🚨 HOW TO START INVESTING IN 2026: STOCKS, BITCOIN, ETFs & HOW TO READ CHARTS

8:19Daouda Hunter:It's been an event for two years. Like I said, I know the talent. i get to watch it firsthand we actually got a group chat now our group chat is pretty good but for the people who may not know i know austin you had an episode already do who the staff give them give them a little breakdown on who you are and how you got here

8:40Austin Haynes:so yeah my name is dahuda hunter i'm the president of the investors group and you know with my experience within the market since about 2020 uh helping out with the family investment club it brought me to eyl i've been following eyl since 20 i'm gonna say the end of 2020 or 2021 ish. And then the opportunity came Magda dropped it in the community. And I was just like, why not? Why not? So let's let's ride out with this. I know. So that's what got me here now and have this beautiful team with me. We've been taking it since then. It's amazing to see the outpour and like how much people appreciate what we do, because it doesn't go unnoticed.

9:16Austin Haynes:We're very grateful for it. Yeah. Yeah.

9:20Stephanie Del Rosario:And my name is Stephanie. I'm the vice president for the investors group. And I actually came across you guys for the first time on Market Monday. I was a trader. I've been actually trading options by itself since around 2021, but I had a missing piece. And so when I started to listen to Market Monday is because I had never started long-term investing. And you guys actually added that component to me, which was so vital. I tell everybody, I kind of grew up in U.I. University, even though I'm 41 now, but I feel like I really grew up in U.I. University because I matured as an investor through learning through your options classes and then I saw the need they were magda was asking for volunteers and I was like well I know the technicals but really growing as a community teaching other people has helped me to grow so much and I really thank you guys so much for just allowing us to be part of the university and everything that you guys have poured into us no problem we appreciate you we

10:08Austin Haynes:appreciate you and Austin you could reintroduce yourself to anybody that that hadn't seen that episode perfect so how's everyone doing my name is Austin I'm the teach crypto portion for the investors group for EYLU. I've been researching crypto for about a decade now. I got into it at first. It's the natural story of how everyone, I think, gets to start in investing. You invest at that high. You don't know to buy something on the pullback. And then when the crypto market turned around, I was confused. I was lost. But I turned to research. I turned to documentation. And I ended up just studying research from institutions like the Bank of International Settlements, the Federal Reserve, different governments around the globe.

10:46Austin Haynes:And that led me to be in EYLU. And then once I was in EYLU, I saw Magda make a post about wanting someone else to join the investors group. And I thought the same thing, like, why not? Like, I have a bank of thousands of documents and information. Like, I want to be able to provide this information to the community. Because I think we're in a unique time in history. And I'll touch on it in my presentation as well. But we haven't been here before in our lifetimes, at least. And I wanted to make sure I emphasize that to the community and it's just as far as from there so I'm definitely grateful for the opportunity.

11:17Austin Haynes:Alright, okay. Okay, so let's get into it. I know we have a presentation. Who's first up to bat? I'll be going first.

11:28Daouda Hunter:Okay, okay, okay. So I'm going to put everybody else in the background backstage real quick and awesome. We're going to bring you up with the presentation, my guy.

11:36Austin Haynes:Let's do it.

11:38Daouda Hunter:I'm never really ready, man.

11:41Austin Haynes:So As I stated before, we're in the unique point in history. But something that I want to emphasize on this podcast today is that we've never before had an asset where we can invest in the underlying technology and the asset at the same time. When the Internet first came about, we weren't able to invest in the WWDOT or the HTTP. We were only able to invest in the companies that were built on top of that, like the Alphabets, the Amazons, the Metas, the Teslas. But crypto and blockchain is a first technology where we can invest in the underlying infrastructure as well as the asset. And there's two separate things.

12:17Austin Haynes:And I think it's confusing to look at it. And on top of that, everyone wants to say zoom out on the stock chart. My presentation today, I want to be able to zoom out on history to let people know that we've been here before with regulations. And it's the same common theme over and over and over again. But next slide, please. To start off, I don't think people are realizing the size of the opportunity at hand. Money is actually the largest asset class on earth. And as we know, that blockchain and crypto is going to revolutionize money and finance in the way value moves. And I know this may sound surprising to people because we've never before have been able to tap into this market cap.

12:58But

12:58Austin Haynes:But when you look at the total market cap of money, it's the largest ever. Money underlines everything, it underpins every other asset class, from the M2 to M3 money supply, to real estate, to bonds, to equities, to private equity, to gold. When you look at this and you realize that people like Larry Fink, the CEO of BlackRock, says that we're going to tokenize everything, all these asset classes are going to be tokenized. But what does tokenization mean? What is the true value of this opportunity? When you add up all these asset classes together, it's roughly about$670 trillion. I'm not saying that$670 trillion is going to come to the crypto industry today or tomorrow or a month from now, but post-regulations, which we'll touch on shortly, even if we get a 1%, 2%, 3 % of the$670 trillion, that's massive, massive gains.

13:52Austin Haynes:Next slide, please. So what is tokenization? If we're able to tokenize every single asset class, that has the opportunity to generate enormous amounts of wealth. In every single institutional document that I've read, it's all been the same common theme. And this is a document straight from BlackRock to just describe what tokenization is. Because everyone likes to talk about tokenization. Everyone likes to talk about the asset classes I can touch. But no one really describes to you exactly what it is. This document for BlackRock goes on to say, what exactly is tokenization? It's turning real-world assets, stocks, bonds, real estates, and the digital tokens tradable online.

14:26Austin Haynes:Each token certifies your ownership of a specific asset, much like a digital deed. Unlike traditional paper certificates, these tokens live securely on a blockchain, enabling instant buying, selling, and transferring without cumbersome paperwork or waiting periods. Every stock, every bond, every fund, every asset can be tokenized. If they are, it will revolutionize investing. And that's something I want to reread because that shouldn't go over everyone's head. Every stock, every bond, every fund, every asset can be tokenized. If they are, it will revolutionize investing. Markets wouldn't need to close.

14:58Austin Haynes:Transactions that currently take days with clearance seconds. And billions of dollars currently immobilized by settlement delays could be reinvested immediately back into the economy, generating more growth. So if BlackRock's stating this, that means it's happening. It's not a choice. It's not an option. That's the future that we're going to. But we have to be able to know the size of the opportunity, which is at$670,$680 trillion roughly today, which as we know will only increase as they're going to print more money. But then we also have to know what tokenization actually is. So what does it look like?

15:28Austin Haynes:This is a slide to show you what the traditional equivalents to the assets will actually look like in the tokenized realm, because it's really just everything living on digital code or on top of the internet. Tokenized assets for traditional equivalents. Sable coins are just cash. money is going to be money tokenized deposits are just bank deposits tokenized treasuries are just bonds tokenized stocks are equities tokenized real estate is just real estate so when you realize that we're not changing the underlying infrastructure of these assets we're just moving them on top of the blockchain that can make a little bit more simpler for people to be able

16:04Daouda Hunter:to understand also i know people are listening right now and they've been hearing tokenize when it's regarding AI. So in that form, when you're talking about tokens, are we referring to the energy that it takes for the artificial intelligence or the large language model to actually function?

16:21Austin Haynes:No. Tokenization for blockchain and crypto, imagine if you're able to put a piece of real estate on the blockchain. Then you can have multiple people be able to invest and that is able to tap into an illiquid asset class currently. Or if we can, for example, the DTCC, who's a financial powerhouse in the United States. They settled for over$4 quadrillion. They have$100 trillion in assets. They just ran a live tokenization day with BlackRock, with Vanguard, with JP Morgan, be able to move assets on the blockchain to be able to see the capabilities that they have currently. And everyone who talks about tokenization says that this is exactly how it's going to look.

17:02Austin Haynes:That's not how I like approaching things. Because when the internet first came out, everyone said, this is how it's going to look. but then it completely changes in 20 years. The largest institutions in the world are building on top of this and things are going to be fluid and things are going to be changing. But the more important premise for people to know is that being able to put something on a blockchain can revolutionize everything. But then once you tie AI into it, that changes it completely. Because when you're able to tie AI into it, you're able to move money at the speed of light because an AI agent can't open up a bank account but they can trade in stable coins they can be able to trade and tokenize deposits so ai versus blockchain is blockchain and ai and i think that's i'm happy you brought that up because i think that's a big misconception today now within the industry within a lot of people because all documentation that i read whether it's from jp morgan or city bank or black rock or bank of america or different governments around the world they're talking about integrating blockchain and ai together and that's the real unlock yeah yeah there was uh the ceo of

18:03Daouda Hunter:circle actually put out a whole dissertation i'm glad you just said that about people thinking them as separate entities when they're actually one they're they're the same whereas if we're talking about agent to agent or agent to do the work how will they pay each other and this this is obviously going to be the way it was an interesting article yeah it goes really really in depth and i know

18:26Austin Haynes:i've covered it in eylou so for all you guys who are in eylou now i'm joining eylou and i'll make sure that I cover it again for everyone to be able to properly understand.

18:35Daouda Hunter:All right, let's keep cooking.

18:37Austin Haynes:So, now this is another document from BlackRock or from Mary Frank specifically. He says that we believe that tokenization today may be roughly where the internet was in 1996. It won't replace the existing financial system overnight. Instead, picture a bridge being built from both sides of a river converging in the middle. And this is another misconception point that I wanted to speak about today. Everyone wants to say it's DeFi versus TradFi. Or it's blockchain versus the banks. It's not. They're actually working together. Because if the banks had the technology to be able to do this, to be able to tokenize assets to scale, they would have already done it.

19:11Austin Haynes:They need each other and to be able to grow and to be able to scale. But the more important piece is why did Larry Fink say that we believe that tokenization may be roughly where the Internet was in 1996? Nobody talks about 1996. When people compare blockchain to the Internet, they talk about the dot-com bubble, 1999. But what happened in 1996? We actually got the Telecommunications Act in 1996. Now most people don't really realize that the internet got regulated. This document goes on to say, when Congress passed the Telecommunications Act in 1996, it still provided enough clarity to be able to enable the U.S.

19:47Austin Haynes:to dominate the internet economy when now such giants as Alphabet, Amazon, Apple, and Facebook. Without these regulations, we wouldn't be able to invest in the companies that we have today. In order for institutions to put trillions and trillions of dollars into an asset class, they need rules, they need guardrails, they need frameworks, and they need trust. Without trust, you don't have anything. And currently in the crypto market space, institutions are testing in it. They're having live pilots like they did yesterday with the DTCC on July 15th. But in order for them to have the true unlock, you need regulations.

20:23Austin Haynes:And we've seen this story before. It's not just the Telecommunications Act of 1996 that regulated something to be able to allow immense growth. It was actually known in the Securities Act of 1933. This document goes on to say, without clear regulation, the U.S. regulatory approach over the last decade has distorted markets, stifled innovation, and left consumers exposed to significant harms. Clarity would end this barrier. Like the Securities Act of 1933, which established investor protections and power the century of U.S. capital formation and innovation, clarity creates a once-in-a-generation shift in the U.S.

20:54Austin Haynes:financial regulatory landscape, the kind of shift that creates enormous opportunity. People don't realize the opportunity at hand. People don't realize the scale at hand. Cripples are only$2 trillion asset class. I'm going to touch on that shortly on how that can go to hundreds and hundreds of trillions of dollars. But let's unpack this document. But the Clarity Act is the market structure bill that's currently going through Congress right now. We need that for the industry to grow and to be able to scale how it should.

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23:59Stephanie Del Rosario:Didn't catch the latest Roland Martin Unfiltered podcast? Here's what you missed. And the argument is, do you want to win? If you don't win, you have no power. It's real. Those are the very people who I always say vote against their own economic interests and they complain about the very thing they're receiving. It's raw. I knew that the issue of transgender athletes was not going well with a lot of black men.

24:27Austin Haynes:Roland Martin unfiltered. I went off. I said, this is exactly what I'm talking about. Y 'all gonna scream at Chanel, but you don't want to see a black luxury company in the same vein. Catch Roland Martin's daily commentary on the Black Information Network. 12 seats. Those are moving south. So if you Democrats, you don't wait to 2030.

24:49Stephanie Del Rosario:You better be hitting the ground going hard in the South now. And download Roland Martin Unfiltered on the iHeartRadio app, Apple Podcasts, or wherever you get your podcasts. I am talking to a felon right now with face tattoos, and I cannot decide if I like him or not. That was a caller from my podcast, Therapy Gecko, where I speak with anonymous callers about their problems, relationships, and anything else in the depths of their mind. It all happens on my show, Therapy Gecko, where we have real conversations just like this. Sometimes I'll have my girlfriend pre-chew spicy food and kind of baby bird it into my mouth.

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25:59Austin Haynes:The Securities Act of 1933 actually was something that helped regulate the stock market after the Great Depression. Because after the Great Depression, institutions lost trust. They didn't want to deploy a trillion dollar into something when something tragic could happen. Once the Securities Act of 1933 happened, this has been the growth through it. So this is the 100-year historical chart of the S &P 500. As you can see on the left side of the screen, the Securities Act of 1933 happened to the far left. 100 years is a long time for people, but we're talking about generational wealth here. We're not talking about quick gains overnight.

26:37Austin Haynes:The growth from the 1933 Security Act has been enormous. The growth from the Telecommunications Act in 1996 has been enormous. We're following the same. We're essentially living in the same book. It's just a different chapter. The first book was the Securities Act regulating the stock market. The second book was the Telecommunications Act regulating the Internet. And the next book, the next chapter, is the Clarity Act, regulating the whole entire crypto ecosystem. But why is that important and how does that relate to crypto and to blockchain? Because I know some people want to think that it's still blockchain versus trap fire, but it's not.

27:16Austin Haynes:This document goes on to say, this legal ambiguity has kept the largest pools of institutional capital on the sidelines. Fiduciaries simply cannot allocate to an asset class that might be retroactively classified as illegal. The Clarity Act ends that uncertainty. Institutions don't want to allocate to an industry because as we know, the president can change, Congress can change, things can change, the rules of roads can change, but once something is codified into law, that's the rules of road and that's what we're going to be going with for the foreseeable future. It goes on to say, once the rules are defined, the trillions of dollars in pension funds, endowments, and sovereign wealth that have been waiting for clarity can finally move.

27:57Austin Haynes:Goldman Sachs has explicitly stated that regulation, not price action, is driving the next wave of institutional adoption. The Clarity Act is that regulation. I'll reread that for people who may have missed it. Goldman Sachs has explicitly stated that regulation, not price action, is driving the next wave of institutional adoption. Those aren't my words. Those are Goldman Sachs words. Goldman Sachs is telling you that the unlock is regulation. Larry Fink of BlackRock is telling you that every stock, every asset, every bond will be tokenized. If it's coming from these type of institutional players, we have to be able to listen.

28:32Austin Haynes:We have to be able to follow smart money and not be dumb money. If they're saying that every stock, every bond can be tokenized, then we have to look at the size of the opportunity, which is over$600 trillion. We have to be able to go through history and realize where regulation started in 1933 where we last have regulation for a major asset class in 1996 to where we are today because truth be told ai is not even regulated blockchain and crypto aren't

28:57Daouda Hunter:regulated the true unlock is coming soon so we we circling dates we got 1933 we got 1996 and we're circling 2026 right that that's the release date of the third chapter of this book potentially

29:14Austin Haynes:Hopefully this regulation goes through. Because I'll touch on it on a slide shortly. But the world's not waiting for us. We have been able to lead the rules of the road for the stock market, for the internet. We must lead the rules of the road for blockchain. Because jurisdictions around the world are moving towards regulation before we are. So if we wait any longer, we have a chance to not be number one. This document from Citibank goes on to say, new technology tends to follow a familiar pattern. We overestimate its impact in the short run and underestimate it in the long run, and blockchain should be no different.

29:47Austin Haynes:We have to be able to look at all these technologies at the surface level the same. People are going to say, for example, for AI, it's going to take away jobs. It's going to do X, Y, and Z. That's overestimating in the short run. But people currently are underestimating what it's going to do in the long run, and blockchain, as Citibank just said, is no different. So this is the key takeaways that I want everyone to really take away from today. Regulations are the unlock. But the United States is not the only jurisdiction that's moving towards a regulatory new regime. The European Union, their regulations actually went live July 1 of this year, 2026.

30:28Austin Haynes:We just passed the Genius Act in the United States. And that's actually the final rules of the road for the Genius Act is actually July 18th, 2026, this upcoming weekend after recording. The UK, their full regime for their regulations goes live October 2027. You have Hong Kong issuing licenses of the first of Q1 of 2026. You have South Korea targeting this year as well. You have Japan, who's just moving forward with the regulations as well this year. And in China, they're still doing pilots. As you can see, this is just a common trend from every single country worldwide moving towards this. And something that I want to be able to touch on, I know some people, if you don't know, the GeneStack regulated stable coins.

31:11Austin Haynes:Essentially, what stable coins is just a dollar on the blockchain. One dollar in the real world equals one dollar as a stable coin. And this was able to be passed into law last year. So why did not price move exponentially up into the right with the Genius Act? It's because once the law passes, it still takes 12 to 18 months to write the rules of the road for the Federal Reserve, for the Treasury, for different organizations within the country. The Clarity Act will be no different. Don't expect a massive move to the upside. We may or may not get that. But what I can tell you is once regulations come and once these rules of the road are created, then everything changes.

31:58Austin Haynes:Institutions will have access to be able to put trillions and trillions of dollars into this market class. And the thing that I want to leave you all here with today is the premise of this presentation. Tokenization has the potential to transform one of the largest asset opportunities in the world. But without regulatory clarity, that cannot potentially fully scale. Just like the stock market needed rules and just like the internet needed guardrails, this market needs a framework that allows institutions to participate with confidence. Because too many people expect price to leave the story. But historically, as you've seen with the Securities Act of 1933, with the Telecommunications Act of 1996, infrastructure, regulation, legal clarity, and standards and adoption come first.

32:39Austin Haynes:Markets usually price in what has already been built. They don't price in what people hope happens tomorrow. And when that framework is in place, the story is not just about crypto. It becomes about the trillions and trillions of dollars waiting on the sidelines for the green light. Because this is something that I want everyone to take away as well. If you look, let's say that every institution from BlackRock to JP Morgan to Goldman Sachs all allocate one, two, three percent of capital to crypto. That's trillions and trillions of dollars. And then let's go to Canada. Then let's go to the UK. Then let's go to the EU.

33:12Austin Haynes:Then let's go to China. If every single institution is moving towards this and allocating 1, 2, 3, 4, 5%, that's a lot of capital coming to an industry in the post regulatory world. Pre-regulations won't be post-regulations. You'll see a lot of tokens that aren't compliant just die out. It's going to be exactly like the dot-com bubble. But I like to refer to 1996 and 1933 because we aren't there yet. We aren't there for post-regulations. if you realize 1999-2000 came after the Telecommunications Act. So this chapter is not done. It's not completely written yet. But the thing that everyone has to be able to take away today is how big of enormous of an opportunity that we have at hand.

34:00I definitely implore people to start to study the space,

34:04Austin Haynes:start to look into the space, because if BlackRock and Goldman Sachs and Vanguard was within doing testing yesterday with the DTCC. And as we know that they have historically been against blockchain and crypto. If all these institutions are suddenly now moving towards it, what does that tell you?

34:21Daouda Hunter:Follow the money. So follow the money.

34:24Austin Haynes:No, that was excellent as far as a lot of information, but let me ask you this. This speaks on the belief system of cryptocurrency as a whole and how it's going to change the world and be here to stay. And it's not a fluke and all of these things. Cause other people say all the time like you know it's just a fad or it has no value but there's hundreds of thousands of cryptocurrencies so okay bitcoin is that just the one just focus on bitcoin in your in your opinion and you know or is it bitcoin ethereum is it bitcoin xrp is it solana like that would be the next question that's a perfect um question i'm happy you brought that up no i want to take it back to the first slide with the asset classes I showed.

35:09Austin Haynes:If every asset class is going to be tokenized and put onto the blockchain, it's physically incapable for just one token to be able to handle all of that volume. It's physically, imagine, no, and that's like saying, like, Microsoft will do everything for the internet. There'd be no other companies to survive. So, I'm personally against the Bitcoin only or XRP only or Ethereum only or Solana only narratives. No. Institutions actively state that utility tokens will be the one to dominate the post-argo So I'm personally a believer of being able to once again, follow the money. There's currently crypto ETFs out on the stock exchange right now.

35:44Austin Haynes:And those institutions actively tell you what are the top tokens. If you just look at the ETFs and which ones are within the ETFs, there's your answer right there. Some of the top ones are within the ETFs, Bitcoin, Ethereum, Solana, XRP, Chainlink, Stellar, XLM. And then just to name a few, but me personally, I like to attest to standards. Now, I've spoken about this before. I'm a big believer in ISO 20022 tokens just because of the standards and regulatory compliance that come behind them and the institutional adoption. Now, I'm yesterday for the DTCC, and I keep bringing them up, not because it's a buzzword, but because they quite literally settle$4 quadrillion every single year and manage$100 trillion in assets.

36:27Austin Haynes:And the tokens that they used yesterday within their trial run with Vanguard, with JP Morgan, with BlackRock, Invesco, QQQ. They tokenized S &P 500 yesterday. What's Ondo and Chainlink? These are institutional grade tokens and every single one does something different. Like Chainlink is able to connect different blockchains together. Ondo, you can tokenize equities and real estate on top of it. XRP helps move money faster. Bitcoin is digital gold. Ethereum is like the app store. When you start thinking about it like that we have to take a step back and i know that it's difficult because there's so many tokens but truth be told 99 of them there's actually a bank of america document that says 99 tokens will cease to exist so you have to be able to invest into the tokens that provide utility into tokens that are partnered with the largest institutions in the world

37:16Daouda Hunter:you you talked about price action right that that's not going to move a regulation will but let's go into the the idea of the four-year cycle we had a conversation about it and we noticed something that changed last year can you break that down for us for the people that

37:30Austin Haynes:are following the four-year cycle of bitcoin yes most definitely no i'm so um for those of you guys who aren't familiar with the four-year cycle now historically crypto has moved in four years three down years and one up year so it's red red red thing i mean it's green green green then red so no what does that mean this year is the first last year is the first year where in why I'm a believer that the four-year cycle has been changing, it's not completely over, is because last year was the first year with a third year of the crypto cycle. So year one was green, year two was green, 2025 was actually red year to date.

38:07Austin Haynes:So to me, that shows me that there's a slight deviation within that because historically the third year of the Bitcoin or the crypto cycle has been Bitcoin's most explosive year to the upside. So if Bitcoin year to date was red, then we have to be able to look at this market differently. Now, if we end this year over, I think it's$88 ,750 roughly, where Bitcoin opened up, then the fourth year of the cycle, which has historically been red year to date, would be green. Now, I'm interested in the institutional capital that is coming into this market. I think if regulations can pass through Congress shortly and that's going to change everything or how they regulate, how they allocate money to this industry.

38:53Austin Haynes:And then that's trillions of dollars unlocked coming in. So yes, we have to be able to attest to the four-year cycle. Yes, be aware of it, but just know that things can change. And realistically, it's not a large sample size. What has it been? All the time I had three or four cycles, that's not a large enough sample size to be able to say like that's how something's going to last forever and if it's already changed in the fourth in the fourth cycle what what's it going to look like in the future this could have just been a deviation and we could move forward and the fourth cycle be true every single year it can be something where it's completely changing now but we have to be mindful of it and you said um what is the iso 2022 like what's the iso 222 you know Explain that.

39:40Austin Haynes:20-0-22. So basically, it's a messaging standard between banks. Currently, my TD bank account can't talk to your JPMorgan Chase account. Venmo can't talk to. And it's ironic. PayPal owns Venmo, but they can't send money back and forth to each other. It's basically a messaging standard between countries, between banks, between institutions. So there's some tokens that are ISO 20-0-22 compliant, and it's just a regulatory standard. Now, the token itself isn't compliant, but the messaging standards that they use are compliant to the ISO 20022. So that's a misconception for people. But some tokens that or some companies are compliant or XRP, XLM, HBAR, Chainlink, IOTA, Q &T, Algorand and Cardano.

40:29Austin Haynes:And it's just something that institutions speak about. And it's one of the first things that I noticed when I started reading institutional documentation from the Bank of International Settlements to the Federal Reserve to SWIFT to JP Morgan. They're all adopting this ISO standard. And when you look into it, it's just a messaging system for blockchain. It'll allow for blockchains to communicate to each other, for institutions to be able to communicate to each other. So it's something to definitely keep an eye on. I definitely suggest that people look into it, that people research it, and to be mindful of the adoption cycle.

41:01Austin Haynes:Because if simply put, the Federal Reserve, FedNow system is adopting it. If the DTCC is adopting it, if you have Citibank who's adopting it, JP Morgan who's adopting it, SWIFT who's adopting it, the Bank of the National Settlements who's adopting it, there's just some off the top of my head who's all adopting the standard. So if they're all adopting the same standard, to me, that shows me that they're all moving towards the same way. Is that saying that all those tokens will be the only ones to win? No, because as we know that other tokens are favorites, such as Solana, such as Ethereum, who are institutional favorites.

41:34Austin Haynes:The crypto space is so much bigger than one token and so much bigger than one project. One can't accomplish it all. It's just physically impossible. But we have to be able to be diversified and we have to be able to be smart with diversification. I actually had a conversation with somebody in the last couple of weeks, and they told me that their institutional clients are moving from having eight to ten tokens down to four um so that goes to show what you guys are saying on market mondays lines up perfectly with what people are having their high net worth clients be able to do so you have to be able to research what tokens are um have to provide the most utility which one's the favorite bitcoin should be the staple of your portfolio then if you choose the allocate outside of bitcoin you to be able to choose a utility token to be able to do so that provides value for the dtcc for swift for the federal reserve for jp morgan for blackrock follow where they are putting their money and you'll be able to be successful i love them all right well that was excellent that was excellent okay all right so we got the crypto we got the crypto segment what's next steph we got

42:45Daouda Hunter:we got to get our technicals awesome we appreciate you we'll see you a little bit later on steph we're bringing you up to the stage. Steph, we're bringing you up.

42:53Stephanie Del Rosario:Let's do this.

42:54Daouda Hunter:How you feeling? How you feeling?

42:56Stephanie Del Rosario:Great. I'm really excited to share some stuff with you guys.

42:58Daouda Hunter:Yeah. I saw you writing down your notes, man. I also be going crazy, right?

43:02Stephanie Del Rosario:I know. I'm like, no, wait a minute. I also just, okay. I got to get it together here.

43:06Daouda Hunter:I'm bringing your presentation up. Steph, the floor is yours. Let's do this.

43:11Stephanie Del Rosario:Thank you so much. Well, guys, I really wanted to share tonight because I know that the presentation is called How to Invest. And the How to Invest, There's so many points and we're going to talk a little bit tonight. I'm going to give you guys a few pointers. I know the Huda is as well. But one of the things that before learning on actually how to invest in, if you guys don't mind, I'm going to pull up this chart for just a minute so we can talk about it.

43:31Austin Haynes:Let's do it.

43:32Stephanie Del Rosario:So for me, before learning on actually how to invest, I needed to learn of the importance of staying invested because I was hearing about, OK, I need to open a brokerage account or what I need to start investing into. But I shared at InvestFest last year that for me, I was a teenage mom. I went through some serious financial trauma, like literally being pregnant and living in your car. It doesn't make you want to trust your money to anybody. And I'm from immigrant parents. You know, my parents met in New York and they made a beautiful life and they worked really hard. I saw them work really hard.

44:03Stephanie Del Rosario:I saw them work harder than anybody I had ever seen. But I also am watching them in retirement with little to show for that. So I knew that as I've aged and I was in the same industry as them, I said, OK, Steph, You're going to have to do something different. And even though I was afraid of investing into the market and staying consistently invested, because that was one of my biggest issues, I would invest. But something would happen like what happened in 2020 with COVID. And I'd be like, OK, I can't. You know, it's too scary. I would invest. And then in 2022, everything would happen with Russia and the invasion of Ukraine.

44:34Stephanie Del Rosario:Each of these blue dots on this chart resembles something that happened in the financial market that caused some major pullback. But what I learned through the study of this chart and just learning technical analysis through all these years is that my biggest fear should not be any of these red candles on this chart. My biggest fear should be to not be participating in this uptrend. Because even though we've had pullbacks into, and if you'll notice, I added here for people that are into technical analysis, there's a green line here, and it's called a moving average. This moving average actually represents 50 months of price action.

45:08Stephanie Del Rosario:So it's a 50-month moving average. So every time we've pulled into that average where those blue dots are at, if you'll look, it's historically been one of the best places to buy into the market. And I suggest that even long-term investors, if you're not comfortable with technical analysis, this is just one EMA to add into your chart. These major events that have happened in our financial markets, they've been held by support. And if you look at this chart, this is the last decade. So Austin showed us the last 100 years how the S &P 500 has been in this uptrend. but this is just the last decade.

45:39Stephanie Del Rosario:Quick one before you jump back in. You're listening for ways to help teams move faster, make sharper decisions, and turn scattered context into work they can use. ChatGPT for Business can help. ChatGPT for Business gives teams a shared workspace with admin controls, permissions, and access to work and codecs in ChatGPT. This means your business can move from question to answer and code to rollout quicker. Join over 10 million business and enterprise users worldwide already using ChatGPT for work. Download the ChatGPT desktop app or contact sales to learn more.

46:15Daouda Hunter:Earners, what's up? Look, on Earn Your Leisure, we're all about smart money moves, and here's one that most people skip. Car insurance renews on autopilot, the rates creep up, and nobody tells you. That's what Insurify fixes. In about two minutes, completely free, you can see rates from more than 120 top insurance companies. And if there's nothing better today, they keep watching and notify you when there's a better rate. So go to Insurify.com. That's I-N-S-U-R-I-F-Y.com. Insurify.com.

46:44Stephanie Del Rosario:Didn't catch the latest Roland Martin Unfiltered podcast? Here's what you missed. And the argument is, do you want to win? If you don't win, you have no power. It's real. Those are the very people who I always say vote against their own economic interests and they complained about the very thing they were seeing. It's raw. I knew that the issue of transgender athletes

47:09Austin Haynes:was not going well with a lot of black men.

47:13Daouda Hunter:Roland Martin unfiltered.

47:14Austin Haynes:I went off, I said, this is exactly what I'm talking about. Y 'all gonna scream at Chanel, but you don't want to see a black luxury company in the same vein. Catch Roland Martin's daily commentary on the Black Information Network. 12 seats, those are moving south. So if you Democrats, you don't wait to 2030.

47:35Stephanie Del Rosario:You better be hitting the ground going hard in the south now. And download Roland Martin Unfiltered on the iHeartRadio app, Apple Podcasts,

47:43Austin Haynes:or wherever you get your podcasts.

47:45Stephanie Del Rosario:I am talking to a felon right now with face tattoos, and I cannot decide if I like him or not. That was a caller from my podcast, Therapy Gecko, where I speak with anonymous callers about their problems, relationships, and anything else in the depths of their mind. It all happens on my show, Therapy Gecko, where we have real conversations just like this. Sometimes I'll have my girlfriend pre-chew spicy food and kind of baby bird it into my mouth. Is that weird? This week is Human Connection Week. We're taking a peek into the lives of various strangers who found my phone number online. We'll hear their funny moments, their difficult ones, and their unexpectedly profound ones.

48:28Stephanie Del Rosario:These are real conversations with real people figuring out life one call at a time. So if you're trying to get out of your own head and into someone else's, this is the podcast for you. Listen to Therapy Gecko on the iHeartRadio app, Apple Podcasts, or wherever you get your podcasts. That call was really pivotal for me. Hey, it's Emily Tisch-Sussman. And this season on She Pivots, the podcast where women share bold career moves and personal turning points that changed everything. I sit down with culture-shifting women who share their pivots, like Paralympian Allie Truitt. I was like, I'm a month out from a shark attack.

49:04Stephanie Del Rosario:There's no way in 11 months I'm making the Paralympics. Advocate Elizabeth Smart. I still feel that drive that I can still make a difference, so I'm going to keep going. Celebrity chef Carla Hall. Was that scary to walk away from such a stable career after just two years? No, I was more afraid of being unhappy than I was broke in a dead end job that I didn't enjoy. And feminist legend Gloria Steinem.

49:28Austin Haynes:All of us were trying to express women's real lives. We need a meeting place of our own.

49:35Stephanie Del Rosario:And if I can contribute to that, I'd like to maintain that and leave this house for that purpose. Listen to She Pivots on the iHeartRadio app, Apple Podcasts, or wherever you get your podcasts.

50:10Stephanie Del Rosario:afraid that they missed their chance. They think that they need a lot of money. They think that investing is only for rich people. That was something I thought. I thought I needed to bring so much money into the market to actually make money. But going back to the story with my parents, I knew that I was going to have to do something different because my parents worked really hard, right? And I saw them truly try to save their money. But what happened? Their health declined, bills added up. They had a lot of liabilities that were eating at their capital, timeshares, ridiculous things that looking back now, I wish that even I had the education to kind of help them with.

50:43Stephanie Del Rosario:And then even me, I had to like now as I age, like, okay, Steph, what are you going to do different? And so I remember at the time I was talking to someone for me to get a life insurance plan because I knew at least that like, all right, Steph, you got kids, like, God forbid something happens to you. What happens to them? So I was like, all right, I need to get a life insurance plan. And she, and I was talking to her about my stress. I'm like, I don't have money to save for retirement. Like, I've been a contractor my whole life. How do I even start? And she's like, well, have you ever tried to calculate your freedom number, your financial independence number?

51:17Stephanie Del Rosario:And that number was actually, if you guys have ever heard of the FIRE community, they came up with this number where financial planners use often, and I'm sure maybe, Rashad, I'm sure you're familiar with it, but where financial planners often use what's called the 4 % rule as a starting point. And it's basically a guideline that says that a diversified portfolio has historically been able to support withdrawing about 4 % of its starting value annually. And that's with inflation adjustments. So she basically, so she was like, well, Steph, you know, what is your annual, like your annual lifestyle?

51:50Stephanie Del Rosario:What is that expense number for you? And at that age for me, it was around a hundred thousand dollars a year. So when she told me, she was like, well, then your financial freedom number is around 2.5 million. And I looked at her and I said, that's not going to happen. I don't have 2.5 million dollars to be free, you know? And that's what she introduced this rule to me, which is the rule of 72. And so the rule of 72, she taught me that it estimates how long it takes our investment to double. And so if we go back to that chart with SPY, right? And we talk about how analysts mentioned that SPY has averaged an annual return rate of 8 % to 10 % for the last 30 years.

52:27Stephanie Del Rosario:Just that vehicle, investing into that vehicle would offer us about an 8 % return if we're conservative, that means that our money would double every nine years. So the most powerful variable in the equation with all of this has been time, you know? And so she shared with me that, you know, if I had started, if I had about$300 ,000 to start just and not ever touching it ever again, letting that compound growth and that with an approximate annual return rate of around 8 % that I would have that$2.54 million in 27 years without ever touching it again. That's without any extra contributions. So when I learned that, I said, all right, so my goal is not to get a job that's going to pay me the$100 ,000 a year that I need or more.

53:14Stephanie Del Rosario:Yes, that's a great goal to have. And I'm not saying don't, but what I'm saying is the goal should really be to have enough assets that gets you to that number where you're free from having to work that job one day. And, you know, I was hesitant because I'm like, who's going to come up? Because this is so here's a chart of basically the longer you wait of how much more money you need to invest to get there. And so me at that time, I was around 37 years old. So her sharing with me, she's like, well, you're going to have to invest around twenty three hundred dollars a month to get you to that goal of around two point five by retirement.

53:48Stephanie Del Rosario:And, you know, at that time, it felt very lofty to me to be able to actually invest two thousand dollars a month. But the longer I waited, that number just grew. Right. And so now I try to teach everybody as much as much as I can, like get your kids invested. And a lot of people tell me that their kids cannot, you know, like, well, which one of what 21 year old do you know can, you know, put four hundred dollars into the market? And I get that. But I also know it's a lot of 21 year olds with car loans, you know, and with the way the interest rates are now, they're paying, you know, a nine percent interest rate on a car loan.

54:17Stephanie Del Rosario:they're paying probably a lot more than even the$400. So the earlier we can convince people in our community that they need to start investing, we'll see more people that look like us start to generate wealth. It's the same destination with all of these different ages. But the difference is that the monthly investment amount that was required started to increase the older they got. So the cost of waiting is real. Quick one before you jump back in. You're listening for ways to help teams move faster, make sharper decisions, and turn scattered context into work they can use. ChatGPT for Business can help.

54:51Stephanie Del Rosario:ChatGPT for Business gives teams a shared workspace with admin controls, permissions, and access to work and codecs in ChatGPT. This means your business can move from question to answer and code to rollout quicker. Join over 10 million business and enterprise users worldwide already using ChatGPT for Work. Download the ChatGPT desktop app or contact sales to learn more.

55:16Daouda Hunter:Earners, what's up? Look, on Earn Your Leisure, we're all about smart money moves. And here's one that most people skip. Car insurance renews on autopilot, the rates creep up, and nobody tells you. That's what Insurify fixes. In about two minutes, completely free, you can see rates from more than 120 top insurance companies. And if there's nothing better today, they keep watching and notify you when there's a better rate. So go to Insurify.com. That's I-N-S-U-R-I-F-Y dot com. Insurify.com.

55:46Stephanie Del Rosario:Didn't catch the latest Roland Martin Unfiltered podcast? Here's what you missed. And the argument is, do you want to win? If you don't win, you have no power. It's real. Those are the very people who I always say vote against their own economic interests, and they complain about the very thing they're receiving. It's raw. I knew that the issue of transgender athletes was not going well with a lot of black men.

56:14Austin Haynes:Roland Martin unfiltered. I went off. I said, this is exactly what I'm talking about. Y 'all gonna scream at Chanel, but you don't want to see a black luxury company in the same vein. Catch Roland Martin's daily commentary on the Black Information Network. 12 seats. Those are moving south. So if you Democrats, you don't wait to 2030.

56:36Stephanie Del Rosario:You better be hitting the ground going hard in the South now. And download Roland Martin Unfiltered on the iHeartRadio app, Apple Podcasts, or wherever you get your podcasts. I am talking to a felon right now with face tattoos, and I cannot decide if I like him or not. That was a caller from my podcast, Therapy Gecko, where I speak with anonymous callers about their problems, relationships, and anything else in the depths of their mind. It all happens on my show, Therapy Gecko, where we have real conversations just like this. Sometimes I'll have my girlfriend pre-chew spicy food and kind of baby bird it into my mouth.

57:16Stephanie Del Rosario:Is that weird? This week is Human Connection Week. We're taking a peek into the lives of various strangers who found my phone number online. We'll hear their funny moments, their difficult ones, and their unexpectedly profound ones. These are real conversations with real people figuring out life one call at a time. So if you're trying to get out of your own head and into someone else's, this is the podcast for you. Listen to Therapy Gecko on the iHeartRadio app, Apple Podcasts, or wherever you get your podcasts. That call was really pivotal for me. Hey, it's Emily Tisch-Sussman. And this season on She Pivots, the podcast where women share bold career moves and personal turning points that changed everything.

57:58Stephanie Del Rosario:I sit down with culture-shifting women who share their pivots, like Paralympian Allie Truitt. I was like, I'm a month out from a shark attack. There's no way in 11 months I'm making the Paralympics. Advocate Elizabeth Smart. I still feel that drive that I can still make a difference. So I'm going to keep going. Celebrity chef Carla Hall. Was that scary to walk away from such a stable career after just two years? No, I was more afraid of being unhappy than I was broke in a dead end job that I didn't enjoy. And feminist legend Gloria Steinem.

58:29Austin Haynes:All of us were trying to express women's real lives. We need a meeting place of our own. And if I can contribute to that, I'd like to maintain that and leave this house for that purpose.

58:41Stephanie Del Rosario:Listen to She Pivots on the iHeartRadio app, Apple Podcasts, or wherever you get your podcasts.

59:11Stephanie Del Rosario:impact and underestimate long-term impact. And I think that that's the same mentality for the mindset. So many people underestimate what the market can do long-term and they're not able to take advantage of those compounding effects. And in reality, I've learned that volatility really isn't the enemy, it's quitting. And some ways that people can start just to really keep it simple, because I think that keeping it simple is very important when you're first beginning, because you'll make a lot of excuses to start a new habit that you're not familiar with, right? So just keeping it simple and opening an account.

59:40Stephanie Del Rosario:The Hootah is going to share with us some things that we can actually buy into those accounts that will give us exposure. But to me, the most important part of this slide is to automate it. Because like I said, if you leave it up to an emotional decision, you probably won't do it. Even after I found out my number and that it would continue to grow, the longer it took me to invest, I still didn't do it. It took me a discipline. And finally, when I really understood Spice Chart and that the S &P 500 is rigged to go up, like we hear all the time in Market Mondays, then it was finally a decision where I was like, Steph, you're going to have to find a way to do this.

1:00:10Stephanie Del Rosario:And I understand many people can't invest that much. But when you start to actually build the discipline, you know, I tell my homegirls all the time, like, there's no way I can see one of my homegirls going around with plastic on her fingers. And she has not invested into her long-term account. Like, it comes down to priorities for, you know, for us. Like we have to start to prioritize our future selves, our retirement, taking care of ourselves in especially as we age, because growing up and now that I'm older and like really having to plan for my parents, that puts some pressure on my household, too.

1:00:39Stephanie Del Rosario:You know, like that makes it where like I have to work harder than maybe I expected to or invest more aggressively than I expected to because I have more responsibilities. So when we can automate our investments, we take the guessing out of it. We actually allow that wealth to be created in our communities automatically rather than it be an emotional decision that already most of us aren't a lot of us aren't making. And I always tell people that your participation in the market is going to beat the perfection because it's you're going to wait for the perfect stock. Every single stock will have a rate for a day.

1:01:10Stephanie Del Rosario:Matter of fact, when you learn technical analysis, most of what you learn is that when stocks are only going in one direction, be careful because the pullback will be steep. Right. So it's to me, it's more important for you to stay. Well, not for me. In general, what data has shown is that it's more important to stay invested. Right. And then trying to find the exact perfect alternative. I'm not saying don't be smart about what you invest in.

1:01:35Daouda Hunter:Steph, Steph, you got to do me a favor.

1:01:38Stephanie Del Rosario:Yeah.

1:01:38Daouda Hunter:You got to tell them our relationship with Micron. Yeah, we've been in this company. I know everybody's talking about it now, but we were here in 2024. we had a class on it tell them this love hate that we had with micron and amd and how sometimes just being convicted in the position using some of those technicals and maybe you can talk about which ones you're using can help change how you view the market for sure you know with micron when

1:02:07Stephanie Del Rosario:we first when you brought it into your class it was like around 112 and it dropped to i think almost like around 80 not long after that and there that's where everybody's like wrapping it up. Like this is a scam. Right. And my friend had actually, all had done was pull back into an area of support. And after signing support around$80, I mean, where are we at now? You know, like crazy. So for me, one of the things that I love to use, and I kind of how I showed at the beginning of the presentation, I like to get a macro perspective first, show me what's going on in the bigger picture. Right. Because a lot of times people have like a short term, they're looking at hourly candles, four hour candles on these charts, but you're just looking at what's going on inside of a huger timeframe.

1:02:47Stephanie Del Rosario:There sometimes is like a downtrend, but if the broader trend is up, it's dangerous to be shorting. You know, when the broader trend, if a broader trend is continuing to make higher highs and higher lows, which unfortunately I don't have a chart. We could definitely pull one up though, but if the broader trend, so we'll go back to SPY real quick, because here we go. So SPY is a great example of this, right? Because SPY here, this chart basically is showing us where we're creating higher highs and higher lows. Every higher low had pulled back into that 50 EMA, 50 month moving average. And we created to create, we put, we would bounce, create a higher high and a higher low.

1:03:21Stephanie Del Rosario:That's just market structure, right? And the more you get people, investors get comfortable with that, you'll get more comfortable actually investing your money. But when you're unfamiliar, it's like taking a shot and not seeing what's going on in the court. When you're unfamiliar with what's going on, it can be harder. But when the broader trend is up, you know, yeah, take your, take your entry on the pullback, but just know that you're riding a train that, you know, historically has, has found a way to, um, to go higher. Amen. But so my last slide, and I really wanted to share this because of kind of like stories like Micron.

1:03:57Stephanie Del Rosario:In our community, one of the things we're targeted more than so many other communities were targeted with sports gambling. We're targeted with casinos, with betting. We're targeted with lottery tickets. But that's on purpose. Right. And even with trading, so many rules have recently changed. That's making it more where people want to take more risk in becoming traders. But I challenge people to really consistently invest for at least one year before they begin trading. Myself, I started trading. I remember when I started trading, I remember trying to short Meta and Meta was trading at around$90.

1:04:32Stephanie Del Rosario:What was I doing shorting Meta? I should have been buying as much Meta as I could. Meta is at$670 today. So I lost a lot of money trying to trade. And I learned when I started actually getting serious and listening to Market Mondays and really get serious about building my long term portfolio, I started to mature as a trader. There's some trades I was just not willing to take. Those ODTE trades, as appetizing as it can be to flip your account real quick, there's volatility that comes with that. So I'm not saying don't do it. I'm just saying do it in the right order first, because that way you're trading from a place that's of responsibility that you already have something generating you wealth and you can come to the market with a clean conscience.

1:05:10Stephanie Del Rosario:But I think the most important part of this whole presentation is just participation is what I'll tell people. I know it can be scary, especially when you've lived through scarcity and not knowing where your next dollar is going to come from. I know that feeling. But I also know the feeling of being on the other side and older and wishing I had started way sooner. And also seeing now that there's a need on me from parents that decided to not invest. So I recommend that people get to know the market, familiarize yourself. It can seem difficult, but the more time you spend in front of the market and understanding what each of these pullbacks meant, understanding what I mean when I say that we've pulled into the 50 EMA here for the last decade and it's been major support and that we continue to bounce, then it helps you to determine for yourself.

1:05:52Stephanie Del Rosario:You know, where's the best place for me to for my best risk to reward? Where's the best place for me to deploy my capital? How much money should I be deploying at a certain time? It helps when you understand the technicals.

1:06:04Daouda Hunter:It's vitally important. And you alluded to it, but I wanted to know the exact moment when you realized that the day trading aspect of it was just eating you up and realizing that time was the most valuable asset. When did that moment happen for you?

1:06:21Stephanie Del Rosario:Sure. So I think it was when I don't know if you remember a few years ago, you had an options class with Ian.

1:06:27Daouda Hunter:Yeah, yeah, yeah.

1:06:28Stephanie Del Rosario:And so he had actually pulled up a sheet and he was showing us how to evaluate a company and its profit margins. And when he was going throughout evaluation process, that's when it started to click for me, like, Steph, like, what are you doing? Like, when that term that we hear, you have to let your money work for you, that's what that means. Investing into companies that they're working harder than I am, right? I'm just trying to ride the wave with them. And that's when I realized, like, and a big tool for me that helped me was Robinhood has a watch list on it. And so for me, I would add positions that maybe to me at that time were too expensive and that I couldn't afford.

1:07:07Stephanie Del Rosario:Right. So I would go really close to the money and as much time as I could add. And I would see I there was one an earner took a trade with ASML and we took the same trade. He took a trade. The time we took the investment, he took a 2027 contract. So this was at the end of 2025. We took ASML around six hundred and eighty dollars. I got into the 2026 contract. When he bought that contract, it was worth$12 ,000. I have it in my watch list still to this day. It's up 900%. And each of those contracts is worth$126 ,000. Those are the moments when I learned to what the hell am I doing? You know, that's when I really decided to take this serious.

1:07:46Stephanie Del Rosario:There's a way to do this that you can really make money. But if you're going to constantly try to gamble, it's going to come with its losses as well. that's valuable lesson yeah you're valuable i think my asml contract for 2027

1:08:01Daouda Hunter:yikes my last thing would be your favorite moving averages that you use some of the indicators that you use so somebody that's listening is trying to figure out what they should put what what would

1:08:14Stephanie Del Rosario:you say first of all that's a great question so first you got to zoom out when you look at a chart don't just pull up an hourly chart. Like I said, you're looking at just what's happening on a lower timeframe. Go to your macro perspective, go to the monthly timeframe. A lot of what I've studied and my research has shown me that institutions are not trading off a 15 minute candle. They're looking at, they're going off those higher timeframe. So when you look at a monthly or a weekly chart, those give you more guidance as to what's happening rather than that short term noise. So when I pull up that macro timeframe, I'm looking for trends.

1:08:44Stephanie Del Rosario:That's my favorite, My favorite indicator is actually trend lines because it shows us how price has trend, right? The trend of price. After I've added an EMA to my chart, I have to add levels of support and resistance. What is support and resistance? It's literally just price where you can see where prices reach the ceiling. So if you look at currently, we can talk about DRAM. DRAM reached about$80. That was a ceiling. It was major resistance. We pulled back, right? We've pulled back, though, into that$50 area. It's a major area of support. We see it's kind of bouncing. But when you take those levels of support and resistance from a higher time frame, then you can calculate how the lower time frame reacts to those levels.

1:09:22Stephanie Del Rosario:But first, the levels come from a higher time frame. They take more time to make. That's why they're stronger levels. It's not like an hourly candle takes an hour to make. A monthly candle takes months to make. There's a lot of data from those candles. After you have on there where you have your support and resistance, you have your trend lines. You know, I know EMAs, a lot of people use different EMAs. for me, my favorites, the 50 and the 72 EMA, I think we're great together. I got the 72 from Ian, but after I've noticed that when we lose the 50 EMA, we'll usually find support around the 72 EMA.

1:09:51Stephanie Del Rosario:And if we lose that, we're usually going to the 200. So after that, I'll use backup with the 200 and the 400. Yeah. I usually go for the, because what I've noticed, so just, this is just data. This is collecting data. When you look at the charts and you're doing technical analysis, you're really just collecting data. And so from what I've noticed, and we can go back in the charts and you can look at them. Typically, when we lose a 72 EMA, we usually make our way down to around the 200 EMA. And that goes to trading rules, right? Because if you read books like Fred McAllen, Charting and Technical Analysis, one of the trading rules is when we lose the 50 EMA, we usually drop to the 200.

1:10:25Stephanie Del Rosario:Same with like, if you lose the nine EMA, you usually drop to around the 21. That's how people use EMAs for support and resistance around those rules.

1:10:33Daouda Hunter:I'm glad you said DRAM because they keep saying, why y 'all keep saying drama on TV? I'm like, because that's how they're going to read it, man. That's how they're going to read it. Right.

1:10:42Stephanie Del Rosario:And Ram.

1:10:45Austin Haynes:Well, thank you. That was great, great, great insight. So now we got our last hit at that. We're going to bring the Hooter up.

1:10:55Daouda Hunter:Appreciate you, Steph.

1:10:57Stephanie Del Rosario:Thank you so much. All right.

1:10:59Daouda Hunter:Let's get him up there. Let's get him up there. There he is. What's up, my guy? What's up? What's up? Yo, I got to top all of that. No pressure. There's a lot of gems right there, yo.

1:11:08Austin Haynes:no pressure there's no pressure no pressure i close the show no but i think that both often is stuff phenomenal job um and i'm glad like they touched on a few points that is a perfect segue into my presentation because we're talking about you know emotional discipline we're talking about consistency we're talking about being a long-term investor what does that look like right so for me for those of you those who don't know my background my background comes from nursing And when it comes to healthcare, when it comes to developing care plans, nurses take a holistic approach, right? So what does that mean?

1:11:42Austin Haynes:You may be at, what is a holistic approach? So as a nurse, you're looking at a patient. You're looking at their patient history. You're looking at their family history, psychological history, surgical history. You're doing your head-to-toe assessment. What's the purpose of that? Like Steph said, you're getting a macro picture. You're getting a full picture of what's going on with this patient to be able to go about your care plan. I've used that same framework when it comes to investing, right? You got to look at the big picture. So I said this last year at InvestFest as well. It's like fundamentals is going to tell you what to buy.

1:12:11Austin Haynes:Steph just talked about the technicals. Technical is going to tell you when. And then the other part of it is your research, staying up to date with what's changing within a company. How do we do that? Well, I'm going to dive into that. First things first is that you often hear people talk about being diversified when you're investing. Right. We just talked about that. Here are some of the four most widely used ETFs. We have SPYM for those who aren't familiar with that. They have the same exact holdings as SPY. I personally invest in SPYM mainly because the expense ratio is cheaper and that's more attractive for a long-term investor.

1:12:42Austin Haynes:Then you also have VOO that also attracts the S &P 500. Then you have VTI, which accounts for the total market. About 82 % of the S &P 500 is baked into the VTI. The rest of VTI accounts for small cap and mid cap exposure. Then we have QQQ. That's the technology sector. NASDAQ 100. they actually hold the same mega caps that you see in some of those ETFs minus the financials. And so as we know, diversification means multiple incomes, multiple streams of income from different areas, right? That doesn't mean, and this is one of the biggest mistakes I made as an investor, that doesn't mean multiple different ticker symbols in your portfolio.

1:13:24Austin Haynes:Because I've had a few people come up to me and have all four ETFs inside the portfolio. And as we can see here, for this chart, obviously SPYM and VOO have a one-to-one correlation because they're both tracking the same index. VTI slightly dips below that because like we said, it accounts for 82 % of it, but the other is mid cap and small cap. And then QQQ is strictly just the technicals. Ironically, the technicals are also the same mega caps that are in those other ETFs, right? So essentially having all of those in the same portfolio, you're doubling down. You're almost doubling down on the same bet.

1:13:56Austin Haynes:That's not true diversification. I'm not a financial advisor, about that is not something I would advise. So going further on into the research of long-term investing, right? I like to say profit is in the research, right? Before I put money into anything, I'm always going to answer these three questions, right? Is it a strong business that's looking at the fundamentals? Is the price attractive looking at the technicals? This third question, I think, goes over a lot of people's head, and that's what could prove me wrong. That's accounting for risk. That's accounting for that downside risk that we often see.

1:14:27Austin Haynes:We just saw on the chart that Steph show we see s p 500 go up it comes down goes up come down are we accounting for those pullbacks that's the question we need to ask during the research not after the fact right so we're going

1:14:39Daouda Hunter:to dive deeper in it what am i looking at real quick because this is a good question now right yeah how do i know it's a strong business what what are the things that you're looking at from a fundamental standpoint and i could imagine a few but what are the things that you're looking at to say all right check mark this is strong perfect so you said the next part so when we

1:14:56Austin Haynes:comes to the fundamentals. What am I buying? So I'm paying attention to the revenue trajectory. I want to highlight trajectory because a lot of times people hear a report and they hear the revenue and they're like, all right, that's a great stock. I like to see the trend. Has the revenue been consistently increasing or has it been decreasing? Has it been volatile one year up next year down? If I see one year up, another year down, that's showing a lot of instability. I don't like that. Next thing I'm looking at is the profit margins, your operating margins. What does that trend look like? Are those improving?

1:15:28Austin Haynes:Is the business growing organically or inorganically? That's very important to pay attention to, too. The debt and the cash on the balance sheet. Is this company financially healthy? Do they have enough cash to take care of their debt? That's very important. Right. Right. So those are not the only three, but I think those are three crucial fundamental points that I do pay attention to when I'm just looking at a company to decide if it's a strong company or a weak company. And that helps you decide, is this a strong business or a popular stock? I mean, recently we just had a popular stock IPO. Look at it.

1:16:01Austin Haynes:Look what happened. Right. And then when we go to the technical aspect of things now, like Steph mentioned, we're talking about the support and resistance. And that can look very different for different things. So like the 52 week high. that can that can serve as an area of resistance because the stock may have gotten to that point and it hasn't gotten past it since then the 52 week low that can serve as an area of support too and then moving averages um as we just mentioned studying charts is very vital putting those reps in is very vital to identify those support areas because certain stocks behave a certain way against certain moving averages so as the more reps you put in the more your eyes will be keen to picking up on that.

1:16:43Austin Haynes:And then one of the other things that I pay attention to with the technicals is the volume, right? So I've done the research already, right? Strong fundamentals, profit margins, good, taking care of their debt, financially healthy. It's coming back, the quality stock has come down to their support level. The last piece that I'm also paying attention to is the volume. Because a quality company coming down to an area of support on weak volume is not the same as a quality company pulling back to an area of support with stronger volume than it has recently had on a strong green candle. Support can fall through.

1:17:18Austin Haynes:That's where the volume aspect comes in and provides that conviction as an investor. Once you see that conviction, that volume that's significantly higher, it's like, okay, the buyers are able to hold this position. This may be a good area. And so we just talked about the fundamentals. We talked about the technicals. and now we're diving deeper into the research, right? And we talked about how y 'all recently had the episode with Alicia Little using AI. I like using AI without outsourcing your thinking. And I wanna repeat the aspect of without outsourcing your thinking because a lot of times people may use AI just to get an answer.

1:17:54Austin Haynes:AI is not gonna tell me what to buy. AI is not gonna tell me when to buy. But when I'm using AI, what it can do if I'm using the right resources, it'll tell me like, hey, you missed this key information on this page or you missed a key highlight from this earnings report. So I'm going to walk you guys through a typical workflow that I like to use when I'm going over an earnings call. So say we have TSM, NVIDIA, any of those companies are reporting. I've listened to their earnings call. Their earnings call lasts typically about an hour, right? Even if I don't catch it, that's cool. I'll catch the YouTube link or that transcript and I'll plug it into an AI model.

1:18:26Austin Haynes:I typically use Notebook LM and Ulearn. I have some good brothers who put me onto those AI models and they've worked phenomenal for me. I had no issues with that. But once once you put that resource into the AI model, you want to ask specific questions. This is when you are still using your own critical thinking. Right. So two prompts I like to use. What did management say about the future demand? Is the demand for this company? Is it continue to is it continuing to go up or has there been a decrease in that? Did guidance change from the last quarter and how those type of questions affect stock prices, affect investor sentiment on a stock or an ETF?

1:19:03Austin Haynes:So when we're looking at that, when we pay attention to earnings hold, what you often see and what we've seen throughout this year so far, a company may be top and bottom. And then a couple of hours later in the after hours, we see the stock drop. A lot of times it's because the guidance wasn't what they expected or they fell short of the guidance that was reported in the previous quarter. So that's the reason why I add that as a prompt into my questions. Once I gather that information, the last piece to bring everything all together, I'm paying attention to a primary resource, and that's typically is their 10Q.

1:19:36Austin Haynes:And so the 10Q is a consolidated quarterly report that companies have to put out each quarter. That's going to confirm any data points that I may have heard in the earnings call that I may have picked it from the AI model. And I put that all together just to verify. Because, again, we just talked about regulations. regulations. AI doesn't, they're not, they don't have complete regulations. In fact, there's no comprehensive federal AI regulation. Each state has, are starting to develop their own regulations around AI and AI can hallucinate. So you always want to make sure you're putting in a primary source to get accurate information out of it.

1:20:13Austin Haynes:So I told you three questions before as a part of the checklist. And I left out one mainly because it doesn't have to deal so much on the stock or sector or whatever it has to do with you. So we talked about the business. Is it a strong company? Fundamentals. We talked about price, looking at the technicals. We talked about risk. What can make my thesis wrong? The last piece of that is the decision. And a lot of that has to deal with your mental capacity. A lot of it has to deal with your discipline. Can I hold this company if it drops 20, 30, 40, 50 %? Am I going to be encouraged to actually buy more when it does drop that amount?

1:20:54Austin Haynes:I think a lot of people, especially beginners, miss that aspect and make that at the end when there's fear in the market. It's better to have that decision known while you're doing the research before you make that investment so you know how to act when the market does pull back. Because it's not a matter of if the market's going to pull back. is really when, right? So I added that in there to say that although this is a framework, it doesn't mean that this checklist is going to mean I'm always right. But what it's going to do is going to keep me consistent. And I never met a successful investor that wasn't disciplined and wasn't consistent.

1:21:33Austin Haynes:That's how you get rewarded as a long-term investor. And so I wanted to bring this all back to the fact that I heard a billionaire recently say this. I'm going to paraphrase it because I don't want to butcher what he said, but investing is definitely going to challenge your confidence at some point. He said that investing constantly makes you feel less smart. And it's happened to all of us. It's happened to me. You can do all the research in the world. You can make a sound decision and it could still go against you. The goal isn't to completely eliminate uncertainty. I personally believe you cannot 100 % eliminate uncertainty.

1:22:06Austin Haynes:That's not in your control. But what is in your control is your ability to control your emotions when the market moves one direction or another, right? We think about professions like a pilot. We think about surgeons. They follow a checklist. No matter how many times that pilot has flown a plane, no matter how many surgeries that surgeon has completed, there's still a checklist that they are abiding by and following each and every time. That is what makes that procedure easier versus someone who goes in without having a framework, no checklist to go off of. That leads to a lot of possible errors.

1:22:41Austin Haynes:So you want to make sure you mitigate those risks. That's what that framework is there for. So I wanted to open up a question to everybody here, actually, and say, what is your thoughts on investing? A lot of people say investing is hard. What are your thoughts on it? I personally believe as you have a framework, investing isn't that hard.

1:22:58Daouda Hunter:I'm with you. I'm with you. I'm on the record of saying that investing is easy it's just not simple right because if you have the the framework if you have those thresholds if you have the metrics before you enter any position then you feel confident in what you what you're doing i'm glad you said that it will challenge your confidence there have been times when your confidence is going to be challenged how you respond will will be the determined factor of what type of investor you are and i think before anybody does anything, they should figure out what type of investor they are, right? Like, are they going to be moderate?

1:23:34Daouda Hunter:Are they going to be a day trader? Are they going to be a swing trader? Are they going to be a long-term leaps? Are they just going to be a long-term buy and hold? Those are questions that you got to answer before, because if you start doing things out of your wheelbarrow, if you start doing things out of your emotional discipline in terms of investing, yeah, it could get bad very quickly. Confidence can weigh very quickly and then you're out of it and you're never coming back so i'm glad that emotional piece is very important yeah what you got no i mean

1:24:05Austin Haynes:you summed it up you know as far as really knowing what kind of personality you have what your goals are but i like you know you brought out the voo vti qqq and that a lot of times it can even be simple honestly it depends i think it gets a little bit more complicated depending on the higher amount of returns or how much risk you want, but it can really be easy and simple. If you just put your money in the S &P 500, you can't get easier or simpler than that, right? But then it's like, okay, well, I'm only going to get 12%. Well, that's a decision that you made. So now, yeah, now it gets a little bit more hard and complicated, but long story short, there's a pocket for everybody.

1:24:48Stephanie Del Rosario:Quick one before you jump back in. You're listening for ways to help teams move faster, make sharper decisions, and turn scattered context into work they can use. ChatGPT for Business can help. ChatGPT for Business gives teams a shared workspace with admin controls, permissions, and access to work and codecs in ChatGPT. This means your business can move from question to answer and code to rollout quicker. Join over 10 million business and enterprise users worldwide already using ChatGPT for Work. Download the ChatGPT desktop app or contact sales to learn more.

1:25:24Daouda Hunter:earners what's up look on earn your leisure we're all about smart money moves and here's one that most people skip car insurance renews on autopilot the rates creep up and nobody tells you that's what insurify fixes in about two minutes completely free you can see rates from more than 120 top insurance companies and if there's nothing better today they keep watching and notify you when is a better rate. So go to Insurify.com. That's I-N-S-U-R-I-F-Y.com. Insurify.com.

1:25:53Stephanie Del Rosario:Didn't catch the latest Roland Martin Unfiltered podcast?

1:25:57Daouda Hunter:Here's what you missed.

1:25:58Stephanie Del Rosario:And the argument is, do you want to win? If you don't win, you have no power. It's real. Those are the very people who I always say vote against their own economic interests and they complain about the very thing to receive. It's raw.

1:26:13Austin Haynes:I knew that the issue of transgender athletes was not going well with a lot of black men. Roland Martin unfiltered. I went off. I said, this is exactly what I'm talking about. Y 'all gonna scream at Chanel, but you don't want to see a black luxury company in the same vein. Catch Roland Martin's daily commentary on the Black Information Network. 12 seats. Those are moving south. So if you Democrats, you don't wait to 2030.

1:26:44Stephanie Del Rosario:You better be hitting the ground going hard in the south now. And download Roland Martin Unfiltered on the iHeartRadio app, Apple Podcasts, or wherever you get your podcasts. I am talking to a felon right now with face tattoos, and I cannot decide if I like him or not. That was a caller from my podcast, Therapy Gecko, where I speak with anonymous callers about their problems, relationships, and anything else in the depths of their mind. It all happens on my show, Therapy Gecko, where we have real conversations just like this. Sometimes I'll have my girlfriend pre-chew spicy food and kind of baby bird it into my mouth.

1:27:23Stephanie Del Rosario:Is that weird? This week is Human Connection Week. We're taking a peek into the lives of various strangers who found my phone number online. We'll hear their funny moments, their difficult ones, and their unexpectedly profound ones. These are real conversations with real people figuring out life one call at a time. So if you're trying to get out of your own head and into someone else's, this is the podcast for you. Listen to Therapy Gecko on the iHeartRadio app, Apple Podcasts, or wherever you get your podcasts. That call was really pivotal for me. Hey, it's Emily Tisch-Sussman. And this season on She Pivots, the podcast where women share bold career moves and personal turning points that changed everything.

1:28:06Stephanie Del Rosario:I sit down with culture-shifting women who share their pivots, like Paralympian Allie Truitt. I was like, I'm a month out from a shark attack. There's no way in 11 months I'm making the Paralympics. Advocate Elizabeth Smart. I still feel that drive that I can still make a difference. So I'm going to keep going. Celebrity chef Carla Hall. Was that scary to walk away from such a stable career after just two years? No, I was more afraid of being unhappy than I was broke in a dead end job that I didn't enjoy. And feminist legend Gloria Steinem.

1:28:37Austin Haynes:All of us were trying to express women's real lives. We need a meeting place of our own. And if I can contribute to that, I'd like to maintain that and leave this house for that purpose.

1:28:49Stephanie Del Rosario:Listen to She Pivots on the iHeartRadio app, Apple Podcasts, or wherever you get your podcasts.

1:29:19Austin Haynes:and you put more money in, you'll technically be wealthy. It's just a matter of when. It's just a matter of when, right? As long as you put some level of substantial money in, like you don't have to put a thousand dollars a month in, but you put 200, 300, 400, add up over the course of time, you get a tax return, you dump that in. Over the course of time, it's not going to take five years, maybe not 10 years, but over the course of time, if you just do that you will be wealthy at some point in time

1:29:52Daouda Hunter:and most people are not going to do it

1:29:55Austin Haynes:what I often say is when I'm talking to some people especially the nurses in the hospital everybody's under some kind of pressure at this moment inflation's high, everybody's talking about that but then when they bring up the point of inflation being high I'm like, you know the only thing outpacing inflation right now is the market like simple as that

1:30:14Daouda Hunter:you know no 100 you brought up and i've never asked you either of you this um you talked about position size and i wonder when you're going into buying equities or index is or if you're doing options is there a number that you're trying to have going into the trade is it like if i'm going to buy shares i want to have 10 if i'm buying contracts i want to have at least four like do you each have a metric that you use?

1:30:45Stephanie Del Rosario:Well, for me personally, everything I base is off risk to reward. So for me, especially with options, options are way more volatile. My entry matters way more than long-term investing. And if I see I have a good risk to reward, I'm more willing to enter with more size than something that maybe has already ran and has reached an area of resistance. I shared with EYL University in our last investors group meeting that I was watching IBM to see. It actually had reached the top of a trend that was acting as major resistance. And a lot of the stocks recently have broken those ranges. So I was watching and I took a little bit of risk.

1:31:19Stephanie Del Rosario:I mean, I took two contracts. That's nothing crazy, but I wouldn't have added something like 100 contracts at a major area of resistance, something that I'm trying to see if it's going to break out. But like buying and holding my long-term investment, for me personally, I can't think about it too much because I won't do it. So I have a consistent amount that I max out my Roth IRA and then add what I need for my freedom number. And I do that every single month. I have to do it for me. It has to be a discipline.

1:31:46Austin Haynes:For myself personally, I test to the, um, I'm a long-term investor. No, first, no matter what. No, my personal goal is to hit 25 shares of each stock. I have my portfolio, then 50 shares and a hundred shares and 150, and then building up to the eventual a thousand, 2000, 3000, 4 ,000 shares. No, I don't have it, But no, like that's what I attest to because I want my portfolio to be evened out. Like I only have six positions on the stock side and eight positions in crypto. That's it. Like I want the same amount of shares for every single one. So I'm evenly distributed across each because you never know at any given point in time when the stock is going to pop.

1:32:30Austin Haynes:You never know at any given point in time if something's going to pull back. And when something pulls back, that's when I'll start going. let's say I'm at 50 shares of Microsoft and 40 shares of Google. If Microsoft pulls back, I'm going to start reaching towards my 100 share goal for Microsoft. And then when Google pulls back, I'm going to hit my 50 share goal and my 100 share goal of Google. So that's how I've been doing. It's worked pretty well for me thus far. I like that. Yeah.

1:32:52Stephanie Del Rosario:Austin, you shared something with us though, that I thought was a gem in our chat. You remember when you shared with us, like you only have like those, those certain positions in your portfolio and some of them

1:32:59Austin Haynes:may get replaced if they're not acting right they gotta act right like that's all to convince my portfolio yeah because i i just want the best for all of us especially like i built such a good relationship with stephan de huda over the last couple years but no i just want the best for our community and i don't want us to get tricked out of our spot but i also don't want us to be able to hold on to we try to catch a falling knife if something is a bad company it sucks it's just like is what it is. Like that's when you have to be able to compare the overall trend like how the Huda was saying earlier.

1:33:31Austin Haynes:Like what's the trend of revenue? Like is it going up, is it going down? Like what's, is the stock dropping? Like are we catching the falling knife? Those are questions you have to answer for yourself. And I answer those questions, they're hard questions. Like do I replace Microsoft with TSM? Like I make sure that I have a hard number of assets I have in my portfolio. No, I'm not replacing Microsoft right now, but that's just how I go about things personally. Yeah, I'm along the same lines of like accumulating shares similar to how Austin mentioned it. But more specifically, as like an example, I like that 20 percent mark as a framework.

1:34:11Austin Haynes:Like once a company pulls back to be like, all right, that's like the limit in my head to be like, all right, maybe I can allocate some. Not the entire, not a load to boat price type situation, but maybe I can allocate some money to acquire some more shares here. but at the same breath, you can't always wait for that 20 % pullback because it may not come. And that's when what we talked about with the moving averages come into play. You know, it may come back to like a 20 EMA or 50 EMA consistently. That will be an area to deploy some money to acquire some more shares. So that's how I go about my approach with it.

1:34:45Daouda Hunter:I'm so proud of y 'all.

1:34:50Daouda Hunter:I'm very proud of y 'all. Amazing job.

1:34:52Austin Haynes:We want to thank you guys, you know, EYL University and VestFest. And now this is it's about educating the masses. And, you know, you guys have done a great job inside of EYL University and continue to do such a great job. So one to highlight you. And once again, you know, thank you. So can you please tell people where to follow you on social media and all that stuff? Yes. So you guys can follow me at the who the hunter on Instagram or across all platforms. um and then also i just want to give a special thank you to you guys um a lot of opportunities come from being at invest fest um i'll just get my own personal story i was at invest fest last year obviously and i got the opportunity to meet a high profile person or somebody who works with a high profile person and i got to work at their event this summer that would have never happened if I went to InvestFest.

1:35:48Austin Haynes:You never know what could happen. You never know. You never know.

1:35:51Daouda Hunter:You never know.

1:35:53Stephanie Del Rosario:For sure. So I'm on Instagram. You can follow me at Steffi underscore trades.

1:35:57Austin Haynes:You guys can follow me at Austin Haynes, H-U-I-N-E-S underscore underscore. I'm on Instagram. That's the only social media platform I'm personally on. So I want to be able to tell everyone to join EYLU. EYLU has personally changed my life. And I know that's changed a lot of people's lives around me. I don't want to say names or put the business out there, but I'm there in a much better financial situation than they were a couple years ago when they first joined. I don't want people to take that for granted. There's a lot of bad information. There's a lot of bad actors out there, but this community is a real family.

1:36:26Austin Haynes:So please come join. Come attend not only the investors group, but the rest of the clubs that we have within the community because it can really help change you for the better.

1:36:36Stephanie Del Rosario:Absolutely. We're doing the technicals. So if you feel like you don't know, we're doing that every Monday morning. We're pulling them up.

1:36:43Daouda Hunter:I was in there. I was in this that uh i watched your presentation last year and investors is one of the proudest moments that i had watching 4 000 people come to see y 'all speak and y 'all have that moment like that's there's nothing small about that 4 000 people came to see y 'all right like that that's incredible it speaks to the amount of work uh the amount of dedication and sacrifice and the execution that people are making off the information that y 'all giving so keep going y 'all know the rules stay

1:37:12Austin Haynes:low key firing we are not done period appreciate it thank you thank you guys thank you thank you so much love is love you guys EYL University the place to be ladies and gentlemen go to EYL University.com if you want to join but man it's highlighting some some some really really valuable people inside the community and great insight when it comes to investing how to start investing and some key things you should know about investing before you get started and even as you continue to continue your journey in investing so we gotta do that at least once a year

1:37:49Daouda Hunter:absolutely man uh stay low keep firing information on us execution on y 'all y 'all know how this works

1:37:55Stephanie Del Rosario:all right guys later before you sign off you tuned in for ways to help teams move faster make sharper decisions and turn scattered context into work they can use chat gpt for business can help chat gpt for business gives teams a shared workspace with admin controls permissions and access to work and codecs in chat gpt this means your business can move from question to answer and code to rollout quicker join over 10 million business and enterprise users worldwide already using chat gpt for work download the chat gpt desktop app or contact sales to learn more

1:38:31Daouda Hunter:When traveling for events or festivals throughout the country, every dollar matters. We compare flights, prices, hotel rates, and restaurant options. So why wouldn't we compare rides? Personally, I always check Lyft before booking a ride. Prices can change throughout the day depending on traffic, weather, and what's happening in the city. If you're headed to a concert, out to dinner, or catching up with your friends on a Friday night, taking a few seconds to check Lyft could leave you with more money to enjoy the experience. Save money. Check Lyft. Earners, what's up? Look, on Earn Your Leisure, we're all about smart money moves.

1:39:05Daouda Hunter:Here's one most people skip, and it starts with Insurify. Most of us never shop our car insurance. The policy renews every year, the rate creeps up a little at a time, and nobody calls you to tell you. You stay with the same company because it's easy, and that convenience costs you real money. That's what Insurify fixes. Real quotes from more than 120 top insurance companies side by side. About two minutes, free, no phone calls, no pressure. And if there's nothing better for you right now, Insurify keeps watching and tells you when that changes so you're never stuck overpaying. Millions of people have used Insurify to shop for their car insurance.

1:39:42Daouda Hunter:So insure with Insurify. Go to Insurify.com. That's I-N-S-U-R-I-F-Y.com. Insurify.com.

1:39:52Stephanie Del Rosario:Didn't catch the latest Roland Martin Unfiltered podcast? Here's what you missed. People wake up and go, oh, damn, wait a minute, hold up. They changed all of that? Yes. It's real. This is a wholesale attack. It is targeting black people in every federal agency.

1:40:07Daouda Hunter:It's raw. White folks have never allowed that reckoning to last more than a decade.

1:40:12Austin Haynes:Catch Roland Martin's daily commentary on the Black Information Network.

1:40:16Stephanie Del Rosario:And download Roland Martin Unfiltered on the iHeartRadio app, Apple Podcasts,

1:40:20Austin Haynes:or wherever you get your podcasts.

1:40:22Stephanie Del Rosario:I am talking to a felon right now with face tattoos, and I cannot decide if I like him or not. That was a caller from my podcast, Therapy Gecko, where I speak with anonymous callers about their problems, relationships, and anything else in the depths of their mind. It all happens on my show, Therapy Gecko. So if you're trying to get out of your own head and into someone else's, this is the podcast for you. Listen to Therapy Gecko on the iHeartRadio app, Apple Podcasts, or wherever you get your podcasts. This is an iHeart Podcast. Guaranteed human.