21 Money Lessons I Wish I Knew Earlier

[@humphrey]

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

[@FlyingAnna]

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

[@brock5946]

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

[@berniekeene868]

Where is the link to your Discord community?

[@dreadlord9257]

#12 - I send my entire paycheck to savings. I have to manually move to checking. Forces me to login in regularly to check everything and just keep an eye on things (how often am I moving to checking, why is checking so low, etc.).

[@FineArtIsLife]

@@dreadlord9257 Great point! Must consider this for my direct deposits.

[@SCOTTDisick-yc7x]

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!

[@vivianlucy141]

I believe every Investor should start with ETFs for a solid foundation, then diversify across asset classes and maintain disciplined, regular investing to minimize risks and maximize growth.

[@Williamjame444]

Very true, I diversified my portfolio across multiple market with the aid of an investment advisor, I have been able to generate over $900k in net profit across growth stocks, dividend stocks & ETFs.

[@AndreaRoberto-wm3th]

Your advisor seems competent. Could you share how I can reach out to them? I've recently sold some property and i am interested in investing in stocks.

[@Williamjame444]

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

[@AndreaRoberto-wm3th]

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.

[@NicolasMiari]

I once was very broke, had ongoing credit card debt on "revolving" payments. Then a lump sum from some inheritance came down and I settled the debt. From that day on, I've settled my credit card in full every month (with a few exceptions of purchases on multiple installments).

[@Decker-hx2ir]

I clove you content, Humphrey. I love that your content is practical and never clickbait. Straightforward, to the point, and reasonable. I appreciate it.

[@JoeyLeBlancMusic]

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

[@kathyoliva6966]

And downright sickening that frugal savers end up paying the consequences of those that don’t save. Example…stores; creditors; banks; mortgage companies etc that get burned by people who file bankruptcy raise their prices service fees; interest rates to the rest of us for what they lost when Bad Guy successfully was relived of their debt through bankruptcy. Same with shoplifters…we customers end up paying the consequences by increased prices. Barf 🤮

[@MomoHitsujiOwO]

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

[@humphrey]

Welcome aboard and thank you for coming!

[@slushpuppii]

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

[@MomoHitsujiOwO]

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

[@austintehguy]

Ecclesiastes 5:10: "Whoever loves money never has enough; whoever loves wealth is never satisfied with their income. This too is meaningless."

[@xiphoid2011]

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

[@jollama]

This is why we say Asians are smart

[@jlakindd]

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

[@HarryPotterFan1307]

Love this mindset!

[@jollama]

@@jlakindd IRA/Roth IRA

[@sw6118]

Hey, some Americans think that way too.

[@marguritetheodore2194]

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

[@planetsaver]

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

[@wonderfully_madeJake]

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

[@planetsaver]

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

[@Alejandracamacho357]

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

[@mikemagnotta5396]

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

[@vladrazym9955]

Wow, that Bitcoin point was unexpected on a financial channel

[@German_overengineer]

It’s a complete scam.

[@lazylonewolf]

Oh god, finally someone who brought up the 25x annual expenses for early retirement. Most people still have no idea how much they actually _need_ and just say "I need five million dollars" to retire or something, when they need so much less.

[@davidchung6119]

2:05 - textbook example of misleading scale on a graph: the number of years between points on the chart is wildly inconsistent. 53 is equidistant (39 years) from 14 and 92, yet is 2/3 of the way to the right, which exaggerates the exponential curvature

[@raysh5689]

You are the absolute best finance videos/channel out there. Thank you so much !

[@UnevenScales]

I live a modest lifestyle but I budget to have nice things. You lost me there in the beginning, but I like you enough to keep watching.

[@deejkeithanmusic]

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

[@humphrey]

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

[@Yugiboii]

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

[@Unhinged_Crafts]

Id do 6 months e fund in a hysa and the rest in an index

[@ABagOfQuestionMarks]

Automating your savings is one of the most important ones on the list and probably the easiest to do. Thank you for yelling at those who still need to do that (me) ❤

[@oOBlahBlahOo12345]

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

[@bb1kehn]

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

[@pete5691]

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

[@PappyGuy]

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

[@s1lenttoad422]

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

[@bb1kehn]

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

[@jollama]

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

[@schrodingersmechanic7622]

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

[@b.b.stanfield9829]

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

[@notchipotle]

watching this channel really makes me regret most of my past decision, glad I realize it quite early

[@JaviGloza14]

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

[@DavidMcKee-wh8yh]

I don't understand why not using credit cards hurts your credit score. Especially if you have used credit cards in the past and have paid them off consistently. It's kind of crazy that you have to be scared that you're not using your credit card enough and as a result have a credit score that goes low enough to not be able to finance something like a house.

[@robertbalian9144]

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

[@PT_911]

13:00 you need leverage to make money 💰 📈📈📈... ⚖️

[@huntersanderson2803]

I think the point with bitcoin is to put 100-500$ in and leave it. It very well might tank, but if ever theres an other 5000% spike or what ever, well you had your foot in the door, since the news is all over it every time bitcoin spikes, you'lle know without having to check

[@AdamWright8fool]

Our economy is afflicted by uncertainty, housing troubles, foreclosures, global shifts, and the aftermath of the epidemic, all of which contribute to instability. To restore stability and drive growth, all sectors must urgently address rising inflation, slowing GDP, and trade disruptions.

[@CoreyLloydo]

The US dollar is losing value due to inflation, while other currencies are gaining strength, creating uncertainty. Nonetheless, many people remain confident in the Dollar's perceived safety. I'm concerned that my 420K retirement funds may lose value, therefore I'm looking for other financial stability.

[@ArchieJohnson5h]

With my stressful career, I don't have time for investment analysis. For seven years, a fiduciary has managed my portfolio, responding to market situations, ensuring for effective navigation and informed decisions. Consider taking a similar plan of action.

[@FreemanJameZ]

Do you mind if I ask you to recommend the coach you employed? It seems you've figured it all out.

[@ArchieJohnson5h]

My CFA, 'Leah Foster Alderman', is a well known figure in her field.

[@ArchieJohnson5h]

I recommend looking into her qualifications further. She has extensive knowledge and is a treasure trove for anyone seeking to manage the financial markets.

[@Runningmaster2025]

I really like your channel and do many of the things you recommend regarding money. The only thing I don't like nor agree is the obligation to investing money into the stock market.

[@Thesakuraharona]

I try not to automate my bills or moving money around simply because I like to actively manage it. What I do is at the beginning of each month I transfer to savings/investment accordingly. But I also was trained as a child to save everything so I battle that mindset.

[@Quantris]

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

[@yondrusek]

Here after your George Kamel interview. Now a subscriber 🥳

[@humphrey]

thank you!

[@Dymolabelwriter450]

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

[@Susanhartman.]

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

[@ThomasChai05]

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

[@mariaguerrero08]

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

[@mikegarvey17]

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

[@diane.moore-]

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

[@mikegarvey17]

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

[@ebayseller6040]

1:06 greatest designer cloth guy of ALL TIME

[@Deb-zo6uv]

Love your thoughts on flying first class----First class passengers only arrive at the destination about 5 seconds before I do, and the minor discomfort sitting in a budget fare seat is not that terrible. I'd rather have the money.

[@victorblas3483]

401k is the best one for sure!

[@DrGODofTHUNDER]

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

[@victorblas3483]

@@DrGODofTHUNDER you are correct!

[@DefenestrateYourself]

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

[@DefenestrateYourself]

@@victorblas3483 incorrect

[@damondiehl5637]

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

[@FrankPatrick-no8zo]

The current market/economy is unnecessarily tougher for boomers/senior citizens, I’m used to just buying and holding assets which doesn’t seem applicable to the current rollercoaster market plus inflation is catching up with my portfolio. I’m really worried about survival after retirement.

[@RuthEvelyn-rc3bg]

Not offering any particular advice, but I can assure you that it's not as hard as many people think it is. Ordinary investors lack the requisite level of diligence, so having a financial advisor on board is usually highly beneficial. In the market, this is how people generate enormous profits.

[@CrystalJoy-32]

I agree. There's a lot of potential in the market. My friend introduced me to a financial advisor in 2021, and even though I was skeptical, I went on. I finally was making enough monthly dividend to quit my soulless job and pursue my dream to start a restaurant in New Jersey.

[@alicegomez7232]

That's really great. I've tried doing some research myself to hire a financial advisor, but it's really overwhelming. Could you recommend who you work with please?

[@CrystalJoy-32]

Amber Michelle Smith has always been on the top of my list..She is regarded as a genius in her area and well knowledgeable about financial markets. I highly recommend you look her up if you want excellent collaboration.

[@LuvmeRos]

Thank you for sharing, I must say she appears to be quite knowledgeable. After coming across her web page, I went through her resume and it was quite impressive. I reached out and scheduled

[@Courtney-Alice-Gargani]

Are you posting more videos now?

[@humphrey]

yep!

[@JohnLee-vl8qk]

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

[@amill1563]

Are you available for personal consult?

[@inigomontoya4135]

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

[@LeviHashem]

Lmfao correct. Let them think you’re broke. While they are worried about their rent while you will be sleeping sound like a baby in your thrift store clothes.

[@fwfeo]

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

[@tariqabughofa9730]

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

[@damondiehl5637]

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

[@PMeventsLT]

Great advise! But this should be divided into multiple videos. Perhaps by topic of Saving - Spending - Investing money. Now it is just too much info squeezed into one video. 🤯

[@richardsanty9063]

Bitcoin is way to volatile for me.

[@humphrey]

thats ok! you dont have to buy

[@michaelduffproductions8976]

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

[@andichrist2000]

Volatility = opportunity

[@jollama]

*too

[@richardsanty9063]

@@andichrist2000 and fail.

[@sw6118]

My spouse wants to buy a new Toyota Camry, a reasonable car. His current 2003 car has reached the point that repairs are being common so it’s reasonable and he’s use the new car for many many years. Pay for it as a lump sum or take out a loan? We can do either. This is not a lump sum splurge. The concern is at what point do you prefer not making lump sum payments?

[@Eva1314_XYZ]

Depends on the interest rate of the Toyota loan . Also do check around within 1000 miles , some dealers are cheaper than others even in same state! I bought my bmw in southern cal and it was $3000 lower than Northern Cal!

[@treeshagayoso]

You make such great videos 👍🏻

[@humphrey]

Glad you like them!

[@elizabethmaedavenport]

You rock Humphrey! Keep it up! 🙂

[@pauloferro2593]

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

[@tombkk1322]

5 million dollar net worth before you can buy a business or first class ticket? 22 hours in coach on an overseas flight is rough. I might have to disagree on that one.

[@tombkk1322]

Maybe you only meant first class and not business class.

[@Eva1314_XYZ]

You can easily save 300-400k points in several credit cards sign up bonus and can redeem some business class seats 🎉

[@FrozenDung]

​@@Eva1314_XYZ Just tough it out, the plane arrives at the same time for first class as it does for the cheapest economy ticket. I'd much rather spend that money on experiences than the flight there.

[@invinciblemode]

@@FrozenDungthe flight IS the experience too!

[@dmoneyplusmagic]

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

[@thesecondcomingofchrist123]

What now

[@Benroe-yz1nz]

Spoiler alert. Buffet has bitcoin😂😂

[@Aric_V]

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

[@humphrey]

yes its very similar!

[@ShawDAMAN]

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

[@damondiehl5637]

Debt is dumb, pay off the car.

[@jennyneutron6748]

The car probably has as much higher interest rate too …

[@bluesky973]

22. Create streams of passive income with rentals

[@kathyoliva6966]

IF your tenants pay and IF the regulatory agents don’t put another ‘freeze’ on evictions.

[@Henchman_Holding_Wrench]

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

[@hiddenpk1]

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

[@christams8863]

Very wise advices from you...thank you!

[@elizabethmaedavenport]

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

[@coolceelah]

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

[@Eva1314_XYZ]

North california is still affordable $400k

[@JustPokey]

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

[@humphrey]

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

[@JustPokey]

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

[@humphrey]

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

[@KO-lw4lo]

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

[@Raphanne]

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

[@omarmohammed3994]

Amazing content. Learning new things everyday ✨️ keep it up

[@Courtney-Alice-Gargani]

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

[@humphrey]

lets go!

[@SeunAdekoya]

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

[@kathyoliva6966]

Truth

[@edwardloizides5415]

Although I agree with not showing off particularly early in your accumulation phase of your life. Once rich you’d better live rich otherwise YOU ARE GOUNG TO BE A BIG LOSER. Look and feel great once rich ! Buy the best car, clothing, trips etc!

[@DaniOchannel]

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

[@theswipecassette]

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

[@bookwormbon482]

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

[@humphrey]

Glad it was helpful!

[@andrewmainprice2179]

When I sold shares which I had kept for 20 years. I did treat myself to a wee splurge of about £150 out of a £15K.

[@Bangpaulxu]

Always appreciate your content! Much love from Shanghai!

[@humphrey]

I appreciate that!

[@lt5339]

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

[@jollama]

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

[@DefenestrateYourself]

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

[@jollama]

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

[@panike]

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

[@johnconner8437]

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

[@jimparks305]

I disagree on one point with some qualification: I don't think you need to have a net worth of $5 million to fly first class or business class, IF you don't fly very often. In my case I fly maybe two or three times a year with maybe one big trip overseas. For me, personally, I look at it like this is something I don't do very often anyway so if it cost me for example $3600 to fly round trip business class to Phuket or Moscow versus $1200 for an economy ticket, the one off expense of $2400 to be far more comfortable and just have an overall much better experience is worth it to me. And if you're flying very frequently, you'll probably get upgraded anyway. I just put that extra expense to fly first or business down as part of my discretionary expenditure. But I definitely don't think anybody should be going into debt to do it. Great channel by the way! I make my kids watch your stuff!

[@xensan76]

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

[@Nigriff]

2-5% of your total investment

[@DefenestrateYourself]

@@Nigriff eww

[@benjaminlanzas1507]

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

[@Yugiboii]

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

[@mocheen4837]

We never spend my bonuses or overtime. I put it straight into my retirement account.

[@kyler8383]

How does one buy bitcoin? I've been interested in spending a small amount in it but don't know where to look. Any reputable ideas? Thanks!

[@ahmejia148]

Not a fan of your comments on credit. Just dont use it and dont worry about a credit score and none of it matters. If youre gonna buy a house you can ask for manual underwriting

[@laundrygoddess4]

Lots of things rely on credit score. I'm debt free and when I paid off my mortgage my credit score went down. Well boy did my home insurance go up! And no... They won't manually underwrite

[@Peter-kt2gb]

Stay humble and stack sats.

[@europana7]

Investment fund Fees are irrelevant compared to absolute return including fees.

[@BTCUFC]

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

[@GloriaMoore01]

HOW TO GET WEALTH.

[@GloriaMoore01]

the first step to acquire wealth is figuring-out your goals with heIp of a financiaI pIanner, and foIIowing through with lnteIIigent ideas; you will acquire wealth in no time and also enjoy the decision of managing your money.

[@GloriaMoore01]

l made better decisions that grew my finances (over 1M in 2yrs) with heIp of my financiaI pIanner. Got my 3rd house Iast month, and will retire soon.

[@GloriaMoore01]

Get to her, if you care.. Elizabeth Green Hunts

[@evelynscarlett1]

Good I got here. Big Thanks

[@krysis7271]

If I got a $50k commission, my first thought would be how exited I would be to see how much more of a monthly return on would get from my savings account. Definitely a shift from how I thought 5 years ago 😂

[@leafyeon]

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

[@Eva1314_XYZ]

#6 dont Fly First Class if your net worth is less than 5 million Collect rewards points collected from credit card sign up bonus to redeem first class flight Usually under 300k points one way 🎉

[@kahuhipajae4088]

Here here! Great thoughts for the day.

[@omarmohammed3994]

Lesson#22: wish I subscribed earlier 😅

[@nabamitachatterjee7432]

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

[@lyricscover9279]

What is 401K ?

[@Charester]

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

[@stephans1990]

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

[@Cormin]

Shout-out to the editor who used animal crossing sound effects on the game section

[@DrX_1030]

Please! Nobody should buy bitcoin as a hedge. It'll never replace currency. If you're curious look into gas fees for both eth and btc, that's why.

[@JavierTorres-ng6ct]

I know this question is not related to the video at all, but where did you get your sweatshirt from?? 😭

[@thily]

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

[@courtneyshannon2621]

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

[@cristianandrei5462]

The main advantage of credit cards is fraud protection. The way they're supposed to be used is for your monthly expenses and then payed of before the statement date. Bonuses, idk, you have to be careful, the deal that you presumedly get might be already priced in. I'll say gas stations or grocery stores cashbacks are the best. Now about actually using the credit and paying interest, using your credit card as a loan, it's usually bad, like 99 percent of cases bad.

[@shaw7598]

Should I lump sum splurge on VOO purchase or dollar cost average

[@ScottishJazzman]

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

[@greg1vq]

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

[@jeremydudet]

Great vid Humphrey!

[@AliciaShavon0]

I'm favoured, $47K 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.

[@DerrickJohn-t24]

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?

[@AliciaShavon0]

Thanks to Mrs Telisha Grover

[@TommyFranklin-m8k]

After I raised up to 325k trading with her I bought a new House and a car here in the states also paid for my daughters surgery (Isabella). Glory to God.shalom.

[@Edwardjack-n5d]

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

[@jacksonbilly9979]

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

[@humphrey]

i would love to! i should Dm them.

[@jacksonbilly9979]

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