1. education for yourself 2. plane ticket for solo travel 3. index funds in roth ira for compound interest 4. getting coffee with others to network and learn 5. buy a car that’s 3-4 years old to maximize on the depreciation 6. buy a quality mattress, we sleep a lot 7. real estate for long term appreciation and cash flow 8. gym membership, make it a habit
I bought a foreclosed home at 23 for $35k outside of Cleveland. I put roughly $15k into it fixing it up over 7 years of living there. I paid it off and sold it for $124,900. Put down 39.5% on my forever home. Don’t think I’ll ever get that lucky again.
@@darvynm541 mostly paid people. I did the floors in my kitchen and my dining room with my girlfriend and her father (now wife and father in law), and then I did new drywall in an entire room with a buddy and that’s it. Painted too I guess. But I’m not overly handy and I worked a lot of hours at the time so I didn’t have much time to learn.
@@jpain97_ I bought the house in October of 2013. I sold it in may of 2020. So not quite 7 years I lived there. Probably could have gotten more for it right now but I got a good deal on my current home I bought so it all worked out.
My husband and I are both in our mid-20s, and between us, or with both of us, we've done all of these things. Makes me feel like we're on a much better path for our future!
I’d add professional clothing and a hobby. One of the most expensive purchases one can accrue is formal clothing at a premium because you were rushed. Or renting something you should already own. Just living life like you’re going through the paces is a great way to experience burnout in all walks of life. Picking up something you can do that you enjoy and isn’t as expensive and time consuming as travel will keep your happiness, and therefore productivity up. This is also great for people who find it hard to sleep at night, a hobby will sap the rest of the energy you have every day out of you. Better yet consider living or working near a place where you can do your preferred hobby. My workplace is near a golf course I enjoy, I’m an hour and a half drive from four ski resorts, and a three hour drive to the beach. All things I could get to within a day of driving if I really really wanted to.
I’ve done every single thing you’ve mentioned.. closed on the property this month itself which was the last piece left!! Great Knowledge! Thanks for sharing! I’m still 24 long way to go..
Retired with a 7 figure portfolio and Receiving about $43k in dividends. I have been in the Stock market about 20 years. Am I worried? Am I selling? Absolutely not. I have purchased growth stocks too a little at a time over the past few weeks. I am going to sit back and observe how this all plays out, adding more at a time. my investment strategy with my FA actually calms me down. Eye on the prize, stay the course!
I wasn't expecting that the mattress was gonna make the list but after also having gone from sleeping in a couch to a good bed made me realize just how important of a purchase this one is. It's a no brainer
You got my like with that BMW blinker joke. Good advice! With me being 21, Channels like yours are big part of a younger generations foundation to better finances. Keep the videos coming!
About the mattress purchasing, I've been in the industry for 4 years. Best advice for anyone reading is to not cheap out like he says, but also don't overpay for companies that have the same make as smaller ones. That extra thousand may just be going into advertising and name brand just like clothes. Theres a threshold.
Yep have to agree, spent 3k on a purple mattress and while its nice, I think I could have gotten a decent one from another brand for 2k for basically the same thing.
@@mdel310 Absolutely, but there's security in the reputation. As long as you took your time finding what you like, it wasn't a waste. I have people every day that press their fists into mattresses to "test" how they feel, then spend 3k and hate it. My joke is that I've never known so many people that sleep 10+ years on their hands!
My biggest financial advice I can give anyone is their 20s is that you should never live above your means/wage. If you want something, budget/save for it. If you have clothes, keep wearing and don't always buy new clothes. That same $40 you spent on BBC shirt could buy a fraction of apple stock that in long run will be worth more than a piece of cloth/fashion. Edit: as context, I am a first generation college student from a humble family who all work factory jobs day in and day out. I know times get hard when money is tight but believe that you can do it! I believe in you and so do your friends. Don't be afraid to ask for help where needed and always be respectful and kind. I graduated with ZERO student loans, a paid off car that gets me to point A to point B and have a nice paying job. Best of luck to those in their 20s as this is the time in your life where you experience what life is really about and the actions you take alter the course of your future for better/worse.
I’m checking out that podcast episode on how to get rich now. I listened to the richest man in Babylon like 10 times also, it’s a book based on money principles. It really changed my life honestly. It’s an incredible book on money.
This is such a great video! I love how you didn't hate on a lot of the things other finance youtubers usually do, like education, travel, coffee shops.
Cars were the biggest mistakes I made in my 20-40s.....bought too many. Always wanted to have reliable transportation and ditched cars too soon. Next biggest mistake was making too many changes in investments (getting in and out of funds when I should have stayed put).
great list! thank you for sharing! i just turned 20 a few months ago, and this is helpful!! i found you on tiktok, and just signed up for a roth IRA and i'm so excited to keep learning from you!
I hope you read this. You have been one of the most consistent finance creators that I have seen, thank you for all the quality information! I have a very similar story to you, I hope to see you hit 10 million one day!
A NICE VIDEO, EVERYONE OlNEED MORE THAN THEIR INCOME TO BE FINANCIALLY SECURED.THE BEST THING TO DO YOUR MONEY IS TOINVEST IT BECAUSE MONEY LEFT IN THE BANK ALWAYS END UP BEEN IN ONE WAY OR THE OTHER WITH NO RETURN.I USED TO BE A VICTIM OF SUCH,NOT ANYMORE.I INVENTED AND MAKE STEADY PROFIT.
The pandemic has taught everyone the importance of having multiple streams of income,unfortunately having a nice paying job don't mean you are financially free if secured.
with the consistent weekly profits I'm getting from my investment with Brenda Adams,I have no doubt I am really financially free and safe,she is the most reliable in the market now.
investments is that tiny line that separates the rich and the poor.the words from other.i can proudly say I am a wise woman to because I can provide for my family through my investments.
Ever since I stop working with my former employers,I have been surviving through my investment with Brenda Adams,am so glad I invested when I did,months ago I was able to raise money to strat up my own firm.
Brenda Adams,got you covered you don't have any needs to worry is to much.just to contact and all your worries are over your investment is safe with her.
I would also put in diet bc that sets the tone for the rest of your life. Plus having a good diet in your 20s will help avoid expensive medical bills later on.
Thanks for the video! Just turned 24, started to learn about finance last year. I already solo travel, got the Amex platinum and hotel cards and Apple Card for cashback. Never spent beyond means and never paid interest. Already maxed out Roth IRA for 2022 and 2023 in Wealthfront!
Travel yesssss! You haven't lived until you've moved to Paris for a summer and definitely didn't bring enough money and have to sustain yourself off of only baguettes.
I began my investment journey at the age of 38, primarily through hard work and dedication. Now at the age of 42, I am thrilled to share that my passive income exceeded $100k in a single month for the first time. This success reinforces the importance of the advice mentioned earlier. It is not about achieving quick wealth, but rather ensuring long-term financial prosperity
Investors should exercise caution with their exposure and exercise caution when considering new investments, particularly during periods of inflation. It is advisable to seek guidance from a professional or trusted advisor in order to navigate this recession and achieve potential high yields.
This is superb! Information, as a noob it gets quite difficult to handle all of this and staying informed is a major cause, how do you go about this are you a pro investor?
Through closely monitoring the performance of my portfolio, I have witnessed a remarkable growth of $483k in just the past two quarters. This experience has shed light on why experienced traders are able to generate substantial returns even in lesser-known markets. It is safe to say that this bold decision has been one of the most impactful choices I have made recently.
I've been watching your videos for some time now, I appreciate all of your work and knowledge but could you make another version for this video? You're talking about IRA and these things but I live in Brazil and we don't have such things in here. You may be wondering why I'm not searching for a brazilian youtuber on these topics, the answer is simple, your method of explanation is so much better in comparison to them and I would really love seeing you talking about Brazil
@@astrofish6163 Timing the market isn't something you can rely on, but if it works you do profit massively. Never rely on your ability to do so tho, because it's not something anyone has the power to know for sure.
@@benheinz8817 I was saying it's better than going at the begining of end of the year. Of course, nobody can time the price pressures of millions of investors and institutions.
Thanks for all the wonderful content, Humphrey. I was wondering if you could do a video about sustainability / ESG funds, and your thoughts on them in general? :)
Me, a regular student that's making decent education a foundation for my future who lives in a third world country who can barely afford any of the stuff you said:🙂 yep, after hearing#1, I am not that far from my dreams.
Btw humphrey, any advice for a student like me? I want to boost my income right after graduating, while earning my master's degree. Is there any way you think I'll be able to do it?
Yes, since you're a student, continue being a student and further define what "boosting your income" looks like. Does that mean getting a certain skill for a certain job? A certain certification? What are the best jobs in your country that pay right out of college you can do? Start to think backwards from where you want to be.
@@humphrey thank you very much, I love your contents as you can see. I've started watching you when I caught your content about how credits work, and I am hooked. You're like a finance crash course professor every student needs!!
I remember I saw video by graham and he said some cars are already depreciated enough and you can basically drive it for free and it retains its value or goes up in some cases, you can the. decide to sell it :)) of course this doesn’t cover gas and insurance and other maintenance
Theres a thing i saw is "a smart man learns from his mistakes, a wise man learns from others mistakes" i got a roth ira from when i was 16 im 19 now and i got 21k in that and like 12k in a regular investment 4k of 3-4 months of my expenses 1000 in cash hidden for emergencies and no debt...i work as a water treatment tech under a plumbing company and ima probably make like 40k and this is my first year straight out of highschool...so my goal is to a millionaire by 35...my takeaway for young people like me is to appreciate what you got...take a look at your vehicle, phone, house/apartment just stuff like that and be humble
Gym membership is the only thing i can disagree with here. They're absolutely insane for how expensive they are. Buying weights to use at home is my way to go.
I'm 17, my parents have never talked to me about how money works nor have i been taught about it when i was in school. Nothing is making sense to me LOL, i literally don't even understand what investing means, how it works and everything else you talked about :(
I agree on the mattress! Went into ashley and the first mattress they set me on was a 10k king size tempurpedic😂 i asked if they had a more affordable mattress and the next one was a 3k tempurpedic. Might not be the best mattress available but i enjoy sleeping so much more
Awesome content! For your viewers outside the USA and Uk could you give some tips and guides? Highlight global opportunities and maybe review inversement applications in other countries. Eg in Nigeria we have Piggvest and Bamboo
I bought a $2,000+ mattress and although I'm sure I could have found the same quality for cheaper, I looove it. It makes absolutely no noise when compressing/decompressing and is soft as heck but sturdy enough that I don't get swallowed lol. Also comes with some hydraulics so that bumps the price up a bit. I wish you well and hope you one day upgrade to the mattress you deserve!
MONEY MANAGEMENT DONT MATTER IF YOU AINT MAKING MONEY! I aint tryin to make only 1 mill at 65, Like imma live that long anyway. I wanna do jumping jacks on a Yatch, can i do that at 65?
I live in London where public transport is not maybe the best but it is okay so I think it is a good thing so I do not need to spend money on a car? I mean technically I can get a car but why
Check out my free newsletter: 🐪 Hump Days Newsletter ➭ humpdays.substack.com
1. education for yourself
2. plane ticket for solo travel
3. index funds in roth ira for compound interest
4. getting coffee with others to network and learn
5. buy a car that’s 3-4 years old to maximize on the depreciation
6. buy a quality mattress, we sleep a lot
7. real estate for long term appreciation and cash flow
8. gym membership, make it a habit
Thanks! saved me some time
Got 1, 3, 8
You the man.
Lol "why is my view time only 5 seconds on average" meanwhile this guy saving everyone time.
The goat
Rope and whiskey
Real
💀
Yes
Vodka and a pistol
Def rn
I bought a foreclosed home at 23 for $35k outside of Cleveland. I put roughly $15k into it fixing it up over 7 years of living there. I paid it off and sold it for $124,900. Put down 39.5% on my forever home. Don’t think I’ll ever get that lucky again.
Did you pay people to fix it up or did you do it all yourself?
@@darvynm541 mostly paid people. I did the floors in my kitchen and my dining room with my girlfriend and her father (now wife and father in law), and then I did new drywall in an entire room with a buddy and that’s it. Painted too I guess. But I’m not overly handy and I worked a lot of hours at the time so I didn’t have much time to learn.
How long ago was that?
@@jpain97_ I bought the house in October of 2013. I sold it in may of 2020. So not quite 7 years I lived there. Probably could have gotten more for it right now but I got a good deal on my current home I bought so it all worked out.
My husband and I are both in our mid-20s, and between us, or with both of us, we've done all of these things. Makes me feel like we're on a much better path for our future!
I’d add professional clothing and a hobby.
One of the most expensive purchases one can accrue is formal clothing at a premium because you were rushed. Or renting something you should already own.
Just living life like you’re going through the paces is a great way to experience burnout in all walks of life. Picking up something you can do that you enjoy and isn’t as expensive and time consuming as travel will keep your happiness, and therefore productivity up. This is also great for people who find it hard to sleep at night, a hobby will sap the rest of the energy you have every day out of you. Better yet consider living or working near a place where you can do your preferred hobby. My workplace is near a golf course I enjoy, I’m an hour and a half drive from four ski resorts, and a three hour drive to the beach. All things I could get to within a day of driving if I really really wanted to.
I’ve done every single thing you’ve mentioned.. closed on the property this month itself which was the last piece left!! Great Knowledge! Thanks for sharing! I’m still 24 long way to go..
this gave me hope, i just turned 22
Best way to save money:
Don’t become an adult during a pandemic.
Retired with a 7 figure portfolio and Receiving about $43k in dividends. I have been in the Stock market about 20 years. Am I worried? Am I selling? Absolutely not. I have purchased growth stocks too a little at a time over the past few weeks. I am going to sit back and observe how this all plays out, adding more at a time. my investment strategy with my FA actually calms me down. Eye on the prize, stay the course!
total noob here, your FA if you don't mind can you link me ?
I wasn't expecting that the mattress was gonna make the list but after also having gone from sleeping in a couch to a good bed made me realize just how important of a purchase this one is. It's a no brainer
To add to the mattress point, spend good money on things that separate you from the ground!
Mattresses, tires, shoes, office chairs etc!
Very true!
This is such a great, comprehensive list! Would love to hear stories of your solo travels in a video one day Humphrey 😀
They were mostly lonely and heartbroken trips after a girl I was dating told me she didnt want to be with me anymore.
@@humphrey same thing happened to me also 😞 , thanks for sharing such information
@@Zohaib_Ashiq Let's talk now☝️☝️
You got my like with that BMW blinker joke. Good advice! With me being 21, Channels like yours are big part of a younger generations foundation to better finances. Keep the videos coming!
I appreciate that Sanjam
About the mattress purchasing, I've been in the industry for 4 years. Best advice for anyone reading is to not cheap out like he says, but also don't overpay for companies that have the same make as smaller ones. That extra thousand may just be going into advertising and name brand just like clothes. Theres a threshold.
thanks Justin!
Yep have to agree, spent 3k on a purple mattress and while its nice, I think I could have gotten a decent one from another brand for 2k for basically the same thing.
@@mdel310 Absolutely, but there's security in the reputation. As long as you took your time finding what you like, it wasn't a waste. I have people every day that press their fists into mattresses to "test" how they feel, then spend 3k and hate it. My joke is that I've never known so many people that sleep 10+ years on their hands!
Fun fact: You can back out of any car deal right up until that car leaves the lot. Even after you sign the docs.
wow good to know
As a former car saleswoman, this is absolutely true
Really? Can you elaborate more about how that’s possible if you already sign?
Great list, Humphrey-particularly appreciate the explanation of the 20-4-10 rule!
Glad it was helpful!
Let's talk now☝️☝️
My biggest financial advice I can give anyone is their 20s is that you should never live above your means/wage. If you want something, budget/save for it. If you have clothes, keep wearing and don't always buy new clothes. That same $40 you spent on BBC shirt could buy a fraction of apple stock that in long run will be worth more than a piece of cloth/fashion.
Edit: as context, I am a first generation college student from a humble family who all work factory jobs day in and day out. I know times get hard when money is tight but believe that you can do it! I believe in you and so do your friends. Don't be afraid to ask for help where needed and always be respectful and kind. I graduated with ZERO student loans, a paid off car that gets me to point A to point B and have a nice paying job. Best of luck to those in their 20s as this is the time in your life where you experience what life is really about and the actions you take alter the course of your future for better/worse.
nah yolo memories worth more than money
Just found you today, subscribed! Started on working on my finances this year...I'm 26 now. Learned so much, thanks!
Let's talk now☝️☝️☝️
Great video. Instead of a plane ticket, I moved to another country in my 20’s, but everything is still applicable 😃
Sounds great, wow... from where to where did you move?
@@humphrey Dallas to Sweden 🇸🇪 very happy with my choice!
Buying a really cheap used car can go a long way in your 20s
Yes!
Or even better, a bike
Yes sir I about to sell my Infiniti and “upgrade” to my grandmas old 2004 Honda Accord 😩😩
@@kameronyi bro same I wanna turn in my 2020 Honda Civic and go buy a 2004 Honda Civic.
Absolutely. I have a 2005 toyota Prius. Paid 1500 for it. Put 2200 in repairs and has been my best purchase.
I’m checking out that podcast episode on how to get rich now. I listened to the richest man in Babylon like 10 times also, it’s a book based on money principles. It really changed my life honestly. It’s an incredible book on money.
Sorry about the bots, yes. Naval is A+!!!
@@humphrey wait so that’s a bot?
This is such a great video! I love how you didn't hate on a lot of the things other finance youtubers usually do, like education, travel, coffee shops.
This video is perfect because i just turned 22 and I've hit a mid life crisis because I haven't done anything really useful for my future.
Cars were the biggest mistakes I made in my 20-40s.....bought too many. Always wanted to have reliable transportation and ditched cars too soon. Next biggest mistake was making too many changes in investments (getting in and out of funds when I should have stayed put).
great list! thank you for sharing! i just turned 20 a few months ago, and this is helpful!! i found you on tiktok, and just signed up for a roth IRA and i'm so excited to keep learning from you!
Thanks for your advice im currently buying some ancient polish calvary armor
I hope you read this. You have been one of the most consistent finance creators that I have seen, thank you for all the quality information! I have a very similar story to you, I hope to see you hit 10 million one day!
Wow, thank you! I hope we all hit 10 mill one day!
A NICE VIDEO, EVERYONE OlNEED MORE THAN THEIR INCOME TO BE FINANCIALLY
SECURED.THE BEST THING TO DO YOUR MONEY IS TOINVEST IT BECAUSE MONEY LEFT IN THE BANK ALWAYS END UP BEEN IN ONE WAY OR THE OTHER WITH NO RETURN.I USED TO BE A VICTIM OF SUCH,NOT ANYMORE.I INVENTED AND MAKE STEADY PROFIT.
The pandemic has taught everyone the importance of having multiple streams of income,unfortunately having a nice paying job don't mean you are financially free if secured.
with the consistent weekly profits I'm getting from my investment with Brenda Adams,I have no doubt I am really financially free and safe,she is the most reliable in the market now.
investments is that tiny line that separates the rich and the poor.the words from other.i can proudly say I am a wise woman to because I can provide for my family through my investments.
Ever since I stop working with my former employers,I have been surviving through my investment with Brenda Adams,am so glad I invested when I did,months ago I was able to raise money to strat up my own firm.
Brenda Adams,got you covered you don't have any needs to worry is to much.just to contact and all your worries are over your investment is safe with her.
Wish I saw this 10 years ago, but better late than never. Great video. Stay blessed!
No worries!
Same! I'm 28 now and started learning about finance and money about 1 year ago
I would also put in diet bc that sets the tone for the rest of your life. Plus having a good diet in your 20s will help avoid expensive medical bills later on.
short term (under a year) capital gains tax is 30 %
Thanks for the video! Just turned 24, started to learn about finance last year. I already solo travel, got the Amex platinum and hotel cards and Apple Card for cashback. Never spent beyond means and never paid interest. Already maxed out Roth IRA for 2022 and 2023 in Wealthfront!
Lol, I am 23 and I am doing all of these. Although I have pretty much no social life, I am happy where I am going in life :)
I love the coffee idea, I've met a lot of great people at coffee shops
Travel yesssss! You haven't lived until you've moved to Paris for a summer and definitely didn't bring enough money and have to sustain yourself off of only baguettes.
I began my investment journey at the age of 38, primarily through hard work and dedication. Now at the age of 42, I am thrilled to share that my passive income exceeded $100k in a single month for the first time. This success reinforces the importance of the advice mentioned earlier. It is not about achieving quick wealth, but rather ensuring long-term financial prosperity
Investors should exercise caution with their exposure and exercise caution when considering new investments, particularly during periods of inflation. It is advisable to seek guidance from a professional or trusted advisor in order to navigate this recession and achieve potential high yields.
This is superb! Information, as a noob it gets quite difficult to handle all of this and staying informed is a major cause, how do you go about this are you a pro investor?
Through closely monitoring the performance of my portfolio, I have witnessed a remarkable growth of $483k in just the past two quarters. This experience has shed light on why experienced traders are able to generate substantial returns even in lesser-known markets. It is safe to say that this bold decision has been one of the most impactful choices I have made recently.
Wow, that’s stirring! Do you mind connecting me to your advisor please. I desperately need one to diversified my portfolio.
I’ve actually been looking into advisors lately, the news I’ve been seeing in the market hasn’t been so encouraging. who’s the person guiding you?
I've been watching your videos for some time now, I appreciate all of your work and knowledge but could you make another version for this video? You're talking about IRA and these things but I live in Brazil and we don't have such things in here. You may be wondering why I'm not searching for a brazilian youtuber on these topics, the answer is simple, your method of explanation is so much better in comparison to them and I would really love seeing you talking about Brazil
Cars are not a depreciating asset they’re not an asset period. They’re a liability
Great vid brotha, about to enter my 20's couldn't be more excited!
Thoughts on Contributing $6,000 in my Roth at the beginning of every year vs. $500 a month? Mainly going into Index Funds
Dollar cost averaging, it's probably better unless you predict a crash and max out in the dip.
@@astrofish6163 Timing the market isn't something you can rely on, but if it works you do profit massively. Never rely on your ability to do so tho, because it's not something anyone has the power to know for sure.
@@benheinz8817 I was saying it's better than going at the begining of end of the year. Of course, nobody can time the price pressures of millions of investors and institutions.
I got a Roth through fidelity, and I have an automated withdraw from my paycheck it invests in S&P500
6:14 - coffee, tea, lunch, etc
Is the “S&P 500” that everyone talks about the same thing as the “Vanguard S&P 500 ETF”?
Yes for the most part
Great perspective, especially the education one!
Thanks for all the wonderful content, Humphrey. I was wondering if you could do a video about sustainability / ESG funds, and your thoughts on them in general? :)
The vast majority of them are just super concentrated tech funds. It is a marketing scam. Furthermore Altria pays 8%
Me, a regular student that's making decent education a foundation for my future who lives in a third world country who can barely afford any of the stuff you said:🙂 yep, after hearing#1, I am not that far from my dreams.
Btw humphrey, any advice for a student like me? I want to boost my income right after graduating, while earning my master's degree. Is there any way you think I'll be able to do it?
I found your tips on tiktok, and immediately find your yt channel, thanks! Learned a lot so far.
Yes, since you're a student, continue being a student and further define what "boosting your income" looks like. Does that mean getting a certain skill for a certain job? A certain certification? What are the best jobs in your country that pay right out of college you can do? Start to think backwards from where you want to be.
@@humphrey thank you very much, I love your contents as you can see. I've started watching you when I caught your content about how credits work, and I am hooked. You're like a finance crash course professor every student needs!!
best advice for transportation... BUY A TOYOTA
Let's talk now☝️☝️☝️
25 years old. Bought a 2008 BMW for $5350 in 2018. Actually worth almost $6000 because of the car shortage now 😆
Let's talk now☝️☝️☝️
Lol same! 25, bought a 2008 335XI in 2018! Paid $5,500 and am still loving it
I remember I saw video by graham and he said some cars are already depreciated enough and you can basically drive it for free and it retains its value or goes up in some cases, you can the. decide to sell it :)) of course this doesn’t cover gas and insurance and other maintenance
I hope the timestamps in the description aren't going away!
Also, sick graphics in this one 💪
Oooo i forgot the timestamps today
Let's talk now☝️☝️
Lol my friends actually appreciate good design and not value. They love my cr-z and it cost me 4500. Got it for myself though, no one else.
Titan (Holo) Sticker - Katowice 2014
Theres a thing i saw is "a smart man learns from his mistakes, a wise man learns from others mistakes" i got a roth ira from when i was 16 im 19 now and i got 21k in that and like 12k in a regular investment 4k of 3-4 months of my expenses 1000 in cash hidden for emergencies and no debt...i work as a water treatment tech under a plumbing company and ima probably make like 40k and this is my first year straight out of highschool...so my goal is to a millionaire by 35...my takeaway for young people like me is to appreciate what you got...take a look at your vehicle, phone, house/apartment just stuff like that and be humble
Great video! You're missing a chapter annotation for "Coffee" at 6:13 though
That BMW joke was accurate. 😂
Gym membership is the only thing i can disagree with here. They're absolutely insane for how expensive they are. Buying weights to use at home is my way to go.
Glad I started my roth when I was 18
Let's talk now☝️☝️☝️
Great video Humphrey! Thanks as always
My pleasure!
Let's talk now☝️☝️
Really found this informative thank you!
I'm 17, my parents have never talked to me about how money works nor have i been taught about it when i was in school. Nothing is making sense to me LOL, i literally don't even understand what investing means, how it works and everything else you talked about :(
One of my coworkers just got an apt instead of a car.... He was living with his parents who knows maybe he is just saving upb
A 3-4 years old car costs just as much as a new one, or maybe a bit less, so yeah that the kind of world we live in
Is Roth Ira only american?
Let's talk now☝️☝️☝️
"The best part is no Part. And the best purchase is no purchase. Unless it is a house on 2011, or Bitcoin any time before 2017"
-Elon Musk
Very good👍
Motivational thankyou!
Let's talk now☝️☝️☝️
You're content is deadly, at 8:50 I nearly died of laughter.
I agree on the mattress! Went into ashley and the first mattress they set me on was a 10k king size tempurpedic😂 i asked if they had a more affordable mattress and the next one was a 3k tempurpedic. Might not be the best mattress available but i enjoy sleeping so much more
Awesome content! For your viewers outside the USA and Uk could you give some tips and guides? Highlight global opportunities and maybe review inversement applications in other countries. Eg in Nigeria we have Piggvest and Bamboo
Sorry about the bots, thanks for the feedback I gotta incorporate more international content :(
@@humphrey Looking forward to it. Thank you.
I wonder how those thousand dollar mattresses feel. I love my $200 mattress from Costco lmao
I bought a $2,000+ mattress and although I'm sure I could have found the same quality for cheaper, I looove it. It makes absolutely no noise when compressing/decompressing and is soft as heck but sturdy enough that I don't get swallowed lol. Also comes with some hydraulics so that bumps the price up a bit. I wish you well and hope you one day upgrade to the mattress you deserve!
Dang, wish some of these financial gurus were Canadian
What’s the link to the podcast you referenced
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It was much helpful. Thanks for sharing Humphrey!
Glad to hear it!
Great video 📹 👍
Honestly a G shock watch is one of the best investments I've ever made. Swear the thing would survive infinity gauntlet.
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MONEY MANAGEMENT DONT MATTER IF YOU AINT MAKING MONEY!
I aint tryin to make only 1 mill at 65, Like imma live that long anyway. I wanna do jumping jacks on a Yatch, can i do that at 65?
Love this, thanks for the tips
You're so welcome Adrian, love that you comment on alot of my vids!
Buy a Honda or a Toyota car. They last forever.
Sorry about the bots, yes. Those cars last forever!
smart
@@RickMartinCZcams Let's talk now☝️☝️
With how few drivers use their turn signals, you'd think that there was a shortage of blinker fluid.
Can canadians buy roth IRAs? Or do you know of a similar thing in canada?
Man, this is just so wise! Thanks a lot!!
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I listen to Naval time to time to remind myself and refresh on my thinking. I get something new from that all the time, all of the time.
Sorry about the bots, yes. Naval is amazing.
Great video, also where did you get the back to the future pictures in the background. I love bttf and would love that in my room
a shop called "MONDO" back in the day
Any recommendations on a mattress ?
i personally have a tempurpedic but those are expensive :(
Could not agree more with your video , wish I knew this earlier
LMAO HE just shit on BMW owners mid video
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18000 USD on 200,000 USD property is 9% yield. ?????
Interest rate 7% on loan?????
Bruh!!!!!!
Used cars used to be the smart decision, but not post pandemic
I live in London where public transport is not maybe the best but it is okay so I think it is a good thing so I do not need to spend money on a car? I mean technically I can get a car but why
Yeah you are in the best spot then, dont get a car! Especially in Europe, I know its MUCH more expensive to own and operate one.
Buy stocks and cryptos and holding them forever. Compound interest is your friend in your 20’s.
Love your list!!
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So what I’m hearing is: a Nintendo Switch is not something I should buy
Is there an available Roth IRA investment in emerging market countries like the Philippines?
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I turn 27 in 40 days! and have only bought some stocks
Thats all good! As long as you're doing some!
Yo I have the same back to the future poster 😂
Goat Humphrey back at it 🐐
yeee ty
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This CZcams channel is underrated
You deserve the best brother 😇
Thank you so much OUalid, it will come :D
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nice summary!
Glad you liked it!
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we cant get breakfast with people? sadness
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This is all well and good, if you have the money to make money ... >.>