The 7 Levels of Wealth - What Stage Are YOU In?
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- เผยแพร่เมื่อ 8 มิ.ย. 2024
- 🐪 Hump Days Newsletter ➭ humpdays.substack.com
In today's video we discuss the 7 levels of wealth and what distinguishes every level, popularized by Grant Sabatier. Depending on where you're at, you could have different goals for the next level including saving for retirement, building an emergency fund, starting or funding a Roth IRA or 401k, Investing, etc. You may even want to pay off your home. Enjoy!
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Timestamps:
0:00 - Start Here
0:24 - Dependence
1:16 - Survival
3:15 - Stability
5:42 - Security
8:07 - Independence
9:47 - Freedom
10:58 - Abundance
~~
Rickie (Editor) ➭ / coldgamerick
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PS: I am not 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!
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I would love to apply
Building wealth from nothing involves consistent saving, disciplined spending, and strategic investments. Begin by creating a budget to track expenses and identify areas for savings. Prioritize paying off high-interest debt and establishing an emergency fund. As you build a foundation, start investing in low-cost options like index funds, and focus on continuous learning and improving your skills for better income opportunities.
Impressive insights! For beginners like me, managing and staying updated can be overwhelming. Are you an experienced investor or do you have a strategic approach for staying informed?
Due to my demanding job, I lack the time to thoroughly assess my investments and analyze individual stocks. Consequently, for the past seven years, I have enlisted the services of a fiduciary who actively manages my portfolio to adapt to the current market conditions. This strategy has allowed me to navigate the financial landscape successfully, making informed decisions on when to buy and sell. Perhaps you should consider a similar approach.
That's quite remarkable! I'm genuinely interested in benefiting from the guidance of such experienced advisors, especially considering the current state of my struggling portfolio. May I know the name of the advisor who has been assisting you in navigating these financial challenges?
Finding financial advisors like Melissa Terri Swayne who can assist you shape your portfolio would be a very creative option. There will be difficult times ahead, and prudent personal money management will be essential to navigating them.
Thank you for the information. I conducted my own research and your advisor appears to be highly skilled and knowledgeable. I've sent her an email and arranged a phone call. Her expertise is impressive, and I'm eagerly anticipating our conversation.
At Level 8 you get a free shirt!
And you get a free 30 day trial to Lyft Pink.
Just wait for level... 69
@@humphrey Is that the level where they give you a free guest for the Centurion Lounge?
@@humphreylol
People give shit away to those at the top and charge for more those at the bottom. It’s all upside down
I hope everyone who sees this reaches level 6+.
I am personally somewhere between stage 3 and 4. Just 10 years ago, my wife and I had almost nothing in the bank, were swamped with debt and renting a single bedroom. We are now debt free (except for a mortgage), own a house that we are turning into a duplex for a rental (and already have a tenant) and more than 6 months of expenses in available cash. It is amazing how fast life can change for the better so long as you have a solid plan, spend frugally, and work hard to make your goals happen. Also, don't be afraid to take risks... so long as it isn't something stupid like "I am going to win the lottery!"
Congratulations, thats a huge step up 🎉
I was at level 2 for a very long time, maybe 12 years, And the step up to level 3 believe it or not only took me about 4 months. He is right, Every time I would save up about $10,000, a big unexpected bill would come, a vet bill, or a car bill, etc. so after the dog went to heaven and I got myself a bicycle those unexpected expenses I’ve limited to never come again. Now up to about $70k savings and counting, I think I’m not far to level 4 however financial knowledge needs to come a long long way before acheiving level 4 and 5. And that’s why I’m watching this channel.
Good for you, and well said. Also why I'm here. I'd say me and my wife are at level 3 currently, and I'm about to take a new position that will get us very close to 4. Happy climbing!
I was at level 2 for a very long time, as I was disabled in a car accident and couldn't work for many years. I was able (just barely) to earn an MBA (from a good program) during this time, and so when I was finally able to try working again, my income quadrupled and I basically skipped Level 3 entirely and Level 4 was like two years.
Every time my kids ask for a dog, I read a comment like this.
I'm almost 25 and am level 3 moving to level 4. It helps to be a financial advisor and have a degree in finance as many of my habits I instilled in my late teen years. My biggest struggle now is being a young professional and not getting caught up in consumerism. I'm trying hard to practice minimalism and live below my means... Convincing my partner to do the same has also been an interesting task :)
It is always good to have a financial plan. I work with a portfolio manager and fixed income planner in the USA. The fixed income portion of your portfolio won’t simply serve as a buffer to the volatility of the equity portion of your portfolio, but will provide legitimate income.
Very true, people downplay planners role, until burnt by their mistakes. I remember just after my layoff 3 years ago amidst covid outbreak. I needed to stay afloat, hence researched for licensed fiduciary advisors. Thankfully, I came across someone of practical knowledge and decades of experience. I liquidated 200k of my 340k from my 401(k) it has yielded nearly 1M usd after subsequent investments so far.
I’ve shuffled through a few experts in the past but settled with Mr. CHRIS RYAN STEWART.
His strategy is recession proof, more specifically profit-oriented and most likely you’ll find his basic information on the net. He’s a very well known advisor.
Asides the fact that I’ve been personally inclined with Chris Ryan Stewart. His platform is seriously making waves in the market. Even on CNBC and BBC Finance. He is a genius.
I have turned over more than half a million working with Mr. Chris Ryan Stewart on a very wide array of options and finally sticking to a few that have been favorable in the past 2 years.
I appreciate how inclusive your content is for all investors. No matter the age. the financial situation, or the financial knowledge. everyone can find a piece of information that will help them or provide food for thought. Good job
I’m grateful for the financial abundance that comes to me effortlessly. continuously and easily on an everyday basis. I feel blessed and grateful I am retired so no business but it is coming in through investment
Bitcoin has been rising for a while now and could rise further or
close to fall again. The truth is that no one knows, I beieve it's the
right time to buy and also get a pro's assistant
The question is how can someone know a professional broker
When legit once are hard to find this days
If you have any please share..
In theory, I'm at level 01 because I survive on disability benefits but in practice, I'm at 02. I feel I do better than some despite living in poverty because I have good money habits. I'm confident I could be quickly successful at level 03 if I find a way to boost my income, even modestly.
I hover between stage 2 and stage 3, especially this last quarter. I recently started cash stuffing as a budgeting tool and it's made me feel motivated to save my money, making sure I'm secure and moving my family comfortably into stage 3.
As a working class Englishman of 37yrs at the time of this comment I can say that I was brought up with the mindset of "I'm no success but a damn good survivor". I actually consider myself lucky because it's the people right at the bottom level that will tend never to leave dependence. I'm certainly only a survivor, in debt on a low income but I still feel abundant because I'm mostly in good health and I'm working on my career to increase income and will live as frugally as possible moving forwards. Being organised really helps with staying focused. Us survivors CAN make it....
38 year old here, level 4 and rapidly approaching level 5. 1.2m net worth and investing roughly 250-300k annually.
To those further on the path than me, congrats and I love seeing your success! To those still working on the earlier levels, you WILL get there, the simple fact that you're watching this video and reading this comment means you have the right mindset. Keep getting after it!
How did you figure out which career path to pursue?
@@oliverbuddy6784 For me personally, I was always into technology (gaming, but also the hardware side of things), so it was a natural avenue for me to explore.
I started out in helpdesk and went down the technical track, but over time I realized that my soft skills were my differentiator, not my technical ability (others on my team were MUCH more adept at troubleshooting / developing / etc). That made me switch to pre-sales technical engineering, which is where I'm at now.
For people who don't have that obvious interest, my suggestion typically is something like this: Find some companies in your area that are mid-sized (so not your mom and pop shop, but also not Microsoft). Hop on their job boards, glassdoor, linkedin. Find as many people as possible, look at their job titles and what they put into Linkedin for what they do. Your goal isn't to apply for those jobs, but to instead find something that catches your eye. Once you have some job titles that seems like you like, start doing research on them. You should be able to identify a "north star" / goal for you out of those, and then just connect the dots with what skills you have now vs what skills various jobs like that require.
Not sure if that helps, but happy to chat more if that doesn't make sense. Its not perfect, but its the best I've come up with.
I’m 26 at level 3 and looking for improving more. Thanks for all the content!
Greeting from Los Cabos, México 🤗
Nice! and i gotta make it to Mexico!
Same as you here, keep it up :)
Best of Luck Andrea!
22 years old and I am somwhere between Step 3 and 4 if I interpreted them correctly. Savings rate of between 40-50%. I don't make a whole lot of money, only around 35-40k per year, but I do save a whole lot of it. Currently a renter with a roommate, which definitely helps my savings rate.
Maxing out my Roth IRA every year for this year and the previous 2 (opened in 2021), and putting a bit in a taxable as well.
Only things I don't pay for is life insurance and health insurance (dad has a policy for me until 25), a car (I work from home, so no need for an auto loan, car insurance or gas expenses, I Uber where I need to go).
Hoping to reach FIRE quickly :)
Great story!
Good for you!
You’re killing it!
No you are wrong. If you dont own a house you are NOT Independent. People get it wrong all the time. Imagine you lose your job/get health issues. Now all of the sudden you become this person that have to live on his car that we can see in documentaries.
@@HasterBlaster That is a stupid point 🤦🏼 If you are responsible for your own bills, then you are independent.
I was level 2 since 2011 till the pandemic. That was my owe moment. Started to track my expenses, budgeting, using a motorcycle instead of my car, cheaper apartment, changed jobs and moved to level 4. I'd been working for ten years and didn't have savings or financial stability. Yes, I enjoyed my money. But now I'm so much more satisfied with my life though I don't have so many fancy things.
Currently, stuck in level 2 and it feels hopeless. But I know there is a light at the end of the tunnel.
Always a light, keep going!
30 years old, bills payed off, car payed off, could pay off mortgage but have the money invested instead, I seem to be in level 4. I'm not drawing a single dollar from my investments, I'd rather live off my job and let my portfolio grow while I'm young. Trying to get to level 5 at a decent age, to enjoy my life
why cant you enjoy life while you have a job? this makes no sense. enjoy life your whole life not only when your old lol
I am in Independence stage. I have no more debts (car, house and credit cards paid off). I live a humble and frugal life ($25,000 a year) since I am single. I am retired from my 9 to 5 Engineering job. I am a caregiver now for both my parents (part-time) to keep me busy.
nice!!!
Despite the fact that stock prices fluctuate, what is the best method for capitalizing on the current market? I'm still undecided about investing $400k in my stock portfolio.
The market is volatile at this time, hence I will advice you get yourself a financial advisor that can provide you with entry and exit points on the share/etf you focus on.
I was recently through an investing nightmare during the crash in march 2020. With the assistance of my advisor I have so far grown my dwindling portfolio of $145k to $480k
Pls who is this coach that guides you? I’m in dire need of one
My consultant is Nicole Desiree Simon She has since provide entry and exit points on the securities I focus on. You can look her up online if you care for supervision.
Thank you for the lead. I searched her up, and I have sent her an email. I hope she gets back to me soon.
6 is essentially the last stage under these rules if you can, ‘do anything you want’. That’s all encompassing.
Level 4 and working towards 5 - concentrating on escaping the rat race 😊 thanks Sue
I just have enough tucked away last month to pay off my home. Car is paid off and I owe nothing to anyone. The “lightness” I feel omg omggggg immeasurable. No one tells you about that feeling. I could quit tomorrow and be completely ok!
😮
You have just convinced me to restart my investment portfolio by reallocating funds to a savings portfolio. I have been too far too risky with my cash in this bear market, and you have made me more aware of how important it is to have reserve cash in my worst case scenario. I will continue to push towards rebuilding my investment portfolio because of your advice. Thank you for providing a new perspective for me to help me move forward in my investing journey, please continue providing valuable information for others who may have followed the same path as i have followed. Thank you so much, my family will greatly appreciate your generosity.
This breakdown of the 7 levels of wealth is spot on. As a young adult, I'm focused on building stability and independence. It's crucial to set tangible goals for each stage and work consistently toward them. The earlier I start, the better!
Level 2 at 24, made bad decisions now taking these tip videos to stabilize myself and pay back my debt
Currently at stage 3. Great video explaining the conditions of the stages regardless of the individual’s environment.
Thank you for this video. I’m in my 30’s and just learning about how to properly handle my finances, and this has given me a lot of perspective. Thank you thank you! Subscribed :)
Love this practical educational content! In my security phase and moving steadily toward independence.
nice!
37 - level 4 approaching 5. Good video! Thanks.
Financially free 34/yr. Retired pharmacist. Still have 3 cheap mortgages (2.7-3.8%) and have 4 cash flowing properties between 3-5k/mo/property. I can’t go buy a Lambo….but i don’t have to work and that’s all I care about! Good luck to you all
I have only made between 5 000 and just before I retired 11000 a year for my entire life. I have a small house that has been paid for 40 years. I have about $40000 invested. And I have about 13000 liquid assets. I now make about 8400 from social security but I continue to work part-time and I'm still saving money. The secret to being financially secure is not about how much you make but how much you spend!!! I am 69 now and feel quite financially secure. Thanks for your videos ,I enjoy listening. And also I learn a few things too, thank you.
This is insanely impressive, great job! You’re leagues beyond where my parents are who are your age
For the stage 4-5 and even low 6, you might decide to keep working for a few reasons. As you point out it is fairly optional, but health insurance isn't cheap, particularly in the US and above 40. There are also often other benefits that multiply your savings since you don't have to replace all of that plus your income and other benefits/bonuses. The good news though is you don't really fear losing your job. Another reason you might stick around is the tax incentive. If you are nearly 50 and thinking of sticking around 5 years is ok, the rule of 55 on your 401k will save you quite a bit (no 10% WD penalty, access to tax-free Roth 401k money). If you don't want to do all that, looking into other (cheaper) countries for early retirement might also be worth considering, as many include good health care when you are a resident.
Had a business. Lost it during covid but made enough to buy a 524k home all cash. Now I just do side jobs like Doordash and Uber Eats everyday with a savings of 30k and another 30k in investments. Which level would i be in? For certain reasons i am unable to get a good paying job
If you are not renting the home out I would say level 2
From #1 - #4 in 7 years. It can happen, hard work, dedication to your financial goal, and financial literacy/learning.
Thanks for the vids
I just felt motivated and inspired after watching this video. Thank you.
I’m in step 3 hoping to move to step four faster as I’m in my early 20s. The only way I can think of doing that is not buying fancy cars again, and saving more money, managing my money, and selling my car, as well as starting my retirement fund. Also I will increase my salary so whether I’m renting or saving for a house I don’t have to worry about reaching my goals.
We are close to Stability, the only thing is saving for that 3-6 month emergency fund. Though I've noticed the only interest we have to pay is on the Mortgage and One of our Cars, otherwise we are basically debt free. Keep up the great tips!
Great video. I just entered level 6 and I'm satisfied. Life is good.
Great video. Im transitioning from survival to stability in my late 30s as cars are paid off, student loans are reasonable, raises at work and now have a little savings woth turning to investing. The survival stage is no joke. I can see why many dont make it out.
Nice explanation.
Thanks, Humphrey.
Another great video, Hump.
Thanks Sir, new insight to me
This is making me feel better. I’m saving 23%, maxed out ira, this year.
Level 4..hoping to move to 5 by ending of next year...maybe? 🤞🏽
33 and I feel like I am at level 4. Feeling good about that. Just paid off all my student loans too
Good stuff Humphrey!
The thumpnail picture got me... Got not disapointed afterwards. thumpsup!
Considering how I feel when I look at my bank account. I am definitely in the Depression stage
Technically at 5 but still working to get to the 6 level for retirement. Each year less debt and more savings. Reckon tipping point is about 4 years away….and I can’t wait!
Level 3 with 3 months of expenses saved and around $30k across my brokerages accounts. No debt. Car paid off
Im 30 and I'd be stage 3 since I don't own a house yet. Car is paid off, student loans being paid off this year. Focusing on in increasing my literacy and furthering my career. Haven't really worried about bills in awhile. I'm probably overpaying on insurance
So I'm at level 3.5, noice! This was a fun video
I'm at level 3, fighting to graduate into 4 :) Thanks for the awesome video!
Currently at Financial Security. Working my way to FI hopefully within the decade. 🤞🏽
Hey Hump...u are abundant! Great inspiring videos for even older people.
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i would say that i'm at level 4 , however it feels like, as long as I live poor I have a lot of money, I.E. ( roman noodles, cooking at home, no vacations, only shop at thrift stores. no eating out, no new car. no beef/hamburger 😂 ect. ) but the second i start spending, the whole thing will come crashing down.
ever since COVID they started paying 18yr old's +$30/hr with (no experience). ( this has caused massive inflation). im 57 and it took me a life time to get to that level.
its starting to feel like im being screwed by the system again.
Excellent video, Humphrey! I was wondering if you had any data or studies that show which levels of wealth provide people with the happiest and/or most fulfilled lives. At least for me, that would make it easier to decide where I want to aim.
28 y/o at level 4 - life is great and we’re just getting started. It’s all about who you know, I definitely couldn’t have got to this point without knowing the right people. Currently working to achieve level 5
I appreciate the honesty about having a good personal network. Makes sense!
You are definitely ahead of the curve here.
I'm 32YO and firmly sit in level 4.
Somewhere between 3 and 4.
Live below my means, and focusing on paying off remainder of mortgage. Don't make much, still decent, but live in a low cost of living area. Do whatever I want until I am fully within 4 with plans of going higher.
In level 3, working on getting to level 4. I have a higher net worth than both of my parents and their spouses combined and there ain't no stopping this gravy train.
I moved out from my parents around 2 months ago, still studying, and i feel quite better after watching this video. I was thinking all the time about how bad my sitauation was etc etc but i figure im easily standing in 2nd level slowly moving into 3rd. Im not going to slow down, but i feel a lot calmer right now. Just thinking about how much time i still have and that im basically just at the very beginning. Thanks for this video
They're levels to this game 🤑
I’m only on level 3. Working on saving for a house deposit. Still over a year away!
I'm in level 4 and my partner is in level 5.
Great video as always Humphrey.
You should talk about collections and how to deal with them.just an idea
Just turned 28 and at lvl 4 so far , aiming for 5 before 45 hopefully!
this is.. AMAZING.. I need this video in Spanish😢
Level 4. Working hard to reach 5 within the next 2-3 yrs.
35 at level 4: financial security. But my mindset is that I’m always at survival.
I'm at #4 working to reach higher
Between 2 and 3 only because i don't have 3-6 months saved up yet, but I have everything else! At 36 I started over career wise but going for that FIRE (but it's Financial Independence, Recreational Employment).
I am doing better than I thought to be honest. I'm middle class or level 4,but I live well within my means and have hobbies and interests that doesn't cost me loads of money.
Own your house have a few hundred in investments and a stable enjoyable job. Don't buy stuff to impress ppl you don't know or care about.
I’m 37 yo and I would say I’m at level 3-4. I do have more than 3-6 months of security for emergencies like paying the mortgage. Started a RE business as a side hustle to hopefully get to step 5.
23 years old - level 4 club 🎉🎉
i think i am in the security stage. sometimes i think only half-joking "gee wouldnt it be nice if i got laid off today? i would go on vacation :)". feels like a sign of being in the security stage.
Only problem. It took me 77 years to reach level 6. Now I'm not sure sure I'm fit enough to enjoy the freedom, but I try. 10 foreign holidays per year is my new target. Honolulu her I come.
I’m 22, approaching the near end of step 2, I’ll be graduating undergrad next year in December and thankfully I only have 2 credit cards (just got a cc that required an excellent credit score range) but all paid off as I don’t spend much at all, no car payments, $1000 retirement fund, $1000 EMS fund, only a student loan that I can immediately pay if I get a full time job, no health insurance. If the Lord blesses me with a full time job, within 3-4 months no more student debt and since I will seek the most frugal lifestyle, I’m hopeful that once I make it to a year of working, I’ll be at stage 3 :))
I'm almost 22 years old, and as of now, i'm between 1st and 2nd level, just trying to move on and be less miserable.
It's funny how by moving, I went from Stage 2 to Stage 4 within a year. Went from VHCOL to MCOL with a high salary; fortunately able to retain my job due to remote working.
Between level 3 and 4 just tryna be happy i made it this far. But aiming for level 6
I love this video. When Humphrey and Graham Stephan post a video on the same day, life is good.
Did he post? I gotta check!
47 year old here. Still at survival, always at survival and nothing but survival. How long. As long as I can until survival is no longer an option.
50 yo on Level 4!🎉
Gotta love this system we’re in
im 18 and have my own house and a job paying me $2k per paycheck, my total expenses are $1,500 a month and my debt is $5k soon to be 0, I am still living with my parents while renovating my house and about to go straight from dependence to financial security. the amount of stress and management it took to get the job I currently have, the house and to budget properly while paying for everything I consume has been hard. My parents never let me starve, but If I had enough money I was paying for myself rather than wasting theirs
I’m a peon stuck on level 2 for last 22 years of my life. But just got a way better paying job so that might change soon enough. Great video btw!
Congrats! DON'T CHANGE A THING. auto withdrawal from your account right into wherever it needs to go and reap the benefits of your labor.
I'm at level 6, I was at level 3 at my 20s because I worked a lot, I had almost during 2 years 2 jobs. I never had any credit and lived only with money I earned.
Im 30yo, 3 small kids, wife, quite low mortgage, one house, a new car every 2 years. We save whole one monthly income from my wife. Im midlle class worker (steel engineer) with many side jobs for another companies. i think im beetwen level 2-3. And Hope i Will reach the next level in 5 years. Thanks for good explain of levels of wealth.
As close to financially secure at 25 with a child that I can be! Own 2 duplexes and live in one of the units, once we move into our single family we are bound to take a slight step back
This really inspired me that I can take on a duplex, thank you! Is managing it hard? Do you pay another company to do that and do maintenance? Thanks for your help❤
@@Cloudyconfusion I manage them myself, its very easy until everything is going wrong all at once🤣 its best to buy a duplex and live in one side and get the house updated and functional
I'm a solid 4, nice keyboard
Nice to see the break down. I am surprised for a guy like myself who makes only $45K/yr and with no debts. I fit in between Level 3 & almost to a level 4 category. Thanks for this video it gave me a little confidence boost to know even if a person like myself who makes less can still be able to grow my income with good lifestyle habits, several savings account, and patience with my investments.
Pretty good guidance. But a bit subjective. Depending on your risk tolerance, two people with same spending and wealth can feel like they are in different level.
Hey dude, I’m number 2.
I'm between lvl 3 and 4 making 55k a year (33 y). Dont have to worry about my pension (good pension safety net in my country plus i built up a good additional pension at my current employer), dont have any debt, got 50k in savings and just started investing. Only thing i'm struggling with is buying a house. Next couple of months my income will increase to 70k a year so hopefully buying a house is on the cards for me next
As a uneployed person who's living in Brazil that can't count on my family, i can say that you forgot about the level 00, where you cant depend on anyone, cause theres no one to depend on.
Financial Security, the levels aren’t that crazy to move through as long as you define your goals correctly.
I’m so glad I found your channel! 🙏🏼
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Yo those Keycaps tho!!!
I'm 19 studying full time so definitely 1. I hope to achieve 3 in 3 years.
I just started studying and that will take 2 years.