Humphrey Yang

🎥 Personal Finance YouTuber: DCA & Chill. 📧

[Humphrey Yang @Humphrytalks]

You can use your agent to change the layout of RH Legend or create scans for stocks for specific criteria.

All users will have access to that today

[Humphrey Yang @Humphrytalks]

"The S&P 500 ETF spreads your money across 500 companies..."

It actually doesn’t.

If you invest $1,000 into an S&P 500 ETF like $VOO, almost $300 of your $1000 is going to just 7 companies

[Humphrey Yang @Humphreytalks]

How Long Should You Keep Your Car before getting a new one? Here are my thoughts 💭

[Humphrey Yang @Humphreytalks]

Average 401k balance by age (Vanguard, 2026):

Under 25: $7,259
25-34: $50,261
35-44: $120,742
45-54: $214,991
55-64: $305,006
65+: $330,186

Now the median for 55-64: $107,269.

Where do you land?

[Humphrey Yang @Humphreytalks]

💰 What net worth puts you in the top 50%, top 25%, and top 10% of America? The Federal Reserve just released brand-new data, and the bar moved a lot since 2022.

To get into the top 50%, the net worth starts at $215,900 dollars. That’s up from $211,100 dollars in 2022.

To get into the top 25%, the net worth here starts at $812,800 dollars. This is up from $721,100 3 years ago.

The main reason for the huge increase in net worth was that stocks have performed extremely well in the past few years, and the higher net worth bands own a lot more stocks.

To get into the top 10%? That starts at $2.54 million. That's up about $420K since 2022.

While your income matters, it has little to do with how you get to the top 10%, net worth is more of a reflection of how much you keep, and how old you are.

The majority of this tier is comprised of families aged 75 and up, not people in their peak earning years, and also 97% of the top 10% of Americans own stock in some form, versus only 31% of the bottom half.

So to get rich, own stocks - and stay in the game for a long time.

[Humphrey Yang @Humphreytalks]

How Much $ You Should Have By Age, based on Fidelity's checkpoints if you earn $100K:

Age 40: 3x ➡️ $300K
Age 50: 6x ➡️ $600K
Age 60: 8x ➡️ $800K
Age 65: 10x ➡️ $1M

The median net worth for people in their 60s is $290,920.

So most people are behind. That's not bad, it's a reason to start now.

[Humphrey Yang @Humphreytalks]

$META announced a 2 for 1 stock split today. Effective January 2027. Here’s how it works:

Imagine a share of Meta stock being a big pizza that costs $700 dollars - now, they’ve just cut that pizza into 2 halves.

Allowing you to buy 1 half of the pizza for 50% of the original cost.

So each half now costs $350.

The market cap, or value, or Meta remains the same - around $1.8 Trillion, they’ve just increased the number of shares out there.

So Stock splits dont inherently change the fundamentals of a company, but yet it can still be a bullish signal for future investors.

A lot of it comes down to psychology.
A high price for a share may scare some investors away, but splitting the stock can create this perception that it’s now more affordable, which in turn boosts demand overall.

According to bank of america analysts, it usually means the stock will outperform the broader market one year later — but thats not always guaranteed.

Do you own Meta? Let me know below.

[Humphrey Yang @Humphreytalks]

👀 This is too much money to have in your emergency fund. Assuming your burn is $4000 a month, overfunding your emergency fund is a wealth killer.

I know people keeping $80,000+ in a high yield savings account because it makes them feel better, and they like the idea of having more of a buffer between them and a catastrophic emergency.

But when you have 16-24 months of expenses parked in cash, that excess money is costing you in terms of opportunity cost.

Say your monthly expenses are $4,000. A 6-month emergency fund is $24,000. A 16-month buffer would be $64,000.

That extra $40,000 sitting in a high-yield savings account at 3.5% instead of being invested at roughly 9% could cost you about $145,000 over 20 years.

The point is just to be intentional about how much you actually need. Anything beyond 6 months that you're holding in cash could be a symptom of having a scarcity mindset.

[Humphrey Yang @Humphreytalks]

💰 If you can hit the $1 million dollar milestone, here’s what no one is going to tell you:

1️⃣ First, it’s rare. Only about 18M US Households have a net worth over 1 million, and most of them have it tied up in home equity. 6 million US households have $1 million in liquid net worth.

Using the 4% rule - you’ll be able to generate about $40,000 a year with this sum, and if you’re able to add in social security payments as a household, that could put you at a yearly income of around $80,000 per year.

2️⃣ Second, in most scenarios, you get to $1 million with the market working for you. If you invested $1000 a month, for 25 years or so, you would have contributed $307,000 while the market put in the remaining $693,000 dollars. More than 2/3 of your million was created by your own money doing the work.

3️⃣ Third, very little will change when you hit $1 million. The feeling of hitting it usually fades within weeks, because people adjust to new wealth fast - and just because your wealth number ticks up, doesn’t mean that your life changes instantly.

4️⃣ And fourth, the swings are crazy. If you’re down 3% in a million dollar portfolio, that’s $30,000, and that could happen in a single day.

Technically this is the last of my milestone videos, but if you want to see a $2 million milestone video - let me know in the comments, and thanks for watching!

[Humphrey Yang @Humphreytalks]

💰 Once you hit the 500k milestone, you're halfway to a million in terms of dollars, but in terms of time, you're actually more than halfway.

If you invested $1000 a month, the first half a million will take you 18 years, the second half - only 7. There are also 4 big changes you're going to notice at this level.

1️⃣ The first is that most of your money isnt actually “your doing” anymore. If you invested $1,000 a month, over the course of getting to $500k, it means you put in about $220,000, but the market made up the other $280,000. Thats pretty cool, and at $500k - your portfolio could earn $40,000 a year at an 8% return.

2️⃣ Second, this is where people get in trouble. They think that if they take more risk, theyre going to hit $1 million faster, but at $500k, youre already going pretty fast and you just need to focus on not derailing that progress.

3️⃣ Third, now a 20% dip on your portfolio could be well over six figures, and thats about 8 years worth of saving at $1,000 a month. Of course, these are just paper losses, but if you actually sell them in a panic and realize those losses, that loss becomes real, and it can cost you years of your contributions.

4️⃣ And fourth, if you hit this number by the age of 45 and you never invest another dollar, you'd have about $2.3 million by the time you're 65.

[Humphrey Yang @Humphreytalks]

💰 After you hit $100,000, the next money milestone is what i call the Crossover point. This is where your money starts to earn as much as you save on a normal basis. And 3 things change one you hit this milestone.

To find yours, multiply what you invest per year by 12.5. At $1,000 a month, thats $150K.

1️⃣ The first thing that changes is that your account grows twice as fast as you save. On average, if you put in $12000 a year, and the market adds another $12000. So at this point half your progress isn’t coming from you, its from your portfolio.

2️⃣ Second, your deposits are going to feel tiny. A 1% move in your portfolio is now $1500 dollars, and that can be more than your entire monthly contribution of $1000 a month. This may make it feel pointless to save, but you need to keep going at this stage.

3️⃣ Third, one panic sell can seriously set you back. A 20% drop at this level is $30,000. If you sell and lock that loss in, that wipes out two and a half years of savings.

Keep in mind, your crossover point changes with how much you invest. Invest $500 a month and its $75K. Invest $2,000 and its $300K. The more you put in, the bigger your portfolio has to be to match it.

Either way, if you reach it, its a huge milestone. Next up is the big $250K mark. Follow so you dont miss it.

[Humphrey Yang @Humphreytalks]

The top 50% of American families has a net worth of $215,900.

The top 25% starts at $812,800. Three years ago it was $721,100.

The top 10% starts at $2.54 million. That's up about $420,000 since 2022, after inflation.

This is all according to the latest wealth survey by the Federal Reserve.

[Humphrey Yang @Humphreytalks]

💰 Once you hit $250,000, your money really starts to outwork you, and there are 3 huge changes you will notice once you hit this milestone:

1️⃣ The first is that one good day in the market can match a months worth of work. If you have $250k invested, a 2% gain in the market is $5,000 dollars. Thats more than most people’s paychecks you could make in a day, while you didn’t have to do anything.

The dangerous part is that this may actually lend itself to you spending more money in real life because you’re thinking in the back of your head “well, I made $5K doing nothing this week, I can certainly get those Taylor Swift tickets for $1000 dollars”

2️⃣ The second is that if you hit $250K early enough, you’ve reached CoastFIRE. At 35 years old with $250k, if you never invest another dollar, it grows to about $2.5 million by 65 using average market returns. Even accounting for inflation, thats roughly a million in todays money, for doing nothing. So it’s huge if you can get here early.

3️⃣ And the third is that you have more options with your career. You dont have enough money that you can completely retire, but you could negotiate harder for raises, walk away from a bad job for a few months without financial ruin, and you can even take a short term pay cut for a role that you know has higher upside later.

The next huge milestone is $500K, I’ll make a video on that too, so make sure to follow me here so you don’t miss it.

[Humphrey Yang @Humphreytalks]

And it’s not AI… holy

[Humphrey Yang @Humphreytalks]

👀 After you hit $50,000, the next money milestone is $100K! And there are 3 big changes you will notice once you hit this number.

The first is that your portfolio starts to pull its weight. At 8% average returns, $100K invested earns about $8000 a year, or roughly $670 dollars a month. If you were contributing $1000 a month, the market is now doing 2/3 of the work of what you usually do on your own.

The second is that your identity will start to shift. You're not someone “trying” to invest anymore. You're an investor, and you’ve proven you know the exact system to get you to 6 figures. And now the only thing stopping you from getting to 7 figures is simply just time and contributing more.

And the third is that market dips will start to hurt. A 20% dip on a $1,000 account is $200. On $100K, it's $20,000. If you were saving $1000 a month, that's 20 months of savings gone on paper. So you can’t think in absolute dollar terms anymore, you need to start thinking in percentages.

The next huge milestone is the crossover point, where your money starts earning as much as you save. And it probably comes sooner than you think. That will be the next video, so follow so you don't miss it

[Humphrey Yang @Humphreytalks]

Wow lets go! X Giving out payouts for videos? You'll start to see me posting videos 😎

[Humphrey Yang @Humphreytalks]

There's a point where the market starts working harder than you do.

Take what you invest per year and multiply it by 12.5.

$1,000/month ➡️ $12K/yr *12.5 = $150K

Past that number, an average year of returns adds more to your account than you do. Getting there is the hard part. After that it gets easier every year.

[Humphrey Yang @Humphreytalks]

$500/month for 30 years at 8%:

Years 1 - 5: you put in $30K, the market adds $6700.

Years 26 - 30: you put in the same $30K, the market adds $240K

Same $500 a month, but 35 TIMES the payoff.

The biggest mistake would be quitting too early, you gotta get to year 26.

[Humphrey Yang @Humphreytalks]

If you save $1,000/month for 7 years at average returns, ~84% of your first $100K is your own deposits.

Your first $100K proves you're good at saving, not at investing.

Don't "graduate" to stock picking and options because index funds feel too simple now.

[Humphrey Yang @Humphreytalks]

Same $60K salary. Same 8% market return. 35 years...

Save 5% 👉 $558K
Save 10% 👉 $1.1M
Save 15% 👉 $1.67M
Save 20% 👉 $2.23M

The median person in their 60s has $290,920 saved.

Even the 5% saver beats that! Your savings rate is the lever.