Roasting My Subscribers’ Investment Portfolios *insane*

We are back again for part 3 of Roasting My Subscriber's Portfolios. This week we go over the investment portfolios of a mid 20s woman studying for her CPA exam who has kept cash (literally) under her mattress, a SF power couple with a ridiculously large income and $500K+ in one stock and a late 20s couple from Minnesota.
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WHO AM I?
Hello 👋 I’m Humphrey, I used to be a financial advisor, worked in gaming/tech, and started my own eCommerce business. I make practical, rational content on investing, personal finance, the news, and much more with a data-backed approach. My goal is to help you with financial literacy and creating wealth.
PS: I am no longer a current Financial Advisor, any investment commentary are my opinions only. Some of the links in this description are affiliate links that I do receive a commission for & they help support the channel!
⏱️ Timestamps:
0:00 - Start Here
0:34 - Profile #1: Mid 20s Woman in SD
6:26 - Profile #2: 30s Couple in SF
13:36 - Profile #3: 29Y Couple in MN

[@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/humphrey

[@Wilkinss]

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

[@agathacolleen]

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.

[@ArashHildeman]

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.

[@jadewashington7]

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

[@mikesnoek]

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.

[@aarizphilip]

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

[@lapetiteblonde]

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

[@Cynthia-mm1cv]

My portfolio doesn’t just cater to dividend stocks. I hold $VFIAX (S&P 500 index fund) in my Roth IRA and $VTI (Total Stock Market ETF) in my taxable brokerage account. Two of my largest holdings. The individual dividend stock positions all complement the index holdings.

[@VanChuong-on2gh]

I think the safest strategy is to diversify investments. Like spreading investments across different asset classes, like bonds, real estate, and international stocks, they can reduce the impact of a market meltdown

[@RolandWingo]

If you lack market knowledge, your best bet is to seek advice or support from a consultant or investing coach. Contacting a consultant may sound simple, but it's how I've managed to stay afloat in the market and increase my portfolio to roughly 60% early this year. It is, in my opinion, the best way to get started in the industry right now.

[@TommyChong677]

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

[@RolandWingo]

''LUCIA ALICIA CRUZ'' 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.

[@TommyChong677]

I appreciate it. After searching her name online and reviewing her credentials, I'm quite impressed. I've contacted her as I could use all the help I can get. A call has been scheduled.

[@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.

[@traviswes7082]

Uncertainty... it took me 5 years to stop trying to predict what bout to happen in market based on charts studying, cause you never know. not having an Adviser (CFA) cost me 5 years of pain. I learnt the hard way but eventually did. Turned over 200k dividend, about 40% of my entire portfolio worth in one year.

[@instinctively_awesome8283]

I could really use the expertise of this advsors.

[@user-fn1kg6tx9l]

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??

[@user-fn1kg6tx9l]

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?"

[@user-fn1kg6tx9l]

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

[@dannyowen-k4y]

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.

[@emilyburton-h2l]

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. its important to seek the guidance of an expert

[@margie-b2v]

True, 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

[@NicoleWillams-d1q]

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

[@margie-b2v]

My CFA ’Monica Shawn Marti’ , 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.

[@NicoleWillams-d1q]

I searched for her full name online, found her page, and sent an email to schedule a meeting. Hopefully, she responds soon. Thank you.

[@BillAdamson-bp9ff]

I am at the beginning of my "investment journey" I plan to put 185K into dividend stocks so that I will be making up to 30% per year in dividend returns. Any advice for stocks that can outperform the S&P500 this 2024?

[@AstaKristjan]

I’m not well versed with the conditions of the marketplace, the avenue flow of transactions, not equipped enough with information. My best guess as to what outperforms the S&P is BRK or perhaps NVDA

[@RickMckee-nq4ni]

The issue is most folks have the “I want to do it myself mentality” but not skilled enough during crash, apparently they get burnt. Ideally, advisors are perfect reps for investing jobs and at first-hand experience, my portfolio has yielded over 350%, since the covid-outbreak to date, summing up nearly $1m.

[@Erinmills98]

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

[@RickMckee-nq4ni]

Kristin Amy Rose is the licensed advisor I use. Just google the name. You’d find necessary details. Tbh, I almost didn't buy the idea of letting someone handle growing my finance, but so glad I did.

[@Erinmills98]

Appreciate this recommendation, hopefully I can get some insight to where the market is headed and strategies to beat the downtrend with when I hear back from Kristin.

[@RuthEvelyn-rc3bg]

As an avid investor, I often mull over how accomplished investors are able to amass fortunes through their investment endeavors. Presently, I hold equity exceeding $545K from a recent home sale, yet I'm uncertain about my next investment move. Should I consider buying stocks at this time, or should I await another opportunity?

[@Sampson-jh7yq]

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.

[@FrankPatrick-no8zo]

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.

[@DennisJack-km8ho]

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?

[@FrankPatrick-no8zo]

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

[@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.

[@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.

[@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?

[@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?

[@voncile-y5s]

I think the safest strategy is to diversify investments. Like spreading investments across different asset classes, like bonds, real estate, and international stocks, they can reduce the impact of a market meltdown.

[@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.

[@shanisonia]

This is definitely considerable! think you could suggest any professional/advisors i can get on the phone with? I'm in dire need of proper portfolio allocation.

[@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.

[@shanisonia]

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

[@LynetteHuson]

I have an Investment portfolio that's worth $1million, I don't think that'll be enough for retirement. I need an average risk investment strategy in stocks that'll give me more yield.

[@StellaLodge]

As they say, time IN the market is better than trying to time the market. I think you should seek advice from a licensed financial advisor. They’ll give you guide on high risk and low risk investment strategies for your portfolio

[@Herbert-n2z]

Opting for an inves-tment advisr is currently the optimal approach for navigating the stock market, particularly for those nearing retirement. I've been consulting with a coach for a while, and my portfolio kept increasing by 10% monthly.

[@Osborn-y2m]

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

[@Shaine-d5t]

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

[@Olliethegolden]

GOF, pays out good dividends

[@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

[@cademyers7235]

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

[@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

[@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. ,,,...

[@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

[@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.

[@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.

[@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!

[@sahilpatel5298]

I LOVE THESE VIDEOS< KEEP EM COMIN HUMPHREY

[@humphrey]

your wish is my command, Sahil

[@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!

[@mart1n10601]

Love this series. Please do more!

[@erwinnation]

Love this content Humphrey thank you for doing this!

[@humphrey]

You are welcome!

[@politicscommentator]

Love these kinds of videos. Love to see more.

[@humphrey]

you got it

[@sw_nerd2187]

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

[@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.

[@gregwatkins1332]

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

[@dwalker5175]

Keep making them. Very instructive

[@shaheeddolchey]

I love these series keep doing them please!!!

[@humphrey]

of course!

[@sherlockrobin597]

Really enjoy these reviews, keep them up!

[@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.

[@702prodigy]

i really enjoy these videos thank you 🙏🏼

[@christineee444]

Loving this series so far!

[@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.

[@scottbatley1983]

This series is awesome. Please keep them coming.

[@moisescastillo9684]

Love these videos!!

[@AlexandraAnnette]

I love this series!

[@Dimantledpenguin99]

Love this man keep doing these

[@jasl_]

Love this series - please do more 😍

[@Olvera_emi]

I really like this series. Keep it up! 👍

[@TylerJaeMoyer]

Great video! Keep up the good work

[@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

[@garrettancel]

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

[@francisser96]

Great series!

[@r3vo_fastskin]

Good day sir, i think you can make a good discussion with the concern i have, last july 5 s&p 500 gained .5% and fxaix only gained .24%, that is a huge difference, i know that both have very minimal difference in holdings but with this more than half difference i am now confused where to put my lump sum money from CD next couple of weeks. I need your advice which one to choose,

[@WEABRNC]

Great content!!

[@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

[@154hsj]

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

[@patrickdengler1333]

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

[@Seelenverheizer]

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

[@illbarcz]

Love this series

[@CamOzone]

Your newsletter is fire🔥

[@AlexandraAnnette]

How do we submit our portfolio’s do mine!!

[@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.

[@thejoshman1234]

I love these videos!

[@Lawrence_McKnight]

Can you ask your subscribers to distinguish gross vs net income please. Because alot of people (including my friends watching your channel) are using them interchangeable and it get confusing. Does that person (couple) make $190k gross yet actually bringing home $130 to pay off their home, bills, retirement, and investing. Or is the $190k net taking care of bills, home, investment, and retirement? Thank you in advance

[@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?

[@josh99975]

Love these! How do I submit my portfolio to be roasted?!

[@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.

[@gatorhomie21]

What do you think about the High Yield ETF's? Like the YieldMax funds?

[@humphrey]

Honestly I dont know much about them, sorry I cant give you an opinion. Just make sure to research it heavily and be comfortable with any risk etc.

[@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

[@christopherchan5553]

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

[@toulor3403]

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

[@Chucking-Videos]

Good series

[@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

[@DiegoM_Gomes]

What are the most effective methods to safeguard my portfolio? I've heard that a market decline could severely impact financial assets, and I'm worried about my $200,000 stock portfolio.

[@Amy_Hunter-u6p]

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

[@TimothyBoyd-i3x]

I've been in touch with a financial analyst ever since I started investing. Knowing today's culture The challenge is knowing when to purchase or sell when investing in trending stocks, which is pretty simple. On my portfolio, which has grown over $900k in a little over a year, my adviser chooses entry and exit orders.

[@DanielleGarner-o]

@@TimothyBoyd-i3x How can I participate in this? I sincerely aspire to establish a secure financlal future and am eager to participate. Who is the driving force behind your success?

[@TimothyBoyd-i3x]

Jennifer Lea Jenson 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..

[@GabrielDias-f2f]

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.

[@SteveYoung49]

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

[@Blittsplitt5]

absolutely not

[@WesleyRodriguez-r1i]

I love this

[@nsfung10]

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

[@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).

[@cinnamontoastcrunch6395]

How do you max out your Roth IRA or 401k? Do you have to like go to the HR office in your company’s building? I’m 22 I’m so new to this lmao

[@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

[@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. 🧐

[@karankenZ]

Where can we submit our portfolio for this roast

[@randygood651]

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

[@underwatch1738]

How to submit mine portfolio

[@KaranGoswamikenz]

@humphrey 12:05 Does California have tax free 529? I don’t think do

[@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

[@michaelfisher2574]

What about Berkshire Hathaway A? $614k

[@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.

[@AlexandraAnnette]

Damn she has a lot saved! Good for her

[@jakedillon9554]

loovvee these videos

[@bananaman22]

would u be interested in numbers from someone not in the USA

[@excelsior_4294]

I don't think two people can't be first 🤣

[@humphrey]

hahaha true...

[@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!

[@GregRedd82]

How do ya get featured on this

[@beauHalpern]

*insane*

[@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.

[@kml.]

Profile 2 only has a combined net worth of $600k ($2.9m assets - $2.3m in debt)? What are they spending on? Food is free, commuting is free, tech employees don't buy clothes, where is the money going?

[@asxmonkeys2426]

Are you keen to look in to Australia portfolio? 😊

[@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.

[@xaviertorres6301]

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

[@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.

[@DisciplineNation1]

How can submit my portfolio to you?

[@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.

[@jacoblajeunesse2047]

QUESTION: how do I work at Amazon