i just invested $1,000,000 into these 3 stocks

everyone me kevin here all right we've

got three stocks that we have to talk

about y'all know that i've been really

big on rcc

for the past oh maybe two months-ish

here i've been selling off some call

options i've been selling puts but i

haven't actively been buying heavily

until well this week uh and the reason

for that is i see three interesting

opportunities in the market and we're

going to talk about all three of those

in this video as usual this is not

financial advice i can be totally wrong

and if you lose money don't sue me bro

these are just ideas

all right but i am going to thoroughly

explain my ideas now if you are part of

the stocks in psychology of money course

you already know about these three

and if you're interested in joining that

you're always welcome to check out the

40 off coupon code link down below does

expire august 31st to get 40 off

lifetime access also comes with private

live streams where we do a lot of this

kind of analysis in fact

at least two of these we did detailed

private live streams on before we made

any kind of decision we kind of went

through the fundamental analysis

together the ta together the social our

you know trend checks everything was

great so if you like that kind of stuff

you want to go more into detail feel

free to check that out by the link down

below okay folks for now though let's go

ahead and check out number one

number one on the list is affirm

a firm is a stock that at the time of me

recording this is up like 30 plus

percent in the after hours and that's

because a massive shift of a catalyst

just occurred so you might know that a

firm is the buy now pay later platform

it is a stock that has been absolutely

battered since it went public it uh it

went public it briefly skyrocketed up to

146

somewhat uh

you know missing a path to profitability

and over the past well since starting in

february the stock has just been on this

massive slide and trend down now it's

slowly started moving up since the may

12th bottom this is the last time i did

massive buying in the market was over

here in may may 12th before that i did

some buying uh of of the dip as we were

sliding down in other stocks big buys

over here may 12th as usual every time i

buy or sell i post alerts in that stocks

and psychology money group but anyway uh

i i now am interested in a firm i've

been tracking a firm and watching the

pain of a firm for quite a while

and why would i buy it now after it

jumped you know

i bought it less than the jump where it

is now but why would i buy it now

all of a sudden on what will end up

being a green day

well

massive announcement a firm has

announced that rather than just being

the partner of peloton or walmart or

miscellaneous other companies that you

could use through the affirm app which

is a little bit more

uh

there's some more steps involved to use

the affirm app and then buy something in

a store it's much easier to be able to

buy something on a website and check out

with a firm right well firm just made a

massive announcement and i want to talk

about the implications of this but first

let me show you why a firm is so

powerful when people want to buy

something like let's go into a peloton

bike here we're going to go to the

peloton bike plus here

somebody wants to buy a peloton bike but

they don't have the 2500 or now these

prices are going down so maybe the 1800

or whatever it is for something no

worries you can now get yourself an

interest-free loan with a firm take a

look at this

bike plus family two thousand nine

hundred forty-five dollars why pay two

thousand nine hundred forty nine dollar

or forty five dollars when you could get

it for as low as sixty nine dollars for

43 months and all you have to do is

click the little pre-qualify now button

and you could start making payments with

no extra fees

at zero interest as long as you pay it

off by this end term now if you need

more than 43 months 24 months or 12

months or whatever you choose you'll end

up paying interest which interest makes

up about 45 percent of a firm's revenue

another about 45 percent comes from the

transaction fee

which is actually really brilliant

because if you check out through a firm

you're not checking out through a credit

card which means now a firm can charge

that 2.9 or 3ish percent fee and make

money off

processing your transaction

and then they're hoping that a certain

percentage of people are going to start

paying interest as they want to extend

their payments over time but they're

really transparent about this

if you pay this bike off with these

monthly installments by the end of this

time frame you will pay zero interest

and if you if you multiply 43

times what is this 68.5

you'll see it comes out to 2945 dollars

which is

the cost of the bike plus family

so it's not like they're they're

building the payments into this price

they're taking the payment processing so

this is kind of like investing in visa

but then they're also getting the

interest so it's very much like

investing in a credit card company

rebranded as a buy now pay later service

okay cool well peloton i have almost

completely sold out of and i almost

completely sold out of them before

earnings i sold out of like 95 percent

of my position before earnings i have it

i sold out another it was down four

percent this morning when it opened and

i sent out an alert that i sold another

about two or three percent of my

position and so now i've got maybe like

one percent or two percent of my

original position left in peloton and

i'ma dump that uh probably next week

particularly because i'm not very happy

with their earnings

because they're bike sales and we saw

this coming we talked about this in

stocks and psychology and money i'm like

uh oh search trends are going down bike

availability is getting a lot shorter

like you can get your bike a lot sooner

this is not good all the catalysts that

we were looking at for piton were

evaporating and i'm like dump it glad i

did because obviously it's been having a

rough time and they're making it a lot

harder now and i'm going to talk about a

firm again in a second but just a quick

note on peloton they're making it a lot

harder now to figure out where

or how much bike sales actually declined

it took us about 20 minutes to figure

out where they hit it but they hid their

quarter over quarter data and in our

course group we found out together that

uh they hid the fact and it's available

but it's just not on their sec report

which is crazy because that's where i

always go uh they're quarterly a quarter

of a quarter bike sales are down like 35

percent now maybe that's just because

it's the summer quarter maybe peloton is

going to come back i don't know i'll

look for the catalyst but for right now

not very happy about piton anyway okay

so

peloton the reason this matters is

because last quarter peloton sold about

a billion dollars worth of bikes

which is a whole lot of money so uh oh

i'm sorry uh that was actually i wrote

this down here yeah no that's correct

it's about a billion dollars worth of

bikes last quarter it's down 35 percent

this quarter well a firm was like

the big provider for peloton and so

people are like oh man well peloton's

doing poorly maybe that's why a firm is

going to get pushed down in fact we

talked about that on the public live

stream this morning

well walmart also offers a firm and we

haven't even gotten to the catalyst here

yet okay anyway walmart also offers a

firm the thing about walmart is that

walmart doesn't actually here let's go

into something here walmart doesn't make

a firm as convenient as piton they do

show it here you could see it you could

go the little checkout thing but and i'm

going to hide this for a second here uh

you can continue without account blah

blah blah but basically they end up

giving you the option to use checkout

with paypal or check out with all of

these other options and a firm is one of

them

what i found because people always ask

like what about the competition yeah

there is competition for buy now pay

later you got paypal you got after pay

you got apple uh partnering with goldman

sachs to come up with a buy now pay

later uh apple though is i heard i

haven't confirmed this apparently

partnering with a firm in europe which

is pretty cool so good for a firm but

anyway what we found when we were

looking at the walmart checkout page is

that paypal's buy now pay later only

lets you pay over uh i think it's four

payments

and you have to pay every two weeks a

firm lets you stretch it out over 12

months 24 months 43 months whatever it's

insane how far you can pay it out so now

maybe it's different for different

products so i don't really want to bag

fully on paypal but i think paypal

doesn't have the growth that the firm is

going to have i certainly don't think

walmart's going to have the growth that

a firm's going to have and something

else that i think is really crazy

is

amazon

i think already has a lot of growth

priced into it

but here's the fun part

amazon just announced

that they're going to incorporate a firm

to create a buy now pay later option on

amazon's website

this is huge and i'm going to tell you

exactly why it's so huge but first of

all right now if you want to buy now pay

later it would just be using the chase

partnership credit card they have people

don't like the idea of credit cards

because credit cards it's like sure buy

now but then pay like 18 interest right

unless you open a new card and get like

zero percent no interest or whatever

that's clunky it's complicated it's hard

don't love that okay but

get this and this is why this is so

mind-blowing and just so you know i

loaded up about

493 000 of this stock

so uh yeah like

um putting my money where my mouth is

okay being transparent here but anyway

here's why i think this partnership is

so crazy peloton and walmart are big

users of a firm

but the max total

gross merchandise revenue that peloton

and walmart have for online sales to

combine together is only like 13 to 15

billion dollars that's because per

quarter that's because even though

walmart has like 137 billion dollars in

sales only about

six to eight to nine percent or actually

online sales i just use 10 percent for

giggles and that's how i get to about 15

combining peloton and walmart so even if

they had gross potential sales of 15

billion of products which a firm isn't

gonna get all of that that's 15 billion

dollars compare that now to amazon's

online sales not web services product

sales amazon's product services are

58 billion dollars that's roughly 4x so

just looking at peloton and walmart

amazon four x's that potential now i

know you could use a firm on other

things like dyson and mattresses and all

this other stuff

but

wow this is big

okay like another 58 billion dollars of

potential revenue now in fairness amazon

will only allow a firm for things that

are 50 or more which of course we're not

gonna we're not going to capture all of

this but it's that potential pool that's

what matters it's the same math we did

with walmart and piton right like not

everybody who buys the peloton is going

to uh use a firm

so anyway this is like huge in my

opinion

this affirm play is a way of buying

amazon's or buying into amazon's growth

without buying sideways trading amazon

don't get me wrong i love amazon i own a

lot of amazon

probably right about seven figures of

amazon

love it not selling my amazon

but this affirm play

i like it

so these are my thoughts on a firm now

i'm going to talk about two more plays

here uh but uh yeah look there's there's

more research to this i'm not going to

go into absolutely everything here i

wanted to give this sort of synthesis of

what we did we like search trends we

like social trends for a firm we like

that it's been beat down

i honestly think this amazon partnership

is huge

now it's possible that we see retail

spending go down although we haven't

seen retail trade spending go down we've

seen

travel spending go down because of delta

which means potentially this shopping

season in my opinion could be huge this

uh and i really think amazon's gonna

want to get this a firm integrated no

later than

like the middle of october october 15th

because that's when the winter season

begins and oh my gosh this could be a

record setting winter season for amazon

and a farm

especially if people can now buy now pay

later it's crazy

uh so okay uh that's a farm

now i'm gonna do a quick yolo and then

i'm gonna get into one that i'm a little

bit more interested in all right so the

quick yolo we actually talked about this

one uh this morning in uh my live

streams

uh i uh a fur i'm sorry owlette is

getting destroyed with uh spack

redemptions and so a lot of shares are

being issued right now it's it's a

little it's a little kooky right now

owlette you you don't you probably won't

know what the heck outlet is unless you

have a child

outlet is basically a company that

manufactures and sells pregnancy

products the reviews for them are

absolutely amazing search trends going

up everything about owlette i love i

associate with it gives that parental

peace of mind think about it this way

okay if you have a little child a little

baby

that's just born okay literally newborn

couple weeks old uh everybody drills

into your mind that there's this thing

called sids sudden infant death syndrome

and so parents are like mentally

so paranoid because like babies and

children are absolutely precious like um

like i get tears in my eyes just

thinking about it okay

so you can

wrap their little baby feet with an

owlette smart sock and i know that

sounds insane like oh my gosh smart

shock it's actually really good it

measures and monitors the child's

like blood oxygen and heart rate and i

don't know what else it does lauren

handles all this stuff but anyway uh it

gives a parent a piece of mind and if

there's any kind of drop in vitals it

sends off like this siren in your room

because you have like the beacon in your

room and the sock on their feet so

you're probably just like radiating them

with a bunch of bluetooth but i guess at

least they're not dying from sids

okay that's bad sorry i shouldn't have

said that sorry owlette don't sue me

unsubstantiated opinion

total a joke

okay

now

their stock has just been dumped into

the toilet and uh personally i'm usually

very much a bottom feeder

this stock could fall more and so i only

put a 20 okay only i'm sorry i know it's

unrelatable i put a twenty thousand

dollar yolo in on this okay uh i put a

twenty thousand dollar yolo on this like

a minute before the stock market closed

like over here

uh and i put an option yolo on this for

september 17th it's a call option i

think i did the 7.50

for september 17th because the stock was

down a bunch today and that option was

in the toilet yeah that option was down

26 today

and uh owlette itself i don't know what

it was down it was like six or eight

percent or something like that i don't

really care i just saw a toilet and it

could continue to go in the toilet i'm

fully aware of that for me this is

literally there it was down 7.6 it was a

russian roulette like i'm feeling black

y'all okay so

uh if we do really well

please thank me if we don't

go to a different table

find a different stock

like in the casinos when you do well the

dealers are like you're gonna tip me

and when you suck they're just like

okay uh next one so uh this is one that

i probably i can't remember exactly what

i put in it was either it was like four

hundred thousand dollars maybe it was

closer to five hundred thousand dollars

somewhere between four hundred to five

hundred thousand dollars into

lemonade uh yes i put this money into

lemonade i put this money into lemonade

at an average cost of about

72 dollars

i already own a lot of lemonade

i like lemonade i do not think lemonade

is worth like i'm not gonna buy lemonade

over 75 to 80 dollars it's too much for

me it's not 76 right now so like 80s

usually my cut off when it runs into

like this 180 range this was after the

motley fool pump this was insane like

this right here is just pure momentum uh

but sometimes it runs up into that 115

120 range that's a good time to sell

covered calls or sell your call options

on it if you have i personally think

with this market going into this like

risk on movement i think there's a

potential for lemonade to have some

juice

uh and uh let's go and i'm just gonna do

trends real quick uh the reason i think

lemonade is also very interesting oh i

forgot earlier this week we also bought

an october call option on lemonade and

that thing printed two attendees like so

fast i bought like an 80 70 000 option

it was up like 25 000

with the very next day uh i i said in

our course member live stream i'm like

dump it just dump it don't be like me

and i remember saying that like you

could go back and look at this evidence

too i'm like don't be like me don't be

greedy dump it dump and dump it i was

greedy it ended up going to like twelve

thousand dollars up it was still twelve

thousand dollars i'm like okay okay okay

okay i'm gonna settle i'm gonna take my

attendees

uh but yeah sometimes like when you're

looking at like 45 day options like if

you get a big pump like dump them okay

don't be greedy on those it's fine you

know i made 11k on 70k in 24 hours like

i'm i'm not gonna be sad about that do i

look back and like i should have just

sold when i told everybody else to sell

duh but uh you know

lessons to learn

but anyway so why why lemonade okay

they put something up that's really

insane

look at this

car insurance coming now we knew that

car insurance was getting ready to come

but get this okay this is what's crazy

here and insurance is a lower margin

business but lemonade is a very very

smart company okay watch this so root

insurance they do car insurance

and their search trends over if you go

to the past five years their search

trends doing pretty well you've got a

nice uptrend here but it's not perfect

okay not perfect but if you type in

lemonade insurance right now they're

getting popular off pet insurance i kid

you not pet insurance and renters

insurance uh they are they're right here

just below route insurance they're

growing at a faster rate in the google

trends and they don't even have the car

insurance yet which is crazy uh what

they're really popular right now going

popular for the pet insurance it's a

lower margin lemonade insurance for me

is a very long play

i've done i see pet insurance breakout

homeowner's insurance breakout right uh

very long term play for me i like i look

at their website analytics too not just

the social trends i love it they're not

profitable yet they're expected to be

low margin profitable i'm really buying

this as more of a like a firm i could

buy a long run fundamental

uh

owlette russian roulette

that rhymes and uh and lemonade

insurance is

if it runs to like 150 180 i'm gonna

dump it or sell covered calls

if it trades sideways i don't really

care

i was happy with the call that i placed

i do not i don't think i own any calls

right now i might still own some calls

but if anything they would be leaps but

i got rid of my short term call so yeah

hey those are my three trades right now

uh one of them is a yolo one of them is

a long fondy and one of them's

you know if it runs i'mma dump it so

hopefully that is insightful to you and

you like this uh this means i've put

somewhere around

uh close to about a million dollars into

the market because if i add up the 20

the 70 we talked about and then the over

like the 493 and then the other that's

the lemonade that's about a male so i'm

just gonna go with a million

million dollars worth of place all right

and it's true

uh anyway if you want to see these plays

before i announce them publicly or you

want to hear more details or ask me

questions about my mentality your

thought process or whatever i'm not

always right i think i do very very well

though check out my programs linked down

below on anything from real estate

investing stock investing to making

youtube videos real estate agent sales

property management you name it this

course coupon code it does expire august

31st the price just goes up every time

you know sometimes people leave those

cynical comments like the coupon code is

always here yeah but every time the

price goes up so it's like 30 30 30 or

whatever it goes up

net goes up okay folks thank you so much

for being here we'll see you in the next

one bye

[Music]

you