Laminate Money

On this week's episode we talk about the end of earnings season, the real estate market, and Jerome Powell in Jackson Hole.

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On this week’s episode we talk about the biggest things that happened in the last week.

We talk about T-Bills and whether or not you should buy them, Bill Ackman’s position on Twitter, the housing market, and what it means to be a legendary investor.

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Stocks

Is It Time to Time to ‘Buy a T-Bill and Chill’?

https://apple.news/A0EqZt0zcR2iQJcvTzEuQ4g

The Mindset for Investing

https://www.linkedin.com/posts/tomstadum_heres-the-break-down-ok-investors-know-activity-7116512516305801217-aC5x/?utm_source=share&utm_medium=member_desktop

Sequoia “GPU Capacity is Being Overbuilt”

https://www.sequoiacap.com/article/follow-the-gpus-perspective/?utm_source=substack&utm_medium=email

Earning Season

https://insight.factset.com/sp-500-financials-sector-earnings-previewq3-2023

Bill Ackman buying X - why is this interesting?

Economy

America’s Factory Boom Brings Billion-Dollar Projects to Tiny Towns

https://www.bloomberg.com/news/features/2023-10-05/ev-factory-investment-brings-changes-to-american-small-towns?utm_campaign=news&utm_medium=bd&utm_source=applenews

Home Prices Are More Tied to Employment Than Rates

https://www.linkedin.com/feed/update/urn:li:activity:7115709759969783810/

On this week’s episode we get back into the swing of things and we talk about some really important personal finance lessons. Since it’s been a month since our last episode we wanted to give a recap of what happened over that month, why it matters that you should pay attention to it, and how knowledge compounds.

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Level Three Autonomy has Arrived in the Benz (https://www.theverge.com/2023/9/27/23892154/mercedes-benz-drive-pilot-autonomous-level-3-test)

Economy

The Unstoppable Dollar (https://apple.news/AEgbNuEl_T_i-nrTPdQ8KFw)

Student Loan Payments Start Again (https://www.cnbc.com/2023/10/01/how-the-restart-of-student-loan-payments-could-shake-the-economy.html)

Personal Finance

Knowledge Compounds - Tired and Rich

Dandelion Decision Making

On this week’s episode we had four big things happen this week - a plane falling out of the sky in Russia, a presidential election debate, the world’s most powerful people hanging out in Wyoming, and one of the best company runs in history. And were going to tell you why this matters and how these event impact you and your money.

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Show notes:

Nvidia’s data center revenue doubled in the quarter - among other massive achievements

What Cisco can teach us about Nvidia

How diet pills are hurting the Danish economy

The next big IPO will test the market and AI

Your phone may be getting a new charging port

Millions of dollars are going to space to make drugs and semiconductors

0-DTE options have accounted for 43% of S&P 500 options in 2023 🤯

Did Hawaii Electric cause the Maui wildfires?

Prigozhin dies in a plane crash - Putin called his fate “complicated” and said “made serious mistakes in his life.”

Jerome Powell is on his annual mountain retreat

What home can you actually afford, by mortgage payment

Rising insurance costs start to hit home sales

Some crazy stories about big decisions

(Sorry we forgot to publish this last Wednesday, another episode dropping on Wednesday)

On this week’s episode we talk about asset demographics in the US and why they exist, the cost of timing the market and why it doesn’t always work, how mortgage rates and rates in general are staying higher for longer, SpaceX’s quarterly earnings, and the $900,000 AI job.

On this week’s episode we discuss the $1 trillion credit card debt number and why that doesn’t matter, Andy Jassy’s 3 layers to generative AI and LLMs, forecasted AI investment over the next 3 decades, what could cause interest rates to continue higher, July CPI and shelter inflation, the continuously crazy jobs market, and how American’s home equity may keep the economy afloat.

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On today’s show we discuss the future of technology stocks in the 2023 market, EUV and ASML’s “monopoly on magic”, the risk reward of the stock market and why it may be deceiving, China’s deflations worries and what that may mean for the world economy, the downgrade on US debt and it’s implication on the market, the potential Birkenstock IPO, and the mall that sold for 93% LESS than it was worth in 2012 and the current Fargo housing market.

On this week’s episode Tom and Jacob talk about financial literacy, Google and Microsoft’s spend on AI, investor bearishness, the GDP shocker, the rate hike, and Sequoia’s dumping of their crypto fund.

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Suggestion

No one knows what to do, though they know who can help them

What Went On

Investors frequently make less than their investments

Investors are still bearish - even after a double digit year so far

Google and Microsoft are paying big to play AI

Growth isn’t even slowing

Powell: “we need to get this done”

Say goodbye to the crypto fund

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Chapters

00:00 - Introduction

01:43 - Welcoming Tom back to the Pod

02:16 - Financial Literacy in America

16:59 - People Tend to Underperform their Investments

22:05 - Investors are Bearish Despite a 20% Rally in the Stock Market

26:57 - Google and Microsoft are Paying Big to Play in AI

32:45 - GDP Accelerates 2.4%

35:43 - Jerome Powell "We need to get this done."

41:14 - Protection on the Stock Market is "the cheapest you've ever seen"

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This podcast is for informational purposes only and should not be relied upon as a basis for investment decisions. Tom Stadum, Dan Schuster, Jacob Radke, and Noah Gjesdahl work for Fjell Capital in Fargo North Dakota and all opinions expressed by Tom, Dan, Jacob, Noah, or any podcast guests are solely their own opinion and do not reflect the opinions of Fjell Capital. Tom, Dan, Jacob, and Noah are registered representatives of Sanctuary Securities and investment advisor representatives of Sanctuary Advisors. Fjell Capital is a DBA of Sanctuary Securities and Sanctuary Advisors.

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money, investing, investments, markets, stocks, bonds, the fed, stock market, rithotlz wealth management, the compound and friends, animal spirits, the all in podcast, josh brown, laminate money podcast, personal finance, dave ramsey, why should you invest, why do people invest, how to invest, financial education, american debt, budget money debt cash, personal finance, how to invest in real estate, how to start in real estate, compound interest, buying house, save, insurance, buy, snowball, pay off debt, debt free journey, financial independence, how to pay off debt, how to pay off student loans, debt snowball, tom stadum, jacob radke, noah gjesdahl, fjell capital, fjell fargo, fargo north dakota, fjell, layer by layer, financial life

On this week's episode Jacob and Dan sit down and talk about the difference between good or bad and better or worse, AI and all of the sudden new developments over the last week, the speculative stock boom, the VIX at multiyear lows, holding cash while the market is running, and Netflix’s and Meta’s ad strategy.

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Suggestion

The Investment Fallacy of Good or Bad (https://www.fjellcapital.com/posts/the-investment-fallacy-of-good-or-bad)

What Went On

Let’s talk about AI

Microsoft (https://www.cnbc.com/2023/07/18/microsoft-stock-hits-all-time-high-on-new-copilot-ai-subscription.html)

Apple (https://www.msn.com/en-us/news/technology/apple-added-71-billion-to-its-market-value-after-news-that-it-s-been-secretly-building-an-apple-gpt-to-rival-openai/ar-AA1e7icN)

Meta (https://www.reuters.com/technology/meta-opens-ai-model-commercial-use-throwing-nascent-market-into-flux-2023-07-18/)

Speculative stocks are soaring (https://www.wsj.com/articles/tech-stocks-meme-stocks-crypto-investors-are-feeling-bold-again-f158812b?st=j78bddzehyo9jd4&reflink=desktopwebshare_permalink)

The VIX is way down, lowest since before COVID (https://www.axios.com/2023/07/19/the-stock-markets-volatility-index-points-toward-a-bull-market)

Did you miss it? (https://thisisthetop.substack.com/p/you-missed-it)

Key line: What you don’t want is your excitement around cash yields to prevent you from putting your money to work.

Netflix added 5.9 million subscribers in the quarter (https://www.cnbc.com/2023/07/19/netflix-earnings-show-strength-amid-media-chaos.html)

Ads on Threads (https://www.bigtechnology.com/p/advertisers-to-zuck-take-our-money)

On this week’s episode Tom, Jacob, and Dan talk about their thoughts on the year so far, Goldman Sachs price target raise, slower inflation (and the markets fantastic week), JPMorgan’s surge in earnings, the state of VC funding, empty commercial space, and why you should do hard things.

Email us at [email protected] for questions or suggestions for future topics.

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Suggestion

Thoughts on the year so far

What Went On

Goldman raises target on the S&P 500 to a 25% of $4,800 by the end of the year

Stocks rip on slower inflation

JPMorgan’s profit jumped 67% on First Republic

Banking regs are getting stricter

VC funding is in shambles

What does all of this empty commercial space look like

Do hard things