Investment Analyst Reacts to Investing TikToks - Holiday Special 

Idk why people mess around with stocks and jobs when you can just go to a bank and say "yo 10x my money" and they just do it no problem.

Hi Santa. The price of coal went from $75 per tonne in Jan. 2020 to $430 per tonne in Sept. 2022. Thanks for putting coal in my stocking

my investment portfolio based on tiktok tips is currently sitting at around $30k. I started with $120k.

Someone should tell the US government to sign up for a whole life policy so it can infinite bank its way to prosperity 🤯

12:53 That kid's voice hasn't even broke yet and he's handing out life advice. LOL

Holy shit, I can’t believe I haven’t thought of going to the bank and saying “10x my money”, then using that to buy real estate. Thanks grant cardone, you’ve changed my life 👍

Plain Bagel is one of the rare financial RU-vidrs worth watching. More please.

I hate the infinite banking nonsense. Imagine how stupid it would sound if someone said "I took out a $90k HELOC out against my $100k home. Now I have $190k net worth, because it's still my home, I just borrowed against it." Like, no, you don't, my dude. You have a callable debt that can leave you homeless.

If you don't EVER go too school and go to work at the sweatshop as a toddler, you'll be about FIFTEEN years ahead of people who DID go to school! /s

"I don't feel like yelling at a kid..... dressed up like Santa Claus." 😆

the middle school kid telling people not to go to college is wild💀

When I was 18, I learned how to sell cars by watching a Grant Cardone sales course at the dealership I worked at. I learned quickly that his techniques were trash (no basis in reality) It's incredible to see how his swindle has progressed over time with more 0's on the end. Pretty crazy how effective bullshit can be when you say it with such conviction and confidence. Now that I'm older, I can see right through it, but as a kid he definitely had me drinking the cool-aid. Keep up the great work and spreading REAL knowledge!

richards entrance had all the excitement as an alcoholic mall santa XD he really went for it though, so i applaud him

props to the kid at 12:53 for at least not using the word "bro"

I love how Richard generally gives off this vibe that he's all business, not too charismatic, and yet he's straight up hilarious

I'm so glad a 12 year-old TikToker told me, a 31 year-old, that college is useless. Not sure what I would have done otherwise!

I love the 10 year old saying you're behind😂😂.

The best example of someone who found a get rich quick method and didn't tell anyone is Jim Simons who started the Renaissance Technologies hedge fund which is the best performing hedge fund of all time. Most of the employees don't leave since it's so profitable and no one knows how they make money since they're very secretive. Simons is worth over 20 billion dollars and I don't think he's trying to peddle any courses on TikTok.

Do a part 2. This was weirdly entertaining. Also wear the costume again please hahaha

13:10 Ah yes because you can obviously just start working as an engineer right out of high school.

Richard boutta get another aneurysm from investing TikToks again

I love plain bagel because he gives you unexaggerated information about finance, and will also sit down as Santa and dunk on some tiktok

12:55 He's smart, he's saying that so he won't have competition when he graduates from college.

You know, it makes sense for Santa to be a financial expert, since he can afford to give a present to each kid every year.

I’m so glad you’re here boss man. Without you I may be liable to believe banks will 10x my money no problem.

Hope you, the missus and the wee mini-bagels have a great holiday!

Just a quick thank you for doing the real returns after inflation correctly. I've seen so often that people just subtract 2.5% inflation from 10% nominal gains to arrive at 7.5% gains and it drives me up the wall.

The visible discomfort from the suit/beard 😂 it was worth it, got a solid laugh from that one

I LOVE that you played the kid's video but "I have no comment" dressed up as Santa while slowly caressing the costume. I love you plain bagel omfg

This, weirdly, was the pick-me-up I needed today. Thank you Plain Ba… I mean… Santa… Merry Christmas!

I love these videos so much, finally a new episode.

I let an insurance salesman talk us into a whole/term policy. Had it for about 20 years. The term served its purpose and we got rid of it when we no longer needed to hedge against possible death (financially speaking). But in the end the whole policy was essentially just a forced-savings plan at the rate of inflation. We just roughly got our money back from the whole premiums. We could have invested those premiums in the market and made a *LOT* more money. Whole might be good if you really just want to move cash from one place to another and not have a huge tax bill for your heirs. That assumes you have cash in excess of what you spend and save and invest (most people don't). For the typical saver, my advice is just get term when you're young and drop it when you no longer need it. Skip the whole insurance and invest elsewhere.

Hey man, i haven`t watched for about half a year now and the editing and entertainment of the videos is so much better now. good stuff.

Thanks Richard, your dry humour is much appreciated😂😂😂 Wishing you and your family a merry Christmas🎉🎉

Merry Christmas... Santa! Love the content ever since I found you a couple years ago. You and Pat Boyle are the only two no bs Fin channels I regularly follow.

Best series one could create. Thank you.

I love your content, and even the humour that you put into this kind of reaction viedos. Thank you and merry Christmas!

That 15:00 minute gem of truth about compound interest vs real returns due to inflation /taxes, hurt my soul but is very true and VERY VERY few people talk about it in this space. Just compound interest bro, you will get rich.

I love the react videos. It’s a good reality check for all the people who may fall for these TikTok schemes because they don’t know better.

Thank you very much for all your great work, and Merry Christmas. 👍🎄🎁

What a nice Christmas gift - thanks Richard :)

Here so early that NFTs are still a thing

Love that finance calculator, it's the greatest tool in showcasing compounded growth

In wealth management we always tell people not to buy whole life or annuities until they max out their 401k and ROTH back door. Seeing these financial TikTok’s now a days telling everyday people who can barely save a penny to buy annuities and life insurance tell them that 401k is a scam is one of the biggest misinformation I’ve ever seen.

Thanks for the content this year. I think me and a bunch of other people sometimes are listening to these videos on autoplay while driving or doing something else - it could be helpful when videos covering current events start with the date or at least month and year. It would help put the content in the right context expeciallg as your library continues to grow. I hope this comment is taken in the manner with which it was shared, thanks!

This channel has one of the highest (useful stuff/second) ratios on youtube. * Thank You *

Great episode! Hilarious! "We are so back" - I'm dead lmao. Great work, Plain Bagel!

We are so unbelievably back!!! I live for the content

awesome work Richard, as always!

That intro was amazing. You were the moment.

Finally! Richard giving us REAL financial advice by way of TikTok influencers!

Warren Buffet: age: very old; stock knowledge: 10/10. Charlie Munger(rip): age; also old; stock knowledge 10/10 Santa Claus: age: infinite? this would mean infite upside when taking financial advice from Santa

Really like these videos because you talk about various things which usually gets missing formed quickly, and if I want to dive deeper into some of them, I know I can research a bit more or even watch your videos for it

This is all I wanted for Christmas. I'm cancelling all my Christmas plans since my Christmas has already been made.

Merry Christmas, Rich! 🎄

My favourite series in the finance space

Thanks for the laughs, keep up coming.

I literally started watching this from the gorgeous thumbnail. Santa did not disappoint.

Grateful for the holiday special

Yes TikTok reactions are back!!!!!

Holy shit, that "we are so back" hit hard 10/10

I love these reaction videos, please do more!

Quality content! Keep it coming!

I LOVE THESE!!

Just an absolutely great video.

Plain bagel is the man. Merry Christmas

Merry Christmas Santa!

Happy holidays, Finance Santa!

Sir, I love your realistic content and level head. We'll see you at 1 million subscribers

4:50 some real wolf of wallstreet Aerotyne Industries vibes right here

i love this series

Took me all of 10 seconds to like this video. Love this series. Can't wait for Richard dressing as the Easter bunny for the "Investing Analyst reacts to Investing Tiktoks - Easter Special" lmao

It's mainly people who have the talent of speaking confidently, but use it in things like these

My favorite videos

I love this stuff too much

Love it. favourite informative channel

I always enjoy your videos Santa!

The Inception WAAAAAH at the start is hilarious :D

Gold as per usual. Happy New Year!

you are one responsible person.

Thoroughly enjoyed this video as "Sandy Claws", everything from the embarrassed entrance to the tik tok examples. My favourite one is the "bros" high-fiving each other because they're saying "bigger" numbers. It really is like that and people believe that crap. I guess we all have our Achilles heel. I'm glad you explained about the insurance contracts.

Mr. Coffin with another certified banger, as an insurance agent I love the part about life insurance. Too many sheisty life guys out there nowadays.

I'm surprised someone hasn't set up a lawsuit for these scams.

Dude this is gold

Hi Santa, your content has improved so much since I was a child

Love the Santa outfit !!!! Perfect idea !!??

This just 10X'd my enjoyment

This video was great!

Your humor in this video made me laugh a little too much 🤣🤶🏼

What I like best about your videos is that you can be fun and entertaining, yet you still have serious investment advice that is spot on!!! 🎉😂 Merry Christmas to you and the Bagel family! You are definitely on the "nice" list! 😊 By the way, you do make a better Santa sans beard and mustache!

Thumbnail did not disappoint

I love the thumbnails 😂

With the college thing… I don’t know how it is in the US and Canada but in a lot of German speaking countries there’s something we call HTL (höhere technische Lehranstalt, basically a vocational school) that people can attend for specialized education in a specific career. It’s an alternate education path that starts from 9th grade. I know a few people that have taken that path and while they aren’t as academic or as broad in their knowledge, they tend to be insanely knowledgeable in their specific field. They also enter the workforce much earlier and earn pretty well. Really wouldn’t recommend it for everyone though, because 15-16 is really young to decide on a career.

I’ve always wanted to be one of the early comments!!! Love you videos

This is amazing

Like button clicked before even watching it

Love the video’s. Santa really made me laugh! :)

The music choices of these tiktokers gets me every time

Love your dedication. No way would I have worn a santa costume.

So great as usual😅