Tom Gardner

Because you're getting better prices.

This is not the time to increase your risk.

It's time to reduce your risk.

And we mentioned in that first call that options, very risky the way many retail investors use them, right?

Leverage, margin debt, nearing all-time highs, not a good idea.

We also talked about

low-priced stocks under $10 a share.

Not a good idea for most investors.

Occasionally, you might find a great company with a share price down below $10 a share, but for most people, no, let's not do that.

And then finally, I'm going to add to the category of speculation that we see happening in the US and around the world is a lot of sports betting.

And start using your GPT to prompt away and really look at the odds of sports betting.

If you're going to do it, it should be a light entertainment.

And for most people, it's better to just stay away from it altogether.

Enjoy the sport for what it is, right?

But obviously, some people get into trouble in sports betting.

You just have to put that warning out there that it's not a way to build your financial future.

So we want to move speculation offline.

you know, the menu right now.

There are times to go for it.

This is not one of those times.