# ![@davegirouard Avatar](https://lunarcrush.com/gi/w:26/cr:twitter::20454964.png) @davegirouard Dave Girouard

Dave Girouard posts on X about $upst, $dave, ai, $googl the most. They currently have [------] followers and [---] posts still getting attention that total [---] engagements in the last [--] hours.

### Engagements: [---] [#](/creator/twitter::20454964/interactions)
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- [--] Week [-----] -32%
- [--] Month [------] -76%
- [--] Months [-------] +29%
- [--] Year [-------] +196%

### Mentions: [--] [#](/creator/twitter::20454964/posts_active)
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- [--] Week [--] +17%
- [--] Month [--] -30%
- [--] Months [--] +50%
- [--] Year [---] +218%

### Followers: [------] [#](/creator/twitter::20454964/followers)
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- [--] Week [------] +0.05%
- [--] Month [------] -0.06%
- [--] Months [------] +0.09%
- [--] Year [------] +0.90%

### CreatorRank: [---------] [#](/creator/twitter::20454964/influencer_rank)
![CreatorRank Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::20454964/c:line/m:influencer_rank.svg)

### Social Influence

**Social category influence**
[stocks](/list/stocks)  19.42% [finance](/list/finance)  16.5% [technology brands](/list/technology-brands)  11.65% [automotive brands](/list/automotive-brands)  3.88% [social networks](/list/social-networks)  1.94% [countries](/list/countries)  1.94% [ncaa football](/list/ncaa-football)  1.94% [nfl](/list/nfl)  0.97% [celebrities](/list/celebrities)  0.97% [cryptocurrencies](/list/cryptocurrencies)  0.97%

**Social topic influence**
[$upst](/topic/$upst) #40, [$dave](/topic/$dave) 4.85%, [ai](/topic/ai) 3.88%, [$googl](/topic/$googl) 3.88%, [nissan](/topic/nissan) 1.94%, [we are](/topic/we-are) 1.94%, [ceo](/topic/ceo) 1.94%, [kia](/topic/kia) 1.94%, [finance](/topic/finance) 1.94%, [breaking](/topic/breaking) 1.94%

**Top accounts mentioned or mentioned by**
[@macro_guru](/creator/undefined) [@upstart](/creator/undefined) [@thestockfather5](/creator/undefined) [@playsmart9](/creator/undefined) [@trend_trader007](/creator/undefined) [@tai_chen_hsiang](/creator/undefined) [@winnerinvestor](/creator/undefined) [@veganhippo21](/creator/undefined) [@jriz2024](/creator/undefined) [@cnbc](/creator/undefined) [@upstarts](/creator/undefined) [@sonyabanerjee](/creator/undefined) [@nelson](/creator/undefined) [@henryinvests](/creator/undefined) [@ttvresearch](/creator/undefined) [@capttweetz](/creator/undefined) [@jacksong2](/creator/undefined) [@squawkstreet](/creator/undefined) [@slackhq](/creator/undefined) [@jaketapper](/creator/undefined)

**Top assets mentioned**
[Upstart Holdings, Inc. (UPST)](/topic/$upst) [Dave Inc. (DAVE)](/topic/$dave) [Alphabet Inc Class A (GOOGL)](/topic/$googl) [Fair Isaac, Corp. (FICO)](/topic/$fico) [Tesla, Inc. (TSLA)](/topic/tesla) [Coinbase Global Inc. (COIN)](/topic/coinbase) [Dogecoin (DOGE)](/topic/doge) [SoFi Technologies, Inc. Common Stock (SOFI)](/topic/sofi) [Bitcoin (BTC)](/topic/bitcoin) [Metadium (META)](/topic/$meta) [Goldman Sachs (GS)](/topic/goldman-sachs) [IBM (IBM)](/topic/ibm) [Uber Technologies, Inc. (UBER)](/topic/$uber)
### Top Social Posts
Top posts by engagements in the last [--] hours

"FSD but for loans. It's here. $UPST"  
[X Link](https://x.com/anyuser/status/1998909815104696816)  2025-12-11T00:16Z 22.3K followers, 23.2K engagements


"Incredible how an AI agent can put a customer at ease. The subtlety of the question and answer are actually quite amazing $UPST [----] FTW"  
[X Link](https://x.com/davegirouard/status/2018775771855180051)  2026-02-03T19:57Z 22.3K followers, 12.1K engagements


"A brilliant team working incessantly at the frontier of knowledge of a fundamental human need is a rare and beautiful thing 🌅"  
[X Link](https://x.com/davegirouard/status/2015496266810294675)  2026-01-25T18:45Z 22.3K followers, [----] engagements


"Seahawk fans: EFF THOSE MALCOLM BUTLER MFers WE GONNA BEAT THEIR ASS THIS TIME. SHOULDA GIVEN IT TO MARSHAWN Patriots fans: Was that the 28-3 comeback one . . or the Vinateri kick as time ran out one . . or the . . 🤔"  
[X Link](https://x.com/davegirouard/status/2020582821455331621)  2026-02-08T19:37Z 22.3K followers, [---] engagements


"I will forgive @jacksong_2 as long as we win"  
[X Link](https://x.com/davegirouard/status/2020591926999949778)  2026-02-08T20:13Z 22.3K followers, [----] engagements


"Nissan Honda Subaru BMW rooftops all in this week"  
[X Link](https://x.com/anyuser/status/1950613832482820443)  2025-07-30T17:45Z 22.3K followers, [----] engagements


"Is there a "Rule of 120" 🤔 * Upstart Revenue growth: 102% * EBITDA margin: 21% * GAAP Net income: $6M * Auto growth: 87% sequentially 6X YY * Home growth: 67% sequentially 9X YY $UPST LFG baby 📈"  
[X Link](https://x.com/anyuser/status/1952848342767288520)  2025-08-05T21:45Z 22.3K followers, 35.8K engagements


"Triple-digit growth & profitable. We are AI optimists 😍 📣 $UPST CEO @davegirouard on CNBC this morning on how AI makes a far better product for the consumer with access to credit in a click. Watch his full @SquawkStreet segment https://t.co/y54KgN5a3t https://t.co/qaOSN29y5S 📣 $UPST CEO @davegirouard on CNBC this morning on how AI makes a far better product for the consumer with access to credit in a click. Watch his full @SquawkStreet segment https://t.co/y54KgN5a3t https://t.co/qaOSN29y5S"  
[X Link](https://x.com/anyuser/status/1953154905532973549)  2025-08-06T18:03Z 22.3K followers, 17.6K engagements


"Imagine if ChatGPT could only respond with 3-digit numbers. That's FICO"  
[X Link](https://x.com/anyuser/status/1955687547553935410)  2025-08-13T17:47Z 22.3K followers, [----] engagements


"Honda Kia Buick VW and [--] Indy rooftops this week and we're not done yet"  
[X Link](https://x.com/anyuser/status/1956385028608303441)  2025-08-15T15:58Z 22.3K followers, 15K engagements


"Ford Chrysler Kia Honda Toyota Nissan and Chevy rooftops in for $UPST Auto Finance just this week. And [--] indies including one in Indy 🔥"  
[X Link](https://x.com/anyuser/status/1959025747466633221)  2025-08-22T22:51Z 22.3K followers, 14.9K engagements


"BREAKING on @CNBC $FICO CEO says you cant use AI in underwriting because its a black box. 😂 #headinsand #morethanfair"  
[X Link](https://x.com/anyuser/status/1973773504068931675)  2025-10-02T15:34Z 22.3K followers, 12.8K engagements


"80% y/y transaction growth 71% revenue growth 26% Adj. EBITDA $32M Net Profit @Upstart has never been stronger. Thank you to the team 🩵 #Thosewhostay #Rule0f97 $UPST"  
[X Link](https://x.com/anyuser/status/1986094715872379316)  2025-11-05T15:34Z 22.3K followers, 15.2K engagements


"While it's no comfort to short-term investors when our business is amazingly strong yet the market/stock is weak I sleep very well at night. We are building something extraordinary - and those who stay will be champions. 🏆"  
[X Link](https://x.com/anyuser/status/1986854533981708508)  2025-11-07T17:53Z 22.3K followers, 24.8K engagements


"4600 @upstart HELOCS to date and only [--] charge-off. Yes these loans are very much in demand #thosewhostay"  
[X Link](https://x.com/anyuser/status/1988328215518343193)  2025-11-11T19:29Z 22.3K followers, 28.4K engagements


"2026 is gonna be 🔥🔥🔥 for @upstart. Mark my words"  
[X Link](https://x.com/anyuser/status/1991553611143475432)  2025-11-20T17:05Z 22.3K followers, 55.2K engagements


"Best way to lower credit card rates would be to ban rewards. They are a regressive tax that trick consumers into spending more - thinking they'll pay off their card each month"  
[X Link](https://x.com/anyuser/status/2010038723761844503)  2026-01-10T17:19Z 22.3K followers, 10.3K engagements


"I strongly suspect the whole 10% cap wont happen given it would likely cause a massive recession. If it did next question is whether it applies to all unsecured lending. That seems even far more unlikely given very ugly repercussions for our economy. if not the card cap could be a massive boost to unsecured lending as an alternative way to borrow. if so it would significantly limit who we could lend to. i put that at far less than 1% likelihood. Now were talking Great Recession. Regardless i dont see any reason it would impact our funding. in fact wed likely be swimming in it"  
[X Link](https://x.com/anyuser/status/2010066990866833517)  2026-01-10T19:11Z 22.3K followers, 33.4K engagements


"BREAKING: Lenovo to acquire Denver Broncos"  
[X Link](https://x.com/davegirouard/status/430161685697945600)  2014-02-03T02:11Z 22.3K followers, [---] engagements


"What might have been. Google Glass. http://t.co/q0hxiz7wgM"  
[X Link](https://x.com/davegirouard/status/468848364935999490)  2014-05-20T20:18Z 22.3K followers, [---] engagements


"Remember when scanning every book in the world was the craziest thing Google was doing Seems so cute now"  
[X Link](https://x.com/davegirouard/status/608832704797220864)  2015-06-11T03:06Z 22.3K followers, [---] engagements


"Explaining to my son why you can't skip songs on XM radio and it sounds positively ridiculous"  
[X Link](https://x.com/davegirouard/status/769664246963589120)  2016-08-27T22:33Z 22.3K followers, [---] engagements


"Amazon can open bookstores.because they don't have to worry about Amazon. https://x.com/hannahkuchler/status/791762030256611328 https://x.com/hannahkuchler/status/791762030256611328"  
[X Link](https://x.com/davegirouard/status/791851662327418880)  2016-10-28T03:58Z 22.3K followers, [---] engagements


"MSFT calls @slackhq "narrow niche" Srsly I use Slack every [--] mins & Office 1X/wk when forced to review redlines http://www.businessinsider.com/microsoft-slams-slack-2016-11 http://www.businessinsider.com/microsoft-slams-slack-2016-11"  
[X Link](https://x.com/davegirouard/status/793901260776669184)  2016-11-02T19:43Z 22.3K followers, [---] engagements


"@jaketapper in the new America criticize the President and you will pay"  
[X Link](https://x.com/davegirouard/status/806193008638980096)  2016-12-06T17:46Z 22.3K followers, [--] engagements


"My boy with one of his fav #prodawgs @dmainy_13"  
[X Link](https://x.com/davegirouard/status/1026187488245637120)  2018-08-05T19:25Z 22.1K followers, [--] engagements


"@elizabeth didn't think they allowed McDonald's in Portola Valley"  
[X Link](https://x.com/davegirouard/status/1174075311140392961)  2019-09-17T21:39Z 22.3K followers, [--] engagements


"Google Apps for Education - we're huge in Pakistan http://tinyurl.com/bkvthg"  
[X Link](https://x.com/davegirouard/status/1241458593)  2009-02-23T17:09Z 22.1K followers, [--] engagements


"amazing flt [----] (req GOOG Earth 5) turn on 3D buildings dubclick "play me" http://www.davinciglobal.com/flight1549/flight1549shortd.kmz"  
[X Link](https://x.com/davegirouard/status/1256227900)  2009-02-27T01:15Z 22.1K followers, [--] engagements


"Just finishing this must-read book by the amazing @sukhindersingh who I'm lucky to call a friend as well as @upstart board member. Anyone aspiring to build a career in technology can learn so much from her experience. And yes she is intense 🚀 $UPST $GOOG"  
[X Link](https://x.com/davegirouard/status/1418982594226450434)  2021-07-24T17:13Z 22.1K followers, [--] engagements


"We held our inaugural "boosted: AI meets Finance" conference a few weeks back - an amazing event. I led off with the importance of financial inclusion for all & the urgency with which we need to make progress. There are reasons to be optimistic Enjoy. https://lnkd.in/gDwCQ-eU https://lnkd.in/gDwCQ-eU"  
[X Link](https://x.com/davegirouard/status/1542559894015856640)  2022-06-30T17:25Z 22.1K followers, [--] engagements


"@upstart's digital-first approach is proving to be a superpower for talent acquisition. . even more so as other companies force employees back to the office. Please continue"  
[X Link](https://x.com/davegirouard/status/1687625684334850048)  2023-08-05T00:46Z 22.4K followers, [----] engagements


"Speed of model development wins in AI. 🏎🏁 Parallel timing curve calibration helps @upstart go faster. Learn about it here"  
[X Link](https://x.com/davegirouard/status/1696716600534356415)  2023-08-30T02:48Z 22.4K followers, [----] engagements


"Enterprise sales should be a *superset* of SMB sales - personal contact if you want it. But no reason not to allow big companies buy via the same touchless process you designed for small biz"  
[X Link](https://x.com/davegirouard/status/1707070574575628340)  2023-09-27T16:31Z 22.4K followers, [----] engagements


"Its obvious now that @Tesla cutting prices is a sign of strength rather than of weakness"  
[X Link](https://x.com/davegirouard/status/1711743530467742105)  2023-10-10T14:00Z 22.4K followers, [----] engagements


"If not us then who AI is a once-in-a-lifetime opportunity to improve access to credit. We're laser focused on leading the industry through this monumental transformation and couldn't be more excited about [----] 🌞 https://ir.upstart.com/news-releases/news-release-details/upstart-announces-third-quarter-2023-results https://ir.upstart.com/news-releases/news-release-details/upstart-announces-third-quarter-2023-results"  
[X Link](https://x.com/davegirouard/status/1722298310671929520)  2023-11-08T17:01Z 22K followers, 15.5K engagements


"@dagetz [----] was much better for business but [----] was much better for model training"  
[X Link](https://x.com/davegirouard/status/1723822664043704522)  2023-11-12T21:58Z 22.4K followers, [----] engagements


"College Football Incorporated (CFBI): * Manages football for [---] teams nationwide * Negotiates media rights for all * Pays universities with some rev sharing * FB players from all schools are employees of CFBI * Players must be enrolled students in good standing Can private equity money help untangle the mess of college sports What are you looking for if you are private equity You are looking for a poorly managed business that nevertheless has a strong market. That's the definition of college athletics." https://t.co/2zfylKxCmc Can private equity money help untangle the mess of college sports"  
[X Link](https://x.com/davegirouard/status/1750979165460001030)  2024-01-26T20:28Z 22.4K followers, [----] engagements


"Some talk AI. Some do AI. Some *are* AI. @upstart in 2017: https://web.archive.org/web/20170829202313/upstart.com/about https://web.archive.org/web/20170829202313/upstart.com/about"  
[X Link](https://x.com/davegirouard/status/1813302049905496292)  2024-07-16T19:57Z 22.2K followers, [----] engagements


"What happens when the price of a loan is both an input to and output from an AI model Model [--] from @Upstart is all about that. https://medium.com/upstart-tech/how-we-built-our-most-advanced-underwriting-model-yet-a6b46ca3225f https://medium.com/upstart-tech/how-we-built-our-most-advanced-underwriting-model-yet-a6b46ca3225f"  
[X Link](https://x.com/davegirouard/status/1823803590139633970)  2024-08-14T19:27Z 22.1K followers, [----] engagements


"If in fact any business is "price gouging" the right answer is more competition. This isn't hard"  
[X Link](https://x.com/davegirouard/status/1824880788841893913)  2024-08-17T18:47Z 22.1K followers, [----] engagements


"Coach and I hit our limits on chinook. Maybe I should do this more often"  
[X Link](https://x.com/davegirouard/status/1826292703065407813)  2024-08-21T16:18Z 22.1K followers, [----] engagements


"We're excited to partner with Blue Owl one of the leaders in private credit on the future of AI lending https://www.bloomberg.com/news/articles/2024-10-10/blue-owl-to-buy-2-billion-of-fintech-upstart-s-consumer-loans https://www.bloomberg.com/news/articles/2024-10-10/blue-owl-to-buy-2-billion-of-fintech-upstart-s-consumer-loans"  
[X Link](https://x.com/davegirouard/status/1844459004849963251)  2024-10-10T19:24Z 22.1K followers, [----] engagements


"Our goal @Upstart is to provide the best rate and best lending process to all. T-Prime is a big step in that direction Introducing T-Primea new program that enables banks and credit unions to reach Americas super prime borrowers. Now lenders can make best-in-class offers that pair competitive rates with instant and automated approvals through our AI platform. More👇 https://t.co/fDNC6C94Gv https://t.co/ddMNY5JsGH Introducing T-Primea new program that enables banks and credit unions to reach Americas super prime borrowers. Now lenders can make best-in-class offers that pair competitive rates"  
[X Link](https://x.com/davegirouard/status/1849837312991003055)  2024-10-25T15:35Z 22.4K followers, [----] engagements


"I voted for @Schwarzenegger in the [----] CA Gov recall and took a lot of shit for it. But to this day I'm more aligned with his views than virtually any other pol. I dont really do endorsements. Im not shy about sharing my views but I hate politics and dont trust most politicians. I also understand that people want to hear from me because I am not just a celebrity I am a former Republican Governor. My time as Governor taught me to I dont really do endorsements. Im not shy about sharing my views but I hate politics and dont trust most politicians. I also understand that people want to hear from"  
[X Link](https://x.com/davegirouard/status/1851651428257021979)  2024-10-30T15:44Z 22.4K followers, [----] engagements


"I think the Yellowstone plan is to release one episode every two years"  
[X Link](https://x.com/davegirouard/status/1856495861477585179)  2024-11-13T00:34Z 22K followers, [----] engagements


"Strange but true - some analysts don't believe AI can make a big difference in credit"  
[X Link](https://x.com/davegirouard/status/1861087566688383453)  2024-11-25T16:40Z 22K followers, [----] engagements


""CFPB Director Rohit Chopra said shortcomings of the FICO credit-scoring model are becoming unacceptable and urged regulators and lenders to develop a new model based on artificial intelligence to replace it" Hath Hell frozen over ❄ 😍 https://www.americanbanker.com/news/cfpbs-chopra-ai-can-be-the-key-to-fairer-credit-scoring https://www.americanbanker.com/news/cfpbs-chopra-ai-can-be-the-key-to-fairer-credit-scoring"  
[X Link](https://x.com/davegirouard/status/1863672659801936286)  2024-12-02T19:52Z 22K followers, [----] engagements


"This is what happens when bank analysts try to cover tech companies. Differences of opinion make a market. After a strong earnings report - revenue up 20% year-over-year to $162 million AI models improving conversion rates - @Upstarts share price has soared to $70. But Wall Street analysts are profoundly divided on what this means for future https://t.co/77Gb0IAN3D Differences of opinion make a market. After a strong earnings report - revenue up 20% year-over-year to $162 million AI models improving conversion rates - @Upstarts share price has soared to $70. But Wall Street analysts are"  
[X Link](https://x.com/davegirouard/status/1864007799602294806)  2024-12-03T18:04Z 22K followers, [----] engagements


"@AdamDraper @brian_armstrong @coinbase I've done it for [--] years and continue to do it"  
[X Link](https://x.com/davegirouard/status/1867394905087312224)  2024-12-13T02:23Z 22K followers, [----] engagements


"Recent sighting @upstart"  
[X Link](https://x.com/davegirouard/status/1867678347226189969)  2024-12-13T21:09Z 22K followers, [----] engagements


"Gotta hand it to @elonmusk and @realDonaldTrump - you don't often see a populist uprising for austerity"  
[X Link](https://x.com/davegirouard/status/1869836852703965345)  2024-12-19T20:07Z 22K followers, [----] engagements


"The idea that private credit is "shadowy" is just silly. It's simply lending that isn't funded by depositors. Instead it's funded by professional money managers who understand risk and diversification and are paid well for it. Jay Powell's quote is dead on: he doesn't see how it adds any instability to the financial system. Of course there's risk of underperformance - that's the nature of the game Banks are regulated as closely as they are because they are the only entities allowed to lend out depositor money. There's no rationale for private credit to be regulated in this way. Bank execs are"  
[X Link](https://x.com/davegirouard/status/1872686579061539017)  2024-12-27T16:50Z 22K followers, [----] engagements


"Just listened to the latest episode of What the AI Its a super valuable pod for technically savvy execs who want to keep ahead of the AI tsunami. 🌊"  
[X Link](https://x.com/davegirouard/status/1872762198302580747)  2024-12-27T21:51Z 22K followers, [----] engagements


"Phil Knight gets so mad that he leaves it all to the Washington Huskies 🙏"  
[X Link](https://x.com/davegirouard/status/1874628962242158950)  2025-01-02T01:29Z 22K followers, [----] engagements


"Truth. It costs NYC 8-12X more than EUROPEAN cities to build a mile of subway 😱 We need DOGE for every state and city gov. The crisis of democratic government is actually a crisis of progressive government. People seem to feel theyve been taxed regulated bossed around and intimidated by left-of-center politicians for decadesbut the results are bad and have been getting worse. My take: https://t.co/cTFv37HmYk The crisis of democratic government is actually a crisis of progressive government. People seem to feel theyve been taxed regulated bossed around and intimidated by left-of-center"  
[X Link](https://x.com/davegirouard/status/1875989062605271517)  2025-01-05T19:33Z 22K followers, [----] engagements


""you can now also say that gay people don't belong in the military" This take is beyond ridiculous. Neither Facebook nor any platform (or university) should censor somebody for expressing their POV on an issue. (btw I 100% believe gay people should be accepted in the military) https://www.platformer.news/meta-fact-checking-free-speech-surrender/ https://www.platformer.news/meta-fact-checking-free-speech-surrender/"  
[X Link](https://x.com/davegirouard/status/1877060725509886419)  2025-01-08T18:32Z 22K followers, [---] engagements


"@RossDellenger Strange they keep referring to it as "paying for NIL". Schools will simply be paying kids to play - just like the NFL"  
[X Link](https://x.com/davegirouard/status/1880357178495955029)  2025-01-17T20:51Z 22K followers, [---] engagements


"Pretty much nobody wants the CFP Natty on a Monday night in late January - but do they listen Bringing the magic of the College Football Playoff National Championship to the Entertainment Capital of the World. ✨ Allegiant Stadium. Las Vegas. Monday January [--] [----]. 🏈🏆 #CFBPlayoff #NationalChampionship @vegas @AllegiantStadm @raiders @ShinLimMagic https://t.co/zy420uDG46 Bringing the magic of the College Football Playoff National Championship to the Entertainment Capital of the World. ✨ Allegiant Stadium. Las Vegas. Monday January [--] [----]. 🏈🏆 #CFBPlayoff #NationalChampionship @vegas"  
[X Link](https://x.com/davegirouard/status/1882836399835197641)  2025-01-24T17:02Z 22K followers, [----] engagements


"I mean it has a nice ring to it @davegirouard CFP at Upstart Stadium in [----] Anything Sofi can do Upstart can do better 😊 $UPST https://t.co/CUUQ9LqWEE @davegirouard CFP at Upstart Stadium in [----] Anything Sofi can do Upstart can do better 😊 $UPST https://t.co/CUUQ9LqWEE"  
[X Link](https://x.com/davegirouard/status/1882889503817539911)  2025-01-24T20:33Z 22K followers, [----] engagements


"@zachweinberg much worse than putting caps on rental housing prices - that inventory exists and has to go somewhere. If this passed far less than half of Americans would qualify for a credit card"  
[X Link](https://x.com/davegirouard/status/1886952513443913973)  2025-02-05T01:38Z 22K followers, [---] engagements


"tell me i should shut up and dribble and youre blocked. im more than CEO of Upstart and I owe you nothing"  
[X Link](https://x.com/davegirouard/status/1895675389131047000)  2025-03-01T03:20Z 22.1K followers, [----] engagements


"Championships are won in the offseason 🏆"  
[X Link](https://x.com/davegirouard/status/1898058778937114922)  2025-03-07T17:10Z 22.1K followers, [----] engagements


"Still waiting for a proven use case for blockchain beyond bitcoin"  
[X Link](https://x.com/davegirouard/status/1902789904805044514)  2025-03-20T18:30Z 22.1K followers, [----] engagements


"@4TheLifeOfMe20 @F1 Mercedes is the class act so far"  
[X Link](https://x.com/davegirouard/status/1913406669461332051)  2025-04-19T01:37Z 22.1K followers, [--] engagements


"Looks like the pre-seed slide you show to a VC. $UPST Home originations ($M) https://t.co/qhrAgIiHsm $UPST Home originations ($M) https://t.co/qhrAgIiHsm"  
[X Link](https://x.com/davegirouard/status/1919856127837114766)  2025-05-06T20:45Z 22.1K followers, [----] engagements


"This is gonna be lit 👀 WATCH: Upstart's inaugural AI Day investor event WHEN: Wednesday May [--] @ 9am ET 🔗 WHERE: https://t.co/Fd14xvoQ7K $UPST leadership will go deep into our AI advantage our category-of-one business and the significant opportunity ahead of us. Don't miss it https://t.co/QPbF9xg0ma 👀 WATCH: Upstart's inaugural AI Day investor event WHEN: Wednesday May [--] @ 9am ET 🔗 WHERE: https://t.co/Fd14xvoQ7K $UPST leadership will go deep into our AI advantage our category-of-one business and the significant opportunity ahead of us. Don't miss it https://t.co/QPbF9xg0ma"  
[X Link](https://x.com/davegirouard/status/1920600744580763859)  2025-05-08T22:04Z 22K followers, [----] engagements


""Always-on credit for every American" Join us Wed 9am ET & learn about the future of AI lending $UPST 👀 WATCH: Upstart's inaugural AI Day investor event WHEN: Wednesday May [--] @ 9am ET 🔗 WHERE: https://t.co/Fd14xvoiic $UPST leadership will go deep into our AI advantage our category-of-one business and the significant opportunity ahead of us. Don't miss it https://t.co/wLRyqSqjWW 👀 WATCH: Upstart's inaugural AI Day investor event WHEN: Wednesday May [--] @ 9am ET 🔗 WHERE: https://t.co/Fd14xvoiic $UPST leadership will go deep into our AI advantage our category-of-one business and the"  
[X Link](https://x.com/davegirouard/status/1921986138778009662)  2025-05-12T17:49Z 22K followers, [----] engagements


"At @upstart we're building the always-on everything store for credit. Nobody else is even trying. 🤷♂ $UPST 🤔 Didn't get the chance to watch Upstart's AI Day 📺 Catch the full replay here: https://t.co/zmW7I0aKxe 📈 And find the presentations here: https://t.co/i4jNAyCgX8 https://t.co/snHHyl5hR0 🤔 Didn't get the chance to watch Upstart's AI Day 📺 Catch the full replay here: https://t.co/zmW7I0aKxe 📈 And find the presentations here: https://t.co/i4jNAyCgX8 https://t.co/snHHyl5hR0"  
[X Link](https://x.com/davegirouard/status/1926410612109664265)  2025-05-24T22:50Z 22K followers, [----] engagements


"The cost of Lidar continues to drop rapidly. Why do people doubt that @Waymo can dramatically reduce the cost of their AVs over time and with scale"  
[X Link](https://x.com/davegirouard/status/1938274580894032343)  2025-06-26T16:34Z 22.1K followers, [----] engagements


"The @TwentyVc podcast weekly special with @rodriscoll @jasonlk and @HarryStebbings has become the "go to" for my long Saturday runs. Superb insights on AI and the evolving market who's eff'd and who's not public vs private markets. Rory really cuts through so much of the BS. This morning's episode was particularly worthwhile ps - Actually I *DO* enjoy being a public company CEO. https://podcasts.apple.com/us/podcast/the-twenty-minute-vc-20vc-venture-capital-startup/id958230465i=1000714625901"  
[X Link](https://x.com/davegirouard/status/1939021528785658093)  2025-06-28T18:02Z 22.1K followers, 12K engagements


"💯 Best CMO in Fintech were going to completely change the future of credit full stop. were going to completely change the future of credit full stop"  
[X Link](https://x.com/davegirouard/status/1942964101187080448)  2025-07-09T15:08Z 22.1K followers, [----] engagements


"It might have worked for the Avengers but I'm not convinced it will work for $META. Motivation matters"  
[X Link](https://x.com/davegirouard/status/1943340383473406030)  2025-07-10T16:03Z 22.1K followers, [----] engagements


"@mprashanth09X @v_maini @StockMarketNerd I'm quite proud of that flip flop and view it as one of the smartest things we ever did. TBH the mistake was listening too much to analysts who said don't touch the balance sheet don't take on risk"  
[X Link](https://x.com/davegirouard/status/1945517567692738951)  2025-07-16T16:15Z 22.1K followers, [----] engagements


".$FICO CEO says (on @cnbc) having choice and competition would be inefficient. 🤔"  
[X Link](https://x.com/davegirouard/status/1947306438633963791)  2025-07-21T14:43Z 22.1K followers, [----] engagements


"You pay consumers .01% APY because you're the big dog and FDIC can't let you fail. On top of that you want to charge consumers for access to their own data #Openbankingnow https://www.cnbc.com/2025/07/28/jpmorgan-fintech-middlemen-plaid-data-requests-taxing-systems.html https://www.cnbc.com/2025/07/28/jpmorgan-fintech-middlemen-plaid-data-requests-taxing-systems.html"  
[X Link](https://x.com/davegirouard/status/1949913022224617766)  2025-07-28T19:21Z 22.2K followers, [----] engagements


"That time of year 🏈"  
[X Link](https://x.com/davegirouard/status/1951387132947521957)  2025-08-01T20:58Z 22.2K followers, [----] engagements


"AMA - really Everyones talking about the future of credit. Were building it. Register to join @davegirouard and @sonya_banerjee for a live post-earnings AMA: https://t.co/PypmVVzKtz 📆 Tues Aug [--] 1:30pm PT / 4:30pm ET 💬 Ask your question with #AskDave + $UPST Everyones talking about the future of credit. Were building it. Register to join @davegirouard and @sonya_banerjee for a live post-earnings AMA: https://t.co/PypmVVzKtz 📆 Tues Aug [--] 1:30pm PT / 4:30pm ET 💬 Ask your question with #AskDave + $UPST"  
[X Link](https://x.com/davegirouard/status/1957870526988472689)  2025-08-19T18:21Z 22.3K followers, [----] engagements


"We are recording this AMA "live" on Zoom with all participants and posting to X after. For the next time we hope to do it live on X (@TBPN style). 🎥 This Tuesday: a live conversation on credit capital and the road ahead. Our CEO is answering your questions in real time. Register to join @davegirouard & @sonya_banerjee: https://t.co/PypmVVAij7 📆 Aug [--] 1:30pm PT/ 4:30pm ET 💬 Submit your questions now: #AskDave + This Tuesday: a live conversation on credit capital and the road ahead. Our CEO is answering your questions in real time. Register to join @davegirouard & @sonya_banerjee:"  
[X Link](https://x.com/davegirouard/status/1958975552339288536)  2025-08-22T19:32Z 22.3K followers, [----] engagements


".@apple needs to own an LLM. It's both the operating system & application interface for all future devices and can't come from a 3rd party"  
[X Link](https://x.com/davegirouard/status/1960431628192506211)  2025-08-26T19:58Z 22.3K followers, [----] engagements


"Our first AMA for retail $UPST investors A lot were question-rich but camera-shy 😎 Everyones talking about the future of credit. Were building it at $UPST. Our CEO @davegirouard shared his perspective in a live AMA. Watch the replay now: https://t.co/r36ttq9hIE Everyones talking about the future of credit. Were building it at $UPST. Our CEO @davegirouard shared his perspective in a live AMA. Watch the replay now: https://t.co/r36ttq9hIE"  
[X Link](https://x.com/davegirouard/status/1962923656503579128)  2025-09-02T17:00Z 22.3K followers, [----] engagements


"Some things I said . . . Heres a curated set of direct quotes from @davegirouard at the Goldman Sachs Communacopia + Technology Conference today (with help from GPT) $UPST . [--]. AI-First Credit & Automation Today in excess of 90% of the loans on our platform are approved in a moment. There's no Heres a curated set of direct quotes from @davegirouard at the Goldman Sachs Communacopia + Technology Conference today (with help from GPT) $UPST . [--]. AI-First Credit & Automation Today in excess of 90% of the loans on our platform are approved in a moment. There's no"  
[X Link](https://x.com/davegirouard/status/1965474815688802447)  2025-09-09T17:58Z 22.3K followers, [----] engagements


"@investorintech the impact of any variable in our model is re-assessed every time the model is retrained. A variable can become more or less relevant based on the latest training data. If education becomes less relevant to creditworthiness the model will be first to know"  
[X Link](https://x.com/davegirouard/status/1965482739425304698)  2025-09-09T18:29Z 22.3K followers, [---] engagements


"Same R.I.P. Charlie Kirk I didn't know Charlie personally. But he did send me a kind message last year. "I love all people" is what he said. If that is any indication of who the man was then this country has lost someone special today. Partisan politics did not stand in the way https://t.co/Sag7RyP7PY R.I.P. Charlie Kirk I didn't know Charlie personally. But he did send me a kind message last year. "I love all people" is what he said. If that is any indication of who the man was then this country has lost someone special today. Partisan politics did not stand in the way https://t.co/Sag7RyP7PY"  
[X Link](https://x.com/davegirouard/status/1965899763188105240)  2025-09-10T22:06Z 22.3K followers, [----] engagements


"Kalen DeBoer is an incredible coach and better person . . . and you'll never convince me otherwise. "He's somebody who follows the goat Nick Saban right You always gotta respect that guy." Alabama QB Ty Simpson shares with Matt Leinart why he has so much respect for HC Kalen DeBoer. https://t.co/9R7RZNu1X3 "He's somebody who follows the goat Nick Saban right You always gotta respect that guy." Alabama QB Ty Simpson shares with Matt Leinart why he has so much respect for HC Kalen DeBoer. https://t.co/9R7RZNu1X3"  
[X Link](https://x.com/davegirouard/status/1974198217622569282)  2025-10-03T19:41Z 22.4K followers, [----] engagements


"@nelson perhaps picking up a neighbor for cancer treatment but please judge away . "  
[X Link](https://x.com/davegirouard/status/362432096058359811)  2013-07-31T04:38Z 22.3K followers, [--] engagements


"@nelson merely suggesting that choice of auto or parking location may not provide a reliable signal of character"  
[X Link](https://x.com/davegirouard/status/362605721218584579)  2013-07-31T16:08Z 22.3K followers, [--] engagements


"Always admired the energy and tenacity Ballmer brought to work every single day. Most don't appreciate how hard that is"  
[X Link](https://x.com/davegirouard/status/371099505136893954)  2013-08-24T02:39Z 22.3K followers, [--] engagements


"Locked in Senate office building. Walked by scene of shooting [--] mins ago"  
[X Link](https://x.com/davegirouard/status/385837585601658880)  2013-10-03T18:43Z 22.3K followers, [--] engagements


"Record day at @upstart for traffic signups & profile submissions. [----] be very very good to us"  
[X Link](https://x.com/davegirouard/status/433097152089165825)  2014-02-11T04:36Z 22.3K followers, [--] engagements


""In [--] yrs they'll all be fired" -CIO of Duke University in [----] when we told her that CIOs from 5-10 schools were implementing @Googleapps"  
[X Link](https://x.com/davegirouard/status/477148847706505216)  2014-06-12T18:02Z 22.3K followers, [--] engagements


"Good deal for IBM but not so much for Apple. Seems like a good time for MSFT to cozy up to Android"  
[X Link](https://x.com/davegirouard/status/489257334485434368)  2014-07-16T03:56Z 22.3K followers, [--] engagements


"This Scottish independence thing isn't nearly as fun as the one Mel Gibson lead"  
[X Link](https://x.com/davegirouard/status/511207737024577538)  2014-09-14T17:39Z 22.1K followers, [--] engagements


"Sitting in Peete's overhearing "advisor" telling K-12 startup they *have* to partner with Google Apps - "they're killing it". I smile"  
[X Link](https://x.com/davegirouard/status/580159742443573248)  2015-03-24T00:10Z 22.3K followers, [--] engagements


"Uber is an introvert's dream. No tip anxiety"  
[X Link](https://x.com/davegirouard/status/584097521611452416)  2015-04-03T20:57Z 22.3K followers, [--] engagements


"Machines may eventually rise up & kill us. Between now & then they can provide lower interest rates via @upstart. http://www.crowdfundinsider.com/2015/10/75976-the-millennial-opportunity-dave-girouard-talks-about-upstart-lending/ http://www.crowdfundinsider.com/2015/10/75976-the-millennial-opportunity-dave-girouard-talks-about-upstart-lending/"  
[X Link](https://x.com/davegirouard/status/657049955085869056)  2015-10-22T04:24Z 22.1K followers, [--] engagements


"@liedtkesfc I don't see any reason why those [--] should be correlated The question is whether the value of the company has increased 150%"  
[X Link](https://x.com/davegirouard/status/723299667132313600)  2016-04-21T23:57Z 22.3K followers, [--] engagements


"All caught up on The Americans & Game of Thrones. Binge recommendations 🤔"  
[X Link](https://x.com/davegirouard/status/747633936679899136)  2016-06-28T03:33Z 22.3K followers, [--] engagements


"In Atlanta for the @UW_Football 's stunning upset of Alabama. #godawgs #cfp #purplereign"  
[X Link](https://x.com/davegirouard/status/814994388971622400)  2016-12-31T00:39Z 22.1K followers, [--] engagements


"Im somewhat neutral to Moore winning/losing. Short term good to see bad guys lose. But long term Moore win might end R majority in both houses"  
[X Link](https://x.com/davegirouard/status/939937110659809280)  2017-12-10T19:17Z 22.3K followers, [--] engagements

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