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Matt Cohen and John Ruffolo break down the collapse of Canada-U.S. trade negotiations, the unanswered questions surrounding the failed deal, and whether Canada is protecting legacy industries at the expense of technology and long-term economic growth.They also examine Prime Minister Mark Carney's ambitious pitch to bring international capital back to Canada, including billions of dollars in proposed energy, transportation, infrastructure, and technology projects. But can a polished deal book convince investors to fund projects that have struggled to attract capital for years?Finally, Matt and John unpack the political battle forming around Anthropic's anticipated IPO, the growing influence of AI regulation campaigns, and Miro's dramatic fall from a $17.5 billion valuation.As Canada searches for a way out of its trade crisis, global investors are being asked to reconsider the country's economic potential. At the same time, AI companies are entering a political and regulatory battle that could determine who controls the industry's future.If you are a founder, investor, policymaker, or anyone trying to understand where capital and technology are heading next, this episode is worth your time.–A big thanks to our sponsor, Moomoo CanadaThis is the kind of tooling that used to live on a Bloomberg terminal, but now it is on your phone, just a few taps away. They offer real-time data, full options chains, and an AI assistant that actually explains trading strategies.Moomoo is the perfect place for people who want to take their money seriously. Open an account today at moomoo.caWhy Canada-U.S. Trade Talks Fell Apart (01:31)The latest Canada-U.S. trade negotiations appeared close to producing an agreement until everything suddenly unraveled. John argues that the biggest problem is not simply the failed deal, but the Canadian government's refusal to clearly define what success was supposed to look like.With provinces reportedly objecting to parts of the proposed agreement and conflicting stories emerging from both sides, Canadians are left guessing about what happened. John asks the uncomfortable question: Is Canada protecting dairy and other legacy interests while sacrificing its technology economy?The Real Cost of Walking Away From the U.S. (07:43)Many Canadians support ending the negotiations, but that support begins to disappear when higher taxes, rising unemployment, and slower economic growth enter the conversation. John warns that Canada cannot reduce its dependence on its largest trading partner without experiencing real financial pain.That burden will not be shared equally. Older Canadians with homes, pensions, and U.S. investments may be able to absorb the disruption, while younger Canadians already struggling with housing and affordability have much more to lose.Carney's Plan to Bring Investment Back to Canada (10:18)The Canada Investment Summit is presenting more than 160 opportunities across energy, critical minerals, transportation, manufacturing, digital technology, and infrastructure. The goal is to reintroduce Canada to international investors after a decade in which global capital largely looked elsewhere.John supports the strategy but tempers expectations. The summit may not produce immediate checks, but it could rebuild the relationships Canada needs to finance major projects and reverse its reputation as an undercapitalized market.Anthropic's IPO Enters the AI Political War (16:15)A former Anthropic researcher's warning about self-improving superintelligence quickly spread across the internet, creating fresh questions about AI safety and the company's anticipated IPO. Matt examines whether the viral backlash emerged organically or was amplified by politically connected organizations pushing for tighter AI regulation.John believes there is no neutral position in the AI debate anymore. Competing groups are funding optimistic and catastrophic narratives, turning data centers, employment, regulation, and AI safety into deeply political issues. Despite the controversy, he does not expect the backlash to derail Anthropic's IPO.Miro's Collapse and the Continuing SaaSpocalypse (21:11)Miro was valued at $17.5 billion at the height of the software boom. Its reported acquisition by Bending Spoons at a fraction of that valuation shows how brutally the market has repriced venture-backed SaaS companies.Miro remains a substantial business with hundreds of millions in recurring revenue and a strong enterprise customer base. The problem was not the product; it was the inflated valuation and financing structure built around it. John expects more overfunded unicorns to face similar outcomes.Connect with John Ruffolo on LinkedIn: https://ca.linkedin.com/in/joruffoloConnect with Matt Cohen on LinkedIn: https://ca.linkedin.com/in/matt-cohen1Visit the Ripple Ventures website: https://www.rippleventures.com/ This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit tanktalks.substack.com

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In this episode of Tank Talks, host Matt Cohen sits down with Chris Pronger, Hockey Hall of Famer, Norris and Hart Trophy winner, Stanley Cup champion, two-time Olympic gold medalist, and one of the NHL's 100 greatest players. Chris takes us inside the mindset that transformed him from a booed 21-year-old in St. Louis into one of the most dominant defensemen of his generation.They break down what it really takes to bet on yourself, why delayed gratification is the secret to sustained excellence, and how Chris rebuilt his entire training protocol from the studs after already being nominated for a Norris Trophy. Chris opens up about the early-career failures that forced him to look in the mirror, the veterans who shaped him, from Brad McCrimmon to Wayne Gretzky and Al MacInnis, and the 4-pound muscle between his ears that changed everything.He also shares hard-won lessons on leadership, managing teammates with different personalities, the importance of culture in championship runs, and why the best leaders lead by example, not just by talking. From the 2007 Stanley Cup run with Anaheim to the scary commotio cordis incident in 1998 and the eye injury that ultimately ended his career, Chris delivers a raw, unfiltered look at the true cost of greatness.Whether you're an athlete, a founder, a leader, or simply someone trying to earn your way forward, Chris offers practical wisdom on resilience, identity, and the art of controlling what you can control.A big thanks to our sponsor, Moomoo CanadaThis is the kind of tooling that used to live on a Bloomberg terminal, but now it is on your phone, just a few taps away. They offer real-time data, full options chains, and an AI assistant that actually explains trading strategies.Moomoo is the perfect place for people who want to take their money seriously. Open an account today at moomoo.caWhy Multi-Sport Athletes Have an Edge (04:33)* The physical and mental benefits of playing multiple sports* Proprioception, hand-eye coordination, and learning how to learn* Why parents are stealing their kids' childhoods with early specialization* The truth about peewee superstars: 99 out of 100 aren't the best at 18The Veterans Who Shaped a Hall of Famer (07:28)* Brad McCrimmon as a mentor and “woobie” in Hartford* Learning consistency, preparation, and professionalism from the ground up* Walking into a locker room with Gretzky, Hull, MacInnis, and Fuhr* Watching how the greats handle media, scrutiny, and the grindGetting Booed, Hitting Rock Bottom, and the Aha Moment (10:33)* Being traded for Brendan Shanahan and getting booed relentlessly in St. Louis* The dark hole of not being prepared and the wake-up call that changed everything* Why Gretzky's arrival was a blessing that took the spotlight off him* The summer that launched his ascent: training, preparation, and the 4-pound muscleThe Magical 1999-2000 Season (13:27)* Winning the Hart and Norris in the same year, first defenseman since Bobby Orr* Staying healthy through proper training and offseason dedication* How Al MacInnis' injury forced him to carry more weight* The magical regular season that fell apart in the playoffsDelayed Gratification and the 2007 Stanley Cup Win (16:15)* Compounding summers of training with Charles Poliquin* Scrapping his entire training protocol after a Norris nomination* Getting twice as strong in one summer and feeling the difference on the ice* Winning the Cup with Anaheim, and why the mission was winning for everyone elseOutlasting Opponents and Battling Peter Forsberg (19:46)* Taking pride in being the best-conditioned athlete on the ice* The battle of attrition and grinding guys down* Why Forsberg was one of the toughest players he ever faced* The physical toll of playing a heavy gameLeading by Example vs. Talking About Standards (24:01)* Holding teammates to a high standard, and showing them why* Why teammates need to see your work ethic every single day* Managing different personalities and knowing how to reach each player* The evolving nature of culture in a locker roomThe 2007 Ducks Run and Championship Culture (29:46)* A veteran core with different leadership styles: Scotty Niedermayer, Teemu Selanne, Rob Niedermayer* The self-policing group that didn't need one person grinding all the time* Winning for Teemu, winning for Jiggy, winning for each otherThe Heart-Stopping Incident and Ripping the Band-Aid Off (32:05)* Blocking a shot that hit him in the heart, commotio cordis* Stopping breathing for 25-30 seconds and the surreal aftermath* Playing two days later to avoid the stigma and the questions* Comparing his experience to Damar Hamlin'sThe Eye Injury, Losing His Sixth Sense, and Forced Retirement (37:45)* The stick to the eye that ended his career* Losing the spatial awareness that made him elite* Watching the game from the outside and realizing at 40 it was too fast* Evolving from “what if I was playing” to “how can I help players get better?”Controlling What You Can Control (44:24)* Learning to park the game at the door and not stew on mistakes* The maturity to separate performance from identity* Sleeping better, recovering faster, and playing longerThe Year Off and Avoiding Post-Career Pitfalls (46:42)* The best advice he ever received: take meetings, listen, wait a year* Retraining his eye and healing his head for 18 months* Why jumping into the next thing too fast is a trapInvestment Mistakes and Lessons Learned (51:03)* Prioritizing people over the deal itself* The red flags, last-minute asks, rushed timelines, and fine print* Sleeping on every decision and never committing on the spotWriting Earned and Taking Off the Armor (54:17)* The hardest truths to put on the page* Why hockey stories alone weren't enough: mistakes, growth, and evolution* The message that everything in life is earned, no shortcuts, no handoutsParenting, Legacy, and the No-”What-If” Rule (57:21)* No what-if games in the Pronger household* You can't cherry-pick moments; everything changes with every fork in the road* No rearview mirrors, learn, grow, evolve, and keep moving forwardAbout Chris ProngerChris Pronger is a Hockey Hall of Famer, Norris Trophy winner, Hart Trophy winner, Stanley Cup champion, and two-time Olympic gold medalist. Over a 20-year NHL career, he played for the Hartford Whalers, St. Louis Blues, Edmonton Oilers, Anaheim Ducks, and Philadelphia Flyers. Known for his physical dominance, elite hockey sense, and relentless conditioning, Pronger was named one of the NHL's 100 greatest players. Since retiring, he has focused on his family, his wife Lauren's luxury travel company, Inspired Travels, and sharing the hard-earned lessons of his career through his 2026 book, Earned: The True Cost of Greatness from One of Hockey's Fiercest Competitors.Connect with Chris Pronger: https://www.linkedin.com/in/chrisprongerBuy Earned: https://www.amazon.com/Earned-Greatness-Hockeys-Fiercest-CompetitorsConnect with Matt Cohen on LinkedIn: https://ca.linkedin.com/in/matt-cohen1Visit the Ripple Ventures website: https://www.rippleventures.com/ This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit tanktalks.substack.com

In this episode of Tank Talks, host Matt Cohen sits down with Keegan McCallum, co-founder and CEO of uRUN, an inference provider built for persistent, steerable, interactive AI experiences. Keegan's path took him from jailbreaking iPods in Thunder Bay, Ontario, to building the infrastructure that powered Luma AI's viral Dream Machine launch, scaling from 500 to 9,000 H100s in six hours to process over half a million videos.They break down why the industry is wrong to shoehorn interactive AI into old request-response systems and why the future belongs to persistent, stateful, real-time experiences. Keegan explains the technical differences between LLMs and video models, why infrastructure is the biggest bottleneck for the next wave of AI, and what it takes to recruit top engineering talent.He also shares hard-won lessons on selling to developers, the Canadian AI talent landscape, and his bold, contrary views on the AI supply chain. From avatars and steerable video to coding agents generating 1,000 tokens per second, this episode is packed with frontline insights.Whether you are a founder building in AI, an infrastructure engineer, or simply curious about where human-computer interaction is headed, Keegan delivers a clear-eyed look at the future of interactive AI.–A big thanks to our sponsor, Moomoo CanadaThis is the kind of tooling that used to live on a Bloomberg terminal, but now it is on your phone, just a few taps away. They offer real-time data, full options chains, and an AI assistant that actually explains trading strategies.Moomoo is the perfect place for people who want to take their money seriously. Open an account today at moomoo.caThe Luma AI Experience: From 500 to 9,000 H100s (04:18)* Joining Luma after building an early LLM infrastructure startup* The Sora demo and the pitch to build and release a competing video model* Building the inference infrastructure for Luma's launch* Scaling from roughly 500 to 9,000 H100s in six hours as Dream Machine went viralWhat a Viral AI Launch Actually Looks Like (06:03)* The request queue hitting 100,000 during the Dream Machine launch* Processing half a million videos in 12 hours and reaching one million users in four days* Why having a queue protected the user experience during the surge* Building infrastructure that could run across raw VMs, Slurm, Kubernetes, and different GPU providers* Why founders need to plan for success before the product takes offWhy AI Production Infrastructure Is Being Left Behind (10:50)* The tension between training the next model and supporting production workloads* Why infrastructure teams can lose talent to model research* The opportunity Keegan saw in building a dedicated ML infrastructure team* Creating infrastructure that model labs across different modalities can use instead of rebuilding it themselvesWhy Video AI Needs a Different Infrastructure Stack (12:32)* The limitations of moving media through traditional object storage* The latency problems that make real-time previews and interaction difficult* Streaming audio, video, images, and text as continuous inputs and outputs* uRUN's focus on making persistent, interactive AI experiences easier to build* Moving AI from something you message toward something that feels present with youThe Shift Toward Omnimodal and Interactive AI (19:01)* What Keegan learned working closely with Luma's research team* Why understanding the research direction matters when building infrastructure* The move toward AI that can understand vision, audio, language, reasoning, and sensor data* How AI has evolved from single prompts to conversations, agents, and interactive systems* Why highly interactive, real-time AI experiences could become the next major interfaceSmall Models, Specialized AI, and the Future of Inference (26:31)* Keegan's previous startup thesis around smaller models and delegated inference* Why continual learning remains a difficult problem* Running capable smaller models locally and knowing when to delegate to larger models* Why enterprises may increasingly want differentiated models running in-house* The potential shift toward using large models for the hardest problems rather than every taskWhere uRUN Is Seeing Early Demand (30:38)* AI avatars for customer support and sales* Steerable video generation that lets users intervene while content is being created* Video transformation for creators, avatars, and live experiences* Real-time visual effects for music festivals and live events* Why world models could eventually have applications in open-world gamingThe Infrastructure Problem Holding Back World Models (00:32:54)* Companies developing world models without the infrastructure to serve them* Why scaling world models remains difficult* The enormous context requirements involved in tracking everything happening in a simulated environment* The need for distributed infrastructure as these models become more capableBuilding a Team Around Hard Problems (35:18)* Finding engineers with deep experience in infrastructure and low-latency inference* Bringing together expertise from New Relic, AWS, Superorbital, and other infrastructure environments* Why Keegan looks for engineers who can work across multiple areas* Building a small team of high-leverage people instead of optimizing for headcountThe Trait Keegan Looks for in Exceptional Engineers (37:47)* Why culture and quality matter more than quantity* Looking for people who take ownership and solve problems without waiting for instructions* The importance of urgency and experience operating under pressure* Why hard problems can attract customers, investors, and exceptional talent* Hiring people who can wear multiple hats and produce at a high levelBuilding AI Companies in Canada (41:29)* Why Keegan keeps finding Canadians throughout Silicon Valley* The advantages of building a strong team in Canada at a lower cost* Government funding and the opportunity to build ambitious companies with smaller teams* The challenge of Canadian companies and talent being pulled toward Silicon Valley* Why Canada needs more ways for companies to grow instead of selling earlySelling Infrastructure to Developers (44:23)* Why developers want to try the product rather than hear a list of performance claims* Giving technical users something they can get their hands on and test* Why open-source surfaces can help developers understand how a product works* Documentation and developer experience as a core part of selling infrastructure* Why developers have a very high tolerance bar for technical errorsThe Infrastructure Shift Coming Next (46:43)* Why persistent streaming infrastructure could become standard* Moving away from request-response systems toward long-running streams* The importance of maintaining state across continuous interactions* Potential applications in real-time video, virtual try-on, image editing, and coding agents* The infrastructure required for AI systems that can generate and respond almost instantlyAbout Keegan McCallumKeegan McCallum is the co-founder and CEO of uRUN, an inference provider built to handle persistent, steerable, and interactive AI experiences. A self-taught engineer who started by jailbreaking iPods in Thunder Bay, Keegan has built a career on tackling the hardest infrastructure problems in Canada. He has held leadership roles at Colony Networks and served as the Head of Engineering at Luma AI, where he led the infrastructure team that scaled the viral Dream Machine launch from 500 to 9,000 GPUs in a single day. His deep technical expertise spans ML infrastructure, cloud-native systems, and low-latency edge computing.Connect with Keegan McCallum on LinkedIn: https://www.linkedin.com/in/keeganmccallum3?originalSubdomain=caVisit uRUN's website: https://urun.sh/Connect with Matt Cohen on LinkedIn: https://ca.linkedin.com/in/matt-cohen1Visit the Ripple Ventures website: https://www.rippleventures.com/ This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit tanktalks.substack.com

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Canada is back at the negotiating table with the U.S., looking for relief from tariffs on autos, steel, aluminum, forestry, and other goods. Matt Cohen and John Ruffolo break down the latest developments, including the possibility of a revived Keystone XL project and the concessions Canada may have to make to get a deal across the line.But John's bigger concern is what Canada could give up in the process. He argues that digital services and technology are becoming the new economic battleground, and Canada risks protecting traditional industries while giving away ground in the sectors that could drive future growth. Matt and John also question why Canada is negotiating from a fragmented position while the U.S. approaches the talks as a unified front.The episode delves into Ontario's new rules for AI data centers, the growing debate over who should pay for the massive infrastructure needed to power AI, and Anthropic's unusual founder-control structure ahead of a potential IPO. Matt and John also look at Stripe's decision to remain private while making a major AI acquisition, Clearco's unexpected comeback after securing new financing, and why Canada may be falling behind the U.S. on blockchain despite having some of the strongest talent in the space.If you want a sharper read on where the U.S.-Canada trade, AI infrastructure, and digital sovereignty are heading next, this episode is a must-listen.–A big thanks to our sponsor, Moomoo CanadaThis is the kind of tooling that used to live on a Bloomberg terminal, but now it is on your phone, just a few taps away. They offer real-time data, full options chains, and an AI assistant that actually explains trading strategies.Moomoo is the perfect place for people who want to take their money seriously. Open an account today at moomoo.caCanada's Trade Gamble (03:05)John warns Canada may trade digital sovereignty for short-term wins on oil and agriculture, calling it “solidifying the past and giving up the future.” He explains how U.S. statecraft has cleverly undermined Canada's domestic tech industry through data and content restrictions.Ontario's AI Data Center Crackdown (08:54)Ontario rolls out new rules forcing AI data centers to pay higher electricity rates and cover infrastructure costs. John says the move was inevitable and raises legitimate questions about whether AI's benefits will be widely shared.Anthropic's Super-Voting Share Plan (12:52)Anthropic plans super-voting shares and a trust to insulate its founders, who own only about 2% each, ahead of a potential $2 trillion IPO. John calls it bad governance but admits the public likely won't care given the company's explosive growth.Stripe Stays Private and Buys Big (17:24)Stripe acquires OpenRouter for $8 billion in stock while staying private, with revenues up 41% and free cash flow rising 43%. John asks why they'd ever go public if secondary markets provide liquidity and they can avoid quarterly scrutiny.Clearco's Comeback (19:48)Clearco secures a $100 million Macquarie facility, cutting its cost of capital by 50% in a stunning turnaround. The chairman describes it as rebuilding an airplane mid-flight, and they've pulled it off.Is Canada Losing the Blockchain Race? (20:56)With U.S. crypto rules advancing and Canada stalled since the Stablecoin Act, John warns the real opportunity is in unified ledgers, not currencies. He notes Canada's best blockchain talent is building for American companies, not Canadian ones.Connect with John Ruffolo on LinkedIn: https://ca.linkedin.com/in/joruffoloConnect with Matt Cohen on LinkedIn: https://ca.linkedin.com/in/matt-cohen1Visit the Ripple Ventures website: https://www.rippleventures.com/ This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit tanktalks.substack.com

In this episode of Tank Talks, host Matt Cohen sits down with Karl Holmqvist, co-founder and CEO of Lastwall, a FedRAMP-certified identity security platform built for the highest-risk use cases. Karl has been deep in cybersecurity since the 1990s, with early experience building critical infrastructure, including Canada's first high-speed mobile data network, and a recent focus on identity security at the forefront of making systems quantum-resilient. In this conversation, they explore the evolution of Lastwall from early behavioral biometrics and cognitive signals to today's hybrid post-quantum cryptography.They also dig into the journey to FedRAMP approval and what it really takes to sell to the hardest customers on the planet, from the DOD's Innovation Unit to critical infrastructure operators globally. Karl shares his view on why hybrid cryptography is the only responsible path right now, the magnified risk of the AI agent era, and his strongly held belief that when it comes to quantum resiliency, you're either going to be too early or too late.Whether you're a founder navigating a path into regulated markets, a security leader thinking about the agentic AI era, or just curious about what it takes to protect critical infrastructure, Karl delivers a grounded, technical, and occasionally unsettling look at where identity security is headed.–A big thanks to our sponsor, Moomoo CanadaThis is the kind of tooling that used to live on a Bloomberg terminal, but now it is on your phone, just a few taps away. They offer real-time data, full options chains, and an AI assistant that actually explains trading strategies.Moomoo is the perfect place for people who want to take their money seriously. Open an account today at moomoo.caGrowing Up in Dubai During the Gulf War (03:50)* Karl's childhood in Dubai as an expat during the Gulf War* Visiting the USS Nimitz and seeing 5,000 people living on an aircraft carrier* How jets overhead and allied ships shaped his early view of technology and defense* The BBS era and the thrill of finding information that wasn't available to everyoneFrom Mobile Data Skepticism to Building Canada's First High-Speed Network (05:31)* Why people thought mobile internet was “the stupidest thing” in the early 2000s* Building a data-only carrier when no one believed you'd want internet everywhere* The Nokia Communicator as his favorite tech gadget and early glimpse of mobile data* Connecting critical infrastructure and discovering default credentials left wide openThe Wake-Up Call: Wastewater Plants and Unsecured Dams (12:58)* Finding a wastewater flow control valve dangling on the internet with admin/admin credentials* The “air-gapped” power plant where an engineer plugged his BlackBerry in to charge* How Shodan and friends revealed dams and power facilities publicly accessible* The founding of Lastwall: “Hackers will be everywhere. We've got to do something.”From Behavioral Biometrics to Quantum Resilience (19:11)* Why 85% of hacks still use valid stolen credentials, the same as the 1990s* Early experiments with keyboard dynamics, mouse movements, and cognitive biometrics* Tracking Peter Shor's algorithm since university and the IBM factorization of 15 in 2001* The 2017 to 2018 decision to embed quantum resiliency natively into LastwallSelling to the Pentagon: DIU and the “Hard Mode First” Strategy (26:07)* Landing the first major deployment with the U.S. Department of Defense Innovation Unit* How DIU pioneered procurement that matches innovation cycles, months instead of years* The advice from Carbon Black founders: build the regulated stack first* Why defense tech used to shut VC doors and how times have changedFedRAMP, Canada, and the Case for Harmonization (33:25)* FedRAMP as the gold standard: do compliance once, reuse everywhere* The Canadian challenge: every agency doing its own security review* Why Canada should base its program on NIST 800 and harmonize with the U.S.* The reality of the integrated North American power grid and shared defenseAI Agents and the Blast Radius of Credential Theft (37:44)* Why 50 to 100 agents per human in 2 to 3 years will magnify damage exponentially* The OpenClaw lesson: agents do what agents do, not what you expect* The “YOLO” approach to AI deployment and why enterprises aren't calling enough* Advice for founders: sandbox first, don't connect your whole drive, go slowlyThe $60M Series A Extension and the Path Forward (43:13)* Raising BDC Capital's Strong North Fund led by Major General (Ret.) Peter Dawe* The milestone of FedRAMP certification and opening the floodgates to U.S. agencies* Deploying in disconnected environments: field containers for critical infrastructure* Why defense is ultimately about protecting the economyAbout Karl HolmqvistKarl Holmqvist is co-founder and CEO of Lastwall, an identity-as-a-service platform built on Zero Trust principles and public key infrastructure, hardened with post-quantum cryptographic resilience. Lastwall serves the U.S. Department of Defense and a growing number of civilian government agencies and critical infrastructure operators. Karl has been a cybersecurity enthusiast since the 1990s, with a background spanning telecommunications infrastructure (including building one of Canada's first high-speed mobile data networks), renewable energy infrastructure across the Middle East, North Africa, and Southern Europe, and international investing. He studied at Mount Allison University and is based in Vancouver, BC.Connect with Karl Holmqvist on LinkedIn: https://www.linkedin.com/in/karlholmqvist/Visit Lastwall's website: https://www.lastwall.com/Connect with Matt Cohen on LinkedIn: https://ca.linkedin.com/in/matt-cohen1Visit the Ripple Ventures website: https://www.rippleventures.com/ This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit tanktalks.substack.com

We have a thieving USPS rebate lover and camping in the left lane in the Ill-Advised News. We hear Anthony Moo the hits, discuss the idea of paid leave for GTA 6, and hear how Cass is stubborn AF. We play What The Flick, have a double dose of Ill, and get hungry discussing the most mouthwatering fictional foods. Support the show and follow us here Twitter, Insta, Apple, Amazon, Spotify and the Edge! See omnystudio.com/listener for privacy information.

Canada's venture capital market is showing signs of life, but the recovery comes with a catch: more money is flowing into fewer companies. Matt Cohen and John Ruffolo unpack what that means for Canadian founders, why promising tech companies keep getting acquired before they reach scale, and whether Canada is at risk of becoming the world's R&D shop instead of building lasting global champions.They also dig into Canada's $2.3 billion Telesat sovereignty bet, the growing backlash against AI data centers over energy and water use, and Mark Zuckerberg's push for a more decentralized AI future. John agrees with parts of Zuckerberg's argument, but questions whether the Meta founder is really the right person to lecture the world about distributing power.Finally, Matt and John break down Ontario Teachers' massive SpaceX win and what it could mean for how Canadian pension funds think about venture capital. If you want a sharper read on where Canadian tech, AI infrastructure, venture capital, and economic sovereignty are heading next, this episode is a must-listen.–A big thanks to our sponsor, Moomoo CanadaThis is the kind of tooling that used to live on a Bloomberg terminal, but now it is on your phone, just a few taps away. They offer real-time data, full options chains, and an AI assistant that actually explains trading strategies.Moomoo is the perfect place for people who want to take their money seriously. Open an account today at moomoo.caCanada's VC Rebound Comes With a Catch (01:53)Canadian venture funding is rising, but deal volume keeps falling as more capital concentrates around a smaller group of companies.John explains why this “flight to quality” could create huge winners while making life much harder for strong startups outside the hottest deals.Canada's $2.3B Sovereignty Bet (06:15)Canada's major investment in Telesat and secure satellite communications is about much more than competing with Starlink.John argues that defence and other sensitive infrastructure cannot depend entirely on foreign providers, making sovereign technology a strategic necessity.The AI Data Center Backlash Is Getting Political (09:19)AI data centers are running into growing resistance over electricity demand, water use, and the strain they place on local infrastructure.John believes the issue could become much more political in Canada if rising AI demand starts pushing up energy costs for everyday consumers.Zuckerberg Wants to Decentralize AI Power. Really? (14:48)Mark Zuckerberg is pushing a vision of personal superintelligence that puts powerful AI tools into the hands of individuals and small businesses.John agrees with some of the open-source philosophy, but calls out the contradiction of hearing a message about decentralizing power from the founder of Meta.Can One SpaceX Bet Change How Pension Funds Think? (18:55)Ontario Teachers' SpaceX investment shows how a single exceptional venture bet can have a meaningful impact even inside a massive pension portfolio.John explains why pension funds should remain disciplined, but says wins like SpaceX and Shopify prove that venture capital absolutely can move the dial.Connect with John Ruffolo on LinkedIn: https://ca.linkedin.com/in/joruffoloConnect with Matt Cohen on LinkedIn: https://ca.linkedin.com/in/matt-cohen1Visit the Ripple Ventures website: https://www.rippleventures.com/ This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit tanktalks.substack.com

In this episode of Tank Talks, host Matt Cohen sits down with Wayne Pommen, Chief Revenue Officer at Affirm and founder of PayBright, Canada's first e-commerce buy now, pay later platform. Wayne shares his unlikely journey from competitive rowing, including the Oxford-Cambridge Boat Race, to a PhD in international relations, Bain Consulting, and private equity at TorQuest, where a failed deal set him on the path to building a fintech unicorn.Wayne pulls back the curtain on PayBright's early days, from spinning out a tiny 5-person division called HealthSmart Financial Services to pivoting into e-commerce and landing Casper and Endy as launch partners. He offers a practical breakdown of running a successful M&A process, sharing the dos and don'ts that led to Affirm's acquisition of PayBright in 2020.Now a senior executive at a public fintech giant, Wayne reflects on what he's learned from working alongside Max Levchin, why Affirm refuses to charge late fees or deferred interest, and how AI is transforming everything from underwriting to go-to-market. He also shares his views on agentic commerce, the Canadian consumer credit landscape, and why “don't quit” is his favorite life lesson.Whether you're a founder navigating a pivot, an operator scaling through acquisition, or just curious about the future of payments and AI, Wayne Pommen delivers the kind of straight talk that comes from building and scaling one of Canada's most successful fintech stories.–A big thanks to our sponsor, Moomoo CanadaThis is the kind of tooling that used to live on a Bloomberg terminal, but now it is on your phone, just a few taps away. They offer real-time data, full options chains, and an AI assistant that actually explains trading strategies.Moomoo is the perfect place for people who want to take their money seriously. Open an account today at moomoo.caFrom Cambridge to Bain to Private Equity (03:10)* The Oxford-Cambridge Boat Race, a broken wrist, and a comeback story* Why he chose Bain over academia and how consulting shaped his career* Joining TorQuest and zeroing in on non-bank financial servicesFinding the Kernel: HealthSmart Financial Services (05:18)* The summer of 2013, losing a deal but falling in love with the point-of-sale lending model* Why banks ignored this niche and how technology was changing the game* Spinning out a tiny five-person division with no CEOThe Pivot to E-Commerce (10:14)* Doubling the health business in 2016 and realizing it would take forever* The epiphany: Canada had no point-of-sale financing for e-commerce* Mapping out the user experience over Christmas 2016 and pre-selling Casper and EndyBuilding PayBright: Scrappy, Fast, and Capital Efficient (15:00)* Running a “double-headed monster,” healthcare and e-commerce side by side* Advice for founders navigating platform shifts, from legacy platforms to AI-native products* The economics of buy now, pay later, merchant fees, interest rates, and cost of riskThe Affirm Acquisition (21:02)* Growing annual loan volume from $6 million to $220 million in five years* The COVID boom and inbound interest from Klarna, RBC, TD, and Affirm* Running a mini process, dos and don'ts for foundersStaying On: Becoming CRO at Affirm (27:34)* Why he stayed past the earnout and has now been there for more than three years* Lessons from Max Levchin and the “dog on a bone” approach to going deeper* How to stay focused across multiple products and jurisdictionsAgentic Commerce and the Future of Shopping (33:09)* What agentic commerce really means and what it doesn't* Why agents will read the fine print and guide consumers to better choices* The partnerships with Google, Stripe, and ShopifyBanning Deferred Interest and Late Fees (36:04)* Why deferred interest is “borderline abusive” and hard to defend* Affirm's no-late-fee, no-compounding, transaction-level underwriting model* Aligning lender and consumer interests, the Max Levchin insightFrom Private to Public: Lessons in Discipline (40:32)* How being public forces discipline without over-dictating the quarter* Advice for CROs on timing the public markets* Why Stripe staying private proves there's no one-size-fits-all pathAI at Affirm: Supercharging Revenue and Underwriting (44:11)* The proliferation of AI tools internally and the excitement of experimentation* How transformer-based models are improving underwriting* The future of work, querying Slack for tribal knowledge in secondsAbout Wayne PommenWayne Pommen is Chief Revenue Officer at Affirm, where he oversees the company's revenue-generating teams and products. He joined Affirm in January 2021 through its acquisition of PayBright, Canada's leading buy now, pay later provider, which he founded and led as President and CEO starting in 2015, growing it from 5 to 250 employees with retail partners including Apple, Hudson's Bay, Wayfair, Samsung, and Sephora. Before PayBright, Wayne was a Principal at TorQuest Partners and a consultant at Bain & Company. A former competitive rower for Canada's national team, he holds a degree from Harvard and a PhD from Cambridge.Connect with Wayne Pommen on LinkedIn: https://www.linkedin.com/in/wayne-pommen-8844021/Visit Affirm's website: https://www.affirm.com/Connect with Matt Cohen on LinkedIn: https://ca.linkedin.com/in/matt-cohen1Visit the Ripple Ventures website: https://www.rippleventures.com/ This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit tanktalks.substack.com

On this episode, we'll be covering the Season 11 Episodes 8-9 of Love After Lockup, on this episode, we meet Charlie (aka Hollywood Red), who seems to be hiding behind a persona, Felicia gets to Houston and finds out why Rich has been out of touch, Michael and Kayleigh try to make things right, Cyrus tries to convince Dia's mom that he's not another Jaden, Keirsten inserts herself directly into Brady and Kore's parenting issues, and Moo Moo finally brings together Bonita and GG. If you like what you hear, please give us a five star rating and leave a review. If you/ also watch 90 Day Fiance, you should check out our other podcast feed. You can reach us on Instagram (@90DayMmkay) or shoot us an email at 90DayMmkay@gmail.com

(00:00-10:15) EMOTD(10:23-28:54) More Kate Bush for your ear holes. Is that Peter Gabriel? The Bone Collector. The Athletic has announced whether your school is a football or basketball school. Dennis Gates singing 'Take Me Out To The Ballgame' at Wrigley last night. Doug still doesn't get it. Taylor Momsen. People get banty during the 10:00 hour. Thunderlips. It's all fake, meatball.(29:04-41:37) And the winner of the EMOTD is...See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Are you 40, feeling behind, and wondering if it's too late to start over financially? It's not. Here's exactly what I would do — step by step.In this video, I'm breaking down the real plan I would follow if I was 40 years old starting from zero in 2026. No theory. No fluff. Just a honest, step-by-step system built for the person who feels like life got ahead of them — but refuses to stay there.Here's what we cover:✅ Why the math is NOT against you at 40✅ Step 1 — Stop the financial bleeding (write it ALL down)✅ Step 2 — Build your $2,500 emergency buffer FAST✅ Step 3 — Attack every single debt with everything you have✅ Step 4 — Build your full 3–6 month emergency fund✅ Step 5 — Invest 15% like your future depends on it (because it does)✅ Why starting at 40 is actually an advantage✅ The story of Denise — 43 years old, $47K in debt, two kids, and what happened 14 months later✅ What your kids are really watching when you stay idle✅ How to break a generational cycle — starting this weekThis is not about getting rich. This is about getting FREE.

On this episode, we'll be covering the Season 11 Episode 6 of Love After Lockup, on this episode, Rich runs away from Felicia, Dia and Cyrus meet each other's family, Keirsten and Brady play with the kids, Michael finds out Kayleigh has not been paying the bills, and Moo Moo has both his ladies annoyed at his ghosting. If you like what you hear, please give us a five star rating and leave a review. If you/ also watch 90 Day Fiance, you should check out our other podcast feed. You can reach us on Instagram (@90DayMmkay) or shoot us an email at 90DayMmkay@gmail.com

On this episode, we'll be covering the Season 11 Episode 5 of Love After Lockup, on this episode, Haley physically separates Rich and Felicia, Dia and Cyrus get one night in the hot tub, Karrington finds out what Zay needed that $300 for really, and Moo Moo keeps getting closer to getting found out. If you like what you hear, please give us a five star rating and leave a review. If you/ also watch 90 Day Fiance, you should check out our other podcast feed. You can reach us on Instagram (@90DayMmkay) or shoot us an email at 90DayMmkay@gmail.com

On this episode, we'll be covering the Season 11 Episodes 4 of Love After Lockup, on these episodes, Karrington doesn't want to send Zay money, Dia was possibly catfished by her prison "husband" Cyrus, Keirsten and Brady are running 3 hours late, Michael and Kaliegh have mama drama, Moo Moo can't stop focusing on his shoes when he's lying to Bonita about his release.  If you like what you hear, please give us a five star rating and leave a review. If you/ also watch 90 Day Fiance, you should check out our other podcast feed. You can reach us on Instagram (@90DayMmkay) or shoot us an email at 90DayMmkay@gmail.com

Six stories today — NIO leads and the China EV globalexpansion story is the one your portfolio needs to hear.NIO Champion Edition deliveries start Saturday June 20th— ET5, ET5 Touring, and EC6 all launching simultaneously.Starting at 313,000 yuan, better equipped and cheaper thanlast year's versions. The 5566 lineup has been struggling —down 56.3% year over year in May — and the Champion Editionsare NIO's answer. William Li said making EV models lightertakes courage. In May pure EVs outsold combustion cars inChina for the first time ever. He expects 70% NEVpenetration by Q3 2026.Chinese automakers can't enter the US because of 102.5%tariffs. So they're flanking. Geely acquired Ford's factoryin Valencia Spain. BYD is in talks with Stellantis for idleEuropean factories. Xpeng is talking to Volkswagen abouta European plant. BYD's Brazil factory holds 12.8% ofBrazil's auto market, outselling Volkswagen and Fiat.And several Chinese automakers are exploring Mexico asthe route into North America under USMCA preferentialtrade access. China's auto exports are up 61.5% yearover year in the first four months of 2026. The tariffwall didn't stop Chinese EVs. It redirected them.Kevin Warsh held his first Fed press conference andrepeatedly stressed "price stability" as his guidingprinciple. Money markets immediately priced in a ratehike by October. S&P 500 fell 1.2%. Two-year Treasuryyields climbed 16 basis points. The most hawkish Fedsignal since the Iran war started.But the Iran deal signs this Friday in Switzerland.The 14-point memorandum covers a permanent ceasefire,Hormuz reopening, and immediate Iranian oil exportwaivers. Brent crude is already at $79. Oil futuresare pricing $72 by February. When oil falls inflationfollows. When inflation falls rate cuts return. Whenrate cuts return growth stocks re-rate upward.Friday's signing is the real signal for your portfolio.BMW cut its 2026 profit guidance citing China demandweakness that "cannot be compensated" by Europe and USgains. State Farm's new agent contracts face massivebacklash as AI looms over the insurance industry.SpaceX shares are losing post-IPO steam. And the USAWorld Cup opener smashed every US soccer broadcastrecord — the business story behind the headline.

In this episode of Tank Talks, Matt Cohen sits down with Michael Arbus, CEO of moomoo Canada, for a wide-ranging conversation on Wall Street trading floors, Canadian fintech, crypto regulation, AI-powered investing, and what it really takes to build and scale financial technology companies. Michael's career has taken him from the chaos of Bay Street and Wall Street desks at firms like RBC Capital Markets, TD, UBS, and Merrill Lynch to operating industrial businesses, helping scale Bitbuy into a regulated Canadian crypto marketplace, and now leading moomoo Canada as it pushes into self-directed retail trading, AI tools, options education, and investor communities.Michael shares the lessons he learned from covering major hedge funds, why one trade during the financial crisis made him rethink his role as an advisor, how spreadsheet-driven decision-making helped him turn around operating businesses, and why retail investors in Canada are ready for better tools than the legacy banking platforms have historically offered. They also dive into moomoo's AI-native product strategy, agentic investing, algorithmic trading in natural language, Canada's loyalty to big banks, the rise of retail options trading, and the founder advice Michael wishes more entrepreneurs would hear before wasting years on a business that cannot support them.Whether you're a fintech founder, startup operator, retail investor, trader, or Canadian tech ecosystem builder, this episode is packed with sharp, practical insights on the future of investing, AI, and financial platforms.From Trading Floor Chaos to Wall Street Scar Tissue (03:30)Michael describes life on massive institutional trading floors as a “casino with pumped oxygen and insanity.” The early mornings, morning meetings, nonstop client calls, and constant pressure to be relevant. Why the trading desk taught him how to process information quickly and turn noise into action.Investing in Businesses vs. Investing in Stocks (12:12)Matt and Michael break down the difference between knowing a ticker and understanding the actual company underneath it. Why some good businesses can be bad stocks, and some bad businesses can still become great trades.Scaling Bitbuy and Learning the Reality of Regulation (22:33)Michael shares how he joined Bitbuy when the business was growing but still needed operational structure. The shift from institutional finance to B2C financial services. Why serving retail customers creates a much deeper sense of accountability, especially when people are trusting a platform with their hard-earned money.What moomoo Actually Is and Why Canada Matters (27:41)Michael explains moomoo's global footprint across markets like Hong Kong, Singapore, Australia, the U.S., and Canada. The scale of Futu Holdings, the role of product and R&D, and why joining a 4,000-person global fintech machine was very different from building Bitbuy from a smaller startup team.Canada's Loyalty Problem With Big Banks (29:44)Why Canadian retail investors are deeply loyal to legacy banking brands. Michael explains how trust, safety, and brand recognition are baked into Canadian financial behavior, and why moomoo believes a regulated challenger brand can win by offering a product Canadian investors have not seen before.AI Trading Inside the moomoo App (35:55)How moomoo became one of Canada's first AI brokerage platforms. Why its AI tools are different from generic public LLMs because they are connected to paid, live market data behind the platform's firewall. How this changes the quality of answers retail investors can access.Can moomoo Challenge Canada's Banking Giants? (41:24)Michael explains who moomoo is built for and who it is not built for. Why the next generation of investors may care more about control, education, and outperformance than branch loyalty. How AI, job market uncertainty, and personal financial pressure could make self-directed investing more important.Canada's Top Trader and the Nasdaq Partnership (43:20)Michael shares moomoo Canada's trading competition, including real prize money, a $100,000 top prize, and partnership with Nasdaq. Why the initiative is designed to bring retail investors into the market in a more systematic, educated way.Can Your Startup Actually Pay for Your Life? (47:42)Michael explains why founders need to calculate their personal take-home pay before committing years to a venture. The danger of getting caught in a self-fulfilling story that feels exciting but cannot support the builder behind it.The Leadership Lesson That Still Matters Most (51:32)Michael closes with a simple but powerful lesson: kindness goes a long way. After scaling multiple teams from small groups to dozens or more than 100 people, he explains why intelligence is common, but kindness is what compounds in leadership, hiring, and company building.About Michael ArbusMichael Arbus is the CEO of moomoo Canada, a global self-directed investing and trading platform under Futu Holdings focused on retail investors, trading tools, market data, options education, and AI-powered investing experiences. Before joining moomoo, Michael built a diverse career across institutional finance, entrepreneurship, industrial operations, crypto, and fintech. He spent years on Bay Street and Wall Street trading desks at firms including RBC Capital Markets, TD, UBS, and Merrill Lynch, working with global hedge funds and covering M&A event-driven situations, mining, and energy stocks. He later moved into operating businesses, including oil, scrap metal, industrial recycling, and crypto mining, before helping scale Bitbuy into one of Canada's leading regulated crypto marketplaces. Today, Michael is focused on expanding moomoo Canada, bringing institutional-grade tools to retail traders, and helping Canadian investors understand the future of AI, options trading, and self-directed financial platforms.Connect with Michael Arbus on LinkedIn: https://www.linkedin.com/in/michael-arbus-cfa-mba-299a49/Visit the moomoo Canada website: https://www.moomoo.com/caConnect with Matt Cohen on LinkedIn: https://ca.linkedin.com/in/matt-cohen1Visit the Ripple Ventures website: https://www.rippleventures.com/ This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit tanktalks.substack.com

Five stories today — one of the most stacked news daysof the year.SpaceX confirmed Tuesday it is acquiring Cursor —the AI coding tool developed by Anysphere — for $60billion in an all-stock deal closing Q3 2026. Cursorgenerates $2.6 billion in annualized B2B revenue andis used by Fortune 500 developers globally. SpaceX'sstock gained 16% on Tuesday, surpassing Amazon inmarket cap. Elon Musk now controls SpaceX, xAI, Grok,Tesla, X, and the world's most used AI coding tool.SpaceX has also signed $26 billion per year in computedeals with Anthropic and Google combined.NIO Day 2026 preparations just started — advisorygroup applications are open now with a June 18 deadline.Deutsche Bank expects NIO's Q2 non-GAAP net profit toreach approximately 180 million yuan — a secondconsecutive profitable quarter driven by high-marginES8 and ES9 SUV performance. NIO AGM is June 24th.Deloitte surveyed 3,235 business and IT leaders across24 countries: 74% want AI to grow revenue, only 20%have seen it happen — a 54-point gap between ambitionand reality. 80-85% of enterprises miss their AI budgetforecasts by more than 25%. Uber blew its entire 2026AI coding budget by April. One company racked up a$500 million Claude bill from forgetting to set usagelimits. The era of AI accountability has started.Yum Brands is selling Pizza Hut for $2.7 billion.Brand recognition without innovation is nostalgia witha price tag. BlackRock is laying off for the third timein 18 months as AI replaces financial services rolesfaster than anyone predicted publicly.The US confirmed it will lift Iran oil sanctions themoment the accord is formally signed. Accord signed.Sanctions lifted. Iranian oil returns. Oil drops.Inflation eases. Rate cuts return. Growth stocksre-rate upward. Watch for the signature.

On this episode, we'll be covering the Season 11 Episodes 2-3 of Love After Lockup, on these episodes, Karrington talks to back up plan London, we meet chaos agent Dia who keeps going after young guys in prison, Rich makes a terrible first impression with Felicia's family, Moo Moo successfully pulls off his first release day, Keirsten gets Brady out and gives him a real ring, and Michael finds out generally how much of his credit Kaleigh is using up. If you like what you hear, please give us a five star rating and leave a review. If you/ also watch 90 Day Fiance, you should check out our other podcast feed. You can reach us on Instagram (@90DayMmkay) or shoot us an email at 90DayMmkay@gmail.com

Four stories today — all connected to your NIO positionand the broader Chinese EV investment thesis.William Li spoke at the China Auto Chongqing Summit onJune 13th and said something most CEOs would never saypublicly. China's domestic auto retail sales declined19.5% year over year in the first five months of 2026.Early June accelerated to down 22%. The full year couldfall 15-20%. He called this the most brutal competitiveenvironment he's faced since entering the industry.Then he reaffirmed NIO will grow 40-50% this year anyway.That's not a contradiction. China's passenger vehicleownership has reached 370 million units — the market hasshifted from growth to replacement demand. Saturatedmarkets reward brands with real differentiation andpunish brands that competed on price alone. NIO spent68.8 billion yuan on R&D and 20 billion yuan on chargingand battery swap infrastructure. The ES8 is number onelarge SUV in China for six consecutive months. The ES9has a 17-week queue. The Firefly outsells Mini and Smartcombined. NIO designed itself for this exact moment.From the Chinese internet — are American automakersisolating themselves from the world? Chinese EVs face102.5% tariffs in the US but are winning Canada, Europe,Southeast Asia, and the Middle East simultaneously.China and Canada just agreed to allow 49,000 Chinesevehicles in at reduced tariffs. The US consumer is beingpriced out of the world's most competitively priced EVs.The security arguments are real — but so is the marketoutcome. US auto faces higher costs and fewer globalopportunities while Chinese brands expand everywhere else.The Pentagon added NIO to its Chinese military companieslist on June 9th. NIO called it unjustified and threatenedlegal action. This is not a sanctions list and does notrestrict trading of NIO securities. Some institutionalmandates force selling — that's real but finite pressure.18 analysts have buy ratings. The average price targetimplies 27% upside. NIO's AGM is June 24th — nine daysfrom now. That's the meeting that actually matters.China's NEV penetration rate hit 62.9% in May. Purebattery electric vehicles were 42.2% of all new car sales.William Li said the transition is irreversible. Six outof ten new cars sold in China are electric or hybrid.That's not a trend anymore. That's a completed transition.NIO is built for the world that already exists.

Four stories today — starting with the controversydominating Chinese automotive social media right now.Li Auto posted a chassis comparison video on theirofficial platform comparing the Li L9 Livis to theNIO ES9. The video was designed to make the ES9 lookinferior. NIO's VP of Branding Ma Lin went public onWeibo and challenged the video's authenticity — statingthat what it showed was physically impossible given theES9's suspension specifications. Li Auto deleted thevideo without responding. This is not the first time.The pattern is a company under sales pressure reachingfor competitive tactics that keep backfiring. Li Auto'syear-over-year sales have been falling for most of thepast 12 months. A company that is winning doesn't needto manufacture evidence against a competitor.NIO president Qin Lihong confirmed the All-New ES8 willcomplete its 120,000th delivery in June. At the same timethe ES9 hits its 10,000th delivery — in its very firstfull month of production. Two milestones. Same month.The barbell is working. NIO June total deliveries areexpected to top 40,000 units.My Discord raised the honest bear case questions thisweek. NIO is running on a few demand engines. If thoseslow down without new ones behind them Q3 and Q4 getscomplicated. The R&D restructuring concern — subsidiariesabsorbing innovation spend off the consolidated books —is a real question. Is profitability being achieved byweakening the long-term innovation engine? I don't wantthat trade. NIO's approach is more conservative thanXpeng's physical AI moonshot. Conservative can be right.Conservative can also mean getting outflanked. The juryis still out and these questions deserve honest answers.NIO fell 5.8% on the week because the May jobs reportdoubled consensus at 172,000 added. The 10-year yieldspiked to 4.54%. "Good news is bad news" — strong jobsmeans the Fed doesn't cut. Kevin Warsh walks into a ratehike environment nobody expected. This is a macro storynot a NIO thesis story. Watch oil. Watch the Iran deal.That's your real signal.

Four stories today — starting with the luxury carconversation that connects directly to your NIO thesis.Rolls-Royce unveiled the new Spectre electric car andthe Chinese internet destroyed it immediately — tooconservative, no technology story, just an expensivecar with a plug. A Chinese financial analysis summed itup: domestic luxury brands still have a lot to learnabout what luxury means in 2026. Ferrari got the sametreatment with the Luce last week but the follow-upanalysis argues Ferrari prepared for it and doesn't care— their target is the tech nouveau riche globally,not Chinese internet approval.Here's the nuance everyone is missing. The NIO buyeris neither of these people. Ferrari and Rolls-Roycebuyers have exorbitant disposable income — these aretoys, discretionary purchases alongside yachts andprivate jets. The NIO ES9 buyer at 498,000 yuan is awealthy professional making a serious primary vehicledecision. That market is enormous. Ferrari's isdeliberately tiny. Western luxury brands strugglingto connect with Chinese consumers is a gift to NIO —which has spent 8 years studying exactly what theChinese affluent professional buyer wants.Bloomberg published "How the Iran War Is BoostingClean Energy in Asia and Europe" today — the samethesis this channel has been making since February.The energy price shock from Hormuz is acceleratingEV adoption globally. Chinese companies supply thealternatives. NIO exports are already reflecting it.Broadcom reported earnings and missed — stock plungeddouble digits. CrowdStrike also dropped sharply. TheNasdaq fell 0.76% while the Dow gained over 1% asinvestors rotated out of chip stocks. First realcrack in the AI chip trade. Speed bump not collapse —the underlying AI infrastructure spending is realand continues regardless of any single earnings miss.The House passed a war powers resolution limitingTrump on Iran — he called it meaningless. Israel andLebanon agreed to a ceasefire today — oil and yieldsslipped. The direction is toward resolution. Jobsreport Friday morning sets the tone for June.

Four stories today — all connected to the biggest monthin NIO's history.NIO has burned approximately 100 billion yuan — $14.6billion — over 8 years since William Li founded the companyin 2014. June is the verdict month. NIO delivered 67,061vehicles in April and May combined. To hit Q2 guidance of110,000-115,000 vehicles it needs 42,939 to 47,939 in Junealone. The ES9 is in its first full production month withover 50,000 pre-orders. Onvo L60 deliveries begin June 11.Gen 5 swap stations arrive mid to late June. NIO's shortinterest just hit a 32-month low — the bears are leaving.The setup has never been better.A major Chinese analysis this week asks why Chinese carsare getting bigger. The answer: margin pressure is forcingevery automaker upmarket into flagship territory whereprofits still exist. But the article makes a critical point —most brands launching flagships above 400,000 yuan arebystanders. Only brands with years of authentic premiuminvestment can actually convert those buyers. NIO has spent8 years building that identity. Most competitors have not.Lotus — the iconic British sports car brand owned by Geely —just walked back 8 years of all-electric commitment andis reintroducing hybrid powertrains. Pure EV was correctas a direction. But for a performance brand whose customerstrack their cars, range anxiety and charging limitationsmade the all-electric bet commercially unworkable. TheChinese internet put it perfectly: "Going fully electricwas correct. Retreating from fully electric is rational."NIO's battery swap network was built specifically to solvethe problem that just forced Lotus to retreat.Trump confirmed in a Wednesday interview that Iran hasalready agreed not to pursue nuclear weapons — and thatthe Strait of Hormuz could reopen as soon as this month.That triggers a sequence: oil drops, inflation falls,rate cut expectations return, growth stocks re-rate upward.Watch oil tonight. Watch Treasury yields. June could behistoric for your portfolio in more ways than one.

The Shake-Up at Moomoo & Tiger Brokers Explained. On May 22, Beijing dropped the hammer on Futu/Moomoo, Tiger Brokers, and Longbridge. Billions in value evaporated. A strict two-year countdown to liquidation has begun. No more new purchases. Only sell and withdraw for all Chinese investors.In this exclusive deep-dive event, we look past the headlines and emotion to examine the pure mechanics:How the trauma of the 1997 Asian Financial Crisis that forged China's unshakable philosophy of capital control.The massive 24-month unwinding of capital and how we must know when investing in China-Related investment.This is a case study in behavioral finance and macroeconomic truth-seeking.Stop reacting to the news and learn to anticipate the shifts. Disclaimer:Please note I may hold position on the stocks discussed in this episode. The podcast is created by me in a personal capacity and does not represent any views from my employer. This podcast is not investment advice, and is intended for informational and entertainment purposes only. You should do your own research and make your own independent decisions when considering any financial transactions.

Quick correction upfront — yesterday's story aboutWilliam Li preparing an 8th IPO came from a Chinesearticle headline I could not fully verify. I'm pullingit back until confirmed. Credibility first always.The ES9 launched May 27th and already has a 17-weekdelivery queue. NIO stock surged 6.79% on June 1st andis trading at $6.18. The demand is real. But a seriousquestion is being asked — the ES8 sold 110,000 unitsin 8 months. Can the ES9 replicate that in a marketwhere product half-lives keep shrinking?The honest bull case: the ES9 at 498,000 yuan targetsa different buyer than the ES8 at 406,800 yuan. If NIOopened a new segment rather than cannibalizing anexisting one, the ES9 has its own ceiling to find.The honest bear case: the 17-week queue reflectsinitial pent-up pre-order demand. The real test isAugust and September when that normalizes. Huawei,Aito, Zeekr, and Yangwang are all competing for thesame buyer above 400,000 yuan.The S&P 500 crossed 7,600 for the first time today.HPE surged 30% on its biggest earnings beat since 2018.Alphabet announced plans to raise $80 billion fromstock sales dedicated to AI infrastructure. The AItrade keeps running regardless of macro headwinds.SpaceX's IPO roadshow is live this week. The companytargets $1.8 trillion. Morningstar values it at $780billion. The gap is Elon Musk's broader vision — xAI,X, Starship — versus just the proven rocket andStarlink business. Watch the order book when it opens.Florida's Attorney General sued OpenAI and is seekingto hold Sam Altman personally liable for alleged harms.First major state-level action targeting an AI CEOindividually. If it gains traction every AI company'srisk calculus changes permanently.

On this episode, we'll be covering the Season 11 Episode 1 of Love After Lockup, on this episode, we have a Ferrari-like spinoff with Kami, Nita and Trent, we meet a couple of new folks - Keirsten, who seems to be speeding past many red flags, and Karrington, who is having trouble with teenagers laughing at her. We also get back with some retreads, like Rich who is overwhelmed by Felicia's family, and Moo Moo, who is still trying to make his own throuple thing happen.  If you like what you hear, please give us a five star rating and leave a review. If you/ also watch 90 Day Fiance, you should check out our other podcast feed. You can reach us on Instagram (@90DayMmkay) or shoot us an email at 90DayMmkay@gmail.com

Four stories to close out May — starting with the mostunderrated bull case in the NIO thesis right now.NIO's battery swap network delivered 16% of all EV chargingenergy in China over a five-day period. Not 16% of NIOvehicle energy. 16% of ALL electric vehicle charging energyacross the entire Chinese market. From one company'sinfrastructure. In five days. The market is pricing NIOas a car company. The swap network is becoming an energyinfrastructure business — a recurring revenue platformwith a flywheel that gets stronger with every vehicle sold.Gen 5 swap stations arrive mid to late June, unifiedacross all three NIO brands for the first time. The numberthat is already 16% goes higher.Software stocks closed May as their best month since 2001.The SaaSpocalypse — the fear that AI would destroy SaaS —didn't happen. Dell surged 33%. Snowflake 36.5%.AI is making software more valuable not less — selectingfor the companies that use AI as a feature rather thanrunning from it as a threat.SpaceX trimmed its self-assessed valuation to $1.8 trillionand is still on track for the largest IPO in world history.MiniMax — the Chinese AI company recently compared toDeepSeek — is pursuing a China listing. SoftBank announcedplans to invest up to €75 billion in French AI data centers.The AI infrastructure arms race is now a global story.The US and Iran are "mostly agreed" on a 60-day memorandumof understanding — ceasefire extended, Hormuz reopens,nuclear talks begin. The deal still needs Trump's signature.Oil closed May at $92.56 — down nearly 19% for the month —worst monthly performance since COVID. Watch Monday morning.If the deal gets signed the market opens at a new recordand everything that's been held back by the macro overhangsince February starts to move.

Four stories today — starting with the most importantweek in NIO's 2026 delivery story so far.NIO delivered 37,705 vehicles in May 2026 — up 62.3%year over year and up 28.4% from April's 29,356.Three brands all firing: 20,013 NIO brand, 12,029 Onvo,5,663 Firefly. Year-to-date deliveries hit 150,526 —up 68.7% year over year. Cumulative deliveries reached1,148,118. The ES8 has been the number one sellingvehicle above 400,000 yuan for five consecutive months.The ES9 has over 50,000 pre-orders — with deliveriesonly starting May 28th. June is when the ES9 volumereally arrives.William Li is reportedly preparing to take Mirattery —NIO's battery asset operator — public as his eighth IPO.Mirattery owns the batteries in NIO's 3,846 swap stations.It recently closed a Series C total of nearly 2 billionyuan with state-backed institutional investors. A MiratteryIPO gives the battery swap infrastructure its own publicvaluation — separate from NIO's stock price. NIOshareholders already own a piece of that business.The market hasn't priced it in yet.The May Chinese EV delivery rankings reshuffled.Leapmotor delivered 81,569 units — record high for thesecond consecutive month. Zeekr delivered 34,377 unitsup 81.81% year over year. Huawei HIMA delivered 46,122.Xiaomi exceeded 30,000 for the month. BYD delivered376,990 — ending its 8-month year-over-year declinestreak. The market is forming a barbell — premium brandsand value brands winning, the middle getting squeezed.NIO is firmly on the premium side of that barbell.The Iran 60-day MOU is still waiting for Trump'ssignature. Hormuz remains largely closed. Oil at $92.56.June brings Gen 5 swap stations, Onvo L60 launch, andES9 volume ramping. The setup for Q3 is building now.

Four stories today — all connected to the future ofthe Chinese EV market and your portfolio.BYD unveiled the Xuanji A3 — China's first mass-producedautomotive-grade 4nm smart driving chip. 2,100 TOPS ofcomputing power in a three-chip configuration. Built forL3 and L4 autonomous driving. Already in mass production.But the real story is the 24-year infrastructure behind it.BYD set up its chip division in 2002 — before the iPhone.7,000 chip engineers. 5 wafer fabrication facilities.Over 2,000 chip products across 13 categories. Chipssupplying 46 other automotive brands. BYD is the onlyautomaker on earth with full-process chip manufacturingcapability — from architecture design through wafermanufacturing to testing. Wang Chuanfu said it directly:"The second half of intelligentization is all about chips."Xpeng reported Q1 with revenue down 17.6% year over yearwhile R&D jumped nearly 50% in the opposite direction.That scissors gap swallowed every positive effect fromimproved margins. Xpeng has 42 billion yuan in cash burningat over 5 billion per quarter — chasing Robotaxi, humanoidrobots, a flying car, and the Turing chip licensing business.He Xiaopeng is betting that 2026-2028 are the three mostcritical years for physical AI and that bleeding now meansdominating later. High risk. High ceiling.A suspected mine was reported in the Strait of Hormuzby Omani authorities this morning. A ceasefire frameworksits waiting for final signatures — 60-day extension,Hormuz reopens, nuclear talks begin. Oil is down 20%from 2026 highs — worst monthly performance since COVID.Watch Treasury yields Sunday night. Watch oil Monday morning.Those two numbers tell you what the market believes.Audi started pre-sales for the China-specific E7X — anddropped the four-ring logo entirely, replacing it withjust the letters AUDI. Co-developed with SAIC. Startingat 289,800 yuan. When a brand that competed directly withNIO's target customer strips its most recognizable identityto survive in China — that's the most bullish NIO datapoint of the week.

Dell Technologies just had its best single session in companyhistory — up 33% after beating earnings and raising full-yearguidance. AI server demand is flooding Dell's infrastructuredivision. Snowflake surged 36.5%. Best Buy up 15.8%.And today I want to have the honest conversation this channelhas needed to have.I am a news guy first. I found the NIO story because it wasone of the most compelling business stories of the decade —a Chinese EV company surviving bankruptcy, rebuilding fromnothing, competing against the world's most advanced automakers— and almost nobody in the English-speaking world was tellingit properly. I opened that window. That's still what thischannel is.But I own Dell. And today was a very good day.The NIO vs Dell comparison isn't a competition — it's aportfolio conversation. A concentrated bet on NIO missesthe AI infrastructure wave. A concentrated bet on Dellmisses the Chinese EV expansion story. The mistake thiscommunity sometimes makes is treating NIO as an identityrather than an investment.You're not a NIO person. You're an investor who has NIOin your portfolio. Those are different things.Bloomberg confirmed a tentative US-Iran deal is beingdiscussed. S&P 500 closed at 7,580 — a new all time record.The Dow crossed 51,000 for the first time in history.Oil slipped on the deal optimism. If this holds — everymacro headwind that's been weighing on growth stocks sinceFebruary starts to reverse. Rate cut expectations return.And the stocks held back by the overhang — including NIO —get re-rated upward.NIO launched its fifth Q2 product today — Onvo L60 pre-saleskicked off at the Shenzhen Auto Show. Official launch June 11.I'm a news guy. I document stories. The Chinese EV storyis one of the most important business stories of the decade.But I own Dell too.

Welcome back. A lot happened. Let's get into it.NIO ES9 deliveries kicked off yesterday — one day early.NIO hired NBA legend Yao Ming as Chief Experience Officer.The stock surged 9.3% in the US and 10.45% in Hong Kong.The higher-priced Executive Signature Edition and HorizonSpecial Edition trims are selling far above managementexpectations — a margin story that flows directly intoQ2 revenue per unit.NIO Q1 2026: Revenue $3.7 billion — up 123% year over year.Deliveries 83,465 — up 98.3%. Vehicle margin 18.8% — fourthconsecutive quarterly improvement. Net loss narrowed to 332million yuan from 6.75 billion yuan a year ago. Q2 guidance:110,000-115,000 deliveries. Bank of America doubled its stake.Morgan Stanley and Bernstein both upgraded.Xpeng Q1 2026: Revenue $1.89 billion — down 17.6% year overyear. Deliveries 62,682 — down 33.3%. Gross margin 20.6%.Same market. Same quarter. Two completely different storiesabout brand positioning and where each company sits in theChinese EV landscape.Ferrari unveiled the Luce on May 25th — their first fullyelectric production car, designed with Jony Ive, priced at$645,000. Italy's deputy prime minister said it doesn't looklike a Ferrari. The Chinese internet compared it to a NissanLeaf. Ferrari's stock dropped 8% on launch day. China'sluxury EV market — NIO ET9 at 818K yuan, Maextro S800 at1 million yuan — doesn't need Ferrari's validation. It'salready here and already won.PCE inflation hit 3.8% for April — highest in nearly threeyears. And Wall Street is quietly profiting from the samewar it publicly says it wants to end. The financial incentiveskeeping Hormuz closed are enormous. Follow the money.

Four stories today — all connected to what mattersfor your portfolio right now.Tomorrow the Onvo L80 officially launches. NIO's directanswer to Tesla's Model Y — priced below it, with batteryswap included, and Morgan Stanley projecting Onvo reaches30% of NIO group deliveries in Q2 up from 16% in Q1.William Li confirmed deposit flow was already exceedinginternal forecasts before the official launch.ES9 deliveries start May 27th. The L60 facelift haspre-sales coming late May with an official launch in June.That's four major NIO and Onvo product launches in asingle quarter — the most aggressive product calendarin company history.Today NIO pushed the Aster 1.5.0 OTA update to allexisting Firefly owners — a free motor power boost from105kW to 120kW, no hardware changes required. The updatealso prepares Firefly vehicles for NIO's fifth-generationbattery swap stations — the infrastructure that unifiesall three NIO brands on one network for the first time.NIO operates 3,846 swap stations and has delivered over110 million swaps since 2018. William Li guides to4,500-4,600 stations by year end. Gen 5 changes theunit economics of the entire swap business.Trump and Xi Jinping agreed today that the Strait ofHormuz must remain open. That's a joint US-China position— not just American pressure on Iran. China absorbs1.5 million barrels of Iranian oil daily. When Beijingpublicly aligns with Washington on Hormuz staying open,Iran's negotiating position weakens significantly.China also ordered 200 Boeing jets. Jensen Huang metChinese Premier Li Qiang directly in Beijing.And at midnight tonight Drake drops Iceman — 928 dayssince his last solo album, first since the Kendrick Lamarbeef reshaped his public image. The streaming numbersSaturday morning are a referendum on whether hip-hopstill moves the needle commercially — and whetherDrake's cultural dominance survived the feud.NIO earnings May 21st. Xpeng May 28th.---

Six stories today — all connected to your portfolio.The NIO ES8 topped China's large SUV retail rankingsfor the fifth consecutive month — including combustionvehicles. The most premium mainstream NIO product isthe best-selling large SUV in China. That margin mixis what William Li was signaling when he told his teamrevenue growth would outpace delivery growth in Q1.The Onvo L80 launches tomorrow. Starting at 245,800 yuanwith the battery — 17,700 yuan cheaper than Tesla'sModel Y in China. Under BaaS the entry price drops to159,800 yuan. 2,840 liters of total cargo space —largest of any five-seat SUV in China. 900-voltarchitecture. LiDAR version with NIO's Shenji chipor pure vision with Nvidia Orin X. Early order datais tracking slightly better than the L90 at the samepre-sales stage. Onvo targets 3,300 swap stationsby year end.Trump landed in Beijing today with Tim Cook, Elon Musk,and Jensen Huang — who boarded Air Force One in Alaskaat the last minute after Trump called him personally.Topics: trade, Taiwan, Iran, and Nvidia chip exportcontrols. If any movement emerges on chip exportsfrom this summit it moves the entire semiconductorsector and NIO's autonomy roadmap simultaneously.Tesla FSD just crossed 10 billion cumulative miles.Huawei Qiankun hit 10.47 billion kilometers cumulativewith 910 million kilometers in April alone. A Huaweiexecutive declared they will surpass Tesla by October.Tesla is reportedly pushing its full-strength FSD V14to employee vehicles in China for the first time.The biggest autonomous driving battle in Chinesehistory is underway.Chinese industry executives are now calling L3 amarketing grey zone — the liability problem betweenL2 and L4 creates confusion that hurts consumersand exposes manufacturers. NIO's careful marketinglanguage is a competitive advantage in this environment.Xpeng reports Q1 earnings May 28th — one week after NIO.PPI hit 6% year over year. Markets hit all time highs.Cerebras priced its AI chip IPO at $185/share.---

Five stories today — NIO leads everything.ES9 test drives open May 11th — this Sunday.NIO has initiated a 10,000 kilometer (6,200 mile)shortest-time driving challenge alongside the opens.Onvo L80 launches May 15. ES9 deliveries begin May 27on the same day as the official launch — nearlyunheard of in the Chinese EV industry.A leaked image circulating on Chinese social mediasuggests NIO is developing a companion smartphonethat extends across all three of its brands — NIO,Onvo, and Firefly. A NIO phone would integratenatively with the swap network, NIO Pilot, vehiclecontrols, and the Shenji chip ecosystem. This is theecosystem thesis playing out in real time.April EV sales are in. Leapmotor hit 71,387 units —a 73.9% year-over-year increase and a new all-timemonthly record. NIO delivered 29,356 units — up22.8% year-over-year but squeezed out of the 30Kclub by Xiaomi. NIO's cumulative deliveries crossed1.11 million units. The April softness was predicted.May 15th is when the recovery starts.Leapmotor's record comes with a problem. Its newD-series flagship is priced at 250,000-300,000 yuan —moving directly into NIO's territory. The brand thatbuilt its identity on affordability is now trying tosell premium products to buyers who expect premiumbrand experience. NIO spent eleven years building that.Leapmotor is trying to do it with a product launch.Markets hit all-time highs today — S&P 500 at 7,398,Nasdaq at 26,247, six straight winning weeks. Micronsurged 13.7%, Oracle 13.56%, SanDisk 14.27% in onesession. Apple signed a chip-making deal with Intel.And Michael Burry compared the AI trade to the finalmonths of the 1999-2000 dot-com bubble.Watch the semis. Watch the AI infrastructure names.The momentum is real. So is the caution sign.---

Three stories on the last day of April — all connectedto your portfolio.Trump started a war with Iran in February. Oil hit $104.The Strait of Hormuz closed. And Chinese EV exports hit arecord high in March — up 140% year over year according tothe China Passenger Car Association. Solar, batteries, andEVs combined rose 70% in total export value. China's batteryexports alone hit $10 billion in a single month.Diesel is up over 100% in parts of Southeast Asia. Countriesthat depended on Middle Eastern oil don't need governmentincentives to switch to EVs anymore — their fuel bill isthe incentive. Trump started a war that accidentallyaccelerated the global case for Chinese clean energy.NIO's battery asset operator Mirattery issued its secondgreen ABN of 2026 — another 1 billion yuan, bringingcumulative issuance to 4 billion yuan total. The seniortranche carries a coupon rate of just 2.00% — below China's3.00% benchmark lending rate. The issuance was oversubscribed.Rates are trending down. The swap network is now raisinginstitutional capital at premium terms. That's infrastructure,not just a product feature.Big Tech reported last night. Microsoft beat. Amazon beat.Alphabet beat and rose 10%. Meta beat and fell 5% on flatQ2 revenue guidance. Combined AI capital expenditure acrossthe four companies has hit $725 billion for 2026. The marketis no longer rewarding beats — it's demanding proof thatthe spending is generating returns right now. Alphabet showedit. Meta didn't. The scoreboard reflects that.May is NIO's biggest month in company history.ES9 official launch. Onvo L80. Beijing Auto Show public days.---

Six stories from the biggest auto show in history —plus two US macro stories your portfolio needs today.The 2026 Beijing Auto Show opened April 24 as the largestauto show ever staged — 380,000 square meters, 1,451 vehicles,181 world premieres. The secretary-general of the PassengerCar Association called it the only booming top-level autoshow left in the world as Detroit, Frankfurt, and Tokyocontinue to shrink or cancel.Tesla skipped it. Again.NIO brought all three brands — NIO, Onvo, and Firefly —under one roof for the first time. The ES9 made its publicdebut with over 40 industry-first technologies, dual ShenjiNX9031 chips, and SkyRide full active suspension.Official launch late May. Deliveries June 1.The CEOs were the real show. Lei Jun of Xiaomi visitedNIO, Xpeng, Li Auto, and BYD's booths and gave printedT-shirts to Li Bin, Li Xiang, and He Xiaopeng — photoshit every Chinese hot search immediately. Wang Chuanfu —the richest man in China — took the subway to the venueand stood at the BYD booth for six hours straight.Huawei spread across 4,400+ square meters with five brandson one platform — and is creating a brand identity problemnobody has answered yet. Xpeng showcased Level 4 autonomousdriving with the GX model.Back in the US — Big Tech reports this week. Apple,Microsoft, Meta, and Amazon all drop earnings. The Fedmeets Tuesday with a 100% chance of no rate cut as oilstays above $100 and Goldman raised their Q4 Brentforecast to $90 per barrel.---

Five stories today — starting with the one every NIO investor needs to hear right now.A British Virgin Islands holding company called Charge Peak, which owns the patents of bankrupt Israeli startup Better Place, just sent NIO a cease-and-desist letter demanding $250 million — calculated as 2% of NIO's 2025 revenue. They're claiming NIO's battery swap network infringes three European patents.Here's why I'm not worried. This is not a lawsuit — it's a negotiating letter. Better Place went bankrupt in 2013. NIO was founded in 2014 and has been filing its own independent battery swap patents since 2017. NIO responded directly — their technology is "materially different" and developed through years of independent R&D. And the three patents cover European operations only — about 60 of NIO's 4,000 global swap stations.The timing is telling. This letter dropped the day before Beijing Auto Show with NIO stock up 95% in 12 months. That's not coincidence. That's a shakedown. Buy the dip if it comes.On the same day — NIO delivered its 100,000th third-generation ES8 in Beijing. 100,000 units above 300,000 yuan in a market where 56% of dealerships are losing money. William Li didn't pick that timing by accident.Israel and Lebanon extended their ceasefire three weeks after Trump personally joined the White House meeting. Three more weeks of breathing room for markets.Google dropped $750 million to help companies deploy AI faster — the real AI battleground is now implementation, not model building.And a startup called Noscroll launched an AI bot that does your doomscrolling for you. The irony for this channel writes itself.Beijing Auto Show media day is tomorrow. This channel covers everything.---

Diagnosed with DCIS while underinsured and between jobs, Ayanna Wilcher found compassionate biopsy care at The Rose and chose her own path through mastectomy and multiple opinions. Now, she leads survivor work and Rising in Grace, delivering post mastectomy comfort kits and community. Support The Rose HERE. Subscribe to Let’s Talk About Your Breasts on Apple Podcasts, Spotify, iHeart, and wherever you get your podcasts. Key Questions Answered 1. How Ayanna’s life and work shifted in the year leading up to her diagnosis, including job loss and a move back into higher education. 2. How she first felt a lump, what her recent mammogram history was, and which steps her doctor friend urged her to take. 3. What it was like to be underinsured when a biopsy was recommended and how she was referred to The Rose for care. 4. How Ayanna experienced her biopsy at The Rose, including the provider’s communication, pain control, and overall respect. 5. What happened the day she received her cancer diagnosis while traveling, and how she coped emotionally during her conference responsibilities. 6. Why she and her team named the cancer “Beulah” and how humor and mindset helped her face decisions about surgery. 7. How insurance battles over imaging, multiple oncology opinions, and differing chemo recommendations led her to choose a non chemo maintenance path with Texas Oncology. 8. How her husband’s decision to take a lower paying out of state job for health insurance, and her children’s responses, shaped the family’s experience of her cancer. 9. What specific challenges women face after mastectomy, from drains and lack of rest to the cost of pillows, bras, and other comfort items. 10. How Rising in Grace and Ayanna’s work with Angels Surviving Cancer and patient navigation training aim to make post mastectomy life less isolating and more supported. Timestamped Overview 00:00 Introduction, background, and 2026 as a rebuild year02:00 Clean mammogram, new lump, and fast follow up03:30 Job loss, underinsurance, and biopsy denial03:45 Referral to The Rose and compassionate biopsy experience05:00 DCIS diagnosis on a flight and initial shock06:30 Humor, naming “Beulah,” and building a care plan07:50 Meeting oncology team and facing mastectomy decision09:30 Moomoo mastectomy party and surgery day12:30 Pathology results, nine invasive sites, and chemo debate13:40 Second and third opinions, choosing no chemo, “bet on yourself”15:15 Impact on husband, children, and mother; caregiver burden20:00 Angels Surviving Cancer, patient navigator training, leadership21:30 Launching Rising in Grace and creating post mastectomy kits23:30 Realities of drains, rest, and the cost of comfort items26:00 Body image, bras, and emotional recovery after mastectomy29:00 Final message: act early, seek support, and remember it is not the endSee omnystudio.com/listener for privacy information.

On this episode, we'll be covering the episode 7 season finale of Love During Lockup. On this episode, Kaleigh has to chase a taxi, GTA style, Monique visits Titus in prison, Ayesha surprises Mikhael's daughters when she visits him, Moo Moo tries to keep this whole sister wife dream afloat, and Emily finds out about Justin's passing. If you like what you hear, please give us a five star rating and leave a review. If you/ also watch 90 Day Fiance, you should check out our other podcast feed. You can reach us on Instagram (@90DayMmkay) or shoot us an email at 90DayMmkay@gmail.com We will be back again when the show returns!

WWE struggles to understand why WrestleMania ticket sales are not doing that great, some Vince McMahon news, Elimination Chamber preview

On this episode, we'll be covering episode 4 of season 8 of Love During Lockup. On this episode, Titus' cousin helps him talk to Monique again, Emily and Justin debate on whether content is closer to cheating than prostitution, Bonita has got to find a way to keep Moo Moo finding out she sold his stuff, and Ayesha gets to the bottom of Mikhael's sentence.  If you like what you hear, please give us a five star rating and leave a review. If you/ also watch 90 Day Fiance, you should check out our other podcast feed. You can reach us on Instagram (@90DayMmkay) or shoot us an email at 90DayMmkay@gmail.com We will be back next week to cover episode 5.

On this episode, we'll be covering episode 4 of season 7 of Love During Lockup. On this episode, Ayesha explores Mikhael's house, Justin's exes have thoughts about his compatibility with Emily, Rich consults with a psychic over his relationship with Felicia, Moo Moo arranges for GG to pick up his stuff, and Kayleigh coordinates an ambush of Michael's mom. If you like what you hear, please give us a five star rating and leave a review. If you/ also watch 90 Day Fiance, you should check out our other podcast feed. You can reach us on Instagram (@90DayMmkay) or shoot us an email at 90DayMmkay@gmail.com We will be back next week to cover episode 5.

If you feel stuck financially—even when you're doing everything right—this video is for you. I'm breaking down the 10 harsh money realities most Americans face in 2026, and giving you the step-by-step solutions to break free.What you'll learn:Why most savings accounts are stealing your wealth (and how to fix it)The real reason you can't get ahead—even with a good jobHow to escape debt spirals, car loan traps, and “Buy Now, Pay Later” regretThe habits and strategies that actually build wealth in 2026RESOURCES & LINKS MENTIONED IN THIS VIDEO:- High-Yield Savings Account Comparison: https://www.anthonyoneal.com/savings(Compare the best high-yield savings accounts, updated weekly. No fees, FDIC insured.)- Debt Relief Resource: https://www. anthonyoneal.com/debtrelief(If you have over $20,000 in consumer debt, see if this can help you get out faster.)- Investing Platforms (Compare & Open an Account): https://www/anthonyoneal.com/invest(SoFi, Public, MooMoo—open an account, even with $0, and start building wealth.)- AI Automation Bootcamp: https://www.anthonyoneal.com/aiautomation(Learn high-income skills that pay you back in 12 months or less.)- Therapy & Mental Health Resource: https://www.anthonyoneal.com/therapy(Mental health is wealth. Find a therapist and invest in your mind.)- LLC Formation & Business Resources: https://www.anthonyoneal.com/llc(Start your side hustle the right way—protect yourself and build real wealth.)- Estate Planning (Will & Trust): https://www.anthonyoneal.com/estate(Protect your family and legacy. Don't let the government decide who gets your money.)- Life Insurance Calculator: https://www.anthonyoneal.com/ethos- Car Insurance Savings: https://www.anthonyoneal.com/carinsurance(Stop overpaying. Get real quotes in 60 seconds.)ABOUT ANTHONY ONEAL:Anthony O'Neal is a nationally bestselling author, speaker, and host of The Table with Anthony O'Neal. He holds a Bachelor of Science in Finance & Banking and is a professor of Consumer Economics at Virginia Union University. Since 2014, he's helped millions of people get out of debt, build wealth, and break generational poverty. His mission is to help you maximize your income, eliminate debt, and create a life of freedom and legacy.

Text us here! Hershall, I feel like I need to warn about this but I would like for you to listen. We talked about a trophy that was left in the studio and it spawned a conversation about one of my trophies that I won back in the day. I am fairly famous for something very moooving... We discussed the irrelevance of phone books and got some utterly ridiculously hilarious feedback. Brooks is a descendant of Maw Maw Pocahontas. There were gambling accusations and even an argument about song lyrics. If you wonder how all these things don't tie together, listen and find that they do! Enjoy, if possible... Support the showConnect with us at https://www.podnme.org/https://youtube.com/@devinbirdsongEmail devin@podnme.orgFollow us on Instagram @podn_mePersonalities on Pod'N MePastor: Devin BirdsongDeacon: Dustin WakleySongleader: Brad CottrellHershall: Jud IngramNews Anchor, Dink Burbank: Josh SmithGen Z Boy: Brooks Birdsong

On this episode of The Table with Anthony ONeal, we're breaking down how to reset your finances this summer with 5 powerful steps that could help you 2X your salary before the year ends. If you've overspent during the summer or want to hit the ground running for fall and the holiday season, this show is your blueprint to get back on track and grow your income with intention.In this show, you'll learn:How to spot and stop the financial leaks draining your moneyWhy a mid-year money reset could make or break your 2025 goalsThe overlooked habit that helps increase income fastMentioned On Today's Show:**This show is sponsored and brought to you by Better Help!**

On this episode of The Table with Anthony ONeal, we're diving into Money Personalities, because how you naturally think, feel, and behave with money could be the reason you're winning… or staying stuck. Understanding your money personality is the first step to building better habits, stronger relationships, and lasting wealth.In this episode, you'll learn:The 6 key money personality types and how they impact your financial decisionsHow to stop sabotaging your money based on emotion and start building smarter strategiesWhy knowing your money personality can transform how you budget, save, and investMentioned On Today's Show:**This show is sponsored and brought to you by Better Help & Ethos!**

The stat that made me want to throw my phone across the room: For every $1 the average white family has, Black families have just 15 cents. But here's what they don't want you to know - we are not powerless.In this episode, I'm breaking down:- The REAL reason behind the $240,000 wealth gap- Why "flexing" is keeping us broke (this will hit different)- My personal $1 billion mission to change everything by 2050- 5 actionable steps you can take THIS WEEK to start building generational wealth- The credit score "game" and how to win it debt-freeThis isn't just another finance video - this is a movement. While we've been underserved, we are NOT under-brilliant. It's time to stop making excuses and start making moves.Mentioned On Today's Show:**This show is sponsored and brought to you by Careerist!**

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Back by popular demand!  @KylaScanlon  joins us this week to talk about Trump's big tariff gamble, the looming recession, social media breaking our brains, and so much more. Oh and hey! Give this video a thumbs up if you enjoyed it! And please leave us a comment! AUSTIN we are coming for you. Get tix here: https://www.creekandcave.com/events/ben-emil-live Check out Kyla here: https://kyla.substack.com/ and on socials Buy Kyla's book here: https://www.amazon.com/This-Economy-Money-Markets-Really/dp/0593727878 This week's bonus episode is a GEM. Sign up for your FIRST MONTH FREE and support the show at https://benandemilshow.com