In the current environment where consumers consider cutting back subscriptions, Bob Lang looks at Spotify (SPOT) which is down after earnings. The audio streaming giant's CEO said "The short term may bring some noise, but we remain confident in the long-term story." For Sofi (SOFI), Bob calls it a "lights out quarter" and says this is a company to watch as student-loans start to come back into the limelight after the Trump Admin. says collections will resume next month.