Good afternoon, and thank you for joining. This call covers results from the fourth quarter of 2025. The purpose of today’s discussion is to walk through what happened during the quarter and highlight the major themes that drove performance. I’ll focus on key wins, challenges faced, and the factors that shaped outcomes. I’ll begin with an overview of the quarter, also Q4 means quater 4 aka Oct-Dec.

Q3 was heavily impacted by travel, which created uncertainty around execution across work and studying in Q4. I’m happy to share that a strong lock-in occurred, allowing us to crush all key metrics.

In Q4, the main goal was straightforward: generate more cash through grass cutting, pass all exams, and make meaningful memories. Overall, the goal was materialized.

There were headwinds. The quater started in aback end of a drought and cooler weather late in the quarter slowed grass growth, reducing demand for cuts. This was partially offset by fewer workers being active, resalting in close to projected hours.

Focus improved significantly during the quarter. I moved away from single songs on repeat and podcasts like Modern Wisdom and transitioned to audiobooks while mowing. This made longer work hours easier and more enjoyable. The grass cutting season closed on a high note and was the most enjoyable job to date.

The biggest win was completing all required licensing exams. I went 4/4 this quarter, passing the SIE, Series 66, and Series 7. This now allows me to legally give financial advice and execute trades for others.

Fantasy football added a great thrill and gave me an excuse to stay in touch with friends. Ultimately, it was a disappointment. Despite strong teams, I didn’t win a championship in any of the 4 leagues. I consistently finished in the money, but without the bragging rights.

After the season ended, unemployment allowed for travel to Spain, Portugal, and Morocco, followed by time with friends and family back in the U.S. The quarter closed strong heading into the new year, leading into my new dream job: unemployment.

Looking ahead to 2026, the focus shifts from credential acquisition to habit formation, cost discipline, and long-term positioning.

High:
Morocco exceeded expectations and delivered one of the strongest experiences of the year.

Low:
Failing a 185 lb bench press on New Year’s Eve reminded me of my previous numbers and how far away they currently are.

Buffalo:

Fully licensed and beginning the new role this Monday. Not-so-fun fact: the dress code is suit and tie every day. I own one suit and hate ties. #NightmareScenario

As lifting volume increases, Tee Grizzley is expected to gain traction.
#D2A #1stDayOut #RobberyP3 #DREAMS&NIGHTMARES?!?!?!?!!?

That concludes our discussion of the fourth quarter results. Thank you all for joining us today.

We remain focused on driving growth, managing costs, and executing on our long-term priorities. We look forward to updating you on our progress in the coming quarters.

We’ll now open the line for questions and answers. Please feel free to ask any questions about the quarter or our outlook. Lastly, feedback on the updates or the trail run of quaterly earnings updates are welcomed

Thank you, and have a great day.

—VB