Cafecito Finance

I build financial models for a living. Here I show my own. 8 years of real numbers and charts I make myself. Not advice.

[Cafecito Finance @CafecitoFinance]

Nobody in my family was going to leave me money.

So at 18 I opened a brokerage account and started figuring out how to make some. Not to get rich but to stop spending my best years building someone else’s dream.

Where that ended up:

I’ve put in $83K of my own money.
The account is worth $243K

So $161K of it is growth, not deposits, and that split is what people leave out when they show you a big number.

Top 5 positions:
RCL — 14.8%
MU — 13.2%
AMD — 12.6%
AMZN — 5.9%
AAPL — 5.7%

The top three are 40% of everything. I never decided to be that concentrated. It just happened.

By day I’m a corporate financial analyst. I build the models that decide where a lot of money goes, then come home and run the same process on a normal salary.

Real numbers. My own charts. Losses included.

Total and YTD performance below

Follow along if you want the whole thing instead of just the highlights.

[Cafecito Finance @CafecitoFinance]

@DividendMil Cash is a position too. Let’s you jump when opportunity arises. You can’t predict these markets, so it’s always nice to be ready to pounce on a deal.

[Cafecito Finance @CafecitoFinance]

@SparkingFIRENC 28K steps in a day is radical

[Cafecito Finance @CafecitoFinance]

@LazaroInvestor Oh boy, we are in trouble now. Zuck competing on the Ai model too? Very bullish for $META

[Cafecito Finance @CafecitoFinance]

@Mohitsharma202 Also an insane level of patience to grow on X

[Cafecito Finance @CafecitoFinance]

@disclosetv

[Cafecito Finance @CafecitoFinance]

@DrunkDividends Yup, happens to me often in my corporate life. Just because on paper your younger, doesn’t mean your less competent.

[Cafecito Finance @CafecitoFinance]

@JimChuong Reality of most people in today’s society. A bad plague of keeping up with the joneses.

[Cafecito Finance @CafecitoFinance]

@IndexAndForget Not sure, if you follow the right people, you can get some insightful information.

[Cafecito Finance @CafecitoFinance]

SoFi’s revenue over the last 6 fiscal years:

2020: $0.57B
2021: $0.98B
2022: $1.57B
2023: $2.12B
2024: $2.67B
2025: $3.61B
TTM through Q2 2026: $4.27B

$SOFI has a 44.9% CAGR, and revenue has grown every single year since 2020.

[Cafecito Finance @CafecitoFinance]

@IndexAndForget Compounding is the eighth wonder of the world.

[Cafecito Finance @CafecitoFinance]

@StealthQE4 Oh yes is this what winning looks like?

[Cafecito Finance @CafecitoFinance]

@fasterfreedom Beautiful way to put it. Leverage is key.

[Cafecito Finance @CafecitoFinance]

@leos_Investing Side hustles fueling a nice portfolio can do wonders over a solid period of time

[Cafecito Finance @CafecitoFinance]

@FinanceJack44 Amazon has performed great over the last few years and I expect them to continue performing well for many years to come

[Cafecito Finance @CafecitoFinance]

@unusual_whales It’s not that off from ATHs

[Cafecito Finance @CafecitoFinance]

@MsVeilMoney Conviction beats aimless diversification

[Cafecito Finance @CafecitoFinance]

@TheDrugMoney Only 12?!

[Cafecito Finance @CafecitoFinance]

@NoLimitGains Maybe my $RCL will finally go up

[Cafecito Finance @CafecitoFinance]

@TridentLayers45 Honestly building the portfolio is addicting af

[Cafecito Finance @CafecitoFinance]

@DudeWhoInvests It happened with the Industrial Revolution. Jobs were lost (factory workers), but jobs were created (operators). History doesn’t repeat itself, but it does rhyme.