It's most likely going to lose your money.

You ever feel weird having that information out there?

I actually made a decision to stop publishing that stuff.

So you still think it makes more sense to rent than to buy?

Yeah, it's twice as expensive to buy than to rent.

What is the point of like making money?

Am I trying to hit a certain number?

Tried to make it as hard as they could, I feel, to know what return I was actually even getting.

Okay, guys, welcome back to step by step with me, Shelby Church.

I have Humphrey Yang here with me today.

And we're in a studio.

Guys, we're stepping it up.

We're getting more professional. And Humphrey, if you guys aren't familiar, is a personal finance YouTuber, former financial advisor. So I'm excited to chat about that. I feel like we should start with some context of like how you got started in YouTube and everything. And social media, because you're big on like TikTok and Instagram and everything. Yeah. You want to talk about

the studio first? I think it's pretty cool. Yeah. I didn't know this in LA. You can rent studios by the

hour like this one and this is actually really nice. Yeah. No, it's cool to like have it. No, I joined a

network and this is like a studio that have. Oh, that's awesome. Yeah. And in, we don't have anything like this. So like if I wanted a podcast, I'd have to build it myself. So you can't even rent one? I don't think so. I'd have to look into it. Okay. So where was your question? YouTube. Yeah, yeah. So how you got started in it. How long, I'm curious, were you one of those people who had a viral video or were you like a gradual growth channel?

Yeah, so on YouTube I started in 2019.

I made three videos in the summer of 2019 to try to help my friends with their personal finances.

But really I was just inspired by Graham, as we all are.

A pioneer, a real pioneer.

A pioneer.

A pioneer of finance.

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