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Two days from now, Elon Musk's rocket company goes public.
Ticker: SPCX.
IPO price: $135 per share.
Valuation: $1.75 trillion.
The largest initial public offering in the history of the American stock market.
And unlike almost every blockbuster IPO before it, SpaceX set aside 30% of all available shares specifically for retail investors.
Three times the typical retail allocation.
They want you to own this.
The question is whether you want to own it. How much. And what the smartest way to think about it actually is.
That is what this guide is for.
But First…Not Enough of You Are Unsubscribing.
We mean that.
We have been sending investing content all week. SpaceX. Growth plays.
Offense-minded retirement strategy.
And we keep getting the same email back.
Finally. Someone gets it.
But we also know some of you are still here out of habit. Still here because you liked the IRMAA content and advice on how to stretch your Social Security check.
So let us be completely direct.
We are building a community of the sharpest, most clear-eyed, most unscared retirees in America.
People who understand risk AND reward.
Who know the difference between a reckless bet and a calculated allocation. Who refuse to let fear make their financial decisions.
Who understand that a COMFORTABLE 25-year retirement requires growth. Not just protection.
If that is not you, the unsubscribe link is at the bottom. We genuinely mean it with respect.
The people who stay are going to build something extraordinary together.
Are you one of them?
The 10 Best AI Stocks to Own in 2026
AI is moving from experiment… to essential.
Every major industry is integrating it.
Every major company is investing in it.
By late 2025, AI was already an $800B market — growing at a pace that could push it well beyond $1 trillion in the years ahead.
Cloud infrastructure is scaling fast.
AI-enabled devices are multiplying.
Automation is becoming standard.
But here’s the real question…
When trillions flow into this transformation — which stocks stand to benefit most?
Our new report reveals 10 AI stocks positioned across the backbone of this shift — from the companies powering the infrastructure… to those embedding intelligence into everyday systems.
If you want exposure to one of the defining growth trends of this decade, start here.
The Retirement Math Nobody Shows You.
Here is the conversation most financial advisors are too cautious to have with you.
Your Social Security check is guaranteed. Inflation-adjusted. Paid for life. The most reliable income stream most Americans will ever have.
Your pension, if you have one, is the same. Guaranteed. Monthly. Predictable.
Those two income streams are your foundation. Your floor. The money that keeps the lights on and the groceries in the refrigerator regardless of what the stock market does on any given Tuesday.
They are not your ceiling.
And here is the painful truth about treating them like a ceiling.
A couple retiring today at 65 with combined Social Security and pension income of $5,500 per month sounds comfortable. $66,000 per year. Plenty of room.
Now apply 3.9% inflation every year for 25 years.
In today's dollars that $66,000 feels like $66,000.
In 2051 dollars, after 25 years of 3.9% inflation, that same purchasing power requires approximately $173,000 per year.
Your guaranteed income does not grow to $173,000. COLA adjustments historically lag real inflation. Medicare premiums eat a third of every raise before you spend a dollar.
The gap between what your guaranteed income provides and what your life actually costs gets wider every single year you are alive.
That gap has one solution.
Growth assets. Invested thoughtfully. Sized appropriately. Over time.
Not gambling. Not throwing your nest egg at speculation.
A deliberate allocation to companies building the next 50 years of the global economy. Inside a portfolio that is otherwise anchored by income, stability, and protection.
That is not reckless. That is retirement investing done the way the people who actually stayed wealthy did it.
The SpaceX Pre-IPO Retirement Guide.
What SpaceX actually is.
Forget the rockets for a moment. Here is the business.
Starlink. A global satellite internet constellation with over 10 million subscribers across 100 countries. A subscription business generating billions in recurring annual revenue. Growing every quarter.
Government contracts. $17 billion from NASA to return Americans to the moon. $4.8 billion in national security satellite launch contracts. The kind of predictable long-term revenue that makes defense contractors envious.
Starship. The most powerful rocket ever built. Already reusable. Capable of transforming industries that do not fully exist yet.
2025 revenue: $18.67 billion.
Net loss: $4.9 billion.
Yes. SpaceX lost money last year. Stay with us.
The Honest Bull Case.
Elon Musk has built two multi-trillion dollar companies from scratch. Tesla. SpaceX itself. A third is not outside the realm of possibility.
Starlink alone is growing at a rate that could make it the largest internet service provider on earth within a decade. Two billion people currently lack reliable internet connectivity. Starlink is building the infrastructure to serve them.
The government contract pipeline is essentially guaranteed revenue for years. National security customers do not cancel contracts.
And Starship, if it achieves the reusability rates SpaceX is targeting, will reduce the cost of getting to orbit so dramatically that entirely new industries become economically viable.
Things that sound like science fiction today and will look like obvious business opportunities in 15 years.
The Honest Bear Case.
Morningstar initiated coverage with a fair value estimate of $780 billion. Less than half the IPO valuation.
SpaceX has not turned an annual profit.
Elon Musk retains 85.1% voting control through a super-voting share structure. You are buying economic exposure. Not a meaningful governance voice.
First-day pops on hyped IPOs frequently retrace 20 to 40% within the first 90 days. The people who bought at the peak of the opening day often wait years to get back to even.
Demand is already twice the available shares before pricing. That kind of frenzy usually means the easy money has already been made by institutional investors who got in before you.
Both cases are real. Neither one is the whole story.
Sit with both before you decide anything.
The Principle That Matters Most.
Here is the most important paragraph in this entire guide.
Before you commit a single dollar to SpaceX or any growth position, ask yourself one question.
If this position went to zero tomorrow, would it change my retirement meaningfully?
If the answer is yes, the position is too large.
Size it so the answer is genuinely no.
Not uncomfortable no. Not probably fine no. Actually no.
For most retirees that means somewhere between 1% and 5% of investable assets. At that size, if SpaceX becomes the next Amazon, it changes your retirement number permanently and meaningfully.
If it disappoints and drops 50%, you feel it but you do not lose sleep over it.
That is the right size.
Not the size driven by excitement. The size driven by math.
The principle is simple.
Your guaranteed income floor handles your life. Your growth allocation handles your legacy, your inflation gap, and your one big swing. Never let the second category threaten the first.
Pension plus Social Security plus smart offense.
That is the formula.
The Amazon Reminder.
Amazon lost money for years. The financial press called Bezos reckless. Analysts said the model did not work.
Netflix burned cash for a decade. Nobody believed in the streaming pivot.
Tesla lost money for most of its public life. Every quarter brought fresh predictions of collapse.
The people who sized those positions correctly, held through the volatility, and did not let short-term noise override long-term conviction are the people who look back on those decisions as the ones that mattered most.
SpaceX is not guaranteed to be the next Amazon.
Nothing is guaranteed.
But dismissing it because it lost money last year is the same mistake millions of people made with every transformational company that came before it.
The principle is not to buy SpaceX blindly.
The principle is to stay open. Stay curious. Size correctly. And never let fear be the reason you sat out a once-in-a-decade opportunity.
One More Thought on Timing.
You do not have to decide on Friday morning.
The opportunity does not disappear in 48 hours. The first earnings report as a public company arrives in November 2026. That gives the market one full quarter of SEC-disclosed financials to digest. One full quarter of price discovery.
For investors who are not in a rush and do not have strong conviction at the opening price, waiting for that data is not a mistake. It is patience. Which is arguably the most underrated skill in retirement investing.
The principle is not to buy on day one because of FOMO.
The principle is to have a plan before the market opens. Know your number. Know your size. Know your reason. And execute the plan instead of the emotion.
Do NOT Buy Physical Gold. Here's Why...
If you own physical gold or silver, you need to see this. There's a new class of assets that exist completely outside the banking system. It's digital, but CBDCs can't control it. Best of all? It's earning 8–12% yearly yields.
This could be the best way to keep your money safe as the digital dollar gains momentum.
For educational purposes only. Results will vary. DM Intelligence LLC is not liable for losses.
The Bigger Picture.
SpaceX is not the point.
SpaceX is the example.
The point is this.
You have a guaranteed income floor. Social Security. Maybe a pension. Monthly. Predictable. Inflation-adjusted within limits. That floor is valuable. Protect it with everything you have.
But above that floor you have a choice.
You can sit on the money left over after expenses and watch inflation reduce its purchasing power every year until it is worth half what it is today.
Or you can put a portion of it to work in the companies building the next 50 years of the global economy.
Not all of it. Never all of it.
A portion. Sized so you can sleep. Diversified so no single bet destroys you. Invested with enough patience that short-term volatility does not force you out of positions before they pay off.
That is the retirement portfolio of a person who is genuinely not scared.
Not reckless. Not gambling.
Unscared.
The retirees who look back on this decade with satisfaction will not be the ones who protected everything and grew nothing.
They will be the ones who kept one eye on the deadlines and one eye on the opportunities.
This week the opportunity has a name.
Size it right. Move deliberately. Do not let excitement make the decision.
Then hold on.
Stay sharp.
— US Retirement Report
A Senior Analyst Sees Half a Billion Dollar Potential.
Kingscrowd Capital's senior analyst reviewed RISE Robotics and projected potential growth to a $500 million valuation. The community round is open now on Wefunder. You don't have to be an institutional investor to get in at today's price.
This newsletter is for informational and educational purposes only and does not constitute financial, tax, or investment advice. Please consult a qualified financial advisor before making any decisions.
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