I Lost $128,000 in ONE Day… Here’s What I’m Doing Next (SOFI, META, MSFT)

Added: 2026-05-06

[00:00:00]I lost as much money as I lost hair recently. I want to come clean about one of my biggest trading losses so far in my career and what I am doing with SoFi stock right now. I lost $128,000 in just one day on SoFi, Meta, and Microsoft. On paper, of course, because these are unrealized losses, but definitely this has impacted my portfolio. And now I am 7% off of the all-time high in my portfolio. As you can see, I just dropped a little bit under the 4 mil mark. Now, SoFi is a very significant part of my portfolio and currently have 157K in SoFi and 10,000 shares. I want to discuss SoFi and what happened to it after earnings and how that has impacted my portfolio. So, SoFi is down 16% in the last 1 week despite having a very interesting quarter that actually reported record revenue. Now, specifically on SoFi, this drop wasn't because the business suddenly broke or something fundamentally changed overnight. This was mainly a reaction to expectations getting reset after earnings. If you actually look at the numbers, they're still strong. Revenue came in at around 1.1 billion, which is roughly 40% plus year-over-year growth.

[00:01:09]Earnings came in at 12 cents per share, which is actually double from last year.

[00:01:14]Net income was at $167 million. They also did about 340 million in adjusted EIA and margins around 30%. So profitability is clearly improving. The lending side of the business is still doing most of the heavy lifting with strong demand and solid growth. And that part of the story hasn't changed at all.

[00:01:32]Yet the stock just has not been performing. And this has heavily impacted my portfolio. I'm currently down $56,000 on SoFi. And the other couple of stocks that I mentioned and will mention later in this video have contributed to a total loss of $128,000 for me in just like literally the last 24 hours, which part of it has led to some hair loss and also has been a pretty difficult situation. But I'm going to explain to you step by step how I'm dealing with this situation and what I'm doing next. And I think that's really the most important part for you to understand as an investor. from SoFi's business. They're also still adding users at a strong pace and increasing products per user, which is important because that's what's really driving long-term monetization. On top of that, deposits are growing and helping them fund loans more cheaply, which improves margins over time. So, when you step back and look at the core engine of the business, it's still working exactly the way that they want it to work. The expectations for SoFi are pretty high, and they were clearly not met by most investors. For me, nothing here really changes the core thesis. The company is still growing, still improving profitability, and still executing in its main business lines.

[00:02:38]That doesn't mean the stock can't stay weak or lower in the short term. But based on what we just saw, this looks like a reset in expectations rather than a breakdown in the business itself. Now, the reason why I'm sharing this is not really to complain or to say, "Hey, how bad of an investor I am or to brag about how transparent I am and hey, I lost $128,000." It's not about justifying myself. It's actually the opposite. I want you to see exactly what this looks like in real time when you're trading or investing at a higher level. There is going to be losses. Of course, that is just part of the game because a lot of people online, they only show wins. They show perfect entries and perfect exits.

[00:03:13]And this creates unrealistic expectations that you're supposed to be right all the time, that the market only goes up in one direction, and that if you're correct on a business that the stock is supposed to move in that direction. Well, we can see that even a stock that continues to, you know, perform exceptionally well from a business angle, the stock does not have to move in line, especially in the short term. In the long term, more often than not, it will. But in the short term, expectations can be higher, and that can just clearly put all the fundamentals and numbers in the backseat to what investors want right now. So, if you're looking at other people online that show you only perfect wins and perfect entries, and they make the picture seem too good to be true, well, it's not really like that. There are going to be tough days. There's going to be difficult days and days just like this.

[00:03:57]There's going to be draw downs and the difference is not avoiding them completely. It's how you manage them and how you think through your long-term portfolio strategy. For me, the focus is always the same. Go back to the thesis, look at the data, and decide based on that, based on real numbers, what I think the company will do long term. Not based on emotions, not based on red numbers on the screen. Although my portfolio, you know, was well into the 4.5 range. Now it's sitting under four.

[00:04:22]That's pretty difficult. But long-term, I'm just not concerned because I have a plan in place. That's what keeps consistency over time. And I think that's the value of a channel like mine.

[00:04:32]You're not just going to see wins.

[00:04:33]You're also going to see the full process that I go through. Some of the losses, some of the tough comments that I even received from you guys that, you know, I don't know what I'm talking about. But the fact is in the long term, I have grown a portfolio from five figures to six and then multiple six and then seven. And I've done so transparently online. the good decisions, the the mistakes, the timings, right and wrong. I've been showing that in real time. So, over the long term, if you're a subscriber, I hope that this content has really helped you become a better long-term investor, not hype, not cherrypick trades, but really understanding how this actually works in real time with real money involved. Of course, I'm not a financial adviser, but I'm looking to be transparent and educate you on my process. Now, I've talked about SoFi.

[00:05:13]The other positions that I lost money on were Meta, Hood, and Microsoft. So, let's continue on with Meta. Revenue came in really strong and there was 25 to 30% year-over-year growth with really the main driver being advertising strength. Earnings per share beat expectations and margins improved significantly. Now, ad revenue was the main driver, especially from Instagram and reels with strong engagement and improved ad targeting. So, when I looked at the margins, operating margins expanded back above 35%, which is a really big deal because Meta had compressed margins during really heavy spending periods. Now, AI is the main story and Meta is investing heavily into AI infrastructure, content recommendations, and ad optimization, which is boosting engagement and monetization. So, I'm going to pull up Meta right now because I have a interesting position on Meta. I have 100 shares, but I also have a couple of option positions. So, let me kind of discuss what I'm doing here with Meta.

[00:06:05]So Meta stock over the last 1 month essentially went from, you know, $684.

[00:06:11]It was pushing towards $700 and now we're in the low $600. So you can see how this is a really huge drop and that has really contributed a lot to my $128,000 loss that I am experiencing in my own portfolio. I was up pretty well on the stock and now um you know I'm down 11%. It is a 100 shares worth of uh stock that I hold. It makes up 1.3% of my overall portfolio. One lesson to take away here is that I'm not heavily invested in any one single stock. I have a lot of diversification in my portfolio, but a lot of stocks do move together. Right now, a lot of tech stocks are crashing or pulling back.

[00:06:48]Let's just call it that. And that is affecting my overall portfolio in basically all areas. Now, the options that I'm personally holding, and I actually opened this position up before earnings, and this will just show you that, you know, earnings is a really big deal. I sold a Meta 625 put. Let's go into my history. I just want to show you the history of what I did. So, I did a 625 put here. I did this on April 27th, so just a few days ago, right before earnings, and I did it for a same week expiry. Now, this is I'll call it high risk because, you know, I guess it is pretty high risk. As we can clearly see, it went into the money. Now, Meta was trading for like $684 or so when I opened this trade up and I did a 625.

[00:07:25]So, I went like $60 out of the money, meaning that, you know, Meta would have to fall below 625 for me to, you know, experience any losses or start experiencing some losses since I did collect $6.20 here in terms of premium.

[00:07:38]So, my average cost when I do get assigned, which I probably will depending on where Meta Stock opens up, is going to be about $61,8.80, 80s, which for me is actually pretty nice because had I bought Meta before earnings at 680, I'd be underwater by a lot more than what I'm going to be underwater, which is going to be like 60 618 average cost. And Meta is currently at 609. So, do you know I will be getting assigned, but I'm actually excited about that because what's going to happen is once I get assigned and I'm going to, you know, be forced into, you know, collecting 100 more shares, I'm actually going to average my uh cost lower. So again, you know, I want to be fully transparent. I lost money in the last 24 hours unrealized. But to be honest, overall, I feel pretty good about, you know, the future of the portfolio and the future of uh my community, what we're going to be doing in terms of, you know, driving portfolio growth and acquiring highquality companies for lower cost. So my average cost will actually go down. And, you know, I can actually say that I'm I'm kind of celebrating that Meta didn't have the best performance because that means that I get to purchase the stock for a lower price. Microsoft is another stock that I have been talking about and I want to show you Microsoft on the technical chart. Microsoft, which I made a video on probably a couple of weeks ago, was trading for around $380 per share and I said this is absolutely one of my highest conviction plays and ended up really doing well. However, after earnings, Microsoft stock is down about 1.66%. So overall, again, not really hot earnings. This also contributed to some losses in my portfolio. However, I think there's a lot of stability within Microsoft. We don't see it really coming down 10 to 15%. And in some ways that's kind of bad because I wish it was down 10 to 15%. It would be around this $370 level because that is the level where I see Microsoft as a steal at $417 per share. I see it as around 10% undervalued because the long-term value of Microsoft for me is about $450 per share based off of the financial model that I made and I showed you guys in my previous video. Microsoft is investing heavily into AI infrastructure and data centers, which is great long-term, but in the short term, it puts pressure on margins and makes investors more cautious. What we're seeing right now is just really investor caution. This does not impact the long-term value of the stock at all. Now, the next stock that affected my portfolio is Robin Hood. A big factor is that options and crypto activities slow down, and those are major revenue drivers for Robin Hood.

[00:09:56]So, when volume drops, revenue gets hit really quickly. Options volume and crypto prices are the biggest weakness now and they are very hard to predict. I think option trading popularity will continue to grow with retail traders and that will boost Robin Hood volume. Robin Hood makes a lot of fees off of crypto.

[00:10:13]So when crypto isn't doing so well, Robin Hood's revenue just isn't where it's going to be at when crypto is pumping. Now option volume is where they also make a lot of money. So whenever we're using Robin Hood, you know, as investors ourselves and we're making option trades, they are collecting significant fees because they're selling our order flow and it's called pay for order flow to hedge funds that take, you know, the other side of the positions that we're opening up as retail traders.

[00:10:37]Robin Hood, I think, is a stock that will do really well in the future, pretty similar to SoFi. Both of them are fairly correlated, meaning that they both go down together when the market sentiment isn't so good. However, I really think that right now we're just experiencing bad market sentiment. So although my portfolio is, you know, 7% off highs and I've lost pretty significant money and this month is going to be a harder cash flow month for me personally, I'm still pretty confident about the future of the stock market and the stocks that I'm holding.

[00:11:03]What led to my short-term current losses isn't really fundamentals. I'm a fundamental investor who looks at the market long-term, and I'm also a long-term bull. What's happening, and the reason for the pullback that, you know, I'm experiencing and that you're most likely experiencing isn't really rocket science. It's really just emotions, investor psychology, bad sentiment. Uh, part of it could be positioning and our position sizes as well as expectations are just resetting overall, guys. And that's fine. Markets are supposed to reset. If markets only go up, they start to become bubbles. And bubbles will burst a lot harder. So, it's actually a lot better for markets to reset, pull back, and have short resets, which, you know, are negative, but they're not massively negative to the point where they're falling and crashing 20, 30%. I'd rather, you know, give back, you know, in my example, 7%.

[00:11:50]That's what I personally kind of gave back to the market. That's fine. That's a reset. As long as we're resetting and kind of getting back on track, I think the short-term pain that we're feeling now is is fine. It's a healthy part of being in the market. So, for me, this is part of the process. You're going to have days like this, especially when you're optimizing and operating at size.

[00:12:09]The key is staying disciplined, sticking to the thesis, and managing risk. So, one move doesn't really affect you and make you quit option trading and quit investing and really start making a bunch of bad decisions and giving up on this process. This is actually a great time to learn more about trading to have that long-term perspective. And one way that I'm managing my trade on SoFi is by rolling. So, this is a great time to review my latest free course on rolling.

[00:12:32]That's what I did yesterday and that's also what I'm going to do today to further improve my position. You can watch my free course here on YouTube right now on the screen. You can also book a free consultation to discuss your position and if learning more about how to manage this difficult market environment can help you.