Roasting My Subscribers’ Investment Portfolios *again*

[@humphrey]

We're BACK baby! Hope you enjoy this edition of Portfolio Roasts/Reviews. Are you subscribed... BTW? Come on now ;) Discord: discord.gg/xJzsaGaaDE

[@mrwubwubz9714]

Keep em coming

[@zaqutix]

👍🏼

[@babybbbb]

@@zaqutixayy I saw you on the Discord!

[@NOTurbuisness-r5q]

Hey what do you think about physical gold? Or is that not what this channel about.

[@mikezerker6925]

Thank you! I am really enjoying these videos of real world scenarios. Please post more like these every so often!

[@AndrewHenry06]

This is quite educational. It's crucial for newcomers to keep in mind that the financial markets are highly irrational in the short run. You should constantly be ready for the unexpected. That is how chance operates. Because of the inherent risks in the market, I always favor long-term investments.

[@ChristopherFrank3]

These uncertainties will always be there. Thing is, every once in a while, the market does something so stupid it takes your breath away. If you’re not ready for it, you should’t be in the market business. or get you a skilled practitioner.

[@CarolinaJoseph01]

Such market uncertainties are the reason I don’t base my market judgements and decisions on rumors' and hear-says, it got the best of me in the year 2020 and had me holding worthless positions in the market. I had to revamp my entire portfolio through the aid of my financial advisor, before I started seeing any significant results happens in my portfolio. Been using the same advisor since then and I’ve scaled up almost a million within 2 years. Whether a bullish or down market, both makes for good profit, it all depends on where you’re looking…

[@LindaPatricia02]

Not bad at all. I know a lot of folks that made fortunes from the Dotcom crash as well as the 08’ crash and I’ve been looking into similar opportunities in this present market. Could this coach that guides you help?

[@CarolinaJoseph01]

NICOLE ANASTASIA PLUMLEE is her name. She is regarded as a genius in her area and works for Empower Financial Services. She’s quite known in her field, look-her up.

[@LindaPatricia02]

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.

[@Packman2397]

Please protect your comment section from the FAKE financial advisor advertising. It’s out of control

[@wawo9193]

So annoying…

[@programmerm5907]

Protect adults from obvious scams? If you fall for a KZbin bot comment thread, you kinda deserve it

[@wawo9193]

@@programmerm5907 theyre pretty obvious but who wants advertising scams that pretend to be real comments in the comment section… makes me avoid the comments which ruins engagement for the youtuber

[@Packman2397]

@@programmerm5907 or if you’re reading to bounce ideas off of other investors and the bots are annoying I can say it’s annoying. Nobody’s falling for anything FOH

[@rebeltheharem7028]

@@programmerm5907 No, its just annoying, because I can't read real comments.

[@EricsonHerbas]

Your two "Roasting My Subscribers" videos are super helpful and practical. Opened up my eyes to where I'm at with my current finances. I crunched the numbers and used Networthify calculator. I'm 53 and can retire in 10 years (I can live with that). I will probably continue working till past retirement since I love my job. Please do more of this type of video. Thank you!!

[@humphrey]

Great to hear!

[@mikezerker6925]

@@humphrey Yes! I’m enjoying these videos… It gives a “real world” view of what to expect based on a person’s saving/investing strategy! Thanks for another great video!

[@liam1902]

Agreed 200%. These videos give more realistic feedback and advice based on different real-world scenarios compared to general/generic advice that's trying to target everyone.

[@Angelinacortez495]

As someone passionate about investments, I often contemplate the strategies and paths that enable top-tier investors to amass wealth in the millions. While I possess a substantial initial capital, I am uncertain about the specific tactics or avenues that would facilitate achieving gains exceeding $400k, similar to those achieved by several others this season.

[@Vivienedouglass]

I have a 3 fund portfolio consisting of 33% S&P, 33% Total stock, and 33% international. I feel a need to focus on complete growth so I went 100% stocks, but does the SP500 and TSM overlap too much to make sense holding both? However I’ve been in the red for a month now. I work hard for my money, so investing is making me a nervous sad wreck. I don’t know if I should sell everything, sit and just wait but watching my portfolio dwindle away is such an eye -sore.

[@Jamesjerome0]

There are many other interesting stocks in many industries that you might follow. You don't have to act on every forecast, so I'll suggest that you work with a financial advisor who can help you choose the best times to purchase and sell the shares or ETFs you want to acquire.

[@kurtKking]

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.

[@GaryNicka]

I actually subscribed for a few trading courses but it didn't help much, been getting suggestions to use a proper financial advisor, how did you go about touching base with your coach?

[@GaryNicka]

My needs are kind of unique and complex. I'll contact her nonetheless, and I hope I'm able to make something out of it.

[@Simon-vo7gi]

Your S&P and Total Stock overlap. Why not do 33% S&P and 33% small cap?

[@Richmind-ir5zi]

I have been self managing my portfolio for the past 5 years and currently with $150k asset under management I have underperformed for the past 2 years and this has got me worried. Are there anyways to turn this around as I am closing in on retirement.

[@Mitch10bands]

Avoid tax complications; consult a financial advisor to restructure your portfolio instead of selling off assets.

[@Marianela-r3v]

Apt!! I was self managing but suffered heavy losses in 2022 and i knew i couldn't continue like that, so i consulted a fiduciary advisor. By restructuring and diversifying my $250k portfolio with dividend-paying stocks, ETFs, Mutual funds and REITs, I significantly boosted my portfolio, achieving an annualized gain of 25%.

[@Suntz_u]

Impressive! How can I contact this advisor? My portfolio has underperformed, and I need guidance.

[@Marianela-r3v]

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

[@Suntz_u]

Thanks for sharing. I curiously searched for her full name and her website popped up immediately. I looked through her credentials and did my due diligence before contacting her.

[@alan_drees]

I started my portfolio last year with SCHD, VOO, and VUG after inheriting $300k. In terms of share price, VOO is up! and VUG is doing even better. What stock do you think has the best chance to 10x in 5 years?

[@fromthebirchwood]

my first rule is survival before flipping for chunky gains. I personally dabble in stocks and with such amount, my best advise is that you consult a license advisor or personal portfolio manager to be on a safer side

[@speak2selwyn]

Agreed, opting for financial advise is the best way to go about the market right now. I average 4 figures/month in dividends, but my overall ROI just hit $550k. I only have 30 or so stocks (20%) of my portfolio with more of my investments in digital assets.

[@speak2selwyn]

Karen Lynne Chess is the licensed advisor I use. Just research the name online. You'd find necessary details to work with and set up an appointment.

[@thomasschott4068]

That’s the thing people may have their picks for stocks that could rise 10x but they are super risky you could also lose 10x I would keep investing in what you have.

[@thomasschott4068]

Do your own research think critically for yourself advisors can lead you astray even if you explain to them your situation

[@BrewerVera]

I am at the beginning of my "investment journey", planning to put 85K into dividend stocks so that I will be making up to 30% per year in dividend returns. Any advice?

[@FaithAndrada-xo9ou]

Adding JEPI and JEPQ are smart additions in my opinion. As for staying committed to higher-risk investments, it's all about balancing your risk tolerance with your long-term goals.

[@Raymondcraw1967RaymondCrawley]

I've been looking to get one, but have been kind of relaxed about it. Could you recommend your advis0r? I'll be happy to use some help.

[@Raymondcraw1967RaymondCrawley]

I just googled her and I'm really impressed with her credentials; I reached out to her since I need all the assistance I can get. I just scheduled a caII.

[@glasshalffull2930]

* SCAM ALERT *

[@geofflaker]

JEPI

[@PWIviefynn]

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

[@lucaswilliams9992]

The professionals presently control the market since they not only have the essential business strategy but also have access to inside information that the general public is not aware of.

[@yeslahykcim]

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

[@brianwhitehawker1756]

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

[@yeslahykcim]

“Laila artine kassardjian” 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.

[@Jadechurch-ql3do]

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

[@Lawrence_McKnight]

These case studies are awesome. It gives me a better scale that I am not alone in this game of life finance. Keep these up.

[@greekmom]

Love this series. How do i submit my portfolio to be roasted? I started investing in stocks at 18, grew portfolio to $600k by 33. Recently, lost over 30% and want to mitigate risks. Also, plan to pay off my mortgage and want my portfolio to grow. What should I do for stable cashflow?

[@TylerofSc004]

Dont think here is the place for personalised investment guidance. However, I suggest consulting with a reliable advisor to ensure appropriate investment planning.

[@Doracox22]

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.

[@Suntz_u]

this is all new to me, How do I find a suitable fiduciary advisor, can you recommend any?

[@Doracox22]

Kristin Amber Landis is the licensed advisor I use. Just research the name. You’d find necessary details to work with to set up an appointment.

[@Suntz_u]

I looked up her name online and found her page. I emailed and made an appointment to talk with her. Thanks for the tip

[@marshmallow2034]

Yay finally episode 2🎉 Absolutely love this series

[@WhiteBoardFinance]

Love this concept!

[@humphrey]

thanks qt

[@WhiteBoardFinance]

@@humphrey 😂

[@guamhaze]

Love this series! Please keep ‘em coming 🤙🏼

[@betraydan_]

Love this series. Keep it up!

[@don951]

I like these videos. Portfolio reviews should be something that you continue to do as a regular part of the channel. Cheers!

[@humphrey]

Thanks, will do!

[@don951]

@@humphrey Awesome! Subscribed.

[@ReallyBoredMan]

Love the specific examples and overviews of people's protfilios. Keep these coming!

[@navneetk12]

I recently fired my financial advisor who were charging me fees as well as had my portfolio invested in higher exp ratio funds than I would choose. I’m so glad I did that. I used to manage my own portfolio but over the years I fell into the convenience trap and didn’t cancel the free 3-months offer. After seeing the fees add up for 2 years, I finally decided to pull the plug. They don’t make that part easy like the enrollment but feel so good after I did it.

[@keeno86]

I love these new videos!! Eye opening and good thought exercises

[@humphrey]

So glad!

[@LuckyBunz]

Love these types of videos dude!

[@HT-vd4in]

5:02 There is also the SPDR MSCI ACWI IMI with even broader diversification (99% of world market capitalization) and an expense ratio of 0.17% p.a., which is half of the iShares ACWI. If you are willing to bet big on the USA the cheapest index fund is the Amundi Prime Global, with an expense ratio of 0.05% and a negative tracking error. Notice that Amundi doesn’t use the expensive MSCI brand name, but instead uses an index made in Germany by Solactive.

[@Danieltheshin]

Big reason why you shouldn’t hold triple leveraged ETFs for long term is that they have decay. It loses value over time, so if market is flat you still lose a little

[@mollyvirginia]

This is so incredibly helpful! Keep them coming!

[@Mestador]

Dear Humphrey Yang, I have a question I'd like you to delve deeper into. should someone in their 20s get into a mortgage as soon as they can on a studio, by stretching themselves thin and hyper focusing on getting the deal. or should they instead wait and make sure the real estate is only a portion of their savings like you said in the video. the problem here is that real estate grows at lets say 10% yoy. so if they wait 3-4 years to get that ratio, they just might never get the purchasing ability to do so. what do you think ?

[@binkyandgunther]

cool video! really don’t think these count as roasts though 😂 i think your followers are too reasonable to have any crazy money habits. it was nice to see the high savings and investing rates!

[@louraneri1274]

I love these videos so much! You said this video was long but I was sad it ended. Was like watching one of your favorite TV shows LOL.

[@landerbarrogo895]

Super like the idea of a portfolio review. Hoping for more to come. :)

[@GarrettWrap]

Keep doing these. Very informative and entertaining!

[@Noneofyourdambusssiness]

Thats 3rd guy- Best feeling ever to pay off that mortgage. Frees up money for further investments and also increases savings rate. Im saving and investing about $5k a month since we paid off our house earlier this year.

[@oldrin1876]

I love this video, do more of these!

[@josh99975]

Great video!! Keep doing these roasts, I find them extremely useful. How do I submit my portfolio for roasting?

[@vincentasantiago]

Love these roasts very informative 🤯💸

[@theoliverpuma]

I think 24 for 30% leverage is fine as long as he is DCA with a portfolio that rebalances cash contributions. 30% in leverage is effectively 1.3x leverage which is actually less risky and a DCA with balancing based on percentage of portfolio, he could put more into leverage funds during market dips reducing risk significantly. I did a backtest and over the last 20 years, DCA monthly into a portfolio seeking 50% UPRO and 50% SPY would give an optimal 2x leverage with less fees than buying a 2x leverage etf and contribute more to UPRO during significant market dips. I see that for a younger, 24 yr old investor, it’s actually good to have exposure to leverage as long as he/she is DCAing into an account like M1. With a long time horizon and not lump summing it is very likely to pay off much bigger. Furthermore, contribution to leverage can also be reduced over time.

[@GlennJag]

Thanks for this video. I'm guilty with keeping 55% cash on hand like the first couple casue I keep anticipating a market drop that hasn't happened.

[@MC-gj8fg]

IMO a leveraged ETF such as TQQQ isn't a decades long hold. I see it as an opportunity bet during a significant market pullback. Even then, I'd contribute no more than 3%-4% of my portfolio to that position which I would sell out of and into more stable positions once the market eventually returned to all time highs.

[@DariusPiggott]

The first couple makes more than 5600 per month so where else is there money going? $2000 to retirement, 2000 to mortgage, and 1600 of expenses is fine but according to their 181k/year income, they make $15k per month. Where’s the other $9k going? They should be saving that or using a portion for discretionary spending to loosen up a little!

[@mjs28s]

I was wondering that too.

[@mrassetcs]

@@mjs28s what if it is 81k/year, it makes more sense

[@rodrigok1220]

15k a month… now start reducing the number by taxes… they’re in the 22% bracket, take 7 percent for Social Security and Medicare, California tax rate is high, property tax is also high. Based on where their moneys at, I’d venture to say they probably put it into savings. I’m thinking that 15k gross is probably like 9k if not less.

[@RyChOr2005]

I may have missed if that $181k/yr is before or after taxes. My guess is gross so a chunk will go to taxes and the rest is probably going to savings since they said they are frugal

[@xmusic2049]

They would be bringing home between $9k-10k a month. He says in the video that they would be saving about 35% based on expenses which would put them in that 9-10k a month range.

[@casperdevries2977]

the fire number calculation should correct for inflation. The investment horizons highlighted in the video are too long not to consider this effect. Therefore i suggest to calculate the Fire number as follows: Fire number = (annual expenses * (1 + 2%) ^years) / (1 + assumed return i.e. 7)^years. From this formula it becomes clear the the fire number will significantly increase such that purchasing power is remained.

[@danielwbader]

I'm in almost exactly the same situation as your last portfolio, and I appreciated your advice. For me, I'm adding just enough to my mortgage every month, so that it pays off when I'm 65. That way, I no longer have it as an expense, and my FIRE number drops significantly the very day that I stop working.

[@garyish]

All 3 of them are great savers and bad investors for different reasons… 1st couple is too conserve for someone in their late 30s with >50% cash.. 2nd guy is 24 but he should dial back the stock gambling craziness by the time he’s 30.. 3rd guy is the most sensible of the three.. but needs to have better funds in his portfolio.. anything getting close to 0.5% expense ratio is too much of your profits getting eaten into. Plenty of great funds with 0.04% or lower ratios

[@Murphy-lu8jr]

The problem we have is because Most people always taught that " you only need a good job to become rich". These billionaires are operating on a whole other playbook that many don't even know exists.

[@Margaret-g9i]

Yes To be honest, investing is a smart way of securing your family future, grow wealth and beat inflation

[@shuhei9571]

Scam ^

[@artoro8]

I hate these bots

[@MomoHitsujiOwO]

Please keep this up! Love this video format! ❤

[@KentPaul]

The second guy has yet to experience a recession when he does. He will learn the hard way.

[@itskelvinn]

It’s not even that bad lol if he was in that for the past 2 years he’s probably up big and would take a big loss for him to lose it And historically election years/seasons have been green

[@don951]

A recession is a normal part of the economic cycle. They actually do a lot of good for the long-term health of the economy. Think of it as a reset. For the investor they can be great. Market downturns means that shares go on sale. It also can provide an opportunity to move to a more aggressive portfolio for the ride up if you desire. Always keep in mind... the market has always gone up over time. Cheers!

[@JC-JC20]

Man if he had this going since last year then he should be up like 75% tho!

[@xensan76]

Nah, we'll just print more money. The stock market will go up and no one will be able to afford toilet paper.

[@smugglemuffins]

That’s what happened to me after 2020:)

[@Soccerryan7]

KEEP DOING THIS I LOVE IT ❤

[@the_real_greywolf]

Very subtle roasting 😅

[@rodrigok1220]

Should social security be deducted when doing the calculation? I’m assuming at some point they’d collect and may not need that much in retirement accounts if they are that frugal.

[@DS.P16]

Hey Humphrey! Been subbed since the new year. Just wanted to ask - I have started a new job recently and I’m wondering if it’s worth rolling over my trad 401k balance in my trad IRA or rolling this over into my new company’s 401k plan. For added clarity, I have enough money in the account to also keep it opened with my previous company, obviously with a fee. I only have investments in the S&P 500 for my IRA accounts. Just not sure how to tackle my new venture - any help is appreciated.

[@Killua_x_99]

Thumbnail 10/10 Video 4/10 (graphic / how good does it look)

[@andrewfoster883]

Best investment advice for orchards is to never have an orchard

[@babybbbb]

Hahahahah this is great. Thanks for the laugh 😂❤

[@shaheeddolchey]

Great Video Humphrey dont worry about the views these kinds of videos get because they will come! Please keep doing these videos we love them!

[@mkwesselink]

For the 25-40% in real estate, does that include a primary residence? For example a net worth of 500k. Equity in primary residence is 250, is it dumb to look at a down payment for a rental property for 100k?

[@spongebobubu]

8:12 Glad to found another upro gang member

[@joshlonon2614]

Great series!

[@FJX716]

I hold 65% in individual stocks and 35% in ETFs. Do those percentages make sense or should I have more in ETFs?

[@consumetheliving]

In my 40's and got a late start to my investing journey. I currently have a mix of SCHD, SCHG, and VTI. Considering dumping everything into SCHD going forward to maximize my drip. My question, is diversification really necessary?

[@KobeBBryant]

By your 40s having some stock in dividend payouts is nice but I still think at least 50% should be in growth stocks. 20 years of compounding interest on those growth stocks will help more than unloading all your money in SCHD right now. (Note I’m not a financial advisor)

[@NetWorthNerd]

make this a series pls❤

[@theswipecassette]

Love this concept … we want moreeeee 😃

[@JudeDude409]

I love these

[@tradingfundamentals]

Hey Humphrey, I remember you saying that you own or owned JPM. Did you know TD Bank has a current dividend yield of 5.5% and a PE of only 12.5?

[@blongshanks77]

I hope one day you do one of these with defined benefit plans(Pensions) included. At my job, I have both a Pension and a 401K, so I’m curious how that factors in for retirement.

[@Excalibur2]

What kind of payout does the pension guarantee?

[@blongshanks77]

@@Excalibur2 It honestly depends on when I take it. I qualify for full retirement, which includes a monthly annuity along with free healthcare, for the rest of my life once I hit 30 years(I have 12 more to go). The monthly payment increases every year after that.

[@Excalibur2]

@@blongshanks77 nice, sounds like it will be a good deal if you are there long enough. I've never worked at a place that offered that.

[@lauramaurer5265]

I have a pension as well and I have no idea how to factor that into what to save additional.

[@skyBearish]

this series is fire

[@DaniOchannel]

Thank you for another great video, Humphrey😊

[@Wingtf]

Just a thought experiment here for UPRO, if you’re going to bet on the S&P 500 winning out in the long run and see it as inevitable would the triple leverage be to only your benefit? You are just 3x your investment in the ETF at that point. Seems like you will make more money since in the long run the history is the upwards trajectory. The only downside I see is in the short term of emotions but if you can put that aside would this not just be the same as theoretically investing $300 as if you only had $100?

[@futureoldmanhobby]

That's my exact thought process, but because it runs abnormally volatile, I sell those once they hit long term cap and redistribute among the index, then buy in whatever leverage share total to bump me back to a round lot, then cycle those shares as they gradually realize long term cap. That way I get more stability from the greater standard index holdings, while also having the long term bumps & if those shares do tank, its just that lot & I can sit it and forget it / buy more at the depreciated rates when market sentiment tanks.

[@xXAnthony619Xx]

Leveraged funds also have high expense ratios.

[@intrance98]

I don't get why the first example don't include mortgage in the calculation of expense to coast FIRE...

[@LuisHernandez-rk2tp]

I think some of these people should enjoy some of that money now. Tomorrow is not promised

[@Ashermicheal6341]

This seems like the worst period. Even the market are now very unpredictable. Started investing recently when the market prices were a bit high,today I am more than 60% down!

[@Lucas75332]

Don’t be confuse buying the dip in a bear market, with guaranteed future returns. Just because that company is down 60%+ from ATH does NOT make it a sound long-term investment. Make sure you’re investing in great companies. kudos to Celia dullpher

[@liammateo287]

I agree just reached my goal of $500k monthly trade earnings. Setting realistic goals is an essential part of trading.

[@Ashermicheal6341]

How can someone know a professional broker when legit once are hard to find this days

[@Lucas75332]

She's recognized as 'Mrs Celia dullpher . One of the finest portfolio managers in the field. She's widely recognized; you should take a look at her work.

[@philipbenson746]

Yeah, I used the FIRE movement to put my finances in order. Then, I invested in stock, cryptocurrency, and real estate, though the assistance of my discretionary fund manager, dullpher, who helped me make it big...

[@aecet9652]

Love this

[@alexgonzalez-ke1oe]

Im in 100% on fidelity large cap growth

[@davidplugz]

We need more of these please

[@user-wc5lw7ps6h1]

Love these videos, keep them up!!

[@sanguebombjjbama1751]

Great advice

[@Yolomamba24]

Its easy to think that you have 20 to 30 years of investment time before retiring so as long as you dont pull the money out youll be fine going thru a recession 🤷‍♂️ Except, nobody ever wants to pull out during a recession... unfortunately people are usually forced to when they get laid off and nobodys hiring...

[@DariusPiggott]

Can someone explain to me why people keep THOUSANDS of dollars in a checking account? I see so many people do this. After I pay bills, I keep only a few hundred dollars in my checking account to spend on discretionary items that I may want to throughout the week. All large amounts of cash goes either to savings, investments or maybe a large purchase I need to make. I don’t get why anyone would ever need more than $1000 in their checking account unless they plan on making a large purchase soon.

[@isaacchapman7628]

I couldn't be arsed to move my yearly bonus to savings for a couple months after I got it. I guess that says a lot about how I regularly spend the same amount of every paycheck.

[@don951]

True. With the great interest rates available. I wait to transfer money until I need it and only leave a couple of hundred extra. I use a rewards credit card to buy stuff and pay it all off when due. I am taking full advantage of these rates while we have them.

[@Eyeahmdarck66]

The guy counting his pre-IPO shares shouldn't account for that value. The company could have diluted along the way until IPO to raise capital.

[@owenkraehling140]

My 75k portfolio is 20% s&p 20% cash 30% blue chip tech and 30% nvda calls that expire after earnings

[@user-yl5pg3kx1q]

Why wouldn't you recommend the first couple to just pay of their mortgage in full?

[@erdrick22]

@humphrey IMO there are too many people going with that generic 3-6 months of emergency savings. The market is not great for someone his age in a layoff scenario. Why not consider the higher end of that range or even more for him?

[@philnull]

Can you do a video on managing the expenses of owning a pet(s)?

[@2696yogesh]

How can I get my portfolio assessed?

[@whiterabbit9428]

For the 3rd person, does he have any 401k? Or just roth IRA?

[@djm0078]

What is wrong with cash when you are getting 5% on it?

[@bryson8918]

Because cash loses value over time due to inflation.. just parking your cash in vti/vxus, yields a far better return than cash in a hysa ever will.

[@kangamagic1206]

There's no reason for them to take risks right now. Why risk the stock market collapsing when you can do 5%+ risk free in treasuries? I'm 70% cash, 60% of that in treasuries/CDs and 10% as stablecoins in Duckpools and Stargate. My overall APY from my cash position is ~6.5%. If I were as old as they, I'd settle for ~5.2% in treasuries and be completely risk free.

[@kalvaxus]

A quarter million in company stock for which there's no clear IPO or buyout? I wouldn't rely too much on that..

[@ebelen1]

How did the last guy save 40% of his salary yet not have much more saved? Doesn’t make sense.

[@xxg-forcexx8734]

Good video but a bit concerned about your growth rate at 7% since that's not a real rate that'd be nominal. As we're seeing inflation can and does eat nominal rates up. If someone planned their fire rate with a 7% nominal rate then they run inflation risk when they may need it most for long term care at the end of retirement.

[@Dorfus924]

I like the FIRE community but one that makes me sad is how many people seem to be speedrunning life to retirement and not wanting/having kids. I'm sure many people *actually* don't want kids, but can't help but feel like many in the community simply convince themselves they don't want kids in order to FIRE quicker, versus truly don't want them.

[@MaxwellHay]

35% total net worth in company stock is too much for the last guy. No body mentioned it?

[@zacknelson8918]

So how can i get my portfolio on here to get "roasted"

[@CamperOfTheNolls]

How do we sign up to get roasted in the next video?

[@Baldwin321]

I was advised to diversify my portfolio among several assets such as stocks and bonds since this can protect my portfolio for retirement of about $150k. I want to know: Do I keep contributing to my portfolio in these unstable markets, or do I look into alternative sectors?

[@Christian67337]

the strategies are quite rigorous for the regular-Joe. As a matter of fact, they are mostly successfully carried out by pros who have had a great deal of skillset/knowledge to pull such trades off.

[@Theodore3241]

Even with the right strategies and appropriate assets, investment returns can differ among investors. Recognizing the vital role of experience in investment success is crucial. Personally, I understood this significance and sought guidance from a market analyst, significantly growing my account to nearly a million. Strategically withdrawing profits just before the market correction, I'm now seizing buying opportunities once again.

[@Scarlett34568]

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

[@Theodore3241]

Aileen Gertrude Tippy is the licensed coach I use. Just research the name. You'd find necessary details to work with a correspondence to set up an appointment

[@Scarlett34568]

Thank you for this Pointer. It was easy to find your handler, She seems very proficient and flexible. I booked a call session with her.

[@JasonHaase-zu4xe]

What if you have a mortgage under 3%? I assume I'm better off just investing the money rather than paying it off early?

[@don951]

Yes. For sure. That is cheap money.

[@bikerboy996]

whats up humphrey, i turned 20 last month and think im in an interesting financial situation that could be entertaining for a video

[@sarscov9854]

That pension fund can be treated like social security. It will be insolvent sooner rather than later.

[@timothytanner29]

Would love to get in on one of these

[@knowledgeapplied]

14:51 There's absolutely no need to do this, in this instance, namely, using his "extra cash" to pay off his mortgage. On the contrary, if he were to use velocity banking correctly, his home could be paid off in less than 7 years at his current income. Why not go into detail on this subject in the next video?...

[@DerrickJohn-t24]

I'm favoured, $87K every week! I can now give back to the locals in my community and also support God's work and the church. God bless America.

[@AliciaShavon0]

Investing in stocks and crypto is a good idea, a good trading system would put you through many days of success

[@ChrisBirthmark]

Please how do i go about it, am still a newbie on investment trading and how can I make profit?

[@DerrickJohn-t24]

Thanks to Mrs Telisha Grover

[@HollandRodriguez-d4u]

YES! that's exactly her name (Telisha Grover) I watched her interview on CNN News and so many people recommended highly about her and her trading skills, she is an expert and I'm just starting with her

[@TommyFranklin-m8k]

I'm surprised that this name is being mentioned here, I stumbled upon one of his clients testimony on CNBC news last week.

[@anthonyqcolosimo5374]

I want you to roast my portfolio, how do I send it in to get roasted

[@alexkarch7083]

I hope the first couple takes a few thousand out of their cash to have some traveling. Saving money is great and all, but if there is something you want to do, and you can reasonably afford it, live a little!

[@zaqutix]

Are there any benefits to a mutual fund? Vanguard has Mutual funds with an expense ratio of 0.04% and the ETF version has 0.03%, is there any benefit to one of the two?

[@kyle7574]

Short answer is that it doesn’t matter at all. You should just stick to ETFs for simplicity