Sam W

Carvana made about $6,800 in profit on every car they sold last quarter. The typical used car dealer makes around $1,500. Carvana makes four times as much because the car is just the start of what they sell you. About 85 out of every 100 Carvana buyers finance the car through Carvana. At CarMax, their biggest competitor, the same number is closer to 40. When you click "finance" on Carvana's website, they write the loan at one interest rate, then sell that loan to a bank or pension fund within days. They keep the gap between what you pay and what the bank pays them. That gap, multiplied across hundreds of thousands of buyers, is how they print money. Then come the add-ons. An extended warranty. Coverage that pays off your loan if the car gets totaled. An insurance referral to Root, a digital car insurance company Carvana owns a piece of. Each one stacks on top of the same checkout. The car is the bait. The loan is the meal. Everything else is dessert. This is why selling them your car at a price that felt too generous still works for them. The money they make on that trade-in shows up later, after the next buyer signs. They clean it up, sell it to someone else, and that someone else signs another Carvana loan. This is also why they aren't going anywhere. In May 2022 they bought ADESA, a used car auction company, for $2.2 billion. ADESA came with 56 auction yards across the US. Now Carvana owns the auction yard, the body shop that fixes the car up, the trucks that deliver it, and the lender that funds the next buyer. Every step of that car's journey happens inside something Carvana owns. Three years ago none of this looked like it would survive. Carvana's stock hit $3.55 in December 2022. They had over $5.7 billion in debt. The market thought they were going bankrupt. Then Apollo, a giant private equity firm, led a deal with their lenders that cut $1.2 billion of debt and pushed the deadlines out to 2028. Last quarter they sold 187,000 cars and made $405 million in profit in 90 days. They joined the S&P 500 in December. Their market cap sits near $84 billion. Bigger than Ford. The whole business looks confusing if you think of Carvana as a car company. The math gets simple once you see them as a lender that happens to deliver cars.

🚨 BREAKING: 🇮🇷🇺🇸 Iran's Fars News Agency claims 2 missiles struck a U.S. Navy warship near Jask Island after it allegedly ignored IRGC warnings while attempting to transit the Strait of Hormuz. - The warship reportedly attempted passage without obtaining Iranian permission - Iran claims the vessel was forced to retreat after the strikes - No details yet on damage or casualties - U.S. officials have denied this claim Fars News is Iranian state media.

HORMUZ TENSIONS SPIKE Iran warned the U.S. Navy to stay out of the Strait of Hormuz after Donald Trump said Washington would help free stranded ships, backing the move with military support. Tehran threatened a “harsh” response, as a tanker was reportedly hit and thousands of seafarers remain stuck. Nuclear talks are stalled, with Iran seeking an end to blockades before negotiations resume.

Making fun of others for getting it wrong is a sign of weakness. Don't do it.

$80,000 FOR $BTC IS NOT ENOUGH! yeah, 80k is the sweet number every bull wants to see. but structurally it changes nothing what really matters is a clean hold above 82k and finally killing that damn Bear Flag that’s when the real shift happens - invalidating the bearish structure and confirming the breakout above the major downtrend line 80k looks good. but it’s not enough

Armenians should not serve in Congress. Neither should Somalis. Or Guatemalans. Or — wait for it— Israelis. If you are a citizen of a foreign country, you shouldn’t serve in ours. We need to pass my bill to stop the invasion of dual citizens in Congress. NOW.

@DonAlt It’s cos it wasn’t the same bear market. It was a mid cycle correction ser. You will get your 80% down but in 2029’

I just walked out of church after great service , and I can’t shake this feeling… we’re wasting way too much of the little time we’ve been given. Not because we’re lazy, but because we’re distracted by things that don’t matter. We stress over money, opinions, validation, social media… we hold onto resentment, bitterness, anger, things people said years ago, and none of it serves any purpose in God’s kingdom. None of it is coming with you when this life is over.

The biggest shift in my prayer life was moving from desperation to authority. There was a time I thought prayer was about begging God… Crying louder, fasting longer, hoping maybe heaven would notice me. But then light came. God is not asking us to beg… He is asking us to believe. Begging comes from uncertainty. Authority comes from revelation. When you don’t know who you are in Christ, you will pray like a victim. When you know who you are, you will pray like a son. The Bible says: “Let us therefore come boldly unto the throne of grace…” (Hebrews 4:16) Not crawling. Not shrinking. Boldly. Why? Because you are not a stranger trying to gain access… You are a child who already belongs. Listen—prayer is not convincing God to do what He is reluctant to do. Prayer is enforcing what He has already made available in Christ. That’s why you will never pray amiss if you pray scriptures. Because when you pray scriptures, you are not speaking your emotions… You are speaking His will. “And this is the confidence that we have in him, that, if we ask any thing according to his will, he heareth us.” (1 John 5:14) Scriptures reveal His will. So when you pray the Word, heaven has no option but to respond. Instead of saying: “Lord… please help me, I don’t know what to do…” You rise and declare: “The Lord is my shepherd; I shall not want.” (Psalm 23:1) Instead of saying: “God, I’m afraid…” You stand on His Word: “For God has not given me the spirit of fear; but of power, and of love, and of a sound mind.” (2 Timothy 1:7) Instead of begging for victory, you declare: “In all these things we are more than conquerors through him that loved us.” (Romans 8:37) This is the difference. Desperation prays from lack. Authority prays from finished work. Jesus already paid the price. He already secured the victory. You are not trying to win… You are enforcing what has been won. So when you pray, don’t come like someone trying to persuade God. Come as one who knows: “I have access.” “I have backing.” “I have authority in Christ.” Let your prayers be filled with Word. Let your mouth speak what heaven has already said. Because when God hears His Word in your mouth… He confirms it. Stop begging. Start believing. Stop pleading. Start declaring. You will never pray amiss… If you pray scriptures.

Deuteronomy 31:6 "Be strong and courageous. Do not be afraid or terrified because of them, for the Lord your God goes with you; he will never leave you nor forsake you." Our lord and savior is with us always. He makes us strong.

Another positive weekly close for Bitcoin. We now have 2x weekly closes above the 2025 yearly low and back inside HTF bullish structure. And this has happened after macro bottom oversold conditions and the lowest ever 1W MACD reading, that has now turned higher. In addition this is the second close above the Bull market support band, with a bullish cross. When an asset is weak it does not hold key levels well. Rejections happen fast and the moves down from there is usually even faster. Especially once HTF structure has been lost. Fake outs happen quickly, which is why you always want 2x weekly closes to confirm a trend change. In my view there are now sufficient confirmations to conclude that the bottom is very likely in, and apart from some LTF retraces to tidy up some liquidity, that we will continue to move higher. If we were to lose $73,500 on the weekly I would consider this weak and re-evaluate from there. But for now, I think the $80k's are coming and Bitcoin will start to work its way through all of the resistances above. The true market mean has been defeated at $77.5k... Short term holder cost basis is next at $78.7k, then we have 1D 200EMA and 1W 50EMA. Let's see how we get on!

80 000 United States Dollars! Must suck calling for new lows every week.

Not a single bear on the timeline tonight 🤣

I'd rather sit at a table full of sinners who admit their mistakes and struggles than at a table of those who pretend to be saints.

Bitcoin is nearing an interesting spot on the chart. It's the intersection of 2 trend lines and one horizontal resistance level. As such, I give $BTC a 50% chance of finding a local top around this intersection spot, but if it happens to break above the channel, then it probably moves a good deal higher, perhaps finding a local top around the $84k-$86k zone (where the most immediate and signficant horizontal resistance can be found from the previous consolidation range). As such, I'm spacing out my next profit taking (10% of my portfolio) in two tranches-- half of my sells just under $80k and the other half around $84k. I am obviously still of the belief that this is a relief rally and we'll see a revisit of $60k's range (or lower) later this year. I notice in the comments section of my recent posts that quite a few of you disagree that we are in a relief rally. These individuals strongly believe we are in a bull run, and that "this time is different" for all sorts of various reasons and charts. I disagree, but that's ok and I'm not going to attack anybody for differing views (after all, there's always a chance I am wrong, as any analyst could be with any market view at any time). So, just know that I respect your choice to disagree with me, even if we don't see eye to eye. All I ask is that you keep it civil in the discussion. At least I have the cajones to speak my mind. Whether I end up being right or wrong, that alone should be worth something.

URSULA VON DER LEYEN: LOOKING BACK, I BELIEVE IT WAS A STRATEGIC MISSTEP FOR GERMANY TO ABANDON NUCLEAR ENERGY — IF WE ARE SERIOUS ABOUT CLIMATE, BOTH GAS AND COAL ARE FAR MORE HARMFUL THAN NUCLEAR.

This is the most hilariously manipulated market in history. Even if predictable.

And there it is

MASSIVE 🔥— Florida Governor Ron DeSantis has dropped a bombshell by demanding the complete elimination of property taxes across the U.S.A. "It's almost like they have to pay rent to the government, just to be able to enjoy their property. That's wrong. We need to do something."

Some days, I still see myself as the sixteen-year-old girl from Goose Creek. She dropped out of high school. She worked at Waffle House. She had no idea what God had in store for her. She became the first woman to graduate from The Citadel Corps of Cadets. Now, she is the leading candidate for governor of South Carolina. Life will knock you down. It will test your resolve. It will test your faith. It will make you question everything. But God's plan is perfect, even when ours falls apart. Keep the Faith. Believe in Him.