• Cruise lines are spending millions on private islands and ports exclusive to their guests.
• These private Caribbean properties are money trees for companies like Carnival and Royal Caribbean.
• In-house destinations are becoming increasingly necessary amid rising fuel costs and port restrictions.

About 140 miles east of Miami, Royal Caribbean's private Bahamas island, Perfect Day at CocoCay, receives thousands of eager families virtually every day of the year.

The cruise line and its competitors don't just own ships — they also have land-based portfolios. Across the Caribbean and in countries like Honduras and Belize, almost every major cruise company has snatched up and developed beachfront properties exclusively for their guests.

To travelers, these secluded ports of call are convenient, safe, and cherished: "The vast majority of people love the islands," Patrick Scholes, a lodging and leisure research analyst at Truist Securities, told Business Insider in March.

To cruise lines, they're cash cows. And now, maybe more than ever before, a necessity as operators seek out profits amid rising operating costs and ever-restrictive ports.

The industry is cruising into a private island renaissance

Cruise lines like Princess, Holland America, and MSC collectively own 17 ports and private destinations in the Caribbean (including properties still under development).

Michael Bayley, president and CEO of Royal Caribbean International, told analysts in 2023 that the CocoCay had seen robust demand, including from repeat travelers. As such, the financial returns on the $350 million investment have been "exceptionally high and significantly above its target," Naftali Holtz, CFO of Royal Caribbean Group, said a few months prior.

Given travelers' appetite, the cruise giant has continued to grow its splashy Bahamas getaway.

The most recent extension opened in January, adding the adult-only Hideaway Beach to CocoCay's 14-slide waterpark, upscale beach club, massive pool, and umbrella-lined beaches. Perfect Day Mexico is set to open in 2027.

Carnival is also growing its real estate portfolio — next with Celebration Key, a $600 million resort on Grand Bahama Island scheduled to open in 2025, and expansions to its private Half Moon Cay a year later.

Private ports have become a cruise line goldmine for three major reasons.

1. Fuel is expensive

Fuel is a major expense for the cruise industry. Fortunately, most Caribbean private destinations are only a night's sailing from Florida's major ports.

Amid rising fuel costs, it's easy to see why cruise lines are increasingly focusing their itineraries on these nearby stops.

In September 2023, Josh Weinstein — president, CEO, and chief climate officer of Carnival Corp — called the forthcoming Celebration Key a "win-win-win for the environment, our guests, and the people of the Bahamas," citing the property's proximity to its Florida homeports and the subsequent reduced fuel expenditure.

It could certainly be a "win" for travelers: In the same call, he told analysts that a guest-fronted fuel surcharge is "certainly not off the table."

2. Private destinations keep profits in-house

These private ports offer plenty of opportunities for guests to spend big. And with no need for third-party excursion operators, cruise lines can keep more profits in-house.

Before its debut, pre-cruise bookings for CocoCay's new Hideaway Beach surpassed the company's expectations, Jason Liberty, president and CEO of Royal Caribbean Group, told analysts in October 2023.

Admission can cost up to $89 per person during peak season. Nearby, entry to the more exclusive beach club could be shy of triple that cost.

Even the otherwise complimentary parts of the island have splurge-enticing options like rentable cabanas and snorkeling gear.

Travelers content with a basic beach chair and the lunch buffet don't have to ball out on these up-charged luxuries. But they sure are hard to resist, especially as cruisers have become eager to spend more on their vacations.

For families, skipping CocoCay's waterpark could be as sacrilegious as skipping Disney World during an Orlando vacation, Scholes said. A day pass to Thrill Waterpark can exceed $100 per person — that's more than $400 down the drain for a family of four in one afternoon.

3. Some popular ports are saying 'no' to giant cruise ships

The world's largest cruise ship, Royal Caribbean's Icon of the Seas, can carry 7,600 guests and 2,350 crew.

This sudden influx of travelers could overwhelm smaller destinations and their locals, like the more than 25,000 residents of Santorini, Greece, and 25,600 of Key West, Florida.

With concerns like pollution and over-tourism, it's no surprise the popular Greek island limits daily cruise visitors, while its Florida counterpart has faced a fraught battle to restrict cruise tourism.

They're not alone. Cities across the US and Europe have increasingly limited travelers coming by sea — either through size restrictions, daily visitor limits, or complete bans. This includes desirable ports like Juneau, Alaska, French Polynesia, and Venice, Italy.

Ironically, at the same time, mass-market cruise lines have continued to grow the size of their vessels — so much so that several of these new mega-ships are now simply too big to fit into some ports.

So, if you can't beat the ports, why not join them? Especially if you can outfit your private properties with dozens of profit-growing amenities.

On the morning of March 16, 2015, the night-shift nurses of Martin Correctional Institution clustered in the medical exam room to brief Robert Silvis, the prison's nursing director. Silvis had just started his shift at the facility in Indiantown, Florida, and the nurses looked stunned. They explained, as well as they could, what had occurred the night before.

A man was dead.

Silvis called a prison captain and pulled the surveillance tape.

The video showed someone Silvis recognized as Carolyn Conrad, a licensed practical nurse, entering the D block dormitory at 7:24 p.m. to begin the nightly ritual of distributing medication to the men. When a corrections officer arrived outside cell D2210, he discovered Christopher Cox sprawled on his stomach on the concrete floor. Cox was unresponsive, his arms slack against his sides, his face bloodied and pressed against a pillow, a white T-shirt twisted into a noose around his neck.

Corrections officers handcuffed Cox's cellmate, Hurley Brown, then cuffed Cox's arms and legs before turning his limp body to the side and removing the noose. At 7:28 p.m., Conrad entered the cell. She left seven minutes later. Records show that Conrad, who had been working at the prison for only a month, did not call 911 or start CPR.

Silvis was taken aback. He knew someone with a practical-nurse license, which requires a high-school diploma and a year of vocational school, is not credentialed to diagnose or decide a course of treatment. Anyone with that license certainly lacks the training or authority to declare a person dead. When she saw that Cox was unresponsive, Conrad was required to alert emergency services and start CPR until a more senior medical professional could relieve her. Instead, witnesses later told a state investigator, she left Cox while his skin was still warm.

Silvis called Conrad to demand an explanation. He recalls her telling him she hadn't started CPR on Cox because she believed he was already dead.

As with many men and women incarcerated in the United States, Cox's life was left in the hands of overstretched and minimally qualified medical providers operating in institutions that rarely face accountability for shoddy care. At Martin that night, there was no doctor on duty, only one registered nurse and a group of four LPNs, including Conrad, to care for up to 1,500 men.

Outside the prison walls, someone witnessing a murder can call for an ambulance. But incarcerated people cannot visit a medical clinic on their own, or choose their own doctor. They cannot seek a second opinion, make an appointment with a specialist, pursue additional testing, or control the type or quality of care they receive. They cannot dial 911.

Injury and illness are commonplace in prisons. In a 2009 study of nearly 7,000 men incarcerated in 12 state prisons, 19% reported being physically assaulted by a fellow prisoner over a six-month period; 21% reported being assaulted by prison staff. Meanwhile, waves of men and women, locked up during the height of the war on drugs and mandatory minimum sentences, are now growing old behind bars, often with chronic health conditions such as HIV. Over a third of those incarcerated in US prisons have been given diagnoses of mental illness — a higher rate than on the outside.

Prison healthcare budgets have struggled to keep pace with these growing needs, and much prisoner healthcare has been outsourced to for-profit providers. With fixed per-patient revenue, these privately owned companies have an incentive to avoid expensive procedures and otherwise cut costs. Prisons and private contractors alike have depended on less-trained health providers, such as licensed practical nurses, to keep staffing costs low. A legal settlement in California established that one leading private prison health provider, Corizon, had saved 35% for every low-level nurse who did the work of an RN. Prisons may have a single doctor on staff, and recruitment and retention have become such an acute problem that medical contractors have often retained doctors who have racked up a long history of complaints.

As these problems mounted in the 1980s and 1990s, Congress and the Supreme Court limited prisoners' ability to get relief. To win a lawsuit over constitutionally inadequate medical care, a prisoner must now survive the many restrictions imposed by the Prison Litigation Reform Act, which in 1996 mandated preliminary screenings and other measures meant to weed out frivolous prisoner lawsuits. A prisoner also has to overcome a Supreme Court standard known as "deliberate indifference." As defined in the 1994 case Farmer v. Brennan, the standard says that "cruel and unusual punishments" hinges on the defendant's mindset. Under this standard, the potentially lethal effects of Conrad's decision not to treat Cox would not be enough. A successful Eighth Amendment suit would have to show that Conrad was aware of the risk of harm her inaction presented.

While prisoners can file malpractice claims in state court, there they typically face caps on damages and are unable to recoup attorney fees. And any prisoners seeking injunctive relief — such as a transfer to a hospital — must file a federal constitutional claim. So the barriers to relief in the federal courts introduced by Congress and the Supreme Court have proved nearly insurmountable, preventing claims of even the most egregious forms of medical neglect from prevailing in court.

Business Insider analyzed a sample of nearly 1,500 federal cases alleging cruel and unusual punishment in violation of the Eighth Amendment, including every appeals court case with an opinion we could locate filed from 2018 to 2022 and citing the relevant precedent-setting Supreme Court cases and standards. Nearly two-thirds of those cases involved allegations of constitutionally inadequate medical care. Among them were claims of grievous harm: untreated infections so severe they resulted in amputations; deaths from treatable conditions like gallstones or appendicitis; and agonizing months and years spent waiting for diagnosis and treatment as cancerous tumors swelled, metastasized, and grew lethal.

Hundreds of prisoners complained of inadequate treatment for potentially fatal illnesses such as hepatitis C and HIV or said their mental-health crises were met with violence or solitary confinement rather than care. Dozens said they experienced excruciating pain — stemming from conditions such as collapsed vertebrae or severe infections — that went untreated for months or years. Still more said they were denied basic medical accommodations such as dentures and walkers.

Together, the claims describe a US prison medical culture defined by a gross disregard for human life.

For generations, federal courts have understood the constitutional protection against cruel and unusual punishment to guarantee prisoners the right to adequate healthcare. Occasionally, over the past 30 years, the ACLU or other powerful litigators have managed to win Eighth Amendment cases in which courts have mandated oversight measures and reforms in a prison's, or a prison system's, medical care. But such sweeping accountability measures are rare.

In BI's sample, nearly nine out of 10 cases alleging substandard care were unsuccessful. Most of the remainder settled; many for a few hundred dollars, and all without an admission of wrongdoing, whether by the prison, the department of corrections, or the private medical contractor.

Plaintiffs in only five of these cases won their Eighth Amendment claims.

"Medical treatment only violates the Eighth Amendment when it is 'so grossly incompetent, inadequate, or excessive as to shock the conscience or to be intolerable to fundamental fairness,'" the judges of the 11th Circuit Court wrote in 2022, citing case precedent in denying a claim of inadequate care by a prisoner named Maximo Gomez, who was at risk of suicide.

Such readings of the Constitution have largely insulated prison healthcare providers from legal accountability.

In 2017, Gomez told officers at Hamilton Correctional Institution in Florida that he was experiencing intense distress, extreme depression, and suicidal ideation, according to his civil complaint. A licensed practical nurse employed with Centurion Health, then contracted to provide care in some Florida prisons, spent six minutes conducting what appeared to be a cursory mental-health assessment and determined that he did not need to be placed in an observation cell. Corrections officers, Gomez said, joked that they'd treat him with "hot sauce," slang for pepper spray.

A surveillance camera recorded Gomez flinging himself to the ground, screaming that he needed help and might kill himself. It showed corrections officers wrestling him into arm and leg restraints; his complaint said they then locked him in a shower cell, punched and kicked him in the face, and blasted him with pepper spray as he begged for psychiatric care.

In court filings, the officers said they used force on Gomez "to force compliance" after he refused to submit to restraints but denied punching or kicking him, and the Centurion nurse said she gave Gomez a mental-health assessment according to correctional staff instructions.

Gomez's lawsuit was dismissed. "The Eighth Amendment," the judges wrote, quoting precedent, "does not require medical care to be perfect, the best obtainable, or even very good."

The Florida Department of Corrections declined to comment on individual cases but said each prisoner is "continuously monitored and evaluated for medical, dental, and mental health needs throughout incarceration" in accordance with Florida law.

A 'difference of medical opinion'

The night Cox died, he was three years into a 25-year sentence for murder. At about 7 p.m., a prisoner named Derek Cedri heard the sounds of a struggle in the cell next to his and then a cry for help, he later told a Florida Department of Corrections investigator. On the other side of the cell block, a second prisoner peered through his narrow cell window and caught a glimpse of Brown with his arm wrapped tightly around Cox's throat.

Cedri did the only thing he could: He shouted to a nearby corrections officer that a man was being killed. The officer did not respond; he later told investigators he didn't hear Cedri cry out. Meanwhile, Brown continued to attack Cox; medical records would later show he bludgeoned Cox's face and stomped on his head and neck.

"Man down!" other prisoners yelled. Soon men across the unit were battering their steel cell doors into a steady thunder. Nearly 30 minutes passed before prison medical staff and corrections officers appeared. Four minutes after that, Conrad, the licensed practical nurse, arrived and left without performing CPR.

Conrad did not respond to inquiries by phone, email, or mail.

Her decision not to provide care may not have been an anomaly. In dozens of cases in BI's sample, incarcerated people said they were denied emergency medical treatment by corrections officers or medical staff despite obvious medical distress.

While incarcerated at Camille Griffin Graham Correctional Institution in South Carolina in April 2019, Julie Mason later told a court, she woke nauseated and in severe abdominal pain.

Because she was incarcerated, Mason had only one way to seek medical care: placing a sick call. These written requests don't always prompt immediate attention; in some cases, court records show, they go unanswered for weeks. Even when a diagnostic test for cancer is delayed or an appointment to address excruciating pain is repeatedly rescheduled, prisoners have no internal recourse except to submit another sick call — or submit a complaint to prison administrators. Prisoners' requests for care, court records show, are sometimes met with suspicion if not outright contempt: the prisoner with acute appendicitis denied emergency care by a nurse who thought he was just seeking pain meds; the suicidal prisoner who said he begged for psychiatric care and was told by a guard to "go for it."

In her civil complaint, Mason said she had sent repeated sick calls requesting emergency medical treatment over two days, all unanswered. When Mason continued to complain of severe pain, she said, a corrections officer offered her Tylenol but failed to report her condition to medical staff. The next day, another officer discovered Mason in her cell, collapsed in her own vomit. Mason was sent to medical twice, where nurses checked her vitals; one sent her back to her cell with anti-nausea medication. Hours later, she suffered a grand mal seizure. Only then did a nurse seek sign-off from a prison doctor to send her to a local emergency room, where she was given a diagnosis of necrotizing pancreatitis, a condition that puts a patient at risk for a fatal septic infection. Mason spent nine days in the hospital.

The US District Court for the District of South Carolina agreed with defense arguments that the nurse had sent her for emergency care, and that the corrections officer had "checked on her" and provided "something for her pain at least one time." Under the deliberate-indifference standard, the judges decided, those actions were enough to show that Mason had received adequate care. She lost the case.

The South Carolina Department of Corrections did not respond to requests for comment.

"Where a prisoner has received some medical attention and the dispute is over the adequacy of the treatment, federal courts are generally reluctant to second guess medical judgments," Judge Anthony Celebrezze of the 6th Circuit wrote in a 1976 court opinion. Over successive decades, such judicial caution has become pervasive. In hundreds of cases BI analyzed, if healthcare professionals offered any medical attention at all, judges deferred to their judgment.

Many chalked up the gap between the medical care a prisoner said they required and what was provided to a "difference of medical opinion."

The judges of the South Carolina District Court, and all but one of the other judges mentioned in this story, declined to comment or did not respond to queries.

For months in the summer of 2016, James Kirk complained to the healthcare staff at Jackson Correctional Institution in Wisconsin of classic symptoms of heart failure — acute chest pain and labored breathing. Kirk had a history of heart attacks and had been told he had coronary artery disease and congestive heart failure. But according to his complaint and internal grievance files, the prison medical staff denied Kirk's request to be seen at a hospital. Instead, they issued him an inhaler, attributing his chest pain to his age, history of smoking, or inclement weather. A month later, Kirk collapsed and was transferred to a local hospital. There, doctors discovered a total obstruction of one of his coronary arteries.

Kirk received treatment and survived. When he sued the medical staff involved in his care, the defense argued that Kirk "appeared stable and they were trying different treatments and medications to address his symptoms." The judges of the 7th Circuit found that under the deliberate-indifference standard, the "disagreement" between the hospital doctors and the prison's health providers over Kirk's medical needs was insufficient for an Eighth Amendment claim. He lost the case.

Beth Hardtke, a spokesperson for the Wisconsin Department of Corrections, declined to comment on the Kirk case but said the department "strives to provide the same quality of healthcare as is available in our communities."

In at least a dozen cases BI examined, outside medical authorities, such as hospital doctors, testified that the medical treatment prisoners received was substandard. Yet such testimony rarely persuaded judges that claims had met the deliberate-indifference bar.

One particular case stood out. In late 2010, Dr. Jerry Walden, a physician who'd once served as chief medical officer at a federal prison, was asked by the family of a Michigan prisoner, who had advanced hepatitis C and end-stage liver failure, to advocate on his behalf. After reviewing the medical records, Walden wrote to the Michigan Department of Corrections that the prisoner, Kenneth Rhinehart, who had been serving time for murder since 1973, needed specialized acute care and that if prison administrators were unable to provide it, they "should seriously consider pursuing a medical commutation for this very ill man."

Rhinehart was never offered medical release, and medical staffers at the G. Robert Cotton Correctional Facility continued to delay his treatment. His medical appointments were rescheduled and canceled. His repeated petitions for care were dismissed or ignored. In March 2011, Rhinehart sued, asking the court to compel doctors with Prison Health Services — the private company that then provided medical care to Michigan prisons and later merged with Corizon — to offer care that would prolong his life.

Months later, in June, Rhinehart was rushed to the emergency room after he complained of severe abdominal pain. Arteries in his esophagus had burst — a complication of advanced liver failure, hospital doctors later said. Rhinehart underwent emergency surgery to repair the tears in his throat.

An MRI scan during his hospitalization showed that a mass on his liver had grown to 11 centimeters. Walden wrote again to prison administrators. The mass might be cancerous, Walden wrote, and prison doctors had left it untreated for over a year. Rhinehart needed to be seen by an oncologist immediately.

The prison's medical contractors never scheduled the appointment.

Not long after, the arteries burst again. He woke in his cell doubled over in pain. Blood poured from his mouth and nose, nearly filling a small trash can in his cell. He had a second emergency surgery. To decrease his chances of another bleed, Dr. Lynn Schachinger, who performed this surgery, recommended Rhinehart be transferred to an acute-care facility for the installation of a stent. Rhinehart's condition was serious, Schachinger wrote to Rhinehart's prison doctors, and without further treatment he might "bleed to death."

Corizon doctors refused to authorize the stent procedure, and Rhinehart was sent back to prison instead. When a colleague of Schachinger's insisted on documenting the prison's decision to withhold care, Jeffrey Stieve, then the prison's chief medical officer, balked. "I believe he was threatening me and the department with his refusal to accept our primary management of the patient," Stieve wrote in Rhinehart's medical file.

Stieve and the Michigan Department of Corrections did not respond to requests for comment. A spokesperson for YesCare (formerly Corizon) declined to comment on individual cases but said the correctional healthcare industry "is filled with mission driven professionals who are committed to serving incarcerated individuals, many of whom have never received healthcare in their life, within a challenging prison environment."

By February 2013, Rhinehart's disease was consuming him. He died after a Corizon provider gave him a high dose of morphine. An autopsy commissioned by Rhinehart's family listed the cause of death as an overdose.

Rhinehart's brothers continued his federal case, accusing Corizon, the company's health providers, and other defendants of inflicting pain, depriving their brother of potentially life-prolonging treatment, and then giving him a lethal morphine dose. In court filings and depositions, Walden, Schachinger, and three other outside doctors all testified to the profound inadequacy of Rhinehart's care, saying his treatment "constituted cruel and unusual punishment."

Corizon doctors argued in court filings that Rhinehart's prognosis was poor and his suffering would have been acute with or without the treatment delays. They argued that the stent procedure would not have prolonged his life and their treatment plan of beta blockers, pain medication, and 24-hour surveillance was sufficient.

Judges of the District Court for the Eastern District of Michigan and the 6th Circuit appeals court nevertheless found that the Corizon doctors had provided constitutionally adequate care. Their decision not to install a stent boiled down to a "mere difference of doctors' opinions," so they had not been indifferent to his suffering.

Hesitation by the courts

The Supreme Court's deliberate-indifference standard hinges on something that, the data shows, is nearly impossible to prove: mindset. Judges are asked not only to assess the cruelty of what a prisoner experienced but to decide whether that harm was the result of someone's reckless disregard. In doing so, judges have accepted the slightest bit of care as evidence that prison healthcare providers were doing an adequate job.

Mark Mann's experience in the Florida prison system echoed Kenneth Rhinehart's. Mann first complained of stomach cramping and blood in his stool in May 2014. Prison doctors ordered an abdominal X-ray and stool screenings, which returned normal results. As Mann's abdominal pain continued over the next two years, according to medical records, prison medical staff ordered X-rays and lab work but did not conduct a thorough oncological screening. The prison doctor gave diagnoses first of hemorrhoids, then of acid reflux. He prescribed Imodium and Maalox. It wasn't until June 2016, after Mann repeatedly complained of "extreme pain," that the prison's doctor ordered a CT scan.

Mann had Stage 4 colon cancer.

In 2019, Mann sued Corizon and Centurion Health, the private companies then contracted to provide care in Florida prisons, and his prison doctors. He called an expert witness, a colon and rectal surgeon, who described Mann's doctor as "grossly negligent" for failing to order further tests over a period of two years as Mann's cancer progressed.

A spokesperson for Centurion declined to comment on Mann's case but told BI that "Centurion seeks to improve the lives of all those entrusted to our care."

Corizon called an expert witness, too, a family and internal medicine doctor, who said Mann was appropriately treated and a colonoscopy was not warranted given that Mann was young — he was in his 30s at the time — and had no risk factors for colon cancer. Centurion said its medical providers gave Mann continuous care, diagnosed his disease, and "were not indifferent to Mann's cancer" but rather "helped cure it." (Mann has since died.)

Eleventh Circuit judges found that this scope of care, including the X-rays and lab work, was enough. The treatment Mann received may have violated the "applicable standard of care," the judges said, but Mann's symptoms had been addressed with both testing and medication. "When a prison inmate has received medical care," the judges said, citing an earlier decision, "courts hesitate to find an Eighth Amendment violation."

Beverly Martin, a former federal appeals court judge, reviewed Cox's case in 2019, the same year Mann filed suit. "The law was exceedingly tough on prisoners back in 2019," she told BI. "And I think it has gotten tougher since then."

The judicial hesitation to second-guess medical providers was visible in another case the following year, when a group of prisoners at Federal Correctional Institution Elkton, a low-security prison in eastern Ohio, sued the federal prison system at the start of the pandemic. They asked the court to order the release of medically vulnerable prisoners and mandate additional COVID-19 safety precautions. By the time they filed suit in April 2020, three men at the facility were already dead. Hundreds of other prisoners were believed to be infected. The prisoners won a preliminary injunction requiring the prison to evaluate medically vulnerable prisoners for temporary release. But the Bureau of Prisons got the injunction reversed on appeal.

The 6th Circuit Court agreed with defense arguments that since the prison had implemented an "action plan" of sorts — including issuing each prisoner two paper masks and a 4-ounce bottle of soap each week — the bureau had not been indifferent to the spread of the deadly virus among the 2,300 men trapped in Elkton's crowded housing units. The case eventually settled, with the bureau agreeing in May 2021 to track COVID-19 infections at the facility.

Ben O'Cone, a spokesperson for the bureau, declined to comment on specific cases but said the bureau is committed to upholding prisoners' constitutional rights and makes "every effort to provide essential medical, dental, and mental health (psychiatric) services."

BI identified nearly 200 cases in the sample in which courts found that prisoners had suffered serious harm — including heart failure and untreated cancer — but struck down their cases on mindset alone. In more than 250 other cases, federal judges never made a finding on the objective severity of the harm, deciding solely on the basis of mindset that no constitutional violation had occurred.

In 2023, most malpractice suits in the United States settled, and the average medical malpractice payout was about $400,000, according to a federal database. A 2019 study of insurance claims calculated that the average payout for grievous malpractice — such as a cancer misdiagnosis — was above $700,000.

In the handful of settlements in BI's sample in which the damages were disclosed, the settlements were far smaller. Leaving aside two cases in which prisoners died, no settlement over inadequate care was larger than $45,000, and many were for far less.

One of these cases was filed by a woman incarcerated at Coffee Creek Correctional Facility in Oregon. Her 2017 civil filing said that after a fellow prisoner sexually assaulted and beat her in the shower, corrections officers responded to her screams for help by pepper spraying her and putting her in solitary confinement. The pepper spray, she said, left her with excruciating blisters on her underarms, under her breasts, along her cesarean-section scar, and on her genitals. For over a week, while locked in solitary, she begged for medical treatment without response.

In 2023, she reached a settlement for $251 in damages.

The Coffee Creek defendants denied in court filings that they'd withheld medical care, saying the prisoner was "seen numerous times by medical following the incident." In settling, they admitted no wrongdoing; the Oregon Department of Corrections did not respond to requests for comment.

Medical attention without medical treatment

The most frequent repeat defendants in BI's sample were not individual doctors and nurses, but for-profit companies such as Wexford, Centurion, CoreCivic, and the private-equity-backed Wellpath and Corizon (now YesCare) that receive multimillion- or billion-dollar contracts to provide medical care in state prisons.

As defendants in prisoner suits, the companies have an advantage over individuals: To win an Eighth Amendment claim against a contractor, a prisoner must prove their suffering was due to a company policy or custom. In BI's sample, private medical contractors almost never lost.

In a strongly worded 2022 decision in a class action suit in Arizona, a district judge found that the state, in partnership with Wexford, Corizon, and Centurion, had provided "plainly grossly inadequate" healthcare. She mandated the creation of new policies to force both "quantitative and qualitative" improvements in care and appointed a court monitor.

Such court outcomes are extremely rare.

Of the 210 cases in BI's sample that named private medical contractors or their employees, the defendants prevailed 84% of the time. Almost all of the remaining cases settled.

A 2020 New York University Law Review article argued that the PLRA and the Supreme Court's deliberate-indifference standard had effectively shielded private medical contractors from large liability damages, court monitoring, or other significant forms of federal judicial oversight — and that this had shifted companies' cost-benefit analysis. "The absence of any true threat of legal action exacerbates this environment of unaccountability," Micaela Gelman, then an executive editor of the law review, wrote, and "leads to dangerous, ineffective healthcare that is shielded from constitutional challenge."

Gelman further argued that the low chance of facing penalties, combined with pressure from state agencies to cut costs and pressure from investors to maximize profits, had incentivized private companies to cut corners.

A spokesperson for Centurion, a defendant in 16 cases in BI's sample, said it was "spot on" that funding levels for prison healthcare lagged behind marketplace costs but added: "Any assertions that denying care or using staff with insufficient licensure or credentials to increase profit are patently false. Not providing the very services a company is hired to provide is not a sound, long-term business model for any company in any industry, particularly healthcare."

Ryan Gustin, a spokesperson for CoreCivic, a defendant in seven cases in the sample, said, "We take seriously our role and responsibility to provide high-quality comprehensive medical, dental, and mental-health care to every individual," noting that medical personnel were onsite 24/7 and worked closely with outside hospitals and specialists.

In a 2009 review of cases filed on behalf of Massachusetts prisoners alleging inadequate medical care, Joel H. Thompson, the managing attorney at the Harvard Prison Legal Assistance Project, found evidence that in fact private contractors had exploited the deliberate-indifference standard to avoid accountability. He found that private contractors delayed medical testing when it might have led to diagnoses that would obligate them to pay for more advanced care; that they avoided referring patients to expensive specialists or outside facilities; and that they conducted routine examinations documenting patient complaints but rarely prescribed further medical intervention.

They provided medical attention without providing medical treatment, he concluded. And the courts signed off.

Prisoner court filings describe all of these patterns at Wexford, one of the nation's largest prison health providers. The privately held company was a defendant in 94 suits across eight states in BI's sample — nearly half of the cases with private-sector defendants.

Several of the suits, according to one federal judge, accuse Wexford of running a business designed "to skimp on medical care in order to enrich themselves" by means of chronic understaffing, routine delays in critical cancer screenings and necessary surgeries, and declining to provide even basic medical treatment. As with the other private companies, Wexford typically prevailed. The company settled one in five cases in BI's sample, mostly for undisclosed amounts and all with no admission of wrongdoing, and lost two cases outright. In one case, Wexford paid $155,000 in damages to the widow of an Illinois prisoner, William Kent Dean, who died of kidney cancer after Wexford doctors delayed lifesaving care.

Wexford did not respond to requests for comment.

A 2018 decision by the 7th Circuit appeals court in a case filed by Kelvin Norwood, then incarcerated at another Illinois prison, Stateville Correctional Center, was typical. Norwood's knee was badly injured, and he had sued Wexford, several Wexford employees, and other defendants for providing him with inadequate medical care for a tear in his meniscus, severely damaged cartilage, and a partially ruptured Baker's cyst. His claim had failed against all of the defendants at the district court.

In his appeal, Norwood argued that two Wexford healthcare providers, Dr. Parthasarathi Ghosh and a physician assistant, had prescribed insufficient pain medication and delayed or withheld critical treatment, including medically necessary surgeries and assistive devices such as a brace and a cane. They had done so for eight years, Norwood said, years marked by intense pain.

"Norwood has been the victim of serious institutional neglect," the judges found. "These delays look like features of the Wexford system of healthcare, rather than anything Dr. Ghosh controlled." Still, they decided in the defendants' favor, finding that Ghosh and the PA had not been indifferent because they had provided ongoing care.

Neither Ghosh nor his attorneys responded to requests for comment.

Ghosh was a defendant in multiple cases in BI's sample, though he always prevailed. And he was not alone. Dozens of prison healthcare workers were repeat defendants. The two doctors with the most complaints were, like Ghosh, employed by Wexford.

One, a doctor named Saleh Obaisi, was sued by Illinois prisoners nine times over five years over claims that he'd provided inadequate medical care, delayed essential surgeries, or failed to treat crippling pain. In each case Obaisi denied he'd been indifferent to his patient's medical needs, and he prevailed in all but three.

Vipin Shah, another Illinois doctor employed by Wexford, appeared as a defendant in eight cases. Shah was accused of providing inadequate care for severe infections and, like Obaisi, delaying necessary surgeries. Shah also denied each time that he'd been indifferent; he prevailed every time.

Despite these red flags, Obaisi remained employed with Wexford until his death in 2017, and Shah, according to court filings, remained on Wexford's payroll until July 2021, a year after the last of the eight complaints against him was filed.

Shah, Obaisi's estate, and their attorneys did not respond to requests for comment.

Wexford was the company in charge of Cox's care at Martin Correctional Institution that spring of 2015.

Wexford misses 'red flag' symptoms

The morning after Cox died, Silvis, the nursing director, began to ready charges against Conrad with the Florida nursing board. He thought her failure to provide CPR constituted a violation of her medical license.

That day, March 16, 2015, he called Wexford, his employer, to report what had happened and inform them of his decision. Silvis' manager told him not to report Conrad, who was at the time employed by a Wexford subcontractor. Instead, Silvis recalled, the manager asked him to quietly bar Conrad from ever returning to work at Martin.

Wexford wanted it buried, Silvis thought. How could you protect a nurse who went against practice and cost someone their life?

Less than three months later, Wexford did fire someone — and it was Silvis.

On June 10, he wrote to a Florida state investigator to report the Cox incident and charge that "upper mgt at Wexford is not concerned with inmate care or safety." The state investigator closed Silvis' complaint against Wexford, saying the allegations had previously been addressed in two related cases. Conrad was barred from working at any Florida state prison, according to the investigative report, and she was later fired from her job at the nursing temp agency. In a deposition, Conrad said she retired.

In addition to Silvis, BI spoke with three other former Wexford healthcare providers. All four described the company's cost cutting as extremely dangerous. They said the company drove revenue by chronically understaffing facilities and retaliating against staff who reported lapses in care.

One of those providers was a 16-year prison nursing veteran named Tracie Egan, who found a job as a health-services administrator with the company at Southern New Mexico Correctional Facility in Las Cruces, New Mexico, in April 2022. She said she knew almost immediately that she'd made a mistake.

On her first day, she expected training. Instead, she told BI, she got a pile of outdated policy manuals and a chilly welcome. Within a few days, multiple nurses quit. By her first weekend, Egan was left with a skeletal medical staff to serve nearly 1,000 men, many of whom were on complex combinations of medication or had significant medical needs.

In a suit Egan later filed claiming retaliation, she said she was soon working 19-hour shifts, scrambling to sort pills and handle prisoner sick calls. Sixteen nurses short of a full staff, she was drowning. Routine care was falling through the cracks, she said in court filings. Without dedicated nurses to administer the prison's pharmacy, medications were haphazardly stored, sorted, and distributed, increasing the risk of mix-ups or accidental overdoses. Men sometimes went weeks without their pills and longer without nurse's visits.

She asked Ronald Martinez, then the prison warden, for more staff, training, and resources. In October 2022, she said in court filings, she reported the facility to the state pharmacy board for what she said was a lack of safety precautions in the handling of medications. Then she appealed to Wexford's regional managers. Her daily requests turned into desperate pleas. She told Martinez and her regional managers that she considered the situation extremely dangerous, both for herself and for the people in her care.

She said that Martinez responded by criticizing her job performance and that her Wexford regional managers refused to take remedial action.

Martinez did not respond to requests for comment. Brittany Roembach, a spokesperson for the New Mexico Corrections Department, noted that Martinez and the department were recently dismissed from Egan's lawsuit and said that the agency "remains committed to the health and safety of our inmates and to maintaining high standards of care within our facilities."

Egan said she returned home after one shift, about six months into her job, feeling demolished, only to find two $50 gift cards and a signed note from a Wexford official, Jim Reinhart, thanking her for sticking with the job. "Wexford appreciates everything you are doing to try and fix Southern," Reinhart, who is now Wexford's director of business affairs and transitions, wrote. "Most people would have walked away by now but somehow you have stuck it out."

Reinhart did not respond to requests for comment.

She felt proud and even hopeful. She decided to email Reinhart directly, according to her complaint, alerting him to her working conditions and asking for assistance.

Egan was fired shortly after. In court filings, Wexford denied that Egan was insufficiently trained, that her workplace was unsafe, and that the company had failed to respond to her requests for support. Wexford said any harm that Egan suffered was caused by Egan's conduct alone. Egan's retaliation suit against Wexford remains ongoing.

A December 2023 monitoring report, the result of a consent decree requiring Illinois to improve care in the state's prisons, where Wexford runs medical operations, documented the company's routine failure to meet its medical care obligations. The report describes a litany of preventable deaths and critical lapses in treatment.

The Illinois Department of Corrections did not respond to requests for comment.

The monitor reviewed records of 107 prisoner deaths in the state from 2021 to 2023 and identified nearly 900 treatment deficiencies. Over and over, Wexford doctors and nurses did not recognize or treat "red flag" symptoms; chronically delayed or denied treatments, tests, and referrals to specialty care; and failed to provide basic emergency medical care such as taking vital signs or calling 911.

In dozens of cases, the report found, men and women under Wexford's care were subjected to prolonged treatment delays. A critical lack of staff, the report said, may explain the "widespread and therefore systemic" deficiencies. As of June 2023, the report said, Wexford had failed to fill even half of its contractually obligated medical positions.

In December 2023, Illinois state officials awarded Wexford another five-year contract worth more than $4 billion.

'There was nothing more I could do'

In the months and years after Cox's death, the state's investigative report and subsequent court filings laid out the events of his final hours in granular detail.

At 7:28 p.m. on March 15, 2015, Carolyn Conrad, the Wexford subcontractor, entered Cox's cell at Martin Correctional Institution. She noted his stilled chest and blood trickling from his nose and mouth. Two corrections officers told a Florida state investigator they saw Conrad search for a pulse at Cox's wrist. In a later deposition, Conrad said she also checked Cox's pupils, looked for breath or other signs of life, rubbed her knuckles against his sternum to check for reflexive movement, and administered a few chest compressions, though the officers who were present recall none of this.

"He's dead," she told them, and exited the cell.

Cox's mother, Monica Stone, commissioned an independent review of the autopsy report by a forensic pathologist. He noted that Cox's brain had swollen against his skull, an indication, he said, that Cox's heart was still beating for an indeterminate period of time after he was attacked. Whatever chance Cox had of survival was lost when no one gave him CPR. That failure, the pathologist wrote, was "grossly negligent and should be considered as contributory to his death."

Five minutes after Conrad left, two other licensed practical nurses arrived sprinting into his cell. They started chest compressions and ordered officers to call 911. Paramedics arrived at 8:16 p.m. and, nearly an hour after Conrad and the corrections officers first saw that Cox was unresponsive, they declared him deceased.

Cox's mother, Monica Stone, sued Conrad, the prison warden, the corrections officers who first arrived at his cell, and the secretary of the Florida Department of Corrections in 2017. She argued that they'd violated her son's constitutional rights by withholding critical medical care.

Conrad had told Florida investigators that she had not received any training from the prison or from her employer, the nursing temp agency contracted by Wexford. In her subsequent court deposition, Conrad said she did not knowingly withhold care because she genuinely thought Cox was dead.

"I believed there was nothing more I could do," she said.

Shaniek Mills Maynard, a magistrate judge, did not find a constitutional violation. Conrad may have been negligent, she reasoned, but if the licensed practical nurse genuinely believed him dead, she had not been deliberately indifferent to his suffering.

A district judge, Robin L. Rosenberg, concurred. In the eyes of the courts, Conrad's failure to give CPR was not constitutionally inadequate care. The District Court for the Southern District of Florida granted summary judgment to every defendant.

On appeal, the judges of the 11th Circuit found Conrad's decision to withhold care "regrettable and potentially tragic."

"But there is nothing in the record," they said, "indicating that it was made in bad faith."

• I recently stayed at the Four Seasons Jackson Hole, a luxury ski-in, ski-out resort.
• My 550-square-foot room had a private balcony overlooking the slopes.
• I thought the room's luxury cabin vibe seemed like an ideal accommodation for a skier.

If I ever take a ski trip, I want to retire to a cozy room with cabin vibes and luxury touches. Ideally, it would be in a slopeside, five-star hotel.

Perhaps the Four Seasons Jackson Hole would fit the bill. In September, I spent one night at the ski-in, ski-out resort.

Although the mountains were not yet covered in snow, my room — which has a starting rate of nearly $1,000 a night during the winter ski season — seemed like a peaceful place to rest after an active day of gliding through powder.

When I arrived at the Four Seasons Jackson Hole on a muggy day in early September, I imagined it covered in snow.

The 63-year-old hotel chain has a luxurious reputation and 133 locations worldwide, each designed to reflect its destination.

"There's a sense of place at every Four Seasons," Kim Cole, the director of public relations for the Four Seasons, told Business Insider.

Cole added that the company describes the Jackson Hole location's aesthetic as "modern mountain chic," catering to hikers, bicyclists, and skiers in the winter.

After checking in, I explored the room with the typical peak-season guest in mind.

The hotel has 106 guest rooms and 18 suites. The starting rate is $525 in the offseason and $995 in the peak winter season. BI received a media rate for a one-night stay.

There are also 31 Resort Residences on-site, built to serve large groups. These residences have kitchens and as many as five bedrooms. Starting prices range from $4,200 to $11,000, depending on the season.

Cole told BI that in the winter, guest rooms are typically booked with active guests who participate in winter sports, so I imagined how the room would feel as a skier.

I thought my 550-square-foot room blended traditional cabin nostalgia with midcentury modern luxury.

My room had a king-sized bed, a full bathroom, and a private balcony.

Renovated by Wimberly Interiors in 2022, the guest rooms were designed to bring the outside in, with metal accents, stone finishings, and a soft, earth-toned color palette. This nature-inspired trend, known as biophilic design, gained traction in 2024.

The bed was plush with warm, fluffy bedding and dense pillows.

The king-sized bed sat between mixed material nightstands with edgy lamps contrasting classic wooden shutters.

With one king-sized bed, the room sleeps up to three adults (or two adults and one kid). The room can also be arranged with two double beds, increasing the maximum occupancy to four adults (or two adults and two kids).

The nature-inspired headboard was a mesmerizing statement piece.

The headboard was the standout piece in the room. A cherry wood frame juxtaposed a bright, white image, giving it a midcentury modern look.

The image was a textured carving of trees that I could feel when I brushed my fingers over the branches. A light bar glowed beneath the board, making it easier to see the details of the monochrome image.

The bed was so comfy that I didn't want to get up — and with smart controls on the in-room tablet, I didn't have to.

The tablet on the nightstand served as the room's control center, commanding everything from the TV to room service. This amenity was added in the 2022 remodel.

The tablet would be especially handy after an exhausting day on the slopes.

The other nightstand held an eclectic shelf of books with a warm white color palette.

Few things are more relaxing on a snow day than cozying up with a good book.

Luckily, my room had a small selection of biographies, historical literature, and novels ranging from realistic fiction to young-adult fantasy.

Publishing dates for these books ranged from 2003 to 2020, but I thought they looked much older. They were all sleeveless with a white or off-white binding.

Across from the bed, a large TV was mounted above a stone fireplace.

Rustic drawers were to the left of the fireplace, while a modern sitting area was on the right.

I noticed all the seating in my room was soft and cushy, which seemed ideal for sore bodies after an active day.

The room also had a private bar with gold trimmings.

The bar had an espresso machine, neutral-toned ceramic mugs, and Four Seasons branded water.

Beneath the bar, a cabinet hid the mini-fridge. It was stocked with alcohol and snacks like peanut M&Ms and gummy bears, which were available for an extra cost.

In the marble bathroom, the oversize tub had a bendy shower head that made me feel like I was in a spa.

The bathroom had complimentary Le Labo toiletries.

The bathroom felt large, with a double sink vanity, a sizable shower, and a separate toilet room.

The mirrors and vanities were replaced by Wimberly Interiors in 2022.

Across from the bathroom, a spacious walk-in closet held bathrobes, a safe, and some classic, upscale amenities I've only seen in ultra-luxury hotels.

I spotted old-school amenities like a shoe horn and shine brush, which I've seen more often in high-end European accommodations than in the US.

The ample size of the bathroom and closet made the room suitable for up to four guests.

The private balcony seated one on a comfortable lounge chair.

I spent some time on the deck, but since I imagined it would be less enjoyable in the cold, I appreciated that there were sliding glass doors to enjoy the view without the low temperatures.

Out there, I had a view of the ski lifts traveling up and down Rendezvous Mountain.

From the balcony, I spotted the slopes towering over the resort's courtyard.

Looking down, I pictured the green courtyard in a blanket of snow as bundled-up skiers got their bearings before hitting the slopes.

• Getting together with family over the holidays can be stressful.
• Afterward, you may feel similar to how you feel when hungover — even if you didn't drink.
• Here's how to deal with the effects of an "emotional hangover."

Whether you're disagreeing over politics or dodging questions about why you've gained or lost weight, getting through a family gathering can feel like you're dealing with a powder keg of emotions. Then you wake up the next day with nausea or a pounding headache.

All signs point to a hangover — except you didn't drink alcohol. Instead, your unpleasant symptoms might be due to an "emotional hangover," which refers to the "feeling of physical and emotional exhaustion that follows an intense emotional situation," Charlynn Ruan, Ph.D., a clinical psychologist and founder of Thrive Psychology Group, told Business Insider.

When you have a conflict or negative interaction with someone, "your nervous system is flooded with adrenaline and cortisol, and you may enter a state of fight, flight, or freeze, which helps you navigate threats and challenges," she added. Following an intense emotional experience, you may develop symptoms like exhaustion, headaches, and brain fog.

Although an emotional hangover isn't a clinical diagnosis, the nausea and fatigue can resemble the effects of consuming alcohol. Below, two psychologists explain what makes you vulnerable to an emotional hangover and how to recover after a tense family gathering.

What situations can trigger an emotional hangover?

Strong emotions like fear and anger can elicit the body's natural stress response. "Once the stress subsides, the body may experience a 'crash,' leading to fatigue, nausea, headaches, irritability, and muscle soreness," Harris Stratyner, Ph.D., a New York City-based psychologist, told Business Insider.

Ruan explained that any situation that triggers the fight, flight, or freeze response can lead to an emotional hangover. For instance, you might feel drained or disoriented after having a heated argument with your partner, mediating conflict between relatives, or returning to a home or town that reminds you of traumatic childhood events.

Accordingly, emotional hangover triggers may be connected to unresolved childhood traumas or present-day conflicts, Ruan said. "If you did something you regret, guilt can linger and create a sense of emotional depletion," Stratyner said.

Other reasons you might experience an emotional hangover include failing in front of others, receiving upsetting news, taking on too much responsibility at work or home, or ending a relationship, Stratyner said. The more you're invested in a relationship, the greater your emotional distress can be.

Besides uncomfortable family dynamics, noise, large crowds, and travel can heighten your distress. The holidays also carry additional pressures like overextending yourself financially or being around family members you might otherwise choose to avoid during the year.

What makes you vulnerable to an emotional hangover?

Certain tendencies and personality traits can make you susceptible to an emotional hangover. "People who are high on the personality trait of agreeableness may have difficulty saying no to activities that are draining or experience cortisol spikes, even if a conflict is between other people and doesn't concern them," Ruan said.

Stratyner said that being high in neuroticism can make you more reactive to emotional stressors, which makes it more difficult to recover from stressful experiences. The same goes for low self-esteem since you're more likely to internalize criticism and struggle with feeling inadequate.

Stratyner said people who describe themselves as introverted or highly sensitive may also experience deeper emotional fatigue after taxing social interactions. They might also be more prone to ruminating about past events and dwelling on negative feelings.

"People-pleasers often suppress their emotions to avoid conflict and keep others happy," Stratyner said. When you can't please everyone or need to be assertive, you might feel conflicted and drained, leading to an emotional hangover.

Like people-pleasers, perfectionists may experience disappointment or shame if they fail to meet their high standards. Additionally, "those with an anxious attachment style are more likely to agonize over social interactions and perceive threats to your relationships even when there aren't any," Ruan said.

How do you recover from an emotional hangover?

One way to prevent an emotional hangover is to engage in soothing activities. For example, you can write down what you're grateful for, spend time outdoors, or take a break from the news or social media, Stratyner said.

Before attending a family gathering that could be triggering or overwhelming, Ruan suggested making time to see friends, booking a session with your therapist, going for a run, or engaging in a relaxing hobby. She also recommended reaching out to supportive family members and discussing how you can help each other or intervene in case you get caught in a stressful conversation.

If you do get an emotional hangover, there are ways to speed up the recovery process. Since your nervous system is depleted, it's important to recharge by resting, catching up on sleep, having a bath, or listening to music.

"Be around friends and family who feel safe and loving, so your nervous system will stop releasing cortisol and adrenaline and start producing oxytocin and serotonin, which help regulate your mood," Ruan said. Additionally, Stratyner recommends small gestures like sending a thoughtful message or volunteering, which can make you feel a sense of purpose or positivity.

"If you feel antsy or agitated, you may need to engage in a high-energy activity to burn off built-up hormones and signal to your body that the threat is over," Ruan said. Activities like boxing, running, and weightlifting can provide a healthy outlet for releasing stress and help you recover from an emotional hangover.

• A strike by Starbucks baristas is expanding, their union said.
• The strike is due to expand to more than 300 locations on Tuesday, it said.
• The union wants better pay and said Starbucks had not settled many unfair labor practice cases.

A strike by Starbucks workers will expand to more than 300 locations on Tuesday, a union that represents the company's baristas said.

Starbucks Workers United said on Monday that walkouts by workers would reach new locations like Atlanta and Buffalo, as well as other locations that had not been announced, The Washington Post reported.

That means some stores in the US's largest coffee chain will be affected on Christmas Eve.

Starbucks workers began striking on Friday over what the union previously told BI were issues over pay and unresolved cases related to labor disputes.

The union said on social media that the company proposed no new wage increases for union baristas and had backtracked on a path it had agreed to with workers regarding collective bargaining and pay organizing.

"The company says they have world-class benefits and pay, but for many workers, that's not the reality," it said. "Starbucks workers often struggle to get hours to qualify for benefits, and annual raises don't match the rate of inflation."

It asked people: "While we're on strike, support workers by NOT buying from Starbucks."

More than 60 locations have temporarily shuttered because of the strikes, the Post reported.

Philly Workers United, a food service workers union, said on X on Monday that five union Starbucks locations across Philadelphia had closed the day before.

Baristas have also gone on strike in locations including Los Angeles, Chicago, Seattle, Columbus, Denver, and Pittsburgh, as BI previously reported.

The union has also shared footage of workers striking in Texas, Massachusetts, New York, and Oregon.

The union said on X that the strike would "escalate each day through Christmas Eve... unless Starbucks honors our commitment to work towards a foundational framework."

The Washington Post reported that baristas are expected to return to their jobs on Christmas or the following day.

It is not clear if strikes will later resume.

A Starbucks spokesperson told BI earlier this week that the company "offers a competitive average pay of over $18 per hour, and best-in-class benefits."

They said the company also offered competitive benefits, including "health care, free college tuition, paid family leave, and company stock grants."

The spokesperson said that "no other retailer offers this kind of comprehensive pay and benefits package."

"Workers United proposals call for an immediate increase in the minimum wage of hourly partners by 64%, and by 77% over the life of a three-year contract. This is not sustainable," they added.

The company also said in a public statement that union delegates "prematurely ended" the bargaining session this week and that it was "disappointing they didn't return to the table given the progress we've made to date."

The company wrote, "We are ready to continue negotiations to reach agreements. We need the union to return to the table."

Shay Mannik, a striking barista in Denver who has worked at Starbucks for two years, told Business Insider, "We've been in contract negotiations with Starbucks for several months now, and things have been going smoothly up until this point — when they have now refused to offer us a viable economic package."

"They just have not been offering us anywhere close to a living wage."

Starbucks has 11,161 self-operated stores and 7,263 licensed stores in North America, BI previously reported, making stores with striking workers a small percentage.

But the union said it was still the largest ever strike against Starbucks.

The union said last week that an "overwhelming" 98% of union partners had voted in favor of the strike authorization.

In a recent post on X, the union wrote: "Starbucks CEO Brian Niccol makes ~$50,000 an HOUR and commutes to work via private jet."

"All while baristas nationwide are struggling to pay their rent and get the hours they need to qualify for benefits," it added.

Brian Niccol became CEO of the company in September and has spoken about wanting to improve conditions for the company's baristas.

He recently announced a new parental leave policy for employees in the US, which is due to increase paid leave for parents from March. It applies to store employees averaging at least 20 hours of work a week.

• An off-duty pilot stepped in to help fly a Boeing 737 after the first office was taken ill.
• The off-duty pilot was a passenger on a Westjet flight from Calgary to Vancouver.
• Pilots are trained for emergencies, and flights always have multiple pilots for safety.

An off-duty pilot stepped in and helped to fly and land a Boeing 737 when the flight's first officer was suddenly incapacitated mid-flight.

The transportation website Paddle Your Own Kanoo first reported that the incident took place on a WestJet flight from Calgary to Vancouver on the morning of December 4.

The off-duty pilot was known to the crew and could be called upon to assist in flying the Boeing 737. The pilot then sat in the cabin for the rest of the flight.

"During cruise, the first officer reported feeling ill and was unable to continue their duties. One of the passengers on board was a Westjet pilot who was able to assume the first officer's duties," a preliminary report from the Canadian Transportation Safety Board said, per the Aviation Herald.

"The incapacitated first officer sat in the cabin for the remainder of the flight. The flight crew did not declare an emergency or request a priority handling. The aircraft landed without further incident," the report added.

WestJet did not immediately respond to a request for comment from Business Insider on the incident.

If a pilot is taken ill, airlines normally declare an emergency and land the plane as soon as possible.

Retired US pilots Kent Davis and Mark Stephens previously told Business Insider that it is "not a big deal" when pilots become unwell during a flight because they are trained to handle these situations.

Stephens said there are at least two pilots on domestic flights, while international flights can have two pilots and two captains.

"Pilots know what they are doing, and they do it repeatedly," he said.

Sometimes, pilots become more seriously ill. In July, an Airbus A320 from London Luton to Lisbon, which was carrying almost 200 passengers, was met by paramedics on landing after the copilot fainted in midair.

"The captain landed the flight routinely in line with procedures and passengers disembarked normally," an airline spokesperson told BI at the time. "At no point was the safety of the flight compromised."

In October, it was reported that a Turkish Airlines captain died in midair on a flight from Seattle to Istanbul, and the plane was diverted for an emergency landing in New York.

"After the initial medical intervention on board proved ineffective, the cockpit crew, consisting of one captain and one co-pilot, decided to make an emergency landing," an airline spokesperson said at the time.

One pilot named Ken Allen told BI he suffered an aneurysm while flying a small plane with a friend and one passenger. He fell unconscious, and the passenger managed to safely land the plane instead.

Stephens, one of the retired US pilots, told BI that there are procedures in place for life-threatening situations. Flight attendants are trained in CPR and have defibrillators, and many planes have a direct line to medical staff.

• Some Democrats are dismissing the forthcoming DOGE push to cut wasteful government spending.
• Others in the party aren't totally writing off what Elon Musk and Vivek Ramaswamy are selling.
• Several key progressives believe they can work with the DOGE regarding the defense budget.

President-elect Donald Trump has grand plans to reduce the size of government, and he wants to use the forthcoming Department of Government Efficiency as a vehicle to make his intentions a reality.

Tesla CEO Elon Musk and businessman Vivek Ramaswamy, the incoming co-leads of the commission, have said they want to cut $2 trillion from the federal budget by July 4, 2026.

While many Republicans are fully onboard with the prospect of axing federal departments, a large number of Democratic lawmakers will likely be opposed to such efforts.

With Democrats still smarting from Vice President Kamala Harris' election loss and keenly aware of the extent of Musk's financial support of Trump in the 2024 race, rank-and-file members may not be inclined to aid the DOGE.

However, several Democrats, including Reps. Ro Khanna of California and Jared Moskowitz of Florida, have already signaled that they want to be a part of the conversation regarding any proposals.

Here are the congressional Democrats who could potentially give DOGE's recommendations a bipartisan boost:

Rep. Jared Moskowitz of Florida

Moskowitz was the first Democratic lawmaker to join the House's DOGE caucus, which will partner with the DOGE commission and look into ways to rein in spending.

The congressman in December told Business Insider that his overall mission is to reorganize the Department of Homeland Security so the Federal Emergency Management Agency (FEMA) and the Secret Service reports squarely to the commander-in-chief.

"If this is where that conversation is going to happen, I'm happy to be at the table," Moskowitz said. "And if they want to do stupid stuff, I'll call it out and I'll vote against it."

In a recent NPR interview, Moskowitz said joining the DOGE caucus isn't an indication that he's fully embracing Trump's legislative worldview.

"On some issues I'm progressive. On other issues I'm conservative, and I think that's how most of my constituents are," he said.

Rep. Val Hoyle of Oregon

Hoyle is another Democratic lawmaker who's joined the DOGE Caucus and is firmly standing behind the decision.

In a recent statement, she said she came to Washington "to be in the rooms where the tough conversations are happening" — while also affirming her commitment to protecting Social Security.

"I oppose cuts to the Social Security Trust Fund — always have and always will," she said.

"The DOGE Caucus is a forum to discuss ways to find savings in the budget," she continued. "Anyone who thinks there aren't opportunities to make government more efficient and effective is not living in the real world. This isn't a partisan issue."

Rep. Ro Khanna of California

Khanna, who represents a district that includes a chunk of the Silicon Valley, is known for his progressive views. He has crossed the aisle on a range of issues, including legislation involving technology and veterans.

"President Trump signed five of my bills in his first term. I think I was the California Democrat who had the most bills signed by him, and it's because I looked for areas of common ground," Khanna said in a December interview with Spectrum News.

Regarding the DOGE, Khanna said he hopes to work with the commission to root out wasteful spending in the Department of Defense.

"American taxpayers want and deserve the best return on their investment," he recently wrote in a MSNBC op-ed. "Let's put politics aside and work with DOGE to reduce wasteful defense spending."

Sen. Chris Coons of Delaware

During a November appearance on Fox News, Coons, a close ally of President Joe Biden, seemingly expressed an openness to some of DOGE's goals.

"They could save tens or even hundreds of billions of dollars," he said at the time. "Depending on how it's structured and what they do, this could be a constructive undertaking that ought to be embraced."

Coons also threw cold water on the $2 trillion figure, arguing that "there's no way" to make such dramatic spending cuts without impacting programs like Social Security, Medicare, and Medicaid.

Sen. Bernie Sanders of Vermont

Sanders, a longtime progressive champion, turned heads when he wrote on X that "Elon Musk is right" regarding the need to tackle wasteful spending in government.

"The Pentagon, with a budget of $886 billion, just failed its 7th audit in a row. It's lost track of billions," he said. "Last year, only 13 senators voted against the Military Industrial Complex and a defense budget full of waste and fraud. That must change."

Rep. Tom Suozzi of New York

Suozzi, a Long Island congressman known for his moderate brand of politics, said he looked forward to Musk and Ramaswamy's high-profile December visit to Capitol Hill to meet with lawmakers. However, Suozzi wrote on X that he was told the meeting wasn't open to Democratic members, a development he said was "unfortunate."

"I would have liked to attend the meeting and explore whether there are any opportunities to work across party lines to promote cost savings and efficiencies," he said. "Many of us on this side of the aisle share both the goal of making government more efficient, and actually have experience doing it."

• Every year, my dad would pick out the family Christmas tree at a nearby farm.
• After he had strokes, we figured out a way to continue to include him in the tradition.
• We kept up this new version of our ritual for over a decade.

We want holiday traditions to be static, each year repeating the last. In reality, kids grow, parents age, divorces happen, and jobs change, forcing us to adjust to suit new circumstances. We learned this when my father had strokes, and we fought to keep him involved in our annual tree fetch — a ritual that he'd started.

Decorating for Christmas was a task my dad adored, and finding the perfect tree was a contemplative task. At Nick's, the sheep farm with a few trees we went to every year, he studied spruce, fir, and balsam. When he found a promising one, he shook the snow off a branch, picturing how the lights would drape. Most trees were too fat, too full, and after what seemed like forever, my dad finally made his decision.

Our family repeated the tree-fetching ritual year after year

The older I got, the less I minded my father's measured pace. I didn't grow less impatient, just more appreciative. We kept coming to Nick's, and the trip unfolded sweetly and predictably. When my father asked our opinions, I knew that voting for a fuller Christmas tree was useless. The request for input was an opportunity for us to agree with his vision. Once he cut the tree down with his rusty handsaw, we dragged it to a clearing for a snapshot. The three of us beamed beside our scrawny tree, a scarf of impossibly soft hills behind us.

Dad took pictures using modest Kodaks and flimsy disposables, tracking time, and the expansion of our family. First, we added Jack, my husband-to-be, and then our first son. I valued the moment, a spot in the year that always happened.

So, when Dad had strokes, going from a spry and goofy 70-year-old to a stunned and humbled fellow, we had to keep him connected. The first year, we couldn't bring him because he was just regaining his strength. But when we brought the tree to my parents' house, we drank hot cocoa at the kitchen table and told him Nick said hello.

After my dad's strokes, we were determined to include him again

The next year, my husband was determined to get my dad back to Nick's. The idea terrified me. How could we get a wheelchair up the stony field? My mother wouldn't let it happen! Luckily, Jack ignored my resistance and made a plan with Nick to use a hay wagon, with a four-wheeler as backup, to get my father up to the trees.

When Jack proposed this, my parents said yes. They trusted him. He is a dancer and a tree surgeon, and when my dad was still able, he sometimes helped Jack at work. Wearing a hard hat, he dragged branches and helped lower limbs to the ground. Jack's use of trigonometry to get the branches away from a house really impressed him. "He's a wonder," my dad said. Yes, he was, but this was the first time he'd be assisting anyone in a wheelchair up a half-frozen field.

My mom sent us off to the farm. We were a caravan of minivans, holding my sister and her daughters, my brother, my family, and my dad. My sister and I helped our kids out of their car seats and fit their mittens into place. We helped Dad transfer from the car to his wheelchair and pulled on his gloves.

The event went without a hitch. Most of us climbed onto the hay wagon, but it was too high to hoist my dad. Jack and my brother helped him on the four-wheeler, and my brother sat in front of him and drove. I was in awe that Jack had imagined this day into a new shape.

At the top, Jack and my brother transferred Dad back to his wheelchair and took turns pushing him through the patch of trees. The rolling was rough, so he didn't survey every possible one, but he got a good sample. When he found what he wanted, Jack got him in place so he could saw it down himself.

Pictures of this day show a gray sky and patchy snow, all of us smiling. We were just a family fetching our Christmas trees, a normal and joyful thing. Did we lament that the day was different? We couldn't, because the tradition was still repeating, just altered.

We continued the tradition in this new way until my dad died

For the next dozen years, we kept going to Nick's. Instead of using the four-wheeler, Jack — and later, our eldest son — towed my father uphill. They looked like beasts of burden, pulling the patriarch. Jack tied a length of rope to the chair, and stepped into the loop, pulling it up to his chest. We made our selections — ours was always sculptural, a twist of pine regrown from a stump. The one for my parents' house went on the deck, so it could be 15 or 20 feet tall. We arranged ourselves at the outdoor photo studio and posed.

The year my father died, I don't remember what happened.

We still get our tree at Nick's. A young family now shares the tradition, and this makes me miss my father a little less. The trees are so tall that they've lost most of their lower limbs, and made a bed of needles. When the little boys run through the small forest, they kick up a terrific perfume of pine.

Their father is a tree surgeon, too, and this year climbed 15 feet up to cut down the top of a tree, which was still 20 feet of pine, to use at a community square. My family chose a 20-footer too, and have it on the deck that my youngest, a 21-year-old, built this summer. All of this rhymes with the traditions Dad began.

Family rituals don't work because we repeat them by rote. They work because we thread a feeling through a moment, sewing up time. We work like tailors, making adjustments to keep everyone, living and remembered, inside.

• Microsoft is diversifying the AI models for 365 Copilot to reduce reliance on OpenAI, per Reuters.
• The move aims to cut costs and improve speed for Microsoft's enterprise clients.
• Big Tech firms have invested heavily in AI startups to develop advanced models.

Microsoft is diversifying the artificial intelligence models it uses to power its flagship AI assistant, 365 Copilot, in a bid to reduce its dependence on OpenAI, Reuters first reported.

The Big Tech giant is moving toward adding internal and third-party AI models to help run its 365 Copilot to cut costs and address concerns about speed for its enterprise clients, per the report.

As one of OpenAI's main backers and corporate partners, Microsoft will continue working with the AI startup to develop frontier models.

"We incorporate various models from OpenAI and Microsoft depending on the product and experience," Microsoft said in a statement to Reuters.

Microsoft can customize OpenAI's model, per its original licensing agreement with the company. While Microsoft is currently training its own model, Phi-4, the software juggernaut is looking at modifying other third-party models to reduce the cost of running 365 Copilot.

Microsoft's lackluster debut of Copilot raised concerns about the software giant's ability to deliver on its AI ambitions, BI previously reported. Some customers appear to be dissatisfied with the product, spurring complaints that it is ineffective, expensive, and not secure.

In the race to develop powerful frontier models, Big Tech giants have scrambled to bulk up their arsenal of AI investments — and pumped billions of dollars into startups to help them achieve this goal.

Amazon has invested $8 billion into AI juggernaut Anthropic and used the startup's technology to power its digital assistant. This year, Google signed a deal with Character.AI, a startup that develops anthropomorphic chatbots, which allowed it to hire its founder and license its technology — a deal described as an "acquihire."

Microsoft and OpenAI did not immediately respond to a request for comment, sent outside standard working hours.

• Elon Musk's xAI raised $6 billion in its Series C fundraising, the startup announced on Monday.
• The round's participants included Sequoia Capital, and Nvidia and AMD were strategic investors.
• The AI startup plans to use the cash to ship new products and build out its infrastructure.

Elon Musk's xAI has completed its Series C funding round, raising a total of $6 billion, it revealed in a Monday blog post.

Musk's artificial intelligence company said the participants included a16z, Sequoia Capital, Morgan Stanley, BlackRock, Fidelity, Saudi Arabia's Kingdom Holdings, Oman and Qatar's sovereign wealth funds, California-based Lightspeed Venture Partners, Chicago-based Valor Equity Partners, Dubai-based Vy Capital, and UAE-based tech investor MGX.

xAI added that chipmakers Nvidia and AMD took part as strategic investors and "continue to support xAI in rapidly scaling our infrastructure."

Musk shared the news on his X platform, writing, "A lot of compute is needed." He also tagged xAI in a meme generated by xAI's Grok chatbot that riffed on a famous line from the movie "Jaws."

Musk was likely underscoring the vast amount of processing power needed to train and run AI models, which has fueled enormous demand for microchips and underpinned a roughly eightfold rise in Nvidia stock since the start of 2023.

xAI, founded in March last year, raised $6 billion at a post-money valuation of $24 billion in its Series B round in May. The Wall Street Journal reported in late November that it had raised a further $5 billion at a $50 billion valuation. It appears xAI ultimately raised a bigger round of $6 billion, but the valuation wasn't disclosed.

The startup highlighted its progress since May in its blog post, including its launch of Colossus — the world's largest AI supercomputer powered by 100,000 Nvidia Hopper GPUs, which xAI plans to double in size to 200,000 chips soon.

xAI also released version two of Grok, an application programming interface (API) for developers to build on its platform, its Aurora image generation model for Grok, and Grok on X.

The company said it's training Grok 3 and "focused on launching innovative new consumer and enterprise products that will leverage the power of Grok, Colossus, and X to transform the way we live, work, and play."

Musk's fledgling business said it would use the Series C funds to accelerate its infrastructure growth, ship new products, and speed up its research and development of tech that will enable its "mission to understand the true nature of the universe."

• Emily Schildt, 37, is a veteran brand marketer and CEO of Pop Up Grocer, a boutique grocery store.
• Pop Up Grocer, which has been called NYC's answer to Erewhon, has plans to expand across the US.
• Its success thanks to Gen Z viewing a pantry stocked with pricey snacks as a status symbol.

Emily Schildt is a millennial, but if you peeked into her pantry, you could easily mistake her for Gen Z.

Bank of America reported Gen Z customers spent more at premium grocery stores than any other generation in 2024. Younger consumers are more likely to buy luxury grocery items as they become priced out of more expensive purchases, like a house or designer handbag.

Schildt, 37, gets the hype. The self-proclaimed "peanut butter connoisseur" currently has two spreads on rotation in her Brooklyn home: One Trick Pony Nuts, a peanut butter made of Argentine peanuts and Patagonian sea salt, and Pistakio's pistachio spread. Together the two jars retail at over $25.

Schildt, the CEO of Pop Up Grocer, is accustomed to the price of luxury condiments. She launched the boutique grocery store in 2019 to spotlight the newest modern food and beverage brands.

The brand's first brick-and-store opened last year in the West Village. TikTokers dubbed Pop Up Grocer as New York City's answer to Erewhon — an upscale market chain in Los Angeles known as a celebrity hotspot and for pricing essentials like milk for $20.

Schildt was working as marketer for small food companies and saw firsthand how difficult it was for her clients to succeed at large retailers.

"You can obviously have a great product and a wonderful story to tell, but ultimately, it was really difficult, if not impossible, to find a shelf on which to sell your product," Schildt said.

That realization led her to launch Pop Up Grocer in 2019. Schildt told Business Insider, "I started as a single pop-up store here in New York and it was just 10 days long and it was really successful. So we went on to do nine more of those." Pop up Grocer raised a $3 million seed round in 2021.

Now, the company has evolved into a permanent store. Schildt said the store, which opened in 2023, has been successful "in terms of year-over-year growth."

"We have been fortunate to operate every unit since our start profitably," she said, adding "I'm very proud and excited about that."

"Now we are putting plans in place and making inroads to open a second store," she said.

Gen Z is redefining groceries as a luxury

The last four years haven't been without challenges.

First, there was the not-so-small hurdle of launching Pop Up Grocer during a worldwide pandemic. "It was wild," Schildt said, adding that she felt it has had a lasting impact on consumers.

People might be more "flush with cash" nowadays, she said, but "they're being very reserved about how they're spending it."

However, one demographic isn't afraid of splurging on pantry products: Gen Z. BI previously reported that Gen Zers are spending more on expensive snacks, food, and beverages than ever.

Schildt echoed this, telling BI the generation has redefined groceries as "a more accessible luxury product."

"A $20 Hailey Bieber smoothie from Erewhon might give you some clout among your peers and social audience," she said. Similarly, at Pop Up Grocer, some of the most expensive snacks have the highest sales in revenue.

A $20 Coconut Cult yogurt is small potatoes compared to a luxury handbag, but it still gives you a feeling of indulgence, Schildt said.

The Sephora of Food Retail

Like many CEOs, Schildt does some of her best problem-solving and ideating on the shop floor.

"I learned that I didn't really know my customers at all until, you know, I sat in our café for a week and watched how people use the store, what they're buying, and how they interact with our team."

It's a strategy that Schildt used long before she opened the first Pop Up Grocer store.

When asked about the Erewhon comparisons, Schildt said, "Erewhon is my Mecca," adding, "I went many times as a point of inspiration for starting my business. To go in there and to find camel milk as a concept was really sort of inspiring."

In the aisles of Erewhon, Schildt asked herself: "If I'm using the store in this way for discovery and inspiration, why isn't there a store that is created specifically for that purpose?"

Enter Pop Up Grocer.

"Ultimately, our goal is to be the Sephora, if you will, of food and beverage, of grocery," she said, "a place for discovering new brands and new products, for prioritizing, as a company, new brands and underrepresented and under-resourced founders across the US."

Aspirational grocery shopping is a promising market for Schildt to bet her success on. Erewhon made an estimated profit of $171 million last year and told Bloomberg it averages four times the annual revenue per square foot of other groceries. Bayley & Sage, a luxury independent grocery store in London, saw a 29% increase in revenue last year, according to the Financial Times.

Schildt wouldn't say where she plans to open the next Pop Up Grocer, though Los Angeles, a hub for the rich and famous of America, does seem like a logical next step.

If Pop up Grocer does head west, Erewhon should brace for some friendly competition, which Schildt said is necessary to grow the category.

"The more the merrier," she added.

• Madeleine White's pajama brand faced backlash over pricing and material quality.
• She took the website down and relaunched it seven months later with higher quality and lower prices.
• White told BI building back trust with her audience is the most important thing for her.

Madeleine White learned what happens when your brand is a huge miss with your fans the hard way.

When she launched her pajama brand, See You Tomorrow, in May, White was thrilled because designing fashion was all she ever wanted.

But the launch went awry. Fans didn't like the price point or the materials used in many of the garments, leading to cries that White was out of touch and had lost the authenticity she had grown her millions of followers for.

"It was always a dream starting my own business," White told Business Insider. "But I could not have been prepared for how difficult it's been.

A clothing launch backfires

White started making content after she lost her job during the COVID-19 pandemic and decided to learn how to use a sewing machine.

Using her decade of experience in modeling, White became known for sharing thrifting videos and industry insights.

On Instagram, she now has 1.6 million followers, and on TikTok, she has 4.7 million.

But after See You Tomorrow launched, fans lamented that she'd forgotten her roots.

White's aim was always to create a brand that would resonate with her followers: one that wasn't budget or fast fashion but also wasn't high-end and unaffordable.

But while things started off well with over half a million visitors on the website, customers felt See You Tomorrow fell short on price point and quality.

"I feel like her original fan base have nothing in common with her current ventures," one said on the InfluencerSnark subreddit.

Under one Reddit post showing a $145 pajama set, customers said they weren't too eager about the price or the materials.

"They're cute, and I've been trying to focus on a smaller but more quality wardrobe, so the price didn't immediately turn me off," one said. "$145 for 100% polyester is absolutely insane though."

"She should get backlash for this, because choosing fast fashion materials but selling it at a high-end price is wild," wrote another. "Were this made from cotton satin or even a cotton silk voile it would be worth it. It would be sustainable."

White told BI she was aware of the complaints immediately and decided to take action. She took the site down and started rethinking the entire brand.

"We went back to the drawing board after a couple of days," she said. "I decided that unless I could fix most of these concerns that people had and really give it a proper shot, then it wasn't really worth continuing the business."

7 months later

White didn't want to make any announcements while things were in flux, which was hard to do with so many fans eager to know what was happening.

Seven months later, in December, See You Tomorrow relaunched with new, higher-quality pieces and lower prices.

"I decided to bet on myself and put my money where my mouth is and to create the product that I wanted to make," she said. "I trusted my instincts that something wasn't right and that we could do better — and we are doing better."

White had to find new manufacturers and pay for everything herself. She said that though it was hard, she's glad she took that leap of faith.

"I felt like it would be so much more powerful to my audience if I could prove to them that I actually cared about their opinions and I cared about that feedback," White said.

"It's easy to say, I'm so sorry, I fucked up," she added. "But it's much better to say I'm so sorry, I fucked up, and here is how I fixed it."

White told BI that the last few years have been a mad rush because she was so eager to start her own brand. In hindsight, she would have spent longer researching what she wanted to do and not taken the first offer that came along, she said.

"It was definitely an eye-opener," she said.

Trust is everything

White posted a TikTok this month explaining everything. She said what was most important to her out of everything was building trust again with her audience.

It seemed to pay off, with followers thanking her for her transparency and applauding her for listening to their concerns.

White said she doesn't care if she sells one product or a thousand with this new launch — she just wants to repair her relationship with her supporters.

"I've definitely learned just how badly launching a brand that people don't like can hurt your public image," she said. "It just goes to show how important it is for us as people with large followings to do things right."

She said she's also learned that people are happy to pay for quality as long as they know how a price point was reached.

White said influencers are held to a high standard, but ultimately, she sees that as a good thing.

"It just makes the brand better," she said. "I've learned so much, and I've definitely learned not to put my name on anything until I'm 100% happy with it."

• A Russian-flagged cargo vessel has sunk in the Mediterranean Sea, per Russia's foreign ministry.
• The Ursa Major ship went down after an explosion in the engine room, the ministry said.
• It comes after Ukraine said Moscow had sent four ships to Russian military bases in Syria.

A Russian-flagged cargo vessel has sunk in the Mediterranean Sea after an explosion in its engine room, Russia's foreign ministry said on Tuesday.

Fourteen crew members were rescued, but two were missing, the ministry's situation and crisis unit said in a Telegram post.

A map posted alongside the statement suggested that the vessel's location was between Aguilas in southern Spain and the Algerian port city of Oran.

The ministry said the vessel, the Ursa Major, was owned by SK-YUG LLC, a Russian shipping company also known as SC South that has been sanctioned by the US.

Ship tracking data said the 466-foot vessel, built in 2009, last departed from St. Petersburg on December 11.

It comes after Ukraine's intelligence directorate reported on Monday that a Russian cargo ship called Sparta had broken down near Portugal after the engine failed.

The GUR said the ship had been sent to evacuate Russian weapons and equipment from Syria.

The crew was able to fix the vessel, and it continued on through the Strait of Gibraltar, the GUR said.

It remains unclear whether the Sparta and the Ursa Major are the same ship. Maritime tracking data shows that the Ursa Major was previously named Sparta III.

Moscow has operated two military facilities in Syria, the Hmeimin airbase and the Tartus naval base. Both have been crucial for projecting Russia's influence across the Middle East and Africa.

The fall of longtime Syrian ruler Bashar Assad earlier this month has called the future of the bases into question.

Ukraine's GUR said earlier this month that Russia had deployed four ships to help evacuate equipment in Syria, including ships named the Sparta and Sparta II.

This is a developing story. Please check back for updates.

• Four Americans shared how a six-figure salary affected their lives.
• Higher salaries have helped them travel, pay off student debt, and improve their relationships.
• However, landing a higher salary came with long hours and more responsibilities.

Landing a higher salary can be life-changing, said four Americans who've reached this pay threshold over the past decade.

Due to rising prices in the past few years, a six-figure income doesn't go as far as it used to, but for many people, it's allowed them to splurge on travel or establish financial security.

Most Americans aren't six-figure earners: The average annual salary for full-time workers was about $82,000 as of November, the latest data available, per a New York Fed survey.

Business Insider asked four people who've made more than $100,000 annually about the biggest benefits of having a six-figure income. BI has verified their six-figure earnings.

The perks include enhanced relationships

David Houde first earned a six-figure income in 2015. This year, he's earning roughly $144,000 annually as a software engineer. The 48-year-old, who's based in Michigan, said boosting his earnings made him less hesitant to spend money.

"Even when grocery shopping, I used to try to keep a running tab of what I was spending," he said. "When I felt like it was getting too high, I'd start making decisions on what I could put off until the next time."

House said he occasionally relied on credit cards to purchase items, which accrued debt when he couldn't pay off the balance. Now he has enough money to not only pay off his credit card but have plenty left over.

Christopher Stroup, who first made $100,000 in 2014, said the pay bump helped him pay off his student debt.

The 33-year-old, who's based in California, said his income also enhanced his relationships with friends and family. He can afford to regularly travel with them or dine out at restaurants with them.

"I even have an annual goal to make it to Europe at least once," he added. "None of that would be possible if I weren't earning at this level."

Additionally, Stroup started his own financial planning business: He launched it in September after leaving his job in August. He said he's had to put a lot of money into his startup, but that he'd saved enough in recent years to both invest in his business and meet everyday expenses. He said he expects to earn over $100,000 in combined income this year from his prior job as a financial advisor and his business.

The perks can come with more responsibilities

Corritta Lewis first earned a six-figure income in 2018 and said her salary has doubled over the past few years. In 2023, she earned roughly $280,000 across her consulting job and a travel blog she runs on the side.

The 35-year-old, who's based in Orlando, told BI the extra income has allowed her and her wife to travel the world, plan for early retirement, and save for their son's future.

"We both graduated with crushing student loan debt that delayed our lives, so we want to ensure he is not in that situation," she said.

However, there is a significant downside to her higher income: "lack of time," Lewis said. Rising up the pay ladder has required her to sometimes put in long hours. The end of the year tends to be a particularly busy time — she said she's recently been working between 50 and 60 hours a week.

"I do not have as much free time to spend with my family," she said, adding, "I am trading my time today to reach a specific retirement goal."

She said she hopes to be able to pivot to part-time work in a few years after growing her savings further.

Similarly, for John, a millennial based in California, making more money has come with additional responsibilities.

He first earned a six-figure income in 2018 working in the IT sector and is on track to earn roughly $250,000 this year across a full-time and part-time job, both of which are remote.

John said one of the biggest impacts of his six-figure income is that he's been able to help out his family financially.

"I pay for my mom's rent and for the majority of my sister's medical expenses," said John. His identity is known to BI, but he asked to use a pseudonym due to fears of professional repercussions.

Even with these additional expenses, John said he has enough money for himself and worries less about his finances than he did earlier in his life.

"I could afford a decent quality of life without having to look at the prices of things, he said. "Given that I don't have a college degree, this was very freeing for me."

Are you making over $100,000 a year? Are you willing to share your story and the impact this income has had on your life? If so, contact this reporter at [email protected].

• Whalar Group cofounder Neil Waller shared his top predictions for the creator economy in 2025.
• He expects an increase in AI tools and more creators developing content calendars.
• Read his seven top creator-industry trends for 2025 below.

In 2024, a string of trends in the creator economy emerged or accelerated, from creator-led tours to buzz around artificial intelligence. But what will happen next year?

Neil Waller, cofounder of the creator-marketing agency Whalar Group, shared his top predictions for the creator economy in 2025 with Business Insider — from a continued rise of generative AI tools to audio.

Whalar Group runs a venture studio and a physical campus for creators. It also has a talent-management arm that helps clients grow their businesses and land brand partnerships.

Read Waller's seven predictions for 2025 below:

1. More creators will plan out their content calendars.

   From video themes to episodic content, Waller expects more creators to have planned content next year.

   "This can allow them to hire people around achieving those goals as well," Waller said. "Just more planning, and more content from creators that's thoughtfully stitched together."

2. An increase in talent managers.

   Waller said he thinks there will be an increase in the number of creator talent managers, both from external agencies and those hired directly by creators for their teams. (Whalar runs a talent-management firm for creators on YouTube, Instagram, and TikTok.)

   "The amount of managers that are in this industry now supporting creators has grown dramatically," he said. "I think we'll see far more creators have managers, and far more people get into the management space, which I think is a really good thing when done well because it helps professionalize the space, and provide creators with more time to work on what they want to do, which is create and build communities."

3. Platforms will lean more into generative AI tools.

   Waller said he believes there will be a larger wave of creators adopting generative AI tools into their workflows.

   "They've been experimenting already," Waller said. "I think just with the rate of understanding and the rate of new technologies coming, we're going to see an adoption of all sorts of different tools, not just chatbots, but help with editing, thumbnails, and animation."

   Aside from platforms like YouTube and Instagram integrating AI, Waller also mentioned several startups used by creators to help with workflow, like the captions tool Zeemo and the writing assistant Claude.

4. More creators will monetize their online communities through courses.

   "Creating a physical product is quite a heavy lift," Waller said. "But I think creators are in an interesting place to take their skills and teach online courses. There are a lot of interesting niches that I think could do this."

   Waller said tools and startups helping creators build courses or online products — from Mighty Networks to Kajabi — have made it easier for creators to start.

5. The creator economy will continue to professionalize and gain a new level of respect.

   Working in the creator economy has gained acceptance as a real (and aspirational) profession.

   "I see more and more educational creators teaching science, pottery, magic, finance, art, and we're just seeing lots of these interesting niches by professionals who are good storytellers and creators themselves," Waller said.

6. Audio is going to have another giant leap forward.

   "I think audio is going to have another big moment of growth next year," Waller said. "And I think it will be driven by AI toolsets where the AI technologies are going to dub a translation of the content in your own voice."

   Waller predicts that more accessible AI-powered tools will be available to change the movement of the creator's mouth to look as if they are speaking the dubbed language.

7. A new wave of athletes, politicians, musicians, and entrepreneurs will become creators.

   "Just look at the Kelce brothers," Waller said about athletes Travis and Jason Kelce and the success of their podcast. "We've already seen those moves start. But I think that group of professionals are going to massively enter into the creative space."

• In 2022, Melissa Petro's family skipped holiday stress for a meaningful trip to Sri Lanka instead.
• The trip was a celebration after she sold a book proposal and they met up with family members there.
• Staying in an Airbnb with hired help enhanced her experience and allowed for true relaxation.

From Elf on the Shelf to cookie swaps, matching pajama sets, ugly sweater office parties, and countless other traditions, the holidays can be the most wonderful — and exhausting — time of the year.

After I sold a book proposal in November 2022, I had no interest in putting up a tree or wasting money on toys my kids didn't need while battling a seemingly endless parade of wintertime illnesses.

Instead, I wanted to celebrate the win and spend meaningful time with my family before having to focus on writing. My husband and I decided to skip the seasonal stress of gifting and spend the money instead on a trip of our lifetime.

We chose a location that was special to us

My husband is part Sri Lankan, and his brother owns a hotel on the island's southernmost tip. Planning an epic trip to Unawatuna, Sri Lanka, made a lot of sense. Because a flight to Sri Lanka from New York takes around 19 hours, we wanted to go for a significant amount of time. All four of our flights cost around $4,000 in total.

Whenever we travel, I prepare my kids by looking at pictures and discussing what we'll see and do. At three and five years old, they were too young to notice that we were skipping most kids' favorite holiday.

Getting there was part of the adventure

Taking a monthlong midwinter trip will probably require that you pull your kid out of school. Molly was still in day care, and Oscar's kindergarten attendance is always good, so missing two weeks of classes wasn't a problem. At this time both kids were too young to be seriously invested in participating in the typical end-of-season pageants and fairs.

For the flight, I packed a bag of snacks and another bag of activities like coloring, puzzle books, and playdough — anything that'll strike them as novel when boredom hits. I space out meals, movies, and activities.

We were unsure how our children would manage a long-haul flight, so we opted for an overnight layover in Abu Dhabi. It was the middle of the night when we arrived in the Middle East, but due to the time difference and having slept on the plane, everyone was wide awake.

The hotel we booked had a 24-hour waterpark, so we went for a moonlit swim. The next morning, everyone slept in, and we had enough time to shop at a nearby mall before the next six-hour flight.

I thought having hired help would feel weird, but it was wonderful

We had the option to stay with family in a more remote area but chose to rent a two-bedroom Airbnb instead. We wanted to be closer to the beach and have space versus spending the entire trip with relatives. A monthlong stay cost just $1,650 — less than it would've cost to stay in a typical hotel. The property exceeded my expectations.

The house was traditional, with whitewashed cement walls, a thatched roof of woven palm fronds, and polished cement floors. It was surrounded by a walled-in garden with mango trees, coconut palms, colorful flowers, and cement urns holding rainwater occupied by tiny fish.

The property had a private butler who cleaned daily and cared for the garden. Breakfast every morning was included, and he cooked traditional Sri Lankan dinner whenever requested for an extra fee.

I worried that having an unfamiliar adult in our intimate space might feel awkward, but it didn't. He did our laundry by hand, and I appreciated that the house was clean when we returned from a day out. He was sensitive to our privacy and extremely patient with the children — and having his help meant that I actually got a vacation.

Instead of forced traditions, we enjoyed much-needed family time

We spent the last weeks of the year together on the beach instead of visiting Santa and last-minute shopping. We swam in the ocean, made sandcastles, and ate authentic seafood curries poolside at various local resorts. We visited a local street dog rescue and a sea turtle sanctuary.

The temperature in Unawatuna in December is between 75 and 86 degrees, so there's no hope for snow — and no disappointment when it doesn't happen. There's no driving through inclement weather, no seasonal spirit days at your kid's day care, and no Secret Santa gifts to buy or toss.

There were occasional reminders of the holiday — twinkle lights on a palm tree or a Christmas carol playing in the background, mostly for tourists' sake — but there isn't the gross display of consumerism that's ubiquitous in the West.

Santa didn't skip my kids entirely

My husband and I felt a little guilty skipping Christmas entirely, so on Christmas Eve, we cut down a branch from the rubber tree out back and ran to the dollar store to buy a few ornaments and some inexpensive trinkets for them to open in the morning.

Considering many families spend thousands of dollars each year on decorations, gifts, meals, and other holiday-related expenses, and then another couple thousand for an annual vacation, rolling it all into one expense made sense for us.

With a minuscule percentage of my typical effort, the kids were just as pleased. As they played with their new toys in the garden, they marveled at how Santa found us all the way in Sri Lanka.

• A recent documentary reveals what it's like to live in a home famous from a movie or TV show.
• Owners of the properties in "Home Alone" and "Halloween" have welcomed hordes of fans paying homage.
• Residents of the "Breaking Bad" house, meanwhile, put up iron fences and yelled at visitors.

Celebrity homes regularly make splashy headlines for their private beaches, basement bowling alleys, and dedicated trophy rooms.

But when the house itself is a celebrity, it can be a blessing or a curse.

In a new documentary, "The House From…", director Tommy Avallone takes viewers inside the iconic homes made famous from movies, including "Home Alone" and "American Pie," and television shows, including "Full House" and "Breaking Bad."

Some residents embrace the quirks of living in a fan-favorite home, where visitors might take photos outside, recite famous lines out loud, or even gather once in a while for a convention — like devotees of "Back to the Future" did in 2015 for the film's 30th anniversary. Other homeowners, however, take steps to keep die-hards at bay, from adding fences to charging for pictures.

Some movie-house owners embrace fans on 'pilgrimages'

In 2012, real-estate agent Marissa Hopkins listed the Winnetka, Illinois, home that Kevin McAllister bravely defended in the 1990 classic "Home Alone."

Hopkins said in the documentary that the spotlight can sometimes make famous homes even harder to sell.

"People want to come see the house when they're in town, or they actually make it a pilgrimage," she added.

John Abendshien, whose family owned the "Home Alone" house from 1988 to 2012, said that people started coming to gawk at the property within a year of the film's release in 1990 — but his family welcomed the looky-loos.

"It was a fun, positive experience," Abendshien said. "Why not share it with others?"

Fans of the 1978 classic horror film "Halloween" love to recreate an iconic image of Jamie Lee Curtis sitting on the front stoop of the film's main house with a giant pumpkin.

For years, Bianca Richards — the real-life owner of the South Pasadena, California, property — has not only welcomed fans, but made frequent trips to Michael's to make sure there are photogenic pumpkins on hand for their social-media shoots.

"I take my job very seriously," Richards said in the documentary.

Richards relishes the strangers who arrive at her front steps on any given day, accepting fan mail and action figures that people have sent over the years. She even keeps a scrapbook of thank-you notes "Halloween" buffs have sent her.

"I want people to have a good time," Richards said. "I just thought, 'I'm going to embrace this.'"

Other residents of main-character homes would rather fans stay far, far away

Some denizens of famous movie homes have gone to extremes to ward off fans.

The owners of the Oregon property used to film "The Goonies" have covered their home in a tarp to ward off photo-seekers.

It's a different story in Albuquerque, New Mexico, where the residents of Walter White's home in "Breaking Bad" have a fiery relationship with the TV show's devotees.

Comedian Luke Mones, who visited the home in 2018, described how his pilgrimage turned hostile in the documentary. The owner, who was sitting outside in a lawn chair, started yelling at him when he approached the home, Mones said.

"'The show ended eight years ago. Get a life!'" Mones recalled the owner yelling at him.

The current owner has added iron fences, yellow caution tape, and an army of "Keep Out" and "Private Property" signs to deter visitors.

"The owner is horrible. Screaming obscenities at my young kids," one person wrote in a May 2024 TripAdvisor review for the home. "Rude lady! Needs to sell if she doesn't like the publicity!" another visitor wrote in April 2024.

The apathy to visitors might be understandable: Some "Breaking Bad" fans, recreating a beloved scene from the series, have been known to lob pizzas at the front door.

• Netflix is facing its latest live-stream test: two Christmas Day NFL games and a Beyoncé show.
• A Mike Tyson-Jake Paul fight streamed live on Netflix was beset by technical difficulties.
• Netflix said it's applying learning from that unprecedented stream to avoid a repeat.

Netflix is hoping its latest live event won't break the internet.

The streaming giant will again test its technical limits when it streams two NFL games on Christmas Day — the first fruits of its three-season deal. (Netflix reportedly paid $150 million to air this year's two Christmas matchups, with additional games set for the 2025 and 2026 holiday seasons.)

And to raise the stakes even higher: Beyoncé will perform at the halftime show during the second game.

As Netflix's live spectacles grow in stature, so has the attention grown on any technical difficulties. Netflix told Business Insider it has learned from past issues.

Last month, a boxing match between Jake Paul and Mike Tyson was marred by buffering, poor image quality, and audio problems for certain viewers. Around 90,000 issues were reported on Downdetector at the time.

That wasn't the first time Netflix frustrated viewers with technical challenges. Last year, a live "Love Is Blind" reunion was delayed and ultimately filmed to air later.

The Wall Street Journal reported that issues during the Tyson-Paul fight arose because Netflix greatly underestimated viewership — with three times as many people tuning in as had been expected. This overwhelmed Netflix's systems and also left internet service providers unprepared, the Journal reported.

The Tyson-Paul fight was a record-breaking event, Netflix said, drawing over 65 million concurrent viewers globally.

"We were stressing our own technology, we were pushing every ISP in the world right to the limits of their own capacity, we were stressing the limits of the internet itself," co-CEO Ted Sarandos said at a conference earlier this month.

The company told Business Insider it worked quickly to stabilize issues for the majority of its members after problems arose during the Tyson-Paul stream. It said it's now applying lessons learned about its main pressure points as it looks to the NFL streams, including adjusting its content delivery, encoding, and streaming protocols.

Netflix is estimating the football games could attract 35 million concurrent viewers, the Journal reported, but is preparing for an audience in line with the boxing event.

Live programming is a prime target for advertisers because it draws especially engaged viewers. As Netflix has sought to build out its advertising business, it has signed costly content deals, including a $5 billion, 10-year deal for WWE programming and a pact with FIFA to air the next two Women's World Cup tournaments in 2027 and 2031 exclusively in the US.

The Tyson-Paul stream did not feature any ad breaks, though there were logo placements and in-broadcast integrations, Netflix previously told BI. The NFL games will be the first time Netflix has commercial breaks built into a stream, according to the Journal.

Inventory for both games is sold out, Netflix announced in November, with sponsors including the likes of FanDuel and Verizon.

And the day has been programmed like a full-fledged spectacle. Mariah Carey is set to kick off the broadcast, performing her Christmas staple "All I Want For Christmas Is You" — though it will be pre-recorded.

The Kansas City Chiefs are set to face off against the Steelers in the first game in Pittsburgh, beginning at 1 p.m. Eastern Time. Then, the Houston Texans are set to battle the Baltimore Ravens, beginning at 4:30 p.m. Eastern. Beyoncé Knowles is scheduled to perform at halftime during the second matchup — in her native Houston.

Netflix launched its ad-supported subscription tier two years ago and has amassed 70 million subscribers. The company has predicted advertising could eventually make up 10% of its revenues.

• Starting next fall, you'll be able to watch ESPN without paying for other cable channels.
• ESPN hasn't said how much its new streaming service will cost. Analysts think it might go for about $25 a month.
• ESPN isn't sure how many takers the new service will have. It's hoping a new ad campaign will prime the pump.

If you pay attention to the media business, you know that ESPN is going to cut the cord next year. Disney's sports channel is finally going to offer TV viewers a chance to subscribe to ESPN as a stand-alone streaming service, like Netflix or Max.

But ESPN needs to reach a much bigger audience than people who pay attention to the media business if this thing is going to work.

So here's a new ad that's supposed to "set the stage for ESPN's upcoming chapter," per the company's press release. It's going to start airing on Christmas.

This one isn't for me. But I'm not a professional ad critic. And lots of times, the ad campaigns that ad critics swoon over don't really move the needle, so who knows?

But I am old, and I remember the 1990s, when ESPN's SportsCenter was the center of the sports universe. And the winking, mockumentary spots it ran all the time made you feel like you weren't wasting your time watching sports. Sports were fun, but also funny, and you were in on the joke, too.

Anyway. Things are different now. Let's look ahead to the future. Specifically next fall, when what ESPN refers to as "Flagship" is supposed to launch. (This is different than the ESPN+ service it already sells, which shows you stuff that's not on ESPN; Flagship will be a streamed version of all the stuff that's on "real" ESPN.) How much will it cost, and how many people will sign up?

The company has yet to reveal pricing, or audience projections, so outside estimates can vary wildly.

MoffettNathanson analyst Rob Fishman thinks ESPN will sell Flagship for about $25 a month, and projects modest pickup at first: 1 million paid subscribers by the end of 2026, 1.5 million in 2027, and 3 million by 2030.

Wells Fargo analyst Steven Cahall is way more bullish. He thinks ESPN will sell Flagship for $23 a month, and projects 12 million subscribers in 2027, and 17 million by 2030.

That big spread reflects the uncertainty I've heard coming from Disney and ESPN insiders themselves. They simply don't know how many people will want to pay for a service that gives them a lot of sports, but not all the sports on TV. And they also don't know if the people who do pay are going to be cable TV subscribers who are trading down from a big bundle of channels — or if they will be cord-cutters/cord-nevers who aren't paying for cable in the first place.

That uncertainty was part of the rationale for ESPN's participation in Venu, the "Hulu for sports" streaming service that was going to cost $43 a month, and would include ESPN and other Disney channels like ABC, as well as sports and non-sports programming from Fox and Warner Bros. Discovery. The thinking/hope was that between traditional TV, the stand-alone streamer, and the joint venture, ESPN would end up capturing whatever audience wanted to pay for sports, no matter how they wanted to pay for it.

Venu was supposed to have launched already, but has been held up by an antitrust legal challenge; a trial is supposed to get underway in early January. So if Disney and its partners win, ESPN could find itself launching two different streamers next year.

• Some overemployed Americans have secretly worked multiple remote jobs to increase their incomes.
• They've used the money to travel, save for retirement, buy cars, and pay off student debt.
• Many said job juggling was worth it despite the long hours and risk of professional repercussions.

Some Americans have increased their incomes by secretly working multiple remote jobs, and they're using the money to splurge or improve their financial futures.

In 2021, Robert was making roughly $180,000 a year from his tech job. When his workflow started to slow, he feared he could be laid off and found a job that paid $190,000 annually. He kept both remote roles, and in 2023, Robert earned more than $300,000 across the two.

Robert, a Gen Xer in Florida, said the extra income enabled him and his partner to take a roughly $20,000 cruise and spend another $10,000 on trips to Yellowstone, the Galápagos Islands, and Las Vegas, among other places.

"We spend a lot on travel because life is more about experiences and memories than material things," Robert previously told Business Insider. His identity is known to BI, but he asked to use a pseudonym because of his fear of professional repercussions.

Robert is among the "overemployed" Americans who have secretly worked multiple remote jobs to boost their incomes. Over the past year, BI has interviewed more than two dozen job jugglers who've used the extra money to pay off debt, save for retirement, and afford expensive weight-loss drugs.

To be sure, while some employers may be OK with their workers having a second job, doing so without company approval could have professional repercussions. Additionally, job juggling can lead to burnout, and the ethics of doing it in secret are up for debate.

But many current and former overemployed individuals told BI that the financial benefits were worth it, and some have used the money to build additional income streams. BI has verified their earnings, and their identities are known, but they asked to use pseudonyms because of their fear of professional repercussions.

Overemployed workers set up new earnings opportunities

Patrick, an account manager, earned about $200,000 last year secretly working two full-time remote jobs and doing some freelance work.

He used the extra income to pay off debts and make home improvements. It also allowed his wife to trade her full-time job for a part-time gig so she could spend more time with their child.

"I'm a new father, and my goal is financial freedom," Patrick, who's in his 30s and lives in California, previously told BI.

Some overemployed workers have tried to turn their extra earnings into additional income streams.

In 2023, Luke made about $225,000 across multiple remote jobs. The e-commerce professional said he used the extra income to make a down payment on a truck and start an Airbnb. He said he didn't want to become reliant on the extra income.

"I went into it saying that I was not going to use the money as spending money," Luke, who's in his 30s and lives in the South, previously told BI. "I was basically going to treat the money like it wasn't there unless it was something that I needed to buy that was big."

Over the past few years, Charles, a consumer-product professional in his 30s, earned between $100,000 and $300,000 annually by working multiple remote roles. His income fluctuated as he bounced between different jobs.

He said boosting his earnings made it possible for him to make home improvements, buy a rental property, and purchase a new car.

Some job jugglers have padded their savings or paid down debt

Some overemployed workers haven't splurged much and have instead used the money to shore up their finances.

Adam, who's in his early 40s, had roughly $118,000 in student-loan debt as of January 2023. The security-risk professional said juggling two remote roles and doubling his income to more than $170,000 had allowed him to significantly reduce his debt burden.

"I'm expecting to have all my student loans paid off before Christmas," Adam, who lives in Arizona, previously told BI. In November, Adam said he was still on track to meet this goal.

Adam said he also used his extra money to build a four-month emergency savings fund and help out a few friends financially.

In 2021, Phil, a software engineer in his 30s, saw his workload decline at his job. He thought the change would give him the time to juggle two remote jobs simultaneously.

Phil, who's in his 30s and lives in Texas, said his roughly $350,000 annual pay allowed him to allocate nearly $75,000 to his retirement funds last year.

"Overemployment definitely helps as far as financial security is concerned," he previously told BI.

Are you secretly working multiple remote jobs at the same time and willing to discuss details about your pay and schedule? If so, reach out to this reporter at [email protected].