌙🌑

[@unkind4045]

How did Warren Buffett turn 26k to 1M from age 26 to 30?

[@rauleduardoarjona317]

¿can someone explain to me what is equity?

[@marksweetser6312]

The difference between the actual value of your real estate and your outstanding principle balance. Example: your house is worth 500k and you owe 200k...your equity is 300k

[@Charester]

Do you think is worth investing in a roth ira if you plan to move out of the USA in the next 7-10 years?

[@JoeyLeBlancMusic]

Lesson 15 hit me on a deep/personal level I’m a Bartender & Supervisor and the amount of my co-workers that have no knowledge or care to learn about finance and blow all their money they make instantly is astounding to me. I track every expense, attempt to live below my means, and still have been building savings. Im no perfect example, but it’s really demotivating to be financially driven around people who aren’t 😢

[@cathysheahan7036]

Top tip, buy BTC and HODL! 🚀🌕

[@DefenestrateYourself]

I prefer roulette if you’re going to gamble

[@Katie-dy7zx]

With automation, I learned the first rule is that you need to be living off last month’s money so that the money being pulled out each month is seamless and brainless. Otherwise, you’re still living paycheck to paycheck.

[@jacobawojtowicz]

March was my first month for this. My paychecks go into savings and I'm just transferring my whole 2500 budget to checking on the 1st of every month. I've forgotten all about the concept of pay"days"

[@BananaSoldier1234]

Why is it bad to be greedy? I feel like anyone who says that just demotivates people. Cause then you ask why care?

[@BananaSoldier1234]

If you do it the right way, you eventually make more and more. That means more jobs for people who have no ambition or collegue students dont you think?

[@Ghostrider-xv9rj]

god all these channels want you to do is just save money and never actually use it to enjoy life. life is way too short to always worry about saving every single paycheck and investing in stocks and holding till im 60 and at that point I wont be able to do anything i actually enjoy

[@genuinelysarcastic]

It’s funny you say that because I find things so expensive now that I find that saving up for things now is hard as well

[@damondiehl5637]

You are setting aside a fraction of your income. Are you going to be a grasshopper, or an ant?

[@MrJulka11]

6:00 i wish you would have mentioned an environmental donation on the co2 compensations that can be done... maybe 10 to 20% of your flight costs on top as compensation donation.... it feels like everytime you really focus, really "nobooody" in america gives a fuck about a safe planet and caring living in harmony..... :( even somebody in such an important role model position will not consider to raise awareness next to all the empowering videos to be selfish and selfish and selfish and care for you you and you and you. i dont know. :(

[@damondiehl5637]

The Obamas bought an beachfront mansion after they left office. Let that sink in.

[@IamAWESOME3980]

r/antiwork people disagree. You owe them universal basic income

[@Lizamariagriffin]

*Thanks for continuing updates 👍🏻 I'd rather trade the stock market as it's more profitable 🙌🏻🙌🏻🙌🏻🙌🏻🙌🏻was owning a loan of $47,000 to the bank for my son's brain surgery (Oscar), Now I'm no longer in debt after lI invested $8,000 and got my payout of $120,500 every months,God bless Angela Christine Derle* 🇺🇸🇺🇸🇺🇸..