>>> WELCOME BACK TO "THE EXCHANGE." WE ARE TALKING CYBER, SPENDING, AND SALES IN TODAY'S EARNINGS EXCHANGE WITH CROWDSTRIKE, AFFIRM AND DOLLAR GENERAL SET TO REPORT. JOINING ME WITH THE TRADES IS GINA SANCHEZ, CHIEF MARKET ADVISER. FIRST UP, CROWDSTRIKE, SHARES DOWN MORE THAN 22% SINCE THAT GLOBAL OUTAGE IN MID JULY. DEUTSCHE BANK FLAGGING THE CONCESSIONS TO CUSTOMERS TO MAKE UP FOR THAT OUT J AS A POTENTIAL HEAD WIND FOR REVENUE FOR THIS QUARTER AND BEYOND, BUT ALSO EXPECTING CROWDSTRIKE CUSTOMER CHURN TO REMAIN LOW GIVEN THE COMPANY'S DEEP EMBEDDEDNESS. SO IS THIS THE PULLBACK YOU CAN BUY? >> THIS IS THE QUESTION. IF YOU LOOK ACROSS ANALYSTS, THERE'S A GENERAL CONSENSUS THIS IS A COMPANY YOU SHOULD BE BUYING. HERE'S ONE THING I'M GOING TO ADD TO THAT CONVERSATION, WHICH IS THAT THE LEGAL RAMIFICATIONS OF WHAT IS HAPPENING -- OR WHAT HAS HAPPENED, HAVE YET TO BE FULLY UNDERSTOOD. THE COMPANY HAS COME OUT AND SAID THAT THEY CAN -- THEY HAVE THE CASH TO BE ABLE TO WITHSTAND THE LEGAL CHARGES THAT COULD BE LEVELED AT THEM. THE PROBLEM IS, IS THAT NOW YOU'RE STARTING TO SEE A SHAREHOLDER POTENTIAL SHAREHOLDER LEGAL ACTION AGAINST THE COMPANY. YOU OBVIOUSLY HAVE DELTA. AND THEN THERE ARE UNKNOWN LEGAL ACTIONS THAT WE DON'T KNOW YET. THIS IS GOING TO TAKE MONTHS, IF NOT YEARS TO PLAY OUT. AND WHAT THAT IS CAUSING, IT'S CAUSING CROWDSTRIKE TO HAVE PROBLEMS UPPING -- SORT OF UPPING THE RENEWAL RATE, SELLING PEOPLE -- SELLING THEIR CUSTOMERS INTO OTHER, YOU KNOW, OTHER USE CASES FOR CROWDSTRIKE. SO UP-SELLING. EVEN IT'S SLOWING DOWN THEIR ABILITY TO BRING ON NEW CUSTOMERS. THAT'S A CHALLENGE THAT HAS TO BE WATCHED. >> OKAY. WE'LL WATCH WHETHER RIVALS GET A FOOTHOLD. AND CROWDSTRIKE'S CEO WILL JOIN JIM CRAMER TOMORROW ON "MAD MONEY." AFFIRM, SHARES UP 7% SINCE JAY POWELL CEMENTED A SEPTEMBER RATE CUT, BANK OF AMERICA WRITING LOWER LATES SHOULD HELP AFFIRM. BUT YOU'RE NOT AS POSITIVE AS BANK OF AMERICA, AND THE STOCK IS DOWN 5% TODAY. WHAT DO YOU SAY? >> THIS IS A TOUGH ONE. IT'S SORT OF LIKE A FISH GROWING UP IN A SHRINKING POND FOR THE TIME BEING. THEY'RE GROWING REVENUE, MAKING THE RIGHT PARTNERSHIPS. THEY HAVE STRUCK A DEAL WITH APPLE PAY THAT PUTS THEM IN THE RIGHT DIRECTION AND MOVING TOWARDS PROFITABILITY, UP QUESTIONABLY. AND THEY BEAT FIVE OUT OF THE LAST FIVE EARNINGS. SO THEY'RE ON THE RIGHT TRACK, BUT THERE IS GOING TO BE A HEADWIND TO WHAT THEY CAN DO. THIS IS A BUY NOW, PAY LATER TYPE OF COMPANY IN AN ENVIRONMENT WHERE CONSUMPTION IS FALLING. SO IF YOU'RE ENTHUSIASTIC ABOUT THIS, YOU HAVE TO BE PREPARED FOR A SLOW PERIOD THAT COULD COME IN THE FIRST HALF OF 2025, UNTIL RATE CUTS REALLY START TO TAKE HOLD. BECAUSE THAT'S JUST THE REALITY OF BEING IN A CONSUMER PLAY THAT REQUIRES CONSUMPTION VOLUME. >> ALL RIGHT. AFFIRM'S CEO MAX LEVCHIN JOINS "MAD MONEY" TONIGHT 6:00 P.M. EASTERN. LAST UP, DOLLAR GENERAL SHARES UP 4% SINCE THAT DISAPPOINTING JULY JOBS REPORT. BUT WELLS FLAGGING A WEAKENING CONSUMER AS A HEADWIND AND WARNS THAT COMPETITION FROM WALMART AND CHANGES TO THE DEPARTMENT OF LABOR'S OVERTIME RULE WILL PROVE TOUGHER FOR DOLLAR GENERAL. YOU SEE OPPORTUNITIES AHEAD? >> THIS IS ONE WE OWN. WE LIKE DOLLAR GENERAL. WHEN THE MARKET GETS TOUGH, WHEN CONSUMERS PULL BACK, THEY GO CHEAP. AND DOLLAR GENERAL HAS CHANGED THEIR STRATEGY TO BACK TO BASICS. THAT'S STUFF THAT PEOPLE WILL BUY. THEY ARE SEEING MORE FOOT TRAFFIC. THEY ARE SEEING LESS DOLLARS PER HEAD BEING SOLD BUT EXPECTATIONS FOR EARNINGS NEXT YEAR IS