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# ![@ramahluwalia Avatar](https://lunarcrush.com/gi/w:26/cr:twitter::16861509.png) @ramahluwalia Ram Ahluwalia CFA, Lumida

Ram Ahluwalia CFA, Lumida posts on X about fed, fdic, insurance, coinbase the most. They currently have XXXXXX followers and 4804 posts still getting attention that total XXXXXX engagements in the last XX hours.

### Engagements: XXXXXX [#](/creator/twitter::16861509/interactions)
![Engagements Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::16861509/c:line/m:interactions.svg)

- X Week XXXXXXX -XX%
- X Month XXXXXXX +397%
- X Months XXXXXXXXX -XX%
- X Year XXXXXXXXX -XX%

### Mentions: XX [#](/creator/twitter::16861509/posts_active)
![Mentions Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::16861509/c:line/m:posts_active.svg)

- X Week XX -XX%
- X Month XXX +63%
- X Months XXX -XX%
- X Year XXXXX -XX%

### Followers: XXXXXX [#](/creator/twitter::16861509/followers)
![Followers Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::16861509/c:line/m:followers.svg)

- X Week XXXXXX +0.35%
- X Month XXXXXX +1.10%
- X Months XXXXXX +4.40%
- X Year XXXXXX +19%

### CreatorRank: XXXXXXX [#](/creator/twitter::16861509/influencer_rank)
![CreatorRank Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::16861509/c:line/m:influencer_rank.svg)

### Social Influence [#](/creator/twitter::16861509/influence)
---

**Social category influence**
[finance](/list/finance)  [stocks](/list/stocks)  [technology brands](/list/technology-brands)  [automotive brands](/list/automotive-brands)  [exchanges](/list/exchanges)  [cryptocurrencies](/list/cryptocurrencies)  #5765

**Social topic influence**
[fed](/topic/fed) #246, [fdic](/topic/fdic) #90, [insurance](/topic/insurance), [coinbase](/topic/coinbase) #2578, [$betr](/topic/$betr), [$nvda](/topic/$nvda) #2318, [nvda](/topic/nvda), [$crwv](/topic/$crwv), [oracle](/topic/oracle), [vix](/topic/vix)

**Top assets mentioned**
[Coinbase Global, Inc. (COIN)](/topic/coinbase) [Better Home & Finance Holding Company Class A Common Stock (BETR)](/topic/$betr) [NVIDIA Corp. (NVDA)](/topic/$nvda) [CoreWeave, Inc. (CRWV)](/topic/$crwv) [Metadium (META)](/topic/$meta) [Tesla, Inc. (TSLA)](/topic/$tsla) [Norwegian Cruise Line Holdings, Ltd. (NCLH)](/topic/$nclh) [Bread Financial Holdings, Inc. (BFH)](/topic/$bfh) [Amazon.com, Inc. (AMZN)](/topic/$amzn) [Microsoft Corp. (MSFT)](/topic/$msft) [Alphabet Inc Class A (GOOGL)](/topic/$googl) [Align Technology, Inc. (ALGN)](/topic/$algn) [GM (GM)](/topic/$gm) [Coop Coin (COOP)](/topic/$coop) [IonQ, Inc. (IONQ)](/topic/$ionq) [JPMorgan Chase (JPM)](/topic/$jpm) [Artificial Intelligence (AI4)](/topic/$ai4) [Bitcoin (BTC)](/topic/bitcoin)
### Top Social Posts [#](/creator/twitter::16861509/posts)
---
Top posts by engagements in the last XX hours

"@amitisinvesting $NCLH $BETR $BFH"  
[X Link](https://x.com/ramahluwalia/status/1973878065551061166) [@ramahluwalia](/creator/x/ramahluwalia) 2025-10-02T22:29Z 47K followers, XXX engagements


"The CEO of Sequoia came and said the quiet part outloud. Venture Capital is not an asset class. The returns to investors cant beat QQQ in aggregate. Unless you can get into the best funds and discern who they are its not worth it"  
[X Link](https://x.com/ramahluwalia/status/1979363934051406294) [@ramahluwalia](/creator/x/ramahluwalia) 2025-10-18T01:48Z 47K followers, 6842 engagements


"@benitoz yes indeed. coreweave is crimping AWA growth"  
[X Link](https://x.com/ramahluwalia/status/1979612562741186939) [@ramahluwalia](/creator/x/ramahluwalia) 2025-10-18T18:16Z 47K followers, XXX engagements


"@strassa2 I read it. Their diligence is light and has errors. Coreweave is more efficient at compute then hyperscalars. This was an event driven report they dropped in Sept without much research. fun fact: I was in investor in Kerrisdale 10+ years ago and know these guys strategies"  
[X Link](https://x.com/ramahluwalia/status/1979632492148875588) [@ramahluwalia](/creator/x/ramahluwalia) 2025-10-18T19:35Z 47K followers, XXX engagements


"@Beth_Kindig How much share does $CRWV get vs Oracle vs Microsoft vs Google at Cloud layer is the next Q"  
[X Link](https://x.com/ramahluwalia/status/1979699109239156966) [@ramahluwalia](/creator/x/ramahluwalia) 2025-10-19T00:00Z 47K followers, XXX engagements


"@unusual_whales not a single original idea in the replies thats not been bandied about on X"  
[X Link](https://x.com/ramahluwalia/status/1974884382210175017) [@ramahluwalia](/creator/x/ramahluwalia) 2025-10-05T17:08Z 47.1K followers, 3864 engagements


"@piqw1k @unusual_whales agreed on $algn we were looking at it this week"  
[X Link](https://x.com/ramahluwalia/status/1974889881072734690) [@ramahluwalia](/creator/x/ramahluwalia) 2025-10-05T17:30Z 47.1K followers, XXX engagements


"Brutal day. The Trump news combined with 'overbought' conditions led to a sharp decline. I would expect that if there is a gap down Monday open with a Vix spike that would be buyable. The froth is getting cleared out quickly. Earnings season is just around the corner and the banks will report just fine this week. The traders who exited their positions will be back soon"  
[X Link](https://x.com/ramahluwalia/status/1976741178109280442) [@ramahluwalia](/creator/x/ramahluwalia) 2025-10-10T20:06Z 47.1K followers, 33.7K engagements


"@sedonaroxx Plano Jacksonville Grand Rapids Salt Lake City Houston Raleigh Durham Triangle Austin"  
[X Link](https://x.com/ramahluwalia/status/1979376182488346795) [@ramahluwalia](/creator/x/ramahluwalia) 2025-10-18T02:37Z 47.1K followers, XXX engagements


"2/ Here was my write up on Coreweave before the IPO Stock is up 3x+ since IPO 9x if you got in at the pre-ipo round"  
[X Link](https://x.com/ramahluwalia/status/1979605193168728293) [@ramahluwalia](/creator/x/ramahluwalia) 2025-10-18T17:47Z 47.1K followers, 3031 engagements


"Citi's Jane Fraser commented on how Tokenized Deposits are poised to take share from stablecoins. I agree. (But I want a world where the big banks aren't the winners here despite their tremendous advantages.) This is a theme we've discussed as well. Here's an excerpt from the Lumida Ledger dropping this Sunday at 11am ET analyzing this. Be sure to subscribe"  
[X Link](https://x.com/ramahluwalia/status/1979898600831197232) [@ramahluwalia](/creator/x/ramahluwalia) 2025-10-19T13:13Z 47.1K followers, 8268 engagements


"Subscribe to the Lumida Ledger here:"  
[X Link](https://x.com/ramahluwalia/status/1979898706334756936) [@ramahluwalia](/creator/x/ramahluwalia) 2025-10-19T13:13Z 47.1K followers, 1420 engagements


"KIDS VS PARENTS The prevailing narrative is that there is an inter-generational conflict. Boomers priced next gen out of the housing market and time the bottom in a secular run in rates starting since 1982. Here's some data to change that view. Spoke to my favroite consumer discretionary analyst (aka my barber). She is a Mom with X adult kids aged XX and up. She noted that: (i) All her kids live with her (ii) they all have higher take-home pay since the kids aren't paying the mortgage mom is (iii) the kids are savings and spending on Restaurants and her son is degening on Sports Betting (iv)"  
[X Link](https://x.com/ramahluwalia/status/1978261054703517752) [@ramahluwalia](/creator/x/ramahluwalia) 2025-10-15T00:46Z 47.1K followers, 5199 engagements


"MAMDANI AND THE FUTURE OF NYC Mamdanis pitch to NYC taxpayers is that he will improve their quality of life. And yet he also wants to reduce Rikers Island by releasing thousands of prisoners. It certainly makes the quality of life better for criminals. 2) On buses youll see a two tier economy. People will opt-out of taking buses when homeless people crowd on to them. Taxpayers will take Uber making traffic congestion and fares worse. 3) Friend who is plugged into NYPD told me many cops are looking at early retirement. They dont want to work for a mayor that thinks policing is a Marxist social"  
[X Link](https://x.com/ramahluwalia/status/1979372631271813576) [@ramahluwalia](/creator/x/ramahluwalia) 2025-10-18T02:23Z 47.1K followers, 31.5K engagements


"@strassa2 No. The borrowing is asset backed and linked to customer contracts. I have a thread explaining this"  
[X Link](https://x.com/ramahluwalia/status/1979621827967320326) [@ramahluwalia](/creator/x/ramahluwalia) 2025-10-18T18:53Z 47.1K followers, XXX engagements


"Link the Lumida AI Investing Co-Pilot here: It's in testflight on iOS store. Public release coming within weeks. Looking for more beta testers"  
[X Link](https://x.com/ramahluwalia/status/1980318333988995559) [@ramahluwalia](/creator/x/ramahluwalia) 2025-10-20T17:00Z 47.1K followers, 1302 engagements


"Did you get your financials going into earnings season TIL: Our research analyst had a stock trading competition. Everyone picks X names. He picked: - a mortgage refinance play - a uranium idea linked to HALEU - an ethereum-linked idea You might be able to guess those names. In any case he is destroying his friends in this friendly competition. Cross-Asset class thematic investing works. Take a look at the insurance sector - quite interesting here. We like many names in this category and many are technically setup"  
[X Link](https://x.com/ramahluwalia/status/1978181856156676583) [@ramahluwalia](/creator/x/ramahluwalia) 2025-10-14T19:31Z 47.1K followers, 7816 engagements


"CONSUMER DISCRETIONARY People keep telling me we are in a recession. $GM reported and raised guidance and is up 9%. Zions Bank just said the Canton risks are one-off and not indicative of credit risk (what I said last Thu). Banks are at record profits. Mortgage refinance is cranking putting more disposable income in consumer pockets. Is the recession in the room with us now We got tired of all these negative headlines so we launched Check it out"  
[X Link](https://x.com/ramahluwalia/status/1980606948534857878) [@ramahluwalia](/creator/x/ramahluwalia) 2025-10-21T12:07Z 47.1K followers, 6901 engagements


"@BrianSheehy_ That is functionally equivalent to issuing bank sub debt"  
[X Link](https://x.com/ramahluwalia/status/1980814314799079679) [@ramahluwalia](/creator/x/ramahluwalia) 2025-10-22T01:51Z 47.1K followers, XX engagements


"Secretary Bessent just laid out our mortgage refinance thesis. When does Rocket Mortgage buy $BETR is my question Rocket bought another stock we've owned $COOP which is a leading mortgage servicer. Rocket has a $XX Bn market cap and a forward PE of 44x -- higher than $NVDA. They are supposed to do M&A"  
[X Link](https://x.com/ramahluwalia/status/1970824452205125928) [@ramahluwalia](/creator/x/ramahluwalia) 2025-09-24T12:15Z 47.1K followers, 18.6K engagements


"Sell me this community bank. Heres why community banks are facing Stage X terminal decline. Banks lend move money and custody. 1) Lending: Post-GFC regs pushed banks out of credit risk into HQLA. Community banks dont take real credit risk now. They provide back leverage and lower cost of deposit banks that can attract deposits have the edge. Community banks have higher deposit costs than the big banks. 2) Payments: Fintechs like Stripe and others own every niche for payments (with a handful of specialized infra banks like Cross River & Leed Bank benefitting from tollgate flows). These"  
[X Link](https://x.com/ramahluwalia/status/1974664784806096953) [@ramahluwalia](/creator/x/ramahluwalia) 2025-10-05T02:35Z 47.1K followers, 16.4K engagements


"I will be buying Digital Assets at the market open. There are quite a few mispricings in the chaos. Bottom is in liquidations are in Trump is doing a Taco. Throw in Bank Earnings and Q4 seasonality + Vix up XX% + expectations are too low. Separately did you see the $X Bn $IONQ raised And they issued penny warrants which they called "pre-funded" (what a euphemism). Which suckers did JP Morgan talk into doing this"  
[X Link](https://x.com/ramahluwalia/status/1977394454492291502) [@ramahluwalia](/creator/x/ramahluwalia) 2025-10-12T15:22Z 47.1K followers, 30K engagements


"CREDIT RISK After Friday's flush am tiling bullish and will be increasing net exposure. The only big question out there is this. The BDCs Banks Private Credit and Consumer Finance complex have sold off significantly in the last month or so. Of course the common theme here is credit risk. What caused this sell-off was the the fraudulent collapse of suprime auto lender (Tricolor) and First Brand's bankruptcy. These events have caused a confidence shock in investors. But quality names have sold off with junky names. The Spring 2023 banking crisis exposed several banks when the tide went out --"  
[X Link](https://x.com/ramahluwalia/status/1977537259365654990) [@ramahluwalia](/creator/x/ramahluwalia) 2025-10-13T00:49Z 47.1K followers, 22.5K engagements


"BIG BANKS BEAT Beat beats and more beats. We're doing a deep-dive focused solely on the earnings transcript analysis in @LumidaWealth next newsletter dropping this weekend. There is no better real-time view in the economy than the health of US bank lending and earnings. Wells Fargo is up X% in part driven by the mortgage refinance boom"  
[X Link](https://x.com/ramahluwalia/status/1978092516902686995) [@ramahluwalia](/creator/x/ramahluwalia) 2025-10-14T13:36Z 47.1K followers, 7319 engagements


"Jamie has been talking about 'economic hurricanes' and has been wrong for years. He needs to say this and look responsible to the regulators and millions of depositors that have savings at $JPM well in excess of the FDIC insurance cap"  
[X Link](https://x.com/ramahluwalia/status/1978092839465541672) [@ramahluwalia](/creator/x/ramahluwalia) 2025-10-14T13:37Z 47.1K followers, 1431 engagements


"@jessepollak @coinbase fdic insurance"  
[X Link](https://x.com/ramahluwalia/status/1978656482460684302) [@ramahluwalia](/creator/x/ramahluwalia) 2025-10-16T02:57Z 47.1K followers, XXX engagements


"The Death of the Regional Banks due to credit risk is greatly exaggerated"  
[X Link](https://x.com/ramahluwalia/status/1979170943042764855) [@ramahluwalia](/creator/x/ramahluwalia) 2025-10-17T13:01Z 47.1K followers, 3597 engagements


"COREWEAVE / NVIDIA Wild that one could have bought $CRWV on the open market at sub-$40. It has a $XX Bn backlog now (on $X Bn in trailing XX month sales) and XX% gross margin. They have a commitment from Nvidia to take any unfilled capacity. Nvidia is a kingmaker. Unlike the hyperscalars and Oracle CoreWeave is not trying to compete with Nvidia with custom silicon. CoreWeave is strategic to Nvidia so they will get the GPUs. The spice must flow. on Nvidia the analyst expectations for revenue growth are too conservative looking thru to 2027. Funny that betting on these two is Non-Consensus"  
[X Link](https://x.com/ramahluwalia/status/1979603957803520062) [@ramahluwalia](/creator/x/ramahluwalia) 2025-10-18T17:42Z 47.1K followers, 40.1K engagements


"@macroleverageTP people are attuned to fear fear sells"  
[X Link](https://x.com/ramahluwalia/status/1980297993950826571) [@ramahluwalia](/creator/x/ramahluwalia) 2025-10-20T15:40Z 47.1K followers, XX engagements


"FSD #7: Fight the Negativity"  
[X Link](https://x.com/ramahluwalia/status/1980310720849006736) [@ramahluwalia](/creator/x/ramahluwalia) 2025-10-20T16:30Z 47.1K followers, 3094 engagements


"The S&P is XX bps off of all time highs. .and yet the sentiment guages and news headlines show "extreme fear" Meanwhile the S&P "is set for best two-day advance since June" We noted last week the "Death of the Regional Banks is Greatly exaggerated". They are reporting this week and by now would have completed many of their 1st lien checks"  
[X Link](https://x.com/ramahluwalia/status/1980364740284350777) [@ramahluwalia](/creator/x/ramahluwalia) 2025-10-20T20:05Z 47.1K followers, 13K engagements


"FED BEAR HUGS CRYPTO Has there ever been a more permissive bank regulatory environment Take a look at what Fed Governor Waller said today: Stablecoins and tokenized assets making use of distributed ledger technology. The rapid adoption of artificial intelligence (AI). And increasingly the convergence between these innovations and the traditional financial ecosystem. This includes the institutions and infrastructure that our economy has long depended on to operate a safe and efficient payment system. And yes this also includes the Federal Reserve. The revolution transforming payments is"  
[X Link](https://x.com/ramahluwalia/status/1980804406107861126) [@ramahluwalia](/creator/x/ramahluwalia) 2025-10-22T01:12Z 47.1K followers, 12.6K engagements


"4/ Flashback below Never stop building"  
[X Link](https://x.com/ramahluwalia/status/1980809434197815339) [@ramahluwalia](/creator/x/ramahluwalia) 2025-10-22T01:32Z 47.1K followers, 2309 engagements


"Gold had its largest one day drop in over a decade. On the same day Bitcoin went up. Wouldnt both go up if this is a dollar debasement trade More plausible: Traders chasing momentum Meanwhile banks beat (again)"  
[X Link](https://x.com/ramahluwalia/status/1980937664317845783) [@ramahluwalia](/creator/x/ramahluwalia) 2025-10-22T10:01Z 47.1K followers, 4951 engagements


"ANIMAL SPIRITS Today these securities include names in uranium quantum stocks space stocks and other 'lottery ticket' type ideas. We have a custom basket of securities titled 'High short interest + high retail interest' It's a great way to track how similar securities rise and fall together. This theme has been the strongest performer this year. We track this and other baskets using or AI tool as a barometer to get a sense of how retail investors are acting. What this is showing is a general weakening and potential breakdown in this category. Under the surface what's happening is this. There"  
[X Link](https://x.com/ramahluwalia/status/1981001268593111196) [@ramahluwalia](/creator/x/ramahluwalia) 2025-10-22T14:14Z 47.1K followers, 4139 engagements


"We'll have a simpler UX friendly version of this available at Launching soon join the waitlist"  
[X Link](https://x.com/ramahluwalia/status/1981001419953225990) [@ramahluwalia](/creator/x/ramahluwalia) 2025-10-22T14:15Z 47.1K followers, 1607 engagements