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My name is James, and this is my personal blog about finances, the stock market, and investments. This blog is for me to document, learn and improve as an investor. Think of it as a diary or an investing journal.

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Zoom: The “Anti-Fragile” Asymmetrical Bet?

“The IT department of every company is going to be the HR department of AI agents in the future. Those digital employees are going to work with our biological ones, and that’s going to be the shape of our company in the future.” — Jensen Huang, CEO of NVIDIA (CES 2026) If the Godfather of…

The Duolingo “Lizard Brain” Liquidation: Why Retail Is Wrong Again

This is exactly why the average retail investor consistently underperforms the S&P 500: they are biologically wired to buy high and sell low. We are currently witnessing a classic “Retail Doom Loop” with Duolingo (DUOL). If you’re staring at the price ticker instead of the fundamentals, you’ve already lost the game. Your Biology Is Your…

Duolingo: The Fake Sentiment Crisis

The market currently treats Duolingo like a “dead app walking,” terrified that AI will turn language learning into a relic. They are playing the math of a utility company while ignoring the psychology and network effects of a platform. The argument that Duolingo is headed to zero is dumb. The argument that AI language tools…

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