Roasting My Subscribers’ Investment Portfolios *insane*

[@humphrey]

I'll keep making these so long as you demand 'em! Make sure to SUBBbscribe and check out episodes 1 & 2 in the description. Discord: discord.gg/xJzsaGaaDE

[@Wilkinss]

Hi Humphrey, I love your content and I would like to send you my portfolio. How can I do that please?

[@Helen_white1]

I used to work as an investment advisor. The advice presented in the video is excellent and holds true for the average American. While it's a fact that money can't directly buy genuine happiness, it does provide the means to access experiences that can lead to happiness. However, for individuals with a substantial portfolio, say around $5 million, if you observe closely, you'll find that most people in their 70s are still quite active (I live in LA), but by the time they reach 80, their activity levels tend to decline. So, it's essential to enjoy life at some point before it's too late. That enjoyable vacation might well be the experience that brings comfort in your later years. It's important to distinguish between spending money wisely and squandering it. Be prudent in your value-conscious spending.

[@Sofiapaate]

Experienced the same thing. The financial counselor we met with last year told us, "Guys, you've already made it," even though my spouse has retired. Stop delaying enjoyable activities in life

[@FrancisWilliam-mv8tv]

I completely agree. I'm 54 years old and recently retired with roughly $1.8m in outside retirement funds, no debt, and very little money in retirement funds relative to the total value of my portfolio over the past 3 years. To be honest, the Fin-advisor's role can only be downplayed, not dismissed. Simply try to identify a reliable one. Spending money on possibilities and things that might not exist much sooner than we realize is completely different from wasting it. As you said, being value-conscious is essential.

[@JaneBlac-]

Do you mind sharing info on the adviser who assisted you? I'm 39 now and would love to grow my stock portfolio and plan my retirement

[@FrancisWilliam-mv8tv]

Finding financial advisors like Jessica Lee Horst 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.

[@Steven-u2u]

​ @FrancisWilliam-mv8tv I just checked her out on google and I have sent her an email. I hope she gets back to me soon.

[@tommychestnut5335]

Biggest lesson i learnt in 2023 in the stock market is that nobody knows what is going to happen next, so practice some humility and low a strategy with a long term edge.

[@Patriciacraig599]

Nobody knows anything; You need to create your own process, manage risk, and stick to the plan, through thick or thin, While also continuously learning from mistakes and improving.

[@instinctively_awesome8283]

I could really use the expertise of this advsors.

[@RaymondKeen.]

I was advised to diversify my portfolio among several assets such as stocks and bonds since this can protect my inherited portfolio of about $2.5m. 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.

[@HectorWhitney]

True, I mostly just buy and hold stocks, but my portfolio has been mostly in the red for quite awhile now. Unfortunately to be able to make good gains, you’ll need to be consistent and restructure your portfolio frequently.

[@DorathyJoy]

In my opinion, it was much easier investing back in the 60s but it’s a lot trickier now, those making consistent profit in these times are professionals reason I’ve been using an advisor for the past 5 years to consistently build my portfolio in preparations for retirement.

[@Hectorkante]

My partner’s been considering going the same route, could you share more info please on the advisor that guides you?

[@DorathyJoy]

Well, there are a few out there who know what they are doing. I tried a few in the past years, but I’ve been with Melissa Terri Swayne for the last five years or so, and her returns have been pretty much amazing.

[@CraigLloyd-fz6ns]

I greatly appreciate it. I'm fortunate to have come upon your message because investing greatly fascinates me. I'll look Melissa up and send her a message. You've truly motivated me. God's blessings on you.

[@EleanorMabel]

I'm 54 and my wife and I are VERY worried about our future, gas and food prices rising daily. We have had our savings dwindle with the cost of living into the stratosphere, and we are finding it impossible to replace them. We can get by, but can't seem to get ahead. My condolences to anyone retiring in this crisis, 30 years nonstop just for a crooked system to take all you worked for...

[@SantiagoWyatt-]

I feel your pain mate, as a fellow retiree, I’d suggest you look into passive index fund investing and learn some more. For me, I had my share of ups and downs when I first started looking for a consistent passive income so I hired an expert advisor for aid, and following her advice, I poured $30k in value stocks and digital assets, Up to 200k so far and pretty sure I'm ready for whatever comes...

[@EleanorMabel]

@@SantiagoWyatt- That's actually quite impressive, I could use some Info on your FA, I am looking to make a change on my finances this year as well

[@SantiagoWyatt-]

@@EleanorMabel My advisor is VICTORIA CARMEN SANTAELLA;

[@SantiagoWyatt-]

You can look her up online

[@BlakeGabriel-23]

@@SantiagoWyatt- The crazy part is that those advisors are probably outperforming the market and raising good returns but some are charging fees over fees that drain your portfolio. Is this the case with yours too?

[@Robbertskypes]

The idea of investing a significant sum of money may be both thrilling and intimidating. There is potential for considerable wealth increase with the correct strategy. How can one take advantage of compound interest and potentially grow your retirement savings to about $1M over time?

[@dianarabbanii2]

I would avoid index funds, mutual funds, and specific stocks for the time being. Right now, the best option is a fixed income of five percent. Put money aside for the times when the market really starts to bounce back. most importantly consider financial advisory for informed buying and selling decisions.

[@SloanJane-xp4kr]

A lot of folks downplay the role of advlsors until being burnt by their own emotions. I remember couple summers back, after my lengthy divorce, I needed a good boost to help my business stay afloat, hence I researched for licensed advisors and came across someone of utmost qualifications. She's helped grow my reserve notwithstanding inflation, from $275k to $850K

[@TimothyS-t2i]

impressive gains! how can I get your advlsor please, if you dont mind me asking? I could really use a help as of now

[@SloanJane-xp4kr]

Elisse Laparche Ewing 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..

[@CarlShanklin]

She appears to be well-educated and well-read. I ran an online search on her name and came across her website; thank you for sharing.

[@DonaldMark-ne7se]

Transfer of wealth usually occur during market crash, so the more stocks drop, the more I buy, in the meanwhile I'm just focused on making better investments and earning more as recession fear increases, apparently there are strategies to 3x gains in this present market cos I read of someone that pulled a profit of $350k within 6months, and it would really help if you could make a video covering these strategies.

[@JacquelinePerrira]

Yeah, financial advisors could make a lot of difference, particularly in a market such as this. Stocks are pretty unstable at the moment, but if you do the right math, you should be just fine. Bloomberg and other finance media have been recording cases of folks gaining over 250k just in a matter of weeks/couple months, so I think there are a lot of wealth transfer in this downtime if you know where to look. I have been using an FA since 2020, and I return at least $30k ROI, and this does not include capital gain.

[@JacquelinePerrira]

Yeah, financial advisors could make a lot of difference, particularly in a market such as this. Stocks are pretty unstable at the moment, but if you do the right math, you should be just fine. Bloomberg and other finance media have been recording cases of folks gaining over 250k just in a matter of weeks/couple months, so I think there are a lot of wealth transfer in this downtime if you know where to look. I have been using an FA since 2020, and I return at least $30k ROI, and this does not include capital gain.

[@kevinmarten]

Would you mind telling me how to contact this specific coach using their service? You seem to have the solution, as opposed to the rest of us.

[@JacquelinePerrira]

When ‘Carol Vivian Constable’ is trading, there's no nonsense and no excuses. She wins the trade and you win. Take the loss, I promise she'll take one with you.

[@kevinmarten]

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

[@matthewkesky8150]

The 2nd couple makes more in a year than I have in 32 years. I should have learned to code.

[@themusic6808]

These are also the jobs with the least amount of security so the high salary should likely make up for it.

[@smileygeni]

The 2nd couple makes a sh*tton, but only has $300k net worth. Not very impressive for mid-30s and high income.

[@mikesu51]

@@smileygeni I think it's impressive. They leveraged to buy a primary home and their rental, and in their 30s their mortgage owed will be higher so their current net worth value is a little misleading but they still have over a million combined in cash & stocks which as Humphrey also pointed out is quite healthy. I'm also pretty certain they didn't start out making 700k+ a year right out of college which makes this all the more incredible.

[@asw654]

Typical upper-middle class income family in the Bay Area.

[@TheCactuar124]

Yup, ridiculously overvalued positions.

[@FrankBenjamin-l3b]

Hit 200k today. Thank you for all the knowledge and nuggets you had thrown my way over the last months. Started with 14k in last month 2024 .......

[@4lovehenry]

I'm 37 and have been looking for ways to be successful, please how??

[@FrankBenjamin-l3b]

Sincerely speaking. I will continue to trade and stick to expert catherine daily signals and guides as long as it works well for me.

[@FavourGift-en6en]

Woah for real? I'm so excited. Adriana's catherine strategy has normalised winning trades for me also. and it's a huge milestone for me looking back to how it all started

[@WilliamAMilley]

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

[@FrankBenjamin-l3b]

she's mostly on Telegrams, using the user name. ....

[@kurtKking]

What are the best strategies to protect my portfolio? I've heard that a downturn will devastate the financial market, so I'm concerned about my $200k stock portfolio.

[@Jamesjerome0]

There are strategies that could be put in place for solid gains regardless of economy situation, but such execution is usually carried out by an investment specialist...../

[@Monicamonasky-]

Mind if I ask you to recommend this particular coach you using their service? Seems you've figured it all out....

[@Monicamonasky-]

Thank you for this amazing tip. I just looked the name up and wrote her up, to schedule a call. many thanks;;;;;

[@estherembasy7935]

I really appreciate the dedication in each video you post. Despite the dip in crypto, I still thank you for the level-headed financial advice. I started crypto investment with $4,345 and since following you for few weeks now, I've gotten $18,539 in my portfolio.

[@piusgideon7759]

Am a newbie in crypto investment, please can you guide me through on how you made profit?

[@estherembasy7935]

As a beginner investor, it's essential for you to have a mentor to keep you accountable. Cora James is my trade analyst, she has guided me to identify key market trends, pinpointed strategic entry points, and provided risk assessment, ensuring my trades decisions align with market dynamics for optimal returns.

[@piusgideon7759]

I am a new member, where do I find Cora James??

[@estherembasy7935]

The digit below is used by her to interact on Whtapp 👎

[@estherembasy7935]

+186

[@themusic6808]

To the first person; if you’ve been taught not to trust the banking system and financial markets by either immigrant parents or a lack of education then just put your cash deposits in JP Morgan and your market investments in VOO. The entire value of the S&P 500 is 45 trillion dollars, Vanguard’s assets under management exceeds 8 trillion dollars and JP Morgan’s deposits whether insured up to or not amount to over 3 trillion dollars. Meaning the likelihood of you losing all of your money would coincide with the value and wealth of the American & global economy going bankrupt, almost every business in it going bankrupt, and your retirement and financial wellbeing would likely be the last thing on your mind at that point, as would the value of most currencies, commodities or holding cash lol If you can’t accept that margin of safety then investing and money just ain’t for you.

[@trazzpalmer3199]

Putting well-earned money into the stock market can't be over emphasised for first-time investors, unlike a bank where interest is sure thing! Well, basically times are uncertain, the market is out of control, and banks are gradually failing. I am working on a ballpark estimate of $5M for retirement, and I have a good 6-figure loaded up for this, could there be any opportunity for a boomer like me?

[@RobertBrown..]

Personally, I would say have a mentor. Not sure where you will get an experienced one, but if your knowledge of the market is limited, it seems like a good bet.

[@DavidLucas-so8rr]

Some individuals minimize the importance of counsel until they make regrettable mistakes. A few summers ago, following a protracted divorce, I needed a significant push to keep my firm afloat. I looked for licensed advisors and found someone with the highest qualifications. She has contributed to my reserve increasing from $275k to $850k despite inflation.

[@Bridget-l7p]

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

[@DavidLucas-so8rr]

Kenna Muriel Hesseling 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

[@JenniferDavis7630]

I just Googled her name and her website came up right away. It looks interesting so far. I sent her an email and i hope she responds soon.

[@Sophia-bt2uh]

I feel investors should be focusing on under-the-radar stocks, and considering the current rollercoaster nature of the stock market, Because 35% of my $270k portfolio comprises of plummeting stocks which were once revered and i don't know where to go here out of devastation.

[@Charlotte-ew6sw]

Safest approach i feel to tackle it is to diversify investments. By spreading investments across different asset classes, like bonds, real estate, and international stocks, they can reduce the impact of a market meltdown

[@ramosace]

Investors don't understand the role of advlsors until being burnt by their own emotions. I remember couple summers back, after my lengthy divorce, I needed a good boost to help my business stay afloat, hence I researched for licensed advisors and came across someone of utmost qualifications. She's helped grow my reserve notwithstanding inflation, from $275k to $850k.

[@SirManselus]

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

[@ramosace]

My CFA ’ANGELA LYNN SCHILLING’ , a renowned figure in her line of work. I recommend researching her credentials further. She has many years of experience and is a valuable resource for anyone looking to navigate the financial market.

[@SirManselus]

Thank you for this tip. it was easy to find your coach. Did my due diligence on her before scheduling a phone call with her. She seems proficient considering her résumé

[@salinagauntlett]

I will be forever grateful to you, you changed my entire life and I will continue to preach on your behalf for the whole world to hear you saved me from huge financial debt with just a small investment, thank you Charlotte Miller.

[@chaz4610]

I'm surprised that you just mentioned and recommended Charlotte Miller, I met her at a conference in 2018 and we have been working together ever since.

[@TaggeGust]

She is my family's personal broker and also a personal broker in many families I'm United States, she's a licensed broker and a FINRA AGENT in United states

[@masterotrunks]

The very first time we tried, we invested $1000 and after a week, we received $5500. That really helped us a lot to pay up our bills.

[@norbi147]

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

[@salinagauntlett]

Sure! She interacts on what's App using the digit below 👇

[@CrystalJoy-32]

As an avid investor, I wonder how others amass fortunes. I have over $545K from a recent home sale but am unsure of my next move. Should I buy stocks now or wait for another opportunity?

[@LuvmeRos]

Learn investing basics and the stock market through online resources like books, articles, and courses. Diversify your portfolio across different stocks and sectors to minimize risk. Some have accrued over $550k during recessions and inflation, so do your own research.

[@DennisJack-km8ho]

It's unfortunate most people don't have such information. I don't really blame people who panic. Lack of information can be a big hurdle. I've been making more than $30k passively by just investing through an advisor, and I don't have to do much work. Doesn't matter if the economy is misbehaving; great wealth managers will always make returns.

[@RuthEvelyn-rc3bg]

I've been considering but haven't been proactive. Can you recommend your advisor? Could really use some assistance.

[@DennisJack-km8ho]

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.

[@albacus2400BC]

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

[@scsmncao]

Great video! One small thing that was a bit misleading was that you're only counting the equity in the total assets calculation. If we want to see total assets, the total value of the home should be added into the assets category, not just the equity. The total asset calculation in the sheet is really the net worth.

[@christinap7287]

Please keep making these videos. They are great examples and hearing your POV is very educational. I'm learning so much from you. I'm 54 years old and have learned more about investing from you than from anywhere else.

[@xaviertorres6301]

Man these portfolio review videos are absolute key! There should honestly be more! We literally get to learn what not to do and to do it specific situations

[@JudgeMoDollas]

This is a great series!

[@humphrey]

THANK YOU kind person!

[@harish-guda]

I love these videos -- I treat these as the classic "case studies" that we study in B-school; here, they are for personal finance. I would love to see as much diversity in the demographics/income/risk-preferences of individuals/couples to cover as many types as possible.

[@humphrey]

Trying Harish! thanks man!

[@btb2019]

@@humphrey Glad to see some different portfolios but not everyone that watches this is 17 - 30 and living with their parents. Hint. I am in married in my late 40s with kids who are going to college and I do not really want them living in my house for another decade. It is nice that so many of your viewers have the option to stay at home for what I view as an overly extended timeframe, but I fear I have become a sandwich generation where I will be taking care of my parents sooner and for a longer time than expected while my kids will want to stay home longer than anticipated. What are my options to consider, or should have considered earlier in order to help prevent this from happening.

[@mertie-l2f]

As an lnvesting enthusiast, I often wonder how top level investors are able to become millionaires off investing. . I’ve been sitting on over $545K equity from a home sale and I’m not sure where to go from here, is it a good time to buy into stocks or do I wait for another opportunity?

[@Daneilchirs]

A lot of folks downplay the role of advlsors until being burnt by their own emotions. I remember couple summers back, after my lengthy divorce, I needed a good boost to help my business stay afloat, hence I researched for licensed advisors and came across someone of utmost qualifications. She's helped grow my reserve notwithstanding inflation, from $275k to $850k.

[@Daneilchirs]

Angela Lynn Schilling 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.

[@DinoStudios23]

you botty bot

[@hmmmm4902]

@@DinoStudios23for real

[@Ghidorah96]

WTF? Angela stole my money, cook books and kicked my dog. Scum for recommending her

[@dkgong]

Damn. As a former senior software engineer, I wish I'd made that kind of money from power couple #2.

[@CoolestGuyInTheRoom]

That's low income in the area they live and work. 100% facts.

[@wawo9193]

@@CoolestGuyInTheRoomno its not… thats like upper middle class

[@gregwatkins1332]

750k as a couple in SF puts them in the top 5%. Average home price is around 1.5 million in SF

[@slh4176]

​@@CoolestGuyInTheRoomIt is pretty high household income even in the Bay Area

[@sahilpatel5298]

I LOVE THESE VIDEOS< KEEP EM COMIN HUMPHREY

[@humphrey]

your wish is my command, Sahil

[@TommyFranklin-m8k]

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

[@AliciaShavon0]

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

[@ChrisBirthmark]

MrsTelisha Grover, has really helped my life and entire family during last year. may the good lord inspire you more .

[@HollandRodriguez-d4u]

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.

[@Edwardjack-n5d]

She is a licensed broker here in the states

[@TommyFranklin-m8k]

Please educate me more, I think I've come across this name MRS TELISHA GROVER before.

[@cademyers7235]

$1250 max expenses a month is WILDLY LOW as an estimate for San Diego. Try $3000 if you have a roommate.

[@luisalonso3018]

I like this type of videos where you analyze Investment Portafolios. Maybe do one analysis at a time insted of 3 in one video. Shorter videos are always appreciated. Take care, thank you for helping out!

[@tsx0013]

Ive been watxhing you for a while, and i want to say this series got me to subscribe. Keep it up.

[@humphrey]

Welcome aboard!

[@wanger07]

For the second couple, you shouldn’t count unvested stock until they vest. When I retired, I walked away from a mid-six figure amount of unvested stock. Since retirement, I’ve been divesting from my company stock. I like that you pointed out the tax implications of divesting. Selling specific lots or tax loss harvesting of other investments is a good way to go.

[@lashimbared3275]

Thank you for saying this! I thought I was the only one thinking this. It shouldn’t be included because they don’t have it yet and may not get it if they quit or get fired

[@TylerofSc004]

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?

[@Marianela-r3v]

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

[@Mitch10bands]

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.

[@greekmom]

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

[@Mitch10bands]

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.

[@greekmom]

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

[@georgeearling905]

I just wish I had taken a more cautious approach with my investments. It's stressful seeing my savings diminish

[@V.stones]

Diversification has definitely played a key role. I spread my investments across different asset classes and industries, which has helped manage risk

[@sebastiaanthijn7982]

Investing always carries some level of risk. It might be beneficial to review your investment strategy and consider adjustments that align better with your risk tolerance and financial goals

[@cherylhills3227]

My portfolio took a hit when I attempted aggressive trading strategies. Now I’m more conservative, focusing on long term growth and capital preservation

[@Sanchyfab]

It's important to find a reputable advisor who can offer personalized guidance based on your financial situation and goals. Some advisors may not align well with your needs or have the expertise required

[@christopherherbert2407]

Exactly. do you mind recommending a reputable financial consultant?

[@bigslacker666]

Aside from Humphrey's great advice, couple #2's best move is reloc outta the bay. It's gross there anyway and even with a location adjustment they'd be KILLIN IT in a sane housing market and banking the rest.

[@omarh.4320]

@@bigslacker666 Their net worth is around $2.7M after removing their unvested stock. Although I wouldn't live in the Bay Area (or consider raising a family there), if anyone can afford to live there, it's them.

[@bigslacker666]

@@omarh.4320 They can for sure. I'm just looking at the goal of financial freedom by 50 and a young kid. Higher level in big tech is a demanding grind. With their assets in a different place they could buy a very nice house cash, one of them could SAHP or both keep working and hire a fulltime nanny and hit that 'retirement' goal 10 years earlier etc. Big Tech here as well. Never lived in the bay but did live in a $$ metro area and reloc'd during Covid. Absolutely love my lifestyle and wouldn't go back to crowds, mega taxes, insane politics and the weird antisocial culture of a west coast city.

[@Gafdan2]

These types of case studies are really entertaining and educational. When the first woman moves out she'd be paying for groceries and all kinds of other things that her parents pay for currently so her expenses will no doubt be higher. Might be a minor point but I thought it was worth mentioning.

[@gregwatkins1332]

Best series you have done, thanks for putting it together!

[@Courtney-Alice-Gargani]

I think you and Caleb should make a video together and roast a guest, sitting across from both of you.

[@humphrey]

i do like caleb

[@HelenaSandra-xq8hw]

I began investing in stocks and Def earlier last year and it's the best choice I've ever made. My portfolio is rounding up to almost a million and I have realized that when a stock makes it to the news, chances are you're quite late to the party, the idea is to get in early on blue chips before it becomes public. There are lots of life-changing opportunities in the market, maximize it.

[@mart1n10601]

Love this series. Please do more!

[@jmagicd9831]

I'm glad I found this video. I have started investing this year, and consider myself to be high risk tolerance, but after seeing some advice here, I'm realizing my international exposure may be higher than necessary and that one of my funds (IMCG) was completely overlapped by the S&P. I've gone ahead and droped that in favor of a broad market fund since my portfolio lacked one of those.

[@Seelenverheizer]

The second couple is insane, with that income they can be financially free within 2 years

[@MrKoolkrik]

For couple 2: looks like expenses are post tax and income is pre tax - in the calculation - we need to calculate effective tax rate to get yearly savings

[@MrKoolkrik]

Their take home pay - without deducting for retirement funds - should be 465k. This is after calculating effective tax rates for federal and CA

[@sw_nerd2187]

These are my favourite videos of yours love them! Would you ever review a Canadian portfolio? :)

[@ld5714]

The current $69,000 total 401k limit (both employer and employee) is established by the gov and will go up each yr with inflation. Employees have their limit and the difference is for company match if provided, and after tax contributions if the plan allows. The plan has to also allow for in service distributions in order to do the mega back door Roth conversaion. It is very sweet if the plan allows and you are a high income earner.

[@dontich]

Damn couple two is basically me and my wife. You missed their two homes values in the equity part. The assets should be at like 2-3M higher.

[@christineee444]

Loving this series so far!

[@scottbatley1983]

This series is awesome. Please keep them coming.

[@MikeConrow]

I love this series! It's taking all the tips and tricks you give us about financial literacy and applied to a real world example! Where can I apply to be a participant in this series?

[@janrr3080]

More roasting videos! They're very educational :)

[@erwinnation]

Love this content Humphrey thank you for doing this!

[@humphrey]

You are welcome!

[@Dimantledpenguin99]

Love this man keep doing these

[@garrettancel]

Humphrey calls it roasting but its more like helpful advice and constructive criticism 😂😂

[@kandi215]

Profile #2 couple work for Amazon. Got it!

[@CamOzone]

Your newsletter is fire🔥

[@Olvera_emi]

I really like this series. Keep it up! 👍

[@politicscommentator]

Love these kinds of videos. Love to see more.

[@humphrey]

you got it

[@shaheeddolchey]

I love these series keep doing them please!!!

[@humphrey]

of course!

[@702prodigy]

i really enjoy these videos thank you 🙏🏼

[@se7sTC]

For the second couple, I think the net worth number is a bit misleading. First of all, the net worth is spread between money they have access to immediately and money they can only access at retirement and will have taxes deducted from it, While the debt is already current. Secondly, I’m not sure why unvested stock was added to the mix. Unvested stock is future income and is not in actual position to be liquidated until it’s vested based on the vesting schedule. If they leave their companies today, none of that stock is coming. Also a minor correction, the previous company stock is already vested and settled amount. None of the previous company stocks will keep coming as any unvested stocks are terminated with the resignation

[@omarh.4320]

Their net worth is $2.7M. With the way the data is currently presented the only debt the couple has is the $52K car loan since the mortgage was already deducted to find the home equity. I also removed the unvested stock as that doesn’t belong to the couple (yet).

[@sherlockrobin597]

Really enjoy these reviews, keep them up!

[@kkarinalew8071]

For the 529 conversion for couple 2, you can convert up to 35,000 over the life time of the account. The 529 must be open and in that child’s name for 15 years before you can start the conversion, and you can only contribute up to the years limit. So 2024 limit is 7000, so you would only be able to convert up to 7000 to the Roth, assuming no other money was contributed and they have earned income. (I have my 7 and 66) so there are quite a few strings attached w converting 529 money to Roth. Please consult a tax advisor as well as a financial advisor to learn more about how the conversion can impact you.

[@kevinbartoszek4186]

The hey were not curious they put that out there to Boast.

[@McRuffin]

Making 700k a year and asking for advice online is insane to me. I also live in CA. I’d be retired in 3 years making that much. You could spend 1,000$ on books, seminars, an advisor etc, and learn everything you need to know about finance. On a tiny fraction of your income. I was able to save 5,000$ in a year making 50k in CA. That blows my min. How are people making this much and struggle with a plan 😭

[@SteveYoung49]

Definitely should do a caleb hammer collab that would be fun.

[@Blittsplitt5]

absolutely not

[@illbarcz]

Love this series

[@154hsj]

Do you recommend converting 401k to roth at age mid 30s?

[@dwalker5175]

Keep making them. Very instructive

[@TylerJaeMoyer]

Great video! Keep up the good work

[@frameofmind8800]

@humphrey profile 2 couple the way you presented the data is wrong; if their home equity is shown that means the debt is included so the house debts show not been show, if you show the debt you show the total assets of the houses value. As you show its $611k net worth but their net worth is actually $2.9M. The amazon Backdoor is only up to 10% of salary. Net worth (equity) = assets less debt also did show personal property for the car loan. The houses asset value is $3.55m

[@omarh.4320]

I noticed that too, another error (on their part) was including the unvested stock, so in actuality their net worth is $2.65 million. Still great though!

[@KeepCalmNCodeOn]

I don't get what you're saying. Home Equity = Home Value - Home Debt. Humphrey shows the debt and the equity separately, which is accurate AFAIK. Thus you can infer the value of the home by adding the two together.

[@omarh.4320]

@@frameofmind8800 His grammar isn't great, but I think the point he's trying to make is the way the data is presented is confusing. Since Humphrey is showing the equity of both homes, the mortgages should be completely removed from the liability section since they were already used to find the equity. The way the information is presented currently makes it appear as though the couple's net worth is only $611K, when it should be around $2.65M (excluding the unvested stock). Another way Humphrey could've presented the data would have been to list the home value of each house in the asset section, while keeping the mortgage amount in the liability section. That would have been the easiest way.

[@frameofmind8800]

@@omarh.4320 man you got me correct. Thanks

[@toulor3403]

Just the tips for the 3rd couple....worth. and the link.

[@Jakkaribik1]

Second Couple got that Free Pass to Wealth still much better than being born into a Wealthy Family and never work and only Consume from others.

[@Jakkaribik1]

Crazy they earn in one Year like another couple earns in 10 years

[@christinap7287]

I love the way you explain and educate us layman people. I learn so much about finance and investing from you. Could you please make a video on backdoor ROTH IRA? I'm 54 years old with $900,000 in a Traditional IRA. I am currently unemployed (laid off from my job). Would it be beneficial to convert my Traditional IRA to a ROTH IRA?

[@KevinHarlow-r5r]

Most people today have been having a lot of failures in forex and crypto because of poor orientation and bad experts.

[@SophieNorms-b5r]

It's wise to seek professional guidance when building a strong financial portfolio due to its complexity.

[@RuthShaw-w5m]

I usually go with registered representatives. Gannon Harvey has the best performance history (in my opinion) and does offer 1v1 consultation to he’s capitalists which I think is amazing.

[@JamesWilliams-d2q]

Wow.... he has really made good name for himself, he's also my account manager

[@francisser96]

Great series!

[@AlexandraAnnette]

I love this series!

[@thejoshman1234]

I love these videos!

[@Vivienedouglass]

What are the best strategies to protect my portfolio? I've heard that a downturn will devastate the financial market, so I'm concerned about my $200k stock portfolio. ...

[@Donald-George]

There are strategies that could be put in place for solid gains regardless of economy situation, but such execution is usually carried out by an investment specialist '''

[@rachelonigirl]

A lot of folks downplay the role of advisors until being burnt by their own emotions. I remember couple summers back, after my lengthy divorce, I needed a good boost to help my business stay afloat, hence I researched for licensed advisors and came across someone of utmost qualifications. She's helped grow my reserve notwithstanding inflation, from $275k to $850k....

[@AmithKaury]

Please can you leave the info of your lnvestment advsor here? I’m in dire need for 0ne.,,.

[@AmithKaury]

....Talking about advisors, do u consider anyone worthy of recommendations? I have about 100k to taste the water now that large cap stocks are at a discount... Thanks. ..

[@rachelonigirl]

SUNITA SUZANNE BYG is the licensed advisor I use. Just research the name. You'd find necessary details to work with a correspondence to set up an appointment. ,,,...

[@ExitSiign]

They could fund the kid’s college from one year of the guy’s bonus into that 529 plan. I think you’re allowed to gift tax average 5 years of contributions as a lump sum and I think 45-50k invested at a young age would be enough to pay for just about any school. 🧐

[@BroxsonDeighan]

I lost over $80k when everything started to tank. Not because I was in an exchange that went belly up. I was just stupid to hold and because that's what everyone said. I'm still responsible. It just taught me to be a better investor now that I understand more of what could go wrong. It took me over two years of being in the market, I'm really grateful I found one source to recover my money, at least $10k profits weekly. Thanks Charlotte Miller.

[@TaggeGust]

She is my family's personal broker and also a personal broker in many families I'm United States, she's a licensed broker and a FINRA AGENT in United states

[@stephaniebeddis8069]

The very first time we tried, we invested $1000 and after a week, we received $5500. That really helped us a lot to pay up our bills.

[@jahhflies]

I'm surprised that you just mentioned and recommended Charlotte Miller, I met her at a conference in 2018 and we have been working together ever since.

[@fameswap-dq5eo]

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

[@chaz4610]

I just withdrew my profits a week ago, To be honest it was an amazing feeling when the profits hits my wallet I wish I could reinvest but, too much bills

[@smileygeni]

The second couple makes a ton, but has only a $300k net worth which is very low for that high income in mid 30s in Bay Area.

[@humphrey]

you could count their real estate in their net worth

[@KaranGoswamikenz]

I agree. I’m sitting at 2.2M nw in Bay Area. These two have a lot of debt. Their net worth is really low

[@KaranGoswamikenz]

I also wouldn’t count unvested stock in net worth calculations

[@frameofmind8800]

@@humphreyrelook at your fin stmt for couple 2 it’s wrong

[@ankitait2]

Not exactly, their networth is around 3 or so million. They owe 2.6 million, but their houses are probably worth that much or higher. So their equity in houses is net positive.

[@luisoncpp]

I don't think unvested stocks should be considered part of the portfolio. They cannot be sold nor exchanged, they are taxed at the vesting moment(even the IRS knows it's not owned when unvested), and the worker needs to keep working to be vested (they even can be fired and lose it), so it's a future compensation, not a present asset

[@moisescastillo9684]

Love these videos!!

[@ZoomRyder]

Did he investment grandmas inheritance into Intel? 😂

[@glasshi]

I have voo in my roth ira would it be smart to also have it in like robinhood in just a regular brokerage account or would it be to much

[@xaviertorres6301]

Also Humphrey, how could we possibly enter our portfolio for a chance to be roasted alive??

[@WEABRNC]

Great content!!

[@pjdengler0]

Big fan of this series! What percent of ex-us do you recommend? I currently I have 20% in my 401k and 25% in my Roth IRA at 25 y/o. I recently opened a brokerage where I was planning to go 100% VTI but was also considering some ex-us as well

[@AXJ23]

People that sat on 4-5 % really missed out. S&P500 is up over 17% ytd. Not to mention last year was over 20%. Financial illiteracy.

[@keystonekabes]

Amazon has a great 401k though the match is low. The Amazon couple would do better switching from the target date to the SP500 fund since the fees are 1/3 of the target date fund. Amazon also has a brokerage option in their 401k so individual equities can be purchased. Also I used the after tax option the 401k to put extra money beyond contribution limits in my Roth IRA as Amazon allows for in service distributions.

[@jakedillon9554]

loovvee these videos

[@Bleideris0]

What are your thoughts on accumulatative vs divident type of investment?

[@randygood651]

Why do the couple making almost 400k plus runs have a 52k auto loan?

[@Ellesar925]

There must be some selection effect going on here, but if my memory of the three parter is correct, the most important financial takeaway seems to be: get married!

[@nodsib]

For the second couple, while I’m with Humphrey that I totally believe Amazon will still be around in 15 or 20 years, there’s no guarantee that it won’t just be a “digital Sears” and be stagnant or declining sales while competition are doing the next thing people want at that time. I’d definitely not want more than 10% of my holdings to be in one company, even if it’s a company I like and work for.

[@jhonnyrestrepo6780]

Hi Humphrey. I have $109k invested in the VOO etf. How “healthy” is this investment? Do you think that I should diversify on bonds or something else? Thanks

[@jackwillison177]

I've just begun learning about value investing, and I've found that many good stocks are undervalued despite their intrinsic value. If you had $200,000 to create a strong investment portfolio, which stocks would you choose?

[@vivianlucy141]

I think a good investment portfolio should have three basic things: ETFs for diversification, dividend stocks for cash flow, and leading tech stocks. With your budget, it's a good idea to talk to a fiduciary financial advisor for expert advice.

[@AndreaRoberto-wm3th]

I agree with you. As an early investor in NVDA, AVGO, ANSS, and LRCX, my financial advisor's advice was incredibly helpful. Over the past 7 years, she has helped me find stocks that did 10x multiple times. With her help, I've grown my portfolio to over a million dollars.

[@Williamjame444]

Impressive gains! how can I get your advisor please, if you don't mind me asking? I could really use a help as of now

[@AndreaRoberto-wm3th]

Melissa Elise Robinson 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.

[@Williamjame444]

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.

[@Kenneth23414]

Every crash/collapse brings with it an equivalent market chance if you are early informed and equipped, I've seen folks amass up to $1m amid economy crisis, and even pull it off easily in favorable conditions. Unequivocally, the collapse is getting somebody somewhere rich.

[@Hudson367]

I do not disagree, there are strategies that could be put in place for solid gains regardless of economy or market condition, but such execution are usually carried out by investment experts with experience since the 08' crash

[@Thomas43211]

The issue is people have the "I want to do it myself mentality" but not equipped enough for a crash, hence get burnt. Ideally, advisors are reps for investing jobs, and at first-hand encounter, my portfolio has yielded over 300% since 2020 just after the pandemic to date.

[@Charles43217]

i'm blown away! mind sharing more info please? i am a young adult living in Miami where i've encountered several millionaires, and my goal is to become one as well

[@Thomas43211]

Aileen Gertrude Tippy 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.

[@Charles43217]

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

[@rishidhar6499]

You can withdraw from your last employers 401k's if you quit your job at 55 from that job so bit early than 59.5 and only from that employers 401k.

[@scottwalker4619]

Is it worth holding both VOO and VGT? Or is it better to go VOO and VUG for the diversification?

[@216Tom]

IMO pick voo or vti along with schd and maybe add some growth with qqqm vgt or vug. Dont listen to people that overreact to some overlap in the portfolio. Just my opinion.

[@bribradt3450]

Vug and vgt are both growth oriented with a lot of overlap. Either one is probably fine if you want to tilt your portfolio more towards growth, personally Id go with vug since it isn't limited to technology only

[@Random-ld6wg]

2nd couple has expenses per yr of 204K AFTER TAXES. so the FI target can't be 5.1M. it has to be larger. if they contribute to a taxable brokerage and tap it to fund their expenses at 50 y/o they will have lower taxes from ltcgs but what effective tax rate do you use to estimate their FI target is still unclear. also that is still 15 yrs away and so their expenses just indexed for inflation will grow quite a bit which will again increase the FI target. their expenses are just above top of 22% bracket and up to $ 201050, effective tax rate would be 17% so at least 246K income per yr in todays dollars is needed. so more like 6.15 M. since they are likely using lower ltcgs rate starting at 50 this may give you a number that is close enough. this is todays rates which are likely to change in 2026.

[@omarh.4320]

Good point, to be fair though, they're nearly halfway there with a current NW of around $2.65 million (excluding their unvested stock).

[@Random-ld6wg]

​@@omarh.4320i am sure they will get to their Fi target easily it is just calculating what that FI target is. the rental house is paying for itself but unless you cash out the equity by selling the house it wouldn't help with your living expenses in retirement. their primary home equity is even worse from a retirement cashflow standpoint. if they sold that home they still have to live somewhere else and use that money again which is why i never factored in my home equity in retirement planning.

[@chchanooo]

Can I get that portfolio breakdown template somewhere @humphrey? Ps: love these videos.

[@humphrey]

i just randomly made it in google sheets, I can just make a template for them somewhere but its not that sophisticaetd lol

[@nsfung10]

Was couple number two post tax numbers? I might of missed if it was mentioned.