Moonshot stocks, ring rewards, and fire-drill finances. Financially Enabled #82 June 12th, 2025

Retail investors pivot to small-cap AI rockets while a credit-card ring sets Ramsey ablaze. Wildfire survivors win extra tax breathing room, Floridians battle yet another insurance bump, and aluminum tariffs crank up costs from beer cans to pickup trucks. Scan the stories, snag the tips, and see which move lands on your money map.

Retail investors ditch the megacaps for scrappy AI wannabes

Remember when Nvidia felt like the only AI ticket in town? Last week, small-cap data-center darlings like Applied Digital and CoreWeave soaked up a 150 % jump in retail inflows while Nvidia money leaked out. Vanda Research says the switch is classic profit-taking after April’s tariff panic rebound, but it also screams “fear of missing the next ten-bagger.” New money is chasing quantum-computing minnows D-Wave and Rigetti, betting cheap shares plus a whiff of AI pixie dust equal rocket fuel. Of course, late-stage rallies love cliff-dives - so what’s your move? Share your guardrails or your moon-shot in the comments. investopedia.com

Logic. Smaller names pop hardest when speculation peaks - so expect wild swings.
Feeling it. Snagging a $4 stock can feel like holding a lottery ticket - just don’t wager rent.
Action. If curiosity wins, cap the gamble at money you’d blow on a weekend trip and set a trailing stop before the hype train brakes.

Pay for love with cash,” Ramsey barks - credit-card fans clap back

Caller finances an $11 k engagement ring on a 0 % card, bragging he’ll pocket 4 % interest on savings. Dave Ramsey dry-heaves: “Enough to buy a biscuit now cut up the card.” He warns one missed payment morphs “free money” into 28 % misery. Meanwhile, NerdWallet reminds rewards lovers that swipe-fee reforms could slash perks, so squeezing points now may be peak season. Two voices, same week, polar opposite vibes. Have you ever gamed a 0 % promo without getting burned? Tell the group. benzinga.comnerdwallet.com

Logic. The math only works if you guarantee payoff before the teaser dies.
Heart. Nobody wants Bank of America listed in their wedding vows.
Action. Set an auto-pay for the full balance three weeks before the promo ends or skip plastic and hunt a 10 % off jeweler cash discount instead.

Wildfire victims snag a giant tax-deadline mulligan

If your zip code sits in fire-scorched Los Angeles County, every federal form originally due after Jan 7 can now wait until Oct 15. The IRS is even waiving failure-to-pay penalties and letting affected filers claim 2025 disaster losses on last year’s return for faster refunds. Translation: paper cuts can heal before paperwork returns. Know someone juggling receipts and roof repairs? Forward this lifeline. irs.gov

Logic. Deferring April taxes keeps cash on hand during rebuilds and avoids 5 %-per-month late fees.
Heart. Breathing room matters when the living room is smoke-stained.
Action. Flag FEMA number 4856-DR atop every form and talk to your tax pro about amending 2024 for an immediate relief check.

Florida homeowners get another mini hike - 0.3 %, but 40 % since 2022

The Sunshine State’s latest insurance-rate report shows a 0.3 % uptick for Q1, the ninth increase in ten quarters, pushing Central Florida premiums roughly 40 % above 2022 levels. Lawmakers tout “historic reforms,” yet re-insurance costs and storm damage keep nibbling wallets. Feeling rate fatigue? Tell us the oddest home-hardening hack you’ve tried. wusf.org

Logic. Every 1 % premium rise on a $3,000 policy is $30 you never re-coup.
Heart. A roof upgrade costs less pain than a surprise $800 renewal bill.
Action. Call three independent agents, raise the deductible, and ask about wind-mitigation inspections-savings often beat the inspection fee within a year.

Tariff turbo-charges aluminum premiums to record highs (Economic Conflict)

Trump’s steel-and-aluminum levies just doubled to 50 %. Within 48 hours, Midwest aluminum premiums spiked to a record 60 cents per pound-adding roughly $200 to the raw cost of a standard pickup truck and squeezing everything from beer cans to solar frames. Canada and Mexico threaten counter-punches, while U.S. builders brace for pricier beams. Spot any “tariff surcharge” on your latest quote? Snap a pic and share. reuters.com

Logic. Metal costs ripple through appliance and auto prices within weeks.
Heart. Paying extra for the same six-pack stings more than the can’s recycle value.
Action. Lock in big home-improvement bids now and consider pre-buying aluminum gutter or siding materials before wholesalers update price lists.

Did these five nuggets spark an aha-or a face-palm? Reply with your best money win or forward this to a friend who needs a smarter feed. Next week: the quiet tax move that could shave four figures off 2025 returns. Stay tuned and stay savvy!

You Don’t Need a Good Idea, You Need a God Idea
Speaker: Myron Golden

1. Biblical Frameworks for Life and Success:
   Myron emphasizes that the Bible is not just a religious text but a guidebook filled with frameworks, principles, and precepts for living a successful life. He encourages viewers to look beyond the stories and seek out actionable structures that can guide decision-making and mindset.

2. Faith as the Foundation of Understanding:
   He explains that true understanding comes through faith, not the other way around. Faith is the ability to believe in outcomes we desire, while doubt is belief in the outcomes we don’t want. Both are forms of belief—but they lead to very different life experiences.

3. Framing Determines Outcome:
   Myron teaches that every fact has both a positive and negative side. How we “frame” these facts—meaning the perspective we choose—determines whether we experience faith or doubt. The frame we apply has more power than the fact itself.

4. Anxiety Is Manufactured Through Doubt:
   When we focus on the negative side of a fact, we manufacture doubt, which leads to anxiety. Myron points out that anxiety is a waste—Jesus and Paul both warned against it. Instead, focusing on the positive side of facts generates faith, anticipation, and action.

5. Belief Requires Discipline and Vision:
   Believing in a positive outcome takes more mental discipline than expecting failure. Myron encourages viewers to visualize favorable outcomes more often, trust God’s promises over their own limited understanding, and practice asking empowering questions that lead to action and transformation.