Wrote before the sun came up.

Not for clicks.
Not for virality.

Just to get sharper.

And help a few people compound better.

Every 10-bagger starts as “boring.”

The best opportunities don’t shout.

They whisper:
> Consistent margins
> Repeatable growth
> Owner-operator mindset

Listen closely.

Here are some companies I'm excited about for the future 👇🏻

Nu Holdings | $NU
Oscar Health | $OSCR
S&P Global | $SPGI
Visa | $V
ASML Holdings | $ASML
Kinsale Capital | $KNSL
Lemonade Inc. | $LMND
Hims and Hers | $HIMS

What company am I missing? 👀

Most people want freedom.

Few are willing to work quietly for years to earn it.

If you invest with patience and write with purpose, you’re already ahead.

Want a quick investing filter?

Look for:
• High ROIC
• Low debt
• High insider ownership
• Simple business model

That alone filters out 90% of the noise.

Here’s something you’ll rarely hear:

> The best-performing investors… buy fewer stocks.

• They go deeper, not wider.
• They study for months.
• And they wait like snipers.

Diversification is for protection.
Concentration is for conviction.

7 high-quality mid-caps that are quietly compounding, setting themselves up for tremendous success.

Curious which made the list?

Start reading! 👇🏻
fluentinquality.substack.com/p/7-high-qua...

My investing values:

• Quality over hype
• Patience over prediction
• Ownership over FOMO
• Simplicity over complexity

This isn't just about money, it's about peace of mind.

Warren Buffett made 99% of his wealth after age 50.

Why?

Because he never stopped:
• Reading
• Thinking
• Investing in quality

Your edge isn’t timing, it’s staying in the game.

Want to build real wealth?

Then stop asking:
> “What will go up next?”

Start asking:
> “What can compound forever?”

That question changes everything.

Top 1% investors:

• Stay calm
• Read constantly
• Think independently
• Take full responsibility
• Adapt when the facts change
• Hold a strong conviction long-term
• Let compounding work for decades

I remember buying my first stock in 2020.

• Didn’t know what ROIC meant.
• Didn’t read the 10-K.
• Just vibes.

Now I read investor decks like novels.

Growth takes time.
But it stacks quietly.

François Rochon is undoubtedly one of the best quality investors alive.

With minimal effort, he achieved an annualized return of 15% since July 1, 1993.

Here's how he did it in 5 easy steps and how you can do it too:🧵

When I was 19, I was:

1. Addicted to nicotine
2. Addicted to video games
4. Addicted to spending recklessly/not saving & investing

Now, at 27, I am:
1. Addicted to fitness
2. Addicted to reading
3. Addicted to investing in the best companies in the world

Choose your addiction.