Welcome back to another engaging clip of Market Mondays! In this edition, Rashad, Troy, and Ian dive deep into the insightful question: If you had to restart from scratch today, knowing everything you know now, what would your top three money moves be?

Hear Rashad Bilal share his personal journey, breaking down why starting with a service-based business with low overhead can make all the difference for someone starting from zero. Troy Millings offers actionable advice on leveraging multiple streams of income from a single job, sharing inspirational personal anecdotes. Ian Dunlap emphasizes the importance of building a business, long-term investing, and the value of helping others first as a core money strategy. Plus, the trio discusses the importance of speed when executing on investments and surprises from Ian’s snowboarding adventure!

This conversation is laced with actionable financial advice, lessons in entrepreneurship, and reflections from real-life experiences. It’s an invaluable listen for anyone looking to rethink and refine their financial journey, whether starting out or starting over.

*Timestamps:*

0:00 Rashad on starting from scratch - prioritizing a low overhead service-based business

2:25 Rashad’s strategy: leveraging your network and reinvesting profits

3:26 Ian’s three-step approach: build a business, long-term investment, and trading futures

4:36 Troy on creating multiple income streams within your job

5:55 Reflections on speed, execution, and smart investments

Get inspired and take actionable steps today to build a financially secure future!

#MarketMondays #Entrepreneurship #FinancialFreedom #InvestingTips #MoneyMoves #PersonalFinance

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Buying a car can be overwhelming, but we’ve got you covered! In this episode of Black Out, we sit down with car expert Christian Charvet to break down everything you need to know before making a purchase.

We explore the pros and cons of leasing vs. buying, helping you decide which option makes the most sense for your financial situation. We also uncover the hidden language that dealerships use to upsell, lock you into bad deals, and manipulate financing terms. Whether you’re debating between a new or used car, we discuss the benefits and pitfalls of each and share expert tips on how to avoid costly mistakes.

Most importantly, we reveal insider negotiation strategies that can save you thousands. Learn how to spot dealership tricks, what to say to get the best price, and why walking away might be your most powerful tool.

If you’re in the market for a car or just want to arm yourself with knowledge before stepping into a dealership, this is a must-watch!

#BlackOut #CarBuying #LeasingVsBuying #CarDeals #AutoExpert #ChristianCharvet #NewVsUsed #CarTips #CarBuyingGuide #DealershipTricks

- **Guest Introduction and Background**

- [00:01:00]

- **Importance of Car Buying Education**

- [00:03:12]

- **Car Market Changes (COVID and Post-COVID)**

- [00:05:28]

- **Being Prepared When Going to a Dealership**

- [00:07:10]

- **Credit Scores and Their Importance**

- [00:10:22]

- **Used Cars vs. New Cars**

- [00:12:55]

- **Leasing vs. Financing**

- [00:20:01]

- **Researching and Finding Deals & Incentives**

- [00:22:40]

- **Getting a Good Deal**

- [00:27:00]

- **Hidden Fees and Upselling Tactics**

- [00:31:20]

- **Early Termination Fee and Lease End Process**

- [00:40:05]

- **Deep Dive into Leasing and Financing**

- [00:41:36]

- **Tax Incentives and EV Incentives**

- [00:45:50]

- **Understanding Trade-In Values**

- [00:50:25]

- **Dealership Language and Terminology**

- [00:55:52]

- **Gap Insurance**

- [01:01:41]

- **Financing Through Dealership vs. Third Party**

- [01:03:31]

- **Down Payments on Finance Vehicles**

- [01:06:12]

- **Advice for First-Time Car Buyers**

- [01:08:15]

- **End of Lease Guide**

- [01:10:20]

- **Conclusion and Contact Information**

- [01:14:04]

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Welcome to the first installment of Market Mondays, where Rashad Bilal, Ian Dunlap, and Troy Millings dive deep into strategic investment advice! In this clip, our experts break down effective strategies for investing $100,000, outlining how to maximize returns while managing risk. Whether you are a seasoned investor or just beginning your financial journey, this discussion offers invaluable insights tailored to help you make informed decisions.

*Key Points Covered:*

1. **Investing in Index Funds and Tech Stocks**:

• *Rashad Bilal* kicks off the conversation by querying the best strategy for investing $100,000 to maximize returns while managing risk.
• *Ian Dunlap* shares his tried-and-true strategy of dividing the investment, putting half into index funds like VTI and VGT, particularly during market dips, to avoid buying at all-time highs. The other half should go into technology stocks such as Apple, Microsoft, and Nvidia, emphasizing their foundational role in our tech-driven world.
• He highlights the importance of understanding one's risk appetite and choosing the right price points for entry.

2. **Risk Management and Strategic Investment**:

• *Ian* underscores the significance of balancing risk through diversification—splitting investments between index funds and tech stocks to mitigate potential losses without sacrificing potential gains. He also warns against impulsive investments in unstable stocks such as GameStop, advising viewers to listen to proven strategies.

3. **Troy Millings' Real-World Example**:

• *Troy Millings* shares his personal experience from 2021 at Market Mondays Live at the Apollo, where he allocated $100,000 into three ETFs: SMH, XLK, and XLY. By splitting the investment equally among these ETFs, he protected his portfolio from individual stock volatility, resulting in a lucrative return of up to 1200%.
• His anecdote underscores the value of calculated risk management and the potential for high returns when investing in diverse sectors.

4. **Educational Investment Tips**:

• Both experts stress the importance of education and informed decision-making in investing. They discuss the merits of long-term option leaps and the protection ETFs offer against market swings.
• They encourage listeners to adjust these strategies based on their financial capabilities, even if they don't have a full $100,000 to invest. By adapting the same principles on a smaller scale, such as $1,000 or $10,000, investors can still benefit from strategic allocation and sector protection.

Stay tuned for more insightful discussions and practical advice in future clips. Make sure to hit the like button, subscribe to our channel, and ring the notification bell so you never miss an update from Market Mondays!

**Hashtags**:

#MarketMondays #Investing101 #TechStocks #IndexFunds #InvestmentStrategy #FinancialFreedom #SmartInvesting #RiskManagement #WealthBuilding #FinancialEducation #InvestingTips #StockMarket #MarketInsights #RashadBilal #IanDunlap #TroyMillings #ETFs #StockInvesting

---

Dive into the full discussion to equip yourself with the knowledge needed to make sound investment decisions and join our community in achieving financial success!

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Welcome back to Market Mondays! In today's compelling clip, we're excited to host financial literacy advocate and entrepreneur John Hope Bryant. John delves deep into the crucial role of credit scores in our lives, emphasizing why improving your credit score by 100 points can be as life-changing as finding God or discovering true love.

*Key Insights in This Clip:*

• **Economic Decisions in Elections**: John starts by sharing a thought-provoking perspective on politics and economics. He argues that political elections are often more about financial outcomes than social issues, underlining the vital role of the economy in shaping leadership decisions.

• **Capitalist Reality**: He highlights the fundamental truth of our society — we live in a capitalist democracy where almost every aspect of life is intertwined with economics. From the operations of churches to the global agricultural history, he makes it clear that money matters in all spheres.

• **Credit Scores in Marriage and Life**: John humorously yet seriously discusses how credit scores should be a key consideration in personal relationships. He points out that after the initial attraction fades, financial compatibility remains crucial, making your partner a business partner for life.

• **Historical Economic Context**: He provides a historical context, explaining how economic needs, rather than just social prejudices, have driven events like slavery. Recognizing the agricultural skills and resilience of enslaved Africans, he illustrates how economic incentives have shaped societal structures.

• **Widespread Impact of Financial Literacy**: John underscores the undeniable impact of money on various social issues, including divorce, domestic abuse, stress, and politics. He asserts that understanding and managing finances can alleviate many of these problems.

• **Power of Good Debt and Credit**: Using examples of successful billionaires, he explains how good debt and high credit scores have been fundamental to their success. He stresses that improving one's credit score opens doors to better financial opportunities.

• **Consequences of Poor Credit**: He paints a stark picture of neighborhoods with low credit scores, highlighting the high costs of living, increased crime rates, and lower life expectancies. He contrasts this with high credit score neighborhoods, showing the vast difference a good credit rating can make.

• **Challenges in the Black Community**: John addresses the specific challenges faced by African Americans in terms of credit scores and financial opportunities. He discusses the average credit scores within the Black community and the larger economic implications, including lower homeownership rates and future financial predictions.

• **Empowerment Through Credit**: Despite the challenges, John offers hope by emphasizing the empowerment that comes with fixing your credit score. He states that improving your credit can transcend racial and socio-economic barriers, allowing for greater financial freedom and opportunities.

Watch this informative clip and discover why John Hope Bryant believes that moving your credit score 100 points can be transformative for anyone. Don't forget to like, comment, and subscribe for more insightful conversations on Market Mondays!

*Hashtags:*

#MarketMondays #JohnHopeBryant #CreditScore #FinancialLiteracy #EconomicEmpowerment #MoneyMatters #Capitalism #FinancialFreedom #HomeOwnership #PersonalFinance #WealthBuilding #SelfEmpowerment #BlackWealth #SmartInvesting #CreditRepair

---

Feel free to leave your questions and thoughts in the comment section below. We're here to help you navigate your financial journey!

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Welcome to Market Mondays! In this episode, hosts Ian Dunlap, Troy Millings, and Rashad Bilal dive deep into the most significant financial mistakes people should avoid in 2025. Whether you're experienced in investing or just starting, this video is packed with valuable insights you won't want to miss!

*Key Discussions:*

*0:00 - Biggest Financial Mistakes for 2025:*

Ian Dunlap kicks off the episode by emphasizing the importance of staying focused and not getting distracted by irrelevant conversations or social media debates. He shares a personal anecdote about someone who stopped making gains simply because they got distracted.

*1:09 - Eliminate Distractions:*

Ian continues discussing the importance of eliminating distractions from your life to stay financially productive. He urges listeners to consistently invest in their chosen asset class—whether it's crypto, equities, real estate, or business—for long-term gains.

*3:08 - Buying a Home:*

Rashad Bilal highlights the biggest mistake people can make: buying a home they can't afford or aren't prepared for. Referencing the advice from their episode with Kiana Watson on real estate, Rashad brings up Cash Doll's financial regret of buying an expensive mansion as a cautionary tale.

*4:36 - Learning from Experience:*

Troy Millings adds that it's crucial to learn from experiences and those who've made mistakes before you. He emphasizes that many people don’t openly share their pitfalls, making it all the more essential to pay attention to those who do.

*5:09 - Avoiding Bad Advice:*

Troy warns against letting others trick you out of your position, whether it’s in investing or any other aspect of life. He advises to stay committed and not let momentary distractions or misleading advice divert you from your goals.

*6:45 - Long-term Vision:*

Ian and Troy discuss the importance of staying committed for the long haul. Ian uses the recent example of the banking elite overtaking the retail crypto market to drive home the point: stay locked in and think long-term.

*Additional Resources:*

• *Things to Know Before Buying a Home ft. Kiana Watson:* [Watch here](#)

This episode shares essential tips for prospective homebuyers to prepare and avoid common pitfalls.

*Hosted by:*

• Ian Dunlap
• Troy Millings
• Rashad Bilal

*Why Subscribe?*

Market Mondays brings you weekly insights on investing, financial planning, and economic trends, making it easier than ever to make informed decisions. Tune in every week to get the latest updates and strategies from industry experts.

📌 *Don't forget to like, subscribe, and hit the notification bell* so you never miss out on our latest episodes!

#MarketMondays #FinancialMistakes #Investing #RealEstate #Crypto #StockMarket #FinancialPlanning #IanDunlap #TroyMillings #RashadBilal

---

By focusing on common pitfalls and providing insightful advice, this video aims to help viewers navigate their financial journeys more effectively. Whether you're looking to avoid mistakes in the real estate market or seeking ways to stay focused on your investment goals, this Market Mondays episode has you covered.

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Welcome to another insightful clip from Market Mondays! In this clip, our hosts Rashad Bilal, Troy Millings, and investor Ian Dunlap dive into an essential topic for all investors: the best stocks under $100 worth buying. Whether you're a seasoned investor or just starting, this discussion offers valuable insights into making informed investments.

*Time Stamps:*

00:00 - Are there any stocks under a hundred dollars worth buying?

00:04 - Ian Dunlap's take on Nvidia and AMD

01:15 - Troy Millings' picks: Micron and Dell

02:07 - Best practices for portfolio management

03:12 - Importance of using an LLC for trading accounts

04:14 - Avoiding overextension in multiple stocks

*Key Highlights:*

• **Nvidia (NVDA)**: Ian Dunlap emphasizes that Nvidia remains a compelling pick even after its stock split, noting that it's a promising long-term investment. He suggests that investors should consider buying Nvidia stocks, especially if they dip under $100. With Nvidia's current growth trajectory, it could reach $350 in a few years.

• **Advanced Micro Devices (AMD)**: Ian and Troy have a spirited debate on AMD, but they both agree it is a worthwhile investment. Like Nvidia, AMD is projected to perform well in the long-term, especially as the tech landscape continues to evolve.

• **Micron Technology (MU)**: Troy Millings highlights Micron's vital role in data storage, particularly in connection with GPUs and AI applications. With Micron priced around $90, it stands as a strategic investment for those interested in tech stocks.

• **Dell Technologies (DELL)**: Known for its reliability and adaptation to the AI revolution, Dell is another stock Troy recommends. Sitting at $100, Dell offers long-term growth potential, especially in data center infrastructure.

• **Best Practices for Trading**: Rashad and Ian stress the importance of not risking more than 10% of your portfolio on trades to avoid irrational decision-making. For instance, if you have $100,000 to invest, only $10,000 should be used for trading to maintain a balanced portfolio.

• **Use an LLC for Trading Accounts**: The hosts suggest setting up an LLC for your trading activities. This provides protection against lawsuits and helps manage risks better if you're handling significant amounts of money in brokerage accounts.

• **Consolidate Investments**: Rashad finishes by advising against spreading investments too thin across multiple stocks. Holding too many positions can dilute your returns and make it challenging to see meaningful gains.

This clip offers not only stock picks but also valuable advice on managing your portfolio and protecting your investments. Whether you're interested in Nvidia, AMD, Micron, or Dell, the goal is to make smart, informed decisions and hold these stocks with a long-term vision.

*Don't forget to like, subscribe, and hit the notification bell to stay updated with the latest market insights and investment strategies from Market Mondays!*

*Hashtags:*

#MarketMondays #StockMarket #Investing #Nvidia #AMD #Micron #Dell #StockTips #FinancialAdvice #LongTermInvesting #AssetProtection #InvestmentStrategy

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In this insightful episode of Earn Your Leisure, we engage in a comprehensive discussion with certified credit educator Shonda Martin, who shares her personal journey from grappling with poor credit to becoming a leading authority in credit education. Shonda offers practical strategies to enhance your credit score effectively.

A key focus is on understanding credit utilization; she emphasizes the importance of maintaining a low credit utilization ratio, advising that keeping it under 10% can significantly boost your score. Additionally, Shonda underscores the critical role of timely payments, noting that consistent on-time payments are fundamental to credit improvement.

She also delves into the process of building a solid credit history, providing guidance on establishing and maintaining good credit practices, even for those starting anew. The discussion includes insights into the use of secured credit cards as a valuable tool for rebuilding and enhancing your credit profile.

Furthermore, Shonda highlights common pitfalls that can harm your credit score and offers advice on how to avoid them. Whether you’re aiming to repair damaged credit or build a strong credit foundation, this episode provides actionable steps to help you achieve your financial goals.

#CreditScore #ShondaMartin #EarnYourLeisure #CreditRepair #FinancialTips

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In this insightful clip from EYL, we're joined by the incredible Quiana Watson to delve into the often-overlooked costs and fees associated with purchasing a home. As first-time homebuyers, we usually focus on the big-ticket items like the mortgage and property tax, but what about the other expenses that can catch us off guard? Quiana breaks it down for us!

*Key Takeaways:*

1. **Utility Costs**:

• Quiana emphasizes the importance of getting a statement of utility bills from the previous homeowner. Understanding these costs ahead of time can prevent unexpected expenses, especially when moving from a smaller apartment to a much larger home.

2. **Homeowners Association (HOA) Fees**:

• The realities of HOA fees can be both beneficial and burdensome. While they help maintain neighborhood standards and can include utilities and amenities, they also add to your monthly expenses. Quiana points out that understanding what’s included in these fees is crucial before making a purchase.

3. **Routine Maintenance & Home Warranties**:

• Owning a home means you're responsible for its upkeep. Quiana suggests investing in a home warranty to cover large expenses like H-Vac system replacements. Routine maintenance, such as gutter cleaning and pressure washing, should also be factored into your budget.

4. **Mortgage Insurance**:

• Often misunderstood, mortgage insurance is required if you put down less than 20% on your home. Quiana clarifies that this insurance protects the lender, not you. However, once you've paid 20% of your loan principal, you can request to have this insurance removed.

5. **Homeowner’s Insurance**:

• Quality matters. Many homebuyers opt for the cheapest insurance but, as Quiana advises, cheaper isn't always better. Proper coverage is essential, particularly if you've invested in upgrades. Always inform your insurer of significant changes to ensure you're fully protected.

6. **Budgeting for the Unexpected**:

• Rashad Bilal adds the importance of having a well-thought-out budget that encompasses all potential costs, not just the mortgage. This foresight helps prevent financial strain and ensures you enjoy your new home without constant worry.

*Expert Insights:*

Quiana shares her professional experiences to highlight common pitfalls and offers practical advice to make the home buying process smoother. Her emphasis on value appreciation and ownership as primary reasons for entering real estate is a critical reminder for new homeowners.

Whether you’re considering buying your first home or looking to understand more about the additional costs associated with homeownership, this episode is a must-watch. Budgeting accurately and having a strategy in place can make all the difference.

*Join the conversation!* Share your thoughts and experiences with us in the comments. Have you encountered unexpected expenses in homeownership? How did you handle them?

*Don't miss out on this essential advice! Make sure to like, subscribe, and hit the notification bell for more expert insights.*

---

*Hashtags:*

#EYL #HomeBuyingTips #QuianaWatson #FirstTimeHomebuyer #HomeOwnership #Utilities #HOAfees #MortgageInsurance #HomeMaintenance #RealEstate #PropertyInvestment #HomeBudgeting #ExpertAdvice #FinancialPlanning #DreamHome

---

By covering all these essential topics, this clip aims to provide a comprehensive guide to help you navigate the complex world of homeownership with confidence and ease.

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Welcome to the latest clip of Black Out with Ian & Rashad where hosts Ian Dunlap and Rashad Bilal dive deep into a topic that touches everyone's lives: Is the American Dream dead? 🏡💭

From the foundational myths of upward mobility to the harsh realities of today's economic landscape, Rashad and Ian dissect the very fabric of what many believe to be the "dream." Rashad opens the discussion by recognizing the appeal of America for entrepreneurs and go-getters. Yet, he quickly transitions to a sobering critique of the societal norms that portray a middle-class life as the pinnacle of success. He argues that the idea of attaining the American Dream by simply working hard and climbing the economic ladder is a myth.

Rashad highlights the structural issues within the mortgage system, explaining how the banking system manipulates the concept of homeownership. He points out how the vast majority of Americans are buying homes they can't afford, leading to catastrophic outcomes such as mortgage defaults and long-term debt. He underscores the fact that most Americans live paycheck to paycheck, making them one step away from financial ruin and even homelessness.

Ian then shifts the focus to the broader implications of this crisis. He questions who the American Dream is really for and posits that while it may be dead for the average citizen, it's very much alive for financial institutions. Ian paints a stark picture of the middle class's erosion, driven by ever-increasing debts—from credit card bills to student loans.

Both hosts draw a connecting line from individual debt to societal control, pointing out how actual wages have stagnated while the cost of living has skyrocketed. They reveal a troubling reality where most people can't afford basic necessities without relying on more debt, making the notion of the American Dream more of a nightmare for many.

Join us as we explore these pressing questions and hear Rashad and Ian's unfiltered thoughts. This is a conversation you don't want to miss!

*Timestamps:*

00:00 - Intro

00:13 - Ian's Opening Question: Is the American Dream Dead?

00:52 - Rashad on Entrepreneurship in America

01:57 - The Mortgage System and Middle-Class Myth

03:09 - The Economic Strain and Homelessness Risk

04:35 - Ian on Financial Institutions' Perspective

08:08 - Final Reflections and Call to Action

*Key Takeaways:*

• The myth versus reality of the American Dream
• The financial traps embedded in the mortgage and credit systems
• Why the middle-class dream is more of a nightmare
• The societal implications of indebtedness and stagnant wages

*Hashtags:*

#BlackOutPodcast #AmericanDream #EconomicReality #DebtCrisis #MiddleClass #FinancialFreedom #HomeOwnership #StudentLoans #EconomicDiscussion #IanAndRashad

Don't forget to like, comment, and subscribe for more insightful discussions! 🚀

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Buying a home is one of the biggest financial decisions you’ll ever make, and being prepared is the key to success. In this episode, we sit down with real estate expert and top broker-owner, Quiana Watson, to break down everything you need to know before making this major investment. Whether you’re a first-time homebuyer or already in the process, this discussion is packed with essential insights to help you avoid costly mistakes and make informed choices.

We cover everything from closing costs and down payment assistance programs to property taxes, school taxes, and the often-overlooked maintenance expenses that come with homeownership. Many buyers focus only on the mortgage payment, but we’re here to discuss the real cost of owning a home, including insurance, repairs, and unexpected fees. We also touch on the importance of credit, how to position yourself financially before applying for a mortgage, and what lenders are really looking for when approving home loans.

Whether you’re looking to buy in 2025 or further down the road, this conversation will give you the knowledge you need to confidently navigate the home-buying process. Don’t go into this blind—watch now and learn the key strategies to secure the right home at the right price.

🔔 Subscribe to @EarnYourLeisure for more real estate, investing, and wealth-building content!

#RealEstate #HomeBuyingTips #FirstTimeHomeBuyer #QuianaWatson #WealthBuilding #Investing #FinancialFreedom #HomeOwnership #EarnYourLeisure #MortgageTips #RealEstateInvesting #BuyAHome #ClosingCosts #PropertyTaxes

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In this clip of Market Mondays, hosts Rashad Bilal, Ian Dunlap, and Troy Millings tackle one of the most pressing questions in the financial world today: Are we witnessing the end of the AI bubble?

The discussion kicks off with Rashad Bilal introducing the main topic. Recent market trends have seen tech stocks, particularly chip stocks such as Nvidia, SMH, ASML, and TSM, take a significant hit. Concerns about an AI bubble being overhyped and overpriced resurface, as echoed by industry insiders like Mike Novogratz. The emergence of Deep Seek, a Chinese app company, has further shaken the industry by reportedly achieving high-level AI functionality at a fraction of the cost of established players like Open AI. This development has led to questions on whether chip stocks are indeed overvalued.

Rashad delves deeper into the implications of this market upheaval. There's skepticism about the stability of these companies and whether we are heading towards slower growth. Ian Dunlap, an experienced investor, weighs in, stating that while the top players in the space will continue to hold sway, the notion that Deep Seek's capabilities surpass those of established AI companies requires scrutiny. Ian casts doubt on the probability of Deep Seek achieving its touted efficiency with such low expenditure, suggesting that the larger, more established companies like Nvidia, Meta, Oracle, and AMD are still set to thrive.

The conversation shifts as Troy Millings questions the necessity of advanced hardware for innovation. He argues that despite claims of efficiency from companies like Deep Seek, advanced hardware from companies like Nvidia and AMD remains essential. Troy also sheds light on market dynamics, emphasizing how significant stock pullbacks create buying opportunities. He notes the coincidental timing of Deep Seek’s announcement with the earnings reports of major corporations like Meta, Apple, and Microsoft, suggesting strategic market influences.

Rashad Bilal further distinguishes between market pullbacks and resets. A pullback is temporary, whereas a reset implies lasting changes. Ian contends that while chip stocks might see a pullback, leading companies like Nvidia and AMD are here to stay. He suggests that energy companies may not perform as spectacularly as they did last year, and there’s a broader conversation around sector rotation in the market.

The hosts then discuss specific stock recommendations. Ian and Troy both express continued confidence in key players despite market volatility. Troy, for example, remains optimistic about companies like TSM, Arista Networks, and energy stocks like VST and VRT. This segment highlights the importance of strategic thinking and long-term vision in investment decisions.

Towards the end, Ian cautions against the chase for the "next big thing" in the market, urging investors to focus on sustained value rather than weekly market trends. Rashad sums up the conversation, reminding viewers that while it's critical to analyze new developments like Deep Seek, the fundamentals of investing in solid, proven companies should not be overlooked.

Join us in this insightful discussion where we unravel the complexities of market trends and make sense of the looming question: Is the AI bubble bursting, or are we just seeing healthy market corrections?

*Don't forget to like, comment, and subscribe for more market insights!*

*#MarketMondays #AIBubble #TechStocks #Nvidia #DeepSeek #InvestingTips #StockMarketAnalysis*

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