Everybody needs money. That's why they call it money.

From full global headquarters, this is Motley Fool Money.

This is Motley Fool Money Radio Show. I'm Chris Hill, joining me in studio this week for

Million Dollar Portfolio Jason Moser, for Motley Fool Pro and Options Jeff Fisher,

and from Total Income, Ron Gross Good See, was always gentleman.

We've got the latest headlines from Wall Street. We'll talk Silicon Valley startups with best-selling

author Brad Stone, and as always, we'll give you an inside look at the stocks on our radar.

But we begin with the hottest IPO in years.

Snap went public on Thursday at $17 a share and quickly shot up more than 70% as it closed in on a market cap of $34 billion.

It is the biggest tech IPO since Alibaba went public in 2014.

You tell me, Ron, is this excitement an enthusiasm or is this madness?

I hate to read on everyone's brain. It's ridiculous to me. Literally ridiculous.

But there are more people who are optimistic than pessimistic because we see the stock continue to rise.

Companies not profitable. I guess a billion dollars ain't what it used to be.

The big deal here for me is that there is slower, slowing user growth here.

They need to really turn that around. One analyst estimate that said they'll need to grow for the next 10 years at more than 50% every year with a profit margin of 25% to justify the current valuation.

I don't see it happening.

Unless you're a social media expert and can look out five or ten years down the road at what the landscape is going to be and what Snapchat can possibly do, then you have no business investing in this company.

I don't want to tell people what to do. They certainly get to free country.

But it's gambling unless you have that insight.

Some strong words. I don't disagree with Ron.

Like many IPOs, you are gambling. No one. It's like trying to predict the weather of three to five years from now. You can't do it.

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