To The Moon

News and my thoughts from the past week (28Jul25) Image US auto loan delinquency rates keep on surging: Subprime auto loan delinquency rates just crossed above 5% for the first time in history. Since 2022, the 60-day delinquency rate for subprime auto loans has more than DOUBLED. Delinquency rates are now above the peak levels recorded in 2008 and 2020. Furthermore, prime auto loan 60-day delinquencies have risen to their highest in 14 years. All while the share of auto loan balances at least 90 days past due hit 5% in Q1 2025, in-line with the 2020 pandemic high. The car market bubble is bursting. - X user The KobeIssi Letter Apart from banks, rising auto loan delinquencies most affect (from Grok): Auto manufacturers (e.g., GM, Ford): Reduced sales from tighter credit and lower demand. De

My Investing Muse (28Jul25) Layoffs & Closure news Microsoft laid off ~16,000+ workers in 2025 (so far). Filed 6,000+ H-1B visa applications. To me, it was about the optics more than anything. The job market isn’t great. H1B isn’t new. But damn, y’all… They told the media it was “just flattening management.” (Only 17% of those cut were actually managers.) The real story? Headcount is shifting... to AI, to vendors, to overseas teams. This is labour arbitrage. - X user Amanda Goodall 58% of students who graduated within the last year are still looking for their first job, according to a recent report from Kickresume. - X user Unusual Whales Image US small farm bankruptcies hit 173 in the H1 2025, the highest since the 2020 CRISIS. Over the last 2 years, bankruptcies jumped 150%. High int

The S&P 500 and Nasdaq have once again posted new all-time highs. NASDAQ (.IXIC) S&P 500 (.SPX) With the Fear & Greed Index sitting in the “Greed” territory, many investors seem to be rushing into risk assets without hesitation. But I’m not one of them. While the dominant narrative may be bullish and perhaps justifiably so, I find myself leaning into selective skepticism. My Core Investment Philosophy: “Buy Low, Sell High” But Not Every Low Is a Buy Let’s start here: I believe in buying low and selling high. It’s a timeless principle, but it’s also one of the hardest to execute consistently, especially in a market driven by hype, algorithms, and short-term emotion. Importantly, not every dip is worth buying, and not every high is worth fearing. It all comes down to context, con

SoFi Technologies ( $SoFi Technologies Inc.(SOFI)$ ) is gearing up for its Q2 2025 earnings report on July 29, 2025, riding a wave of momentum with a 37% year-to-date (YTD) stock surge to $21.20. Fresh off a Q1 performance that boasted 20% revenue growth and a sixth consecutive quarter of GAAP profitability, the fintech darling has investors buzzing. Bolstered by a crypto rally—Bitcoin at $119,000—and its diversified platform spanning lending, financial services, and technology, SoFi is at a crossroads. Will a strong earnings beat propel it to new highs, or could a miss or cautious guidance send it tumbling below $20? This report dives into SoFi’s earnings outlook, stock performance, market dynamics, and strategic investment approaches to navigate

$NVIDIA(NVDA)$ $Advanced Micro Devices(AMD)$ The semiconductor showdown is on, with Nvidia (NVDA) and Advanced Micro Devices (AMD) neck-and-neck in a race to hit $200 per share. Nvidia, trading at $174.94, and AMD, at $173.82, are both riding the AI wave, fueled by big tech’s capex surge and Trump’s “America AI Action Plan.” Nvidia’s dominance in AI chips and AMD’s recent 2% jump on July 25, 2025, keep the competition tight. With earnings looming—AMD on August 5 and Nvidia on August 27—can either stock break $200 first, and will big tech’s spending spree keep the momentum alive? This report dives into their performance, catalysts, risks, and strategic investment approaches to pick a winner in this high-sta