🏓 “Fruition-izing” — Marty Supreme’s growth hack. JP Morgan’s Apple Card. Free Zyn at work. +5am wakeups

Summary

The Best One Yet

🏓 “Fruition-izing” — Marty Supreme’s growth hack. JP Morgan’s Apple Card. Free Zyn at work. +5am wakeups

Hosts: Jack Crivici-Kramer & Nick Martell
Date: January 14, 2026

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Episode Overview

In this energetic edition of The Best One Yet, Jack and Nick break down three headline-grabbing stories spanning tech, finance, culture, and health trends. The stories dissect JP Morgan’s takeover of the Apple Card (and why the Apple Card might be cursed by Steve Jobs’ ghost), Timothée Chalamet’s viral growth hack for his hit film Marty Supreme, and the wild new workplace perk sweeping Silicon Valley: free nicotine pouches at the office. Along the way, listeners get actionable insights, business inspiration, and the duo’s signature witty banter.

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Main Topics & Key Insights

1. JP Morgan’s Apple Card Takeover & The Curse of “Think Different”

[04:37 – 09:32]

• JP Morgan’s Huge Earnings, but One Ugly Loss

  • JP Morgan Chase kicked off earnings season with a $57 billion profit for 2025.
  • However, the acquisition of the Apple Card from Goldman Sachs resulted in a $2.2 billion loss, their one “weak spot.”
  • Quote: “This is the second year in a row that America’s biggest investment bank made more than $1 billion of profits every week.” — Jack [05:07]

• The Apple Card’s ‘Think Different’ Problem

  • Apple’s “think different” demand led to a customer service nightmare: all statements sent on the 1st of the month. This flooded Goldman's support lines and forced them to build an expensive new support team.
  • Quote: “Credit cards as a business model, they hate being different.” — Jack [06:05]
  • JP Morgan, with its massive infrastructure, believes it can handle what Goldman couldn’t.

• Why Did Goldman Bail?

  • Goldman, with little consumer banking experience, struggled to meet Apple’s customer service expectations.
  • JP Morgan, with 5,000 branches and loads of credit card products, is “the rebound dude” and up for the challenge.

• Jamie Dimon on Politics vs. Economics

  • The bigger story: political interference in central banks (referencing Turkey’s disastrous inflation spike) often ends in disaster.
  • Quote: “When a central bank loses credibility, confidence plummets and inflation rises.” — Nick [09:03]
  • Jamie Dimon’s main counsel: Let the Fed do its job—don’t let “poli sci take over econ.”

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2. Marty Supreme & Timothée Chalamet’s Viral Marketing Hack

[09:32 – 14:11]

• From Ping Pong to Oscars: The Marty Supreme Phenomenon

  • Marty Supreme, starring Timothée Chalamet, is a $70 million A24 film about ping pong, the mafia, and a wild romance.
  • Quote: “A 1950s New York kid caught up in crime, the mafia, and an underground ping pong tournament. Also, he hooks up with Gwyneth Paltrow.” — Nick [10:24]

• How a ‘Fake’ Zoom Call Became a Marketing Sensation

  • Chalamet and A24 published an 18-minute fake “leaked” Zoom meeting to parody typical marketing brainstorms—complete with awkward office banter and absurd ideas.
  • “Fruitionizing” — Timothée’s made-up buzzword — became the comic centerpiece.
  • Quote: “When I wake up every morning I think, culmination, integration, like all of us. And fruition. Fruitionizing, which is not a word, obviously, but fruitionizing the release of this movie.” — Timothée Chalamet (performed by Jack/Timmy), [12:00]

• Breaking the Fourth Wall, Winning the Internet

  • 10 million views later, the fake Zoom call proved to be a viral masterstroke, blending authenticity with satire and drawing wide attention to the film.
  • Quote: “They made fun of promoting movies and got 10 million views…That and a ton of buzz is a financial trick shot.” — Jack [13:18]

• Business Takeaway

  • Breaking the fourth wall—giving audiences a wink behind the scenes—works in marketing as well as theater.
  • Quote: “Brands can break the fourth wall with consumers too.” — Jack [13:59]
  • The act of “transparency (even if staged) is still refreshing.”

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3. Free Zyn at Work: The Productivity Arms Race

[15:11 – 18:57]

• The Newest Office Perk: Nicotine Pouches

  • Free nicotine pouches (brands like Zyn, Lucy, Sesh) are popping up in major tech and finance offices—including Palantir, which installed vending machines stocked with free Zyn next to the coffee station.
  • Quote: “Your body isn’t a temple, your body is a productivity machine.” — Nick [15:48]

• The Rationale (and Business Angle)

  • Nicotine is pitched as a productivity hack — more alertness, more focus.
  • Philip Morris (which bought Zyn) has seen a 40% stock spike as a result.
  • Quote: “Tobacco legend Philip Morris is living its best life now.” — Jack [16:44]

• The Big Red Flag: Addictive Potential

  • The difference between coffee and nicotine is addiction—nicotine is “addiction in chemical form.”
  • Sesh’s founder admitted to getting hooked by their own product.
  • Quote: “Addiction: great business model for the business, not necessarily for the end user.” — Nick [17:42]

• Reflecting Corporate Culture

  • Work perks mirror societal values: from 2015’s kombucha and Kind bars to today’s “Ultmanian productivity” kick.
  • Quote: “If you want to understand culture, open up the corporate fridge.” — Jack [17:56]
  • In the cutthroat AI economy, companies now optimize perks for raw productivity—even if it means enabling questionable “hacks.”

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Other Notable Moments and Quick Bites

Sleep Chronotypes & 5AM Wakeups

[01:13 – 02:22]

• Larks (morning people, 20%), Owls (night people, 20%), Bears (the rest, 60%).
• Jack and Nick: “5am and you just might not gel—and that’s okay.”
• Quote: “Mo Melatonin, Mo Money. If you know, you know.” — Nick [02:22]

Quick Hits & Offbeat News

[19:42 – 21:16]

• Tom Brady might quarterback Team USA in Olympic flag football (2028).
• Elon Musk predicts AI abundance could make saving for retirement obsolete.
  • “This is not financial advice. It’s just fascinating...” —Jack [20:39]
• Tamagotchi turns 30, sales hit 100 million.

Best Fact Yet

[21:14 – 22:08]

• Nuclear submarines (powered by nuclear energy) can stay submerged for 90 days—not limited by power, but by food.

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Notable Quotes (with Timestamps)

• “Credit cards as a business model, they hate being different.” — Jack [06:05]
• “When a central bank loses credibility, confidence plummets and inflation rises.” — Nick [09:03]
• “A 1950s New York kid caught up in crime, the mafia, and an underground ping pong tournament. Also, he hooks up with Gwyneth Paltrow.” — Nick [10:24]
• “Fruitionizing, which is not a word, obviously, but fruitionizing the release of this movie.” — Timothée Chalamet (via Jack) [12:00]
• “They made fun of promoting movies and got 10 million views… That and a ton of buzz is a financial trick shot.” — Jack [13:18]
• “Addiction: great business model for the business, not necessarily for the end user.” — Nick [17:42]
• “If you want to understand culture, open up the corporate fridge.” — Jack [17:56]
• “Mo Melatonin, Mo Money. If you know, you know.” — Nick [02:22]

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Timestamps for Key Segments

| Segment | Timestamp | |-------------------------------------------------|-------------| | JP Morgan’s Apple Card Takeover | 04:37–09:32 | | Marty Supreme’s Marketing “Hack” | 09:32–14:11 | | Free Zyn at Work: Productivity Craze | 15:11–18:57 | | Sleep Chronotypes & 5AM Wakeups | 01:13–02:22 | | Quick News Hits (Tom Brady, Musk, Tamagotchi) | 19:42–21:16 | | Best Fact Yet (Nuclear Submarine Trivia) | 21:14–22:08 |

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Tone & Style Highlights

Jack and Nick's playful and upbeat banter shines, with plenty of pop culture allusions (“If there’s one thing Tom Brady loves more than rings, it’s deflated balls.”), quirky terminology (“fruitionizing,” “Ultmanian productivity”), and mock-serious business takeaways.

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Takeaway Summary

• Apple Card’s “think different” curse tripped up Goldman; JP Morgan thinks it can fix what Apple broke—if politicians keep their hands off central banks.
• Marty Supreme's fake Zoom stunt is a modern masterclass in “breaking the fourth wall”—brands should take note.
• Free nicotine at work signals a cultural shift from wellness perks to productivity-at-any-cost—just check your office fridge.

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Transcript

[A]

This is Nick.

[B]

This is Jack.

[A]

It's Wednesday ceviche Wednesday, January 14th. And today's pod is the best one yet. This is a T, boy.

[B]

The top three pop business news stories you need to know today.

[A]

But first, happy quarterly earnings season to all those who celebrate.

[B]

That's right. Our first story is an earnings report. So light your lanterns in honor of the financial holiday.

[A]

Yeah, I think there are a few of those besties. You're looking fantastic, Jack. Three stories for today's show. What do we got on the pod?

[B]

For our first story, JP Morgan just announced earnings and that they're taking over the Apple card.

[A]

But Jack and I will tell you why the Apple card is actually doomed. It's the curse of Steve Jobs.

[B]

For our second story, Timothee Chamilet tricked the Internet with a fake leaked Zoom call.

[A]

You say chamolet every time. It's chalamet.

[B]

Oh, shoot. Did I screw that up again?

[A]

Chalamet. But Timothee chalamet sparked a $70 million box office win for Marty supreme thanks to that Zoom call.

[B]

And our third and final story. Forget free coffee. Silicon Valley offices are now offer free nicotine pouches.

[A]

From kombucha to nicotine, free work perks actually reflect our entire society.

[B]

But yetis, before we hit that wonderful mix of stories.

[A]

Oh, what a mix. No one else is doing that mix.

[B]

Are you a lark, a bear, or an owl?

[A]

Because, besties, those are the spirit animals of sleep.

[B]

Or as scientists call them, chronotypes. The three sleep profiles of all people.

[A]

The morning lark, the late night owl, or the snoozing bear.

[B]

According to sleep doctor Michael Brias, roughly 20% of us are night owls.

[A]

You know who you are. You're watching TikToks till 2am 20% of.

[B]

Us are also morning larks.

[A]

You finish five cups of coffee by 5am Kind of like Jack and I.

[B]

And the rest of us. 60%. You're bears.

[A]

Basically normal people. Not up super early, not up super late.

[B]

Just right now, you won't see a lark smack the snooze button in the morning.

[A]

And Jack, you won't see an owl hit the hay after dinner.

[B]

Which is all to say you can't biohack your biological clock.

[A]

Unless you're one of the 20% of us Larks. Your 5am Barry's Boot Camp. That could actually be counterproductive.

[B]

So even if your New Year's resolution is to rise before the sun does.

[A]

This year, you may want to double check your chronotype.

[B]

Species yetis, 5am and you you just might not gel and that's okay Yetis.

[A]

Add it all up and you gotta remember what Snoop Dogg taught us all those years ago. Mo Melatonin Mo money If you know, you know Jack let's hit our three stars. Fifteen years before this song, two boys from the north met in the dorm. They had an idea to cause a cultural storm. It's the best one yet, but the best is the norm. Jack Nick, that's it. I don't even think they need to practice.

[B]

50%.

[A]

That's a fat tip. T boy city on your at Liz if you know, you know. Cause we read to go we can't wait no more so just start the show start the show, start the show. First, a quick word from our sponsor. Foreign.

[C]

Hey, it's Raj and Noah. And we're back with a new season of Am I Doing It Wrong? The show that explores the all too human anxieties we have about trying to get our lives right.

[D]

Because we're still doing a lot of stuff wrong.

[C]

But who isn't? That's why each week we're talking about the topics that we could all use a little helping hit with. Whether it's making new friends as an adult, managing our emotions, or even dreaming.

[D]

We'll be talking to experts in their fields who are definitely doing things right. So the rest of us can be a bit wiser and a lot better. Better equipped to handle whatever life throws at us.

[C]

Subscribe now and listen to new episodes of Am I Doing It Wrong? Dropping every Thursday starting January 1st, wherever you get your podcasts.

[D]

And for the first time ever, we're going to have full video episodes on YouTube. Because as long as there are things to get wrong, we're going to be right here to help you do them better.

[B]

Love y'.

[A]

All.

[C]

This is Paige Desorbo from Giggly Squad. Boost Mobile gives you the same network coverage, speed and service you're used to, just at a more affordable price. Why pay more if you don't have to? Offering reliable nationwide coverage backed by a 30 day money back guarantee. Love your service or get your money back, no questions asked. Visit your nearest Boost Mobile store or head to boostmobile.com to learn more. After 30 gigabytes, customers may experience slower speeds. Customers who cancel within 30 days of activation will have Boost service fees refunded, activation fees if applicable, and phone payments will not be refunded.

[A]

For our first story, JP Morgan Chase had a crazy day kicking off the earnings season for 2026, and CEO Jamie.

[B]

Dimon explained why Trump's Fed Takeover would backfire. And also how Steve Jobs ruined the Apple card.

[A]

Yet it is now that Warren Buffett has retired. Jamie Dimon is the silverback of Wall Street. Isn't he, Jack?

[B]

How old is he? Like 70?

[A]

Looks 30. Jack. But yesterday, JP Morgan earnings $57 billion in profit for 2025. Not too shabby.

[B]

This is the second year in a row that America's biggest investment bank made more than $1 billion of profits every week.

[A]

Jamie Dimon carries a Cha Ching button in his pocket.

[B]

Yes, he does. But there was one surprise weak spot in JPM's earnings report. A $2.2 billion loss related to the bank's takeover of the Apple card.

[A]

I'm sorry, Jack, pause the pod. J.P. morgan and Apple Card. Please sprinkle on more context.

[B]

Goldman Sachs launched the Apple Card in 2019 with Apple and has hated pretty much every minute of it ever since.

[A]

Why? Well, we think it's because of the spirit of Steve jobs.

[B]

Back in 1997, Steve Jobs launched Apple's famous catchphrase, think different.

[A]

So in 2019, Apple insisted its very first credit card. Think different.

[B]

Apple Card was the first credit card with a titanium physique. It was the first one with pretty much no fees whatsoever. And Apple demanded it have genius bar level customer service.

[A]

Okay, but here's the problem. Yetis credit cards as a business model, they hate being different.

[B]

For example, Apple insisted that for each user, credit card statements arrive on the first of the month. Because that just makes sense.

[A]

It does make sense, Jack. But if every credit card statement arrives on the first day of the month, the then all the customer service requests also come in on the first day of the month.

[B]

That's why credit card companies stagger your statement dates randomly across all the days of the month. They don't want to overload their customer service department.

[A]

But in this case, Goldman had to hire an entire customer service department to handle your complaint about some erroneous $4 Starbucks charge. And it all happened on the first.

[B]

Day of the month because Apple, channeling Steve Jobs, refused to stagger it like all the other credit card companies.

[A]

Think different. That's what they demanded of Goldman Sachs.

[B]

But it's in that situationship that Goldman's rival, J.P. morgan saw an opportunity.

[A]

Basically, J.P. morgan said, you know what? We could be Apple's rebound dude on the credit card.

[B]

You see, JP Morgan is three times bigger than Goldman Sachs. And unlike JP Morgan, Goldman never really had a consumer business.

[A]

But Jack, JP Morgan has a huge customer service department. They're handling 5,000 branches and 30 different credit cards right now. Sapphire this, sapphire that.

[B]

So JP Morgan made it Instagram official last week. They announced they're taking the Apple card from Goldman Sachs.

[A]

And they're already ready for the surge in complaints about random Starbucks charges that happen on the first day of every month with the Apple card.

[B]

Basically, JP Morgan so big, they can handle any surge in customer service complaints.

[A]

In the long term, JP Morgan plans to make money on those Apple card balances through interest and swipe fees.

[B]

But in the short term, they had to account for the probability that some cards are going to default and lose money. Hence the $2 billion charge.

[A]

Add it all up and Steve Jobs would have probably been pumped about this, but would have spanked us if we said that publicly.

[B]

Yeah, he's a real hard ass in the office, isn't he?

[A]

But besties. While JP Morgan's Apple card hookup fascinated us, the bigger news yesterday was really Jay Powell. So, Jack, what's the takeaway for our buddies over at JP Morgan?

[B]

When poli sci tries to take over econ, the results are disastrous.

[A]

Yetis the big story. Yesterday it was the President asking the Justice Department to investigate the chair of our Federal Reserve, Jerry Powell.

[B]

Well, everyone wanted to know, what did Jamie Dimon think? The CEO of JP Morgan? And yesterday, he came out in support of Jerome Powell.

[A]

Okay. But more importantly, Jamie Dimon said that political pressure to cut interest rates typically backfires. In reality, just look at the country of Turkey.

[B]

The authoritarian president of Turkey interfered with Turkey Central bank back in 2021. He forced interest rate cuts, even though economics required the opposite.

[A]

The result, inflation in Turkey quadrupled from a brutal 20% in 2021 to an absolutely crippling 80% just a year later.

[B]

80% inflation. That's the kind of thing that destroys an entire country.

[A]

Because when a central bank loses credibility, confidence plummets and inflation rises.

[B]

Or as Jamie Dimon more diplomatically put it yesterday, it will raise inflation expectations and probably increase interest rates over the long term.

[A]

So, besties, Apple card as Morgan CEO and basically all of finance agree, let Fed Chair Jerry Powell cook. Don't put him in jail.

[B]

Because when poli sci takes over econ, historically, it's disastrous.

[A]

For our second story, the big winner of the Golden Globes was Timothee Chalamet for the movie Marty Supreme.

[B]

But Marty Supreme's buzz began with a viral fake zoom meeting that got 10 million views.

[A]

Yetis, last week, we talked to you about the great hockey movies of all time. Bringing in the big Doe at the box office.

[B]

Yeah, Mighty Ducks. One, two, three. Happy Gilmore. It was a pretty good rundown, but the more Nick and I think about it, ping pong is the real hit machine in the box office.

[A]

Jack, whip out the whiteboard. We got Balls of Fury, Topspin, Forrest Gump. All ping pong movies.

[B]

Table tennis also had a huge role in the movie Beer Fest.

[A]

Ping Pong and Ding Dang. And it also happens to be the core theme of the Golden Globe winning movie, Marty Sweet. Supreme.

[B]

Marty Supreme, a sports comedy drama thriller based roughly on a true story.

[A]

A 1950s New York kid caught up in crime, the mafia, and an underground ping pong tournament. Also, he hooks up with Gwyneth Paltrow.

[B]

Spoiler. And at $70 million, it's A24's biggest production budget ever.

[A]

And Marty supreme just hit $70 million at the box office on Sunday.

[B]

So it's broken even. This is the highest grossing film ever from the famous indie studio 824 Plus.

[A]

Chalamet just won best actor at the Golden Globes. Now there's a 74% chance of him.

[B]

Winning the Oscar too, according to Polymarket.

[A]

But besties, the real story here, what we truly found fascinating is how Marty supreme went viral in the first place.

[B]

It went viral with a Zoom call.

[A]

Get this. The A24 Studios team created a viral spectacle with an 18 minute fake leaked zoom meeting. Jack, please explain.

[B]

Back in November, A24 wanted to promote Marty Supreme. And they did it by Publishing on YouTube a video of an unedited, very raw Zoom meeting.

[A]

We've seen it a few times now. You've got the nine squares that we've all had before. And it starts with intros. Just like every other corporate Zoom meeting.

[B]

The awkward pleasantries after the intros.

[A]

How's the weather out there?

[B]

And then a little totally uncorporate looking bald dude in a yellow tank top appears in the corner. It's Timothee Chalamet.

[A]

It's Timmy chalamet.

[B]

Now here's 45 seconds of the video. It's quite entertaining.

[A]

You have to experience it to understand what we're talking about.

[B]

Push and play. Well, Timothy, we're excited to share our ideas with you.

[A]

I know you sent me an email.

[B]

You said you had some of yours as well.

[A]

Do you want us to go first or you go?

[B]

Which? Whichever works. Why don't I go first?

[A]

Yeah, go for it, man.

[B]

Like I said, thank you all for jumping on. Very humbling for me. Yeah, I just wanted to, like, make sure that we're all, like I said, aligned. Because I'm so excited. Like. Like, when I wake up every morning, I think, culmination, integration, like all of us. And fruition. Fruitionizing, which is not a word, obviously, but fruitionizing. The release of this movie. Like, really making sure it comes out in a great way. I'm thinking big. You know what I mean?

[A]

This has got to be, like, one.

[B]

Of the most important things that happens on planet Earth this year. Our boy Timmy goes on to offer some insane marketing ideas to this marketing team.

[A]

Everything needs to be orange. Paint the Statue of Liberty orange, Eiffel Tower pyramid. Everything orange.

[B]

His obsession. Because that's the key color of the movie, and it's the color of professional ping pong.

[A]

Boss Timothy then goes on to skewer the whole marketing team for interrupting him. And then he shows off a design for his giant orange blimp.

[B]

All crazy ideas, all bad ideas. But all these marketing professionals keep saying, yeah, Timmy, yeah. Because he's the talent. And you don't say no to the talent.

[A]

The theme here, Besties. The reason this resonated with 10 million people. This was a fake zoom meeting that felt like the real zoom meetings we've all been in before to promote the movie.

[B]

They made fun of promoting movies and got 10 million views. That and a ton of buzz is.

[A]

A financial trick shot. So, Jack, what's the takeaway for our buddies over Marty Supreme?

[B]

This was a masterclass of breaking the fourth wall.

[A]

Yetis, there's a concept in acting about an imaginary fourth wall between the actors and the audience that you do not break.

[B]

The performer stays in character. Don't break the fourth wall. It'll be awkward and potentially kill the magic.

[A]

That's the key. Breaking the fourth wall is so rare, so unexpected. It's also therefore memorable.

[B]

And that's what this Chalamet zoom meeting did. He took a risk with it, and it paid off.

[A]

The stunt of a fake. Real Timmy Chalamet got millions of people to buy tickets for an indie film about ping pong.

[B]

And there's a business insight here.

[A]

Yes, there is.

[B]

Brands can break the fourth wall with consumers too.

[A]

You see transparency, even if it's embellished and marketed up a bit.

[B]

And in this case, staged.

[A]

Exactly. That is still refreshing.

[B]

It's a concept from show that works in real biz.

[A]

Break the fourth wall. Now, a quick word from our sponsor.

[C]

Hey, it's Raj and Noah. And we're back with a new season of Am I Doing It Wrong? The show that explores the all too human anxieties we have about trying to get our lives right, because we're still.

[D]

Doing a lot of stuff wrong.

[C]

But who isn't? That's why each week we're talking about the topics that we could all use a little helping hit with. Whether it's making new friends as an adult, managing our emotions, or even dreaming.

[D]

We'll be talking to experts in their fields who are doing, definitely doing things right so the rest of us can be a bit wiser and a lot better equipped to handle whatever life throws at us.

[C]

Subscribe now and listen to new episodes of Am I Doing It Wrong? Dropping every Thursday starting January 1st, wherever you get your podcasts.

[D]

And for the first time ever, we're going to have full video episodes on YouTube. Because as long as there are things to get wrong, we're going to be right here to help you do them better.

[A]

For our third and final story, this is wild. Startups and tech firms are giving workers Zyn pouches for free.

[B]

The new work perk productivity hack in Silicon Valley and Wall Street Free nicotine in the office.

[A]

But yetis, in order for us to tell this story, let's set the scene. Sweet green salads, Mindfulness Mondays, an entire wardrobe dedicated to Pilates.

[B]

It's with that wellness girly backdrop that this story is so surprising to us. Yeah, the new work perk in the tech industry is nicotine.

[A]

Tech workers and finance folk are packing a half inch pouch of nicotine under their lip walking around the office.

[B]

Your body isn't a temple, your body is a productivity machine.

[A]

Now we covered the popularity of the Zen business nicotine pouches in a story last year.

[B]

They have the same flavors as Spindrift, Mango, Espresso Mint. But we didn't realize nicotine pouches were.

[A]

Safe for work and venture capital wants in. Lucy and Sesh, two nicotine pouch startups have made their own vending machines to distribute their nicotine pouches.

[B]

And Palantir, a $500 billion AI company, bought two of those vending machines and plopped them into their offices.

[A]

We repeat, right next to the coffee station over at Palantir's D.C. office is a vending machine with free Zinn.

[B]

Let that sink in.

[A]

Literally.

[B]

This is part of a surge in the nicotine industry that you can see in the stock market. True, Jack, Philip Morris acquired Zinn for $16 billion three years ago and now.

[A]

Philip Morris's stock is up 40% in the last year. It is near an all time high.

[B]

That's right, tobacco legend Philip Morris is living its best life now.

[A]

Besties. The reason why Wall Street Analysts and Silicon Valley PMs are popping nicotine these days.

[D]

Is.

[B]

They say it's for productivity because nicotine is a stimulant. It increases alertness, focus, and heart rate. It's not that different than coffee, I guess.

[A]

Also, we should point out, as the Wall Street Journal pointed out, this is the least medically harmful nicotine. No cancer risk. If you're using a pouch, companies already.

[B]

Offer you free coffee so you can work harder. Why not another stimulant? They say.

[A]

But we should also sprinkle on more context here, which would be the downside of the pouches.

[B]

The big difference with coffee is addiction. You might wear a T shirt that says you're addicted to lattes, but you're not addicted. Yeah. However, nicotine is literally addiction in chemical form.

[A]

It's hard to quit and could become a gateway to other things like cigarettes as a result.

[B]

The founder of Sesh, the vending machine company we mentioned earlier, said he accidentally got addicted to these things.

[A]

Addiction. Great business model for the business, not necessarily for the end user.

[B]

Just because Palantir PMs are doing it doesn't mean it's the right thing for you.

[A]

So, Jack, what's the takeaway for our buddies over in the Zinbiz?

[B]

If you want to understand culture, open up the corporate fridge.

[A]

Yetis. Let's look back a decade ago at the work perks from 2015. Free kombucha. A closet full of kind bars. Jack. A full fridge of Greek yogurt.

[B]

It was peak millennial. Today, 44% of companies offer free snacks to workers. The goal is to make workers happy and keep them in the office longer.

[A]

But 10 years after that, Free kombucha we just mentioned, those fridges in the offices look different. In this economy, there's a lot less free stuff.

[B]

And instead of nap pods and pet bereavement leave and unlimited dry mango indulgences.

[A]

I was curious where you're going.

[B]

Offices are now offering you free nicotine this besties.

[A]

This reflects the pivot in priorities to productivity, or at least presumed productivity.

[B]

The AI industry is so cutthroat. Some employers are literally endorsing your new drug habit.

[A]

Jack, remember last year we saw that in the 996 work culture working around the clock. Well, now we're seeing it in the zin.

[B]

If you want to understand where culture is, one place you can look is the corporate fridge.

[A]

Open it up, see what's free. Jack, can you whip up the takeaways for us for ceviche Wednesday?

[B]

The ghost of Steve Jobs has haunted Goldman's management of the Apple card, but JP Morgan says they're ready for it.

[A]

And Jamie Dimon agrees. When politicians take over central banks, it backfires. Bake time.

[B]

Second, Timothee Chalamet starred in Marty supreme and in the staged Zoom video that.

[A]

Promoted the movie that was breaking the fourth wall. It's a concept that works in show business and in real business.

[B]

And finally, nicotine pouches are popping up in offices as a work perk to keep you alert and stimulated.

[A]

And it's a reflection of society's pivot from millennial wellness to Ultmanian productivity.

[B]

But, besties, this pod's not over yet. Here's what else you need to know today.

[A]

First, will Tom Brady lead Team USA in flag football as the quarterback in the 2028 Olympics?

[B]

Jack maybe yes, because Fanatics, the sports apparel company, announced yesterday a new media business.

[A]

And the key highlight, the Flag Football Classic held in Saudi Arabia coming up in March.

[B]

The goal is to get Tom in shape to potentially lead Team USA in the inaugural flag football that's happening at the Olympics.

[A]

Because if there's one thing Tom Brady loves more than rings, it's deflated balls. And second, Elon Musk has retirement advice for you. Here's the advice. Don't save for retirement.

[B]

In a wild podcast interview, Elon suggested that the future of AI and robots could lead to a future that's so abundant that money is abundant as well.

[A]

So saving for fundamental needs like retirement and rent would be obsolete.

[B]

This is not financial advice. It's just fascinating that these techno optimists are so optimistic about AI that in 20, 20, 20 years, the money will grow on trees.

[A]

You won't need a 401k. And finally, the Tamagotchi is making a comeback. Google searches and sales for Tamagotchi are at their highest point in over two decades.

[B]

And the business just sold its 100 millionth Tamagotchi last year.

[A]

They're still going strong, but the question.

[B]

Is, is your Tamagotchi still going strong? Nick from childhood.

[A]

One sec, one sec. No, mom, you need to get my vitamin.

[B]

Ah, dude. The moment when that little creature, like, transformed into a new level of maturity.

[A]

It's a beautiful thing.

[B]

That was a dopamine hit.

[A]

So happy 30th birthday to the Tamagotchi. This is your year. Now, time for the best fact yet. This one, sent in by Josh Favale from lovely Pawtucket, Rhode island, just outside Providence.

[B]

And some context. Josh is what's known in the Navy as a nuke which is slang for the sailors who work with the nuclear submarines.

[A]

Josh noticed we covered Meta's big investments in nuclear power earlier this week. But did you know that the US Navy submarines actually use nuclear power?

[B]

And did you know that those nuclear submarines can stay underwater for 90 days without coming to the surface?

[A]

That's right. It is thanks to that nuclear generator onboard the sub. That power is not the limiting factor. Food is the limiting factor for when they resurface.

[B]

The salt water from the sea is actually transformed into drinkable water and even air. And it's all powered by nuclear energy.

[A]

Josh, thanks for the best fact yet.

[B]

And for your service.

[A]

Yetis, you're looking fantastic today. And Jack, you stuck the landing on the Chalamet pronunciation. Look at you.

[B]

I screwed up the first one, right, besties?

[A]

Jack was looking in the mirror before the pod going, chalamet, not Chamois. Chalamet.

[B]

Did you know he was born and raised in New York? He's a New Yorker through and through. Yeah, perfect role was this Marty. Supreme character for him.

[A]

Timothee Chalamet proves the greatest career pivot you can make is adding a French accent to your first name.

[B]

Coming from the guy who dropped the H from the name Nicholas.

[A]

But that's a story, Jack, for another pod. Yetis, remember to tap to follow us so you get this podcast, the best one yet. And every single day.

[B]

Cuz shockingly, 20% of you aren't subscribed yet.

[A]

Come on, let's do it, people. Jack and I will see you tomorrow. And before we go, a happy birthday to legendary yeti Sam Stobee from Bountiful, Utah, who's also got a new finance job at the Dairy Farmers of America. This guy is worth more than 2%.

[B]

That was the best finance dairy joke I've ever heard, Nick.

[A]

He earned it. And Jamie Gonzalez from lovely Long Island, New York, just converted from T boy Lite to T Boy heavy. Jamie, welcome to the pod.

[B]

That is a promotion and a shout out to Leo Cadenz in Madrid, Spain. Thanks for the best fact yet about Venezuela.

[A]

And Jack, a special one here for Gili o', Leary, the legendary Yeti I ran into in Pac Heights. She's got the best granola brand west of the Mississippi. Slow street. Love the branding.

[B]

And to anyone else celebrating something today, make it a T, boy.

[A]

Celebrate the wins.

[B]

This is Jack. Nick and I both own stock and Apple.

[C]

Hey, it's Raj and Noah. And we're back with a new season of Am I Doing It Wrong? The show that explores the all too human anxieties we have about trying to get our lives right, because we're still.

[D]

Doing a lot of stuff wrong.

[C]

But who isn't? That's why each week we're talking about the topics that we could all use a little helping hit with. Whether it's making new friends as an adult, managing our emotions, or even dreaming.

[D]

We'll be talking to experts in their fields who are definitely doing things right, so the rest of us can be bit wiser and a lot better equipped to handle whatever life throws at us.

[C]

Subscribe now and listen to new episodes of Am I Doing It Wrong? Dropping every Thursday starting January 1st, wherever you get your podcasts.

[D]

And for the first time ever, we're going to have full video episodes on YouTube. Because as long as there are things to get wrong, we're going to be right here to help you do them better.

[B]

Love y' all.