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In this video, I go over 23 things everyone should do with their money. Let me know which of these you already were doing and what you took away from the video down in the comments!

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WHO AM I?
Hello 👋 I’m Humphrey, I used to be a financial advisor, worked in gaming/tech, and started my own eCommerce business. I make practical, rational content on investing, personal finance, the news, and much more with a data-backed approach. My goal is to help you with financial literacy and creating wealth.

PS: I am no longer a current Financial Advisor, any investment commentary are my opinions only. Some of the links in this description are affiliate links that I do receive a commission for & they help support the channel!

SOCIALS:
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⏱️ Timestamps:
0:00 – Start Here
0:10 – Track Your Net Worth
1:35 – Open a Roth Ira
2:45 – Build an Emergency Fund
3:56 – Excess Cash in a HYSA
4:35 – Don’t Buy Just Because You Can Afford It
5:28 – Negotiate Your Bills
6:17 – First Class In Dollars Per Hour
7:14 – Invest In Your Income
8:08 – Credit Utilization Under 30%
8:44 – Never Carry Credit Card Balance
9:14 – Know How Much Is Enough For You
10:19 – Take Advantage of 401(k) Match
10:56 – Investments With Low Expense Ratios
11:34 – Use Backdoor Roth IRAs
12:27 – Automate Your Savings
13:18 – Diversify Your Money
14:06 – Don’t Lend to Friends & Family
14:45 – Know Your Credit Score
15:21 – Talk About Your Finances
15:49 – Open an HSA
16:29 – Take Advantage of Trump Accounts
17:20 – Have a Fun Money Account
17:58 – Set Up An Estate Plan

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Sen. Cynthia Lummis, R-Wyo., discusses President Donald Trump’s meeting with Senate Republicans over the SAVE America Act and crypto legislation on ‘Mornings with Maria.’ #foxbusiness #mornngswithmaria

00:00 Trump heads to Capitol Hill meeting with Senate Republicans

01:10 Lummis on voter ID and election integrity reforms

02:04 Can Congress pass key legislation before the August recess?

03:41 Why the CLARITY Act has stalled in the Senate

04:57 Banks push back as crypto regulation battle heats up

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The Most HATED Guest Ever On Financial Audit! calebhammercomposer #fyp #calebhammer #financialaudit #money #finance #financialfreedom #financialliteracy

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#telugu #telugushorts #emotional #nammakam #money

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Trump is weighing capital gains tax cuts ahead of the midterms as XRP trades below $1 and Ripple’s federal banking strategy advances.

The video examines how potential tax changes could affect crypto investors, XRP’s current market structure, Ripple’s OCC charter, RLUSD reserve oversight and stalled crypto legislation. It also covers Nasdaq’s crypto ETF options proposal, XRPL tokenization, stablecoins and XLM interoperability.

Timestamps
00:00 Trump weighs capital gains tax cuts
00:33 What capital gains changes could mean for XRP
02:42 XRP price targets below $1
03:48 XRP price predictions on Kalshi
04:28 XRP correction and market structure
06:48 XRP Ledger tokenization and RLUSD utility
07:52 SEC, CFTC and crypto regulation
08:55 OCC opens banking system to digital assets
10:42 Ripple National Trust Bank explained
13:11 Ripple’s path beyond the CLARITY Act
14:34 Nasdaq expands crypto ETF options
15:40 XLM and XRP Ledger interoperability
16:56 XRP accumulation below $1
17:26 Kalshi perpetuals and predictions
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#XRP #Ripple #Crypto #Blockchain #CryptoNews #xrpledger #xrpnews #cryptocurrency #altcoins #blockchaintechnology #cryptotrading #ripplexrp #xrpholders #xrparmy #xrptoday #xrpupdate #cryptosensei

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XRP EXPLOIT!! almost 200,000 XRP drained. XRPL bridge news

#xrp #crypto #bitcoin

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⛔️Disclaimer⛔️
This video is for educational purposes only. Please do your own research before making any decisions with your money. I will not be held liable for any losses or gains you may experience. I am not your financial or investment advisor. This is completely educational content and should be taken as such – the views expressed in the content are opinions. Nothing on this channel should be taken as a recommendation to buy a particular crypto asset. The information shared on this channel is not indicative of future results. Analyses are not absolute and are prone to change in accordance with present and future market events. Please do all of your own research before you buy any cryptocurrency or any financial product.

Some of the links and other products that appear on this video are from companies which Oscar Ramos will earn an affiliate commission or referral bonus. Oscar is part of an affiliate network and receives compensation for sending traffic to partner sites. The video is accurate as of the posting date but may not be accurate in the future.

I WILL NEVER CONTACT YOU IN ANYWAY (ON ANY PLATFORM). IF YOU GET CONTACTED BY ANYONE CLAIMING TO BE ME, IT IS NOT ME. FOR EXAMPLE, COMMENTS SHOWING WHATSAPP NUMBERS ARE NOT ME. ADDITIONALLY, PEOPLE HAVE THE ABILITY TO CALL YOU USING AI TECHNOLOGY SO IT SOUNDS LIKE ME. THIS AGAIN IS NOT ME. NEVER WILL I CONTACT YOU IN ANY WAY. DO NOT RESPOND OR INTERACT WITH ANYONE ON ANY PLATFORM CLAIMING TO BE ME OR WORKING ON MY BEHALF – THEY ARE SCAMMERS.

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In this video, you’ll discover why most “student earning apps” are a scam and learn the real way students can start earning money online in 2026. We reveal the hidden power of LinkedIn for students and how it can help you build a side income without any investment. If you’re looking for freelancing opportunities, online earning ideas, or student jobs, this video is for you.

We break down the top high-income skills of 2026, including Short-Form Video Editing and AI-Powered Content Creation. You’ll learn how students can use tools like ChatGPT and CapCut to create valuable services that businesses are willing to pay for. These future-proof skills can help you build a strong portfolio and earn from anywhere.

You’ll get a step-by-step LinkedIn freelancing roadmap, including profile optimisation, content creation, and cold outreach strategies. Learn how to attract clients, get your first freelance project, and build a long-term online career. Whether you’re a school student, college student, or beginner freelancer, this guide can help you start your earning journey.

#skills #skillsforfuture #skillup #scienceandfun #ashusir #scienceandfuneducation

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