Q&A: 30,000 Subscribers, get to know me, investing guide, entrepreneurship | HumphreyTalks

Enjoy this Q&A from all the questions I got on Instagram!

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Timestamps:
0:00 - Start
0:54 - Where are you from?
1:58 - How much to keep in savings
2:36 - How does one start investing?
3:25 - Free Investing Guide
3:37 - What to do differently at 20
5:50 - What’s your 9-5?
7:12 - Expectations around 30k subs
8:21 - Financial Advisors
9:38 - Websites for investing?
10:46 - Favorite TV shows/Music
12:43 - How much to invest in stocks
13:39 - 403(b)s
14:30 - Looks
14:49 - Tips for Entrepreneurs
16:55 - Thoughts on Student Discover Card
17:20 - Paying off debt early & credit scores

👊 If you like the work and appreciate the value it may bring, please show it some love and drop me a Like and a Comment (I reply to every single one!). If you're feeling extra 💥⚡️🔥 you can share this video with your friends and on social media!

🙋🏻♂️ Who am I? My name is Humphrey Yang, I am an entrepreneur who has built businesses and am passionate about Personal Finance. This channel is dedicated to helping people (whether you're 21 or 81) become better with their Money, Personal Finances, and Entrepreneurship, I hope these videos help.

Disclaimer: I am not a financial advisor, any investment commentary are my opinions only. Some of the products and services that appear on this channel are from companies that I have an affiliate relationship with, such as Robinhood, for which I recieve a small percentage made via those links, but it doesn’t cost you anything extra!

[ilyjustinluuga]

Your transparency is everything! I always enjoy watching your videos because you seem “real” with your intent to help others understand finances! Also, totally didn’t know you went to school in Seattle and to LMU! Did you leave with any debt? Scholarships you may have had?

[kellygee]

Love the engagement and personal touch in this one!

[luisgaray]

Currently going to school for finance, watching these videos helped me reassure this is what I want to study. Thank you.

[xcitipopx]

I loved learning more about you! You mentioned that you transferred schools to pursue a finance degree, what did you start of studying and what were your motivations to do something else?

[SaiGanesh]

Great video Humphrey, congrats on the 30k subscribers!

[krakken]

Congratulations!!! knew you could do it!

[m.t.]

Congrats Humphrey! I really enjoy your channel coming from a genuine guy and clear explanations!

[Alexis_Marcelo]

Thanks for sharing! I live in the bay area too. And congrats on 30k!

[spencerthelizard]

Been here since 500 can't wait to see more from ya

[nicoc]

Grats on 30k my guy! Found you on tiktok and since then have put my saved money in VTSAX. My parents have done real estate since immigrating to the US, and they were supportive with me trying a different investment medium. As for feedback: I like this chill, conversational type style for future sub milestones! Wishing you more great financial and content creation growth :)

[oyasuyutbe]

How did your parents raise you to become who you are today? Please tell us more about how to become a someone who works hard and to be motivated. Is it mostly your parents influence or other childhood experiences? I want my son to be like you, very motivated and think outside of box!

[MindyFan]

Congrats & Keep it up! :) I am a fairly silent subscriber but I am enjoying your videos.

[sophieh]

Daaang! I just passed on a job offer from Redwood city. Great video! Congrats on 30k, been here since 1k. Way more to go!! ✌️😀

[fonch]

Redwood City is my hometown too! I sensed Bay Area vibes from seeing a couple TikToks lol. Thanks for putting things into plain English sir!

[shimy]

Woah you're at 30k I remember I subbed at 13k nice job dude

[ChiTownBearCub]

Humphrey, do you do financial advising for individuals?

[DeeJayIcce]

Congratz again on 30k! Nice! I’m from San Rafael right up the road and spent a year in Japan. Some questions/comments on ur answers.
1) Having 3 months in savings for emergency, are there other liquid-ish places you can put that so it doesn’t just get the less than 1% interest.
2) I would say people should use paper trading while they learn instead of just jumping in and losing their money
3) 😂
4) Have you thought about investing for other people? I.e. have people give you money and charge a % of the gains.
5) Found u on tiktok, seems to grow much faster.
6) Front End Load - stay far far away
7) I’ve noticed that TD Ameritrade has a lot of investing videos. I try to join discord’s but they tend to be 90% garbage and it’s hard to sift thru
8) How can you not mention This is Us if u like Mandy Moore? Also if u like Superbad u gotta love Supertroopers. Gotta throw a shout out to Hendersin even tho it’s not quite ur genre.
9) if you spend $100 on an option u could get rich quick
10) I always suggest maxing out retirement accounts
11) Can’t comment on that one 😂
12) Great advise, plan for the long term, too many people want it all right now
13) I’d suggest staying away from credit cards unless you are disciplined enough, many students go into debt far too young before they understand how finances work, and don’t get me started on how awful it is that schools don’t prepare kids for the real world. No one is going to care if you know 25 digits of pi when I can get the answer in 2 seconds, what they will care about is how you can get taken advantage of when renting an apartment or investing.
14) I always suggest comparing rates. If you have a low interest rate, like 0-5% which most cars have, but you are averaging 8% on investments, it makes more sense to invest that money for profit rather than paying off the low interest loan.

Great videos! Keep it up!

[Arsway]

Don’t know what to say so commenting to comment😂👍🏽

[ryanmelendez]

Do you play video games at all? Or do you think they’re a waste of time

[duwalagepasinduchamodyagun]

hi, i know covered this on your tiktok account but what can you cover in depth. the question what is different between a bokerage account and normal savings account?