How to Get Wealthy By Age: 20s, 30s, 40s, 50s & 60s+

[@humphrey]

I'm going to up my Twitter game. Follow me there! twitter.com/humphreytalks

[@PaulKatrina.]

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.

[@berniceburgos-]

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

[@KarenLavia]

It's often true that people underestimate the importance of financial advisors until they feel the negative effects of emotional decision-making. I remember a few summers ago, after a tough divorce, when I needed a boost for my struggling business. I researched and found a licensed advisor who diligently helped grow my reserves despite inflation. Consequently, my reserves increased from $275k to around $750k.

[@CraigLloyd-fz6ns]

That's fascinating. How can I contact your Asset-coach as my portfolio is dwindling?

[@KarenLavia]

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.

[@BridgetMiller-]

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.

[@tommychestnut5335]

From paying for day care and college, to managing mortgage payments. I'm approaching retirement yet inflation is getting worse. How can I generate more income to retire with at least $3m for long term care? I have about 750k in savings.

[@Patriciacraig599]

Investors like you should be cautious of the bull run, it's best you connect with a well-qualified adviser to meet your growth goals and avoid blunder.

[@LivaHolst]

Accurate asset allocation is crucial, I used hedging strategies to allocate part of my portfOlio to defensive assets for market downturns. Expert guidance is vital for achieving this. This approach has helped me stay financially secure for over five years, yielding nearly $1 million in returns on investments.

[@LarsBergstrom-uh2eu]

I've been getting suggestions to use one, but where and how to find one has been challenging, Can I reach out to the one you work with?

[@LivaHolst]

There are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with "Kathleen Cheryl Constantz’’ for about five years now, and her performance has been consistently impressive. She’s quite known in her field, look-her up.

[@Alejandracamacho357]

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

[@bradyfavre4515]

I’m 21 years old, and I really appreciate you putting this video out! It never made sense to me why so many young people prefer to ‘make memories’ in their 20s instead of focusing on building a future. That mindset never clicked for me. Ever since I started making money at 17, I knew my goal was to be wealthy, and the only way to achieve that is by having your money work for you as early as possible.

[@EcomCarl]

your breakdown of financial strategies for each decade provides an invaluable roadmap for long-term wealth building. It's especially crucial to understand that the foundation you build in your 20s can significantly influence your financial freedom and security later in life. 👍

[@ancientmeww]

Humphrey, your knowledge is much appreciated, Thank you. ❤

[@Courtney-Alice-Gargani]

Maintaining a budget takes discipline and dedication. Some people can’t do this.

[@brock5946]

Then they simply fail in that regard

[@nomadicwolf6132]

Some people don't know how to find purpose & set gosls that actually excite you enough to do the hard things that always stand between you & the next mountain peak in like.

[@rawrimbord]

LETS FUCKING GOOOOOO YANG!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

[@humphrey]

LETS GOOOOOOOOOOOO

[@JeanniefromChicago]

@@humphrey😂

[@hunterandchavy]

Nice plan of action Humphrey. Credit card 💳 debt will keep you poor and take away your opportunity cost of investing 💰 for our wealth

[@brandonfisher8311]

I’m 40. I’ve had a work 401k for several years. Opened a Roth IRA last year. I save about 23% of my monthly net income to savings and about 18% of my gross monthly income to retirement. Didn’t really start this journey until my 30s, so I get up to my company match and the rest goes into Roth up until the max. Will never stop maxing the Roth. I enjoy your newsletters !

[@manyam319]

You should consider maxing out your HSA as well ($4150 for individuals in 2024) if your employer offer a high-deductible health plan and the HSA bank has investment features.

[@julial3758]

@@manyam319 and if not used it'll be gone? .. not all rolls over for the next year right?

[@basilman121]

Do your best to live at home if you can. I graduated from collegr late. My parents let me live at home and by saving and investing, I could purchase a home at 28. Minus equity at 30, I'm at 180 excluding equity too, which isn't bad, I think? No debt besides mortgage.

[@ThrowBackZone]

The 4% rule sounds great, but can we trust the market not to implode before I retire? 🤔💸

[@HogRiderHardR]

Excellent video as always!

[@tommyngongo8024]

If she’s not subscribed to Humph, she’s not the Juan😭

[@ndjohnson22]

Re: in your 40s maxing out 401ks. If I'm MFJ, in 24% fed bracket, and already have $700k in pre-tax assets with 15+ years until retirement, you still feel like adding more to the pre-tax should be a priority? I don't love the idea of future taxes.

[@nae4830]

Pay mortgage at 40s and sell house at 50s?

[@feuerfawkes]

VFIAX or VTSAX? Choose one.

[@humphrey]

VTSAX

[@YurLord]

Why VTSAX?

[@jeffreyhunnewell1652]

This is good and all, but no one under 50 is retiring at 65. People cant even buy hones right now. Retirement is going to be the next dream to drift away.

[@brennancarr2611]

Don't need to buy a home to retire my friend, plenty of alternative living arrangements one can make That being said, you can certainly retire ahead of 50 if you have enough to keep your withdrawal percentages low enough

[@stocksxbondage]

Dang, you obliterated your “friend”.

[@humphrey]

he doesnt have social media so im good lol

[@Boblol126]

@@humphreyit’s kinda insulting tbh how much they make and how little they save

[@AdamDeMonico]

He called out not-so-smart way to handle money using a real life example that didn't hurt his friend by naming him.. soo all good to me! Thanks!

[@stocksxbondage]

@@AdamDeMonico my friends and I live by a different code… Literally, just make up a story 😂

[@Svinqvai]

I'm reading The Millionaire next door. But wow this book is trying to say 3 things in 300 pages. It is quite boring. Hard to imagine this could be someone's favorite book.

[@RedReaper54thRace]

Spending habits

[@dakotafaught7593]

Would you recommend a financial advisor for a plan like facet? I'm almost 28 and just now starting to save I got one more personal and my car payment left then I'm debt free besides living expenses I want to get at least over a mil net worth by time I'm 45-47

[@humphrey]

For you probably not yet. You need a more complicated situation before needing a CFP I think. But you can always schedule a consult and see.

[@dakotafaught7593]

@@humphrey thank you! I feel like I was jumping the gun on that didn't wanna get sucked into a fee that I can not yet afford. Your videos and book recommendations have helped. Especially investing into index funds for long term retirement!

[@oran1992]

Bitcoin is on its way to breaking records, getting closer to hitting new high prices, showing that it's gaining more value and could go even higher than we've seen before. This could mean great things for people looking to invest, suggesting now might be a good time to get involved before it jumps even higher. It's an exciting moment that could change the game in general...managed to grow a nest egg of around 2.3Bitcoin to a decent 27Bitcoin....At the heart of this evolution is Francine Duguay, whose deep understanding of both cryptocurrency and traditional trading has been instrumental. Her holistic approach to investment and commitment to staying abreast of market trends make her an invaluable ally in navigating this new era in cryptocurrency investment.

[@matshepherd118]

W for bro still putting time stamps in his videos. I know this can lower watch time so most KZbinrs stopped but it is appreciated.

[@humphrey]

of course bro no worries. Its all about just making helpful videos

[@matshepherd118]

@@humphrey tbh creators who use time stamps, I always play the WHOLE video just out of appreciation. Those who don’t use stamps, I sometimes just skip through to be petty. 😂

[@ryanoconnor6805]

​@@matshepherd118 me too I always go through the entire video but it's nice to be able to go back and rewatch certain points

[@athaya2992]

​@@matshepherd118 i thought i was the only one who do this omgggg

[@jamewilliams7660]

Building wealth involves good habits and risks like putting money into solid investments like digital currencies,having a good financial manager is what people tend to shy away from,and it keeps hunting them in the near future after many losses, be disciplined and get certified advisor pray that anyone reading this will be successful!!!

[@GillerHeston]

It's recommended to save at least 20% of your income in a 401k. You can use online calculators to estimate how much you should save based on your age and income. Saving at least 20% of your income in a 401(k) can help ensure that you have enough money to retire comfortably. By saving this much, you can take advantage of compound interest and potentially grow your retirement savings over time.

[@rogerwheelers4322]

Effective personal finance management is more important than the amount of money saved, regardless of whether income is earned through job or investment. Individuals can seek counsel from a certified financial advisor to optimize financial outcomes, who can provide specialized advice and methods to decrease expenses and maximize income.

[@joshbarney114]

I agree, that's the more reason I prefer my day to day investment decisions being guided by an advisor, seeing that their entire skillset is built around going long and short at the same time both employing risk for its asymmetrical upside and laying off risk as a hedge against the inevitable downward turns, coupled with the exclusive information/analysis they have, it's near impossible to not out-perform, been using my advisor for over 2years+ and I've netted over 2.8million.

[@FabioOdelega876]

I appreciate the implementation of ideas and strategies that result to unmeasurable progress. Being heavily liquid, I'd rather not reinvent the wheel, thus the search for a reputable advisor, mind sharing info of this person guiding you please?

[@joshbarney114]

Finding financial advisors like Marisa Breton Dollard 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.

[@FabioOdelega876]

Marisa has the appearance of being a great authority in her profession. I looked her up online and found her website, which I reviewed and went through to learn more about her credentials, academic background, and employment. She has a fiduciary duty to protect my best interests. I sent her an email outlining my objectives and also booked a session with her; thanks for sharing.

[@Dejones-z2D]

I know nothing about trading/Investing and I'm keen on getting started . What are some strategies to get started with ?

[@AngelaMary-f8Q]

As a beginner investor, it’s essential for you to have a mentor to keep you accountable.

[@lovelytrumlp-01]

Mrs Telisha Grover is my trade analyst, she has guided me to identify key market trends, pinpointed strategic entry points, and provided risk assessments, ensuring my trades decisions align with market dynamics for optimal returns.

[@crytoworld-q4l]

Without a doubt!MRS Telisha Grover is a trader who goes above and beyond. she has an exceptional skill for analyzing market movements and spotting profitable opportunities. her strategies are meticulously crafted based on thorough research and years of practical experience.

[@RubyChamber-m9b]

After I raised up to 325k trading with Mrs Telisha Grover I bought a new House and a car here in the states, also paid for my son's surgery (ETHAN). Glory to God.shalom.

[@Eltonjohn-sir]

From $10K to $62K that's the minimum range of profit return every week I thinks it's not a bad one for me, now I have enough to pay bills and take care of my family.

[@anikulapoidris8860]

You are gradually becoming my financial coach and mentor.

[@humphrey]

Lovely ;)

[@rangequeen]

You have the nicest and most polite comment section on YT! 🤭 Well deserved. Love your content and calm friendly delivery. 🥳

[@humphrey]

😊 thank you

[@Carsonkcooper]

Yang gang!! Let's go! Another killer video man 😎🙌🏻

[@anbupan]

We appreciate you a lot man ❤ you’re really helping out a 19 year old college student !!!!!

[@ClarkeGriffiny7]

At the very least, I now grasp the concept of leverage. Creating wealth and financial freedom isn't as tough as many people believe. Building wealth and remaining financially stable indefinitely is a lot easier with the appropriate information. Participating in financial programs and products is the only true approach to make a high income and remain affluent indefinitely.

[@sharonwinson-m8g]

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 because I invested early ahead this time .

[@KarenLavia]

Right, a lot of folks downplay the role of advisors until being burnt by their emotions, no offense. 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 portfolio has grown by 25% every quarter since Q3 2020.

[@JohnSmith060]

That does make a lot of sense, unlike us, you seem to have the Market figured out. Who is this consultant?

[@KarenLavia]

I've shuffled through investment coaches and yes, they can be positively impactful to an individual's portfolio, but do your due diligence to find a coach with grit, one that withstood the 08' crash. For me, Sophia Maurine Lanting turned out to be better and smarter than all the advisors I ever worked with till date, I’ve never met anyone with as much conviction.

[@ChristianKelv]

Thank you for the information. I conducted my own research on google and your advisor appears to be highly skilled and knowledgeable. I've sent her an email and arranged a phone call.

[@pgplaysvidya]

8:40 essentially you have a finite time to invest (your working life, generally) and your choices determine the opportunity cost. for example that friend that makes 750k who spends almost all of it on current year things is exchanging what would be an insanely lucrative retirement on his present enjoyment. You cannot have both things because of the problem of opportunity cost. For the average person this is often "I chose to have kids and now i can't do stuff" When people accept this, then it might allow them to accept the situation they are in.

[@genjimccorkle5518]

If you diversified properly, and have multiple streams of income - then why would you need to be so defensive during your 50’s and 60’s? If you have a rock solid foundation from years of investing and developing your skills, developing multiple businesses, multiple properties, a good relationship with creditors… I don’t see a reason to be so risk adverse.. like at all. I feel like this is coming from the mindset of someone who works from 9-5, has some hobby side gig, most of their money in indices type of personality.

[@vonwafer12]

I couldn't help but ask, could we maybe get a video regarding HSA accounts one day? I genuinely would love to hear more of your take on them, and have a better understanding on whether or not I should be taking advantage of one if I'm offered it! Love the content as always!

[@LightskinKing33]

Yes use it without question. If you have to choose between traditional 401k and hsa you first max hsa then 401k. Reason being that hsa is eligible to never get taxed (including gains) if used for medical purposes. You could use hsa funds for lasic, annual visits, medical kits, etc. and if never used by the time you retire, this account effectively converts to a 401k. However at retirement you’re more likely to take advantage of this hsa. Max it out every year good lad.

[@zaidkvex3339]

I’m 23 and I’m making 60k a year already investing in my Roth IRA hope all goes well by the time I retire

[@rangequeen]

To the moon! You’re going to crush it! Way to go getting started so early. 🥳

[@fs5775]

Uh many people go to grad school in their 20s. Which costs money. Or they get married. Which costs money. Or they want to travel the world and enjoy their youth rather than turn into worker drone so early. Which costs money. For vast majority of people, your video is totally unrealistic for your 20s.

[@theonlyopy]

Love this channel so much.

[@humphrey]

Boom thanks for watching

[@tulioherewego]

Great video, but although I agree with mostly everything I would say you don’t need to wait until ur 60’s to have a Will a Trust bc we don’t know when we gonna die. So as soon your Wealth is growing, is great to have everything in order for when we are call to be in the other side of life.

[@binkyandgunther]

damn, way to roast your $750k friend 😂 truly living modestly and below your means is so important!

[@philimonsizah6446]

Thank you Lord Jesus for the gift of life and blessings to me and my family $14, 120.47 weekly profit Our lord Jesus have lifted up my Life! A. V

[@ibrahimbasiru7453]

Great to see you guys talking about her, she really changed the game for me.

[@rahilaaminu6109]

You'll surely reach her

[@rahilaaminu6109]

She's active on TELE Gram

[@rahilaaminu6109]

@mrselenaaa

[@rahilaaminu6109]

.@mrselenaaa.

[@foolsmate]

I wish someone told me I shouldn't switch careers before 30. I'm in my mid 30s and I only have 4 years in the current field I'm in. FML

[@angieharris8015]

...or an FSA (in-lieu of an HSA)!! Rarely do people mention all of the options 🙄. FSA's are GREATTTTT, when you: A. like your "cadillac insurance" from your employer B. you will be receiving retirement-healthcare from your employer (i.e. all levels of government and some private employers, mostly in healthcare). You're welcome :)

[@DaniOchannel]

Thank you, Humphrey. Appreciate your content as always.😊

[@humphrey]

I appreciate that!

[@marcseigar6873]

Earning $750k a year, I think you could have a very nice lifestyle and still save money. Instead of a Porsche buy a BMW. I bet if he tried, he could easily save $300k a year and still go a very nice vacation every summer

[@rgomer808]

Thank you for touching on strategies for us boomers ... I think there's still quite a few of us around. So many advisers focus on the younger generation and forget about the big bulge coming through the snake.

[@cobibissell1806]

Will there ever be a buyers market for houses ever again……kidding but also not.

[@Courtney-Alice-Gargani]

I’m working on an online business and a retirement fund in my 20’s.

[@matthewsaunders4820]

6:16 Marketing Psychology is probably the most devious and sinister form of studies. Let's learn about the human mind, not to help people overcome mental hurdles and achieve a higher form of self actualization, but so we can sell them something they dont need like bottled water 😈

[@VyseFIRE]

Thanks humphrey! ❤

[@LazzarrusLong]

09:50 That emoji being used for us 40-years olds… that ain’t right Yang. Funny though.

[@julial3758]

lmao

[@ArneyO7]

Money actually does grow on trees. It's technically a paper product

[@mitchellheinricks]

Oh I assure it is not. Cash is a tiny percentage of the "money" in the world

[@aaronquadd3019]

I hope to be able to retire by the time I'm in my 40s. My number is between 3-5M 5% of that gives me 150k assuming inflation doesn't go parabolic I think this can be a comfy living and support a good sized family. Happy Asian Heritage month Humphrey thanks for all of the informative content

[@tomTom-lb5cu]

Great information. Amazing what you just explained here in 17 minutes is something not explained in 3 years of high school. Is it no wonder kid’s graduating high school and many from college are horrible with personal finance. In most families money is like taboo and not talked about. ❤

[@vikjhaveri109]

Great video! I’m 31 and just started investing. How do you feel about this breakdown for brokerage account: 80% US Stocks (50% of which VTI, 25% SCHD, 25% VUG) 10% Non US Stocks 10% bonds

[@RepuBlicOfChaD]

Would you consider precious metals an investment or commodity? I see it as both due to the industrial demand for it and the limited supply of it. As long as you hold it, metals on paper is a scam to manipulate the price!

[@nae4830]

How do you factor in student loans for those that got them even before entering 20s?

[@michaeloic]

what do i do with 150k i just won? savings or cd maybe? thanks love u all

[@humphrey]

Invest or savings high yield

[@dariapustovalova3854]

Love all your content Humphrey! Which mutual fund /ETF is underrated in your opinion?

[@jasl_]

Thanks for this!! love your channel and please do more videos about building wealth + investing in your 20s!!

[@Mike-w3r9y]

im 29 with 350k uninvestedd, sat thru 2023 like a idiot, drives a 20k car, no gf, no house, no job, still a virgin. Whats ur advice for me yang?

[@hpprinter6276]

start with end of list first 😉

[@humphrey]

have you thought about listening to Weezer?

[@derekrequiem4359]

@@humphrey SAY IT AIN'T SOOOOOOooOOooOOOOOOOO

[@Mike-w3r9y]

@@hpprinter6276 weezer? not sure what that is but im serious. i really have a lot of money saved up and never invested, sat thru 2023 because clearvaluetax said the market will go lower. now i feel like a idiot but all the stocks are at historical highs and im a afraid buying into it will be dangerous. What if those retards over at the middle east starts inting with nuclear calls? same for china and russia. im asian too btw but im not an asian that have been fully assmilated into american society so there are lots of things i missed out by being intoverted.

[@seanstapelfeld6448]

Hey Humphrey, could you do a video explaining HSA's. I think I would benefit from one, but exactly sure what the medical expenses it can be used on

[@sourdoughsavant22]

It can be spent on pretty much anything, prescription glasses, dental work, exams, meds, I think even mental health?

[@Mrbc1123]

Can you explain vestage in 401k because I looked it up and it says you don’t keep the entire company’s match if you plan on leaving the company so why would I invest in that?

[@Mrbc1123]

@TheHumphreyYang no idea what that means but thanks I guess😅

[@perkynquirky]

Thanks Humphrey! You da man!

[@tammycobaugh276]

Your thoughts on withdrawing social security in mid-60s to 70s?

[@coldbrewkitty]

Love your videos! Thank you!

[@humphrey]

You are so welcome!

[@Bilbo_Swaggins-sm4gw]

Hey! Im all in on Dogecoin

[@zardon_zane1630]

In my case I started to try a Business fixing and flipping pc's (I'm 22 years old) but I got robbed, for now I'm repaying my debt, Well, the good thing is that I was able to find a better paying job, more relaxing but also harder

[@CaLemLiza]

too stressful, gonna become a hermit.

[@bigdaddygucciabg836]

Spam/ scam comments are insane

[@NicvB]

I've got a question. Where would an HSA fall in the contribution priority?

[@jrspookjdm8849]

One could argue that your friend making 700k really is the smart one here. He makes good money and spends what he has while enjoying life. If he made significantly less I could understand the saving mindset but at that income just enjoy life. You literally made it. This is especially true if you have no children or are of the mindset that your kids must earn their own.

[@divyv20]

Hey Humphrey , very good video . I can do better editing in your videos which can help you to get more engagement in your videos . Pls lmk what do you think ?

[@64018]

Ive always seen Humphrey video on tiktok and short reels but never really watch his full videos until now. Ive been following as of recent and love how much information he's sharing to helping me being debt free and wealthy in the future. Thanks Humphrey!

[@andrewlott5886]

4% rule only assumes a 30 year retirement. For FIRE your withdrawal rate should be under 4%.

[@jeep2]

New to your channel: What’s a comfortable retirement amount with the rate of inflation outpacing cost of living raises?

[@joe62845]

I like that with an HSA you can take that money out whenever you want after you've paid your medical bill. Keeping your receipts can be a pain, but cool that this is an option. You could keep all the money you have saved in your HSA making money and take it out in the future after it's made you more money.

[@marklechadores5574]

Great tips regarding personal finance hygiene. When it comes to employment, being an employee working for an established company is still my preferred choice over being an entrepreneur since its more stable long term with a lot of room for advancement, benefits, vacation pay, retirement options and so on. I'd prefer red sweaters 😂

[@ronaldoalv17]

The typical KZbinr bro this things have been posted 1trill times here on KZbin

[@raymondyu7933]

Is it too late start investing? I mean, i am in my 40s, fortunate enough still during the COVID19.

[@clos3m4]

great i’ll come back to this video every 10 years thank you😂😂

[@e.m.-lw1dn]

4% rule is NOT in perpituity. Its 30 years if your lucky.

[@calebberry6720]

The idea of maintaining a budget seems so simple, yet so many don’t do it! I balance my budget even on vacation, and my sister-in-law was surprised to hear my wife explain that we track our expenses.

[@willieoatnet5396]

Humphrey, would like to know your opinion on the SCHD ETF? Thanks in advance!

[@jlr_]

In my 30s and I still have the same spending habits has when I was in college. That tip couldn’t be more true

[@claireworld_]

The idea about different income streams was very thoughtful. I will be thinking of building that too. Thank you so much!

[@MTHEORYTECHNO]

Priceless content.

[@stephendavis3710]

What the hell does that guy do that makes 750k I feel so behind

[@StephsHealthMatters]

And you can invest in your HSA as well

[@derekrequiem4359]

W vid as always 😁

[@jamahlhumbertjr.5647]

God bless you man you are the truth you are great at what you do!

[@MrCurtis360]

isn't trad ira the same thing as taxable investing *kinda newish to investing*

[@andrewkershaw5093]

Yay🎉 I’m Humphrey’s friend!!!

[@cathysheahan7036]

Anyone else only see six, and not seven, sources of income?

[@SteveYoung49]

Step 1: Stop eating out Step 2: Step getting coffee from Starbucks Step 3: Inherit 20 million USD Step: 4: Get a VP job at my fathers company. Step 5: Retire early

[@CorinneStevens-hy8fq]

This is super helpful, Humphrey! Thank you!

[@tallylight7952]

Hi friend !! 👋 thank you for all your advice!! 🙏

[@Wellster]

Humphrey Yang Gang stand up!!

[@Nathandoesmusicals101]

YANG GOES BANG!!!!!!!!!

[@ryanmelendez625]

First!

[@npham1198]

Forgetting an HSA

[@derekrequiem4359]

10:14......

[@npham1198]

@@derekrequiem4359 oh haha spoke too soon