$SOFI I like Sofi but the market is cautious as of Aug 2026. With flat EBITDA guidance and a heavy reliance on unsecured personal lending, investors are pricing it closer to a traditional bank than a tech disruptor. Value trap or massive buying opportunity? I think it all comes down to how fast they can scale their non-lending tech platform..
If you could only buy one Mag 7 stock today which would you choose? $NVDA at $225 $MSFT at $495 $GOOGL at $345 $AMZN at $263 $META at $590 $AAPL at $305 $TSLA at $341 And why? At today’s prices I’m taking Meta 🤷♂️ read more
📊 Long-Term Investing: The Power of Thorough Analysis When it comes to long-term investing, understanding the fundamentals of a stock is crucial. It’s not just about jumping on trends; it’s about making informed decisions based on solid data. This chart breaks down the essential financial statements—Balance Sheet, Income Statement, and Cash Flow Statement—that every investor should analyze before committing to a stock. 🔍 Balance Sheet: This tells you about the company’s financial health, specifically its assets, liabilities, and equity. A healthy balance sheet is a sign of stability and resilience. 💸 Income Statement: This shows the company’s profitability by detailing revenue, expenses, and profits. A strong income statement indicates a company that’s generating profits, a key factor for long-term growth. 💰 Cash Flow Statement: This reveals how the company manages its cash, from operations to investments and financing. Positive cash flow is essential for sustaining operations and fueling future growth. By mastering these fundamentals, you can make smarter investment choices that stand the test of time. Remember, successful long-term investing isn’t about timing the market; it’s about time in the market, supported by thorough analysis. $VGT$TXN$QQQ$AAPL$META #InvestSmart #LongTermInvesting #FinancialLiteracy #StockMarketAnalysisread more
As I have posted before, I’m on my journey of rebalancing my portfolio, and one of my goals is to get rid of my $QQC and to put a portion of it towards more $VFV since I wanted to get rid of such a large overlap with my ETFs. And first step accomplished! 🎉🎊🥳 yayy
If I had $100,000 to invest in the stock market TODAY, this is exactly how I’d allocate it. No ETFs. No cash sitting on the sidelines. No over-diversifying just for the sake of it. I’d put every dollar into the businesses I believe offer the best combination of growth, quality, valuation and long-term upside. Here’s the portfolio: SoFi | $SOFI — $20,000 Amazon | $AMZN — $16,000 Uber | $UBER — $14,000 ServiceNow | $NOW — $12,000 Netflix | $NFLX — $10,000 Zeta Global | $ZETA — $9,000 Brookfield | $BN — $8,000 Oscar Health | $OSCR — $6,000 Snap | $SNAP — $5,000read more
It's that time of the week again! Time to celebrate our wins, no matter how big or small and no matter how good or bad the market has treated us! I'll show you mine, if you show me yours! 😜😅 I've been on holidays, but I managed to squeeze this in before heading on the long, two day drive home through forest fire 🌲 🔥 💨 delays and detours. Wish me luck! Top Stocks of the Week 📈 1. $CGNT ⬆️ 32.22% 2. $ITH ⬆️17.92% 3. $OSCR ⬆️ 15.19% Top Options of the Week 📊 1. $PBR ⬆️ 1031.58% (Call LEAP - Unrealized) 2. $NVDA ⬆️ 66.67% (Long Put - Realized) 3. $AMD ⬆️ 66.67% (Long Put - Realized) read more
People are abusing Buy Now, Pay Later platforms and, in some cases, are using them to fund their entire lives, deferring payments on things like groceries and car insurance. It's insane! In the new video I just posted over on the reaction channel, we’ll be taking a look at some extreme cases of how people are ending up in terrible financial situations because of BNPL. Watch it here: https://www.youtube.com/watch?v=PvThi7McK00
This is why I love dividend investing! ❤️ Made almost $150 in cold hard cash today without having to lift a finger. 💰 How much did you get paid this week? Let me know in the comments! 👇
The more I look at $UBER around $76, the harder it is for me to understand the valuation. Uber is worth roughly $156 BILLION. Trailing 12-month free cash flow just surpassed $10 BILLION for the first time ever. That puts the stock at less than 16x trailing free cash flow. Meanwhile, Q2 gross bookings grew 24% and adjusted EBITDA grew 33%. For a business still growing like this, $UBER continues to look like one of the best risk/reward setups in my portfolio. read more
The advice I keep seeing on Blossom for young investors is that when you're young you can afford to take more risk, and in general I agree with that. Where it goes sideways is in how people put it into practice. Increasing risk usually turns into increasing concentration, and lately that means a few AI names or bitcoin/crypto. What concentration does is widen the range of what could happen to you, without paying you anything extra for it. You might hit it big and you might lose 80 or 90 percent of it, and both of those are very real possibilities. You could take your whole paycheque to a roulette table and put it on red. You have definitely increased your risk. But run that a million times and your expected return is negative, because the wheel has a green zero on it. Run a diversified basket of stocks a million times and your expected return is positive. Both are risky. Only one of them has something paying you to take the risk. Hendrik Bessembinder looked at 25,967 US stocks from 1926 to 2016 and found that only 42.6% of them beat one-month treasury bills over their lifetime, with just 4.3% of stocks accounting for all the net wealth created above T-bills. The median stock lost money. So when you concentrate, you're betting you're holding some of that 4.3%. The usual argument is that a 20 year old can afford to lose it, because there's plenty of time to recover. Personally I'd argue the opposite. If you're 20 and you lose $10,000, at 8% over 40 years that's about $217,000 you don't have at 60. That's the price tag on the bet, not ten grand. And most people are placing this bet inside a TFSA, which makes it worse. If you put $10,000 in and it falls to $1,000, you only get $1,000 of room back when you withdraw it. The other $9,000 of contribution room is gone for good. You can't claim the loss against anything either, since capital losses inside a TFSA can't be used to offset capital gains. I understand the appeal of treating it as bonus money and hoping you picked right. But if you buy something diversified and keep contributing, you put yourself in a good position without ever needing the home run.read more
Intel $INTC CEO buys $10,000,000 worth of Intel shares at around $95/share a few days ago… Insiders can sell for MANY reasons but they only buy for one. They think the stock price will rise.
One of the best parts about the Blossom community is how open everyone is sharing knowledge and experiences. To make things easier for anyone just starting their investing journey, here’s a simple glossary to help understand and simplify various terms. Common Terms: Dividend: A share of a company’s profits paid to shareholders, usually quarterly. Ex-Dividend Date: The cutoff date by which you must own a stock to receive its next dividend. ETF (Exchange-Traded Fund): A fund that holds multiple stocks or bonds, traded like a single stock. Covered Call ETF: An ETF that owns stocks and sells call options to generate extra income (higher yield, limited / capped upside). Earnings Report: A company’s quarterly financial performance summary. EPS (Earnings Per Share): A company’s profit divided by its number of shares. Market Cap: A company’s total value (share price × number of shares). ACB: The total amount you’ve paid for an investment, including the purchase price plus any fees or commissions. Book Value: The value of a company according to its financial statements (assets minus liabilities). Yield: Annual dividend as a percentage of the stock/ETF price. Liquidity: How easily an asset can be bought or sold without impacting its price. Volatility: The degree of price fluctuations in a stock or market. Index: A benchmark of stocks (e.g., S&P 500, Nasdaq, TSX). Bull Market: A period of rising stock prices and optimism. Bear Market: A period of declining stock prices and pessimism. False Breakout: When a stock’s price moves above (or below) a key level, making it look like a new trend is starting, but then quickly reverses back. P/E Ratio: Price-to-earnings ratio (stock price ÷ EPS), used to assess valuation. Blue Chip: Well-established, financially strong companies with a track record of stability. Diversification: Spreading investments across assets to reduce risk. Broker: A platform or firm that facilitates buying and selling investments. Limit Order: An order to buy/sell a stock at a specific price or better. Market Order: An order to buy/sell a stock immediately at the current market price. Bid/Ask Spread: The difference between the highest price buyers offer and the lowest price sellers accept. Dollar-Cost Averaging (DCA): Investing a fixed amount regularly to reduce the impact of market swings. Capital Gain/Loss: Profit or loss from selling an investment for more/less than its purchase price. IPO: When a company first sells shares to the public. Index Fund: A fund designed to mirror the performance of a market index. Short Selling: Selling borrowed shares, hoping to buy them back cheaper. Margin: Borrowing money from a broker to buy investments, which amplifies gains and losses. Margin Requirement: The minimum amount of your own money (equity) you must maintain in a margin account to open or keep a leveraged investment position. Margin Call: A demand from your broker to deposit more funds or sell assets because your account equity has fallen below the required margin level. Time Horizon: The length of time you plan to hold an investment before needing the money. Short horizons = more risk-sensitive, long horizons = more room to ride out volatility. Stock Split / Reverse Split: A split increases the number of shares (e.g., 2-for-1) while lowering the price per share. A reverse split reduces the number of shares (e.g., 1-for-10) while raising the price per share. Your overall value doesn’t change just the math. Long (Being Long): Buying a stock or asset because you expect the price to go up. Short (Being Short): Selling a stock you don’t own because you expect the price to go down, so you can buy it back cheaper later. TER: The total yearly cost of owning a fund, including the management fee plus other costs like administration, audits, and legal fees. MER: The annual cost that a fund charges for management (includes any leverage costs if used). Management Fee: A portion of the MER that goes directly to the fund managers for running the fund. Withholding Tax: A tax deducted on dividends/distributions from foreign investments (e.g., U.S. dividends to Canadian investors face a 15% withholding in TFSA/Non-Registered accounts). Total Returns: The full picture of an investment’s performance, including both price gains and dividends/distributions. CAGR: The average yearly growth of an investment over time. NAV: The price of one share of a fund (stock or etf) NAV Depreciation: When the fund’s share price goes down over time. Mutual Fund: A pool of money from many investors used to buy a mix of stocks, bonds, or other assets. Bond: A loan you give to a company or government, and they pay you back with interest. Asset: Anything valuable you own that can generate money. Portfolio: Your collection of investments. Option: A contract that gives you the right (but not the obligation) to buy or sell a stock at a set price. Future: A contract to buy or sell something at a set price on a future date. REIT: A company that owns real estate and pays investors income from rent. Alpha: A measure of how much better (or worse) an investment did compared to the market. Beta: A measure of how much an investment moves compared to the market. Sharpe Ratio: A way to see if returns are worth the risk taken. Hedging: Protecting your investments from risk. Rebalancing: Adjusting your portfolio back to your target mix of assets. FCF: Free Cash Flow Understanding these terms makes investing far less intimidating. If anyone feels other terms should be included, please share in the comments. I’ll update this post so we can build a complete beginner-friendly resource together! *Sorry tagged a few etfs for reach 🫣read more
I know this concept gets brought up as a joke sometimes, but I just had a serious conversation with a beginner about it, so I’m inspired to offer some clarity. When people say covered calls have “capped upside,” I think two different ideas sometimes get mixed together. First, capped upside does not mean your entire portfolio return is capped. It refers to the upside of the underlying above the strike price during the life of the option. If you own something at $100, sell a call with a $110 strike and collect a premium, you can still benefit from the underlying rising from $100 to $110. Your return can be a combination of: Capital appreciation + option premium If the market moves sideways, the premium can help. If it falls modestly, the premium can soften the loss. If it rises but stays below the strike, you can participate in that rise while also keeping the premium. It’s only once the underlying rises substantially beyond the strike that you start seeing the opportunity cost of the covered call relative to simply holding the underlying. I think this matters because otherwise “capped upside” can accidentally turn into a strawman where people hear it as: “Covered call investors can’t benefit when stocks go up.” That isn’t true. The second point is why many people still favour simply owning the underlying for long-term investing. If you own an asset because you believe it has substantial long-term appreciation potential, repeatedly selling calls against it means repeatedly creating periods where some of that upside can be surrendered in exchange for premium. Sometimes that trade works very well. Sometimes the premium more than compensates you for the upside you gave away. But over a long investing horizon, an asset that experiences large upward moves gives you more opportunities to run into that cap. That is the actual trade-off. “Capped upside” doesn’t mean no upside. It means you are getting paid a premium in exchange for agreeing to give up some upside beyond a defined point.read more
I’ve been using my income funds to help pay for my vacation to Poland 🇵🇱 I have what I call the Four Horsemen and they are $OVL$TDAQ$GPIQ and $QQQI / $XQQI and a few satellite positions! Not Financial Advice!
Bought over $10k USD worth of Nebius when it crashed. Up over 3k in just two weeks. Might’ve cashed a little early but I still have a bit of skin in the game from when I bought at $98 so I’ll just let that ride
Markets have lived through wars, recessions, political shocks, financial crises, pandemics and countless moments that felt like “the end.” Yet the long-term trend tells a very different story. 📈 $10,000 invested in the S&P 500 in 1970 grew to roughly $3.9 million over the period shown. The average annual total return: 11.13%. The lesson isn’t that markets move straight up. They don’t. It’s that some of the best long-term returns have come from staying invested through periods of extreme uncertainty. Time in the market has historically mattered far more than predicting the next crisis.read more
If a stock (or a whole sector, like memory) that has been surging dips, and there is no change in the overall fundamentals/thesis, that's the time to buy. Everyone was saying "memory is dead" just because of a sell off that was largely caused by margin calls and leveraged trades in Korea. I'm really glad I didn't listen to them and bought the dip. Block out the noise and do your research, people. $DRAM$SKHY$STX$MU$SNDK
Got inspired by @matt.41 and @edsam to upgrade one of my calculators. You can now choose Monte Carlo (Statistical) as the simulation method and set the strategy’s: - Expected return - Volatility - Yield - which we keep constant, since I think that’s what many people try to target and maintain This lets you see how much is being spent and reinvested. And if you want to see the implications of applying the "4% rule", you'd just set the expenses to 4% of your initial portfolio. https://karyungtom.com/monte-carlo-retirement-calculator/read more
I am selling all my $VEQT and switching to Wealthsimple direct indexing because it allows you to exclude certain stocks from your Index. Blackrock and Vanguard have separated us from thinking about how our investments can sometimes negatively impact the world without us knowing, because it’s all tucked away out of our sight. I strongly believe that if everyone stopped simply buying the index without considering business ethics we would have a much better world. I know everyone just wants to make money,the good news is that if we all started doing this then the more ethical companies values would go up gaining more of the pie as these unethical companies fall out of the index. I switched to direct indexing for all my Canadian and US index funds , essentially building my own ETF that is similar to VEQT, but I have carefully went through and exluded all Gambling Companies, any Oil & energy companies that don’t invest in renewables ($XOM Exxon Mobil, $CVX Chevron etc.) , as well as anything else that is obviously contributing to the degradation of our society and making us sick here in North America with processed garbage. ($MCD, $COLA, $PEP etc…) If there are any other companies you find that are hurting our people, please let me know in the comments and why they don’t deserve our investment. I know $PLTR seems like a troublesome one I may have to exclude. Together we can make the world a little bit better. read more
TAKE THE MONEY AND RUN 💸 The margins are just too good to pass up! 🤑🤑🤑 Especially when you consider the loyalty of the new wave of investors who dismiss the negative impacts of high fees, who ignore the structural drags on performance, who believe high distributions are more than a feature (they are not) and who ultimately are content paying more fees for lower return. Imaging being able to build an inferior product, sell $32 billion to consumers and be able to cash out $2.3 billion. 👀 Capitalism is alive and well!! I’m thinking of bringing back floppy discs and rotary phones. 🙌 As I’ve said in previous posts/comments - the CEOs of high fee ETFs thank the finfluencers for their marketing efforts and YOU for your loyalty! 🙏 (PS. I’d expect to see more transactions like this to follow as more of these CEOs cash out before the next downturn and before investors wise up. It seems there’s no rush on the last point.) 🤷♂️ $SPYI$QQQI$BTCI$IAUIread more
Hey everyone that follows me or interacts with me here in Blossom. Today I decided to make a branding name change on both my YOUTUBE and BLOSSOM identity. And I wanted you all to be aware in case some of you think after I change it - that someone is trying to copycat my account. THEY ARE NOT - THIS TIME. It's LEGIT! So... over the past year, my youtube has grown substantially and the ecosystem of everything i create in my YouTube channel and even my persona here in Blossom has become bigger than just ME - PERRY. my "PIIVERSE" brand has become the identity of my entire INCOME INVESTING STRATEGY videos, posts, and talks. As such, I have already made the change in my YouTube (from the old PERRYPII) and now here in Blossom (from the old PERRYF) an aligned handle of PIIVERSE. My YouTube channel now looks like https://www.youtube.com/@PIIverse and my Blossom handle is now @piiverse Transition is never easy but making this name change to PIIVERSE and aligning it across channels is strategically important. SO..... WELCOME TO THE PIIVERSE :)
I see many beginners posting that they’re new to investing and don’t know where to start. 🤔 As someone who was in a similar situation just a few months ago and learned, here are the 4 ETF types (& ETFs) that are popular among long term investors 😃 : 1) S&P 500: US: $VOO / $SPY / $SPLG Canadian: $VFV / $ZSP / $TPU 2) GROWTH / TECH: US: $QQQ / $VUG / $VGT / $SCHG Canadian: $QQC / $HXQ / $TEC / $ZUQ 3) DIVIDENDS: US: $SCHD / $VYM / $DGRO Canadian: $VDY / $XEI 4) ALL IN ONE / BASKET / Global Exposure: US: $VT / $AVGE Canadian: $ZEQT / $XEQT / $TGRO / $VEQT / $ZGQ I noticed many people following this type of a basic / uncomplicated portfolio and are doing really well for themselves 🔥 For % allocation, you can divide evenly among the ETF categories or allocate a higher % based on your preferences. Just DCA regularly and you should be good. 😎 Some people even just put it all into an all in one etf like $XEQT. This is also a good approach - it is much simpler and it works. Ultimately, it comes to whatever you prefer 🙂 Oh and yea, there are overlaps, but I don’t think there is anything wrong in that though - it would just count as doubling down on good things. 💯 I’m sharing with you all what helped me, but don’t forget to do your own research too! 🙏🏼 read more
The “Power of 3” Personal Finance Strategy Part II My personal finance thesis: Real financial security should be measured by sustainable cash flow coverage of core living expenses — not by asset values alone. After 30 years of studying personal finance, managing and operating large businesses, I’ve come to believe many people are using the wrong scorecards. A portfolio can rise. A house can rise. Net worth can rise. Income can rise. And yet real financial security can still be getting weaker. Why? Because we do not live inside our brokerage statements. We live in the real world of: - housing costs - food costs - healthcare costs - utilities - insurance - taxes - transportation - and changing purchasing power Wealth matters. Assets matter. Net worth matters. But if those measures are not connected to actual living and living expense coverage, they can create a FALSE sense of security. A person can have a larger portfolio, a higher home value, and a bigger nominal net worth — while at the same time having less real purchasing power and less durable financial security. That is why I use this measure: Financial Security Coverage The question is simple: How many times does your sustainable cash flow cover your absolute core living expenses? In my view, that is one of the clearest and most important measures of real financial security. --- Why traditional wealth measures can mislead In recent years many people have seen: - stock portfolios rise - home values rise - retirement balances rise - nominal net worth rise Someone may say: - “I hit $1M in my portfolio.” - “My assets doubled in five years.” - “My net worth is up massively.” That may all be true in nominal dollars. But the more important question is: Has your real financial security improved at the same rate? Often, the answer is not nearly as much as they think. Because while asset prices rose: - inflation eroded purchasing power - living costs rose - insurance rose - healthcare rose - taxes rose - replacement costs rose So yes, statement values may be higher. But if the cost of sustaining your life rose sharply too, then the practical meaning of that wealth may be far smaller than the headline number suggests. This is the illusion of nominal wealth without purchasing power awareness. Asset growth matters. But wealth should not be measured only by what it is worth on paper. It should also be measured by the cash flow support and life coverage it can provide in the real world. --- My framework: Financial Security Coverage Financial Security Coverage = Sustainable Cash Flow / Absolute Core Living Expenses My target is 3.0x. If my absolute core living expenses are: - $7,000 per month - $84,000 per year Then my target is: $84,000 x 3 = $252,000 So I target $252,000 in sustainable, after-tax cash flow capability. Not gross income. Not paper gains. Not one-time wins. Not inflated asset values. Not temporary market strength. Sustainable. Durable. Net cash flow. Why 3.0x? Because in my view that is where you have: - essential life coverage - contingency - flexibility - meaningful margin of safety - cash flow left over to save, invest, and compound wealth - near-complete financial durability under stress testing At 1.0x, you are covering life. At 2.0x, you have meaningful breathing room. At 3.0x, you have what I consider durable financial security. Sharp readers will realize that reducing the denominator — expenses — is one of the fastest ways to improve security. --- Reality check In my view, many people are operating between 0.85x and 1.15x core living expense coverage. That means they are: - below full coverage - right at the line - or only slightly above it This is why so many people feel pressure even when income looks decent or assets have risen. A small disruption can destabilize everything: - medical costs - car repairs - rent increases - insurance increases - income loss - tax changes - business slowdowns Any honest personal finance framework has to begin with empathy. Most people are not failing because they are reckless. Many are struggling because they are living with very little margin. That is a STRUCTURAL issue. --- Definitions matter ABSOLUTE CORE LIVING EXPENSES: The essential costs required to maintain life at a durable baseline: - housing - utilities - food - healthcare - insurance - transportation - minimum debt service - essential household expenses - baseline taxes This is not luxury. This is not status spending. This is the number required to keep life functioning. SUSTAINABLE CASH FLOW: This should be after tax, durable, and repeatable. Examples: - reliable salary - durable business income - pension income - recurring rental cash flow - recurring distributions - conservative portfolio income assumptions It should exclude or heavily discount: - one-time gains - temporary spikes - windfalls - irregular bonus dependence - speculative cash flow - unrealized paper gains A lot of people look secure on paper. Far fewer are truly secure in cash flow. --- The second layer: Direct and Indirect Cash Flow I now think the most accurate version of Financial Security Coverage should include both: 1. Direct Cash Flow The sustainable, after-tax cash flow you receive now: - salary - business income - rental cash flow - pension income - recurring distributions This answers: How well is my life covered by the cash flow I currently produce? 2. Indirect Cash Flow The sustainable cash flow your assets could support: - stocks - bonds - retirement accounts - taxable portfolios - other investable assets A simple proxy is a conservative withdrawal rate such as 4%. If someone has $2,000,000 in investable assets: $2,000,000 x 0.04 = $80,000 If core living expenses are $84,000, then: $80,000 / $84,000 = 0.95x This answers: How well could my life be covered by the cash flow capacity of my assets? --- Why this is a better measure of wealth Most people measure wealth by: - portfolio value - home value - net worth - income Useful, yes. Complete, no. A better question is: What level of sustainable life support do my income and assets actually provide? That is why I believe Financial Security Coverage is a more accurate and more important measure of wealth and security than asset values alone. It translates both: - income - assets into the one metric that matters most: Coverage of Real Life And unlike nominal balances, it forces us to think about: - inflation - purchasing power - changing living costs - market volatility - income durability - resilience under stress --- Why tracking it Year over Year matters This framework becomes more powerful when tracked annually. Year-over-Year changes in: - direct cash flow coverage - indirect cash flow coverage - total living expense coverage reveal what is really happening and a far more accurate measure of Wealth and Financial Security If the ratios improve, it may mean: - income is strengthening - assets are becoming more supportive - purchasing power is holding up - expenses are becoming easier to carry If they deteriorate, it may mean: - inflation is outrunning cash flow - expenses are rising too fast - income is less durable than expected - assets are worth more nominally but support less real life - financial security is weakening despite appearances This is the difference between paper progress and real progress. --- How I interpret the ranges Below 1.0x — financially exposed Cash flow does not fully cover core living expenses. 1.0x to 2.0x — functioning but VULNERABLE Essentials are covered, but margin is limited. 2.0x to 3.0x — real RESILIENCE Core life is well covered, contingency improves, and optionality begins. Above 3.0x — robust SECURITY and compounding power This is my target zone: real coverage, real flexibility, real resilience. Moving from 0.95x to 1.15x matters. Moving from 1.15x to 1.50x matters. That is real improvement. --- My conclusion After 30 years of personal finance study, I believe this: Wealth should not be measured only by asset values. Security should be measured by sustainable cash flow coverage of core living expenses. And the most complete version of that measure includes both: - Direct Cash Flow — what your life produces today - Indirect Cash Flow — what your assets can support tomorrow Track both. Measure both. Watch them year over year. Because the real question is not: What are my assets worth on paper? The real question is: How well can my finances sustain my life, now and in the future, in a world of changing costs and changing purchasing power? That is why I use Financial Security Coverage. And my target is 3.0x. That is my thesis. My definition of Financial Security: https://link.blossomsocial.com/7uYa/ir4906pb Expanded post on cash flow: https://link.blossomsocial.com/7uYa/i0eun8py Expanded post on tracking living expenses: https://link.blossomsocial.com/7uYa/qkgdki8p Financial Control Part I — Emergency Cash: https://link.blossomsocial.com/7uYa/k3e80c3w read more
