If you want a more unique European vacation, plan a trip to Slovenia.
Whether you travel frequently or once a year, it can be difficult to determine which places are worth visiting.
To help you narrow down your list (or discover something new), Business Insider asked travel planners about the more under-the-radar destinations their clients are asking about for 2025.
Here's what they said.
Sri Lanka is a bucket-list-worthy destination.
Kimberly Denison, a Virtuoso travel advisor and the founder of Denison Travel, said more people are setting their sights on Sri Lanka.
The South Asian country is home to a plethora of beaches and rainforests, making it easy for travelers to explore the scenery through engaging activities like hikes or surfing sessions.
"Most people don't realize howgeographically diverse Sri Lanka is and that it makes it a wonderful destination for folks who enjoy having a wide range of scenery and experiences without extensive amounts of travel in between," she told BI.
Istria is making a name for itself with high-quality cuisine.
Although the Dalmatian Coast is typically top of mind in Croatia, Molly Arena, a luxury travel advisor at Fora, said to keep an eye on Istria.
The region, located on a northwest peninsula of Croatia β which also shares land with Italy and Slovenia β has everything from medieval towns to beautiful beaches to explore. However, it's perhaps best known for its offerings for foodies.
"Rising interest in culinary travel fits perfectly with Istria's offerings of truffles, olive oil, and wine," she told BI.
It's also a nice alternative to the often crowded European regions of Tuscany in Italy and Provance in France.
Bhutan's decreased tourism tax is enticing.
Bhutan, a small country bordering India and Tibet, offers adventurous activities like river rafting excursions, hot-stone baths, and hiking trails. However, Rochelle Hathaway, a travel advisor at Fora, said the destination is also known for its tranquil atmosphere.
One of the highlights of the country is its dzongs, which are fortified monasteries with intricate architecture.
Some countries charge tourists a fee to visit and access local amenities, stores, restaurants, and accommodations. That's true for Bhutan, but in recent years, the country has decreased its tax rate from $200 a day to $100 a day.
Hathaway predicts this will help to attract more tourists in the new year.
Some tourists headed to Indonesia are skipping Bali and heading to Java instead.
Lael Kassis, the vice president of marketing innovation and development at EF Go Ahead Tours, said she's seeing more clients booking trips to the Indonesian island of Java.
"Travelers are slowly discovering there is a lot more to Indonesia than just Bali," he told BI. "The Island of Java β filled with culture, history, and volcanoes β is just a quick trip from Bali and easy to combine when traveling."
In particular, Kassis said, the Borobudur Temple and Bromo Tengger Semeru National Park are sites attracting tourists to Java.
Uruguay is a vibrant destination for tourists.
Arena told BI that Uruguay is a hot spot for art and culture.
The historic quarter in Colonia del Sacramento is even a UNESCO World Heritage Site. Beyond that, though, the country is also known for its beautiful beaches.
Slovenia seems likely to attract outdoorsy tourists.
Travelers are increasingly seeking destinations where they feel they can do and see it all. Because of that, Denison anticipates a boom in Slovenia tourism within the next year.
Slovenia is fairly small but also geographically diverse, making it easier for visitors to see a lot of the country β and its many different landscapes β in a short period of time.
"Boasting mountains, lakes, vineyards, and the Adriatic Sea all in a compact and uncrowded setting, it offers the kind of exclusive, personalized experiences that today's travelers crave," she said.
One Georgia high school has gone all-in on artificial intelligence.
Students at Seckinger High School learn math, science, English, and history through an AI lens.
Teachers say students are more engaged and better prepared for the jobs of the future.
Prior to joining the faculty at Seckinger High School, art teacher Megan Fowler's only experience with anything even resembling artificial intelligence was a single graphic design class in college.
But as her teaching career progressed, "I just felt like what I was teaching was not necessarily applicable to students' future careers," she told Business Insider.
Now, Fowler, who is in her 13th year of teaching, uses AI every day. Whether she's teaching students how to use large language models like ChatGPT as an artistic thought partner, introducing kids to the ethical considerations of generative art, or spearheading AI-centered professional development content for fellow teachers, Fowler has fully submitted to the power of machine learning.
Seckinger High School, located in Gwinnett County, Georgia, opened its doors in August 2022, right as AI went big. The public school, with an enrollment of about 2,000 students, operates like any other public school in Georgia's largest school district, with one critical distinction: Students at Seckinger learn all the standard fare β math, science, English, and social studies β via an AI-embedded educational experience.
With outside help from tech partners and community collaborators, including Google and Microsoft, as well as higher ed experts and school district leaders, Gwinnett County Public Schools created an "AI-ready" framework for Seckinger students, replete with six components ranging from technical proficiency to ethics, said Sallie Holloway, director of artificial intelligence and computer science at the district.
"Our students are making connections to their future that is not as common in other schools," Holloway said.
Teachers and administrators at the school see it as their responsibility to prepare students for the jobs of the future, many of which will require advanced knowledge of AI, four Seckinger educators told BI.
And it's an approach that is likely to pay off, according to education experts.
Bree Dusseault, managing director at the Center for Reinventing Education, cited an Institute for the Future statistic that approximately 85% of the jobs that will be available in 2030 don't yet exist.
Seckinger staff members explain the school's AI approach using a water-based metaphor. Students can choose to swim, snorkel, or scuba dive in the oceans of AI.
"We like to say that all of our kids are swimming in AI," said teacher Jason Hurd, who heads the AI career and technical education pathway at Seckinger. "They are exposed to it, have access to it, see it integrated into their lessons across all content areas at school."
Next are the snorkelers, students who want to dive a bit deeper into the tech. They might take an AI elective class or join the robotics team.
Scuba divers, meanwhile, are the students who opt to enroll in the school's AI pathway, which immerses students to the nuanced mechanics of AI via three advanced courses. These students finish high school prepared to go into a specific field involving AI, Hurd said.
AI integration at Seckinger looks very different depending on the class, subject, and teacher.
For example, Scott Gaffney, a social studies teacher, uses AI to teach students historical problem-solving. In one instance, Gaffney presented students with an outbreak of cholera in 1854 London and asked them to use AI to map the spread via dot distribution. The students then used AI to analyze the data and pinpoint the nexus of the outbreak to a specific street, he told BI.
"Gen Z processes information way faster than previous generations," Gaffney said. "It's fun to present them with a challenge and task them to use AI to get the solution."
Hurd's AI pathway course covers everything from programming to applied reasoning to ethics.
"I tell students that some days it will feel like a math class, some days it will like a philosophy class, some days it will feel like a history class," Hurd said.
How it's working so far
The school, which is currently in its third year of operations, is still in pilot mode as the district waits to see what aspects of Seckinger's AI approach are ready to scale and share across the rest of the 142-school system, Holloway said.
But the anecdotal results thus far have been overwhelmingly positive, educators said.
"Kids aren't skipping class as much and there's a genuine interest in how teachers are teaching this content," Holloway said. "It's not a magic bullet, but they really are seeing an increase in engagement."
It helps that students at Seckinger generally feel like they knowΒ whyΒ they're learning something and how it might help them down the line, teachers said.
While there was some early community skepticism around Seckinger's AI concept, educators said that parent attitudes have done a 180 in the last three years.
"Parents want their kids to go here, and kids want to be here," Fowler said.
Still in its infancy, the school has yet to graduate a cohort that spent a full four years at Seckinger. Hurd, who runs the AI pathway, said he's gotten great feedback from former students who have gone on to enroll at Georgia Tech. Similarly, Fowler said she's seen some students go on to study digital art or user experience after graduating from Seckinger.
Looking to the future
Part of the fun β and challenge β for Seckinger teachers is staying up-to-date with the rapidly evolving technology. When the district first began discussing the idea behind Seckinger in 2019, ChatGPT had yet to be released. Today, it has over 180 million users.
"Algebra has always been algebra and will be forever," Hurd said. "But the field of AI is constantly changing.
While some schools and districts are taking a hard-line approach to dealing with AI in education β banning tools like ChatGPT or Gemini from school servers β Seckinger staff are excited to see how their students can use AI to one day change the world.
"There were once things called Google and Wikipedia that people thought would ruin education," Gaffney said. "They haven't. They've actually sharpened our future leaders."
After 20 years, my husband blindsided me and said he wanted a divorce.
Facing a future I never imagined, I booked a solo trip to Belgium, which ignited a new love of travel.
Since then, I've traveled to 21 countries, embracing new adventures and discovering new joys.
"My soul is deeply unhappy. I want a divorce." He said abruptly, with no softening of the hammer he'd just dropped.
My husband of nearly 20 years dumped me unceremoniously on an otherwise unremarkable Friday evening in January. We'd spent the day together, running errands and sharing fries at lunch. Sitting down to dinner in our dining room, I'd asked if he was okay. He'd been distant lately, but I hadn't seen this coming.
The day after he left, I was on my friend's couch sobbing until I couldn't breathe, while she rubbed my back. "What do you want your next chapter to look like?" She asked.
I didn't know what kind of music I liked, let alone how to rewrite a life whose chapters had long been written. For years, I'd let my daughter or husband choose the soundtrack while I rode along, abandoning myself to the roles of wife and mother. When we divorced, I didn't just lose my marriage, my co-parent, my "person," I lost the roadmap to the future we'd planned so diligently, together.
"I don't know," I told my friend. "I think I want to travel." But I'd never traveled alone, and I didn't know if I was brave enough to do it as a 50 year old single woman.
The timing was actually right
The divorce came at personal trifecta: I had no job, my daughter's enrollment in boarding school left barren the nest I'd feathered, and I was turning 50. Soon after, I returned to the workforce as a school administrator. My job anchored me.
With Thanksgiving approaching, I faced five and a half days alone, as my soon-to-be ex-husband had our daughter for the holiday. Hands shaking, I booked a plane ticket. My destination criteria: flight time under eight hours and $700 and a country I hadn't visited. I flew to Belgium.
In Brussels, I wandered cobblestone streets bedecked with hanging greens and Christmas lights, watching as workers erected a huge tree at La Grand-Place. I sampled buttery chocolate from artisanal shops and salty frites from stands whose windows opened to the street. I daytripped to Bruges and took a self-guided walking tour along the charming canals. As I wandered, a veil of contentment draped itself over the ache of this lonely holiday.
A new year, a new adventure
The following Thanksgiving, alone again and with the same criteria, I traveled to Portugal. On a food tour, I sampled savory salt cod mixed with mashed potatoes; creamy, custardy, pasteis de nada tarts; and ginjinha, a sour cherry liqueur infused with cinnamon. I took trains to the Seussical-like Pena Palace in Sintra, and to Porto, where I learned how port wine was made. Navigating train schedules and solo dining slowly flexed a growing travel muscle.
Traveling made me feel empowered
Over time, I grew braver, traveling further afield, eventually finding myself in Kathmandu, Nepal for a writing workshop. There, among marigold leis and prayer beads, I met a community of creatives who became close friends. As we walked in meditation around the watchful eyes of Boudhanath Stupa, in step with the Tibetan Buddhists who held it sacred, I felt at peace for the first time since the breakup.
In the six years since my husband left me, I've traveled to 21 countries and my 50s look nothing like I'd imagined they would. I've bathed in thermal baths in Budapest, floated down the Mekong River in Laos, hot-air ballooned above the otherworldly landscape of Cappadocia and foraged for cloudberries in Finland. I've found my footing in the world, choosing adventures he wouldn't have favored. I'm grateful for my divorce. From the wreckage, arose a life more robust and fulfilling than I'd ever dreamed possible.
Traditional luxury vacations are evolving as the travel industry expands.
Gen Zers now have more of a say, changing how the wealthy travel.
From 'coolcations' to hyper-specific wellness getaways, these are the new trends to know.
Who cares about luxury bags, watches, or coats when you can put that money toward your next lavish trip?
That seems to be the thinking of some wealthy consumers right now, as demand for luxury goods slows, but travel and experiences continue to gain traction, according to Bain's latest deep dive into the luxury industry.
The type of people spending more on travel is also changing. Notably, younger, aspirational travelers are entering the mix. They want to ensure their trips are stress-free, value-oriented, and full of high-end experiences.
With the industry expanding and younger generations coming into the fray, the classic luxury holiday involving lounging around a 5-star hotel by the beach isn't quite cutting it anymore.
Here's a closer look at luxury travel trends that are picking up speed heading into the new year:
Social media is dictating wealthy travelers' itineraries, thanks to Gen Z
Inspired by social media and what they want to post on their Instagram and TikTok accounts on holiday, younger travelers are becoming more opinionated about the activities they want to do and the destinations they wish to visit.
Julia Carter, the founder of the luxury travel agency Craft Travel, told Business Insider that the phenomenon has become increasingly pervasive. Now, roughly 80% of family trips her company organizes are influenced by Gen Zers, who suggest destinations and activities based on what they've seen on social media.
"It's definitely the hotels that they're most interested in," Carter said. "You can go to London or Paris, but unless you get these money shots, as they say, how do you show that you really did it in style? The hotel is the proof."
Health and wellness are top of the holiday agenda
Wellness tourism is growing, and it's getting a lot more specific, according to luxury travel network Virtuoso's 2025 trend report.
From genetic testing and menopause therapy to virility treatments and brain-boosting, luxury hospitality venues tapping into wellness tourism are popping up around the world, the report said.
Slow travel isn't going anywhere
Black Tomato has also seen demand increase for what it dubs "silent travel," whereby clients who predominantly live in big cities seek intentional, quiet resets away from the hustle and bustle.
These vacations can last as long as a month, aligning with the already popularΒ slow travel movement, which has seen people crave longer and less rushed holidays.
Samy Ghachem, general manager of La Dolce Vita Orient Express, told BI that he calls the movement "slow cruising" and said it originated shortly post-COVID-19.
Since then, Ghachem said: "People have developed an appetite, an interest, a desire to slow down, to increase the quality of the experience, and to appreciate that experience more."
The rich are paying to 'get lost' on vacation
One of the quirkier trends set to pick up speed is a desire among travelers to challenge themselves in the wild.
As Scott Dunn, a luxury travel agency founded in the UK, reports in its "What's Hot for 2025" report, there's a growing interest in remote experiences with clients seeking "to step out of their comfort zone, and use travel as a medium for discovery, deep immersion and transformation."
Black Tomato offers a "Get Lost" service, where clients are challenged to find their way out of a remote destination while being monitored by a support team.
Travelers who book the service often don't know the terrain or what they will be required to do upon arrival, but that appears to be exactly the point.
Travel agent Fora told BI it's seen a 324% increase year-over-year in bookings across top-booked all-inclusive brands in 2024. Scott Dunn also listed the luxury all-inclusive as a key travel trend for 2025.
While convenience and the feeling of luxury for decent value are big draws, all-inclusive resorts that offer more than relaxing by a beach are among the most popular options.
As Scott Dunn reports, clients are booking all-inclusive venues that "go beyond the typical 'fly and flop' beach hotel to encompass everything from safari camps and remote lodges, to cruise journeys and wellness retreats."
Wealthy travelers pay big bucks for unique experiences
From flying to Texas for the best views of the solar eclipse this year to heading to Australia to catch a glimpse of the rare pink Lake Hillier or the Namib desert for the fairy circles, Black Tomato and Scott Dunn report seeing an uptick in clientele crafting itineraries around "once-in-a-lifetime" moments in nature.
The trend aligns with the "last chance tourism" trend that Will Bolsover, founder and CEO of Natural World Safaris, told BI is gaining momentum.
"We're seeing more of our clients booking trips and requesting experiences because they know they might not always be available," he said. "Sometimes these requests are related to specific iconic locations that are at threat of climate change, such as travelers wanting to see Mount Kilimanjaro while there's still snow at the peak and seeing Antarctica before the ice melts," he added.
They're swapping the beach for 'coolcations' in the summer
Some wealthy travelers are booking escapes to destinations known for cooler summer temperatures, a switch from the traditional desire to head to the beach.
Scott Dunn, for example, reported a 26% increase in bookings for trips to Finland and Norway this summer, while Luggage Forward, a global door-to-door luggage delivery service, said it's seeing more of its clients head to cooler destinations.
"With most of our clients being US city dwellers, we are seeing a rise in their interest in more remote, colder countries," Luggage Forward's co-CEO Audrey Kohout said. "This kind of travel is more adventurous than your typical summer beach vacation, with outdoor winter activities like skiing being the focal point of many of these trips."
Luxury vacations offering access to racket sports are all the rage
Sports like padel and pickleball are growing in popularity in the US, and the desire to keep playing on holiday is taking hold.
According to Virtuoso's 2025 travel report, luxury resorts are increasingly building "state-of-the-art" courts and facilities for racket sports to attract wealthy guests.
Dubbed the "racketeering trend," pioneers of the sports/luxury travel combo include the British billionaire Virgin Group founder Richard Branson, whose exclusive Necker Island retreat now houses courts for padel, pickleball, and tennis.
Welcome back to our Sunday edition, a roundup of some of our top stories of the last week. I hope you're enjoying some well-deserved rest β or if you have a ton of unwanted gifts to return in person this weekend, good luck with those lines in stores.
We're skipping the dispatch today while we take a bit of time off ourselves, so let's get right to this week's reads.
If this was forwarded to you, sign up here. Download Insider's app here.
A year of Elon Musk's private jet travels
The private jets of the world's wealthiest man spent a lot of time in the air in 2024. BI used jet-tracking data to chart the 335 flights Musk's private jets have taken so far this year.
The results help show how extensively Musk has burrowed into Trumpworld and, alongside his coming advisory role to the new White House and millions of dollars in donations, provides another window into his growing political involvement.
Former OpenAI employee Suchir Balaji made waves when he spoke against the startup, discussing how it might be breaking copyright laws.
In November, the young engineer was found dead. The tragedy struck a chord, stoking conspiracy theories, grief, and debate. What do we lose when AI models gain? In an exclusive interview with BI, Balaji's mother offered clues.
Blake Lively's bombshell lawsuit against her "It Ends With Us" costar Justin Baldoni thrust crisis PR into the spotlight. Lively accused Baldoni, his publicist, and a crisis PR expert of smearing her in the press in retaliation for harassment complaints.
Details from the legal complaint offer a peek behind the curtain at the public relations industry. It's also giving the profession a bad rap, experts told BI.
Travelers are spending less on cheap Airbnbs. But high-end vacation rentals are booming, and that taste for luxury is pushing the short-term rental market to new heights.
And as demand booms, Airbnb's competitors are entering the fray. Some of them boast personalized experiences and 24/7 customer care β for up to thousands of dollars per night.
"My mindset has always been, look, I'll set a really high bar, but I'll not let the microevents or little things take away too much energy. That's made me better at my job."
The Insider Today team: Dan DeFrancesco, deputy editor and anchor, in New York. Grace Lett, editor, in Chicago. Amanda Yen, associate editor, in New York. Lisa Ryan, executive editor, in New York.
On my first international trip when I was 21, I got food poisoning.
I was sick for days in a room with no air conditioning, and my mom flew over to help me recover.
We ended up having an amazing few days together.
When I stepped onto my first-ever international flight, it was supposed to be the trip of a lifetime. I was finishing up my final semester at university and thrilled to join an exchange program in Italy, where I would spend a few weeks.
Then, six hours into the flight, I ate a dodgy chicken sandwich. While the two girls seated next to me enjoyed gin and tonics, I avoided their side-eyes while puking my guts up.
After the longest flight of my life β both figuratively and literally β I arrived in Rome feeling pretty shoddy.
I had been awake for over 30 hours, spending the last 18 or so vomiting and nauseous. To top it all off, it was 110 degrees in Rome and an hour after our flight we began a walking tour of the city. Not one to give up or cause a fuss, I tried my best to keep up.
Thirty minutes later, I passed out on the sidewalk.
I spent my first day in Rome in the hospital
Going to a hospital on your first day in a foreign country is an experience. There was only one doctor in the whole building who spoke English, and could barely get my consent for the blood tests, ECG, and ultrasound they performed.
Ruling out any serious medical issues, the hospital staff pumped me through with IV fluids and prescribed some anti-nausea tablets before sending me on my way.
While I felt a little better leaving the hospital, I just couldn't fully recover in the hot, sticky air of our un-airconditioned student accommodation. Days went by with me trying and failing to keep water down, and the program group was preparing to leave for Florence.
When I didn't know what to do, I called my mom
I was too sick to travel and too overwhelmed to figure out my next steps. So I did what any anxious 21-year-old would β I called my mom.
Before leaving for Italy, my mom had jokingly said she had a passport and would come over if I needed her to. Mind you, she only had a passport because she had attended a destination wedding with a large group of people a few years prior. A seasoned traveler, she was not. And yet, she got on the first flight she could to come and rescue me.
A few hours after our call, my mom was in the air and on her way to Rome. Living with autoimmune disease, and having never traveled overseas on her own, this was a huge feat. But I think she was running on pure momma-bear instinct.
I can't describe the immense relief I felt when I saw her.
After I recovered, my mom and I had an amazing few days together
Moving into an air-conditioned hotel room and having my mom at my side, I slowly began recovering. It took a few days for me to start feeling better, but with little sips of water and small bits of food, I eventually got my appetite and energy back.
Though I had been ready to call the whole trip off and come home, my mom wouldn't have it. We ended up spending a few days in Rome together, and it was the best experience.
We saw the Colosseum and the Vatican, ate pasta next to the Pantheon, and caught a glimpse of Trevi Fountain.
I don't think I would have had the chance to travel with my mom if it weren't for this trip. While it didn't go to plan, and I didn't finish the program I'd signed up for, I have the most spectacular memories walking the streets of Rome with my mom, and I wouldn't give them up for the world.
Photographers were there to capture every moment, from walks down the aisle to first looks.
Many of the most beautiful photos captured candid moments between newlyweds.
As the year comes to a close, newlyweds around the world are reflecting on their weddings.
Many are likely gazing at their wedding photos as they reflect on the best days of their lives.
There isn't one way to create a beautiful wedding photo, but the best shots of 2024 featured intimate moments between couples, colorful decor, and stunning scenery.
The best wedding photos of 2024 documented the love and joy of the occasion.
Nargis Aslan of nagi.graphy snapped a shot of a groom throwing his bride over his shoulder as they exited their outdoor wedding ceremony.
Their glee was clear in the picture, from their smiles to those of their guests cheering them on. A dog running out of frame adds to the carefree joy of the moment.
An aerial view offered a new perspective for some weddings.
Kayleigh Taylor Photography took to the skies to capture the full scale of an outdoor wedding by a massive tree.
She snapped the photo while the guests were still standing after the bride walked down a winding aisle made of flowers. The scene looks like something out of a fairy tale, from the secluded tree in the center of a field to the bride's veil flowing out onto the grass behind her.
Timing was everything for some pictures.
In Nicole Rae Photography's shot, a rainbow array of smoke bombs exploded behind two grooms as they kissed at the altar.
The smoke enhanced the existing colors in the scene, from the flowers framing them to a body of water in the distance.
Other shots highlighted the decor couples used at their weddings.
At first glance, the newlyweds inΒ Amrit Photography'sΒ shot almost look like they are walking through a snowy landscape. The bride's red lehenga pops against the pale backdrop.
The photo becomes more beautiful the longer you look at it as you take in the massive arch behind the couple and the flowers surrounding them.
Quiet moments between newlyweds made for some of the sweetest photos.
Lisa Ziesing of Abby Jiu Photography snapped a shot of a bride and groom hugging in front of a pink wall in a museum. The bride held her bouquet while they embraced.
The photo was taken through a doorway, so it feels like a peek at an intimate moment between the newlyweds.
Photographers documented once-in-a-lifetime moments with loved ones.
Intergenerational love between the bride and one of her family members is the star of this shot taken by Edward Winter of READYLUCK Photographers.
The bride and her loved one only had eyes for each other, grinning at each other with eyes full of emotion.
Glamorous locations made some wedding photos stand out.
A bride and groom posed on a beach in this photo from Darren and Shamakia Williams of DSW Photography.
The couple stood against a sandy formation, and their glamorous wedding attire contrasted with the natural beauty of the beach.
Other photos popped in black and white.
Michelle Pullman of St. Chelle snapped a candid, black-and-white shot of a bride dancing in a sparkly minidress at her reception.
Her friends laughed and danced around her, and the bride moved with carefree ease.
The best photos showed off the couples' personalities.
Lynn Lewis Photography's shot of a bride and groom grinning in the woods in their wedding attire is full of romance.
But the roller skates they added to their looks become the star of the shot. The bride kicked her foot up through a slit in her dress, showing off her white skates.
Some photos showed off the unexpected moments.
Henry Tieu Photography's shot of two brides holding hands would have been beautiful in any weather, as a mountain overlooks the beach they stand on.
But the rainbow soaring across the sky above them made the photo feel like one in a million.
Couples put their spin on wedding traditions in many photos.
In Love Is Rad's shot, a groom jumps out of a hallway to reveal himself to his bride for their first look in front of a rustic building. The bride typically reveals herself to the groom in a first look, so the contrast in their photo is fun.
The couple smiled and leaned toward each other, seemingly totally focused on one another.
Bridal attire was the star of many shots.
Fashion plays a big role in many weddings, as Samantha Clarke Photography spotlighted with this bridal portrait.
The bride stood on a staircase, and her dress cascaded behind her. Candles and flowers lined the stairs, coordinating with the bouquet the bride held in her hand. The shot oozes glamour.
The wedding guests' joy was clear in the pictures as well.
Paul Williams of Ginger Beard Weddings offered a new perspective on the end of a wedding ceremony, photographing a couple from behind as they exited their ceremony.
The couple raised their arms in excitement moments after they were officially married, and the angle spotlighted the intricate setting, the red and pink flowers decorating the space, and the guests supporting the bride and groom.
The settings for many weddings stunned in photos.
A couple's mountaintop adventure elopement was the subject of this photo taken by Sean Oblizalo of Vows and Peaks Photography.
You might see a couple holding hands and gazing at each other at any wedding, but the water and snow-covered mountain behind them took the photo to another level.
Joy shined through in the pictures.
The Wedding Toast snapped a shot of a couple during their wedding ceremony.
The groom adjusted his wife's necklace as flower petals flowed around them. They both wore quiet smiles, capturing the excitement of the day.
Floral backdrops made some pictures pop.
The beauty of the brides embracing in Terri Baskin Photography's shot is the focus, but the floral arch behind them makes them shine even brighter.
The flowers covering the archway created a subtle rainbow effect.
And most importantly, the love between couples was clear in every shot.
From their intimate embrace and their loved ones dancing around them to the groom's ring glinting as he holds his bride, the photo captures the love that fills a wedding day.
Reddit Answers is the social media site's new AI-powered search tool.
Reddit Answers uses AI to summarize information from posts.
We tried an early-access version. Here's what we found.
It's been a good year for Reddit.
The company went public to much fanfare. It has continued to grow in value as it makes its useful data available to AI companies like OpenAI and Google. It's also leveraging AI to refine its own search, muscling in on traditional search engines.
At an event in October, Reddit CEO Steve Huffman said users are already Googling "with the intention of ending up on Reddit."
"I think what's happening is people know that Reddit has answers, advice, perspectives on just about whatever you're looking for," Huffman said.
With this in mind, Reddit unveiled Reddit Answers earlier this month. The search tool uses AI to scour information from community posts and repackage it as a concise answer to a question. In its announcement, Reddit said the feature will provide information, recommendations, discussions, and "hot takes" based on questions submitted by users.
Reddit Answers is still in beta and is only available to "a limited number of users in the US," the company says. Reddit granted Business Insider limited access to try it out. Here's what we found.
How Reddit Answers works
Reddit Answers shows a large search box at the bottom of the screen where users can input their questions. After asking a question, Reddit's AI generates a summary followed by subsections with bullet points, each with hyperlinks to their source on Reddit.
The format of Reddit Answers is similar to the format of Google's AI overview, which is now found at the top of a Google search.
Business Insider asked each search engine the same questions about the best method for smoking brisket. Each search engine provided a summary followed by recommended techniques. Each technique in both summaries was followed by information with a hyperlinked source.
The notable difference between Google's AI overview and Reddit Answers is that all the sources linked in the Google overview went to sources outside of Google, including some to Reddit.
Reddit Answers struggled with recent news
Reddit Answers seems to work well for generalized advice like cooking tips, but it showed some difficulty with newsier items and sometimes makes mistakes in its summaries.
When asked, "Who won the New Orleans Saints game?" on Sunday, December 15, Reddit Answers said it could not find any information on the topic. When rephrased to "Who won the New Orleans Saints game today?" the site generated a summary from the New Orleans Saints vs Philadelphia Eagles game from September 22, three months prior.
Each summary that Reddit Answers generates ends with three recommended "subreddits" related to the topic.
Subreddits are individual pages dedicated to discussing a particular topic. For questions about the Saints game, Reddit recommended r/eagles, r/saints, and r/nfl.
BI also asked Reddit about the recent controversy surrounding actor Blake Lively. On December 20, Lively filed a complaint against her "It Ends With Us" costar, Justin Baldoni, accusing him of sexual harassment and conspiring to damage her reputation.
BI asked Reddit Answers on December 26, "Why is Blake Lively trending, and what are the key takeaways?" Reddit Answers responded with a one-sentence summary that said Lively had recently attended the "It Ends With Us" premiere on August 8 and listed some takeaways from the event.
The section that Reddit dedicated to the film's costars, Lively and Baldoni, did not mention any of their legal disputes. That section had one hyperlink to a Reddit post where one user commented on Lively's dress at the premiere five months earlier.
"Gorgeous. But I want someone to spill the Justin Baldoni sized tea. SPILL IT," the comment says.
Reddit Answers performed better on complex subjects that have multiple viewpoints
Reddit Answers was better at pulling together differing viewpoints from posts across Reddit about complex topics. BI asked Reddit Answers, for instance, "What are the pros and cons of a universal basic income?"
Reddit Answers responded with a summary that said universal basic income is "a hotly debated topic with strong opinions on both sides."
It listed three pros and three cons of a universal basic income. The pros were economic stimulation and poverty reduction, empowerment and freedom, and simplification of welfare systems. The consΒ were high costs and funding issues, inflation and market distortion, and work disincentives.
Each pro and con was followed by a link to one or two Reddit posts on the topic. Most posts linked to the pros (three out of five) came from the subreddit r/casualconversations. The other two posts linked to the pros came from r/neutralpolitics and r/basicincome.
Two of the linked posts for the cons came from r/askaliberal, and two others came from r/neutralpolitics. The remaining two reference links for cons came from r/askreddit and r/nostupidquestions.
Most of the linked reference posts for the pros and cons only included a link to the Reddit post from which Reddit Answers pulled its information. Some of those Reddit posts cited other publications. One referenced a Stanford University article, while another included a broken link to an Encyclopdia Britannica webpage.
All the Reddit posts that Reddit Answers linked to as sources for the universal basic income question were at least six months old. The oldest post was six years old and was linked as a source three times on the page.
All told, Reddit Answers has the potential to quickly summarize Redditors' views on diverse and complex topics, but it appears to have some learning to do itself before it can truly compete with Google.
Brenna Lasky, 34, spent eight years working in recruiting for Meta, Google, and Salesforce.
Lasky now has a career coaching business and shares insights for applicants struggling to land jobs.
She suggests fixes for applicants struggling to get past certain stages of the application process.
This as-told-to essay is based on a conversation with 34-year-old Brenna Lasky, who worked in recruiting at Google, Meta, and Salesforce. Her identity and employment have been verified. This story has been edited for length and clarity.
I spent eight years recruiting for tech companies, including Meta, Salesforce, andΒ Google. I learned a ton about what hiring managers are looking for.
Prior to working in Big Tech, I really struggled with my own job search process and received rejections. I was mass-applying. I was playing a numbers game. I wasn't revising my resume. With each application, I was just sending it out and hoping for the best.
I launched a career coaching business in September to help job seekers understand where they might be missing the mark and how they can get into Big Tech. My goal is to help demystify the job search process and understand what it takes to get into companies.
If you're applying to roles but find yourself getting stuck at one of these points in the application process, I would encourage you to take a step back to understand where you may need to make adjustments.
I also always suggest to clients that I work with, if you do know someone who works at a company that you want to work with, definitely reach out to them. If you can get a referral, especially in Big Tech, that will help you. That being said, referrals aren't a guarantee for getting a job. Your referral isn't going to be there holding your hand or doing actual interviews with you.
There's pretty much a guarantee that there are four common questions that you'll be asked in recruiter screens:
Tell me about yourself.
Why are you interested in this position or company?
Why are you looking for a new role?
What are your salary expectations?
Rather than simply relaying your experience, connect the dots for your recruiter on why you're a good fit for the role and why they should move your application forward. A mistake a lot of people make is they rely too much on their past experience. I always recommend that applicants speak to the job that they want to have.
If you're not making it to the final round
After the screening call, you'll typically do a 30-to-45 minute hiring manager screen. They'll give you the goals of the team and what they're looking for. Then, that hiring manager will decide if this is someone they want to move forward with.
Once you meet with the team, you'll typically meet with two to four decision-makers with whom you'd work daily. Those interviews are typically geared toward behavioral questions and technical skills.
I always suggest coming up with five to six stories that highlight your impact and achievements as evidence as to why you're a great fit for the role. I like this number because it gives you a broad enough range to pull from depending on the questions, but it's not so overwhelming that when you're on the spot, you panic and try to go through 20 different examples.
To understand what examples to speak to, I would suggest going back to the job description and looking at the bullet points or the minimum qualifications. For each one of those bullet points, come up with an example of how you were able to help solve that problem.
When my therapist suggested decluttering might ease my anxiety and OCD symptoms, I was skeptical.
I decided to try it and started looking for a method that might help me with the process.
It became easier when I focused on what to keep rather than what to get rid of.
Anxiety and OCD had been manipulating my life like puppet masters for almost two years when my occupational therapist recommended trying decluttering to help ease my symptoms. At that point, though I'd noticed some improvements from a year in therapy, I'd also been struggling with a few health conditions, including long COVID, and felt like I was trudging along.
Over time, I'd become afraid of leaving my own home as I was petrified of getting sick again. My life often felt meaningless and unrecognizable. I couldn't see how getting rid of some belongings could help. Despite my skepticism, I was desperate to feel like myself again. I yearned for my home to no longer resemble an obstacle course.
My therapist helped me see why the clutter was such an issue
My apartment was already cluttered and stressing me out, and then my mom moved; everything I had stored in her garage was suddenly in my living room. My son and I had to create pathways among the boxes to move from one room to another.
"You're repeatedly having to step over your past β you're being reminded of it every day," my occupational therapist said. He had summarized in one sentence exactly why I'd been unable to move forwards. I started decluttering immediately after that appointment.
I tried a few different decluttering methods
I looked for a system to help me along the way. The KonMari method caught my eye first, but my sentimental nature decided that everything sparked joy β even a bag of rocks. I'd spent decades giving objects the same sentimental value as the memories they represented, and now, it was hard to get rid of them.
The four-box method β sorting items into boxes labeled keep, donate/sell, storage, and trash β also didn't work for me. When indecisiveness caused by my anxiety took over, almost everything ended up in the storage box, which I basically saw as a "maybe" box. All I ended up doing was pushing it around the apartment. I worried I might regret getting rid of something, so I decided it was safest to get rid of nothing.
However, through working with my occupational therapist, I realized guilt played a part in my holding onto some things β as though getting rid of an item would also mean getting rid of that memory. So, I took a deep breath and prepared to be ruthless.
Reframing the process of decluttering helped me tackle it
The next method involved deciding what to keep instead of what to get rid of. This mindset shift made the decluttering process more enjoyable; it was easier to focus on items I treasured than those I would get rid of, even if the end goal was the same. Inspired by decluttering blogs, I also considered whether I would buy the item now if I didn't already own it to help me decide how much I wanted anything I wasn't sure about.
Whenever I struggled with indecisiveness (which was often), I remembered that my home should β and could β be a place where I relax, rather than a cluster of clutter and unmade decisions.
With each carload donated to charity, the stress began to leave my body. The catharsis of releasing my grip on each box as I handed it over gave me the calmness and clarity I craved. I was giving myself permission to move on β permission to stop letting my past rule my present and future.
It wasn't totally smooth sailing, but I eventually got it done
I hadn't been prepared for when OCD tried to control the situation, though. After a few weeks, I began to feel on edge if I didn't declutter a certain amount of items each day. When I realized what was happening, I forced myself not to declutter for a few days, so I could calm the OCD and return with the right mindset.
A few months into the process, as I continued to declutter my apartment, my sleep improved, and my energy levels increased. I experienced fewer anxious thoughts, and when they did occur, I had the energy to rationalize most of them.
I was untangling myself from the burdens of my past as I removed their physical manifestations from my apartment, freeing up the space in my home so I could finally relax, and giving myself something to focus on other than my spiraling thoughts.
After decluttering, I feel relieved
Although I don't believe decluttering opened up a magic portal to my recovery, I have no doubt it helped tremendously. I managed to declutter most of my belongings in what felt like an act of liberation. I've only kept things that I either need or treasure.
My home isn't picture-perfect, and neither is my mental health. But I'm happy. It took me 21 months to finish decluttering my home β I had to pace myself as I couldn't do it every day, or for hours at a time. I finished completely about nine months ago. And in the time since I first started, I've gone from having severe anxiety and being incapable of leaving my home without prior planning, to living a life I can honestly say I adore.
By working with my therapist, reading self-help books, decluttering, going for daily walks, meditating, journaling, and rediscovering the things that bring me joy, the symptoms caused by my anxiety have lessened. I also received support from loved ones, improved my food choices, and developed a morning routine that gives me a feeling of purpose again.
Although anxiety and OCD are still unpaying tenants in my mind, they don't have the level of control they did before. By getting rid of the things that brought me anxiety, I've created space for the things that bring me joy.
10 Goldman Sachs partners shared the books, speeches, and plays that inspired them this year.
President John Waldron recommended a book about Dwight Eisenhower that taught him about leadership.
See what 9 other Goldman execs said made them better leaders, industry experts, and humans in 2024.
Goldman Sachs' top brass are revered as some of the sharpest minds on Wall Street β but staying on top of your game takes work.
As 2024 comes to a close, Business Insider asked 10 senior officials of the powerhouse global investment bank β a leader in M&A dealmaking and advice β to share at least one thing they read, watched, or listened to that made them smarter and better at their jobs over the last year.
One Goldman partner recommended a play that helped her think about the long-term impact of her actions. Another partner touted a lecture by a famous philosopher on the importance of organizational trust that can be streamed from Spotify.
As Carey Halio, Goldman's global treasurer, put it, learning is an "endless" pursuit for leaders of the bank, which ranked No. 1 in M&A volumes last year, according to deal tracker LSEG.
"The more you can expand your knowledge base, the better you will be at your core function, the more you will be able to connect the dots and the more effective you will be as a leader," Halio told BI.
Here's what top Goldman executives like President John Waldron, Vice Chair Rob Kaplan, and M&A cohead Stephan Feldgoise shared as their top recommendations from 2024. The responses all come from Goldman partners, the bank's highest rank outside the C-suite. They are in the partners' own words, edited only for length and clarity, and are organized alphabetically by last name.
Jared Cohen
Title: President of Global Affairs and cohead of the Goldman Sachs Global Institute
Recommendation: "The Guns of August" by Barbara Tuchman and "A Peace to End All Peace" by David Fromkin
Why: Earlier in my career, I found that you couldn't truly understand World War I without reading these books. Now, they help me make sense of the world we're living in. Tuchman offers a sobering reminder of how quickly things can fall apart. Many leaders took peace in Europe for granted in 1914, as they did in 2014 and even 2022, with devastating results. Fromkin is especially worth reading this year after the fall of the brutal Assad regime in Syria. That country's borders emerged in large part as a legacy World War I.
"A Peace to End All Peace" details the history behind the headlines, and it remains a key text for anyone trying to understand one of the world's most challenging but amazing regions.
Stephan Feldgoise
Title: Cohead of Global M&A
Recommendation: "The Confident Mind" by Dr. Nate Zinsser
Why: Dr. Zinsser teaches performance psychology at West Point, working with members of the military who need to perform and excel in high-stress situations.
I found the concepts around preparation and mental positivity to be useful for me personally but also highly valuable in mentoring and developing the next generation of Goldman Sachs leaders as they move into roles where they face performance challenges in high-stress environments.
Most valuable were the very specific and learnable techniques that can be taught to next-generation leaders to build confidence and improve performance.
Gizelle George-Joseph
Title: COO of Global Investment Research
Recommendation: "The Promise of Leadership," readings curated by the Aspen Institute's Finance Leaders Fellowship
Why: A selection of readings curated by the Aspen Institute's Finance Leaders Fellowship as part of the final week-long intensive seminar had the most significant impact on my leadership this year.
There were many aspects of the readings and the seminar that resonated, including a deep discussion on happiness and what makes for a good life: health, wealth, knowledge, friendship, good moral character β all of it? There was also a heart-wrenching reminder of both the courage and the depravity that can exist in the world through stories of survivors of the 1994 Rwandan Genocide, as told by New Yorker writer Paul Gourevitch in the book "We Wish to Inform You That Tomorrow We Will be Killed With Our Families."
From the readings, which included works by Frederick Douglas, Wendell Barry, and Mary Oliver, I took away multiple concepts that I continue to contemplate both as a leader and a citizen of the world and these have guided many of my endeavors and decisions this year. My takeaways included the importance of taking action to create change in big and small ways and enjoying the journey of life itself.
Carey Halio
Title: Global Treasurer
Recommendation: Speeches by the Federal Reserve Vice Chair Philip Jefferson
Why: This fall, I really enjoyed two speeches by Vice Chair Philip Jefferson from the Federal Reserve on the history of the discount window since it was initially created in 1913, and how it has provided liquidity to the US banking system and broader economy in different environments.
Despite being someone who has been a student of the banking industry for over 25 years, I learned new points that help me think about our approach to the discount window today. It was a good reminder to not only constantly seek out information but to look at history as a tool for understanding the path in front of you.
I am a firm believer that you can always learn more about your industry and your area of expertise β it is truly endless. The more you can expand your knowledge base, the better you will be at your core function, the more you will be able to connect the dots, and the more effective you will be as a leader. While this example is unique to my work, I think the theme applies more universally.
Why: I have always been interested in learning about how leaders operate under highly ambiguous and stressful conditions.Whether it is Woodward, William Manchester, or David Halberstam, authors who explore leadership actions in difficult situations that changed the course of history can provide compelling lessons on decision-making under pressure.
Making one decision versus another, having even a slight misunderstanding, or making a seemingly minor miscalculation can cause mistakes that may look innocuous at the time but can have a lasting impact.
Ericka Leslie
Title: COO of Global Banking & Markets
Recommendation: "Trust the Universe," a lecture by Alan Watts
Why: Throughout my career, I have found the philosopher Alan Watts to be particularly inspiring as I think about how to lead different organizations and functions. I regularly revisit his famous lecture "Trust the Universe" on Spotify and recommend it to my colleagues each year. He argues that most people fail to trust the organization they are in and try to control it, which eventually leads to failure.
If you trust the system, as long as you believe in it, then your ability to get the most out of other people to scale and grow your business is greatly enhanced. Through trust and delegated authority, businesses can grow, and organizations can scale. This idea is borrowed from the way the human body operates, and he presents it as a more natural way to create meaningful impact in an organization.
These lessons are both timeless and universal and something I try to integrate into my work every day.
Asahi Pompey
Title: Global Head of Corporate Engagement and Chair of the Urban Investment Group at Goldman Sachs
Recommendation: "Good Bones," a show by the playwright James Ijames
Why: I saw "Good Bones" at the Public Theater β not once, but twice β because it was that compelling. The play explores the complexities of urban renewal projects, asking essential questions like: Who belongs in a neighborhood, and who benefits from its evolution?
The work my team and I lead is centered on creating durable, lasting economic progress, with over $20 billion deployed in community development projects like affordable housing. "Good Bones" was a welcome reminder that as investors, we should never lose sight of the history and the voice of a community β to build long-term trust, and ultimately, to deliver sustainable impact.
When it comes to running a team and leading an organization, the same ideas are at play. Building and managing relationships with honesty and empathy, especially during times of change, creates a foundation of collective resilience, which is essential for the long-term success of an organization.
Padi Raphael
Title: Global head of Third Party Wealth Management in Goldman Sachs Asset Management
Recommendation: "The Man Who Solves the Market: How Jim Simons Launched the Quant Revolution" by Gregory Zuckerman
Why: One book I read this year that stands out to me is "The Man Who Solved the Market: How Jim Simons Launched the Quant Revolution" by Gregory Zuckerman,a compelling biography of a titan of the hedge fund industry. Jim's story underscores the value of being the very best at what you do by finding a niche in which your skills and perspective can uniquely position you to win.
Producing consistent alpha in investing can be a notoriously difficult undertaking, and the book narrates a masterclass in resilience, painting a picture of Jim's extraordinary successes following early hardships in launching his career.
Two themes that resonated with me as a leader were perseverance in the face of challenges and a lifelong love of learning. In his own immortal words: "work with the smartest people you can, hopefully smarter than you...be persistent, don't give up easily. Be guided by beauty...". The book is a highly engaging read, and I devoured it in one sitting!
John Waldron
Title: President & COO
Recommendation: "Eisenhower: The White House Years" by Jim Newton
Why: I spend a lot of time thinking about risk and how to steer our organization through today's geopolitical crosscurrents, so I went looking for inspiration and found it in Jim Newton's book, "Eisenhower: The White House Years."
Although Newton covers the entirety of Eisenhower's life, he focuses on Ike's two terms as president, which are largely remembered as eight torpid years of peace and prosperity, though, as Newton points out, there was nothing ho-hum about them. Eisenhower inherited not only a hot war on the Korean peninsula, but also a Cold War with the Soviet Union, whose tensions erupted in Iran, Vietnam, Guatemala, Taiwan, Hungary, the Suez Canal, Lebanon, Cuba, the Congo.
It is a sign of Eisenhower's success that those perilous years are now remembered as the days of "Leave It to Beaver," and yet he was still human. He wasn't immediately sympathetic to the cause of civil rights, though when push came to shove during the Little Rock crisis of 1957, he did send in the National Guard to enforce court-ordered desegregation. He also advocated for and oversaw the establishment of the Interstate Highway System, which laid the foundation for years of robust economic growth.
He was a man who wasn't afraid to compromise and who always took the long view. Not a bad example for other leaders to follow.
Tucker York
Title: Global Head of Wealth Management
Recommendation: "Leadership by the Good Book" by David L. Steward
Why: Each year, I keep a list of the books I've read, who recommended them to me, and any takeaways or lessons that I took from the reading. One that stood out this year was "Leadership by the Good Book" by David L. Steward. David gave me the book during his visit to Goldman Sachs this fall as he was the keynote speaker at our inaugural Garland Summit.
While the book suggests biblical lessons appropriate for the business world, the wisdom is non-denominational. David and his coauthor, Brandon Mann, delve into the themes of servant leadership, loving what you do, investing in your people, risking your reputation for what's right, growing through external challenges, and celebrating milestones on the journey. I saw clear parallels to our work in serving clients, risk management, and mentoring our people.
Regardless of one's religious affiliation, the applied learnings are relevant for the business world and the guidance applies to my work at Goldman Sachs.
China is readying forces that could seize Taiwan in a future attack, analysts and officials say.
Any military operation is likely to rely partly on China's militarized police.
The People's Armed Police has been training in a wide range of conditions, including water.
China is preparing its militarized police for kinds of combat that would play a key role in any invasion of Taiwan.
A SeptemberΒ reportΒ from China Central Television shows what appears to be the People's Armed Police Force, or PAP,Β simulating attacks from inflatable boats.
Footage and pictures from Chinese state-run outlets show the extent of the combat training and battlefield simulation β blockade breakthroughs, grenade throwing, battlefield rescue, and group tactics in cold, hot, and high-altitude conditions.
This training indicates PAP soldiers "are getting ready" for a takeover of Taiwan, said Lyle Goldstein, director of Asia Engagement at the Defense Priorities think tank in Washington, DC.
Clandestine movement by water would be an essential capability to quell resistance in Taiwan's populated areas near the coast and rivers.
"From my observation, they train hard; they are well equipped and disciplined, and they're given stringent ideological training for the reason that they are probably, in my view, the primary reserve force for section invasion," Goldstein said.
"If they went forward with a full-up invasion, I think an amphibious assault is not just conceivable but is quite a possibility," he added.
Urban training
Since its founding in 1982, China's PAP has been firmly placed under the country's military.
These armed police are a shock force in China's vast state security apparatus. The force plays a key internal security role, mostly in law enforcement, counterterrorism, disaster response, and maritime rights protection.
Beijing also regularly uses them for propaganda. One likely goal of publicizing the recent training was to intimidate Taiwan and its backers.
Alessio Patalano, a professor of war and strategy in East Asia at King's College London, said the PAP's inclusion in any takeover of Taiwan would make sense given their urban training.
He told BI the PAP keeps "highly skilled" special forces at hand who are involved in surgical operations to capture strategic goals where mobility, speed, and familiarity with operating in urban areas are key.
"To that extent, whether in decapitation scenarios or early stages of operations to seize key port and airport infrastructures, the use of PAP should be regarded as a viable, if not preferable, option," Patalano said.
A supporting role
It's unlikely that the PAP would participate in the first stages of any island landing.
"That is the purview of the PLA," said Joel Wuthnow, a senior research fellow at the Center for the Study of Chinese Military Affairs at the National Defense University in DC. The PLA is China's main military β the People's Liberation Army.
He said that the PAP would instead initially participate in operations to firm up internal security in mainland China, including suppressing signs of social unrest, protecting critical infrastructure, and clearing out national highways to facilitate the delivery of supplies to regions near Taiwan.
Any attempt to seize Taiwan, a self-ruled island of 23 million that Beijing views as a breakaway province, would require warships, armored vehicles, and heavy firepower, to answer Taiwan's advanced missiles, tanks, and F-16 fighter jets.
However, if PLA's operations in Taiwan didn't go according to plan, and it faced a protracted campaign, Wuthnow said the PAP's Special Operation Forces could be mobilized to institute military governance through missions in urban areas like Taipei.
Another aspect of the PAP's response could involve China's Coast Guard, which it oversees.
The coast guard is already "very much" on the front lines of China's "coercive" campaign against Taiwan, Wuthnow said, and its role seems to be increasing.
Meanwhile, Taiwan's mountainous terrain, as well as its few major land routes and numerous river crossings, would make it difficult for any invading forces to move.
"If the population of Taiwan were not compliant with a PRC-led occupation authority, the period where the PRC would need to rely on their own police might be quite prolonged," said Philip Shetler-Jones, a senior research fellow in the International Security team at the UK's Royal United Services Institute, using the acronym for the People's Republic of China.
The more PAP forces can take over the "public order" task, the more it frees up combat troops, he added.
An imminent invasion
Military experts and defense officials see signs β like China's rapid modernization of its armed forces over the past two decades and drills around Taiwan β that suggest that China could take action within a few years.
But the form of that action is a matter of debate, from a blockade to a full-scale invasion.
During a 2021 hearing of the Senate Armed Services Committee, Adm. Phil Davidson, then the US Indo-Pacific commander, said Taiwan was "clearly" one of China's "ambitions" and that he believed the threat would be "manifest" within the next six years.
Chinese leader Xi Jinping said in October, as part of the country's anniversary celebrations, that reunification with Taiwan was "where the greater national interest lies, and it is what the people desire."
"The wheel of history will not be stopped by any individual or any force," he added.
Goldstein of Defense Priorities, who described himself as a bit of an outlier, said he believes China is ready to take over Taiwan now "if they choose to," and that the PAP's Special Operation Forces would likely play a significant role.
They "will be in very high demand in a Taiwan scenario," he said.
He added that China regards Taiwan as internal security. "So, for them, the use of these forces is entirely legitimate."
The Mercedes-Benz CLE is all-new for 2024 and one of the brand's two remaining convertible models.
I recently drove a 2024 Mercedes-Benz CLE450 with 4Matic all-wheel-drive.
I enjoyed the CLE's mild-hybrid I6 engine, luxurious cabin, immersive tech, and quiet open-air ride.
The Mercedes-Benz CLE Cabriolet is all-new for 2024, replacing the C-Class and E-Class cabriolets in the brand's lineup.
The CLE and the SL Roadster are the only drop tops left in the Mercedes-Benz portfolio that has offered five convertibles in recent years.
I recently reviewed a 2024 Mercedes-Benz CLE450 4Matic Cabriolet with an as-test price of $84,140. I was impressed by its strong turbocharged six-cylinder engine, luxurious cabin, immersive tech, and quiet ride even with the top down.
My six-cylinder CLE450 4Matic Cabriolet test car starts at $73,850, but freight fees and optional extras like Nappa leather, blue metallic paint, and a driver-assistance package added $10,000 to the price tag.
Here are 14 features that show why the CLE450 Cabriolet is a world-class luxury convertible.
Classically attractive styling
The CLE features an aerodynamic "shark nose" front end shared with the current Mercedes-Benz C-Class. The CLE's front fascia features a large, three-dimensional chrome grille with a galaxy of small three-pointed stars surrounding the large Mercedes-Benz three-pointed star logo in the center.
The smooth, seamless rear fascia features LED taillights and chrome faux exhaust tips.
Turbo V6 power
Under the hood of the CLE450 is a mild hybrid 3.0-liter, turbocharged straight-six engine that produces 375 horsepower and 369 lb-ft of torque.
The engine is supplemented by Mercedes' 48-volt mild-hybrid system, which uses an integrated starter generator to contribute an additional 23 horsepower and 151 lb-ft of torque. The system is designed to mitigate the effects of turbo lag and quicken the response of its auto start/stop system.
My six-cylinder CLE450 test car boasts EPA fuel economy figures of 23 mpg city, 32 mpg highway, and 26 mpg combined.
Open and close on the go
The CLE's fabric top can open or close in just 20 seconds. The acoustic soft top, which operates at speeds up to 37 mph, features extensive insulation and is designed to reduce wind and road noise.
Wind deflection tech
The CLE comes with a wind-deflection system to keep the wind out of your hair. The Mercedes AIRCAP wind deflector system directs air high above the vehicle so that occupants can enjoy open-top driving without being blasted by wind at high speeds.
The system consists of a wind deflector that extends a few inches above the top of the windshield and a mesh deflector behind the rear seats.
Airscarf
The front seat headrests are equipped with the Mercedes-Benz "airscarf" system, which uses a constant stream of warm air to create a virtual scarf for the CLE's passengers.
Perfect for top-down driving on a cold day.
Effortless performance
The CLE450 drives like a true grand tourer, smooth and effortlessly powerful. Unlike a pure sports car, it's athletic but performs without compromising comfort.
Thanks to the AIRCAP system, the cabin remains remarkably quiet and civil. Even with the top down, you can carry on a conversation at a normal volume at highway speeds.
The engine is smooth and delivers near-instantaneous acceleration through its slick-shifting 9-speed automatic transmission.
The mild hybrid system performed as expected, effectively filling in any holes in the engine's torque and smoothing the traditional harshness of an auto start/stop system.
According to Mercedes, the 375 horsepower CLE450 4Matic can run from 0 to 60 mph in an impressive 4.2 seconds.
Luxurious cabin
The CLE Cabriolet's cabin is stylish, luxurious, and comfortable. Its interior is an elegant blend of modern design and callbacks to classic Mercedes-Benz of days gone by, like the giant 11.9-inch touchscreen sitting below the trio of vintage turbine-design air vents.
Material and build quality are excellent. The warmth and organic feel of the black Nappa leather upholstery and anthracite wood trim offset the cold industrial feel of the CLE's metallic accents.
High-tech driver interface
In front of the driver is a stylish three-spoke leather-wrapped steering wheel and a 12.3-inch digital instrument display.
The display is highly configurable, with layouts ranging from a traditional dual analog gauge look to a full-page navigation map.
My test car was also equipped with a handy color head-up display.
Updated infotainment tech
The CLE's 11.9-inch touchscreen is equipped with the third-generation Mercedes-Benz User Experience, or MBUX, infotainment system. The system is pretty well sorted at this point. It's responsive and easy to navigate, and the graphics look terrific. The system's overeager voice assistance is also far less intrusive than in past iterations.
The screen is home to the CLE's 360-degree camera system, drive mode menu, and web browser.
The CLE comes standard with wireless Apple CarPlay and Android Auto.
Variable angle infotainment screen
A touch-sensitive button immediately below the screen allows the occupants to change the screen's tilt from 15 degrees to up to 40 degrees to combat glare.
Snazzy wheels
My test car came with 20-inch AMG multispoke wheels. The upgraded wheels were an $850 option. Otherwise, the CLE450 Cabriolet comes with 19-inch wheels.
Advanced safety tech
Standard features on the CLE include adaptive high beam assist, active brake assist, Parktronic with active parking assist, blind spot assist, and Presafe.
You'll need to opt for the $1,950 Driver Assistance Package to get goodies like adaptive cruise control, automatic lane change assist, and active lane keeping assist.
Seats that stay cool
The CLE's seats remain surprisingly cool to the touch, even when exposed to the sun. That's because the leather used in the drop top is treated with a special coating that helps it reflect sunlight and remain up to 53 degrees Fahrenheit cooler than untreated leather, Mercedes says.
Burmester premium audio system
My CLE test car came equipped with a Burmester sound system, which boasts 17 speakers and 710 watts of output. It delivers a clear and powerful sound even with the top down at highway speeds.
About a decade ago, I loaded a couple of midsize suitcases, three large Ikea bags, a pair of 10-gallon Rubbermaid totes, a laundry basket, and two heavily sedated cats into a U-Haul and moved from Toronto to New York City. All my belongings fit neatly into my tiny new Brooklyn bedroom, with plenty of square footage to spare. Turns out, my relative lack of stuff was right on trend.
At the time, millennials like me were buying and owning less, purportedly breaking the mold of American consumerism. We Instagrammed our sparsely furnished, overly beige interiors. We eschewed car ownership and suburban McMansions in favor of bikes, car-share memberships, and big-city apartments with roommates. We were spending our money not on things but on experiences β and blogging about it, too.
"If the millennials are not quite a postdriving and postowning generation, they'll almost certainly be a less-Βdriving and less-Βowning generation," declared a September 2012 article in The Atlantic titled "The Cheapest Generation." Our reputation quickly found a nifty shorthand: Millennials were a generation of minimalists.
As I write this from the same tiny Brooklyn bedroom, I can see my closet doors straining against the weight of a nearly bursting trash bag filled with cast-off clothing I keep meaning to recycle. The three Ikea bags are stacked full of dirty laundry, which my partner or I would probably get around to washing if we didn't have plenty of other stuff to wear. Our dresser top is strewn with impulse buys you'd find in a drugstore checkout line. I can think of a few descriptors for the state of my surroundings, but "minimalist" isn't one of them.
While my fellow 28- to 43-year-olds have yet to shake our association with less-is-more living, that old stereotype doesn't quite stand up to scrutiny anymore. Consumer-spending data suggests we have no trouble dropping our hard-earned cash on goods and services β experiences and things. As we've built careers and started families, our buying habits increasingly resemble those of Gen X and boomers when they were the age we are now.
Millennials haven't been minimalists in years. In fact, we may have never been minimalists at all.
The minimalist-millennial myth began in the early 2010s in the aftermath of the Great Recession. As the "next generation" of leaders, workers, and spenders, my contemporaries' behavior was of keen interest to marketers, business leaders, and economists. So when my generation, rattled by a catastrophic recession, wasn't buying as much as our predecessors, concern spread that our diminished purchasing power β or worse, our somehow radically different priorities and values β might signal the end of the consumer-spending spree that had powered the nation's economy since the end of World War II.
It affirmed the widely held suspicion that we were a generation of coddled Peter Pans who refused to put down the avocado toast; buy some cars, houses, and house-sized volumes of stuff; and just grow up already.
Throughout the decade, a breadcrumb trail of survey data seemed to back up these concerns. In a 2016 Harris Poll, 78% of millennials said they would rather pay for an experience than material goods, as opposed to 59% of baby boomers. A 2015 Nielsen survey similarly found that millennials went out to eat at nearly twice the rate of their parents β they would rather eat their riches than stockpile them. The 2014 English-language translation of Marie Kondo's "The Life-Changing Magic of Tidying Up" sold over 9 million copies, spawning a cottage industry of aspiring millennial declutterers.
The minimalist trend wasn't entirely bogus from a cultural standpoint. "The recession was a real force for people fetishizing simplicity and turning frugality into a virtue, making the best of what you have rather than prioritizing consuming more or consuming flashier things," said the writer Kyle Chayka, whose 2020 book "The Longing for Less" digs into the perennial appeal of a more pared-down way of living.
The postrecession era also saw the rise of smartphones, which ushered in digital sensory overload. Seemingly overnight, apartments and Instagram grids were awash in the clean lines and open spaces of midcentury-modern design (or, at least, Ikea's approximations of it). "There's so much chaos in our phones," Chayka said. "Why would you want more chaos in your physical surroundings?"
Millennials' minimalism became an economic-anxiety Rorschach test. Depending on the beholder, our perceived underconsumption might have signaled a virtuous departure from the poisoned cycle of production, purchase, and disposal. For others, it affirmed the widely held suspicion that we were a generation of coddled Peter Pans who refused to put down the avocado toast; buy some cars, houses, and house-sized volumes of stuff; and just grow up already. Though it was largely an aesthetic trend, the myth of millennial minimalism was so central to my cohort's cultural identity that it may as well have been real.
But in reality, this theory of arrested economic development was always a bit of a mirage. Throughout the 1950s and '60s, consumer spending accounted for roughly 60% of US GDP; since the early 2000s, despite millennials' purported lack of spending, it's held steady at just under 70%.
Take one of the most talked about large purchases that millennials were eschewing: cars. Automobile ownership has been a central tenet of the American dream since the '50s, when the health of the automobile industry became closely tied to the country's economic growth and prosperity. No longer needed for building tanks and munitions to ship overseas, factory assembly lines "newly renovated with Uncle Sam's dollars" were repurposed to build tens of thousands of new cars, which American consumers eagerly bought up, the Harvard historian Lizabeth Cohen wrote in her 2004 book, "A Consumers' Republic." Even now, demand for cars is looked at as a bellwether for consumer spending and the US economy more broadly.
It's no coincidence then that millennials' apparent resistance to car ownership, in particular, jumped out as evidence of our radically shifting consumer ethos. One widely circulated data point came from a 2010 CNW Group analysis, which reported that 21- to 34-year-olds in the US were responsible for just 27% of new-car purchases, down from a high of 38% in 1985. News outlets cited this data as proof that millennials, as a whole, were less interested in buying cars than their boomer parents or their older Gen X siblings. What they failed to consider was how present circumstances β such as the ripple effects of a then very recent economic crisis, especially among young adults just entering the workforce β might alter how people spent their money, especially on big-ticket items like brand-new cars.
In 2016, the Federal Reserve Board issued a report that sought to set the record straight by pointing out that the anti-car narrative about millennials didn't take the Great Recession into account. The report argued that the economic downturn almost certainly shaped people's spending as much or more than the technological and cultural changes that were happening at the same time. Proving the point, young adults were back to buying cars by the mid-2010s. Nowadays, millennials have fully caught up: Since 2020, we've accounted for almost 30% of the nation's new-vehicle registrations, a rate that's roughly on par with baby boomers and only slightly below that of Gen X, Experian research found. But by the time the Fed report was released, it was already too late. The truism of millennials as minimalists was entrenched.
So if millennials aren't minimalists, what exactly are we? Sociologists would likely tell you that's the wrong question to ask β people's behaviors and lifestyles change over time, as do societal norms and priorities. The question isn't how to best define millennials as consumers but whether millennials' young-adult spending was markedly different from that of prior generations.
For answers, we can turn to consumer-spending records. Since 1984, the Bureau of Labor Statistics has been conducting its Consumer Expenditure Surveys to see how different American age cohorts spend money. Granted, the picture it paints is somewhat incomplete; by 1984, most boomers were well past their early 20s, making a direct comparison with millennials challenging. Still, it offers a useful baseline for comparing different age groups' spending over time. Sure enough, when adjusted for inflation, Americans under 25, between 25 and 34, and 35 to 44 have spent roughly similarly across most major consumer categories for the past four decades, with momentary dips overlaying periods of recession followed by bounce backs. While it's true that millennials are spending more of their budgets on airfare and vacation rentals than older generations did at the same age, the same can be said for Gen Zers, Gen Xers, and baby boomers β everyone is splurging on travel right now.
Because younger adults tend to have fewer family responsibilities and far less wealth than adults in their professional prime, they spend less overall. As their expenses and income accrue over time, they spend more β especially once kids enter the picture, bringing new mouths to feed, bodies to clothe, and hobbies to equip. Now that millennials have families of their own, they're even more overwhelmed by clutter than their boomer parents before them, buried under piles of ever-cheaper toys.
In other words, millennials' style of spending isn't special; it's cyclical.
To further the point, millennials now account for the largest share of homebuyers, making up 38% of the homebuying market, according to a report from the National Association of Realtors. Our tilt toward homeownership isn't new, either. We'd nearly caught up with our boomer parents way back in 2019, according to Freddie Mac; 43% of us owned homes, just shy of the 45% of baby boomers who were able to buy their first homes between 25 and 34. Whatever we weren't buying in our 20s, we are making up for in our 30s and 40s.
"There's the ongoing narrative that millennials can't afford housing or don't own houses, that they're renters, but when you look at the data, 25- to 34-year-olds are just as likely to be homeowners now as they were in 1993," said Bryan Rigg, a BLS economist who oversees Consumer Expenditure Survey microdata for public use. "Really, a lot of the expenditure patterns are similar." One major exception is that today's 20- and 30-somethings are a lot more comfortable taking on debt to buy things β like cars and homes β than in the past.
For better or worse, public memory is short. Many of today's young adults might not even be aware that the current crop of 30-somethings were ever considered minimalists in the first place. There's evidence that the rest of us are starting to forget, too. Maybe you've read about the new TikTok trend sweeping Gen Z: a mindful alternative to the "haul" culture that's grown around ultrafast fashion and ultracheap e-commerce platforms. It's a whole new approach to stuff. Some have said it might even slow down the economy. This time around, we're calling it "underconsumption core."
Kelli MarΓa Korducki is a journalist whose work focuses on work, tech, and culture. She's based in New York City.
You might even be confused as to why I'm mentioning this when the audiobook feature launched more than a year ago, in November 2023.
Well, I'm writing this because fairly often over the last year, when I'm talking to people and I mention that I've listened to a book on Spotify, they're surprised β they didn't notice the audiobook feature even if they're a regular Spotify music listener. Or maybe they didn't realize that the books were all included for free with their subscription.
So I am taking it upon myself, during this quiet dead time between the holidays to remind you all:
You can listen to books for free* on Spotify.
(*OK, technically, you get 15 hours a month for free with your subscription. That's typically one or two books. If you go over, you can purchase more books Γ la carte. For me, 15 hours is fine.)
On Amazon, the largest bookseller, you can go through its Audible subscription service, which charges a monthly fee in exchange for credits you can use to purchase audiobooks. Amazon Music is now doing something similar to Spotify β you get one free book to listen to a month with a paid subscription.
Of course, there are people who are extremely high-volume consumers of audiobooks β and one book a month isn't going to even come close to cutting it for them. On Reddit, some of these power listeners who burn through three to five books in a week discussed their strategies: mixing together Audible credits, the one free Amazon Music books, and Libby (the app for public libraries, which is great because it's unlimited and actually free, but it doesn't have everything and there can be long wait times for new releases or popular titles).
There's also a shady underworld to audiobooks: torrent sites, or YouTube brain rot-style videos where someone plays Minecraft over the audiobook narration for the entire "Lord of the Rings" series.
I don't condone any of that. Point is: With Spotify or Amazon Music, the audiobooks are a nice add-on. They could completely change your reading habits if you're now someone who really loves the feel of paper in your hands or likes to curl up with their Kindle.
If you've never listened to audiobooks, allow me to make the case for a specific genre that they're perfect for: celebrity memoirs, especially if the celebrities themselves read them.
Most recently, I listened to Al Pacino's autobiography, "Sonny Boy: A Memoir." Pacino reads it himself, and it's the perfect delivery β he's got all the strangely YELLED WORDS!!! and quiet asides. At points, I wondered if he was even going off-script, it sounded so natural.
I hadn't previously particularly cared much either way about Al Pacino, but I finished the book absolutely delighted by him and his commitment to leading an artistic life. But I truly think that I wouldn't have found the book as compelling if I had read it on paper β his reading of it added so much.
Celebrity autobiographies often aren't exactly hugely weighty or complicated tomes β you can listen as you would a podcast: while doing the dishes, grocery shopping, driving.
So here's my pitch: If you're already paying for Spotify, Amazon, or any other service, give an audiobook a try. It's usually free, there's nothing to lose β if you think the book stinks, just start a new one!
Mike Cavanagh bought a 10-foot-wide skinny house in Jacksonville Beach, Florida, in 2024
It's a spite house because its developer decided to build what he could given city restrictions.
Cavanagh said he's glad he bought the skinny house even though it attracts some curious onlookers.
This as-told-to essay is based on a conversation with Mike Cavanagh, a 51-year-old regional manager for a medical device company, who purchased a skinny house built out of spite in Jacksonville Beach, Florida, in 2024. The interview has been edited for length and clarity.
I realized it was time to downsize once my kids got older and moved out.
In 2020, I sold my 3,700-square-foot home and moved into a townhouse. I spent about four years renting, hoping the market would adjust, but it never did. I eventually decided it was time to buy something.
In June, I called a real-estate agent friend in Jacksonville Beach and said, "Hey, I'd like to see a few properties." We toured three homes β one was a townhouse, and the other two were three-bedroom houses. None of them felt right.
Later, they called and said, "I've got something you need to see. It's really unique."
The moment I walked into the house, I turned to my real-estate agent and said, "I'll take it."
The home is 10 feet wide and 1,547 square feet, with two bedrooms and 2Β½ baths. Despite its narrow layout, the exterior has great curb appeal. Inside, it has a modern feel, with beautiful flooring and tile work throughout.
The same day I toured the home, I made an offer. It was accepted, and we closed in just 30 days. I purchased it in early June for just over $600,000.
The home feels like the right size for me
At first, I didn't know much about the home's history. What drew me in was the neighborhood β it was quiet and peaceful, which I liked. The house is also the perfect size for me since I'm single. If I were 40 with young kids, it wouldn't have worked.
Eventually, I met with the home's builder. He explained that he had owned the lot for a long time, and while neighbors wanted to buy it, he wasn't willing to sell.
Originally, he wanted to build a 15-foot-wide home, but the city said no. So, he decided to do it his way and make the home 10 feet wide. That's how its unique design came to be.
I've definitely acclimated to the home. It doesn't feel small; its bumped-out walls give the house an almost container-like feel, reminiscent of an RV from the outside.
One of the home's unique features is its built-in nooks. The upstairs bedroom has a built-in platform where my mattress sits, so I don't need a bed frame.
Another important feature of the home is its natural light. The builder did an excellent job positioning the windows to create a bright, inviting atmosphere.
I hired a local designer, and together we developed a vision for the space.
I do entertain sometimes, but I don't have massive dinner parties. I just wanted to create a great environment for working from home.
We added a built-in white oak couch in the living room with custom cushions. It was a bit pricey but totally worth it because it's incredibly comfortable and has an artsy vibe. By the TV, we also installed built-in shelving and cabinets made from white oak.
I think the skinny house is a good investment
I think the fact that my home was featured on Zillow Gone Wild and that there used to be a "For Sale" sign in the yard both drew a lot of attention.
It's more subdued now, but I occasionally notice random people driving by or walking past and making comments.
I still get jokes, too. Some friends introduce me socially as "the guy who bought the skinny house."
Sometimes, when I meet my neighbors, they mention that they thought the house would be bought and turned into an Airbnb since there are plenty around Jacksonville Beach.
Compared to other cities in Florida, Jacksonville Beach has been slow to develop, which helps keep it affordable β especially relative to other beach towns.
As more people discover it's a fantastic place to live, there's been an influx of movers from the Northeast, some from California, and many from the Midwest.
My real-estate agent and I agreed that the house wouldn't lose equity with Jacksonville Beach's population growing.
If I change jobs or decide to move, I'm confident my home will attract enough interest to sell quickly. I could also rent it out on Airbnb. So I have plenty of options for the home in the long term.
But I plan to continue living in the home. It's my only property, and my job is based in the area, for now at least.
Overall, I do think buying the home was a good decision. Smart people just don't buy real estate to make money; they buy to have a great place to live β and to avoid losing money.
Student-loan borrowers are entering the new year with uncertainty on their payments and debt relief.
Ongoing litigation with the SAVE repayment plan makes it difficult for some borrowers to plan financially.
Biden also officially withdrew his broad debt relief plans, and any future relief under Trump is unlikely.
Wade Burt, 67, is entering the new year without knowing when β or if β he'll be free of his nearly six-figure student-loan balance.
Burt first took out just under $20,000 in student loans for an associate degree in avionics that he earned in 1988. However, he had periods of unemployment through 1998, during which he could not afford student-loan payments. Over the years, the interest on his loans ballooned his balance.
He eventually earned a bachelor's degree in information systems management, which hasallowed him to secure a well-paying job. Burt said he hopes to retire in a few years, but he doesn't see an easy route to getting a handle on the debt.
"I don't have any confidence that I'll pay the student loans beyond 72 because I just won't have that kind of income," Burt told Business Insider, saying that his Social Security checks won't be enough to help. "The reality is that I'm in the last third of my life, and I don't know if we will be able to make those student loans go away."
Millions of other Americans holding student loans are facing similar uncertainties. President-elect Donald Trump is taking office in less than a month, and he's made clear that he opposed President Joe Biden's efforts to enact incremental and broad student-loan forgiveness.
With Republican opposition to student-debt relief, some borrowers told BI they don't feel confident about significant balance reductions over the next four years.
"It feels like we're in a pretty hopeless situation," Burt said. "It's a weight on us, and we don't get very solid answers, so it's pretty hard to plan with all those conditions in place."
The Trump transition team did not immediately respond to a request for comment from BI.
'We're in this waiting game'
Aimee Cooper just wants to know when β and how much β her next monthly payment will be.
Cooper, 53, has been enrolled in the Public Service Loan Forgiveness Program since it started in 2007, which forgives student debt for government and nonprofit workers after 10 years of qualifying payments. She went back to school over the course of the 10-year period to earn two master's degrees, during which her loans were put on in-school deferment and pushed back her forgiveness timeline.
Her student-loan servicer estimated she's less than 10 payments away from reaching forgiveness through PSLF. But she's not sure when that will be achievable because the student-loan repayment plan she's enrolled in β the SAVE plan, created by Biden to make payments cheaper and shorten the timeline for borrowers to reach debt relief β is paused as a result of a GOP-led lawsuit to block the plan.
All borrowers enrolled in the SAVE plan have been placed on forbearance until a court issues a final decision, which means that even if Cooper does choose to make a payment during this time, it will not count toward her PSLF progress.
"We're just in limbo, wondering what's going to happen," Cooper told BI. "We're not asking for special favors, none of us are. We're just asking for someone to tell us what to do."
The Education Department recently reopened two income-driven repayment plans that would give borrowers the opportunity to switch from the SAVE plan and enroll in a new plan to make payments and get credit toward PSLF. Borrowers would likely see different, and possibly higher, payments on those plans, so some might choose to wait until the fate of SAVE is decided.
Malissa Williams, 40, has found herself in the same boat. Working as a nurse, Williams is also enrolled in PSLF, and through the SAVE plan, she was making steady progress toward forgiveness. She's now in forbearance due to the SAVE litigation, and she said she's attempted to contact her servicer's customer service representatives, but the long hold times have rendered it nearly impossible for her to get clear answers on what her next steps should be.
"I'm terrified because there's been the discussion of the income-driven repayment plans going away," Williams told BI. "And when I looked at what my payments could be, it was back up to almost a thousand dollars a month, and that would be a significant blow that would put my student loan payment almost at what my mortgage is."
Some higher education experts previously told BI that regardless of what a court decides on the SAVE plan, Trump's administration is unlikely to continue Biden's repayment and relief efforts. It's also possible that Trump could work to rescind existing regulations, but doing so through the rulemaking process could take at least a year. Trump has also previously suggested eliminating PSLF altogether, but that would require congressional approval, and there has not yet been sufficient support among lawmakers to make that happen.
The uncertainty with SAVE and the actions that Trump's administration might take leave borrowers in a bind as they try to plan for their financial futures.
"We're in this waiting game," Cooper said. "Who knows what's going to happen."
'It's a feeling of anxiety, but also defeat'
With Republicans holding control of both Congress and the White House, GOP-led higher education legislation has a greater chance of being signed into law over the next four years. A key bill, the College Cost Reduction Act, could benefit borrowers by requiring pricing transparency in college programs to limit the amount of debt students have to take on. It would also aim to limit the education secretary's authority to enact debt relief for borrowers outside existing repayment programs.
Rep. Virginia Foxx, the top Republican on the House education committee, said in a recent statement that Biden's debt relief efforts have tried to "foist student loan debt onto hardworking taxpayers."
"The result? A broken student loan program and false hope for millions of borrowers," Foxx said. "Thankfully, on January 20th, Americans will be able to trust the information that's coming from the White House again."
Molly Valentine Dierks, 44, said she's worried that ending relief programs would jeopardize her future investments. Dierks, a college teacher, is enrolled in the SAVE plan, and if the GOP litigation succeeds, she expects her payments to surge, and it would impact her ability to buy a house.
"There's reverberating effects for my financial future," Dierks said. She added that if it comes to it, she has the fortune of falling back on her family for financial support, but she's concerned for her students and other borrowers who don't have that as an option.
"It's a feeling of anxiety but also defeat," Dierks said. It's unclear what's in store for millions of federal student-loan borrowers in the new year. A court decision on SAVE is still pending, and it's unclear how Trump's education department will choose to manage existing repayment and forgiveness programs, including PSLF and the borrower defense to repayment for defrauded borrowers.
Burt, the 67-year-old borrower, said he hopes that the incoming administration will consider assistance for those who have made good-faith efforts to repay their student loans.
"There has to be some empathy for the person who went to school to get a degree to improve their life and never achieved what they expected that degree to achieve," Burt said.
Private jeweler Anna P. Jay said elongated stones and thicker bands will be popular in 2025.
Colorful stones and personalized details are on the rise, too.
The holiday season is in full swing, which means engagement season is, too.
And as the first proposals of the year roll in, we'll get a peek at the engagement rings that will be big in the coming months.
Business Insider spoke to private jeweler and jewelry store owner Anna P. Jay about the engagement ring trends that will be everywhere in 2025.
Elongated shapes will be popular in 2025.
Jay told BI that elongated-shaped stones, including emerald, oval, pear, and marquise-shaped, are becoming more popular.
"Elongated shapes are great because they visually trick the eye into appearing larger," Jay told BI of their appeal.
"I've started to do a lot of pear engagement rings all of a sudden. They're kind of the next step from oval," she said. "And then I think marquise is going to follow."
Recent celebrity engagement rings match Jay's predictions. For instance, in December 2024, Benny BlancoΒ proposed to Selena GomezΒ with a marquise diamond.
People are embracing color in their engagement rings.
Diamonds will always be popular for engagement rings, but other stones are also becoming go-to's, Jay told BI.
"People are not shying away from diamonds, but I think that we're starting to see more color," Jay said.
Sapphires, rubies, and emeralds are often popular for colorful engagement rings because they're durable. Jay said people are getting more creative with their tinted stones, too, particularly with toi-et-moi rings.
"Over the summer, I did a toi-et-moi where I said, 'Bring me a color that you like,' and we matched the stone, which ended up being a tourmaline, to the color of eelgrass for a client."
"We're allowing ourselves a little bit more creativity, a little bit more flexibility to get the look that we want using colored stones," she added.
Bands are getting thicker.
"The 80s are back in a very big way," Jay said, which she said means many people are opting for "bigger and chunkier" bands.
Thicker bands are as stylish as they are practical. They are typically more stable than the thin bands popular in 2023 and 2024.
"The conversation I have with my clients is like, 'You're going to wear this for the rest of your life. While we love a dainty band now, it's going to be a headache long term,'" Jay said, adding that making a band even slightly thicker can be beneficial.
"If we can add tenths of millimeters, you're visually not going to be able to tell a difference, but structurally, it's going to be much more sound," she told BI.
Yellow gold settings are still popular, but you might also see more white gold.
Yellow gold has become common for many people's engagement bands, but Jay anticipates white gold and silver will be on the rise in the coming year.
"I think it's going to take two or three more years, but I think we are edging toward more white and silver," Jay said. "Gold is becomingβ¦expensive."
She added that the increase in the cost of gold had led people to wear sterling silver for day-to-day jewelry, making it more likely to select a white gold, platinum, or silver band for their engagement rings to match.
People are gravitating toward hidden details.
Jay told BI that she's still seeing people embrace small details in their engagement rings, like hidden halos or personalized engravings.
"One of my favorite things to do is birthstones in a band," Jay said, often "discreetly" tucking a couple's birthstones into the setting.
She also told BI that these details are becoming more popular because couples design parts of their custom rings together, and the details allow the proposer to still give their partner an element of surprise in the ring.
"We're involving our partners more in this process," she said. "Maybe we talk about the shape of the stone, but they're not aware of how it's going to be set, when it's happening, or the budget."
And no matter the design, people will prioritize their center stones.
Jay also told BI that people will invest their money into a center stone rather than selecting rings with multiple stones, which she said gives them the flexibility to reset the setting over time.
"If you ever did want to reset it, you could add side stones or put it in a chunkier setting or something like that," she said.
Jay told BI that it's also easier for people to stack other rings with theirΒ engagement and weddingΒ rings down the road when they're simpler.
"Consider making your wedding band just a gold or platinum solid band so that you do have that flexibility in the future to stack and play with and make it a little more fun and playful," she advised.
Hemsley recommends dishes including a white chicken chili with peppers and beans, a zingy vegetarian noodle salad, and no-bake peanut butter chocolate oat bars.
White chicken chili
Hemsley said: "A tomato-less chili, hence the name 'white chili'. I use yellow peppers here to keep the chili 'white' but use whatever color you can find. I like to serve the toppings separately and let everyone help themselves. In terms of the beans, use whatever white beans you like, such as cannellini or butter beans. I find sweetcorn is always worth keeping in the freezer, but if you've got canned corn, then drain, rinse, and add it right at the end."
Serves: Four
Time: 1 hour, 10 minutes
Ingredients
4 bone-in, skin-on chicken thighs
2 tablespoons olive oil, plus extra if needed
2 onions, finely chopped
2 yellow peppers, diced
4 garlic cloves, finely sliced
2 teaspoons ground cumin
1 teaspoon dried oregano
1β4 teaspoon cayenne pepper or chile flakes, to taste
1.2 litres vegetable or chicken broth
2 x 400-gram tins of white beans, drained and rinsed
200 grams frozen corn
Juice of 1 lime, plus a little zest if you like
Sea salt and black pepper
Optional toppings
Soured cream or yogurt
Fresh cilantro and/or scallions onions, sliced
Sliced avocado
Sliced radishes or cucumber
Lime wedges
Jarred jalapeΓ±o slices or chile flakes
Method
Season the chicken thighs on both sides with salt. Heat the olive oil in a large pot and, once warm, add the chicken thighs, skin-side down. Cook for 10 to 12 minutes over a medium-high heat until very well browned, then turn and cook on the other side for 2 to 3 minutes. Lift out of the pot and set aside on a large plate.
The chicken should have given out plenty of fat but if not, add a splash of olive oil to the pot and, once warm, add the onions, peppers, and a pinch of salt and pepper. Fry for about 12 minutes over a medium heat until very soft, stirring every so often. Add the garlic, fry for a minute, then add the cumin, oregano, and cayenne or chile flakes and fry for 2 minutes, stirring regularly.
Return the chicken thighs to the pot and pour in the stock. Simmer for 25 minutes, then add the beans and continue to cook for another 10 minutes.
Remove the chicken thighs once cooked through and take the meat off the bones and shred. Set aside, discarding the chicken skin if you wish. Use a potato masher or the back of your wooden spoon to crush roughly a third of the beans (this will help thicken the chili).
Add the frozen corn, then cook for 5 minutes or so until tender. Remove from the heat, add the chicken, lime juice, plus a little zest if you like, and taste for seasoning.
Ladle into bowls and finish with the toppings you like.
Big veg noodle salad with lime, ginger, and peanut dressing
Hemsley said: "Even in the colder months, I think a big noodle salad is always a great thing to have up our sleeves. In the depths of winter, in and among all the cheesy bakes and big soups and stews, I crave fresh, zingy, crunchy salads like this. Use any noodles you like, even spaghetti would work if that's what you've got. I love buckwheat (soba) noodles. Swap the peanuts and peanut butter for cashews or almonds if you prefer. Do the lime trick to release more juice by rolling the limes on the kitchen counter before you slice them in half."
Serves: Two
Time: 15 minutes
Ingredients
2 nests of noodles
2 teaspoons toasted sesame oil
2 big handfuls of raw peanuts
1 large carrot, cut into ribbons with a peeler or cut into thin strips with a knife
1β4 sweetheart cabbage, very thinly sliced
1 small apple or pear, cored, and cut into matchsticks
1β2 small cucumber, diced
For the dressing:
2 tablespoons smooth or crunchy peanut butter
2 big limes: zest of 1 and juice of both
2 tablespoons tamari or soy sauce
Thumb of fresh ginger, finely grated
Pinch of chile flakes
2 teaspoons maple syrup
Sea salt and black pepper
Method
For the dressing, whisk all the ingredients in a small bowl or shake in a jam jar. Taste for seasoning.
Cook the noodles according to the packet instructions, then drain and rinse immediately with cold water. Toss the noodles with the sesame oil and set aside.
Toast the peanuts in a dry frying pan over a medium heat for 3 to 5 minutes, shaking the pan every so often, until golden.
In a large bowl, toss together the noodles, carrot, cabbage, apple or pear and roughly half the dressing. Slowly add more splashes of dressing if you like, tossing as you go, until everything is nicely coated. Top with the cucumber and peanuts.
Chocolate peanut butter (no-bake) bars
Hemsley said: "A no-bake family favorite treat. Pretty irresistible but if you don't devour them over a few days, they will keep for a week in a sealed container. Store in the fridge in warmer months. If catering to any nut allergies, swap the ground almonds for more oats and switch the nut butter for pumpkin seed butter. If you have a preferred nut butter, try that β I love a cashew butter but keep it to the smooth variety for a silkier texture. Look out for 60% minimum cocoa solids for your chocolate."
Makes: 16
Time: 20 minutes, plus setting time
Ingredients
250 grams smooth peanut butter
100 grams ground almonds
100 grams porridge oats
6 tablespoons maple syrup
1 teaspoon vanilla extract
A little pinch of sea salt
For the chocolate layer
180 grams dark chocolate, roughly broken
1 tablespoon smooth peanut butter
Flaky sea salt, for sprinkling
Optional topping
2 handfuls of toasted peanuts
Method
Line a small baking pan or dish (about 15 x 8cm or square equivalent) with greaseproof paper, making sure it comes up high enough on the sides so that you can lift the mixture out of the pan once it's set.
Mix the peanut butter, ground almonds, oats, maple syrup, vanilla, and salt together in a bowl. Transfer to the lined pan, pressing down with the back of a spoon or spatula to make it even and compact.
For the chocolate layer, melt the chocolate in a bain-marie (a heatproof bowl set over a pan of very lightly simmering water, making sure the bottom of the bowl does not touch the water). Once melted, stir through the peanut butter and pour this evenly over the base. If topping with the whole peanuts, scatter these over the chocolate layer. Sprinkle over a little pinch of flaky sea salt.
Set in the fridge for 1 hour or until firm, then cut into 16 pieces to serve.
A new "Knives Out" movie, "Happy Gilmore 2," and a new Cameron Diaz film come to Netflix in 2025.
They are some of the highly-anticipated movies for the next year.
Here's what to know about Netflix's most exciting upcoming movies.
2025 is shaping up to be a great year for Netflix.
Three films from 2024 broke into Netflix's all-time top 10 movie lists, which is on par with the year before.
But Netflix could beat that record in 2025, with highly-anticipated films like "Happy Gilmore 2," "Wake Up Dead Man: A Knives Out Mystery," "Back in Action" and "The Electric State."
The first two movies are sequels to popular films, while the last two star big names like Cameron Diaz and Chris Pratt.
Here are 9 movies that Business Insider's entertainment team can't wait to watch .
"Wallace & Gromit: Vengeance Most Fowl"
Premiere date: January 3
Aardman Animation, a British stop-motion animation studio, is resurrecting its most popular franchise, "Wallace & Gromit."
The latest film, "Wallace & Gromit: Vengeance Most Fowl," is a sequel to the 1993 Oscar-winning short "Wallace & Gromit: The Wrong Trousers."
In that film, the lead pair brings a new lodger into the house who attempts to frame Wallace for a crime.
Now Feathers McGraw, the lodger, is back to try to take down Wallace again, using the help of an AI-powered gnome.
"Back in Action"
Premiere date: January 17
Cameron Diaz is literally back in action as she returns from a 10-year acting retirement for this new Netflix film.
Diaz and Jamie Foxx, who previously worked together on 1999's "Any Given Sunday" and 2014's "Annie" movie, star as former CIA operatives who return to a life of espionage after starting a family together.
McKenna Roberts and Rylan Jackson play Diaz and Foxx's children, who are brought along on their espionage journey.
While the plot isn't anything special, many film fans will likely tune in to see Diaz's return.
"The Electric State"
Premiere date: March 14
Before they tackle the next "Avengers" movie, directors Joe Russo and Anthony Russo have another comic adaptation coming in 2025.
"The Electric State," an adaptation of Simon StΓ₯lenhag's graphic novel, is a retro-futuristic sci-fi adventure movie about a young woman (Millie Bobby Brown), a drifter (Chris Pratt), and a group of robots who set off on a journey to find the woman's younger brother.
Many well-known names and former Marvel actors star on-screen or voice the robots in the film, including Ke Huy Quan, Giancarlo Esposito, Stanley Tucci, Woody Harrelson, Brian Cox, and Anthony Mackie.
Netflix seems to be betting big on the film, with reports fromΒ the TelegraphΒ andΒ Puck, citing unnamed sources, that the streamer spent over $300 million on it.
In the first film, Happy Gilmore (Sandler), a failed hockey player, becomes a golf tour champion to settle his grandmother's debts. The plot for the sequel has not yet been revealed, but Sandler will reprise the role alongside Julie Bowen and Christopher McDonald, two other stars from the first film.
Bad Bunny, the Puerto Rican rapper and singer, will also star in the movie.
While Sandler's Netflix movies have had low ratings from critics, many of them have become hits, including "Murder Mystery," which was the most-watched film of 2019.
"The Thursday Murder Club"
Premiere date: Unannounced
Richard Osman's novel "The Thursday Murder Club" was an instant hit in 2020, selling over a million copies that year in the UK alone.
Now Osman is bringing his murder mystery to Netflix with an all-star cast that includes Helen Mirren, Pierce Brosnan, Sir Ben Kingsley, and Celia Imrie. They play a group of murder-mystery fans in a retirement home who stumble on a real case.
Chris Columbus, the director of the first two "Harry Potter" movies, will direct the film.
Murder-mystery shows and movies like "Only Murders in the Building" and "Knives Out" have become hits in recent years. With its popular cast and pre-existing fan base, "The Thursday Murder Club" could follow in this trend.
"Wake Up Dead Man: A Knives Out Mystery"
Premiere date: Unannounced
The highly-anticipated third "Knives Out" movie is due to premiere in 2025.
"Wake Up Dead Man," written and directed by the series creator, Rian Johnson, is the second and possibly final "Knives Out" film produced by Netflix under a $469 million deal with Johnson and Ram Bergman, his producing partner.
The plot has not been revealed yet, but Daniel Craig will, of course, reprise his role as the southern detective Benoit Blanc.
He is joined by a new cast, including Josh O'Connor, Glenn Close, Josh Brolin, Mila Kunis, Jeremy Renner, Kerry Washington, Andrew Scott, Cailee Spaeny, Daryl McCormack and Thomas Haden Church.
"Glass Onion: A Knives Out Mystery" is currently the 10th most-watched English Netflix film of all time, setting big expectations for the next installment.
"Frankenstein"
Premiere date: Unannounced
Guillermo Del Toro, a director known for movies about creatures and monsters, finally brings his dream "Frankenstein" movie to life as part of his multi-year deal with Netflix.
Del Toro wrote the adapted screenplay of Mary Shelley's novel and directed the film.
The film stars Oscar Isaac as Doctor Victor Frankenstein, a scientist whose attempts to create life birth a monster, played by Jacob Elordi.
Rounding out the cast are Mia Goth, Felix Kammerer, Lars Mikkelsen, Christoph Waltz, David Bradley, and Christian Convery.
"The Twits"
Premiere date: Unannounced
Netflix is capitalizing again on its acquisition of the Roald Dahl Company with an animated film based on "The Twits."
The film follows two brave orphans and a family of magical animals as they try to save the city from Mr. and Mrs. Twit, a mean, smelly couple who have somehow risen to power.
Phil Johnston, Todd Demong, and Katie Shanahan directed the film. Emilia Clarke, Natalie Portman, Johnny Vegas, and Margo Martindale star.
"Fear Street: Prom Queen"
Premiere date: Unannounced
In 2021, Netflix tried releasing a trilogy of films based on R.L. Stine's horror "Fear Street" over three weeks. It paid off, with all three movies sticking in Netflix's weekly top 10 most-watched English films for over a month.
Netflix will break away from this model next year when they release "Fear Street: Prom Queen," a solo movie based on R.L. Stine's work.
The film is set in the town Shadyside, like the other films, but the year is 1988, between "Fear Street: 1978" and "Fear Street: 1994."
Ahead of prom at Shadyside High, an outsider is nominated for prom queen, and other girls mysteriously disappear.
The film will have a new cast that includes David Iacono, Ariana Greenblatt, Suzanna Son and Chris Klein.