7 Things To Do Before April 15, 2025 (Financially)

[@humphrey]

Access my stock portfolio and our community chat here➡ whop.com/critical-wealth

[@Peterl4290]

Making money is not nearly as vital as protecting your cash. Basically, since it is far more difficult to make money if you lose your capital. "Missing the train" as opposed to "losing your money." There are several trains, but it's over if you lose your money.

[@larrypaul-cw9nk]

No one is familiar with anything. Regardless of the consequences, you must develop your own procedure, control risk, and follow the plan while also always learning from your failures and getting better.

[@jerrycampbell-ut9yf]

That's precisely why I like having a professional advise me when making market decisions. Their entire skill set is based on simultaneously going long and short while using risk management and market knowledge. I've been using a portfolio coach for more than two years, and throughout that time, I've made over $1 million.

[@sabastinenoah]

Do you mind sharing info on the adviser who assisted you? I'm 49 now and would love to grow my stock portfolio and plan my retirement

[@jerrycampbell-ut9yf]

Her name is Annette Christine Conte can't divulge much. Most likely, the internet should have her basic info, you can research if you like

[@sabastinenoah]

I just looked her up on the internet and found her webpage with her credentials. I wrote her an outlining my financial objectives and planned a call with her.

[@saucysnarf1631]

Want to say thanks to you and all the finance KZbin guys out there. I’m 28 and never had much financial education. Three years ago got married and was just about dead broke. Started studying and listening to you and various others and my net worth just hit 60k on track to hopefully end 2025 in the six figure bracket for the first time in my life. Can’t thank you enough. Cheers!

[@randomlybrian]

Congratulations! Examples like you are what keep us smaller channels motivated 🥲

[@MrTaco1818]

Biggest year for me so far, net worth increased $80k, I maxed my 401k/IRA AND HSA, I quit drinking (saving $250 per month from this), started cycling, and also did a solo trip to Italy. I’m 27 and really motivated to keep going.

[@aletsiaha]

Congratulations on a very successful 2024! :) , Keep it up!!

[@Jguthro]

Same. June 30th 2023. Since then I finished my bachelors, started a master, bought a house and started investing. I had 8k in losses in 2018. Would I need to get documentation from Robinhood and I can use that to offset future gains?

[@ab3040]

How do you deal with the stress if you don't drink? I've significantly slowed down on drinking but can't seem to stop for this reason

[@MrTaco1818]

@@ab3040 I had a pretty big drinking problem so I also stopped going to bars and associating with people that drink a lot. That was a hard one. But I met new people through cycling so just switched my circle. That is basically the only thing that allowed me to change my group of friends. All my old buddies were people that weren’t at my level so just had to drop them. It’s different for everyone but that’s what worked for me.

[@danielj5136]

A long term goal is to make yourself more resilient. By handling stress better, you'll feel the need to decompress less often. Sign up for uncomfortable things (gym, 5ks, karaoke, poetry night, dance classes, etc). As you expose yourself more, you'll find things don't get to you like they used to. Because of this, you'll never need a drink to decompress because you never compressed in the first place, capishe?

[@Randi11404]

Well explained. Thanks for bringing up the video. Financial education is indeed required for more than 70% of the society in the country as very few are literate on the subject.

[@Vicky-w8y]

Trading in Bitcoin now is the wisest thing to do now especially beginner....

[@Michaellfred]

Most people think, investing in crypto is all about buying coins and leaving it to rise, come on it takes much analysis to be a successful crypto trader.

[@Alexis-i8t5d]

Trading without professional guide...Huh I laugh you, because you will remain where you are or even make huge losses that will stop you from trading, this has been one of the biggest problem to new traders

[@Isabell196]

Honestly I really need help learning to trade. Seeing my portfolio low makes me very sad.

[@Ibrahimw3r]

You're right! I have lost a lot trading all by myself without a guide. It's been an uneasy ride for me. Who is your mentor please. how can i reach her i really need help in this bear market now?

[@PaulaCarbonell-n7j]

One lesson I've learned from millionaires is to always put your money to work, no matter how small. Even investing $100 per month can compound to tremendous wealth over decades. The key is to keep going!

[@wmwoods-l4f]

Investing is the way to go if you want to become wealthy this year. Investing makes your money better even though saving is a good thing. I'm happy with the decisions I made last year, and my financial advisor is the reason my portfolio is performing well.

[@j.ottinger]

Alright. Financial advisors are often underestimated in their value. Research spanning over half a century demonstrates that individuals who work with advisors typically earn more money than those who do not. I was fortunate enough to work with one for thirteen years, resulting in a portfolio valued at $2 million.

[@speak2Gary]

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.

[@j.ottinger]

“Annette Marie Holt” is the licensed advisor I use. Just research the name. You’d find necessary details to work with to set up an appointment.

[@j.ottinger]

Annette Marie Holt is the licensed advisor

[@DiDimzy]

!!Hi mate so exicted today just reached my goal of 400k since June2024 to December 2024 I thank GOD for the life and wisdom shared

[@VervadiLeo]

this is huge amount congrat to you

[@nicolas-v3u-x2h]

interesting I'm 57 and no much income in my life how do I make it like you if possible 🙆

[@dankins225Nkemakolam]

from $10,000 to $76,000 that's the minimum range of profit return every week i thinks it's not a bad one for me. i now have enough to pay bills and take care of my family.

[@DiDimzy]

day trading is thev best way of making money in the market due to lack of experience which resulted in loosing funds... But miss Olivia kenny, restored hope shes a good woman

[@UserName-n6q]

Life is easier when the cash keeps popping in, thanks to Kenny Olivia

[@SarahMelissaBrown744]

Uhh Humphrey, you have educated me so much in regards to finance. I have 0 debt, a very healthy emergency fund, 401K. Roth IRA, and a Brokerage account with a Vanguard. Keep being perfect! 💰

[@humphrey]

Lets go!!!

[@Aric_V]

24 and my net worth jumped by 20k this year let’s goooooo

[@bigcookie9729]

And who cares?

[@doomkid1331]

I turned 30 this year and mine jumped 70k 😎💯💯💯

[@bigcookie9729]

@ wow, but the question is who cares

[@DramaKingzz]

@@bigcookie9729why you mad, you broke?

[@yubima]

Congratulations🎉🎉

[@JoséGabrie-e4b]

I turned 29yrs old this year. I've been financially struggling all my life, even though I live at home. I've decided to stop being illiterate in finances and begun listening to your channel. Thank you for what you do and the tips you provide. I think the biggest obstacle for most of us illiterates is fear. But I fear living like I'm currently am for the rest of my life. I'll become a recovering illiterate!

[@MT-gi8wp]

i have no kids, but i did setup 529 college accounts for my 4 nieces and nephews since they were born.

[@Howard_johnson]

@@MT-gi8wp I recently got some nieces and newphews. Are you able to set up 529 for kids that aren’t yours? I assume it had to be done with parental permission

[@MT-gi8wp]

@@Howard_johnson you will need to ask the parents for their kids’ social security number and birth date. i am sure their parents would appreciate any help they can get to pay for college expenses. i can’t stand shopping and kids already get too many toys and junk as gifts, so i would rather give them money in a 529 college fund.

[@kdonor]

That's so kind of you!

[@Howard_johnson]

@ I’m kind of in the same boat. I know all people are different but was it an easy conversation to have with the parents?

[@CruisingwithLocstar]

That’s cool. I opened a custodial brokerage for my nephew. He can use for any purpose since I want sure he’d be going to college and I don’t get a tax break in my stupid state.

[@frederickgengler9204]

BodyHoliday in St. Lucia. Worth every pennie. Great staff, great food, great amenities, and the other guest are delightful.

[@Jesem-o5f]

Humphrey, I've been watching your videos for a year now and my Networth went from $0 to $10K in 5 months!!

[@gabrieladiaz4199]

Loved this video! Thank you for always motivating us to improve our finances!

[@humphrey]

You are so welcome!

[@RickyAqt]

I honestly learned a lot of new things today. Thank you!

[@TheDayTheDay312]

I'm ecstatic with the year-end market surge. Which hidden jewels in the upcoming bull run would you buy with 100 grand right now? My goal is to position myself for a prosperous Q1 in 2025.

[@Bunnydrille]

Bitcoin through 2025, then high yield ETFs through the bear market 26’-27’ that's my plan.

[@Madridstrat]

"DCA DCA" is the golden term but the key. My dollar portfolio i DCA with is made up of 30% SCHG, 25% SCHD, 15% VOO and over 30% in digital assets, thanks to my CFA. This strategy is what works for my spouse and I. We've made over 80% capital growth minus dividends. Q3 taxable divs this year was $18,388.

[@Brightenedrim]

I find your situation fascinating. Would you be willing to suggest a trusted advisr you've worked with?

[@Madridstrat]

Sure i don't mind. I've stuck with ‘’Melissa Elise Robinson” for years now, and her performance has been consistently impressive. She’s quite known in her field, look her up.

[@Brightenedrim]

Wow!! her track record looks really good from what I found online.i just filled the form and scheduled for a call. Thanks to you.

[@AnnaOllsson]

Every week I buy more of whatever is the lowest percentage of my portfolio and try to keep everything around 10%. Please what could be my safest buys with $400k to outperform the market in 2024?

[@bartlyAD]

I would avoid the index funds, mutual funds, or specific stocks for the time being. The 5% fixed incomes are the safest bet for now. Save your cash for when the market actually shows sign of recovery.

[@FinnBraylon]

This is why I've entrusted a fiduciary with my investmnt decisions. Many underestimate advisors until emotions lead to losses. My advisor crafted a tailored strategy aligning with my long-term goals, guiding entry and exit points for the equities I focus on. This has grown my portfolio to over $850k. My personal best so far

[@PennyBergeron-os4ch]

How can I participate in this? I sincerely aspire to establish a secure financial future and am eager to participate. Who is the driving force behind your success?.

[@FinnBraylon]

Google Sonya Lee Mitchell and do your own research. She has portfolio management down to a science

[@PennyBergeron-os4ch]

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.

[@dgmcfadden2006]

I’m very encouraged to see the number of young people hear speaking to their net worth and making gains so early. I’m 58 and I’ve been following these principles and more since I was 18. I’ve been retired (civil engineer) since 55 and we live the dream. I will add, just because I’m not sure Humphrey has ever said it, BUT don’t ever steal from future you! Once you send money into investments it no longer belongs to you, it belongs to future you when you get old. At some point you will realize there is no longer a point to work when your money makes way more money than you do. Then retire.

[@le_th_]

That's a great plan if you live long enough to see it happen.

[@dgmcfadden2006]

@@le_th_ If you don't live long it won't matter anyway! If you do live that long, and your not prepared then you will live in poverty. So, you do you bud! I've chosen my path and its wonderful!

[@Ubiquitous_1]

Check out New Zealand. It's summertime there. It's beautiful and naturey. But really, travel anywhere because learning about the world in person is priceless. As always, thanks for the tips and reminders. Happy Holidays!

[@theAmateurInvestorstory]

Well explained. Thanks for bringing up the video. hope everything will be alright next year

[@TaggeGust]

I Hit 110k today. Thank you for all the knowledge and nuggets you had thrown my way over the last months. Started last month 2024. Financial education is indeed required for more than 70% of the society in the country as very few are literate on the subject. thanks to Charlotte Grace Miller for helping me achieve this

[@shandegabrielrojas9350]

I'm celebrating a $30k stock portfolio today. started this journey with 6k. I have invested on time and also with the right terms now I have time for my family and the life ahead of me

[@stephaniebeddis8069]

The very first time we tried, we invested $1400 and after a week, we received $5230. That really helped us a lot to pay up our bills.

[@ForwardMozell]

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

[@marthasteward0]

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

[@GertonTootle]

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

[@finna7824]

I am 21 and have saved over 100k it doesn't even feel real. I have worked so hard for this but it's really happening. I can't wait to have my own condo and security and a dog. I want it more than anything and I am almost there

[@richardcheese9152]

I am very thankful for my 401k setup, as i put in 6% and my company puts in 14%

[@mikekuhlman8009]

One thing to mention on tax-loss harvesting is that the losses you can deduct each year are limited by your gains that same year. In other words, if you made no gains and actually sold stock for a $5,000 loss, only $3,000 (I believe that's the yearly limit) can be deducted from your income while the remaining $2,000 has to be carried over to the next tax year. If you had something like a $50,000 loss, same thing applies. It can only be deducted from your income in $3,000 increments each year (assuming no gains at all, which is hopefully not the case).

[@grumylynn]

Great advice, thank you.

[@Helen_white1]

A wise individual understands that accumulating wealth necessitates prudent investments and informed guidance in the financial market, particularly during a stock market crash. While the stock market presents opportunities for maximizing profits, successfully navigating it requires skill and expertise.

[@Theodorebarba]

A well-planned strategy is vital to navigate market uncertainties. Avoid making impulsive decisions based on short-term volatility. Instead, adopt a patient and long-term approach. Consulting a market expert can provide valuable guidance to help you make informed investment decisions.

[@Kin-28-8]

Having an investment advisor is the best way to go about the stock market right now. I used to depend on KZbin videos 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.

[@Thompson-e7h]

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

[@Kin-28-8]

Jessica Dawn Walters is the licensed advisor I use. Just search the name. You’d find necessary details to work with to set up an appointment.

[@Lewistonwilliams-f5i]

Nice info, i appreciate your concern this will help a lot especially to the young bitcoin investors who have no or lesser knowledge on how bitcoin market works.

[@WisdomCoin]

1:58 🤯 This advice blew my mind! I’ve been sharing similar things on my channel to help people master their personal finances.

[@jackreign67]

You are awesome Humphreys. Thanks for all you do

[@humphrey]

I appreciate that!

[@BusinessWithBrian]

Love it! Your content is always top notch.

[@humphrey]

I appreciate that!

[@jessepotter365]

@Humphrey Yang You should travel to Japan while the conversion rate is still very favorable. Make sure to document your travels and add it to this channel or another.

[@jackliu6600]

Can you do a video for HYSA vs MMF?

[@Bangpaulxu]

Always appreciate your videos! I am officially relocating back to the states after two decades abroad. Have always learned a lot from your videos for the past few years.❤❤❤

[@PaulProsperInvestments]

Nice video! Come on over to Montego Bay when you are ready for your fancy vacation.

[@Life411]

I love the graphics that you incorporate into your videos. I'm just curious how you are producing those? What software, is there someone on your team responsible for those etc?

[@weltschmertzz]

I really regret not knowing a lot of this in my teens and 20s. This should be taught in schools. I'd consider it more important than a lot of subjects currently taking up time in school. In my late 30s now and I feel so left behind.

[@jfernsten]

For a vacation, may I recommend the Canadian side of Niagara Falls. The Clifton Hill area is simply amazing; we did this for the solar eclipse last April, and it was worth every penny for both adults and kids.

[@community1854]

Thanks this is very good. The place to go on a fancy vacation: Sri Lanka!

[@danielfowler4849]

Going to Barcelona and Lisbon in January! I’ll let you know!

[@the.true.mjdavis]

I asked Capital One for an interest rate reduction from around 24% to 17% (still outrageous but better....) because I had been with them for over 20 years, but they told me "No." So I paid off the card in a couple months and closed the account. F*** 'em!

[@MsKateC2K]

Actual sound advice! no gimmicks or dumb investment "hacks", just learn to manage the money you have

[@AlexMile1]

The fact that nobody talks about the book Forbidden Money Behind Closed Doors talks about dark techniques how people attract money

[@BrianBeiz]

thanks for sharing bro

[@JohnSmith-pg9ns]

Miss me with that gay sht

[@viernes-5]

8)put up the Christmas tree ⛄ 🧑🏾‍🎄🎄🎁

[@LeviHashem]

Amein. In my case: 8)put up the Chanukah Menorah 🍩🕎✡️🎁

[@viernes-5]

👍🏾😊​@@LeviHashem

[@ClaudiaSchreiber-b1p]

There is obviously a compounding effect in the very long term for large capital, but is not "automatic", and with the wrong strategies you can even lose more than you have, and selecting the correct stock without a proven strategy can be exceedingly challenging. I've been working on expanding my $210K portfolio for a while, and my primary obstacle is the lack of clear entry and exit strategies.

[@JohannLang-r8y]

True, initially I wasn't quite impressed with my gains, opposed to my previous performances, I was doing so badly, figured I needed to diversify into better assets, I touched base with a portfolio-advisor and that same year, I pulled a net gain of 550k...that's like 7times more than I average on my own.

[@Robbertskypes]

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?

[@JohannLang-r8y]

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.

[@FrankGibson-s3r]

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.

[@elman2012]

Enjoyed the video, as far as the vacation, gotta go with Delaware

[@CHRISTIAN-MYERS]

So much knowledge! Absolutely free! All of this is not taught in school or university! I was never taught anything about money, I am praying and working to change that. I am 46 no retirement no savings because I made a lot of mistakes when I started trading that I am trying to correct now. Listening to you gives me inspiration and wisdom. Thank you so much, it's mind-blowing!

[@ThePatrioticAmerican4L]

Yeah, more reason I enjoy my day to day market decisions is that i'm being guided by a portfolio-coach, seeing that their entire skillset is built around going long and short at the same time, both employing profit-oriented strategy and laying off risk as a hedge against the inevitable downtrends, coupled with the exclusive information/analysis, it's quite impossible not to outperform. Netted over $800k in return on investment, since using a coach 2years and counting.

[@JosephMartin7226]

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.

[@theTeslaking]

I’ve actually been looking to switch to an advisor for a while now. Any help pointing me to who your advisor is? Please.

[@JosephMartin7226]

Sharon Ann Meny, you can read up on her, she's quite known and her works speaks for itself.

[@theTeslaking]

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.

[@Ksante-s8m]

I recommend everyone to find the book titled The Secret Doctrine of Wealth, it changed my life.

[@ozbiljnisigmator]

this book is one of the best i ever read!

[@ImTheGoat40]

great read bro!

[@Sylviaia]

where we can find that book?

[@Campsalott]

Hey, do you still do subscriber portfolio reviews?

[@DavidLucas-so8rr]

I appreciate the video and I have questions regarding sizing into a trade and also ETF/Digital assets portfolio management. Often times I see myself sizing in when my pre-determined zone is met but I’m unsure what has the best potential: going with a full size order or sizing more as my the price extends further into my zone. And how are people making $450K already in the year? Sometimes the psychological part of this is the most difficult!

[@RobertBrown..]

The current market might give opportunities to maximize profit, but in order to execute such effective transactions, you must be a skilled practitioner

[@Bridget-l7p]

I agree. Exactly why I now work with one. A lot of folks downplay the role of advisors until being burnt by their emotions, no offense. I remember some years back, during the covid-outbreak, I needed a good boost to stay afloat, hence researched for advisors and thankfully came across one with grit. As of today, my cash reserve has yielded from $350k to nearly $1m

[@Bako-b8j]

Do you suppose you could recommend any consultants or professionals I could speak with over the phone? I desperately need to allocate my investments properly.

[@Bridget-l7p]

"Laurelyn Gross Pohlmeier," a well-known authority in this field. I would recommend looking into her credentials more because she has a great deal of expertise and is a great resource for anybody looking for advice on how to navigate the financial market.

[@SarahTaylor_]

She appears to be well-educated and well-read. I ran an onlline search on her name and came across her webslte; thank you for sharing. I sccheduled a caII..

[@Harry_16710]

Great decision! Still love my 2001 Outback...hope it runs forever!

[@CESARPONTESS]

Arraial do Cabo is one of my favorite destinations

[@zorzetmalliagros842]

I recommend Greece 😊! Enjoy!

[@uba9108]

My conscience is calling

[@perkynquirky]

You should go to Portugal! I went there in July! It's dope!

[@MomoHitsujiOwO]

Such a good video! I was working on my personal finances and needed just a bit of guidance to see if I’m missing anything in preparation for the new year! Thanks for all the wonderful content! 🎉❤

[@Loadingscreenname]

13:00ish does this capital gains loss calculation count with cypto losses as well or am i cooked?

[@eragonma9058]

Love Framer. I use it for my own portfolio.

[@humphrey]

They r great!

[@TylerofSc004]

I would like to pick the following stocks for 2025: AMZN, GOOGL, META, MSFT, MCO, MSCI, SPGI, UBER, ASML, TSM, NVDA. try to keep everything around 10%. Please what could be my safest buys with 200 grand to outperform the market this year?

[@Richmind-ir5zi]

Follow the S&P 500 by investing in ETFs like VOO, SPY, and SCHD. Dollar-cost averaging into these ETFs will likely outperform most investors in this bull run

[@Mitch10bands]

Such uncertainties are the reasons I don’t base my judgement on a ''heresay'' , 2020 had me holding trash stocks, but thankfully revamp my portfolio through the aid of a pro before seeing significant gains. To date, I've scaled up nearly 320% ROI. it's been 4 years and counting. I and my advisor are working on a 7 figure ballpark goal and we're not far.

[@greekmom]

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

[@Mitch10bands]

There are a few CFAs in existence. I've tried a few throughout the years, but for a few years now, I've remained with "Lauren Christine Campbell," and her performance has always been outstanding. Look her up; she's well-known in her industry.

[@greekmom]

Thank you for putting this out, was able to spot Victoria after inputting her full name on the web, she seems highly professional with over a decades of experience.

[@kellyshults6590]

We are a few years from retirement, so we have been saving 35% in the last years. Our plan is to save 40%-50% from now to retirement. We have 3 side hustles besides our full time job. September is a great time to go to Switzerland (Zermatt is beautiful) if you like the mountains.

[@julienschaffner8242]

Hey Humphrey, could you make an updated video on your ROTH IRA portfolio ?

[@Mdchl13]

Hi I previously made a 529 plan and was losing money, just wondering what I did wrong

[@heiditraveladvisor]

Great information, I have an LPL account, wish I knew how to do it myself.

[@LesterHess-t1x]

It's unbelievable that the year is almost over and that I still haven't met my investment objectives. I recently sold a house, and I hear folks talking about a financial market bull run. Can I buy stocks on my own, or do you advise me to use a financial advisor?

[@wmwoods-l4f]

Yes, it's a good idea to seek financial advice if you believe you need direction. It's similar to wondering if you should self-medicate-of course, it's always better to visit a doctor.

[@j.ottinger]

True, I'm in line with advisory service cos my job doesn't permit me the time to analyze stocks myself. Thankfully, my portfolio is well matched for every season of the market and has yielded over 300% since the 2020 pandemic to date. IMO, nothing beats expertise.

[@PaulaCarbonell-n7j]

I’ve been down a ton, I’m only holding on so I can recoup, I really need help, who is this investment-adviser that guides you?

[@j.ottinger]

I’m cautious about giving specific recommendations as everyone's situation varies. You may consider independent financial advisors like Annette Marie Holt. I've worked with her for barely 5 years now and I'd gladly commend her exemplary service on a public post.

[@PaulaCarbonell-n7j]

Thank you for this amazing tip. I verified her and booked a call session with her. She seems Proficient.

[@sandzt1098]

Grats Humphrey, you know you made it when you have more bot comments than normal ones ;)

[@ingababy5196]

Thank you

[@tristanwilson2560]

I think the market might recess soon. Would it be a bad idea to cash out my money in the market and pay off my only debt, my truck. (9,000). I have a little more than that in the market.

[@wellsHannahh]

Time is the most critical factor in investment growth. The longer you wait, the significantly less you’ll have down the road. If you're aiming to retire by 60, it's not financially ideal to prioritize paying off your mortgage early before the age of 45.

[@Mitchellee-g2s]

truly appreciate the implementation of ideas and strategies that result to unmeasurable progress, thus the search for a reputable advisor, mind sharing info of this person guiding you please?

[@Cat_R_Waul]

If you’ve got at least 2 weeks, I recommend New Zealand

[@CoryLafund]

8 months of trading $400k saved, debts cleared and a portfolio just shy of half a million. Thank you crypto

[@Sophia-un1ec]

Wow, what an incredible journey with your investments! Congratulations on your success!

[@hossanponz]

How are you able to make that much is less than a year of trading

[@CoryLafund]

@@hossanponz Honestly, I simply reached out to Sarah Jennine Davis a pro trader and FA and began my journey.

[@Leighwilliams112]

@@CoryLafund Could you share some key factors you look at? Also, any advice for someone just starting out in investing would be greatly appreciated

[@CoryLafund]

@@Leighwilliams112 You need a pro that is good at navigating the market. Someone like Sarah Jennine Davis she trade for me.

[@rtnorris-n2v]

*I really appreciate your clear and simple breakdown on financial pitfalls! I lost so much money on stook market but now making around $18k to $21k every week trading different stocks and cryptos*

[@Attillo-e1p]

You work for 40yrs to have $1M in your retirement, meanwhile some people are putting just $10K into trading from just few months ago and now they are multimillionaires

[@YogeshSharma-um4zx]

Most rich people stay rich by spending like the poor and investing without stopping then most poor people stay poor by spending like the rich yet not investing like the rich but impressing them. People prefer to spend money on liabilities, Rather than investing in assets and be very profitable

[@marie-louiseleroux828]

Hello how do you make such monthly?? I'm a born Christian and sometimes I feel so down 🤦‍♀️of myself because of low finance but I still believe in God

[@rtnorris-n2v]

I operate a wide- range of Investments with help from My Financial Adviser. My advice is to get a professional who will help you, plan and enhance your management skills. For the record, working with Josh Olfert, has been an amazing experience.

[@rtnorris-n2v]

The process of trading can be complicated when you have limited knowledge. However, with the right strategy and setups, you can be successful.

[@JonLeeNJ]

In the example, if you lose $100k this year, how do you use it to offset future years? Do I need to do anything when I report taxes each year referencing that $100k? Or is it automatically tracked?

[@billyi69]

For the layman, Cash is tangible. Money is what you have in the bank. It's kind of confusing when you use them interchangeably. These days you can't make a large purchase like a house with cash.

[@Timothy-c4p]

Well, I don’t know if this applies, but isn’t their a minimum amount of capital gains that aren’t taxable for people who are either single and married filing jointly? Where anything above that minimum becomes taxable? So only for people who have high earnings would your advice be beneficial?

[@TJDawgs72]

Man it is hard to navigate your comments sections on your videos Humphrey. There is so much Spam...are all these Spam "financial advisers" real people or is this their way of getting you to a web site that tries to trick you into giving them personal information? I wouldn't go to one regardless...just trying to figure out what their scam is. Thanks for the video as always Humphrey.

[@bobbimiller7651]

I go over my debts every month. I want to pay off debt ($22,000) by April 2026. I get overtime every month. I've started taking 50% of every OT check and putting it toward a credit card, in addition to regular payments (avalanche method- I hate paying high interest rates) , just started putting n g 25% to a high yield savings (forbright) and then 25% to my easily accessible emergency fund (working toward goal). What changes should I make, if any, to pay off debt faster?

[@zrookie1379]

Start investing small and increase positions on dips

[@POP7QWIZ]

I'm a huge fan of the saving snow ball. If you don't think that you can save 20% that's fine just save maybe 10%, heck 5%. Anything is better than nothing. Then in 3 months, try to increase your saving rate by 2 or 5%. Then keep doing it until you're at the savings rate that you want to target. And you'll notice that your spending gets leaner when you automatically save and limit the money that hits your checking.

[@gergmohsen9472]

The market's rise after Trump's win is surprising given the economic uncertainty. While some stocks, like Al-focused ones, look strong long-term, the volatility makes me cautious. Even Bitcoin is seeing a boost, but it's tough to predict where things are heading with inflation and interest rates. Staying cautious but watching for opportunities.

[@Dylanchris8048]

I agree. Even with great opportunities, we should proceed cautiously. Seeking market analysis or advice from certified market strategists is important.

[@JateStones]

A lot of folks downplay the role of advisors 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

[@saturninagoetter9535]

Please how can I liase with such experts? I am seeking for a very effective investment approach for my savings which gradually depreciates in value due to inflation

[@JsotoPapito]

@Jatestones Who is this person guiding you and how can i reach he/she?

[@JateStones]

I'm very cautious about giving specific recommendations as everyone's situation varies. Consider independent financial advisors like "Tracy Britt Cool Consulting" I've worked with her for some time and highly recommend her. Check if she meets your criteria.

[@Armstrong741]

Well I think it's time to start trimming some of the fat and increase dry powder. I'm considering diversifying my portfolio of $200k to hedge against potential downturns but unsure of the best strategy to do so.

[@RobbStonee]

Predictions about market like this often turn out to be wrong. You should consult with an expert to help you diverse your port safely so you don’t get burnt by your emotions

[@Tipping-Point88]

It's better to be prepared. Even if nothing happen, having a diversified portfolio can protect us from other risks. 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. Highly recommend!

[@Tipping-Point88]

Marissa Lynn Babula is the licensed advisor I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment..

[@Chaser-o9h]

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

[@doormatt4683]

Scam

[@andreezification]

Pokemon cards is a specific example you mentioned. Did you start collecting by chance? It’s blowing up again in the market

[@moca8405]

Go to Japan while US dollar is stronger. Visit all over Japan from Northern parts to Southern parts. Make sure you choose a Japanese airline for round trip as the services are way better!

[@MaineSWH]

Any recommendations for a retirement account for my 55 year old sister who hasn’t saved anything for retirement?

[@JosephKim-eo9or]

Hi Humphrey, thanks for your video and consistent content. Quick question about tax loss harvesting, does it matter if the stocks are long term or short term investments? Can they be tax harvested interchangeably or can you only use short term losses to offset short term gains and same with long term losses/gains?

[@Steve_SEC]

What do you think of VUSXX instead of HYSA for an emergency fund for someone in the highest tax bracket?

[@ConnerSand25]

Gold, BTC, quality global stocks, yes, however not property, if the U.S. dollar gets hyperinflation everything becomes worthless in that country, only global assets survive. Yes assets will go up against the U.S. dollar, however the U.S. dollar would become worthless compared to other currencies or global assets. As for property in the U.S, property is a national fiat asset, it would go up in value against the U.S. dollar, however not in other currencies or global assets. .. Anyone feeling the impact of these economic shifts should consider Crypto long-term trading strategies to protect their assets. My advice to anyone feeling the heat in this inflation, just trade long term more than ever, I have made over 520k from day trading with Francine Duguay in few weeks, this is one of the best medium to backup your assets incase it goes bearish..

[@ConnerSand25]

Francine duguay program is widely available online..

[@Andre_illiams]

One thing I know for certain is crypto is here to stay, the only thing that leaves is the people who don't manage their risk. Manage that, or the market will manage it for you. With the right strategies you will survive.

[@ueharaaldino]

Thank you for sharing your experience. She’s helped grow my reserve, despite inflation, from $87k to $246k as of today…..Her insights and daily siignals are worth following.

[@stacymaise]

Thank you…. I have searched her up Google I think I am satisfied with her experience.

[@BrawlStars1-e7m]

The market has gone berserk! whether you're a newbie or a veteran trader, everyone needs a sort of coach at some point to thrive forward.

[@Positivecuriosity46]

Great video.

[@humphrey]

Thanks!

[@Roadrunner777online]

Do you happen to be on Bluesky?

[@laughingBun]

Blue sky is for crybabies

[@flra00788]

My 25 percent savings include 401k, roth ira, and hsa

[@zumbimax]

First comment here! Thanks for all knowledge you've shared throughout the year! It certainly helped me to understand the investment world and take action!

[@MadPutz]

If you had losses, capture some gains to offset and get the tax benefit of losses

[@ryanrathbone3229]

But.. if you sell the Airbnb stock at a loss to offset taxes on the Nvidia gain, wouldn't you still be loosing a bunch of money? Would you only do this if you didn't expect the looser stock to ever recover? i.e. a sunk cost?

[@aakiri377]

What if you are self employed?

[@BrandonReign]

What keyboard do you have?

[@dustinw471]

Doesn't the minor have to have earned income in order to open them up a custodial roth IRA? I tried this a few years ago with my kids and was told i had to open a custodial taxable brokerage account instead because i couldn't prove they have earned income paying them for chores.

[@whathashappened37]

What about keeping cash in offset accounts?

[@johnsonwilliams92]

I Hit $32,590 today. Thank you for all the knowledge and nuggets you had thrown my way over the last week i started with 5k in last week 2024.... now i just hit $32,590❤️ thanks Charlotte Miller

[@GertonTootle]

I'm celebrating a $30k stock portfolio today. started this journey with 6k. I have invested on time and also with the right terms now I have time for my family and the life ahead of me

[@jadewashington7]

The very first time we tried, we invested $2000 and after a week, we received $9500. That really helped us a lot to pay up our bills.

[@mikesnoek]

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

[@ZahirFriedman]

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

[@henrybernhard0]

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

[@shambhavisakrikar9503]

Please shed some light on life insurance investing Thank you

[@lamshao]

Should I contribute in both Roth 401k as well as my individual Roth with my personal Vanguard account or will I be penalized for having more than $7500 combined?

[@sharonwinson-m8g]

To attain upper-class wealth, a wise individual recognizes that building financial success requires smart investments, strategic tax planning, and informed decision-making. Although the stock market offers growth potential, effectively seizing these opportunities demands both skill and expertise.

[@nicolasbenson009]

Stock investments can offer great potential, but it's essential to approach them with caution. I recommend consulting a financial advisor who can help you determine the optimal times to buy and sell.

[@TinaJames222]

Accurate asset allocation is crucial. Some use hedging or defensive assets in their portfolio for market downturns. Seeking financial advice is vital. This approach has kept me financially secure for over five years, with a return on investment of nearly $1 million.

[@Vincent-j8u]

How can I reach this advisor of yours? because I'm seeking for a more effective investment approach on my savings

[@TinaJames222]

Certainly, there are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’Melissa Terri Swayne” for about five years now, and her performance has been consistently impressive.She’s quite known in her field, look-her up.

[@JacobsErick-u8r]

I just looked her up on the internet and found her webpage with her credentials. I wrote her an outlining my financial objectives and planned a call with her.

[@mydressmemos]

Nobody can become financially successful overnight. They put in background work but we tend to see the finished part. Fear is a dangerous component, hindering us from taking bold steps we need in other to reach our goals. you have to contend with inflation, recession, decisions from the Feds and all. I was able to increase my portfolio by $289k in months. You have to seek for help in the right places.

[@winifred-k9e]

I think it's not always about fear, Sometimes realistic factors discourage people from reaching their goals in life. For instance, I've tried investing in the stock market several times but always got discouraged by fluctuations of stock value

[@richardhudson1243]

This is the problem! Most times people with little or no knowledge of the stock market try investing by themselves. It once happened to me, then I learned my lesson and contacted a US-based finance consultant and everything changed. In in the first quarter of this year i made $370k and counting.

[@JacobsErick-u8r]

Glad to have stumbled on this conversation. Please can you leave the info of your investment advisor here? I’m in dire need for one.

[@richardhudson1243]

Melissa Terri Swayne is my adviser and she is highly qualified and experienced in the financial market. She has extensive knowledge of portfolio diversity and is considered an expert in the field. I recommend researching her credentials further. She has many years of experience and is a valuable resource for anyone looking to navigate the financial market.

[@LUCIASMITH-d1z]

She appears to be well-educated and well-read. I ran a Google search on her name and came across her website… thank you for sharing.

[@drevan1138]

Vacation: Moorea (Tahiti)