URGENT: SOFI Shareholders Do THIS ASAP!

What's going on with SoFi? Stock's not performing. Stock is basically doing nothing. It's under $16 per share. It's really disappointing. Investors are frustrated and I'm frustrated as well. And I've dug down. I really sat down and did some research on SoFi. And there was a troubling sign that I saw specifically from Muddy Waters release report which was accusing SoFi of accounting issues. Now, this did happen on March 17th. And I sort of overlooked this news because I saw that Anthony Notto on March 17th, specifically the same day, ended up buying 28,900 shares of SoFi at $17. 32. These two pieces of information came out on the same day. And it seems that the negativity is just overpowering SoFi stock. But in general, the market's not really in a beautiful, great, high momentum, chaotic, enthusiastic place. It's just not it's not in a bicep over tricep time. It's more in a kind of a weak time in Iran war situation time where investors are just scared and there's fear in the market and that's fair. I think that the market has some risk right now. But also when I sat down and kind of re-evaluated my thesis on SoFi, I think that right now SoFi is just oversold. And the only reason that the stock is really down is because of the general market being down, fintech stocks being kind of revalued, and some loss of trust on SoFi's end. So, I'm going to cover these three things, and I'm going to talk about where I kind of see SoFi going in the future and what I'm doing with my position. So, first of all, the negative claim was that 312 million unrecorded debt is kind of being hidden. It's being kind of famusled, fugazi. And that was Muddy Waters allegations that essentially SoFi is doing financial engineering. Yeah, that's right. They're cooking their books. They're cooking some secret tikka masala spicy curry sauce, which is not in India. It's in the US, and it's gonna um you know, be a little too spicy for um for people to eat. That's what they're accusing of. and I love spicy food, but they're accusing SoFi of overstating earnings, which would obviously be a big issue because that means that they're making less money than they're saying they're making. And it's hard to say because there's no clear proof of that. This is an accusation from muddy waters. And if I look at the results, this has been a massive loss of trust. And if anything that investors hate, they really hate uncertainty. investors when they see uncertainty, man, they start running for the hills. They're like, "I don't care. I'm concerned that I'm worried because if this is true, this stock's going to crash. " Right? Right now, despite allegations, the CEO, right, Anthony Notto, Mr. Anthony Notto, who I trust, many thousands of shares myself, thousands, and I'm down on the stock right now at the moment. I've had many prices in SoFi, but right now my average cost is over $21. Anthony Nto is buying. He's buying into the weakness. So what does he know? What does Anthony Nto know that Muddy Waters doesn't? Well, Anthony works at the company. So, you know, despite accusations, Anthony, he continues a very clear pattern of buying during weakness. The same day the market panicked over a short report, the CEO stepped in and he's like, "Where's my wheelbarrow? " Okay, I know we don't use whirl barrels, but I need to catch some of these shares. I need some of this, right? He had a lock up period before. So, it wasn't even until March 1st and he ended up buying March 2nd as well. Okay, he also bought March second. I forget how much he bought there, but it was also in addition to SoFi March 2nd. But essentially, when his lockup period ended, he had a lockup period of 6 months. He's been buying. So, the CEO himself is buying and he's stepping in. And that's not really a coincidence, right? You don't work at a company and you lead the company and you're the CEO and by coincidence you accidentally buy the buy button. You're like, "Ah, let me buy some shares. " No, no, no, no. This is deliberate, right? It's deliberate. So, who am I going to trust? And why am I even trusting someone else and not myself? Well, the CEO, the leadership is the most important part of a company. Part of the reason, a big reason why I have outperformed the market over the long term, and again, I'm just going to point out there, I'm not a financial adviser. I'm not licensed or registered for anything, but as a investor myself, in my own experience, I have crushed the market. I beat it over a long period of time. Something that very few investors do. I've been, call it fortunate, call it lucky, call it researched, call it wise, call it, you know, whatever you want to call it. But a big part of my own success has been studying CEOs and understanding the psychology of a CEO and where the leadership is kind of going. That's why I've been talking about SoFi for a long time. Palunteer since the very beginning because the CEO of

Palanteer went to my high school, right? That's cool. And yeah, Henry's bragging, but you know, it's just I'm pointing out the facts that I like investing in CEOs and management. Okay, so the same day the market panicked over a short report, the CEO, he stepped in, he bought. And the real question isn't what Muddy Waters said. It's whether Anthony Notto knows something that the market doesn't. And the answer is, I mean, probably. I'm going to say probably, but it's loosely said is probably, right? Anthony definitely knows things that we don't. He has advantaged information. I'll call it advantaged. The heck, it's pretty much insider info and it's info that no one else has, but I'll just call it advantaged. Okay. So, I don't really believe that the current pricing reflects the long-term value because the stock was $35 billion market cap. Now, the stock is basically crushed. There's a compression, valuation compression. Now, what is valuation compression? I've mentioned this a little bit on this channel. Something that I hope to teach you that maybe other competitors of mine on YouTube don't teach is how valuation compression works and what it also means for an investor. So, valuation compression means that investors are willing to pay less for the same company. This is very important because nothing has changed. It can be the same company yet people are willing to pay less for it. It's kind of like a you know really amazing car and then you know the car is brand something happens to it and now people are willing to pay less for that car. It's not really that the Lamborghini and all these you know higher vehicles really have better parts. They do but the exponential amount that you're paying more for a luxury vehicle versus a Toyota, right? Lexus and Toyota. Let's actually do that example. Lexus vers Toyota is the same parts. It's just kind of a different brand slapped there and it's different price, right? And if you look at high designer like Gucci and Prada and it's the same slave worker in, you know, I don't know, Pakistan or something doing it. And I'm not looking down. I'm not saying that in a negative way. I'm saying it in an unfortunate way. Like I wish that wasn't the case, right? That they were using the cheap labor. But what I'm trying to say is two things can be very different prices but be the same thing. It's all about what other people are willing to pay and the psychology of the consumer, right? People are just willing to pay more for Lexus because it's brand and its status. People are willing to pay more for Gucci than they are for H& M. But, you know, the quality I wouldn't say is that multitude 100 times better. It's twice better, not 100 times the price. So when I look at SoFi being down so much while revenue is growing right business is improving but the multiple has dropped then to me that's a sign that this is likely becoming a value play. It is more on a discount. It's more valuable right? So before revenue was growing fast and investors were willing to pay let's say you know 10 times revenue and after compression investors only willing to pay seven times right but on a long-term basis the company is still going to mean revert back to a higher revenue multiple once the market settles down and their view changes. It's all about the view, right? You know, it's like metal is worth like nothing in a junkyard and then metal can be worth like thousands of dollars on a Rolex, right? It's all about like where that material is used, right? So, it really is pretty similar for a stock. In the long term, it's going to be revalued to what the cash flow is for that company and what investors believe that future cash flow is worth today. Okay, that's basic finance. That's what I studied is basic finance, right? So, a company's worth the money that it's making. So, I'm not looking at the price. And there's a reason why I'm making this video without sharing my screen and without sharing my phone and without sharing SoFi in the screen. It's because I don't want to look at the price. market every single day. If you look at Warren Buffett, one of the best investors, he said a smart and strong investor, the way that they um can make a good decision is ask yourself, would you be happy investing in this company? And then if the stock market was closed for 5 years, holding it for 5 years. So that's why in my coaching program, I keep it really chill because I'm working with doctors, lawyers, engineers, busy professionals, and you know, I'm not trying to work with someone that's trying to, you know, day trade and look at their portfolio all day. Instead, I take a really passive approach because that's what's worked for me. I haven't been dialed in looking at the market all day. I'm traveling, spending time with my girlfriend, I'm going to the gym, I'm taking other things into priority, family, etc. I'm not looking at the market and yet I have personally a better return than a majority of investors and I actually show it on YouTube, right? My portfolio has stayed very stable even during tougher times. Keep in mind I've been taking money out of my portfolio for living expenses and

also I've recently taken money out because April 15th is tax day and I have to pay taxes and my portfolio has been stable. So, it's all about having that long-term perspective. And when I see a stock like SoFi coming down, I really don't have any concern. What Muddy Water said, I am a little bit concerned because I'm not working at SoFi. Maybe they are cooking their books to some extent, right? But at the same time, who doesn't cook their books? Who isn't exaggerating? Literally, show me like one person who doesn't exaggerate. Every CEO is going to exaggerate. Every analyst is going to try to prove their point. And that's how humans are. That's human nature. So of course they're trying to financially engineer. It's a bigger question is are they just, you know, slightly financial engineering in a normal way or is the CEO eating lobster dinner and and getting some uh you know pretty girls to dance on his lap? Okay. Is he doing some ridiculous stuff? I don't think he's doing any ridiculous stuff. So you know if Muddy Waters is saying there's some a little bit of financial engineering company's been around for a long time. So I would say the chances are pretty low that there's something very nefarious going on. Okay. So when I look at why SoFi is down, it's important to understand why. It's because of valuation compression. So same growth when investors are willing to pay less and the stock got cut. And also another reason is interest rates are, you know, going up, right? So when rates are low, future profits are worth a lot more. And when, you know, rates potentially could be higher in the future, future cash flows are going to be worth less, right? That's one thing. Another thing is just risk perception right now is higher because obviously we have a war and I'm not political and I could care I could care less. My goal is to help other people help myself achieve a comfortable monthly figure to retire which is what I have done and I'm coaching and teaching on YouTube because I want to teach not because I have to. So when I look at what's gone on in the market politically it's tough, very tough. I think politics is just the way to make money. It's all about money making. Democrats, Republicans, man, same kind of issues on no matter what, there's lots of issues, right? It doesn't seem like there's much agreement. There's always, you know, conflicts. And right now, what I'm seeing in Iran, you know, I hope that it ends. ends because that is going to be very conducive to a bull market. Right now, you know, the risk perception is higher. Therefore, stocks such as SoFi, Palunteer, Palunteer actually profits from more yet the stock is down a lot. Robin Hood's down a tremendous amount. you know, Tesla, Nvidia, all all the stock the whole stock market, man. It's in a tough spot. And I think it's because the war, what else can it really be? It's interest rates risk. U but it's mainly the situation in Iran. So, you know, very unforeseen, I would say, you know, that America is going to get into yet another war. But it's just money. Politics is money. And I don't really trust government or anything like that. But, you know, we can see the short-term pressure in the market. All right. So, let's just leave it at that. There's not much an individual can do. What I would say would be the smartest thing to do is to look at everything as an exciting opportunity. So, when it's down, view this as, hey, the business is fine. The valuation got crushed. What does that mean? Well, that means that things are looking cheaper and it's on a discount. So, this seems the market is overreacting, right? Is the Iran war going to escalate? it can which is why everything is low but America has been through many wars issues yet the stock market always kind of overcomes that right and it goes forward and it increases so the future to me on SoFi is what I'm specifically covering in this video as well as the stock market looks fine granted our net worth is down my as well a lot a tremendous amount I've been spending a lot of money I got used to a good market so I feel you Guys, I feel you. When the market's down, I can see right now that booked calls for my coaching is down. No one's not many people are booking calls because everyone's hanging on to their portfolio. And that's fine. I think that's, you know, smart. It's hard to spend money when times are uncertain, right? Not even an in not even from an investing angle, but from a investing in yourself angle or just spending, right? Like probably we're not going out to like crazy restaurants. When I was in Dubai before the Iran war, I would go on some nice dinners. Like, I've deserved it. I've worked hard. I've helped many countless students build wealth and I've done well with coaching. the stock market. So, I took myself and my girlfriend on a nice date and it was a $2,000 bill. It was very, very expensive. I don't do that every day, but hey, I wanted to eat some good sushi. But then, you know, the whole situation started and hey, I probably not going to go on my monthly $2,000 sushi spree, right? Uh, probably not going to do that. So when I look at the market, these tough times are here, but are they going to last? No. Because the market just goes back to business as

usual and it's going to be fine. So if I'm looking at generating income right now, which I am, I'm always pretty much doing that because once you have a certain portfolio value, the goal is to generate income from it, right? It's not, oh, I have all this money. Well, no, it's like what does this money make me and how do I, you know, spend this money because money is meant for spending, right? So, what I'm personally doing on SoFi and other stocks is covered calls. And most people think that if you're underwater, you can't sell covered calls. But that's incorrect. That's simply incorrect. Even if you're underwater in a stock, there's a way to sell covered calls. And selling covered calls as a strategy is still good for producing income even in tough times. But if you want to do it the right way, know how to pick strike price and manage a covered call, even if you're underwater and even in difficult times, I want you to check out this video right here. It is the best video I've ever made on covered calls and how to manage a covered call. There's a lot that you can learn about even in these more difficult times on how to use covered calls as a strategy even on stocks that you're down on. I promise it's going to be a really good use of your time and it's going to help you a lot. So, if you're on YouTube and you have some time right now, do it. It's going to be very useful for you.