In this video, we are going through three user-submitted portfolios from my Discord channel and Graham Stephan and I will review and roast their portfolios. 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
0:18 – Submission 1
7:02 – Submission 2
15:49 – Submission 3
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that second guy who bought nvidia is up for sure!
IAU is paper gold. its not actual gold
My two favorite finfluencers🤩
damm hes already coast fire by 50
Anybody else want to get roasted?
So how much was the cd paying in interest. 3.5% MM fund, I'm getting 4.5% in a fixed rate ISA, tax exempt account in the UK and no capital at risk
Let’s be honest. investing can feel like a gamble. But it doesn’t have to be. We’re seeing consistent, steady growth right now. We’re talking about turning $10k into significant gains in just weeks. Some are seeing $11k grow to $50k in a single week. Others are turning $40k into $180k over a few short weeks. This isn’t luck. It’s a pattern. And it’s repeatable.
I'm my mid 30s with 53k in the SP500. Hot ya late start unfortunately but got a raise to 130k. Currently putting 17% into retirement with a 60-70k pension coming. Hoping for the best
28 with 400k he definitely inherited some money 😅
Didn’t know you’re friends w that maga shill Graham
Banks want to lock you into a loan
whats wrong with a ladder CD? it's paying 4% now
I am proudly someone who adds their own guac to burrito bowls for the cash savings. Most grocery stores sell a 4 pack of individual guac cups that are perfect for dipping a burrito or adding to a bowl. I usually can make a burrito bowl into 2 seperate meals. Great way to save on protein as well.
Callable CDs paid 5.5% just a year ago.
Great collab between two of my favorite finance content creators. A hint for Graham from a sound engineer, mixers often have an HPF/High-Pass Filter/Low Cut Filter button that will help with the bumping sound on mics. Or if you don't have that, EQing out everything below say 100hz will essentially do the same thing.
My two favorite sellside finfluencers
Second two definitely had help or inheritance no way you get those assets at that income
How do they not know SCHG?
imagine not knowing that guac and avocado are not the same
I'm right around $1.9M investable depending on the recent ups and downs of the stock market. My wife and I plan on being retired in 5ish years around age 55 and hopefully $3M.
I like these two content creators but this video was awful! Not knowing that SCHD pays qualified dividends (and both kept on talking about why dividends are bad for high income earners), talking down CDs without knowing the context of starting it in the first place, not knowing the cost basis and rating investment – extremely unfortunate tbh.
just read the book. Smart Broke Dumb Rich by Zor Veyl. you'll thank me later.
OKAY this book actually wrecked my week in the best way. Smart Broke Dumb Rich by Zor Veyl. always thought my family was just bad with money but nah, nobody ever taught them anything. work, pay bills, stay humble, survive. that's not money education that's just being tired on schedule.
BRO where was this book when i was 18. Smart Broke Dumb Rich by Zor Veyl. school taught me how to write a resume and then shoved me out the door like that was enough. not ONE teacher ever explained how interest works, or debt, or what owning something does for you vs renting your whole life away. leverage? didn't even know the word til i read this. and all of it runs your future whether you understand it or not. you're playing a game nobody gave you the rules to and then they act shocked when you lose. read the first few chapters and just felt this slow burn like wait, was this kept from me on purpose. anyway read it.
i NEVER push finance books on people, they all make you feel broke and dumb at once. this one's different. Smart Broke Dumb Rich by Zor Veyl actually doesn't talk down to you. read it and it just clicks that most of us got handed survival advice, did everything right, then got blamed when it didn't turn into freedom. been stuck on that for days.
this book made me mad and i still can't fully explain why. Smart Broke Dumb Rich by Zor Veyl. just read it trust me.
It's not his fault, but I'd love to see more portfolios of people over the age of 40 being critiqued.
I never understand that renting is the better option. All youre doing is paying for someone else's house. A mortgage monthly outgoings is the same and the 10% downpayment is clearly worth it to actually own the house.
Next time I'm coming into Chipolte with an uncut avocado and dicing that in store just to see what happens.
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I did not realize how short Graham was bro he got those t-Rex arms😂