Here's Your Fortune: Finance Playbook, Boomers Struggle, AI Transforms HR, and House Flipping Secrets

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 1,749 words (~5 minutes). Don’t be lazy… let’s get rich!

Cool Fact: The AI That Thought Plant Beverages Were the Next Big Thing. In 2021, an AI created to pick the best stocks ended up heavily investing in a company selling watered-down "beverages" for plants. Yes, you read that right—juice for plants. As one might guess, the company didn’t exactly take off, and the AI’s investors were left scratching their heads. Sometimes, it’s better to let the plants drink on their own.

Today’s Digest: 

1. NEW VIDEO 👉🏼 What to Do With $50k, $300k, or $1M+ in Income (Step-by-Step Playbook)

2. Boomers Cashed In on Housing, But Now They’re Stuck. Find out how boomers' housing choices are coming back to haunt them.

3. AI’s Big Impact on HR—and the Training Gap Companies Need to Fix. Find out why teaching AI is just as important as using it in HR.

4. From Run-Down to Riches: Your Guide to Flipping Houses for Profit. Learn how to turn fixer-uppers into profits.

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.

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

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

6. Check out KENNY FINANCE for other videos

TOP STORY

The Retirement Housing Crisis Nobody Talks About

Baby boomers played the housing market like pros. They bought low, watched their property values skyrocket, and became the ultimate winners of America’s real estate game. But here’s the plot twist: as they approach retirement, the very system they profited from is turning on them.

Millions of boomers are sitting on houses that are too big, too expensive, or downright inaccessible for their needs. Stairs? A nightmare. Tiny hallways? Forget about it. And the kicker? The accessible homes they need are nowhere to be found because, for decades, boomers fought to keep neighborhoods the way they liked them: full of big single-family homes with no room for apartments. Oh, the irony.

Take Florida and Arizona—classic boomer hotspots. Rising insurance costs, climate disasters, and a lack of affordable housing have turned these retirement dreams into stress-filled realities. Many can’t even sell their homes without downsizing to something equally unmanageable—or unaffordable.

The Bigger Picture

It’s not just a boomer issue. As the first wave of boomers turns 80 in a few years, the strain on housing and elder care will affect everyone. Fixing this means building more accessible homes and rethinking restrictive zoning laws. Because if boomers, with all their home equity, are struggling now, what does that mean for everyone else?

Resolution

Baby boomers may have shaped the housing market, but now they’re stuck in it. The solution isn’t about blame—it’s about action. By creating more accessible, affordable housing and addressing the needs of an aging population, we can ensure everyone has a place to call home, no matter their age. It’s time to fix what’s broken—for boomers and beyond.

BITS OF GOLD

• $100 million Black Friday sales despite the ban threat

• TikTok Shop just crushed Black Friday with over $100 million in sales—yep, you read that right! Despite the looming possibility of a ban, TikTok’s U.S. shopping arm is thriving, with a 165% spike in shoppers between Black Friday and Cyber Monday. Even with all the drama about national security and possible shutdowns, TikTok isn’t slowing down. With major brands like Crocs and Fenty Beauty joining in and live video shopping gaining steam, the app's becoming the new place to shop—and it’s only getting started.

• The holiday shopping trend that could leave you with more debt than gifts

• “Buy now, pay later” is the new holiday shopping hack, but it’s not as sweet as it sounds. More people are using these plans this season—spending billions on Cyber Monday alone—but it’s easy to overspend when you think that $100 sweater is actually just $12 a month. The catch? It can hit you with fees, interest, and potentially a credit card bill you didn’t expect. Bottom line: It’s fun until it’s not.

• Looks like the bulls are back!

• The VIX, Wall Street’s mood ring, dipped below 14 after the election chaos, and when that happens, stocks usually surge. On top of that, traders have been jumping in at the last minute, signaling some serious optimism. In fact, history shows that when these two signals align, the S&P 500 tends to see a 14.2% jump over the next year. It’s looking like smooth sailing ahead for stocks—unless something crazy happens (but who knows in 2024?).

• America’s biggest private company cuts jobs—here’s why

• Cargill, America’s largest privately held company, just announced it’s saying goodbye to 5% of its workforce, which translates to about 8,000 people. Turns out, food prices aren’t as wild as they were during the pandemic, and Cargill’s profits took a nosedive. The company’s been feeling the heat from falling beef prices and fewer cows to process. But don’t worry—while some employees are out, Cargill’s still hiring for tech and engineer roles. Guess they’re beefing up the future in more ways than one.

🏠💸TASTE OF THE FUTURE WITH AI

How AI Will Impact HR—and the Training Blind Spot Companies Are Missing

Hold onto your HR hats—AI is crashing the HR party, and it’s bringing a ton of changes. A new study shows that 60% of big companies with over 5,000 employees are betting that AI will totally overhaul talent acquisition in the next 12 months. After that, 50% expect AI to mess with employee relations, and 40% are all-in for performance management getting a major AI makeover. Basically, HR’s about to go from 0 to 100 in AI speed.

Jason Averbook, the HR strategy mastermind at Mercer, says HR is basically the perfect playground for AI—automation galore! AI can take over those mind-numbing, repetitive tasks that no one wants to do. “Every HR job is made up of tasks,” says Averbook, like he’s about to reveal the secret formula for HR world domination. In theory, AI’s role in HR should be like giving HR a super-powered intern that never asks for a raise. But here’s the catch—companies might be setting themselves up for failure if they don’t change up how they’re training employees on this.

Here’s where the plot thickens. According to Mercer’s study, about 70% of companies are busy teaching their teams fancy AI terms and jargon—but that’s only one piece of the puzzle. Only 30% are showing employees how AI will actually change their jobs. Yes, knowing the lingo is cool, but understanding how AI will flip your workday upside down? That’s the real magic. And without it, employees are going to feel like they were handed a shiny new toy without instructions.

Averbook warns companies that they’re missing the boat if they focus only on the tech side of things. The real secret sauce is showing employees how their day-to-day will change. “There’s a massive need for education around change,” he says, like it’s the most obvious thing ever. If people don’t get it, you’ll have a room full of confused workers watching AI do its thing while wondering when they’ll get replaced by a robot. Spoiler: it doesn’t have to be that way.

So, here’s the takeaway—AI in HR isn’t just a cool tech trend; it’s a complete shift in how we work. Companies need to think bigger than just training employees on technical AI skills. If they want AI to succeed, they need to teach employees how to embrace it and, more importantly, how it’ll change their job. The companies that nail this balance will be ahead of the game, while the ones who miss it will be playing catch-up in a world that’s moving fast.

Other Cool AI News!

• Amazon’s Nova models could change the AI game

• Amazon is diving into the AI world with its new Nova models. From the budget-friendly Nova Micro (text-only) to the powerhouse Nova Premier, these models promise to shake up everything from video creation to complex reasoning tasks. With AWS already raking in $27.4 billion in revenue, Nova could give Amazon the upper hand in the AI race.

• AI-powered fraud and cyberattacks are on the rise

• Get ready for a wild ride in 2025—AI-powered fraud and cyberattacks are on the rise! As hackers use AI for everything from phishing to deepfakes, data centers are becoming prime targets. Governments may need to revamp IDs to stop identity theft and don't be surprised if internal fraud gets a tech upgrade too. With data breaches, ransomware, and AI scams making headlines, it’s clear—cybercrime is only getting smarter and more dangerous.

• AI and blockchain: the ultimate tech power couple

• AI and blockchain are teaming up to make tech less "big corporation" and more "everyone can play." Blockchain’s decentralizing AI development means small businesses and regular folks can now build, invest in, and benefit from AI. Talk about a level playing field!

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

Flip It Like It’s Hot: How to Turn Old Houses into Major Profits

What if you could buy a house, give it a makeover, and sell it for a sweet profit? No, this isn’t an HGTV fantasy—it’s the real deal of house flipping! Get ready to dive into the world of renovations, real estate, and turning those “ugly ducklings” into cash cows.

Overview of this Side Hustle: Flipping houses: it’s like being on a real estate makeover show, except the drama is real, and so are the numbers. You buy a rundown property, add a little TLC (and a lot of paint), and sell it for a profit. The twist? You get to play HGTV star while simultaneously growing your wallet. But, beware—this side hustle isn’t all fun and games. You need some serious time, skill, and cash to make it work!

Startup Cost: Flipping houses isn’t for the faint of heart, especially when you’re talking about the price tag. On average, the cost to buy a house to flip can range from $50,000 to over $200,000 depending on location and condition. Then, add another $20,000 to $50,000 (or more) for renovations. So, yes, you’ll need a hefty sum to start, but hey—no one said making money was cheap, right?

Capital Intensity: This side hustle is like a money pit, but in the best way possible. With house flips, you’re sinking money into buying, renovating, and holding onto the property while you wait for your profit. In fact, a typical flip can take anywhere from 3 to 6 months to complete. Expect a large upfront investment, but if you’ve got the capital, it can pay off big.

Interesting Growth Opportunities: The cool part? House flipping isn’t just about buying and selling—it’s about turning dilapidated homes into profitable masterpieces. And the more experience you gain, the better your ability to spot underpriced properties or “hidden gems.” Plus, you can always expand your hustle by flipping multiple houses at once or diving into other real estate investments like rentals or commercial properties.

Earning Potential: House flipping can turn you into the next real estate mogul if you do it right. On average, successful house flippers make a profit of $40,000 to $50,000 per project after expenses. In prime markets, it can even be much higher. Of course, if you misjudge a project, it could turn into a money pit rather than a treasure chest—but hey, high risk, high reward!

Flipping houses could be your ticket to real estate riches—if you’re willing to put in the work! Keep your eye on the prize, stay smart with your investments, and soon, you could be flipping homes for big profits. Now, who’s ready to turn some fixer-uppers into cash?

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.