• With Trump's inauguration fast approaching, more details about DOGE have emerged.
• Musk, who Trump tapped to co-lead DOGE, may become a "special government employee."
• SGEs have less stringent ethics rules — to a degree — compared to regular federal employees.

With President-elect Donald Trump set to take office next week, a key detail has emerged regarding the Department of Government Efficiency, the forthcoming commission that Tesla CEO Elon Musk will co-lead alongside businessman Vivek Ramaswamy.

Some DOGE staffers who are expected to work unpaid for six months before returning to their more lucrative jobs would be classified as "special government employees," and Musk could be among them, The New York Times reported.

A special government employee is an individual who can be paid or unpaid and is categorized as a temporary worker. The federal government can employ that individual for no more than 130 days amid a consecutive 365-day span.

The designation is significant because special government employees — who are generally brought in to offer outside expertise to the federal government — are subject to more limited conflict of interest rules compared to regular federal employees.

When Trump tapped Musk, the wealthiest man in the world, to co-lead DOGE, government watchdogs, and some Democratic politicians questioned how he could handle such a role given potential conflicts of interest involving SpaceX, Tesla, and X.

Musk's omnipresence within Trump's political orbit in recent months has only reinforced those concerns. Sen. Elizabeth Warren of Massachusetts sent a letter to Trump's transition team asking if the tech executive would adhere to conflict-of-interest rules in his forthcoming role.

"Putting Mr. Musk in a position to influence billions of dollars of government contracts and regulatory enforcement without a stringent conflict of interest agreement in place is an invitation for corruption on a scale not seen in our lifetimes," Warren wrote at the time.

"Currently, the American public has no way of knowing whether the advice that he is whispering to you in secret is good for the country — or merely good for his own bottom line," she added.

Musk in 2024 spent over $250 million to help send Trump back to the White House and aid other GOP candidates in their respective races.

Business Insider reached out to Trump's transition team for comment.

• A former Disney employee agreed to plead guilty to altering allergen info on restaurant menus.
• Michael Scheuer admitted to the hack, as well as adding swastikas to the memus.
• He faces up to 10 years in prison for his charges, according to the plea agreement.

A former menu production manager for Disney World has admitted to altering allergen information and adding swastikas to menus as part of a plea agreement.

Federal authorities charged Michael Scheuer in October with causing the transmission of a program, information, code, or command to a protected computer and intentionally causing damage. Disney had fired Scheuer months earlier for misconduct, according to the criminal complaint.

In a plea agreement filed Friday in Florida federal court, first reported by Court Watch, Scheuer pleaded guilty to hacking and one count of aggravated identity theft. He faces a maximum of 10 years and a mandatory minimum of two years in prison for the charges.

The plea says the government agreed to recommend that Scheuer receive a downward adjustment on the length of his sentence for agreeing to take responsibility for the charges.

Scheuer also agreed to pay restitution to his victims, including Disney.

The agreement says that Scheuer changed allergen information on some of Disney's menus to falsely show that items were safe for people with allergies, which "could have had fatal consequences depending on the type and severity of the customer's allergy."

Scheuer also admitted to changing the regions of wines on some menus, some of which he changed to the locations of mass shootings, the plea agreement says.

"Scheuer also added or embedded images to one or more menus, including in one instance a swastika," the document says.

On some Disney menus that contained a QR code to show a digital version of the menu, Scheuer changed the code to direct to a website promoting the boycott of Israel, the document says. Manufacturers printed some menus with the falsified QR codes, but caught the change before they were distributed.

By the end of his hacking campaign, Scheuer had impacted "nearly every menu in the system," according to court documents.

"The entire repository of menus had to be reverted to older versions and brought up to date manually," the agreement says.

Scheuer's attorney, David Haas, did not immediately return a request for comment from Business Insider. Haas told CNBC that Scheuer is "prepared to accept responsibility for his conduct."

"Unfortunately, he has mental health issues that were exacerbated when Disney fired him upon his return from paternity leave," he told the outlet.

Disney did not immediately return a request for comment about Scheuer's plea agreement.

Disney became embroiled in a separate controversy involving food allergens in 2024 when a widowed husband filed a wrongful-death lawsuit against the entertainment giant. The lawsuit said the man's wife experienced a "severe acute allergic reaction" and died after eating at a restaurant operated at Disney Springs.

Lawyers for Disney asked an Orange County court to dismiss the lawsuit because the husband previously purchased theme park tickets and signed up for a free Disney+ trial, but criticism from the public caused them to reverse course.

• Jamie Dimon urges incoming president Donald Trump to prioritize immigration policy in his second term.
• Trump has said he plans to conduct mass deportation in his second term.
• Dimon also advocates for education reform and doubling the earned income tax credit.

With Donald Trump set to take office in about a week, top Wall Street leaders are coming forward with advice.

JPMorgan CEO Jamie Dimon honed in on immigration policy when asked what advice he'd give Trump for his second presidential term in a CBS News interview posted Sunday. "Get immigration, border security right," he said. "Then proper immigration after that."

Since his debut on the political stage, Trump has been outspoken about immigration policy. On the campaign trail last year Trump said he would carry out the "largest domestic deportation in American history." He also plans to end birthright citizenship, build new ICE detention centers, and reinstate his first-term policies. During his first term in office, he curtailed legal immigration rates, signed an executive order that suspended several types of work visas, including H-1B visas, which are crucial for the tech industry, and completed hundreds of miles of construction on a border wall between the US and Mexico.

Dimon says he agrees with Trump's big-picture view on immigration. "You could talk about specifics and disagree, but the concern around border security, obviously, every country in the world is concerned about that," he said.

Beyond immigration, Dimon says he wants to see changes to our education system. "I would love to see high schools, community colleges, and colleges measured on what is the outcome of the kid being educated. Like do they get a job that's well paying, not do they do math well," he said. "I believe that would put a lot more pressure on schools to teach skills that can give you really good paying jobs." That includes jobs in fields like data analytics, manufacturing, nursing, compliance, and financial skills, he said.

He's also in favor of eliminating tax breaks, even for the wealthy. He proposed doubling the earned income tax credit: a refundable tax credit for low to moderate-income workers, particularly those with children. "That alone would put a lot more money into the pockets of people who are working who are lower income, it would go into their communities, into their families," he said.

• Dana White grew the UFC into a multibillion-dollar company after acquiring it in 2001.
• In that time, White also became a close ally of President-elect Donald Trump.
• Now, he is joining Meta's board of directors.

Ultimate Fighting Championship CEO Dana White has been on quite the journey over the last two decades.

From managing MMA fighters to appearing at the Republican National Convention three times to support President-elect Donald Trump, White has become a global figure in both sports and politics.

And now he's entered the sphere of Big Tech, joining the board of directors at Mark Zuckerberg's Meta.

Here's how White went from a small-time trainer to the board of one of the world's most influential tech companies in just a few years.

White purchases the UFC in 2001 for $2 million.

White started out as a boxing trainer in Las Vegas and then Boston before shifting focus to mixed martial arts, he told Forbes in a 2014 interview.

Eventually, White managed MMA fighters who participated in UFC bouts, which resulted in a contract dispute with the UFC. White told the outlet that the contract dispute motivated him to find a way to beat the UFC.

His plan involved two of his childhood friends, Lorenzo and Frank Fertitta.

"I ended up finding that out, that they're in trouble, and they're probably going to go out of business," White said, referring to the UFC. "And I'd been to a [UFC] event, and I was looking around and thinking, 'Imagine if they did this, and imagine if they did that. This thing could actually be really big.'"

So, White said, he called his friends and suggested that together they try to buy the UFC.

The brothers founded Zuffa, LLC and purchased the UFC for $2 million in 2001. White took over as president and received a 9% stake. He then began to turn the company into an MMA juggernaut.

That year, White hosted a UFC battle at the now-defunct Trump Taj Mahal casino and resort in Atlantic City.

White told The Hill in 2018 that the UFC's popularity grew, in part, because of Trump's early support. When he first purchased the UFC, the company, as well as mixed martial arts more broadly, the sport faced criticism for its violent fighting style.

"Any good thing that happened to me in my career, Donald Trump was the first to pick up the phone and call and say 'congratulations,'" he told the outlet.

White takes the UFC mainstream.

Under its new leadership, the UFC gradually became a mainstream success. MMA stars like Conor McGregor and Ronda Rousey attracted more attention to the sport, which led to more ticket sales and higher revenue.

In 2016, the company said it raked in $17.7 million in ticket sales, and over 20,400 guests attended UFC 205, its inaugural event in New York City. UFC 306, held last September in Las Vegas, generated $22 million in ticket sales.

The official UFC website said its programming is now broadcast in over 165 countries and territories to over one billion households worldwide. BetMGM, a sports betting partnership between MGM Resorts International and Entain Holding, valued the UFC at $12 billion in November 2024.

White faces controversy as head of the UFC.

White's time with the UFC hasn't been seamless. Some fighters have accused White of underpaying them.

Last October, a Las Vegas judge approved a class action settlement that requires the UFC to pay $375 million to fighters who accused the UFC, and its parent company, of violating antitrust laws to block rival promoters and maintain exclusive deals with fighters. The UFC and White have denied any wrongdoing.

Some also criticized White for his push to hold UFC events during the COVID-19 pandemic in 2020, and after a video published by TMZ showed him slapping his wife, Anne White, in 2023.

The UFC is sold in a multibillion-dollar deal.

The Fertitta brothers sold the UFC in 2016 for just under $4 billion. White remained its president after the sale and became CEO in 2023 after the UFC's parent company merged with WWE to create TKO Group Holdings.

White remains the face of the UFC, which often attracts celebrities and other big-name figures to events. Trump attended UFC 309 after winning the presidential election in November. Elon Musk, Kid Rock, and Joe Rogan also appeared.

Mark Zuckerberg and Amazon's Jeff Bezos have also attended UFC fights.

White told The Hill in 2018 that he would "never say anything negative about Donald Trump because he was there when other people weren't."

White joins Trump's inner circle.

White has advocated for Trump and his political positions since the beginning of the president-elect's political career. He spoke onstage during the 2016 Republican National Convention, appeared virtually in 2020, and again at the most recent convention in 2024.

White has also appeared at Trump campaign events and gave a speech during Trump's 2024 presidential election night event.

"Nobody deserves this more than him, and nobody deserves this more than his family does. This is what happens when the machine comes after you," White said, according to The Hill.

White called Trump a "fighter."

"I'm in the tough guy business, and this man is the toughest, most resilient human being that I've ever met in my life," he said, standing among Trump's family.

Mark Zuckerberg's Meta appoints White to its board of directors.

Meta announced in January that White and two others would join its board of directors.

"I've never been interested in joining a board of directors until I got the offer to join Meta's board. I am a huge believer that social media and AI are the future," White said in a statement. "I am very excited to join this incredible team and to learn more about this business from the inside. There is nothing I love more than building brands, and I look forward to helping take Meta to the next level."

Zuckerberg's interest in MMA and the UFC has helped foster a relationship between the two men. Like White, Zuckerberg has also supported Trump and his policy positions. Zuckerberg recently announced Meta would roll back DEI efforts and dial back content moderation.

Zuckerberg told Rogan on his podcast last week that he is "optimistic" about Trump's potential impact on American businesses.

Representatives for the UFC did not respond to a request for comment from Business Insider.

• Meta announced big changes to kick off the new year, including ending third-party fact-checking and DEI programs.
• The moves illustrate the latest evolution in Mark Zuckerberg's leadership.
• You might call it Zuckerberg 3.0 — and it comes as Donald Trump takes power.

Mark Zuckerberg has shown himself to be the ultimate Silicon Valley shapeshifter, and in the first couple weeks of 2025, we got our best look yet at the latest version of the Meta CEO.

To kick off the new year, Zuckerberg made some big changes at his company, including ditching third-party fact-checking and slashing DEI initiatives.

He appears to be remaking Meta, which did not respond to a request for comment from Business Insider, at least partly in the image of Donald Trump and Elon Musk. And he doesn't seem too concerned about the backlash he's facing in some quarters, including from the same people who villainized him during the Cambridge Analytica scandal and the 2016 election, or even his own Meta employees — many of whom have reacted negatively to his latest decision to roll back DEI efforts.

His recent moves hint that he's entering a new era, one in which his leadership increasingly reflects Trump's tastes.

Zuckerberg's transformation

For years, Zuckerberg was known as an almost robotic presence in Silicon Valley. Some people criticized him for copying ideas rather than innovating, and others held onto his image as a wunderkind wearing hoodies or too much sunscreen.

By the end of 2023, though, the Meta CEO had undergone a substantial makeover and was garnering praise in business and cultural circles.

Zuck got shredded and was winning jiu-jitsu competitions. He went on popular podcasts, like Joe Rogan's, to discuss his workouts and make fun of himself.

As a business leader, he acted as the adult in the room and led Meta's "year of efficiency," which turned the company's stock around.

In 2024, he continued his transformation: He ditched his jeans and hoodie uniform for designer T-shirts and gold chains. And his adoration for his wife Priscilla Chan — as evidenced through gifts like a statue of her, a custom Porsche minivan, and his very own version of "Get Low" — won him fans.

His newfound swagger grew into a new kind of boldness.

In the fall of last year, he said his biggest regret in his two decades of running Meta was taking responsibility and apologizing for problems that he believed weren't Meta's fault.

Zuck's next era comes as Trump takes power

Cut to 2025. Zuckerberg now appears to embrace some of the "anti-woke" ideas favored by some political billionaires like Musk, Peter Thiel, and, of course, Trump.

While Zuckerberg didn't endorse Trump — or Harris — in the 2024 election, he and other tech CEOs were quick to congratulate Trump on his victory. Zuck met with Trump at Mar-a-Lago weeks after the election and, through Meta, donated $1 million to his inaugural committee.

Now, he's taking what he calls "masculine energy" and putting it into action at Meta.

"Masculine energy, I think, is good, and obviously society has plenty of that, but I think that corporate culture was really trying to get away from it," he said in an interview on the Joe Rogan Experience podcast that aired on Friday. "It's like you want feminine energy, you want masculine energy."

"But I do think the corporate culture sort of had swung toward being this somewhat more neutered thing," he added.

He started the new year by putting Dana White, the UFC CEO and Trump's longtime ally, on Meta's board and replacing the company's head of policy, liberal Nick Clegg, with former GOP lobbyist Joel Kaplan.

Then, he ended third-party fact-checking on Meta platforms, which some conservatives have criticized, in favor of a more hands-off approach. Like X, Meta will now use "community notes" to allow users to police each other.

"The recent elections feel like a cultural tipping point towards, once again, prioritizing speech," Zuckerberg said while announcing the changes, implying that the choice was, at least in part, a response to the political landscape.

Meta's CMO, Alex Schultz, also told BI that Trump's election influenced the policy change.

The decision has come under scrutiny, with some saying the lack of content moderation opens the door to hate speech.

Under the policy, Meta users can say that members of the LGBTQ+ community are mentally ill for being gay or transgender, for example.

Dozens of fact-checking organizations have signed a letter calling it "a step backward for those who want to see an internet that prioritizes accurate and trustworthy information."

Still, others, including Musk and Trump, lauded the change.

"Honestly, I think they have come a long way, Meta, Facebook," the president-elect said on Tuesday.

In the recent Rogan interview, Zuckerberg said while some may see the timing of the content changes as "purely a political thing," it's something he has been thinking about for a while.

"I feel like I just have a much greater command now of what I think the policy should be and like, this is how it's going to be going forward," Zuckerberg said.

Zuckerberg's recent decision to cut Meta's DEI initiatives could also placate conservatives, who have criticized such policies.

While Trump has not commented on the DEI decision, he has criticized DEI policies in the past.

On Friday, Meta's vice president of human resources, Janelle Gale, said in an internal memo that the company would no longer have a team focused on DEI or consider diversity in hiring or supplier decisions.

"The legal and policy landscape surrounding diversity, equity and inclusion efforts in the United States is changing," she said in a memo.

The decision sparked a backlash among some. Internally, nearly 400 employees reacted with a teary-eyed emoji to the announcement; one called it "disappointing," and another said it was a "step backward," BI reported on Friday.

"Wow, we really capitulated on a lot of our supposed values this week," another employee commented, seemingly referring to both the DEI and fact-checking moves.

Others, though, did seem to support the move: 139 employees "liked" the post, and 57 responded with a heart emoji.

• A luxury Pacific Palisades mansion once featured in "Succession" has been destroyed by the LA fires, the Daily Mail reported.
• The San Onofre estate was purchased by tech CEO Austin Russell in 2021 for $83 million, per Realtor.com
• The Palisades Fire has now burned through more than 23,000 acres.

A luxury Pacific Palisades mansion once featured in the television drama "Succession" has been destroyed by the wildfires ravaging the Los Angeles area, the Daily Mail reported.

Photos published by the Mail seemingly show the house reduced to charred beams and rubble.

The mansion was purchased by the founder and CEO of the lidar manufacturer Luminar Technologies, Austin Russell, for $83 million in 2021, per Realtor.com.

The 20,000-square-foot house, known as the San Onofre estate, featured six bedrooms and 18 bathrooms and had been available to rent for $450,000 a month.

The house had previously featured in the season four premiere of the Emmy Award-winning HBO series "Succession" in 2023.

A representative for Russell did not immediately respond to a request for comment from Business Insider, which was sent outside regular working hours.

The Palisades Fire in the Pacific Palisades area north of Santa Monica is one of a number of blazes raging through the Los Angeles area this week.

The Palisades Fire has burned through over 23,000 acres and is 11% contained as of Sunday, according to Cal Fire.

The blaze, which began on Tuesday, has so far damaged or destroyed over 5,000 structures.

The Pacific Palisades area is home to a number of celebrities, many of whom have now lost their homes to the fire. Those affected include Paris Hilton, Billy Crystal, and Milo Ventimiglia.

The Palisades Charter High School — used as a set for movies like "Carrie" and 2003's "Freaky Friday" — has also been damaged in the fires.

Meanwhile, a Spanish Colonial revival mansion in Altadena that was featured in "Hacks" and the Marvel series "Runaways" was destroyed in the Eaton Fire, per The Hollywood Reporter.

Other Los Angeles landmarks related to the industry have also been lost, including the Will Rogers Ranch house.

The LA County Medical Examiner has reported 16 deaths related to the wildfires so far, with five linked to the Palisades Fire.

• Former Rep. Lee Zeldin, Trump's pick to lead the EPA, made $186,000 from paid op-eds and speeches.
• Some of those op-eds criticized climate policies and ESG.
• The former NY congressman also made $45,475 from gambling at casinos.

Former Rep. Lee Zeldin, President-elect Donald Trump's nominee to lead the Environmental Protection Agency, has made millions of dollars in recent years from consulting, speaking fees, and paid op-eds, according to a financial disclosure made public on Saturday.

That includes tens of thousands of dollars to write about environmental and climate change-related topics. In one instance, Zeldin was paid $25,000 for an op-ed in which he likened environmental, social, and governance investing, or ESG, to the practices of disgraced cryptocurrency entrepreneur Sam Bankman-Fried.

A staunchly pro-Trump Republican first elected to Congress in 2014, Zeldin left office after mounting an unsuccessful bid for governor of New York in 2022. As retiring lawmakers in both parties often do, Zeldin cashed in, establishing a consulting firm to advise corporate clients while enmeshing himself in the well-funded world of conservative political advocacy.

It's paid off. According to the disclosure document, which covers Zeldin's major financial activities since the beginning of 2023, the ex-congressman has made a total of $775,000 in salary income and between $1 million and $5 million in dividends from his main firm, Zeldin Consulting.

He's also received $144,999 from America First Works, a pro-Trump nonprofit where he has a board seat, along with $65,500 from paid speeches and $15,000 from an entity called "Plymouth Union Public Research."

He also got lucky — literally — winning a combined $45,475 in the last two years from gambling at the Golden Nugget, Venetian, and Atlantis casinos.

"All nominees and appointees will comply with the ethical obligations of their respective agencies," Trump-Vance Transition Spokesperson Brian Hughes said in a statement.

Zeldin did not respond to a request for comment.

$120,500 for writing op-eds

The ex-congressman's disclosure reveals a variety of income streams, including substantial speaking fees from GOP organizations in Florida and California, a Long Island synagogue, and a Turning Point USA event in Michigan in June. In multiple instances, Zeldin was paid over $10,000 for a single appearance.

He also disclosed a combined $26,775 in payments from Fox News and Nexstar Media Group for "use of media studio."

The document lists payments from several public relations firms for paid op-eds, listing the news outlet and the date of publication. The titles of those opinion pieces are not listed, but Business Insider identified several that matched the publication and date included in the disclosure.

Among the most notable were a series of paid op-eds on climate issues — Zeldin could soon lead the agency responsible for the federal government's environmental policies.

In an op-ed for Real Clear Policy published in March 2023 entitled "How Congress Can Stop the Next FTX," Zeldin called on Congress to investigate ESG practices and the nonprofit watchdog Better Markets, arguing that companies may use ESG to avoid regulatory scrutiny in the same manner that Bankman-Fried used political contributions to curry favor with Washington.

The disclosure indicates that Zeldin was paid $25,000 to write that op-ed. He also appears to have made an additional $10,000 for another Newsday op-ed in August about ESG and $3,000 for a Fox News op-ed in July that criticized New York Gov. Kathy Hochul's climate policies and called on her to lift the state's fracking ban.

Zeldin was also paid to write about other topics, including $10,000 for a New York Post op-ed criticizing Vice President Kamala Harris' housing policy proposals, $10,000 for a Washington Times op-ed calling on regulators to crack down on China-linked financial platforms, and $15,000 for a Washington Examiner op-ed accusing the Biden administration of targeting Republican-run states via Medicaid regulations.

In some cases, Zeldin was paid even when the articles never saw the light of day. His disclosures list two op-eds that were never published, for which he received $10,000 and $30,000.

In total, Zeldin reported $120,500 in op-ed payments. The original clients who made those payments are unclear, and Zeldin and the Trump-Vance transition did not respond to a question about the original sources.

As with other nominees, Zeldin has agreed to divest himself from his consulting business if he's confirmed as the next EPA administrator, according to his ethics agreement. His confirmation hearing is set for Thursday, January 16.

• TikTok faces a potential US ban if its owner, ByteDance, doesn't find a buyer in about a week.
• TikTok allows users to download and save video content, but it can be tedious.
• Some competitors, like Triller, also offer ways to migrate TikTok content.

With a potential TikTok ban in the United States fast approaching, some social media users are looking for the best way to archive their content.

Congress passed a law last year that would limit the influence of social media apps tied to countries the United States deems foreign adversaries. The US then gave TikTok's parent company, ByteDance, which is Chinese, a January 19 deadline to find a buyer for the app in the United States or face a ban.

TikTok then challenged the law in court. On Friday, the Supreme Court heard arguments from TikTok and the Biden administration as it considered whether to delay the law's effective date, which is now set for January 19.

Legal experts told Business Insider that they expect the Supreme Court will uphold the TikTok ban. "I expect the court to deny the stay, probably soon, and also uphold the law," Matthew Schettenhelm, a litigation and policy analyst at Bloomberg Intelligence, said.

During Friday's hearing, lawyers for TikTok said the social media app could "go dark" and "essentially stop operating" in the United States if the court upholds the law.

If that's the case, TikTok's millions of users may be looking for a way to extract their content ahead of time. Here are a few options.

How to migrate TikTok videos

Triller, a media and marketing company that once positioned itself as a competitor to TikTok, unveiled this week a service that promises to "back up" all of a user's TikTok videos and reupload them to the Triller app.

However, the feature's process is not as easy as the "click of a button" that Triller promises, according to TechCrunch. Once users agree to the terms of service, they can connect their TikTok account to the website, which gives Triller access to videos, profile information, and more.

Triller sends users an email once all of their TikTok content has been downloaded. Then, users have to make a Triller account and follow instructions on uploading their TikTok content onto the Triller app.

How to save your TikTok videos manually

For users who want to avoid giving their personal information to yet another social media platform, the best way to save their TikTok content is likely already inside the app.

Though it is a more tedious process, TikTok allows users to download their content one video at a time from inside the platform.

Inside the TikTok app, you can go to any video you want to download, press the "Share" button, and tap "Save video" to download the video to your device. According to TikTok, if the "Save video" option does not appear, that means the person who posted the content does not allow video saves.

TikTok also allows you to save a copy of any content you post to your device while posting it to TikTok. Inside the "post" screen, you can tap the "more options" button and choose "save to device."

TikTok also lets users download a copy of their entire profile data from inside the app. Inside the TikTok app, users can tap the "profile" button at the bottom of the screen, then tap the "menu" button at the top of the screen and navigate to "settings and privacy." Users can then choose "Account" in the settings menu and tap "Download your data."

• Donald Trump's suggestion for increased NATO defense spending has divided European countries.
• Trump called for NATO members to raise defense spending to 5% of GDP.
• Many European NATO members have struggled to meet the current 2% defense spending goal.

Donald Trump's suggestion that NATO members should allocate 5% of their GDP on defense has prompted mixed reactions in Europe.

The president-elect floated the figure — which is more than double the current target — at a press conference on Tuesday.

"I think NATO should have 5%," he said. "They can all afford it, but they should be at 5%, not 2%."

Currently, no alliance member spends 5% of GDP on defense.

NATO estimates showed Poland was set to lead the alliance in defense spending as a percentage of GDP in 2024, with Warsaw investing more than 4% of its economic output on defense. Estonia and the US followed, spending 3.43% and 3.38% respectively.

Trump's remarks sparked dismay among some European officials.

Ralf Stegner, a member of Germany's Social Democratic Party, wrote in a Facebook post that Trump's comments were "delusional and truly insane."

"Where are the resources supposed to come from to solve the real-world problems?" he said. "We have too much poverty, environmental destruction, civil wars, migration, and too few resources to combat this more actively."

Speaking to reporters on Wednesday, Italian Defense Minister Guido Crosetto cast doubt on the feasibility of Trump's proposal: "I don't think it will be five, which at this time would be impossible for almost all nations in the world," he said, per Italian news agency Ansa.

But Crosetto added that he did expect the target to be raised above 2%.

Italy was on track to spend 1.49% of GDP on defense in 2024, while Germany — which is gearing up for a snap federal election in February — was set for 2.12%.

For nations closer to Russia and its ongoing invasion of Ukraine, increasing defense expenditure may not seem like such a bad idea, however.

Warsaw has already signaled its support for Trump's demand, with the Polish defense minister telling the Financial Times that Poland "can be the transatlantic link between this challenge set by President Trump and its implementation in Europe."

In Estonia, the shared border with Russia has led to heightened tensions and an increasing focus on defense.

Reacting to Trump's comments, Estonian Prime Minister Kristen Michal told Politico that it was the "message that Estonia has been advocating for years."

"This is a clear signal to Putin that he should not dare to test NATO's nerves and that we are prepared for it," he said.

At a Northern Group partners' meeting last year, Estonia's defense minister urged allies to increase spending to 2.5% to counter the threat of Russian aggression.

Sweden, which has also increased defense spending since Russia's invasion of Ukraine in 2022, also backed the call for increased spending.

"There is a broad consensus in Sweden that we need to invest more in our defense," the country's foreign minister, Maria Malmer Stenergard, said, per Politico. "US governments have long urged European countries to increase their defense spending and to bear more of their own defense costs. We share this view."

Lithuania has also prioritized defense spending amid the growing Russian threat. Its president, Gitanas Nausėda, recently called on European countries to "show more support for the US global agenda" by increasing their share of the defense burden.

For his part, NATO Secretary General Mark Rutte has said Europe knows it must spend more on defense.

During a trip to Warsaw in November, Rutte praised Poland for its defense spending efforts, saying it sent "a clear message not only to our adversaries but also to the United States. That Europe understands it must do more to ensure our shared security. And that starts with spending more and also fielding more capabilities."

Nevertheless, analysts say Trump's 5% figure is unrealistic.

"Many European NATO countries are funding higher military spending through debt, cuts in other expenditure areas, and proposals to increase taxes," Nan Tian, a senior researcher and program director at the Stockholm International Peace Research Institute's Military Expenditure and Arms Production Programme, told Business Insider. "These existing increases would push military spending to a level about half of what Trump proposed of 5% of GDP, thus I don't think this is a realistic target."

"5% of GDP level would be higher than the same countries spent at the height of the Cold War," Tian added.

Ruther Deyermond, a senior lecturer at King's College London's Department of War Studies, went further, calling Trump's suggestion a "coercive tactic."

"It looks as if the point of the 5% demand is for it to be unachievable - the intention seems to be that states will fail," Deyermond wrote on X. "It's a coercive tactic (pay up or your country gets it) that also signals that NATO is no longer a meaningful alliance."

• 22-year-old Tabitha Snavely evacuated her apartment ahead of the Palisades wildfire.
• Snavely, who works multiple jobs, said many in her building were blue-collar workers or older people.
• She evacuated to her parents' house and told BI she needs to find a new place to live that is closer to work.

This as-told-to essay is based on interviews with Tabitha Snavely, a 22-year-old living in the Palisades. Her identity and employment has been verified by Business Insider. This story has been edited for length and clarity.

I'm 22 years old, and I live alone in a rented medium-sized apartment building in the Palisades. I've lived in California my whole life so this isn't my first time dealing with a fire.

On Tuesday night, I woke up to the alert of an evacuation. I had about 45 minutes to pack and feed my dog really quickly because I didn't know when we'd be in a safe area. As I was packing up, I started smelling smoke in my unit. As soon as I started smelling the smoke, I was like, "OK, I need to leave now."

I threw some clothes in a suitcase, grabbed my dog, loaded up my car, and started driving. I grabbed everything that I had the instinct to get out in an emergency, like my phone, laptop, some clothes.

When I pulled out of the parking garage, I could see so much smoke and then hundreds of cars trying to get out. Luckily, I am closer to the Pacific Coast Highway, so I was able to get out pretty quick.

I evacuated to San Diego. My family thought it was a better idea for me to evacuate here with them than to go to a friend's in Santa Monica or Hollywood because as the fire keeps growing, more people seem to keep getting evacuated.

The aftermath

I saw on the Watch Duty app on Wednesday that my apartment building was in a bright red zone — indicating it was in the path of the fire. My unit specifically is tucked away on the inside of the building, so I was hoping that not everything in my unit was demolished.

I planned to check on it over the weekend. Now, I've seen news footage showing my street and buildings that burned, including my apartment building.

Everything I left behind may now be gone: photos, books, my college diploma. I had my great-grandmother's quilt that she made for me before she passed away. I also had a set of plates and mugs that my grandma gave to me when she died. A lot of my things are thrifted or are hand-me-downs so they're not easily replaceable.

At the same time, my parents are selling their house, so the place I could stay for evacuation, although it isn't close to my job, is very temporary. I feel like a floater with nowhere to go because I don't want to impose on my friends too long without a secure plan for where to go.

A lot of my friends live in Santa Monica, Brentwood, or Malibu, and they have been starting to get evacuated now, but some of them have been able to return to their homes.

I'm close with a lot of the older people who have lived in the Palisades for decades. I would hang out with them at the coffee shops for hours. I don't know how any of them are doing because many of them only have home phones and not cellphones.

I have a hard time feeling at home, but this apartment finally felt like home. I loved everything about it.

It's not only wealthy people living in the Palisades

I know also that a lot of people think that the Palisades is very wealthy, but I don't feel rich. I have multiple jobs. A lot of the people in my building are blue-collar workers, and there are a lot of older people in the Palisades.

I work at a coconut water company, which allowed me to work remotely for the next week before returning in person. I also am a personal assistant for someone who owns a film production company, which also gave me the week off.

Luckily, I have renter's insurance, but I don't know where I will be living. Airbnb has offered a free week to people who have lost their homes, but I filled out the form and haven't heard anything back yet.

I have friends who have offered their couches for me to sleep on while I figure out what to do next, but I still do not have a definitive plan because I've been so scatterbrained since the fire evacuation alert woke me up.

I think we need to keep more compassion alive at this time because online, I've been seeing a lot of people say that the Palisades is very rich and they can all just afford to rebuild.

No one deserves to lose their home.

• China has been busy lately showcasing its military might and hybrid warfare tactics.
• The moves come ahead of Trump's return to the White House this month.
• Its activities highlight China's ambitions and intentions and the challenge it poses.

Since the 2024 US presidential election, China has been surprisingly busy with overt and covert displays of might that represent a challenge for the US, both the current and incoming administrations.

China, long identified as the Pentagon's "pacing challenge," has flexed new military capabilities, increased pressure on US allies and partners, and engaged in hybrid warfare in cyberspace.

Over the past couple of months, suspected next-generation Chinese combat aircraft have appeared, China's navy has launched new warships, the Chinese military simulated a naval blockade of Japan for the first time and carried out massive drills near Taiwan, the US has blamed Chinese hackers for major hacks of the Treasury Department and telecommunications firms, and concerns have been raised about China's involvement in damage to critical undersea infrastructure.

Some of Beijing's recent actions might be "part of a long-term strategy to shape a new (or returning) administration's approach to China and deter external support for Taiwan," Matthew Funaiole, a senior fellow with the China Power Project at the Center for Strategic and International Studies, told Business Insider.

China has been flexing its military muscles in a big way

China deployed around 90 of its navy and coast guard vessels around Taiwan, as well as southern Japanese islands, for a large-scale exercise, Taiwan said in December. Beijing didn't announce anything ahead of time and hasn't acknowledged it as a military drill.

Taiwan recorded over 60 incursions into its air defense identification zone and said Chinese forces were simulating attacks on foreign ships and disrupting the navigation of others.

The exercise was China's largest since the 1996 Taiwan Strait Crisis. It followed Taiwanese President Lai Ching-te's visit to several Pacific partners, which Beijing condemned, and came ahead of Trump's return to the White House. China routinely ramps up demonstrations of military power at symbolically important times for both international and domestic audiences.

Giselle Donnelly, a senior fellow in defense and national security policy at the American Enterprise Institute, said that the timing of these exercises "is more than coincidence," not unlike Russian President Vladimir Putin's efforts over the last few months to put pressure on Ukraine before Trump takes office and US aid to Kyiv faces an uncertain future.

Chinese leadership may see exercises like this as a way to "get an early read" on the incoming Trump administration's approach to US-Chinese politics, she added.

In December, China also held military exercises resembling a naval blockade in the Miyako Strait between Japan's main island and Miyako Island, Japanese officials told The Yomiuri Shimbun, which reported the news earlier this month.

And just before ringing in 2025, China announced its air and naval forces were conducting combat readiness patrols around the Scarborough Shoal, a disputed area in the South China Sea near the Philippines that was the site of heightened and repeated confrontations between Beijing and Manila last year. Chinese vessels were accused of harassing Philippine ships, in some cases ramming them and blasting crews with water.

China has unveiled new capabilities

In November, China unveiled advanced aircraft at its Zhuhai Airshow, including the J-35A land-based stealth fighter. The Chinese developer hailed the fifth-gen jet's stealth, informationization, and networking capabilities, calling it a "point guard" for Chinese airpower — similar to how the F-35 stealth fighter has been referred to as a "quarterback" by Lockheed Martin and the US military.

The next month, however, China surprised Chinese aviation watchers with what observers suspect are prototypes of next-generation aircraft. The Pentagon said in its latest Chinese military power report that Beijing is developing new medium- and long-range stealth bombers to strike regional and global targets." It's unclear if the aircraft, which were flown in broad daylight, are part of those efforts.

China also launched the warship CNS Sichuan, China's first Type 076, and the world's largest amphibious assault vessel — an upgrade from China's Type 075 warship. The large ship features an electromagnetic catapult system for launching and retrieving fixed-wing and unmanned aircraft.

For several years now, the US Department of Defense has noted China's growing navy, already the world's largest, and shipbuilding prowess, as the industrial juggernaut churns out new vessels.

China has been called out for dangerous cyber activity

Washington has accused Chinese actors of engaging in major hacks lately.

Just before the new year, the Treasury revealed that suspected Chinese state-sponsored hackers had breached its systems and were able to "access certain unclassified documents" from department workstations. The department said it was working "fully characterize the incident and determine its overall impact."

The hack followed the discovery of a yearslong breach by China of US telecommunications companies. Top targets of the hack included Trump, his pick for vice president, J.D. Vance, and current VP Kamala Harris. Washington linked this hack to an incident involving Microsoft last summer. Lawmakers have expressed concern that encrypted calls and texts may no longer be secure.

White House Deputy national security advisor Anne Neuberger said that data belonging to millions of Americans was likely compromised by the hack and noted the US doesn't believe these hackers have been "fully removed" from targeted systems. 

Chinese actors are also believed to have accessed the Justice Department's list of wiretapped phone numbers related to potential espionage crimes. There have long been concerns about China's hybrid warfare and its potential for systems destruction warfare in a crisis situation.

China has also been accused of sabotaging undersea cables near Taiwan and been linked to an incident in the Baltic Sea. Experts and officials have assessed the efforts are in line with the larger hybrid warfare tactics employed by Beijing.

Over the past two months, China has showcased capabilities and engaged in actions that represent potential challenges for the US and its allies and partners. These are issues the incoming Trump administration will continue to face.

And it isn't China alone. US and other Western officials have increasingly expressed alarm at cooperation between China, Russia, Iran, and North Korea, all of which have been stepping up their efforts to confront the US-led world order.

• I get manicures every month, and I prefer structured nails when I don't do extensions.
• I spent $110 on a structured Gel-X set, which included soft builder gel, nail art, and cuticle oil.
• I liked the low maintenance of this manicure, and it lasted four weeks.

For most of 2024, I tested several different types of manicures, from Japanese and Russian to intricately painted press-ons and at-home gel. By the end of the year, I was thrilled to be going back to basics with my go-to Chicago nail tech.

For this appointment, I opted for a $110 structured Gel-X manicure with some added artistic flair.

A structured manicure is similar to a regular gel set, except there's an extra layer of soft or hard gel to build up your natural nail before applying the polish. This layer creates an apex, making for a stronger foundation that lessens the likelihood of breakage.

With nail health and manicure longevity at the top of my priorities list, here's how it went.

It was nice to return to my usual nail artists.

After months of experimental manicures, I went back to my usual licensed nail tech, Teresa "Tere" Rodriguez, a Chicago-based artist who specializes in gel extensions and structured manicures.

I get manicures once a month, which can really put a gamble on my nail health. I adore long, heavily decorated nails, but those tend to be more damaging — especially when I break one.

Whenever I'm looking for a break from extensions, I opt for structured manicures to (hopefully) better protect my nail health.

Plus, I like that they typically last three to four weeks as opposed to the standard two to three.

The manicure prep followed a pretty simple process.

Based on Rodriguez's website options, I booked a "Tier 3 Extra Intermediate" appointment for 6:30 p.m. That level included charms, textures, and nail art.

Rodriguez started the appointment by prepping my nails and conducting cuticle care like any standard manicure.

Next came the builder gel.

Once the nails were prepped, Rodriguez followed up by applying a slip layer, which is a thin layer of builder gel. They then added a thicker layer of soft builder gel, which created a solid apex.

After the builder came a base layer of black gel polish.

I opted for a flashy gold design.

I sent Rodriguez inspiration images for my manicure a week before my appointment. The main theme was gold glamor with lots of gemstones.

Since I'm only working with the size of my actual nail beds (as opposed to longer extensions), I had to be picky about the size, shape, and color I wanted the gemstones to be.

Rodriguez got to work adding 3D effects and rubbing gold chrome on top of the black gel on each nail. They then hand-placed a gemstone on nearly every open spot and secured them by curing the gel under the lamp.

Before curing each nail, the tech made sure I was happy with the design, which I really appreciated.

The set took about two hours in total.

With prep work, builder gel, curing, and designing, I knew I was in for the long haul.

Rodriguez and I usually chat to pass the time during the appointment, but they also offer silent appointment options, where clients can listen to a podcast or watch a show instead of talking.

I like to be involved in the design process of each nail, which can be time-consuming, so I wasn't surprised when my phone read 8:30 p.m. as Rodriguez applied cuticle oil to my finished nails.

After four weeks, I thought my nails still looked pretty decent.

Overall, I enjoyed how low-maintenance this set was. Although I feel more confident with long nails, I took comfort in the fact that I didn't have to worry much about breakage.

After four weeks, my manicure was still holding up — with the exception of a few wayward gemstones, which can be chalked up to my hands-on lifestyle. Because of the gold base, the missing gems didn't put much of a dent in the overall aesthetic.

Luckily, I didn't think the grow-out was too bad, which ultimately saved me money because I could skip a mid-month appointment. However, I was really interested in the health of my nails under the gel.

When I got the set removed, my nails looked a little thin but not as flimsy as I anticipated.

I wouldn't use a structured gel manicure as a way to grow out my natural nails, but I think it's great for low-maintenance upkeep.

• My daughter graduated from college and moved by herself.
• Still, as her mom, I can only think of the worst-case scenarios.
• As an empty nester, I feel a bit pushed to the side by her, and at the same time, I get it.

This past year, my now 22-year-old daughter graduated from college, moved out, and (in not so many words) told me she was fine on her own; thank you very much.

Of course, we all want our kids to fly the nest. We pray that they are strong, independent, and self-sufficient. Mine is all of the above and more; I marvel at her strength, determination, and resiliency — not to mention her ability to navigate the New York City subway system.

Still, my worry when she was a child and prone to skinned knees is nothing compared to how much I worry today.

I jump to worst-case scenarios

My mind imagines only the worst-case scenarios whenever she fails to answer a call or text. I send her cautionary news on Instagram and cringe when she and her boyfriend fly at odd hours into odd airports, seemingly to save money but also to give me a bleeding ulcer.

As she outlines their trip to Iceland, I bite my tongue and zone out somewhere between "climbing glaciers" and "exploring ice caves." For her 21st birthday, she went skydiving. I called my therapist, begging for her to prescribe me Valium. Instead, we agreed it was OK if I simply did some day drinking until I heard that she was back on solid ground. Did I mention she also recently scaled the side of a skyscraper and went axe-throwing?

I know my born-and-bred New York offspring has street smarts and can balance her own checkbook. Another bit of reassurance I have is that her boyfriend is skilled in martial arts and would hurl himself in front of a Marvel villain to protect her.

I just need to trust that she will Google what she doesn't know if she won't ask me. But resisting the urge to interfere takes nerves of steel. I freak out or offer advice a bit too emphatically: "No! You can't eat week-old salmon! No! You can't microwave tin foil! Yes! You need to wash your sheets once a week!" I weigh in when not asked for my viewpoint — it's a force of habit.

I have to let her grow

I know her better than she knows herself. I know what items she would order on a menu, what shoes would go with that dress, and what Netflix shows she would love. I want to spare her the pain of making mistakes and missing out, but I realize that will not allow her to grow.

So, instead, I resort to sending my suggestions in texts or DMs — that way, she can ignore them if she chooses. But I secretly rejoice every time she responds or "hearts" one. I feel appreciated and acknowledged as a member of her inner circle, though I am clearly on the outside looking in. To be left "unopened" is brutal, a crushing blow to my mom heart. But I know I need to get over it — or at least pretend not to be hurt.

My husband is much more hands-off, saying things like, "If she misses her flight because she leaves only an hour to get to the airport, she'll learn." But will she? Will she actually self-correct without me there to whisper in her ear? When, of course, she does, part of me wants to jump for joy, while the other part is a little sad. Does that mean I'm no longer needed?

As empty nesters, this next part of parenthood is tricky and treacherous. I feel a little bit like nearly-expired milk pushed to the back of the supermarket shelf. But I know this is how it's supposed to go. You raise them to let them go.

All of this is new and scary and fraught with emotion (and often, tears), not unlike her baby and toddler years. Sometimes, my heart aches like someone has torn a piece out of it. But I have adjusted these past 12 months, trying to give my daughter space and grace and myself the same. Like my now all-grown-up child, I will find my strength and balance — one small baby step at a time.

• Wealthy travelers are increasingly seeking luxury train trips.
• The Glacier Express' luxurious Excellence Class seats are often the first on the train to sell out.
• A ticket for the eight-hour journey through the Swiss Alps costs about $540, ten times the basic fare.

Glacier Express' Excellence Class seats could turn any miserable 8 a.m. train commuter into Francis Bourgeois.

That is if you can afford it.

A ticket for the plush eight-hour journey through the picturesque Swiss Alps costs about $540, tenfold the price of the train's basic fare. However, the sweet seats may be worth the cost.

The Glacier Express operates one of the most beautiful train trips in the world. Plus, they come with trendy bragging rights — these seats have become a hot commodity.

Frank Marini, president and CEO of Railbookers Group, told BI that his train-focused tour company saw a 68% spike in luxury bookings from 2023 to 2024.

"It keeps snowballing," Marini said. "We see passengers that have come back traveling with us on a lot of luxury rail, and they're like, 'well, where else is there luxury rail?'"

The answer? Around the world and especially in Switzerland, which has become "immensely popular" for luxe train experiences, Andrew Channell, Railbookers' senior vice president of product and operations, told BI, adding that it's one of his favorite destinations.

In the Swiss Alps, you'll find a particularly popular pick — the Glacier Express.

The iconic train brings guests on an eight-hour journey between the resort town of St. Moritz and the base of the iconic Matterhorn in Zermatt.

Along the way, travelers pass through 91 tunnels and 291 bridges, providing a picturesque peek at the snow-capped peaks, majestic gorges, and popular tourist towns.

With views like these — and a fortuitously ongoing rise in "coolcations" — it's no surprise that the train is often sold out, a company spokesperson told BI in an email.

Demand for the Glacier Express' top-tier Excellence Class seats has been particularly strong.

A red carpet rollout and Champagne welcome the train's highest-paying guests to their eight-hour journey (at a window seat, of course).

Relish the Swiss sights as you dine on a five-course meal with a wine pairing.

Expect dishes such as smoked trout with roasted beets and horseradish cream cheese.

If the included booze isn't satisfactory, you could buy a drink at the crystal chandelier-topped Glacier Bars exclusive to Excellence Class guests.

These upscale seats ring in at 490 Swiss Francs, about $537, each.

It's a steep price compared to the cheapest seats, which cost CHF 49, or about $54.

Yet, the sumptuous accommodations — which see a 94% to 96% occupancy rate throughout the year — are often the first section to be reserved, according to the spokesperson.

The company saw more than 281,300 passengers in 2023, the strongest year in its more than 90-year history.

To keep up with demand, the Glacier Express increased its winter capacity in 2024, accommodating almost 290,000 guests. (It operates 1,820 trips annually, about 70% in the summer.)

After all, Disney's Matterhorn bobsleds likely don't compare to views of the real thing.

• My first wife and I decided to move to Maui after vacationing there.
• After our difficult divorce, I left the island in a hopeless state.
• Years later, I took my new family to Maui to show them the place that saved my life.

I met my first wife working at a fast food restaurant and developed a friendship that turned into a relationship. We were married three months after we met — the day after my 18th birthday. Like me, she was from Milwaukee, and we raised three kids in Wisconsin.

With our 10th anniversary coming up, we wanted to celebrate somewhere special. After doing a bit of research, we chose Maui, Hawaii.

I expected to enjoy the island but didn't realize how special Maui would be. We instantly fell in love with Hawaiian culture, the ocean breezes, delicious food, and a slower pace of life. Every day on Maui felt like a life I had always dreamed of living.

The island became an important hub in my life — through two marriages and a lot of healing.

We decided to move to Maui, and it was paradise — until it wasn't

We debated whether we could afford to live in Maui and whether it was smart to be away from family. But we knew it was the right decision.

The kids were excited to leave Wisconsin and live on a warm, tropical island, and so were we. We sold most of our possessions, rented a home, moved to Maui, and lived a few blocks from the beach.

Life on Maui was everything we hoped it would be and more. While life was good, my relationship with my first wife wasn't.

We were far from the place and life we were comfortable with. Tiny ripples of arguments turned into daily eruptions that eventually led to the end of our marriage two years after moving to Maui.

Divorce is expensive, and paying to support my ex-wife and three children meant I wouldn't have much money left.

The divorce and decisions I made from being in a desperate and hopeless place left me with $28 in my bank account and no hope for life when I left Maui. I used my last few dollars to book a flight to the mainland.

I was homeless and stayed on a friend's couch

I left Hawaii for South Florida around Christmastime because my friend said I could stay at his home. He saw my state and let me sleep on a couch.

I still had my business and focused on earning more revenue. I sell online courses, so I offered some promotions and created a ton of content for social media; thankfully, a few sales started to trickle in.

Even though my money was low, I knew I needed help, so I used the spare few pennies I could muster on some therapy sessions.

As I healed, an inner voice told me I needed to return to Maui, a place that meant everything to my mind and spirit. I couldn't explain it, but I knew my healing and growth wouldn't be complete without returning to Hawaii.

I went back to Maui to fully heal

After paying my bills and child support each month, I was still low on cash, but I did have some travel rewards. After booking my flight to Maui with points, I booked a stay in a $20-a-night hostel for the month of January. I would be roughing it with the young folks.

Once I was on Maui again after leaving in such a broken way, my suspicions were right: I had completed my healing.

I spent mornings in the ocean, letting the sounds and breezes calm me. I worked on my business every day from cafés that overlooked the water. Being so close to the beach, I slept well every night. I reconnected with friends, exercised, ate fresh food, and spent time with my kids.

I healed through Maui's amazing energy and left the island a month later in a better mental state and with a plan.

I had an incredible year that year, and my life, mindset, relationships, and business have grown exponentially since then. That bonus month on Maui allowed me to write a new chapter in my story — a triumphant chapter.

I brought my new family to Maui, too

Three years after my healing experience, a friendship with my now-wife Cindy blossomed into a relationship that grew into a marriage proposal.

I remarried, was out of debt, and running a thriving business.

I wanted to take my second wife and stepchildren to Maui to experience a place that had profoundly changed my life. I had told them so much about the island and what it had done for me, and they wanted to experience it for themselves.

It was such an incredible family vacation to introduce my family to the awesomeness of Maui. They loved it so much and understood its impact on my life. We made a once-a-year family trip every year up until the year of the great fire in Lahaina.

Your environment can profoundly affect you as a human being, and Maui continues to be the place that impacts my life. It's the place I come back to for healing, inspiration, and growth.

• This post originally appeared in the BI Today newsletter.
• You can sign up for Business Insider's daily newsletter here.

Welcome back to our Sunday edition, where we round up some of our top stories and take you inside our newsroom. The devastation from fires this week in Los Angeles worsened the state's insurance crisis. Business Insider's Dan Latu spoke to experts about how premiums will continue to rise and why securing a loan may even get harder.

On the agenda today:

• Donald Trump won. Now Mark Zuckerberg is reshaping Meta.
• A leaked AWS org chart shows the 11 executives reporting to CEO Matt Garman.
• From building wealth to suburban homes, millennials are starting to look a lot like their boomer parents.
• The tough-love advice Morgan Stanley CIO Mike Wilson gives his new hires to prepare for a career in banking.

But first: Back to the office.

If this was forwarded to you, sign up here. Download Business Insider's app here.

Five years

It's been nearly five years since corporate America sent its white-collar workforce home amid the onset of the pandemic.

Five years later, RTO v. WFH, a.k.a. working in an office vs. at a kitchen table, remains hotly debated. Business Insider keeps delivering the scoops.

Dominick Reuter and Tim Paradis recently broke the story that AT&T would follow Amazon with a 5-day mandate.

Meanwhile, JPMorgan officially told employees on Friday it expects most workers back in the office five days a week starting in March. Read the full memo here.

It's one thing to set a mandate, and it's another to make it work for workers.

Ashley Stewart broke the news in December that Amazon would delay its policy in select locations due to workplace shortages. This past week, Ashley exclusively reported a list of some 40 locations where the Amazon rollout was delayed, from Santa Clara, Calif. and Austin to hubs in China and India.

Meanwhile, Dominick came back with an exclusive about bumps in AT&T's rollout for workers, such as waits for elevators and jockeying for parking spots. (I put his article on my Linkedin and got some spicy comments.)

Tim wrote about why companies can't seem to stick the landing once they make the decision to return five days.

And Aki Ito jumped in to write that despite the headlines, corporate America is far from a full return to the office.

We'll stay on this story in the weeks and months to come.

Please let me know your thoughts on our coverage, on this or any other subject!

Meta's Trump era

Content moderation has gotten Meta into plenty of hot water before. But the abrupt ending of its third-party fact-checking program was done specifically for Donald Trump, BI's Peter Kafka writes.

The new policy includes adopting "Community Notes," which would have users police one another à la Elon Musk's X. It's the latest in a series of moves Mark Zuckerberg has made to curry favor with the president-elect and his conservative allies.

Zuckerberg in Trumpland.

Also read:

• Meta employees react after the rollback of DEI programs — both for and against

Leaked AWS org chart

Amazon Web Services CEO Matt Garman has made a few changes to the cloud business since stepping into the role last June.

One of his biggest changes has been hiring Julia White as chief marketing officer. A leaked organization chart shows the 11 executives under Garman who are helping him lead the unit through an intense competition period of cloud computing and AI.

Meet the 11 executives.

Behold, the millennial boomers

Millennials have long had a "forever young" air to them. They're a generation marked by a sense of arrested development.

But in reality, millennials are starting to mirror their boomer parents in terms of wealth and earnings. They're buying homes and settling down in the suburbs. And in some areas, they're actually doing better than their parents.

Becoming mom and dad.

Also read:

• Millennials were celebrated for their minimalism. Turns out it was all a lie.

Mike Wilson's tough-love advice

Sometimes you have to flop before you fly. That much is true, even on Wall Street.

Morgan Stanley's Mike Wilson says the key to success is learning to accept failures. He wants newly minted Wall Streeters to know the road ahead is only going to get harder — and how to prepare themselves for it.

Words to the wise.

This week's quote:

"We have a captured industry where the middlemen get to kind of do whatever they want."

— Josh Tucker, an appraisal manager and cofounder of the Appraisal Regulation Compliance Council, on homebuying's giant hidden cost.

More of this week's top reads:

• The Getty Villa survived LA's firestorms while everything around it burned, revealing a key lesson for homeowners.
• Internal Microsoft document shows one way managers decide which employees they can't afford to lose — and it's all about AI.
• Fed up with HR, people are reporting their horrible bosses on social media.
• Exclusive: Microsoft is planning job cuts and focusing more on underperforming employees.
• Polymarket is taking bets on the Palisades fire in California.
• The wildfires have a Hollywood producer wondering: Should I even stay in LA?
• Vox Media shakes up leadership and lays off staff for the 2nd time in about a month.
• The gambling industry's sly new way to suck money from desperate Americans.
• I've interviewed dozens of self-made millionaires, early retirees, and 'super savers' and plan to use one of their top wealth-building strategies in 2025.

• Silicon Valley is licking their chops at the promise of AI 'agents.' These are the startups to watch.

  ---

  The BI 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.

• Doug McMillon, the CEO of Walmart, shared some insight into his reading habits.
• His book list covers a wide range of interests — from managerial strategies to developments in tech.
• Here are 10 books that McMillon read in the last year, and the one he said impacted him the most.

While their calendars are often chock-full of meetings, some CEOs still find the time to read for pleasure — or to dive deep into a particular topic. Business leaders have long shared their picks for books that helped inform their strategies, both personally and professionally.

Doug McMillon, Walmart's CEO, posted his usual end-of-year roundup, listing 10 of the books that shaped his 2024.

"It was most impactful reading Sam's book again," he said. "Every time I read it, I pick up new ideas and am reminded of why our culture is so successful."

This time, a few more titles on AI made the cut, with three recent books on the subject included in the list.

Here are the authors McMillon has been reading, with a brief summary of what each book has to offer.

"How to Know a Person" by David Brooks

David Brooks' 2023 "How to Know a Person" draws from the world of psychology to help readers better understand how to connect with those around them.

"Just the Good Stuff" by Jim VandeHei

This book, published last year, looks to offer a practical guide to achieving success in life and career by pulling from Axios and Politico cofounder Jim VandeHei's own experiences with journalism and entrepreneurship.

"Financial Literacy For All" by John Hope Bryant

Bryant, who served on the President's Advisory Council on Financial Literacy, aims to provide anyone looking to build strong financial foundations with an accessible guide to reaching their goals.

"Genesis" by Henry Kissinger, Craig Mundie, and Eric Schmidt

"Genesis," co-written by former Google CEO Eric Schmidt, explores the potential benefits and repercussions that could result from the evolution of AI and debates how the technology could interact with humanity in the long-run.

"Co-Intelligence" by Ethan Mollick

"Co-Intelligence," authored by Wharton associate professor and co-director of AI labs, Ethan Mollick, encourages readers to engage with AI in a productive way — not by replacing human skill, but augmenting it. The book examines how people might be able to benefit from AI and learn to use it to their advantage.

"Competing in the Age of AI" by Marco Iansiti and Karim R. Lakhani

In their artificial intelligence-focused book, Iansiti and Lakhani provide a framework for competing in the evolving age of AI by examining the structures of what they call "AI-centric organizations."

"How Stella Saved the Farm" by Vijay Govindarajan and Chris Trimble

This book, published in 2010, is about a troubled farm threatened by bankruptcy and competition and serves as a parable to deliver a lesson on innovation.

"Collaborative Disruption" by Tom Muccio

"Collaborative Disruption: The Walmart and P&G Partnership That Changed Retail Forever" explores, from an insider's perspective, how the relationship between Walmart and Procter & Gamble profoundly affected the retail industry.

"The Wisdom of the Bullfrog" by Adm. William McRaven

"The Wisdom of the Bullfrog" draws from Adm. McRaven's extensive military career to impart the reader with fundamental lessons in leadership.

"Made in America" by Sam Walton with John Huey

Written by Walmart's founder, Sam Walton, "Made in America" was McMillon's most "impactful" read of the year, the CEO said.

Walton's autobiography, published in 1992, tells the story of Walmart's rise to become a retail giant.

McMillon said he gleans "new ideas" from every read.

• A US passport is not as powerful as it once was, according to the annual Henley & Partners Passport Index.
• The index ranks passports by visa-free access to 227 destinations, and the US is only ninth.
• Singapore holds the top spot, with access to 195 destinations visa-free.

A US passport is not as desirable as it used to be, according to the 2025 Henley Passport Index, which was first published 19 years ago.

The index, which ranks 199 passports based on how many out of 227 destinations they offer visa-free access to, has placed the US passport in ninth place, slipping from the top spot in 2014. This year, it allows American travelers to enter 186 countries and territories without a visa, not including Nigeria, India, and Russia.

Stemming from data provided by the International Air Transport Authority and updated using internal research and open-source online data, UK-based consulting firm Henley & Partners listed Singapore as the world's most powerful passport for the second year in a row. It has access to a total of 195 destinations.

Ranked in second place is the Japanese passport, with a visa-free score of 193. The third space is shared by six countries: Finland, France, Germany, Italy, South Korea, and Spain. The United Arab Emirates is the only Middle Eastern country to make it into the top ten. It has risen 55 places overall in the index since 2010.

A strong passport provides more freedom to travel without needing to apply for a visa.

Nepal, Somalia, Pakistan, Yemen, Iraq, Syria, and Afghanistan are ranked in the bottom five spaces. Compared to Singapore, which allows visa-free access to 195 countries and territories, holding an Afghan passport only allows visa-free access to 26 countries.

When Taylor Kitsch finally shows up onscreen in his new Netflix show "American Primeval" about 10 minutes into its premiere, one of the first things the audience sees is his bare butt.

Those who know Kitsch from his breakout role as Tim Riggins in the mid-2000s NBC series "Friday Night Lights" would be forgiven for assuming this shot is playing into Kitsch's former teen heartthrob status. But in "American Primeval," Kitsch is far more interested in nakedly depicting the roughness of life in the 19th century American West than in providing eye candy to nostalgic millennials.

The streamer's gritty miniseries is blood, dirt, and warfare on an epic (and expensive) scale, chronicling the brutal 1857 clashes between the US Army, Native Americans, Mormons, and settlers in Utah Territory, with a cinematic yet deliberately unsentimental eye ("Yellowstone," this is not.)

As the troubled Isaac Reed, a white man raised by the Shoshone tribe who begrudgingly agrees to guide Sara Rowell (Betty Gilpin) and her son across treacherous territory, Kitsch is all lumbering physicality and intense stares. So much so that when he's first introduced to Sara while climbing out of a river, he hardly notices or cares about the impropriety of his nude body being exposed to a stranger.

With a wardrobe comprised mostly of tattered rags and a scraggly beard obscuring the clean-cut good looks that once landed him in a 2000s-era Abercombie ad, this is not a role one might expect from Taylor Kitsch. That's exactly the way he likes it.

"I take a lot of pride in taking very, very different roles," Kitsch, 43, told Business Insider, adding that being uncomfortable helps him do his best work.

"I try and chase fear and things where when you first read it, you're like, 'Oh, fuck. How am I even going to do this?'"

'American Primeval' re-teams Kitsch with the man who helped make his career

Kitsch was a struggling model-turned-actor who'd endured periods of homelessness when he first met "American Primeval" director and executive producer Peter Berg while screen-testing for "Friday Night Lights" in 2006.

Berg, who developed the football series based on his hit film of the same name, said he knew Kitsch had to be Riggins from the moment he saw him step out of his manager's car on the NBC lot. Though the studio had already shortlisted several hot young stars to play the Panthers' troubled running back, Berg managed to sell the unknown Canadian actor to the show's producers, and the rest is history.

The series would mark the start of Kitsch and Berg's fruitful creative partnership, which has endured for almost two decades, as the two have gone on to work together on movies like "Lone Survivor" and "Battleship" and other television shows like "American Primeval" and the 2023 Netflix series "Painkiller."

Kitsch said his symbiotic relationship with Berg has allowed him to grow exponentially as an actor.

"I hope I challenge him as much as he challenges me for authenticity, to keep each other on our toes," Kitsch said. "I think that's why he comes and brings me along these rides. I think he knows that I will try and make him look incredible and make him look right every time he casts me."

Berg's buy-in kickstarted Kitsch's career. But six years and five seasons on the "Friday Night Lights" set ironically left him unprepared for the very thing he was expected to chase after next: movie stardom.

"'Friday Night Lights' was no marks, no rehearsal, natural light, a lot of improv, which I love," said Kitsch, who was known for sometimes scrapping Riggins' lines entirely and replacing them with just a look. "[Berg] wants you to take risks, because that's where you're going to uncover something. And I love that."

While Kitsch was able to "learn and fail" many times on "FNL," he encountered far more rigidity on the set of his first big-budget blockbuster, 2009's "X-Men Origins: Wolverine."

"My first fucking day on 'X-Men' was like, 'Hit the mark, find the light, say your line, and don't say it like that,'" Kitsch recalled. "I've never been told this, and then it's like, 'Whoa, whoa, whoa. You guys are actually using lights and marks and this and that?' So it was a huge switch for me."

Kitsch was on the brink of movie stardom after 'Friday Night Lights,' but it all fell apart

It was the first of many obstacles in Kitsch's ill-fated pursuit of a career as a blockbuster leading man.

Much has been made of the infamous critical and commercial flop that was "John Carter," the 2012 Disney movie about an American Civil War veteran transported to Mars. But at the time, the decision to star in a movie based on a seminal sci-fi book series with major franchise potential seemed like a no-brainer.

Kitsch still stands by his choice: "When Andrew Stanton, who just won a couple Oscars, knocks at your door and he blows your mind in prep…"

He noted that at the time, the title character was a coveted role. "No one knows the people I beat out, but I can't believe at the time I beat them out."

"John Carter," along with "Battleship," a 2012 military sci-fi action flick based on the board game and directed by Berg, became the proving ground for Kitsch's post-"FNL" career. Expectations for both were high: Kitsch's contracts reportedly would have locked him into franchises for both if they performed well at the box office. Magazine profiles of Kitsch at the time anointed him the next big action hero, predicting he was poised to take over Hollywood's new A-list alongside the likes of Ryan Reynolds and Chris Pine.

He was on the brink of something major — or at least, that's what he was told.

'John Carter' was a flop, freeing Kitsch up for more interesting work

Ultimately, it didn't pan out that way. Both movies underperformed at the box office and garnered largely negative reviews. It changed the course of Kitsch's career, though it may have been kismet.

In reality, becoming the next blockbuster action star was never actually what Kitsch wanted for himself; he simply thought it would open doors.

"It's the cliché: one for them, one for you," he recalled. "You're told, 'You do this, you'll be able to do anything you want.'"

In an alternate universe where "John Carter" was a box-office smash that led to that slew of sequels, Kitsch may not have had the time to explore the character-driven stories he finds the most fulfilling, like "True Detective" season two, or the biggest challenge of his career: playing cult leader David Koresh in the 2018 limited series "Waco." Kitsch credits the latter with helping him define the kind of actor he wants to be.

"'Waco' scared the shit out of me," said Kitsch. "I had no idea how I was going to do that." He spent six months intensively preparing to inhabit the role, losing 30 pounds, learning to play guitar, and watching every clip and sermon of Koresh's he could find.

He brought a similar ethos to "American Primeval," losing 20 pounds, learning some Shoshone, and working with a medicine man to prepare to play Isaac. Doing the most is a nonnegotiable for Kitsch, who previously told The New York Times that this kind of prep is "the only thing that eliminates self-doubt."

While he had to start from scratch to build out both the charismatic cult leader and the rugged frontiersman, Kitsch already had a personal connection to Glen Kryger, the opioid-addicted car mechanic he played in "Painkiller."

"That one was so fucking important to me," Kitsch said. The subject matter hit close to home; his sister has struggled with opioid addiction.

"She's eight years clean now," he said. "She was my advisor on the show, so it doesn't get more full circle than that, to have her with me, and me ironically playing the addict and her telling me how."

Despite the rabid fandom Kitsch inspired on "Friday Night Lights," he said more people have reached out to say they were touched by his performance in "Painkiller" than about any other job he's done.

"To humanize and hopefully bring up a conversation of that and to normalize it, not put shame towards that, meant the world to me," Kitsch said.

Kitsch wants to keep telling stories he cares about

Up next for Kitsch is a return to one of his most popular roles (no, not that one). He'll be reprising his role as former Navy SEAL Ben Edwards on Amazon's "The Terminal List" prequel "Dark Wolf" opposite Chris Pratt, who plays the lead character in the flagship series.

He also wants to prioritize getting his own project off the ground: telling his sister's story.

"Her story is just, it's insane and very empowering and inspiring," Kitsch said. "I'd love to direct that and keep it at a crazy low budget so I have creative control."

Not on the agenda? Stressing over things like viewership numbers or ticket sales.

"Here's a good story," Kitsch recalled. "I was living in Austin doing 'Friday Night Lights,' and it had just been the opening weekend of 'X-Men Origins: Wolverine.' And it was Monday and I was going to a different movie, and all of a sudden, all these texts came in like, 'Oh, congratulations. Oh my God, the box office. BO is at $70-something million!' and all this," he said.

"I was with my girlfriend at the time and I was like, 'I have no idea what this means,'" he continued. "All these congrats were coming in. And I'm like, 'What are we celebrating?'"

Years later, Kitsch has held onto that desire to ignore outside expectations. He's keeping that in mind when it comes to how his new projects, like "American Primeval," are received.

Still, he's hopeful the show will lead to more opportunities to immerse himself so fully in a character that he disappears — the work he loves best.

"We'll see what happens," he said. "I'll just keep swinging regardless."

• My twins are both in college, and they just so happened to go to the same school.
• Their dorm rooms show just how different their personalities really are.
• My daughter's dorm is decorated with her favorite things, while my son took a minimalist approach.

My twins both attend Fordham University in New York, but that's where their similarities stop.

Over the summer before their freshman year, my daughter asked me several times, "When can we go shopping for my college dorm room?"

Once we picked a day, we asked her twin brother if he wanted to join, and his answer was, "Nope."

Meanwhile, their younger sister was excited not only to join us but also offered to help pick out items like a comforter for her brother.

Although they're twins, this difference reflects their differing personalities. My daughter is a planner and an artist who loves colors and design. She likes to know what to expect. She also had a clear vision of how she wanted her dorm room to look. Her plans weren't extravagant; she didn't hire interior designers like some students.

My son, on the other hand, is laid back and more of a "go with the flow" type. So it wasn't surprising that he was only interested in purchasing the essentials — with no preference for colors or materials. We bought him a plain gray comforter and basic items like sheets and towels.

The process of decorating the dorms showed their personalities

When we arrived at their college, it took about twice as long to move my daughter in compared to her twin brother. He's a minimalist, so he didn't have a lot of clothes or extra furniture like his sister did. She brought a rug, chair, rolling cart with shelves, and all her art supplies.

Once they were moved in, the process of decorating began. As you can imagine, it didn't take my son too long to make his bed and unpack his clothes. Whereas his sister spent several hours lining up her posters and artwork, organizing drawers, and arranging string lights.

She brought a plant because she loves the outdoors. Over the summer, she worked at a garden center, and she frequently went on hikes or outdoor runs.

The following year showed some changes but also stayed the same

For their sophomore year, they used most of the same décor from their freshman year — with a few additions.

My daughter's plant didn't survive her freshman year, so she decided to purchase a new one from the New York Botanical Garden. As a Fordham student, she receives free admission to the gardens and goes on weekly runs along the trails. By buying a plant there, she hoped to bring her love for the outdoors into her dorm. She also bought a plant poster from the gift shop that identifies different plant varieties and added some of her own newly created artwork to the walls.

My son still has his basic gray comforter, but he added a rug and some posters. He loves music, so most of the posters reflect his musical tastes. He doesn't watch much television, but over the summer, he watched "Breaking Bad" with his friends, so he decided to get a poster from the show. Since his dorm is dimly lit in the basement, he added some LED strip lights that change colors. His personality is slowly coming through in his dorm room.

Still, their shared college has brought them together

Despite their different personalities and interests, attending the same college has brought them closer.

My daughter even helped her brother pick out the rug for his dorm this year. They've also decided to meet for dinner once a week to explore the city's restaurants.

Who knows — maybe while they dine, they will swap décor tips and start a quirky twin design business.