---
title: 'Roasting My Subscribers'' Investment Portfolios with The Money Guy Show'
source: 'https://youtube.com/watch?v=YmGqYy2tGRc'
video_id: 'YmGqYy2tGRc'
date: 2026-08-05
duration_sec: 1810
---

# Roasting My Subscribers' Investment Portfolios with The Money Guy Show

> Source: [Roasting My Subscribers' Investment Portfolios with The Money Guy Show](https://youtube.com/watch?v=YmGqYy2tGRc)

## Summary

In this collaborative video, the host is joined by financial advisors Bo Hansen and Brian Preston from The Money Guy Show to review and critique three subscriber-submitted investment portfolios. The discussion covers portfolio construction, savings rates, emergency funds, and the trade-offs between individual stocks and index funds, offering practical advice for young investors.

### Key Points

- **First Portfolio: 29-Year-Old Couple** [00:43] — A 29-year-old married man in Pittsburgh with a combined income of $125k, saving ~$2k/month. Net worth $334k, with $146k in investments. Advisors note they are on track but have too many holdings and too much cash.
- **Savings Benchmark** [02:18] — Goal is to have 1x annual salary saved by age 30. This couple has $146k vs $125k income, so they are 'crushing it'.
- **Emergency Fund Guidance** [02:33] — Recommend 6 months of living expenses. For this couple, ~$30k is appropriate, so they may be holding excess cash.
- **Question: Reducing Savings Rate** [03:42] — Wife may stop working, reducing income by 30-35%. Advisors explain that if income drops, a lower nominal savings amount can still maintain a similar savings rate.
- **Don't Delay Family for Money** [04:36] — Brian warns against postponing children solely for financial reasons, emphasizing that kids are valuable and the couple is responsible enough to handle it.
- **Portfolio Overcomplication** [05:27] — The couple has ~50 holdings in brokerage, 20+ in 401k, and many individual stocks in Roth IRA. Advisors call this 'hassle factor' and suggest simplifying to low-cost index funds.
- **Savings Rate > Rate of Return** [07:05] — At this stage, savings rate is exponentially more important than investment returns. Focus on increasing savings rather than stock picking.
- **Consolidate Small Holdings** [08:10] — Recommend selling tiny positions (e.g., $11, $14) and consolidating into a low-cost index fund. Also, 401k likely has overlapping funds; consider a target date fund.
- **Individual Stocks: Need Conviction** [09:17] — If owning individual stocks, have a deep, convicted reason. Otherwise, stick with index funds. The 'hassle factor' isn't worth it.
- **Second Portfolio: 26-Year-Old Railroad Conductor** [10:35] — Income $135k, net worth ~$1M (mostly inherited real estate). Investments $78k, cash $15k, cars $130k. Advisors praise income but note low cash and lack of 401k.
- **Windfall Advice** [12:59] — Don't let inheritance inflate lifestyle. Continue behaving as before to let the windfall compound into multi-millions.
- **Managed Funds Criticism** [14:22] — The portfolio uses managed funds with high fees, likely 'closeted index funds' with 70-80% overlap. Question what you're paying for.
- **Emergency Fund Too Low** [15:46] — With $15k cash and assets like property and cars, emergency fund may be insufficient given property taxes and insurance costs.
- **Third Portfolio: 24-Year-Old Math Tutor** [17:05] — Income $91k, net worth ~$200k, investments $148k. Living at home, spending $1,500/month. Advisors are impressed and call it 'insane'.
- **Prioritize Goals** [18:26] — Rank goals (FIRE, home ownership, family) to decide where to allocate money. Money is a tool for goals.
- **Wealth Multiplier** [18:54] — At 24, every dollar saved can multiply ~88 times by retirement. This person is on track to be a millionaire by 30-33.
- **House vs. Investing** [21:53] — Young people face the dilemma of saving for a house vs. future. Advisors suggest not to cut off investing; first home down payment is often 3-5%, not 20%.
- **House is a 7-10 Year Decision** [23:00] — Don't rush into homeownership; ensure you'll stay 7-10 years. Consider life changes (marriage, job) before buying.
- **Third Portfolio Analysis** [24:20] — Brokerage $25k, Roth IRA $7k, 401k $116k (mostly S&P 500). Advisors like the 401k but question small positions like $46 in BBAI.
- **Car Debt Debate** [25:56] — Advisors disagree on paying off car loan. Bo says if interest is 7-8%, pay it off; Brian argues dollars are worth more invested. Both agree it's not a big issue.
- **Portfolio Ratings** [28:33] — Portfolio 1: 3.5/10 (too complex). Portfolio 2: 6-7/10 (managed funds but okay). Portfolio 3: 7-8/10 (clean, low-cost).

### Conclusion

The video emphasizes that young investors should prioritize high savings rates, simplify portfolios to low-cost index funds, and avoid overcomplicating with too many holdings. It also highlights the importance of emergency funds and not letting lifestyle inflation derail long-term wealth building.

## Transcript

where we are roasting my subscribers portfolios and today I have some special the money guys here. We've got Bo Hansen and Brian Preston. They have a really great channel. I'm over here in Tennessee. We're obviously in their set
and so we are going to be reviewing three user submitted portfolios of going to get the actual financial advisor's take on how they're doing. So, introduce yourself any further or should we just get right into it?
>> Well, I mean, you brought in heavyhitting roasting. That's what we're known for. We are the hardest hitting Jerry Springeres type people you could have brought on. >> Great. So, let's get into submission
number one. All right. So, our first guy right here, he's a 29year-old married man in Pittsburgh, Pennsylvania. He also has a wife who is a hair stylist and together their income is $125,000 per year.
>> They are making about $6,500 per month and they are spending $4,500 per month. So it's about a $2,000 difference. They have goals of financial freedom. They retire early in travel, and their risk profile is medium to aggressive and for
the next 25 to 35 years is their time horizon. We're shortly going to get into the portfolios, but there are some other questions uh that they had in particular that we'll also address, but you know, first take, what do you think? Uh pretty
>> It's a great income for a 29year-old couple. Uh when I see something like immediately goes to okay, well that means pretty heavy savings rates. I'm be aggressively because those are kind of aggressive goals if they're going to do
>> Yeah, I see kids education. And I'd be curious to know the balance between >> Sure. that backwards a little bit. They save for the kids first before they even save
that, but let's first look at their net worth right here and their assets. So worth right here and their assets. So cash 58k about 17%, investments 146k, which we'll look into their portfolios, and then they also own some real estate
um with a mortgage about 90,000. So uh net worth $334,000 at the age of 29. I >> Yeah, we have a we say that your goal should be you want about one times your annual salary saved up in investments by
hearing that they make about 125,000. Their investments are at 146. I said be crushing it right now. >> Yeah. I mean even if you include the >> Oh, even higher. 200,000. >> Do you think they have too much cash if
they're spending about $4,500 a month? >> Uh we generally say a sixmon fully living expenses. I don't know what's included in their 4500. So if we just conservative and rounded that up to 5,000, 6 months of that, maybe $30,000
would be an appropriate emergency fund. So perhaps they're a little heavy in want to ask. Why do you have that much extra cash? their a little bit more about their profile. So, uh, my wife and I are
>> planning start. >> This is such a financial mutant thing that they don't even have yet. >> I know. So, so I guess you know when he education, he doesn't even know what
>> Uh, but their main question is that she currently earns about 30% to 35% of their income of the $125,000, but she's >> Okay. >> Her income covers our extra margin and
live we already live pretty conservatively and expect to cut back further than when when the time comes. and their main question is, "Have we built enough of a financial foundation in our 20s to stay on track long term if
our savings rate drops significantly in their 30s?" >> Um, I don't remember what their savings rate was, but I assume if it's $2,000 out of 6,500 of their income that they're probably saving close to 30%.
>> But they're about to take a 30 to 35% reduction in their income as But remember the way the mathematics works here is that if your income reduces and your even though your savings nominal value decreases, the savings rate may
income goes down and you're saving off of that income, that's still okay. We saving 25% of your gross income, but that's what your gross income is today. it makes sense that your savings would also decrease with that. There there's
start doing the family planning stuff I mean there are expenses for her going to work as well that will be reduced and and I guess where I'm leading to because I know where this question's going. Don't completely delay your family
planning because of money. Sometimes as financial mutants, we're so caught up in the the money stuff that we end up becoming the plotline of idiocracy where we just don't have children. And that's just that's not the smart thing because
I'm telling you as a guy who's got uh two children, one's a 22 year old senior in college. Kids are pretty awesome. So, you know, it's one of those things where should have had three or four at this point because it's easy when they get to
the this age. Um but but that's the thing. So, be smart, be responsible, measure twice, but I wouldn't necessarily based upon how responsible they're being, I wouldn't defer having children because of the the fears that
>> Okay, you ready to get into the juicy part? the portfolio. >> whoa, what? >> This is his portfolio or his and hers. And they have probably 50 holdings in their brokerage, 20-ish holdings in
every single one of these ticker symbols. I don't expect you to know any give me your thoughts off the bat. I personally think he's got too many. We can talk about that. I think he's got too many funds in his 401k as well.
>> And his Roth IRA looks like a lot of individual stocks. some index funds. But >> Bo, I I'll start this off with um you have three children and one of them is pretty young. >> Um how much time do you have to be doing
come home? >> Less than zero minutes. >> You're the messy middle. Meaning that you know when you don't have extra time for for anything but really just making sure
This is going to self-fix itself, Humphrey, because he's just not going to be able to keep up. Um, keep up. And what why is this even adding value? Is he outperforming the S&P 500 or total market index anyway?
probably need some more information from him in particular. But I would just say if I were him, I'd probably be reducing these holdings. I I I would hope that these sheets are like a tenth of what they look like right now, right? So in
holdings. Roth IRA, three holdings, 401k, one or two, little bit of the bug. I see SWPPPX that swab S&P 500 fund. He's got like 13,000 in there. If you have that going on anyways, why do you have $60 of this
stock and $100 of this stock and $14 of this stock? Like, I just don't know that of cleaning up that could likely make his life a whole lot easier. And now I have to don't major on the minors at this stage. They've got a great
foundation, but right now their savings rate is going to be exponentially more important than their rate of return. And so they should focus more on that than there and trying to buy. >> There there's a lot of hassle factor
when you don't come from money, you think that you have to do what rich people do to get wealthy. And one of the first things when you find out about personal finance and the investment world is you think individual stocks.
world is you think individual stocks. >> I guys, index funds are your friend. I mean they really do make life easy and it's just and by the way people who have It's it's just part of that education curve. This the hassle factor is not
worth the squeeze of the fruit I think. And also if you analyze to see are you getting actual alpha out of the the portfolio you outperforming. >> I think he'd be he'd find especially if you go look at the SPA data he's
>> What do you think he should do as of like what could he do right now as of What would you guys recommend? >> Well, so in the brokerage account, it We'd want to know the tax impact of any of this, but a lot of these like small
of this, but a lot of these like small holdings, this $11, this $14, these $100 be cleaned up, maybe sold and consolidated into some sort of lowcost index. I think maybe even more than the brokerage account, the thing that's
given me some like anxiety is his 401k. Cuz this one is not individual stocks. individual funds that he has. Listen, I can't imagine having that many holdings across $61,000. I bet if you did an overlap
study, there's going to be a lot of commonality across those holdings. I if he's not doing like a target retirement index fund, maybe he has two, three, maybe four of those mutual funds represented and nothing more.
enrollment application and he Christmas treed it? like you know you always heard when you got the standardized tests in elementary school is do not Christmas tree this and he he basically checked every one of them he put a little bit
>> All right, that's really helpful. And what do you guys think about individual of consensus? >> I mean I see he's got Nvidia in there. He just didn't buy enough of it. I'm just kidding. That's not that's not
hindsight is 2020 of course but it's like it's like everything else. Buy the index fund and cut out the hassle factor. One of the questions I ask is, do you own that? Okay, BBA, why do you own that? CL, if you're going to own
you're going to own them inside of a Roth IRA, I want you to have a deep convicted reason why. I believe in this company because X the stock tickers and I just kind of picked some that looked exciting, right?
Because again, I think that if you had, I hear you say this, maybe four or five individual stocks that you felt compelled to own, do that. But lowcost index funds. >> Yeah. What I kind of see is that some of
stocks. You know, I see I see the quadruple U in there, which is a an energy stock. And then you've got RKLB, Rocket, I think it's Rocket Lab. >> Rocket Lab. Rocket Lab. And then you got you got some, you know, OQ, which is
of see maybe where his bug came from. It's like, oh, >> Yeah. >> He's like, yeah, you know, give me some Facebook and then give me some Coca-Cola. might be a Diet Coke fan.
>> All right, so those are my our reg Oh, our suggestions for submission number one. And let's actually go into the next portfolio now. And that is submission number two. He is a 26-y old man in Kansas. He's a railroad conductor. Get a
load of this. >> And he's making an incredible income for Kansas. Uh $135,000. He's making close to $8,000 per month. Looks like he's spending a little less uh little more than half of that at $4,200 per month.
And his goals are pretty funny. I like his goals, right? Retire early, generational wealth, cars. Let's go some cars. That's what he likes. And we'll his portfolio. We'll see what he's got in there. But his risk profile is
>> 25 years. >> And if we actually look at his net worth, he's got about a million bucks in net worth. And when we dug into this a little bit deeper, it's because he's inherited a little bit of property from
>> So, we know that that's uh that's a part of his holdings. But if we take out the real estate, we can actually see that he's got 15K in cash, 78K in investments, and then the other the 130,000 are his cars, which we will talk
>> 26. >> 78. I mean, what I'd be curious is how much is that 70 close to $79,000 is from him saving and investing. Um because I I never hold it against somebody because when he says generational wealth, I
think it seems like he might be there might be a responsibility that more especially when I saw the other assets. And then we're going to show in a minute >> Yeah. >> Um
>> there's I I'd want to know what behavior is going on so that we can make sure that we're good stewards of the money that might be coming down the road. that behavior is actually creating assets,
need to figure out. But before we go into his portfolio, let's look at his >> Okay. >> Um, so he says, I have a good job, no debt, and a strong foundation early in life. My situation
life. My situation >> 26 making 135 135. That's hu that's a for that's just a huge income for a person at 26. That's awesome. who I don't know many railroad conductors in the first place, which
right moves. How can I take full advantage of my head start to build massive wealth for my future family? So, you know, we already know he's got close to a million dollars net worth. Of course, 80% of it is in real estate.
large windfall of money and you were young in your 20s or your 30s? What >> Yeah, I think one of the things is is the windfall is obviously going to give negate the fact that he's doing very well on his own. So I would think, okay,
well on his own. So I would think, okay, >> I make 130 $135,000. I had this inheritance come in. I had this windfall come in. What I don't want to let that do is give me a false sense of confidence that I can live beyond my
just say, "Oh, because I have a million dollars now, that gives me freedom and permission to start living large." If I can behave the same way I was before I got there, the same way that allowed me to build up to 78 $79,000, what's going
to happen for him likely is a million dollars at 26 is going to rapidly turn into $2 million and then three million and four million. So that he's likely going to have a lot more flexibility, a lot more options earlier on in life
because of this inheritance if he allows it to be wind in his sales, not the rest of his lifestyle. >> I remember thinking when I was um you know, when we were talking about this is that his his spending seemed a little
muted for having such big real estate and other assets that are out there. So, reserves reflected a a lot of that as well. if he kept his spending under control,
generational wealth. If he just did nothing and just invested, you know, a full million bucks worth of worth of his net worth. But let's look at his portfolio right now. Uh let's see here. >> And you can see it's pretty clean. Uh
>> And you can see it's pretty clean. Uh he's got a few American uh American He's got a traditional IRA. And then not one, not two, maybe they're red, blue, and green. But, uh, would love to
hear your take. The cash seems a little bit low on in my personal opinion. But, jumps out to me is I don't see like an employer sponsored retirement account. I don't see a 401k or a 457 or something like that. So, I'd want to ask him, hey,
are you someone who has access to that? Because at your income, you're kind of you might not be able to do Roth contributions anymore, right? So, I'd want to know, are there other savings mechanisms from a tax standpoint
of just because I don't see that listed? And I would think for a railroad, they'd in place. >> I I want to challenge him on those investment assets. Those are all managed investment funds with higher internal
>> I recognize especially the ones in the Roth IRA. Uh there's been criticism in the past that some of those funds are closeted index funds. Meaning that if you go look at the overlap of what the holdings are for those funds, by the
each other. Anyway, if you go look at the makeup, I bet they have an overlap of 70 to 80% anyway. And then if you go compare that now to the S&P 500, you would quickly see what am I actually getting for the management of these
funds. And should I have two funds when there really could just be one at a lower cost? option. And then I'm also Humphrey, I agree with you. Um his his emergency fund at 15,000 when I think about if he has that close to a million
be property taxes on that and it looks like it has no debt on it that you could escrow. He's going to be in charge of the property taxes on it and three Corvettes. There's going to be insurance costs for all these extra assets as
well. um and maintenance and other things that I would I would be I don't know that that made it into his cash flow analysis. You have to not only take into account what you spend on a monthly basis. Make sure you don't skip out on
those oneoff things because property taxes and you know an insurance on your assets is is a legitimate expense that needs to be built into the budget as >> I would say compared to the first submission though, way cleaner of a of a
>> Oh yeah, for sure. For sure. I just but optimization wise I always want to say what's the why because look you know we're financial adviserss I just want to make sure you're you're pay you're getting some squeeze of the fruit for
what you're paying for and if these things from an investment standpoint a commoditized and you can just do index funds make sure that your advisor is doing other things to add value too on the financial planning side of things
>> All right any more thoughts on this one? No, we're going to be moving on to submission number three today, which is a 24y old in Minnesota. So, a young guy >> and well, yeah, they all watch my channel, so I guess
you know guys, it is hard to find financially channel. So, you know, we're actually trying to give you a good mix of our guy that was making like $800,000 a year that submitted his portfolio. I was
like, I listen, man. You can help me when I can help you. All right. Like, but um this submission is a 24-year-old in Minnesota. part-time math tutor. So, >> why not? You know, we're that smart and
Let's go ahead and make the next generation better with math tutoring. >> That's right. And so, between the two jobs, they earn $91,000 in Minnesota, $5,500 per month. And they spend pretty low. I think they live at
home, $1,500 a month. >> They would like to looks like they want to own real estate as quickly as possible. support kids, which I don't fire, >> right? Financial independence, retire
early. Risk profile, again, medium to aggressive, 20, 30 year time horizon. So, right off the bat, any comments about that? First thing, I love how we want to see is I want to see them rank them from 1 to 10. What's the most
important? Is fire fine the most important thing or is home ownership the don't or is having starting a fan? Because the order of those goals will likely dictate where the dollar should go. Our money is nothing more than a
goals we have. We have to prioritize those goals so that we can send money in >> I would encourage this 24 year old to go to moneyguy.com/resources. look at our wealth multiplier and then get busy stacking because when you see
how every dollar for a 24 year old I mean I I know off the top of my head that a 20-year-old is 88 times over and he's not that far or she's not that far >> Goodness gracious. This is this is an incredible wealth building opportunity.
in this in the description. So, make sure to check that out. >> Draw more links. >> Watch it now. I'm just kidding. Uh after It'll be down below. But let's actually look at their net worth right now and
what they have. So, right off the bat, 28k in cash, $148,000 in investments. >> This was really surprising to me. This person is 24 years old. >> Four. That's insane. >> Yes. And it looks like they have $35,000
of other >> uh but they might owe $11,000 on some into that really quickly. But right off the bat, I think $200,000 of net worth at age 24, it to me that feels like they're going to be a net worth
millionaire by the time they're 30, probably maybe 33 if you know it's slow >> You were talking about the wealth multiplier. A great thing you do if you just take that 148,000, you just multiply that times their wealth
multiplier, that would say what this person is on track for by 65 without saving another dime. And it's going to be in the millions of dollars. That's a huge testament to why it matters. If you can get an early jump start, holy cow,
future. >> I mean, haga haga. When I saw a 24y old doing this, I gave you the wrong link. You don't go to moneyguy.com/resources. Go to moneyguy.com. Work with us. We will hook you because this that is
wowzer. That is I mean look I self-confessionally I did not I mean I I found out I don't come from money but I I've kind of figured out how money worked or got curious about money at a young age but I I was I mean this is I
would probably have to be in my 30s before I could even sniff around what amazing. >> I'm pretty sure this person is living at >> but that doesn't minimize what they've done. I mean that's still pretty
buddies who decided to live at home too and they immediately went out and bought the fancy clothes and they were going to you know what I mean? if you are living at home. Let's check out what they asked and then we'll get
into their portfolio. Okay, so their questions are they currently have low >> They expect to have some higher costs in three to four years. They're considering reducing their 401k to just the employer match and redirecting the $20,000 that
probably is going to the 401k towards um saving and investing and $7,000 a year to Roth area. I'm not sure what this means. I think the house >> They would like to retire early or partially retire one day. What's the
best way to balance saving for a house and investing for my future? Now, do you you want to answer this first? Um, I I think this I think a lot of young people that have not yet gotten to the home ownership side of the equation. Hey, uh,
expensive. Interest rates have gone up. The cost of housing is more than it has running away from me. So, how do I prioritize saving for that goal today, but also wanting to save for the future? And it's a really hard thing because a
20-year-old knows that every $1 can turn into 88, but that's great, but I don't necessarily need $88 when I'm 65. I need a house in three to four years. So it I just want to I want to empathize this. A lot of young people are in this
lot of young people are in this situation. How do I balance how how do I how do I reconcile saving for my future self but also saving for myself today? >> Yeah. >> I think that this is somebody who's an
achiever and um they know that part of the American dream is to own a house. So they just put that as a goal. But we have no indication that they have a have no indication that they have a significant other or spouse. This is I I
Sometimes achiever personalities are trying to figure out what the next big thing they can check the box on and get to it as fast as possible. I would say slow down, take a deep breath. Um because I I just don't know. First of
other, don't go buy a house. A house is a 7 to 10 year decision. Meaning, you need to be able to live in this for 7 to 10 years. And can I tell you how many of mixed families that have come together and then the the the new spouse like
>> This isn't our house. This is your house. You bought this house before. So be careful buying a house before you you you've kind of locked in all the you know, what your job is and all the other things and who you're going to
live there with. So deep breath. you can slow it down a little bit and even when have to cut off your investments right now because I I confessionally and I know this for Bo too and for all of our financial adviserss, we went and asked
everybody, most people on their first home is a 3 to 5% down payment. It's not the 20% that you hear all the other talking heads talk about, it's 3 to 5%. So, even if you keep piling money up in the background and wait for the the
you're going to be okay and you're going to be able to buy a house. Don't let the >> Would that be an FHA loan or are there other types of loans that people can >> I mean, it's it's it can it can be >> FHA loans are the most common, but there
have lower down payments for. So, it doesn't have to just be an FHA loan. >> Okay. Well, let's look at their portfolio and you must roast them. That's part of the title of the video. Uh let's see what they got. So in their
brokerage 25K Roth IRA about 7 41k $116,000 and then the cash and the car. >> So looks like they owe 11K on their car. >> thoughts on the brokerage account first and foremost. Looks like they got a
Slightly diversified. >> You know, I like I like seeing VTI, that's total stock market index. I don't mind seeing VXUS. That's a international holding. Um, but then we have like this this US XF and this BBAI. Those are kind
of small holdings. My question there would be why why in in a in a $25,000 account. Why do we have a $46 position? Does that make sense? Or is that just just muddy for the sake of being muddy? Uh, but I don't necessarily Nvidia. I'd
actually put $50 in? >> Yeah. Did you did you did Yeah, they put 50 in BBI and Nvidia both. Uh, yeah. So, I'd ask I'd ask that question, you know, Because this one isn't bad. There's probably more holdings in there that I
think are necessary for such a small for an account this size. >> Um, but not horrible. I don't have a ton of heartburn on the brokers. No, I'm not four? >> No, I'm I'm impressed with like that
401k having 116,000 and then the lion share that just being in an S&P 500 fund. That's kudos on that. um living at home and and having cash at that level about your concern about making sure you
want to know a lot more about that car debt. Now, maybe if it's a 0% or something, but with how much how much they have in cash and then they're carrying debt, I just need to know a few
some guidance on that. >> Do you think that if they had some off their car debt? It's all about the variable. It's all about the variable. >> What if what if it was 7% 7% interest?
that checking that money that's in the high yield savings account. Pay it down. >> Well, the one thing I did like was that >> 24y old make that next month. >> 7% car loan is just not in my mind that would not be considered highinterest
debt. I consider that to be low interest debt for somebody at 20 because I know just how powerful their dollars can be. You know, if this car fits inside a 238, at least 20% down, which obviously they did, it's not financed for any more than
represent more than 8% of their income, >> I'm okay even if it's seven, because I >> Humphrey, you have broken up the Beatles. Because this when Paul and George just go at it is because I'm telling you I when we came up with 238
it was for the situation I remember living whereas I was broke as a joke and the only way I could start building wealth was to get to my J O. So I had to go I couldn't go buy a beater because that might jeopardize me getting to the
job. So I had to go finance a car. this person could could get to that J O without jeopardizing 238 is a bridge that is supposed to help you get to that
stacking. Yeah. >> And so I feel like that there's a little >> feel like if the if the peace of mind is >> we disagree you really want to go at >> I want to fight. No, but I I this person's obviously making great
some flexibility where they could likely go either way and be successful. What I love seeing right here is I don't see a crazy car. They obviously got a new one. something wild. And it does look that they are committed saver that's
future financial goals. >> I like the cash allocation. I'm glad cuz you know, when you have that much cash, it's easy to say, well, I want 10K actually being quite, you can tell they're being quite purposeful with like
moving their money around into either their brokerage or their or their Heisa, >> I like that. I think I I would say for the car, if it brings you peace of mind to pay off that debt, great. >> If you have a higher interest rate, like
seven or eight%, I personally would probably pay it off, I think Bo might be on the side of, you know, your dollars are worth more. But I love I love the that's just me. >> I would agree with you. My bent is
always to have a paid for car. I disagree with that. >> All right. All right. So, if you could rate all these portfolios on a scale of 1 to 10, where one is the worst and 10 is the best, let's go to number one.
>> One is the worst. >> One is the worst. Okay. What What would >> Oh, um >> let's find his uh There you go. he's got some good He's got >> We're just rating the portfolio.
>> Not the financial situation, just the portfolio, three and a half. >> Okay. And then portfolio number two, rate it one out of 10. I mean, I I'm going to give it a a six because even though those are managed funds that you
like I said, a lot of times they're closeted index funds. So, you're going >> I'm going to give it a seven. >> Okay. Six, seven. Six, seven. >> Six, seven. All right. We're hip. We're hip with the memes here on this channel,
of 30, too, so this is interesting. All right. Submission number three. Give me a scale of 1 to 10. >> I mean, I give this a seven to eight. one a eight. Yeah, this one's pretty this one's pretty good.
>> Submission three, you just won the contest of today. And uh with that, that interested in checking out a previous Roasting the Subscribers video, make sure to click right here or wherever it is on the screen. Again, thank you guy
to the Money Guys Show for having me on their channel and for being on my off here? >> I mean, I felt some pressure with the word roast. Did we go mean enough? Cuz we can come up off the top rope if we
one in the future if you'd like that. >> Thanks so much for having us. Thank you. >> All right, I will link their resources down below. Once again, thank you to them for being here and I will see you guys later. Peace.
guys later. Peace. [Music]