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ATA Creativity Glb

ATA Creativity Global is an international educational services company focused on providing quality learning experiences that cultivate and enhance students' creativity. The operating segments are Overseas art study services, Other educational services and K-12 education assessment and other services. Majority of its revenue comes from Overseas art study services.

ATA Creativity Global - American Depositary Shares, each representing two common shares

ATA Creativity Global

Oppenheimer analyst Param Singh maintains CommVault Systems (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/CVLT#NASDAQ">CVLT</a>) with a Outperform and raises the price target from $180 to $200.

News

Price Target

Analyst Ratings

CVLT

Oppenheimer Maintains Outperform on CommVault Systems, Raises Price Target to $200

Macro Economic Events

WIIM

Economics

Oil is trading lower following a decline in Q1 US GDP, which has driven macroeconomic concerns and clouded demand outlook.

Seamus Rocca, CEO of Xapo Bank, called on cryptocurrency banks to position Bitcoin (CRYPTO: <a class="ticker" href="https://www.benzinga.com/quote/btc/usd">BTC</a>) as a viable alternative reserve currency to counter potential currency instability and <a href="https://www.benzinga.com/24/11/42028576/rfk-jr-stands-firm-on-bitcoin-as-currency-of-freedom-says-howard-lutnik-as-treasury-secretary-will-be-best-for-apex-crypto">capital controls in emerging markets</a>.
What Happened: In an interview with Benzinga, Rocca highlighted Bitcoin's unique attributes, its decentralized structure, finite supply and blockchain transparency as critical for shielding investors from <a href="https://www.benzinga.com/markets/cryptocurrency/25/04/44955500/is-bitcoin-setting-up-for-a-rally-given-its-historical-correlation-with-gold">geopolitical and financial turbulence</a>.
Rocca argued that traditional safe-haven assets, such as U.S. Treasuries, have lost their risk-free allure due to a rapidly evolving global financial order. 
He pointed to Bitcoin's resilience, noting its faster recovery compared to traditional stocks following recent market downturns triggered by global trade uncertainties, including tariffs imposed by the Trump administration.
"In a world where stock markets crashed, yes, the Bitcoin price went down because of all the uncertainty that was out there. But Bitcoin bounced back faster than any of the stocks did," Rocca said, emphasizing its growing credibility as a store of value.
He further highlighted Bitcoin's potential to serve as a <a href="https://www.benzinga.com/markets/cryptocurrency/25/04/44977898/bitcoin-gold-are-top-inflation-hedges-says-coinbases-john-dagostino">hedge against currency devaluation</a> and restrictive capital controls, particularly in emerging markets where tariff-driven policies could exacerbate economic volatility.
"In a world of huge uncertainty, here's an asset that is not controlled by any government. Here's an asset that's completely decentralized, it's finite, and nobody can print more of it," Rocca stated, advocating for a long-term view of Bitcoin as a reserve currency rather than a speculative asset.
Also Read: <a href="https://www.benzinga.com/markets/cryptocurrency/25/04/45096202/eric-trump-advocates-for-crypto-says-banks-need-to-evolve-or-face-irrelevance">Eric Trump Advocates For Crypto, Says Banks Need To Evolve Or Face Irrelevance</a>
Why It Matters: Xapo Bank, which began as a Bitcoin wallet provider in 2013, has transformed into a fully regulated private bank based in Gibraltar, catering to high-net-worth individuals and long-term Bitcoin holders.
The bank offers a suite of services, including secure custody, borrowing against Bitcoin, yield generation through conservative investment strategies, and competitive trading options. 
Unlike crypto exchanges focused on short-term trading, Xapo targets clients who prioritize wealth preservation over speculative gains. 
Rocca noted that 25% of Xapo's customers are over 50, reflecting a demographic with a lower risk appetite seeking stable, secure Bitcoin management.
Rocca cautioned that Bitcoin's volatility and fragmented regulatory environments, particularly in the U.S., pose challenges to its widespread adoption as a reserve currency. 
In the U.S., state-by-state licensing requirements complicate operations for crypto banks, lacking the federal-level cohesion seen in regions like the European Economic Area. 
"If I get a license in New York, why does that not apply to all the other states?" Rocca questioned, highlighting the need for streamlined regulations to foster innovation without stifling the industry.
Despite these hurdles, Rocca remains optimistic about Bitcoin's trajectory, predicting it will shed its speculative reputation within the next few years. 
He emphasized Xapo's role in providing peace of mind through robust security measures, noting the bank's decade-long experience and millions invested annually in safeguarding client assets. 
This contrasts with the risks of self-custody, where a single error could lead to significant losses, especially as Bitcoin's value is projected to rise.
Critics, however, argue that Bitcoin's price swings and lack of universal regulatory clarity could undermine its reliability as a reserve currency, particularly in emerging markets prone to economic shocks. 
Additionally, the integration of Bitcoin into traditional banking systems remains complex, with large institutions hesitant to fully embrace decentralized assets due to competitive dynamics and trust issues.
Xapo's strategy aligns with a broader trend of institutional interest in Bitcoin, spurred by the success of Bitcoin ETFs from firms like BlackRock (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/BLK#NASDAQ">BLK</a>) and Fidelity. 
What&#8217;s Next: Rocca sees crypto banks like Xapo bridging the gap between traditional finance and decentralized assets, offering services that appeal to clients building generational wealth.
"My view, this is what we're betting Xapo on, is that people will eventually take a long-term view of Bitcoin as a reserve currency," he said, reinforcing the bank's commitment to this vision.
Read Next: 
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<li><a href="https://www.benzinga.com/markets/cryptocurrency/25/04/45039399/strategy-buys-15355-bitcoin-for-142-billion-year-to-date-btc-yield-hits-137">Strategy Buys 15,355 Bitcoin For $1.42 Billion, Year-To-Date BTC Yield Hits 13.7%</a></li>
</ul>
Image: Shutterstock

Coverage of Bitcoin, Etherum, Ripple and all the latest digital currencies.

Cryptocurrency

$BTC

Bitcoin Betters Stocks In Uncertain World, Says Xapo Bank CEO: 'Nobody Can Print More Of It'

Oppenheimer analyst Martin Yang maintains Corning (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/GLW#NYSE">GLW</a>) with a Outperform and lowers the price target from $58 to $55.

Oppenheimer Maintains Outperform on Corning, Lowers Price Target to $55

Oppenheimer analyst Scott Schneeberger maintains United Parcel Service (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/UPS#NYSE">UPS</a>) with a Outperform and lowers the price target from $126 to $114.

Oppenheimer Maintains Outperform on United Parcel Service, Lowers Price Target to $114

Oppenheimer analyst Ken Wong maintains Wix.com (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/WIX#NASDAQ">WIX</a>) with a Outperform and lowers the price target from $250 to $220.

Oppenheimer Maintains Outperform on Wix.com, Lowers Price Target to $220

Oppenheimer analyst Ken Wong maintains Shopify (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/SHOP#NASDAQ">SHOP</a>) with a Outperform and lowers the price target from $150 to $125.

SHOP

Oppenheimer Maintains Outperform on Shopify, Lowers Price Target to $125

Defensive equities and safe-haven assets are gaining attention as recession warnings grow louder. JPMorgan Chase (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/JPM#NYSE">JPM</a>) now <a href="https://www.reuters.com/markets/jpmorgan-lifts-global-recession-odds-60-us-tariffs-stoke-fears-2025-04-04/">believes</a> there's a 60% chance that the world and US economy will face recession, up from its prior estimate of 40%. Dividend stocks are gaining appeal given their strong track record during market downturns.
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<li>Many are using retirement income calculators to check if they&#8217;re on pace —<a href="https://www.benzinga.com/money/how-do-i-calculate-my-retirement-income-adv"> here&#8217;s a breakdown on what&#8217;s behind this formula.</a></li>
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Last month, an investor <a href="https://www.reddit.com/r/YieldMaxETFs/comments/1jnvlv7/journey_to_30k_club_downgrade_to_10k_club_in/">shared</a> his detailed income report and progress on Reddit, and talked about the impact of the recent market volatility on his portfolio. The portfolio screenshots shared by the investor showed his dividend income in March stood at roughly $18,000, compared with $24,000 for February and $21,360 for January.
The investor said he was aiming to reach $30,000 in monthly dividend income but was brought down to the "$10K club" due to the "bloody" March selloff.
"Not sure when the recession of US economy is coming but pretty sure there is a recession in my monthly dividend income. It only takes one month to destroy a fully bull market, how amazing is that?" he said.
The S&amp;P 500 and the Nasdaq saw their biggest monthly percentage <a href="https://www.reuters.com/markets/us/futures-tumble-tariffs-fuel-recession-worries-2025-03-31/">declines</a> in March since December 2022 amid market uncertainty due to President Donald Trump's planned tariffs.
Trending: It&#8217;s no wonder Jeff Bezos holds over $250 million in art — <a href="https://www.benzinga.com/money/masterworks">this alternative asset has outpaced the S&amp;P 500 since 1995, delivering an average annual return of 11.4%. Here&#8217;s how everyday investors are getting started.</a>
The investor shared a week-by-week breakdown of his dividend income and portfolio holdings for March. Let's take a look at some of his key holdings that contributed to his overall income during the month.&nbsp;
YieldMax COIN Option Income Strategy ETF
YieldMax COIN Option Income Strategy ETF (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CONY#NYSE">CONY</a>) was among the top holdings of the investor who made about $18,000 in dividends in March.&nbsp; He had 5,500 shares of the fund in his portfolio in the first week of the month. The fund makes money by selling call options on Coinbase Global (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/COIN#NASDAQ">COIN</a>). CONY has lost about 38% in value in 2025 through April 25.
YieldMax MSTR Option Income Strategy ETF
The YieldMax MSTR Option Income Strategy ETF (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/MSTY#NYSE">MSTY</a>) generates income by selling call options on MicroStrategy (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/MSTR#NASDAQ">MSTR</a>) stock. It's been a wild ride for MSTY investors this year amid a decline in Bitcoin price. The fund is down about 13% through April 25. The investor had 4,000 shares of the fund in his portfolio during the second week of March.&nbsp;
YieldMax NVDA Option Income Strategy ETF
YieldMax NVDA Option Income Strategy ETF (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/NVDY#NYSE">NVDY</a>) makes money by selling call options on Nvidia (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/NVDA#NASDAQ">NVDA</a>). The investor had 3,820 shares of the fund. NVDY fell 40% this year amid a decline in Nvidia shares, which are down 20% so far this year.
See Also: Hasbro, MGM, and Skechers trust this AI marketing firm — <a href="https://www.benzinga.com/money/rad-intel">invest pre-IPO from $0.60 per share now</a>.
YieldMax TSLA Option Income Strategy ETF
YieldMax TSLA Option Income Strategy ETF (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/TSLY#NYSE">TSLY</a>) is a popular dividend ETF for income investors seeking high yields. With a distribution rate of 104%, TSLY generates income by selling call options on Tesla (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/TSLA#NASDAQ">TSLA</a>) shares. TSLY is down 38% this year.
The investor had 1,842 TSLY shares in his portfolio.
YieldMax Universe Fund of Option Income ETFs 
The YieldMax Universe Fund of Option Income ETFs (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/YMAX#NYSE">YMAX</a>) has multiple ETFs in its portfolio that implement options strategies to generate income. The investor had about 855 shares of YMAX in his portfolio as of the last week of March.&nbsp;
Roundhill Innov-100 0DTE Covered Call ETF
Roundhill Innov-100 0DTE Covered Call ETF (CBOE: QDTE) generates income via a zero-day-to-expiration options strategy on the Roundhill Innovate Index. This strategy involves selling call options that expire the same day.&nbsp;
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<li><a href="https://www.benzinga.com/money/gbr-savings-by-age">If You're Age 35, 50, or 60: Here&#8217;s How Much You Should Have Saved Vs. Invested By Now</a></li>
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</ul>
Image: Shutterstock

Personal Finance

COIN

CONY

MSTR

Tidal Trust II YieldMax MSTR Option Income Strategy ETF

MSTY

NVDA

NVDY

QDTE

TSLA

Tidal ETF Trust II YieldMax TSLA Option Income Strategy ETF

TSLY

YMAX

Dividend Investor Who Earned $18,000 a Month Despite 'Bloody' Selloff Shares His Top 6 Stock Picks

GM shares are trading lower amid overall market uncertainty. The company recently postponed its earnings call and said its initial FY25 guidance does not contemplate the potential impact of tariffs.

<a href="https://www.reuters.com/world/us-private-sector-delegation-heads-greenland-2025-04-30/" title="https://www.reuters.com/world/us-private-sector-delegation-heads-greenland-2025-04-30/">https://www.reuters.com/world/us-private-sector-delegation-heads-greenland-2025-04-30/</a>

Global

CRML

"A U.S. Private Sector Delegation, Led By A Former Trump Administration Official, Is Set To Visit Greenland This Week To Explore Investment Opportunities In The Arctic Island's Vast Natural Resources; Delegation Includes Representatives From Mining Firms Critical Metals Corp, Cogency Power, American Renewable Metals And Refacture" - Reuters News

Dividend stocks are gaining ground as investors scramble to safeguard their portfolios amid the ongoing US-China trade war. Jared Hoff, a senior portfolio manager at Federated Hermes, said while talking to <a href="https://www.wsj.com/finance/stocks/dividend-stocks-market-swings-strategy-d8301d88">The Wall Street Journal</a> that dividend stocks are seeing a surge in demand, reversing the trend of the past couple of years when demand for risk-averse investments was low.
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<li>Can you guess how many retire with a $5,000,000 nest egg? <a href="https://www.benzinga.com/money/5mil-nest-egg-adv">The percentage may shock you</a>.</li>
</ul>
A few days ago, a dividend investor <a href="https://www.reddit.com/r/dividends/comments/1k2tn99/51_yo_three_years_away_any_tweaks/">shared</a> his income report and holdings on r/Dividends — a community of income investors with over 700,000 followers. The portfolio details shared by the investor showed his monthly dividend income was roughly $4,973. The investor said he had about $1.2 million in cash equivalents, like certificates of deposit and money market funds, with paid-off house and cars.
The investor, who plans to retire in three years, said he had &#8220;ignored&#8221; dividend stocks until recently but began shifting into income-generating investments following the recent market pullback.
"I don't want to lose the growth aspect of my portfolio as I want to see it continue to grow," he wrote. "We plan to use the nearly $5000 monthly dividend income as of today and reinvest the dividends for the next 8.5 years."
Trending: The secret weapon in billionaire investor portfolios that you almost certainly don't own yet. <a href="https://www.benzinga.com/money/masterworks">See which asset class has outpaced the S&amp;P 500 (1995-2024) – and with near-zero correlation.</a>
The investor said his portfolio was down about 12.5% in 2025 as of the time of his post. He sold tech equities where he had already secured "huge" gains to pile into dividend stocks.
"We have five kids aged 17-23 and the goal was to create generational wealth for them and their future families," he added.
JPMorgan Nasdaq Equity Premium Income ETF
JPMorgan Nasdaq Equity Premium Income ETF (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/JEPQ#NASDAQ">JEPQ</a>) is a high-yield covered call ETF that distributes monthly dividend income. The ETF invests in Nasdaq companies and generates extra income by selling call options.
NEOS S&amp;P 500 High Income ETF&nbsp;
The NEOS S&amp;P 500 High Income ETF (CBOE: SPYI) is a high-yield covered call ETF that pays monthly dividend income. It invests in some of the top S&amp;P 500 companies and generates extra income by selling call options on stocks, generating extra premium income for shareholders. SPYI has a distribution rate of more than 12%.
Vanguard Total Bond Market Index Fund ETF
Vanguard Total Bond Market Index Fund ETF (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/BND#NASDAQ">BND</a>) was among the top bond ETFs in the portfolio. The fund provides exposure to the investment-grade U.S. dollar-denominated bond market and pays monthly.
See Also: Hasbro, MGM, and Skechers trust this AI marketing firm — <a href="https://www.benzinga.com/money/rad-intel">invest pre-IPO from $0.60 per share now</a>.
Broadcom
Broadcom (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/AVGO#NASDAQ">AVGO</a>) has a dividend yield of about 1.2%. The stock is down 17% this year amid broader market volatility and tariffs on semiconductors. Earlier this month, Oppenheimer called Broadcom one of its <a href="https://seekingalpha.com/news/4431241-nvidia-broadcom-marvell-among-oppenheimers-top-chip-picks-ahead-of-earnings-season">top picks</a> in the semiconductor space.
JPMorgan Chase
JPMorgan Chase (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/JPM#NYSE">JPM</a>) has a dividend yield of 2.3%. The banking giant's shares are up 8% over the past six months. Recently, JPMorgan <a href="https://seekingalpha.com/news/4430379-jpmorgan-non-gaap-eps-of-4_91-beats-by-0_27-revenue-of-46b-beats-by-1_86b">reported</a> first-quarter earnings that beat Wall Street estimates. Revenue rose 9.7% year over year in the period.
Home Depot
Home Depot (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/HD#NYSE">HD</a>) has a dividend yield of 2.5%. The stock is down 8% this year. The company's CEO, Edward Decker, was among the CEOs of major retailers who <a href="https://www.cnbc.com/2025/04/21/trump-tariffs-walmart-home-depot-lowes-target.html">met</a> with President Donald Trump earlier this month to discuss the impact of tariffs on their companies.
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<li><a href="https://www.benzinga.com/money/gbr-savings-by-age">If You're Age 35, 50, or 60: Here&#8217;s How Much You Should Have Saved Vs. Invested By Now</a></li>
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</ul>
Image: Shutterstock

AVGO

JEPQ

SPYI

51-Year-Old Making $4,970 a Month In Dividends Shares His Top 6 Stocks, Aims To 'Create Generational Wealth For Kids And Their Families'

Charlie Munger didn't spend his 99 years pretending life was easy. He spent them proving that hardship wasn't an obstacle to success — it was just part of the job description.
Before he <a href="https://www.benzinga.com/25/02/43441032/charlie-munger-praised-buffetts-20b-no-brainer-investment-in-japan-like-having-god-just-opening-a-chest-and-pouring-money-into-it">built his fortune alongside Warren Buffett</a>, Munger weathered heartbreak most would buckle under. In his 20s, he went through a divorce. Two years later, he lost his 9-year-old son, Teddy, to leukemia — back when the fatality rate was 100%. He would later lose the sight in one eye after a botched cataract surgery. And near the end of his life, after 52 years of marriage, he said goodbye to his beloved second wife, Nancy.
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And yet, Munger never treated suffering as an excuse to stall out. "The iron rule of life is: Everybody struggles," he said in a <a href="https://www.cnbc.com/2023/11/30/full-transcript-from-cnbcs-charlie-munger-a-life-of-wit-and-wisdom-.html">2023 interview with CNBC's Becky Quick</a>. "You can cry all right. But you can't quit."
Munger didn't deny the pain. He didn't dismiss the grief. He explained it plainly: life will knock you down — sometimes in ways you can't fix or undo — but the only real choice you have is to keep moving.&nbsp;
"If you soldier through, you can get through almost anything. And it's your only option," Munger said.&nbsp;
"You can't bring back the dead, you can't cure the dying child. You can't do all kinds of things," he continued. "You have to soldier through it. Somehow you soldier through. If you have to walk through the streets, crying for a few hours a day as part of the soldiering, go ahead and cry away. But… you can't quit."
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<h2 class="wp-block-heading">Struggle Isn't a Bug — It's the System</h2>
Munger's entire life philosophy was built around one simple truth: bad things happen. And not just to the unlucky few — to everyone. Wealth, intelligence, connections — none of it gave you a pass.
He wasn't saying to hide your struggles. He was saying: don't let them take you out.
<h2 class="wp-block-heading">Opportunity Doesn't Wait for a Perfect Day</h2>
Munger knew success wasn't about avoiding hardship — it was about recognizing opportunities in between the blows. "Lots of hardship will come and you gotta handle it well by soldiering through," he said. "And lots of – a few rare opportunities will come. You got to learn how to recognize them when they come and not make too minor of a trip to the pie counter when the opportunity is available."
In short: life's not fair, but if you spend all your time mourning the losses, you'll miss the wins.
See Also: Hasbro, MGM, and Skechers trust this AI marketing firm — <a href="https://www.benzinga.com/money/rad-intel">invest pre-IPO from $0.60 per share now</a>.
Munger practiced what he preached. Even as friends upgraded to mansions and luxury living, he stayed grounded — choosing a steady, <a href="https://www.benzinga.com/markets/25/03/44546263/charlie-munger-lived-in-the-same-house-for-70-years-and-thought-fancy-homes-just-make-people-miserab">simple life over status symbols</a>. "I still decided not to live a life where I look like the Duke of Westchester or something," he said. The reason? It wasn't about austerity — it was about not spoiling the next generation. "You <a href="https://www.benzinga.com/personal-finance/25/02/43759618/charlie-munger-said-the-hardest-part-of-getting-rich-is-the-first-100000-but-from-there-it-snowballs-and-you-can-ease-off-the-gas">grow up in a rich family</a>, your duty is to use the wealth and live grandly. That is what everyone is doing with the money. You will learn from people who are doing it," he warned.
<h2 class="wp-block-heading">No Second Chances — Just This Life</h2>
Munger's blunt worldview wasn't a call to bitterness. It was a blueprint for endurance. Bad days come. So do gut-wrenching losses. But the only thing that really counts, in business and in life, is whether you stay in the fight.
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</ul>
Image: Shutterstock

99-Year-Old Billionaire Charlie Munger Said 'Iron Rule Of Life Is Everybody Struggles' But You Have to 'Soldier Through — It's Your Only Option'

A 16-year-old entrepreneur called into "The Ramsey Show" to share a surprising secret: he's been earning $50,000 or more a month — and he hasn't told his mom. Financial expert <a href="https://www.benzinga.com/personal-finance/25/04/44969001/65-year-old-with-110k-saved-asks-if-he-can-retire-in-7-years-dave-ramsey-says-you-have-no-money-and-tells-him-to-stop-401k-contributions">Dave Ramsey</a> listened to the teen's story and offered advice on both the business success and the family situation.
<h2 class="wp-block-heading">Running a Six-Figure Business in Secret</h2>
The caller explained that he runs several ecommerce businesses, including dropshipping websites and online arbitrage through platforms like eBay and <a href="https://www.benzinga.com/tech/25/04/44969594/jeff-bezos-final-ceo-letter-isnt-just-about-amazon-it-was-a-clarion-call-for-resisting-normality-the-world-wants-you-to-be-typicaldont-let-it-ha">Amazon</a>. Over eight months, he has built up more than $300,000 in a PayPal account, all without his mother knowing.
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<li>The average American couple has saved this much money for retirement —<a href="http://www.benzinga.com/money/smartasset"> How do you compare</a>?</li>
</ul>
The teen worried that if he revealed the truth, his mother, whom he described as "very traditional," would shut down his operation. He shared that he had kept everything secret, even from his closest friends.
<h2 class="wp-block-heading">Dave Ramsey&#8217;s Initial Reaction</h2>
Ramsey was surprised by the caller's achievements. "You&#8217;re making $50,000 a month at 16 years old?" he asked, confirming the story. After hearing more details, Ramsey acknowledged the young entrepreneur's unusual success.
&#8220;If you were my son and you were doing this and you told me you don&#8217;t want to go to college and you want to move out and be an entrepreneur, I would say &#8216;Have at it, dude,'&#8221; Ramsey said. However, he also cautioned that internet business trends can change quickly and advised the teen to be mindful that the current opportunity likely isn't a sustainable job that will last years into his future.
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<h2 class="wp-block-heading">Advice on Honesty and Planning for the Future</h2>
While Ramsey praised the teen&#8217;s drive and success, he also expressed concern about the secrecy. &#8220;Deception is never a good rule,&#8221; Ramsey said, encouraging the caller to find a trusted person who both he and his mother respect — possibly a pastor or mentor — to help mediate a conversation where he could tell his mother about his <a href="https://www.benzinga.com/news/25/04/44867766/entrepreneur-earns-40000-per-month-and-only-works-30-minutes-each-day-its-about-the-experience">entrepreneurial success</a>.&nbsp;
Ramsey suggested the teen take time, even up to a month, to build a strategy for telling his mom the full story. Rather than continue hiding the business, involving a trusted third party could help make the discussion more constructive.
<h2 class="wp-block-heading">Why Education Still Matters</h2>
Although Ramsey said the teen doesn't necessarily need a college degree to succeed, he emphasized the <a href="https://www.benzinga.com/personal-finance/25/01/42932626/billionaire-mark-cuban-on-college-costs-pick-the-cheapest-school-you-can-find-its-about-learning-not-prestige">value of education</a> for long-term success. He explained that internet businesses can be volatile, and building a strong foundation of business knowledge could help the teen pivot when opportunities shift.
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Ramsey also warned that early success, if not paired with ongoing learning and growth, could lead to challenges later in life. &#8220;I don&#8217;t want you to have an unusual success at a young age, and it's the only time you have success,&#8221; he said.
<h2 class="wp-block-heading">Final Takeaways</h2>
Ramsey's advice balanced celebrating the caller's extraordinary success with offering caution about the future. His key messages: be honest with family, continue learning, and recognize that business opportunities can change over time.
While making $50,000 a month at 16 is a remarkable achievement, maintaining long-term success will require smart planning — both financially and personally.
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16-Year-Old Making $50K Per Month Doesn't Want To Tell His Mom – Dave Ramsey Says, 'If You Were My Son...I Would Say Have At It, Dude'

A worker recently struck a nerve on Reddit after <a href="https://www.reddit.com/r/work/comments/1jzand9/the_biggest_lie_we_have_been_sold/">posting</a> a frank message about the traditional idea of <a href="https://www.benzinga.com/personal-finance/25/04/44725388/is-this-the-worst-time-to-be-65-in-america-business-owner-fears-executive-branch-crushed-his-retirement-dreams-after-40-years-of-hard-work">working hard until retirement</a>. &#8220;Work like a dog until you&#8217;re 65+&#8230; just to enjoy &#8216;freedom&#8217; for maybe 10-15 years, if your health allows,&#8221; he wrote.
In the post titled &#8220;The biggest lie we have been sold,&#8221; the redditor reflected on personal loss, sharing that their mother passed away from pancreatic cancer just a month before turning 69. &#8220;It changed my perspective on work and life in general,&#8221; they wrote.
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<h2 class="wp-block-heading">Rethinking the Grind</h2>
The post sparked a flood of comments, with many users questioning whether delaying happiness for decades is really worth it. &#8220;Retirement isn&#8217;t freedom. It&#8217;s a delayed apology,&#8221; the original poster added.
Some users agreed that the pressure to work nonstop has real consequences. One user shared, &#8220;My husband had a heart attack and died six days after his 65th birthday. Only health issues were high cholesterol and blood pressure, both maintained by medication. He was active, not overweight&#8230; It sucks. DO NOT WORK YOURSELF TO DEATH.&#8221;
Others, however, argued that work has always been part of human existence. &#8220;We&#8217;ve been working since the dawn of time,&#8221; one commenter said. &#8220;Working isn&#8217;t the problem. It&#8217;s the type of work that&#8217;s the problem. It&#8217;s <a href="https://www.benzinga.com/news/25/01/43180797/my-boss-keeps-95-of-the-profit-while-i-do-all-the-work-an-employee-says-asking-should-i-undermine-them-and-start-my-own-company">who it&#8217;s for</a> that&#8217;s the problem. It&#8217;s how little we have to show for it that&#8217;s the problem.&#8221;
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<h2 class="wp-block-heading">Finding Balance</h2>
Many agreed that the real issue is not work itself, but how it consumes life. &#8220;You traded decades of life for a paycheck, missed birthdays, memories, and time with the people that mattered,&#8221; OP wrote.
One user summed it up simply: &#8220;You have to enjoy life while you are living it. It isn&#8217;t about working until retirement for your reward. Your whole life matters.&#8221;
Plenty of users said they try to live with more balance—taking vacations, spending time with family, and enjoying life now, not later. &#8220;I take a big trip every year and spend time with friends and family whenever possible,&#8221; another person commented.
Some emphasized the need for <a href="https://www.benzinga.com/money/retirement-planning-guide">financial planning</a> early on to avoid working into old age. &#8220;Save and invest properly, and <a href="https://www.benzinga.com/money/how-to-retire-at-55">you can retire early</a>,&#8221; one user said. &#8220;It takes sacrifice and discipline.&#8221;
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<h2 class="wp-block-heading">Is the System Broken?</h2>
A number of comments pointed to broader issues with work culture, especially in the United States. &#8220;Companies have been squeezing more out of their employees for less pay, benefits, and rewards year after year,&#8221; one commenter said.
Another noted the global differences: &#8220;Other countries give you a month or two of paid time off, several months of maternity and paternity leave, sick days aren&#8217;t a problem, healthcare isn&#8217;t taken from your pay&#8230;&#8221;
Still, some argued that while the system is imperfect, life today is better than in the past. &#8220;150 years ago, you worked like a dog until you dropped dead,&#8221; one person said. &#8220;Life has always been hard.&#8221;
Ultimately, many agreed that waiting until retirement to start &#8220;living&#8221; is a risky gamble. As one commenter put it, &#8220;You can&#8217;t wait because life doesn&#8217;t owe you anything.&#8221;
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A Worker Says We've Been Sold A Lie—'Work Like A Dog Until 65+ Just To Enjoy Maybe 10-15 Years Of Freedom'

Billionaire hedge fund manager <a href="https://www.benzinga.com/news/25/02/43770418/billionaire-bill-ackman-bets-big-with-this-2-billion-stake-heres-why-he-thinks-its-still-a-sleeping-giant">Bill Ackman</a> walked back public criticism of Commerce Secretary Howard Lutnick, days after accusing the former Cantor Fitzgerald CEO of profiting from the market fallout tied to President Donald Trump's latest tariff push.
Ackman, the founder and CEO of Pershing Square Capital Management, <a href="https://x.com/BillAckman/status/1909069404694065350?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E1909069404694065350%7Ctwgr%5E3e03a4c171e7068f5fca772e819908a1a8ad5a9b%7Ctwcon%5Es1_&amp;ref_url=https%3A%2F%2Fwww.cnbctv18.com%2Fworld%2Fhedge-fund-manager-bill-ackman-commerce-secretary-howard-lutnick-profits-if-economy-crashes-19585621.htm">made the initial remarks</a> April 6 on X, amid growing investor anxiety following the White House's decision to hike tariffs on a wide range of imports.
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<h2 class="wp-block-heading">Tariffs, Tensions and a Public Walk-Back</h2>
The Trump administration imposed a 10% base tariff on most imports and levied duties as high as 145% on select <a href="https://www.china-briefing.com/news/trump-raises-tariffs-on-china-to-125-overview-and-trade-implications/">Chinese goods</a>.&nbsp;
Exemptions were initially granted for consumer electronics, including smartphones and laptops, according to the <a href="https://www.whitehouse.gov/presidential-actions/2025/04/clarification-of-exceptions-under-executive-order-14257-of-april-2-2025-as-amended/">White House</a>. However, Lutnick later said those exemptions could be revoked as the administration ramps up efforts to support U.S.-based semiconductor manufacturing.
The market reacted sharply. On April 8, the S&amp;P 500 came close to bear market territory, falling nearly 20% from recent highs.
Shares of companies with global supply chains, including Apple,&nbsp; Microsoft&nbsp; and Nvidia, declined throughout April amid growing concerns over rising input costs and logistical delays.
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Ackman, whose fund manages approximately $15 billion, appeared to target Lutnick in a since-revised social media post. But in a follow-up post the same day, he said it was "unfair" to single out Lutnick, who became Trump's commerce secretary after leading Cantor Fitzgerald for more than three decades.
"I am sure he is doing the best he can for the country while representing the President as Commerce Secretary," Ackman said on <a href="https://x.com/BillAckman/status/1909206619897946361">X</a>. "It is not an easy job and we don't know how the sausage was made."
The hedge fund mogul called for a 30- to 90-day pause in the implementation of the tariffs to allow for renegotiations. Ackman clarified in a <a href="https://x.com/BillAckman/status/1909586890887438817">post on X </a>that his frustration stemmed from a fear of triggering a deeper economic downturn.
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His fund has already taken a hit. Shares of Pershing Square's core holdings — including Chipotle Mexican Grill, Brookfield, and Alphabet — slid after the tariff announcement. Pershing Square fell 3.5% on April 7.
Ackman's net worth stood at $8.9 billion as of April 26, according to <a href="https://www.forbes.com/profile/william-ackman/">Forbes</a>. He has become increasingly vocal on political and market issues over the past year, including publicly backing Trump in the 2024 election.
Meanwhile, other high-profile figures have joined the criticism. <a href="https://www.benzinga.com/news/25/03/44143475/trumps-u-s-doge-service-claims-65b-in-savings-experts-call-it-smoke-and-mirrors-amid-resignations">Elon Musk</a>, CEO of Tesla, expressed concern in a <a href="https://www.wsj.com/politics/policy/elon-musk-trump-tariffs-trade-policy-c9e955d6">Wall Street Journal interview</a>, advocating for free trade and warning of potential disruption in U.S. manufacturing.
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'It Is Not An Easy Job': Hedge Fund Mogul Bill Ackman Walks Back Tariff Criticism Of Commerce Secretary Howard Lutnick

Every October, <a href="https://www.benzinga.com/government/25/04/44941777/social-security-payments-could-face-interruptions-in-may-warns-former-commissioner-martin-omalley-never-hoped-i-was-wrong-so-much-in-my-life">Social Security beneficiaries</a> eagerly await news about the cost-of-living adjustment for the following year. For 2026, the adjustment could push the average Social Security check to the largest it's ever been — but even with a larger check, many retirees may still find themselves falling behind rising costs.
<h2 class="wp-block-heading">Why the 2026 COLA Could Make History</h2>
Early forecasts from <a href="https://seniorsleague.org/press-brief-2025-cola-projection-4-10-25/">The Senior Citizens League</a> suggest the 2026 COLA could lift the average retired worker's Social Security check above $2,000 for the first time ever. As of March, the average monthly benefit for retired workers was $1,997.13. A 2.3% adjustment — the current estimate, based on March inflation data — would add roughly $46 more per month for retired workers.
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The COLA is determined by comparing third-quarter data from the consumer price index for Urban Wage Earners and Clerical Workers, or CPI-W, year-over-year. If prices rise, benefits are adjusted accordingly. However, the CPI-W doesn&#8217;t perfectly match the spending habits of retirees, who often spend more on shelter and <a href="https://www.benzinga.com/personal-finance/25/04/44674382/mark-cuban-says-big-insurance-companies-and-pbms-control-healthcare-costs-everyone-has-to-kiss-their-a-and-accept-the-complications">healthcare</a> — two areas where inflation has remained stubbornly high.
<h2 class="wp-block-heading">Inflation Could Still Outpace Benefits</h2>
Even a 2.2% boost may not fully cover the rising costs many seniors face. According to the <a href="https://www.bls.gov/news.release/cpi.t02.htm">U.S. Bureau of Labor Statistics</a>, medical care services and food each rose around 3% year-over-year in March, outpacing the overall inflation rate used for the COLA calculation. Shelter costs, in particular, have been a major driver of inflation, and those expenses carry more weight for retirees than for the working-age individuals the CPI-W tracks.
According to an analysis from <a href="https://seniorsleague.org/benefits-20-of-buying-power-since-2010/">TSCL</a>, the buying power of Social Security dollars has declined by about 20% since 2010. Even with larger COLAs in recent years, retirees have often seen their actual living costs rise faster than their benefits.
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<h2 class="wp-block-heading">Tariffs Could Shake Up COLA Estimates</h2>
The final COLA announcement won&#8217;t come until October, and there are factors that could still shift the forecast. One key variable: tariffs. President Donald Trump's <a href="https://www.benzinga.com/markets/equities/25/04/45004528/sp-500-could-crash-37-to-3700-if-tariff-fallout-triggers-recession-warns-wolfe-research">tariff policies</a>, including a steep 145% tariff on Chinese goods, could drive inflation higher if trade tensions escalate. If inflation rises more sharply than expected, the 2026 COLA could end up being higher than the current 2.3% estimate — but that would also mean higher everyday costs for retirees.
Mary Johnson, a retired Social Security policy analyst, told <a href="https://www.usatoday.com/story/money/personalfinance/2025/04/10/social-security-2026-cola-estimate-trump-tariffs/83026084007/">USA Today</a> that trade wars could increase inflation, boosting COLAs but not necessarily improving retirees&#8217; financial situations.
<h2 class="wp-block-heading">Bigger Checks Bring Long-Term Concerns</h2>
While higher <a href="https://www.benzinga.com/general/25/04/45004194/dave-ramsey-calls-social-security-a-4-return-but-this-wealth-expert-says-thats-a-dangerous-oversimplification-that-could-cost-thousands">Social Security checks</a> might sound like good news, they come with long-term risks. The Old-Age and Survivors Insurance Trust Fund, which supports retiree and survivor benefits, is projected to deplete its reserves by 2033 if no changes are made. Larger COLAs could potentially speed up this timeline by increasing payouts.
The bottom line? The 2026 COLA may set a record, but many retirees could still find themselves struggling to keep pace with rising costs — and the broader future of Social Security remains uncertain.
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The 2026 Social Security COLA Could Be The Biggest In Years — But Inflation Could Still Outpace Your Benefits

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