Here's Your Fortune: 10 Fail-Proof Businesses, Apple’s Setback, China’s AI & Resume Profits

Tomorrow’s Fortune

Welcome to the action-packed newsletter designed to help you navigate the world of business, investing, and technology. You owe it to yourself to stay informed! If you missed last week’s post, check it out here. 😎 

Today’s post is 1,996 words (~5 minutes). Don’t be lazy… let’s get rich!

Cool Fact: When Wall Street Bet on… a Frog: In 2000, investors were so desperate for the next hot stock, they pumped millions into a company called “Frog’s” in the hopes it would cure diseases. Spoiler alert: it didn’t. 🐸💸

Today’s Digest: 

1. NEW VIDEO 👉🏼 10 Businesses That Never Fail (and How to Buy Them)

2. Apple’s China Struggle: When the Empire Gets a Reality Check. Find out how Huawei is stealing Apple’s thunder—and what it means for your iPhone obsession.

3. How China’s AI Is Catching Up Faster Than You Think. See how China’s budget-friendly AI is making waves and what it means for the future.

4. Turn Your Writing Skills into $$$ with AI-Powered Resumes. Learn how to start your own resume writing side hustle and cash in on job seekers' needs.

KENNY FINANCE ON YOUTUBE!

Back again with a Friday special on YouTube! As I said before, my goal is to touch a million lives through financial wellness and provide the framework, insights, and playbook to be SMART with your money.

Few things:

1. Check out tonight’s video 10 Businesses That Never Fail (and How to Buy Them)

2. Make sure you Subscribe and hit those bell notifications so you never miss a beat 📲

3. WATCH THE ENTIRE VIDEO! Pls and thank you… it helps the YT algorithm spread to others who could use the advice

4. Like and comment and let me know what you think 🤩

5. I’ll be uploading fire content every Friday until you’re rich

6. Check out KENNY FINANCE for other videos

TOP STORY

Apple’s China Meltdown: What’s Really Happening?

Apple, the king of cool tech, is sweating bullets in China. Once the undisputed champ with 13.1 million iPhones shipped in Q4 2024, Apple’s sales have tanked—down 25% year-over-year! Meanwhile, Huawei is flexing hard, with a jaw-dropping 37% growth, stealing the spotlight. Oh, and China’s smartphone market? Back in the green, up 4%, while Apple’s competitors like Xiaomi and OPPO are partying with foldables, AI ecosystems, and prices that make iPhones look like luxury yachts.

And it’s not just China causing headaches. Apple’s credit card partner, Goldman Sachs, is jumping ship, leaving Apple scrambling to find a new ally in Barclays or Synchrony Financial. This isn’t just a little shuffle—it could seriously mess with how Apple loyalists spend and stay locked into its ecosystem. The timing couldn’t be worse, with analysts predicting iPhone shipments in 2025 could fall 10% below expectations. Oh, and let’s not forget Trump’s potential tariffs, which could make those already expensive iPhones even pricier.

Even Apple’s AI push (hello, Apple Intelligence) isn’t quite catching fire like rivals’ offerings, and its Vision Pro headset? More like Vision meh—it’s not bringing in the big bucks. All of this is creating a perfect storm of competition, product struggles, and investor nerves. The cracks in Apple’s empire are starting to show, and everyone’s wondering if it’s a temporary stumble or the beginning of a bigger shift.

But here’s the thing—Apple isn’t new to tough battles. With a fiercely loyal fanbase and an ecosystem that keeps users locked in tight, it still has the tools to fight back. Plus, its moves to diversify manufacturing to countries like India and Vietnam show that it’s bracing for the future. The road ahead won’t be easy, but betting against Apple has rarely paid off.

So, is the empire crumbling? Not yet. But the pressure is on, and Apple’s next moves will decide whether it bounces back stronger—or finally loses its edge. One thing’s for sure: watching this tech battle unfold is way more exciting than your average iOS update. 🍎✨

BITS OF GOLD

• Netflix raises prices—here’s what you’ll pay more for

• Here we go again! Netflix is raising prices—your commercial-free plan will now cost $17.99 (up from $15.49), and the premium plan jumps to $24.99. Oh, and if you share your password, be prepared to pay extra. With 300 million subscribers and 16% revenue growth, Netflix is betting on big bucks to keep us hooked.

• Advisors are prepping for a volatile 2025 as the VIX spikes

• The VIX, aka the "fear index," is waking up in 2025, and wealth managers are bracing for jittery clients. After a calm 2024, volatility is up over 22%. While some see it as a sign of turbulence, others are eyeing it as an opportunity to scoop up undervalued assets. It’s not all bad news—just a little more market anxiety.

• Labor market stays steady in 2025 as hiring slows and job claims rise

• Looks like the U.S. labor market is still hanging tough in 2025—just with a little more caution. Unemployment claims ticked up slightly, but layoffs are still low and wage growth is doing its thing. While some sectors slow down hiring, the economy is plugging along. So, no need to panic—unless you're a job-seeker in California with some unexpected snow and fires adding to the mix.

• Trump’s new tariffs could hike prices for everyday goods

• Here we go again—Trump’s back with his favorite word: tariffs! This time, it’s Canada, Mexico, China, and even Russia potentially getting hit with hefty taxes on imports. While Trump’s optimistic about making America richer, economists aren’t so convinced, warning that it’s the American consumer who will feel the brunt of higher prices. Get ready to pay more, folks.

🏠💸TASTE OF THE FUTURE WITH AI

China’s AI Is Beating the U.S. on a Budget—Here’s How

Move over, U.S. — China’s AI scene is making moves, and it's doing it with a fraction of the cash. In December, DeepSeek, a Hangzhou-based company, dropped its open-source language model, V3. It performed almost as well as OpenAI's GPT-4 and Anthropic's Claude 3.5 Sonnet—but at a jaw-dropping cost of just $5.6 million. Meanwhile, OpenAI and Google have spent hundreds of millions—and they're gearing up to spend billions more.

So, how did DeepSeek pull this off? Simple: they trained the model on a less-powerful chip, the Nvidia H800, which the U.S. banned for export to China. While the U.S. thought this would slow China down, it actually pushed Chinese researchers to get creative—and they’re now building cutting-edge AI on a budget!

AI legend Andrej Karpathy even called DeepSeek’s success “a joke of a budget” and praised their ability to work with fewer resources. When he says it's impressive, you know they’re doing something right.

But here’s where it gets spicy: the U.S. has tried to restrict China’s access to these chips to curb their AI progress, but it’s backfiring. DeepSeek’s CEO, Liang Wenfeng, put it simply: “Money has never been the problem for us; bans on shipments of advanced chips are the problem.” In other words, restrictions are forcing China to get creative—and it's working.

This is all part of the global race to Artificial General Intelligence (AGI)—AI that could perform tasks at or beyond human level. With DeepSeek’s V3 and OpenAI’s new "reasoning" model o3, AGI could be closer than we think, and China’s budget-friendly approach might just steal the spotlight.

China’s AI is now a serious contender. Their innovative, cost-efficient methods are closing the gap—and the U.S. may be in for a surprise. If they don’t innovate smarter, China could leap ahead. It’s not just about money—it’s about brains and strategy.

Other Cool AI News!

• OpenAI, Oracle, and SoftBank invest big in AI infrastructure

• Forget your regular tech investments; this one is packing some serious punch. Trump just announced a $500 billion joint venture with OpenAI, Oracle, and SoftBank to build data centers and power sources for AI in Texas. The goal? Revolutionizing everything from health records to personalized cancer vaccines. With $100 billion already in the bag, this is big money with even bigger promises.

• Scale AI hit with another lawsuit—workers claim trauma from disturbing content

• Scale AI's getting a legal wake-up call with its third lawsuit in a month. This time, it’s about workers suffering PTSD after being forced to review violent and abusive content. They’re asking for damages and new workplace safety rules. Looks like things are heating up for them.

• AI agents could be doing your to-do list by 2025, says OpenAI

• Get ready for your new AI assistant who will do more than answer questions—it’ll fill out forms and book your dinner reservations! According to OpenAI's product chief, Kevin Weil, 2025 could be the year AI agents step into the real world to take over simple tasks. Who needs a personal assistant when you’ve got a Ph.D.-level AI on the job?

• 74% of businesses crushing it with AI—what’s holding the others back?

• Deloitte’s new report says that 74% of enterprises are already killing it with generative AI, hitting or surpassing ROI expectations. But don't get too comfy—regulatory roadblocks and slow adoption speeds are still throwing wrenches in the gears. While AI is cutting costs and boosting efficiency like a pro, companies are wisely taking their time to get it right. No AI chaos here—just a lot of careful strategizing for big wins down the road.

WHAT ABOUT TODAY’S FORTUNE? SIDE HUSTLE OF THE WEEK 💸

Get Paid for Making Resumes Shine with AI Magic

If you’re tired of the usual side hustles that leave you questioning your life choices, this one's for you! Resume writing with AI optimization isn’t just easy—it’s lucrative, too. Grab your laptop and get ready to start helping people land jobs, one optimized resume at a time.

Overview of this Side Hustle: Resume writing with AI optimization is the ultimate blend of creativity and tech. You help clients stand out by writing ATS-friendly resumes and optimizing their LinkedIn profiles using tools like ResumAI. With job competition tougher than ever, your services can be the golden ticket for landing that dream job. Plus, it’s a great side hustle that taps into the booming gig economy.

Startup Cost: You’re looking at a pretty low investment here—maybe $50–$200 for tools like Rezi AI, ResumAI or LinkedIn premium services. Plus, if you already have a computer, internet, and basic writing skills (even if your “writing” is just texting your friends), you're pretty much good to go. With just a couple of tools and a little know-how, you’re off to the races.

Capital Intensity: Minimal! You don’t need to break the bank for this side hustle. A monthly subscription to AI-powered tools might cost you $30–$100, but everything else is about using what you’ve got—time and a good understanding of the job market. A solid investment that won’t burn a hole in your wallet.

Interesting Growth Opportunities: This hustle has serious legs! As more people move online for job hunting, the demand for professional resumes and optimized LinkedIn profiles grows. You can scale this by offering additional services like career coaching, interview prep, or even running workshops. Plus, if you nail it, word of mouth can lead to a constant stream of clients.

Earning Potential: The earning potential? Off the charts! Charging $100–$300 for a killer resume and LinkedIn revamp isn’t unreasonable. If you work with 10 clients a month, you’re looking at $1,000–$3,000 a month with minimal overhead. And don’t forget, you can add extra charges for resume revisions or accelerated service.

Want to make serious bank without the burnout? This side hustle offers everything you need: flexibility, good pay, and a chance to work with real people. It’s time to put those writing skills to use and start earning from the comfort of your own couch.

This newsletter is for informational purposes only and does not constitute investment advice. The content is based on publicly available information, and the author makes no representations about its accuracy or completeness. Readers should conduct their own research before making any investment decisions.