Peter Parker

@DataDInvesting Chris - I am sure you were instrumental in driving this important outreach initiative. Despite flawless execution by @anthonynoto and the @sofi team, the gap between investor peception and reality remains large. We need an analyst day in SF over the summer. Make it happen.

$SOFI continues to improve our outreach to our investor community.

Nobody is going to love a girl more than her father ❤️🥹

@SperrysandNikes "There is a road, no simple highway, between the dawn and the dark of night, and if you go, no one may follow, that path is for your steps alone "

In the darkest hour of my life, when everything felt stripped of color and consequence, the Grateful Dead found me. I didn’t go looking for them. I wasn’t searching for enlightenment or salvation. I was just trying to get through the days without feeling the weight of everything pressing down on my chest. Life had narrowed into something small and joyless, a routine of endurance rather than living. And then, almost by accident, I heard them, not as background music, but as an invitation. The Grateful Dead didn’t offer easy answers or tidy resolutions. What they offered was permission. Permission to feel everything at once, grief and gratitude, longing and laughter, confusion and wonder. Their music wandered the way I felt inside, unpolished, exploratory, unafraid of getting lost. In those long, meandering jams, I realized that being lost wasn’t a failure. Sometimes it was the point. There was something deeply human in the way they played. Notes bent and frayed, songs dissolved and reassembled themselves, mistakes became moments of grace. It reminded me that life didn’t need to be perfect to be meaningful. It just needed to be honest. When Jerry sang about broken dreams and strange highways, it felt less like a performance and more like someone sitting beside me, saying, I’ve been here too. Slowly, almost imperceptibly, the world began to open back up. Their songs taught me to listen again, to sunsets, to strangers, to the quiet hope hiding inside even the hardest days. Beauty, I learned, isn’t always loud or triumphant. Sometimes it’s subtle, fleeting, and fragile, like a melody that only exists once and is never played the same way again. The Grateful Dead showed me that life is less about control and more about surrendering to the flow. You don’t dominate the current. You ride it. You trust that even when the path bends unexpectedly, it’s still taking you somewhere worth going. That realization didn’t fix everything, but it gave me something better, perspective. In my darkest hour, they didn’t pull me out of the darkness. They taught me how to see in it. They showed me that joy can coexist with pain, that meaning can be found in the mess, and that there is profound beauty in simply being here, still listening, still moving forward. Once in a while, you get shown the light, in the strangest of places if you look at it right. Thank you for everything, Bob.

@DataDInvesting @HertzyTrades $SOFI TAM > $HOOD TAM

@HertzyTrades If you aren't an active investor, you don't use $HOOD. There are 9 people who use $SOFI at my office. There are 3 that use $HOOD. Their target audiences don't have significant overlap

Serious question for the $SOFI mafia How many of you actually use the platform? I think $HOOD is superior, and once banking comes it could get even more interesting.

@asianrae An uber driver in Indy told me: "CC runs this bitch"

t thinking caitlin runs everything in indy is killing me 😭

@averyzaretsky "Miller plays physical, he's nasty and he scores goals, he's everything that the Rangers are not." - Ray Ferraro #NYR📷

People were ACTUALLY upset with acquiring J.T. Miller 😭 The guy is an absolute savage out there.

@wholemars "When programmers build an AI with a better human capacity for AI design, the instrumental goal for self-improvement may motivate a positive feedback loop of self enhancement. When the machine intelligence improves itself, it improves the intelligence that does the improving"

We are about to witness the sharpest pace of FSD performance improvements ever seen

@wholemars Game over for Waymo. This is a winner take most market. Waymo's expensive hardware stack can't scale; and, therefore can't compete with the 30K @TeslaCybercab. Lowest cost per mile wins.

This is coming from the guy who owns Waymo…

@CathieDWood Game over for Waymo. This is a winner take most market. Waymo's expensive hardware stack can't scale; and, therefore can't compete with the 30K @Tesla Cybercab. Lowest cost per mile wins.

With a tiny fraction of cars compared to Uber and Lyft, Waymo is beginning to disrupt the raid-hail market in San Francisco. When $TSLA’s solution enters the market next year, the transition is likely to shift from “slowly, slowly” to “all at once”. Can’t wait!

@DataDInvesting @elonmusk

The entrance to my kids' public elementary school is lined with artwork of the Founding Father's achievements and quotes from them or about them that pay homage to their sacrifice to found our nation and the ideals it was built upon. The school participates in the Great American Challenge in 5th grade. They hold a special assembly to honor kids who earn the award. My daughter proudly has her trophy in her room. To earn the award, they have to: Recite the Gettysburg Address from memory Recite the full names of all 46 presidents in order from memory Locate and spell correctly the 50 states and capitals on a map Recite or sing our National Anthem, "The Star Spangled Banner," by heart Recite the Preamble to the Constitution of the United States from memory Write the Pledge of Allegiance with correct spelling, capitals, and punctuation They also participate in Hope of America, a program that gathers 8000+ 5th and 6th graders from over 100 schools. They sit in the formation of the American Flag and sing and perform songs commemorating the Declaration of Independence, tributes to our Founding Fathers, songs of appreciation for first responders and the military, and songs that are meant to remind us and them how much we love America and the responsibility we have to be a light to others. Not all education has been captured. You just have to live in a place that still loves America.

American education has been broken for a quarter century

I fundamentally don’t understand OnlyFans. The scale is insane. Who is paying for this? Why?

After decades of fighting it, fearing it, running from it, I'm finally writing my memoir, my story of psychosis & bipolar & psych wards & rehab, & how all of it turned me into a poet, a believer, a father trying to break the chain of pain. I hope you read it someday, & I hope my story helps you, somehow, with yours. 🕯️

@NYP_Brooksie Too much hugging, not enough shoving.

Pregame column. Half measures are not enough. nypost.com/2024/11/25/spo…

@RiskyBirdness @VadimKotlarov @DataDInvesting Lots of hands in this pie.

Still learning more. Here is my guess: 1. BNY Mellon: Manages the overall program. 2. Mastercard: Provides the payment network. 3. Galileo: Supplies payment processing technology. 4. MoCaFi: Offers digital banking services. Maybe a website and app? 5. Senture: Handles front office customer service operations. 6. Sunrise Banks: Acts as the card issuer. 7. Ubiquity: Provides back-office support services.

Huge $SOFI tech platform win!!! Galileo will be the prepaid debit card provider for the US Treasury's program. Congrats to the Galileo team!

@vzmercogliano Mika 2024/2025 vs. Mika 2022/2023

It actually felt like the #NYR played better in spurts, but costly mistakes led to their downfall against the NHL-best Jets — and it was some of the usual suspects at the center of those blunders 👇🏼 lohud.com/story/sports/n…

If you don't heal what hurt you, you will bleed on people who didn't cut you.

Always bet on the jockey @anthonynoto Fresh horses we ride !🏇 $SOFI

@JKBOGEN It all starts at the top.

Cowboys not starting Trey Lance is embarrassing. Almost as embarrassing as hiring Mike Zimmer as your DC. Almost as embarrassing as letting Dan Quinn walk to keep Mike McCarthy as your HC. Almost as embarrassing as not paying Derrick Henry and relying on Zeke Elliott in 2024. The Cowboys have not gotten past the divisional round since before I was born. Embarrassing franchise.

@DataDInvesting $SOFI 10M members by year-end. The more members on the platform - the more valuable it becomes. " The huge heavy flywheel disc flies forward with almost unstoppable momentum. " - Jim Collins " Good to Great"

$SOFI set a new all-time record high for fintech personal loan originations last quarter, even higher than $UPST during peak stimulus ZIRP days. Upstart hasn't reported yet, but will almost certainly be at around 1/3 of their peak ZIRP originations. $LC is at 50% of their peak origination days. SoFi has grown originations by ~100% since that same time period. SoFi's market share between these three companies in 1Q22 was 20%. It will be around 60% this quarter. Member growth drives product adoption drives results. Yes, SoFi, like every financial company, is affected by the macro environment, but all of these companies faced the same macro. Two of them have seen their business contract by half or more. One of them has seen their business double. And personal loans are a larger part of both Upstart and LendingClub's businesses than they are for SoFi. SoFi is, once again, in a class of one.

@TravisHoium Lending as a service w/ nominal marginal cost; enabling $SOFI to monetize excess loan demand with zero capital at scale. Game changer.

$SOFI The financial services growth is insane!