Invest With Other People's Money

In partnership with

The first order of stock mugs has arrived (just beat the tariffs)! The store should be up next week for ordering. Shout out to those who got on the list early. 🤙 

This smart home company grew 200%…

No, it’s not Ring or Nest—it’s RYSE, a leader in smart shade automation, and you can invest for just $1.90 per share.

RYSE’s innovative SmartShades have already transformed how people control their window coverings, bringing automation to homes without the need for expensive replacements.

This year alone, RYSE has seen revenue grow by 200% year over year and expanded into 127 Best Buy stores, with international markets on the horizon. Plus, with partnerships with major retailers like Home Depot and Lowe’s already in the works, they’re just getting started.

Now is your chance to invest in the company disrupting home automation—before they hit their next phase of explosive growth. But don’t wait; this opportunity won’t last long.

Invest today at $1.90 per share and receive up to 25% bonus shares.

_{Past performance is not indicative of future results. Email may contain forward-looking statements. See US Offering for details. Informational purposes only.}

Quote

“Your network—family, friends, coworkers, and online connections—is more powerful than you realize when it comes to spotting trends.” - Chris Camillo

Invest With Other People’s Money

Over the past couple of weeks, I was reading through the book Laughing at Wall Street by Chris Camillo.

I first stumbled across Chris and his approach to investing when he went on Graham Stephan’s Podcast the Iced Coffee Hour. While Chris’s investing approach deserves its own write up, his strategy for funding your investing account needed to be discussed first.

In this post we are going to break down how Mr. Camillo invests with other people’s money. In a future email we’ll discuss his social arbitrage trading strategy.

What is OPM?

The abbreviation used for other people’s money in the book is OPM.

High level, OPM is money that you would have spent elsewhere. In the book Chris uses the example of not getting a haircut as often and saving $40. He automatically puts that in his OPM account.

Another example he mentions is funds saved from delaying purchases. At one point he was shopping for a flat screen TV that was $600. Rather than pay full price, he waited for a sale, bought it for $400, earning himself $200 of “other people’s money.”

Here it the definition straight from the book:

OPM vs Normal Investing

According to Chris an OPM account should be viewed differently than one’s 401K or traditional investing portfolio.

Money classified as “OPM” should be seen as already gone. His theory here is that you were going to spend this money anyways, but instead you just spent it on this account. This is quite different than normal investing behavior where you should have consistent monthly contributions and don’t consider that money as gone.

Which leads right into the next topic…

The OPM Approach

You might have already seen the writing on the wall.

Your account full of OPM is going to be one that carries a much higher risk profile than your traditional investments (as to why this money should be considered as already spent).

Inside the OPM account Chris likes to use a combination of stocks and options to invest where he thinks he has an information advantage over Wall Street. This advantage is identified through a strategy Chris calls “social arbitrage investing.” I’ll do a full post on it soon, but if you can’t wait click here to watch a video of Chris summarizing this strategy.

Chris’s goal with these investments is for them to return multiple times their initial investment. You aren’t looking for 8%, you are looking for 100%+ moves. Specifically, the goal is to turn every $1 into $100.

The tradeoff is that these plays (especially when using options) carry more risk. As a word of caution, read this to see how about how I lost $1,000 trading options.

Conclusion

Summed up, Chris is using “other people’s money” to make a big bet on stocks he thinks are setup to make a significant move.

While there is more for us to breakdown on how he picks these stocks, using the OPM approach is a cool way to fund your higher-risk accounts. As someone who is young, I’m a firm believer in taking calculated risks. So given how this doesn’t impact one’s normal investing strategy, I’m a fan.

Let’s throw around some OPM cash. ~ Cade

Cade’s Picks

Vanguard Treasury ETF - If you want to invest in treasuries without all the hassle, Vanguard just announced a new ETF named VBIL with a current yield of 4.25%.

Yankees Torpedo Bats - The Yankees revealed a torpedo bat design that has led them to hit 15 home runs in four games. Legal, not legal, business opportunity? That is for you to decide.

Financial Advisors React To Money YouTubers - Two of my favorites, Brian and Bo, did a video reacting to finance YouTube videos. Good, classic, finance entertainment.

Best Memes

March madness and red markets, the boss will understand.

Tariffs are here folks.

Coffee IS a routine.

Check ‘Em out

Below is a list of featured products I have vetted personally, created, or used. These offers are just for you:

• High-Yield Cash Account - Earn 4.1% on your savings

• Public - Trade stocks, options, and crypto

• Empower - Track all your investing accounts

• Bond Account - Earn 7% with investment grade bonds

• Money Meals - 15 meal preps under five dollars

• Beehiiv - Create your own newsletter

Nothing in this email is intended to serve as financial advice. Do your own research. Thanks for reading, if you have any questions, comments, suggestions, etc. about the email don’t hesitate to send me a reply.