THIS

@humphreytalks

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Why it worked

The video provides a clear, actionable, and prioritized list for investing, which is a topic of high interest. The use of a table on screen makes the information easy to digest, and the explanation of the 401k match as 'free money' is a strong hook.

Summary

The video outlines the exact order to invest money, starting with a 401k match, then paying off high-interest debt, maxing out a Roth IRA, contributing more to a 401k, and finally investing in a taxable brokerage account. It emphasizes the importance of the 401k match as free money and explains the benefits and trade-offs of each investment vehicle.

Structure

1Introduce the exact order of investing.
2Explain the importance of an emergency fund.
3Prioritize 401k match and high-interest debt.
4Discuss Roth IRA contributions and benefits.
5Cover maxing out 401k and taxable brokerage accounts.
6Summarize the waterfall approach and invite questions.

Product placement

The video discusses financial investment accounts such as 401k, Roth IRA, and taxable brokerage accounts. It does not promote a specific named product or service.

Call to action

Let me know if you have any questions in the comments.

On-screen text

Original caption

This is the exact order I’d invest my money. The goal here is to optimize your dollars for highest ROI - starting with a 401k match, paying off debt, the Roth IRA, and ending with either maxing out your Roth IRA or investing in a taxable brokerage account.  What are your thoughts? Let me know in the comments. #EduTok #LearnOnTikTok #TikTokLearningCampaign

More from @humphreytalks

Their other posts in the index, biggest breakout first.

THIS Exact Order To Invest Your Money Where Notes 1. 401K Match 100% ROI 2. Debt Pay off anything 10%+ 3. Roth IRA Contribute up to $7500/yr 4. 401K (again) Max it out ($24,500) 5. Brokerage Acct Taxed, but flexible $100,000 Salary @ 4% = $4,000 Match

Transcript

THIS This is the exact order in which to invest your money. This assumes you already have at least three months of expenses saved up in an emergency fund. The first place is if your job offers a 41k match, you want to contribute enough to get the full match. So let's say your salary is 100k per year and your company offers you a match of 100% of up to 4% of your salary. That phrase just means that of your 100k salary, 4% of it will be matched by your employer. So $4,000, if you put in $4,000, they will also put in $4,000. You always want to do this because it's like free money and it's a 100% return on your investment. Number two is to make sure you kill off any high interest rate debt. So any debt over a 10% interest rate. Third, this is where you max out the Roth IRA. You can contribute up to $7,500 into one this year and this retirement account, let's you grow your money tax free and once you contribute to make sure you don't forget to invest the money as well. Number four is to go back to the 41K and max it out to the contribution limit in 2026 is $24,500. And finally, number five is to invest in a tax ble brokerage account. This is the most flexible out of all accounts because you can pull out your money whenever, but it has no tax advantages, so that is the tradeoff. Some people treat number four and number five interchangeably, but ideally these steps are completed in order, kind of like a waterfall. So you would start with step one, then step two, all the way to step five. Let me know if you have any questions in the comments.