Roasting My Subscribers’ Investment Portfolios *crazy*
We are back again for episode 4 of Roasting My Subscriber's Portfolios. This week we go over the investment portfolios of a profile in every single decade: teens, 20s, 30s, and 40s. We see some have model portfolios, and really are on track to retire early. Let me know what you thought.
Watch EPISODE 3:
Watch EPISODE 2:
Watch EPISODE 1:
Networthify Retirement Calc:
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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
0:25 – 40s Man with 6 Kids
6:49 – 22 Year Old Making 75k
12:04 – 33 Year Old Making 155k in San Diego
17:45 – 19 Year Old Making Good Money
What did you think of today’s profiles? #4 is especially killing it… and will #3 find a wife? Time will tell. If you’d like to submit yours, here’s the link to the Discord: https://discord.gg/xJzsaGaaDE
Can you provide the link for the retirement calc you used?
@humphrey roast my portfolio:
8 shares of Brk.B
#3 had the same field of work and age as someone I went out with in college haha but pretty sure they got married already. 😂
Hump’s too cool to do people dirty. These are my fave videos from you. Constructive criticism and props where they’re due.
you the man, hahaha i dont crap on people at all i know
What a person
lovveeeeee these videos you should make more
Trying to!
First guy has very low expenses for having 6 kids, impressive!
Right?
I’m calling bs on the first guy.
Yeah the zero debt on a 600k house is surprising
Could be given by a relative or inheritance.
Kids aren’t very expensive.
The most popular investment portfolio strategies include diversification, where you spread investments across different asset classes to manage risk. Another is the growth strategy, focused on capital appreciation through high-risk, high-reward assets. Income-oriented strategies target regular income from dividend stocks or bonds. Finally, there’s the value strategy, seeking undervalued assets for potential long-term gains.
According to Warren Buffett, dividends are less valuable for growing businesses and more suitable for established ones. Investing in companies that offer dividends might be seen as parking capital for steady returns, especially for those relying on portfolio income. This approach resembles bond investing, serving as a means of generating consistent earnings.
Given the market’s uncertainty, I rely on an investment advisor for my daily decisions. Their expertise in long and short strategies, coupled with risk management and exclusive analysis, ensures substantial returns. Amid the pandemic, I’ve gained over $1.5 million through subsequent investments, benefiting from their approach.
Many people minimise the importance of counsel until their own feelings become overwhelming. A few summers ago, following a protracted divorce, I needed a significant push to keep my firm solvent. I looked for licenced advisors and found someone with the highest qualifications. She has contributed to my reserve increasing from $275k to $850k despite inflation.
I will be happy getting assistance and glad to get the help of one, but just how can one spot a reputable one?
‘Rebecca Nassar Dunne’, a highly respected figure in her field. I suggest delving deeper into her credentials, as she possesses extensive experience and serves as a valuable resource for individuals seeking guidance in navigating the financial market.
I fall asleep every 30 seconds of this video and then get woken up by Humphrey’s voice inflection.
How do you afford a $600K house and feed your family (wife and 6 kids) on a $60K salary? Math ain’t mathin
Exactly. He either had a job in the past that paid way more, or his wife also had a great job previously or currently makes money somehow. Makes no sense lol.
Or he inherited everything lol
@@SkinnySkin-l5k also possible!
He said the house is paid off. Denver area has exploded in pricing over the years so it is possible he bought this house a long time ago and the home value went up significantly since then
Could have bought at the bottom of the market around 2008/9 and it’s gone up 4x.
How is the 19yr old making 75k working at a bank but joining the army? Wouldn’t making 75k at a bank require a 4yr college degree?
Agreed. I’m not sure how realistic many of these scenarios are. These portfolios do not speak to the average individual.
The first guy makes poverty wages for a family of 8 but has a 600k house and all that investment money. Makes zero sense.
Banks require no education loll
@@FearOvGod Who makes 75k at a bank without a degree?
@@pete5691 there are non-financial positions at banks. There are also non-degree financial positions. You only need a course to get a mortgage license for example.
Kudos to the 22 y.o. with the 35k portfolio. You got an amazing start man, keep it up and capitalize on it. You are doing a great job.
im 18 with about 20k invested whilst also having a car worth around that 20-25k mark. was great to see a younger profile in the mix for something i can relate too. Keep up the great videos mate
Having a 20k car is crazy sauce for an 18y/o lol back in hs it was all impalas and old corollas 😂
That’s a lot of % of your networth in a depreciating asset.. but you have time to correct it.
I have 3 portfolios…a 457b, Roth IRA, and a brokerage acct. The 457b and Roth consistently outperform my brokerage acct because those have the boring funds (S&P, Total market, Blue chip….etc) and my brokerage acct is loaded with individual stocks and ETF’s. I find it more exciting to mess around with the brokerage acct so, that’s where I mess around. Those other accts are much larger and will play a role in my retirement. The brokerage acct is my playground.
How does someone with 6 kids and a family income of 60,000 dollars a year with 40,000 in expenses, have a net worth of 962000 dollars?
80% equities 20% cash. I plan to take advantage of the current market situation as leading indicators predict a bullish S&P 500 by 2025, my only concern is how to properly allocate a large stock/bond portfolio for maximum potential returns.
I don’t see a problem fully invested into stocks as long as you know what you’re doing, whereas it’s best to consider advisory services
Agreed, investing with the help of an advisor did the trick for me in barely 5 years. I worked hard everyday as a teacher for 32 years and my salary was over 100k, enough to get me invested. I’m semi-retd today with nearly $1m, and only work 7.5 hours weekly.
how to put my money to work has been my daily thought, did my research and most suggestions pointed at the stock market, the thing is i’m an absolute noob at investing… mind sharing info of this professional guiding you please?
Katherine Nance Dietz is the licensed advisor I use. Just google the name and you’d find basic info. To be honest, I almost didn’t buy the idea of letting someone handle growing my finance, but so glad I did.
thanks for putting this out, curiously inputted Katherine Nance Dietz on the web, spotted her consulting page and was able to schedule a call session, she actually shows a great deal of expertise
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.
Diversifying with $VFIAX and $VTI is smart. It’s financial independence, not dependency, that truly empowers.
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.
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?
I have a female advisor named Camilla Marie Fuller. I recommend researching her. To be very honest, I’m glad I decided to let someone handle expanding my finances even though I almost didn’t think I should.
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.
I greatly enjoy this kind of topic in the video since it helps me reflect on my current investment/savings. Please keep doing more of this!
Thank you!
These peoples stories make no sense. At 19 you’re not making 75k at a bank lmao. First guy has suspiciously high wealth given his income of 60k and 6 kids with a stay at home wife.
Gracias por el video, me beneficié todos los días con este video, este mes ya gané 55 mil dólares en ETF de cripto, de Bitcoin y en el mercado de valores. ¡Gracias desde el fondo de mi corazón💰📈💸
El pensamiento más sabio que ronda por la mente de todos hoy es invertir en diferentes flujos de ingresos que no dependan del gobierno, especialmente con la actual crisis económica en todo el mundo. Sigue siendo un buen momento para invertir en oro, plata y monedas digitales (BTC, ETH… ACCIÓN)
Las inversiones en criptomonedas pagan un mayor porcentaje de rentabilidad que cualquier otra inversión. Principalmente los ETF de Bitcoin, que la mayoría pagan cada semana y tienen una rentabilidad media saludable.
Sí, tienes toda la razón. Obtuve una ganancia neta de aproximadamente 55 millones de pesos en pocos meses, comencé con 3 millones invirtiendo en…. Bitcoin, ETF y alguna que otra moneda meme 🪙.
¿Cómo hiciste esto por favor? Soy nuevo en invertir en criptomonedas, ¿pueden guiarme sobre cómo hacer esto?
Es recomendable buscar orientación profesional a la hora de crear una cartera financiera sólida debido a su complejidad.
Please please do more of these videos I love them!!
My portfolio for the past 30 years has always been self managed and I own 3 shares of Berkshire Hathaway Class A stock (BRK:A) which I bought in at about $17,000 during the mid 90s, I’m currently liquidating some of these positions to incoporate new Gen. Stocks, any good stock recommendation on great performing stocks will be appreciated.
the strategies are quite rigorous for the regular-Joe. As a matter of fact, they are mostly successfully carried out by pros who have had a great deal of skillset/knowledge to pull such trades off.
True. Having the right financial planner is invaluable. My portfolio is well-matched for every season of the market and recently hit 90% rise from early last year. I and my CFP are working on a 7 figure ballpark goal, though this could take till Q3 2024.
Please can you leave the info of your lnvestment advsor here? I’m in dire need for one.
Credits goes to “Lucinda Margaret Crist” one of the finest portfolio managers in the field. She’s widely recognized; you should take a look at her work.
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.
I Hit 110k today. Thank you for all the knowledge and nuggets you had thrown my way over the last months. Started last month. Financial education is indeed required for more than 70% of the society in the country as very few are literate on the subject. thanks to Kimberly Doran for helping me achieve this.
I’m surprised that you just mentioned and recommended Kimberly Doran, I met her at a conference in 2018 and we have been working together ever since.
The very first time we tried, we invested $2000 and after a week, we received $9500. That really helped us a lot to pay up our bills.
You trade with Kimberly Doran too? Wow that woman has been a blessing to me and my family.
I’m new at this, please how can I reach her?
I remain eternally grateful to Kimberly Doran for her efforts that got me to this point, finally payed off my mortgage and all my debts, what more could I’ve asked for. She changed my life.