Some Appreciations


I have received literally hundreds of emails of appreciation for the board and how it has changed the writer’s life, and his or her family’s life. About a year ago I received this heartwarming email and posted it (very slightly edited) anonymously (with permission). It’s messages like this that make all the hard work we do on the board worth while.

Dear Saul, Sorry in advance, this is going to be a long winded, appreciative message.

I am a single mom in my late 20s. About 3 years ago I was divorced, in large amounts of medical debt and credit card debt. I had been in a marriage where my ex husband was in control of the finances but he had a spending problem. After we separated, I worked 60+ hours a week as a full time mom of a 6 month old in order to get out of debt and build a nest egg. I was exhausted but determined. I started reading… budgeting/financial books to help me learn how to use my money wisely.

Once I was out of debt and had my nest egg, I kept reading up on finances, it had become such an interest to me. I was determined to change my situation and not have to work 60+ hours forever! And besides advancing my career (I do have a good degree in Biochemistry, but there aren’t a lot of job opportunities here for that), the only other way to get ahead of the grueling hours seemed to be investing. So I made a decision about two years ago to learn how to invest. I started reading books by people like Jim Cramer, Warren Buffett, Robert Kiyosaki, Tony Robbins. Then I came across your board about a year and a half ago. After reading the boards and your articles for a few months, I adopted your methods for investing, as they made the most sense to me.

I started my first positions in August of last year, which was EXACTLY the same week that it seemed all the SAAS stocks at the time went down dramatically. It was terrifying, and I felt like I was failing. But I believed in it, stuck it out, and kept learning.

2020 has been a very tough year in a different way. Right before Covid hit I moved money to cash in my individual account, because I was needing money for a down payment on a house. Then when prices went down, I bought back some of the high confidence stocks at a low price. Then investing took a back seat while I dealt with two major surgeries, and for over 6 months I didn’t pay hardly any attention to my stocks. I have recently gotten back into it, and at first I was very scared (“Wow, this could have turned out really bad just ignoring my stocks like that!”) And I was upset about all the opportunities I missed out on! I had been looking into ZM, PTON, TDOC, LVGO, and others, but never pulled the trigger on them… I felt like I had too much going on in my life to really pay attention. All these stocks that did so well since March! And I was feeling upset with myself that I didn’t get a 250% portfolio increase like you and other seasoned investors on the board. But you know what? I’ve still had 136% profit this year! And to me, with everything that’s happened this year, I am very grateful!

I’ve taken your advice on getting a membership with some of the services. I’ve started with Stock Advisor, and I plan to do MF Rule Breakers and TickerTarget soon too. That way I can start finding good stocks and do my own research on them even before they’re introduced on your board. But I am SO grateful for you and all the other seasoned contributors on your board. You all have been so incredibly life changingly helpful!

One of the most helpful tools beyond the Knowledgebase articles, is the monthly portfolio updates, from you and the others. Reading through those every month, seeing your reasoning behind your decisions, has really helped me learn how to make decisions for my own portfolio. I still have SO much to learn, but I look back from a year and a half ago, and can see that I’ve grown so much as an investor.

I just want to express my gratitude for all the knowledge you all have provided freely on this board. Your knowledge and insight have helped this mom and her daughter gain the tools necessary for our path to financial independence. I feel confident now that I am able to change my story. And eventually I’ll be able to pass down my knowledge to my daughter, for her to live a life of financial freedom. Thank you from the bottom of my heart!

Then a couple of days ago, I received the following, from an entirely different kind of situation, showing the amazing variety of people who are helped by the board, also slightly edited:

Saul, I just want to say thanks! This board has potentially been a life changer for me. In May 2020 I lost my job working overseas in the oil and gas industry offshore on a drilling rig due to covid, and oil use consequently slowing down. I was in that career for 22 years. Prior to losing my job I started trying to purchase my own ETF’s via Vanguard instead of being put in funds through an investment advisor. Then in 2019 I found Motley Fool and had some pretty good success following them.

In April 2020 I found this board, and as soon as I read the knowledgebase and it described trying to buy some of the best companies instead of a fund, it struck a chord with me right away and I knew this was for me. I’m still learning, I decided to work on the psychological aspect along with terminology first. I read almost all the main portfolio updates and company posts. I started a new job driving a propane truck in 2020 and New Year’s Eve had a bad accident which I walked away luckily, I was back to work a month later.

With the returns I’ve received since April 2020 I am now retired, with going back offshore as my backup plan. I’m only 43 but now have the gift of doing everything with my kids everyday. Things have a funny way of working out! I had want to say thanks for a while but was too nervous.

In the last few weeks I’ve made a few big investment decisions on my own without waiting to see what the board had for opinions, I held on to Lightspeed after the short attack which I still say was right based on what I had for info at the time, but after their following earnings I sold out completely without knowing what the main members of the board were doing. I held onto all my shares of Upstart even though others reduced or sold out, I had trimmed though at 385 and 390 and after that at my highest Upstart position was 24%, I feel strongly their story is still intact but maybe delayed a little. Their TAM is still just barely beginning. At their next earnings release I’m looking for revenue qoq to increase from the last one which if they have the same beat as their last earnings it will be. Yesterday I took a 5% position in Snowflake on my own based on the last earnings. 173% DBNRR and accelerating is impressive on its own!

Anyway I just wanted to give you a few examples of someone learning from the resources of the board, who has no investment background, and I feel I’m progressing to confidently make picks and decisions on my own without guidance from the board! Thanks again it’s definitely helped my family and they all appreciate how things have worked out!

And there we are, from a single mom to an offshore rigger. It really makes me feel good, and it should make you feel good too. This is an example of the good we do on this board. We crowdshare, we learn, we help people, we help each other, and we help others. And I want especially to thank all of you who contribute so much of your ideas, analysis, and wisdom to the board. I certainly couldn’t have done it all by myself!

Best to you all,



And I want especially to thank all of you who contribute so much of your ideas, analysis, and wisdom to the board. I certainly couldn’t have done it all by myself!

And our board members (while probably more than half are in the USA), are connecting from Singapore to Crete, from India to Denmark, from Brazil to Australia, to Canada, to Japan, to England, to South Africa. It’s just amazing where the people you are talking to are talking from, and what a world-wide community we are. And those are just (some of) the ones I know about. :grinning:



It’s just amazing where the people you are talking to are talking from, and what a world-wide community we are.

Agreed. This community is so large and diverse that it’s almost like a business. Just like a business, we have a smart, more than competent COO.

In such businesses the COO usually has a clear, well thought out Succession Plan.

Saul, we all hope this board does not need a Succession Plan for a long, long time, but I, for one, would be more comfortable if we knew that you had one. “You would be missed” is a huge understatement.