Balsa ∆ Money / AI Psychology / Business

Founder @InvestingGym. I write Clarity Code, trusted by 10,000+ to level up with money, investing & markets, and business. Get my Free Psychology Playbook 👇

[Balsa ∆ Money / AI Psychology / Business @emanuelbalsa]

$SPCX (@SpaceX) investors who bought near the highs keep asking the same thing.

Did I lose money on this IPO, or is this the reset before the next leg up.

The free IPO memo helps you think that through.

Read it first: https://t.co/AxWw2AtdTN

#FinancialFreedom

[Balsa ∆ Money / AI Psychology / Business @emanuelbalsa]

The average new stock is getting older, not younger.

Five years ago, a new stock was 10 years old. Now it is over 11.

Founders wait longer. They test more before they ask for your cash.

@Investinggym #IPO #investing #stocks #stockmarket

[Balsa ∆ Money / AI Psychology / Business @emanuelbalsa]

An ex-PayPal CEO built you software this week just to see your money in one place.

Retirement, equity, tax, one screen.

If yours is still 4 spreadsheets and a guess, the free Psychology Playbook fixes that for nothing.

https://t.co/TfpQao3YSt

[Balsa ∆ Money / AI Psychology / Business @emanuelbalsa]

The guys who built Tink, sold to Visa for €1.8B, just came out of stealth.

Their new company, Freda, uses AI to map every compliance rule a business must follow, then builds the program to meet it.

Bootstrapped. No VC.

Compliance was the one thing software never fixed.

[Balsa ∆ Money / AI Psychology / Business @emanuelbalsa]

Myth: your kid needs a card to learn money.

Fact: kids learn money watching you flinch at a real bill, not from a parental-control app.

N26 just gave 7-year-olds spending alerts. Nobody built one for the adult who signs off on them.

Model the flinch. That's the lesson.

[Balsa ∆ Money / AI Psychology / Business @emanuelbalsa]

7 out of 8 IPOs aren't VC-backed.

VC gets headlines.
But most new stocks come from founders without venture capital.

Both paths work.

@Investinggym #IPO #investing #stocks #stockmarket

[Balsa ∆ Money / AI Psychology / Business @emanuelbalsa]

IPOs with analyst coverage pop 50% more on day one.

No coverage: 5%
Has coverage: 7.3%

That gap is attention.

@Investinggym #IPO #investing #stocks #stockmarket

[Balsa ∆ Money / AI Psychology / Business @emanuelbalsa]

Your mortgage is the biggest debt you'll ever carry.

Most wait for a lump sum that never comes to pay it down faster.

A new app raised $10M this week to do it with spare change instead.

Free Psychology Playbook, money habits nobody taught you: https://t.co/TfpQao3YSt

[Balsa ∆ Money / AI Psychology / Business @emanuelbalsa]

Ant International just put a leash on its own AI agents.

Human-set spending limits. Real-time monitoring. A guarantee if the agent gets fooled.

Anything bigger still needs a person's yes.

The bank selling the AI doesn't trust it alone.

[Balsa ∆ Money / AI Psychology / Business @emanuelbalsa]

34% of employees say workplace anxiety is quietly wearing down their loyalty to the job.

53% would leave for a comparable-paying role tomorrow if one showed up.

Losing one of them now costs a company $45,236.

Your best month at work might be a warning, not a win.

[Balsa ∆ Money / AI Psychology / Business @emanuelbalsa]

The safest West IPO still loses more than the riskiest one outside the West.

West's best-priced stocks lose 11 of 100 in 5 years. Outside the West, worst-priced ones lose only 7.

The map matters more than the price.

@Investinggym #IPO #investing #stocks #stockmarket

[Balsa ∆ Money / AI Psychology / Business @emanuelbalsa]

Out of 100 new tech stocks, 16 leave the market within 5 years.

That is more than any other kind of company. Food and drink stocks lose only 7 of 100.

The shiny new stock is often the risky one.

@Investinggym #IPO #investing #stocks #stockmarket

[Balsa ∆ Money / AI Psychology / Business @emanuelbalsa]

Regulator: an AI agent can hold its own account and pay on its own. Three charters just approved for that.

Also regulator, to you: bring pay stubs and an HR letter. We need to verify you're real enough for a mortgage.

The agent skipped the line you're still standing in.

[Balsa ∆ Money / AI Psychology / Business @emanuelbalsa]

A trading platform rebuilt itself around AI, not a bolted-on chatbot.

It's launching a 24/7 agent that watches your account for risk while you sleep.

Its own words: it helps you decide, it doesn't decide for you.

Remember that next time an AI wants more of your money.

[Balsa ∆ Money / AI Psychology / Business @emanuelbalsa]

Stop trusting AI money advice because it sounds confident.

Confidence is cheap. Being checkable isn't.

An AI advice company rebuilt itself this week around exactly that, verification over speed.

Ask it how you'd prove the advice wrong, not just what it says.

[Balsa ∆ Money / AI Psychology / Business @emanuelbalsa]

Tech gets the venture money. Big deals get the banks. Big deals lock your shares hardest.

I paid for these lessons. You can have them free.

IPO Secrets 2026, from 7 euros: https://t.co/PiYO7JsXo8

@Investinggym #IPO #investing #stocks #stockmarket

[Balsa ∆ Money / AI Psychology / Business @emanuelbalsa]

Buy a small IPO and your shares are freer than you think.

Only 7 in 10 small IPOs lock up shares. For the biggest IPOs, it's 9 in 10.

Size buys control. Just not yours.

@Investinggym #IPO #investing #stocks #stockmarket

[Balsa ∆ Money / AI Psychology / Business @emanuelbalsa]

You make more than your parents ever did.

You still open your banking app like it might have bad news.

That gap isn't math. It's a psychology problem, and psychology problems need a system, not a bigger paycheck.

Free Psychology Playbook: https://t.co/TfpQao3YSt

[Balsa ∆ Money / AI Psychology / Business @emanuelbalsa]

A bank in Denmark let an AI agent finish a payment on its own this week.

You ask for something. It finds it, books it, pays, no tap on the charge.

Danske Bank and Mastercard ($MA), a coffee tasting, one instruction in.

The card is still yours. The tap isn't.

[Balsa ∆ Money / AI Psychology / Business @emanuelbalsa]

A new workplace survey explains why you're tired on a good salary.

71% feel confident making a savings plan. Only 33% pass the basic money-literacy test behind it.

85% worry about money during work hours, burning 3.5 hours a week on it.

Confidence isn't competence.

[Balsa ∆ Money / AI Psychology / Business @emanuelbalsa]

A property IPO hires more than twice the bankers a mining IPO does.

Real estate: about 5 banks per deal. Materials: about 2.

More bankers just means more people paid to sell you the story.

@Investinggym #IPO #investing #stocks #stockmarket