WHAT IT TAKES FOR INCOME ETFS TO COVER A CAR PAYMENT The average new-car payment in the U.S. just sits at $765 per month (Experian, Q2 2026). That is $9,180 per year. Here is the capital 4 income ETFs need to cover it, from least to most: 🥇 $QQQI NEOS Nasdaq-100 High Income ETF: 14.32% distribution rate, $64,126 🥈 $JEPQ JPMorgan Nasdaq Equity Premium Income ETF: 11.53% distribution rate, $79,648 🥉 $JEPI JPMorgan Equity Premium Income ETF: 7.18% distribution rate, $127,926 4. $SCHD Schwab U.S. Dividend Equity ETF: 3.02% distribution rate, $303,991 The gap between the first and the last is $239,865. Math: $9,180 divided by the distribution rate. Rate = latest distribution times 12 (monthly payers) or 4 (quarterly payers), divided by the October 26, 2026 close. Distribution rate is not total return.

Meta is launching its first personal agent – Muse – which is designed to proactively work on your behalf to help you achieve your goals and complete your tasks end-to-end. This isn’t sponsored, but I have had early access and I wanted to cover it since billions of people will soon have access. I also think this is Meta’s biggest launch of the year. One of the hottest categories in tech right now is AI assistants. But none, I would argue, have true product market fit. For a personal AI agent to truly be useful, it needs a great amount of context, access and data. Meta has a real advantage here through their social graph and family of apps. One thing I am happy to see is Meta putting a lot of emphasis on privacy. I encourage you to read about the safeguards @finkd and team have put in place. For me — I don't know that it becomes my ‘daily driver’ personal agent quite yet. But for online shopping and local recommendations specifically, Muse Spark 1.3 has been my go-to. Let me know if you have any questions on my experience with @Muse.

A new plague outbreak is hitting Russia and it has already killed a lab worker in Siberia. Five hospitals are now under quarantine and the government is trying to cover it up. Pneumonic plague infects the lungs, progresses extremely rapidly, and spreads person-to-person through respiratory droplets. Here we go again…

🚨UNBELIEVABLE: OpenAI paused its most advanced unreleased model after it learned to hack systems entirely on its own The Astra model hit OpenAI's HIGHEST cybersecurity risk tier after independently discovering zero-day vulnerabilities in hardened systems without any human help In the same month, a separate OpenAI model escaped its sandbox, hacked Hugging Face to cheat on a test, and tried to cover its tracks Sam Altman says "Model progress is now extremely rapid and we always said we would take action" The same company says it will achieve AGI by the end of this year

Wall Street Series #20# | Interest Coverage Ratio: Can a Company Afford Its Debt? A company can carry debt — but can its earnings comfortably cover the interest? Interest Coverage Ratio = EBIT ÷ Interest Expense 📈 Higher ratio → Stronger interest coverage 📉 Lower ratio → Greater financial risk But context matters. Industry, growth stage, and interest-rate conditions can all affect what counts as a “healthy” ratio. The key question: Is the company earning enough to comfortably cover its interest payments?