My name is Mike and I’m the author of The Dividend Guy Blog & The Dividend Monk along with the owner and portfolio manager here at Dividend Stocks Rock (DSR). I earned my bachelor degree in finance-marketing, own a CFP title along with an MBA in financial services. Besides being a passionate investor, I’m also happily married with three beautiful children. I started my online venture to educate people about investing and to be able to spend more time with my family. I started my career in the financial indu ...

Most humans are not rational about their finances. Questions like how much should I save for the future. Where should I invest my money to take the right risk for me.And how should I think about debt and taxes. How you answer these questions today will impact your freedom to do the things you want in the future. Until today, the way to answer these questions have been asking friends, Googling, sometimes hiring a financial adviser, or maybe even asking your bank.These options aren't great. They're filled wit ...

Company Overview - X Financial is a leading Chinese fintech platform[9] - As of March 31, 2025, the loan balance was RMB 58,403 million[11] - In the first quarter of 2025, the total loan facilitation and origination amount was RMB 35,149 million[10] - The company utilizes a technology-driven approach to servicing borrowers and funding partners[20] Financial Performance - Total net revenue for FY2024 was RMB 5,872 million, compared to RMB 4,815 million in FY2023[57] - Non-GAAP adjusted net income for FY2024 was RMB 1,539 million, compared to RMB 1,277 million in FY2023[59] - Total net revenue for 1Q 2025 was RMB 1,938 million, compared to RMB 1,208 million in 1Q 2024[57] - Non-GAAP adjusted net income for 1Q 2025 was RMB 467 million, compared to RMB 322 million in 1Q 2024[59] Balance Sheet - As of March 31, 2025, total assets were RMB 12,093 million[75] - As of March 31, 2025, total equity was RMB 7,435 million[75]

Core Insights - The author transitioned from a traditional financial career to focus on personal finance education through online platforms [1] Group 1 - The author has a strong educational background in finance, holding a bachelor's degree in finance-marketing, a CFP title, and an MBA in financial services [1] - The author has over a decade of experience in the financial industry, starting in 2003 and working in private banking for five years [1] - In 2016, the author took a significant personal journey traveling across North America and Central America, which influenced the decision to leave the financial industry [1] Group 2 - The author founded investing websites to help others with personal finance, marking a shift from a corporate job to a more fulfilling career [1] - The journey included driving through nine countries and spending three months in Costa Rica, which was described as an eye-opening adventure [1] - The decision to quit the traditional job was driven by a desire to spend more time with family while pursuing a passion for investing [1]

Core Insights - The author transitioned from a traditional financial career to focus on personal finance education through online platforms [1] Group 1: Background and Experience - The author has a background in finance-marketing, holding a bachelor's degree, CFP title, and an MBA in financial services [1] - The author worked in private banking for five years before deciding to pursue a different path [1] Group 2: Career Transition - In 2016, the author traveled across North America and Central America with family, which influenced the decision to leave the financial industry [1] - The author quit the traditional job in 2017 to help others with personal finance through investing websites [1]