📈 Rare Dissent at the Fed

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Good Morning!

The Fed's facing rare internal pushback, Spotify's tanking after a surprise loss, and Meta’s betting big on AI with little short-term payoff. Plus: the dollar’s trying to bounce back, Google’s CEO is buying Apple stock, and we’ve got a fresh look at what really builds wealth.

Grab your Americano and let’s get into it. ☕️ 👇️ 

Former PepsiCo Exec Invented A Plastic That Dissolves in Water

If anyone knows a thing about plastic’s impact on the planet, it’s Manuel Rendon. The former PepsiCo executive and environmental engineer is using his 20 years of expertise to solve one of the world’s biggest problems with Timeplast.

Up to 450 million metric tons of plastic are wasted each year. Microplastics seep into our bodies, and mountains of bottles pile up in the ocean. But Timeplast has patented a water-soluble, time-programmable plastic that vanishes without harming the environment.

Major players are already partnering with Timeplast for its patented technology—their sales grew 6,000% in the first month.

You have just a few days left to invest as Timeplast scales in its $1.3T plastic market, from packaging to 3D printing. Become a Timeplast shareholder by midnight, 7/31.

Invest in Timeplast now.

_{This is a paid advertisement for Timeplast’s Regulation CF Offering. Please read the offering circular at invest.timeplast.com.}

Market News

🤔 Fed expected to hold but two governors may dissent
Two top Fed officials might break ranks this week, Christopher Waller and Michelle Bowman could vote against holding interest rates steady, a rare dissent that hasn’t happened at this level in 30+ years. Why? The U.S. economy’s sending mixed signals. modest growth, steady unemployment, but shaky spending and hiring. Add in whispers about Jerome Powell's 2026 exit and possible Trump-era rate shifts, and you’ve got the makings of a deeper Fed split.

😅 Wall Street's riding high on relief, not results
Wall Street’s rally isn’t about booming profits, it’s about relief. According to strategist Brian Levitt, investors are celebrating the absence of bad news more than strong fundamentals. With rate cuts on the horizon and no major shocks, markets are cruising, but Levitt warns this optimism isn’t backed by earnings strength.

💰️ Meta's year of bold 'superintelligence' bets unlikely to pump profits
Meta’s pouring billions into AI superintelligence, but don’t expect a payday soon. The company’s massive bets on next-gen AI are bold, but analysts say the profits won't follow anytime soon. Most of the money’s going into infrastructure and research, not revenue. For now, it's a long game, and investors might need to stay patient.

This comes as Apple reportedly lost another AI researcher to Meta.

📉 Spotify Stock Hit With 12% Drop After Surprise $100M Loss
Spotify just hit a sour note, shares plunged 12% after a surprise $100M loss and a revenue miss despite recent price hikes. Analysts expected a beat, but Spotify missed the mark, with costs climbing faster than subscribers or ad revenue.

💵 US Dollar Seeks to Snap Six-Month Losing Run
The U.S. dollar’s trying to break a six-month losing streak, and all eyes are on what comes next. Strong economic data and cautious Fed policy could give the greenback a boost, but softer inflation or rate cuts might drag it down again.

Invest & Strategies

🧑‍🎓 ChatGPT introduces Study Mode
OpenAI just launched “Study Mode” in ChatGPT, built to help students learn smarter, not just faster. It breaks down answers step-by-step, encourages active thinking, and avoids just giving solutions. Perfect for problem-solving, test prep, or digging deep into tough topics, without giving answers too quickly.

🍎 Thinking of Buying Apple Stock? You Need to Hear What Google's CEO Just Said
If you're thinking about buying Apple stock, it might help to know what Google's CEO just did. Sundar Pichai recently disclosed a personal investment in Apple, calling it a “great company” and praising its product ecosystem. It's a rare move, one tech giant's CEO backing another with his own money.

🔢 How Much Money Do The Top Income Earners Make?
Think you’re a high earner? The numbers might surprise you. A new breakdown shows just how much you need to make it into the top 10%, 5%, or 1% of U.S. income earners, and it’s higher than most people think.

🚨 The Best Leading Indicator of Wealth
Want to know the best predictor of long-term wealth? It’s not your job title, your degree, or even your stock picks, it’s your savings rate. Nick Maggiulli breaks it down in Of Dollars and Data, showing how consistently setting aside money is a far better indicator of future wealth than income alone. High earners who spend it all often fall behind, while disciplined savers quietly build serious net worth over time. The key insight? Wealth isn’t about what you make, it’s about what you keep.

Best of Twitter

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