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Hang in there. It’ll take time for the market to recover. EOY is short term.
My fear is that if there is a recession, SoFi may not survive and my shares will end up worthless.
Why would SoFi not survive a recession? Banks do relatively well in recessionary economies. You might lose your job as a cost cutting measure but SoFi will weather it fine. If our only business was SLR/PL then that's a different story, but it's not.
I think I saw your web page and liked it. Maybe just be patient