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Hey investors & entrepreneurs, here's the good stuff this week:

• FU money is nothing with the FU part.
• 24 trading could be very bad for some.
• The future of Altcoins.
• Vanguard getting into the advice game.
• Chasing stuff and status leads to nowhere.
• Why companies are leaving Delaware.
• Ai reliance may lead to skill decay.
• Money stress isn't always about not having enough money.
• & loads more of the good stuff below.

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For the Investor

🤑 "Fuck You Money” is Useless Without the “Fuck You” - Financial freedom isn’t real freedom if you’re still trapped by status, structure, or self-doubt. Money can break the material prison, but the mental one requires purpose, identity, and the ability to live without old guardrails. Otherwise, you’re just upgrading your cage.

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🤑 Why Schwab’s 24-Hour Trading Might Be a Bad Idea for Investors - Schwab’s expanded overnight trading makes the market more accessible but also increases the risk of impulsive, regret-filled decisions. Research shows late-night trades tend to be riskier, so a little patience might still be the best strategy.

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🤑 The Bull And Bear Case For Altcoins This Year - Altcoins could rally if bitcoin dominance fades, recent liquidations reset the market, and hedge funds unwind ether shorts. But a flood of new tokens, bitcoin’s shifting investor base, and tighter liquidity could keep them struggling.

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🤑 How Vanguard plans to play disruptor again - Vanguard is expanding into financial advice, bond funds, and cash management, but outdated tech and service issues could slow it down. New CEO Salim Ramji is betting on modernization to make Vanguard the go-to financial hub for a new generation.

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🤑 Occidental Petroleum Stock Is Down 32% - But Warren Buffett Keeps Buying More. Does He Know Something the Market Doesn't? - Buffett keeps buying Occidental Petroleum, adding 763,017 shares to Berkshire’s stake despite the stock’s decline. Berkshire earns $800 million annually from dividends and holds warrants for more shares, while Occidental focuses on debt reduction and carbon capture.

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For the Entrepreneur

🤑 The Future of Sales: How AI and Automation Are Transforming Go-to-Market Strategies - Sales is going fully AI, with go-to-market engineers replacing RevOps and AI agents taking over prospecting. Yet, closing deals still comes down to human trust and persuasion—some things never change.

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🤑 The False Gospel of Stuff and Status - Chasing status and stuff leaves many unfulfilled. Real happiness comes from meaningful work, deep relationships, and passions pursued for their own sake.

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🤑 Leaving Delaware - Delaware’s reputation is slipping as companies are leaving over unpredictable court rulings. Nevada and Texas offer lower litigation risk and more stable business laws, making them the top alternatives.

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🤑 How to reclaim hours by cutting out the biggest time sucks of your workday - Save time by reducing distractions, streamlining communication, and handling tasks more efficiently.

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🤑 This Is the Underappreciated Marketing Approach That Will Help You Keep Customers Longer - Customers who shop across multiple channels spend more and return more often. Businesses using seamless messaging, retargeting, and data-driven personalization are seeing higher revenue and loyalty.

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The Private Credit Playbook ​ Private credit has quietly become one of the fastest-growing asset classes according to McKinsey & Co. And it’s not stopping, with the largest pension funds increasing allocations by over 50%. Why? Higher yields (often 10%+) and lower volatility than traditional income-generating assets.* Heron Finance’s free ebook breaks down: Private Credit Strategies: The pros and cons of different approaches. Finding the Right Fit: Which private credit assets align with your investing style? Portfolio Allocation: How much should you invest in private credit? No email required—just insights on how private credit can diversify your portfolio and generate passive income. ​ ​ Download the Free e-book *sponsored by Heron

• ​brAIn drAIn - Heavy AI use might reduce critical thinking, with workers outsourcing cognitive effort to automation. Microsoft’s research shows over-reliance leads to skill decay, especially for those who trust AI too much. Skepticism isn’t just healthy—it might be necessary to keep your brain sharp.
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• ​There goes my hero - Time is not a guarantee. A story and lesson in generosity, love for family, and a belief in valuing experiences over possessions.
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• ​Cal Newport’s Productivity Hack That Can Also Help You Escape Financial Burnout - Financial stress comes from overcommitting resources, not just lack of money. Prioritization is key, a simple two-list system, one for active financial projects and one for holding future expenses.

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This Is Why People Are So in Love With Gold - A look into gold’s record-breaking run with Maxud Agajan, founder of Tracks NYC. He chats with Joe and Tracy about why people love gold, how it holds value over time, and how central banks are buying it up. They also touch on crypto competition, lab-grown diamonds shaking up the market, and the challenges of running a jewelry business in NYC’s Diamond District. Plenty of fun stories, investing insights, and even a bit on that famous Uncut Gems Furby.

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​Apple | Spotify | Youtube​

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This Is Why People Are So in... Feb 14 · Odd Lots 53:48   ​

• ​Grok3 (I mean, why not right?) xAI has unveiled Grok-3, claiming it as the smartest AI to date (of course), outperforming Gemini-2 Pro, Claude 3.5 Sonnet, and GPT-4o in key benchmarks. It’s rolling out gradually via the Grok app, with a Grok-3 Mini version for faster responses.

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• ​Pikaso by Freepik is a design platform with millions of free and premium graphics, including vectors, photos, icons, and templates to turn rough ideas into polished designs. It also has AI-powered tools for editing you'd expect: background removal, and content generation. Ideal for designers, marketers, and content creators, to help you maintain consistent visuals.

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❌ No hype ❌ No BS

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Members, here are some of the threads you may have missed…

• Discussion around Vanguard launching $VBIL an $SGOV competitor.
• Members reveal their recommendations for an email clean up tool.
• Travsi gets input on tools/services for analyzing your genetic data.​
• Tommy shares his thoughts after testing Grok3.​
• Scott shares how he built a UGC ad creation workflow.​
• Mohd getting thoughts on if there's a way for real estate to bring in ~15%/year cashflow passively from rent.​

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Had an epic Fireside Chat on wealth building and investing with Sam Prentice. Sam has joined us twice previously and once again delivered. Recording soon.

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Check out The Vault, where you'll find any epic and value bomb post/thread immortalized.

In Snowball...

• Upcoming group calls:
  • Wine with Travis Feb 27
  • More FS chats planned.
  • M&A chat coming up (details soon).
  • A monthly Ai chat.
• More excellent Fireside chats always in the wroks - stay tuned.
• Members can access recordings of all our Fireside Chats anytime here.​
• You'll also find investing opportunities for members to take advantage of.

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Join Snowball.

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Disclaimer: Not financial, investing or tax advice. This newsletter is strictly for information, entertainment and education purposes. Nothing in here is investment advice or a solicitation to buy or sell any assets or to make any financial decisions. This newsletter is not tax advice. Talk to your professional advisors. Do your own research. There will also be affiliate links in here from time to time because we like free money.

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*Further Disclosure from the sponsor: This is a paid advertisement. The opinions expressed in this advertisement are strictly those of Heron Finance. The information in this advertisement does not constitute an offer to sell securities or a solicitation of an offer to buy securities. Further, none of the information contained in this advertisement is a recommendation to invest in any securities. Please note there are no material conflicts of interest related to this advertisement. Returns are not a guarantee of future results. Please consider all risk factors before investing.