Tom Gardner

that actually there's a benefit to just people getting in the game with one of the solutions because it's going to open their eyes to the other possibilities.

I'm presuming that's more of how you see the market developing or where it is now.

And of course, I do like CEOs that admire their competition and learn from them.

So maybe talk a little bit about how you think about competition for this stage of the market.

Well, you're definitely an innovator and a visionary.

I'm sure you're operating the business very well as well, but I know you have a lot of ideas.

So how far out is your vision, do you think?

I mean, obviously, maybe there are flashes of it, but a tangible vision for Sezzle goes how far for you and what does it look like?

Charlie Uekem, the founder and CEO of Sezzle, and I will say before we give him an applause, Charlie took a red-eye flight last night and did not sleep at all, and he performs at this level on zero sleep.

So, Charlie, thank you so much for the half hour.

Even artificial intelligence, as with every other innovation in history, can become overvalued, right?

I think AI is going to create things we never thought possible.

Illnesses and disease solved.

So many complex things that we haven't been able to figure out in human history, we will actually be able to figure out with AI.

But there will also be so much competition.

Tom Gardner, co-founder and CEO of The Motley Fool.

And my goal in our conversation today in The Quarterly Call is to make it worthwhile to have a notebook and a pen and to give you some ideas that you can actually reflect on and use in your portfolio.

I'd like to start by reminding us what we talked about in episode one of The Quarterly Call, which is let's not be speculative.

We pretty much should not do this at any point in the market cycle.

But in the late stages of a market cycle where we've had a great bull run, I mean, the S&P 500 is up essentially 35% since 2008.