--- title: 'Revealing My Millionaire Net Worth at Age 33 (Stocks, Crypto, Cars, Assets)' source: 'https://youtube.com/watch?v=3qRQno6xmG0' video_id: '3qRQno6xmG0' date: 2026-07-28 duration_sec: 751 --- # Revealing My Millionaire Net Worth at Age 33 (Stocks, Crypto, Cars, Assets) > Source: [Revealing My Millionaire Net Worth at Age 33 (Stocks, Crypto, Cars, Assets)](https://youtube.com/watch?v=3qRQno6xmG0) ## Summary A 33-year-old entrepreneur reveals his asset allocation, including cash, stocks, crypto, real estate, and collectibles, to show how he builds his net worth. He breaks down his portfolio across personal and business accounts, emphasizing index funds and long-term holding. ### Key Points - **Personal Checking and Savings** [00:01] — $23,000 in Bank of America for personal expenses. He advises keeping minimal cash in such accounts. - **High-Yield Savings** [01:06] — $646,000 spread across SoFi and Ally earning 3-4% interest. He admits having too much cash here. - **Business Bank Accounts** [01:37] — $1.6 million in total business cash ($1.454M + $178K). He considers this excessive but likes having liquidity for operations. - **Individual Stock Holdings** [02:18] — $1.3 million in individual companies across Weble, Robinhood, Charles Schwab, and Vanguard. Top holdings: Apple, Tesla, Palantir, Microsoft. - **ETFs and Index Funds** [02:44] — $1.624 million in personal brokerage and $357K in business accounts. Favorite ETF: VOO (S&P 500) with very low expense ratio. - **Treasury Bills** [03:54] — $1.342 million total ($635K business, $707K personal) earning 3.5-4% interest (~$45K/year). Interest is state-tax-free, beneficial in California. - **Crypto Holdings** [04:31] — $650K in Bitcoin, significant Ethereum, small Doge, NFTs, and other coins. He holds long-term and never sells. - **Retirement Accounts** [04:59] — Roth IRA: $114K. Solo 401k: $711K invested in VFAIX and VTSAX. He recommends maxing out Roth IRA for tax-free growth. - **Health Savings Account** [06:15] — $7,700 in HSA. Eligible for those with high-deductible health insurance. Tax-advantaged for medical expenses. - **Alternative Investments** [06:42] — $200K in private equity and angel investments (restaurants, startups). High risk; not recommended for most people. - **Active Businesses** [07:08] — Three businesses (media, recruiting, content agency). Equity not calculated; marked as $0 due to difficulty valuation and no intention to sell. - **Real Estate** [07:33] — $350K equity in co-owned investment property with two tenants. No primary home due to high cost of living (rent 3x cheaper than buying). - **Cars and Collectibles** [08:26] — Four cars worth $1.05M total ($950K equity after $100K loan on Sprinter RV). Collectibles: $120K in watches. He views cars and watches as value-holding assets. - **Other Assets and Loans** [10:00] — Loans to friends ($30K), a Duffy boat ($30K). Not including miscellaneous equipment. Emphasizes that net worth isn't everything but encourages financial education. ### Conclusion The speaker advocates for focusing on income growth and passive investing in index funds, while acknowledging that net worth is not the ultimate measure of success. He encourages viewers to 'water their financial garden' through continuous learning and entrepreneurship. ## Transcript net worth at age 33, showing you exactly how I allocate my money. Now, originally, I didn't want to make this video at all because, honestly, it's a complete total invasion of my privacy. But, I think a behind-the-scenes like this is really helpful for anyone in their 20s, 30s, 40s who's looking to what I actually invest my money into, how much money is in each of these you guys will get some value. So, let's start with the cash I have in my bank accounts. So, first, I'm going to talk about my personal checking, savings, and a bunch of different accounts through different banks, and these are just the ones that are connected to my Monarch Money account, which I basically use to So, first, I'm going to talk about my personal checkings and savings accounts. So, I use Bank of America for this, and right now, I have $23,000 account to pay for like my personal small personal expenses like utilities account that's connected to my personal credit cards, so whatever I put on those a big believer that you should not have that much money in these types of at all. Next is my high-yield savings account. So, currently, I have $646,000. This is spread between my two accounts at SoFi and Ally. These are my favorite I'm getting between like 3 and 4% interest on the money sitting there. also a lot better than keeping all my money in Bank of America or Chase. So, inflation, and honestly, right now, I have way too much money in my high-yield lot lower cuz I should definitely be putting more into actual investments. accounts, so I do have a few different businesses, then I actually have just businesses, then I actually have just over $1.6 million total in cash. So, $1.454 million in one set of accounts, and then $178,000 in another account. business bank accounts, it's just over $1 million. Personal checking and savings, $23,000 and high yield savings account, I definitely have too much money in my business accounts. I should not have pretty big. It's nice to keep a bit of money in the business. And so, yeah, accounts are at. Now, let's talk about my investments. So, if you've watched I am a big believer in index funds, but I also invest in individual companies, too. So, if you look at my current portfolio, I have $1.3 million in individual companies and my biggest holdings are going to be Apple by far and then Tesla, Palantir, Microsoft, companies like that. And most of these are in taxable brokerage accounts. So, these are spread across accounts with Weble, uh Robinhood, Charles Schwab, as well as Vanguard. Now, in ETFs and index funds, uh I currently have $1.624 million in my personal brokerage accounts and $357,000 in my business investment accounts. So, yes, you can actually hold these types allows me to leave some money in the business and just have it grow rather than just sitting in like a crappy business checking account. My favorite ETF by far is VOO. This basically tracks the S&P 500. So, a lot of my money is there. The index fund equivalent is going to be VTSAX. These are both need to use Vanguard to buy them. You can basically use any account. The reason why I love these is because the expense ratio is super super low. So, They've also performed really well historically. And yeah, my best investments by far, besides investing in myself and my own companies, is in these the times when I try to invest in something a bit more risky, it doesn't principle that my dad has really really taught me. Just park your money in index funds, ETFs. You're investing in the market as a whole and over time that is passive, so I don't even look at these, you guys. I'd rather focus my time and energy on just building my businesses. Okay, next is Treasury bills. I'm a pretty big fan of Treasury bills because it's also a very passive way for me to have my money earn some interest. The best thing for me is that any interest you make from T-bills, it's not taxed by the state. So, I'm in California. Obviously, we have a very high California state income tax. And any money I make from T-bills does not get taxed at the state level, only at the federal level. So, I have $635,000 in my business account Treasury bills. And I have $707,000 currently in my personal Treasury bills. So, if you add that up, I think it's $1.342 million. I think the current interest rate I'm getting in those is between 3 and 1/2 to 4%. So, that makes about $45,000 per year in passive income. Next are my crypto holdings. So, I counted it all up. I have about $650,000 in Bitcoin. That's the one that I recommend for most people. But, I also have a good good chunk of Ethereum. I have a tiny bit of Doge, NFTs, and other smaller coins like that. And yeah, overall, I do believe in the long-term potential for crypto. And that's why I just buy Bitcoin and Ethereum mostly. I just hold it long-term, and I never never sell. Next, let's move on to my retirement accounts. So, in my Roth IRA, I currently have $114,000. If you guys aren't maxing out your Roth IRA, I highly highly recommend doing that. It's a tax-advantaged retirement account. It lets you put in post-tax money, so money that you've already paid taxes on. And any gains you make in this There's also a traditional IRA that you guys can do. The only difference with actually tax-deductible in that year. But, any gains you make in that account it's really a trade-off, but for me, I like the Roth IRA. And then next is my solo 401k. So, this is sponsored by one of my businesses. Right now, I have in this account. And as you can see, most of the money is in VFAIX as well as VTSAX. So yeah, money is basically invested in index funds. Now, my favorite ETF is definitely VOO. This tracks the S&P 500. So basically, when you invest in this, you're investing in the top 500 companies in the US. And for me, I just love putting my money in the market as a whole cuz I really try to not time the market. I also try to really not think that I'm smarter than other people. What I've been told over and over again is that you should try to not pick stocks individually, rather just invest in the market as a whole. It's a super thing to do. Instead, focus your time building your business making investing in the market as a whole should perform extremely well. Next is my health savings accounts. So, currently have $7,700 and you have a high deductible health insurance, then you're actually eligible to start putting money into an HSA. I think the cap is about $4,000 per year right now. And you can use this money to spend it on eligible health stuff. So, I this. Next are my alternative investments. And as of right now, I have about $200,000 in private equity and recommend taking advantage of this. I'm not going to dive too much into what those are, but they include like restaurant investments, some more like angel investments. So, I don't recommend this for most people. There's a very just going to disappear. Yeah, currently about $200,000 in this category. So, next are my active businesses. Now, what I could have maybe done is try and calculate how much equity I have in my businesses currently. So, just a little bit of background, I have a media company that basically does YouTube educational videos. I have an overseas recruiting agency. I also have a YouTube content agency. It's very hard to sort of guess what equity I have in each of worth. And so, I don't really want to include this in my current net worth. I also don't plan on selling any of these businesses anytime soon. So, I'll mark this as $0. Next, let's talk about my real estate. So, this is something that I really wish I had more of. As of right now, I have about $350,000 in equity in my investment property. This is a property that my sister and I co-own. We currently have two tenants living in it. And if you take the current price that it's worth, subtract the mortgage on it, then we're each left with about $350,000 of equity. This was a project that I worked on many years ago. I put a lot of place. Yeah, as of right now, that's the only money I have in real estate. And live in very high cost of living areas where I just don't think it really makes sense to buy a home. It would probably cost about three times of what I'm currently paying in rent to buy a home. Plus the 20% down payment, that would easily be over a million dollars. Now, let's talk about my other assets. So, first let's talk about cars cuz I do love cars. If you add up the value of my four cars right now, it adds up to about 1.05 million dollars. Most of my cars I paid cash for, but I do have one loan of about $100,000 on my Sprinter RV. So, if you do the math, that's about $950,000 of equity in my cars. Now, I don't buy cars just to drive them. I think they can actually hold their value quite well. One huge reason I buy is because I actually think the value of that car is going to either hold steady or go up. So, my Aventador SV Roadster, it's one of 500 in the world. That has made about $100,000 at least in profit since I bought it last year. My 458 has also held its value extremely well. I could probably sell it for about what I bought it for about four or five years ago. Range Rover, horrible investment. That the Sprinter RV, now also not the best it does generate a little bit of income. Next are my collectibles, so like tried to calculate it. I think it's about $120,000 in watches right now. That's all I'm going to really say are my collectibles. purchased over the years. I do like watches. I do think they hold their value quite well if you buy the right ones. So, instead of thinking like I'm going to spend $10,000 on a watch and that money is gone forever, I think a going to spend $10,000 on a watch. What's it going to be worth later on in many of the times for the types of watches that I buy, they're going to hold their value. They might even go up. So, it's almost like it's free to own. But, of course, you are losing out on the opportunity cost of uh you know, like to give out loans to my friends who are starting cool companies. So, currently I have about $30,000 loaned out that's, you know, I am owed at some Duffy boat, which I just purchased a couple months ago, that's probably worth about $30,000. I'm not going to include all the miscellaneous assets I have like equipment and stuff. Obviously, I do need to buy quite a bit of this for my good amount, but I'm not going to going to sell them. And also, I'm a little bit lazy. I don't want to add all my liabilities. I already talked about my mortgage, which I included in the video, so I'm not going to talk about that. Obviously, in the grand scheme of things, your net worth It's important, but it's not that important. However, I've always had this goal where I wanted to become rich. I think that if I stay hopefully be able to look back on this video and be like, "Wow, Charlie has a this video gave you guys some insights. Again, I really don't want it to seem like I am bragging at all. There are a lot people with net worth lower than this, but there are also a lot of people with net worth way higher than this. I to see the behind the scenes of someone's net worth, where they allocate there's a lot that we can learn from how other people structure their net worth that I personally use down below in the description. I do think you'll get some them. But yeah, overall, you guys, anyone can build their net worth. And my is green where you water it." So, if you care about your finances, if you care need to water it, right? You need to spend time learning about it, learning how to build it, and just talking more about money. And also, of course, build faster. I think increasing your income is the most important thing that every young person should be thinking about. In this day and age, with the internet, with AI, making money online is without a doubt easier than ever. You can also start a service-based business for close to $0. And so, I truly think for any one become an entrepreneur, if you truly want it, you can do it. It's hard, of course, but the roadblocks today are as small as they've ever been. Thank you so make sure to hit that like button. Subscribe if you want to see more content like this. I do a ton of videos about entrepreneurship, uh AI, tech, uh whole goal is to help you guys live a financially successful life. Again, thank you so much for your time, and I'll see you in the next video. Peace.