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Humphrey Yang

Finance, explained simply

Humphrey Yang

Small numbers compound into life-changing ones. Start now, stay boring.

7,300 people run this system with Flip

The system

5 habits. Copy once, Flip runs them for you.

The 50/30/20 baseline

Budget

Needs 50, wants 30, saving and investing 20: simple enough to actually follow.

  • Maps every month into needs, wants, and saving
  • Shows which bucket broke and by how much
  • Names the one category that caused it

Compound early, compound often

Live alert

A dollar invested at 25 is worth three invested at 40.

  • Confirms the monthly invest fired
  • Shows what this month is worth at 65
  • Tracks your streak

Emergency fund math, not vibes

Reminder

Three to six months of real expenses, calculated, not felt.

  • Computes the target from your actual baseline
  • Tracks progress monthly
  • Flags dips below target

Know your net worth

Reminder

One number, tracked monthly, beats a hundred hot takes.

  • Assembles net worth across every account
  • Texts the monthly change
  • Shows the 12-month trend

Cut the quiet drains

Scan lens

Unused subscriptions and fees are compound interest working against you.

  • Finds subscriptions unopened in 60+ days
  • Prices each at its 10-year compound cost
  • Sends a one-tap keep-or-kill list

What Humphrey's scan looks for

  • Your months mapped to 50/30/20
  • Whether investing happened every month
  • Net worth across every connected account
  • Quiet drains, priced at their 10-year compound cost

Running it in real life

12/12

months invested, age 23

The scan mapped his spending to 50/30/20 and priced his five dead subscriptions at $12,300 over 10 years. Flip confirms his invest fires monthly and texts his net worth change. 12 straight months invested.

— Kevin, 23 · First job, wants to start right

Copy the system, connect your accounts, and see what Humphrey would fix.

Copy Humphrey's system
Copy Humphrey's system