Blossom — Social Investing Community: Real Portfolios, Trades & Market Insights
📉 Analyst Says Market Will Crash 30% in 2027
🐝 In today's Weekly Buzz I dove into the arguments published in Fortune and Yahoo Finance by Capital Economics analyst James Reilly who calls the AI trade a “late-stage bubble” and is projecting a 30% drop in the S&P 500 from its highs by 2027.
💡 His arguments include:
- 📈 S&P 500 earnings growth concentrated almost entirely in tech and chips, now matching dot-com era peaks
- 💸 Combined free cash flow of the four largest AI hyperscalers projected to turn negative in 2027 due to AI CapEx
- 🏦 Big Tech bond issuance more than doubling year-over-year to fund the cash flow gap
- 🚀 A fresh wave of AI IPOs, which Reilly calls the clearest late-bubble signal (most notably Anthropic’s IPO, which he called an ‘IPO of doom’ and compared to Pets.com, whose IPO was seen as the beginning of the end for the dot-com bubble)
💥 Obviously calls for a crash are nothing new, but I thought the argument was worth covering, so wanted to open up a discussion thread to hear everyone's thoughts on Blossom!
💬 One quote I liked in this context from Peter Lynch: ""Far more money has been lost by investors preparing for corrections, or trying to anticipate corrections, than has been lost in corrections themselves." Take last weekend for example when everyone thought the market was going to crash Monday due to the open letter from Anthropic 🤣
💡 That said, I think the risks are real and the '30% drop' prediction is a good thought experiment for us all to make sure your portfolio matches your goals and risk tolerence... if your investing for the long-term, statistically you WILL experience a crash eventually, the test is whether you can ride it out without panic selling 👀
🫡 My full write-up should be in your inbox! read more
💡 His arguments include:
- 📈 S&P 500 earnings growth concentrated almost entirely in tech and chips, now matching dot-com era peaks
- 💸 Combined free cash flow of the four largest AI hyperscalers projected to turn negative in 2027 due to AI CapEx
- 🏦 Big Tech bond issuance more than doubling year-over-year to fund the cash flow gap
- 🚀 A fresh wave of AI IPOs, which Reilly calls the clearest late-bubble signal (most notably Anthropic’s IPO, which he called an ‘IPO of doom’ and compared to Pets.com, whose IPO was seen as the beginning of the end for the dot-com bubble)
💥 Obviously calls for a crash are nothing new, but I thought the argument was worth covering, so wanted to open up a discussion thread to hear everyone's thoughts on Blossom!
💬 One quote I liked in this context from Peter Lynch: ""Far more money has been lost by investors preparing for corrections, or trying to anticipate corrections, than has been lost in corrections themselves." Take last weekend for example when everyone thought the market was going to crash Monday due to the open letter from Anthropic 🤣
💡 That said, I think the risks are real and the '30% drop' prediction is a good thought experiment for us all to make sure your portfolio matches your goals and risk tolerence... if your investing for the long-term, statistically you WILL experience a crash eventually, the test is whether you can ride it out without panic selling 👀
🫡 My full write-up should be in your inbox! read more
4,534 views
More then amazing week recap 🔥
Today’s Sell:
$CRDO: 3 shares - $201.59
Profit: $109.77 (22.18%)
$CRDO: 2 shares - $214.70
Profit: $71.64 (20.02%)
Today’s Profit: $181.41 (21.27%)
Weekly Profit: $1,313.55 (23.61%)
Monthly Profit: $1,706.77 (22.88%)
3rd best $ month but 1st in %
Still have 10 shares of $MRVL but selling at $270 and then another 5 shares of $CRDO that i will sell out at $257+ but have over $2k cash now read more
$CRDO: 3 shares - $201.59
Profit: $109.77 (22.18%)
$CRDO: 2 shares - $214.70
Profit: $71.64 (20.02%)
Today’s Profit: $181.41 (21.27%)
Weekly Profit: $1,313.55 (23.61%)
Monthly Profit: $1,706.77 (22.88%)
3rd best $ month but 1st in %
Still have 10 shares of $MRVL but selling at $270 and then another 5 shares of $CRDO that i will sell out at $257+ but have over $2k cash now read more
26 views
Yahoooo! Thanks thanks thanks!
A new milestone on @blossom for me. Thank you 7000 times for 7000 followers!! 🚀
I really appreciate everyone who follows along and reads my posts or distribution/dividend announcements since 3 years now
If only 1 out of every 7 of you decided to follow me on my new YouTube channel, I’d honestly be so happy. 😊
It took me a while to finally decide to start this channel. My wife really doesn’t want me showing my real face on the internet, and I completely respect that because we both want to protect our privacy. So I decided to create an avatar that looks a lot like me without being exactly me… although he definitely dresses like me! 😂
That also means I have to create my characters, write my scripts, generate voices and video sequences with AI, and then edit everything together. It takes a LOT more time — and can sometimes be VERY frustrating 🤣 — compared with simply sitting in front of a laptop, turning on a camera and talking.
But along the way, I discovered something I really enjoy. It allows me to develop my creative, cinematic and humorous side, while talking about investing and trying to share useful information without making finance boring.
Hopefully, one day the channel can generate a few dollars — even if it’s just enough to cover the cost of the AI tools I currently pay for out of my own pocket to create these videos.
I may be retired, but somehow I’ve managed to give myself a new unpaid job! 😂 It takes a lot of time and some money… but while I’m making videos, at least I’m not cleaning the house. Watch Episode 14 about Procter & Gamble and you’ll understand. 🤣
More seriously, I’d genuinely love to hear your feedback and comments about the channel. My goal is to keep entertaining you while sharing information about investing, new investment products, distributions and dividends.
And if you enjoy what I’m creating, subscribing to the channel would probably be the nicest little way you could support what I’m building. ❤️
https://youtube.com/@andypiimedia
https://youtu.be/TokPcifO3vo
I was happy when I reached 5K, now 7000 wow! Thank you to read me almost each day. read more
I really appreciate everyone who follows along and reads my posts or distribution/dividend announcements since 3 years now
If only 1 out of every 7 of you decided to follow me on my new YouTube channel, I’d honestly be so happy. 😊
It took me a while to finally decide to start this channel. My wife really doesn’t want me showing my real face on the internet, and I completely respect that because we both want to protect our privacy. So I decided to create an avatar that looks a lot like me without being exactly me… although he definitely dresses like me! 😂
That also means I have to create my characters, write my scripts, generate voices and video sequences with AI, and then edit everything together. It takes a LOT more time — and can sometimes be VERY frustrating 🤣 — compared with simply sitting in front of a laptop, turning on a camera and talking.
But along the way, I discovered something I really enjoy. It allows me to develop my creative, cinematic and humorous side, while talking about investing and trying to share useful information without making finance boring.
Hopefully, one day the channel can generate a few dollars — even if it’s just enough to cover the cost of the AI tools I currently pay for out of my own pocket to create these videos.
I may be retired, but somehow I’ve managed to give myself a new unpaid job! 😂 It takes a lot of time and some money… but while I’m making videos, at least I’m not cleaning the house. Watch Episode 14 about Procter & Gamble and you’ll understand. 🤣
More seriously, I’d genuinely love to hear your feedback and comments about the channel. My goal is to keep entertaining you while sharing information about investing, new investment products, distributions and dividends.
And if you enjoy what I’m creating, subscribing to the channel would probably be the nicest little way you could support what I’m building. ❤️
https://youtube.com/@andypiimedia
https://youtu.be/TokPcifO3vo
I was happy when I reached 5K, now 7000 wow! Thank you to read me almost each day. read more
2,376 views
Congratulations...and Welcome To The Party!
If you DCA'd during the $BTC bear market and ignored the negative comments, enjoy the next few years. To my fellow $MSTE , $BDAY, and $ISBG holders: expect some 20%+ drawdowns, but the overall trend is up and to the right and new all time highs!
To the haters: please save your comments. I heard your criticisms for a year straight and still bought over $1M in BTC ETFs. If I listened to you, I would be an unsuccessful investor. Instead, I followed the data, stuck to my thesis, and now I am up hundreds of thousands of dollars, and it's JUST GETTING STARTED.
So congratulations to everyone who held strong, enjoy the next few years, and Welcome to the $BTC bull market!
To the haters: please save your comments. I heard your criticisms for a year straight and still bought over $1M in BTC ETFs. If I listened to you, I would be an unsuccessful investor. Instead, I followed the data, stuck to my thesis, and now I am up hundreds of thousands of dollars, and it's JUST GETTING STARTED.
So congratulations to everyone who held strong, enjoy the next few years, and Welcome to the $BTC bull market!
6,932 views
Ninepoints Did It Again!! 😊
After hitting a home run with $ECHI they finally came out with their second fund of funds with a great mix of 25 US listed stocks!!
https://youtu.be/x3xjBXQBCBY?si=7DBwSbTrxXBnz6Cf
https://youtu.be/x3xjBXQBCBY?si=7DBwSbTrxXBnz6Cf
158 views
The Opportunity Cost of Cash
2026 has given investors a brand-new reason to hit the panic button almost every couple of weeks.
My inbox has been flooded with the exact same question coming at me from every angle: "Should I be worried about my portfolio right now?"
Honestly, I get it. Look at the headlines we’ve been dealing with, geopolitical conflicts in the Middle East, trade tensions, volatile energy prices, sticky inflation, central banks playing chicken with interest rates, and constant chatter about whether the AI and tech infrastructure boom has blown past its fundamentals into bubble territory.
But here’s the reality check: just last month in August, those exact same markets were ripping to all-time highs.
The S&P 500 has notched an all-time closing high 27 different times already this year.
So why are so many retail investors sitting on the sidelines missing the upside?
1. Your psychology is actively working against you.
When the market pulls back or the financial press starts screaming about an impending crash, human nature takes over and sabotages your long-term strategy. It comes down to classic loss aversion, the psychological pain of losing $1,000 feels roughly twice as intense as the joy of making $1,000.
When headlines turn ugly, your immediate self-preservation instinct is to park your capital on the sidelines to avoid pain, or worse, panic-sell at the exact wrong time.
The investors who actually build real wealth understand this cognitive bias. They disciplined themselves to stay in the game, capture the inevitable recovery, and ride those highs.
2. Cash offers a dangerous illusion of safety.
Parking your capital in cash might help you sleep at night during market pullbacks, but it’s quietly dragging down your returns.
Look at the year-to-date numbers: Cash yields are sitting around 2% to 3%. Meanwhile, emerging markets are up roughly 25% YTD, and US equities have climbed around 13%.
When you factor in real inflation, sitting in cash isn’t safe, it’s a guaranteed loss of purchasing power over time.
Take a look at a 10-year chart comparing cash reserves against a disciplined, long-term equity allocation.
The math isn’t close. If your time horizon is built for the long haul, the statistical odds are overwhelmingly stacked in favor of staying fully invested.
At the end of the day, there is always going to be a reason to worry. Markets don't wait around for you to feel comfortable or for the macro backdrop to look pristine.
Global commerce moves forward, high-margin companies continue to generate value, and economies expand, but you only capture those compounding gains if you're actually in the market with a properly structured, diversified portfolio built to weather the noise.
Always do your own research, invest within the comfort of your risk tolerance and happy investing 🫶🏽read more
My inbox has been flooded with the exact same question coming at me from every angle: "Should I be worried about my portfolio right now?"
Honestly, I get it. Look at the headlines we’ve been dealing with, geopolitical conflicts in the Middle East, trade tensions, volatile energy prices, sticky inflation, central banks playing chicken with interest rates, and constant chatter about whether the AI and tech infrastructure boom has blown past its fundamentals into bubble territory.
But here’s the reality check: just last month in August, those exact same markets were ripping to all-time highs.
The S&P 500 has notched an all-time closing high 27 different times already this year.
So why are so many retail investors sitting on the sidelines missing the upside?
1. Your psychology is actively working against you.
When the market pulls back or the financial press starts screaming about an impending crash, human nature takes over and sabotages your long-term strategy. It comes down to classic loss aversion, the psychological pain of losing $1,000 feels roughly twice as intense as the joy of making $1,000.
When headlines turn ugly, your immediate self-preservation instinct is to park your capital on the sidelines to avoid pain, or worse, panic-sell at the exact wrong time.
The investors who actually build real wealth understand this cognitive bias. They disciplined themselves to stay in the game, capture the inevitable recovery, and ride those highs.
2. Cash offers a dangerous illusion of safety.
Parking your capital in cash might help you sleep at night during market pullbacks, but it’s quietly dragging down your returns.
Look at the year-to-date numbers: Cash yields are sitting around 2% to 3%. Meanwhile, emerging markets are up roughly 25% YTD, and US equities have climbed around 13%.
When you factor in real inflation, sitting in cash isn’t safe, it’s a guaranteed loss of purchasing power over time.
Take a look at a 10-year chart comparing cash reserves against a disciplined, long-term equity allocation.
The math isn’t close. If your time horizon is built for the long haul, the statistical odds are overwhelmingly stacked in favor of staying fully invested.
At the end of the day, there is always going to be a reason to worry. Markets don't wait around for you to feel comfortable or for the macro backdrop to look pristine.
Global commerce moves forward, high-margin companies continue to generate value, and economies expand, but you only capture those compounding gains if you're actually in the market with a properly structured, diversified portfolio built to weather the noise.
Always do your own research, invest within the comfort of your risk tolerance and happy investing 🫶🏽read more
106 views
Beginner’s Guide to Stock Market Terms
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
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
345K views
What Kind of Spender Are You?
I was listening to episode 426 of the Rational Reminder podcast and they started talking about something I really hadn’t thought much about before. We spend so much time figuring out what kind of investor we are. What’s my risk tolerance? How much risk should I take? How much do I need to save? But what about the other side of it — what kind of spender are you?
At some point the money we’re saving and investing is actually supposed to be spent. They talked about three types of spenders: Tightwads → Unconflicted Consumers → Spendthrifts. There’s actually a test for this, so of course I had to take it. I scored 15 — Unconflicted Consumer.
What am I actually saving all this money for? For me, I don’t think it’s material things anymore. When I was younger maybe it was. I’ve talked before about buying a motorcycle in my early 20s when I finally had a decent job and some money. At this point in my life, I think it’s experiences.
My wife and I are celebrating our 15th wedding anniversary and we’re going away together for 10 days. We’re spending more on this trip than we normally would, and I’m completely okay with that. We’ve both worked hard, we’re busy raising our kids, and life seems to move faster every year. Ten days where we can get away together, slow things down and celebrate 15 years of marriage means something to me. That’s something I’m willing to spend money on.
Someone else might look at what we’re spending and think that’s crazy. But maybe they’ve dreamed about owning a Mustang for 30 years and that’s what they want to spend their money on. I’d probably look at the Mustang and think… nope. But that’s the point. What do YOU want to spend your money on?
I think we spend so much time learning how to save and invest that we don’t really think about what happens when it’s finally time to spend it. If you’re a natural saver or a “tightwad,” after 30 or 40 years of telling yourself NOT to spend money, can you suddenly flip that switch in retirement?
Apparently I’m an Unconflicted Consumer, so maybe I’ve got a fighting chance.
If you want to try the University of Michigan test, here it is:
https://umich.qualtrics.com/jfe/form/SV_55xxAQrYK0WRlY2
Take it and post your score. I’m curious where everyone falls.
read more
At some point the money we’re saving and investing is actually supposed to be spent. They talked about three types of spenders: Tightwads → Unconflicted Consumers → Spendthrifts. There’s actually a test for this, so of course I had to take it. I scored 15 — Unconflicted Consumer.
What am I actually saving all this money for? For me, I don’t think it’s material things anymore. When I was younger maybe it was. I’ve talked before about buying a motorcycle in my early 20s when I finally had a decent job and some money. At this point in my life, I think it’s experiences.
My wife and I are celebrating our 15th wedding anniversary and we’re going away together for 10 days. We’re spending more on this trip than we normally would, and I’m completely okay with that. We’ve both worked hard, we’re busy raising our kids, and life seems to move faster every year. Ten days where we can get away together, slow things down and celebrate 15 years of marriage means something to me. That’s something I’m willing to spend money on.
Someone else might look at what we’re spending and think that’s crazy. But maybe they’ve dreamed about owning a Mustang for 30 years and that’s what they want to spend their money on. I’d probably look at the Mustang and think… nope. But that’s the point. What do YOU want to spend your money on?
I think we spend so much time learning how to save and invest that we don’t really think about what happens when it’s finally time to spend it. If you’re a natural saver or a “tightwad,” after 30 or 40 years of telling yourself NOT to spend money, can you suddenly flip that switch in retirement?
Apparently I’m an Unconflicted Consumer, so maybe I’ve got a fighting chance.
If you want to try the University of Michigan test, here it is:
https://umich.qualtrics.com/jfe/form/SV_55xxAQrYK0WRlY2
Take it and post your score. I’m curious where everyone falls.
read more
1,836 views
McDonald's is the Place !
Did you notice $MCD ’s performance today? Down -5.XX%.
Chris Kempczinski, McDonald’s CEO, just told us this morning:
“[…] customer expectations are once again shifting and industry dynamics will remain challenging.”
That’s one way of saying consumers can’t afford a Big Mac anymore. 😆🤣
He also said:
“The industry growth algorithm is changing. We expect industry traffic growth in our wholly owned markets will be flat while inflation remains elevated.”
A little bit more straightforward on this one. Thank you, Mr. Kempczinski. 👍
He was also interviewed today, outside of their annual investor meeting, and said:
“We need to stop talking about this being a difficult environment, and just say: that is the environment. Because as we look forward, we are not expecting things to change […] we do think inflation is gonna be with us for, unfortunately, I think, many more years at an elevated level…”
Well, that couldn’t be much clearer: he doesn’t think inflation is going anywhere anytime soon.
Do you remember KTS #1? And the greatest (self-proclaimed 😂) post in the history of Blossom: “They Are Telling Us – So What Are You Waiting For?” 😂
They have one clear thing in common:
INFLATION.
Those who took the TIME to read and understand these two posts from March 2024 are now most likely prepared for high and sticky inflation.
Inflation has been here all along. But now, companies are giving up on the idea that it’s temporary.
You’re already feeling it. Is your portfolio prepared for it?
I always give you my best! 🏆
This is the Way! 🏄🌊
read more
Chris Kempczinski, McDonald’s CEO, just told us this morning:
“[…] customer expectations are once again shifting and industry dynamics will remain challenging.”
That’s one way of saying consumers can’t afford a Big Mac anymore. 😆🤣
He also said:
“The industry growth algorithm is changing. We expect industry traffic growth in our wholly owned markets will be flat while inflation remains elevated.”
A little bit more straightforward on this one. Thank you, Mr. Kempczinski. 👍
He was also interviewed today, outside of their annual investor meeting, and said:
“We need to stop talking about this being a difficult environment, and just say: that is the environment. Because as we look forward, we are not expecting things to change […] we do think inflation is gonna be with us for, unfortunately, I think, many more years at an elevated level…”
Well, that couldn’t be much clearer: he doesn’t think inflation is going anywhere anytime soon.
Do you remember KTS #1? And the greatest (self-proclaimed 😂) post in the history of Blossom: “They Are Telling Us – So What Are You Waiting For?” 😂
They have one clear thing in common:
INFLATION.
Those who took the TIME to read and understand these two posts from March 2024 are now most likely prepared for high and sticky inflation.
Inflation has been here all along. But now, companies are giving up on the idea that it’s temporary.
You’re already feeling it. Is your portfolio prepared for it?
I always give you my best! 🏆
This is the Way! 🏄🌊
read more
1,178 views
What are the thoughts around NLR right now?
The stock keeps dropping more and more, I plan to hold for a bit longer but my plans for my portfolio keep changing
2 views
Priced in - a lesson for beginners
What does “priced in” actually mean?
When investors say something is “priced in,” they mean the market already expects it.
Example:
If everyone expects a company to report strong earnings, the stock may rise before earnings.
Then the company reports great numbers… and the stock still falls.
Why?
Because investors were expecting even better.
Markets don’t just react to good or bad news.
They react to the difference between:
What happened
and
What investors expected to happen
That’s why a stock can fall on good news and rise on bad news.
The market is always comparing reality with expectations.read more
When investors say something is “priced in,” they mean the market already expects it.
Example:
If everyone expects a company to report strong earnings, the stock may rise before earnings.
Then the company reports great numbers… and the stock still falls.
Why?
Because investors were expecting even better.
Markets don’t just react to good or bad news.
They react to the difference between:
What happened
and
What investors expected to happen
That’s why a stock can fall on good news and rise on bad news.
The market is always comparing reality with expectations.read more
76 views
Rewarding yourself?
Iv sprinkled fun built into my routines. I spen about $100 on video games per month. My wife about the same on her fun. We both go out for dinner once a week. We call it Fat Fridays. My wife is from vietnam, but she has low key become addicted to Wopper Wendsdays as well.
Beyond this, We dont tie down our net worth milestones to our rewards. I think we should though. I was listening to the @karyungtom @moementumfinance podcast and the idea of 1% every $100,00 actually sounds kinda nice.
This would force us to spend. My wife and I couod both benefit from this. I might not be a very well informed investor but my wife and I budget like no other.
Beyond this, We dont tie down our net worth milestones to our rewards. I think we should though. I was listening to the @karyungtom @moementumfinance podcast and the idea of 1% every $100,00 actually sounds kinda nice.
This would force us to spend. My wife and I couod both benefit from this. I might not be a very well informed investor but my wife and I budget like no other.
706 views
Why I’m Happy Renting Right Now
My wife and I rent right now, and I'm very happy with that decision currently. We get flexibility, we don't have to worry about replacing a roof or furnace, and we can move when life changes without selling a house first.
Owning can be awesome when you want to stay put and make a place your own. I definitely want that eventually. But I don't see renting as throwing money away while we wait. We're paying for a place to live and for the flexibility that fits our life right now.
For us, renting works financially because we pair that flexibility with discipline. If every dollar not going to a down payment or repair bill just gets spent somewhere else, you lose one of renting's advantages. We still need to save and invest on purpose.
Has renting or owning given you more freedom at this stage of your life?
Owning can be awesome when you want to stay put and make a place your own. I definitely want that eventually. But I don't see renting as throwing money away while we wait. We're paying for a place to live and for the flexibility that fits our life right now.
For us, renting works financially because we pair that flexibility with discipline. If every dollar not going to a down payment or repair bill just gets spent somewhere else, you lose one of renting's advantages. We still need to save and invest on purpose.
Has renting or owning given you more freedom at this stage of your life?
1,534 views
Help shape the future of Blossom (User Interviews)
Hey Everyone! My name is Austin and I am working at @blossom on the product team!
Our team is constantly looking for ways to improve the platform and build features you care about. I am hosting a series of 45-minute user interviews every thursday to learn more about how you use blossom today. Anyone is welcome whether you are a new or longtime user of the platform!
Interested in chatting?
Click the link to find a time that works for you. https://calendly.com/austin-blossomsocial/45min
Our team is constantly looking for ways to improve the platform and build features you care about. I am hosting a series of 45-minute user interviews every thursday to learn more about how you use blossom today. Anyone is welcome whether you are a new or longtime user of the platform!
Interested in chatting?
Click the link to find a time that works for you. https://calendly.com/austin-blossomsocial/45min
1,950 views
I’m up to 2,387 shares of $SCHD.
That will pay me a dividend of $636 this weekend.
That will DRIP and buy me another 19 shares of $SCHD.
The cycle continues.
That will pay me a dividend of $636 this weekend.
That will DRIP and buy me another 19 shares of $SCHD.
The cycle continues.
888 views
Same Tool, Different Uses
I wanted to clarify a point from the latest KarMoe episode.
Income products can serve different purposes:
1. @riggs uses them with margin to accelerate investing, and values the distributions for flexibility and cash flow.
2. Some people use them before retirement.
3. Some people use them after retirement.
Someone can believe a covered-call portfolio is especially suited to retirement, and I respect that view. I’m not judging the mindset of someone who holds one, or saying it has to be the same as a growth investor’s. I’m just saying: you don’t know enough from the label alone.
People use the same tools for different reasons and in different circumstances. There are multiple styles under both the “income” and “growth” umbrellas. A useful discussion needs to get specific about the product, the goal, and how it’s being used.
I know “growth versus income” can get very tense, and a headline can bring broader thoughts about the topic into the comments. Sometimes people are responding to the show notes rather than what Moe and I actually said in the episode (not everyone has time to hear me ramble, I get that). I’ve come to expect that, and it’s fair game.
The same problem applies to the “growth” label. Calling me a “growth investor” doesn’t tell you much. My broadly diversified, CAGE-centered approach is very different from someone holding only NVDA, TSLA, and META, even if we both get put under the same label.
That’s why I’m always aware I have to navigate these terms with extreme caution. LOL.read more
Income products can serve different purposes:
1. @riggs uses them with margin to accelerate investing, and values the distributions for flexibility and cash flow.
2. Some people use them before retirement.
3. Some people use them after retirement.
Someone can believe a covered-call portfolio is especially suited to retirement, and I respect that view. I’m not judging the mindset of someone who holds one, or saying it has to be the same as a growth investor’s. I’m just saying: you don’t know enough from the label alone.
People use the same tools for different reasons and in different circumstances. There are multiple styles under both the “income” and “growth” umbrellas. A useful discussion needs to get specific about the product, the goal, and how it’s being used.
I know “growth versus income” can get very tense, and a headline can bring broader thoughts about the topic into the comments. Sometimes people are responding to the show notes rather than what Moe and I actually said in the episode (not everyone has time to hear me ramble, I get that). I’ve come to expect that, and it’s fair game.
The same problem applies to the “growth” label. Calling me a “growth investor” doesn’t tell you much. My broadly diversified, CAGE-centered approach is very different from someone holding only NVDA, TSLA, and META, even if we both get put under the same label.
That’s why I’m always aware I have to navigate these terms with extreme caution. LOL.read more
1,084 views
Just wanted to say thank you
Thank you to all of my followers , we have reached
20K followers on Blossom
1.2k followers on X
Over 300 subscribers for The Edge Report Newsletter
Board of Advisors ( Option Specialist) at DividendVisions
We are working on a couple of things : building a YouTube Channel - building a portfolio and trading options in Public
Possibly a weekly live show with a media partner read more
20K followers on Blossom
1.2k followers on X
Over 300 subscribers for The Edge Report Newsletter
Board of Advisors ( Option Specialist) at DividendVisions
We are working on a couple of things : building a YouTube Channel - building a portfolio and trading options in Public
Possibly a weekly live show with a media partner read more
1,438 views
Without Looking.....
Guess which ONE of the 11 sectors finished up today - a day when the market starts to realize where the puck is going...... 😉
982 views
Long-term investing goals
📊 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
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
564K views
Green Day!🟢👍
Have you ever heard of a music group called “Green Day”?
I actually didn’t like their music too much when their songs were first being released. Even though they were a very popular group, I thought they were too punk for my taste!😂
But over the last few years I’ve come to appreciate their music more, probably because of Spotify, and the ease of streaming music. Green Day actually has quite a few hit songs, and I like quite a few of them. I guess you could say that I’m a “Green Day” fan now. 🟢🪭
Some of their more popular songs, which I think are pretty good, are Boulevard of Broken Dreams, Good Riddance (Time of Your Life), and When I Come Around.
One song that I’ve discovered recently, that I quite enjoy, is called 21 Guns. I think it was a moderate hit when it was released, but I don’t think I ever heard this song until recently.
Anyways, it’s a pretty nice song that you might want to have a listen to, when you have a chance. Pretty catchy tune. Here is a link to a live version of the song on YouTube.
https://youtu.be/HVaYkdG4k_I
On another note, my portfolio also had a nice “Green Day” today!🟢😂😂
Daily gain of +$230,568!👍
Quite a few of my Bitcoin related investments ($MSTR, $FBTC, $IBIT, $FBTC) and tech related names ($NVDA, $SMH, $META, $AMD, $VGT, $QQQM) did very well today!
How did your portfolio do today? 🤷♂️
Did you have a nice “Green Day” 🟢 as well?😂😂😂
read more
I actually didn’t like their music too much when their songs were first being released. Even though they were a very popular group, I thought they were too punk for my taste!😂
But over the last few years I’ve come to appreciate their music more, probably because of Spotify, and the ease of streaming music. Green Day actually has quite a few hit songs, and I like quite a few of them. I guess you could say that I’m a “Green Day” fan now. 🟢🪭
Some of their more popular songs, which I think are pretty good, are Boulevard of Broken Dreams, Good Riddance (Time of Your Life), and When I Come Around.
One song that I’ve discovered recently, that I quite enjoy, is called 21 Guns. I think it was a moderate hit when it was released, but I don’t think I ever heard this song until recently.
Anyways, it’s a pretty nice song that you might want to have a listen to, when you have a chance. Pretty catchy tune. Here is a link to a live version of the song on YouTube.
https://youtu.be/HVaYkdG4k_I
On another note, my portfolio also had a nice “Green Day” today!🟢😂😂
Daily gain of +$230,568!👍
Quite a few of my Bitcoin related investments ($MSTR, $FBTC, $IBIT, $FBTC) and tech related names ($NVDA, $SMH, $META, $AMD, $VGT, $QQQM) did very well today!
How did your portfolio do today? 🤷♂️
Did you have a nice “Green Day” 🟢 as well?😂😂😂
read more
3,020 views
