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Readers,

Welcome to The Starting 5 Newsletter! The 30 Second Newsletter with stocks, motivation, and tunes! Hope you enjoy!

1. Stock Performance 📈

DIA: $456.10 ↓ 0.02%
NASDAQ Composite Index: 21,834.55 ↑ 0.16%
S&P 500 (SPY): $648.73 ↓ 0.02%
AMZN: $236.17 ↑ 0.14%
AAPL: $236.75 ↓ 0.48%

Introducing The Warm-Up — the once-a-week newsletter breaking down the music behind the world’s top athletes.

Founded by two former Division I athletes, we’re not here to clutter your inbox — just one email a week with the pre-game playlists, locker room anthems, and go-to tracks that fuel champions and teams. Song-by-song, we show you what today’s top performers are listening to before they dominate.

It’s like having that teammate who always had the aux cord… now in your inbox.

Subscribe NOW — and level up your playlist.

2. Crypto Check-In 🪙

BTC: $112,850.00 ↑ 0.8%
ETH: $4,356.00 ↑ 0.9%
SOL: $218.10 ↑ 2.1%
LTC: $113.70 ↑ 0.6%

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3. Motivation Of The Day 💭

“Only those who will risk going too far can possibly find out how far one can go.”
— T. S. Eliot

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4. Term Of The Day 📚

Carrying Cost (Inventory Carrying Cost)

📖Definition: The total cost of holding inventory over time, including warehousing costs (rent, utilities, staffing), financial costs (opportunity cost of tied-up capital), and inventory-related losses such as perishability and shrinkage

📊Why it matters: This cost, often ranging between 20%–30% of inventory value, significantly affects pricing, profitability, and decisions about stock turnover and supply chain efficiency.

💡Example: A retailer holds $100,000 worth of seasonal goods in a warehouse. With carrying costs around 25%, they incur approximately $25,000 annually in expenses—impacting pricing strategy, discount timelines, and replenishment decisions.

5. Song Of The Day 🎧

🎧Song: “The Way You Make Me Feel” by Frank Sinatra
Genre: Pop (Classic)
Why it hits: A timeless crooner’s charm—smooth, uplifting, and heartfelt. Instantly brightens your mood, perfect for easing into the workday with some nostalgic flair.

If you work in fintech or finance, you already have too many tabs open and not enough time.

Fintech Takes is the free newsletter senior leaders actually read. Each week, we break down the trends, deals, and regulatory moves shaping the industry — and explain why they matter — in plain English.

No filler, no PR spin, and no “insights” you already saw on LinkedIn eight times this week. Just clear analysis and the occasional bad joke to make it go down easier.

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5 New Additional Sections of information for Premium Subscribers!

1. Understanding the stock market - 1 to 2 facts a day that will help you understand how stocks works, about the stock market, or about certain stocks

2. Understanding Crypto - 1 to 2 facts a day that will help me understand how crypto works, about the crypto market, or about certain coins

3. Personal Finance Tips - 1 tip a day to help with your personal finance needs

4. AI Facts & News - 2 AI facts or AI news that you would like to see and enjoy

5. 1 Side Hustle - 1 side hustle a day that you can start today with details on how to do it

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Thanks For Reading,

The Starting 5 Team