ROBINHOOD MARGIN Explained for Beginners Full Guide 🔥🔥🔥

#Robinhood #RobinhoodMargin #Options #RobinhoodPortfolio #Margin
Hello everyone! I breakdown the main points of using Margin in this comprehensive video with Mobile POV. Don't forget to subscribe for my how to videos and progress on my portfolio!
I'm not a financial advisor, this is my personal blog for entertainment purposes. Please do your own research.
Warning* Use margin at your own risk!

[@youroptionsguy3444]

Didn't expect to get this many views, thanks for the support I usually freestyle my videos so it's not scripted that's why I say like and umm throughout because I'm thinking as I'm going 😅 if you have any questions I'll be happy to answer 🙂

[@benfraser7068]

A well explained video, videos like this and expert's insight is needed when you're new.

[@finntomkins6825]

Can't agree more, it goes a long way indeed, i am also being assisted by the renowned Edwin Earl.

[@ethangavin5348]

Does this happen to be the same Edwin Earl they are discussing in the first comment of this video? kzbin.info/www/bejne/poSch3x-YsucmLM

[@victormgv]

Best video on Robinhood margin I’ve seen on KZbin! Exactly what I needed to send my cousin and actually shows the account changes . Thanks bruh!

[@rexckd]

A year later and still a helpful video, appreciate it and hope all trading is going well💪🏽

[@TruBlq]

This answered all my questions. Thank you!

[@danielmolinari4299]

Nice video :). Thanks!

[@fahrealtv]

Great video and very well explained...

[@jairosambula3707]

Great video, you gave a lot of important information about margin investing! Now I truly know that margin investing is not for me! Thank you for such an amazing informative video!👍

[@rock-99]

Thanks bro. It was super helpful.

[@Kk-iw4ck]

Great explanations !

[@justincanada8017]

Good video. Could play a drinking game taking a shot everytime you say "basically " lol

[@codysbusiness]

thanks for this video man. i like the margin and options videos

[@Blahblah268]

Thanks for explaining dude 👍

[@SsingAhh]

Thank you so much for the clear explanation

[@androfits7929]

Thank you for this excellent video.

[@NerdThingsAndMore]

Thanks for the info

[@TheDawnathon]

I really appreciate your knowledge. I also want to learn and learn so my account will look like yours. :)

[@MrRudeboy5]

Thanks!

[@Qpalzmcreehay]

Hi. Really great video thank you so much. Quick question. On the day you get paid dividends. Does the margin account take that money automatically, to pay off your margin account, or will the margin account not touch that money and you can reinvest the dividends? Or do they take the dividend automatically and now you have more money to invest from your margin account.

[@youroptionsguy3444]

Usually your brokerage is setup to automatically reinvest the dividens meaning you will buy more of the stock that pays you dividend thus increasing your total portfolio, but you should have the option to adjust that if you want dividens as cash and not re invest

[@jainayak666]

Comprehensive. Just what I was looking for. Thanks! Question -- Say I have 100k in stocks, zero in Buying Power, and my margin maintenance is 35k. If I now borrow 5k to invest in stocks, barring a catastrophe that brings down my portfolio to below 35k, I should never get a margin call for borrowing such a small amount, right? I'd expect my portfolio value to hover around the 100k mark at any given time.

[@youroptionsguy3444]

That is correct

[@thecalivegan635]

Good info, thank you. So if you have margins, you can't transfer your initial investment funds to your bank account I notice, correct? Even if the loan is lower. Using margins seem to tie up your funds for withdrawal. Interesting. Please elaborate. Thanks again. New Sub. 🙌🏾

[@youroptionsguy3444]

Hello! You are able to transfer back and fourth into your account or out of your account no problem. Only when you get a margin call, you will not be able to open any new positions unless either: 1. Your account goes back up because your stocks go back up 2. You put in more money so you cover the margin maintenance amount (basically you have enough money to cover how much you're borrowing) 3. You sell some positions If you have a big enough portfolio , lets say 50k and you're only borrowing 10k You have around 40k left to borrow, you can also turn on margin spending which lets you take money from robinhood and transfer to your account , like a loan but only at 2.5% 😉

[@EchadLevShtim]

A lot of banks offer interest free lending. Thats what Ive been doing is taking the Available cash and paying it back over 3 months on autopay.

[@Chinews773]

Got 2 questions and would greatly appreciate if you can answer , great video btw, and I just subbed to u, Do you get charged interest if your money you borrowed is just sitting in your buying power? 2nd question can you get out of margin at anytime u want? I hope you can answer! Thanks

[@youroptionsguy3444]

1. No, you get charged while using margin on settled transactions meaning you turn it on and have to buy something, turning on margin and having it sit as buying power won't be charged 2. You can get out anytime as long as u pay back what u borrowed, if you borrowed 5k and use it to buy stocks, you need to either deposit 5k or sell the stocks you bought worth 5k then you can turn off margin

[@Chinews773]

@@youroptionsguy3444 awesome thanks for the answers I'll be following you along lol. Hopefully u are one of the good KZbiners that's respond back (just like u did, awesome helping ur subs out! Thanks

[@hllong9189]

Does it affect ur withdrawable cash available?

[@samd2865]

Margins are a dangerous game. one i never play with. all it takes is a market crash and Robinhood owns you.

[@xavierjones9777]

Haha 😄

[@berkd557]

When it shows the margin maintnence balance, that number means you need to at least have 17,000 in your own money to hold your positions and not like 16,000 + 1000 in margin? Let me know if that made sense or not?

[@skynet251]

So you cant pay what you borrowed in incremental payments like you would on a credit card?

[@Kk-iw4ck]

How do I sell spreads if I want to use my cash and not my margin money ?

[@randelldickerson6147]

Quick question I know you're not an adviser but I'm new to Robinhood small account and I was looking at the margin Borrowing that's why I'm here and I was thinking about maybe taking a 1000 bucks and putting it into Apple before it sells the new iPhone what do you think about that

[@youroptionsguy3444]

Well apple is solid so long term sounds pretty good, short term kinda risky especially with everything being bad macro conditions

[@Mattster2k6]

If you buy 100 shares with your margin and do sell calls, can you apply the credits from the call option to pay the margin?

[@youroptionsguy3444]

Yes!

[@Ramrock325]

I believe you answered this in your video but i just wanted to verify...So say i dont own any stocks and i place 2k into buying power, doing so would satisfy the prerequisite to "turn on Margin ". Assuming im qualified for 2k margin, that would boost my buying power to 4k right? Then i could theoretically buy 2k in stocks and move the other 2k from buying power to bank account?

[@youroptionsguy3444]

I haven't checked the requirements for margin lately but yes, once you get whatever margin RH gives you then you can take it out to your own bank, you will then pay interest on whatever you use

[@rasalghul2243]

Sometimes Robinhood randomly gives me an extra 5k of margin when I’m already using 2x margin lol

[@guillermomartin8248]

Question for you. Let’s say end of trading day your portfolio is down say 100.00 off of your margin maintenance. Does RH sell any stock/option? Or does it sell off the shares bought with margin? So it does give you 3 days when called to allow deposits?

[@youroptionsguy3444]

They will notify you with a margin call , then you have couple days to bring up your portfolio pass margin maintenance, either deposit money or sell some stock, or the next day your stocks can go up 😉

[@kejihonda]

is there a way to buy 2 separate stocks on margin? from what i understand if i deposit money which i plan to use to buy another stock, that money will instead be used to pay down my current margin?

[@youroptionsguy3444]

Yes you can buy another number of stocks or options with margin as long as you have enough margin to use, whatever you deposit will go towards your used margin balance

[@TheBallin24k]

Hey i know your busy, but i have a question and theory hoping you can answer. If i use the margin for dividend stocks, that move mainly sideways. I can use the dividend to pay off the interest/principal? I just cant reinvest/drip the dividend. It would have to be used for the interest and principal

[@youroptionsguy3444]

Yes that's one way of paying of margin, depends on how much you take out though

[@TheBallin24k]

@youroptionsguy3444 for rite now I would try to keep it under a $1000 so I don't have to pay any interest. And truthfully if I do use more and accumulate interest I have enough dividends from 1 stock to cover the interest.....does that make sense🤔

[@tairapauley23]

i spent my 2k on some stocks so when do they loan you the money

[@iamgroot6839]

Question If I used 10k in margin and I liquidate my positions where I’m not using any margin anymore, can I disable margin investing then? Obviously I would pay the interest on the margin I used

[@youroptionsguy3444]

Yes, once you are no longer using margin ( payed off what you owe) you can turn off margin, also you can try to turn off margin whenever, I don't think RH will let you do that unless you owe something, so that's a way to do a spot check

[@iamgroot6839]

@@youroptionsguy3444 thank you 🙏 I used 10k in margin made small gains don’t feel like using it anymore paid off the interest so I’m just going to turn it off for now

[@jville9788]

How do you pay the margin used? I know to add more money or sell stocks. But how to adjust your portfolio balance? Do I need to set the borrowing limit?

[@youroptionsguy3444]

Every once a month you will be charged $5 for gold membership plus your unpaid interest accumulated for that month

[@Ignotus2023]

@@youroptionsguy3444 the monthly interest charge is used to pay off margin?

[@youroptionsguy3444]

That's correct, if you're not using margin then the monthly charge will only be for the gold membership

[@ichangedmyname0001]

Question, can I use margin to purchase Dividend stock, and let it grow for a while? Qyld for example, if I only use the $1,000, and pay no interest, but only the $5 a month, could that be profitable?

[@youroptionsguy3444]

Yes you can use margin to buy any stock that pays dividends, it depends on what you select to determine if it will be profitable

[@ichangedmyname0001]

@@youroptionsguy3444 alrighty, I have done research last night and you need to had $2,000 before you can even get the free $1,000

[@youroptionsguy3444]

Yes that is correct

[@cryptostonks5282]

Question, I wont be charge with anything if I havent used my margin right? Only the monthly fee for gold? And correct me if im wrong, I should maintain the margin maintenance even if I havent used the margin?

[@youroptionsguy3444]

Yeah, you can turn on margin but you won't be charged anything until you use it, the amount you use will show up in the Margin Used section , also you will have to pay up on a monthly basis, so if you borrow like 5k, every month you pay just the interest thats accumulated plus the gold, unless if your portfolio drops a heavy amount and goes below your margin maintenance then you may get issued a margin call where you will have to pay within 3 days to bring your account up or sell some positions

[@cryptostonks5282]

@@youroptionsguy3444 so even if I dont use the margin and it stands by in my buying power, then my portfolio drops below its margin maintenance, I could get a margin call and have to pay it within 3 days? Just wanna make sure 🥲 thank you 🙏🏽

[@youroptionsguy3444]

No. If you haven't used any margin you have nothing to worry about because you haven't borrowed anything

[@cryptostonks5282]

@@youroptionsguy3444 thank you. You're the best. I subbed :)

[@RealTalkCali]

Please a make a detailed video on using margin with selling options. Thanks bro

[@Austinsinvesting]

Yes please. No interest I believe? Love to see how you do it

[@Mars2152]

Yeah that would be good 👍. Wouldn't that increase risk and lower your margin availability or amount?

[@blainetanner5531]

Yupp want this too!!

[@romeorain]

Hi. Does adding money to your brokerage account lower the margin maintenance amount?

[@youroptionsguy3444]

Yes, also if you close positions

[@romeorain]

@@youroptionsguy3444 Thanks. One other question. Can you roll your options like normal, when using margin?

[@romeorain]

@@youroptionsguy3444If you are not using any margin with options (prior to getting assigned ). Would you still be able to get margin called prior to that assignment of the stocks?

[@janaebenton9330]

Ok so question so I’ve been using Robinhood before and I am swing trade would I still use the margin account to trade and if I want to take some of my profits out of my Robinhood account and put it in my account do you think that’s safe to do that??

[@youroptionsguy3444]

Not too sure what you are asking here sorry

[@janaebenton9330]

@@youroptionsguy3444 basically what I’m asking can still withdraw some of that money if I were have to use margin to put that in my bank account.

[@youroptionsguy3444]

Ah yes you can actually. It's called margin spending, so if you turn on margin and RH gives you like 5k of margin to use, you can actually withdraw half that amount , you will still be charged the amount you use/withdraw same way

[@janaebenton9330]

@@youroptionsguy3444 ok 👍🏾 so I’m still being charged 2.5% of interest right ?even if I would have to withdraw some money out Robinhood?

[@youroptionsguy3444]

Yup

[@jefferytallant3814]

How do you pay off the money you owe on the margin and keep the stock .I want to go to a all cash account but need to pay the margin off and I want to keep the stock not close it.

[@youroptionsguy3444]

There is a payment day once s mont, usually it occurs when you pay your $5 monthly gold membership fee. Robinhood will automatically take away from your buying power balance, the $5 fee plus whatever interest you have accumulated that month

[@ricardocortez2610]

You should make a video on your 1099 taxes many of my friends got destoryed when they found out the had to pay 26% of all the gains they made selling coverd calls ... It’s adds up big time

[@youroptionsguy3444]

yessiir it does ! i owe about 20k in taxes, luckily I have the money but some people do get destroyed....I hope people trade with money they are willing to lose overall, if not then just buy and hold for 10 years

[@kingofsaturn555]

How do I pay back the margin or does it come automatically when you sell a stock

[@youroptionsguy3444]

There a payment day once a month, usually it occurs when you pay your $5 monthly fee for gold membership, robinhood will automatically take away from your buying power balance the $5 plus whatever interest you have accumulated that month

[@tairapauley23]

hello i just up dated to gold and had 2k on there turned it on and the 1000 wasnt there or no other cash to buy anything else with

[@youroptionsguy3444]

Did you have 2k in cash and then you turned on margin? If you did then you should have around 4k buying power If your original 2k is used in stocks or crypto with high volatility then Robinhood would see that you already have some risky positions so they may not even give you any margin

[@tairapauley23]

@@youroptionsguy3444 apple says low

[@youroptionsguy3444]

If you have apple only then Robinhood should give you some margin to play with Maybe its because your portfolio is really low? 🤔 or it could be that robindhood is increasing their standards They also take into account other factors , like how long you been trading, how old your account is, etc.

[@RealizesMex]

So if I borrow 500 I do not have to pay any interest because that’s included with the Robin Hood gold package? I can borrow up to 1000 without paying any interest correct?

[@youroptionsguy3444]

Yes that is correct based on Robinhood documentation, the first $1000 is intrest free, it is part of your monthly $5 gold fee

[@RealizesMex]

@@youroptionsguy3444 awesome, thanks I appreciate your video and response.

[@jordanbronner3752]

Can someone tell me what it means when it says maintenance requirement 50% sometimes it says 25% does that mean my stock let say for example it’s $100 bucks can’t drop pass $50 (50%) or $75 (25%) before I get a margin call ? Thanks in advance I’m searching online but nobody touches base in plain English about this topic the maintenance requirements percentages

[@youroptionsguy3444]

Yeah so let's say you have 10k in your portfolio and you activate margin Typically RH will do a 1 to 1 ratio meaning they let you borrow up to 10k Now let's say you already spent 10k of your own money in stocks but haven't touched any margin yet Now let's say Apple has a good dip and you want to get in with margin If Apple says it's margin requirement is 50% then you can only use 50% of margin you have available to buy or sell options So you will only have up to 5k available to use with margin on that particular stock But if you decide to buy shares Then you will allowed to use up to the full 10k RH limits you when buying options and other volatile stocks Another good way to check how much you can use is simply by setting up your order and in the review page before you execute, it will tell you how much you have available to use, it will say : Buying Power with the amount your able to use Hope this makes sense safe trading 🙏

[@Kk-iw4ck]

Man this video is good !!! Answering all my questions ! Thanks a million !!

[@terrance2405]

Can I day trade on Robinhood if I put in 15k and use the 2x margin putting me at 30k which would be over the 25k pattern day-trading rule?? Ang great video thank you

[@youroptionsguy3444]

I believe yes as long as your portfolio sits above 25k end of trading day , but it's best to buy end of day and sell the next to avoid hitting this rule

[@xavierdillon5366]

No one says what happens when you get a margin call, and it take all of your buying power funds and you sell to cover the call, but what happens if the stocks go back up, are those funds given back or they get to keep it? If they get to keep it, then wow!!!

[@youroptionsguy3444]

They keep it , so be careful lol

[@somethinglame5472]

Why is my money available only $7 when I have 45k in stocks?

[@troystewart4084]

btx is gettting ready to run take A LOOK

[@timothywoodard4272]

Wouldn't you just wait for stock to go up and sell then pay margin back and keep the gains right?

[@youroptionsguy3444]

If your stocks drop too much while having margin then you may be issued a margin call where you are forced to either sell or deposit more money

[@timothywoodard4272]

@@youroptionsguy3444 so as long as I sell that amount before it goes below average cost then thay get paid back first time using margin lol

[@mochaeatsasmr9466]

great video, thank you, i have a question can you pay little by little back or you have to pay the full amount once? Thanks

[@youroptionsguy3444]

Little by little or all at once it's up to you

[@momcollects9556]

I just tried to get margin and I’m ineligible. How can I become eligible? Thank you!

[@youroptionsguy3444]

How much money do you currently have in your account? I believe the minimum is at least 2k

[@thatcallofdutygamer2823]

Instead of selling your shares, could you add cash to your account to pay off the margin?

[@youroptionsguy3444]

Yes you can! You only have those options

[@thatcallofdutygamer2823]

@@youroptionsguy3444 Thank you!

[@yunr]

I have a question let’s say I have 13k of my own money and get 13k in margin putting my account at 26k, does that mean I have unlimited day trades?

[@youroptionsguy3444]

No, only your original portfolio value counts toward the 25k

[@JoshChase114]

For example if I have 20k of my money, am I borrow 6k margin will the pdt rule appply to me ?

[@youroptionsguy3444]

Can you clarify the PDT rule

[@JoshChase114]

Pattern day trade. If you have under 25k you can only do 3 day trades a week unless you switch to cash account. So Im wondering if I’m borrowing margin with my gold membership to get me over 25k I’m hoping that restriction won’t apply

[@youroptionsguy3444]

According to RH, they look at your total portfolio value minus crypto, so if you have 22k in cash/stocks and use margin to increase above 25k you won't be flagged PDT as long as your portfolio is above 25k end of day. Also, incase you do get flagged first time there is a chance you can get it waved as long as you have a good explanation, I've been tagged PDT and asked RH support to remove it and they have.

[@JoshChase114]

@@youroptionsguy3444 awesome Thank u !

[@JayShenanigans]

If I don’t want to sell the stock, and decides to hold it long term, can I pay the margin back in cash??

[@youroptionsguy3444]

Yes, you can make deposits until your margin used goes down

[@Yvng__KG]

When u borrow with margin or Robinhood how do I pay the money back

[@youroptionsguy3444]

RH will deduct monthly the same way they charge for gold membership they will also charge whatever interest you acured that month, you should be able to view the amount you acure daily so you know what to expect to pay

[@jae9129]

What is margin

[@ricardocortez2610]

Hell yeah margin call I bought 7 leaps of pltr today Gonna sell som poors man coverd calls Tuesday

[@MrBellasaurus]

Can you use robinhood margin on crypto currency?

[@youroptionsguy3444]

I'm not sure on that one 🤔

[@jamesark9926]

Can i payback with installnent,,,everymonth,,let say,,,i have a margin call $3,000... and will installnent them with $300.00,,, every month? Can i do that,,,?

[@t58beare]

You have 3 days then they liquidate all your positions to cover. If that's not enough you will have to deposit. Not sure how flexible they are with payments, but I believe it would be in best interest to pay it back as soon as possible. If you can't pay off your full margin with external funds, than don't borrow that amount. Be safe.

[@nerfytart]

So my portfolio is 112k (all in TSLA), and I just got Robinhood Gold today. My margin maintenance is 49k, and my total margin (the amount I'm allowed to borrow) is 116k. If I borrow 60k to buy more TSLA, how will that affect my margin maintenance? What if I borrow 20k or 100k? (I'm assuming my margin maintenance must increase, right?) It seems like I would never get a margin call, even if borrow the full amount and put it all into TSLA (I know there must be some restrictions to going all in on TSLA with all my margin)... Also, I think TSLA's maintenance margin is 60% and initial margin is 68%. Does this mean that if I borrow 100k to buy TSLA stock, then I'll need a 68k portfolio value at time of purchase.. and I'll need to maintain at least 60k in my account to avoid a margin call..?

[@youroptionsguy3444]

Your margin maintenance increases if the total amount of your portfolio increases either by your picks going up or you adding more money into your account, the more you borrow the more you put yourself at risk with a margin call if the total amount of your portfolio drops below the margin maintenance It seems you are in a good state with tsla right now, probably best to buy in little by little instead going in with 60k margin, I've been there and it's not fun once your stock drops lol

[@TFCTech]

Dang bro just read this hope you didn’t get called. Hope you’re still doing good and got out of margin at a good price

[@nerfytart]

@@TFCTech thank you I appreciate that. I have since created a margin calculator to figure out how much I can borrow and at what tesla share price I would get called at. I'm in 110k of margin now and my death price is $540. :) Hope Tsla doesn't fall that low and hope margin reqs don't increase.

[@saluyotchronicles392]

How to pay off margin debt on RH?

[@youroptionsguy3444]

Deposit more money into your robinhood account to offset what you borrowed or sell open positions

[@TheLordestiny1]

👀😶

[@JonathanRootD]

What could go wrong.

[@user-wq3ko4gn9o]

Were you able to find out what " Today's day trade limit" really is? Are there consequences if someone goes over that ?

[@youroptionsguy3444]

Today's day trade limit is the max you can trade within that day, I don't think it's possible for you to go over that limit because RH wont let you trade above, but this is usually for extreme traders trading multiple times a day with lots of capital, the regular retail trader doesn't encounter this

[@user-wq3ko4gn9o]

​@@youroptionsguy3444 hypothetically, if a person has $25,000 in cash and $25,000 in margin will the person be able to day trade $50,000 as much as they want throughout the day without any penalties? Thank you for replying.

[@youroptionsguy3444]

No, there is a day trade limit, you have to go to your investing portfolio and RH will tell you your day trade limit

[@matthewjames4344]

I don't understand how you actually spend the margin money. I have margin spending on I put two grand into my account but can still only use two grand so how do you know how to use or spend margin money? Please help lol

[@youroptionsguy3444]

If you start with 2k and turn on margin, you should have around 4k buying power You can't use margin on crypto , keep this in mind. Once you actually start using margin, it will show up in your account under 'Margin Used' section

[@matthewjames4344]

@@youroptionsguy3444 thanks for your reply, I have it turned on and it says I can spend like 3800 but after I spend 2k it says I have no more to spend. Any idea what I'm doing wrong?

[@matthewjames4344]

I was trying to invest after hours, does that have anything to do with it?

[@youroptionsguy3444]

So if you started with 2k and used that 2k on stocks or something then you turned on margin you should have some extra spending in the buying power section, lets say you want to buy crypto with the extra money, if you try to buy crypto it won't let you since you can't use the extra margin for it Now let's say you want to buy options, usually options is higher risk so you will only have about 50% of your total margin available to use, so if you have like 1k to use in margin then you would only be able to use around $500 for options , for stocks you have to look at the margin requirement section Also I would note that using margin with a $2k portfolio is risky since if you drop below 2k you are at risk of margin call, it's best to use margin on bigger portfolio maybe like 5k or more

[@Michael-bb7ju]

So if I use $500 for the first time will I have to pay that back

[@youroptionsguy3444]

Yes, you always have to pay back whatever you borrow plus any interest accumulated

[@Michael-bb7ju]

@@youroptionsguy3444 what’s that for the first time thing it says pay back if I spend over 1,000

[@youroptionsguy3444]

The first $1000 is included with your monthly $5 fee Any amount you borrow above that accumulates the 2.5% interest

[@KevinP32270]

margin is a loan?

[@youroptionsguy3444]

Yessir

[@samd2865]

basically if you have 10,000 dollars of your own money Robinhood will give you another 10k or less in Margins/loan plus they'll charge 2.5% on the profit u make.

[@RyanMitchell418]

Can i borrow the free 1,000 then opt out ?

[@youroptionsguy3444]

No you would still be required to pay whatever amount you borrow You can back buy selling any open positions or depositing to your account

[@RyanMitchell418]

@@youroptionsguy3444 thanks. I been really considering using this, but most people say not to.

[@pvchio]

What will happen if one day or a period of time every stock in your portfolio drops like 90% and you get a margin call. But you have no money to cover the margin call even after you sell most of your stock. Then what will Robinhood do?

[@youroptionsguy3444]

Good question, never had that happen to me but I'll try to see what happens, I still think rh will end up selling whatever you have and you will be left in an account deficit where you can't do anything until you transfer funds back in to remove your account deficit

[@t58beare]

If you are investing in something that volatile, don't use margin or else very strict stop losses.

[@MooskiiiTV]

8% interest with gold now 😂

[@youroptionsguy3444]

Yeah it's brutal but better than personal loans rate

[@MooskiiiTV]

@@youroptionsguy3444 Oh yea I use equity out my portfolio from Robinhood 8% is still great but 2.5% is crazyyy if they bring that back 😭😭

[@bigstepper9654]

skip to 3 minutes

[@nnotof3218]

Alright, you're definitely Early Adopter on NBA TS 😂

[@rob123rob100]

You say umh, yea,to much hard to follow just say what u have to say 👎

[@youroptionsguy3444]

Yeah I usually record on the spot and just improvise 😅 I don't want to sound too scripted

[@rob123rob100]

Cool I can relate just frustrated trying to learn I'm not to smart sorry Bro

[@valentino226]

DUDE... your videos are putting me to sleep. Less base more alto.

[@zaydozier]

Go watch someone else then lol