@humphreytalks

Never keep over this amount in your bank. Comment how much you are keeping your accounts! #edutok #tiktoklearningcampaign #learnontiktok #edutokcontest

💰 Here’s the framework for how much you should have in your Emergency Fund. Comment how much you have down below! #edutok #tiktoklearningcampaign #learnontiktok #edutokcontest

👀 No Elon Musk ETFs are coming… here’s what you need to know! #edutok #tiktoklearningcampaign #learnontiktok #edutokcontest

5 Signs You're Doing Well Financially in 2026: How Many Apply To You? #edutok #tiktoklearningcampaign #learnontiktok #edutokcontest

Selling my Gold Coin 🪙

3 ETFs to Buy Once You Open An Account. This strategy works no matter if you are in your 20s, or your 50s. It’s called the 3 Fund Portfolio. Here’s what you get… 1️⃣ VTI: Vanguard’s Total US Stock Market Fund. This is the bulk of the portfolio itself and gives you exposure to the top US Companies by market cap weighting. 2️⃣ VXUS: Total International Fund. This helps you diversify your portfolio against US companies. 3️⃣ BND: Total Bond Market Fund. This isn’t going to make you rich, but fixed income helps balance a portfolio. If you’re young though, I’d allocate less here. Watch till the end for sample allocations. As always, do your own research and if you need additional help - look to a fiduciary or financial advisor for your specific situation. Follow for more investing tips! #edutok #tiktoklearningcampaign #learnontiktok #edutokcontest

Here are the 4 tiers of wealth where life really changes. The first is the hardest, at $100K, but as your dollars get bigger, the effort you need to put in gets smaller to reach the next Tier. #edutok #tiktoklearningcampaign #learnontiktok #edutokcontest

How much of your portfolio can be allocated to “speculative” investments like Pokemon cards, alternative investments, crypto, art, collectibles? This is what I think. #edutok #tiktoklearningcampaign #learnontiktok #edutokcontest

Here are the average and median 401k balances, by age, in 2026. Did this surprise you? Data comes from Vanguard’s latest “How America Saves” report. #edutok #tiktoklearningcampaign #learnontiktok #edutokcontest

For the majority of people, investing in an S&P 500 ETF is all you need, especially if it’s within an IRA or Roth IRA. #edutok #tiktoklearningcampaign #learnontiktok #edutokcontest

If you’re going to spend money, buy these 4 things first. 1️⃣ A chef’s knife and pan. Really. Cooking at home can save you the most money, immediately. 2️⃣ A high quality mattress. We spend 1/3 of our life sleeping. Don’t cheap out on this. Good rest = pays dividends. 3️⃣ A reliable used car. Stop buying a new car that loses a bunch of its value to depreciation in the first few years. 4️⃣ Max the Roth IRA. Tax free gains in retirement. One of the most powerful accounts out there! #edutok #tiktoklearningcampaign #learnontiktok #edutokcontest

Follow this flow chart if you want to retire early! FIRE is financial independence, retire early, and you should target between 25-30+ annual expenses invested in a portfolio to have a safe withdrawal rate for the rest of your life. Let me know if this helped you, and follow for more actionable financial content. #edutok #tiktoklearningcampaign #learnontiktok #edutokcontest

What are RSUs? This video explains the common stock based compensation you may be awarded at a big company. Let me know your thoughts in the comments! #edutok #tiktoklearningcampaign #learnontiktok #edutokcontest

Staying in the wrong city in your 20s and 30s can be a huge killer of your wealth long-term. If you grew up somewhere and there’s just not a lot of industries that align with what you want to do, or the median salary in that city is dramatically lower than what you could be earning somewhere else… then by staying there you are costing yourself money. A city that's good for your wealth is you want something that has a really nice career direction for yourself, so that means there's lots of opportunities that you are going to be aligned with. Ideally the city also has quality people there, people that are as ambitious as you are, and have similar goals to you. #edutok #tiktoklearningcampaign #learnontiktok #edutokcontest

The S&P 500 is concentrated at the top. 7 stocks make up close to 30% of the entire index. Since the S&P 500 ETF is weighted by market cap, companies with higher market capitalizations make up proportionally more of the index. Now, there is a version that fixes this called an “equal weight ETF”. Where every stock gets the same allocation of dollars. But here’s the thing - if you go with that option, over the past 10 years - the normal S&P 500 has returned 212%, while the equal weight version returned 143%! So, is this a bad thing, or not? I personally don’t think so. The top 7 companies are the top 7 for a reason - they’re good companies with great future outlooks and growth baked in. Let me know what you think below though! #edutok #tiktoklearningcampaign #learnontiktok

If you have $100,000 invested by age 25, you could stop saving for retirement forever, and you’d still retire a millionaire using “CoastFIRE”. That’s a form of financial independence, retire early. Since thats ambitious, here are the numbers you need for the following ages: 25: ~100K 30: ~140K 35: ~200K 40: ~275K 45: ~388K You don’t fully stop working, but it does mean you can take on a part-time job or just get a job that covers your bills only! What are your thoughts on this strategy? Would you do it? #edutok #tiktoklearningcampaign #learnontiktok

VTI has 3,500 stocks. VOO has 500. So why do they perform almost exactly the same? The answer is because VOO, the Vanguard S&P 500 ETF - makes up the majority of VTI, the total market ETF. 82% of VTI is just $VOO already. So which is the best to invest in? I give you my thoughts in this video. #edutok #tiktoklearningcampaign #learnontiktok

This purchase sets you back 5 years (financially). And guess what it is? It’s not student loans, or fancy clothes… It’s a new car. The average new car price now sits above $51,000! And the average new car payment is $750 a month. 

The opportunity cost is insane. The difference can be anything between $45k in savings to over $213k! Let me know your thoughts in the comments. #edutok #tiktoklearningcampaign #learnontiktok

🪙 We got rid of the penny. Is the nickel next? Explained. #edutok #tiktoklearningcampaign #learnontiktok

This is how much money the “above average” person has in America. We are defining this as top 75%, which means that if you are in this bracket, you are ahead out of 3 of 4 people at your age. Here are the exact numbers: Under 25: $38,300 25-29: $147,600 30-34: $210,300 35-44: $422,100 45-54: $731,300 55+: $1,185,000 Was this more or less than you thought? #edutok #tiktoklearningcampaign #learnontiktok