$SoFi Technologies Inc.(SOFI)$

IMO - the bank charter IS going to happen. Whether tomorrow or next year. That will drive profitability for SoFi and make it more attractive to new users because it will enable them to lower their rates. Currently, SoFi borrows money to re-lend bc it isn't a bank. Noto and Co realize that they can undercut much of the market once the charter is approved. This positions SoFi to grow membership, improve the financial health of its members and generally disrupt the traditional banking establishment. As they continue to re-invest .70 cents of every dollar of profit, this will happen quickly. IMO the best way to approach is a conservative dollar cost avg over the next 3-5 years. Spend a little from each paycheck between now and then and you will undoubtedly realize tremendous gains . Leadership,product marketing and re-investment will drive this company and that will make you money. Just my two cents. Shorts and Bears,there are better options out there.Longs, this is home base.