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NCINO INC

Ncino

Ncino Inc is a provider of cloud-based software for financial institutions. Its software solution digitizes, automates, and streamlines inefficient and complex processes & workflows and utilizes data analytics & artificial intelligence that enables financial institutions to onboard new clients, make loans, and manage the entire loan life cycle, open deposits, and other accounts, and manage regulatory compliance. It also offers professional services, including configuration & implementation, training, and advisory services. The company generates the majority of its revenue from subscription services. The company caters to financial institutions, enterprise banks, regional banks, community banks, and credit unions. The vast majority of its revenue comes from the United States.

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Sportsman&#39;s Warehouse sorprende con ingresos y ganancias inesperadas: conoce las cifras que hicieron subir sus acciones.

Acciones de Sportsman&#39;s Warehouse (SPWH) se disparan un 39%; Aquí están 20 acciones moviéndose en premercado

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Aquí tienes cinco acciones estadounidenses que podrían llamar la atención de los inversores este miércoles: UNF, SPWH, BB, NCNO y RH.

5 acciones en el foco este miércoles: UNF, SPWH, BB, NCNO y RH

Tesla Rival XPeng Eyes $13.8 Billion Investment In Humanoid Robots, Says Chinese State Media

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Aquí tienes cinco acciones estadounidenses que podrían llamar la atención de los inversores este martes: ULBI, XPEV, NCNO, ALLR y SPWH.

5 acciones en el foco este martes: ULBI, XPEV, NCNO, ALLR y SPWH

A former CIA officer has debunked claims made by&nbsp;Director of National Intelligence Tulsi&nbsp;Gabbard. Gabbard had previously accused the Obama administration of manipulating Russian intelligence to undermine Trump&#8217;s 2016 election victory.
What Happened:&nbsp;According to a report, Susan Miller, a CIA veteran, dismissed Gabbard&#8217;s allegations. 
Miller, who was part of the team that compiled the 2019 Mueller report, said in an interview with CNN, &#8220;We&nbsp;definitely had the intel to&nbsp;show with high probability that&nbsp;the specific goal of the&nbsp;Russians was to get Trump&nbsp;elected.&#8221;
As <a href="https://transcripts.cnn.com/show/skc/date/2025-07-25/segment/01">per</a> the report, Miller further clarified that during the investigation, they were only directed to &#8220;look at the data&#8221; and no one influenced the conclusions of the report. She added that if&nbsp;there had been any pressure,&nbsp;she and her team would have resigned.
"What Tulsi is saying is we only want to hear anything that's pro-Trump, pro-Trump policy, pro-this, pro-current Republican Party, from any of our intel services. And if we hear anything that's not that? Then we're going to come after you," Miller added. 
Also Read: <a href="https://www.benzinga.com/news/25/02/43758634/mary-trump-warns-dni-gabbard-could-lead-to-catastrophic-outcome-a-known-russian-asset-defender-of-murderous-dictator-assad">Mary Trump Warns DNI Gabbard Could Lead To &#8216;Catastrophic Outcome&#8217;: &#8216;A Known Russian Asset,&#8217; Defender of &#8216;Murderous Dictator&#8217; Assad</a>
"We looked at everything, and we're being now told that we somehow did it wrong," she continued. 
On July 18, Gabbard released a report&nbsp;claiming that the Obama administration&nbsp;had fabricated the &#8220;Russia hoax,&#8221; labeling it a &#8220;treasonous conspiracy.&#8221; Despite criticism from former President Obama and others, Gabbard has continued to stand by her claims.
Miller&#8217;s statements contradict Gabbard&#8217;s &#8220;evidence,&#8221; aligning with a&nbsp;bipartisan 2020 Senate Intelligence Committee&nbsp;report that also concluded Russia had attempted to influence the 2016 presidential election in Trump&#8217;s favor.
Why It Matters: This development adds a new layer to the ongoing debate over Russian interference in the 2016 presidential election. 
Gabbard&#8217;s allegations against the Obama administration had stirred controversy, with her report being heavily criticized by several political figures, including former President Obama. 
Miller&#8217;s refutation of Gabbard&#8217;s claims, backed by the&nbsp;2020 Senate Intelligence Committee report, challenges the validity of Gabbard&#8217;s accusations and reiterates the conclusion that Russia did attempt to influence the election in Trump&#8217;s favor.
Read Next
<a href="https://www.benzinga.com/news/politics/25/06/46042298/trump-publicly-contradicts-dni-gabbards-claim-that-iran-lacks-nuclear-capabilities-shes-wrong">Trump Publicly Contradicts DNI Gabbard&#8217;s Claim That Iran Lacks Nuclear Capabilities: &#8216;She&#8217;s Wrong&#8217;</a>
Image: Shutterstock/Maxim Elramsisy

Politics

Ex-CIA Officer Refutes Gabbard's Claim Against Obama: 'We Had Intel To Show That Specific Goal of Russians Was To Get Trump Elected'

A recent episode of &#8220;<a href="https://www.youtube.com/watch?v=GVJJUc2oiHY">The Ramsey Show</a>&#8221; sparked frustration and sympathy after a caller revealed she was accidentally overpaid $48,000 by her employer—and now, nearly a year later, the company wants the full amount returned.
Rachel from Nashville said she and her husband had taken Dave Ramsey&#8216;s course last fall and were making major progress <a href="https://www.benzinga.com/money/how-to-pay-off-debt">paying down debt</a>. But in October, her large corporate employer made a huge payroll error, mistakenly paying her $48,000 in gross income she wasn't owed.
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The conversation that followed was somewhat confusing for both the hosts and the caller, as they tried to sort through the tangled details. One YouTube viewer summed up the chaotic conversation with a comment that captured the mood: &#8220;This conversation was worse than a tooth extraction.&#8221;
<h2 class="wp-block-heading">Tax Confusion And Delays Made It Worse</h2>
&#8220;I told them before it hit my bank account,&#8221; she explained. &#8220;Unfortunately, it was too far gone at that point.&#8221;
She said the net amount she received was $28,000 after taxes. Only about $3,300 of that was her actual paycheck. And even though she flagged the mistake immediately, it took the company 10 months to send her a repayment letter.
Trending: Accredited Investors: Grab Pre-IPO Shares of the AI Company Powering Hasbro, Sephora &amp; MGM—<a href="https://www.benzinga.com/money/rad-intel">Just $0.63 Before NASDAQ Launch</a>
Because the issue crossed into a new tax year, the employer is now asking her to repay the full gross amount, including $23,000 in taxes that were already sent to the IRS.
&#8220;It was taxed in my 2024 tax return,&#8221; she said, adding that the tax hit came out of pocket. To make things more confusing, the employer is offering to deduct 15% of her future paychecks until the debt is repaid.
Ramsey broke it down directly: &#8220;You don't pay more than what you actually owe.&#8221;
He explained that she should only repay what she physically received – about $24,000, after accounting for her real paycheck –&nbsp; and the rest should come back from the IRS once her taxes are corrected.
&#8220;You paid $23,000 more in taxes than you should have,&#8221; Ramsey said. &#8220;You should get all of that back.&#8221;
See Also: Warren Buffett once said, "If you don't find a way to make money while you sleep, you will work until you die."<a href="https://www.benzinga.com/money/warren-buffet-make-money-when-you-sleep"> Here&#8217;s how you can earn passive income with just $10.</a>
<h2 class="wp-block-heading">The IRS Will Likely Have To Return The Tax Overpayment</h2>
Ramsey told her to have the company file an amended W-2 and to make sure her tax preparer files an amended return, so she can recover the $23,000 she never should have paid.
&#8220;If your CPA doesn&#8217;t know how to do that, get a new CPA,&#8221; he said. &#8220;This is not rocket science.&#8221;
Co-host Ken Coleman criticized the company for taking so long to fix its mistake: &#8220;A big company that has all the resources in the world to fix this, and they didn&#8217;t fix it quickly. Hate that for her, but it is fixable.&#8221;
Ramsey said that in his own business, if they accidentally overpay someone a few thousand dollars, they often just let it go. &#8220;You know what we do? Eat it. Just keep the money. We&#8217;re so stupid. We did this. We&#8217;re going to <a href="https://www.benzinga.com/money/pay-taxes-with-credit-card">pay the stupid tax</a> and we&#8217;re going to fix it. &#8220;
Read Next: 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>
Image: Shutterstock

Personal Finance

Dave Ramsey Caller Was Overpaid $48,000 By Her Employer. Now They Want It Back—'This Conversation Was Worse Than A Tooth Extraction'

In a move that could significantly impact preventive health services, HHS Secretary Robert F. Kennedy Jr. is reportedly considering the dismissal of all members of a crucial advisory committee.
What Happened: Kennedy is contemplating the removal of the entire&nbsp;United States Preventive Services Task&nbsp;Force (USPSTF). 
The USPSTF is an influential group of independent medical and public health professionals who volunteer to scrutinize scientific research on diseases and preventive health services.
Speaking with NBC News, Andrew Nixon, a spokesperson for the Department of Health and Human Services (HHS), confirmed on Friday that &#8220;no&nbsp;final decision has been made&nbsp;on how the USPSTF can&nbsp;better support HHS' mandate to&nbsp;Make America Healthy Again.&#8221;
Earlier this month, Kennedy raised eyebrows among task force members by unexpectedly postponing a meeting centered on heart disease prevention, without offering a reason or rescheduling details, reports <a href="https://www.nbcnews.com/health/cancer/rfk-jr-considering-firing-task-force-cancer-screening-rcna221188">the</a> outlet.
Also Read: <a href="https://www.benzinga.com/news/health-care/25/06/45898417/rfk-jr-appoints-vaccine-critics-to-cdc-vaccine-panel-after-firing-entire-advisory-committee-report">RFK Jr. Appoints Vaccine Critics To CDC Vaccine Panel After Firing Entire Advisory Committee: Report</a>
The USPSTF plays a pivotal role in ensuring&nbsp;access to screenings and tests, as the Affordable Care Act&nbsp;mandates that most private insurers&nbsp;provide the services recommended by the group at no cost.
The task force has previously faced backlash&nbsp;from conservative groups for some&nbsp;of its decisions, including its &#8220;A&#8221;&nbsp;recommendation to cover the HIV&nbsp;prevention pill, PrEP.
The specific areas of health care that Kennedy might target by restructuring the panel remain uncertain. In June, he dismissed&nbsp;all 17 members of the&nbsp;Advisory Committee on Immunization Practices&nbsp;and replaced them with eight&nbsp;new members, including well-known vaccine critics.
Why It Matters: The potential dismissal of the entire USPSTF could have far-reaching implications for preventive health services in the United States. 
The task force&#8217;s recommendations influence the preventive services covered by private insurers, impacting millions of Americans. 
The move also raises questions about the future direction of preventive health policy under Kennedy&#8217;s leadership, particularly given his previous dismissal and replacement&nbsp;of the Advisory Committee on&nbsp;Immunization Practices.
Read Next
<a href="https://www.benzinga.com/news/health-care/25/07/46608478/vaccine-skeptic-rfk-jr-finalizes-ban-on-mercury-based-thimerosal-in-us-flu-vaccines">Vaccine-Skeptic RFK Jr. Finalizes Ban On Mercury-Based Thimerosal In US Flu Vaccines</a>
Image: Shutterstock/lev radin

RFK Jr. Ponders Overhaul of Key Preventive Health Advisory Committee

A high salary does not guarantee that you will <a href="https://www.tiktok.com/@grantcardone/video/7528076206760021279?lang=en">build multi-generational wealth</a> for your children. What you do with your money can build wealth, and that's a key lesson Grant Cardone shared in a recent video.
"Wealth does not stop. Rich stops," Cardone explained.
Here's how you can use this insight to approach your finances differently and set the stage for multi-generational wealth.
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<li>$100k+ in investable assets? <a href="https://www.benzinga.com/money/wiseradvisor-retirement-planning">Match with a fiduciary advisor for free to learn how you can maximize your retirement and save on taxes</a> – no cost, no obligation.</li>
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<h2 class="wp-block-heading">Your Wealth Can Outlive You</h2>
Cardone started the clip by mentioning that Walmart (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/WMT#NYSE">WMT</a>) founder Sam Walton still has five children who are on the billionaires list. His children are still on that list because Walton built the largest global retailer.
Walmart continues to generate positive cash flow for its heirs. While Walton doesn't earn any additional income, his assets have outlived him. Those assets continue to provide wealth for his children.
You can start a business and then hand it off to your children in the future. That's building wealth. You can also make a six-figure salary, but that salary vanishes the moment you pass away or can no longer fulfill the job's responsibilities due to age or another factor. It's also possible to get laid off from your job, while you have more control over your financial destiny if you start a business.
Trending: This AI-Powered Trading Platform Has 5,000+ Users, 27 Pending Patents, and a $43.97M Valuation — <a href="https://www.benzinga.com/money/finally-a-fully-automated-trading-platform-for-individual-investors?">You Can Become an Investor for Just $500.25</a>
<h2 class="wp-block-heading">Your Wealth Gets Split Up After Death</h2>
Cardone also mentioned that your wealth will get taxed and split up after you pass away. If you built your fortune on a rich salary with no assets, your children may not see a lot of it. Estate taxes and local taxes can also come into play, further reducing the inheritance you provide for your children.
That's why starting a business is valuable. The cash flow continues to arrive, and your heirs can improve the business to boost its profits. If you don't start a business, you can also invest in assets like stock and real estate that generate income.
It's better to be reminded of how your money will be taxed and split up when you pass your inheritance on to your heirs. It can give you the extra motivation to invest in passive assets and start a company that your children can inherit.
See Also: <a href="https://www.benzinga.com/money/are-you-rich">Are you rich?</a> Here&#8217;s what Americans think you need to be considered wealthy.
<h2 class="wp-block-heading">Build A Brand</h2>
Cardone wraps up the video clip by explaining that he's building a brand. He believes people will continue to talk about him for 50 years after he passes away. That type of brand will give his children more options. They can expand his work and continue to generate income from the company that he continues to build.
It's easier to build a brand than ever before. You don't have to invest in supplies, retail locations, or any high-budget items. You can get started by creating a website, offering services that you can scale, producing content, and interacting with people on social media.
Those efforts won't guarantee that you build a successful brand. However, if you are strategic about your core services, how you will identify your target customers, what marketing channels you use, and how you guide people along the customer journey, it's possible to develop a successful brand.
Read Next: Warren Buffett once said, "If you don't find a way to make money while you sleep, you will work until you die."<a href="https://www.benzinga.com/money/warren-buffet-make-money-when-you-sleep"> Here&#8217;s how you can earn passive income with just $10.</a>
Image: Shutterstock

'Wealth Does Not Stop. Rich Stops.' -- Grant Cardone Explains How To Build Multi-Generational Wealth

President Donald Trump has demanded legal action against former Vice President Kamala Harris, Beyonce, Oprah Winfrey, and Al Sharpton, citing alleged campaign finance violations.
What Happened: Donald Trump has accused these individuals of unlawfully receiving funds from the Harris campaign. Trump made these allegations in a <a href="https://truthsocial.com/@realDonaldTrump/posts/114922194000687458">post</a> on Truth Social late Saturday.
Trump alleges that the Democrats owe a significant amount of money post the Presidential Election, accusing them of paying Beyonce, Oprah, and Sharpton large sums for endorsements. 
&#8220;I'm looking at the large amount of money owed by the Democrats, after the Presidential Election, and the fact that they admit to paying, probably illegally, Eleven Million Dollars to singer Beyoncé for an ENDORSEMENT (she never sang, not one note, and left the stage to a booing and angry audience!), Three Million Dollars for "expenses," to Oprah, Six Hundred Thousand Dollars to very low rated TV "anchor," Al Sharpton (a total lightweight!), and others to be named for doing, absolutely NOTHING! These ridiculous fees were incorrectly stated in the books and records. YOU ARE NOT ALLOWED TO PAY FOR AN ENDORSEMENT. IT IS TOTALLY ILLEGAL TO DO SO,&#8221; Trump wrote in the post. 
He further claimed that these payments were illegal and inaccurately recorded&nbsp;in the books and records.
Also Read: <a href="https://www.benzinga.com/news/politics/25/07/46264859/ex-trump-family-attorney-raises-alarms-over-trumps-actions-as-president-i-have-never-been-as-concerned">Ex-Trump Family Attorney Raises Alarms Over Trump&#8217;s Actions as President: &#8216;I Have Never Been As Concerned&#8217;</a>
However, the source of these figures remains unclear. According to campaign finance records,&nbsp;Beyonce's production company, Parkwood Entertainment,&nbsp;received&nbsp;$165,000 for her appearance at&nbsp;an Oct. 26 rally in&nbsp;Houston. 
Harpo Productions, Oprah's production company, was paid $1 million for&nbsp;a live-streamed town hall in&nbsp;Michigan. Sharpton's National Action Network&nbsp;received $500,000 for voter mobilization initiatives.
This&nbsp;is not the first time&nbsp;Trump has made such allegations, but&nbsp;it is the first time&nbsp;he has demanded criminal prosecutions. He had previously raised questions about the legality of such payments in posts made in December and May.
Why It Matters: These allegations come at a time when campaign finance laws are under scrutiny. If proven true, these could have serious implications for the individuals involved and could potentially impact future campaign finance regulations. 
However, the lack of clarity on the source of Trump&#8217;s figures and the absence of any formal investigation raises questions about the credibility of these allegations. The situation warrants close monitoring as it unfolds.
Read Next
<a href="https://www.benzinga.com/news/24/10/41563454/trumps-escalating-threats-to-rivals-100-and-counting">Trump&#8217;s Escalating Threats To Rivals: 100 And Counting</a>
Image: Shutterstock/Charles-McClintock Wilson

Trump Calls for Legal Action Against Kamala Harris, Beyonce, Oprah Over Alleged Campaign Finance Violations: 'They Should All Be Prosecuted!'

NASA is preparing to shrink its workforce by approximately 20%, with nearly 4,000 civil servants expected to depart through a voluntary resignation program aimed at streamlining operations under the Donald Trump administration's broader <a href="https://www.benzinga.com/news/space/25/07/46647024/nasa-confirms-major-workforce-reduction-1-in-5-employees-expected-to-leave" target="_blank" rel="noreferrer noopener">federal workforce reduction plan</a>.
The space agency announced on Friday that an estimated 3,870 employees will exit, bringing the total number of civil servants down to around 14,000 by the end of the year.
The departures are part of the Deferred Resignation Programme, initiated as part of a larger Trump-era push for government efficiency, <a href="https://www.scmp.com/news/world/united-states-canada/article/3319673/nasa-slash-workforce-one-fifth-amid-efficiency-drive?module=perpetual_scroll_0&amp;pgtype=article" target="_blank" rel="noreferrer noopener">reports</a> the South China Morning Post.
Also Read:<a target="_blank" href="https://www.benzinga.com/trading-ideas/long-ideas/25/07/46648171/benzingas-stock-whisper-index-5-stocks-investors-secretly-monitor-but-dont-talk-about-yet-75" rel="noreferrer noopener"> Benzinga&#8217;s &#8216;Stock Whisper&#8217; Index: 5 Stocks Investors Secretly Monitor But Don&#8217;t Talk About Yet</a>
NASA emphasized that the figures could still fluctuate as applications are reviewed and some employees may withdraw or be denied participation. Officials noted that the agency had also accounted for roughly 500 employees leaving through regular attrition during the same period.
The agency first launched a voluntary exit initiative early in the Trump administration.
That initial round, which began with agency-wide emails offering buyouts, led to the departure of 870 staff—about 4.8% of the total workforce at the time.
The latest round began in June, with a deadline to opt in by late July. NASA reported that 16.4% of its current staff accepted the offer.
Former acting administrator Janet Petro stated during a June town hall that the goal was to avoid forced layoffs. "The reason we are doing this is to minimise any involuntary workforce reductions in the future," Petro told employees, according to a leaked recording, South China Morning Post added.
Despite concerns about institutional knowledge loss, NASA leadership affirmed its commitment to exploration goals, including missions to the Moon and Mars.
In its public statement, the agency said, "Safety remains a top priority for our agency as we balance the need to become a more streamlined and more efficient organisation," the report adds
However, the plan has sparked internal backlash.
In a letter titled &#8220;The Voyager Declaration,&#8221; hundreds of past and present NASA employees warned newly appointed interim administrator Sean Duffy—who also heads the Department of Transportation—that widespread resignations could compromise both safety and innovation. 
The letter stated, "Thousands of Nasa civil servant employees have already been terminated, resigned or retired early, taking with them highly specialised, irreplaceable knowledge crucial to carrying out Nasa's mission."
Read Next:
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<li><a href="https://www.benzinga.com/personal-finance/financial-advisors/25/07/46646681/warren-buffett-issues-urgent-warning-on-looming-social-security-cuts" target="_blank" rel="noreferrer noopener">Warren Buffett Issues Urgent Warning On Looming Social Security Cuts</a></li>
</ul>
Image: Shutterstock/Nadezda Murmakova

Movers

General

NASA Eyes Leaner Future as 4,000 Staff Prepare To Exit

Facebook co-founder Dustin A. Moskovitz who is now the Director of Asana, Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ASAN#NYSE">ASAN</a>), has increased his stake in the company by acquiring 225,000 shares.
What Happened: The shares were purchased on Wednesday, July 23rd at an average price of $15.04 per share, amounting to a total investment of $3,384,000.00. 
Following this transaction, Moskovitz&#8217;s total holdings in Asana now stand at 54,405,999 shares, valued at approximately $818,266,224.96. 
This acquisition signifies a 0.42% increase in Moskovitz&#8217;s ownership of Asana&#8217;s stock. The transaction details were&nbsp;disclosed in a legal filing&nbsp;with the SEC, which is&nbsp;accessible on the SEC website.
As per Benzinga <a href="https://www.benzinga.com/sec/insider-trades">Insider</a>, Asana&#8217;s shares experienced a slight dip on Friday, trading down $0.05 to reach $14.90. The company&#8217;s current ratio stands at 1.47, with&nbsp;a quick ratio of 1.47&nbsp;and a debt-to-equity ratio of&nbsp;0.16. 
The firm&#8217;s 50-day moving average is $15.04, while&nbsp;its 200-day moving average is&nbsp;$16.85.
Also Read: <a href="https://www.benzinga.com/trading-ideas/movers/25/06/45758525/asana-stock-climbs-on-mixed-q1-earnings-earnings-beat-revenues-miss">Asana Reports Q1 Earnings: Earnings, Revenues Beat&nbsp;</a>
Asana&#8217;s most recent quarterly earnings results, released on Tuesday, June 3rd,&nbsp;reported $0.05 earnings per share&nbsp;(EPS) for the quarter, surpassing analysts&#8217;&nbsp;consensus estimates of $0.02 by&nbsp;$0.03. 
The firm&#8217;s revenue for the quarter was $187.63 million, slightly above&nbsp;the consensus estimate of $185.40&nbsp;million.
This move by Moskovitz, a key figure in the company, could be seen as a vote of confidence in Asana&#8217;s future prospects. It comes at a time when institutional investors have been actively trading the company&#8217;s shares. 
For instance, Blue Trust Inc. increased its holdings in&nbsp;Asana by 13.7% during the&nbsp;second quarter. Other investors who have recently traded Asana&#8217;s shares include 111 Capital,&nbsp;GC Wealth Management RIA LLC, Catalyst Private Wealth LLC, and Harbor Capital Advisors Inc.
Read Next
<a href="https://www.benzinga.com/trading-ideas/insider-trades/25/07/46335720/this-tech-ceo-is-buying-his-companys-shares-hand-over-fist-as-analysts-see-50-upside-from-current-levels">This Tech CEO Is Buying His Company&#8217;s Shares &#8216;Hand Over Fist&#8217; As Analysts See 50% Upside From Current Levels</a>
Image: Shutterstock/FellowNeko

ASAN

Facebook Co-Founder Dustin Moskovitz Just Doubled Down on Asana With a Big Stock Buy

After more than a year of tight lending and <a href="https://www.benzinga.com/topic/interest-rate">high borrowing costs</a>, there are some early signs that access to credit might be loosening. For investors watching consumer resilience, this could offer a small but notable shift in the broader economic picture. <a href="https://www.benzinga.com/money/refinancing-questions">Mortgage refinancing, in particular</a>, saw a big move last month, giving potential borrowers a reason to reengage.
Rejection rates dropped to 15% in June, down from 42% in February. That February figure was the highest on record going back to 2013. Auto loan rejections were also down, falling to 7% in June from 14% earlier in the year.
<h2 class="wp-block-heading">A Look at Consumer Expectations</h2>
The <a href="https://www.reuters.com/business/finance/ny-fed-survey-finds-easier-access-auto-loans-mortgage-refinancing-2025-07-21/">data</a> comes from the Fed's Survey of Consumer Expectations, which tracks how households feel about credit access, inflation, and their financial outlook. Fewer people reported holding back from applying for credit because they expected to be turned down. That share, often referred to as discouraged borrowers, dropped from 8.5% in February to 7.2% in June.
At the same time, people said they'd be more likely to face a surprise $2,000 expense, but also felt more capable of covering it. Overall debt burdens remain a concern in other parts of the Fed's data, but consumer financial conditions still look relatively stable, especially given the impact of elevated interest rates.
While it&#8217;s too soon to call this a trend, the June survey offers a snapshot of slightly easier credit conditions that investors <a href="https://www.benzinga.com/money/how-to-create-a-budget">watching household spending</a> may want to track.
How this plays out over the next few months will depend on a mix of consumer behavior, lender confidence, and broader economic signals. Credit conditions often shift gradually, and even small changes can influence how people spend, save, or borrow. For now, the latest data suggests a subtle shift worth monitoring.
Read Next:
<ul class="wp-block-list">
<li><a href="https://www.benzinga.com/markets/equities/25/07/46627073/dan-ives-calls-microsoft-scottie-scheffler-of-software-ahead-of-earnings-says-satya-nadella-led-cloud-giant-is-firing-on-all-cylinders-in-ai-boom">Dan Ives Calls Microsoft &#8216;Scottie Scheffler Of Software&#8217; Ahead Of Earnings — Says Satya Nadella-Led Cloud Giant Is Firing On All Cylinders In AI Boom</a></li>
</ul>
Photo: Shutterstock

Financial Advisors

Auto Loan Rejections Cut In Half Since February, Survey Finds

Some people will happily take a stressful, high-paying job. The salary is too difficult for most people to pass, especially if they view the role as a temporary position. Some people embrace the golden handcuffs for a few years, save their money, and then look for jobs with more reasonable expectations.
A wife in her mid-twenties finds herself in that position. She makes $300,000 per year at a startup and has held that position for about six months. However, she's already feeling burned out.
She told Reddit that she keeps getting the idea that she "sold [her] soul" for this position. She then turned to high earners for advice on <a href="https://www.reddit.com/r/HENRYfinance/comments/1m4o2gy/how_do_you_remain_resilient_in_a_high_stress_job/">sticking it out with a stressful job</a> that pays well. She received plenty of suggestions in the comments.&nbsp;
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<li>$100k+ in investable assets? <a href="https://www.benzinga.com/money/wiseradvisor-retirement-planning">Match with a fiduciary advisor for free to learn how you can maximize your retirement and save on taxes</a> – no cost, no obligation.</li>
</ul>
<h2 class="wp-block-heading">It Gets Easier Over Time</h2>
A fast-moving startup can feel overwhelming when you're new to the role, but it may get easier over time. Stress and pressure can make you more productive and help you learn how to adjust when necessary. It also helps that the wife doesn't have any children yet, so she has more time to commit to her career.
"Give yourself the opportunity to really get good enough at something that it begins to feel easier. Try to identify parts of your role that feel unclear or just new, and focus on learning those skills. Otherwise, just trust the process and let time do its thing," one commenter suggested.&nbsp;
The wife acknowledged that she's learning certain tasks and parts of the job as she goes. As she builds this knowledge, she will gradually feel less stressed about the fast-paced environment. It won't be stress-free, but it will be less stressful over time.
Trending: Accredited Investors: Grab Pre-IPO Shares of the AI Company Powering Hasbro, Sephora &amp; MGM—<a href="https://www.benzinga.com/money/rad-intel">Just $0.63 Before NASDAQ Launch</a>
<h2 class="wp-block-heading">Practice Self-Care</h2>
Finding some time in each day to practice self-care can make it easier to navigate a stressful workplace. One Redditor suggested making time to exercise and meditate each day. You don't have to exercise for too long. A simple 15 to 20 minute workout can do wonders for your dopamine and mindset.&nbsp;
Meditating can also work wonders, as staying still for a few minutes can make you feel calm. It's like giving yourself a reset that can help you tackle the next set of tasks.&nbsp;
The same Redditor who suggested exercising and meditating also recommends writing down everything that you have to do. Getting your tasks out of your head can calm your mind and ensure you approach each day with a plan instead of winging it. Writing your daily tasks on a sheet of paper is similar to going to a grocery store with a shopping list. That list helps you stay organized and ensures that you prioritize the essentials. The wife can take the same concept and apply it to her job.
See Also: Warren Buffett once said, "If you don't find a way to make money while you sleep, you will work until you die."<a href="https://www.benzinga.com/money/warren-buffet-make-money-when-you-sleep"> Here&#8217;s how you can earn passive income with just $10.</a>
<h2 class="wp-block-heading">You Don't Have To Care As Much As The CEO</h2>
One Redditor suggested that the wife doesn't have to care as much about the startup as she currently does. That doesn't mean slacking off, but you can still get a lot done without feeling the same pressure as the startup's CEO.
The Redditor said that his mentality has shifted from "I need to do whatever it takes to get this done" to "If the company cared, they would hire more people."&nbsp;
The commenter acknowledged that this mentality works better in a mega corporation than a startup, but it's a valuable lesson. Freeing yourself from the need to be perfect can result in less stress without sacrificing the quality of your work.
Read Next: 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>.
Image: Shutterstock

'Sold My Soul' – C-Suite Executive Asks How People Remain Resilient In High-Stress Jobs

Elon Musk's brain-tech company Neuralink briefly claimed it was a &#8220;small disadvantaged business&#8221; in a federal filing—just weeks before <a href="https://www.benzinga.com/general/health-care/25/05/45634160/elon-musks-neuralink-hits-9-billion-valuation-with-new-funding">raising $650 million</a> and being valued at more than $9 billion.
<h2 class="wp-block-heading">Filed As Disadvantaged, Then Valued In Billions</h2>
The SDB box was checked on an April 24 federal <a href="https://search.certifications.sba.gov/profile/JGGFP357J8B8/7VRH1?page=1">filing</a> with the Small Business Administration, a time when <a href="https://www.benzinga.com/media/25/02/43805137/elon-musk-defends-doge-initiatives-says-his-role-is-to-provide-trump-with-tech-support-if-the-bureaucracy-is-fighting-the-will-of-the-people">Musk was heading</a> the Trump administration's Department of Government Efficiency. Under SBA <a href="https://www.sba.gov/federal-contracting/contracting-assistance-programs/small-disadvantaged-business">rules</a>, that status is supposed to apply to companies that are at least 51% owned by socially and economically disadvantaged individuals. It can result in easier access to federal contracts.
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<li>$100k+ in investable assets? <a href="https://www.benzinga.com/money/wiseradvisor-retirement-planning">Match with a fiduciary advisor for free to learn how you can maximize your retirement and save on taxes</a> – no cost, no obligation.</li>
</ul>
Neuralink later said the filing was a mistake. &#8220;Neuralink has never applied for nor received a benefit from the federal government. The box on the SAM.gov was erroneously checked and has since been updated,&#8221; a company spokesperson told <a href="https://www.cnbc.com/2025/07/17/elon-musks-neuralink-says-owned-by-disadvantaged-persons-in-filing.html">CNBC</a> on July 19.
According to Neuralink's profile on SBA.gov, the company currently has no active or former SBA certifications, despite being self-registered as an SDB. The agency notes that such self-attestations are not verified by SBA.
The filing listed Jared Birchall as the contact. Birchall also runs Musk's family office.
Trending: Accredited Investors: Grab Pre-IPO Shares of the AI Company Powering Hasbro, Sephora &amp; MGM—<a href="https://www.benzinga.com/money/rad-intel">Just $0.63 Before NASDAQ Launch</a>
<h2 class="wp-block-heading">Human Trials, Bold Claims</h2>
Neuralink has implanted its brain-computer interface device <a href="https://www.benzinga.com/markets/tech/25/07/46537319/elon-musk-says-neuralink-will-do-life-changing-good-for-billions-as-company-successfully-adds-9-bci-implants-targets-20-by-end-of-2025">into nine human patients</a>, and aims to reach 20 implants by the end of the year. The company recently completed two surgeries in a single day for the first time.
&#8220;Neuralink will do live-changing good for ultimately millions, maybe billions, of people,&#8221; Musk <a href="https://x.com/elonmusk/status/1947346507927326761">said on X</a> on July 21. &#8220;Imagine your loved one being able to walk again or your parent with dementia being able to recognize their child again.&#8221;
Co-founder DJ Seo <a href="https://x.com/djseo/status/1947343233492701396">confirmed</a> the goal: &#8220;Our goal is at least 20 before the end of 2025.&#8221;
The company is also <a href="https://www.benzinga.com/markets/tech/25/06/46020319/elon-musk-says-neuralinks-blindsight-implant-will-help-people-see-radar-infrared-like-a-superpower-ahead-of-human-trial-next-year">planning human trials</a> of its vision-restoring &#8220;Blindsight&#8221; implant in the United Arab Emirates by 2026.
See Also: Warren Buffett once said, "If you don't find a way to make money while you sleep, you will work until you die."<a href="https://www.benzinga.com/money/warren-buffet-make-money-when-you-sleep"> Here&#8217;s how you can earn passive income with just $10.</a>
<h2 class="wp-block-heading">Criticism And Big Backers</h2>
Despite the progress, Neuralink <a href="https://www.benzinga.com/news/health-care/25/06/46160805/elon-musk-says-clear-path-to-restoring-hearing-with-neuralink-but-the-deaf-community-want-to-have-their-say">has faced criticism</a>, including from the deaf community, after Musk claimed the tech could help restore hearing.
Neuralink's backers include major investors like Cathie Wood's ARK Invest, Founders Fund, Sequoia Capital and Thrive Capital. The $650 million Series E round closed in June.
The company says it is building ultra-high-bandwidth brain-machine interfaces and is actively hiring engineers in San Francisco. Founded in 2016 and incorporated in Nevada, Neuralink lists its focus as biotechnology R&amp;D.
Read Next: <a href="https://www.benzinga.com/money/are-you-rich">Are you rich?</a> Here&#8217;s what Americans think you need to be considered wealthy.
Image: Shutterstock

Elon Musk's Neuralink Claimed 'Small Disadvantaged Business' Status—Right Before Venture Investors Gave It A $9 Billion Valuation

A recent poll has uncovered that a significant number of Americans would willingly forsake love, betray friends, and even risk their own lives for a million-dollar windfall.
The <a href="https://studyfinds.org/would-you-leave-your-partner-for-million-dollars/">survey </a>conducted by online casino deals tracker Gamblizard disclosed that over 40% of Americans would willingly part ways with their romantic partners for a million dollars.
Almost half of the participants, 46%, confessed they would risk their lives in a deadly game akin to the popular Netflix series &#8220;Squid Game&#8221; for a $33 million reward. 
Additionally, four out of ten Americans admitted they would drive a stranger to bankruptcy to secure the same amount for themselves.
Interestingly, the survey also revealed that 60% would renounce technology and adopt an off-grid lifestyle, and 41% would abstain from sex for a million-dollar paycheck. 
Also Read: <a href="https://www.benzinga.com/personal-finance/financial-advisors/25/06/46159347/us-credit-card-debt-hits-1-18-trillion-as-americans-downplay-what-they-owe">US Credit Card Debt Hits $1.18 Trillion As Americans Downplay What They Owe</a>
A shocking 15% admitted they would falsely implicate a friend in a crime they didn&#8217;t commit to obtain such a sum.
On the other hand, 10% of respondents said they would decline the money if they couldn&#8217;t share it, and 21% valued access to social media more than a million dollars. 
More than half would refuse the money if it was controlled by their parents, and 38% would reconsider if their adversary also stood to gain.
Why It Matters: These findings provide a fascinating insight into human psychology, suggesting that people&#8217;s moral boundaries may fluctuate as the incentives increase. 
However, some experts caution that these responses may underestimate the actual number of people who would follow through with these choices if presented with the opportunity.
Read Next
<a href="https://www.benzinga.com/news/politics/25/07/46510445/polls-most-americans-want-an-alternative-to-two-party-system-but-not-elon-musks">Polls: Most Americans Want an Alternative To Two-Party System — But Not Elon Musk&#8217;s</a>
Image: Shutterstock/ibragimova

Millions Over Morals: Survey Reveals Americans' Willingness To Sacrifice Love And Loyalty For Cash

A Reddit <a href="https://www.reddit.com/r/passive_income/comments/1kqx663/started_from_300_ive_made_3k5kmonth_with_ai_music/">user</a> claims they turned AI-generated music into a lucrative passive income stream, earning over $5,000 per month — despite their dearth of formal training in music production.
The user, who posted their story to the popular <a href="https://www.reddit.com/r/passive_income/">r/passive_income</a> subreddit, shared their journey from total novice to successful music creator using AI tools like <a href="https://www.benzinga.com/topic/chatgpt">ChatGPT</a> and <a href="https://www.benzinga.com/news/23/12/36319515/want-to-generate-your-own-ai-music-microsoft-copilots-suno-extension-lets-you-do-it-for-free">Suno</a>. The story may exemplify how technology is reshaping creative industries, allowing even those without traditional skills to monetize digital content, although responses in the comments to the hustle ranged from curious to suspicious.&nbsp;
Don't Miss:
<ul class="wp-block-list">
<li>Be part of the breakthrough that could replace plastic as we know it—<a href="https://www.benzinga.com/money/timeplast-advertorial">invest in Timeplast before the July 31st deadline and help revolutionize a $1.3T industry.</a></li>
<li>$100k+ in investable assets? <a href="https://www.benzinga.com/money/wiseradvisor-retirement-planning">Match with a fiduciary advisor for free to learn how you can maximize your retirement and save on taxes</a> – no cost, no obligation.</li>
</ul>
<h2 class="wp-block-heading">From Zero to $5K: Getting Started</h2>
The Redditor writes that they hadn't considered music a viable income source until a music agency offered to pay them to use one of their tracks on their anime YouTube channel. Intrigued, they spent weeks researching before stumbling upon Suno AI, a platform that generates music from text prompts.
By February 2024, they began experimenting with AI-generated tracks. By December, their earnings had surpassed $5,000 a month, all without singing, mixing or signing with a record label.
These are the steps they implement:
<ul class="wp-block-list">
<li>Lyrics via ChatGPT: They generate short, emotionally resonant lyrics – under 3,000 characters – using the AI chatbot.</li>
<li>Music made by Suno: After inputting the lyrics, they select a mood and style and create multiple song versions via Suno before picking the best one.</li>
<li>Distribution: Using distribution platforms like DistroKid and TuneCore, they upload the final tracks to platforms like Spotify, Apple Music and YouTube.</li>
</ul>
But making the tracks is only half the battle. The real key? Marketing.
Trending: This AI-Powered Trading Platform Has 5,000+ Users, 27 Pending Patents, and a $43.97M Valuation — <a href="https://www.benzinga.com/money/finally-a-fully-automated-trading-platform-for-individual-investors?">You Can Become an Investor for Just $500.25</a>
<h2 class="wp-block-heading">The Viral Playbook: Shorts, Reels, And $5 Ads</h2>
To drive streams, the Redditor operates six faceless YouTube Shorts and Instagram Reels channels, each targeting niches like K-dramas, anime and K-pop. Their strategy is to curate trending clips from Instagram, TikTok and Reddit; edit them lightly; and then pair the clips with the AI-generated tracks. They scale the posting from 2-4 shorts to 6-8 shorts daily, and boost the clips with Facebook Ads targeting low-cost countries to increase visibility on YouTube.
While some tracks "flop," others take off — sometimes unexpectedly. "One lo-fi song paired with a sad anime scene earned $1,000 in a single month," the Redditor writes. "It was uploaded to a throwaway channel."
Is AI music "cheating" the system?&nbsp;
When asked if AI-made music is &#8220;cheating,&#8221; the Redditor pushed back: &#8220;I write the lyrics with the help of ChatGPT. The music is generated in Suno based on those lyrics. These are original creations. I treat it like a startup. I build a product, distribute it everywhere, and let the system decide what catches on."
But other commentators said it was misleading to imply any real creativity had entered the process: "Insulting to call this ‘writing' music. You&#8217;re not even writing the words yourself!" a commentator responded. Another commentator, a struggling musician, had stronger words for the poster, who responded that "I&#8217;m sorry that you are having it hard. The jungle has no rules."
See Also: Warren Buffett once said, "If you don't find a way to make money while you sleep, you will work until you die."<a href="https://www.benzinga.com/money/warren-buffet-make-money-when-you-sleep"> Here&#8217;s how you can earn passive income with just $10.</a>
Several commenters pointed out that the original poster was selling a course on the practice, making them more skeptical of his claims: A redditor asks, "Why sell a course and saturate your niche field if it&#8217;s working so well? Especially if it&#8217;s scaling. This is always the question." The commenter also surmised that the poster's primary income came from the course, and not the AI music generation.&nbsp;
<h2 class="wp-block-heading">Volume Over Virality</h2>
Despite posting in a subreddit dedicated to passive income, the Redditor emphasizes that this is far from a &#8220;get-rich-quick&#8221; scheme. It's a volume game, and there's a lot of grinding involved: "This process isn't about going viral once. It's about compounding results through volume," they write.
And while their success raises a lot of ethical questions, it also underscores how AI is lowering barriers in creative fields, and that typically persistence — not perfection — is what can turn a side hustle into serious income.
Read Next: <a href="https://www.benzinga.com/money/are-you-rich">Are you rich?</a> Here&#8217;s what Americans think you need to be considered wealthy.

Redditor Claims AI-Generated Tracks Are Earning Them $5K A Month In Passive Income

Memecoin Shiba Inu&nbsp;(CRYPTO: <a class="ticker" href="https://www.benzinga.com/quote/shib/usd">SHIB</a>) is expected to outperform&nbsp;Dogecoin&nbsp;(CRYPTO: <a class="ticker" href="https://www.benzinga.com/quote/doge/usd">DOGE</a>) in the forthcoming bull cycle, as per analysts&#8217; predictions.
What Happened:&nbsp;Analysts, including Kevin Capital, a&nbsp;prominent Dogecoin observer, and a Finder report, indicate that SHIB could potentially eclipse&nbsp;DOGE as early as 2026&nbsp;or during the 2028–2029 cycle.
SHIB might surpass DOGE intensifying the rivalry between these two community-backed digital assets. Currently, DOGE has a market capitalization of $35.69 billion, while SHIB stands at $8.27 billion.
Under a&nbsp;scenario where SHIB grows three&nbsp;times faster than DOGE, price&nbsp;projections show a significant gap. 
If DOGE&#8217;s price increases&nbsp;1,000% to $2.61, SHIB would&nbsp;need to surge 3,000% from&nbsp;its current $0.00001404 to $0.000435,&nbsp;pushing&nbsp;its market cap to $256.32&nbsp;billion.
Also Read: <a href="https://www.benzinga.com/crypto/cryptocurrency/25/07/46508809/dogecoin-set-to-soar-2600-and-hit-1-trillion-market-cap-says-this-crypto-analyst">Dogecoin Set To Soar 2,600% and Hit $1 Trillion Market Cap, Says This Crypto Analyst</a>
Despite these optimistic predictions, SHIB faces several hurdles. It has yet to gain&nbsp;institutional adoption, with no asset&nbsp;managers filing for a SHIB&nbsp;spot ETF. 
The project&#8217;s&nbsp;anonymous development team raises questions&nbsp;about long-term governance and accountability,&nbsp;which are essential for sustained price growth.
Investors are urged to treat these projections with caution,&nbsp;as the 3x growth assumption&nbsp;relies on unverified catalysts such&nbsp;as broader market conditions, technological&nbsp;advancements, or regulatory changes. 
Meme coins are notoriously volatile, and past performance is not indicative of future results.
Read Next
<a href="https://www.benzinga.com/markets/cryptocurrency/25/02/43420393/analyst-forecasts-mammoth-200-surge-for-this-dogecoin-and-shiba-inu-competitor" target="_blank" rel="noreferrer noopener">Analyst Forecasts Mammoth 200% Surge for This Dogecoin and Shiba Inu Competitor</a>
Image: Shutterstock/CryptoFX

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

Cryptocurrency

$DOGE

$SHIB

Shiba Inu Could Surge 3,000% and Overtake Dogecoin by 2026, Say Analysts

Six seasoned Wall Street professionals have divulged their investment strategies if they were to receive a hypothetical windfall of $10,000.
Despite the market reaching record highs since April, these experts believe there are still numerous investment opportunities to be explored. 
They advise a diversified approach, encompassing tech stocks, value stocks, and international stocks, reports <a href="https://www.businessinsider.com/where-to-invest-10000-right-now-stock-market-advice-recommendations-2025-7">the </a>Insider. 
One of the experts, Santos, would allocate $7,000 to developed-market ex-US stocks and the remaining $3,000 to emerging-market stocks. 
She anticipates a significant shift for international equities, considering the high valuations on US stocks.
Bannister, another expert, pinpointed three areas of opportunity:&nbsp;value stocks, small-caps, and international&nbsp;stocks. He recently invested in these areas himself.
Also Read: <a href="https://www.benzinga.com/markets/bonds/25/05/45600819/global-bond-turmoil-a-shift-in-financial-markets-amid-rising-us-deficits">Global Bond Turmoil: A Shift in Financial Markets Amid Rising US Deficits</a>
Smith&nbsp;advocates for a broad market index for diversification. He proposes investing&nbsp;50-60% of the money into&nbsp;an equal-weight S&amp;P 500 fund and the remaining 40-50%&nbsp;into a more concentrated cap-weighted&nbsp;index like the tech-heavy Nasdaq&nbsp;100.
Kantrowitz&nbsp;advises&nbsp;investing in large-cap profitable leaders&nbsp;within their industries, while&nbsp;DeSpirito&nbsp;would divide&nbsp;his investment between large-cap growth&nbsp;companies, dividend stocks, and value&nbsp;stocks.
Lastly,&nbsp;Castleton&nbsp;recommended a three-pronged approach in equities: 60%&nbsp;into large-cap stocks with a&nbsp;bias toward tech, 20% into ex-US stocks, and 20% into mid-cap stocks.
These strategies offer a glimpse into the thought processes of Wall Street veterans when it comes to investing. Despite the market&#8217;s recent highs, they believe there are still opportunities for profit. 
Their recommendations highlight the importance of diversification and the potential of international stocks, value stocks, and tech stocks. 
These insights could prove valuable for investors looking to make the most of their own portfolios.
Read Next
<a href="https://www.benzinga.com/markets/25/05/45607859/us-long-bond-slump-threatens-revival-of-60-40-investment-strategy">US Long Bond Slump Threatens Revival Of 60/40 Investment Strategy</a>

Got $10,000? Here's Where 6 Wall Street Titans Say You Should Invest

The past week has been a rollercoaster ride in the world of business and finance. From Elon Musk&#8216;s ambitious valuation for Tesla Inc. to skepticism over Tesla&#8217;s robotaxi, the week was filled with intriguing stories. Let&#8217;s dive into the top five stories that made headlines.
Elon Musk&#8217;s Trillion-Dollar Dream
Despite a decline in sales and revenue in the second quarter, Tesla CEO Elon Musk believes a $20 trillion valuation for the electric vehicle giant is achievable. Musk&#8217;s optimism comes amidst dwindling sales across multiple markets.
<a href="https://www.benzinga.com/markets/tech/25/07/46626447/elon-musk-says-20-trillion-valuation-possible-for-tesla-even-as-second-quarter-earnings-show-sales-r">Read the full article here.</a>
Skepticism Over Tesla&#8217;s Robotaxi
Gary Black, The Future Fund LLC's managing director, expressed doubts about the hype surrounding Tesla&#8217;s second supervised robotaxi test in San Francisco. Black questioned the scalability of Tesla&#8217;s Full Self-Driving (FSD) technology on a national level.
<a href="https://www.benzinga.com/markets/tech/25/07/46646636/gary-black-questions-tesla-robotaxi-hype-ahead-of-bay-area-launch-fsd-is-not-fully-autonomous-so-cant-be-scaled-nationally">Read the full article here.</a>
See Also: <a href="https://www.benzinga.com/markets/tech/25/07/46623210/elon-musk-slams-trump-for-axing-subsidies-on-renewable-energy-says-spacex-won-nasa-contracts-by-doing-a-better-job-for-less-money" target="_blank" rel="noreferrer noopener">Elon Musk Slams Trump For Axing Subsidies On Renewable Energy, Says SpaceX Won NASA Contracts ‘By Doing A Better Job For Less Money'</a>
Trump&#8217;s Trade Deal: A Tax On Americans?
Economist Justin Wolfers criticized President Donald Trump's new trade agreement with Japan, arguing that it essentially results in a tax increase for American consumers. Wolfers expressed skepticism about the potential benefits for US auto companies.
<a href="https://www.benzinga.com/markets/macro-economic-events/25/07/46622277/trumps-trade-deal-with-japan-a-tax-on-americans-economist-says-not-remotely-optimistic-us-auto-companies-will-gain-as-toyota-and-honda-stocks-rally">Read the full article here.</a>
GM&#8217;s EV Push
General Motors Co.&nbsp;announced that Chevrolet is now the second-largest electric vehicle brand in the U.S., with Cadillac ranking fifth in luxury EV sales. The company is making a $4 billion factory push to offset Trump tariffs.
<a href="https://www.benzinga.com/markets/equities/25/07/46564633/gm-says-chevy-is-now-the-no-2-ev-brand-in-us-4-billion-factory-push-to-offset-trump-tariffs">Read the full article here.</a>
BYD&#8217;s Sales Slip
Chinese EV giant&nbsp;BYD Co. Ltd.&nbsp;reported an 8% year-over-year slip in Chinese sales during June. The slip in sales comes as rivals like Xiaomi Corp and Xpeng Inc. gain in sales.
<a href="https://www.benzinga.com/markets/asia/25/07/46514949/tesla-rival-byds-domestic-sales-slip-8-in-june-analysts-slash-annual-delivery-projections-amid-ev-price-war-scrutiny">Read the full article here.</a>
Read Next:
<ul class="wp-block-list">
<li><a href="https://www.benzinga.com/markets/tech/25/07/46624776/gary-black-slams-tesla-over-disaster-second-quarter-earnings-says-he-would-pass-on-tsla-stock-calls-robotaxi-launch-kabuki-theater" target="_blank" rel="noreferrer noopener">Gary Black Slams Tesla Over ‘Disaster' Second Quarter Earnings, Says He Would Pass On TSLA Stock, Calls Robotaxi Launch ‘Kabuki Theater'</a></li>
</ul>
This story was generated using <a href="https://www.benzinga.com/author/benzinga-neuro">Benzinga Neuro</a> and edited by <a href="https://www.benzinga.com/author/ananya-gairola" target="_blank" rel="noreferrer noopener">Ananya Gairola</a>
Photo Courtesy: Frederic Legrand &#8211; COMEO On Shutterstock.com

Tech

Elon Musk's Trillion-Dollar Dream, Tesla's Robotaxi Hype, Trump's Trade Deal And GM's EV Push: This Week In Mobility

Microsoft Corp. co‑founder Bill Gates waited 13 years and paid roughly $133,000 in storage penalties to reclaim the Porsche 959 he bought in 1988, a car U.S. customs impounded because it failed to meet federal safety and emissions rules.
What Happened: The twin‑turbo, 200‑mph supercar was then the fastest street‑legal production vehicle in the world, one of just 292 built. According to a 2023 <a href="https://news.dupontregistry.com/porsche/bill-gates-americas-richest-porsche-959/">report</a> by Dupoint Registry, when the silver "Komfort" coupe arrived at the Port of Seattle, Customs officials refused entry because the National Highway Traffic Safety Administration and Environmental Protection Agency had never crash‑tested or certified the model.
Destruction was an option, but officers instead placed the Porsche in a bonded warehouse and levied a $28 daily fee plus a $500 annual bond to keep the title alive. Gates quietly wrote checks for 4,745 consecutive days, a total that reached about $133,580 before lawmakers intervened.
In August 1999, Congress finally added the "Show or Display" clause to the federal code, letting collectors import rare, non‑compliant cars if they drive them fewer than 2,500 miles a year. Two years later, Customs released Gates's 959, and Washington state finally issued plates.
See Also: <a href="https://www.benzinga.com/markets/tech/25/07/46622661/howard-lutnick-says-tiktok-is-going-dark-unless-beijing-agrees-to-hand-it-over-cant-have-chinese-controlon-100-million-american-phones">Howard Lutnick Says TikTok Is &#8216;Going Dark&#8217; Unless Beijing Agrees To Hand It Over: &#8216;Can&#8217;t Have Chinese Control…On 100 Million American Phones&#8217;</a>
Why It Matters: The drawn‑out saga turned the 959 into a celebrity of its own. Hagerty analysts now <a href="https://www.hagerty.com/valuation-tools/porsche/959/1988/1988-porsche-959-komfort">value</a> pristine examples at well north of $1.4 million, making Gates's perseverance a lucrative bet. Gates's standoff also reshaped U.S. import policy. A report by CarBuzz <a href="https://carbuzz.com/features/us-show-or-display-law-bill-gates-porsche-959/">credits</a> the 959 case with inspiring the loophole that now lets American enthusiasts legally register everything from McLaren F1s to Bugatti EB110s.
The billionaire whose net worth tops $124 billion according to the Bloomberg Billionaires Index likes to stay frugal in general, but does enjoy the occasional super luxury splurge.
He <a href="https://www.benzinga.com/startups/24/01/36664032/bill-gates-spent-over-30-million-on-a-book-in-the-1990s-but-he-wears-a-cheap-24-casio-watch">paid $30.8 million in 1994</a> for Leonardo da Vinci's "Codex Leicester" and <a href="https://www.benzinga.com/general/23/11/35592870/bill-gates-flew-economy-class-for-10-years-after-becoming-a-billionaire-now-he-owns-multiple-jets-he">owns Gulfstream G650ER jets</a> and a fleet of luxury cars, yet he still sports an unassuming watch and happily eats McDonald's. The contrast shows how the Microsoft co‑founder prizes intellectual treasure and convenience while keeping many personal tastes down‑to‑earth.
Photo courtesy: Alexandros Michailidis / Shutterstock.com
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Legal

Bill Gates Once Paid $28 A Day For 4,745 Days To Keep His Seized Porsche 959 Alive — The 13 Year Standoff Eventually Got Lawmakers To Bend

These ten large-cap stocks were top performers last week. Are they a&nbsp;<a href="https://www.benzinga.com/trading-ideas" target="_blank" rel="noreferrer noopener">part of your portfolio</a>?
1. Medpace Holdings, Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/MEDP#NASDAQ">MEDP</a>) gained over 137.10% in the last week after the company reported second-quarter earnings per share of $3.10, <a href="https://www.benzinga.com/trading-ideas/movers/25/07/46550726/medspace-stock-is-trading-higher-tuesday-whats-going-on" target="_blank" rel="noreferrer noopener">beating the consensus estimate of $2.97.</a>
2. ICON plc (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/ICLR#NASDAQ">ICLR</a>) increased 30.28% last weekl after the company reported better-than-expected&nbsp;second-quarter&nbsp;financial results and raised its&nbsp;<a href="https://www.benzinga.com/markets/earnings/25/07/46612555/icon-stock-up-after-q2-results-signal-growing-confidence-in-biopharma-recovery" target="_blank" rel="noreferrer noopener">fiscal 2025 sales&nbsp;guidance.</a>
3. West Pharmaceutical Services, Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/WST#NYSE">WST</a>) jumped 24.96% this week after the injectable pharmaceutical packaging and delivery systems company delivered a robust beat on its&nbsp;second-quarter 2025&nbsp;earnings and revenue, while also significantly <a href="https://www.benzinga.com/markets/earnings/25/07/46604599/west-pharma-lifts-outlook-on-surging-glp-1-demand-stock-soars" target="_blank" rel="noreferrer noopener">raising its full-year guidance</a>.
Also Read: <a target="_blank" href="https://www.benzinga.com/etfs/sector-etfs/25/07/46648142/palantir-nvidia-tempus-ai-could-be-pharma-etf-darlings-that-dont-make-pills" rel="noreferrer noopener">Palantir, Nvidia &amp; Tempus AI Could Be Pharma ETF Darlings That Don&#8217;t Make Pills</a>
4. Comfort Systems USA, Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/FIX#NYSE">FIX</a>) gained 24.46% the last week after the company reported better-than-expected Q2 financial results and raised its quarterly <a href="https://www.benzinga.com/pressreleases/25/07/b46616670/comfort-systems-usa-reports-second-quarter-2025-results" target="_blank" rel="noreferrer noopener">dividend from $0.45 to $0.50 per share.</a>
5. IQVIA Holdings, Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/IQV#NYSE">IQV</a>) jumped 23.5% this week after&nbsp;the company reported better-than-expected Q2 financial results and issued FY25 sales<a href="https://www.benzinga.com/pressreleases/25/07/b46539884/iqvia-reports-second-quarter-2025-results" target="_blank" rel="noreferrer noopener"> guidance above estimates.</a>
6. Astera Labs, Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/ALAB#NASDAQ">ALAB</a>) increased 10.18% this week. Jefferies analyst Blayne Curtis maintains Astera Labs with a Buy rating and raises the <a href="https://www.benzinga.com/news/25/07/46520572/galaxy-digital-blaize-holdings-verizon-and-other-big-stocks-moving-higher-on-monday" target="_blank" rel="noreferrer noopener">price forecast from&nbsp;$95&nbsp;to&nbsp;$130.</a>
7. TE Connectivity plc (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/TEL#NYSE">TEL</a>)&nbsp;shares gained 16.72% after the company reported better-than-expected third-quarter<a href="https://www.benzinga.com/markets/market-summary/25/07/46583497/markets-today-trade-deals-trump-japan-eu-wall-street-stocks" target="_blank" rel="noreferrer noopener"> adjusted EPS and sales.</a>
8. Baker Hughes Company (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/BKR#NASDAQ">BKR</a>) increased 14.98% after the company reported<a href="https://www.benzinga.com/pressreleases/25/07/g46560108/baker-hughes-company-announces-second-quarter-2025-results" target="_blank" rel="noreferrer noopener"> better-than-expected Q2 financial results.</a>
9. Thermo Fisher Scientific Inc (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/TMO#NYSE">TMO</a>) stock gained 16.72% after the company reported <a href="https://www.benzinga.com/pressreleases/25/07/b46566528/thermo-fisher-scientific-reports-second-quarter-2025-results" target="_blank" rel="noreferrer noopener">better-than-expected Q2 financial results.</a> Baird maintained an Outperform rating on the stock and raised its price target from $553 to $567. Also, Barclays raised its price target on the stock from $450 to $490.
10. Deckers Outdoor Corporation (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/DECK#NYSE">DECK</a>) stock gained 12.15% this week after it reported <a href="https://www.benzinga.com/analyst-stock-ratings/analyst-color/25/07/46635898/deckers-outdoor-wholesale-drives-q1-beat-tariff-pressure-worries-analysts" target="_blank" rel="noreferrer noopener">better-than-expected Q1 financial results.</a>
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Thermo Fisher, Baker Hughes And IQVIA Holdings Are Among Top 10 Large Cap Gainers Last Week (July 21-July 25): Are The Others In Your Portfolio?

The week was abuzz with major developments in the tech world, particularly in the field of artificial intelligence (AI). From Meta Platforms Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/META#NASDAQ">META</a>) appointing a new chief scientist to China&#8217;s push for a global AI body, and from OpenAI&#8217;s cautionary advice to AI startups to Tesla&#8217;s shareholder proposal on AI investment, and finally, Walmart&#8217;s AI overhaul, the weekend was indeed a rollercoaster ride for tech enthusiasts.
Meta&#8217;s New Chief Scientist
Meta has officially appointed former OpenAI researcher, Shengjia Zhao, as Chief Scientist of its newly formed Superintelligence Labs. The announcement was made by Meta CEO Mark Zuckerberg on Threads, emphasizing Zhao&#8217;s pivotal role in constructing the company&#8217;s new AI unit.
<a href="https://www.benzinga.com/markets/tech/25/07/46647034/mark-zuckerberg-names-openai-veteran-shengjia-zhao-as-chief-scientist-of-meta-superintelligence-labs">Read the full article here.</a>
Global AI Body
Meanwhile, China, amid escalating tensions with the US over tech exports, is advocating for the creation of a global organization to foster international collaboration in AI. The proposal was made by Chinese Premier Li Qiang at the World Artificial Intelligence Conference (WAIC) in Shanghai.
<a href="https://www.benzinga.com/markets/tech/25/07/46647539/china-pushes-for-global-ai-body-amid-rising-tensions-with-us-over-tech-exports-report">Read the full article here.</a>
See Also:&nbsp;<a href="https://benzinga.com/markets/tech/25/07/46571093/elon-musk-wants-50-million-ai-brains-nvidia-still-sets-the-standard" target="_blank" rel="noreferrer noopener">Elon Musk Wants 50 Million AI Brains—Nvidia Still Sets The Standard</a>
OpenAI Chairman&#8217;s Warning
On the other hand, Bret Taylor, chairman of OpenAI, has issued a warning to AI entrepreneurs about the financial strain of developing new AI models. Taylor, who has previously worked with tech giants like Google and Facebook, underscored the significant costs involved in training new AI models.
<a href="https://www.benzinga.com/markets/tech/25/07/46647201/openai-chairman-says-only-tech-giants-can-afford-new-ai-models-startups-should-focus-on-applications">Read the full article here.</a>
Tesla&#8217;s Proposed Investment In xAI
In other news, Tesla Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/TSLA#NASDAQ">TSLA</a>) announced that it has received several shareholder proposals regarding the company&#8217;s potential investment in Elon Musk&#8217;s AI startup, xAI. The statement was shared on X, acknowledging the growing shareholder interest in the proposed investment in Grok&#8217;s parent company.
<a href="https://www.benzinga.com/markets/tech/25/07/46646932/elon-musks-tesla-to-include-shareholder-proposal-on-xai-investment-in-proxy-after-receiving-multiple-requests">Read the full article here.</a>
Walmart&#8217;s AI Agent Strategy
Finally, Walmart Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/WMT#NYSE">WMT</a>) is overhauling its AI agent strategy to enhance the user experience. The company is consolidating its numerous AI agents into four unified "super agents," each designed for a specific group: customers, employees, engineers, and sellers or suppliers.
<a href="https://www.benzinga.com/markets/tech/25/07/46632116/walmarts-bold-ai-overhaul-could-drive-efficiency-margins-and-market-edge">Read the full article here.</a>
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This story was generated using <a href="https://www.benzinga.com/author/benzinga-neuro">Benzinga Neuro</a> and edited by <a href="https://www.benzinga.com/author/Rounak-Jain" target="_blank" rel="noreferrer noopener">Rounak Jain</a>
Photo courtesy: Shutterstock

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Meta's New Chief Scientist, Tesla's Investment In xAI, Global AI Body And More: This Week In AI

These ten large-cap stocks were the worst performers last week. Are they a&nbsp;<a target="_blank" href="https://www.benzinga.com/trading-ideas" rel="noreferrer noopener">part of your portfolio</a>?
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<li>Liberty Broadband Corporation (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/LBRDK#NASDAQ">LBRDK</a>) stock lost 20.50% last week following a second quarter<a href="https://www.benzinga.com/markets/earnings/25/07/46629864/charter-stock-slides-despite-revenue-beat-mobile-gains-offset-by-internet-video-subscriber-losses" target="_blank" rel="noreferrer noopener"> earnings miss from </a><a href="https://www.benzinga.com/markets/earnings/25/07/46629864/charter-stock-slides-despite-revenue-beat-mobile-gains-offset-by-internet-video-subscriber-losses" target="_blank" rel="noreferrer noopener">Charter Communications, Inc.</a><a href="https://www.benzinga.com/markets/earnings/25/07/46629864/charter-stock-slides-despite-revenue-beat-mobile-gains-offset-by-internet-video-subscriber-losses" target="_blank" rel="noreferrer noopener"> (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/CHTR#NASDAQ">CHTR</a>)</a></li>
<li>STMicroelectronics (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/STM#NYSE">STM</a>) shares lost 19.78% last week after the company missed second-quarter earnings estimates and issued third-quarter revenue guidance with a midpoint below estimates.</li>
<li>Charter Communications shares lost 19.77% this week after the company&#8217;s second-quarter earnings per share of $9.18 missed the <a href="https://www.benzinga.com/earnings" target="_blank" rel="noreferrer noopener">analyst consensus estimate of $9.80.</a> Also, the company said it expects a capex of approximately $11.5 billion (prior view $12 billion) versus $11.27 billion in fiscal 2024. </li>
<li>Texas Instruments Incorporated (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/TXN#NASDAQ">TXN</a>) shares lost 15.31% this week after the company <a href="https://www.benzinga.com/trading-ideas/movers/25/07/46581788/texas-instruments-is-trading-lower-wednesday-whats-going-on" target="_blank" rel="noreferrer noopener">reported second-quarter earnings results. </a>Also, multiple analysts lowered the<a href="https://www.benzinga.com/quote/TXN/analyst-ratings" target="_blank" rel="noreferrer noopener"> price forecast on the stock.</a></li>
<li>Fiserv, Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/FI#NYSE">FI</a>) stock lost 14.89% last week after it reported second-quarter financial results. Additionally, the company announced it had entered into an equity purchase agreement to acquire part of TD&#8217;s merchant processing<a href="https://www.benzinga.com/markets/earnings/25/07/46572182/fiserv-stock-tumbles-as-outlook-softens-despite-deal-with-td" target="_blank" rel="noreferrer noopener"> business in Canada</a>.</li>
<li>Circle Internet Group, Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CRCL#NYSE">CRCL</a>) stock lost 15.06% last week after Compass Point downgraded the stock from Neutral to Sell and lowered its price target from $205 to $130.</li>
<li>Chipotle Mexican Grill, Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CMG#NYSE">CMG</a>) decreased 12.81% last week after the company reported worse-than-expected second-quarter sales results. Also, multiple analysts <a href="https://www.benzinga.com/news/restaurants/25/07/46606785/chipotle-mexican-grill-q2-sales-decline-june-july-boost-keeps-analysts-bullish" target="_blank" rel="noreferrer noopener">lowered the price forecast on the stock.</a></li>
<li>Tenet Healthcare Corporation (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/THC#NYSE">THC</a>) stock slumped 12.88% last week as Baird analyst Michael Ha maintained a Neutral rating on it, lowering the price forecast from $195 to $167 after the company <a href="https://www.benzinga.com/pressreleases/25/07/b46539441/tenet-reports-strong-second-quarter-2025-results-raises-2025-financial-outlook" target="_blank" rel="noreferrer noopener">reported second-quarter results</a>. Shares of health insurers traded lower in sympathy with Molina Healthcare Inc (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/MOH#NYSE">MOH</a>), which issued soft guidance. The sector may also be under pressure after UnitedHealth Group Incorporated (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/UNH#NYSE">UNH</a>) said it has now begun complying with the DOJ&#8217;s <a href="https://www.benzinga.com/news/legal/25/07/46605691/unitedhealth-under-federal-scrutiny-reaffirms-integrity-of-its-medicare-operations" target="_blank" rel="noreferrer noopener">formal criminal and civil requests.</a></li>
<li>Teck Resources Ltd (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/TECK#NYSE">TECK</a>) lost 13.73% last week after the company missed second-quarter sales estimates and cut 2025 <a href="https://www.benzinga.com/pressreleases/25/07/g46593291/teck-reports-unaudited-second-quarter-results-for-2025" target="_blank" rel="noreferrer noopener">copper production outlook</a>. Also, multiple analysts lowered the price forecast on the stock.</li>
<li>EQT Corporation (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/EQT#NYSE">EQT</a>) stock fell 9.31% this week after the company reported mixed second-quarter results, with quarterly earnings of 45 cents per share, which beat the analyst consensus estimate of 41 cents. Quarterly revenue came in at $1.59 billion, which missed the <a href="https://www.benzinga.com/markets/earnings/25/07/46560251/eqt-reports-mixed-q2-results-eps-beat-revenues-miss" target="_blank" rel="noreferrer noopener">Street consensus estimate of $1.79 billion.</a></li>
</ol>
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Chipotle Mexican Grill, Charter, And Fiserv Are Among Top 10 Large Cap Losers Last Week (July 21-July 25): Are The Others In Your Portfolio?

Every day, about 11,000 baby boomers <a href="https://www.cbsnews.com/news/retirement-medicare-401k-what-to-know-peak-65/">hit retirement age</a> in the U.S., and the wave of 401(k) withdrawals is starting to gain momentum. That has many younger investors wondering: who's left holding the bag?
<h2 class="wp-block-heading">Wealth Transfer Or Wealth Drain?</h2>
On Reddit's <a href="https://www.reddit.com/r/stocks/comments/1lz23yi/are_millenials_and_gen_x_going_to_be_the_all_time/">r/stocks</a>, one investor sparked a major debate with this post: &#8220;With ~11k Boomers retiring daily, and the 401k spigot about to go on full blast, can&#8217;t help but think how this transfer of wealth unfolds.&#8221;
They raised a concern about whether there will be enough new investment inflows from younger generations to match the outflows from <a href="https://www.benzinga.com/news/topics/25/07/46509130/a-potential-investor-reached-out-to-small-business-owners-asking-what-are-the-best-boring-businesses-to-buy-from-retiring-boomers">boomers selling off their assets</a>. &#8220;Ultimately, Millennials and Gen X &#8230; could be the remaining bag holders,&#8221; the poster suggested. At least, as they say, &#8220;those who were lucky enough to invest meaningfully in 401(k)s and taxable accounts.&#8221;
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But not everyone agrees with that framing.
&#8220;They&#8217;ve been retiring since 2011,&#8221; one person pointed out. &#8220;The stock market has done just fine so far.&#8221;
Another echoed that sentiment, saying, &#8220;There will always be people retiring. The Baby Boomers started retiring 17 years ago&#8230; Why are you so convinced [the market crash] is going to happen now, when nearly all of the Boomers that were capable of retiring already did?&#8221;
<h2 class="wp-block-heading">Wealth Inequality And Inheritance</h2>
Several commenters emphasized that it's not boomers broadly driving the market, it's wealthy boomers. &#8220;Most 401(k) holders &#8230; are also the richest ones,&#8221; one person explained. &#8220;The ones being forced to liquidate and sell don&#8217;t have 401(k)s of a meaningful size. We&#8217;re fine unless the rich people are screwed.&#8221;
Trending: This AI-Powered Trading Platform Has 5,000+ Users, 27 Pending Patents, and a $43.97M Valuation — <a href="https://www.benzinga.com/money/finally-a-fully-automated-trading-platform-for-individual-investors?">You Can Become an Investor for Just $500.25</a>
Then there&#8217;s the question of where that money goes once boomers start drawing it down or pass it on. Some believe it simply recirculates. &#8220;All money comes back to the market one way or another,&#8221; one commenter wrote.
And inheritance is another piece of the puzzle. &#8220;Who do you think is going to inherit all that wealth?&#8221; one investor asked. Others noted that wealthy boomers often advise their kids to stay invested: &#8220;One even told his daughter, never sell this stock, just collect the dividends.&#8221;
<h2 class="wp-block-heading">Healthcare, Housing, And The Real Risks</h2>
But not all that wealth will be passed down. Nursing homes and healthcare costs are taking a bigger bite out of retirement savings than many expect.
&#8220;We spent $350K for my <a href="https://www.benzinga.com/personal-finance/24/07/39712732/i-gave-up-my-inheritance-to-cover-my-moms-nursing-home-expenses-and-didnt-tell-my-wife-am-i-in-t">mom&#8217;s nursing home</a> in a 4.5-year period,&#8221; one person shared. Another added, &#8220;Boomers are spending that money. You need to find out how to harness it.&#8221;
The housing market is another looming issue. Some fear that when boomers pass away and their high-value homes hit the market, younger generations won't be able to afford them. &#8220;Mark my words, one day there will be a <a href="https://www.benzinga.com/markets/25/06/45882885/market-crashing-before-our-eyes-buyers-are-backing-out-of-deals-in-record-numbers-amid-relentlessly">massive crash in the housing market</a>,&#8221; one investor warned.
See Also: 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>.
Still, many commenters argued that structural market shifts, not demographic trends, are the real drivers. &#8220;Markets are not the same anymore,&#8221; one wrote, pointing to algorithmic trading, tech-driven investing, and persistent foreign inflows.
<h2 class="wp-block-heading">Younger Generations Are Still Investing</h2>
Despite these worries, younger Americans are investing more than ever. &#8220;Millennials are <a href="https://www.benzinga.com/personal-finance/24/04/38360903/millennials-think-theyll-retire-at-51-with-500-000-or-less-saved-but-gen-z-is-far-more-realistic">saving for retirement</a> earlier than any previous generation and <a href="https://www.benzinga.com/personal-finance/24/09/40821463/why-gen-z-could-be-way-ahead-in-retirement-savings-with-this-golden-egg-account">Gen Z even earlier</a>,&#8221; one person noted.
For now, there's no clear consensus on whether millennials and Gen X will get stuck holding the bag. But one Redditor may have put it best: &#8220;This has been a claim made every 10 years or so since 401(k)s have been a thing. I wouldn't worry about it.&#8221;
Read Next: Warren Buffett once said, "If you don't find a way to make money while you sleep, you will work until you die."<a href="https://www.benzinga.com/money/warren-buffet-make-money-when-you-sleep"> Here&#8217;s how you can earn passive income with just $10.</a>
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With 11K Baby Boomers Retiring Daily And 401(k) Withdrawals Ramping Up, Are Millennials And Gen X About To Be The Ultimate Bag Holders?

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