$SoFi Technologies Inc.(SOFI)$  Bought the dip when it fell in sympathy with $ALLY high loan delinquency issues. The concerns tied to Ally are not directly correlated with SoFi's business. In fact, this drop presented an excellent buying opportunity for a company that I see as fundamentally strong and well positioned for future growth.

Strong Growth: SoFi has been growing fast, both in terms of revenue and users. Their wide range of financial products like personal loans, banking, and investing has helped them add millions of customers, especially among younger, tech savvy folks. 

Better customer Base: SoFi doesn't face the same problems as companies like Ally, which have been hit by high loan defaults. SoFi's customers tend to be higher income millennials and professionals with stronger credit scores, so they are less likely to default on loans.

Rate Cuts Could Help: If interest rates go down, SoFi stands to benefit in several ways. Lower rates could drive more loan demand and make SoFi's offerings more attractive. It could also cut SoFi's costs, improving profits, and encourage more activity on their investment platform.

Overall, despite some short-term bumps, I believe SoFi is in a good spot to keep growing and take advantage of favorable economic trends.