Founder @InvestingGym. I write Clarity Code, trusted by 10,000+ to level up with money, investing & markets, and business. Get my Free Psychology Playbook 👇
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$SPCX (@SpaceX) investors who bought near the highs keep asking the same thing.
Did I lose money on this IPO, or is this the reset before the next leg up.
The free IPO memo helps you think that through.
Read it first: bit.ly/spacexfree
#FinancialFreedom
A US bank lobby just admitted your AI "agent" isn't your agent.
It can pay bills and move money inside limits someone else set. That part's real.
What's missing: the duty a human advisor has to put your interest first. The AI has none.
A French AI tool called Pigment just raised 222.5 million euros, 2 billion euro valuation.
Its agents already build most new metrics on the platform. No person typing them in.
Next stated goal: let AI set the budget, not just track it.
Nvidia is reportedly investing too.
Hong Kong IPOs jumped a median 51.6% on day one in 2026. NYSE: 0.5%.
Same year, same offer-price game. Where you list changes the first-day pop more than the headline deal does.
Which exchange would you bet on?
ALT Hong Kong IPOs jumped a median 51.6% on day one in 2026. NYSE: 0.5%.
Stripe just launched an AI agent that pays your invoices and moves your money for you.
Here's what nobody's saying.
The decision didn't disappear. It moved earlier, to the rule you set the day you turned it on.
You don't remove the choice. You just make it once.
Imagine earning good money the year nobody in your office had heard of an AI agent.
That was me, 14 years ago, teaching behavioral finance at ISCAL.
Last week a student asked if his AI agent should trade for him instead.
The subject didn't change. The homework did.
Half of US Claude chats are personal: 49.7%, against 40.2% worldwide.
Work is 41.3% in the US and coursework only 8.9%, versus 16.5% globally. This counts conversations, not users.
Do you use AI more for life or for work?
ALT Half of US Claude chats are personal: 49.7%, against 40.2% worldwide.
A 49 year old asked Reddit if he's already behind.
No debt. Steady income. An actual plan.
He just read a few posts from strangers half his age.
That's not data. That's a scoreboard you never agreed to play on. Real benchmarks, free: bit.ly/3RIMMLW
A new AI tool reads your adviser's inbox, drafts the reply.
Flags what's urgent. Suggests the next step.
Then it stops. Its own fine print says every suggestion needs your yes first.
Every AI launch this year brags about skipping you. This one admits it still needs you.
Wall Street's fear gauge is down 33% since March's close.
The VIX ended March at 25.2 and sits at 16.9 now. Calm markets feel safe, but fear was cheapest when it was lowest.
What is the VIX telling you today?
ALT Wall Street's fear gauge is down 33% since March's close.
PPRO, BLIK, Bancontact, Wero and DIAS just formed a council.
Their job: decide how AI agents pay for things in Europe.
Not banks. Not regulators. Five payment networks wrote the rulebook first.
The rules you'll live under got decided this week. You weren't in the room.
Your parents could save plenty on one income.
Today, 36% of people earning $300k+ say they live paycheck to paycheck. Two-thirds already delayed a goal because of it.
Not a spending problem. A system failure.
Six figures won't buy you out of it.
July's biggest IPO was Csquare. It raised 916 M€.
India had 3 of the top 8. One of them, INDO-MIM, rose 52.9% on day one.
The big deal got the headline. A smaller one got the jump.
@Investinggym #IPO #investing #stocks #stockmarket
ALT July's biggest IPO was Csquare. It raised 916 M€.
Someone on a high-earner money forum admitted this week they lost the frugal habits they used to have, and don't know how to get them back.
That's not a willpower problem. It's a missing system.
I built one, free: bit.ly/3RIMMLW
Safran civil engine services revenue grew 43.1% in Q1 2026.
In Q3: 19%.
Spare parts went from 29.3% to 17%. Still growing. Just much slower. Figures in US dollars.
@investinggym #investing #stocks
Four ways to value Netflix $NFLX land near $68 a share.
The price on 23 Oct: $66.29.
The ranges run from $46 to $93. Wide, but they overlap around today's price. My model, not advice.
@investinggym #investing #stocks
A bank just let AI answer your email alone.
LHV Bank turned on an agent from Gradient Labs. Lost card, payments, transfers, it replies start to finish. Only messy cases go to a human.
No draft, no approval step.
Next time your bank replies fast, that's the tell.
Four ways to value PayPal $PYPL average out at $98 a share.
The price on 23 Oct: $57.02.
One method does the heavy lifting: the DCF at $123 to $240. The other three sit at $52 to $85. My model, not advice.
@investinggym #investing #stocks
IPOs priced in the first week of a month jumped twice as much on day one.
Typical gain: 9.9%. Last 10 days of the month: 4.9%.
Small sample. A curiosity, not a rule. But it is free to check.
@Investinggym #IPO #investing #stocks #stockmarket
ALT IPOs priced in the first week of a month jumped twice as much on day one.
Your bank's AI safety net has a hole in it.
86% of financial firms now use AI. Only 4 in 10 people know they'd have zero recourse if an AI chatbot's money advice went wrong.
Adoption got here first. Protection didn't.
If you've asked AI about money, you're the gap.
PayPal $PYPL grew active accounts 1.2% in Q4 2025.
Revenue grew 3.7%.
In Q4 2021 both grew 13%. Fewer new users now. More money from the ones it has.
@investinggym #investing #stocks
