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hey its ken finning for another way too fast rundown on settlement so oh look thats where i used to work for 20 years now settlement is is basically when a broker dealer pays for the trade and receives the shares so lets say you buy stock on monday you buy stuck on monday you buy a thousand 100 shares of ibm at 50 we wish on wednesday the broker dealer will pay the other side the person the broker deal who sold it to you they will pay them the five thousand and then on wednesday the t plus two the other side will then deliver the shares to the broker dealer thats settlement thats completion of the trade that settlement thats all that stuff now as far as you go you actually have four days to pay for it so if you buy stock on monday the broker dealer pays for it on wednesday youd actually dont have to have the money until friday which is t plus four thats called reg t settlement or payment whatever it is so most regularly settlement is t plus two two days after trade date so we