 Two days. What's up, money geeks, Mr. V here. Welcome to another video, guys. So in this video, I want us to talk about some of the changes that I see coming after this whole Robinhood controversy. So I'm not gonna cover a particular stock. There's some changes that are gonna impact you and me as retail investors. So that's what I want us to talk about into this video. But before we get started, guys, if you're new to the channel, we talk about how to earn money, how to save money, how to invest and build wealth. So that's something that interests you. Go ahead and hit that subscribe button and your notification bell so you don't miss out on new content. So we have seen this whole Robinhood thing with GameStop and AMC and all the other stocks that were involved. Again, right now, it's actually given birth to some other movements that I think it's gonna benefit us in the long run. And the most important one is the idea that right now as retail traders, if you have a cash account, we have what we call T plus two. So whenever you place a trade and you buy security, when you sell that security, it takes two business days for that money to settle back into your account before you can use it again for trading without getting any good faith valuation. So right now, they're talking about bringing that from T plus two to T plus one, which is good. Which means that if you buy today and sell, the money would settle in your account tomorrow. But right now, if you buy today and sell, the money settles in your account in two business days, which is kind of crazy. And the question is, why does that money has to take two business days to settle? Where does the money go? I mean, we're talking about technology that we have today, blockchain technology and all the good stuff that we have from a technology standpoint. And yet it takes two business days to settle your trade. It's like you can mail a letter to across the country and it would take two days to get there. And yet when you sell electronically and place a trade and complete that trade, it still takes two business days for your money to get into your account. So the fact that they're talking about this right now because of the whole game stuff thing, that's good. I think that's one of the good things that's gonna come out of this whole challenge that we had. So as you can see here on CNBC, Wall Street Clearing Firm proposes one day trade settlement after Robinhood controversy, which is good. Again, like I said, this is, I think, is due for a change. What I care here is the retail investors because I think retail investors have been getting smacked in the face all the time by Wall Street. And now that we have an opportunity to really get in there and at least take some of this control back and because we are the ones that are leading the market. We are institutional traders. If we let them trade among themselves, they're not gonna make any money. The only reason why institutional traders are making money is because you have retail investors that come in and out. Some don't even know what they're doing in the market yet. They come and put money in there and give this money to these institutional guys. So if we can have that control back, I think it's beneficial. So let me jump over here to invest to PDR so we can actually see some of the reasons why. So I'm gonna just jump straight here. So why delay actual settlements? Again, the explanation I'm getting here is that back in the days when you placed a trade, they actually had to set their actual certificate to the person that bought that particular security before they can get paid. But now we have electronic trades that we don't need to do manual certificate anymore in case you don't see people getting an actual certificate of ownership because in the past, they would send you an actual certificate of ownership of a stack. So now that we have electronic transactions and I don't understand why we're not using blockchain technology to validate all this transaction in real time so that you can sell and you can buy and sell and get your money account real time and reuse it as much as you want. So I think this is a great step in the right direction. Guys, just so you know, I'm not cutting Robinhood and Slaxia because I think what Robinhood did by halting trade or by halting buying of the securities or any of these firms that did it, they actually colluded with Wall Street. I know that Robinhood came out and said they did it to protect their customers, aka you and me. They did it to protect the firm, aka them. I'm like, you guys did it to protect you and your customers who are Wall Street banks, not us. Because if you really care about the retail investor, when you put a buy restriction on a security, basically allowing people to sell it. When you sell the price of that security drops, if you really cared about the retail investors, these guys would have halted trade, which means they would have stopped it. It doesn't matter. No selling, no buying, halt at that particular price until you guys figure out what you want to do from a liquidity standpoint. So it's kind of crazy for me to see them come out and see the reason why they halted people, allowing people to buy was because they didn't have enough money, but yet they allowed people to sell, which means it pushes the price of the stock down. So I don't care what they say. I think they did that on purpose and now they're trying to go out and clean their reputation. Next one here is when do you actually own the stock or get the money? So again, when you read through this, when you buy a security, say today, let's say it was Monday, you buy that security on Monday, you don't own that security until Wednesday when that trade settle based on what I'm reading here. Right now, most people do what they call T plus two. So you buy, sell, you wait two business days for your money to get in your account. They're trying to bring that down to T plus one, as you can see here, which is if you buy today, you sell today, it takes one business day for that money to settle and you can get it into your account. So if you buy today and sell today, you cannot use the money today, but you can use it tomorrow because that's a whole business day. You can get that money back in your account. So I think it's a great opportunity here for us to start chipping into some of the regulations that Wall Street has for retail investors because I don't understand why you wouldn't get your money. Again, I'm looking at the technology that we have today. Why are we not implementing those technologies to help people get their trades get settled instantly so that they can use that money to do other things? Because I've seen people sell their position, they have, they think they have the money, but they can't use it because if you use it again and buy and sell, you run into a good phase violation and then the account gets flack or maybe the account even get closed. So I don't like that idea. So if they can go from T plus one, the next step would be T plus zero. If I buy today with a cash account and sell, I want my money in my account. I want that money now and I want to use it and I should be able to withdraw that money out of my account without you holding my money for two days and using it to do your own transactions and making profit out of it. So that's just my personal take. I wanted to bring this to you guys so you guys are aware of what's going on. So I think this is a step in the right direction. So we'll see where this goes. So let me know again in the comment section what you guys think about this. What do you stand with this whole thing? Do you, are you happy with the T plus two? Are you excited about T plus one or are you looking even for more? You want T plus zero? Let me know again in the comment section. If you're new to the channel, we talk about how to earn money, how to save money, how to invest and build wealth. So that's something that interests you. Go ahead and hit that subscribe button and the notification bell so you don't miss out on new content. Also, Weibo is doing a promotion where if you sign up and deposit a hundred dollars, you get some free stacks, links in the description below and as always guys, do your due diligence. Don't be a greedy savage. Stay motivated.