How to Get Wealthy By Age: 20s, 30s, 40s, 50s & 60s+
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- Опубліковано 2 чер 2024
- These are some of the goals you should be focusing on at every age in order to build and compound your wealth over time! Your 20s is a foundational time, your 30s is when you double down on skills and increase your income, your 40s is about managing risk, reducing taxes, and your 50s and 60s are going to be for protecting your capital, and making sure you can retire just fine. I hope that this video answers many questions for you. Make sure to subscribe to the channel!
Also, follow me on Twitter (X): / humphreytalks
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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
0:06 - 20s
5:08 - 30s
9:16 - 40s
13:42 - 50s & 60s
I'm going to up my Twitter game. Follow me there! twitter.com/humphreytalks
W for bro still putting time stamps in his videos. I know this can lower watch time so most UA-camrs stopped but it is appreciated.
of course bro no worries. Its all about just making helpful videos
@@humphrey tbh creators who use time stamps, I always play the WHOLE video just out of appreciation. Those who don’t use stamps, I sometimes just skip through to be petty. 😂
@@matshepherd118 me too I always go through the entire video but it's nice to be able to go back and rewatch certain points
@@matshepherd118 i thought i was the only one who do this omgggg
Building wealth involves good habits and risks like putting money into solid investments like digital currencies,having a good financial manager is what people tend to shy away from,and it keeps hunting them in the near future after many losses, be disciplined and get certified advisor pray that anyone reading this will be successful!!!
Nobody can become financially successful overnight. They put in background work but we tend to see the finished part. Fear is a dangerous component, hindering us from taking bold steps we need in other to reach our goals. you have to contend with inflation, recession, decisions from the Feds and all. I was able to increase my portfolio by $289k in months. You have to seek for help in the right places.
I think it's not always about fear, Sometimes realistic factors discourage people from reaching their goals in life. For instance, I've tried investing in the stock market several times but always got discouraged by fluctuations of stock value
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.
Glad to have stumbled on this conversation. Please can you leave the info of your investment advisor here? I’m in dire need for one.
My CFA ’Melissa Terri Swayne’ , 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.
She appears to be well-educated and well-read. I ran a Google search on her name and came across her website… thank you for sharing.
You are gradually becoming my financial coach and mentor.
Lovely ;)
Yang gang!! Let's go! Another killer video man 😎🙌🏻
Humphrey, your knowledge is much appreciated, Thank you. ❤
Thanks for this!! love your channel and please do more videos about building wealth + investing in your 20s!!
We appreciate you a lot man ❤ you’re really helping out a 19 year old college student !!!!!
You have the nicest and most polite comment section on YT! 🤭 Well deserved. Love your content and calm friendly delivery. 🥳
😊 thank you
Thanks Humphrey! You da man!
Thanks humphrey! ❤
Thank you, Humphrey. Appreciate your content as always.😊
I appreciate that!
Excellent video as always!
Priceless content.
Love this channel so much.
Boom thanks for watching
Love your videos! Thank you!
You are so welcome!
Ive always seen Humphrey video on tiktok and short reels but never really watch his full videos until now. Ive been following as of recent and love how much information he's sharing to helping me being debt free and wealthy in the future. Thanks Humphrey!
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Great information. Amazing what you just explained here in 17 minutes is something not explained in 3 years of high school. Is it no wonder kid’s graduating high school and many from college are horrible with personal finance. In most families money is like taboo and not talked about. ❤
your breakdown of financial strategies for each decade provides an invaluable roadmap for long-term wealth building. It's especially crucial to understand that the foundation you build in your 20s can significantly influence your financial freedom and security later in life. 👍
The idea about different income streams was very thoughtful. I will be thinking of building that too. Thank you so much!
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Great video, but although I agree with mostly everything I would say you don’t need to wait until ur 60’s to have a Will a Trust bc we don’t know when we gonna die. So as soon your Wealth is growing, is great to have everything in order for when we are call to be in the other side of life.
This is super helpful, Humphrey! Thank you!
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Humphrey Yang Gang stand up!!
Hi friend !! 👋 thank you for all your advice!! 🙏
W vid as always 😁
It's recommended to save at least 20% of your income in a 401k. You can use online calculators to estimate how much you should save based on your age and income. Saving at least 20% of your income in a 401(k) can help ensure that you have enough money to retire comfortably. By saving this much, you can take advantage of compound interest and potentially grow your retirement savings over time.
Effective personal finance management is more important than the amount of money saved, regardless of whether income is earned through job or investment. Individuals can seek counsel from a certified financial advisor to optimize financial outcomes, who can provide specialized advice and methods to decrease expenses and maximize income.
I agree, that's the more reason I prefer my day to day investment decisions being guided by an advisor, seeing that their entire skillset is built around going long and short at the same time both employing risk for its asymmetrical upside and laying off risk as a hedge against the inevitable downward turns, coupled with the exclusive information/analysis they have, it's near impossible to not out-perform, been using my advisor for over 2years+ and I've netted over 2.8million.
I appreciate the implementation of ideas and strategies that result to unmeasurable progress. Being heavily liquid, I'd rather not reinvent the wheel, thus the search for a reputable advisor, mind sharing info of this person guiding you please?
Finding financial advisors like Marisa Breton Dollard 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.
Marisa has the appearance of being a great authority in her profession. I looked her up online and found her website, which I reviewed and went through to learn more about her credentials, academic background, and employment. She has a fiduciary duty to protect my best interests. I sent her an email outlining my objectives and also booked a session with her; thanks for sharing.
I hope to be able to retire by the time I'm in my 40s. My number is between 3-5M 5% of that gives me 150k assuming inflation doesn't go parabolic I think this can be a comfy living and support a good sized family.
Happy Asian Heritage month Humphrey thanks for all of the informative content
The idea of maintaining a budget seems so simple, yet so many don’t do it! I balance my budget even on vacation, and my sister-in-law was surprised to hear my wife explain that we track our expenses.
I couldn't help but ask, could we maybe get a video regarding HSA accounts one day? I genuinely would love to hear more of your take on them, and have a better understanding on whether or not I should be taking advantage of one if I'm offered it! Love the content as always!
Yes use it without question. If you have to choose between traditional 401k and hsa you first max hsa then 401k. Reason being that hsa is eligible to never get taxed (including gains) if used for medical purposes. You could use hsa funds for lasic, annual visits, medical kits, etc. and if never used by the time you retire, this account effectively converts to a 401k. However at retirement you’re more likely to take advantage of this hsa. Max it out every year good lad.
YANG GOES BANG!!!!!!!!!
Yay🎉 I’m Humphrey’s friend!!!
Love all your content Humphrey! Which mutual fund /ETF is underrated in your opinion?
In my 30s and I still have the same spending habits has when I was in college. That tip couldn’t be more true
I’m working on an online business and a retirement fund in my 20’s.
Wow.... I am blown away by this presentation. I was an insecure 59 year old, in January 2018 when I started buying Bitcoin/crypto. Everyone though I was irrational. Most still do. I put my income and savings and watched the value drop each month but for some reason really believed in Bitcoin and alt coins/blockchain even though I don't totally understand. Finally, the crypto market started turning around and I am astonished at the value of my crypto currency portfolio today. I engaged in active trading and managed to grow a nest egg of around 2.3Bitcoin to a decent 24Bitcoin....At the heart of this evolution is Francine Duguay, whose deep understanding of both cryptocurrency and traditional trading has been instrumental. Her holistic approach to investment and commitment to staying abreast of market trends make her an invaluable ally in navigating this new era in cryptocurrency investment.
Thanks for keeping it light and real at the same time. Much needed for us traders in times like these!
The internet is filled with so many useful information about Francine Duguay crypto….
This is why it is advisable to connect with a true market strategist in order to avoid missing such opportunity and maintain steady gains.
She appears to be well-educated and well-read. I ran a Google search on her name and came across her website; thank you for sharing.
It really helped trading with Francine Duguay analysis and info, even with the market in a downward trend. Definitely riding the market wave is a good perspective..
I’m 23 and I’m making 60k a year already investing in my Roth IRA hope all goes well by the time I retire
To the moon! You’re going to crush it! Way to go getting started so early. 🥳
Nice plan of action Humphrey. Credit card 💳 debt will keep you poor and take away your opportunity cost of investing 💰 for our wealth
great i’ll come back to this video every 10 years thank you😂😂
Humphrey, would like to know your opinion on the SCHD ETF? Thanks in advance!
Hey Humphrey, could you do a video explaining HSA's. I think I would benefit from one, but exactly sure what the medical expenses it can be used on
It can be spent on pretty much anything, prescription glasses, dental work, exams, meds, I think even mental health?
Maintaining a budget takes discipline and dedication. Some people can’t do this.
Then they simply fail in that regard
Some people don't know how to find purpose & set gosls that actually excite you enough to do the hard things that always stand between you & the next mountain peak in like.
Would you consider precious metals an investment or commodity?
I see it as both due to the industrial demand for it and the limited supply of it.
As long as you hold it, metals on paper is a scam to manipulate the price!
LETS FUCKING GOOOOOO YANG!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
LETS GOOOOOOOOOOOO
@@humphrey😂
Great video! I’m 31 and just started investing. How do you feel about this breakdown for brokerage account:
80% US Stocks (50% of which VTI, 25% SCHD, 25% VUG)
10% Non US Stocks
10% bonds
too stressful, gonna become a hermit.
Is it too late start investing? I mean, i am in my 40s, fortunate enough still during the COVID19.
8:40 essentially you have a finite time to invest (your working life, generally) and your choices determine the opportunity cost. for example that friend that makes 750k who spends almost all of it on current year things is exchanging what would be an insanely lucrative retirement on his present enjoyment.
You cannot have both things because of the problem of opportunity cost. For the average person this is often "I chose to have kids and now i can't do stuff" When people accept this, then it might allow them to accept the situation they are in.
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Great tips regarding personal finance hygiene. When it comes to employment, being an employee working for an established company is still my preferred choice over being an entrepreneur since its more stable long term with a lot of room for advancement, benefits, vacation pay, retirement options and so on. I'd prefer red sweaters 😂
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I like that with an HSA you can take that money out whenever you want after you've paid your medical bill. Keeping your receipts can be a pain, but cool that this is an option. You could keep all the money you have saved in your HSA making money and take it out in the future after it's made you more money.
Uh many people go to grad school in their 20s. Which costs money. Or they get married. Which costs money. Or they want to travel the world and enjoy their youth rather than turn into worker drone so early. Which costs money. For vast majority of people, your video is totally unrealistic for your 20s.
Hey Humphrey , very good video . I can do better editing in your videos which can help you to get more engagement in your videos . Pls lmk what do you think ?
isn't trad ira the same thing as taxable investing *kinda newish to investing*
09:50 That emoji being used for us 40-years olds… that ain’t right Yang. Funny though.
lmao
If she’s not subscribed to Humph, she’s not the Juan😭
what do i do with 150k i just won? savings or cd maybe? thanks love u all
Invest or savings high yield
I’m 40. I’ve had a work 401k for several years. Opened a Roth IRA last year. I save about 23% of my monthly net income to savings and about 18% of my gross monthly income to retirement. Didn’t really start this journey until my 30s, so I get up to my company match and the rest goes into Roth up until the max. Will never stop maxing the Roth. I enjoy your newsletters !
You should consider maxing out your HSA as well ($4150 for individuals in 2024) if your employer offer a high-deductible health plan and the HSA bank has investment features.
@@manyam319 and if not used it'll be gone? .. not all rolls over for the next year right?
New to your channel: What’s a comfortable retirement amount with the rate of inflation outpacing cost of living raises?
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And you can invest in your HSA as well
w vid
ty Tim
damn, way to roast your $750k friend 😂 truly living modestly and below your means is so important!
VFIAX or VTSAX? Choose one.
VTSAX
Why VTSAX?
In my case I started to try a Business fixing and flipping pc's (I'm 22 years old) but I got robbed, for now I'm repaying my debt, Well, the good thing is that I was able to find a better paying job, more relaxing but also harder
What if you want to FIRE, should you invest in an IRA since you can't access those funds till you are 59 1/2?
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Would you recommend a financial advisor for a plan like facet? I'm almost 28 and just now starting to save I got one more personal and my car payment left then I'm debt free besides living expenses I want to get at least over a mil net worth by time I'm 45-47
For you probably not yet. You need a more complicated situation before needing a CFP I think. But you can always schedule a consult and see.
@@humphrey thank you! I feel like I was jumping the gun on that didn't wanna get sucked into a fee that I can not yet afford. Your videos and book recommendations have helped. Especially investing into index funds for long term retirement!
Re: in your 40s maxing out 401ks. If I'm MFJ, in 24% fed bracket, and already have $700k in pre-tax assets with 15+ years until retirement, you still feel like adding more to the pre-tax should be a priority? I don't love the idea of future taxes.
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Your thoughts on withdrawing social security in mid-60s to 70s?
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Money actually does grow on trees. It's technically a paper product
Can you explain vestage in 401k because I looked it up and it says you don’t keep the entire company’s match if you plan on leaving the company so why would I invest in that?
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@@TheHumphreyYang no idea what that means but thanks I guess😅
im 29 with 350k uninvestedd, sat thru 2023 like a idiot, drives a 20k car, no gf, no house, no job, still a virgin. Whats ur advice for me yang?
start with end of list first 😉
have you thought about listening to Weezer?
@@humphrey SAY IT AIN'T SOOOOOOooOOooOOOOOOOO
@@hpprinter6276 weezer? not sure what that is but im serious. i really have a lot of money saved up and never invested, sat thru 2023 because clearvaluetax said the market will go lower. now i feel like a idiot but all the stocks are at historical highs and im a afraid buying into it will be dangerous. What if those retards over at the middle east starts inting with nuclear calls? same for china and russia. im asian too btw but im not an asian that have been fully assmilated into american society so there are lots of things i missed out by being intoverted.
I've got a question. Where would an HSA fall in the contribution priority?
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Spending habits
4% rule is NOT in perpituity. Its 30 years if your lucky.
4% rule only assumes a 30 year retirement. For FIRE your withdrawal rate should be under 4%.
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Dang, you obliterated your “friend”.
he doesnt have social media so im good lol
@@humphreyit’s kinda insulting tbh how much they make and how little they save
He called out not-so-smart way to handle money using a real life example that didn't hurt his friend by naming him.. soo all good to me! Thanks!
@@AdamDeMonico my friends and I live by a different code…
Literally, just make up a story 😂
This is good and all, but no one under 50 is retiring at 65. People cant even buy hones right now. Retirement is going to be the next dream to drift away.
Don't need to buy a home to retire my friend, plenty of alternative living arrangements one can make
That being said, you can certainly retire ahead of 50 if you have enough to keep your withdrawal percentages low enough
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One could argue that your friend making 700k really is the smart one here. He makes good money and spends what he has while enjoying life. If he made significantly less I could understand the saving mindset but at that income just enjoy life. You literally made it. This is especially true if you have no children or are of the mindset that your kids must earn their own.
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Will there ever be a buyers market for houses ever again……kidding but also not.
Hey! Im all in on Dogecoin
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Thank you for touching on strategies for us boomers ... I think there's still quite a few of us around. So many advisers focus on the younger generation and forget about the big bulge coming through the snake.
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Anyone else only see six, and not seven, sources of income?
I have 100.000 net worth at 30 is that good?
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The typical UA-camr bro this things have been posted 1trill times here on UA-cam
I'm reading The Millionaire next door. But wow this book is trying to say 3 things in 300 pages. It is quite boring. Hard to imagine this could be someone's favorite book.
What the hell does that guy do that makes 750k I feel so behind
6:16
Marketing Psychology is probably the most devious and sinister form of studies.
Let's learn about the human mind, not to help people overcome mental hurdles and achieve a higher form of self actualization, but so we can sell them something they dont need like bottled water 😈
Spam/ scam comments are insane
Forgetting an HSA
10:14......
@@derekrequiem4359 oh haha spoke too soon
Bitcoin is on its way to breaking records, getting closer to hitting new high prices, showing that it's gaining more value and could go even higher than we've seen before. This could mean great things for people looking to invest, suggesting now might be a good time to get involved before it jumps even higher. It's an exciting moment that could change the game in general...managed to grow a nest egg of around 2.3Bitcoin to a decent 27Bitcoin....At the heart of this evolution is Francine Duguay, whose deep understanding of both cryptocurrency and traditional trading has been instrumental. Her holistic approach to investment and commitment to staying abreast of market trends make her an invaluable ally in navigating this new era in cryptocurrency investment.
You work for a 40yrs to have $1m in your retirement, meanwhile some people are putting just $10k in a bitcion coin for just fe months and now they are multimillionaires thanks to Charlotte Grace Miller
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
After I raised up to 125k trading with her I bought a new House and a car here in the states also paid for my son's surgery
Glory to God shalom.
The very first time we tried, we invested $1000 and after a week, we received $7500. That really helped us a lot to pay up our bills.
I'm new at this, please how can I reach her?
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
First!
Thank you Lord Jesus for the gift of life and
blessings to me and my family $14, 120.47 weekly
profit Our lord Jesus have lifted up my Life! A. V
She's a licensed broker here in the states 🇺🇸🇺🇸
Great to see you guys talking about her, she really changed the game for me.
You'll surely reach her
She's active on TELE
Gram
@mrselenaaa
Step 1: Stop eating out
Step 2: Step getting coffee from Starbucks
Step 3: Inherit 20 million USD
Step: 4: Get a VP job at my fathers company.
Step 5: Retire early
1. HSA's triple tax advantages has a giant drawback. Having to have a high deductible health plan. It's great for years you are healthy. But if having a baby generates a hospital bill of 30k and your on the hook for say 10k...Having the HSA isn't worth it vs. having a healthcare plan where you pay $0 hospital bill when having a baby. This example can apply to broken limbs, any sort of long term illness/disease. I mean medical bill are a major factor in bankrupting people these days. I think most financial people don't bring this up when talking about HSA.
There is only one way I feel HSA'S can work to your advantage. It's funding your HSA when in your 20's and relatively healthy. You can build this account when you don't need or have huge health care costs. Once in your 30s change to a better health coverage and you still have a well funded HSA to use (you won't be able to add to it anymore).
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大家大家大家大家大家大家大家大家大家大家大家大家大家大家大家大家
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