Finance With Paul
@FinancewithPaul
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Sharing insights from 6+ yrs as a former Stockbroker to help you be a better investor/trader. Finance 10+ yrs. Husband & Dad of Twins.
Not Financial Advice
Joined March 2022
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I've worked in Finance 9+ yrs - including 6+ yrs as a Stockbroker at one of the largest brokers in the US.
As a Stockbroker I worked on the:
•High-Net-Worth Desk 4+ yrs
•Active Trader Desk 1+ yr
Here are 10 tips that I learned that can help you on your investing journey:
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@unusual_whales
Moral of the story:
All it takes is a little bit of insider knowledge and you too can be a successful investor.
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@TicTocTick
It's been on the NSA's servers for a long time as well.
Except I guess when the US government does it, it's not considered "stealing".
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@darrelltalksfi
I literally don't understand how this is possible lol.
Like how do you spend all that money and not save & invest at least some of it...
Most people earn less than $3 million in their entire lifetime and don't go broke.
Athletes are earning this in 1 year and go broke... 🤦♂️
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@unusual_whales
I wonder what kind of trades Nancy Pelosi is going to make with this hot inside information.
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@stoolpresidente
He doesn't know Zelenskyy's name...
He doesn't know Kamala's name...
And he doesn't even know his own name...
Regardless of your political views, you absolutely have to admit that this is disgracefully embarrassing 🤦♂️
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@FluentInFinance
I simultaneously understand the need and utility of credit scores while also 100% agreeing with you that credit scores are a joke.
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@TrackInsiders_
Moral of the story:
All it takes is a little bit of insider information and you too can become a successful investor.
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@Cokedupoptions
@moizali
John's firm
@Cokedupoptions
is fantastic! I gave him all my retirement money and he invested in yolo calls. He was able to lose all my money in just 2 weeks! Now, I don't have the stress of trying to grow my retirement account because it's gone. I highly recommend John.
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@Rothmus
Here is an amazing financial hack:
Wearing something, washing it, wearing it again, and repeating that cycle.
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@unusual_whales
Unusual Whales is like the Batman of politics.
Exposing political corruption and insider trading.
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@unusual_whales
And with inflation, unfortunately, the value of $100,000 is only going to continue to decrease.
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@FluentInFinance
My wife and I bought our first home in 2020.
We have a 30 yr mortgage @ 3.5%.
We aren't real estate gurus and we didn't realize at the time how incredible this would be.
It was complete serendipity...
To be honest, I'm extremely grateful for this and I feel horrible for
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@unusual_whales
Your work is extremely important and you need to keep going!
@unusual_whales
I believe that your work reporting on unusual trading activity from Congress and insiders is starting to gain momentum in bringing corruption and hypocrisy to the attention of the public.
You are
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@unusual_whales
This actually helps give some interesting perspective of US national debt.
This math implies 170 million users.
To pay off the US national debt, this amount of users would each need to pay about $203,000.
Insane.
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@FluentInFinance
I agree!
Loyalty in the job market seems to be an outdated value.
Both sides (employees & employers) have to play the game of creating value for themselves.
Obviously, neither side should do anything unethical but, employers are playing the game a certain way now so,
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@FluentInFinance
I live in NH.
We indeed have no income tax (on ordinary income) or sales tax.
However
We do have:
•Very high property tax
•8.5% prepared food tax
•3% tax on divs & int (threshold)
•7.6% business profits tax (threshold)
NH still manages to collect!
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@unusual_whales
"AMC must have reported earnings today and provided guidance that they expect huge increases in future free cash flows."
Reality:
Some dude named Roaring Kitty posted a picture of himself in a chair.
Wild 😂
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@unusual_whales
The hypocrisy in our government and legal system is extremely disturbing.
No doubt, Keith's intentions are undeniable and he knows exactly what he is doing.
However, I don't think he technically broke any securities laws by posting GIFs and screenshots.
Congress on the other
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@unusual_whales
He doesn't know Zelenskyy's name...
He doesn't know Kamala's name...
And he doesn't even know his own name...
Regardless of your politics, you absolutely have to admit that this is disgracefully embarrassing.
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@FluentInFinance
I live in NH.
It is true that we have no income tax on earned income.
However, we do have a 3% tax on dividends and interest. (ends next year 2025.)
We also have some of the highest property taxes in the US as well as an 8% prepared food tax.
NH still gets you!
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@MarioNawfal
This is wilder than anyone could come up with for a movie script 😂
With the 120,000 GME $20 calls and the 5 mill shares, his position effectively represents 17,000,000 GME shares 😮
And his break even on the calls is $25.67 by the 6/21 expiration.
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@ChrisJBakke
The real question is:
What/who is that $4,000,000 of revenue being allocated to?
Lmao 😂
EXPENSE REPORTS:
Description of work:
"20 consultants experimented & analyzed the effects of picking up trash and putting it in trash cans."
Costs:
20 consultants x 2 hours of work x
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@MarioNawfal
CNN good luck trying to keep up with all the "illegal" streams across X and the entire Internet.
There will be hundreds if not thousands.
The Internet is undefeated... Just saying.
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@TheAlphaThought
Maybe they wouldn't be broke in the first place if they weren't spending $23 to eat Sushi...
You could probably make 20+ PB&J sandwiches for $23.
There's no shame in living frugally for a short amount of time when you are in college.
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@unusual_whales
He must have gotten smoked on that semiconductors bet.
Unless he was trading some of the dips.
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@FluentInFinance
I live in NH which is one of the 9 states mentioned.
We have 0% income tax - which is amazing!
However, our property taxes are some of the highest in the country.
We also have an 8.5% prepared food tax. This applies to restaurants, fast food, and even pre-made foods at the
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@unusual_whales
Interestingly, this goes both ways for older parents.
For parents receiving Social Security benefits, SSI, or disability, they are technically being partly financially supported by their working kids.
So in a weird way, they are financially supporting each other lol.
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@unusual_whales
The T+1 settlement is a positive change for investors and traders for 3 main reasons:
1. Simplified ex-date timeframe for dividends
-The ex-date and record date will now be on the same day. As long as you buy any time before the record date, you will receive the next dividend.
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@unusual_whales
This is like watching a movie in real time 😂
His position in GME is massive for one individual person.
With the 120,000 GME $20 calls and the 5 mill shares, his position effectively represents 17,000,000 shares.
And his break even on the calls is $25.67 by 6/21 expiry.
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@unusual_whales
Here is what this means for you if you are a shareholder of Chipotle:
Let's just say Chipotle has 1,000 shares outstanding and you own 10 shares each valued at $50.
This means you own 1% of the company (your equity) and the value of your shares is $500.
With the 50:1 split,
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@KobeissiLetter
Hypocrisy at its finest by the government and regulators.
How about looking into the corrupt insider trading going on in Congress by our own government
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@dlauer
A few FYIs (if this helps)
1. This is a primary offering.
Meaning, GME would be issuing new shares and it would cause dilution to existing shareholders.
2. The 45 million new shares could be used by short sellers to borrow and cause more immediate short selling pressure.
On
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@Malone_Wealth
@TheRoaringKitty
If you take into consideration his 5 mill shares + the 12 mill shares that his 120,000 calls effectively represent, he actually moves to the 4th largest!
Lol this is wild!
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@PrinceHAK33M
For those who don't get it...
Let me help you break down the math:
They have a 4 yr old. (assuming this is their child together)
29-4 = 25
20-4 = 16
25yr old + 16yr old = Wrong
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@unusual_whales
This is an interesting case study on the risk/reward of different options strategies.
•Buying the $20 calls is a low risk/high reward strategy.
•Selling the $15 puts is a high risk/low reward strategy.
No matter what happens, 2 things are certain:
1. The premium that Dave
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With your current knowledge of money and investing:
If you could go back to 18, what would you do differently?
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@DividendGrowth
Just to provide some perspective:
With $2 million of savings:
•Earning 6%/yr
•Withdrawing $125k/yr
•In the 22% marginal tax bracket
•Having 0 other income
Your money would last about 30 years.
An important consideration:
$125k today is worth a lot less than in future.
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@unusual_whales
So, did E*Trade just inadvertently confirm that it is in fact Keith behind his account with the massive GME position?
A lot of people are saying the screenshot of his account is fake or questioning the authenticity.
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@unusual_whales
His overall GME position effectively represents 17,000,000 shares with the 120,000 calls equal to 12 mill shares.
A gigantic position for an individual trader!
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@unusual_whales
Add on taxes, insurance, and various home maintenance costs and your monthly housing costs are easily over $4,000.
If you go by the conventional rule of thumb of keeping your housing costs around 30% (max) of your income, this means you would need to make $160,000 / yr to afford
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@FluentInFinance
Another way of looking at it:
Home Price to Income Ratio
2004 = 4.33
2024 = 9.85
The price of homes has far outpaced the growth of wages.
Affording a home in the US has become nearly impossible for many people.
Is this sustainable?
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@unusual_whales
A few FYIs:
1. This is a primary offering.
Meaning, GME would be issuing new shares and it would cause dilution to existing shareholders.
2. The 45 million new shares could be used by short sellers to borrow and cause more immediate short selling pressure.
On the other hand,
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@unusual_whales
A $5+ mill gain in 5 hours is not a bad day at the office!
"It ain't much but, it's honest work."
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@unusual_whales
If you hold NVDA shares OR options as of the close of trading today 6/7, your positions will be adjusted over the weekend.
Split-adjusted price starts trading Monday 6/10.
The 10:1 stock split doesn't change your equity in the company or the value of your position.
It simply
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@Investmentkage
This is actually a flex though! Lol
Keep your income high and expenses low.
This is the way to go.
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My twin boys are almost 3 yrs old and some days I still feel like I have no idea what I'm doing with this parenting thing lol.
Can anyone else relate to this?
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@dividendology
Interesting question.
$2 mill invested @ 5% interest = $100k/yr in interest - without ever having to touch the principal.
So, if you think you could live forever on $100k/yr then the answer is an automatic yes.
If not, even if you withdraw an additional $50k/yr from the
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@unusual_whales
RK did not commit securities fraud (IMO).
Did he know what he was doing?
Absolutely.
But, he never traded on any material non-public information.
He never made false claims about his GME positions or about GME the company.
RK did exactly what well known investors, analysts,
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@unusual_whales
For people wanting or trying to short Reddit (RDDT):
It's technically possible to short right away but, it could be EXTREMELY difficult to locate shares to borrow and short.
Reddit is already going to be a very low free-float stock with whatever percentage of the 20ish million
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@FluentInFinance
This is very true.
What life looks like for the average person in the US (according to what you are "supposed to do"):
Step 1
Take out $100-$200k in student loan debt to get a college degree so that you can get a good job.
Step 2
Rent or live with your parents while you work
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@dividendology
The psychology of the market is weird.
All-time highs tend to bring in more buyers.
All-time lows tend to bring in more sellers.
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@InvestwithValue
With $3 million of savings:
•Earning 5%/yr
•Withdrawing $200k/yr
•In the 22% marginal tax bracket
•Having 0 other income
Your money would last about 23 years.
So, if you could live off $200k /yr now AND in the future (inflation) the answer is YES... for 23 years anyways.
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@aaditsh
The profit margins are after paying yourself yes?
If you can work for yourself, pay yourself a nice salary, and still make 2-6% net profit that's not a bad deal compared to being under someone else's dominion working 40 hours a week doing something you hate.
Thoughts?
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@FluentInFinance
If you go with the conventional rule of your mortgage payment being no more than 30% of your income, a $2,894 monthly payment equates to an annual income of about $115,000.
The median US household income is estimated at less than $80k.
(From a few sources I looked at)
That
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@Investingcom
The one that Nancy Pelosi has on her buy list that nobody else knows about yet.
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@unusual_whales
I agree and disagree.
Boomers had an estimated $78 trillion of wealth at the end of 2022.
Are boomers really going to spend $78 trillion on taxes, retirement cost of living expenses, nursing homes, charitable donations, etc. before they pass?
Probably about half of that is
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What is one thing about money that you wish you learned in school?
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@gavinmayreal
@TheRoaringKitty
@GameStop
Good post 👍
He would need $240,000,000 (aka a quarter of a billion dollars lol) to exercise all those calls.
Does anyone know if he even has close to that amount of capital (outside his current positions)?
It's certainly possible that he could secure financing to exercise
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@darrelltalksfi
Adobe maybe?
Seems like AI could really disrupt their Photoshop and other creative types of software.
I know they have been integrating AI and they've been aware of the competitive risks of AI for a long time.
But, maybe they weren't expecting the AI breakthroughs in the
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@unusual_whales
Just for perspective:
Cuban bought his stake in the Mavs for $285 mill in early 2000.
He sold his majority stake for $3.5 bill in late 2023.
That's a gain of about $3.2 bill (1,100+%) over 24 years or an annualized gain of 11%.
$288 mill in taxes is about 9% of the gain.
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@PerriiTweets
Exactly! The guy has no idea what he is doing and he is trying his best to learn and she is not even attempting to teach him she is just yelling at him.
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@unusual_whales
Imagine if he walked out to "Many Men" along with 50 Cent.
A missed opportunity for a legendary moment lol.
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@FluentInFinance
That's wild paying $13.3k for every $100k of income you earn in Cali on top of federal income tax and FICA.
I'm in NH.
0 income and 0 sales tax
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@Barchart
RK did not commit securities fraud (IMO).
Did he know what he was doing?
Absolutely.
But, he never traded on any material non-public information.
He never made false claims about his GME positions or about GME the company.
RK did exactly what well known investors, analysts,
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@dividendology
I get the point this is making.
However, it ignores the concept of risk management of day trading vs. buying and holding.
Reverse the scenario to a stock that goes from $40 down to $10.
The day trader makes $3 and the holder loses $30.
Both strategies have pros & cons.
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@money_cruncher
Money markets are protected under SIPC insurance, not FDIC insurance.
SIPC insurance protects money market funds up to $500,000.
SIPC protects against the failure or bankruptcy of your brokerage firm.
SIPC does NOT protect against MMs "breaking the buck".
Hope this helps!
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@unusual_whales
The trading ideas generated on Wall Street Bets alone are worth more than $60 million.
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2 people who I really respect and appreciate on X are:
@jackiekenoyer
@zachmelloh26
They are each very close to hitting an awesome follower milestone.
They both make excellent finance content and are genuinely helpful accounts.
Check them out and give them a follow!
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@unusual_whales
Wild 🤯
It would take 50 years at an above average return of about 12.4% CAGR to turn $30k into over $10 mill.
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@unusual_whales
Tokenization on the blockchain will destroy the current infrastructure and "plumbing" of Wall Street.
Such as the settlement, clearing, and custody of securities, currencies, and assets.
The huge financial institutions that all play a part in the current infrastructure of Wall
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