My Net Worth at 39 | How much I have saved, invested & total debt + Revealing my portfolio!

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  • เผยแพร่เมื่อ 27 ม.ค. 2025

ความคิดเห็น • 125

  • @galbiller
    @galbiller  หลายเดือนก่อน +7

    Happy Friday everyone! I'd love to hear about the steps you're taking to grow your finances! Check out my free Net Worth Calculator in the description box below! 💕

    • @ervinsmoviecorner8748
      @ervinsmoviecorner8748 หลายเดือนก่อน +1

      That’s nice!❤

    • @ryansimpson3074
      @ryansimpson3074 หลายเดือนก่อน

      Buying as much UiPath as I can in the ROTH with a long term outlook on the company. Apart from that just building liquidity and waiting for valuations to normalize.

    • @galbiller
      @galbiller  หลายเดือนก่อน +1

      @@ryansimpson3074 Waiting for valuations to normalize can be a smart move in this market, so much uncertainty. I think I'm still going to invest regularly through my Roth IRA (and HSA, which I'm planning on opeing in January) since it's for the long term. Thanks for sharing your strategy!

    • @censoredeveryday3320
      @censoredeveryday3320 21 วันที่ผ่านมา

      @@galbiller The best thing you can do for the rest of your life is max out your roth IRA no matter what it takes. For 2024, it's $7000 for singles. Tax free gains. I'm in my mid 40s and I'm really starting to see the compounding take off like a rocket.

    • @galbiller
      @galbiller  21 วันที่ผ่านมา +2

      @censoredeveryday3320 I’m planning out maxing out my Roth IRA for 2024 by April 15th

  • @ikaceman1
    @ikaceman1 หลายเดือนก่อน +7

    Thank you for real world transparency. Honesty is why I watch!

    • @galbiller
      @galbiller  หลายเดือนก่อน

      Thank you for appreciating it :)

  • @EricMoore790
    @EricMoore790 หลายเดือนก่อน +23

    39? I thought she was 28. Gal is good with money!

    • @galbiller
      @galbiller  หลายเดือนก่อน +2

      Hehe thank you!

  • @lisav6583
    @lisav6583 หลายเดือนก่อน +13

    I’m 41 with about 180k in investments but I will get a pension at 55. I am still trying to max out my IRA and 457 until I retire

    • @galbiller
      @galbiller  หลายเดือนก่อน +1

      That's great progress! Maxing out your retirement accounts is a good plan! It sounds like you're setting yourself up for a comfortable future! Keep it up :)

  • @lauriechan2966
    @lauriechan2966 หลายเดือนก่อน +13

    I'm 40 yrs old with 570k net worth, so we're basically in the same bucket. Nice job, chica!
    The difference between us is that I own undeveloped land, instead of rental real estate. I also own 100% stocks, and zero cryptocurrency.

    • @galbiller
      @galbiller  หลายเดือนก่อน +1

      Thanks so much! Congrats on your impressive net worth as well! 🤗 It's always interesting to hear about different strategies! Wishing you continued success in growing your portfolio! 🫶

    • @lauriechan2966
      @lauriechan2966 หลายเดือนก่อน +1

      @@galbiller I wish you absolute continued success as well in your future endeavors! 💪

    • @galbiller
      @galbiller  หลายเดือนก่อน

      @ thank you!

    • @nolimits1981
      @nolimits1981 หลายเดือนก่อน

      Laurie will you start investing in crypto?

    • @garyish
      @garyish หลายเดือนก่อน

      You ladies look amazing at 39-40
      I am 39 myself with 1.2M networth. Plan to be 1.5M by this time next year hopefully the market cooperates 🤞

  • @tross549
    @tross549 หลายเดือนก่อน +3

    Nice work! My only advice is (1) start maxing out retirement accounts (2) cut up credit cards (3) sell investments and pay down the debt…. I’m 34 with $1.2m net worth

    • @galbiller
      @galbiller  27 วันที่ผ่านมา +2

      Congrats on building such an impressive net worth at 34 🙌

  • @bclayton430
    @bclayton430 หลายเดือนก่อน +10

    Ok zero judgement but having $0 in any retirement accounts at 39? Is the plan to have rental income fund your retirement exclusively? Just curious!!

    • @galbiller
      @galbiller  หลายเดือนก่อน +6

      Hi! I'm planning to Max out my Roth IRA for the first time this year and opening an HSA in January (hopefully to max that out as well) so from now on, no more relying only on rental income from real estate :)

  • @DezmondAbrams
    @DezmondAbrams หลายเดือนก่อน

    Great video! Congrats on your net worth so far! Love

    • @galbiller
      @galbiller  หลายเดือนก่อน

      Thanks so much!

  • @ervinsmoviecorner8748
    @ervinsmoviecorner8748 หลายเดือนก่อน +2

    5 days to go before Christmas, Gal!🎄🎄

    • @galbiller
      @galbiller  หลายเดือนก่อน +1

      So close! Hope you have a Merry Christmas! 🎄

    • @ervinsmoviecorner8748
      @ervinsmoviecorner8748 หลายเดือนก่อน

      You too!

  • @budgetwithjenny
    @budgetwithjenny หลายเดือนก่อน +5

    I'm 35 with about $186K net worth! Great job!

    • @galbiller
      @galbiller  หลายเดือนก่อน

      Thanks so much! 🙏 You’re definitely on the right track! Keep up the great work! Wishing you continued success 🫶

  • @brendawick
    @brendawick หลายเดือนก่อน +5

    Im 42 net worth 1.7m. I invest 16% of my paychecks. My plain is to retire at age 50

    • @lionheart93
      @lionheart93 หลายเดือนก่อน

      stocks ?

    • @galbiller
      @galbiller  หลายเดือนก่อน

      Wow, that's awesome!

    • @brendawick
      @brendawick หลายเดือนก่อน +3

      @lionheart93 yes, most of it goes into stocks. I have a 6 month CD ladder I started last July. But mostly stocks

  • @huy3967
    @huy3967 หลายเดือนก่อน +2

    I am really curious how you invest next year. Thanks for sharing.

    • @galbiller
      @galbiller  หลายเดือนก่อน

      You and me both! lol I still haven't decided how my portfolio will look in 2025

  • @drosenth613
    @drosenth613 หลายเดือนก่อน +3

    Such a smart woman!

    • @galbiller
      @galbiller  หลายเดือนก่อน +2

      Thank you 😊

  • @renanuneza8932
    @renanuneza8932 หลายเดือนก่อน

    I always love watching your vidoes coz its very relatable and also we are kinda in the same situation, although im a bit older as ill be 42 next month and also didnt came in US until 2015. Although this year I was I ventured into buying land that I am looking to build something into. My 10 year plan is to max my 401k and roth IRA and pay off all our mortgages. We have 4 rentals total and hopefully retire maybe not early but worry free. Goodluck on your goals!

    • @galbiller
      @galbiller  หลายเดือนก่อน

      That sounds like a great plan! I love to hear how others are working toward similar goals! Best of luck with maxing out your 401k and Roth IRA, and paying off those mortgages!

  • @yankeefrugal
    @yankeefrugal 24 วันที่ผ่านมา

    You're doing great! How do you manage your rental properties? Do you do that yourself or do you pay for a management company? In reference to needed repairs, HOA issues, tenant issues, etc.

    • @galbiller
      @galbiller  24 วันที่ผ่านมา

      Thank you. Since the properties are 3 hours away from me I have a management company that handles everything and charges 8% of total rent amounts

    • @stuartdavis83
      @stuartdavis83 19 วันที่ผ่านมา

      What state/area do you have your properties?

  • @benking9593
    @benking9593 หลายเดือนก่อน +1

    Brilliant video! I'm in the UK so the terminology we use is slightly different, although the accounts you talk about I can definitely relate too. I've been contemplating moving money from my cash savings account and just putting it into my investment account where it would be kept in a Money Market Fund. Interest rates are the same, but I lose the government protection. I do like everything being in one place. I only started investing 12 months ago so I currently have a total of £5k, which is about $6.5k I think?! I have my own place though and zero debts. Hoping to retire a bit earlier than most people, but I may have started a bit late (44 now ), so we'll see how it goes.

    • @galbiller
      @galbiller  27 วันที่ผ่านมา

      Thank you, I'm so glad to hear that! It’s great that you’re already investing and making progress, it’s never too late to start. Congrats on being debt free and owning your home, that’s a huge accomplishment! A diversified portfolio and automating your savings and investments can make a big difference. Best of luck with growing your portfolio and achieving your goal of early retirement!

  • @codycabral8267
    @codycabral8267 หลายเดือนก่อน

    Good morning gal hopefully you will put out a video today ur videos really inspire me to do great things financially

    • @galbiller
      @galbiller  หลายเดือนก่อน +1

      Hehe thank you! I will! 🤗

    • @codycabral8267
      @codycabral8267 หลายเดือนก่อน

      @ awesome can’t wait

    • @codycabral8267
      @codycabral8267 หลายเดือนก่อน

      @@galbiller❤

  • @codycabral8267
    @codycabral8267 หลายเดือนก่อน +2

    Hi gal your so disciplined with your finances have you been that way for a long time or did it take you a while

    • @galbiller
      @galbiller  หลายเดือนก่อน +3

      I've ldefinitely learned the importance of financial habits and making smarter decisions overtime! It’s been a journey and I’ve made some adjustments along the way. I try to focus on long term goals and staying consistent! Thanks for watching 😊

    • @codycabral8267
      @codycabral8267 หลายเดือนก่อน

      @@galbiller ur the best thanks gal

    • @codycabral8267
      @codycabral8267 หลายเดือนก่อน

      ❤️

    • @codycabral8267
      @codycabral8267 หลายเดือนก่อน

      I just wanted to tell you that watching your videos helps to remind myself to be more finally disciplined like you are

    • @codycabral8267
      @codycabral8267 หลายเดือนก่อน

      Hi Gal merry Christmas

  • @Lukas-kh5gu
    @Lukas-kh5gu 17 วันที่ผ่านมา +1

    15:26 really? was there an app yet with that kind of design back in 2013?

    • @galbiller
      @galbiller  17 วันที่ผ่านมา

      Yes that app was Coinbase. I actually bought through Mt. Gox in 2013 and transfered the BTC to Coinbase after they started suspending withdrawals

  • @Atrus999
    @Atrus999 22 วันที่ผ่านมา

    I'd definitely recommend getting back into the market if possible. At least start putting money into your retirement accounts. You're still relatively young so you have time on your side for compounding interest.

    • @galbiller
      @galbiller  20 วันที่ผ่านมา +1

      I’ve been thinking about it. Retirement savings are definitely important

  • @easyrawlins2392
    @easyrawlins2392 29 วันที่ผ่านมา +1

    Very good video. I'll will be watching your channel more. My question is are you doing this on your own or do you have e a spouse?

    • @galbiller
      @galbiller  29 วันที่ผ่านมา +1

      Thank you! On my own!

  • @rafaelflamenco7902
    @rafaelflamenco7902 15 วันที่ผ่านมา

    Gal, now you need to get a self directed Roth IRA to buy Real Estate. It has been my best investmet yet. Good luck with your investments.

    • @galbiller
      @galbiller  15 วันที่ผ่านมา

      Thank you! Yes it's a smart move, I thought about it when I purchased my properties in 2016 but I couldn't see how I would be able to get enough money inside the self directed Roth IRA for the down payment (Because of the yearly limit)

  • @nolimits1981
    @nolimits1981 หลายเดือนก่อน

    Awesome video! Gal will you be buying bitcoin again?

    • @galbiller
      @galbiller  หลายเดือนก่อน

      Thank you! I don’t know yet, Im really hoping it will go down so I can buy some…

    • @nolimits1981
      @nolimits1981 หลายเดือนก่อน

      @@galbiller Nice strategy but also remember todays prices are tomorrows bargains 😊
      But for me real estate will always trump as the real asset winner for wealth creation.

    • @galbiller
      @galbiller  หลายเดือนก่อน

      @@nolimits1981 Bitcoin scares me 😟 when I buy real estate I always have a good feeling, when I hold bitcoin im always worried I’ll wake up one day and it will fall to zero

    • @nolimits1981
      @nolimits1981 หลายเดือนก่อน

      @ I understand as there is no real use case for the asset but I definitely think there is scope now as institutional investor are welcoming the coin along with fed reserve looking to hold bitcoin. In this case knowledge will give you more confidence; even if you dca for the next few years - this will stop you missing out and naturally you will follow any major breakthroughs as you investing monthly.
      I hope you are having an amazing Xmas day :)

    • @galbiller
      @galbiller  หลายเดือนก่อน +1

      @@nolimits1981 thank you I hope you are as well!

  • @silkalmony5357
    @silkalmony5357 17 วันที่ผ่านมา

    I see the Kiyosaki infuence. Curious why change course now?

    • @galbiller
      @galbiller  17 วันที่ผ่านมา

      Change of course by selling BTC?

    • @silkalmony5357
      @silkalmony5357 17 วันที่ผ่านมา

      @ no going all in on real estate initially

    • @galbiller
      @galbiller  17 วันที่ผ่านมา

      @@silkalmony5357 Rental properties aren't cash flowing like they used to, it's less attractive to me. I need to put more money down for a positive cash flow- which I need to save for

  • @mark35867
    @mark35867 19 วันที่ผ่านมา

    Thanks for the update! Big mistake selling your bitcoin though :(

    • @mark35867
      @mark35867 19 วันที่ผ่านมา

      Oh wow this was before I heard you talk about buying 7 in 2013 too lol. You didn't learn your lesson to hodl then? :(

    • @galbiller
      @galbiller  18 วันที่ผ่านมา

      I would have had $700k with a $1k investment 🙈

  • @jayplays568
    @jayplays568 หลายเดือนก่อน

    Thanks for sharing this and being so transparent! If I may ask, how much do the three rental properties generate per month after taxes?

    • @galbiller
      @galbiller  หลายเดือนก่อน +1

      Thank you, the monthly cashflow is $1,300 a month (after PITI), I take depreciation as well so I don't pay taxes (yet...)

    • @jayplays568
      @jayplays568 หลายเดือนก่อน

      @galbiller thanks! What is PITI?

    • @galbiller
      @galbiller  หลายเดือนก่อน +1

      @ principal, interest, taxes and insurance (the payment of the mortgage, property taxes and insurance)

  • @DK-pr9ny
    @DK-pr9ny 22 วันที่ผ่านมา +1

    Well done! You’re gonna regret selling that Bitcoin. 😉

    • @galbiller
      @galbiller  20 วันที่ผ่านมา +1

      You might be right... I’m definitely second guessing it a little...

  • @nedas9187
    @nedas9187 23 วันที่ผ่านมา

    How did you make the money to own three properties free and clear by age 39?

    • @galbiller
      @galbiller  23 วันที่ผ่านมา

      They still have a mortgage of around $300k I made a video about my financial journey, the link to that video in the description box 🤗

  • @ryansimpson3074
    @ryansimpson3074 หลายเดือนก่อน

    This randomly came up on the YT algorithm. Great content and I just subscribed.
    I also use brokerage for the same reason and I'm currently liquid as this market is long overdue.
    Real Estate seems complicated so I never got into it outside of REIT trades.
    ROTH IRA. Well. Quite possibly the greatest thing ever and I try to max it out every year. The tax advantages make it a no brainer and because of the long term nature of this account I feel very comfortable making moves here.
    At 37 years old I see the ROTH as a must and I can't wait to make my deposits.
    *** Great video. You are doing a lot better than me and your also not afraid to take profits which is smart. All the best and looking forward to more. :)

    • @galbiller
      @galbiller  หลายเดือนก่อน +1

      Thank you! I totally get why people buy REITS instead of real estate. I'm planning to max out my Roth IRA this year as well! Very excited :) Wish you all the best as well and thanks for subscribing 🤗

  • @censoredeveryday3320
    @censoredeveryday3320 21 วันที่ผ่านมา

    Hopefully you don't have a large tax bill from that Bitcoin sale. Good job.

    • @galbiller
      @galbiller  21 วันที่ผ่านมา +1

      Thank you! I hope so too, I’ll know in April when my tax preparer files my tax return…

  • @Dad-in-WA
    @Dad-in-WA หลายเดือนก่อน +3

    Great job on saving/investing. I would open a Roth to get tax advantages. I started diversifying in my early 40s opening brokerage and Hsa. Looking at your old videos, you seem like a spender on clothes..

    • @galbiller
      @galbiller  หลายเดือนก่อน +4

      Thank you! I’m actually planning to fund my Roth IRA and open an HSA in January, I just got an eligible health plan, so I'm excited to take advantage of all those benefits! 🤗 I used to spend a lot on clothes, but now I've accumulated more than I need! These days, I'm focusing more on saving and investing for my long term goals!

  • @kimberlywiezcorek6313
    @kimberlywiezcorek6313 หลายเดือนก่อน +1

    Dont put all in stocks.

  • @ajvalencia1264
    @ajvalencia1264 หลายเดือนก่อน +3

    Sold your bitcoin!? I’m sorry for your loss

    • @galbiller
      @galbiller  หลายเดือนก่อน +1

      I had 10 in 2013 who would of thought

  • @MonicaHolly143
    @MonicaHolly143 24 วันที่ผ่านมา

    Just clicked on this video to tell you, you look way younger

    • @galbiller
      @galbiller  24 วันที่ผ่านมา

      Thank you! 🤗

  • @mansoor3159
    @mansoor3159 หลายเดือนก่อน +2

    Gal you know that I am your biggest biggest supporter and whenever you posts a New Video it's makes my day instantly 💗🥹🥹 God Bless You Always Always and your videos are genuinely genuinely helpful to me in my life

    • @galbiller
      @galbiller  หลายเดือนก่อน +1

      Thank you so much! I'm so grateful for your support! Have a great weekend! 🤗

  • @Natonimus
    @Natonimus หลายเดือนก่อน +1

    Oof.. got out of bitcoin right before it popped lol

  • @hawkthetracer
    @hawkthetracer หลายเดือนก่อน

    You look pretty and at least 5 years younger.

    • @galbiller
      @galbiller  หลายเดือนก่อน

      Thank you!

  • @Slynell1
    @Slynell1 หลายเดือนก่อน

    Im 40 and my net worth is -$6000

    • @galbiller
      @galbiller  หลายเดือนก่อน

      It's never too late to turn things around! Thank you for sharing :)

  • @turbobusterman
    @turbobusterman 26 วันที่ผ่านมา

    11:00 😂 someone’s scared of trump

    • @galbiller
      @galbiller  26 วันที่ผ่านมา +1

      The stock market has generated extremely high returns these past few years, that doesn't mean they will continue...

  • @sijilo
    @sijilo หลายเดือนก่อน

  • @azizkaraulov6872
    @azizkaraulov6872 หลายเดือนก่อน +1

    Hi Gal 😊 Are you married ?

    • @galbiller
      @galbiller  หลายเดือนก่อน +2

      Hi! No I am not :)

  • @sarahsummers8919
    @sarahsummers8919 หลายเดือนก่อน +1

    I also have 💯 stocks in my 401K, Roth, & brokerage accts mostly stocks & ETF. I do have a mortgage and has $1200 rental income from basement rental and tax free $755 from VA disability.

    • @galbiller
      @galbiller  หลายเดือนก่อน +1

      That’s a smart way to diversify! It’s also great that you’re getting some extra cash flow with the rental income from your basement and the VA disability benefits. Thanks for sharing and best of luck 🫶

  • @fan_girl21
    @fan_girl21 26 วันที่ผ่านมา

    you look 25, not 39!! spill your secrets!!!

    • @galbiller
      @galbiller  26 วันที่ผ่านมา

      Thanks so much! Staying happy and healthy 😜

  • @censoredeveryday3320
    @censoredeveryday3320 21 วันที่ผ่านมา

    No husband or kids?

    • @galbiller
      @galbiller  21 วันที่ผ่านมา +1

      Not yet :)

  • @MrMiniPancakes
    @MrMiniPancakes 23 วันที่ผ่านมา +1

    Smash

  • @michaeltowle3460
    @michaeltowle3460 25 วันที่ผ่านมา

    All i took from this was well i only made money bc of bitcoin so i sold all of it. If i kept the bitcoin i bought before id be doing great. Moral of the story, learn bitcoin, buy and hold, thank yourself later 😁

    • @galbiller
      @galbiller  24 วันที่ผ่านมา

      It’s very risky though! You don’t want to be the last one holding it … but yeah it would have been great if I hadn’t sold them in 2014! 😕

  • @peaceful4you408
    @peaceful4you408 หลายเดือนก่อน

    You look like a white Nicole Ritchie.

    • @galbiller
      @galbiller  หลายเดือนก่อน

      I’ve never got that one before lol but thank you