Hey guys! If you're comfortable sharing your net worth or how much you have saved, leave a separate comment here. Thanks for watching again :)

@abeott5866

2 жыл бұрын

25 years old with a BA. 40k invested, 5k in savings 10k of student loans left to pay off. Thanks for another great video!

@lucatesar1692

2 жыл бұрын

Just turned 19, net worth around 15k, about 6k in the car, 3k crypto, 3k ETFs in roth ira, 1k stocks, and 3k in cash

@bjjlunatics

2 жыл бұрын

Hey Humphrey. So I am 19 and I have 30k Invested in crypto and stocks. No student loans. Can you help by telling me what should I aim for next?

@lucatesar1692

2 жыл бұрын

@@bjjlunatics dude if you can keep building that capital and maybe a good credit score to boot maybe try real estate idk I wanna get into it eventually, just workin on capital for down payment and credit score

@shouahang3038

2 жыл бұрын

This is great content. It really puts finances in perspective to time. I never really knew about being financially savvy until the past few years. I just thought If you worked and put in your hours, save some money, paid off debts that life would just happen. I’m thirty, have student loans and a mortgage. But I’m Happy to say that my investment portfolio has doubled what I’ve put in so far and I also have some savings for immediate cushion. Life is beautiful!

As someone who does not own investments, it kills me that my fellow college buddies who decided to buy are inverse financial mutants (to keep it PG) have a higher net worth than I do simply because of their asset appreciation!

@VanillaCherryBread

8 ай бұрын

Some of my coworkers did this 10 years ago and I just didn’t understand back then. Now they are living better than me and I sure got the message. 😅 Some of them don’t even need to work!!!

@Couchlnvestor

8 ай бұрын

Owning profitable businesses, income producing real estate, stocks, bonds, dividends is one of the safest ways to grow your nest egg! Trust me, we’re well into the “messy middle” and our portfolio is touching, if not slightly in excess of $2 million. 😊 It all just sorta happened. We made common sense decisions financially all along the way, and now we’re here, and still a few years away from being 40. We both began our working careers in the wake of the 2008 financial crisis and seeing what could happen made us want to prepare ourselves to be able to weather another financial storm should it ever arise. To me, that’s a big contributor to the decisions we made back then, that got us where we are today.

@henrymitchell9717

8 ай бұрын

holy crap amazing, Jason! The fact that investing is not taught in schools is almost criminal. If only people took the time to become more financially literate, most of ‘em are gonna come out ahead of most of America.

@LiquidityOcelot

8 ай бұрын

@jasonhoberman6662 ​​⁠ How did you did it? I’m guessing you could do this without a six figure income. Certainly possible if you play your cards right.

@StonksLifestyle

8 ай бұрын

Are you using a company for this or doing it on your own? I put in a small amount of money over a year ago and I’m barely breaking even.

I love this video! Will be sharing on my FB! I don’t mind sharing. I’m 32, no debt aside from 2 mortgages (1 rental property, 1 residential), 3 paid off vehicles (1 luxury, 1 for daily and a motorcycle), 142K in retirement, 31K portfolio, 28K in savings, kid’s college is paid off due to my military service, and the army paid for my masters. I was an immigrant from the Philippines and was homeless at one point. Thankful to Uncle Sam!

@MrStrandy17

2 жыл бұрын

Dude that's awesome, how did you do it?

@Snappaya

2 жыл бұрын

@@MrStrandy17 im assuming his military service did help and benefit him to have higher education, start saving/investing, and buy his housings/vehicles

@plvt0n1vm

2 жыл бұрын

@@Snappaya military helped him with a lot lol

@Xpicklev1323

2 жыл бұрын

Congrats

@Hboogie182

2 жыл бұрын

What do you do for a living?

Amazing video, A friend of mine referred me to a financial adviser sometime ago and we got to talking about investment and money. I started investing with $150k and in the first 2 months, my portfolio was reading $274,800. Crazy right!, I decided to reinvest my profit and get more interesting. For over a year we have been working together making consistent profit just bought my second home 2 weeks ago and care for my family.

@Deborah-1x

Ай бұрын

Hi. I’ve been forced to find additional sources of income as I got retrenched. I barely have time to continue trading and watch my investments since I had my second child. Do you think I should take a break for a while from the market and focus on other things or return whenever I have free time or is it a continuous process? Thanks

@Christian-3e

Ай бұрын

@@Deborah-1x However, if you do not have access to a professional like JUDITH ANN PEACE, quitting your job to focus on trading may not be the best approach. It is important to consider all options and seek guidance from reliable sources before making any major decisions. Consulting with an AI or using automated trading systems can also be helpful in managing investments while balancing other commitments

@Deborah-1x

Ай бұрын

@@Christian-3e Oh please I’d love that. Thanks!

@Christian-3e

Ай бұрын

@@Deborah-1x Judith Ann peace is her name

@Christian-3e

Ай бұрын

Lookup with her name on the webpage.

I get discouraged a lot when I see people my age that were handed a silver platter. Your videos help me remember that I am on the right track, but things just take time, patience, and learning.

@ykonratev

Жыл бұрын

You get discouraged instead of motivated when you see smart families actually building wealth? Dam bro

@smurfpoppin4470

Жыл бұрын

I was born broke and my mom was slinging dope, she turned her life around when I was a kid and put me in a good area, you're the curator of your own reality, stop bullshitting yourself and start sculpting the life you want. I'm a fat fuck personally that's my sin but I'm by far the most financially well off just due dedication of enlightenment and the yearning to not be broke, I work less than 35 hours a week allot of the time. You just gotta scale anything you do and make sure it cost little nothing to start making money.

@shazam2323

Жыл бұрын

i was handed nothing, grew up lower middle class if that and according to this video am WAY ahead of people 10 years older than me...

I'm 24 and got to 100k in my brokerage account! about 50k in a traditional IRA and about 20k saved in a traditional savings and checking account. I started investing right when I turned 18. Went to a Community College instead of a traditional 4 year college so the college pretty much paid me to take classes. I also applied to every single scholarship I could and worked 2 jobs. Hustling hard. Thank you for the video. There needs to be more financial transparency.

@melissahernandez1449

2 жыл бұрын

Hi! I’m 23 & I would love some advice! Are you on any other social media ?

@seanseedharie668

2 жыл бұрын

Much respect

@silogreen3367

2 жыл бұрын

wow! thats awesome!

@asdfghjkl-oo7lv

2 жыл бұрын

What is your salary now?

@lilpup102

2 жыл бұрын

@@asdfghjkl-oo7lv My main job makes 65k a year . I'm trying to have more side hustles that will one day pass my typical 9-5 job but in the mean time, they're just hobbies that make a little over 1k a year.

I am 42 and my net worth is just at $20,000 in cash/investments. My house is paid off though and I’ve got no debt. I’ve been sober now almost 2 years and been so much better with my money and other aspects of my life. Drinking, the lawyers involved with that (I was a bad boy) and a divorce, and quite honestly just not understanding money all my life has left me with some catching up to do. I appreciate your videos and I make sure to send them to my two college aged boys so that they can do better than I have with the money! Thanks for all you do Humphrey!

@joshgarcia7148

2 жыл бұрын

You bring up a great issue. With all the weird stuff going on with education right now, I've been having a lot of discussions with my highschool aged son. He has expressed frustration that they are learning some really fringe stuff, but have covered nothing about what or how to manage the money they will make after graduation. I think this should be a part of the core curriculum and personally hate that I'm trying to learn what I can now (in my 40s) when I could have done so much earlier (almost passively) and with very little effort. We go to school to gain employment, work to make money, than have no idea what to do with the end product.

@Yolomamba24

2 жыл бұрын

Your net worth includes your house that you already paid off! And with no debt, you are doing very well imo!

@mitchellmorris8485

2 жыл бұрын

Keep it up fam!

@aiel1740

2 жыл бұрын

@@Yolomamba24 exactly

@brandtrice9403

2 жыл бұрын

@@Yolomamba24 yeah im guessing his networth is alot closer to 300k if his house is paid off and with how the market is right now

Just turned 29. My overall net worth is $172k. $72k in my 401k, $80k in brokerage/roth ira/hsa, $20k in savings/money market mutual funds. I went to a traditional 4 year college, got a marketing degree and CS minor. Parents didnt pay for any of it, so i paid down my ~$50k debt extremely aggressively right out of college and lived below my means. I still live below my means on my $155k salary and save ~60% of my income.

@gregoryjester5167

Жыл бұрын

Keep up the grind king

@legofeak12

Жыл бұрын

60% of that salary is huge good for you bro

@dwirthUSA

Жыл бұрын

Where did you end up getting a job? Was it somewhere you wanted to be like your hometown?

@carrrrrrrlos3306

Жыл бұрын

@@gregoryjester5167 will do 👍🏼

@carrrrrrrlos3306

Жыл бұрын

@@legofeak12 appreciate it! Just living minimally and trying to only spend on things I care about

I’m 23 and my wife is 21. I did trade school and she is currently in college with no loans. We both work, giving us a combined income around 120,000 to 130,000 before tax. I have roughly 14,000 in IRAs, and just over 60,000 in cash ( includes emergency fund.) Our goal is to have 90,000 minimum in the bank by the end of the year. It’s difficult watching buddies buy cool toys and trucks, but I feel better about delayed gratification and post poning the cool stuff.

@johnrodriguez411

Жыл бұрын

That's a very good start! I hope you're taking advantage of the high interest rates - I make about $130/mo in my high yield savings account

@kidlo2050

Жыл бұрын

Same. I'm a welder and I want to buy sporty vehicles, bikes, and stuff but I know it won't end good if I do it now.

@MoistDelta.

Жыл бұрын

I'm the same way. I'm 21 and spend very little on myself in the present because I'm investing for my future. I have a net worth of around 45k because I've been consistently investing almost all my money since I turned 18. Delaying gratification is an extremely useful skill and gets you ahead of 90% of people maybe more. Time is our greatest asset

@Smitty_Werbenjagermanjenson

Жыл бұрын

Damn, dude, that's incredible. Just don't blow it and keep making regular 401K and IRA contributions, and you could retire early while swimming in cash!

@frijo-lito

Жыл бұрын

I was in college half way through two degrees and I end up doing a trade in the middle of it. I'm a concrete laborer ATM and I can say I'm making more then I would have been.. still plan on doing my school since it's opens my investment opportunities a lot

I am very young at 16 however I started a Roth IRA in July and have invested 1250 already, I’m exited to see how it will grow as I become older.

@tyreebennett509

2 жыл бұрын

buddy max that roth out every year and if you by 21 u qont have to put anymore money into it and u will be a millionaire by 60

@VNSJ

2 жыл бұрын

Make it a goal it deposit 375 per week!

@conansredbowtie

2 жыл бұрын

Good on you. I wish I took interest in investing at that age.

@joe62845

2 жыл бұрын

I'm jealous. I wish I started when I was that young, but had no clue about retirement at that age. Keep up the good work!

@MutinyVids

2 жыл бұрын

I wish I was as smart disciplined as u at 16 I didn’t wake up until I was 25 and didn’t start investing til 28

The "idea" of retirement is the complete contradiction of 40 years of effort. The mind shift surely creates considerable stress for many. I don’t know who, but someone needs to hear this, you’ve got to stop saving all your money. Venture into investing some if you really want financ al freedom.

@wilfredmonaghan9864

2 жыл бұрын

This market place is one very complex piece and maximum human beings pay extra interest to the shiniest positions at the graph that's why it'll constantly continue to be a coins den for folks that understand wherein to look. Get a assist and feature your cash paintings for you.

@samanthakimberly7486

2 жыл бұрын

Most new traders make the mistake of trying to trade directly without having the necessary skills to profit from the market

@callistterjunior5280

2 жыл бұрын

I recognize the reality that day after today isn't always promised for anyone, however making an investment is a tough component to do due to the fact I don't have any concept of ways and in which to put money into these?

@sergeknabry2386

2 жыл бұрын

Very helpful. I needed to hear this today

@camilcristiano8370

2 жыл бұрын

@@sergeknabry2386 I am copying EVELYN MONPING operations. She is a genius at diversification and trading. Our portfolio has grown at an incredible rate. Contrary to what I can say about my IRA just by walking. My portfolio reflects who they are, as well as the specific industry I have chosen.

I’m 26 years old. Graduate with a masters degree in engineering at 24 and I’m $2k in debt. Keep grinding people, the hard work will pay off. Love the videos Humphrey 🙌

As someone who is 25 and my net worth is like -,4000 but growing quickly this video made me feel a lot better about my financial life. I was not taught a lot of the things I've learned from this channel and other financial advice videos and rules like your salary x your age divided by 10 made me really self-conscious about where I am but when I saw 30's average net-worth I feel much much better!

@PlsDontReadThis123

Жыл бұрын

I'm supposed to be at 179k savings by this point. I do not know a soul with savings like this lol.

So I don’t mind putting my financials out there. I’m currently 31. Before this year, I really never invested, put into retirement or did anything really financially smart. As of today, mine and my wife’s cars are paid off. No debt other than our house. I have $7k in retirement and $4k in my dividend portfolio. I may not be among the top of my age bracket but happy with how far I’ve come in just 10 months!

@taylorgreen8297

2 жыл бұрын

Also about $3500 in crypto and $3k in my personal checking. The crypto got a little out of hand. Lol

@MutinyVids

2 жыл бұрын

You can count ur equity in ur house

@josephbridges7470

2 жыл бұрын

You are vastly ahead of most 31 year old people. Most people your age I know think $3-5k trips to Europe for a few weeks every year are a great way to spend money or even go to Disney twice a year and spend the same.

I’m 32, I have 64k in employee stock, 130k liquid that’s going toward the close of my primary home next week (there’s an ADU on the property, which will rent for over half of the total mortgage), 35k nest-egg post-close, 90k in Roth 401k, car is paid off, and my student debt is paid off! My dad was a lawn care worker and my mom was a waitress/lunch lady. It has been such a rewarding adventure to become financially stable and independent!

@ygbodybuilder3023

2 жыл бұрын

Are you single 😍

@InvincibleAkuma

2 жыл бұрын

impressive, but working for other people does not equal to independent, imo. I am 32 too, with 330k mortgage. I cant stand working for other peoples business. Trying to start something of my own, although i know its risky.

This makes me feel great. I’m about to turn 29 and my wife just turned 31. Between both of our 401k’s, my Roth, our savings and her pension, we have about $330,000. We also owe $239,000 on our house that is valued at $529,000. Hoping to pay this off in the next 10-12 years so we can be millionaires! We both graduated college 100% debt free at a state university thanks to scholarships and working full time while in school. My employer also fully paid for my MBA.

@Julez1989

Жыл бұрын

yo guys what the f*** are you doing over there in the US. Even if I saved 50% of my entire net income from age20 all the way to 30 I would not have nearly what you have in your 401k, Roth, savings whatever. And on top of that you really gonna make me believe that have a house that is already 100% worth more than the debth. Not sure how that would be possible. PS: I am an engineer in Germany for a really well paying company. Imagine being a billionaire at 40 while just being an employed college graduate. If what you say is true then the US enonomy will surely crash in the next 10 years.

@jaylonbachman

Жыл бұрын

@@Julez1989 the housing market boomed ever since Covid. My wife and I bought our house for $342,000 in Jan. 2017, and in 6 years the housing market absolutely exploded due to supply and material costs….. not to mention lack of available houses in the fastest growing city in the nation. All that to say, believe it….. $529,000 is a conservative appraisal by the county. I’m sure a real estate agent could get me even more. For a living, I work in the auto industry. Just been working and investing since I was 16, and so has my wife. I can’t speak to the salary differences between the US and Germany. And to your last point, yes, I agree…… I can’t imagine a major correction not coming soon which would certainly deplete a lot of our retirement accounts. Guys like Peter Schiff are big bears that have been predicting another major crash since 2008, it just hasn’t happened yet.

@Julez1989

Жыл бұрын

@jaylonbachman well then that's good for you. It got more expensive in Germany as well but not even close to what it seems to be in the US. And it's amazing that you were able to start at 16. I only started in my late 20s because I had virtually no penny to spend during my studies. When I finally started (in 2019) and had a bit together, the market took like 50% due to covid ...

@jaylonbachman

Жыл бұрын

@@Julez1989 the US also printed $6 trillion in 2020 that caused inflation to skyrocket. Prices of literally everything have gone up tremendously. So, bigger retirement accounts don’t equate to more purchasing power, unfortunately.

@DefenestrateYourself

11 ай бұрын

@@jaylonbachman corporate greed was the biggest driver of inflation

This video made me feel good about my position! Recently turned 25, overall roughly $43k in savings, stocks, Roth IRA, etc. and only $7k owed on my vehicle. I was able to have student loans paid off over the pandemic and am so close to living debt free!

@gothangel9975

2 жыл бұрын

this is nice to hear, I'm 19 and going to college for paramedic next year. only $1300 invested but I'm going to consistently put more in!

Age 28, and net worth currently at 61K. I’m in the Army, so luckily they paid for my education and I occurred zero student loan debt. My current goal is to hit 100K by age 30, I’ve done the math and I should be around the low to mid 90s by the time I get there. But overall big picture, I’m still way ahead of most my peers. Great video ! 👏🏼

@kingdaniel4195

2 жыл бұрын

That’s pretty good . I was thinking about going Military but I’m 26 . E-1 doesn’t pay a lot but Atleast I’ll have a steady income

@happy153ful

2 жыл бұрын

I would say military is great if you are smart and pick a good job. My husband picked military and I picked college. I do envy his job experience but the military life is certainly not for the faint of heart. I think more people need to talk about affordable colleges that can actually be paid off with a part time job. They exist I went to one and got a job with the same salary as people who were in debt up to thier eye balls. Love how media keeps putting out that everyone is in debt to normalize it so future generations don't think twice about the price. Sorry education isn't priceless. Also good job picking a practical career with a good return on investment.

@AJtheone93

2 жыл бұрын

@@happy153ful I would suggest either going the National Guard or Reserves route if I had to do it again. It’s only part time, and definitely not as stressful. Still have them pay for your education and if not, go to community college. Too many people try to go to these “big name schools” for no reason. But I guess to each their own 🤷🏻‍♂️

@StevieD44

2 жыл бұрын

@@AJtheone93 good stuff man. I was active and saved a lot too. A lot of soldiers spend too much on cars. I got lucky with my CO and didn’t make me get a meal card. Saved a lot of money!

@donaldobodden1540

2 жыл бұрын

Good job!!!! Thank you for serving our country. I'm also in the Army about to retire next year or so

This year was the big 30 for me and my wife. Extremely blessed. We started from nothing and we now make combined 150k-180k a year. Both went to trade school, married and debt free by 23. Paid off all our debt while only making 28k a year. Anything is possible.

@michaelgraham8191

Жыл бұрын

What trades?

@devinmacclary8209

Жыл бұрын

I feel trade school is seriously overlooked now days. I went through it also and it's set me up pretty well

@tonkatown8008

Жыл бұрын

@Michael Graham My Wife is a hair stylist which cost about $6,500. I went to a technical school for Business management for less than 10k. Technically mine wasn't a trade. But I'm still considered "uneducated" by society standards.

@sunnymoney1983

Жыл бұрын

That’s an amazing story! I’m happy reading this!

I’m 25, here’s my rundown: Salary: ~$65,000 a year I have an associates degree, half done with bachelors. Zero student debt. I do not have a credit card. Stocks: $15k Crypto: $5k Roth IRA: $27k Checking/savings account: $4K Bought a house at age 23: owe $180k. Not bad. Setting myself up for success in the long term.

@sethmills2137

2 жыл бұрын

You are doing exceptionally well for your age! Excellent work. You will be well established financially in the future.

@TheSushiandme

2 жыл бұрын

King. I am 31 and I'm broke asf... Working for $13... I will be a slave til i die

@InvincibleAkuma

2 жыл бұрын

lol, my mortgage is 330000. I am crying.

@kiegan923

2 жыл бұрын

You need to get a credit card! 😳

@pingpong4016

2 жыл бұрын

@@kiegan923 I’ve had one before, but I don’t anymore.

I'm 31, partner is 34 (engaged). I was more financially savvy in my 20s and started saving/investing early. In the last year he's gotten on board with investing, setting goals, and tracking our finances together. Since then, we've been able to build up our portfolio and reach $1 mil in investments/savings. The goal is passive income with dividend stocks.

@kylezammit1868

2 жыл бұрын

this is actual goals

@Julez1989

Жыл бұрын

Funny how literally every single! American is a billionaire by the age of 30 by doing literally nothing but college and work xD Your economy is f***ed. The US is a literal joke

Great video! My numbers by age: Age 20 = 10k debt (college) Age 25 = zero net worth (college debt, but some savings) Age 30 = 10k saved (no college debt, little saved from low graduate student salary) Age 35 = 20k saved (postdoc salary wasn't much either) Age 39 (now) = 110K saved + 12.5% of my current salary as a pension Savings will take a hit when I buy a house...

@harveyquinn3535

2 жыл бұрын

I’d wait to buy a house homie. Markets gonna bust within 2-5 years

@john-paulrose1581

2 жыл бұрын

@@harveyquinn3535 Also watching and waiting for such, the more land you can grab in a good area the better too, always safe to have back up options/plans.

@Kcducttaper1

2 жыл бұрын

​@@harveyquinn3535 Depends on where you live. I wouldn't be surprised if super expensive places (Seattle, LA, etc) will stagnate or drop in the next few years. On the flip side, I think cheaper parts of the country (Kansas City, Tulsa, etc) will get a bit of a boost. Reason being, the lockdowns from the pandemic made people (and companies) realize that many of their employees can indeed work remotely without much issue. Therefore, people in less expensive parts of the country are snatching up remote work from companies in Seattle and LA, therefore swiping up some of that higher salary. Generally speaking, the housing market, as a whole, doesn't 'burst' so much as just kinda stagnates. It's not as volatile as stocks or the market.

@brockspcconsulting

Жыл бұрын

@@Kcducttaper1 companies continuing to allow remote work, even in the software space, are starting to dwindle every day. more and more companies are calling for return to office and laying off workforce that are not complying with it

@Kcducttaper1

Жыл бұрын

@@brockspcconsulting It's a slow trend, sure, but there are still a lot more full remote jobs now than there were before. Although remote jobs do seem to be the first ones laid off.

Age 29 No Debt Net worth 65,000 with retirement accounts 12% monthly + 6% company Match. 3 years completed. Plenty of time to compound.

37 years - 290k in various retirement accounts. 35k in savings. No debt. 92k salary. I always think I'm not saving enough, but I guess I'm doing ok.

I'm 22 and my net worth is about 110k. I worked full time in college, barely took out loans, and got a full time job right out of college making 50k. I hope to get a few years of experience and move onto a 70k job.

@jackdaemon1056

2 жыл бұрын

I'm 19 making 40k a year and you are officially my rival

@LR.1995

2 жыл бұрын

That's insane.. You must have had some huge growth investing in stocks

@StevieD44

2 жыл бұрын

Wow. Good stuff.

@18rickster18

2 жыл бұрын

How’d you make the money ??

@allenwang2894

2 жыл бұрын

22 as well 90k net worth. Income around 76 to 110k

Age 21. Net worth about $100,000. I was fortunate enough to get paid to go to college on top of working full time in a decent job. My wife and I are buying a house and we close next week.

@humphrey

2 жыл бұрын

WOW. Best i've heard, that's crazy bro. Congrats on your early success, keep it going!

@CharlesPanigeo

2 жыл бұрын

@@humphrey Thanks Humphrey! I got started early thanks to my dad whose a financial analyst. Your channel and other financial channels have also inspired me.

@Pabmyster

2 жыл бұрын

You have your life on 2x speed, dayum. All I will say is, make sure however you're splitting payments between you and your wife is fair for both of you. You're young and married, if heaven forbid anything goes awry you want to make sure it doesn't end badly. I know someone who lived with their partner for 5+ years from a young age, got a house together, and he was footing the bill despite his partner being on the mortage as well. Things didn't end well and now he has to buy her out despite paying for nearly everything.

Here I was feeling like I was behind. But your content just showed me that I’m right on pace. I could stand to pay down more debt, but that’s an active journey that I’m on. So in due time the debt will be gone

I'm 31, and I'm at about ~$140k net worth with no debt. ~$20k cash (emergency fund + saving for a down payment), $5k in non-retirement investments, and $115k in retirement (a combination of a rollover traditional IRA, Roth IRA, and my current company 401k). I graduated in 2015 with ~$60K in student debt that I aggressively paid off, so I've increased my net worth by ~$200k in 8 years. In those 8 years I've gone through a major career change, and I had about 1.5 years of unemployment between that career change and COVID. I currently make ~$90k annually as a software quality engineer. I'm extremally meticulous about my finances and I track every single purchase that I make in my monthly budgeting spreadsheet.

32: own 15 houses with mortgages (about 50% equity), no cc debt, car note, $130k liquid, $26,000 in SD IRA. The rentals cash flow $80,000/yr after all expenses

I just turned 29 and have 117k saved with around 44k of it invested. I bought a pre-construction condo earlier this year and had to put around 92k down (Canadian real estate is a bit crazy). Which means that if I didn't buy that condo earlier this year, I would've had around 209k saved. All of this was only possible because I still live at home.

When you make the mental shift from having the 90% of my money in a bank account and 10% invested to 90% invested and 10% in my bank account you’ll see your money grow substantially more. Made that switch in my mid 20’s and everything changed. Net worth went from a constant $40k to $250k in 6 years.

25 years old. I went to my local community college and had grants to pay off 99% of my tuition. (Very lucky, but very thankful) Got out of college and got a sales job at the company I dreamed of working for since I was in middle school. I’ll be averaging $65-70k a year (just started last year) At the moment, I have no debt and $20k in my saving.

A crash and bullish market provides equal high-yield potential, it's all about information and strategy application, I've seen folks make huge 7figure profit in a crashing market and pull it off much easily in a bull market , Unequivocally the crash is getting somebody somewhere rich..

@Harperrr.99

Жыл бұрын

well *politicians for certain are gaining off the crash, and true the average individual could profit off a crash but such high-grade investing come with equal risk which c@n only be managed by a proper pro or exprt.

@MiikeFaber

Жыл бұрын

@@user-3456rtu my 401k has particularly lost everything gained since 2019, who is your coach if this is not too much i'm asking?Been doin sum research lately.

@MiikeFaber

Жыл бұрын

@@user-3456rtu insightful.. I curiously looked up her name on the internet and I found her site, thanks for sharing..

A lot of people sharing their personal finances, but leaving out where they live. It matters a lot.

@Duar1503

2 жыл бұрын

Facts

I turned 29 just recently, as a nurse in socal we make around. $40-50/hr base This varies a lot due to extra shifts and differential and shortage bonuses. I paid off my school loans 1 year ago, and have at least 1x my annual salary.

@supreme5998

Жыл бұрын

Isn’t it nuts that nurses make double up north in the same state? I would totally just travel to work if I was in socal

Just turned 21, and nobody in my family cared to teach me because I’m a woman. Thank you so much! This helped a bunch

@Kcducttaper1

2 жыл бұрын

What does being a woman have to do with anything? I'm a dude and, in their infinite wisdom, our beloved screwball education system concluded that analyzing Romeo and Juliet was more important than anything with finance. It's nothing to do with gender and everything to do with our pathetic excuse of an 'education' system.

@Jac0b22

Жыл бұрын

Because woman just find a successful man and mooch off him

@BlakLotus

Жыл бұрын

Youre still ahead at 21 years !

I just turned 20, i have about $15k in my tfsa, $2.5k in rrsp, and have an emergency savings fund of $5k. I am a first year plumbing apprentice and for all the young adults that are still unsure what they would like to do, I would highly recommend getting into the trades. Not only do you get to do the job you were hired for, but you get to see what other trades do and maybe you'd want to try that instead!

@junglexlife

2 жыл бұрын

Good for you for going into trades. Canada especially Toronto has a shortage of trades and as the current ones retire it will be a huge supply and demand issue. Within the next 10 years, trades people will earn the same as lawyers, doctors etc.

@jbyers3005

Жыл бұрын

I got my journeyman’s last year. Crazy how time flies. I started out at 15 dollars an hour and now I make mid 30s. With overtime it’s killer. Stick with it dude, it’s worth it.

Clarifying question: it seems like you are using “saved up” and “net worth” interchangeably. When I hear saved up I think money in the bank (liquid). When I hear net worth I think all assets minus liabilities. When you say 5 to 6 times your salary saved up are you talking about liquid cash saved up or just your total net worth. Just asking because I have some investment properties that I owe mortgages on but have increased a lot in value over the past 5 years.

I’m 20 years old and have about 35k in the bank. I’ve been working side jobs since 16 and landed a decent construction job at 18 that I am still working at. Thankfully my dad has been letting me stay with him so I don’t pay rent. With that being said, I would like to move out soon and start making investments but am not sure where to start. Suggestions/advice would be appreciated.

@MrNGTfan123

2 жыл бұрын

Don’t move out that’s my suggestion, I’m 24 and live at home I have 116k. Nothing wrong with living at home and saving. As far as investing goes idk if you’ve heard of Graham Stephan on KZread but he has some good investing advise for beginners👍

@user-td7xf3gz4l

2 жыл бұрын

Dave ramsey

Age 26 and about 80k now. Was very fortunate for scholarships and grants to fund my education.

1.2 mil. Age 34. Come from a low income single mom home and did not start paying attention to my finances until I was 28 years old. I’ve been blessed to make the right decisions and the reality is that I wished I had listened to a lot more people when i was young. No debt. One mortgage two homes paid off and renting them out. I live inside my means and by no means am I a huge spender. Goal is to save 25% of each home I plan to purchase every three years and leverage the equity. I have my Roth, my 457b plan and savings accounts. Had to work a lot to pay off my debts three years ago. Can’t trust government or anyone to take care of us and I never took a Hand out. Paid of my 40k student loan no forgiveness taken. No new cars or car payments allowed in my home.

I’m 23 and I have 20k in savings, 11k-ish in an emergency fund, 30k in Roth IRA, and 50k invested in a couple of ETFs. I’m very grateful of my parents for allowing me to be debt-free fresh out of college and for letting me live in their home while I build my career.

@devoncarter5580

Жыл бұрын

how'd you graduate debt free?

@Boblol126

Жыл бұрын

@@devoncarter5580 I was lucky enough to be born from parents that started saving for my college fund before I was born.

@jweezy5490

Жыл бұрын

You are looking strong financially, but don't forget to smell the roses

@devoncarter5580

Жыл бұрын

@@Boblol126 how much is a good salery

@Boblol126

Жыл бұрын

@@devoncarter5580 In my opinion it mostly depends on an individual’s cost of needs and wants in addition to their future financial plans. There is no ‘one size fit all’ number that works for everyone.

38. 20k easily accessible savings/checking, 121k Roth, 130k employer 401k, contribute max. 160k brokerage account, 165k vested employer stock options, 700k house paid off, no debt, 837 credit score.

im 20 with only 10 dollars but im just now starting to take savings seriously i love your videos they are very helpful

Just turned 27, net worth of $315k. 20k was an inheritance. Currently have 115k in brokerage, 115 in 401k, 80k in my home, 5k in cash. Was very fortunate to have a dad that paid for half of my schooling, was able to pay for the other half by working while in school. Was benefitted a lot by going to an affordable state school and living at home for the first year and a half after school to save money.

@HT12703

Жыл бұрын

How’s you get $315k besides inheritance? Like what’s your degree or job?

Family, ages 32/30/1. NW=$1.2m. Liquid wealth excluding house is at $775k. Being DINKs and saving aggressively for a good number of years allowed us to make good progress. We also had no student debt and kept expenses low. This meant renting crap-hole apartments that our peers never would have considered. Our savings rate has dipped significantly in the last year as our income has dropped and expenses have piled up from things like the kid, house, travel, car maintenance, etc. But overall, still very fortunate to be where we're at. Saving aggressively while young really buys amazing peace of mind later in life.

@lynninfinite

Жыл бұрын

Do you wish you had your kid later or it was the “right” time? I wonder if there’s truly a set amount one should aim for before having a child

I am 23 almost 24 and I am so thankful for my parents paying for my 4-year college degree while my dad taught me the importance of saving money. I bought my own car in summer 2022 (the WORST time to buy one, under brutal, unfortunate circumstances.) So currently that is my primary debt I am trying to knock out in 5 years hopefully less. So far, I have $26k in savings, $10k in my 401k, and I just put my first $6k in a Roth IRA for 2022 (your video helped me decide between the type of Roth would suit me best) ! Your videos will continue to motivate me and right now my goal is to pay off my car in slow, but large increments!

I’m turning 28 and I have about 71k. 12k in 401k, 25k in my Roth, 15k in a cd account, 4k in another retirement savings, 8k in savings and the rest in my checking. Fan of these videos I can’t stop clicking and learning more with your channel. Anyway I tried making an has but I did not realize I needed an hdhp with it 😅

43 and just south of $700K At 4% draw and with the taxes or penalties for early withdrawal, I don't know how anyone can ever retire. I honestly wish I never bothered with traditional tax deferred retirement accounts since they seem like a scam. Wish I had just opened a simple investment account and got into S&P500 and Russel 3000 and converted to Dividend yielding ETFs as soon as I wanted to quit... I'd love to quit at 55, but am stuck in the tax deferred accounts so I may be stuck - unless I take the 10% penalty and tax hit to roll "my" money into dividend yielding accounts. Don't make the same mistake.

@humphrey

2 жыл бұрын

#sheeeesh!! nice man

@VNSJ

2 жыл бұрын

Thanks for the perspective.

@marcsherman4862

2 жыл бұрын

you might want to use a future cash calculator. 700,000 in 20 years at 6% annual return with no further contributions is 2.2 million. might be enough. ;-) The ppower of tax deferred compounded interest should not be underestimated.

@headshotdave

2 жыл бұрын

No early withdrawl penalty after 59.5. Plus, don't forget to figure in SS into your retirement income.

@rda9441

2 жыл бұрын

There is 55 rule that you can retire and no 10% penalty ....look it up....I plan on retiring at 55 and using rule of 55

I think a good way for people in their 20's to avoid massive student debt is to attend community college for two years and then transfer into a big school once you have obtained all of the core credits; pretty much cuts your overall tuition bill in half.

@Aren207

2 жыл бұрын

I did that myself and would strongly recommend it to anyone 👍

@Aren207

2 жыл бұрын

Graduated debt free 😎

@Weezy420

2 жыл бұрын

@@Aren207 congrats!! Me too!!

@Dave-vm3xk

2 жыл бұрын

I did this and highly recommend. In the end, you have the same degree as everyone else

@UndyingEuphoria

2 жыл бұрын

A lot of universities are trying to do away with this by claiming that community college credits won't transfer over to their school for "various" reasons. I graduated HS early and took math, english, and pysch at community college before going to a 4 year school to study engineering. Only my english ended up transferring over. Each university has their own policy and they're restructuring it so that they get your money lol

"Comparison is the root of all unhappiness"

34 years old. Finished graduate school 4 years ago, been at my current job since. Yearly salary is $105K, plus 15-20% yearly bonus. Current savings: $45K 401k, $20k employer pension, $12500 Roth IRA, and $20K cash.

Damn, never realized how fortunate I was to not be in debt. I’m still only 20 but makes me feel a lot better

I am 38 and saved up to 300k already but just started investing during 2020…..my house is paid for but living standards in China are getting so expensive and I feel like I am not even close enough to being financially independent. I do really appreciated your channel as I have learned so much this past year from it.

Avalanche method is great but it’s stressful. I’m 24 and I spent 4 months paying off my 2017 Dodge Charger. It’ll be fully paid off next month

Just turned 26 a few days ago. Didn’t finish college. Worked two jobs for 2 years before going full time at ups as a driver. I gross around 95k a year now that I’m topped out (takes four years driving to top out which is $39.60 an hour). I have 30k in savings, 10k in 401k, 12k in assets, and 215k in equity.

I’m 22, was able to go through college with a couple of scholarships so no student debt here thank god. I’ve just started investing I stocks and have a $430 portfolio, a couple hundred dollars in emergency savings, and still have some in my checking account to cover bills and my car payment. I thought I was doing horrible but your video made me feel better 😌

@MrRmmk1

2 жыл бұрын

You're doing a lot better than most off the simple fact that you don't have student debt.

The content is gold as always. I do want to compliment the lighting and background. Looks awesome and welcoming.

18 years old . Opened a credit card a couple months ago . I’ve been working in sales for 4 months and have saved almost all my money. I have 19k saved up. Going to start investing soon and go to college for aviation with a variety of scholarships to basically keep me debt free. I will also work part time and continue saving .

I'm 25 and worked/paid my way through college and graduated with no loans. I still live at home making 21.20, my net worth is 121k and it is a combination of 41k in cash (saving for a house), 46k in a Roth IRA, 30k in a 401k, and 3k in a brokerage.

@c.valley5572

Жыл бұрын

Nice job!! Keep it up!

Having invested in my property at 19 buying a foreclosed home and fixing it up Im doing very well for 31. I am in the trades and took on no additional debt like a worthless college degree. Between an IRA, 401K, Savings, property and other assets along with other investments I feel comfortable where I am at. Id argue to say the vast majority of people would do better learning a trade while in high school and moving right into the workforce than a 4 year college program. Although that takes actual work, which no one wants to do anymore.

My wife and I are both 36. We have $615k in retirement accounts, $170k in equity in our home (value of $700k with a loan of $530k). $35k saved for kids college. $60k in liquid cash and emergency fund. No other debt. We save about 15-17% of our yearly income for retirement, this is a combination of our selected contribution and company match.

@imjonathan2021

2 жыл бұрын

I'm 35, I have about 400k in ETFs, 25k in cash account, 30k in retirement account. My wife has a little bit less than me, but she's catching up on me. Only 5k saved for my child (5months).

I'm 26 and needed a change. Moved to Florida from Illinois and committed to living rough (I love it though) set up a campsite in the woods and got a place I can take showers and do laundry. Got a job as a waiter at a nice restaurant working 12 hours and picking up doubles whenever I can. No debt and saving everything. Going to buy a rental property soon and start investing amongst other things.

I like this type of content. I am able to re-asses my self if I'm still in the right path.

@humphrey

2 жыл бұрын

Perfect QJ :D Glad to hear it

I’m 17 in Canada and have been working since I was 15yo, saved and invested everything trough my dad’s portfolio. My net worth is about 20k usd, which should be enough to pay for college here in Canada

I am 31, my wife is 32. Annual net income is 40k USD (we live in Czech Republic). We saved 170k USD so far.

I have 28k saved up at age 20 but basically all of it is going towards college

Great video, I’m 25 and wanted to see the goals I need to set in terms of at least average savings. Im currently at 13K saved and 90K/YR with 710 credit thanks to a lot of your videos on credit (started at 581) 😂

I love seeing people’s stories and learning about managing finances. I’m 24, graduated 2 years ago debt free, became a homeowner this year and have about 40k equity so far. 20k portfolio between 401k, brokerage, crypto, and individual stocks. And about 4k liquid (currently rebuilding my emergency fund) . My goal is to hit a 6-figure net worth soon :) everyone is so inspiring!

age 45. networth 750K. Followed Dave Ramsey about 9 years ago and its the reason i am where i am now. Zero debt incuding my mortgage.

Age 31 net worth +180k. Graduated college at 28 years old. Worked construction. After college worked as a software developer make +230k a year. I’m married wife is also a developer and make +120k

As a 24 year old with a LOT of student debt, I still have a positive net worth of $200. Pretty good all things considered. My kids (3 yo and 5 mo) have a larger net worth than I do 😂

It's tough as you get older to switch from saving to spending. You're always concerned about making sure you have enough money to last you, and that has you tapping on the brakes a lot.

@jahimuddin2306

2 жыл бұрын

It does not help when you have been poor either. I am only 20 but I cannot bring myself to spend because I saw what happened when my parents when overboard on spending.

@jeremygmail

2 жыл бұрын

Completely agree Mc Kenna. As someone who has come from nothing to now having something, I find it hard to spend money after being frugal for so long. I want to make sure my retirement years are spent comfortably but there are just too many variables on what that actually means right now.

I’m 32. Liquid cash… I keep around half a years salary, which is about a years worth of expenses, but I also have a year and a half’s expenses in precious metals, crypto and equities each. I have two full deductibles worth of HSA savings (basically a catastrophic problem for both my wife and I would be fully paid for a year). I have 70% equity in my home, with a 20year fixed at 2.5%, one fully paid off gas car and an electric commuter with a small loan financed at 2.5%. I’m making enough that my wife can stay home and upkeep our home and do home improvement projects to build value in our home. Our budget feels tight but it’s because my save rate is around 35%.

Currently 22 and in savings investments and everything like that I have about $10k-$15k I did have about $20k saved up when I was 20 about to be 21 but I had surgery. Lived in a poor house where we would eat lentils for days. And weeks. And never got paid an allowance or help financially from my parents. I went to school and applied for loans but couldn’t even get that. So I went to work. Saved up and invested as soon as possible even which was 19 for me. My parents literally hid my social I had to find it took me a while. Then I applied for a credit card and currently I’m at 780. 5 cards with a total of about 40k credit line. A new job lined ip hopefully. And looking to buy a house soon.

I'm 21 with 100k invested and it blows my mind how few people do this. College 90% of the time is a scam / waste of time. I stayed home with my parents and got a solid job instead while investing weekly. Whatever you do just be dedicated and give it your all and don't be afraid to break the mold and do something different.

@StevieD44

2 жыл бұрын

College is def. a scam.

@Coldshowers17899

2 жыл бұрын

@@StevieD44 Most of my friends/family that went to college either don't use their degree, or are swimming in debt that they'll never get out of till they're 40.

@thebryster240

2 жыл бұрын

24yrs old. No college either, 105k in my portfolio, 20k in 401k.

@Coldshowers17899

2 жыл бұрын

@@thebryster240 And even if we quit now we'd still be millionaires lol

@c.valley5572

Жыл бұрын

A college degree is for many a waste. A degree provides "opportunity" for more income in many cases, but does not "guarantee" it. The "likelihood" to increase earning potential comes from other things, such as effort, professional connections, what your degree is in, what other skills you have, your ability to articulate thoughts and speak to others, show kindness, be sincere, have empathy and a host of other intangibles. Hard work above all else.

29 married with 2 kids Day trader and stay at home mom 209k liquid cash 450k stock market 2 homes 2 cars fully paid Investing in stocks and in real estate helped us get us where we’re at today. Sold one home with the market being crazy high and have one we’re working on to be an Airbnb and the other we’re living in.

I just turned 30 about 2 months ago. I have about 80k equity on my house, about about 12k in stocks, I have 3 retirements set up with about 20k in one and about 12 in the other 2 combined and I have about 30k in all my bank accounts. No debt other then my house which has about 270k left and 17k on a motorcycle. I make about 85k a year

30 years old; have $120k in 401k/Roth, $50k in brokerage, $36k in emergency savings, and a home with $50k equity. I have an HSA but with a chronic health conditions I use it up each year (yes I know it’s better to keep the HSA for retirement but I like using it like a sinking fund). Also $11k left in frozen student loan debt (started with $40k like the average in the video)

I started late, had no financial literacy at all until the last few years, I'm 37 and have almost 70k total in savings and no debt. I'm proud of myself but having serious regret over not starting younger. I also missed out on getting into the housing market when I was younger, missed a huge opportunity there as that will probably always be out of reach for me now

@joy2come119

Жыл бұрын

My exact situation. Never had any financial literacy growing up. I'm 35 no debt started 401k super late at 31 smh only 35k in 401k, 20k in Roth and I've luckily saved 100k this year but I don't have a house still renting. I missed the opportunity to get in when the interest rate was 3 percent and houses were cheap. I really hate that but it could always be worse.

Made me feel a little better about myself. I'm 37 with a house, vehicle, and about $80k in my 401k. 10% of my check goes into that 401k, with a minimum $50k salary before overtime. Usually ends up well over $60k each year.

I'm 23 right now and just bought a house yesterday. Hard work pays off!

Freshly 23 with a net worth around $25,000 AUD. That splits up into about $15,000 in cash and investments, and the rest in my car and tools I bought for a small business I used to run. Attempting to save $500 per week. Planning on buying my first property by the end of the year. Also researching good business ideas to start something new. Also have small amounts of money in super and HECs debt.

I’m 20, dropped out of college my first semester and I’m pursuing a career as a Mortgage Loan Officer at Quicken Loans. I have $15,000 in savings and $3,000 in investments.

@giraffe8554

2 жыл бұрын

I’m 19 and want to drop out aswell

I think this is great advice, although I feel like the numbers might not make a lot of sense after taking inflation into consideration.

@humphrey

2 жыл бұрын

Agreed, ill try to take that into consideration next video

@WillsonMock

2 жыл бұрын

@@humphrey love your videos btw!

@flipsaug

Жыл бұрын

60yr old. $67K / yr. ( BUT in the Boston area ) $900K saved ( by dumb luck. Wish I started sooner. ) Under 3% mortgage on $280K. 20 years still to go.

140k in saving account looking for a investment property, about 120k in primary home equity. Turned 30 in May.

I'm 40. Got out of debt in 2023, started a Roth IRA, got whole life insurance, set aside 25% of my income before any bills get paid. Things are looking up

I’m 35 and my wife is 37. We just crossed our total net worth at $400k. $250k in retirement and investments. $130k in equity in our home and $30k in paid off cars and misc. We have been saving since our 20s and it’s paying off. What helped a ton is I married a girl with no student loans. We started our marriage off in the positive.

@missgui4400

Жыл бұрын

Cars are not assets.

@WoodCup

Жыл бұрын

@@missgui4400 cars are depreciating assets

20 years old and I just recently passed the 5k mark in the amount of money I have invested. Mainly in dividend growth stocks but have a little bit in Crypto as well. I'm very fortunate to have my parents aid in paying for my college education, so being in heavy debt due to school isn't something I have to worry about. Pretty much every dollar I earn from working is going towards my investments. I have aspirations to buy a Mustang but that can wait until after I build a solid investment portfolio. What's the point of buying a new car if you're driving around in it broke, right?

Lol I feel pretty crappy looking at the comments. I’m 33 and have about 11k between my brokerage account and Roth IRA. I have 2500 in my emergency fund and 2600 in a general savings. I luckily only have 8k in student loan debt and just started working full time back in April. I spent my twenties braking even and living in the Olympic training center chasing my dream of being an Olympic athlete and made my team in 2018. I was going for another games but decided to retire partly because I get so behind financially compared to my peers. Channels like this are great tools for financial education.

I am about to turn 28. I didn't go to school. I make just under 60k a year before tax. I have about 20k in the bank/invested and about 150k in home equity. I also do not have debt outside of my mortgage. Thank you Mr Keeko! My financial ed teacher really pounded in living below your wage and it has helped a ton! This year I have gotten 2 big raises and have not changed my living expenses other than inflation.

I’m 24. 20k in Roth, 35k in Brokerage, no debt thankfully, no loans, 20k in savings, 2k in emergency fund. I’m hoping to crack 100k by 27. For anybody wanting tips, stay frugal and don’t waste your money, I don’t make a lot of money, but I am still able to put away 40% of my income into savings, and 20% into investing. I’m also happier living a more simple life. No vehicle payments, and college is paid off.

@svamandolin3546

2 жыл бұрын

alot of Wisdom at 24. Good advice. I am 49 and teaching my 15 year old son these wisdoms. He is already investing and saves almost all his work pay.

@SO1012488

2 жыл бұрын

You’re well on your way! I was right around your exact numbers maybe slightly less tbh. At 31 I have 50k in the Roth, 200k in stocks, 25k bank account.

Great video brother. I am 27 years old, debt free (besides my mortgage), $875k in equity on my real estate and $150k in my retirement accounts. I feel very blessed to be way ahead of the averages at my age.

@jolonsutherland5265

2 жыл бұрын

what do you do for work

@ZacharyBuhler

2 жыл бұрын

@@jolonsutherland5265 I’m in sales in the waste industry 😁

@hugodaniel8975

Жыл бұрын

wish i could have rich friends like you so he would me give me 10k for investments

One item not taken in consideration based on amount needed for retirement is the average inflation of the US Dollar being ~1.41% annually. When saying you need $1mm at retirement, as an example in comparison to what you make now, at the age of 30 and if retiring at 65 you truly need ~$1.6mm for it to be the equivalent of $1mm in today's standards...that is if inflation doesn't surpass the current annual average.

I am 16 and i have about 2000 dollars in a bank account, invested 4k and 1000 dollars in a retirement account

I'm confused. What's the difference in someone's "net worth" versus how much someone should save up by age towards retirement? I'm not clear in understanding why the targeted net worth by age range is much lower than how much it is expected to save up by that age range towards retirement. Please explain.

@evanthibodeaux9256

2 жыл бұрын

Net worth is your assets minus what you owe. For example, whatever equity you have in your house would be in the asset column and whatever is left that you owe on that house would be subtracted from that number. Do this but include all savings and assets and all debts and this will give you your net worth. Hopefully the statistics that are used in this video are aligned with this because sometimes I see incorrect information out there with regard to net worth and I think that’s why it is often confusing for people.

@Kcducttaper1

2 жыл бұрын

Net worth is defined as "assets minus liabilities". So, for net worth, you would add up everything you own of value such as: - home equity - cars - property value - retirement account - anything of value (etc) ...and then subtract what you owe from: - student loans - credit card debt - current mortgage value (etc) The resulting number is your net worth. The net worth number he used in the video, I believe, is the current average net worth by age of a normal American. It's not what you should be at (you should be a LOOOOT higher), but it's just a data point on what the average is.

im 25 i've started investing into crypto now I have about $500k in equity. my goal is to quit my office job, earn passive income through both stocks and crypto

I'm 23, I've got a degree but thankfully I didn't go in debt for it due to scholarships and savings my mother set aside for me to go to shcool. I work in the entertainment industry I help put up on plays, concerts, and musicals. I didn't get a job right out of college due to the pandemic. I only recently got a part time job in my field and I'm thinking of fitting either another hobby on the side or another job. However I currently have next to no assets. I've got no car no place of my own just living with my mom riding out whatever is going on in the outside world. It's been a slow growing period these past few months, I'm just feel so stressed that I'm behind.

I just turned 31. Net worth about 250,000. 190,000 of it came from my employer. Shares I received from my work performance reviews. Its grown alot since receiving it but I had the discipline to not touch it. Another 30 in checking and another 30 in brokerage and I did this in 5 years and 10 months. I consider myself a late bloomer. Interested in buying my first rental property

I'm 25 and have roughly 20k saved with 15k being investments, 3k in CDs, and 2k in a regular savings account for emergencies. I was fortunate to join a company that rewarded me with shares for signing on, promotions and annual reviews. So I basically just sold them off as I got them and reinvested in whatever I wanted.