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# ![@bjmtweets Avatar](https://lunarcrush.com/gi/w:26/cr:twitter::491779424.png) @bjmtweets Brian McCormick

Brian McCormick is not mentioned in the provided tweets. However, the tweets appear to be discussing various stocks, including $ROOT, $LMND, and $UPST, with users sharing their opinions and analysis on the companies' performance and potential. The most discussed stock seems to be $ROOT, with users commenting on its growth prospects, partnerships, and short float.

### Engagements: XXXXX [#](/creator/twitter::491779424/interactions)
![Engagements Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::491779424/c:line/m:interactions.svg)

- X Week XXXXXX -XX%
- X Month XXXXXXXXX +724%
- X Months XXXXXXXXX +11%
- X Year XXXXXXXXX -XXXX%

### Mentions: XX [#](/creator/twitter::491779424/posts_active)
![Mentions Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::491779424/c:line/m:posts_active.svg)

- X Month XXX +122%
- X Months XXXXX +96%
- X Year XXXXX +290%

### Followers: XXXXX [#](/creator/twitter::491779424/followers)
![Followers Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::491779424/c:line/m:followers.svg)

- X Week XXXXX +1.20%
- X Month XXXXX +3.40%
- X Months XXXXX +87%
- X Year XXXXX +233%

### CreatorRank: XXXXXXX [#](/creator/twitter::491779424/influencer_rank)
![CreatorRank Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::491779424/c:line/m:influencer_rank.svg)

### Social Influence

**Social category influence**
[cryptocurrencies](/list/cryptocurrencies)  #3961 [finance](/list/finance)  [stocks](/list/stocks)  [automotive brands](/list/automotive-brands)  [technology brands](/list/technology-brands)  [products](/list/products) 

**Social topic influence**
[$root](/topic/$root) #3, [$lmnd](/topic/$lmnd) #128, [lmnd](/topic/lmnd) #24, [insurance](/topic/insurance) #420, [$path](/topic/$path) #61, [$pgr](/topic/$pgr) #1, [business](/topic/business), [solve](/topic/solve) #1742, [ai](/topic/ai), [market cap](/topic/market-cap) #311

**Top accounts mentioned or mentioned by**
[@neilx10](/creator/undefined) [@paperbaginvest](/creator/undefined) [@leinad7331](/creator/undefined) [@kabraxfx](/creator/undefined) [@jakebrowatzke](/creator/undefined) [@stockmarketnerd](/creator/undefined) [@andycyau](/creator/undefined) [@realjimchanos](/creator/undefined) [@henryinvests](/creator/undefined) [@cedarreseach](/creator/undefined) [@bagelc47](/creator/undefined) [@nicklamparelli](/creator/undefined) [@jakemruth](/creator/undefined) [@shadyjosh5](/creator/undefined) [@ironicape](/creator/undefined) [@informedbyian](/creator/undefined) [@andersreiche](/creator/undefined) [@creativecap89](/creator/undefined) [@bradsferguson](/creator/undefined) [@mmmtwealth](/creator/undefined)

**Top assets mentioned**
[The Root Network (ROOT)](/topic/$root) [Lemonade, Inc. (LMND)](/topic/$lmnd) [UiPath, Inc. (PATH)](/topic/$path) [Progressive Corp (PGR)](/topic/$pgr) [Return to Beginnings (ROOTS)](/topic/$roots) [Klarna Group (KLAR)](/topic/$klar) [RAI Finance (SOFI)](/topic/$sofi) [Hims & Hers Health, Inc. (HIMS)](/topic/$hims) [Upstart Holdings, Inc. Common stock (UPST)](/topic/$upst) [Affirm Holdings, Inc. Class A Common Stock (AFRM)](/topic/$afrm) [4 (FOUR)](/topic/$four) [DLocal Limited Class A Common Shares (DLO)](/topic/$dlo) [AMP Token (AMP)](/topic/$amp) [Advanced Micro Devices (AMD)](/topic/$amd) [Carvana Co. (CVNA)](/topic/$cvna) [ZetaChain (ZETA)](/topic/$zeta) [Amazon.com, Inc. (AMZN)](/topic/$amzn)
### Top Social Posts
Top posts by engagements in the last XX hours

"Pay attention $UPST said the economy is U shaped not K. 720-750 credit score range is the most distressed. This is being confirmed elsewhere. AI is not carving out subprime labor it's currently carving out white-collar jobs that are super-prime. $SOFI $AFRM $KLAR"  
[X Link](https://x.com/bjmtweets/status/1990463691440206334)  2025-11-17T16:54Z 4758 followers, 4696 engagements


"$FOUR vs $DLO in X charts Chart 1: Gross Profit Four is growing gross profit significantly faster"  
[X Link](https://x.com/bjmtweets/status/1990523744381730994)  2025-11-17T20:53Z 4758 followers, 20K engagements


"Bought more $ROOT"  
[X Link](https://x.com/bjmtweets/status/1991220707611800021)  2025-11-19T19:03Z 4759 followers, 2960 engagements


"$LMND & $ROOT have a major advantage over legacy insurance. No tech debt. Here is an active job posting from State Farm. They need people to maintain critical systems with programming languages from the 1950s. Good luck re-writing and modifying that code without crashing critical infrastructure. They can't adapt like insurtechs. There's a reason $PGR is ahead of State Farm. And why $LMND and $ROOT will be too (eventually)"  
[X Link](https://x.com/bjmtweets/status/1991589274408611885)  2025-11-20T19:27Z 4757 followers, 2945 engagements


"Hedge funds bought $LMND big time in Q3"  
[X Link](https://x.com/bjmtweets/status/1992972422145064991)  2025-11-24T15:03Z 4758 followers, 3789 engagements


"@HenryInvests @Rebellionaire Short interest has also gone down 5-6% recently. Similar at $LMND"  
[X Link](https://x.com/bjmtweets/status/1994422172241265132)  2025-11-28T15:04Z 4758 followers, XXX engagements


"$KLAR BNPL is outperforming credit cards by a wide margin in terms of credit losses Klarna loans are shorter duration rather than open-ended and approved by item"  
[X Link](https://x.com/bjmtweets/status/1995556950537572363)  2025-12-01T18:13Z 4759 followers, 1274 engagements


"By nature $KLAR BNPL will have better losses than the credit card industry. Here's two big reasons why: Loans are approved by item Credit cards are a blank check. Klarna can make item by item decisions. Credit cards do not. Being late to pay on a single item can turn off BNPL for all other purchases. Credit cards just stack debt to the limit. Defined payback periods Klarna sets clear expectations. Pay in XX days or pay in X. Credit cards are ambiguous open-ended. When you set expectations up-front people are more likely to follow them"  
[X Link](https://x.com/bjmtweets/status/1995560883133841600)  2025-12-01T18:29Z 4759 followers, 2962 engagements


"Reminder about $PATH after hours Numbers themself don't mean a lot here What matters to the story is Maestro growth. We don't know that yet from top or bottom line numbers. Commentary on aggressive Maestro adoption = bullish Commentary on slow sales cycle for Maestro = bearish"  
[X Link](https://x.com/bjmtweets/status/1996335856035283269)  2025-12-03T21:48Z 4759 followers, 3432 engagements


"$PATH CFO: "For the short term there is nothing material around agentic implementations.""  
[X Link](https://x.com/bjmtweets/status/1996352205042196922)  2025-12-03T22:53Z 4759 followers, 5217 engagements


"Overall here is my impression of $PATH quarterly call They presented themself as the Legacy RPA business. They believe this business will continue to grow. The language was around "stabilizing" the business. Maestro was framed as a tool to improve legacy "stickiness" and be a more whole platform. They did not choose to frame Maestro as a revolutionary orchestration tool for enterprise or as a product to on-board many new customers etc. They choose to frame it as a way to improve their current RPA legacy offerings. There is a large disconnect in how UiPath is framing Maestro and the business"  
[X Link](https://x.com/bjmtweets/status/1996357037232705667)  2025-12-03T23:13Z 4758 followers, 10K engagements


"$ROOT remains my top allocation XX% Y/Y revenue growth P/E around XX Half the new book doubled y/y 1/4 the new book grew 3x y/y Structural advantage against legacy 100x TAM industry Founder led with significant skin in the game Checks all my boxes"  
[X Link](https://x.com/bjmtweets/status/1996437199697654045)  2025-12-04T04:31Z 4758 followers, 2246 engagements


"Here is $PATH's ARR increase by quarter Charts are: LTM basis quarterly and y/y"  
[X Link](https://x.com/bjmtweets/status/1996670044219363625)  2025-12-04T19:56Z 4759 followers, 2705 engagements


"@jaybananabread @_samputnam Reading the income statement is Alpha now lol"  
[X Link](https://x.com/bjmtweets/status/1997134286542328094)  2025-12-06T02:41Z 4759 followers, XX engagements


"@ericjackson Eric I recommend $ROOT Carvanas partner in insurance. Growing half its book at XXX% y/y Huge TAM Tiny market cap at $1B"  
[X Link](https://x.com/bjmtweets/status/1997151546325585985)  2025-12-06T03:50Z 4758 followers, XXX engagements


"@nikoliasgoninus Why have wage earners and Doctors pay double the rate as people making 10-1000x more off passive investing How does that make sense"  
[X Link](https://x.com/bjmtweets/status/1997805300301373790)  2025-12-07T23:07Z 4758 followers, XX engagements


"I notice many legacy insurer commentators gloss over the fact that $PGR is really a dot com era standard business. They are winning because their systems were built largely in 90s for standard. Not during the 50s and Cobol era like others. $LMND $ROOT"  
[X Link](https://x.com/bjmtweets/status/1992389672383971363)  2025-11-23T00:28Z 4759 followers, 2835 engagements


"$ROOT CEO does not give a #$&@ They literally went years without campaign branded ads The homepage is a X year old iPhone from IPO This is the guy who ignores everything but the essential highest ROI use of resources The jobs application page is almost all data science"  
[X Link](https://x.com/bjmtweets/status/1996450785400602753)  2025-12-04T05:25Z 4759 followers, 3950 engagements


"$PATH new customers by quarter on a last twelve month basis. Number of new $1M ARR customers is actually decelerating growth"  
[X Link](https://x.com/bjmtweets/status/1996663546516852774)  2025-12-04T19:31Z 4760 followers, 4939 engagements


"$ROOT TTM Net Income"  
[X Link](https://x.com/bjmtweets/status/1996732532419956789)  2025-12-05T00:05Z 4759 followers, 3400 engagements


"The $ROOT opportunity as explained by Moneyball Sometimes the best ROI is a dorky pitcher that doesn't look the part and has a pitch people make fun of but has great stats and wins games. Everyone is underpaying him because they are paying for the star look over the star stats"  
[X Link](https://x.com/bjmtweets/status/1996996984063017090)  2025-12-05T17:35Z 4760 followers, 1248 engagements


"$ROOT has an XX% short float. That's a lot. What exactly are they hoping to accomplish Root isn't particularly expensive. Nor are they particularly failing in any way. It's basically shorting sentiment. Will be covered quickly when sentiment changes"  
[X Link](https://x.com/bjmtweets/status/1997050740234437114)  2025-12-05T21:09Z 4760 followers, 1448 engagements


"@_samputnam $ROOT is profitable. P/E in 20s"  
[X Link](https://x.com/bjmtweets/status/1997133958778392950)  2025-12-06T02:40Z 4760 followers, 1606 engagements


"@ericjackson Have you put $CVNA's partner $ROOT on your watchlist My highest conviction stock"  
[X Link](https://x.com/bjmtweets/status/1997432713234768301)  2025-12-06T22:27Z 4760 followers, XXX engagements


"@maravilla_chris I agree. $ROOT will be my largest position regardless of how much I tax harvest"  
[X Link](https://x.com/bjmtweets/status/1997806005821079941)  2025-12-07T23:10Z 4760 followers, XXX engagements


"@nikoliasgoninus No taxes would be nice but obviously that doesn't work I agree with Buffett on raising capital gains or effective tax rate for ultra wealthy and if able lower it for wage earners Doesn't make sense to have lower tax rates for ultra wealthy investors than Doctors & workers"  
[X Link](https://x.com/bjmtweets/status/1997808744177275333)  2025-12-07T23:21Z 4759 followers, XXX engagements


"To validate $PATH bull thesis I want to see: 👉 Increase in new enterprise customer growth. This will show Maestro is opening up their TAM. Small incremental gains are nice But. SBC was XX% of revenue. That's high dilution for XX% growth"  
[X Link](https://x.com/bjmtweets/status/1996679296287641985)  2025-12-04T20:33Z 4760 followers, 4424 engagements


"If $ROOT stays below $XX will likely tax loss harvest a portion in a few weeks. Mostly like place to park those funds is $PGR ATM"  
[X Link](https://x.com/bjmtweets/status/1997724285021106398)  2025-12-07T17:46Z 4760 followers, 2857 engagements


"@Leinad7331 @PaperBagInvest Longterm capital gains tax rate appears to be a major (hidden) force in those of us moving around funds vs not"  
[X Link](https://x.com/bjmtweets/status/1995874284980633834)  2025-12-02T15:14Z 4760 followers, XXX engagements


"@jakebrowatzke @tfanalytics1 I'm searching for the aha moment but haven't found it. I've written off every stock I've owned before owning it. $LMND $ROOT $AMD etc. What do you think I'm missing Based on my interpretation of Dines commentary and Maestro/Path"  
[X Link](https://x.com/bjmtweets/status/1996740322869862845)  2025-12-05T00:36Z 4760 followers, XXX engagements


"@nikoliasgoninus Buffett says it's outrageous his secretary has to pay twice the tax rate"  
[X Link](https://x.com/bjmtweets/status/1997789226440745079)  2025-12-07T22:04Z 4760 followers, XXX engagements


"@nikoliasgoninus Theoretically the tax rate gets higher. But in reality the effective tax rate gets lower. Hence why Buffett's secretary pays twice his tax rate High wage earners like Doctors end up with the highest effective tax rates as a result while those living off capital gains do not"  
[X Link](https://x.com/bjmtweets/status/1997795066975502701)  2025-12-07T22:27Z 4760 followers, XX engagements


"@Neil_X10 @Leinad7331 If you have the best risk to rate pricing the most cost effective way to massively scale is through IAs. Partner POS is next. Then direct. Captive agents would be last. Gemini explains here"  
[X Link](https://x.com/bjmtweets/status/1998183018822066192)  2025-12-09T00:08Z 4760 followers, XX engagements


"@Leinad7331 @Neil_X10 Its a constraint vs $LMNDs peer group. SaaS has no RBC limiting growth speed"  
[X Link](https://x.com/bjmtweets/status/1998411278247961003)  2025-12-09T15:15Z 4760 followers, XX engagements


"@Leinad7331 @Neil_X10 $LMND is fundamentally more aligned to solve automation as the main focus which at this time mostly affects LAE. For Car which is where guided scale is coming from LAE is a much smaller driver of present profits. As a few % LAE doesn't shift the needle"  
[X Link](https://x.com/bjmtweets/status/1998415638503842166)  2025-12-09T15:33Z 4760 followers, XX engagements


"@Leinad7331 @Neil_X10 $ROOT's entire org is set to solve immediate scale and profits with Car. $LMND org is split resources across many lines & focuses. For example they have a big Home book. That home book drags RBC. It also requires them to keep up rate filings and dedicate resources"  
[X Link](https://x.com/bjmtweets/status/1998416676300456286)  2025-12-09T15:37Z 4760 followers, XX engagements


"@Leinad7331 @Neil_X10 Because of them trying to solve so many policy types $LMND is benefited by solving for autonomy. And LAE because of nature of Pet/Renters"  
[X Link](https://x.com/bjmtweets/status/1998417084225855521)  2025-12-09T15:38Z 4760 followers, XX engagements


"@Leinad7331 @AndersReiche @Neil_X10 @jaybananabread I don't either. Anders brought that up"  
[X Link](https://x.com/bjmtweets/status/1998450704072278109)  2025-12-09T17:52Z 4760 followers, XX engagements


"$ROOT testing the previous low hammer candle"  
[X Link](https://x.com/bjmtweets/status/1991562474576076883)  2025-11-20T17:41Z 4758 followers, 1962 engagements


"$LMND's lowest P/S ratio was XXXX. This was when the stock was beat down to $XX from massive inflation & high net losses Today $ROOT has $PGR level loss ratios half the book growing XXX% XX% rev growth and is profitable P/S ratio is .87 😲 Asymmetric opportunity is massive"  
[X Link](https://x.com/bjmtweets/status/1996737522651861482)  2025-12-05T00:24Z 4760 followers, 6232 engagements


"If you aren't invested in $ROOT and want to know why it is my largest position here is the thesis: (drop a comment for any questions you have) Root Thesis - Goal of becoming #1 personal insurance carrier in US - Profitable and growing - PGR level loss ratios (the gold standard) - IA channel growing 3x y/y (1/4 of new book) - Partner channel growing XXX% y/y (1/2 of new book) - Lots of TAM ahead in both the above - Direct channel growth was soft last two quarters. Insurance is in "hard market" so high direct ad competition. This transition is complete so moving forward A/B ad improvements will"  
[X Link](https://x.com/bjmtweets/status/1996993383378882998)  2025-12-05T17:21Z 4760 followers, 6002 engagements


"$ROOT is getting serious on brand awareness (mid and upper funnel marketing). Is the campaign-less brand phase over"  
[X Link](https://x.com/bjmtweets/status/1997029938722214109)  2025-12-05T19:46Z 4760 followers, 2440 engagements


"@Leinad7331 $ROOTs investments are moat building and affect numbers more than $LMND. It shows in bottom line Eventually customer service AI chatbots you can buy off the shelf. There is no first mover adv But being embedded partners with POS in car is a land grab with switching costs"  
[X Link](https://x.com/bjmtweets/status/1998047771329482787)  2025-12-08T15:11Z 4758 followers, 1013 engagements


"@Leinad7331 $LMND is solving for LAE to solve scale by saving here to grow Renters/Pet to cross sale $ROOT is solving for POS/IA to solve scale. Its more direct and also quicker and focused"  
[X Link](https://x.com/bjmtweets/status/1998052948950368611)  2025-12-08T15:31Z 4758 followers, XXX engagements


"@Neil_X10 @Leinad7331 $LMNDs pet and renters business are LAE dependent as well as car cross sales. They invest heavily in solving LAE. For Car LAE is much less a factor. Especially saving a few percent (ROOT already 6-7%). However being POS embedded and having major IA funnels are massive"  
[X Link](https://x.com/bjmtweets/status/1998055728297447602)  2025-12-08T15:43Z 4758 followers, XXX engagements


"@Neil_X10 @Leinad7331 Much of Root's R&D is for building B2B products like POS. Once Carvana Hyundai and others have embedded partners they are less likely to switch. It will be harder to win in future Whereas reverse is true for LAE automation. Those solutions will be more developed and cheaper"  
[X Link](https://x.com/bjmtweets/status/1998075032015372326)  2025-12-08T16:59Z 4758 followers, XXX engagements


"@Neil_X10 @Leinad7331 Most of the terminal value of both companies is assigned from potential Car growth. If you asked me to design the best car insurer for the next decade LAE would sit below other factors"  
[X Link](https://x.com/bjmtweets/status/1998083338788323371)  2025-12-08T17:32Z 4760 followers, XXX engagements


"$ROOT's approach to car insurance: X. Solve risk to rate (pioneer in mobile telematics) President wrote PhD papers on insurance pricing CEO loves AI/ML actuarial science X. Build better embedded products to distribute this risk to rate X. Be a lean modern tech stack business"  
[X Link](https://x.com/bjmtweets/status/1998101669436076061)  2025-12-08T18:45Z 4760 followers, 1783 engagements


"$CVNA up XXX% YTD $ROOT flat Discrepancy in the market that won't last for long. Root will not only grow from Carvana as a strategic partner but also also from its IA channel and new embedded partnerships on the way"  
[X Link](https://x.com/bjmtweets/status/1998122313506787577)  2025-12-08T20:07Z 4760 followers, 1395 engagements


"$ROOT could be a $10B business in X years. That would be a XXX% gain from today's share price"  
[X Link](https://x.com/bjmtweets/status/1998139125489393850)  2025-12-08T21:14Z 4760 followers, 2178 engagements


"The reason $ROOT is so cheap is they don't spoon-feed charts like this"  
[X Link](https://x.com/bjmtweets/status/1998159772043051149)  2025-12-08T22:36Z 4760 followers, 1923 engagements


"IMO $ROOT will have a massive re-rating within the next 12-months"  
[X Link](https://x.com/bjmtweets/status/1998164844508524909)  2025-12-08T22:56Z 4760 followers, 1840 engagements


"@Neil_X10 @Leinad7331 Structurally $ROOT is much better aligned for solving car pricing and mass distribution"  
[X Link](https://x.com/bjmtweets/status/1998172271912116627)  2025-12-08T23:26Z 4758 followers, XXX engagements


"@Neil_X10 @Leinad7331 For partner you need risk to rate to be best in class (Root already has that): Partners want a trustworthy system. Root spends effort to be quality here. They hired a chief security officer. Lemonade by contrast had unsecured API for X years with leaky drivers license data"  
[X Link](https://x.com/bjmtweets/status/1998173624449331382)  2025-12-08T23:31Z 4760 followers, XXX engagements


"@Neil_X10 @Leinad7331 Lemonade appears to have offput many IAs as well by showing off their agentless model. Root on the other hand is run by an actuary by training is HQ in Columbus and comes off as the down to earth partner you can trust. People here to help"  
[X Link](https://x.com/bjmtweets/status/1998174187241013466)  2025-12-08T23:33Z 4760 followers, XXX engagements


"@Neil_X10 @Leinad7331 These are cultural and organizational differences where Root is better aligned for partner channel distribution. $LMND is better aligned for direct to consumer"  
[X Link](https://x.com/bjmtweets/status/1998174496038265207)  2025-12-08T23:34Z 4760 followers, XXX engagements


"@Neil_X10 @Leinad7331 Yes IA's are first"  
[X Link](https://x.com/bjmtweets/status/1998183345617039871)  2025-12-09T00:10Z 4758 followers, XXX engagements


"@jaybananabread @Neil_X10 @Leinad7331 You changed intent there to say "prioritize first" vs which is "best to scale massively" Here you go"  
[X Link](https://x.com/bjmtweets/status/1998198647104958495)  2025-12-09T01:10Z 4760 followers, XXX engagements


"@jaybananabread @Neil_X10 @Leinad7331 The primary issue with Direct is as you scale your efficiency declines. $LMND already experiences this. They can't double their ad spend without decreasing ad efficiency"  
[X Link](https://x.com/bjmtweets/status/1998201228006982051)  2025-12-09T01:21Z 4760 followers, XXX engagements


"As a consumer who would you prefer to own Warner Bros"  
[X Link](https://x.com/bjmtweets/status/1998216329246233051)  2025-12-09T02:21Z 4760 followers, XXX engagements


"@Neil_X10 @Leinad7331 100%. $LMND has big tail-end potential. They are an AI company that sells insurance"  
[X Link](https://x.com/bjmtweets/status/1998221539251208614)  2025-12-09T02:41Z 4760 followers, XXX engagements


"@Leinad7331 @Neil_X10 Root is advantaged because distribution can be massively scaled and profitably which can accelerate their growth quicker. And market cap is $1B. 10x is much more possible in near to midterm"  
[X Link](https://x.com/bjmtweets/status/1998281416808001873)  2025-12-09T06:39Z 4758 followers, XXX engagements


"@Leinad7331 @Neil_X10 While narrative can provide some boost it is still grounded by peer comps. Such as $SOFI $HIMS and other favorites. People will look at fundamentals of other innovative stocks. IE Jake sells and buys $PATH"  
[X Link](https://x.com/bjmtweets/status/1998283236863283514)  2025-12-09T06:47Z 4758 followers, XXX engagements


"@Leinad7331 @Neil_X10 The market will not 5x Lemonade soon unless rest of peers also 5x. When $LMND doubles it suddenly has a new peer comp group investors compare to in $10-15B market cap range"  
[X Link](https://x.com/bjmtweets/status/1998290730918576385)  2025-12-09T07:16Z 4758 followers, XXX engagements


"@Leinad7331 @Neil_X10 As we speak $LMND now is within peer comps of $HIMS and $PATH and $ZETA by market cap. Another double puts it in others range. All stocks exist as opportunity costs"  
[X Link](https://x.com/bjmtweets/status/1998291222541312143)  2025-12-09T07:18Z 4758 followers, XXX engagements


"@Neil_X10 @Leinad7331 @jaybananabread Profit is king. You must drive growth from increased profits. ADR only matters so much as it serves profit through reduced expenses (marketing)"  
[X Link](https://x.com/bjmtweets/status/1998422303701631404)  2025-12-09T15:59Z 4760 followers, XXX engagements


"@yardenzo60 @FelixKern2 @Leinad7331 @HenryInvests $ROOT still gets the sale. They have around XX% attach rate with Carvana car sales for instance"  
[X Link](https://x.com/bjmtweets/status/1998431129540719097)  2025-12-09T16:34Z 4760 followers, XXX engagements


"@AndersReiche @Neil_X10 @Leinad7331 @jaybananabread $LMND is doing great things. Many of those things are tail-ended when insurance scaling by constraints is front-ended"  
[X Link](https://x.com/bjmtweets/status/1998434179453956253)  2025-12-09T16:46Z 4760 followers, XX engagements


"@AndersReiche @Neil_X10 @Leinad7331 @jaybananabread These business are still in early growth so market hasn't fully realized this. $ROOT will be priced much better than it is today over mid-term in next 5-10 years"  
[X Link](https://x.com/bjmtweets/status/1998435154944262649)  2025-12-09T16:50Z 4760 followers, XXX engagements


"@AndersReiche @vander_lane @Neil_X10 @Leinad7331 @jaybananabread $LMND will do cool things. But it's really confined in Insurance. I share Domien's thoughts here:"  
[X Link](https://x.com/bjmtweets/status/1998440965737230708)  2025-12-09T17:13Z 4760 followers, XXX engagements


"@Leinad7331 @Neil_X10 Yes but when brands like Hyundai or Toyota decide on who to partner with these are things they consider. You also need risk & rate solved now so you can partner early before partners are scooped up and switching costs exist"  
[X Link](https://x.com/bjmtweets/status/1998444524633473038)  2025-12-09T17:27Z 4758 followers, XX engagements


"@Leinad7331 @Neil_X10 It's a land grab so timing on solving risk to rate matters Root has strong trust signals with proven results with Carvana focusing on quality with CIO etc. They also build quicker here by experience. That's why brands like Hyundai are interested in working with them"  
[X Link](https://x.com/bjmtweets/status/1998449246144705003)  2025-12-09T17:46Z 4760 followers, XXX engagements


"@Leinad7331 @Neil_X10 As far as who you trust. We have to understand the ethos of those who would be doing the partnerships not our own. Where does their ethos align That's why Meta & Paypal executive's joined $LMND board. They share ethos of move fast and break things do cool tech stuff"  
[X Link](https://x.com/bjmtweets/status/1998449998967746612)  2025-12-09T17:49Z 4760 followers, XXX engagements


"@Leinad7331 @Neil_X10 This is not the ethos and culture of Hyundai Toyota etc. boards. Or of independent agents. Each of these businesses attract those that share similar values or focuses. This is my point on alignment with partner/IA integration to scale"  
[X Link](https://x.com/bjmtweets/status/1998450371690377319)  2025-12-09T17:51Z 4759 followers, XXX engagements


"@Neil_X10 @Leinad7331 Other than $PGR. Their tech debt is low. They have people systems debt though that slows down LAE improvements. They'll likely eat up the rest of the market while $LMND and $ROOT are still small and scaling"  
[X Link](https://x.com/bjmtweets/status/1998451193568440716)  2025-12-09T17:54Z 4760 followers, XXX engagements


"$LMND's share price is up XXX% since this video"  
[X Link](https://x.com/bjmtweets/status/1997816899024167204)  2025-12-07T23:54Z 4760 followers, 9603 engagements


"@Neil_X10 @Leinad7331 Lemonade's move fast and break things philosophy works well with consumers because they can churn some consumers and be fine. New consumers will replace them. For partner channel you need trust and a relationship"  
[X Link](https://x.com/bjmtweets/status/1998173865525285284)  2025-12-08T23:32Z 4758 followers, XXX engagements


"@JM_Investment0 $ROOT"  
[X Link](https://x.com/bjmtweets/status/1998186385401131516)  2025-12-09T00:22Z 4758 followers, XXX engagements


"@Leinad7331 @Neil_X10 $ROOT is structured well to scale with RBC because risk to rate pricing is the biggest factor in profitability and they can scale that massively through IAs and partners. Car is a large TAM profit building product and the org is focused on pricing/distribution"  
[X Link](https://x.com/bjmtweets/status/1998414136175427632)  2025-12-09T15:27Z 4760 followers, XXX engagements


"@yardenzo60 @FelixKern2 @Leinad7331 @HenryInvests That means if Carvana customers are XX% State Farm XX% PGR etc. $ROOT is all the way up to XX% market share with POS from this outlet at the end of the day. If it was their regular avg vs entire market it's under 1%"  
[X Link](https://x.com/bjmtweets/status/1998431424198938646)  2025-12-09T16:35Z 4760 followers, XXX engagements


"@AndersReiche @Neil_X10 @Leinad7331 @jaybananabread I'm hesitant to assign too much to terminal value for things XX years out. Risk/reward at buying $LMND was great at $16-30s for that optionality. If we were at $12B today is it worth that premium for optionality For me the margin of safety would be gone without fundamentals"  
[X Link](https://x.com/bjmtweets/status/1998436064353214738)  2025-12-09T16:54Z 4758 followers, XXX engagements


"@Neil_X10 @Leinad7331 It's free upfront marketing that is recurring. Half of $PGR's book comes here. There is enough scale to completely fill an insurance companies RBC limit each year. PGR does well here because they have the best pricing of risk to rate. Which is also $ROOT's advantage"  
[X Link](https://x.com/bjmtweets/status/1998439169820078462)  2025-12-09T17:06Z 4760 followers, XX engagements


"@AndersReiche @vander_lane @Neil_X10 @Leinad7331 @jaybananabread That depends on growth over next X years. If $ROOT grows faster and more profitable for sustained period it's not going to be discounted. RBC and profitable growth favor $ROOT to scale more over the next 5-10 years by company design"  
[X Link](https://x.com/bjmtweets/status/1998440582822416848)  2025-12-09T17:12Z 4760 followers, XXX engagements


"Very interesting. $ROOT & $PGR"  
[X Link](https://x.com/bjmtweets/status/1998601237298925736)  2025-12-10T03:50Z 4760 followers, XXX engagements


"@macaronicapital $LMND"  
[X Link](https://x.com/bjmtweets/status/1998606933771837521)  2025-12-10T04:13Z 4760 followers, XX engagements


"@TheRayMyers $AMZN. Most durable moat"  
[X Link](https://x.com/bjmtweets/status/1998620595903410225)  2025-12-10T05:07Z 4760 followers, XXX engagements