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Humphrey Yang

@Humphreytalks

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💭 Simplifying Personal Finance 📧 Newsletter: https://t.co/WSpdwbFduG

San Francisco, CA
Joined July 2008
Don't wanna be here? Send us removal request.
@Humphreytalks
Humphrey Yang
3 days
These are my angel numbers
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@Humphreytalks
Humphrey Yang
4 days
Instagram adding location sharing in app. Not sure how I feel about this. I won’t be sharing my location
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@Humphreytalks
Humphrey Yang
4 days
3 Signs Someone Is Secretly Wealthy:. 1. They drive a beater car.2. They downplay everything.3. They spend money on convenience, time, and luxury. Anything else?.
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@Humphreytalks
Humphrey Yang
5 days
5 Signs You Should Retire Earlier Than You Think:. • You have NO mortgage payment.• Built multiple, diversified income streams.• Retirement savings = 20x your annual expenses.• You're in good health + fulfilled in life.• Achieved your career goals. Do you agree? 👇.
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@Humphreytalks
Humphrey Yang
6 days
Posted the same thing on X and Threads. X: 1,300 Views.Threads: 297,000 Views. Interesting. 🤔.
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@Humphreytalks
Humphrey Yang
6 days
4 Signs That Show Me You're Doing Well Financially:. • You can cover a $1,000 emergency (59% of 🇺🇸 can't!).• Zero credit card debt.• You aren't buying designer goods / status symbols.• You save 15%+ of your Gross Income. Anything else?.
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@Humphreytalks
Humphrey Yang
8 days
Financial Advice for anyone in their 20s:. • Avoid car loans .• Start building credit .• Always utilize any employer 401K match.• Avoid high interest rate debt (10%+).• Be open to job hopping .• Spend less than you make.• Know your Net Worth . Anything else?.
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@Humphreytalks
Humphrey Yang
9 days
"I don’t know how to invest in Stocks" . That's fine. Start with these ETFS:.• VOO (S&P 500).• QQQ (Nasdaq, Aggressive Tech).• SCHD (Good for Dividends). Pick one of these and stay consistent, even if it's just a small amount - and you'll be ahead of 90% of people.
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@Humphreytalks
Humphrey Yang
10 days
Everything you want is on the other side of doing something you don't want to do.
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@Humphreytalks
Humphrey Yang
10 days
So existing customers are spending more, of course this can be driven by: upgrading plans, adding more employees to the product (user seats), or just buying multiple products. This NDRR may not always grow up and to the right but its still a good indicator that people like the.
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@Humphreytalks
Humphrey Yang
10 days
The most impressive part of Figma's S-1 imo is their Net Dollar Retention Rate - it was 134% as of December 2024. A NDRR of 100% means customers would be paying exactly the same as last year. Since it was 134% though, that means customers are paying 34% than they were last year.
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@Humphreytalks
Humphrey Yang
11 days
Instagram & Tik Tok views seem lower than normal within 6-12 hours of posting, but over time they accelerate. harder to tell if a video is good off the bat, but I like to check in 7 days later and see where they're at.
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@Humphreytalks
Humphrey Yang
12 days
After being in oppressive heat and humidity for 9 days in Hong Kong and Singapore, it's really nice to be in San Francisco in the summer where it never gets above 70F and the sun never comes out!.
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@Humphreytalks
Humphrey Yang
14 days
Just learned about the long exposure feature with Live photos on my iPhone. 1. Take your Live Photo.2. Hit the top left badge drop-down and select Long Exposure. Got this shot at the Singapore airport 💯
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@Humphreytalks
Humphrey Yang
15 days
Women tend to spend more frequently on smaller things: clothes, accessories, makeup. Men won't buy anything for months but when they do it's a $3000 watch.
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@Humphreytalks
Humphrey Yang
17 days
The single most important habit that grew my bank account and net worth wasn’t investing. it was tracking my expenses. The more aware of money in vs money out, the richer you get. I stand by that.
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@Humphreytalks
Humphrey Yang
18 days
Normalize horizontal photos again.
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@Humphreytalks
Humphrey Yang
18 days
For those that have an eight sleep: has it changed your life? Lmk.
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@Humphreytalks
Humphrey Yang
18 days
CNBC says a $150,000 per year salary is considered Middle Class in 23 states . $150K in Kansas? Live like a king. $150K in NYC or SF? Good luck.
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@Humphreytalks
Humphrey Yang
19 days
Starting next week I'll prob go back to the low effort style and report back my findings.
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