MM #287: Crypto Panic, Real Estate Slowdown, 2026 Market Warning Signs & Quarter Zip Movement w/ Jason Gyamfi

Summary

Market Mondays Episode #287 – Summary & Key Insights

Podcast: Market Mondays
Network: EYL
Episode Title: Crypto Panic, Real Estate Slowdown, 2026 Market Warning Signs & Quarter Zip Movement w/ Jason Gyamfi
Release Date: December 2, 2025

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Overview

In Episode 287 of Market Mondays, hosts Rashad Bilal, Troy Millings, and Ian Dunlap (“Ian Troy”) dive deep into the shifting tides of the 2025 financial landscape. The episode covers the recent real estate slowdown, turbulence in crypto markets, critical warning signs for the 2026 market, and the viral “Quarter Zip Movement” with guest Jason Gyamfi. The team dissects investment strategies for "any circumstance," discusses generational wealth-building, and reflects on the future of tech, stocks, and market resilience.

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Key Segments & Timestamps

1. Market Recap, Black Friday Spending & Real Estate Crisis
   [08:51–15:40]
2. Trading Tips, Risk-Taking & Emotional Intelligence in Investing
   [15:40–19:00]
3. Tech Stock Analysis: Apple, Google, Nvidia & ETFs
   [20:58–36:47]
4. Crypto Crash: Bitcoin’s Cycle & MicroStrategy’s Gamble
   [36:36–50:00]
5. Business Lessons, Monetization, & The Quarter Zip Movement (Jason Gyamfi Interview)
   [61:22–83:56]
6. Market Warnings: 2026 Signals, Missing Economic Reports & Accumulation Seasons
   [90:30–109:09]
7. Final Segment: Audience Q&A & Investing Lessons
   [109:36–110:53]

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1. Market Recap, Black Friday Spending & Real Estate Crisis

[08:51–15:40]

Real Estate Downturn – Alarming Stats

• Rashad highlights a "disturbing" cooling in the US real estate market:
  • 33% of Manhattan condos sold in the past year at a loss ([09:10])
  • 57% of all US homes sold had at least one price cut; average homes on market = 73 days; 70% of listings 60+ days unsold ([09:17])
  • Home value appreciation has essentially stalled, at just 1.3% YoY ([09:49])
  • “People aren’t selling homes…they can’t afford to buy a new one.” – Host 2/Rashad ([13:36])

Key Insights

• Affordability Crisis: The market’s biggest issue is that “people can’t afford to buy houses” ([11:27]), driven by high inflation, stagnating wages, and rising interest rates.
• Lack of Turnover: Homeowners with low 2020–21 mortgage rates aren’t selling: “Why would I get a new home or refinance at 7%? I’ll just stay in the 2%” ([14:04]).
• The Dubai Factor: The exodus of wealth to Dubai is reshaping US real estate; "Dubai has emerged...as the new global wealth hub" ([14:59]).

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2. Trading Tips, Risk-Taking & Emotional Intelligence

[15:40–19:00]

Trading Advice

• Ian encourages futures traders to "have less fear and more kahunas."
  • “A target I love is 33 contracts—go for 42 ticks on the S&P 500…over $17k per trade.” ([15:48])
• Emotional intelligence is essential: “How are you reacting when you see your account go down? … Have emotional discipline. When you do your research, have conviction in it.” ([17:27])

Key Quotes

• “You can’t play the 1–4 contract game forever...you’ll miss your window for real money.” – Ian ([16:46])
• “Trust your research, trust what you did…If it draws down 20–40%, get back in.” – Host 1/Troy ([18:41])

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3. Tech Stock Analysis: Apple, Google, Nvidia & ETFs

[20:58–36:47]

Apple: Quiet Resurgence

• Apple hits a 52-week high even as the market dips: “The rumors of its decline have been greatly overrated” ([20:58])
• Apple positioned as a new ‘safe haven’ as "no one wants our American debt anymore,” with projected annual returns up to 33% ([21:49–22:48])

Big Tech Themes

• Elon Musk’s Picks: If he invested in stocks, it’d be “Google and Nvidia” – top AI, data, and infrastructure plays ([28:23])
• Data Centers in Space: Google and SpaceX potentially collaborating to power next-generation data infrastructure outside Earth ([32:36])

ETFs: The Power of Broad Tech Exposure

• “$10k in Nvidia 10 years ago: $10.3 million today. But $10k in QQQ is still $43k—ETFs matter!” ([35:14–35:49])

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4. Crypto Crash: Bitcoin’s Cycle & MicroStrategy’s Gamble

[36:36–50:00]

Bitcoin Volatility

• “If you love Bitcoin at $100k, why hate it at $86k? If it falls to $74k, you have to love it.”
  • Emphasis on long-term conviction and dollar-cost averaging—don't try to time the bottom ([39:47–41:30])
• Institutional players now dominate market cycles: “When we look at the typical cycle…these aren’t regular cycles anymore” ([43:32])

MicroStrategy’s Exposure

• Recent moves raise red flags: “They raised $1.4B to cover 21 months of interest payments; not confidence-inspiring.” – Host 1 ([47:14–47:58])
• “The price at which you acquire the asset matters more than the asset’s quality.” – Ian ([48:33])
• “Five years from now, it’s either triple or delisted; there’s no middle ground with MicroStrategy” ([46:31])

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5. Business Lessons, Monetization, & The Quarter Zip Movement (w/ Jason Gyamfi)

[61:22–83:56]

The Movement

• Viral sensation Jason Gyamfi (21, Bronx) on popularizing the "Quarter Zip” as a symbol of elevated self-presentation, especially for young Black men.
• “When you look good, you feel good, you do good…If you got something, you gotta go with it” ([62:01],[64:13])
• Over 70 million views for his content ([81:40])

Monetizing Virality

• Gyamfi is approached by major brands, cautious of predatory offers: “Don’t let them just give you free merch as your endorsement” – Rashad ([69:24])
• Movement is about “expanding palettes…there’s more to the world than sweatsuits” ([75:18])
• On impact: “It’s cool to do your own thing…prioritizing your education, that’s gonna get you far” ([72:53])
• Gyamfi is invited by the hosts to visit Nvidia’s campus and open an investment account with their guidance ([79:52–80:56])

Community Support & Representation

• “If you really think about it…this [Nvidia tour] would be like walking through Apple 10 years ago.” – Rashad ([56:57])

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6. Market Warnings: 2026 Signals, Missing Economic Reports & Accumulation

[90:30–109:09]

Signs of Trouble Ahead

• Missing Job Reports: U.S. Department of Labor cancels October jobs report for the first time in history ([93:44–94:09])
• “When you start lying about the numbers, and now you’re not even reporting the numbers, that’s not a good sign.” – Ian ([96:50])
• Federal Reserve liquidity injections: $13.5B pumped into US banking—a COVID-level move ([60:39])

Investment Guidance for Uncertain Times

• “December’s a window into 2026—expect the first quarter to be great, summer rough, but if you’re holding for five years, it does not matter. Accumulate through the winter.” – Ian ([90:41])
• “Only need 4–6 great stocks to have massive wealth” ([94:48])
• Core advice: Stay faithful to simple strategies. “Don’t swap stocks out because something is ‘cuter’ this year” ([99:37])

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7. Final Segment: Audience Q&A & Investing Lessons

[109:36–110:53]

Lessons of the Year

• “The price at which you accumulate the asset matters more than anything…get that cost basis down.” – Ian ([101:27])
• Future Outlook: Continued bullish on AI, memory chips (Micron), and companies benefiting from the American business ecosystem ([102:42–105:19])

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Standout Moments & Quotes

• “The market...it returns favors, takes back, shakes out the fakes.” – Host 1/Troy ([03:58])
• “Black Friday spending was at all-time highs, but most of the spending is by wealthy people, not the average person.” – Rashad ([12:00])
• “If you’re entrepreneur, are you better than Tim Cook, Elon Musk?...If you’re not, you have to invest.” – Ian ([29:32])
• “Nothing wrong with the Nike tech…but it did get a little weird for a minute…” – Rashad (on youth fashion, [70:35])
• “If you love it at $100k, you have to love it at $86k.”—Ian, on Bitcoin ([40:09])
• “Support people. That’s a major cheat code to life.” – Rashad ([87:47])
• “They trick us into thinking you have to be a nerd to know how money moves.” – Ian ([36:20])

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Actionable Takeaways

• Stay Long-Term Focused: Volatility and short-term weirdness are inevitable—accumulate, dollar-cost average, and commit to the five-to-ten-year horizon.
• Real Estate Patience: High rates and low affordability signal caution, but long-term appreciation in prime markets remains likely.
• Tech Still Dominates: Apple, Nvidia, Google remain the best-in-class for steady compounding wealth; ETFs like QQQ are a powerful alternative for those uncertain about single stocks.
• Community Amplifies Wealth: Support, share, and collaborate—monetize your movement, don’t just let brands “use” you.
• Watch the Signs: Institutional behavior (Fed injections, missing reports), political maneuvers (Fed Chair shakeups), and global debt demand shifts are leading indicators for turbulence.

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Jason Gyamfi & Quarter Zip: Cultural and Investment Symbol

Jason’s story is an inspirational highlight: rapid viral fame leveraged into a message of educational attainment, versatility, and empowerment for young Black men. The hosts use the interview to show how influence, branding, and market presence can be as powerful as financial trades—and how community support can create life-changing opportunities (Nvidia tour, venture into investing).

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Closing Words

Market Mondays #287 is a masterclass in reading between the lines of economic reports, playing the long game, and leveraging social/cultural capital for generational impact. The episode balances market pragmatism with optimism about wealth-building, technology, and the enduring value of community.

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Listen for:

• Real-world examples of compounding, risk management, and strategic confidence.
• Candid breakdowns of current and future economic risks—especially key as the US enters a potentially unprecedented market phase.
• Powerful reminders that the “how” and “when” of investing matter as much as “what” you invest in.

Original Episode Language: Conversational, candid, and often humorous, reinforcing the importance of accessibility and relatability in financial education.

Transcript

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[Market Mondays Host 1]

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[Market Mondays Host 1]

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[Market Mondays Host 1]

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[Market Mondays Host 1]

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[GoFundMe Advertiser]

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[Market Mondays Host 2 (Rashad)]

For me, entrepreneurship has always been the way.

[Market Mondays Host 3 (Ian Troy)]

Investing is important because it's the only way you are going to be able to get rich and wealthy for your family. We can close the wealth gap by working together.

[Market Mondays Host 2 (Rashad)]

Market Monday is the biggest investment show ever.

[Jason Jemphy (Quarter Zip Movement Creator)]

My life has literally changed since watching eyl.

[Market Mondays Host 1]

When you can make people money and you can add value, they're going to be forever indebted to you.

[Market Mondays Host 3 (Ian Troy)]

And I promise you, this year, I'm going to make y' all even more money.

[Market Mondays Host 1]

Yeah. Yeah.

[Market Mondays Host 3 (Ian Troy)]

Happy Monday. We back. Yeah, yeah. I don't know. We have to do the guard one more time, y'. All. One more time.

[Market Mondays Host 1]

Someone got you got. I mean, that means you've done already.

[Market Mondays Host 3 (Ian Troy)]

Done it for sure.

[Market Mondays Host 1]

Beating itself, man. What's going on, Beautiful people? How you feeling? How you feeling? The chat is already going. Shout out to everybody in the chat.

[Market Mondays Host 3 (Ian Troy)]

Shout out to everybody in chat. Right, Panda, chat. Let me get some banners in chat.

[Market Mondays Host 1]

They already.

[Market Mondays Host 3 (Ian Troy)]

I've seen.

[Market Mondays Host 1]

Yes. And chat all in there already.

[Market Mondays Host 3 (Ian Troy)]

Shout out to them.

[Market Mondays Host 1]

It is the first day of December, man. Happy, happy December. I told you it'd be here in no time, for sure. Here the weather's here, the market is.

[Market Mondays Host 3 (Ian Troy)]

Bundle up the mark.

[Market Mondays Host 1]

Yo, man, shout out to the market, man.

[Market Mondays Host 3 (Ian Troy)]

It.

[Market Mondays Host 1]

It returns favors, it gives favors, it takes back, it shakes out the fakes. It does all those things, man. But sure, we understand how this works, man. So welcome back to Market Mondays. We are live. We are live. We are live. We are live in the flesh, man. Shout out to everybody. Hopefully everybody's doing well. Had a great Thanksgiving weekend, and just when we thought there was no money to go around, we crushed black.

[Market Mondays Host 3 (Ian Troy)]

Record spending, record spending record. Jennifer Lewis tried to tell us no spending for the holidays, and everybody went crazy.

[Market Mondays Host 1]

So they went crazy. Shout out to Jamal, Brian, Tamika. We was out. I sold them out at Target. And these, they was. They was out there. They just couldn't stop it, man. They just couldn't stop the madness. But hopefully everybody made it safe. Got some good things for the family and, you know, you had a good time over Thanksgiving. Sorry. How you feeling, man?

[Market Mondays Host 2 (Rashad)]

I'm good. I'm good, you know, happy to be here. Just happy to be here. That's it. A lot going on, for sure.

[Market Mondays Host 3 (Ian Troy)]

Sure.

[Market Mondays Host 2 (Rashad)]

So congratulations to Nas.

[Market Mondays Host 1]

Yes.

[Market Mondays Host 3 (Ian Troy)]

Oh, yeah, for sure.

[Market Mondays Host 1]

Watch that live, bro.

[Market Mondays Host 2 (Rashad)]

Man, we got a lot to talk about today. Blackout dope episode of Blackout, 10 o' clock Eastern Standard Time. You know the time, you know the place. We got a lot to talk about. We're gonna. We're gonna get into it. We're gonna get into it. Let's just say that it's a lot.

[Market Mondays Host 3 (Ian Troy)]

That happened last week and a lot that's gonna happen this week. Blackout. Let's blackout game Europe.

[Market Mondays Host 2 (Rashad)]

That's a fact. Thursday at 6 o', clock, we got a special episode. We got my boy Aquaman.

[Market Mondays Host 3 (Ian Troy)]

Oh, okay. Yeah, yeah, that's what I'm saying. Right by the.

[Market Mondays Host 1]

Yep.

[Market Mondays Host 2 (Rashad)]

Yeah, yeah, we did that when we was in Dubai. Well, shout out to Daniel for connecting that.

[Market Mondays Host 1]

Absolutely.

[Market Mondays Host 2 (Rashad)]

Aquaman. He. He owns 38 water parks in the Middle east, and I believe he's the owner, the largest on water inflatable water park in the world. And he's the. He's the one that actually showed us the billionaire card. So there's a lot. He got a lot of information to provide.

[Market Mondays Host 1]

Yeah.

[Market Mondays Host 3 (Ian Troy)]

Let's just say that that is a fact.

[Market Mondays Host 1]

It's one of those episodes that you sit there in the episode and you realize what everything that the man is saying, it's like, damn, he right. He's right, he's right. And then we had a conversation about an hour after the episode that was just mind boggling. It had me contemplating some things, man. I'll be honest. He gave me a dead readjust. Yeah, yeah, yeah, we got to readjust some things. We might have to revisit some places. But yeah, he gave me a deadline. He was like, look, I'll hold you to this deadline. That's it. I'm holding you to it.

[Market Mondays Host 2 (Rashad)]

So, you know. And then later on in the episode, later on in this episode, we got Jason Gomphy, the creator of the quarter zip movement. As you see, I got my matcha still sipping matches my shots and quarter zip.

[Market Mondays Host 1]

Yeah, this goes. Yo, man, we are. We are in tune. I'm happy to see everybody here.

[Market Mondays Host 2 (Rashad)]

It's only right. So. Yeah. So this is gonna be. This is gonna be a great episode. Get your notepads ready. We got a lot to talk about. Disclaimer.

[Market Mondays Host 1]

Ah, let's get into that. Let's get into that. Y' all know how this works, man. Do your own research. Our content is intended to be used and must be used for informational purposes only. It's very important to do your own analysis before making any investment based on your own personal circumstances. You should take independent financial advice from a professional in connection with or independently research and verify any information that you find on our show and wish to rely upon whether for the purpose of making an investment decision or otherwise. And now this works, man. Do the research, share the research. Great. Research pays off. I'm telling you. We witnesses into it, share it. When you, when you hear from a trusted voice, make sure you give credit to that person. Let's build wealth. Let's build community. Let's build our brokerage accounts. Let's build.

[Market Mondays Host 3 (Ian Troy)]

Yep. Hit your free number, exit in silence. Stock club call will be Wednesday this, this Wednesday at 5pm Central. If I made you money, please put yes in chat. Happy related birthday to my uncle. Love you dearly. Happy birthday, Jasmine. Red Panda. Gang, I appreciate you. Let's have an amazing show.

[Market Mondays Host 1]

Yeah. Happy birthday to my brother George. George was good. I spoke to him early. It's his birthday, man. He's 42 today, man.

[Market Mondays Host 2 (Rashad)]

Happy birthday.

[Market Mondays Host 3 (Ian Troy)]

And J. Crew, next time you have a birthday party, Rocky, hit me like, yo, where you at? I'm like, not there.

[Market Mondays Host 1]

Shout out to everybody in here. Shout out to everybody in the chat. Shout out to everybody that market monies has made money in the chat. We watched some things happen last week, man. We talked about it on the show. So some quick run ups. Hopefully everybody executed on information, man. This is, this is the number one place, man. Shout out to y'.

[Market Mondays Host 2 (Rashad)]

All. Yeah, we're gonna be talking about a lot. We're gonna be talking about a lot this week, but yeah. Happy birthday, my brother. Hori.

[Market Mondays Host 1]

H O R E Jorge.

[Market Mondays Host 2 (Rashad)]

All right, let's start with something that we haven't talked about in a long time, which is real estate. So, you know, it's been. I don't know if everybody has been following, but you know, I'mma rattle off some disturbing statistics. One in three Manhattan condos sold for sold in the past year for a loss. 33% of the condos sold in Manhattan over the last year sold for a loss.

[Market Mondays Host 3 (Ian Troy)]

Okay.

[Market Mondays Host 2 (Rashad)]

Home delistings jumped 28 year over year. The biggest spike in a decade. About 57 of all homes sold this year had at least one price cut. Home values in top tier metro areas are down 2.5% year over year. The typical price cut is now 3.7 below asking price. Homes now sit an average of 73 days on the market. That's up 20%. Nearly 70% of active listings are sale 60 plus days unsold. 5.5% of listings were withdrawn in September, highest in at least a decade. Over 2.7% of US homes changed owners this year. Lowest turnover since the 1990s. And US home prices are up only 1.3% year over year, meaning appreciation has stalled. So maybe we can get MG to mortgage guy on here before the end of the year, but that'd be great.

[Market Mondays Host 1]

Very.

[Market Mondays Host 3 (Ian Troy)]

With that being said, you still love real estate, don't you Rashad?

[Market Mondays Host 2 (Rashad)]

A hundred percent. A hundred percent. But extremely disturbing stats when it comes to American real estate. But what does that say about the times that we're in?

[Market Mondays Host 3 (Ian Troy)]

There's a readjustment in the market. But even though while there's a readjustment in the market, the home prices are only going to continue to go up. I was talking to Ish about this on the way here and five years ago in Houston you can probably get five bedroom, six bedroom for five to 700 grand. Those same properties are not going for 1.2. And the inflation hasn't been as high here as in comparison to Miami and New York. It would be a mistake to wait another five or six or seven years to buy something because the value is going to go up. Are we stalling? Yes. Is money slowing down?

[Market Mondays Host 1]

Yes.

[Market Mondays Host 3 (Ian Troy)]

But over time, as with any good investment, the value of the property is going to go up.

[Market Mondays Host 2 (Rashad)]

But I also, I also think it speaks to something that the people aren't, can't afford to buy a home.

[Market Mondays Host 1]

I think that was the point I was, I was going to touch the affordability of it.

[Market Mondays Host 2 (Rashad)]

That says a lot about the economy. Right. As far as I think this says a lot about a variety of different things bigger than just real estate. Inflation.

[Market Mondays Host 3 (Ian Troy)]

Well BlackRock, let's be very honest.

[Market Mondays Host 2 (Rashad)]

Well, it's inflation. They've, they've caused, they've caused inflation.

[Market Mondays Host 3 (Ian Troy)]

They've caused inflation.

[Market Mondays Host 2 (Rashad)]

Inflation. You got inflation. You got staggering wages for sure. You have staggering levels of net worth. Interest rates, rose interest rates. But that all goes into the fact that people can't afford to buy houses. And if they can't afford to buy houses, that's a trickle down effect on a variety of different things that you should be seeing maybe potentially soon in the economy because we're still in a case K shaped economy right now. Your Black Friday spending was at all time highs but still feel like a large portion of this spending is getting done by very wealthy, by the wealthy people, not by the average everyday person.

[Market Mondays Host 3 (Ian Troy)]

And on credit cards for those who are doing like we're record debt levels they're thinking that's going to go up another 2% before year ends. Which is crazy.

[Market Mondays Host 1]

Yeah, I think when you talk about statistics they're always laggard and so by the time we, we see these things, it'll probably be like mid-26, maybe late 26, when you actually see the actual numbers that this quarter actually did. And that's just how we have to look at it. But yeah, I think the affordability part is one of those things that we have to really take into account. Like for an average person, and we looked at those median incomes that you sent earlier. The average person to afford a down payment, that takes a lot, right? That takes a lot of savings. When you talk about interest rates rising, can they now, even if they have the down payment, can they commit to having this amount per month to dedicate for a 30 year mortgage in a fixed rate? You know, some people are doing adjustment rates. They're trying to get a 50 year rate mortgage now. So all these things go into account. But the other part of. Is that people aren't selling homes.

[Market Mondays Host 3 (Ian Troy)]

Oh, yeah, for sure.

[Market Mondays Host 2 (Rashad)]

But they're also not selling because they can't afford to buy a new one. But also it speaks to.

[Market Mondays Host 3 (Ian Troy)]

Hold on, wait, don't leave that point.

[Market Mondays Host 2 (Rashad)]

No, it's a fact.

[Market Mondays Host 3 (Ian Troy)]

Talk about that for a second.

[Market Mondays Host 2 (Rashad)]

Yeah, I mean, if you sell a home, nine times out of ten you're selling it because you want to buy a new home. But now they look at it like, I might as well just add the interest rate. If they got good interest rates, they're like, I'm not going 20, 19, 2020.

[Market Mondays Host 1]

Yeah. So imagine the people in the pandemic that were down at 2.75, 2.3.

[Market Mondays Host 3 (Ian Troy)]

Right.

[Market Mondays Host 1]

Like, why would I get a new home or refinance at a 7% interest rate? I'll just stay in the 2 then.

[Market Mondays Host 2 (Rashad)]

Y' all keep playing this game with nobody coming into the country is hurting the American economy and it's only going to get worse even on the high end. It was what they were saying, you know, all of those apartments in Manhattan, those get purchased in cash for the most part. And a lot of it is overseas investors now they're like overseas investors. They still come to America, but they're not as enthusiastic. They go to Dubai.

[Market Mondays Host 1]

Yeah, yeah, I just saw a report on that. The amount of billionaires that have taken residency in Dubai and millionaires. And millionaires is outpacing New York, which has always been the hub for capitalism and for, for wealth. We had Silicon Valley on the west coast, we had New York here. And now Dubai has become. I don't even want to call it emerging. It has emerged.

[Market Mondays Host 3 (Ian Troy)]

Oh, yeah, sure.

[Market Mondays Host 1]

It's here.

[Market Mondays Host 3 (Ian Troy)]

Yeah.

[Market Mondays Host 2 (Rashad)]

Somebody said, why Dubai no taxes, quality of life through the roof. No crime. No. No police sirens. No. No littering, no trash, no poverty.

[Market Mondays Host 3 (Ian Troy)]

Endless business. And I know some people say it has no culture, but if you have family there, there's a lot of familiar culture around there. Like, I travel to a lot of cities. Most cities don't have a vibrant family structure or just families getting along. That's there. Thriving business community. This is what America was in the 1950s. I keep saying it over and over again.

[Market Mondays Host 2 (Rashad)]

All right, what about the real estate? What about the. The trading tip of the week? What's the trading tip of the week.

[Market Mondays Host 3 (Ian Troy)]

For my futures traders? I want to be very honest and say I want you guys to have less fear and more kahunas. The thing I do love about the options market is that people who just started options trading, they're like eight contracts and they're going to hold. Meanwhile, futures traders play it too small. So a target that I love is 33 contracts. Go for 42 ticks on the S P 500. That's a little bit over 10 points. That should put you like over 17 grand per trade. And if you get two or three of those in a month, you'll be a. Okay. But the lesson for this week, you have to learn when to put on size. You can't play the one to four contract game forever because you're going to miss your window of actually making real money that can change your life, that you can then put into the market or buy an amazing property like Rashad did on a discount. You have to have enough cash flow to be able to do so. So 33 contracts is a target I love. Go for 42 ticks, you'll be at 17 and some change per trade. Do that three times a month and you'll be okay. But have some balls to trade, have some cools.

[Market Mondays Host 1]

I'm with you.

[Market Mondays Host 2 (Rashad)]

You do.

[Market Mondays Host 1]

I'm all about the mitigated risk. But yeah, having two contracts go to a thousand percent sucks when you could have had like five, right? It just. Yeah, you gotta have the capital. I just want to add to this because I've been. I've been having conversations with people, especially since the last options class, about emotional intelligence. I feel like that that's. Overall the theme that has just been coming back into my conversations is the emotional intelligence. And in life, that's necessary, right? To navigate through the world, to navigate through relationships, to navigate through business, you.

[Market Mondays Host 3 (Ian Troy)]

Need to have it.

[Market Mondays Host 1]

Investing it.

[Market Mondays Host 3 (Ian Troy)]

It.

[Market Mondays Host 1]

It's also needed, right? So like when we see. When we have Volatility like we did two weeks ago. Like, how are you reacting to that? Like what, how, how do you feel when you see your account go down? It draws down because the entire stock market went down. Are you moving right? Are you budging? Are you selling? Like a lot of people that some people, I shouldn't say a lot. Some people will sell. Some people will say, oh, we've been here before. Some people, this is their first time, and they're like, hey, there's no way to start my investing journey.

[Market Mondays Host 3 (Ian Troy)]

Right.

[Market Mondays Host 1]

But this is why we always talk about long term. This is always why we talk about buy time. Because when you buy time, you're buying into it. The volatility of the market, you can't control that. We had this conversation the other day. I'm like, yo, we made an investment. I'm like, look, we got time, we got, we got some time on our hands. It's a strong company. We gotta really believe in the company, believe in the research. It's like, have emotional discipline. But when you do your research, have conviction in it. Trust what you, what you did, trust what you did. And even if, right, there's a drawdown or it hits that threshold, remember you had your plan, right? If it was 20, 30, 40, I know some people 50. All right, well get back in, get back, and there'll be another opportunity. If you believe in that con, if you trust the research that you've done, have conviction, but have the emotional talents just to say, you know what, I understand what this feels like. Because the day that you run up 60, you should feel the same. Exactly.

[Market Mondays Host 3 (Ian Troy)]

Happening. Yep.

[Market Mondays Host 1]

Yeah, right. It should be even killed. Have your seatbelt on, trust the research, trust what you're doing and just be patient.

[Market Mondays Host 3 (Ian Troy)]

And on the Future side, like 33 contracts for NASDAQ is 33,000es. The 16, 500. I'm not saying it's a small chunk of change, but I know some people who are doing a hundred thousand dollars elsewhere and getting 9%. And it's like if you're able to get 2 to 400% inside of a trade or two at some point, know when to put on risk. If you have your, you have to have your long term portfolio set up first.

[Market Mondays Host 1]

Yeah.

[Market Mondays Host 3 (Ian Troy)]

And even with this drop, this happened, if you've bought in March, in April and last, you should still be up a tremendous amount.

[GoFundMe Advertiser]

Yeah.

[Market Mondays Host 3 (Ian Troy)]

Now you can put on some risk. And if the market's falling to the downside and you're shorting, you should be up even more. Stick to your game. Plan.

[Market Mondays Host 1]

Do you like to show the market?

[Market Mondays Host 3 (Ian Troy)]

Hell yeah. When it's falling. And it's a great lesson. Only short when the market is falling and go long when it's going up. That's why I say you have to obey direction.

[Market Mondays Host 1]

Yeah.

[Market Mondays Host 3 (Ian Troy)]

Look at that. Month, a week, then day. Obey it always. But when the market is falling, the market is going to fall faster than the Caras.

[Market Mondays Host 1]

Right.

[Market Mondays Host 3 (Ian Troy)]

Got to take advantage of it.

[Market Mondays Host 1]

I'm just not only in, in futures is for sure. I've just never, I've never been a, a big put guy.

[Market Mondays Host 3 (Ian Troy)]

It's probably not worth the risk. But the futures market is evenly weighted, right?

[Market Mondays Host 1]

Right.

[Market Mondays Host 3 (Ian Troy)]

Because they only care about the transaction and liquidity inside of it. So you're getting in and out inside of a day anyway.

[Market Mondays Host 1]

Yeah.

[Market Mondays Host 3 (Ian Troy)]

So you're just playing the true direction.

[Market Mondays Host 1]

That's why I say in the futures market makes a lot of sense.

[Market Mondays Host 3 (Ian Troy)]

Yeah.

[Market Mondays Host 1]

I just don't have the. You move around so much and like I said volatility happens puts and if people do that great. You can make money both ways. Right. When the, the market goes up you can make it on calls, you can make it on puts on the way down.

[Market Mondays Host 3 (Ian Troy)]

Yeah, great.

[Market Mondays Host 1]

If you're skilled at that, great. If that's your strategy, great. I just never have been big on it.

[Market Mondays Host 3 (Ian Troy)]

There's no reason to go short an asset that normally goes long. Michael Burry, I love you dearly. There's no reason to continually short an asset that goes up in perpetuity.

[Market Mondays Host 1]

Yeah. Yeah.

[Market Mondays Host 2 (Rashad)]

Speaking of that. Yeah speaking of the asset that goes up, we have to talk about Apple. The rumors of its decline have been greatly overrated. Today when the market was down, Apple hit a 52 week. Hi. Yeah, it is back on track. $283. So Apple quietly is having a, having a stellar year again and is quietly moving up the mountain.

[Market Mondays Host 3 (Ian Troy)]

Risk off.

[Market Mondays Host 1]

Risk is off.

[Market Mondays Host 3 (Ian Troy)]

And for the record, I never took it out of two tech Red Panda. Yes or no? See or no? Never. Never took it out. I just said Tim Cook should be replaced.

[Market Mondays Host 1]

They said you were doing Apple wrong. But I never left them.

[Market Mondays Host 3 (Ian Troy)]

I, I never left. And then they reported that he's going to leave and today Apple's head of AI steps down. So two things can be true at the same time. If you listen I can make you money. So but the, the bigger theme for right now, I put this in telegram for Stock club before we started. Risk is off. And Microsoft, Apple and Google are going to act like a safety haven, like a bond because no one wants our American debt anymore. So the projected return for Apple over the next four years is supposed to be 25 to 33%. That would effectively replace the bond market. So the big money is going to flow to places where it can get a return and not have to worry about a 25 or 60% decline. And in markets like this, I think they're going to do a hell of a lot better. But do they still need to fix their AI strategy? For sure.

[Market Mondays Host 1]

I, I think when we had this conversation, it was kind of one of those things they remember. I was like, yeah, I think we're looking at this. Maybe they're looking at this a little bit differently than how we were seeing it in the sense of like, everybody's rushing out to see what the product is, what the product is. And their thing was kind of let's sit back and see what happens and let's trust the regional approach that they, they said that they were going to take with going into India trying to get China sales for the first time. They now passed their number one back in China. The iPhone 17 beat all the sale projections. And this seems to be an uptick for 2026. And then quietly, nobody was like talking about this. They, they're in talks to, to, you know, use intel, which, which why we saw Intel 10%. And so that AI strategy should be interesting. Right? Like you said, the, the head of AI stepped down. But if we watch how Google rolled out their approach to AI, I feel like something similar is happening here. Right where it was like it was gpu. Gpu, gpu. We were like, what's go. Going. What's. What are they going to do when they. Oh, here comes tpu. Oh, okay. This is, this is different. Like how, how we are going to maneuver in this environment now. I feel like Apple has been positioning themselves. Still haven't acquired anything. Yeah, right. IPhone is still the product. That is right. They, they have expanded in the, in the regions that they once dominated. They're back dominating, which is why we're seeing this. Right. But I, the Intel play tells me that, all right, there's something coming from this, right. You, the government, the government's been involved one. And now you have Apple in talks. There's something here that we have to do a deep dive into.

[Market Mondays Host 3 (Ian Troy)]

It's like an arrangement marriage that Trump put together to get return back on it. To be very clear, and I'm not talking to the normies, I'm talking to the exceptional. I never said take Apple stock club, yes or no.

[Market Mondays Host 2 (Rashad)]

And yeah, I don't know what happened to the stock ticker. We were, I just.

[Market Mondays Host 3 (Ian Troy)]

Next week.

[Market Mondays Host 2 (Rashad)]

Yeah, let's just. I see the comments. Disappointment. Not sure what happened to the stock ticker.

[Market Mondays Host 3 (Ian Troy)]

They're disappointed that we don't have it this week, sir. Listen, when you Chef. Well, to have the masterpiece like you guys had on Thursday, it takes time because if it looked ugly then it would be like, oh, that's what y' all came up with.

[Market Mondays Host 1]

So patience, patience, patience.

[Market Mondays Host 2 (Rashad)]

But what I do know, like I said, 2Tech2 index. Apple has been a staple in stock club for the inception eight years. And with that being said, shout out to everybody that took advantage of that market Monday's Black Friday sale. That bundle pack that we put together, it is officially sold out. You will be getting your information about Nvidia in the next week or so. But yeah, everybody that took advantage of that, that's lifetime access to stock club. Lifetime access to EY University 2026 Invest Fest VIP ticket in person mastermind in Washington D.C. capitol Hill tour in Capitol Hill, like in the Capitol Hill meet with high level politicians, the queen of AI myself, Ian Troy, in person Mastermind. And then the exclusive trip to Nvidia's campus. Talk with Nvidia executives going over the latest product, deliverings a few other surprises. Oh yeah, yeah, yeah.

[Market Mondays Host 1]

A few other surprises.

[Market Mondays Host 2 (Rashad)]

So that's major. So like I said, we'll be getting the information to you guys soon as far as that Nvidia situation and the in person mastermind. But kudos to everybody that took advantage of that. You're one step closer to, you know, hitting that, hitting that mark. Now Cyber Monday for anybody that was not able to take advantage of that Black Friday deal, maybe the price point was a little too steep for your pockets. Is, you know, difficult times right now we are doing a Cyber Monday deal. Five year access to EY University. Five year access to Stock Club. 50% off of the price. That was the Black Friday deal. So the Black Friday was for a certain demographic of people. But if you were not able to take advantage of the Black Friday deal, you can take advantage of the Cyber Monday offer. Five year access to stock club. Five year access to EYO University Market Mondays deal.com market Mondays with a S market mondaysdeal.com 48 hours only. This will end by blackout on Wednesday. 48 hours only. First serve stock club. You get the prices, you get the weekly calls, you get the targets. EY University, amongst other things you get choice options class where he actually goes over his portfolio, talks about different trades. We got the app, we got the community, we got the real estate Home Buyers Blueprint Volume 1, Volume 2 Monthly Financial Planning cost regional groups a lot going on. Let's just say that market mondaysdale.com if you want to take advantage of it. 48 hours only stock club Iwan University bundled two together.

[Market Mondays Host 3 (Ian Troy)]

Yes. And for those of you accent, I'm not individually doing nothing now or Christmas or Rosh Hashanah. So no, no, this is Matcha.

[Market Mondays Host 1]

We're not excluding anyone.

[Market Mondays Host 2 (Rashad)]

This is Matcha, ladies and gentlemen. So it'll all make sense.

[Market Mondays Host 3 (Ian Troy)]

Kwanzaa deal. Nothing.

[Market Mondays Host 1]

We covered all bases.

[Market Mondays Host 2 (Rashad)]

Let's get it. Let's talk about Elon Musk. He was asked recently, you know, if he, if like what stocks he he's into. And he was like, you know, he doesn't really invest in stocks too much. I mean it would make sense. I love these answer the richest person in the world, he was like, you know, he just focused on building his companies. Then when his companies become public then he owns a lot of stocks in that company, which is Tesla, which will soon be SpaceX, which will soon be, you know, a variety of different companies that he has involvement with. But he said if he did, if he did, you know, if he were looking at the landscape and he were to pick two stocks, he said it would be Google, my baby. He said Google's done a tremendous job as far as where they're going to be in the, in the AI race. And then he said Nvidia is you is inevitable. Like you can't get around Nvidia. That's just like a no brainer.

[Market Mondays Host 3 (Ian Troy)]

Yep.

[Market Mondays Host 2 (Rashad)]

So he spoke about Google and he spoke about Nvidia as far as like if he was to actually be in the, in the stock world, those would be the two companies that he would, he would have confidence in investing in. What are your thoughts on that?

[Market Mondays Host 3 (Ian Troy)]

It's the other side of wealth building that people don't talk about publicly. But I love that we have the show so we can, if you can build something that goes up 150,000% of return or 700,000%, it's better to put all of your tangible time into build an asset. There are certain people who are asset drivers and GDP drivers regardless of political dispersion, he is one of them. So if I can build a SpaceX Starlink I think is the darling of the portfolio probably best company there. Tesla we already know story tradition at PayPal mafia. If I can build things that go up 15,000x it's much better to build the thing and then get the value. If you can't do that, then you have to invest in. Because I always say, if you're entrepreneur, are you better than Tim Cook, Elon Musk? Now we got to throw Sam Altman, even though he's having some issues. Right. Are you better than the top 10 CEOs? He's better than a lot of the top 10. Therefore, he should focus on wealth building by building a company. And even if you, you're not, you have to build a business in combination. Now, I've been telling this to podcasters for we'll talk about it Wednesday. A lot of streamers and podcasters are going out of business. A lot of rappers too. They wouldn't have though. I've told 200 people the strategy four executed. You have to invest in the media companies that you're uploading and using your services through. Most don't do it. And there's a tail of two, two media broadcasters, one that does and one that doesn't. There's not as much. There's too much saturation in some of these markets. So people are going out of business, but you have to build a business and then invest. It's the only blueprint. It's the only blueprint. And I love the honesty of the answer because one of the things that most wealth builders don't tell you is how they build that rocket ship, no pun intended, to generate wealth for themselves regardless of what the market is doing.

[Market Mondays Host 1]

Yeah, I, I always tell people, listen, you gotta study the movements, follow the money. Study the movements, follow the money. Last week when we, I talked about Jensen and him sitting down and having this conversation, to his right was Elon Musk. No surprise when Elon asked you ask him what two companies are going to be prominent. It's going to be those two. We obviously know what Nvidia is going to mean to the economy. What we already know what it means. Now we can see where it's headed. We can see that Google has made an imprint here. But when you listen to Sundar speak, the CEO of Google said something very interesting last week and he was talking about power, right? Xai uses what uses the GPUs. They're thinking about maybe they'll partner to use TPUs from Google. But that wasn't the thing that really like caught my attention. It was, they weren't talking about data centers here on Earth. They're talking about putting data centers in space.

[Market Mondays Host 3 (Ian Troy)]

Elon or Sundar?

[Market Mondays Host 1]

Sundar.

[Market Mondays Host 3 (Ian Troy)]

Yeah.

[Market Mondays Host 1]

So now when I'm listening to Google and I'm Thinking to myself, they're putting, they're going to do data centers in space because they can use the solar power. I'm like, oh man, this is different. Well, I'm thinking like, well, how would they get space exploration? That's not really a division that they've really focusing on. Then I'm starting to hear partnership, right. You start putting these tea leaves together, right? Who has mastered space exploration? Who has that division? Who has a company? Well, isn't that what space is doing? When we talk about the satellites that are already orbiting the Earth, we, we covered that in, in very great extent. And I'm like, oh, this is, this is where they're going. So start watching those tea leaves start. When these CEOs start talking about each other and they're starting to praise each other, it's for a great reason. Partnerships are happening whether we know about them or not. They're already looking toward the future. When I'm looking at, we're just trying to figure out how they're going to power the data centers here on Earth. Right. Like we've talked about Meta in Louisiana. We've talked about all these, these, these data centers in the Midwest. We've talked about the fabs that TSM has put in Arizona. Now they're thinking like, hey, we, we, we got this covered. Where's the next space? And that's going to be, that's going to be orbiting the planet. So interesting that he says those two companies.

[Market Mondays Host 2 (Rashad)]

And then somebody said well what. Which Because Ian said but content creators to invest in the companies that they upload content to. And then somebody in chat said which, which would be with a question mark. So Google, Google because Google owns YouTube. Meta because meta owns Instagram and Facebook.

[Market Mondays Host 3 (Ian Troy)]

And Apple created the ipod. It literally created podcasting from the term ipod.

[Market Mondays Host 1]

Yeah.

[Market Mondays Host 3 (Ian Troy)]

Sometimes it's just hidden in plain sight. Yeah, Invest in those three.

[Market Mondays Host 1]

I mean they're solid. This, this has been always been the Google case. Which is why we have to have glue in the portfolio. Since it was. We have. I remember we had these convers, these in depth conversations. Yeah, it's got to be. You got. YouTube is. Yes, it leads it. But you know, they still have the cloud business and now you can see what they've done it with inside the AI bit. And they're not done. They're not done. They're just getting started. They are, the partnerships are going to start increase which is why we said like, hey, tpu, gpu, IO, it don't matter.

[Market Mondays Host 3 (Ian Troy)]

They're gonna Google five Google and Five.

[Market Mondays Host 1]

I owe you. It don't matter. It don't matter, right? It's gonna need power. And the other thing that is going to need is storage. So that's why we always talk about memory, memory, memory, because it still needs the brains to the operations which is going to store all that data.

[Market Mondays Host 2 (Rashad)]

And it also speaks to the importance of investing in ETFs. So I mean Google as an individual stock, but invest with Invesco. Qqq, we talked about that, put a tweet out last week where $10,000 in Nvidia. If you would have invested $10,000 in Nvidia 10 years ago, right now it'll be worth $10 million, $10.3 million. So the first thing that people will say was like, well, who knew Nvidia 10 years ago was going to be what it is now? But okay with that is with that said, if you would have put $10,000 in Q. Q. Q. 10 years ago, it'd be 43 000.

[Market Mondays Host 3 (Ian Troy)]

That's a good.

[Market Mondays Host 1]

Yeah.

[Market Mondays Host 2 (Rashad)]

If you put $10,000 in XLY 10 years ago, it'd be 31, 000. If you put $10000 in Spy, it'll be 28,000. So even with quote unquote safe investments over the last 10 years, you would have quadrupled, tripled or at the very least doubled your money by investing it. So yeah, I mean the individual. But if you don't think that technology is going to continue to move the economy forward, where have you been? You're out of your mind.

[Market Mondays Host 3 (Ian Troy)]

Economy forward?

[Market Mondays Host 1]

Yeah. Where have you been?

[Market Mondays Host 3 (Ian Troy)]

And 94 of those are flat or slightly underwater. If you look at inflation, another thing you have to look at is net margin, Google, Microsoft, Apple, Meta, all have amazing margins. So. And I saw the comment earlier with a brother said you have to be a nerd to want to tune in. No, they trick us to thinking that you need to be a nerd to know how money moves. When we move the market for a bunch of companies, you don't have to.

[Market Mondays Host 2 (Rashad)]

Be a nerd, just. You just have to want to hear elevated conversations, quarters, Ipson.

[Market Mondays Host 1]

Why wouldn't you?

[Market Mondays Host 2 (Rashad)]

I too used to debate rap for endless hours on it.

[Market Mondays Host 3 (Ian Troy)]

It doesn't matter.

[Market Mondays Host 2 (Rashad)]

But at some point in time I realized that I needed to make money to support myself and my family because.

[Market Mondays Host 3 (Ian Troy)]

Kaiser and all input, they money, right? Even, even the music, conversations, all those benefit Spotify, Apple and the social media platforms. Meta, those are tech businesses but they're not evaluated like tech businesses. So they can rob the Artists and inflate the value of the tech companies.

[Market Mondays Host 1]

But I feel like they are though.

[Market Mondays Host 3 (Ian Troy)]

I mean they are, they're just not valuable as such. Right, right.

[Market Mondays Host 1]

Because all of them have the tech component, which is when we talk about valuation and we have this conversation in private, but like that valuable, I'm like, well, what are the, the ingredients? Like what are the things to get the highest multiple? And everybody that we talked is like you, what's the tech component that you have in the business?

[Market Mondays Host 3 (Ian Troy)]

Right.

[Market Mondays Host 1]

Do you have an app? Do you have, what's the user base, what's the retention? Like all those numbers coming to matter so much. And we don't think, we just think like, hey, we're going to use the app, we're going to listen to music.

[Market Mondays Host 3 (Ian Troy)]

No average watch time. You think Future doesn't have a longer watch time than 15th best AI company? I would debate that. But they value it as a certain thing. Same thing with the classification of stocks. Everyone doesn't get tech classification. Some going to communications, some going consumer discretionary because it lowers what the valuation could be.

[Market Mondays Host 1]

Yeah, that's what you said. When we think Google, we're thinking, oh, that's a tech stock. Right. But if you look in Spider's fund, it's not inside of xlk.

[Market Mondays Host 3 (Ian Troy)]

Yep.

[Market Mondays Host 1]

Amazon's not inside of xlk.

[Market Mondays Host 3 (Ian Troy)]

It's crazy.

[Market Mondays Host 1]

Like meta's not inside of there.

[Market Mondays Host 2 (Rashad)]

Okay, let's talk about bitcoin. Bitcoin been on a roller coaster ride of sorts over the last couple of weeks. Hit low 80s, then spiked back up to low 90s, then dropped like yesterday, 4 or $5,000 and now it's hovering around the 86,000 mark. So we talked about bitcoin a few different times in this, on this show as far as what could potentially happen, what history would say is going to happen if, if it follows what it has done historically. So bitcoin right now we're in a interesting space right now where it could potentially, you know, close the year very strong or we could see a fall and you know, it looks like that 80,000 is a hard line, that it hasn't really crossed over too hard. But we could potentially fall back into the 70s and then after that, who knows? Free fall. So where do we stand with the current situation when it comes to bitcoin?

[Market Mondays Host 3 (Ian Troy)]

If you're a long term believer in it, you have to love it at this level and even lower. I'm going to reserve our bitcoin prices after last. What price did I tell you all last week? But from going Forward. I'm going to reserve our price for Red Panda Stock Club to take care of the people who joined last week and who joined this week. But if you think that the value. Okay, if you think that the American banking system is not going to improve, the fiat is not going to improve, that the debt to GDP ratio is not going to improve, then you have to love Bitcoin at these prices. I don't know how you can love them at 100 but then hate it at 86 currently. And if it possibly gets down to 74,000 and some changes, you have to love it. I think everyone is thinking too shortsighted about right now and what to do for the next week and they're not looking to think what's going to happen over the next three months or the next two years for where the price could be.

[Market Mondays Host 1]

This is that emotional intelligence piece that I was thinking about earlier. It's like, what do you, what do you think about Nvidia right now that it's 180, I'm like, I like it. There's right. What do you think about if it's at 160, I love it there. Well, it's falling. Well, I still love the company because I understand the thesis. Or it's like when I. You believe in it and you have conviction. It's like, yes, it's going to places that you haven't seen or you didn't get enable the ability to invest in. Right? So when we saw that 121, you thought it was too high. When it got down to 110, you thought it was too high. Right. But it's falling down. When it got to 100, you're like, well, if this thing falls any lower, I might invest. But then it goes to 82. When you think to yourself, damn, it might still go lower. I'm not going to do this. If you believe in Bitcoin and you're going to hold it for the long term, you should invest.

[Market Mondays Host 3 (Ian Troy)]

I will say, though, when 27 comes though accumulation season one, there's always a.

[Market Mondays Host 2 (Rashad)]

Thing of dollar costing. So if, if you believe in it, you should invest. But not necessarily every single thing that you have in your name. No, but you can always, even if you anticipate it going lower, at some point, you hedge. You hedge your investment. You put some money in now and then maybe, okay, when it gets in the 70 range, you put some more money in. Then even if it gets to the 60 range, you put some more money in. Because the thing about it is that you have to think that it's going to go up over the course of time. If you believe in it. If you don't believe in it.

[Market Mondays Host 1]

Yeah.

[Market Mondays Host 2 (Rashad)]

Then don't purchase it. But I mean, history, history has proven that Bitcoin has been the best performing asset class ever created since it was.

[Market Mondays Host 3 (Ian Troy)]

Created for public markets yet.

[Market Mondays Host 2 (Rashad)]

So, yeah, so. And like I said, we talked about this on blackout, but in 2013, Bitcoin, Cyprus banking crisis, Bitcoin went from $2 to $100. And people were thinking that it was.

[Market Mondays Host 1]

Too much, too high.

[Market Mondays Host 2 (Rashad)]

And then when I first, when I first purchased bitcoin, it was $5,000. People thought it was too much then. And then it went up to 20,000 and people thought it was a complete scam. And then it fell. So I mean, if you're playing this game with bitcoin, you got, you got to have a strong stomach. I don't think that you can really, you know, you just gotta play, play the long game on it. But like I said, it's very good chances that bitcoin goes down. But it's a slingshot. It goes down and come back up.

[Market Mondays Host 1]

That's volatility. That's what. Put your seatbelt on. Yep.

[Market Mondays Host 3 (Ian Troy)]

Yeah. Having cycles matters, but you also have to look at the institutional cycles too. Now Vanguard is having Bitcoin ETFs inflows coming in that while sailors being attacked. That matters. That matters a hell of a lot.

[Market Mondays Host 1]

I think that's important too.

[Market Mondays Host 3 (Ian Troy)]

Right.

[Market Mondays Host 1]

So when we look at the typical cycle, this is, I can't say this is a typical cycle anymore. These aren't regular cycles anymore. When you talk about institutional investing, when you talk about ETF inflows, because in November we saw the largest outflow of Bitcoin ETFs, right. People have sold out of it. So that's different. This wasn't a part of the equation in 2018. It wasn't part of the equation in 2022. It is going to be part of the equation in 2026. So we have to evaluate a little bit different. Right.

[Market Mondays Host 3 (Ian Troy)]

Black.

[Market Mondays Host 1]

All we now we know, right. We were listening to all these institutional firms saying that it's a scam, you shouldn't do it, you shouldn't be involved. All that's done. All that's done. The paperwork is there. They're all here. This is a space that they are now participating in with retail investors as well. We already know that they're the whales in this, in these positions. So the cycles are going to look a little different. That's why I'm. I'm very interested in seeing how it closes out this year and how we run into next year.

[Market Mondays Host 3 (Ian Troy)]

Hope for the long term that that's the.

[Market Mondays Host 1]

The most.

[Market Mondays Host 3 (Ian Troy)]

Because if you look at a decade window, the returns on a 5 year and 10 year are so astronomical it almost makes sense to be a bear in that market. When you're looking at the 10 year returns, it can give you a generate that will be the start of the generational wealth. Same with Nvidia, same with Microsoft. Like those 10 year hold cycles are.

[Market Mondays Host 2 (Rashad)]

Really key narrative, ma'. Am. 9, 7, 8. You have been blocked. But I do love you. The good thing about YouTube is that when you block somebody, they can still watch the show. So you're not banned. No, because.

[Market Mondays Host 1]

Stay with us.

[Market Mondays Host 2 (Rashad)]

But your. Your line of questions.

[Market Mondays Host 3 (Ian Troy)]

Get out. But stay here.

[Market Mondays Host 2 (Rashad)]

It was too aggressive. And do we want to clean up.

[Market Mondays Host 3 (Ian Troy)]

The question to give.

[Market Mondays Host 2 (Rashad)]

I was trying to, but I didn't fully understand what. How she was trying to word it.

[Market Mondays Host 1]

But I completely missed it.

[Market Mondays Host 2 (Rashad)]

You have to be careful how we talk to each other. That's important. So when you're running your business, you're gonna have to deal with customer service issues. Like, you know, somebody might come into your restaurant and they might want things. And how you deal with the customer is extremely important. But how the customer deals with you is even more important.

[Market Mondays Host 3 (Ian Troy)]

So client selection will make a breaker business.

[Market Mondays Host 2 (Rashad)]

Vitally important. You get, you get the experience of. Of the energy that you put out. That's the experience that you're going to get back. If you would have asked the question in a more respectful, polite manner, I'm sure we would have answered it. But you asked it in a very aggressive, disturbingly aggressive manner. And now you won't get your question answered. So was it worth it?

[Market Mondays Host 1]

I gotta. I want to see. I gotta pull up this.

[Market Mondays Host 3 (Ian Troy)]

You gotta do Edwin because somebody put.

[Market Mondays Host 2 (Rashad)]

Damn.

[Market Mondays Host 1]

So I'm start reading these chats to Edwin. My guy a legend.

[Market Mondays Host 2 (Rashad)]

Okay. MicroStrategy.

[Market Mondays Host 1]

How you feel about mega strategy?

[Market Mondays Host 2 (Rashad)]

I think that as long as bitcoin goes down, it's going to be a tough, a tough climb for him.

[Market Mondays Host 1]

Yeah.

[Market Mondays Host 2 (Rashad)]

But I think that if he can weather this storm. You see the. It's either. It's either going to be all or not. It's 100. It's a zero. 100 it ain't. There's no, there's no middle ground with MicroStrategy. Five years from now, you see the Micro strategies is going triple what it is now or five years from now MicroStrategy is going to get delisted because he's holding so much Bitcoin. He's put himself in a real position of power, but. But he's also put himself kind of in a vulnerable position. If he, if he can't, if, if, if the tide doesn't turn quick enough in his favor.

[Market Mondays Host 1]

Yeah, and this is like part of the. When we had the conversation a couple weeks ago, I was like, how many negative quarters can we have before they're gonna make some type of arrangement here? So this is interesting. This happened today. MicroStrategy, potentially, like this is potentially is bracing for a possible Bitcoin winter. Issuing 8.2 million shares on MicroStrategy stock last week to raise $1.4 billion. I want to use the word raise very loosely here, but this is what's being reported that will allow it to cover all of his interest payments for the next 21 months. Reading that, I don't know how confident an investor should feel.

[Market Mondays Host 3 (Ian Troy)]

Right.

[Market Mondays Host 1]

Like, you're looking out 21 months ahead because you may not be able to pay interest payments. You quote, unquote, raise 1.4 billion by selling 8.2 million shares. You already. They're looking ahead and they're seeing if this thing doesn't reverse after 21 months, then what? Obviously, there's other metrics that they have involved. There's supposed to be some convertible bonds that come into effect at that point. But that doesn't give me positive sentiment when we're talking about an investment from the Michael, not bitcoin, but Michael strategy specifically.

[Market Mondays Host 3 (Ian Troy)]

Yeah. Because he, he has to make sure that the company doesn't go insolvent. So he's doing future forecasts. And I'm sure he's got the warnings about the slight attack that is against him. I think most of the. We're not there yet, but most of the heavy bleeding to the downside, I think is coming up soon. I do think we can get into double, like, maybe high 90s, worst case scenario. But I think we should stop around like 120 or 100 1327, like from a technical analysis standpoint. But the most important thing, which is like, I've been working on like this for our last episode of the year. Like what the biggest lessons of the year. It's not number one, but two is the acquisition in which you acquire the asset matters more than a quality of the asset. For him to have arguably the greatest asset on earth that is publicly traded or publicly available, to be down this much makes no Sense. But the acquisition price matters a hell of a lot, and I wish he would have calibrated for that a lot better, but a little bit more bleeding to come. But I think. I think Mike's a warrior and I think he'll come to an agreement with the powers that be so he can exist. But there's a lot of pressure from Vanguard and Blackrock right now that he's going through for sure.

[Market Mondays Host 2 (Rashad)]

Yeah, we'll see. He's on a lot of pressure.

[Market Mondays Host 1]

They said the average bitcoin price for him is between 65 to 70,000. That's what he's purchased at average.

[Market Mondays Host 3 (Ian Troy)]

Okay. Not a fair price.

[Market Mondays Host 1]

Yeah. 126.

[Market Mondays Host 3 (Ian Troy)]

But is that good? That or bad debt? That's why when everybody brings it, we shall see.

[Market Mondays Host 1]

Now we shall see.

[Market Mondays Host 3 (Ian Troy)]

If they call on the debt, that sounds good. If you never had that called on you, you can have good debt called on you. If a bank acquires the bank that's holding your paper, and all of a sudden, even if you don't fit a risk profile for a bank, they'll say, let me get my seven million.

[Market Mondays Host 1]

No, we come up there. Yeah. When they come without the mask, you know what they're coming for.

[Market Mondays Host 3 (Ian Troy)]

Paid up.

[Market Mondays Host 2 (Rashad)]

Shout out to friends. They coming with the math. They coming for your ice.

[Market Mondays Host 3 (Ian Troy)]

Yep.

[Market Mondays Host 2 (Rashad)]

They come in bare face.

[Market Mondays Host 3 (Ian Troy)]

Yeah.

[Market Mondays Host 2 (Rashad)]

They coming for your life.

[Market Mondays Host 1]

That's a fact.

[Market Mondays Host 3 (Ian Troy)]

Because Grayscale went through a similar. I'm not going to say attack, but they were ahead of the curve and it didn't move as much as it should have as a result. And then once again, happened with Jack. Happened with Kathy. Grayscale has come down considerably. Not as much as micro strategy, but it was at a high 9912. It's at 66.92. That's a nice drop. So I would be calling Vanguard every day. Hey, you take pole position. I'm fine. Do the AMD. I'm fine being number two. Call Trump. I'm fine being number two dot what do you.

[Market Mondays Host 2 (Rashad)]

What do you say about. Okay, let's talk about Cloud Fair, because that's a conversation that somebody in chat had. They said, how come we haven't talked about Cloud Fair? We actually have a Cloud Fair story. Can we tell the story?

[Market Mondays Host 1]

You didn't tell it. I was actually. I was. So this is. This is in Davos. We're having these conversations and you never know who you're talking to. So at the time, I was talking to a man who owned a town right outside of Denver and he was asking Us, like, we have been in the area and, you know, he had this private community that had a landing strip that went through. It was a whole thing. And then out of nowhere, shoddy, like, starts calling me from across the room. I'm like, hold on. He's like, no, no, come here now. Come here now. I'm like, hold on, bro. He's like, now?

[Market Mondays Host 3 (Ian Troy)]

Now when he get that tone.

[Market Mondays Host 1]

So I'm like, I'm like, I'm sorry, y'. All. I got. Yo, my boy's calling me. I'll be right back. I walk over to this guy, he's like, yo, you're not gonna believe this. So you want to. I. I've set it up for you to tell this part.

[Market Mondays Host 2 (Rashad)]

Yeah. Cloud Fair. CEO.

[Market Mondays Host 1]

CEO.

[Market Mondays Host 2 (Rashad)]

The cloudfair CEO. This. This was three years ago.

[Market Mondays Host 3 (Ian Troy)]

Three years ago.

[Market Mondays Host 2 (Rashad)]

Oh, man, it was pretty crazy.

[Market Mondays Host 1]

We live a life.

[Market Mondays Host 2 (Rashad)]

Yeah. He offered us a ride back to. To the Utah.

[Market Mondays Host 1]

I think it was a Sundance.

[Market Mondays Host 2 (Rashad)]

Sundance.

[Market Mondays Host 1]

You guys ever been to Sundance Film Festival? We were like, nah. He's like, we're gonna leave, like, tonight to go like. Like tonight. He's like, yeah. I'm like, well, now we, you know, we fly out in two days. He's like, don't worry about it. I got my jet. We're gonna fly back to Utah tonight. I'm like, wait, huh? And I looked and I'm like, yo, should we get on this jet?

[Market Mondays Host 2 (Rashad)]

We did not get.

[Market Mondays Host 1]

We did not get on the jet.

[Market Mondays Host 2 (Rashad)]

If you're wondering.

[Market Mondays Host 1]

We didn't get on the jet.

[Market Mondays Host 2 (Rashad)]

We did not get on the jet.

[Market Mondays Host 1]

You meet somebody within 10 minutes and they offer you to be on a private jet for 15 hours. I don't know, man. Risk mitigation.

[Market Mondays Host 3 (Ian Troy)]

I feel you, brother. Sorry.

[Market Mondays Host 1]

But what he. I did do after that was I went to research his company and I was like, oh, this is a solid company. So when we talk about security, and this is the thing about it, right? You don't know what Cloudflare is until you're on the Internet. And then they ask, you know, they ask those security question, like, are you a human? And then you got to start picking out which one is the sidewalk, which one is a pet. And then you realize that that's Cloudflare. So imagine how many times you've been through that process, not realize what the company is that's doing it, but it's giving in that level of security that almost that. That two step authenticator. Yeah, that's what they do. We talked about it in December.

[Market Mondays Host 2 (Rashad)]

The thing about it, the Reason why I'm gonna let you finish. We talked about so to say. And Will I am. Was there.

[Market Mondays Host 1]

Yep.

[Market Mondays Host 2 (Rashad)]

Yeah. Interesting party.

[Market Mondays Host 1]

This is in December, So in the same year. So that was. We went to Davo. So the same year, I was like, I'm gonna invest in this. This is when Cloudflare was like, at 79. This is like, like, maybe November, December of 23. Somebody in the market. Money's archives can find it. I started talking about this company, Cloudflare. I'm like, yo, I'm watching the security. We had talked about Crowdstrike. We talked about Z Scaler. We were talking about all these companies. I'm like, yo, there's one here that has some potential. Obviously, Cloudflare has. Has run amok since. Yeah, he's watching us, Jason. Yeah, yeah, yeah, Jay, I see you. I see you in the studio, Jay. Yeah, yeah, we're ready for tonight. We ready for tonight. But it has. Has run amok. It has run so far. I had some option calls on it, obviously, of cash out on those. I haven't been able to get back into the actual stock yet because it has had an incredible run.

[Market Mondays Host 2 (Rashad)]

But that also goes back to sometimes in life, you got to be at the right place at the right time, because being in Davos at that time and being at this party with Will, I am, and you other interesting people, and then have shout out to Dre. Having a conversation with a gentleman, I didn't know who he was, and then him inviting us on a private jet within 10 minutes of meeting him made me say, man, is this. This got to be something going on here. And that company was Cloud Fair, and lo and behold, it went through the roof. So, yeah, I think we did talk about Cloudflare, but 100 you% got to put yourself in the right place. So that goes back to that deal that we did, man. You know, once again, shout out to everybody. Take advantage of that. You will be in Nvidia. I just want. I just. I don't think.

[Market Mondays Host 3 (Ian Troy)]

Yeah, I don't think.

[Market Mondays Host 2 (Rashad)]

I don't think that we should just brush over that, man. That's something that's historic, to my knowledge, has never been done before, because you.

[Market Mondays Host 3 (Ian Troy)]

Can'T get access to that.

[Market Mondays Host 2 (Rashad)]

Sometimes when you make history so much, like when you throw the biggest event in the world and got a New York Times bestseller, and you got 3, 100, and you do Madison Square Garden, you get 25, 000 people. Sometimes things kind of get devalued with success, but I don't think that People fully appreciate this Nvidia thing. It's never been done before.

[Market Mondays Host 1]

No.

[Market Mondays Host 2 (Rashad)]

Really?

[Market Mondays Host 3 (Ian Troy)]

This would be like walking through Apple 10 years ago. Employees. Yeah.

[Market Mondays Host 2 (Rashad)]

If you really think about it. And then. And then the Capitol Hill tour. Like, I didn't know. I knew about. I knew about Marjorie Greene, how she. She made the 25 million. I ain't know about Omar. Allegedly.

[Market Mondays Host 3 (Ian Troy)]

What?

[Market Mondays Host 2 (Rashad)]

I ain't nobody. They said she's up 25 million in four years.

[Market Mondays Host 1]

There's a. The list is crazy.

[Market Mondays Host 2 (Rashad)]

They said she's up 25 million in four years. These. These politicians don't get enough credit for what they're doing in the stock market. Whether you think it's right, wrong, insider trading, whatever. They've mastered this. This stock training.

[Market Mondays Host 1]

I mean, we. The. We highlighted the Nancy Pelosi situation just because of the companies her portfolio had. Right.

[Market Mondays Host 3 (Ian Troy)]

She's not the.

[Market Mondays Host 1]

Yeah, that's what I'm saying. It was all this hoopla around her. But the thing is that the companies that she had in the portfolio, I think 25 of it was Nvidia.

[Market Mondays Host 3 (Ian Troy)]

Yeah.

[Market Mondays Host 1]

At the time when people weren't talking about broadcom, that was 20 of her portfolio. She had Palantir like 15. I'm like, damn, she ain't missing at all. She ain't missing, but she's not the only one.

[Market Mondays Host 2 (Rashad)]

Crazy.

[Market Mondays Host 1]

The numbers is crazy.

[Market Mondays Host 3 (Ian Troy)]

Yeah.

[Market Mondays Host 2 (Rashad)]

I said, yeah. Inside training doesn't take skills. That is the skill. Positioning yourself in this situation to get the information is that's.

[Market Mondays Host 3 (Ian Troy)]

And there are a lot of companies that go there that promise to be the next thing, and they don't go to Hedge follow. You can see who's investing where and what meetings they had. Everyone doesn't return at that clip.

[Market Mondays Host 1]

No.

[Market Mondays Host 3 (Ian Troy)]

So even going through all the companies who go see them to know which ones to pick, that is a skill. Her and also Pelosi's husband is a hedge fund manager.

[Market Mondays Host 1]

You don't say no. And so here's the crazy part. After we. We. And I'll just tie this in because this. This will make perfect sense. That was at a party one night. The next day, we. We went to event we were speaking at. And we had stopped in this, I guess this kind of makeshift, like, build out. And the company we were standing in was Palantir. This is like three years ago when Palantir was like 11. And I sat there and listened to their presentation. And I walked away. And I remember Dre was talking to me. He was like, yo, this company here is going to change the world.

[Market Mondays Host 3 (Ian Troy)]

Yeah.

[Market Mondays Host 1]

Like, they're going to change the world. Listen to what they're saying that they're about to do. Like you think that surveillance is one thing, they're taking it to another level. And this is again if you didn't know what the company it was $11 probably less than that. It's at 167 now and that's on the downtick. Right. It's pulled back since it was up at 190 or 198 or $202. This is a lot like.

[Market Mondays Host 3 (Ian Troy)]

And perplexed like you know, just follow, follow the.

[Market Mondays Host 1]

Money and take advantage of opportunities. Like a lot of times you may not know what a company does but if they're at some of these trade shows or if you're going to these tech summits. Look at the companies that are there. There's a reason look at the companies who are sponsoring. There's a reason they're sponsoring.

[Market Mondays Host 3 (Ian Troy)]

Yeah.

[Market Mondays Host 1]

You got to take advantage of all those things. You got to be aware of your surroundings.

[Market Mondays Host 2 (Rashad)]

Yeah. Take advantage of the information when it's vitally when it's there for you. So once again shout out by took advantage of the market. Monday's black Friday sale that has sold out but we are doing a Cyber Cyber Monday. 5 year access to stock club. 5 year access to Ewell University. 50 off of the price that the previous deal was for 48 hours only. Go to market Mondays with a s. Market Mondays deal.com access to stock club access to EY University for serious investors and traders only.

[Market Mondays Host 3 (Ian Troy)]

Can I get you some breaking news real quick?

[Market Mondays Host 1]

All right, let's do it.

[Market Mondays Host 2 (Rashad)]

Let's do it.

[Market Mondays Host 1]

What you got?

[Market Mondays Host 3 (Ian Troy)]

Federal Reserve pumped 13.5 billion into U S banking systems through overnight repos the second largest liquidity injection since COVID Invest or die.

[Market Mondays Host 2 (Rashad)]

Invest or die investor die.

[Market Mondays Host 3 (Ian Troy)]

I'm telling there's a tale of two economies. There are those who are investing into the markets and those who continue to believe the lie that if you just do enough and work hard enough you're going to be okay.

[Market Mondays Host 2 (Rashad)]

Yeah.

[Market Mondays Host 3 (Ian Troy)]

They don't want you to be okay.

[Market Mondays Host 1]

Yeah.

[Market Mondays Host 2 (Rashad)]

Hey stay and stay away from that for sure. We have a guest. Can we bring our guests and before we bring our guests on can we show the video to kind of get the the audience Some full movement is.

[News Reporter Lauren Glassberg]

Sweeping social media and it's all about trading sweatshirts for for a certain kind of sweater. It started with one viral TikTok video that now has more than 23 million views. I would as news reporter Lauren glassberg introduces us to the young mind behind the Quarter zip lifestyle. To some it is just a sweater. But to others, the quarter zip pullover is a movement. Thanks to Jason Jemphy of the Bronx.

[Jason Jemphy (Quarter Zip Movement Creator)]

And another thing, I'm a quarter. What does it do now?

[News Reporter Lauren Glassberg]

Jason graduated from Allegheny College with a degree in computer science. And when he started interviewing for jobs, he knew it was time to upgrade his look.

[Jason Jemphy (Quarter Zip Movement Creator)]

When you look good, you feel good, you do good.

[News Reporter Lauren Glassberg]

He posted about his job seeking attire to his already strong following of thousands. And suddenly the quarter zip was a thing.

[Market Mondays Host 1]

Life like this sure is sweet, huh?

[News Reporter Lauren Glassberg]

People are stopping Jason on the street.

[Jason Jemphy (Quarter Zip Movement Creator)]

We can't go anywhere anymore. Like we stepped outside, there was a kid with his dad, stopped us mid video. We shooting content, stopped us mid video to say, oh, that's the correspondent, that's the correspond.

[News Reporter Lauren Glassberg]

It's true. Jason and his look are everywhere.

[Market Mondays Host 2 (Rashad)]

I like that. You guys look right?

[News Reporter Lauren Glassberg]

And it isn't just young men who are ditching the Nike tech and hoodies. So are teens and tweens like my 12 year old.

[Market Mondays Host 2 (Rashad)]

Let's bring the good brother up, man.

[Market Mondays Host 3 (Ian Troy)]

Troy. Yo, what's good, my brother? How you doing, man?

[Jason Jemphy (Quarter Zip Movement Creator)]

How y' all feeling?

[Market Mondays Host 2 (Rashad)]

How y' all feeling?

[Market Mondays Host 1]

Yo, are we addressed for the occasion?

[Market Mondays Host 2 (Rashad)]

I got the ma.

[Jason Jemphy (Quarter Zip Movement Creator)]

Two people got the memo.

[Market Mondays Host 3 (Ian Troy)]

I've been busy.

[Jason Jemphy (Quarter Zip Movement Creator)]

People got the memo.

[Market Mondays Host 1]

Really? Yeah. What part of the Bronx, bro?

[Jason Jemphy (Quarter Zip Movement Creator)]

Me. I don't want to disclose that on live, but I live near. Around Yankee Stadium.

[Square Representative]

All right.

[Market Mondays Host 1]

Shout out to the Bronx. Shout out to the Bronx. I know why you don't want to disclose that live.

[Market Mondays Host 2 (Rashad)]

Hello.

[Market Mondays Host 1]

Yeah, real New York. Real New York.

[Market Mondays Host 2 (Rashad)]

All right, all right.

[Market Mondays Host 1]

So yeah, we got.

[Market Mondays Host 2 (Rashad)]

We got the memo. We did get the memo, my brother, but first and foremost, how you feeling, man?

[Jason Jemphy (Quarter Zip Movement Creator)]

Well, I'm feeling great, man, truthfully, whether it's in regards to me waking up, of course feel good about that. In regards to the courtesy movement, in regards to being on your platform and your leisure. I just feel good, man, truthfully, proud of you.

[Market Mondays Host 2 (Rashad)]

So I wanna, I wanna ask, how did this start, man? Because, you know, it's relevant to business. Because obviously, you know, we talk about attire and how people address you and how you feel about yourself, self esteem. So this is a relevant conversation when it comes to business. But you, you know, when did you get this idea in your head that you just gonna start a whole because it is actually a movement? When did you get this idea and what made it come about?

[Jason Jemphy (Quarter Zip Movement Creator)]

Got you. So I purchased my first quarter zip in December. Right. I'm very transparent about this I was doing interviews, and I wanted to put on something that didn't feel like too much, like I'm overdressing for the occasion of an interview. But at the same time, I still look sharp. I still look put together, right? And with the quarters of. If you watch the first video that I made, I was talking about how, like, you know, I hit the gym, makes my body look good. That being said, it was something I had to add to the wardrobe. In regards to the video going up back in November 3rd, right? It's crazy even thinking about it. It's about to be a month. In regards to video going up, if you see the second video, the most popular video, me and my boy Rich, we was on the phone previously and we were both talking about how, like, the quarters of it, it just really does look good on you. And I was in the process of interviewing for jobs and. And when I was interviewing, once again, let me put on something that's just like, it's sharp. It's not too much. I could just put it on, not do too much, and I still look good. So I was posting content previously, right? This is not my first go around with content. I was posting content previously. I've gone viral before, and I built my platform on just being relatable, talking about my faith in Jesus Christ and also just, like, spreading knowledge about my fitness journey, right? That being said, people knew my content is always, like, satire. Like, there's a little bit of humor to it. There's a little sarcasm, just like that New York swag kind of thing, right? I'd be inside. I made the post. I'm like, yo, listen, we don't. No, I was like, I'm recording it, dude. Now, simple. I don't do sweatsuits no more. It's just cordyceps, right? And I said, even in the video, I'm feeling a little performative. Might even do a matcha, because, you know, a lot of people are performative nowadays. And it was just kind of playing at that. But when I seen, like, yo, I really got something. Because once again, as a content creator, once you got something, you got to go with it. From there, I linked my boy, made the video, and the rest was history.

[Market Mondays Host 1]

So. So what's this moment been like for you, man? Like, this is beyond viral, bro. I. I'm watching matcha sales go up, like, for sure. My. My son has a quarter. He was like, dad, you got to get the cordison. Oh, yeah. You know what? It was crazy. I had a night tech on when he asked Me?

[Jason Jemphy (Quarter Zip Movement Creator)]

Really?

[Market Mondays Host 1]

I'm like, yo. I'm like, okay, this is. This is going back. So what's this moment been like for you, man? Like you said, you. When you walk down the street, people stopping you. How. How has this month been for you and the team?

[Jason Jemphy (Quarter Zip Movement Creator)]

Truthfully, it's been moving fast, right? But the beautiful thing about this is that I built when it comes to my content. I built my platform to a point where, like, I'm ready for the moment. People always talk about, like, when the moment comes, you got to be ready. I built my resume so people see the versatility in my content. Like, yes, quarter zips is putting me on the map, but at the end of this, people gonna know me as Jason. Jeff, you're not the quarter zip dude. You see what I'm saying? And my guys are in the video. Whoever is like, the people I've been working with when it comes to that, they gonna be known for their own thing as well. But Cody's just putting us on the map. That being said, in regards to, like, how I'm feeling, it's a great feeling, truthfully. Sometimes it get overwhelming. But I said this before, I say it again. Like, I just lean on Jesus because he's the reason I'm here, truthfully. But it's just a beautiful feeling because I've always been influential, like my whole life. I've always been a naturally born leader. But to see it on the Internet in real time, I'm seeing rappers do it. I'm seeing sports teams do it. You said your son is doing, like, that's beautiful to see. And it's also something so positive because it's spreading a bigger message than just put on recorders. If your life is going to change. No, it's teach you how to dress for the occasion and things that we could talk about later on the line once we get further in this interview.

[Market Mondays Host 3 (Ian Troy)]

But yeah, saying my son, when I told him you were gonna be on today, he was like, what? He never get excited, for real. I was like, bro, you gotta go. He called me before we started. Is he on yet? Because he wanted to talk.

[Jason Jemphy (Quarter Zip Movement Creator)]

I'll send him a personalized message after this. Just let me know. I sent it to you.

[Market Mondays Host 3 (Ian Troy)]

I appreciate that. No problem. Talk to us about how you plan to monetize this amazing movement and what companies are you looking to partner with that are taking advantage of the movement that you created?

[Jason Jemphy (Quarter Zip Movement Creator)]

Okay. So I'm a big believer in, like, I don't like to say things until it happens. Right. I talk about on My page all the time. So when it comes to brands in particular, obviously, I want to do, like, clothing brands, food, like, restaurants, QSRs, things like that, to make the movement go farther and of course, like, monetize it as much as possible, because this is something big at the end of the day. Right. But at the same time, I do believe in, like, taking your time when it comes to this. Right? This is a viral moment, so it's gonna feel like things are picking up fast, truthfully. It's gonna feel like things are picking up fast. But the minute you, like, limit yourself and just take that easy cash grab, you shot yourself on the foot, truthfully. So, that being said, of course I'm trying to work with the biggest brands possible, of course, that promote, like. Like, obviously they got quarters and whatnot, but just also just talking about, like, expanding your palate. Any brands that, like, said, like, on expanding your palette and just trying different things in this world, trying different clothing pieces, things like that, that's what I look for. And at the same time, just making things more accessible to my community because I talk about it all the time, bro. Like, you don't see people sipping quarter seven matches and wearing quarter zips in the Bronx 24 7. No. But. So with something like this, it's exposing you to that. It's like, oh, no, this. This is cool, too. Like, the fact that I'm from New York and I've been a Sweatsu wearing type of person for the longest, I'm telling y', all, like, yo, listen, we could. We could do quarters. We could switch it up. It's cool. It feel cool. It feels genuine. I feel like that's something a lot of brands could capitalize on if they were when they choose to work with me. But in the meantime, I'm just taking it day by day and moving as strategically as possible with the team to make it happen.

[Market Mondays Host 2 (Rashad)]

Yeah, for sure. You got good people in your corner. Stanley. Shout out to him.

[Jason Jemphy (Quarter Zip Movement Creator)]

Stanley, man.

[Market Mondays Host 2 (Rashad)]

He put this together good, brother. I mean, just from both a. First of all, like I said, you know, I'm proud of you as far as what you've been able to just change the way that people are thinking and the perception. And if I could offer any level of advice, I would say, you know, there's been a lot of black creators that have made a lot of companies hot enough, started a lot of trends, but may not have monetized from it. So don't allow them just to give you free merchandise. And that's the endorsement. Like, you Know what I'm saying? Like, yeah, just. Yeah, just, you know, I know, I know you're a very intelligent person, but definitely, definitely take your time when you, you know, because a lot of these companies will use you are predatory to. To, you know, make millions of dollars and then you get pennies on. On the back end. My question is from a psychological standpoint, right? Like, what do you think that this can do for a generation of young men that, you know, we, we saw this whole Nike tech era, and like I said, nothing. Shout out to Nike tech. Nothing, nothing wrong with the Nike tech. But it did. It did get a little weird for a minute. We talked about this with the Pooh Shiesty, man, I think for sure.

[Market Mondays Host 3 (Ian Troy)]

In combination with black forces.

[Market Mondays Host 1]

Oh, my God, it's like, it's the Pooh Shaxi with the one hand in your pants things. Yeah, yeah, yeah.

[Market Mondays Host 3 (Ian Troy)]

Oh, my God.

[Market Mondays Host 2 (Rashad)]

In August. In August, right?

[Jason Jemphy (Quarter Zip Movement Creator)]

Oh, no. In August. Talk about in August. They're doing in August.

[Market Mondays Host 2 (Rashad)]

Yeah, it's crazy. Mask in August. So what, what do you think that this can do for. Yeah, the way that a generation of young men are perceived by others and how they perceive themselves.

[Jason Jemphy (Quarter Zip Movement Creator)]

Got you. So, for one, I. I say it all the time, man make the clothes. Clothes don't make the man. Right? It's about what's in you. And the reason I feel like this even took off is because it's in me. You see what I'm saying? It's in me to lead a movement. It's in me to be a nationally born leader. It's in me to, like, do these type of things. But I feel like, for one, it exposes young men to, like, a different side of, like, dressing. For example, a lot of young men out here, this is their first time putting on a quarter. They probably never even knew what it was. And that's okay. Like, nobody's judging that. But now they're saying, like, yo, bro, I could really be versatile. You got aspect. You got the aspect of, like, now you know what to put on when it comes to certain events, like, what to put on for an interview. Because you'd be surprised. A lot of people don't know what to wear for, like, certain types of interviews, certain types of occasions. So it's good that they know, like, okay, this is something I can put on for an interview. I can go to church in this, whatever it is. So there's that. There's that aspect, right? And it's also the aspect of, like, I guess the performative aspect. Like, it's Something that's getting people a lot of views, a lot of likes. It's just doing a lot of positive for people in this world. And I feel like in the long run, it's going to let young men know, like, yo, bro, you can change it up whenever you want to. It's about being different, staying in your own lane. I talk about prioritizing things like higher education, things that are not glamorized in society. Like, people don't tell you in society, like, what's going on, like, oh, yo, bro, go to school and get a job. People don't tell you that. For me, it's glamorized to just take the entrepreneur route, which is nothing wrong with it. But what I'm setting light on is like, yo, bro, if you want to stay in your own lane, like I did, I just graduated from college. You see what I'm saying? And like, I stated my own. Thank you, man. Appreciate that. I'm wearing my own clothes, like, whatever I like. And look at. Look at what's creating. I'm gonna earn your leisure. You see what I'm saying? So at the end of the day, that's what I'm trying to promote. Just like staying in your own lane, whether it's through recorders when everybody else is wearing sweats, whatever it is, prioritizing your education, things like that, that's gonna get you far. And I feel like that's the mindset a lot of people are gonna pick up after this. Like, it's cool to just do your own thing at the end of the day.

[Market Mondays Host 1]

Yeah, I'm with you, man. When I was teaching at Bronx, I actually with coach basketball. And one of the things is I had the kids wear shirts and ties.

[Jason Jemphy (Quarter Zip Movement Creator)]

That's beautiful.

[Market Mondays Host 1]

I realized that they didn't know how to tie a tie, so I had to actually teach the kids how to tie ties. And my thing was like, I heard Dion Santa say, he was like, if. If you feel good, right? If you look good, you feel good. If you feel good, you play good. And I try to get that monster into their mindsets so that they would have that when they went down the community, it was recognized like, oh, that kid is doing something. It was like, he didn't go to. To Spellman and he. He didn't go to Cardinal Hayes. He was actually a kid that was a public school kid that was playing ball.

[Market Mondays Host 2 (Rashad)]

Yeah.

[Market Mondays Host 1]

I wonder now, you said that you graduated, you were going to interviews. What's that process been like, you since this moment, right? Like, are you still in the interview process.

[Market Mondays Host 3 (Ian Troy)]

What.

[Market Mondays Host 1]

What are you actually studying now that you've graduated?

[Jason Jemphy (Quarter Zip Movement Creator)]

So I graduated not too long ago in May, right? I was a computer science major. That being said, obviously I'm looking for that attack, bro. But in the same breath, I say this right? I always feel like if you do what you call to do, you can go farther than if you just doing like what you did your degree for. That being said, me being the first person in my family ever go to college and graduate, I took the route of like taking a major that pays the most money, obviously, because, bro, I'm going to college. I'm not going to sit here and play with my. My time and degree. No immediate return on investment, right? But in the same breath, like, I know that something like this, bro, influencing that could take me even farther aside from the money, just like leaving actual impact, things like that. So when it comes to that, it's like I'm just taking my time with all of this. When it comes to interview process and stuff, obviously, you know, so interview like, you can never shut down the door. You see what I'm saying? But in the same breath, the way social media is going, like, I feel like it can take me very far farther than like computer science will. And if it doesn't, let's say tomorrow the trend dies and they like, yo, we don't do quarters no more. We're going back to, I made so many beautiful connections. I'll be fine regardless. Because once again, I prioritize that education aspect and that's what I'm trying to promote. Like, you can do what you want to do, but also make sure you're on top of your stuff, you got your education right, and chase your dreams at the same time.

[Market Mondays Host 1]

I love it.

[Market Mondays Host 3 (Ian Troy)]

Jay, we talked about this last week on Blackout, but I want to get your thoughts. What do you say to the people who say the movement is anti black or it's erasing our culture? Can you give us a little bit of feedback and push back on how we've always dressed at an elevated level with it really 90s through now. Before then, everyone was dressing well. Can you give me some feedback when people say that I got you.

[Jason Jemphy (Quarter Zip Movement Creator)]

So for one, I have to understand that as an influencer, like, even if I don't push out a certain rhetoric on my own, if I'm an influencer right, I have to be conscious of who I'm influencing. I feel like a lot of this comes from the fact that some content creators, they have their own type of style, content that People are not aware of, right? And with that being said, once they put on a quarter zip, it gets associated with, oh, that's the quarter zip movement. And it's anti black. No, I don't view the trend as answer the movement as inside black, nor did I ever intend it to be that way. But I do understand, like, how there can be some undertones. But what people fail to understand for me is that some of my content is satire. A lot of people understood that, right, that it's satire. So I get that aspect. But for people that don't, this is my first introduction to, like, a lot of people in the world. I'm a Ghanaian American man from the Bronx, born and raised. You see what I'm saying? I've said it before, I say it again. I do the sweatsuits. I know when to put it on and take it off, right. At the end of the day, I want people to just expand their palette and just know that there's more to the world than sweatsuits. There's more to the world than just going to the deli. Like, actually expand your horizon, like experience life, because you can. It's always going to be there. Like, the Bronx is always going to be here for me. Right. But at the same time, I want to see the world for what it has to offer and I want to do things that is not in the status quo for me or people like me to do. So that's what I'm trying to explain to the world. Like, bro, you can literally do whatever it is. Like, the world is truly your oyster. So when it comes to the anti black rhetoric, that was never my intent nor do I support that. At the end of the day, I feel like some things are like over conceptualized. But at the same time, I do understand that it's important to understand these aspects. But the end of the day, bro, I still love sweatsuits.

[Market Mondays Host 2 (Rashad)]

And how old do you.

[Jason Jemphy (Quarter Zip Movement Creator)]

21.

[Market Mondays Host 2 (Rashad)]

21. So, yeah, you're doing a great job. No matter how somebody feels about, because, like, I've been wearing quarter zips. I feel like you gotta support, you gotta support somebody that's 21 years old, that's brave enough to go against the tide, and, and it's really, you know, you're helping a lot of people because you're, you're changing once again. You're changing the mindset, the trajectory. Everybody doesn't have to wear a quarter zip, but why would you not support something that is positive at the end of the day? So you're 21. Years old.

[Market Mondays Host 1]

Yeah.

[Market Mondays Host 2 (Rashad)]

You, you, you have a tech degree. You, you're still looking to be employed in the tech world.

[Jason Jemphy (Quarter Zip Movement Creator)]

I mean, once again, if it happens, it happens. Currently I'm a coding instructor. You see what I'm saying? So I'm chilling right now. I just, I really like to prioritize what I'm doing right now because I, I really value just like doing the groundwork, like being in field, shaking people's hands, like leave an impact on people. That's always what I've done. Like, even in school, my school will tell you, shout out to college. Like that's, that's all I'm about. That face to face connection. When it comes to the tech aspect, it was more so like we got to make sure that even if. Because I've never had the like nine, I've never had the entrepreneurial mindset, I was like, yo bro, go to school. Because that's what I know. But now that I'm here, it's like, okay, we, the world is really my oyster. But at the same time, because I got that degree, it's good to fall back on. Once again, if this ends tomorrow, I got my education.

[Market Mondays Host 2 (Rashad)]

So what's the degree in?

[Jason Jemphy (Quarter Zip Movement Creator)]

Computer science.

[Market Mondays Host 2 (Rashad)]

Computer science. So what would you, in a perfect world if you were to work in tech? What, what job would you want? The reason why I'm saying this is because this show is very influential.

[Market Mondays Host 1]

Yes.

[Market Mondays Host 2 (Rashad)]

A lot of people that watch this show.

[Jason Jemphy (Quarter Zip Movement Creator)]

Yeah.

[Market Mondays Host 2 (Rashad)]

Right. So you never know who's watching. Right. So you may, you may have an opportunity just from the audience right here.

[Jason Jemphy (Quarter Zip Movement Creator)]

Mm, that's true. I mean, I say this, I definitely was looking into like long term being in product management just because I felt like that's something I feel like could do, especially with the background I have in tech. However, I know that like 20 years from now I don't want to be known as like the best programmer. You see what I'm saying? Like, I want to be known for actually making impact. So listen, during my job search, I was looking for definitely like software engineering roles, data analytics. I have, I even have a project we could one day we could talk about it, like off the, off the record. But it's a project about wrongful convictions. Right. And it's basically a website I made shedding light on like all the different statistics. I use different softwares to like actually show statistics pulled from the national registry of Exonerations. Right. I did this on my own, off the top of my head. I can't tell you what it was because it's been like, since May, but I like shedding light on things. Like, I like using the. The tools that I know and have in order to actually, like, make a difference in this world. Like, it'll be cool to cold, sit back cold and like, make. Make a couple racks, whatever it is, but to actually make impact with the tools I have, that's. That's what I'm about. So. Yeah.

[Market Mondays Host 2 (Rashad)]

Can I make an executive decision here?

[Market Mondays Host 1]

I wanted to just say something just.

[Market Mondays Host 2 (Rashad)]

But I just wanted to make an executive decision if I can. And I haven't gotten clearance on this, but sometimes in life you just gotta.

[Market Mondays Host 3 (Ian Troy)]

Just go for it.

[Market Mondays Host 2 (Rashad)]

So we're going to Nvidia, if you're interested. Would love for you to come with us to Nvidia's campus in Silicon Valley if you're interested.

[Jason Jemphy (Quarter Zip Movement Creator)]

I'm gonna be in contact after this. Most definitely.

[Market Mondays Host 3 (Ian Troy)]

Yeah.

[Market Mondays Host 1]

I mean, this is definitely opportunity. But I was saying to myself, like, number one, do you invest? And if not, I want to make sure that we connect after this because I want to set up your. Make sure that your brokerage account is set up correctly. I want to teach you how to do it. I want to make sure that you're making an impact not only for yourself, but your community as well. Because your impact needs to spread. Right? So if you can do it from this, there's no telling what you can do in the world investing from what you're doing. So if not, man, I would love to. To get on a zoom call with you or have being on it with us and many people as we can have in the community and like, walk you through it.

[Jason Jemphy (Quarter Zip Movement Creator)]

Are you investing me currently? No. I've been told. Oh, my God.

[Market Mondays Host 1]

Yeah.

[Market Mondays Host 3 (Ian Troy)]

Let us guide you.

[Jason Jemphy (Quarter Zip Movement Creator)]

We got you.

[Market Mondays Host 3 (Ian Troy)]

Yeah.

[Market Mondays Host 1]

We'Ll set it up. We'll set it up this week. We'll get the brokerage account open, and who knows, man, Maybe Ian will fund it for us.

[Jason Jemphy (Quarter Zip Movement Creator)]

That's what I'm hearing.

[Market Mondays Host 3 (Ian Troy)]

One question and one. One thought. My thought is I'm very proud of you.

[Jason Jemphy (Quarter Zip Movement Creator)]

Thank you.

[Market Mondays Host 3 (Ian Troy)]

The last time we had this kind of movement, hov did it.

[Jason Jemphy (Quarter Zip Movement Creator)]

That's crazy.

[Market Mondays Host 2 (Rashad)]

I'll be honest. Yeah, yeah, yeah.

[Market Mondays Host 3 (Ian Troy)]

The dressy up thing. Hold it. But you did it. Don't let any tech company. Okay. How many views have your video gotten?

[Jason Jemphy (Quarter Zip Movement Creator)]

The first. All right, so the most popular one has, like, nearly 30 mils. Like 28 mil.

[Market Mondays Host 1]

Wow.

[Jason Jemphy (Quarter Zip Movement Creator)]

I say right here, like, since all of this, over over 70 million views in terms of, like, my page with reporters of movement.

[Market Mondays Host 3 (Ian Troy)]

And I was saying this earlier. Most tech founders can't get 70 million views in a year.

[Jason Jemphy (Quarter Zip Movement Creator)]

Crazy.

[Market Mondays Host 3 (Ian Troy)]

So think about what that value is. Your. Your future is incredibly bright. And don't let anyone dim what you're doing, because this movement you built, that is a tech business inside of itself. I can think of five companies. Starbucks, main one, who. I don't know why they're not calling you and haven't given you 5 million to help turn the brand around.

[Jason Jemphy (Quarter Zip Movement Creator)]

Crazy.

[Market Mondays Host 2 (Rashad)]

They need it.

[Market Mondays Host 1]

They need it bad.

[Market Mondays Host 3 (Ian Troy)]

Absolutely. Hey, man, my final question for you. What's the one thing all of us can do, audience and us included, to help you get to where your dream goal is?

[Jason Jemphy (Quarter Zip Movement Creator)]

Truthfully, man, just keep doing what y' all doing now. Showing love, supporting. Obviously, some people like to say, like, oh, he's not getting enough credit. He's not doing his thing. Listen, guys, I'm working behind the scenes. All I ask is that y' all support my page. Support the movement. Whether you've thrown on a quarter zip performatively or you actually want to, just keep doing that. You see what I'm saying? Repost the video. Show love. Show love to the bros. My boy Rich, my boy Brooke, all the guys, and just make the movement as big as possible. And my last thing I'm gonna keep saying, wherever I go, that's the one thing I ask. Yo, the Knicks gotta bring me to a game, man. Like, that's Christmas game. I want to be there with my guys. So something like that, make that happen on a serious note. It just keeps pouring the way I are, like, truthfully, because at the end of the day, I know I'm doing something beautiful. I'm doing something powerful. And as long as I got the support from all OGs, like, I'm gonna be fine.

[Market Mondays Host 2 (Rashad)]

Appreciate you, my brother. Thank you for coming on World Wild West. Get the man some tickets, please, immediately.

[Market Mondays Host 1]

We'll make some calls for you. Yeah, shout out to the team, too. Shout out to your boys. So I know a lot day in the videos with you. Shout out to them.

[Jason Jemphy (Quarter Zip Movement Creator)]

Not for a fact. For a fact. For a fact.

[Market Mondays Host 2 (Rashad)]

Shout out to Kevin Riley, too. I don't know if you know him, but he's a councilman.

[Jason Jemphy (Quarter Zip Movement Creator)]

Yes, yes.

[Market Mondays Host 2 (Rashad)]

And he's very supportive of your movement. He actually asked us to talk about what you had going on before on our other show, Blackout. So I know he's very supportive and proud of what you're doing. And, yeah, keep up the great work, man. Let's stay in contact.

[Jason Jemphy (Quarter Zip Movement Creator)]

Most definitely. Will do, man. God bless you.

[Market Mondays Host 2 (Rashad)]

What's your. What's your page? Instagram and all that for everybody to follow you.

[Jason Jemphy (Quarter Zip Movement Creator)]

Got you. So my page on Instagram and tick tock is. Whois Jason? So who is period Jason? YouTube. Jim Fee gains. G Y A M F I gains. So, yeah, just y' all show love. Come to the page court. Is it movement all the way. Went all the way with this.

[Market Mondays Host 1]

Yeah.

[Market Mondays Host 2 (Rashad)]

I love.

[Market Mondays Host 1]

I love my Bronx dudes, man. Shout out to the Bronx, man. It's brilliant up in the Bronx. Shout out to you, man.

[Jason Jemphy (Quarter Zip Movement Creator)]

I love it.

[Market Mondays Host 3 (Ian Troy)]

I love it.

[Jason Jemphy (Quarter Zip Movement Creator)]

I'm gonna be out of here. Just gonna say, Jesus loves you. I love you. Have a blessed rest of your night.

[Market Mondays Host 1]

All right.

[Market Mondays Host 3 (Ian Troy)]

O man, that's so dope, yo.

[Market Mondays Host 1]

I feel like I gotta get back in the classroom, man.

[Market Mondays Host 3 (Ian Troy)]

70 million views and they want to. They want to call him an influencer. No.

[Market Mondays Host 1]

70 million.

[Market Mondays Host 3 (Ian Troy)]

No, that's not an influencer that can swing an election.

[Market Mondays Host 1]

He called us OGs, man. I know.

[Market Mondays Host 3 (Ian Troy)]

We at this big age.

[Market Mondays Host 1]

At this big age. I love it, man. I love everything about him. Speaks New York. I think it speaks New York City. Speaks Bronx. He's. He's already got the degree, and that's one of those things. And I know that exact point he's at in his mindset. It was like, I can go where the biggest impact is. I'll always have that degree. I'll always have my education. It's something they can never take away from me. But I have opportunity to change the world, and he's actually doing that, man. So shout out to him and Rashad.

[Market Mondays Host 3 (Ian Troy)]

Great executive decision, because that can change his life forever. What a hell of a resume builder in terms of product building. You built something on their platforms in advance?

[Market Mondays Host 2 (Rashad)]

Yeah, yeah, for sure. I just think that it makes sense for him to be out there, you know, especially, you know, his tech background. Got a degree in computer.

[Market Mondays Host 3 (Ian Troy)]

Yep.

[Market Mondays Host 2 (Rashad)]

Science. And the way that, you know, I just feel like that would. That's a very powerful visual and important then, you know, networking standpoint and a variety of different things. I just feel like, you know, to have him. Have him in Nvidia's campus, I think that makes a lot of sense.

[Market Mondays Host 1]

Yeah.

[Market Mondays Host 3 (Ian Troy)]

And he's likable, too.

[Market Mondays Host 1]

He's a great. He's a great young man. And you think about when he talked about getting out of your community. There's more to the Bronx. There's more than just going to the corner store. Like, now we get an opportunity to show them that there's more in the tech world than what you Just studied in school. Like, this is where it's actually happened. This is what it actually looks like. Plus, there's going to be people there with us from, from the tech world, inside the community that'll be there, you know, with open arms and, and, you know, receiving him with nothing but love. So this, this is, this is community, man. That's what this is all about. I love it.

[Market Mondays Host 3 (Ian Troy)]

Absolutely. And I can't wait to also get on that zoom call. Let's put them in Red Panda too and take.

[Market Mondays Host 1]

Yeah, yeah, we're gonna set that up this week.

[Market Mondays Host 3 (Ian Troy)]

And I may not be able to fund his account maybe. But if you want your account funded and you want to be able to have a chance to win $50,000, go to the link in my bio and join. The Red Panda trading tournament starts next Monday. You have to be in the first round in order to qualify for the second round. So go to Instagram. The link in my bio trading begins Monday through Friday. And then the top 25 of that round will get a chance to battle for 50 grand. Sponsored by me and Ninja Trader.

[Market Mondays Host 2 (Rashad)]

$50,000 trading tournament. Free to enter.

[Market Mondays Host 3 (Ian Troy)]

Yeah, no cost, no upsell. There's no backlink for nothing.

[Market Mondays Host 1]

So.

[Market Mondays Host 2 (Rashad)]

And then somebody else, somebody else said taste. It was like, yo, you drinking matcha? You never really, you never drunk matcha before. Yeah, you're right. But this is a, this is. This, this is, this is vitally important because your stubbornness is stopping you from keeping from getting rich. Supporting people is a major, is a major cheat code to life talk. A lot of times y' all thinking with a negative standpoint of like, oh, I'm not going to do this because I'm gonna be jumping on the wave. I'm gonna be riding. I'm gonna do that like you, you're missing opportunities. And like I said, why would I not support something that's positive? It's not like he's not doing anything negative. He's not drinking lean.

[Market Mondays Host 3 (Ian Troy)]

Yeah, right.

[Market Mondays Host 2 (Rashad)]

He's not, he's not talking about selling drugs or, you know, kidnapping pills or popping pills or scamming, you know, so. But we've been programmed so long to just be anti. Especially anti Anything that's us.

[Market Mondays Host 3 (Ian Troy)]

And yes, supporting anything black is glazing.

[Market Mondays Host 2 (Rashad)]

We just look for any type of. But that's a. But that's a, that's a, that's a major key that's keeping not successful, but it's also a major key that can elevate your life is to support people the further other people go you support. And that's. I've said that before my Instagram. The more. The more money you make your partners, that's going to revert back to you and even people that you don't know. Right. Like, you have to gravitate towards things that's positive because that's going to dictate the frequency that you're on.

[Market Mondays Host 3 (Ian Troy)]

Absolutely. And there's no money in the negative.

[Market Mondays Host 1]

Yeah.

[Market Mondays Host 3 (Ian Troy)]

Unless it looks popular online.

[Market Mondays Host 2 (Rashad)]

Unless.

[Market Mondays Host 3 (Ian Troy)]

Go ahead.

[Market Mondays Host 2 (Rashad)]

Unless you're doing Netflix documentaries.

[Market Mondays Host 3 (Ian Troy)]

Who knows how much money you got paid, though?

[Market Mondays Host 1]

I don't care.

[Market Mondays Host 3 (Ian Troy)]

Shout out to five. But no, I don't care.

[Market Mondays Host 2 (Rashad)]

Yeah. Having said that, Invest in Netflix.

[Market Mondays Host 3 (Ian Troy)]

Great stock to invest in, but most of the people who operate on that frequency and do negative content, you're seeing them go out of business. It doesn't work. It doesn't work. Long time. It's a horrible business model.

[Market Mondays Host 1]

Yeah, man. I ego be so crazy. What you said is like that. I would imagine that would be the conversation. Like, yo, y' all riding waves like, yo, bro. Like, we supporting the kids.

[Market Mondays Host 2 (Rashad)]

Like, yo, I've been. I've been rocking 1998 on the low head. You know what I'm saying?

[Market Mondays Host 1]

I been. I've been on that, little bro, I'm proud of you.

[Market Mondays Host 2 (Rashad)]

But there's a generation of teenagers that didn't know what it was.

[Market Mondays Host 3 (Ian Troy)]

That didn't know what it was.

[Market Mondays Host 2 (Rashad)]

It's. He never. I don't think.

[Market Mondays Host 1]

And there's a generation of teenagers who didn't see you and you don't mean anything to them, but this dude does. So we're gonna support him and elevate him. Y' all gotta stop.

[Market Mondays Host 3 (Ian Troy)]

And you only need one hit. He has one viral movement. If he translated, that's all you need. Because I'm saying, people, if they see his journey and he becomes what he's supposed to become, a lot of those people will follow. Same as they saw this movement in 2020 and followed. Like, it's a positive thing. Support it.

[Market Mondays Host 1]

Yeah. And again, I'm glad you said shout out to Stan. So Stan's is one of our guys. The fact that Stan was like, yo, let me figure out how I can help you. Let me introduce you to the guys that.

[Market Mondays Host 2 (Rashad)]

That's what I'm.

[Market Mondays Host 1]

That's community, bro. That's community. He knew how to get in contact with us. He was. He's our God, yo. We want to meet him. Yeah, let's do it.

[Market Mondays Host 3 (Ian Troy)]

Quick.

[Market Mondays Host 1]

Support.

[Market Mondays Host 2 (Rashad)]

Yeah, I'm supporting this. I'm supporting this. Okay. Will December be a window to 2026. As far as what to expect from.

[Market Mondays Host 3 (Ian Troy)]

The market, yes, 2026 would be slightly tumultuous. You still have to invest. I think the first quarter would be great. The summers will be rough once again. If you're holding for five years, it does not matter. It does not matter. 27. We could hit a little iceberg and then have a recession. If they allow it to be reported, Trump may just say we report no numbers, who knows? But it's an accumulation period. Put in chat. I'm going to accumulate through the winters. This is when you get to build like that generational wealth. Word gets thrown around a lot, but these are the times when you actually get to build it. That's why I always go back and look at my post from 10 years ago. Like, stay the course of what you're supposed to do. You're going to have some great moments. If you feel like you missed out on Nvidia and Bitcoin and Apple and amd, you're going to have chances to in the next year and a half to do so. So hope for the long term. 5 year minimum. 10 years is ideally the goal. Enjoy the accumulation season.

[Market Mondays Host 1]

Yeah, it's interesting. We were looking at the months and we like November kind of acted how we typically see September and October. It's the first time in like 10 years that the NASDAQ was like trading like at a negative. And then I think it kind of creeped up Friday. It might have broke even. But typically November is, is the month where we see the greatest gain inside of the NASDAQ over the past 50 years, which is interesting. Over the past 10 years it's been July. Yeah, very interesting. But December, we'll see. So it, it kind of trades flat. We, we have seen some great years. 2022 wasn't one of them.

[Market Mondays Host 3 (Ian Troy)]

Great accumulation year, though.

[Market Mondays Host 1]

Great accumulation here. You're exactly right. We'll see. You know, we've been talking about this, this Fed rate. Always when you're watching these things, Fed rate, those type of catalyst events are always important. There's going to be a new Fed chair announced at the end of this month. So that, that could, we could see a spike as a catalyst event. But that earnings part, right. When we talk about earnings companies beating earnings, that's been consistent throughout all of 2025.

[Market Mondays Host 3 (Ian Troy)]

Yeah.

[Market Mondays Host 1]

The major hyperscalers have all reported. You won't hear from them until end of January anyway, early February. So we'll start to see this, this pickup. We already saw the spending from the consumer side leading Into December. I think it'll be a pretty good month. I always talk about that, that first five days of January. We did that first five days. And it's tough historically. If you see how the first five trading days of the year are positive and negative, that usually gives you an.

[Market Mondays Host 3 (Ian Troy)]

Indication of how it's gonna go, how.

[Market Mondays Host 1]

The year is going to be. So yes, December I think will be good. Those first five trading days of 2026 is what I'll circle. And for everybody in Eylu. Yeah, y' all know how this works. I'll put the diagram up so y' all can see the history of it.

[Market Mondays Host 2 (Rashad)]

And then also the Department of Labor canceled the job report.

[Market Mondays Host 3 (Ian Troy)]

Hello.

[Market Mondays Host 2 (Rashad)]

For October. But in addition to that, they also canceled or delayed a few different things.

[Market Mondays Host 1]

Yeah.

[Market Mondays Host 2 (Rashad)]

CPI Real Earnings, the Job Openings and Labor Turnaround Survey. To put in full context, this is the first time in American history where a job report was canceled. It's been delayed before. Yeah, it's never, it's never in American history been canceled. So that's not good.

[Market Mondays Host 1]

Yeah, but that, that's why we were talking about. Why did they release the September reports just to tell us you're going to.

[Market Mondays Host 3 (Ian Troy)]

Cancel October's to make up for it robbing Peter to pay Paul on paper, never.

[Market Mondays Host 2 (Rashad)]

It's never happened before in American history. So yeah, there's, there's turbulence.

[Market Mondays Host 3 (Ian Troy)]

But S P finished positive for seven consecutive months.

[Market Mondays Host 1]

It did.

[Market Mondays Host 3 (Ian Troy)]

Longest streak since 2018. Continue to hold two tech to index. No stress, hold for the long term. You put this in chat. You only need four to six gray stocks to have a massive amount of wealth.

[Market Mondays Host 1]

Yeah. We're like 20 days from having another double digit positive growth in the nasdaq, in the S P and in the Dow. Those will be the third. Is it third year? I think if we go over 20, it'll be the third year. Yeah. And we're right there. I think the NASDAQ on Friday was at, at 19.5%. So we're right, we're right on that 20 line. Let's see if we can get. I think we'll get it.

[Market Mondays Host 2 (Rashad)]

The drought is coming.

[Market Mondays Host 3 (Ian Troy)]

Thank you. Then let's talk like it's just us. You're getting 20 return per year to offset them two years. That's going to be really up. I don't. Clip that up. Clip that up. They're fronting the money in advance to Let you know, hey, 26 and 27 are gonna be a little bit rockier.

[Market Mondays Host 1]

Back end of 26.

[Market Mondays Host 3 (Ian Troy)]

Yep. Back in. Yep.

[Market Mondays Host 1]

Yeah. So What? That, that's one of those things. And I was trying to figure out, like, well, if people are new to the space, like, what are the things, what are the signs that they should look for?

[Market Mondays Host 2 (Rashad)]

That.

[Market Mondays Host 1]

That is a. We're getting to that point. Right.

[Market Mondays Host 2 (Rashad)]

When you cancel a job report for the first time in America.

[Market Mondays Host 1]

Well, that, that's this year.

[Market Mondays Host 2 (Rashad)]

That's a sign. But that's a sign. That's this up. Yeah, that's part of my language.

[Market Mondays Host 3 (Ian Troy)]

Yeah, grow up.

[Market Mondays Host 2 (Rashad)]

Yeah, I've gotten cursing. I've got a few.

[Market Mondays Host 1]

No, I'm saying that's this year. And even, even with that, the market still went up. Right. But this is going to be something different. Right. So like volatility is something. We could say something like the Vix.

[Market Mondays Host 3 (Ian Troy)]

Right?

[Market Mondays Host 1]

Like the Vix, when it gets to 30, 35, we know we're in danger zone. You know.

[Market Mondays Host 3 (Ian Troy)]

Even past 30, we're going to have a. Like what micro strategy is going through. Certain companies are going to go through the same thing where it's not a 15 drop in a day or the most dangerous declines are the one that are gradual. 2 and 3% per day, a thousand little cuts, like. And that's what we went through in 2022.

[Market Mondays Host 1]

I was just gonna say that it.

[Market Mondays Host 3 (Ian Troy)]

Was just gradual declines and there was no market makers to wanna. Because all the asymmetric risks went away. We're entering the same kind of field. But like Rashad said, when you start lying about the numbers and then not only lie now, you're not reporting the numbers, that's not a good sign. Newfed CHAIR. Not a good sign. You say what you want to. It's not a good sign that he's putting in the guy that he wants. Not a good sign. Also listen to me. I'm gonna come on every week and tell you.

[Market Mondays Host 1]

Yeah.

[Market Mondays Host 3 (Ian Troy)]

I told you back. We did the Breakfast Club in the year 26. Oh, how did you know, bro? Listen, listen.

[Market Mondays Host 1]

Yeah, so that. Those are, those are things, right? Like when we talk about what are some indicators like those, those are the things. I think what you touched on, on that reporting. We've been. It's kind of crazy. If we watch the past two to three years, let's take 20, 22 out of it.

[Market Mondays Host 3 (Ian Troy)]

Yeah.

[Market Mondays Host 1]

Especially like companies like Nvidia, these hyperscalers, we've been watching them beat quarter after quarter after quarter after quarter. I think one of those telltale signs that we should be mindful of is like when they don't beat what happens the first time that Nvidia doesn't beat.

[Market Mondays Host 3 (Ian Troy)]

His quarter, the rest of the market is going to fall apart. And also look at if OpenAI and Ender will go public faster. That's definitely a sign because you, you don't want to go public in the middle of the crash.

[Market Mondays Host 1]

And they're still, they're still talking about it, right? Like now the debt has increased. The debt has increased.

[Market Mondays Host 3 (Ian Troy)]

Yep.

[Market Mondays Host 1]

Yeah. Well, they keep raising money.

[Market Mondays Host 2 (Rashad)]

We'll see.

[Market Mondays Host 1]

Yeah.

[Market Mondays Host 2 (Rashad)]

Question from the audience. They said, should I bit or could I bit replace one of the tech stocks into Tech2 index never. Or can I bid fit into tech to index.

[Market Mondays Host 3 (Ian Troy)]

Do what you want to do. If it doesn't work out, that's on you.

[Market Mondays Host 1]

No, do what you like.

[Market Mondays Host 3 (Ian Troy)]

Here's why this stock club, I won't get this, but Microsoft and Apple and VO and VTI is set up to absorb any collapse out of the top 150 reasons why the market could go down. I haven't calculated that like as much as I loved Nvidia, it would have made me look brilliant two years ago to replace it. Don't want the downside risk though, because the maximum drawdown for Nvidia is 65. It's not that for Apple. So while the rest of the market, if the market falls 40, Apple's not going to fall that far. They'll have levers in place to make sure that they don't go down that far. So no. And also when you have a good investment investing system, you don't change it every two years because you think something is cuter. You can do y' all all your little cheating inside chick like y' all did on Thanksgiving. But that portfolio stay faithful though.

[Market Mondays Host 1]

Your portfolio is faithful.

[Market Mondays Host 3 (Ian Troy)]

Gotta stay fake. That's why we get to talking about, oh, I don't like this. It don't. I've been free. You go cheat in your personal life if you want to, but when it comes to their portfolio, faithful.

[Market Mondays Host 1]

Be faithful. Be faithful to your post.

[Market Mondays Host 3 (Ian Troy)]

Don't swap nothing out. You got your little roster red pillars, right? Same order. I'm not changing too.

[Market Mondays Host 1]

Just keep re upping. Just keep you up with some damn respect. Please, please.

[Market Mondays Host 3 (Ian Troy)]

So but do what you want to do. You can another sign too. If we just wrap the show up.

[Market Mondays Host 1]

I was over.

[Market Mondays Host 3 (Ian Troy)]

Okay.

[Market Mondays Host 1]

Next one. Yeah, but you know what? You know what's another sign? And you, you, you started to show with it. But like if we start to see like commercial real estate like that, like we've seen some signs. Yes, there are signs. There's a regional bank start to Collapse. We've. The thing is like those things have all happened at different points and we just kept going. We watch a regional bank collapse and we just kept inject.

[Market Mondays Host 3 (Ian Troy)]

But even 94 of the s P is not a primary consideration in portfolio allocation. That's a scary sign because you got to think if that's the case from 2009 through 2019, pretty much because of zero interest rates. That's why the majority of the market went up. And then when that went away, it was like 15 companies that you could really lean on, like if your life was on the line. That's scary. European stock market, there's not one there probably, except in Spotify.

[Market Mondays Host 1]

Flip a coin.

[Market Mondays Host 3 (Ian Troy)]

Not one.

[Market Mondays Host 2 (Rashad)]

What's the investing lesson of the year?

[Market Mondays Host 3 (Ian Troy)]

The price in which you accumulate the asset matters more than anything. It's not just a technical analysis thing. This is a risk to reward ratio thing. The price that you bought an asset matters and do whatever you can to get that cost basis down. Because even if, let's say sailors, right? And his assertion about the value of Bitcoin, the banking cartels are showing you in real time. I don't even care if you have the number one asset if we want inclusion into it. There's different levels to the game. Why you think everyone's going to Dubai? Because the risk, there's no asymmetric risk to reward to build it in America first. That's why everyone's going to Saudi. They're telling you, hey, yo, I was gonna go to the tech conference in San Fran, but I'm going to Dubai. UA and Saudi. Go, go Capital race. You don't gotta listen to me. Follow the money.

[Market Mondays Host 1]

That's it.

[Market Mondays Host 3 (Ian Troy)]

Follow, follow the money.

[Market Mondays Host 1]

Be a disciplined investor.

[Market Mondays Host 2 (Rashad)]

What, what are you, what, what's your thoughts on the stock market and what investments are you looking into.

[Market Mondays Host 1]

In terms of next year or this year?

[Market Mondays Host 2 (Rashad)]

Next year.

[Market Mondays Host 1]

Next year. I think we still have a bullish case. I still think we have a bullish case. I think the, the hype around the AI bubble has, has been overdrawn a little bit based on everything that we're seeing, right? It's, it's the AI bubble. And then Google says, hey, where you can be more efficient. Oh, AI bubble is going away. I think the story still will become how we become more efficient on how we're going to power this. I don't think we have a clear solution there. I talked about who I think will lead that still. And I had this conversation today. I still see this, this memory sector as something that will be very bullish in 2026 from the amount of demand versus the amount of supply. In fact Samsung has decided that, you know, they are limited which is why we saw Micron rise. But even Google as a memory partner, they had Samsung as one of their clients. They said that this talks potentially that they're going to move away from Samsung as their primary drum memory component. Which is interesting because it goes back to that theory that we've been saying all year long since this administration has been here. We're going to make sure that American companies are great and we're going to make sure that American companies partner with each other. Which is why you saw Apple now talking to Intel. Right. All these companies are, are working together which tells me that memory, that component and the American company that leads it is Micron. There's still a huge story to be told there. So I like that going into it. I'm going to do a whole class on it about my picks for, for 2026 in, in the next class and we're going to review our picks for 2025. I still have you know, TSM, Nvidia, ASML has performed well as well. We had Vstra Vertiv. All these companies, they, they all double digit percentages. Some of them have gone up by you know, 200%. Telesco was in that, in that mix. So the, the bullish case is still there. I'm still bullish. There are still some opportunities inside of the space. I actually, I'm actually going to post something tomorrow about I gave that analogy between how the body anatomy and AI and the connectivity, how they're, they correlate to each other. I actually used Nano Banana too to create the illustration. It came out fire. That's fine. Post that tomorrow because there's so many components that have to work together to make this work. So I'm still bullish on the market and I'll be giving away My picture 26 on market Mondays before we end the year.

[Market Mondays Host 2 (Rashad)]

But you're gonna post it with Eli University.

[Market Mondays Host 1]

Yeah, yeah, I'm gonna put it inside.

[Market Mondays Host 2 (Rashad)]

The stat so talk about that what you're doing. Ey University.

[Market Mondays Host 1]

Yeah man. So, so EY University obviously we teach the options class and a lot of people have, have made tons, tons of, of money from, from some of the information. Whether they're going long calls like I am or they're going with the information and taking shorter term calls on it. Inside of that there's all phones also information that gets passed through the community. So that's why I said the app is so important. So when we're talking about valuations, do you have a tech component? Yeah, we have a tech component. It's our app. It's where our community lives. It's where we communicate with each other. But inside there we got our investors club as well. So we have amazing, amazing teachers inside there that not only listen to the class and review the information and give a deeper dive, but they actually give their own information as well. And I've been using the information especially when, you know, we brought Austin off for our episode when we're talking about Bitcoin and the cryptocurrency space and how he viewed it. We've used that information to apply and add to our portfolios as well. So that's happening on a daily basis. The, the options classes happen on a monthly basis. And inside there it's like a, it's like a two hour class where I'm like telling you, right, I say that this is if this is the public school, the Eyl University piece is like the private school where it's like, here is what we're looking at, here's why we're looking at it. That's how I kind of look at it. So yeah, we're gonna give out all the stock picks for 2026 and again review 2025 because we've had an amazing year. In fact, I put my, my portfolio in the chat box. We go on a call and they were like, your portfolio has beat the the s P by 85% which is nothing to sneeze at. So kudos to everybody that's been using the information and executing on information.

[Market Mondays Host 2 (Rashad)]

EYL University once again, Cyber Monday deal 48 hours only. EY University and Red Panda combined. Five year access to both 50 discount for what the Black Friday sale was running right now for the next 48 hours, Eyo University and Red Panda combined gives you access to stock club, gives you access to EY University, the app, all of the information that Troy just spoke about.

[Market Mondays Host 3 (Ian Troy)]

One other sign real quick to keep your eye on for 26, but it's happening now. Japan's 10 year yield has hit 1.84, the highest since April of 2008. I know everybody three years ago kept telling me bricks doesn't matter but no one wants our debt and now all that Japanese yin carry trade ish is over. So if that bond rate continues to go up. Yeah, that is not a great sign for us or our stocks.

[Market Mondays Host 1]

Are we frozen? Yo, that's crazy. That was my homework today and it's crazy that you put that in the notes. I had seen that posted so I did the research on that and obviously I was just pulling back the layers. So Japan is a top buyer of U S Treasuries. So the higher the yields means less demand for U S bonds, higher US Yields and heavier pressure on tech valuations which is not the greatest sign if we're talking about something that we. Yeah. Companies that we invest in and we talk about growth companies specifically when we talk about tech. This, this is, this is interesting. They said it's the most important macro development of 2025 because it shows the world has fully transformed from a zero rate era to a genuine long term higher for longer global interest rate environment which is kind of what we're with. Our Fed chair was saying like yeah, we're not going back to zero. We'll kind of stay in this area for a longer time than we expected.

[Market Mondays Host 3 (Ian Troy)]

And the third biggest buyer of our debt which is China, we're at war with. So if they stop buying the C and bricks is for China, the others will follow suit. What would that mean for our economy?

[Market Mondays Host 2 (Rashad)]

Yeah, not good.

[Market Mondays Host 3 (Ian Troy)]

What do I know?

[Market Mondays Host 2 (Rashad)]

Not good. Not good. But yeah, I guess we're, we're frozen. So are you.

[Market Mondays Host 1]

I think.

[Market Mondays Host 2 (Rashad)]

So you can wrap this up.

[Market Mondays Host 3 (Ian Troy)]

Cold world coming. Bundle up, listen the first time and go watch every episode, every question that you ever want answered. Answers begin with in market Mondays already.

[Market Mondays Host 1]

Yeah, that's what makes it dope is that we were in here. We were here in 2020. We were here 2021 but we were also here for 2022 the entire year while the market pulled back. The Nasdaq was down 32%. Nvidia was down, Microsoft was down 30. We were here for all of that. So like that would be a good like go watch those, those episodes from those years and how we, how we performed.

[Market Mondays Host 2 (Rashad)]

Sure. Well, ladies and gentlemen, it's been real. Like I said, we have some technical difficulties but hopefully next, next week we'll have better wi fi service and we'll have a stock ticker, God willing. Thank you guys for tuning in. If you have questions, I think Ian is frozen now as well.

[Market Mondays Host 3 (Ian Troy)]

Thank you for coming out. God bless. Good night.

[Market Mondays Host 2 (Rashad)]

Get home safe. Go to market Mondays deal Market Mondays with A S Market mondaysdeal.com if you want to take advantage of the cyber Monday offer stock club and you are university and we will see you guys on Wednesday for blackout and then we will see you back on Thursday per in your leisure.

[Market Mondays Host 1]

Amen.

[Market Mondays Host 3 (Ian Troy)]

5Pm Wednesday for stock club call. See you guys for blackout, investor or not.

[Market Mondays Host 1]

Yeah, be good. Happy birthday again to my boy George. And happy birthday to the billy goat. His birthday this weekend. Oh, December 4th. Happy birthday.

[Market Mondays Host 3 (Ian Troy)]

Oh, for sure. For sure.

[Market Mondays Host 1]

Peace.

[Market Mondays Host 3 (Ian Troy)]

Okay, they said they can hear us, though. Let's talk privately.

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