Warren Buffett warned us.

"Be fearful when others are greedy."

These 10 stocks are priced as if nothing can go wrong.

1/10 $AMD 2/10 $TSLA

5 stocks that are expected to grow earnings more than 100% over the next 2 years

1/5 $AVGO: 271% 2/5 $NOW: 214%

I spent over 1000 hours analysing $SoFi and wrote a 60-page deep dive for my college economics major finals.

These are the top 10 reasons SoFi will become the largest bank in America during our lifetimes (A thread) 1 - It is impossible for legacy banks to compete with SoFi on pricing, which is the ultimate differentiator for banks.

Banking giants like JPMorgan and Bank of America each have over 4000 physical branches - these branches are very cost-heavy, as they require construction, maintenance and huge employee counts.

This allows SoFi to offer cheaper loans, higher APY, better cash-back rewards, massive sign-up bonuses; most recently bumping the direct deposit sign-up bonus to $400 and boosting cash APY to 4%.

This is evident in the 3 companies' employee counts - as of today, JPMorgan has 318,500 employees, BoA has 213,000 and SoFi has 6,100.

Furthermore SoFi's revenue/employee efficiency already beats JPM's and is catching up to BOA's rapidly even though SoFi's average customer has only been with the company for 2 years.

2025 numbers:
SoFi: $650,000/employee
JPM: $580,000/employee
BoA: $900,000/employee