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Can someone please talk me out of buying a SOFI LEAPS $SoFi ...

Can someone please talk me out of buying a SOFI LEAPS $SoFi Technologies (SOFI.US)$ ? It seems to keep finding support about this level and then rallying into the 20's, done it several times in 2021 so I dunno why it wouldn't in 22, also they just got a bank charter and should benefit from the rising interest rates with their loan business.
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