Silicon Valley Girl: AI, Tech and Career Growth - Alex Divinsky: AI Stocks Investment Strategy for 2025

Episode Date: August 20, 2025

In this video, Alex Divinsky @TickerSymbolYOU‬⁠ is living off his investments — and in this interview, he reveals how to live entirely off an AI-driven investing strategy.The AI boom: are we in a bubble or not?His bold portfolioHow to spot winners before Wall Street doesThe psychology of investing (why behavior = 90% of your returns)His advice for average investors who don’t want to spend 40 hours a week on researchIf you’ve ever wondered how to survive market swings, avoid panic-selling, and actually enjoy investing, this conversation will give you a fresh perspective.Alex on YouTube: https://www.youtube.com/@TickerSymbolYOUDISCLAIMER:This content is for informational purposes only and should not be construed as financial advice. Always consult with a qualified financial advisor before making any investment decisions. Links: Follow my Newsletter:⁠⁠⁠ https://siliconvalleygirl.beehiiv.com/⁠⁠⁠Companies & Products: ⁠⁠⁠https://Marinamogilko.co⁠⁠⁠Instagram: ⁠⁠⁠https://www.instagram.com/siliconvalleygirl/ ⁠⁠⁠YouTube: ⁠⁠⁠https://www.youtube.com/@SiliconValleyGirl⁠⁠⁠LinkedIn: ⁠⁠⁠linkedin.com/in/marinamogilko⁠⁠⁠X: ⁠⁠⁠https://x.com/siliconvalleymm⁠⁠⁠

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Big investments that I've made recently have been like 40% in a single stock. This is Alex. He's a money nerd and he's been paying for his lifestyle with his investments for the past 10 years. When I met him at dinner and he told me about his investing strategy, I realized right way that I need to bring this to you guys because this is something I'm striving for and this is something I'd encourage everyone to look at. People are panicking. That's exactly when you want to be greedy. In this episode, we're going to dig deep into his investment strategy. We're going to break down the AI bubble. We're going to talk about what he invests in and how he sees the future.

And of course, the psychology of smart investing. How not to buy high and not to sell low. Let's dive deeper into this conversation with Alex. For an average investor like me, what will be the ideal portfolio if I want to win in this AI era. The best thing to do almost always in the stock market is... Hey guys, welcome to Silicon Valley Girl. My first question is, are we in a bubble? Are we in a bubble? I think certain kinds of stocks are definitely in a bubble and certain kinds are not.

So, for example, right now, hardware, you know, the infrastructure for AI is definitely not in a bubble. You know, we're already seeing some revenue returns on the infrastructure for AI. and we're seeing like a big explosion in demand for the compute power associated with AI. So I think the underlying infrastructure, you know, the servers, the data centers, the chips, things like that are definitely not in a bubble.

I think we'll see certain software companies that are claiming to be AI software companies today. We'll see their valuations skyrocket and then drop. So those might be in a bubble today. I think it'll be a few years before we see the next Facebook, the next Google, the next, big software companies associated with AI. Interesting.

A lot of people talk about like this dot-com crash, right? When all the evaluations were through the roofins and suddenly everything, are we going to see something like that, do you think? I don't think so. I think, you know, we will in certain sectors for sure, maybe not as extreme. But I think what you're, like if you look at the balance sheets of a lot of these companies, you'll see that their revenues and their profits are following their valuation. So for example, Nvidia sky high price, right?

but if you look at their earnings per share and their PE ratio. Can you explain to everyone's watching what it means and what's a good number? Sure, yeah. So when you think about a stock's price, which is really based on its market cap, so that kind of tells you how highly valued the company is. And then when you look at its earnings, that's literally, you know, you take the number of shares of that company, the number of shares outstanding, and how much money it generates in profit per share, right?

So the higher that number, the better. So there's kind of two ways to control that number, right? You can earn a lot more money or you can decrease the amount of shares. What's a good number? For a P.E. ratio. Yeah. It kind of depends on the company and honestly what kind of P.E. ratio you're looking at. But I try to look at forward P.E. ratios, which means a prediction of the next 12 months of earnings,

probably under like 30 is what I would say. And so really, you'll hear different numbers from different people. So, for example, value investors tend to want lower P.E. ratios, like 15, 12, even 10th or time. Because they're hoping for her to go. Because they don't want to pay a high price per earnings per dollar earned, right? The flip side of that is, if you just look at the P.E. ratio, what you're really ignoring is the growth of the company. And when you're talking about AI and other, like, pretty relatively new industries, they're growing very fast. So earnings is like a snapshot, right? It's like taking a picture of a balance sheet and saying,

this is a number. But in reality, next quarter, those earnings will look very different. And then the quarter after that and then the quarter after that. So looking at a forward PE ratio and taking a, like thinking about what they'll be making next year or in two or three years or even five years can sometimes be a better estimate of value. How accurate are those? So it depends. So the way the industry likes to do it is they look at analyst estimates and they take the average. Something I've noticed is analysts are usually incorrect. Usually, sometimes buy a lot. So that's part of my job is to sort of understand the science behind the stock, if you will. That's what my YouTube channel is about. And really what that means is understanding

it from a product first perspective, because if you back up for a second, we've been talking about earnings, we've been talking about profits, we've been talking about prices. But all of those are really led by a company selling a product or service, right? So by the time they report their earnings and that news comes out, they've already done a lot of business. So you can actually, probably figure things out faster if you understand the product, the service, the experience that company provides, because then you can make a decision before those numbers even hit the balance sheet, if that makes sense. So that's kind of why in that conferences like this, is to look at NVIDIA, look at Amazon Web Services, look at these publicly traded companies, and try to understand

more about the products and services they offer, what that means for their revenue, what's that going to mean for their margins going forward, and make investment decisions so that by the time it hits the news, I'm already invested. Yeah. So what are you investing in right now? Yeah. So big investments that I've made recently have been in NVIDIA. Yeah, I've been in NVIDIA.

How much of your portfolio is it, is NVIDIA? Right now it's down to like about 40%. So it used to be like 40% in a single stock. Yes. So it used to be even more. And that's because, so I've been holding NVIDIA stock since 2016. So they've been. Good for you.

Yeah. So buying the dip as well when everything crashed with the tariffs, remember? Yeah. So I didn't buy that one. but NVIDIA is actually crashed by over 20 or 30 percent several times in the last maybe 18 months now. So you track it and you buy it and you know buy or at least like slowly average more in. And then a little while ago I sold about a third of my shares. Yeah.

I got married. So I paid for my wedding. I paid for my honeymoon. Real life expenses. So, you know, I had to adjust my portfolio accordingly. Yeah. Can you? Yep.

So I've been. I've been talking about a stock called Palantir for about three years now. So I first started investing in Palantir in 2022 or 2023. I started buying it at about, I want to say like $11 a share. I sold it at around 25 a share. I sold about a third of my position. I ended up buying it back. You know, I re-evaluated my thesis.

I actually made videos on both sides, made a video saying, hey, I don't like these few things about the stock. Then a couple people in the Palantir community pointed me towards, like, different things to look at, decided I was wrong, came out with another video, bought back in at around maybe like $28, $32. And now I believe it's at like $135 a share. Wow. So that was another like, how much of your portfolio is volunteer?

Yeah, another like probably 20, 25%. And so let me make a good distinction here. So I didn't buy it to become that, right? when I bought these stocks, they were 8, 10, maybe 12% of my portfolio. And because they grew, yeah. And so usually what I do is I buy and then I just hold for a long time because it can take a while for these companies to mature and then for the stock market to understand what these companies offer.

So for example, whether we want to talk about NVIDIA or Palantir, their earnings trailed. You know, what I'm trying to say is it wasn't easy to hold the stock because. for a long time they were losing money on their research, right? They were unprofitable or nearly unprofitable. NVIDIA was a gaming company first transition to data centers. And that transition took a long time for them to become profitable in that segment and start growing in that segment. Meanwhile, they were declining in their gaming revenue, right? So it just looked like the business was going down. It's the same story with Palantir. They had a big government segment and then they were spinning up their commercial segment. And for a while, their government business was

slowing down and their commercial business didn't make up the difference. So understanding the product is what got me in the stock before their earnings caught up to what they were actually doing. What was your background? Electrical engineering. So I'm not a finance guy. You know, my background is I have a bachelor's in electrical engineering, a master's in basically data science, and then an unfinished PhD. Thank you. You have perfect education for work. Yeah, yeah. So I, very lucky, you know, so. 40% Invidia, about like 25% Talentteria. What else?

The rest is honestly companies straight from the NASDAQ, you know, a big believer in Google, big believer in Amazon and Microsoft. So a big portion of my portfolio is the NASDAQ 100, the index itself. You know, I hold another index called SPMO. That's the S&P Momentum Index. And so what's special about that one is it only picks from companies in the S&P 500, but it tracks them based on momentum. So the relative amount that they've gone up in the last, I believe, four quarters, so 12 months.

So those two indexes make up a good chunk of my portfolio so that I'm a little bit diversified. But then individual stocks, and I usually pick from those same indexes. So Google, Microsoft, Amazon, Broadcom is a big stock that I cover. Is selling ever part of your strategy apart from personal expenses? Absolutely. So, you know, no matter who you are, a stock can get like way overheated very fast. Sometimes, you know, Palantir moved, for example, I think it was like, it's up like 80% this year. That's a little too hot to handle.

So I don't really sell out of a stock completely, but I'll trim it over time, right? So, Nvidia is a great example. Palantir is a great example. I might reduce my exposure from like 40% of my portfolio, which is way too much, down to something like 25. And reinvest in NASDAQ or? Reinvest in the NASDAQ, yeah. So I try to always make my money work for me instead of work for my money. So typically, if I don't know what to do with it, I'll put it in the indexes, treat that like a cash position.

And then what happens is because some of my shares in these indexes are more than a year old, I can withdraw them and only pay capital gains tax. So that's what I use to fund my next investments. Interesting. So when you're talking about just want to understand your income proportions, does most of it come from YouTube now or stocks are also like a practice? Yeah. So about 10% of my income comes from me. YouTube, maybe a little more, 10, 15, something like that. The rest comes from investing. So you can say investing is your full-time job, right?

Investing is definitely my full-time job. So I... What does it take a week? You know, I treat it like a real job. So for me, I probably spend 40 hours a week researching. And so what I actually do is I try to monetize that research as many ways as I can. So the first and primary way is definitely my own investments. You know, if you shut down my YouTube channel today, I would just be focused on investing for myself. The second way is sharing my research on YouTube, right? So that's my YouTube videos.

Third way is I actually advise a couple of family offices, pretty small family offices. But same thing. You know, it's just like the content on my YouTube channel, but they're just asking more specific questions about more specific companies, some public, some private. And again, it's all AI and semiconductor focused, so chip focused. And they're just really looking to understand how to protect their wealth in the event of a bubble, right? So, you know, does your advice there? Yeah.

So don't have crazy amounts of exposure in one or two publicly traded companies would be a good start. Which is the opposite of what I do. So I find that people who are like very, very wealthy, they're not really looking for, you know, two, three, five, 10x stocks, right? They're looking for safe bets that meet or outperform the market and what they want to do is minimize their risk, right? So it's a very different strategy for them. They're already diversified across a lot of different asset classes as well. So what they actually end up looking to me for when I get in contact with them is to stress test an existing thesis in a company they already have. Like, will Amazon continue powering roughly a third of the internet or when things move to AI, will the next big cloud service look very different from Amazon Web Services?

That's a great thing to do. Yeah, yeah. So I do think that Amazon Web Services, Google Cloud, Microsoft Azure, they're putting themselves in a position to kind of have their cake and eat it too. They power a large portion of the traditional internet and they're investing heavily in AI

to power a big portion of the generative internet, right? So I think because they're able to spend the many, many billions of dollars to build up that infrastructure, they'll be very hard to disrupt no matter what. Because just like family offices, these are really like companies that are portfolios of technology, right?

Google's not just a search engine. It's a cloud service provider. It's the Chrome browser. It's the Android operating system. It's Google deep mind. You know, there's all these pieces to their portfolio. Yeah. So when Google loses a little bit of market share in the search space, for example, which was like in the news lately, you know, they dipped under 90% market share in search. They actually have a large portfolio of technologies, products and services to fall back on and other ways to make that up. So for an average investor like me who can't spend all my time investor. Yeah, yeah. like researching, what would be the ideal portfolio if I want to win in this AI? Yeah.

So I'm going to lose everything. Sure, sure. So I'm going to say something a little bit controversial here. So the typical advice, and by the way, I'm not a financial advisor, right? I'm not qualified to give financial advice. Typical thing you say. Yeah. Yep.

And it's very true. So like, you know, if you were to establish like a serious amount of money in an account today, you should go seek a professional and talk to them, right? But if I was in your shoes, what I would do is instead of building the traditional advice that you would get today is build a 60-40 portfolio, right? That's 60% stock. Like bonds is your age and the rest is stocks. Exactly. And that proportion slides as you grow older, right? In my opinion, where you want to diversify is outside of stocks, right? So you want to hold some real estate. Maybe you want to hold some crypto or some precious metals or whatever, collectible, whatever you think is a good asset to hold, right? And inside stocks, what you want to do is decide how much, risk you're willing to take. And that really depends on what kind of stocks you want to buy versus

how much you should put in indexes. So for example, instead of a 6040 stocks bonds portfolio, maybe it's a 6040 indexes individual stocks portfolio, right? So when my friends ask me, so no bonds. So in my opinion, no bonds, right? That's certainly not mainstream advice, but what I would do is I would put money in the S&P 500 and the NASDAQ. proportion. Yeah, so I would prefer the NASDAQ, but if you aren't so comfortable with like the big ups and downs, that's really, S&P 500 is a great index. It's performed super well, long history and track record of great performance. A little more risky, but a little more rewarding over the long term would be the NASDAQ 100. Still very diversified. A hundred tech companies across a wide

variety of different technologies. You know, you got your NVIDias, your broadcoms, but you also have software companies, cyber security companies, really all sorts of different technologies. So I would do the NASDAQ. And then the rest, I like picking individual stocks from like the top and the middle of those indexes because those indexes already have good criteria for a company to be in them. So all the individual stocks I hold, like there's no magic, right? They're at the top of the S&P 500. They're at the top of the NASDAQ. And so what I really do is I try to find the losers in those indexes. And by losers, I just mean the historic underperformers, not that they're bad companies, just that their growth in the stock market has underperformed the index. And I just try to avoid those.

So there's a good saying, you know, if you want to be a great gardener, it's not about planting the right plants. It's about stripping away all the things that stop those plants from growing. So what I try to do is, yeah, so that's it. I'm just looking to, you know, plant my flowers. Those are the individual stocks and try to minimize my exposure to the thing. that stop them from grow. So for a 35-year-old, like me, what would be the percentage of those things that you mentioned, NASDAQ, 100, 6,000, 5,000, and some individual stocks? Yeah, so if you never want to think about the market again, you do it once, and then you go away for 30 years and you hope that, you know, you just want to retire. You still want to do a dollar cost averaging, right?

So that's what I would do, but, you know, a lot of people automate that, for example. So, like, you know, a hundred bucks a month, a thousand bucks a month, whatever you feel appropriate. You know, you're just investing it into this mix. So what's the mix? Yeah, so the mix. So the mix would be, in my opinion, something like 25% S&P 500, maybe another 40% NASDAQ 100. So that's already two thirds of your portfolio. Now you're safe and in the indexes, right? You can rest easy knowing you have 500 companies spread across your portfolio, right?

Yeah. And then the other 35%, 3035%, I would pick individual stocks. And the way I like to do it is I like to invest in things I know. So my channel is focused on sort of expanding people's knowledge about things so they feel comfortable holding those stocks when they dip 20, 30, 50%, which Nvidia does, Palantir does, Broadcom does, all these high rewarding stocks, they crash just as much as they go up, right? Yeah, psychologically is so hard, especially if that's your single portfolio. And whether you're a retail investor, an institution, a family office, whatever, your behavior and your psychology is 90% of your returns. I strongly believe that. There was a great study by Fidelity,

and they said the top performers in their entire suite, Fidelity manages trillions and trillions of dollars in assets. Guess what they all hadn't come? They were over 60 years old. They were all dead. They were all dead. So they just couldn't touch their portfolio, right? So they let it ride, you know what I mean?

They never sold, which means they never panicked. So that's a good reminder that the best thing to do almost always in the stock market is nothing. So even though my channel's about stocks and updates and buy this and by that, it's because a lot of new people funnel in. They find my channel. They have new money to allocate. They just found me for the first time.

But the average viewer I find that I talk to, they only make one or two investment decisions per year. They'll rebalance maybe quarterly. They'll get into a new stock. They'll decide to sell just like I did because they have a real family expense. They'll watch one of my videos on a stock they were thinking about selling and decide to hold some of it, maybe only sell half what they thought. So it's, it seems action-packed when you're making content about stocks every week, but it really is like for the average viewer

is supposed to be just a data point, another data point, another, and then they go about their life, you know? What about dollar cost averaging when the market is up and down? Yeah. So many times in a week. Yeah. Like, I remember five years ago, I would talk to my financial advisor and he would say like once a month. Yeah. Now we're like maybe once in two weeks. I don't know, because there's, it just happens fast. So I think dollar cost averaging, there's like no right answer. I do think dollar cost averaging more often makes a lot of sense because then you just

have like a smoother average. You can imagine if you only invest once a year and you you accidentally hit a bad day. Yeah. So there's definitely a lot of money can be made by buying low, right? Not just selling high, but actually buying it a great valuation. So dollar cost averaging more often sort of smooths that out for you. If you have one bad day, it's a smaller proportion. So let's say you invest $1,000 a month.

Maybe that's really $500 every two weeks or $250 every week. You know, it's the same number, the same cadence. You still can automate, right? You don't have to do it math. You still automate. Yeah, you know, if you want to invest $20 a day, like it sounds a little silly, but it's really not a bad strategy because it just smooths out that whole, the whole worry about timing or mistiming the market goes away when you're just averaging

in. How much do you hold in cash? How much do I hold in cash? So I tend to hold like less than 5% in cash, which is, again, not mainstream advice. How many months of runway for your family? Oh, so in my safety fund, like outside of my portfolio. So because I own my own business, I tend to hold nine months in cash. Nine months. And that's just because like, you know, if my business goes under, that's the sole income for like the family and things like that. So and because I don't have a W2, like a reliable,

stable employer, I like a long runway. Believe it or not, I'm actually a conservative investor. Based on everything, like the topics of my channel, you wouldn't guess that. Yeah. Even by looking at your portfolio, I wouldn't. say you're conservative. Yeah, yeah. But again, you know, top of the indexes, the biggest companies in the world, which by definition makes them some of the safest, right? So. But do you ever wake up in the night and think like, hey, maybe we're approaching another 2008 because of the tariffs or whatever is going on in the world? Do you ever have these thoughts? Of course. You know, I think that's a real part of the challenge, you know? And then the question is, okay, you have the thought. What are you

going to do about it? Is the answer to sell everything? Yeah. So, um, I think, um, Since the tariffs got announced and we hit our bottom, right, I believe the market is up something like 30%. Did you buy that? You didn't buy anything? So I ended up buying the dip and I made a bunch of videos about it. You know, I tracked something called the Fear and Greed Index, which is a great index. It's run by CNN. And what it does is it tracks all these different metrics to help determine how fearful or greedy the average investor is in the market in that moment.

That's a good one. Never heard of that one. Yeah. So Fear and Greene Index. and the thing to know is like Warren Buffett says, right? You want to be greedy when others are fearful. So it turns out the bottom of the market when, you know, everything was going on with China tariffs was also the bottom of this fear and greed index.

So I made a video saying the fear and greed index goes from zero to 100. It was at a three. Extreme fear. Panic in the market, blood in the streets, right, so to speak. So I was talking about the stocks I was buying exactly what I was doing in that moment and the market's up. I want to say like over 20% since then. Fascinating.

So there are all these other indicators you can look at to sort of get an idea, right? And it's not like if your index is low, go by, right? We're not trying to time the market. We're just trying to get a little more data before we make a decision either way, right? Have you ever panic sold? Of course. Of course, yes. I think every good investor, part of becoming a good investor, it's just like any other skill.

You start by being a bad investor. You know what I mean? Yeah. So for sure. And you can see in like the early days of my channel and even before that, I've lost plenty of month, right? By selling. By selling, by not buying, by, yeah, of course. I've made every mistake in the book. And I don't, like, I don't know anyone who's really good at anything who didn't start by being very bad a bad thing first, right? So, yeah. Well, it would be your advice for people who are

panicking. For people who are panicking. Thinking of selling for maybe something happens in the next two weeks. And we all have this thought of like, yeah, I think there's, there's like two really good sets of advice. The first is if you, if you think prices are going to go down, right? If I was going to Louis Vuitton tomorrow and I thought that prices were going to go down, I would probably be pretty excited, right? Because I'd be getting something I want at a discount. Yeah. So if you really believe in the stocks that you hold, you're probably actually should be pretty excited for that. I think you probably just lose trust at that stage when everything's going down. Yeah, yeah. And it's easy to do that. But you got to remember, things are going down because other

people are panic selling, right? Yeah. So if people are panicking, that's exactly when you want to be greedy. So the right thing to do there is actually reassess what you hold, which is hopefully you're investing in things you already know, which is, again, kind of like the point of what I do. And if you believe in what you hold, Nvidia, Poundtier, whatever else, and you understand it, then when it goes down, you're happy because you're dollar cost averaging, so you're getting more shares per dollar, right?

So that's the first thing. The second thing is if you're really set on panic selling, you just, I can't take it anymore, don't do it all at once, right? So just like you want a dollar cost average in, people forget, you can also dollar cost average out. Oh, yeah. Right? So a great thing to do is, I'm out.

Great. Sell 10% of your position and then reassess because the number one thing that I hear from people is right after they hit that sell button, they get seller's remorse. Just like when you pull the trigger and you make a purchase and then all of a sudden, you're like, oh my God, why did I just spend all that money? Same thing on the other side. So sell 10%. Sell 15%.

Don't never sell 100% of anything all at once. I love that. What about other stuff? about giants, right? Yeah. What about the Tesla stock? What about meta? What about smaller startups with just IPO and their emerging?

Sure, sure. So I would classify that Tesla's and the medas of the world is still giant stocks. I think Tesla is still over a trillion dollars in market cap. Facebook, everybody knows. Yeah, and you're going to see that a lot, right? Like if it touches AI, it's going to be up and down because AI sentiment changes every day, right? AI is amazing. AI is a hype cycle.

you know, AI cured cancer, AI is just a chatbot. You know what I mean? So it's going to go up and down. So one of the things that I focus on is like deep research, right, understanding the science behind the stocks. Jensen just gave a great keynote. And he talked a lot about where the world is heading in terms of data centers. So the blackwell chips, one thing that's special about them is they require liquid cool.

So traditional data centers have these big fans. They push a lot of air through them to keep things cool. but if you can liquid cool things, you can make things a lot smaller, which means you can pack a lot more compute in like a rack, which means each rack can provide a lot more service, a lot more AI, a lot more data, which means you can pack a lot more in a data center.

But it requires liquid cooling. So one of the things that I've been looking at lately is a bunch of publicly traded liquid cooling companies. Who are the vendors for Nvidia? Who are the vendors for AMT? Who are the vendors for Qualcomm? Right. So again, tying this back to,

to not just what are the balance sheets today, but where's the world gonna be tomorrow, right? So liquid cooling is a great example. There's a lot of talks about quantum computing. Robots. Robots. You don't believe in them. So I don't believe in humanoid robots today, right?

I do believe that ultimately humanoid robots will be something that they'll be walking out around us. They'll be doing certain manual labor jobs. But I think if you take a step back, so the reason people are, So gung-ho about humanoid robots is the world is built for humans, right? You know, you can imagine somebody manning that camera, a humanoid robot should be able to man that camera. Sweeping a floor, a humanoid robot should be able to do anything a human can do, right?

But if you take a step back and you look at any task, a human is way over-engineered to do almost any task we just talked about, right? So, you know, cleaning a floor doesn't require a human. Yeah, it's like a robot. Yeah, you know, a little robot is self-cleaning mop, self-cleaning vacuum, and you're done, right? So, you know, you don't want to build this whole complex brain, opposable thumbs, all these extra joints. Absolutely. To just mop a flat surface, right? Yeah.

You can think of a lot of these other jobs the same way. Part picking, for example, Amazon, they employ over 750,000 robots. So they're actually one of the world's biggest employers of robots today, not in the future already, right? Almost none of them look like humans. So that's probably a good sign that, you know, future robots will also mostly not look like humans. For example, car factories heavily mechanized, right? Car factory, you know, big, heavy parts, assemblies, a lot of things going on. Why don't those robots look like humans?

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Thank you. One size, absolutely does not fit all. Get a quote or find an agent today at thehartford.com slash small business. Beautiful. They don't need to. Yeah, there are form factors better suited to most of these tasks. It makes most sense. A lot of these tasks are highly repetitive, serving a drink.

Why aren't those robots looking like humans? My barista is a human, right? Why isn't the Starbucks robot, the coffee robots, a human? So how do you invest? Do you invest in robots? I try to invest in companies that have a lot of exposure to what's called, like, the robotic stack. So Nvidia is a great one for that. Nvidia has a whole set of hardware.

I feel like the media covers the whole AI. It really does. It really does. It's a great pick for just, I don't want to think about or learn AI. You know, there's so much to this. What do I do? I just want one or two companies. Nvidia should be among those, in my opinion.

But could it get disrupted? Yes. And I think they will get disrupted in certain markets for sure. So Nvidia makes chips that are called GPUs, right? GPUs, what's special about them is they're very broad, right? So they can do a whole bunch of, AI computing tasks very well, but they're not specialized. Broadcom is one of their biggest competitors because they make what are called ASICs,

application-specific integrated circuits. So those are really, really, really good, like better than Nvidia's chips, but at a much narrower set of tasks. So if there are ASICs that can beat Nvidia in certain things, and people have enough demand for those workloads, they're going to buy ASICs and not Nvidia's chips. But the easy answer is just hold both stocks. Right? Like one of the things that I look at, and like especially for family offices,

one of part of my job is helping them understand, hey, if you just buy these two or three stocks, you actually own most of the market. So a good example for GPUs. If you just hold Nvidia and AMD, you're done. No matter who wins, you have exposure to the two companies who make GPUs, right? If you hold Nvidia and Broadcom, you hold the two companies for supplying all the data center chips that aren't being made in-house, right? So you can play this game a lot of different ways. Find like a basket of two, three, four stops that give you broad exposure to an entire market.

So when that market grows, you don't really care about who the winner is. What about space? I think space is pretty far out still. You know, I know space is... So you don't invest in it. I tend not to invest in space. Yeah. I think that's a little further out.

I think space will ultimately be the single biggest industry on the planet. I'm just not so sure it's in my lifetime. So I tend to look for things that provide returns between a five-year time horizon and 30 years, which is when I kind of expect to retire, put down the camera, you know. How many years are you said? About 30. 30 years. So I'm 37 today.

Yeah, I love it. I love this job. You know, I'm really passionate. I love being able to apply it to finance. So I plan on retiring when I don't look good on camera anymore. But maybe then with AI. Exactly. Exactly. I'll be 40 forever. You're going to be good. What about crypto?

Yeah. So I think crypto is like really outside the scope of my channel, for example. When people ask me about crypto, I always point them to the difference between Bitcoin and everything else. So Bitcoin is really treated like a commodity digital gold. So that tends to be a really good safe bet and a good hedge. How much of it do you hold? I hold zero. I currently hold zero Bitcoin. Yeah. Have you regret? I do, yeah. So I actually, believe it or not, so when I was younger, when I was like maybe in my late 20s or early 30s, I held six Bitcoin. I had six. I had them at $1,500. I went on a trip to Japan. I sold all six, paid for the trip. So I bought them at 1500, sold them at $4,500, right? So tripled my money, thought I was a genius, right? So sold up $4,500. That was an expensive trip to Japan. Yes, it was. Yeah, it was awesome. So it was a first class both ways. You know, like, just saying a man or something? It was an incredible trip. You know, me and a friend went. Nice. But, you know, so six times five, so I made a little less than $30,000, right? Living the highlight.

Yeah. So, of course, today, Bitcoin's like well over $100,000 a coin. Yeah. So, I mean, selling up $4,500 to $110, you know what I mean. And I haven't bought back since so. And part of that is because I really don't understand the blockchain infrastructure. So one of the things that I always tell people is you should invest. what you understand because then when things crash, you understand what you're holding.

Yeah. And so the reason I don't buy Bitcoin is because that is something that can crash a lot and go back up. But when it crashes, I don't have the confidence to hold through it. But then other institutional investors are holding a lot of it. Does it give you maybe like a thought that I should just invest because they've done their research? I try not to do that because those same investors missed the mark on so many other stocks, right?

So for example, if you just go back to Facebook, which you ask you. me about earlier, when it was crashing from $400 down to $100 for every institutional investor that was like, oh my God, this is amazing. There was another that was like, Facebook is dead, right? I try not to worry about what institutions are doing. I try to get ahead of the institutions. And of course, I'm going to miss a lot of things. I'm going to miss Bitcoin. I'm going to miss certain stocks. I'm not here to find every single winner. I'm here to understand a certain segment of the market so that I can separate the winners and losers in that market and try to expose myself to more winners than losers, right? Even if my batting average is like a 55%,

by the way, I'm not trying to be like 100 and zero, right? If you have, like if you go through the math exercise of you have one stock that 10x is and nine other stocks that drop 50%, you've made a ton of money. Yeah. So it's a numbers game. It's how can I minimize my mistakes while being exposed to more and more winners or more and more winning markets, right? Absolutely. Let's wrap up with this. So for everyone who listen to this and they're like, okay, great, but how can I start investing? Can you recommend

resource, like top three resources for investing, for getting the information? Sure. The best and safest one is going to be fidelity, in my opinion. Another great one is Charles Schwab. Do you use their money market fund? Fidelity? Nope. No? No. I like, so cash is cash. They automatically

invest it in some sort of reasonable yielding. It's called SPACs. Yeah, like 4%. Yeah, so like they handle all that for you. They don't let it sit in cash. You know, they do a great job. So whenever you sell, it's automatically converted to SPACs, right?

So Fidelity, Charles Schwab, if you're looking for a more mobile friendly, you know, you're somebody on the go. You like checking your portfolio on your phone. I think Robin Hood is excellent. So, and then if you're more of a, if you like the automation, automatically rebalancing and you care more about like the interface, M1 finance, I find is like a really, really good. You can build your own portfolio and invest. Yeah, it's awesome. So it's got a really great way of visualizing baskets of stocks and then letting you diversify among different baskets without it becoming like too confusing. So M1 Finance and Robin Hood are very beginner friendly. And then Fidelity and Charles Schwab are sort of like the big old institutions that you can be sure are never going away, never kind of getting disrupted. So those are four great options. What about market insights? Yeah, you know, so I think one of the best places to look again is probably YouTube. You know, you're going to find great YouTubers, like, not even going to pitch my own channel, but...

What about the numbers? Like, do you wake up and, like, open, like, Yahoo Finance to look at P&Es? Never. Never. Never. I try never to do that because, like, every investor will go through this phase, especially the investors who are still looking for brokerages. They're checking their portfolio every day, every day, every day. And so what you have to realize is these companies aren't changing every day, right? The underlying business is still doing great. It's still doing whatever it was yesterday. it's planned for tomorrow is the same. You know what I mean? It's the market's opinion of that company that's changing.

So that opinion is where you're trying to optimize for, right? Dollar cost averaging in and everything we talked about earlier. So eventually you graduate to the point where you just say, I'm not checking every day. Maybe you just check five days. And then it's every other five day. And then it's only on payday, right? I actually only get paid once a quarter.

So like maybe I'll check things like once a quarter or twice a quarter. sometimes you'll leave it alone for a year and be like, oh crap, I should probably check on my portfolio, right? And that's the best way. That's the best. When you can just chill because you're confident in what you hold, you understand. So I really like things like Yahoo News, simply Wall Street. These are all great places to update yourself on the thesis of the company. So, hey, I want to just read a little bit more about Nvidia and make sure I'm up to date on what they're doing.

I want to read more about Palantir. So maybe you listen to their earnings call or maybe you just go to their website and see what they've been up to, right? All of these publicly traded companies, they have a website where they have to disclose all of the relevant news that could affect the price of their stock. Great way. Just skim the headlines even. Like, oh, cool, they partnered with this company. Oh, this thing happened. You know, like it's a great way to, especially if it's a big portion of your portfolio, I'm on the NVIDIA newsroom probably once a week. I'm on the Palantir newsroom probably once a week. And that's just because I want to keep up to date on something I have six, seven figures in, right?

it's important. So that's how I tend to do it. Thank you so much. It was so useful. And I feel like for everyone who was watching this also, like remembering the graph of Warren Buffett's net worth. Yes, absolutely. That it went hockey stick up after he turned 66. Yeah, yeah. 20 years after he started investing, it was like this and. Yeah. So make sure you hit the gym because, you know, if you can live to be 92 and then 93, you're going to be a billionaire, basically. Yeah, you're going to be a billionaire the longer you live. So, you know. Thank you so much. pleasure. Nice ones.

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