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# ![@realroseceline Avatar](https://lunarcrush.com/gi/w:26/cr:twitter::1304847419163639808.png) @realroseceline Rose Celine Investments 🌹

Investors are discussing various stocks, including $DLO, $MELI, and $SE, with some sharing their investment strategies and thoughts on the companies' potential for growth. Some investors are focusing on companies with strong leadership, capital-efficient business models, and high profitability, such as $DLO, which recently paid out a $150m dividend. The conversation also touches on the importance of understanding a company's business model, management, and market position before investing, with some investors expressing confidence in their long-term holdings.

### Engagements: XXXXXX [#](/creator/twitter::1304847419163639808/interactions)
![Engagements Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1304847419163639808/c:line/m:interactions.svg)

- X Week XXXXXX -XX%
- X Month XXXXXXX -XXXX%
- X Months XXXXXXXXX +352%
- X Year XXXXXXXXX +13,240%

### Mentions: XX [#](/creator/twitter::1304847419163639808/posts_active)
![Mentions Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1304847419163639808/c:line/m:posts_active.svg)

- X Week XX -XX%
- X Month XXX -XX%
- X Months XXXXX +36%
- X Year XXXXX +1,051%

### Followers: XXXXXX [#](/creator/twitter::1304847419163639808/followers)
![Followers Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1304847419163639808/c:line/m:followers.svg)

- X Week XXXXXX +1.10%
- X Month XXXXXX +9.70%
- X Months XXXXXX +282%
- X Year XXXXXX +2,035%

### CreatorRank: XXXXXXX [#](/creator/twitter::1304847419163639808/influencer_rank)
![CreatorRank Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1304847419163639808/c:line/m:influencer_rank.svg)

### Social Influence [#](/creator/twitter::1304847419163639808/influence)
---

**Social category influence**
[luxury brands](/list/luxury-brands)  #1904 [finance](/list/finance)  XXX% [cryptocurrencies](/list/cryptocurrencies)  XXXX% [stocks](/list/stocks)  XXXX% [automotive brands](/list/automotive-brands)  XXXX% [technology brands](/list/technology-brands)  XXXX% [countries](/list/countries)  XXX%

**Social topic influence**
[$root](/topic/$root) #22, [insurance](/topic/insurance) #763, [$dlo](/topic/$dlo) #18, [$meli](/topic/$meli) #14, [money](/topic/money) #3971, [stocks](/topic/stocks) 0.31%, [$four](/topic/$four) #40, [tesla](/topic/tesla) 0.21%, [instead of](/topic/instead-of) 0.21%, [approved](/topic/approved) #765

**Top accounts mentioned or mentioned by**
[@theraymyers](/creator/undefined) [@kaladindz](/creator/undefined) [@dumbobservation](/creator/undefined) [@no_cap_cap](/creator/undefined) [@tacticzh](/creator/undefined) [@mh1411996](/creator/undefined) [@nocapcap](/creator/undefined) [@kryptobull2025](/creator/undefined) [@carmoanalyse](/creator/undefined) [@carmo_analyse](/creator/undefined) [@blueblearbase](/creator/undefined) [@mrfundatechnic](/creator/undefined) [@misteraccord](/creator/undefined) [@irnestkaplan](/creator/undefined) [@exp_philosopher](/creator/undefined) [@deepvaluebagger](/creator/undefined) [@spike1567](/creator/undefined) [@tryainvest](/creator/undefined) [@joecarlsonshow](/creator/undefined) [@invest091](/creator/undefined)

**Top assets mentioned**
[The Root Network (ROOT)](/topic/$root) [DLocal Limited Class A Common Shares (DLO)](/topic/$dlo) [MercadoLibre Inc (MELI)](/topic/$meli) [4 (FOUR)](/topic/$four) [Tesla, Inc. (TSLA)](/topic/tesla) [Carvana Co. (CVNA)](/topic/$cvna) [Costco Wholesale Corporation (COST)](/topic/costco) [Lemonade, Inc. (LMND)](/topic/$lmnd) [Oscar Health, Inc. (OSCR)](/topic/$oscr) [UnitedHealth Group (UNH)](/topic/$unh) [Booking Holdings Inc (BKNG)](/topic/$bkng) [Expedia Group Inc (EXPE)](/topic/$expe) [Southwest Airlines Co (LUV)](/topic/$luv) [Costco Hot Dog (COST)](/topic/$cost) [Return to Beginnings (ROOTS)](/topic/$roots) [Wise (WISE)](/topic/$wise) [JPMorgan Chase (JPM)](/topic/$jpm) [Amazon.com, Inc. (AMZN)](/topic/$amzn) [Interlay (INTR)](/topic/$intr)
### Top Social Posts [#](/creator/twitter::1304847419163639808/posts)
---
Top posts by engagements in the last XX hours

"The Upside in $ROOT $ROOT embedded partnership with $CVNA is cleaver. It gets their insurance in front of customers at the point of sale cutting customer acquisition costs and making scaling easier. The risk is $ROOT relies heavily on $CVNA. If $CVNA sales slow or they decide to partner with someone else or who knows what it could hurt Roots embedded volume. Thats why diversifying partnerships is important so theyre not tied to one partner. Obviously managment knows this and the partnership channel is growing very fast. $ROOT is not even in all XX states yet which means there is still a lot"  
[X Link](https://x.com/realroseceline/status/1978195138909520288) [@realroseceline](/creator/x/realroseceline) 2025-10-14T20:24Z 11.1K followers, 9745 engagements


"Keep asking myself whats the point of owning $FOUR when I can own more $DLO 🌹"  
[X Link](https://x.com/realroseceline/status/1975968921145774437) [@realroseceline](/creator/x/realroseceline) 2025-10-08T16:57Z 11.1K followers, 18.2K engagements


"Update: Talked to my friend today working with $ROOT today. He said the tech and training are great but the product has issues. You only get the telematics discount if you buy direct not through agents so third party quotes come in high. He ran five Tesla quotes all in California and said all were expensive. 🌹"  
[X Link](https://x.com/realroseceline/status/1976118040803803258) [@realroseceline](/creator/x/realroseceline) 2025-10-09T02:50Z 11.1K followers, 12.3K engagements


"Book Review: The Only Bet That Counts by Ricardo Antonio Celini I just finished The Only Bet That Counts and it really liked it. The books main idea is simple. Most investors spread themselves too thin. To really make money you need to focus on a few high conviction bets and stick with them. Celini explains how to find those bets. Look at the company the founder and the market. The best companies have what he calls monster DNA. They have visionary leaders strong moats and the ability to scale in changing industries. The book also talks about psychology. If you concentrate your portfolio you"  
[X Link](https://x.com/realroseceline/status/1975969529202344410) [@realroseceline](/creator/x/realroseceline) 2025-10-08T17:00Z 11.1K followers, 6942 engagements


"@MrFundaTechnic Welcome aboard much smarter than buying Amazon imho 🌹"  
[X Link](https://x.com/realroseceline/status/1978814710444073226) [@realroseceline](/creator/x/realroseceline) 2025-10-16T13:26Z 11.1K followers, XXX engagements


"@baggers4beggers Interesting btw I think $Dlo is coming to NA"  
[X Link](https://x.com/realroseceline/status/1975998450451042523) [@realroseceline](/creator/x/realroseceline) 2025-10-08T18:55Z 11.1K followers, XXX engagements


"What should I write my next investing article about Good ideas only pls. 🙏 🌹"  
[X Link](https://x.com/realroseceline/status/1967738612453442001) [@realroseceline](/creator/x/realroseceline) 2025-09-15T23:53Z 11.1K followers, 4188 engagements


"Costco would be a great embedded partnership for $ROOT IMHO 🌹"  
[X Link](https://x.com/realroseceline/status/1976070245979930631) [@realroseceline](/creator/x/realroseceline) 2025-10-08T23:40Z 11.1K followers, 4312 engagements


"@tadhelm I am saying this logic for buying a business is weird and makes no sense to me. Also Amazon specifically has produced almost no returns for the last X years"  
[X Link](https://x.com/realroseceline/status/1978497941162618950) [@realroseceline](/creator/x/realroseceline) 2025-10-15T16:27Z 11.1K followers, 1014 engagements


"@CedarStResearch I dont think $ROOT needs to do anything fancy. They just need to expand to all XX states and keep building partnerships. The management is solid the valuation is cheap and the model is simple even if the results can swing"  
[X Link](https://x.com/realroseceline/status/1975612793924825588) [@realroseceline](/creator/x/realroseceline) 2025-10-07T17:22Z 11.1K followers, XXX engagements


"@aymanraouf Thats not a big chunk its literally the best in the industry"  
[X Link](https://x.com/realroseceline/status/1976120100890853423) [@realroseceline](/creator/x/realroseceline) 2025-10-09T02:58Z 11.1K followers, XX engagements


"I dont really have a good answer. Ideas just come to me sometimes and sometimes they dont. I found $DLO because their CEO used to work at a company I was already invested in. I found $ROOT through a friend. I found $FOUR from X. Unfortunately I dont have some special or unique way of discovering stocks"  
[X Link](https://x.com/realroseceline/status/1977873080467992938) [@realroseceline](/creator/x/realroseceline) 2025-10-13T23:04Z 11.1K followers, 1647 engagements


"The amount of attention a little stock market decline gets is staggering. 🌹"  
[X Link](https://x.com/realroseceline/status/1977412279193997568) [@realroseceline](/creator/x/realroseceline) 2025-10-12T16:33Z 11.1K followers, 6465 engagements


"Thoughts on insurance: People ask me about $LMND $OSCR $UNH etc and sure there will be winners in the insurance industry. But Ive never liked insurance so I dont spend time on it. You cant own everything. Heres why: Insurance profits are delayed and uncertain. A year that looks great on paper might blow up years later when claims roll in. Risk is priced using data in a world that keeps changing that bet gets harder every year. Reserving is guesswork. Small changes in assumptions can make earnings look better than they are until they arent. Even good underwriting is hard to spot. Playing it"  
[X Link](https://x.com/realroseceline/status/1937926367636762798) [@realroseceline](/creator/x/realroseceline) 2025-06-25T17:30Z 11.1K followers, 11.3K engagements


"The Power of Distribution in Business Distribution looks boring on the surface but it decides who wins and who loses. Airlines are a good example. The ones that gave demand to $EXPE and $BKNG have done worse than the ones that owned demand themselves. $LUV is the clear case. It made you book directly and by doing that it owned and fully controlled its brand its economics and its customer. This is not new. Railroads in the 1800s had the same problem. The ones that sold tickets directly did better than the ones that relied on agents. $NFLX made the right call by moving away from DVDs through"  
[X Link](https://x.com/realroseceline/status/1969046106488365566) [@realroseceline](/creator/x/realroseceline) 2025-09-19T14:29Z 11.1K followers, 6690 engagements


"@MisterAccord Recheck the numbers root is profitable. Asking for retained earnings doesnt make sense anyway at this stage they havent even launched nationwide yet. Fact that they are profitable and have the best in class loss ratio and profitable on CR is super impressive"  
[X Link](https://x.com/realroseceline/status/1967756255444996196) [@realroseceline](/creator/x/realroseceline) 2025-09-16T01:03Z 11.1K followers, XXX engagements


"@simoyw91 I didnt say its a cigar butt but I dont think its a great buy either. Point of my article wasnt Adobe it was completely different. 🌹"  
[X Link](https://x.com/realroseceline/status/1978993750429794324) [@realroseceline](/creator/x/realroseceline) 2025-10-17T01:17Z 11.1K followers, XX engagements


"$COST is an incredible business with a strong moat and great economics but at the end of the day its just a business. Its not changing the world or curing cancer. It will keep compounding steadily but if I ask myself whether Id buy the whole thing at 50x earnings the answer is no"  
[X Link](https://x.com/realroseceline/status/1976352911635693859) [@realroseceline](/creator/x/realroseceline) 2025-10-09T18:23Z 11.1K followers, 9068 engagements


"$ROOT Is Becoming a Compounding Machine $ROOT data and AI edge is finally showing in the numbers. Loss ratios are improving and the partnership model is working. $ROOTs idea is simple. Use real driving data instead of guesses to price insurance. The app tracks how people drive and the AI sets their rate. That brings in safer drivers and lowers losses over time. They already have a massive amount of driving data. That is their moat. Better data means better pricing which means better customers which means fewer losses. It keeps compounding. In 2021 they moved away from expensive direct"  
[X Link](https://x.com/realroseceline/status/1975543168109330867) [@realroseceline](/creator/x/realroseceline) 2025-10-07T12:46Z 11.1K followers, 12.8K engagements


"I got a nice update for you guys with $ROOT and my friend. 🌹"  
[X Link](https://x.com/realroseceline/status/1975769796047478931) [@realroseceline](/creator/x/realroseceline) 2025-10-08T03:46Z 11.1K followers, 25.6K engagements


"@MrFundaTechnic Cleaner simpler more efficient debt free"  
[X Link](https://x.com/realroseceline/status/1975971251429716341) [@realroseceline](/creator/x/realroseceline) 2025-10-08T17:07Z 11.1K followers, XXX engagements


"The Illusion of Undervaluation Something Ive noticed throughout my investing journey is how often people say this business is cheap so Ill buy it. And sure you can make some money doing that. If youre somewhat intelligent you can probably identify a cheap business thats undervalued. A couple come to mind right away. I have nothing against them personally and Im only using them as examples since people online can get sensitive quickly when you talk about their stocks but names like $PYPL or $ADBE fit that description. Theyre cheap businesses and probably undervalued by some margin. But just"  
[X Link](https://x.com/realroseceline/status/1978848313555501559) [@realroseceline](/creator/x/realroseceline) 2025-10-16T15:39Z 11.1K followers, 9411 engagements


"Today I took a look at $WISE (Wise plc) and its a compelling fintech businesses. Heres why: Wise is a UK based company that allows users both individuals and businesses to move money internationally at a lower cost than traditional banks. Their core innovation is using real exchange rates (mid market) and minimizing transfer fees. Over the years theyve expanded into multi currency accounts debit cards and B2B payment solutions essentially becoming a financial infrastructure platform for global money movement. On the income statement the numbers are strong. For FY 2024 revenue came in at 1.54"  
[X Link](https://x.com/realroseceline/status/1922430491732676647) [@realroseceline](/creator/x/realroseceline) 2025-05-13T23:15Z 11.1K followers, 27.1K engagements


"@kakashisan213 Thats for a ring your opinion. What stocks offer more attractive opportunities longterm"  
[X Link](https://x.com/realroseceline/status/1978448240161783891) [@realroseceline](/creator/x/realroseceline) 2025-10-15T13:09Z 11.1K followers, XXX engagements


"I like the way Warren says it better when the tide goes out well see whos been swimming naked. 🌹"  
[X Link](https://x.com/realroseceline/status/1978523542623797334) [@realroseceline](/creator/x/realroseceline) 2025-10-15T18:09Z 11.1K followers, 6768 engagements


"What company should I look at next Has to be: Relatively small Fast growing Profitable Reasonably valued Strong management High returns on capital Easy to understand: Im not trying to cure cancer or count pi to the 20th digit. No banks no insurance no oil and gas no healthcare no biotech you get the point Ideally something overlooked or underappreciated. Hint: last time I did this I chose $XPEL Drop the ticker and a note on why its worth a look. If something catches my eye I will write a post about it. 🌹"  
[X Link](https://x.com/realroseceline/status/1935379842792571286) [@realroseceline](/creator/x/realroseceline) 2025-06-18T16:51Z 11.1K followers, 31.5K engagements


"@DanielsonM19179 @MrFundaTechnic $MELI is a reinvestment machine in one of the most underpenetrated digital markets in the world. Most of LATAM still shops offline and transacts in cash. Every dollar $MELI reinvests compounds across logistics payments credit and ads (albeit thats also true for Amazon)"  
[X Link](https://x.com/realroseceline/status/1978938338737561834) [@realroseceline](/creator/x/realroseceline) 2025-10-16T21:37Z 11.1K followers, XXX engagements


"@laocoon_7 Small cap and penny stocks are about as similar as you and Warren Buffett. And no thats not what I said at all What I said is small companies have more potential than larger ones which is a commonly known fact"  
[X Link](https://x.com/realroseceline/status/1978110171164348830) [@realroseceline](/creator/x/realroseceline) 2025-10-14T14:46Z 11.1K followers, XX engagements


"I am bored ask me anything (or tell me something entertaining) GO 🌹"  
[X Link](https://x.com/realroseceline/status/1976788817031180633) [@realroseceline](/creator/x/realroseceline) 2025-10-10T23:15Z 11.1K followers, 4474 engagements


"The Advantage of Being Small Theres nothing wrong with investing in a very large company. A so called mega cap like $AMZN is worth around $X trillion. For it to 10x it would probably need to be worth around $XX trillion. That would likely mean close to a trillion dollars in profit (at 20-25x earnings). Is that impossible Probably not or perhaps a better answer is I dont know. But the better question is whether its necessary As small investors we dont have to play that game. We have a wide universe of opportunities that go far beyond the XXX to 1000 big names everyone already talks about."  
[X Link](https://x.com/realroseceline/status/1977837864160489816) [@realroseceline](/creator/x/realroseceline) 2025-10-13T20:44Z 11.1K followers, 35.9K engagements


"@adrewrogers I cannot come up with a good answer can you"  
[X Link](https://x.com/realroseceline/status/1976029153267957938) [@realroseceline](/creator/x/realroseceline) 2025-10-08T20:57Z 11.1K followers, 1162 engagements


"@ValueHunter7 People who say that dont really understand the business model. A lower rate isnt a problem its actually good if total payment volume grows faster than rates decline. What really matters for $DLO is gross profit growth not the rate itself"  
[X Link](https://x.com/realroseceline/status/1976351198249943183) [@realroseceline](/creator/x/realroseceline) 2025-10-09T18:16Z 11.1K followers, XXX engagements


"Book Review: Rule Breaker Investing by David Gardner The book Rule Breaker Investing by David Gardner is about finding the companies that will define the future. Gardner says most people invest the wrong way. They focus on rules screens and valuation metrics instead of imagination innovation and human behavior. His main idea is that the biggest winners almost always look expensive and risky in the beginning. Amazon Tesla and Netflix all looked like bad bets early on. What they had in common was a product people loved visionary leadership and a business model that could scale fast. Gardner"  
[X Link](https://x.com/realroseceline/status/1976664978028626263) [@realroseceline](/creator/x/realroseceline) 2025-10-10T15:03Z 11.1K followers, 7354 engagements


"@baggers4beggers What do you think of $intr Why a nu account and not an inter Thanks for sharing your perspective"  
[X Link](https://x.com/realroseceline/status/1975997484834095244) [@realroseceline](/creator/x/realroseceline) 2025-10-08T18:51Z 11.1K followers, XXX engagements


"Someone stole all the $TSLA s 🌹"  
[X Link](https://x.com/realroseceline/status/1973564481138724930) [@realroseceline](/creator/x/realroseceline) 2025-10-02T01:43Z 11.1K followers, 4211 engagements


"@JM_Investment0 @fabj86 What does it even mean to stay consistent with reporting. No company reports real FCF. If they were actually producing a billion in free cash flow like you claim above then the stock would already be at $XXX and there would be nothing to debate"  
[X Link](https://x.com/realroseceline/status/1974157386677170540) [@realroseceline](/creator/x/realroseceline) 2025-10-03T16:59Z 11.1K followers, XXX engagements


"My thoughts on $DLO ceo Pedro Arnts recent interview: Record Revenue and Reaccelerating Growth dLocal posted $217M in revenue up XX% and XX% in constant currency its fastest growth since Q1 2024 driven by strength in Latin America and frontier markets. Payments Volume Continues to Surge Total payment volume hit $8.1B up XX% as dLocal scaled with global merchants in commerce remittances SaaS and on demand services. Cross Border Volumes Hit New Highs Cross border TPV grew XX% YoY to over $4B now XX% of the total which is outpacing local to local volume for a second straight quarter. Local to"  
[X Link](https://x.com/realroseceline/status/1925605194433536477) [@realroseceline](/creator/x/realroseceline) 2025-05-22T17:30Z 11.1K followers, 6605 engagements


"@ArunCherian12 Then buy and index fund"  
[X Link](https://x.com/realroseceline/status/1978101465051742390) [@realroseceline](/creator/x/realroseceline) 2025-10-14T14:11Z 11.1K followers, XX engagements


"Give me a good stock idea. Must be: X. Small X. Profitable with good balance sheet X. Growing fast X. Easy to understand (simple ideas not curing cancer or launching rockets) X. Reasonable valuation X. Preferably American Thx will pick my favorite idea and make a post about it. 🙏 🌹"  
[X Link](https://x.com/realroseceline/status/1941648888596922559) [@realroseceline](/creator/x/realroseceline) 2025-07-06T00:02Z 11.1K followers, 28.1K engagements


"If $ROOT embedded insurance works well in auto why wouldnt the same embedded strategy work in other verticals like renters pets etc 🌹"  
[X Link](https://x.com/realroseceline/status/1963332419848999039) [@realroseceline](/creator/x/realroseceline) 2025-09-03T20:05Z 11.1K followers, 5259 engagements


"Its my largest holding of approx XX years and I hope it drops another XX% 🌹"  
[X Link](https://x.com/realroseceline/status/1978811932602736692) [@realroseceline](/creator/x/realroseceline) 2025-10-16T13:15Z 11.1K followers, 13.8K engagements


"@thisisroobz Doesnt bother me bc if you invest in $MELI or $DLO etc its part of the game its like an input not an output. Over the next decades $MELI will do well just like it has in past decades despite all the FX and chaos along the way. 🌹"  
[X Link](https://x.com/realroseceline/status/1978843981279555801) [@realroseceline](/creator/x/realroseceline) 2025-10-16T15:22Z 11.1K followers, XXX engagements


"My friend just got approved by $ROOT to sell insurance in California. 🌹"  
[X Link](https://x.com/realroseceline/status/1973858474250678330) [@realroseceline](/creator/x/realroseceline) 2025-10-02T21:11Z 11.1K followers, 15.7K engagements


"@CedarStResearch If you want a pristine quality business youre goig to have to pay a high price. Whatever quirks $root has is subsidized by the low price. Is it perfect no but it doesnt need to be. The question is risk vs reward + price vs value"  
[X Link](https://x.com/realroseceline/status/1975618281416630533) [@realroseceline](/creator/x/realroseceline) 2025-10-07T17:44Z 11.1K followers, XXX engagements