Humphrey
@humphrey.bsky.social
Financial Advice for anyone in their 20s
- Avoid car loans
- Start Building Credit
- Always take Employer 401K Match
- Avoid anything High-Interest
- Be open to Job Hopping
- Spend Less than you Earn
- Always know your Net Worth
- Start making your money compound
Anything else?
- Avoid car loans
- Start Building Credit
- Always take Employer 401K Match
- Avoid anything High-Interest
- Be open to Job Hopping
- Spend Less than you Earn
- Always know your Net Worth
- Start making your money compound
Anything else?
December 17, 2024 at 12:27 AM
Financial Advice for anyone in their 20s
- Avoid car loans
- Start Building Credit
- Always take Employer 401K Match
- Avoid anything High-Interest
- Be open to Job Hopping
- Spend Less than you Earn
- Always know your Net Worth
- Start making your money compound
Anything else?
- Avoid car loans
- Start Building Credit
- Always take Employer 401K Match
- Avoid anything High-Interest
- Be open to Job Hopping
- Spend Less than you Earn
- Always know your Net Worth
- Start making your money compound
Anything else?
3 Reasons People Stay Poor:
👀 Paying for Status
- Buying Clothes & Cars to flex
😵💫 Unconscious Spending
- Use the 60/30/10 Rule for Saving
- 60% to Needs, 30% Wants, 10% Saved
💵 Being Cheap
- Sometimes its better to spend
- 1 Quality Purchase > 12 Cheap ones that don’t last
👀 Paying for Status
- Buying Clothes & Cars to flex
😵💫 Unconscious Spending
- Use the 60/30/10 Rule for Saving
- 60% to Needs, 30% Wants, 10% Saved
💵 Being Cheap
- Sometimes its better to spend
- 1 Quality Purchase > 12 Cheap ones that don’t last
December 7, 2024 at 12:42 AM
3 Reasons People Stay Poor:
👀 Paying for Status
- Buying Clothes & Cars to flex
😵💫 Unconscious Spending
- Use the 60/30/10 Rule for Saving
- 60% to Needs, 30% Wants, 10% Saved
💵 Being Cheap
- Sometimes its better to spend
- 1 Quality Purchase > 12 Cheap ones that don’t last
👀 Paying for Status
- Buying Clothes & Cars to flex
😵💫 Unconscious Spending
- Use the 60/30/10 Rule for Saving
- 60% to Needs, 30% Wants, 10% Saved
💵 Being Cheap
- Sometimes its better to spend
- 1 Quality Purchase > 12 Cheap ones that don’t last
How much should you have in Savings:
- 3 to 6 Months of your living expenses
- Put it in a High Yield Savings Account
If that’s too high, then aim for at least $1,000 saved
Why? Well Most Americans can’t afford a $1,000 emergency expense
So that’s a great starting point
- 3 to 6 Months of your living expenses
- Put it in a High Yield Savings Account
If that’s too high, then aim for at least $1,000 saved
Why? Well Most Americans can’t afford a $1,000 emergency expense
So that’s a great starting point
December 5, 2024 at 9:03 PM
How much should you have in Savings:
- 3 to 6 Months of your living expenses
- Put it in a High Yield Savings Account
If that’s too high, then aim for at least $1,000 saved
Why? Well Most Americans can’t afford a $1,000 emergency expense
So that’s a great starting point
- 3 to 6 Months of your living expenses
- Put it in a High Yield Savings Account
If that’s too high, then aim for at least $1,000 saved
Why? Well Most Americans can’t afford a $1,000 emergency expense
So that’s a great starting point
The #1 Wealth Killer isn’t your daily coffee
It’s your Car Payment.. 🚗
Many Americans are currently spending $1,000+ a month on their Cars
And it’s mainly for ‘Status’
But when you’re young, try keeping your Car Payments less than 15% of your Gross Monthly Paycheck
It’s your Car Payment.. 🚗
Many Americans are currently spending $1,000+ a month on their Cars
And it’s mainly for ‘Status’
But when you’re young, try keeping your Car Payments less than 15% of your Gross Monthly Paycheck
December 4, 2024 at 9:01 PM
The #1 Wealth Killer isn’t your daily coffee
It’s your Car Payment.. 🚗
Many Americans are currently spending $1,000+ a month on their Cars
And it’s mainly for ‘Status’
But when you’re young, try keeping your Car Payments less than 15% of your Gross Monthly Paycheck
It’s your Car Payment.. 🚗
Many Americans are currently spending $1,000+ a month on their Cars
And it’s mainly for ‘Status’
But when you’re young, try keeping your Car Payments less than 15% of your Gross Monthly Paycheck
I don’t like how society is setting the youth up for failure
Young adults think they need to:
🚗 Buy a Car they can’t afford
🏠 Buy a Home they can’t afford
💍 Have a Wedding they can’t afford
👨🏼🎓 Take loans for college they struggle to pay
This pressure shouldn’t be there
Young adults think they need to:
🚗 Buy a Car they can’t afford
🏠 Buy a Home they can’t afford
💍 Have a Wedding they can’t afford
👨🏼🎓 Take loans for college they struggle to pay
This pressure shouldn’t be there
December 3, 2024 at 12:52 AM
I don’t like how society is setting the youth up for failure
Young adults think they need to:
🚗 Buy a Car they can’t afford
🏠 Buy a Home they can’t afford
💍 Have a Wedding they can’t afford
👨🏼🎓 Take loans for college they struggle to pay
This pressure shouldn’t be there
Young adults think they need to:
🚗 Buy a Car they can’t afford
🏠 Buy a Home they can’t afford
💍 Have a Wedding they can’t afford
👨🏼🎓 Take loans for college they struggle to pay
This pressure shouldn’t be there
Memecoins are all people are talking about right now
Turning $100 to $1000 in a trade seems amazing
But you don’t see how many are losing their money too
Here’s what you should actually focus on:
- Companies you use
- Index Funds
- Real Estate
- ETFs
Don’t get distracted
Turning $100 to $1000 in a trade seems amazing
But you don’t see how many are losing their money too
Here’s what you should actually focus on:
- Companies you use
- Index Funds
- Real Estate
- ETFs
Don’t get distracted
December 1, 2024 at 10:59 PM
Memecoins are all people are talking about right now
Turning $100 to $1000 in a trade seems amazing
But you don’t see how many are losing their money too
Here’s what you should actually focus on:
- Companies you use
- Index Funds
- Real Estate
- ETFs
Don’t get distracted
Turning $100 to $1000 in a trade seems amazing
But you don’t see how many are losing their money too
Here’s what you should actually focus on:
- Companies you use
- Index Funds
- Real Estate
- ETFs
Don’t get distracted
🏠 Home Buyer Statistics (2024)
The Average:
- Homebuyer is 56 (used to be 49)
- Repeat buyer is 61 (used to be 58)
- First-Time buyer is 38 (used to be 35)
..I’m sure everything is fine
The Average:
- Homebuyer is 56 (used to be 49)
- Repeat buyer is 61 (used to be 58)
- First-Time buyer is 38 (used to be 35)
..I’m sure everything is fine
November 30, 2024 at 10:37 PM
🏠 Home Buyer Statistics (2024)
The Average:
- Homebuyer is 56 (used to be 49)
- Repeat buyer is 61 (used to be 58)
- First-Time buyer is 38 (used to be 35)
..I’m sure everything is fine
The Average:
- Homebuyer is 56 (used to be 49)
- Repeat buyer is 61 (used to be 58)
- First-Time buyer is 38 (used to be 35)
..I’m sure everything is fine
The BEST time to Invest is your Payday
1. Direct Deposit Hits
2. Money withdrawn automatically
3. Setup a recurring investment like $VOO
4. Spend the rest on bills
This way your expenses are covered
And you didn’t have time to get emotionally attached to the money you invest
1. Direct Deposit Hits
2. Money withdrawn automatically
3. Setup a recurring investment like $VOO
4. Spend the rest on bills
This way your expenses are covered
And you didn’t have time to get emotionally attached to the money you invest
November 29, 2024 at 9:38 PM
The BEST time to Invest is your Payday
1. Direct Deposit Hits
2. Money withdrawn automatically
3. Setup a recurring investment like $VOO
4. Spend the rest on bills
This way your expenses are covered
And you didn’t have time to get emotionally attached to the money you invest
1. Direct Deposit Hits
2. Money withdrawn automatically
3. Setup a recurring investment like $VOO
4. Spend the rest on bills
This way your expenses are covered
And you didn’t have time to get emotionally attached to the money you invest
Happy Thanksgiving! May your stocks stay up, your taxes stay low, and your portfolio stay diversified 😂
November 28, 2024 at 9:58 PM
Happy Thanksgiving! May your stocks stay up, your taxes stay low, and your portfolio stay diversified 😂
‘I don’t know how to invest in Stocks’
That’s fine, just start with these ETFs:
• VOO: S&P 500
• QQQ: More Aggressive
• SCHD: Good Dividends
Split your paychecks into just ONE of these.
Consistently. Even if it’s a small amount.
and you’ll be set.
That’s fine, just start with these ETFs:
• VOO: S&P 500
• QQQ: More Aggressive
• SCHD: Good Dividends
Split your paychecks into just ONE of these.
Consistently. Even if it’s a small amount.
and you’ll be set.
November 28, 2024 at 4:01 PM
‘I don’t know how to invest in Stocks’
That’s fine, just start with these ETFs:
• VOO: S&P 500
• QQQ: More Aggressive
• SCHD: Good Dividends
Split your paychecks into just ONE of these.
Consistently. Even if it’s a small amount.
and you’ll be set.
That’s fine, just start with these ETFs:
• VOO: S&P 500
• QQQ: More Aggressive
• SCHD: Good Dividends
Split your paychecks into just ONE of these.
Consistently. Even if it’s a small amount.
and you’ll be set.
There’s an ETF for every type of Investor
Aggressive Investor? $QQQ or $VUG
Want to be Diversified? $VOO or $VTI
Enjoy Dividends? $SCHD is my favorite
Investing doesn’t need to be complicated
Aggressive Investor? $QQQ or $VUG
Want to be Diversified? $VOO or $VTI
Enjoy Dividends? $SCHD is my favorite
Investing doesn’t need to be complicated
November 27, 2024 at 11:30 PM
There’s an ETF for every type of Investor
Aggressive Investor? $QQQ or $VUG
Want to be Diversified? $VOO or $VTI
Enjoy Dividends? $SCHD is my favorite
Investing doesn’t need to be complicated
Aggressive Investor? $QQQ or $VUG
Want to be Diversified? $VOO or $VTI
Enjoy Dividends? $SCHD is my favorite
Investing doesn’t need to be complicated
Well… checking back in. Wish I bought more.
First Bluesky Post 4/26/2023 let’s go
Bitcoin price: $28,180
Eth price: $1847
SP500: 4055
NASDAQ: 11854
Apple: $163.76
Bitcoin price: $28,180
Eth price: $1847
SP500: 4055
NASDAQ: 11854
Apple: $163.76
November 22, 2024 at 9:53 PM
Well… checking back in. Wish I bought more.
How are people even finding me to follow in the first place
May 6, 2023 at 9:49 PM
How are people even finding me to follow in the first place
[first date]
Me: Your profile said you're good at finishing sentences?
Her: Yeah totally
Me: Same! I just finished a 20-year sentence for manslaughter
Me: Your profile said you're good at finishing sentences?
Her: Yeah totally
Me: Same! I just finished a 20-year sentence for manslaughter
April 29, 2023 at 2:44 AM
[first date]
Me: Your profile said you're good at finishing sentences?
Her: Yeah totally
Me: Same! I just finished a 20-year sentence for manslaughter
Me: Your profile said you're good at finishing sentences?
Her: Yeah totally
Me: Same! I just finished a 20-year sentence for manslaughter
Crème brûlée from 1054 feet in Chicago
April 28, 2023 at 4:13 PM
Crème brûlée from 1054 feet in Chicago
Bluesky day 2. Is this place dead?
April 27, 2023 at 1:35 PM
Bluesky day 2. Is this place dead?
First Bluesky Post 4/26/2023 let’s go
Bitcoin price: $28,180
Eth price: $1847
SP500: 4055
NASDAQ: 11854
Apple: $163.76
Bitcoin price: $28,180
Eth price: $1847
SP500: 4055
NASDAQ: 11854
Apple: $163.76
April 26, 2023 at 8:47 PM
First Bluesky Post 4/26/2023 let’s go
Bitcoin price: $28,180
Eth price: $1847
SP500: 4055
NASDAQ: 11854
Apple: $163.76
Bitcoin price: $28,180
Eth price: $1847
SP500: 4055
NASDAQ: 11854
Apple: $163.76