Good morning Member

Hello, weekend crew! The weather’s starting to feel a little chilly, and it reminded me of something simple but deeply comforting: A warm, cozy dish on a cold day. So now I’m curious… what’s your favorite kind of soup? Whether you’re into classic chicken noodle, hearty chowder, creamy pumpkin, or something totally unique to your family, come into the forum and share your go-to bowl—I have a feeling we’ll see a delicious mix of classics and cozy surprises. 🍲✨

Let’s dust off a little nostalgia; it’s “Would the Grandkids Know This One?” time! Today’s old-school term: Padiddle.

Drop your answers here for a chance to land in next week’s spotlight—and if you joined last time, check the shout-outs to see if you’re featured! Now, here’s what’s on today’s list: A Social Security shortfall warning, senior phone savings, a major allergy recall, new RMD rules, a $15M settlement, Trader Joe’s return, and more ahead!

News & Finance

• The numbers are in—and Social Security’s finances look more troubling than most realize. How deep is the shortfall, and who will feel it?

• The same joint comfort people chase for months—from one tiny daily habit. No wonder it’s now stocked at Sam’s Club, Costco, Walmart, and Target.*

• Get an iPhone for free—even if your old phone is cracked or barely turns on.* Available with T-Mobile's 55+, Military & First Responder plans.

• Think twice before pouring this over your food! One FDA recall warns that a popular condiment could pose a life-threatening danger.

• Mark your calendars: Retirees are reminded of these 2 Required Minimum Distribution (RMD) changes to avoid costly penalties.

• Players of this mobile game have only weeks left to claim part of a $15M pot, worth cash payouts for thousands. Don’t miss the deadline!

• Heading out today to buy a few things? It’s encouraged to use THIS mode of payment, as it can truly help the people behind the shops you love.

• Member, did you know that you could qualify for a FREE cellphone that most seniors never even hear about?

Editor's Picks

Tasty Treats & Little Wins

• With shoppers buzzing for weeks, Trader Joe’s most-awaited release is finally back on shelves. Snag it before it sells out!

• Wondering what to do with that cranberry sauce from Thanksgiving’s spread? Here’s a tasty way to give it new life.

• Save your food and your budget! These 8 common storage mistakes can make your groceries spoil faster.

• This refreshing, feel-good green juice recipe is the perfect reset after a heavy holiday feast.

Stories Everyone’s Buzzing About

• A longtime American beverage maker has filed for bankruptcy and shut its doors after many decades. Do memories of drinking it still bubble up?

• Regulars swear this is the “perfect hour” to go to Dollar Tree, as it's the best way to score fresh finds with zero crowds. Have you tried it?

• Before you toss those coffee grounds, you might want to try their far better use in the garden!

• Brace yourself for a chuckle: This birthday "potion" story takes a hilarious turn, especially when a tiny grammar slip causes big trouble.

Crash Expert: “This Looks Like 1929” → 70,000 Hedging Here

Mark Spitznagel, who made $1B in a single day during the 2015 flash crash, warns markets are mimicking 1929. Yeah, just another oracle spouting gloom and doom, right?

Vanguard and Goldman Sachs forecast just 5% and 3% annual S&P returns respectively for the next decade (2024-2034).

Bonds? Not much better.

Enough warning signals—what’s something investors can actually do to diversify this week?

Almost no one knows this, but postwar and contemporary art appreciated 11.2% annually with near-zero correlation to equities from 1995–2024, according to Masterworks Data.

And sure… billionaires like Bezos and Gates can make headlines at auction, but what about the rest of us?

Masterworks makes it possible to invest in legendary artworks by Banksy, Basquiat, Picasso, and more – without spending millions.

23 exits. Net annualized returns like 17.6%, 17.8%, and 21.5%. $1.2 billion invested.

Shares in new offerings can sell quickly but…

👉 [My subscribers skip the waitlist].*

_{*Past performance is not indicative of future returns. Important Reg A disclosures: masterworks.com/cd.}

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