Roasting My Subscribers’ Investments
We are back again for episode 5 of Roasting My Subscriber's Investments. This week we go over 3 profiles, all very different. Enjoy!
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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!
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⏱️ Timestamps:
0:00 – Start Here
0:49 – Profile #1
7:19 – Profile #2
14:58 – Profile #3
Thank you for the Cdn example.
We should work to lighten the lead of mankind, devine ones and prepper on whatever come our way imagine if we did…would love to hear from your positive notes🤍🤍sᴇɴᴅ🤍🤍ᴍᴇ🤍🤍ᴀ🤍🤍ᴅɪʀᴇᴄᴛ🤍🤍ᴛᴇxᴛ🤍±𝟷𝟾𝟷𝟸𝟾𝟶𝟷𝟺𝟸𝟹𝟽🎉🎉
A video I would really like to see is how finance change with your household. I.e. i started watching finance YouTubers when I was single making 65k, now I’m married and we make 170k, and we have a baby on the way. How does having a spouse affect budgeting, investment rates, etc. what about a child?
I know that’s why we use the terms household income but that doesn’t always answer the questions. For example a 200k/yr household could mean a single bachelor making 200k/yr with a lot of disposable income. Or it could mean two spouses each making 100k/yr. Or it could mean a dual income household with 7 kids. I would like an in depth look on how budgeting and investments should change when getting married, combining income, and having children.
We should work to lighten the lead of mankind, devine ones and prepper on whatever come our way imagine if we did…would love to hear from your positive notes🤍🤍sᴇɴᴅ🤍🤍ᴍᴇ🤍🤍ᴀ🤍🤍ᴅɪʀᴇᴄᴛ🤍🤍ᴛᴇxᴛ🤍±𝟷𝟾𝟷𝟸𝟾𝟶𝟷𝟺𝟸𝟹𝟽🎉🎉
I mean, there are financial youtubers (like Ramit) out there who deals almost exclusively about couples finances, so you can watch them as well.
I personally like Humphrey, because he focuses more on individuals than couples.
You must be the nicest roaster to have ever lived
I an
Thank you Humphrey 💯💯
You bet
love this series! I see a little bit of my portfolio/strategy in each of these
We should work to lighten the lead of mankind, devine ones and prepper on whatever come our way imagine if we did…would love to hear from your positive notes🤍🤍sᴇɴᴅ🤍🤍ᴍᴇ🤍🤍ᴀ🤍🤍ᴅɪʀᴇᴄᴛ🤍🤍ᴛᴇxᴛ🤍±𝟷𝟾𝟷𝟸𝟾𝟶𝟷𝟺𝟸𝟹𝟽🎉🎉
Love this video. Can you make more of this? This helps me out too. Thanks!
I will try!
Key planning factor people forget. When you say wanting 80% of your pre-retirement income, don’t forget to subtract your current savings rate from your current income. For example, I save 30% towards retirement, and want 70% income after retirement, I don’t use 70% of my entire current income, but 70% of 70% current income (or 49% of my current income, because I’m not going to be saving 30% towards retirement when I’m retired. Further more, I’m not going to be raising 3 kids either, so retiring on 49% of my income will be more than enough (especially when I don’t count social security in my calculations).😂
We should work to lighten the lead of mankind, devine ones and prepper on whatever come our way imagine if we did…would love to hear from your positive notes🤍🤍sᴇɴᴅ🤍🤍ᴍᴇ🤍🤍ᴀ🤍🤍ᴅɪʀᴇᴄᴛ🤍🤍ᴛᴇxᴛ🤍±𝟷𝟾𝟷𝟸𝟾𝟶𝟷𝟺𝟸𝟹𝟽🎉🎉
I never count in any retirement benefits either, like pensions or SSN.
Thanks for watching all! Appreciate you.
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Enjoy these kinds of videos, seeing others’ numbers is inspiring😊🙏🏿👍🏿
We should work to lighten the lead of mankind, Devin ones and prepper on whatever come our way imagine if we did…would love to hear from your positive notes🤍🤍sᴇɴᴅ🤍🤍ᴍᴇ🤍🤍ᴀ🤍🤍ᴅɪʀᴇᴄᴛ🤍🤍ᴛᴇxᴛ🤍±𝟷𝟾𝟷𝟸𝟾𝟶𝟷𝟺𝟸𝟹𝟽🎉🎉
Love these videos. Thanks for tossing in a Canadian.
We should work to lighten the lead of mankind, Devin ones and prepper on whatever come our way imagine if we did…would love to hear from your positive notes🤍🤍sᴇɴᴅ🤍🤍ᴍᴇ🤍🤍ᴀ🤍🤍ᴅɪʀᴇᴄᴛ🤍🤍ᴛᴇxᴛ🤍±𝟷𝟾𝟷𝟸𝟾𝟶𝟷𝟺𝟸𝟹𝟽🎉🎉
The problem we have is because Most people always taught that ” you only need a good job to become rich ” . These billionaires are operating on a whole other playbook that many don’t even know exists.
Many people report success in investing in renewable energy but I’m yet to understand how it works. Can somebody help me out or advise me on what to do?
It’s been a long time coming. I’m glad the industry is beginning to get the recognition it deserves in the global market. Good thing is not so many people are into right now so there is plenty room for intending investors right now!
The best method for beginners is to practice under the guidance of an expert.
I recommend WILMOT L JEFFREY
Wow! I’m surprised you mentioned and recommended Wilmot L Jeffrey. I thought It was a handful of people that benefits from his services…
Man, the 19 year old being able to save around 10K/year is doing so well. When I was that age, I could barely make that much (of course, that’s because wages were much lower back then), but still 10K a year is more than half of the US.
From $37k to $65k that’s the minimum rage of profit return every month I think it’s not a bad one for me,now I have enough to pay bills and take care of my family
How did you do that?
It’s Natalie Lynn Chandler doing, she’s changed my life.
The first time we had tried, we invested €14,000 and after a week we received €50,230. That really helped us a lot to pay our bills.
I’m new at this, please how can I reach her?
I’m celebrating £32K stock portfolio today… Started this journey with £3K…. I’ve invested no time and also with the right terms, now I have time for my family and life ahead of me.
I Hit $32,590 today. Thank you for all the knowledge and nuggets you had thrown my way over the last week. i started with 5k in last week 2025… now i just hit $32,590
Same here
waking up every 14th of each
month to 57,000 dollars it’s a blessing to I and my family… I can now retire knowing that I have a steady income❤️Big gratitude to Ms Evelyn Vera
How did you manage to achieve that level of growth? I’ve been trying everything I can to improve my investments, I want to retire in a few years and I need a better diversification
After I raised up to 325k trading with her I bought a new House and a car here in the states 🇺🇸🇺🇸. Glory to God.shalom.
Wow. I’m a bit perplexed seeing her been mentioned here also Didn’t know she has been good to so many people too this is wonderful, I’m in my fifth trade with her and it has been super.
I’ve seen this name before and I’m now interested. Could you let me know how I can reach her?
Amazing video you’ve absolutely said it all. I’ve made a smart reinvestment, especially with some great guidance from a pro for a half year now, and it’s been a game changer. I was able to reinvest my RMD strategically, and i’m now pulling in about $35k a week, despite doing very little trading myself. It’s a nice cushion against financial stress. Best of luck with your RMD decisions!
35k a week, Nice meeting you friend.
How did you get started?
The investment market is without a doubt the awkward teenager with the most extreme mood swings! I started out with a commentator named “Matthew D Heck” His honest approach gives me complete ownership and control over my position, and his rates are incredibly affordable given my ROI
You can use his name to quickly conduct an internet search Matthew D Heck
He also mostly interacts on Telegrams, using his name.
@matthewheck
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.
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.
Due to my demanding job, I lack the time to thoroughly assess my investments and analyze individual stocks. Consequently, for the past seven years, I have enlisted the services of a fiduciary who actively manages my portfolio to adapt to the current market conditions. This strategy has allowed me to navigate the financial landscape successfully, making informed decisions on when to buy and sell. Perhaps you should consider a similar approach.
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
*Finding financial advisors like Caroline Anne Manning 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.*
I just checked her out on google and I have sent her an email. I hope she gets back to me soon.
I Hit $32,590 today. Thank you for all the knowledge and nuggets you had thrown my way over the last week. i started with 5k in last week 2025….. now i just hit $32,590
How did you manage to achieve that level of growth? I’ve been trying everything I can to improve my investments, I want to retire in a few years and I need a better diversification
Ms Violet Zyaire trading is the best way of making money in the market due to lack of experience which resulted in loosing funds.But miss Violet Zyaire, restored hope shes a good woman
Since I became so rich in her trading I realise that following her advice is the future cuz l invested 7k and made up to 36k as weekly profit I appreciate the help of Violet Zyaire
One of the most well-known people in her field is my CFA, Violet Zyaire.. I suggest looking into her qualifications in more detail. With her extensive knowledge, she is a great help to anyone trying to understand the financial market.Investment
The first time we had tried, we invested $14,000 and after a week we received $50,230. That really helped us a lot to pay our bills.
I’m glad you made this video it reminds me of my transformation from a nobody to good home, $34k monthly and a good daughter full of love..
My advice to everyone is that saving is great but investment is the key to be successful imagine investing $15,000 and received $472,700.
Hello, I’m a Doctor from Scotland, how do you make such amount? I’m a born
Christian but sometimes I feel so down of myself because of low finance but I still believe in God.
Making touch with financial advisors like OLIVER LEO 🇺🇲who can assist you restructure your portfolio, would be a very creative option. Personal financial management will be crucial to navigating the next difficult times
Unfortunately, not all of us were financially literate early. I was 35 when I finally educated myself and started taking steps. I went from $176,000 in debt with zero savings or retirement to now, 2 years later, fully debt-free and over $1000,000 net worth. I know that doesn’t SOUND like a lot, but I’m incredibly proud of it. Now I’m fast-tracking my wealth building (investing $400,000 annually) and don’t owe a dime to anyone. It’s a good feeling!
Waking up every 14th of each month to 210,000 dollars it’s a blessing to I and my family… Big gratitude to Oliver Leo
The first guy should know holding both VTI (Total Stock Market ETF) and VOO (S&P 500 ETF) isn’t very effective because they have significant overlap—VOO covers the top 500 companies, which already make up most of VTI. If you’re investing in VOO, adding a small- or mid-cap ETF would provide better diversification instead of holding VTI, which already includes those smaller stocks.
Would it be more effective to pair VOO with a small- or mid-cap ETF instead of holding both VOO and VTI?
I am impressed with your update with these strategies, I am looking for tax efficient way to rebalance my $800k portfolio without triggering capital gain tax. what asset location strategies should i use?
The best strategy depends on your financial situation, account types, tax bracket, and investment goals. Consult a financial advisor or tax professional to tailor these strategies for maximum tax efficiency.
It’s often true that people underestimate the importance of financial advisors until they feel the negative effects of emotional decision-making. I remember a few summers ago, after a tough divorce, when I needed a boost for my struggling business. I researched and found a licensed advisor who diligently helped grow my reserves despite inflation. Consequently, my reserves increased from $275k to around $750k.
Real estate prices exploded, interest rates exploded, but my wage the same, i’m screwed !! who is the advisor guiding you please? I could really use some help right now
I’m cautious about giving specific recommendations since this is an online forum and everyone situation is unique, but I’ve worked with Lisa Grace Myer for years and highly recommend her. Look her up to see if she meets your criteria
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.