The hits keep coming for the Healthcare Diagnostics and Genomics themes.
And the healthcare gold rush continues to generate winner after winner
This week, Adaptive Biotechnologies (ADPT) advanced to a new all-time high. The stock is up 14% over the past month and up 124% over the past year.
Adaptive is a $4.7 billion market cap specialized diagnostics firm whose tests are used to detect and monitor minimal residual disease (MRD) in blood cancers such as multiple myeloma and certain leukemias. Adaptive also performs advanced genetic sequencing analysis to study how the immune system responds to disease and treatments.
Its fellow diagnostics firm, Biodesix (BDSX), recently reached a new high as well. The stock is up 262% over the past year. Biodesix is a $304 million lung-cancer diagnostics firm. It uses blood-based tests that help evaluate suspicious lung nodules and guide treatment.
Two familiar names to Money & Megatrends – genetic testing giants Natera (NTRA) and Illumina (ILMN) – also reached new one-year highs. The stocks are up 152% and 198%, respectively, in 2026.
Thanks to huge advances in next-generation genomic sequencing, all kinds of new screens and tests are being developed, moving the healthcare system from “reactive, one-size-fits-all treatment” to much better “preventative and personalized treatment.”
An ounce of prevention is worth a pound of cure. And advanced genetic testing – that analyzes both the patient and the disorder at a fundamental genetic level – is the current ultimate expression of this axiom.
Natera may be the best large-company example of how this technology is translating into sales. The company’s revenue increased 35.9% in 2025 to $2.31 billion, while tests processed increased about 15% to 3.53 million.
Cancer testing giant Guardant Health (GH) provides another strong example. Revenue increased 33% to $982 million in 2025. Oncology test volume increased 34% to approximately 276,000 tests, while oncology revenue rose 26%.
I worry some readers may tire of reading about these booming healthcare trends. We’ve devoted so much attention to them because they’ve been paying off so well for us. This is where the money is. It’s like the stock market version of what the famed bank robber Willie Sutton said. When asked why he robs banks, Sutton said, “Because that’s where the money is.”
We publish a lot on healthcare because that’s where the money has been for the past year. It’s a trend that is paying us. Given the very large and long-term nature of the Boomer healthcare megatrend, we expect it to continue. Stay bullish on Genomics and Healthcare Diagnostics.
I recently paid $5,000 to be in a room with Elon Musk in Los Angeles. What he’s launching right now could be his biggest move yet (and make you more money than anything he’s done so far). If you buy just one stock in 2026, I urge you to make it the one I’m giving away for free: Get the ticker & full details here.
Are you an AI moron? Take our quiz!
Credit: da-kuk
Are you an AI moron?
Or, do you understand what stock market bubbles look and feel like?
Today, you can take our test and find out if you are an “AI moron” or not.
Don’t worry. It’s the easiest test you’ll ever take.
It’s just one question. And it’s a yes-or-no answer.
But the answer to this test could help you make a lot of money in stocks.
And if you end up getting the answer wrong and find yourself in the “AI moron” category, don’t worry. We can help you get out of it quickly and easily.
Before you take the test, let’s provide some context…
If you’ve been reading Money & Megatrends for the past few weeks, you know we’ve been running a special research series on what we call “the world’s most important trend,” which is the trend of the enormous AI infrastructure boom.
The status of this critical trend has become one of the great sagas of the business and investment world… a source of intense disagreement among industry bulls and bears. It’s a trend whose outcome could have large effects on your portfolio.
Given AI’s enormous promise, large technology firms such as Amazon (AMZN), Meta (META), and Microsoft (MSFT) have invested over $1 trillion in AI infrastructure. They are on pace to invest over $700 billion this year alone and more than $4 trillion after that.
Both the scale and the velocity of this investment boom are unprecedented. It is the largest collective investment effort in history.
Big Tech’s historic investment boom has made the entire “AI infrastructure” trend responsible for a large share of America’s GDP growth and stock market returns over the past two years.
It has also drawn the skeptical scrutiny of many widely followed investment professionals who claim the trend is a bubble… one that will soon explode, and cause tremendous damage to stock prices and the global economy. (Most of these guys have been saying the same thing for two years and missing massive opportunities.)
You probably know where I sit in this debate. I believe the AI infrastructure trend has years to run. I believe the world’s smartest, most connected tech insiders who know the true state of bleeding-edge AI development and have real-time stats on AI investment ROI, such as Elon Musk, Jensen Huang (Nvidia), Satya Nadella (Microsoft) and Andy Jassy (Amazon), could possibly… perhaps maybe… just might… know far more about AI and their businesses than outsiders know about it.
As much press as AI gets, let’s remember that less than 1% of the global population pays for top-tier AI programs. And I estimate less than 10% of large companies believe AI has made a meaningful impact on their businesses.
This revolutionary technology hasn’t yet proliferated, achieved mass adoption, or had mass impact. Yet, as we’ve detailed in past issues, the Total Addressable Market (TAM) for super intelligence across all industries and countries over the next decade is north of $100 trillion.
The true leader of the AI revolution is Nvidia (NVDA).
Nvidia is the world’s largest company and the most consequential AI company.
Nvidia founder and CEO Jensen Huang saw the AI revolution coming before virtually anyone… and positioned his company to benefit. The company’s annual revenue has climbed from $27 billion in fiscal 2023 to $215 billion in fiscal 2026 (which was almost entirely the 2025 calendar year) and is forecasted to grow to around $410 billion in fiscal 2027 (which is almost entirely the 2026 calendar year) and to roughly $675 billion in fiscal 2028 (which is almost entirely the 2027 calendar year).
Nvidia designs a large portion of the world’s most advanced AI semiconductors. It has also used its enormous cash flows to become a key investor in many AI firms… and to become essentially a “central bank of AI,” capable of financing many very large AI companies and initiatives.
Nvidia is not an 800-pound gorilla of AI… but perhaps an 800,000-pound gorilla of AI. Few companies in history have wielded Nvidia’s awesome combination of power, influence, technological expertise, and vast financial resources. If you wanted to argue that zero companies have, I wouldn’t protest.
AI is Nvidia. Nvidia is AI.
Now, as bright as Nvidia’s future is, the stock trades for only about 24 times this year’s estimated earnings and less than 15 times 2027 expected earnings. That’s a relatively low current P/E and forward P/E for any company that is rapidly growing earnings like Nvidia.
The entire market has looked at the AI boom, evaluated its future prospects, and collectively awarded Nvidia … a multiple often placed on middling fast-food chains. Too many people running large investment funds believe the AI boom will slow down, so they refuse to “pay up” for this leader. Too many people believe Nvidia’s earnings will decline substantially soon.
This brings us to our one question test:
Do you think AI is in a bubble?
Think about it for a few seconds.
Okay, if you answered YES, then you are an AI moron.
Or, you are at least terribly misinformed about what the word “bubble” means when used in an economic or stock market context.
As mentioned above, many high-profile investment professionals proclaim “AI is a bubble” every time they get within five feet of a microphone, keyboard, or video camera.
They see the historic amounts of infrastructure spending, the borrowing by big tech firms to fund some of it, the big AI claims, and the enormous stock returns produced by AI companies and say, “AI is a bubble.”
Hmm.
I’ve lived and traded through a bubble. I’ve studied history. And I can tell you this is not a bubble. It does not feel like one. It does not look like one. It is not one.
A financial bubble occurs when widespread speculative fever grips a large portion of society, and the price of an asset, such as stocks, rises far beyond its economic utility and far beyond feasible growth forecasts.
Bubbles are typically fueled by unbridled optimism and a nearly nationwide speculative fever. In a bubble, virtually every time the bubble asset is featured on TV, newspapers, or magazines, it is highly favorable coverage that asks NOT IF it’s going to go up, only “HOW MUCH” it is going to go up. In a bubble, extraordinary expectations are taken for granted.
One of the “must have” attributes a market must have to be accurately labeled as a bubble is widespread “fever-like” bullishness among people who normally don’t invest or play the stock market.
The legendary Joe Kennedy famously provided the salient example of this. According to Wall Street legend, Kennedy knew speculation had reached dangerous levels before the 1929 crash when his shoeshine boy began giving him stock tips. In modern times, it’s when taxi drivers, Uber drivers, and bartenders give you tips and trade stocks or crypto on their phones as they work. Again, a nationwide fever. Extreme froth.
Sure, there are skeptics of the bubble, but most people talking about it are bullish.
Another “must have” hallmark of a bubble is that speculative fever drives companies in the industry to insane valuations. For example, both Cisco and Qualcomm traded for over 100 times forecasted earnings in 2000. At the height of the Japanese stock bubble of the 1980s, the entire index traded for around 60 times earnings.
Okay. With the defining features of a bubble in mind, I ask you, How in the hell can AI be in a bubble when AI’s “poster child” – the #1 most consequential AI stock – is trading for less than 15 times next year’s expected earnings?
Has the AI bubble crowd read a single financial history book?
Do they have AI Derangement Syndrome?
Did they hit their heads on something and forget what “bubble” means?
Did they mean to say “AI will double” instead of “AI bubble”?
Instead of nationwide fever, unbridled optimism, and absurdly expensive market leaders, we see a lot of the opposite right now.
Right now, we see:
Massive opposition to AI data centers
Massive distrust of AI leaders such as Dario Amodei of Anthropic.
Massive skepticism of AI infrastructure investment ROI.
Massive worry over “AI will kill us all.”
Massive worry over AI taking jobs.
The most consequential, highest profile “poster child” AI stock trading for about 15 times next year’s estimated earnings.
These are not the characteristics of a bubble. So, when you say AI is in a bubble, you sound like a moron. I’m sorry.
The talking head that says AI is a bubble may reply to my assertion by saying the AI infrastructure boom is a bubble, not necessarily the AI stocks. Or they will say there’s a bubble in a handful of overvalued companies, such as OpenAI or the compute provider CoreWeave.
If that’s how you feel, then make that distinction. Because when you make the blanket statement that “AI is in a bubble,” you sound like a moron. You sound like someone who doesn’t know what “bubble” even means when applied to stocks.
You cannot be in a bubble when the most consequential stock in the industry is trading for 15 times next year’s expected earnings. An industry cannot be in a bubble (aka “mania”) when a giant portion of the population is not only avoiding investing in it but openly detests it!
The taxi driver and the bartender are not passing along AI stock tips.
They hate AI!
They think AI is going to kill us all.
To be clear, AI infrastructure stocks do not need to be in a bubble to trade sideways or drop 30%. I’m not saying AI stocks can’t or won’t go down from here. They can. But being vulnerable to a decline is not remotely the same as being in a bubble.
Will the AI trade ever form a bubble?
I hope so. The ride up will be full of opportunity. Plus, bubbles create enormous market distortions, extremes, and opportunities. Plus, they are entertaining. I like to see people do insane things as long as I’m watching from a distance or on a big-screen TV.
However, we are not in bubble territory right now. Sure, there are pockets of high valuation. Sure, there are some aggressive and leveraged companies that will fail. Of course. That happens in every garden-variety boom.
But there is no nationwide speculative fever.
There is no mania driving taxi drivers and shoeshine boys to issue stock tips.
When Nvidia starts trading for 80 times forecasted earnings, give me a call, and we’ll talk bubbles. I will agree with you. But for now, if you’re saying, “AI is a bubble,” stop being a moron.
Market Notes
A good sign for the AI infrastructure trade: Semiconductor leader Advanced Micro Devices (AMD) hit an all-time high and is now a $1 trillion company.
Clothing and footwear giant Nike (NKE) reached a new one-year low today.
Food and beverage giant Pepsico (PEP) reached a new one-year low today.
Elevator giant Otis Worldwide (OTIS) reached a new one-year low today.
Alcoholic beverage giant Constellation Brands (STZ) reached a new one-year low today.
Grocery store giant Sprouts Farmers Market (SFM) reached a new one-year low today.
Home improvement and building materials giant Lowes (LOW) reached a new one-year low today.
Wall Street Legend: “I’ve discovered a fatal flaw built into Elon’s AI model”
60-year Wall Street legend Marc Chaikin has discovered a fatal flaw built into Elon’s AI model and every AI frontier model on earth… and says the race to fix it could send one obscure stock soaring. Right now, behind a high-security fence in rural Tennessee, the U.S. government is quickly working to solve it by building a new form of AI – what Marc calls “Sovereign AI.” He believes it could trigger a $248 trillion boom, 56x bigger than today’s AI market.
This new catalyst could send Bitcoin much higher from here
An important new development for “the world’s most important trend”
How to invest in AI and robotics… with one great company
Learn our Top Themes to buy now
This new catalyst could send Bitcoin much higher from here
Credit: Vertigo3d
We drew a line in the sand for Bitcoin. And it didn’t take long to cross it.
Now, the world’s leading form of “digital gold” is in a bull market by our reckoning.
Back in March, we wrote a bullish research note on how we believed Bitcoin had reached an important bottom.
And earlier this month, we noted that if Bitcoin cleared the $82,500 level and reached a new six-month high, it would signal that Bitcoin is back in a bull market… which could attract billions in new buying and send it north of $100,000 per coin. This would, in turn, help drive adjacent bull markets in blockchain-based stablecoin and tokenization trends.
It didn’t take long for Bitcoin to challenge our key $82,500 level and leave it in the dust. On Monday, Bitcoin rallied past that level to reach $86,000, a new 10-month high. This is a huge change in market climate compared to earlier this year.
After reaching an all-time high of around $125,000 last October, Bitcoin entered a brutal bear market, declining by about 48% to the mid-$60,000 range.
Crypto specialists attributed this decline to the U.S. government withdrawing liquidity from financial markets, as well as to gold and AI trades drawing money flows that could have been directed toward Bitcoin.
Most long-term Bitcoin believers see it as a “store of value” that should maintain its purchasing power like gold and beachfront homes do. It should be a digital form of “hard money.” Sounds great.
However, from October 2025 to February 2026, Bitcoin traded more like a failing technology company than anything you’d call strong and stable.
In March, Bitcoin’s trading behavior changed significantly. It formed a bottom and gained 9.5% in one month, while technology stocks dropped and gold gained just 3.2%.
Importantly, Bitcoin outperformed stocks and gold as Operation Epic Fury created tremendous market volatility and hammered many sectors of the stock market. It was a “port in the storm.”
Importantly, Bitcoin recently rallied above its long-term 200-day moving average. This is a good sign of an improving health trend.
Remember what we say about the 200-day moving average around here: Securities below their 200-day moving average are on the wrong side of the tracks. It’s the ugly part of town. All the really bad things happen below the 200-day moving average. Bitcoin has broken above it.
Bitcoin has not only rallied over the past month but has also done so while the CLARITY Act failed to pass Congress. Many industry specialists believed a “pass” of this bill was bullish and a “fail” was bearish. Well, it failed to pass. And yet, bitcoin kept rising.
So, after a year of disappointing believers, has Bitcoin regained its place as a “store of value”?
Is it ready to be a “port in the storm” and a stabilizing component of serious portfolios?
I believe that is the case.
As you can see in the chart below, Bitcoin recently cleared the $82,5000 level and reached a new 10-month high.
As noted above, I believe this break is a signal to the market that Bitcoin is back in a bull market… which will draw in billions of dollars in new buying and send it north of $100,000 per coin. This will be bullish for the bull markets in blockchain-based stablecoins and tokenization. Let the money flow begin!
Whether you lose thousands… Or potentially make more money than you have since the first days of the AI boom… Depends on whether you’re able to make ONE simple move in the final days of September. Louis Navellier and Marc Chaikin – who predicted every market crash of the past four decades – are calling for a dramatic market event with a 92% historical chance of hitting U.S. stocks before the midterms. They’ll share the exact day this event could ignite a firestorm through the market, and the ONE urgent move you need to make with your money BEFORE it arrives, during Midterm Mayhem on Tuesday, September 29. Click here to reserve your spot.
An important new development for “the world’s most important trend”
Credit: KanawatTH
In yesterday’s issue, we looked at the fresh all-time highs reached by the Roundhill Magnificent Seven ETF (MAGS) and noted the move was a bullish new development for the AI infrastructure trade, which we’ve labeled “the world’s most important trend.”
MAGS is the largest ETF designed to give investors exposure to the “Magnificent 7,” a group of dominant technology firms comprised of Nvidia (NVDA), Microsoft (MSFT), Alphabet (GOOG), Tesla (TSLA), Amazon (AMZN), Apple (AAPL), and Meta (META).
Together, these firms are worth about $25 trillion and make up roughly 31% of the benchmark S&P 500. This group includes nearly all the “hyperscalers” leading the AI revolution. It plays a central role in the AI infrastructure trend. And much to the disappointment of AI bears, the group just reached a new all-time high.
But this move wasn’t the only hugely positive development for AI infrastructure this week. On Monday, the giant of AI memory – Micron (MU) – broke out of a sideways consolidation pattern and reached its highest point since early July. This is a big deal.
Over the past two months, we’ve published a special series of research notes analyzing the AI infrastructure megatrend.
The status of this critical trend has become one of the great sagas of the business and investment world… a source of intense disagreement among industry bulls and bears. It’s a trend whose outcome could have large effects on your portfolio.
Given AI’s enormous promise, the firms above have invested over $1 trillion in AI infrastructure. They are on pace to invest over $700 billion this year alone and more than $4 trillion after that.
Both the scale and the velocity of this investment boom are unprecedented. It is the largest collective investment effort in history.
Big Tech’s historic investment boom has made the entire “AI infrastructure” trend responsible for a large share of America’s GDP growth and stock market returns over the past two years. It has also drawn the skeptical scrutiny of many widely followed investment analysts who claim the trend is a bubble… one that will soon explode and cause tremendous damage to stock prices and the global economy.
If this hugely consequential trend isn’t the most important trend in the stock market, then it is certainly in the top three.
I believe the AI infrastructure trend has years to run. I believe the world’s smartest, most connected tech insiders who know the true state of bleeding-edge AI development and have real-time stats on AI investment ROI, such as Elon Musk, Jensen Huang (Nvidia), Satya Nadella (Microsoft) and Andy Jassy (Amazon), could possibly… perhaps maybe… just might… know far more about AI and their businesses than outsiders know about it.
As much press as AI gets, let’s remember that less than 1% of the global population pays for top-tier AI programs. And I estimate less than 10% of large companies believe AI has made a meaningful impact on their businesses.
This revolutionary technology hasn’t yet proliferated, achieved mass adoption, or had mass impact.
Over the past few months, we have analyzed price action in critical areas of the AI infrastructure trade – including the VanEck Semiconductor ETF (SMH) and optical networking stocks such as Lumentum (LITE) – to guide our trading. The trend in computer memory stocks such as Micron is another key aspect of AI infrastructure we must analyze.
Memory chips are a critical part of AI data centers because AI systems constantly require large amounts of data to perform their tasks. Think of memory as the information sitting within easy reach of an AI chip. The faster the memory, the faster powerful AI chips can get the data they need. As AI models get bigger and smarter, they need more and faster memory to keep up.
Micron is America’s largest memory chip maker. Along with South Korea’s Samsung and SK Hynix, it is one of the “big three” global memory chip makers. The state of Micron is essentially the state of the memory business.
The massive AI infrastructure buildout has been a boon to Micron’s business. Micron revenue grew 49% in fiscal 2025, and the stock soared over 950% from June 1, 2025, to June 1, 2026.
Since reaching a high in June, Micron’s stock has moved in line with the semiconductor sector, which we’ve been tracking closely.
As you can see in the one-year chart below, Micron declined from its June high and entered a directionless sideways consolidation. On Monday, the stock surged 2.77% and broke out of this sideways pattern to reach its highest point since June. Importantly, another AI infrastructure giant – Marvell Technology (MRVL) – did the same.
These new short-term highs by themselves are not “all clear, full speed ahead” signals for the world’s most important trend. But when you pair them with new all-time highs for MAGS, you see the weight of the evidence is tilting bullish for the AI infrastructure trade.
How to invest in AI and robotics… with one great company
Credit: OGULCAN AKSOY
If you look under the hood of the Magnificent 7’s rally to new all-time highs (detailed above), you see a large portion of it is attributable to a large upside move in Meta (META). The stock has gained 22% over the past two weeks, a phenomenal move for a megacap stock.
This move makes our bullish July 31 call on the stock a big winner. In that research note, we detailed how Meta was badly oversold, represented growth at a reasonable price, and would draw large amounts of buying from institutional money managers.
It didn’t take long for this thesis to deliver value. Meta stock is up 39% in less than two months, which is a tremendous 268% annualized pace.
“Great Hunt, but that’s in the past. What’s the next good big tech trade?”
I believe the answer to that question is a stock I’ve called “the best way to invest in AI and robotics at the same time” – Amazon (AMZN).
Avid Money & Megatrends readers know that we believe AI and robotics are two of the biggest business and investment trends of the 21st century. They will revolutionize the way we live as much as electricity or the automobile did…. while creating huge stock market winners along the way.
Tech giant Amazon is uniquely positioned to benefit from both technologies.
Although everyone knows about Amazon, the online retailer, and almost everyone is a customer, most people don’t know about Amazon, the giant employer of robots.
Last June, Amazon announced it had deployed its 1 millionth robot across its business. It describes itself as the world’s largest manufacturer and operator of mobile robotics.
Amazon operates more than 1,000 warehouses in the U.S. It ships millions of packages across millions of miles every month. This blizzard of activity can become more efficient and profitable with AI-enhanced logistics and robots that don’t complain, don’t take coffee breaks, and don’t ask for raises.
In other words, Amazon is uniquely well-suited to benefit from a megatrend in which robots will become cheaper, faster, more dexterous, more durable, and smarter soon.
Amazon is also heavily involved in AI. It owns equity stakes in AI leaders OpenAI and Anthropic. Plus, its huge AWS cloud computing division is benefiting from skyrocketing demand for AI compute. In Q2 2026, AWS generated $42 billion in quarterly revenue and 37% year-over-year growth.
AWS profit growth is also incredible. AWS’s operating income rose 64% YoY to $16.6 billion, with its operating margin reaching 39.4%, versus 32.9% a year earlier. AWS is now running at roughly a $169 billion annualized revenue rate
Add these robotics and AI assets to the world’s largest online retail business, and you get a pretty good bet on the future of technology in one stock.
Plus, a “back of the envelope” valuation analysis says you get all the growth and potential detailed above for a reasonable price.
Our conservative estimate of AWS value is around $1.5 trillion. Bank of America analysts recently estimated its value at roughly $1.9 trillion. From what we can decipher from Goldman Sach’s research, it has a roughly similar estimate of AWS value.
Now here’s where it gets interesting. Let’s break down Amazon’s E-commerce and Amazon’s Digital Ads business separately:
E-Commerce: Amazon’s annual revenue run rate in retail is currently $547 billion. Comparable retail businesses often trade at 1x–1.8x sales, which implies an approximate valuation of around $800 billion.
Digital Advertising: FY26 revenue is north of $80 billion, with operating margins likely above 50%, resulting in an operating income of $40 billion. At a conservative 20x EBIT multiple, we have an $800 billion business there alone.
Between AWS, E-Commerce, and Digital Advertising, you get to $3.1 trillion in value… which is more than Amazon’s current market cap of $2.7 trillion.
Also consider that Amazon’s combined stake in OpenAI and Anthropic is worth around $240 billion right now. Then there’s…
Amazon Prime Video
Zoox: Amazon’s autonomous vehicle bet.
Project Kuiper: Amazon’s satellite internet initiative taking on Starlink.
One Medical: Amazon’s primary care business
And then add on the fact that Amazon is “still in the early stages of how we’ll leverage robotics” as per CEO Andy Jassy.
With approximately 800,000 warehouse and delivery employees, even a modest improvement in operating efficiency from automation can produce billions of dollars of extra free cash flow at Amazon’s scale.
In other words, there’s a lot to like about Amazon’s growth prospects. And as we’ve detailed above, the current valuation is not excessive. It leaves plenty of upside should Amazon build on its momentum and execute on its plans. History shows that’s a bet worth making.
Market Notes
Our recommendation to invest in the genomics megatrend continues to pay off. Sector leaders Twist Bioscience (TWST), Natera (NTRA), and 10X Genomics (TXG) reached new all-time highs today. Twist is up 415% since our bullish note. 10X is up 578%. Natera is up 123%.
The tech-focused Nasdaq 100 ETF (QQQ) advanced to a new three-month high today.
The widely followed and aggressive technology ARK Innovation ETF (ARKK) reached a new 10-month high today.
Tech supergiant Apple (AAPL) reached a new all-time high today.
You won’t hear about this from CNBC, Forbes or the Wall Street Journal. But Donald Trump has committed $1 billion in support for an obscure AI stock… A company helping to unleash a whole new category of Artificial Intelligence. Louis Navellier and his team have spent months researching this opportunity. He even traveled to Mar-a-Lago several times, personally. And he anticipates a potential announcement from this company on or before Sept. 29th. That’s why he’s encouraging his readers to buy the stock now – before that date.
Update – September 21, 2026: Since this article discussing what’s coming for white-collar workers and investors in America was originally published in April, several major developments have happened with AI that you should be aware of…
First, the white-collar layoff wave that we detailed here has only grown stronger in recent months. AI was the leading reason given for layoffs for a record five months straight… beginning in April, when we first published this guide, through July. And it remains the leading reason for layoffs so far in 2026. Already this year, more than 100,000 Americans have been laid off thanks to AI.
The corporate examples keep piling up. Uber (UBER) plans to eliminate more than 3,000 roles… Microsoft (MSFT) laid off nearly 5,000 employees… Oracle (ORCL) has axed more than 20,000… British American Tobacco (BTI) is cutting 9,000 as it tries to become “more digital and AI-focused”… and dozens of other tech companies are shedding double-digit percentages of employees thanks to AI-focused restructuring.
Nonetheless, investors are still early to this story… The “ripping point” gap that we’ve detailed below is widening. And AI is only getting smarter. The next six months will likely create more wealth than the last 100 years combined. But only for those who are prepared.
The rest of this guide has been updated to reflect these developments…
Days ago, Wall Street veteran Whitney Tilson started sounding an alarm.
He calls it America’s “ripping point.” And if you haven’t heard the term yet, you soon will.
Whitney is the man who CNBC once dubbed “The Prophet” for his string of eerily accurate market calls. And now, he says the country is entering a stretch of upheaval unlike anything he has seen during his career.
It’s all due to artificial intelligence (“AI”)… and it’s beginning to tear the economic fabric of the nation apart.
AI will create massive new fortunes for a small group of people, while ripping away the livelihoods and security of millions of others. Already, white-collar workers like lawyers, analysts, consultants, managers, and software engineers are watching AI creep into their jobs… and wondering for how much longer they’ll still have a job.
You’ll see another tech layoff in the headlines soon. And another after that. You’ll see hundreds more as Whitney’s ripping point prediction plays out.
I’m concerned that our whole way of life is being swept away in front of our eyes…
Hundreds of thousands of people are losing their jobs. Violent swings are battering the stock market. Entire industries are collapsing around us.
I’m not only worried for older folks like me. I have three beautiful daughters. And it feels like their future gets more unstable with every passing day.
It’s not just because of the extreme political division or violent protests that seem to be a regular part of our lives now. I mean the deeper change that we can all feel.
We’re living through a permanent reset in our economy. It’s making the world – the one our children are going to inherit – deeply unstable.
He wrote that in March… For the next five months in a row, AI led as the reason for job cuts according to outplacement firm Challenger, Gray & Christmas. And so far, they report that more than 100,000 people this year alone have been laid off thanks to AI.
Looking ahead, Whitney’s “ripping point” prediction will affect every American with a 401(k) or retirement account. And it comes down to three core ideas.
First, America has hit a societal and economic breaking point.
One group of Americans is using AI to race toward new wealth – or simply to grow their current wealth. But another group is sliding into financial insecurity. And the gap between them is growing fast.
A key measure of wealth concentration called the Gini coefficient sits at 60-year highs according to a report from U.S. Bank, and terms like the “K-shaped economy” are now commonplace.
“This is not a cyclical or temporary phenomena,” said Mark Zandi, chief economist at Moody’s Analytics. “This is a structural, fundamental issue.”
Federal Reserve data shows that the top 1% in America now control nearly one-third of the nation’s wealth. The bottom half of the U.S. population, on the other hand, controls less than 3%.
And white-collar hiring keeps shrinking… Core office sectors have been cutting jobs for three straight years now, according to the Bureau of Labor Statistics.
Social unrest is growing. Debt is ballooning. Political extremism is spreading.
For a wide swath of the population, the American dream is getting harder to even imagine, much less attain.
Second, Whitney believes the AI revolution is the primary force behind this American fracture.
AI adoption is advancing much faster than most people expected.
So, even as traditional white-collar roles and entire business models are getting gutted, new fortunes are also being built at a speed we have never seen before.
But what you might not know is that Stansberry Research, the publishing firm where Whitney hangs his hat, actually initiated coverage of Nvidia back in 2004 at a split-adjusted price of about $0.12 per share, listing it as their No. 1 buy.
Nvidia is up more than 150,000% from that initial coverage. And subscribers had multiple opportunities to buy in along the way, including right before it went on its recent tear.
The opportunities Whitney is spotting today could be just as powerful for your portfolio.
That’s why the final part of Whitney’s prediction is so important.
There is a way forward for everyday Americans, using AI in their investing instead of being afraid of it. He has helped build an AI-powered investing system specifically designed as a financial life raft for those folks willing to grab hold.
The system uses AI to crunch financial data on thousands of publicly traded companies and identify the stocks most likely to outperform. In back testing, the approach beat the S&P 500 Index, bonds, gold, and even Warren Buffett’s Berkshire Hathaway (BRK.B) over recent years.
We’ll examine each of these three ideas here today. But if you read nothing else, you should at least know Whitney’s core recommendation: Stop fearing AI, and start using it.
The American Ripping Point: A Tale of Two Economies
Whitney believes the United States has split into “Two Americas.” And this divide is reaching a “ripping point.”
By that, he means the gap between those who are thriving and those who are struggling has gotten so wide that it no longer feels like a gap. It feels like a tear.
On one side are people riding booming asset prices, cashing in on new technology, and watching their portfolios grow. On the other side are people dealing with stagnant wages, climbing costs, and a gnawing sense that they are falling behind for good.
Economists have a name for this pattern: The “K-shaped economy.”
Picture the letter K on a chart. One arm shoots upward. That is the segment of the population doing well – rising incomes, growing net worth, and expanding opportunity. The other arm falls downward. Those are the folks losing ground.
Morgan Stanley Wealth Management’s Lisa Shalett has increasingly been sounding the alarm from her perch as chief investment officer. She told Fortune in an October 2025 interview, “The income inequality stuff is really getting like completely wackadoo,” specifically citing Zandi’s research: “That means 90% of the country is only half the consumption, I mean holy cannoli.”
Now, Whitney says the K-shaped economy has started to rip. And one of the clearest signs is white-collar job losses.
Of course, people are clever. We’ll create other interesting, human jobs in new industries. But it’s going to take time.
In [our previous] doom-loop article, we gave the example of the 50-year period during the early Industrial Revolution when GDP growth exploded, but workers’ wages stagnated for half a century. All the gains went to capital owners.
That could absolutely happen again today.
And if it does, it will be devastating for American workers, especially for anyone who currently sits at a desk.
Using data from the Bureau of Labor Statistics, Axios reports that core white-collar employment – sectors like finance, insurance, information, and professional services – has fallen for three straight years.
For context, from 2010 to 2019, these sectors added an average of 569,000 jobs a year. In the last three years, they’ve lost an average of 191,000 jobs a year.
These sectors account for more than 40% of U.S. GDP and 20% of U.S. employment.
When the economy is expanding, these jobs have historically grown in size. These were the “safe” jobs. The desk jobs parents told their kids to get. The ones that were supposed to be recession-proof. Today, they’re disappearing.
That would be roughly 22 million Americans, suddenly out of work…
Already, social tensions are boiling over in America. What do you think will happen when millions more Americans find themselves jobless, thanks in large part to AI?
In addition, monetary policy is now squeezing the lower arm of the K even harder… Last week, the Federal Reserve raised its benchmark rate for the first time since July 2023. And most analysts expect more rate hikes to come.
Higher rates mean pricier mortgages, car loans, and credit-card balances for households already falling behind, even as asset owners in the upper K keep riding the AI boom.
America is living through a foundational shift. We stand at the beginning of a new era. But for that era to begin, the old era must end. And a huge portion of the population risks being left behind.
Whitney compares this moment to earlier transformative periods, like the advent of railroads or the arrival of electricity. These were times that reshaped society in a generation, exactly as AI is doing today.
The AI Revolution’s Winners and Losers
If Whitney’s ripping-point prediction describes what is happening to America today, then AI explains why it is happening so fast.
Whitney calls AI the most destructive and creative economic force of our lifetimes. And it certainly looks that way.
For 45 years, it has been one of the biggest consulting firms in the world and has thousands of staff worldwide. It’s the whitest of white-collar firms.
And yet, it took just months to wipe out HALF of its market value, including a 31% one-day plunge in February.
Companies that were once pillars of finance, analytics, and consulting have all gotten hit as investors realize AI can replicate some or much of what these firms do.
In finance and law, the early signs are already showing up. Junior analysts and attorneys face replacement by AI that drafts reports or contracts in seconds.
For example, Goldman Sachs’ CEO David Solomon noted last year that AI can now draft 95% of an IPO prospectus in minutes. That task once took a six-person team working on it for two weeks. In other words, some 480 hours of highly compensated human effort can now be done in maybe 20 minutes by AI.
Today, Goldman employs some 11,000 engineers, largely to push forward on AI initiatives.
Or take language-learning app Duolingo (DUOL). Whitney continues,
The language-learning app was once a darling of the AI world. In fact, its CEO publicly pushed an “AI-first” strategy.
But now?
It turns out any off-the-shelf AI system can do what Duolingo’s software does.
The stock collapsed 75% in less than a year.
Why pay a premium for a company whose competitive advantage just evaporated?
This goes far beyond a handful of companies.
If a business depends on information brokerage, routine data analysis, content creation, or any repeatable cognitive task, it is in trouble.
And if your job depends on something similar, that, too, is in trouble.
Amazon CEO Andy Jassy warned employees last summer that AI would reduce the corporate workforce “in the coming years.” Sure enough, a few months later, Amazon announced plans to fire some 30,000 white-collar office workers in two waves.
Amazon’s corporate layoff is an early sign of what’s coming to other large tech companies. Back in 2022, Amazon was also the first mover – laying off 27,000 over several months. It was quickly followed by dozens of other well-known tech companies, shedding tens of thousands of their own employees. Expect to see plenty more folks purged in the months ahead as tech companies refocus their spending from salaries to AI compute.
AI will ultimately replace millions of jobs. The current layoffs are only the beginning.
And when it starts happening in earnest, it won’t be a gradual change. It will be sudden.
After all, companies have already been cutting jobs despite solid economic growth to increase efficiencies and squeeze more output from fewer workers. The latest AI capabilities are just accelerating a trend already in motion.
The same wave that is crushing some companies is sending other businesses into orbit.
Semiconductor firms that supply the chips and equipment AI runs on, like Micron Technology (MU) and Lam Research (LRCX), have seen their stocks soar.
And then there is Nvidia. Long before the stock was on most of Wall Street’s radar, Stansberry Research subscribers were tipped off to the role Nvidia would soon play in artificial intelligence.
When machines begin learning for themselves, it will be a watershed moment in human history. And these “artificial brains” will bring huge profits to early investors.
And although Nvidia is a well-known tech company, nobody on Wall Street is betting on artificial brains as a business segment.
Sure enough, Nvidia shares have soared in the years since.
It isn’t just the chipmakers. The established tech giants keep leaning on AI to widen their lead. When Alphabet (GOOGL) and Meta Platforms (META) reported earnings this spring, both posted blowout numbers… even as they poured tens of billions more into AI. As Whitney noted:
Management is smart to spend however much it takes to win the AI race. Established companies like Alphabet, Meta, Amazon, and Microsoft (MSFT) can leverage AI to grow their dominant businesses.
What is happening in the market right now is a massive rotation of capital. Money is flowing out of firms threatened by AI, and into firms building or powering AI.
Whitney cites Massachusetts Institute of Technology research, noting that going back over 100 years of data, wealth has never been created at this size and speed. Think about that. Not during the dot-com boom. Not during the post-war industrial expansion. Not during the Roaring ’20s.
Yet most Americans are missing out.
Many investors never owned these stocks. Or they bailed out early when things got volatile. And the workers losing their jobs? They are probably not sharing in the stock market’s gains.
This feeds directly back into the K-shape economy we talked about earlier. The upper arm accelerates because of AI. The lower arm falls faster because of AI.
Imagine the progress of the entire 20th century compressed into a single decade. That’s what insiders say is happening now.
That kind of growth is almost impossible for the human brain to comprehend.
But think about it like this…
The world economy grew 19-fold in the 20th century.
If the economy grew at that pace in the next century, it would create hundreds of trillions of dollars in new wealth every year.
And it’s beginning, right now. You can feel it. The pace of change is picking up. The next six months will define everything.
Anthropic, valued at nearly $1 trillion earlier this year, confidentially filed its IPO prospectus in June and has been widely expected to list as soon as next month. Some investors have discussed a valuation approaching $2 trillion, which would rank it among the most highly valued companies ever to enter public markets.
OpenAI is going the other way. Altman said in a September 12 interview that “right now would be an ill-advised moment to go public,” and the company now targets 2027.
Either way, new fortunes are being built right now… exactly the wealth creation Whitney describes in his latest prediction.
That stark divide sets up Whitney’s third idea. How can regular investors get themselves on the right side and use AI for their own investing?
Harnessing AI for Investors With the New Engine of Wealth System
At the center of Whitney’s plan for regular investors is his firm’s AI-powered investing system: The N.E.W. System, short for “New Engine of Wealth.”
The core question it tries to answer: How can everyday investors come out ahead in an era dominated by AI and rapid disruption?
Here is how it works.
The N.E.W. System is an AI-driven, fully allocated model investment portfolio.
It’s the end product of more than a decade of research and development, involving dozens of coders, developers, and research staff – and costing millions of dollars.
It uses artificial intelligence to analyze financial data on more than 5,000 publicly traded companies. Then it identifies a mix of investments with the highest chance of delivering strong returns, while dodging the big losers.
Think of it as a “best of the best” portfolio assembled with more computing power and analytical rigor than most individual investors could manage alone.
Whitney’s team built it by feeding an AI vast amounts of data and running simulations. Trillions of possible outcomes. Different market conditions. Bull markets, crashes, sideways grinds. The AI searched for patterns and combinations of stocks that held up across all of them.
The result is a model investment portfolio that gets updated quarterly. And Whitney’s team vets every pick before it goes out to subscribers.
That last part matters. This is not a robot on autopilot. Whitney and a committee of human analysts review each recommendation – checking for statistical flukes, real-world factors the algorithm might miss, and anything that does not pass the common-sense test. Investors aren’t blindly following a computer.
Of course, nobody can guarantee future returns. But the back-tested track record is striking.
The strategy would have beaten the S&P 500, long-term Treasury bonds, gold, and even Berkshire Hathaway over recent years. And with lower volatility than chasing hot AI stocks on your own.
Today, AI is leveling the playing field for individual investors.
For decades, big Wall Street firms had enormous teams and expensive data tools that gave them a structural edge that regular folks simply couldn’t replicate. Whitney cites Renaissance Technologies’ Medallion Fund, widely considered the most successful hedge fund ever. It generated roughly 66% annual returns over decades. Their secret? Better data and better models than everyone else.
But today, advances in AI make serious analytical firepower accessible to smaller investors. That is the whole idea behind the N.E.W. System – packaging an elite-level analytical engine in a form regular people can use.
Subscribers also get access to a few key tools.
The Stansberry Score is an AI-driven rating for thousands of stocks, showing how each one ranks against the system’s criteria. You can look up any stock and instantly see where it stands.
StansberryGPT is a financial chatbot that answers plain-English questions from market data. It is like having a 24/7 analyst at your fingertips, minus the $20,000 Bloomberg terminal bill.
And a year of access to the N.E.W. System, with Whitney’s latest recommendations of the strongest-rated companies to buy right now for the highest potential gains. Should you choose to invest, all you’ll need to do is type in your portfolio size, and his calculator will spit out exactly how many shares of each company to buy.
Today, you can use the same technology that is shaking everything up to invest smarter, avoid being blindsided by big market declines, and even find the next big winners before everyone else catches on.
Whitney puts it like this:
In short, we’ve taught our AI to find you the unique combination of stocks that is most likely to double or triple your money, with a level of confidence that has never been possible before.
And keep in mind, the N.E.W. System updates its model portfolio roughly four times a year, or as needed, based on market conditions. That means regular updates on what stocks to add, which to trim or sell, and the latest highest-potential new recommendations to add.
This frequency is intentional. It’s not a day-trading system that will bombard you with constant trades, but it’s also not a “set-and-forget for years” approach.
In short, the N.E.W. System offers a radically different, high-tech approach to stock investing – one that tilts the odds in your favor by using vast data and computing power.
Stansberry Research is one of the largest and most respected independent financial research firms in the world.
Founded in 1999, the firm made its name by giving individual investors access to the kind of in-depth research and contrarian ideas often reserved for Wall Street insiders. Today, Stansberry Research is a cornerstone of the financial publishing industry.
The firm has subscribers all around the globe. And its publications are read by hundreds of thousands of folks.
A key differentiator is that, unlike big banks or brokers, Stansberry doesn’t manage money or earn commissions on trades. They strictly publish research and investment recommendations. And they are known for sometimes taking bold, unpopular stances that later proved prescient.
For example, Stansberry Research analysts warned about the housing bubble and the impending collapse of Fannie Mae and Freddie Mac before the 2008 crisis, saving attentive subscribers from huge losses. They were early in predicting the rebound of oil and natural gas in the mid-2010s. And they even covered burgeoning trends like bitcoin as far back as 2017.
Over the years, Stansberry’s various services have logged dozens of triple-digit winners and a handful of 1,000%-plus gainers.
Of course, no firm gets every call right. That’s why Stansberry Research analysts also regularly acknowledge their mistakes – including in an annual “Report Card” where the publisher grades each publication, no holds barred. Their mission is to put the kind of research and tools that used to be reserved for Wall Street insiders into the hands of regular investors. The company employs experts on macroeconomics, commodities, biotech, insurance stocks, and much more… and now, an AI system is working for you, too.
Who Is Whitney Tilson?
Whitney Tilson is a familiar name in investing circles… and beyond. His career spans hedge funds, research publishing, philanthropy, and even a run at New York City politics. Understanding his background helps explain why people take his “ripping point” warning seriously.
The short version…
Whitney graduated from Harvard College and Harvard Business School, where he finished in the top 5% of his class and was named a Baker Scholar. In 1999, he co-founded what became Kase Capital Management. He started with $1 million and ran the whole thing from a folding Ikea desk in the corner of his bedroom. Over the next dozen or so years, he grew his fund to more than $200 million in assets and nearly tripled his investors’ money.
That stretch included the dot-com crash, the 2008 financial crisis, and a flat-to-brutal market for long stretches. Steering a fund through all of that and coming out well ahead was no small feat.
He also earned a reputation for calling big turns in the market.
During the depths of the financial crisis, he went on 60 Minutes and argued it was a once-in-a-lifetime buying opportunity for stocks. At the time, fear was rampant. But he was right – it marked the bottom… And the ensuing bull market became the longest in history.
In 2015, he again appeared on 60 Minutes to expose fraud at a company named Lumber Liquidators, which was found to be selling toxic Chinese-made laminate flooring. Following that, the stock plummeted 80%, and the CEO resigned. Whitney’s actions potentially saved consumers and investors from a disastrous situation.
He predicted the exact market bottom in March 2020 during the COVID-19 crash. Anyone who listened would have caught the huge rebound that followed.
These and other calls earned him that “Prophet” nickname from CNBC.
Over his career, Whitney rubbed elbows with some of the greats – even baking cookies for the legendary investor Warren Buffett every Christmas. Whitney also counts hedge-fund legends like Bill Ackman, Joel Greenblatt, David Einhorn, and Seth Klarman among his circle.
After leaving the hedge fund world, Whitney moved into investment research and education and now heads up a team of analysts at Stansberry Research. He brings a rare combination to the table: proven investment skill, connections with legendary investors, and a down-to-earth teaching mentality.
Whitney has published four books, including The Art of Value Investing. He has traveled to Ukraine multiple times during the war to deliver aid. He helped launch the nonprofit Teach For America as a founding member. He even ran for mayor of New York City.
Question: What does Whitney mean by “ripping point”?
Answer: “Ripping point” is Whitney’s term for when America’s economic and social fabric tears apart under extreme pressure from technology and wealth inequality.
Think of it as a more violent version of a tipping point – a rapid, visible split between those getting richer and those getting left behind. This gap is now showing up in political polarization, consumer debt, career anxiety… You name it. And in Whitney’s view, AI is speeding this up from a slow divergence into something much more abrupt.
Question: Why is Whitney’s ripping-point prediction causing panic among white-collar workers?
Answer: White-collar professionals have historically been largely shielded from automation. A college degree and an office job meant stability, but AI is changing that assumption.
Soon, you may have an “always-on” AI at your desk, watching what you do, and learning to do it without you.
That sounds dystopian… or maybe just far-fetched.
But it has happened before with American workers training their offshore replacements in the late 1990s… That trend sped up following the dot-com crash in the early 2000s as companies faced intense pressure to survive by cutting costs. This time, instead of being replaced with a cheaper worker in a foreign country, it’s an AI in the cloud
As AI costs go up and AI gets smarter, human headcounts come down. And if you’re one of the millions of folks employed in a white-collar office setting, your job is likely more at risk than you would have ever expected.
Question: Haven’t we faced disruptions from technology before?
Answer: We absolutely have. Mechanization gutted farming jobs early in the 20th century. Robots changed manufacturing late in the 20th century. Each time, new job categories eventually appeared.
Two things stand out about AI, though:
First, the scope. AI can hit many industries and many types of cognitive work at once – legal research, marketing copy, financial analysis, and software code. It’s not limited to one sector.
Second is the speed. AI models improve on a timeline of months, not decades. And the newest tools are accelerating a trend already in motion.
So, whether Whitney’s comparison of compressing 100 years into a single decade holds up perfectly, the pace is genuinely unlike anything in recent memory.
Question: How does the N.E.W. System work?
Answer: The New Engine of Wealth (N.E.W.) System uses machine learning to comb through years of market data – stock prices, financial statements, and economic indicators. It looks for patterns that predict strong performance.
It runs trillions of simulations to find combinations of stocks that hold up well across different conditions. From that analysis, it builds a model portfolio of 10 to 20 stocks, updated quarterly.
Of course, Whitney and his analyst team review every pick before sending it to subscribers. So there is a human check on the algorithm’s output. Subscribers also get access to the Stansberry Score, which rates thousands of stocks on demand, and StansberryGPT, a financial chatbot that answers plain-English questions from market data.
Question: If the system works so well, why share it?
Answer: Fair question. Whitney has addressed it directly. Part of his answer is personal. He has already run a hedge fund and made his money on Wall Street. At this point in his career, he says he is more motivated by teaching and helping individual investors.
In addition, Stansberry Research is in the business of selling research, not managing money. By creating a product like the N.E.W. System, they can attract subscribers willing to pay for high-quality insights. In a sense, scaling it to thousands of subscribers is more lucrative for them than trying to quietly run a small fund with it.
Finally, both Whitney and Stansberry Research have built a reputation on delivering big ideas to readers. This is, in a way, their next big idea to retain and grow that audience.
Question: Is the system all tech stocks?
Answer: Nope. The recommendations look diverse, based on what Whitney has shared publicly. His examples include a health care small-cap. A fintech firm. An ad-tech company. An industrial manufacturer. A biotech. A gold-related firm. A defense-parts maker.
The AI searches across every sector for the best risk-reward opportunities. That could mean a boring industrial stock sitting right next to a high-growth tech name. The system also steers users away from popular-but-overpriced names if the data does not support additional upside.
Question: Can an average investor use Whitney’s N.E.W. System?
Answer: Absolutely. It was designed with everyday investors in mind. The system outputs a model portfolio with ticker symbols and allocation percentages. It even has an online calculator. Enter how much you want to invest, and it computes how many dollars to put in each stock. You would make trades a few times a year to rotate into new picks or adjust your positions. No advanced tech skills required.
If you can read a report and place a trade in your brokerage account, you can follow it. Whitney’s team also provides a Quick Start Guide, monthly updates, and customer support. You can find more details on the order form. (This link does not go to a long video.)
How an Investor Can Profit From Whitney’s Ripping-Point Prediction
We could soon be blindsided by a permanent change in our economy…
America’s “ripping point” will be far more wide-reaching than a stock market crash or banking collapse. It has the potential to split our entire financial system in two.
But buried in that chaos is an opportunity to do incredible things with your money.
That’s why Whitney has gone public with his warning today.
Whether you choose to watch Whitney’s documentary on the N.E.W. System, the takeaway is clear: AI is transforming investing. It’s showing us ways to beat stocks, gold, bonds, real estate – and even potentially outperform the great Warren Buffett.
And keep in mind: AI is only going to get stronger (and smarter) from here.
So, even if you don’t see a threat from AI right now, that doesn’t mean it won’t be here tomorrow.
As Whitney predicts:
Today’s AI is the dumbest it’ll ever be. It’s getting smarter at an exponential rate. In fact, AI’s capability has doubled roughly every seven months for the past six years.
It gets smarter and more powerful with every passing day.
You can’t fight it.
None of us can.
But you can use it to grow wealthy – by making sure AI works for you, not against.
And of course, Whitney is offering a full 30-day money-back guarantee for all new subscribers. So you can give his research a try without worrying about a long-term commitment today.
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