TOGETHER WITH

Hey there weekday warrior,

Elon’s got a new idea so crazy it might just work…

Enjoy the next 4 minutes and 9 seconds of blue-chip news and commentary.

Keep on snapping necks and cashing checks,

– tyler

Pay that man his money

The PayPal mafia walked so the X Money Mafia could run…

Great news for anyone looking for a new platform to launder money or generally engage in illicit activities. X aka Twitter is getting into the payments game. And if I had to guess, Elon will give zero f*cks if you put something like “ISIS dues” or “yellowcake uranium installment plan” in the comments…

X Money (super original, Elon), will allow customers to fund a wallet and make peer-to-peer payments. Visa’s (-0.02%) technology will power the Cash App for sh*tposters.

Here’s what Linda Yaccarino’s (the woman Elon allows to cosplay as CEO every day) had to say…

The move puts Twitter in direct competition with PayPal, Apple Pay, and Venmo. Zelle is undoubtedly concerned it may lose a handful of its 14 or so users, too…

Hold up, let him cook…

Of course, this isn’t about making the company that put him on the map (sup, PayPal) go the way of Juicero.

It’s about building the everything app. You might recall that soon after Elon “let that sink in” he outlined plans to make X a super app. The concept is foreign in the US, but pretty popular in Asia (kinda the idea of spending just $6M on an AI model)…

WeChat is the holy grail of everything apps. The Chinese platform lets users send messages and make calls, pay bills, send money, interact with fellow humans (otherwise known as social media), and more. The only thing it can’t do is accept that Tiananmen Square happened.

Your move, Elon.

BOXABL Announces New $20,000 House

When the biggest names in your industry take an interest, you know you're onto something.

That's the story with BOXABL. They've rethought housing by bringing assembly lines to new home construction. Not to mention, the company has gained the attention of investors like D.R. Horton. Where traditional homes take over 7 months to build, BOXABL factories can produce their signature Casita home in nearly four hours.

And they’re just getting started. BOXABL just announced a new $20,000 house called Baby Box. It’s a turnkey home designed for affordability, flexibility, and versatility. Perfect for disaster relief, workforce accommodations, community projects, or you just need extra space, the Baby Box is another great solution added to their product line.

Now, everyday investors can join them too. When BOXABL last opened a Reg A investment opportunity, they maxed out the $75M regulatory limit, and they believe their new $20,000 house is the key to unlocking even greater potential.

* See full disclosure below

+ “Do those Congressional insider trading protections apply to government contractors? Asking for a friend.” - Sam Altman

OpenAI just rolled out its new product: ChatGPT for bureaucrats. The new, more secure AI model for federal and local workers is built to allow government-employed NPCs to securely use ChatGPT while working with sensitive information. OpenAI reported that over 90k government employees have generated 18M prompts in ChatGPT since 2024… so Skynet is already nonfiction.

ChatGPT Gov works like OpenAI’s Enterprise product but operates in a closed hosting environment. And after DeepSeek ate OpenAI’s lunch, maybe it’s not a bad move for Sam to lean into the whole “foreign AI privacy concerns” angle.

Oh, and have no fear, it appears that America’s AI supremacy is intact. There are already accusations bubbling that DeepSeek managed to only spend $6M on building an AI model because it just copy-pasted OpenAI…

+  Google (+1.8%) employees are bringing the ‘write a strongly worded letter’ approach to labor negotiations. A new petition signed by 1,250 Karens employees (who, for the record, are not in a union… but did just put a target on their back) politely notified management that they are “concerned about instability” as “ongoing rounds of layoffs make us feel insecure about our jobs.”

To be fair to the pledge signers, Google CFO Anat Ashkenazi has caused some uncertainty after making vague cost-cutting comments. Employees are pushing for buyouts, better severance packages, and for Google to not leverage poor performance reviews to force out employees. Unrelated, but hilarious that Google Maps just added the US to its list of “sensitive countries.”

+ A day in the life of a JetBlue exec…

JetBlue (-25.7%) dropped a depressing outlook for 2025, anticipating costs to rise as much as 7% from last year. Shareholders were about as thrilled as a flier in the middle seat, stuck between a crying baby and someone who needs a seatbelt extender. Revenues are expected to fluctuate, but ultimately rise between 3-6% on the year. JetBlue has been on an expert-mode cost-cutting campaign after a federal judge c*ckblocked its Spirit Airlines (-1.5%) acquisition last year.

+ Starbucks (+0.3%) reported a quarterly earnings beat, but it looks like it’s struggling with getting people back in stores, with a 6% decline in traffic. Have they considered just letting people loiter in their stores and use the bathroom without buying anything?

+ The Trump administration is offering an ultimatum for millions of federal workers: return to the office full-time or take a buyout by February 6.

+ The bacon was not brought home. Pork processor Smithfield Foods (-1.2%) shares dropped slightly on its Nasdaq debut.

+ Barbara Corcoran: Investing in These 3 Areas Will Help Sell Your Home Fast. A pool. Definitely a pool, you guys.

+ 29-year-old with a $700,000 net worth shares 5 money habits she avoids—one is like flushing money 'down the toilet'. #1: literally having any fun, ever.

🔥 Parents whose kids become confident, successful adults avoid this 2-word phrase, says Ivy League-trained psychologist. My kids don’t stand a chance…

FYI, TWC might be compensated if you click on the links above. So, what are you waiting for? Start clicking.

+ US stocks “clawed back some of Monday's steep losses made after a Chinese startup's artificial intelligence model sowed doubts about the U.S. approach to building AI.” (USAToday)

+ The 10-year yield “rose on Tuesday as investors looked to the Federal Reserve’s first meeting of the year where interest rate decisions will be made.” (CNBC)

+ Oil “prices settled up on Tuesday, bouncing back from multi-week lows, after the White House reaffirmed U.S. President Donald Trump's plans to issue tariffs on Canadian and Mexican imports this week.” (Reuters)

+ Bitcoin “gave up the bulk of its early-day gains but remained supported Tuesday as traders bought the dip below $100,000 seen a day earlier, though the recent concerns about the competitive threat from Chinese AI firm DeepSeek persisted.” (Investing.com)

+ The three most talked about stocks on WallStreetBets in the past 24 hours were: 1) Nvidia +8.8% 2) C3.ai +5.9% 3) Advanced Micro Devices -0.7%

⏪ Yesterday, Boeing, Lockheed Martin, GM, Raytheon, SAP, Royal Caribbean, JetBlue, and Sysco reported before the bell. And Starbucks, Stryker, NXT, and Chubb dropped earnings after the close. Plus, we got Smithfield’s IPO.

⏩ Today we’re keeping an eye on…

+ ASML, T-Mobile, ADP, Nasdaq, Progressive, and General Dynamics report before the bell

+ Tesla, Microsoft, Meta, ServiceNow, Waste Management, IBM, and Levi Strauss drop earnings after the close

+ J-Poww will give us the Fed’s interest rate decision and a presser. Don’t expect too much…

Yesterday, I asked, “What’s the best fast-casual burger in the game?”

1. Five Guys

2. Shake Shack

3. In-N-Out

4. Culver's

And no one else was really close.

Here’s what some of you guys had to say…

• Culver's: “Tbh, i've never had their burgers (although their spicy crispy chicken sandwich is delicious!), but my wife's company supplies their meat and and if we're gonna put in that damn pool she's been harping about, she needs a bigger bonus. So, go buy Culver's!”

• Shake Shack: "I swear to god this isn't because I've lived in NYC for 14 years. Their burger smell is f*cking crack - it literally created new neurological pathways I didn't know my brain had. and the SmokeShack fucking slaps!!!”

• Fuddruckers: “The smell of that beef 'n' buns when you enter the butcher-shop like interior is a deep core memory of mine. They programmed my brain to click FUDDRUCKERS while Culver's is ACTUALLY the winner here."

• In-N-Out: "IT IS THAT GOOD GUYS! Fresher and cheaper than 5 guys, etc.....”

• Write in: "Portillo's, a Chicago land staple. Never disappoints.

• Steak-N-Shake: “Steak n Shake won't get many votes, but the garlic burger is an under-the-radar gem!”

And here’s today’s question…

(PS, it’s a carousel dedicated to DeepSeek)

+ This kid has the best fun fact for their first day of work of all time

🔥 The DeepSeek/Lehman/COVID Venn Diagram you didn’t know you needed

Oh, and one more thing…

Does this look like the face of a guy you should take financial advice from?

No, it’s the face of an individual who is financially irresponsible/dumb enough to be talked into spending money on a family photo shoot that he could have just done with his iPhone. So, act accordingly...

This is not financial advice. Nothing in this newsletter is an investment recommendation. All content is created for entertainment, educational, or informational purposes only. Do your own research, or do yourself a favor and hire a professional.

Advertiser Disclosure

*This is a paid advertisement for Boxabl’s Regulation A offering. Please read the offering circular here. Reservations represent a non-binding indication of interest to purchase as Casita. A reservation does not require purchase of a Casita and there is no assurance of how many will result in actual purchases.