• Tech employees share their salary negotiation tips, which helped boost their pay by tens of thousands of dollars.
• Their negotiation strategies include practicing pitches, using data, and leveraging multiple offers.
• Research and transparency are key in negotiating better compensation in tech roles, they said.

Sarra Bounouh has worked at consulting giant Accenture and three Big Tech companies.

But she still deals with imposter syndrome, especially when talking compensation.

"Going into a negotiation is always, at least for me, a very uncomfortable discussion," Bounouh told Business Insider. "I just want to push through and ask for what I deserve."

She and four other tech employees from Meta, Google, and Cisco shared their salary negotiation tips before joining a company or when trying to get promoted. They have used these strategies to add tens of thousands of dollars to their original offers in recent years.

Product manager at Meta

Avoid offering the first number. If you must, back it up with research, said Bounouh, a product manager who joined Meta earlier this year.

She suggested using resources like Levels.fyi or Glassdoor and selecting your role and geography to see recent offers and compensation that makes sense for that job.

"I personally don't like having detailed conversations about level and compensation from that first call with the recruiter because I want to meet the team, I want to meet the hiring manager, I want to get excited about the role," she said.

Bounouh prefers to negotiate her level and compensation once there's an offer on the table.

She said she often gets asked about salary expectations early in the process because recruiters say they want to save time for both sides.

She politely declines to share a number by telling the recruiter: "I don't have a number for your right now. I will need to do some research before getting back to you. At this stage of the process, I'm more focused on meeting the hiring manager and team."

Rehearsal is key for conversations about promotions or raises, she said.

Bounouh said she practiced her pitch for every job after Accenture and increased all three jobs' initial salary offers: Microsoft by 32%, Snap by 19%, and Meta by 37%.

Product manager at Oracle

Internal transfers between teams or offices are also an opportunity to negotiate your compensation package.

Ketaki Vaidya, who moved from Oracle's India to California office in 2022, said she approached her negotiation with an "everything under the sun is negotiable" mindset.

First, Vaidya looked at Glassdoor and talked to people who'd made the move to gather salary data. She wanted to ensure she was getting a fair offer for the US' cost of living.

"I was being given this offer for the credibility that I had built in the organization. I felt like I had an upper hand in negotiating," she said. "I was much more confident in asking for the things that I deserve — so it ended up being a very smooth transition."

After negotiating her base salary up to $80,000, she discussed other compensation components, including the timing of her next review, sign-on bonuses, relocation costs, paid leave, and remote work. She negotiated a sign-on bonus of $15,000 and a relocation allowance of $15,000, which weren't part of the initial offer.

Now, her compensation is about $130,000 annually, including stock units and bonuses.

Product manager at Cisco

When Varun Kulkarni switched from consulting to tech to work on more artificial intelligence projects, he was careful not to come off as aggressive during his pay negotiations.

Once he had offers from Cisco and others in hand in 2022, he was transparent with recruiters and mentioned other offers, without introducing his own counter number.

He asked recruiters how high they could go and what they thought about other offers.

"You want to kind of not be too pushy" he said.

His offer from Cisco already matched the market rate and what several competitors were offering, but he managed to negotiate it by 5%, bringing his total compensation to $180,000.

Product manager at Google

During his 2022 recruitment process at Google, Yung-Yu Lin used his employer at the time, PayPal, to land better offers from both companies.

He interviewed and landed jobs at several places — but their pay did not compare with Google's offer.

Lin decided to negotiate a retention package. PayPal countered with a 10% pay bump. He then renegotiated with Google.

Google offered a 20% raise on his original compensation at PayPal, which brought his offer to the $350,000 to $400,000 range as a senior product manager, including stock-based compensation.

Software engineer at Meta

Hemant Pandey, a senior software engineer at Meta, used other offers and research in his most recent job search.

After two years at Salesforce, in 2021 he applied to Meta, TikTok, LinkedIn, and two other companies. He used offers from these companies to negotiate his compensation at Meta.

"Be very transparent that you have other offers. Even if you have interviews going on, mention those, because it's also leverage," he said. It signals to the recruiter that they have to move fast and work with your parameters.

Meta's recruiters matched the base salary and restricted stock units from the highest of all offers.

Aside from being transparent, Pandey said it is important to be proactive and research how compensation works in different companies. For example, candidates should compare how stocks are refreshed, he said. A refresher is when the stock option portion of an employee's compensation is updated.

"I also negotiated my sign-on bonus and said, 'Hey, at Salesforce, I'll be leaving my $30,000 to $40,000 of annual bonus if I join you. Can you help me accommodate that?'"

Pandey was offered $520,000 in annual pay, including stock options, in that 2021 move.

"The most significant thing happened in my career when I made the move from Salesforce to Meta, which was close to almost 80 to 90% hike" in pay, Pandey said.

Do you work in tech, consulting, or finance and have a story to share about your career journey? Please reach out at [email protected].

• 2024 may not have been as big a year for television as 2023 – but there were plenty of gems.
• Series like FX's "Shōgun," Prime Video's "Fallout," and Netflix's "Baby Reindeer" cut through the noise.
• Here are the BI entertainment team's favorite television series of the year.

Amid shake-ups in the television industry, 2024 still delivered a slate of great TV series ranging from familiar continuations to ambitious debuts.

That includes series like FX's "Shōgun," an immersive adaptation that brought top Japanese talent to American screens; the Brian Jordan Alvarez comedy "English Teacher," which turns high school culture wars into comedy fodder; and hits like "Baby Reindeer," which captivated the world with a story pulled from creator Richard Gadd's life.

Here are our favorites from this year.

"Abbott Elementary" season 4

Season four of "Abbott Elementary" picks up with Janine (Quinta Brunson) and Gregory (Tyler James Williams) officially dating after their slow-burn romance played in the show's previous seasons. At the start of this season, the pair are unsuccessfully trying to keep their relationship a secret from their Abbott Elementary coworkers when they return to school.

The writing of "Abbott Elementary" remains as sharp and culturally relevant as ever, and the latest season sprinkles in new characters that keep the show fresh and exciting — from Jacob's younger brother Caleb (Tyler Perez) and an IT guy named O'Shon (Matthew Law) whom the staff have a crush on to a lovable guinea pig named Sweet Cheeks who breaks through Melissa's (Lisa Ann Walter) tough exterior. — Olivia Singh

"Arcane" season 2

Netflix and Riot Games' "Arcane" is one of the most impressive and ambitious animated works of the past decade — and while it doesn't always find its footing, the end result is still so spectacular.

The series is adapted from Riot Games' massively popular video game "League of Legends," honing in on a small cast of characters who live in Piltover, the gleaming city of progress, and Zaun, its less-than-scintillating undercity. The conflict between the two cities has reached a critical point by season two. Unfortunately for all parties, so has the evolution of Hextech, a magic-powered technology that has spiraled out of control and turned one of its developers into a misguided messiah. Oops!

Season two is nothing if not ambitious and widens its scope while leveling up its already excellent animation, courtesy of the French studio Fortiche. In the process, it loses some of the intimate character work and tight focus that made its first season truly extraordinary. Still, the second season serves as a fitting conclusion and is a harbinger of good things to come from Riot's entertainment arm. — Palmer Haasch

Read Haasch's interview with "Arcane" showrunner Christian Linke.

"Baby Reindeer"

Few shows caused as much of a stir this year as "Baby Reindeer," starring and written by comedian Richard Gadd. Netflix and the creator himself billed the series as a true story based on Gadd's real-life experience of being stalked by an older woman. Unfortunately, the show's stalker character, Martha Scott, was quickly outed as Fiona Harvey, who took legal action against the streamer.

Despite all the behind-the-scenes controversy, "Baby Reindeer" is a work of art. Gadd lays himself bare as Donny, who's loosely based on himself. He's a powerhouse in episode four, which flashes back to explain the source of Donny's trauma before meeting Martha.

It's an engrossing watch with equally powerful performances from Jessica Gunning, who plays the disturbed but deeply sad Martha, and Nava Mau, who plays Donny's girlfriend, Teri. — Caralynn Matassa

Read about the legal drama behind "Baby Reindeer.'

"The Boys," season 4

If "The Boys" is Prime Video's NSFW answer to superhero fare like the Marvel Cinematic Universe, then season four feels like the equivalent of "Avengers: Infinity War" — minus a snap from a villain that wipes out half the universe.

Season four of "The Boys" is darker than past seasons, as the characters confront deep-seated traumas. For an aging Homelander (Anthony Starr), this means grappling with the legacy he'll leave behind for his son Ryan. For his nemesis Billy Butcher (Karl Urban), it means coming to terms with his looming death and trying to prevent Ryan from succumbing to Homelander's darkness.

It's a season filled with even more gory, jaw-dropping scenes and yet another Emmy-worthy performance by Starr, particularly in Homelander's gory homecoming episode.

The endgame is nearing, with a fifth and final season of "The Boys" likely premiering in 2026. Season four ends with the perfect foundation for all hell to break loose one last time. — OS

"English Teacher"

It's astounding that it took this long for Brian Jordan Alvarez to get a series order after the release of his excellent 2016 web series "The Gay and Wondrous Life of Caleb Gallo" — but thankfully, "English Teacher" premiered this year.

The series stars Alvarez as Evan Marquez, a beleaguered but idealistic Texas high school teacher who comes under fire at work when a parent complains about him kissing his ex-boyfriend in front of the students.

While "English Teacher" embraces the thorny politics of being an American educator in 2024, it doesn't spin them into saccharine teaching moments or cheap jokes. It mines them for character threads and comedy. — PH

"Fallout"

With "Fallout," Jonathan Nolan proved that prestige-y video game adaptations weren't exclusive to HBO. Rather than directly adapting one of the multiple games in the postapocalyptic "Fallout" universe, Nolan instead leverages the style, humor, and striking visual identity of the games to show us something new.

"Fallout" stars Ella Purnell as Lucy, a naive resident who grew up in an underground bunker known as a Vault, established to protect humanity from nuclear armageddon. However, after tragedy befalls her home, she ventures to the surface, only to learn it isn't as deserted or unsurvivable as she was led to believe.

The series features stellar performances from Purnell and Walton Goggins, who spends most of the season admirably noseless. And while it's set in the grim aftermath of a nuclear apocalypse, it's also irreverently funny and endearing. — PH

Read Eammon Jacobs' review of "Fallout" and Jason Guerrasio's interview with Walton Goggins.

"Hacks" season 3

The Max original "Hacks" has only gotten better with age, and in season three, it feels like the show has hit its stride.

The show follows veteran stand-up comedian Deborah Vance, who, on the coattails of a successful comedy special, is gunning for her dream: a late-night hosting gig. After cutting her young writer, Ava Daniels, loose at the end of season two, Deborah realizes that she needs Ava — and Ava craves working with Deborah again, too.

This central relationship — and all the ways Deobrah and Ava support, encourage, and mess each other up — is constantly in flux. Season three not only succeeded in being funnier and more resonant than its predecessors but also in shifting Deborah and Ava's power dynamic into something new and a bit dangerous ahead of season four. — PH

Read Haasch's interview with "Hacks" stars Carl Clemons-Hopkins and Mark Indelicato.

"Industry" season 3

Move over, "Succession" — there's another contender for the best HBO show about horny, psychopathic capitalists. "Industry," the show about London's most dedicated and depraved bankers, finally broke through to the mainstream with its third season.

Seasons one and two delivered well-written, well-acted, character-driven drama about the highs and lows of a group of young bankers trading stocks (and spit). Still, season three upped the ante, spending more time away from the office in lavish locations, such as the English countryside, a yacht in the Mediterranean, and a Davos-like conference in Switzerland.

The change in scenery enhanced the story and deepened our understanding of the series' core group of complicated characters, most of whom have greatly evolved since we first saw them sitting and sweating at their Pierpoint desks.

All of it leads to an explosive finale that's massive in both budget and sheer plot, effectively wiping the slate clean for a now-confirmed season four. It's an appropriately daring move for a show confident in its vision. It's peak TV at its peak. — Samantha Rollins

Read Rollins' interview with "Industry" showrunners Mickey Down and Konrad Kay.

"Love Island USA" season 6

There were many (many) reality dating shows that aired in 2024. Having regrettably watched most of them, I can confirm that the latest installment of "Love Island USA" blew them all out of the water.

The franchise, which spun off of the UK edition, has the secret sauce that makes this genre sing. It's largely thanks to a format that other shows have tried — and failed — to replicate, wherein participants must constantly recouple to find true love (and win a cash prize).

Season six had a particularly explosive set of personalities among its cast, leading to some serious drama, shocking betrayals, truly memorable moments, and fan-favorite standouts, including Serena Page, Leah Kateb, and Jana Craig. — CM

"A Man on the Inside"

"A Man on the Inside" is initially presented as a spy mystery series as Charles Nieuwendyk (Ted Danson), a widower who recently lost his wife, accepts a job to go undercover in a retirement home.

That's all background noise to the main event, which follows the lives of a kooky gang of residents who find community with each other after being left behind by their loved ones.

Anyone who has seen Danson in any of his other many roles would not be surprised that he is an incredible leading man. However, the show's real strength is the supporting cast, especially Margaret Avery, Stephen McKinley Henderson, and Sally Struthers, who provide so much humor and heart that they may make you shed tears.

"A Man on the Inside" proves we really need more TV shows centered on older characters, and there's ample talent out there to make those stories worth watching. — Ayomikun Adekaiyero

Read Rollins' interview with "A Man on the Inside" creator Mike Schur.

"Mr. and Mrs. Smith"

Prime Video's "Mr. and Mrs. Smith," a reboot of Brad Pitt and Angelina Jolie's 2005 film (mostly in name only), is deeply funny, emotionally stirring, and clever.

Sure, both titles share a similar premise — a husband and wife who are both assassins — but the television series flips it on its head to create something much better.

Donald Glover and Maya Erskine play two strangers who, upon taking a new job as shady agents for a mysterious boss, are paired together as a cover story.

The 10-episode season features a laundry list of guest stars, ranging from Ron Perlman to Micaela Coel. — PH

Read Haasch's review of "Mr. and Mrs. Smith" and Jacobs' interview with guest star Ron Perlman.

"Nobody Wants This"

Rom-coms are so back.

Six years after Netflix was credited with a rom-com renaissance thanks to hits like "Set It Up" and "To All the Boys I've Loved Before," the streamer struck gold again with "Nobody Wants This," a comedy series starring Kristen Bell and Adam Brody. The show became an instant hit, proving audiences yearn for more high-quality modern rom-coms.

"Nobody Wants This," created by Erin Foster and loosely inspired by her love story, follows Noah (Brody), an attractive and newly single rabbi, and Joanne (Kristen Bell), the outspoken agnostic host of a sex podcast. Despite their different views on religion and lifestyle, they pursue a relationship.

Noah and Joanne's swoon-worthy first kiss scene went viral, people realized that Brody had been leading man material all along, and the show jumped to the No. 2 slot on the streamer's Top 10 list for English-language TV in the week of its debut. Unsurprisingly, "Nobody Wants This" will be returning for a second season, which begins filming in February. — OS

"One Day"

The second attempt at bringing David Nicholls' bestselling novel "One Day" to the screen (after a 2011 film adaptation) is a rousing success.

The novel of the same name is already beautifully tragic, relatable, and perspective-altering, but the Netflix show amplifies all these strengths with gut-punching performances from leads Leo Woodall and Ambika Mod, who play destined lovers Dexter and Emma.

With each episode set in a different year, "One Day" takes audiences on a 14-year journey as the two grow into adults and fall in love with other people and each other, but never at the right time. For romantics or young people worried about the future, this is the show to watch from 2024. — AA

"The Penguin"

Colin Farrell leads the spinoff sequel to the 2022 film "The Batman," playing the titular comic book villain Oz "Penguin" Cobb. It was fascinating how quickly it became apparent that the show had more in common with "The Sopranos" than nearly anything DC Studios has released.

Farrell utterly transforms as Cobb, the mobster clawing to the top in Gotham after the death of crime boss Carmine Falcone in "The Batman" left a power vacuum. Still, Cristin Milioti is the real standout as Sofia Falcone, Carmine's daughter and accused psychopathic serial killer, fresh out of a stay in Arkham State Hospital. — CM

Read Jacobs' interview with "The Penguin" showrunner Lauren LeFranc.

"The Secret Lives of Mormon Wives"

On its surface, "The Secret Lives of Mormon Wives" was a show greenlit solely because of a TikTok scandal where several couples in a Mormon community were implicated in an alleged swinging scandal. That premise didn't seem like it'd carry far, but turns out the swinging was possibly the least dramatic thing about these women.

After a moderately slow start, "Secret Lives" turns the dial up to 11 in episode four, a group birthday vacation where all hell breaks loose as the group of friends and frenemies start calling one another out. (Shout out to the truth box, the real MVP.)

It was hard not to root for Taylor Frankie Paul and follow her tumultuous relationship with Dakota Mortensen or to root against the deeply annoying Whitney Leavitt, who became the sleeper villain of season one. We're dying to see what becomes of MomTok when the show returns in 2025. — CM

Read Haasch's interview with Taylor Frankie Paul and Mayci Neeley.

"Shōgun"

There was no stopping "Shōgun" at the 2024 Emmys, and for good reason. Based on James Clavell's 1975 novel, the stunning historical epic focuses on an English sailor who finds himself shipwrecked in Japan and crosses paths with Lord Toranga, a powerful warlord.

With incredible performances, sweeping visuals, and mesmerizing battle sequences, it's no wonder the show set a record for the most Emmys won by a single season of television and that the creators decided to rethink their limited series plan and continue the show with second and third seasons. — CM

"The Traitors" season 2

They were the words heard 'round the reality TV-loving world: "Oh lord, not Ekin-Su."

Few shows were as memed as "The Traitors," the US iteration of the international competition series where reality stars and celebrities try to deceive one another to claim a cash prize.

Season one, which aired in 2023, was entertaining, but season two reached new heights, largely thanks to compulsively watchable characters like meme factory Phaedra Parks and "Shahs of Sunset" star MJ Javid, who gave us one of the best reaction shots of the year. — CM

Read Matassa's interview with "Big Brother" alum Dan Gheesling, who tried and failed to extend his gaming skills to "The Traitors."

"X-Men '97"

Not only did "X-Men '97" expertly capture the spirit of the original animated "X-Men" series, but it also made it feel modern and relevant to the 2020s amid some gorgeously animated action.

The performances are seamless with the original show, adding new dimensions to the Marvel Universe that fans, new and old, will appreciate.

It deserves all of the praise for easily navigating the messy Jean Grey/Madelyne Prior clone saga from the comics. Season two can't come quickly enough. — Eammon Jacobs

When Mike Kelly set up his first few Airbnbs in Fort Wayne, Indiana, in 2023, he figured it would be a successful move. It was meant to be an investment project for him and his daughter to work on together. But as more people moved away from bustling and expensive urban centers and landed in the Midwest, their hopes were quickly shattered.

The Fort Wayne housing market boomed. High demand for homes, coupled with the city's low housing stock, has kept costs relatively high — a Redfin analysis of housing data found home prices were up 9.2% in October compared with last year. The hot housing market has translated into higher property taxes, which is throwing off the short-term-rental business model. "The houses we purchased to turn into Airbnbs have been assessed so much higher than what we put into them that we almost can't afford to keep them," Kelly said. "The return on equity wouldn't be as high."

Owners of short-term rentals across the country have faced a similar reality, sharing stories of declining revenues over the past few years as the market was flooded with new rentals. AirDNA, an analytics firm that tracks the short-term-rental market, found that revenue per rental decreased by nearly 2% in 2022 and by more than 8% in 2023 due to an overabundance of units available for rent. AirDNA forecast that revenues would move back into the green in 2024 as the market corrected. But as short-term-rental owners felt signs of an "Airbnbust," some realized they needed to pivot.

On one end of the market, however, it's a different picture. While overall demand for short-term rentals rose just 1.8% in 2023, according to AirDNA's data, demand for stays priced at $1,000 or more increased by nearly 8%. For stays over $1,500, demand jumped 12.5%. In fact, demand for rentals costing over $1,000 a night has increased by 73% since 2019. While cheaper rentals are slowing down, luxury, niche, and themed stays are filling their place. Wealthy vacationers are increasingly going after luxe properties such as a secluded Malibu beach mansion or a modern cabin beset by pristine woods — like something off Cabin Porn. Meanwhile, Airbnb alternatives are jumping into the market to cater to the growing demand. A lust for luxury is propelling the short-term-rental market to new heights.

Over the past few years, more travelers have pushed back against the Airbnb model, complaining of outrageous cleaning fees, extensive cleanup requirements, and outright scams. As a result, some travelers have opted to stay in good old-fashioned hotels thanks to their consistent service.

These complaints, however, tend to focus on rentals on the low end of the market — the $200-a-night stay you might book to visit a family member or get out of town for a weekend. The luxury end of the rental market fills a different role. These spots boast plenty of hotellike amenities — such as contactless check-in, high-speed internet, bathroom toiletries, and coffee makers. Because of the high price point, luxury rentals also tend to standardize their cleaning services. Unlike a hotel room, though, a house or apartment comes with a lot more room to host guests, plus amenities such as a kitchen or private pool. When split between multiple guests for a night or weekend, some of the eye-popping price tags end up being surprisingly affordable.

Among high-income travelers, who made up an increasingly large share of vacationers this year, hotels are on the way out. Deloitte's 2024 summer-travel report found a 17-point drop in people who earn over $200,000 opting to stay at full-service hotels compared with the summer before. While middle-income travelers moved toward budget accommodations like bed and breakfasts and RV rentals, high earners shifted toward private-home rentals.

One brand capitalizing on the growing demand is Wander. Launched in 2022, Wander owns all of its 200 properties, each beautifully designed with stunning landscaping. Its founder and CEO, John Andrew Entwistle, had the idea of making a vacation rental feel like a luxury hospitality brand after a disastrous ordeal renting a cabin in Colorado. "The whole experience felt broken, the type of thing all of us has had at a vacation rental one time or another: The place didn't look like the photos. The beds were uncomfortable. The list goes on and on," he said.

He wanted a rental home with heart and soul, where the building was designed around the landscape and high-speed internet flowed across the house. Wander rentals are often in remote spots to give guests a sense of privacy and quiet. The cleaning service is standardized so guests don't have to worry about cleaning up after themselves, and customers can check in on their own through their smartphones. Every unit, which costs an average of $900 a night, also features sleek workstations for digital nomads.

Other travel brands have found similar success in the luxury market. There's Mint House, a cross between a hotel and short-term rental that has 12 properties across 10 major US cities. Visitor experiences are personalized — for instance, guests can request that the refrigerator be stocked with their favorite groceries before they arrive — and there's 24/7 customer care. The apartments, which can be studios or have multiple bedrooms, are priced similarly to hotels and feature bespoke furniture and decor, along with all the necessities of modern accommodations. To explain the brand's success, Christian Lee, the CEO of Mint House, pointed to the company's ability to provide consistent experiences. "Unlike other short-term listings that lack security and guest care and often require a guest to perform chores at checkout, all of our properties are professionally managed to ensure the utmost safety, security, and cleanliness," he said.

The luxuriousness only goes up from there. Rental Escapes, a full-service luxury-villa-rental company founded in 2012, offers over 5,000 villas in more than 70 destinations worldwide. They start at $500 a night — though most go for tens of thousands. Amase Stays, a collection of $10 million rental estates founded this year, creates bespoke experiences for its top-of-the-line properties, with dedicated concierges who can arrange everything from private chefs and spa services to customized excursions.

Chris Lema, a business coach and product strategist, is a Wander superfan. "These are places that are architecturally beautiful, and the land that they sit on feels like a national park," he said. He likes that the company provides attainable luxury — he's stayed in 13 different Wander locations and hopes to "collect them all," he said. He has even started planning trips around Wander rentals.

"I thought this is where Airbnb was going to go with its business model," he said. "If you go to Airbnb's website now, they have these different categories like 'amazing views' or 'lakefront.' But none of these rentals push forward on the issue of experience. There's the Luxe category — but it's not the same thing."

In Airbnb's Luxe category, homes might cost anywhere between $200 and hundreds of thousands of dollars a night. When the category launched in 2019, an Airbnb press release said the homes would have to pass a slate of design and experience criteria, including higher standards for cleanliness and amenities like towels and toiletries. Unlike at other Airbnb properties, a company representative has to walk through Luxe properties to verify them. Despite that, Lema hasn't been impressed.

"They seem to rank Luxe based on the niceness of the residence," Lema said, "but that isn't really the point of what that kind of experience should be."

An Airbnb spokesperson said, "We're proud to be the only travel platform that offers stays for nearly any desired travel experience." They added: "We're also proud of the growth of our Luxe category supply and look forward to expanding the offering."

So far, Wander's model is working out. It launched with only three locations, and two years later, it has 200 houses and an average occupancy rate of 80%, Entwistle said. By the beginning of 2025, Entwistle hopes to launch locations in Mexico and Canada.

Back in Fort Wayne, Kelly ended up pivoting his Airbnb business to cater to this demand for luxury. "We focus on four-bedroom-plus homes where groups can gather for weddings or reunions," he said. Houses with pools and hot tubs are especially desirable, he's found. Kelly has also amassed a thriving collection of themed Airbnbs. He designed one house to look like the childhood home of the fictional character Fawn Liebowitz from the cult classic film "Animal House." He's working on another rental themed around Indiana University sports teams.

"At the end of the day, the 'luxury' houses are more affordable than staying in multiple hotel rooms," he said. Plus, offering something unique, like a theme, helps homes stand out from the crowd. With the new focus, Kelly's Airbnbs are rarely empty, he said.

Part of the shifting demand stems from people viewing luxury rentals as a destination unto themselves — if the place you're staying is cool enough, you don't need to get out much. Others are drawn to them as a means to get away from the hubbub. "In today's globalized world, travel destinations have become more and more homogenous and tourist-burdened," Spencer Bailey, the editor of the new book "Design: The Leading Hotels of the World," said. "People are seeking out distinctive experiences away from the crowds and searching for a certain sense of intimacy, craft, and care." It's not just about top-rate service, intricate design, or even a Michelin-starred restaurant. "It's about being in nature, engaging in local culture, and creating discrete, felt experiences that encourage quietness and slowness, not an Instagram moment," Bailey says.

A private rental is often more secluded, meaning travelers can prioritize spending more time alone with their loved ones. "Travelers are increasingly wising up to the fact that time — and where, how, and with whom you spend it — is the greatest luxury," he said. Michelle Steinhardt, the founder of the luxury travel blog The Trav Nav, wrote about her recent stay at a secluded beachfront property rental in Punta Mita, Mexico: "Even though we were only a few minutes from the local town, our party felt like everyone else was miles away."

Increasingly, getting away from home isn't enough. We also want to get away from other people. For those who can afford it — or have enough friends — luxury-travel companies are more than happy to accommodate.

Michelle Mastro covers lifestyle, travel, architecture, and culture.

On a cold and rainy night in November, over 2,000 people trekked to a nondescript arena on Long Island for some Christmas cheer.

They were there for the Great American Family Christmas Festival, an event put on by the cable TV network of the same name. For five weekends, the festival transformed the UBS Arena into a holiday wonderland complete with ice skating, fire pits, igloos, $20 spiked cider, and obviously, Santa.

But the main draw on opening night was an appearance from former "Full House" star and current GAF mainstay Candace Cameron Bure, who was on hand to light the Christmas tree and greet her fans, who paid anywhere from $15 to $249 for the experience.

"It's not about standing in line to get an autograph from a celebrity. We're just there to enhance the family experience," Bure told Business Insider over the phone in December. "It's really a place to come with your family and friends and feel like you're in a little Christmas movie."

She would know. With over 15 holiday movies to her name across Hallmark and GAF and a role as chief creative officer at GAF's parent company Great American Media, Bure has built her second act at the center of the Christmas movie industrial complex. After years of laying the groundwork, business is booming: Variety reported in 2022 that Bure was making around $1 million a year for her exclusive Hallmark deal before she joined ex-Hallmark boss Bill Abbott's relaunch of Great American Family that year for a sum reported to be "nearly double that."

Bure got in on the ground floor of what was once a cottage industry, providing a blueprint for other actors looking to reinvigorate their careers and make some relatively fast money while spreading holiday cheer. Others have followed suit: "Mean Girls" star Lacey Chabert has spent more than a decade building her career as one of Hallmark's — and now Netflix's — leading holiday ladies; erstwhile teen heartthrob Chad Michael Murray likes working on Christmas movies for their relative stability while raising a family; Lindsay Lohan returned to acting with her first major film role in years in the 2022 Netflix Christmas movie "Falling for Christmas" (she followed it up with another one, "Our Little Secret," in 2024).

In an industry that's constantly in flux, the holiday movie's heartwarming tried-and-true formula can be as comforting to actors looking for steady work as it is to audiences watching at home on their couches. Christmas comes every year, after all.

Candace Cameron Bure set the blueprint as one of the original queens of Christmas

Bure's reign as the queen of Christmas started more than a decade after the end of "Full House" with the 2008 Hallmark Christmas movie "Moonlight and Mistletoe." At the time, Bure wasn't thinking about being the queen of anything — she was just grateful for a job.

After taking a self-imposed hiatus from Hollywood to have children and build a family — she called it her "10-year retirement" — holiday movies provided Bure a relatively gentle runway back into the working world.

As far as jobs in Hollywood go, acting in a Christmas movie is a fairly predictable and stable gig: The typical made-for-TV holiday movie has a 15-day shoot that takes place over three weeks. While the days are long, it's still far less of a time commitment than a feature film, which can shoot for several months, or a multi-cam sitcom like "Full House," which had Bure rehearsing an entire week before filming a single 30-minute episode in front of a live audience.

Bure's timing was also auspicious: It was the start of Hallmark's golden era, when Abbott, then the head of Hallmark's parent company Crown Media, would go on to launch the network's genre-defining Countdown to Christmas campaign. By Bure's fourth or fifth Christmas movie, she realized it would be wise to refocus her career around her newfound holiday niche.

"Realizing that the numbers were successful, the viewership's successful, and it was a growing genre was like, 'OK, this is a great little pocket to stay in,'" Bure told BI.

Since then, Bure has starred in dozens more Hallmark movies, including more than 10 Christmas titles, before leaving the network to join Abbott at GAF in 2022, where's she starring in and producing films under her Candy Rock Entertainment banner.

Though Bure wouldn't share numbers with BI, she acknowledged that she's "very, very pleased" with how her pay has grown since her "Moonlight and Mistletoe" days.

"It's 15 years of work in the genre," she said, "and just like anyone's salary and their value, it goes up."

Pay for actors is solid — and there's plenty of opportunity

Even for actors who didn't get in on the ground floor like Bure, a pivot to Christmasland can be a smart career move. The entertainment industry, ever an unstable business, is in a particularly volatile era due to the 2023 Hollywood strikes, which won some benefits and protections for actors and writers but also led to declining production, resulting in fewer jobs and budget cuts.

Yet the market for original holiday movies is only growing. Lisa Hamilton Daly, the executive vice president of programming at Hallmark Media, said in an email statement to BI that 2024 was the company's biggest holiday season yet, with over 40 new movies debuting across its two networks and streaming service. It's a significant increase since Countdown to Christmas officially launched in 2009 with only four movies on the Hallmark Channel.

It's not just Hallmark, either. More networks and streamers are hopping on the holiday bandwagon than ever before. Abbott, the former Hallmark executive who now heads Great American Family, called the rapid growth in the space remarkable. "Everybody's seeing what we were involved with early on and now the appetite for the viewer to experience Christmas in an entertainment way is almost insatiable," he said.

For actors, appearing in a Christmas movie can provide "an element of financial security," said Jennifer Goldhar, the owner of Characters Talent Agency. Goldhar's company is based in Canada, where many Christmas movies are filmed, and many working Canadian actors make them their day-to-day livelihoods. She said a conservative midrange estimate for a holiday movie lead's salary — not a tentpole figure like Bure or Lacey Chabert, who command a lot more — is $150,000. Not exactly a blockbuster star-level payday, but still a solid payout for what's usually only a three-week commitment.

Sarah Ramos, an actor who has starred in Hallmark's "A Kismet Christmas" and "Christmas in Notting Hill," agrees the pay isn't too shabby for 15 days of work: "If you're getting a chunk of change and you're going to have fun, maybe travel somewhere too, that's not a bad deal."

Christmas movie sets are a 'well-oiled machine,' and the mood is usually light

Working in a Christmas wonderland can also do wonders for your mental health. Chad Michael Murray, who most recently starred in Netflix's stripper-hunk Christmas movie "The Merry Gentlemen," told BI that he likes working on holiday movies because there's less risk of encountering heavy subject matter that will bleed over into his personal life.

He recalled his experience shooting the 2016 Western "Outlaws and Angels," after which Murray said it took him a month to emotionally release himself from the character. He doesn't want to go through that again anytime soon.

"At this point in my life where I am, I got three young kids, this is what speaks to me. I love going home and being able to bring light to the situation," Murray said.

Podcaster Danny Pellegrino, who wrote and starred in his first Hallmark movie, 2024's "Deck the Walls," said his experience on set was surprisingly pleasant.

"You hear stories about being on movie sets, and so I was looking around thinking, 'Who's going to be dramatic? Where's the trouble going to be?' But everything was so smooth," Pellegrino said. "Everything is just a well-oiled machine."

Christmas movies have a cheesy reputation, but it probably won't damage yours

Though starring in a Christmas movie will never have the gravitas of a Scorsese movie, it's no longer taboo to say you enjoy holiday movies or want to be in one. Even Anne Hathaway is "desperate" to make a great Christmas movie, calling it her "weird bucket list thing" — and she already crossed "get an Oscar" off that same list.

Goldhar credits major streamers like Netflix entering the game with improving the genre's esteem. "That ups the game a little bit for people, and they see it differently," she said.

Of course, there's still a risk of typecasting where "somebody may seem more of a Hallmark type and so they don't get cast in mainstream television," Goldhar said. But that's less of an issue for already established actors with an extensive body of work — former teen heartthrobs like Murray, or "Beverly Hills 90210" star Jason Priestley, for example.

Ramos, who's best known for starring as Haddie Braverman on the 2010s NBC drama "Parenthood," admitted that when she was first approached for a Hallmark movie, she was hesitant.

"My first instinct was snobby, and I was like, no, I'm not going to do this. This is embarrassing. These aren't real movies, they're TV movies," Ramos said. She stressed over whether creators she wanted to work with would turn their noses up upon hearing she'd been in a Hallmark movie.

"Then I kind of realized, I don't know what good me trying to impress ['The White Lotus' creator] Mike White or whatever quote-unquote legitimate directors is doing for me," she said. "They kind of still weren't hiring me."

In fact, the opposite happened. Christopher Storer, the creator of FX's hit series "The Bear," was one of the people encouraging Ramos to do the Hallmark movie when she put it to a poll vote on her Instagram.

"He was like, 'I really want to learn how to make these,' and was basically like, 'Go for it,'" Ramos recalled.

Then he hired her for a recurring role on "The Bear."

• 2024 was full of great movies.
• Big spectacles like "Wicked" and "Dune: Part Two" captured viewers' and critics' attention.
• Smaller dramas like "Civil War" and "The Substance" also packed a punch and prompted discourse online.

Giant sandworms! Singing witches! Horny tennis players! The best movies of 2024 offered a wide array of cinematic pleasures — and a double dose of Zendaya.

Below are Business Insider's best movies of 2024. Scroll to the end to see entertainment correspondent Jason Guerrasio and senior editor Caralynn Matassa's personal top five movies of the year.

"A Complete Unknown"

Almost twenty years after director James Mangold gave us the Johnny Cash biopic "Walk the Line," he's returned to the space with a look at Bob Dylan's transition from acoustic to electric.

As much as the music will dazzle Dylan fans, it's the acting that's the highlight. Timothée Chalamet delivers one of the best performances burgeoning career, getting Dylan's voice and mannerisms down perfectly. — Jason Guerrasio

"A Different Man"

Sebastian Stan gives one of two standout performances this year in "A Different Man." The surreal, twisty psychological thriller follows Stan as Edward, an introverted, struggling actor with neurofibromatosis (a disorder causing facial differences) who is cured through an experimental procedure. Reinventing himself as "Guy" doesn't quite give him the dream life he'd hoped for, though.

The darkly comic film from writer-director Aaron Schimberg also features great supporting performances from Renate Reinsve (who had her breakthrough in 2021's "The Worst Person in the World") and Adam Pearson as Oswald, a confident and charismatic man who also has neurofibromatosis. — Caralynn Matassa

"Alien: Romulus"

For this latest trek back into the sci-fi world of "Alien," director Fede Álvarez takes full advantage of the IP by weaving a story that touches on the original movie and the world of "Prometheus." The result is a thrill ride that will satisfy fans of the franchise and scare the hell out of the newbies who have never seen an "Alien" movie. — JG

"Anora"

Sean Baker made a name for himself as one of the most acclaimed independent filmmakers, and for good reason. He excels at slice-of-life movies (2017's "The Florida Project" and 2021's criminally underrated "Red Rocket") that spotlight marginalized communities.

His latest, "Anora," centers on the titular sex worker played by "Scream 5" standout Mikey Madison. The film landed the Palme d'Or, the Cannes Film Festival's highest honor, thanks to Madison's subtly powerful performance and Baker's propulsive script. — CM

"The Apprentice"

It shouldn't come as a shock that the most polarizing movie of the year was one about Donald Trump's rise to power as a New York City real estate tycoon.

But take away your political views and opinions on Trump (which, I know, is hard), and this movie from director Ali Abbasi is a fascinating exploration of how those with power and influence move through the world.

And then there are the performances by Sebastian Stan as Trump and Jeremy Strong as Trump's fixer and mentor Roy Cohn, both of which should be recognized during award season. — JG

"Babygirl"

Nicole Kidman gives one of the best and boldest performances of her decadeslong career in "Babygirl." The erotic thriller, written and directed by "Bodies Bodies Bodies" filmmaker Halina Reijn, puts the female gaze on a distinctly male, often-problematic genre, tackling female sexuality, gender, and power dynamics as Kidman's Romy Mathis, a high-powered CEO, pursues a secret affair with her intern (Harris Dickinson). — CM

"Beverly Hills Cop: Axel F"

I wasn't expecting a "Beverly Hills Cop" sequel made on Netflix to give me some of the biggest laugh-out-loud moments this year, but that's exactly what happened.

Director Mark Molloy certainly understood the assignment: lean in to what made the first two movies so beloved (let's not talk about the third one).

Focusing on Eddie Murphy's jokes, big action sequences, and that memorable soundtrack, the fourth movie in the franchise became one of the surprise delights at the movies this year. — JG

"The Brutalist"

One of the boldest epics made in some time, this three-and-a-half-hour drama shot on VistaVision is an exquisite exploration of one immigrant's drive for the American Dream in post-World War II America.

Directed and co-written by Brady Corbet ("Vox Lux"), "The Brutalist" follows fictional character László Tóth (Adrien Brody), a Hungarian-born Jew who survives the Holocaust and emigrates to the US in the late 1940s. Over three decades, Tóth, a talented architect, struggles to make a living and get his wife (Felicity Jones) to the States. Then a wealthy man (Guy Pearce) changes his life.

With masterful production design, photography, score, and performances, this is a movie that will stay with you long after you've seen it. — JG

“Challengers”

Zendaya dazzles in Luca Guadagnino's sporty, steamy drama.

As a former tennis great thrust into a love triangle with two other players, her now-husband Art (Mike Faist) and her ex-boyfriend Patrick (Josh O'Connor), Zendaya delivers one of the most layered performances of her career as she navigates love, lust, and mind games. — JG

“Civil War”

Alex Garland's latest showcases a United States that has been ravaged by civil unrest.

Kirsten Dunst is magnificent as a hardened war journalist in an existential crisis who travels from New York City to Washington, D.C. to cover the story. The war scenes are brutal and devastating, but that's the point. — JG

"Conclave"

Ralph Fiennes leads a drama filled with Shakespearian-level mystery, backstabbing, and intrigue as the Cardinal-Dean in charge of the papal conclave. In the process, he finds himself investigating scandals and secrets as the choices narrow for who will become the next pope.

Stanley Tucci, John Lithgow, and Isabella Rossellini are also outstanding in supporting roles. — JG

"Deadpool & Wolverine"

After a bevy of delays that included Fox being bought by Disney, COVID, and the strikes by the writers and actors in Hollywood, we finally got the third "Deadpool" movie. And it was worth the wait.

From the brawls with Wolverine (Hugh Jackman), the endless Disney IP jokes, and a fight with countless Deadpools, the movie is the rare payoff for fans of superhero movies in the post-"Endgame" era of the MCU. — JG

“Dune: Part Two”

Denis Villeneuve's continuation of his adaptation of Frank Herbert's beloved sci-fi novel takes us back to Arrakis, where Paul (Timothée Chalamet) goes from the hunted to the hunter as he teams with the Fremen to fight his enemies and becomes a Messiah in the process.

Like the first movie, the visuals are stunning, but the sequel also features more Zendaya as Paul's love interest, heightening the stakes by the end. — JG

"The Fall Guy"

Though "The Fall Guy" underperformed at the box office, David Leitch's love letter to stunt performers is one of the most enjoyable movie-watching experiences of the year.

A big reason for that is the performances from Ryan Gosling and Emily Blunt, whose chemistry as they navigate an on-and-off relationship while coping with movie-making madness is off the charts. — JG

"Furiosa: A Mad Max Saga"

George Miller's latest trek into the Wasteland may not be as jaw-dropping as his magnum opus "Mad Max: Fury Road," but the auteur of action still dazzles with breathtaking shots of desolate sandy vistas and ultra-violent car chases.

The major highlight is Anya Taylor-Joy as Imperator Furiosa (originally played by Charlize Theron in "Fury Road"). With very little dialogue, Taylor-Joy must use facial expressions and a multitude of stunts to convey her character's origin story and complex emotional arc. It's well worth the ride. — JG

"Gladiator II"

Twenty-four years after the Oscar-winning original, Ridley Scott returns to the Coliseum with a new star (Paul Mescal) and bigger fights. The result is an enjoyable mix of blockbuster thrills and nostalgic callbacks to the first movie.

But what sets "Gladiator II" apart is Denzel Washington, whose devilish, scenery-chewing performance as a gladiator owner with plans of getting his hooks into the Roman Senate elevates the movie whenever he's on the screen. — JG

“The Greatest Night in Pop”

The song "We Are The World" brought together the greatest musicians in pop and rock, but the story of how it came together makes the song even more remarkable.

This Netflix documentary from Bao Nguyen features never-before-seen footage and candid interviews recounting a single evening in Los Angeles that would become a defining moment for pop culture in the 1980s.

The documentary is replete with fascinating details about how the song and its ensuing celebrity spectacle came to be. From seeing how Michael Jackson created the hook to watching musicians like Cyndi Lauper and Huey Lewis give it their all recording long into the night, "The Greatest Night in Pop" is a must-see for anyone who lived through or loved the '80s music scene. — JG

"Hard Truths"

On a surface level, Pansy Deacon, the lead character of "Hard Truths," isn't someone you'd root for. She's a deeply depressed, angry middle-aged British woman who takes her fury out on anyone and everyone around her, from fellow shoppers at the supermarket to her own browbeaten husband and adult son.

The film starts out almost comically, as Pansy finds every imaginable reason to rant and rave at everything from babies with pockets (what do babies need pockets for anyway?) to the salesperson attempting to help her buy a couch. Marianne Jean-Baptiste infuses Pansy with so much heart and deep-seated pain that you can't help but feel for her, even as you're horrified by her behavior.

Writer-director Mike Leigh's unique filmmaking process (he and his cast start off without a script and collaboratively develop the characters) results in one of the most stunning performances of the year. — CM

"Incoming"

Hollywood is still trying to perfect this generation's high school movie. "Incoming" gets pretty close.

Following a group of friends who are the only freshmen invited to a party thrown by a senior, this raunchy comedy uses staples from the high school genre and mixes them with today's culture to concoct a hilarious movie. — JG

"Inside Out 2"

After a lot of confusion and frustration within the walls of Pixar over its COVID-era release strategy, the beloved animation house is having a much-deserved big-screen resurgence thanks to "Inside Out 2."

In the sequel to the Oscar-winning 2015 original, we catch up with Riley's key emotions like Joy (Amy Poehler) and Sadness (Phyllis Smith) right when Riley hits puberty. And just like that, new emotions like Anxiety (Maya Hawke) and Embarrassment (Paul Walter Hauser) show up wanting to be in control of Riley's feelings.

The movie is a funny and emotionally charged journey that highlights those impressionable years when we can no longer lean on our parents to make the right choices; it's now on us. — JG

"Longlegs"

Beyond having the most brilliant marketing campaign of the year, "Longlegs" is also genuinely freaky.

Osgood Perkins channels "Silence of the Lambs," mixed with devil worship and possessed dolls for good measure, for a crazy genre mashup: a police procedural horror movie. Maika Monroe gives an understated performance as traumatized FBI agent Lee Harker, who's investigating a series of murder-suicides that all point back to one mysterious figure: Longlegs.

The eventual reveal of what's going on — and the physical reveal of Nicolas Cage's Longlegs, a noteworthy entry in the actor's list of batshit roles — is disturbing and memorable. — CM

"The Last Showgirl"

Pamela Anderson gives a career best performance as an aging Las Vegas showgirl who must come to terms with losing her job when her revue abruptly closes.

Anderson holds nothing back as she plays a character who still is intoxicated by the glitz and glamour of the strip of yesteryear but comes to the harsh realization that show business has nothing left for a woman her age.

Ironically, after decades in the limelight, this is the role that is finally getting Anderson the recognition for her acting that she deserves. — JG

"Moana 2"

Originally planned as a TV series, Disney made the right move by turning this instead into a feature-length sequel to the beloved 2016 original.

This time, Moana (Auli'i Cravalho) must defeat an evil God who controls an island so that all islands across the sea can be reconnected.

The higher stakes, new characters, and catchy songs make the movie a worthwhile continuation of a story audiences couldn't wait to return to. — JG

"Nickel Boys"

Some viewers criticized RaMell Ross's bold decision to shoot "Nickel Boys," an adaptation of Colson Whitehead's 2019 novel, in a first-person point-of-view, where we see through the eyes of the character speaking. To that, I politely say: You're wrong, sorry.

The immersive filming style works perfectly to put the audience right in the mix as Elwood and Turner, two Black boys sent to a reform school called the Nickel Academy (based on an actual school in Florida), struggle to survive amid the racist institution's many often deadly abuses.

Ethan Herisse and Brandon Wilson give a pair of breakout performances as Elwood and Turner, and Aunjanue Ellis-Taylor is devastating as Hattie, Elwood's devoted grandmother. It's a tough watch, but a worthy one. — CM

"Nosferatu"

Looking back on the work of Robert Eggers, his obsession with telling stories set long ago has led up to this: an adaptation of the iconic gothic vampire tale.

With exquisite production design, makeup, and effects to transform Bill Skarsgård into the creature of the night, and a tour-de-force performance by Lily-Rose Depp as a woman overcome by a spell that fills her with desire and fear, this is Eggers' masterwork. — JG

"Queer"

Yep, both of Luca Guadagnino's 2024 releases made this list. "Queer" is a very different film from "Challengers" in many ways, but both cement Guadagnino as a filmmaker with an innate understanding of desire and a master at evoking it onscreen.

Based on William S. Burroughs' 1985 novella, the movie follows William Lee, a gay American expat living in 1950s Mexico City, who becomes obsessively infatuated with the much younger Eugene Allerton. Daniel Craig's no-holds-barred performance as Lee, a stand-in for Burroughs himself, establishes him as one of the most talented and versatile working actors today. It's also gorgeously shot, courtesy of Guadagnino's go-to cinematographer Sayombhu Mukdeeprom. — CM

"Rebel Ridge"

There's always one Netflix movie that comes out of the blue every year and grabs attention. This year, it was "Rebel Ridge."

Written and directed by Jeremy Saulnier ("Blue Ruin"), this impressive action movie gives a jolt to the genre with its gritty take. It's also a showcase for Aaron Pierre, who is on his way to big-screen stardom (he also voiced the title character in Disney's end-of-year release, "Mufasa.") — JG

"Strange Darling"

JT Mollner's thriller "Strange Darling" flew under the radar this year, but boy, is it a trip.

The story is told in a destabilizing nonlinear format; it's a clever narrative trick to make you think the movie is something it's not. Willa Fitzgerald and Kyle Gallner are knockouts as the two leads, keeping viewers transfixed and with our hearts in our throats. It's also beautifully shot by Giovanni Ribisi (yes, the actor) in his feature debut as a cinematographer. — CM

"The Substance"

"The Substance" is not for the faint of heart. French filmmaker Coralie Fargeat established herself as a genius of phantasmagoria with her debut feature, 2017's "Revenge," but she takes things up several notches in her follow-up.

The satirical feminist body-horror movie is completely insane, in the best way. It's a disgusting, disturbing, and extremely real fable of female self-hatred that goes off the rails (complimentary) like few movies I've seen before.

Demi Moore grounds it all as Elisabeth Sparkle, a washed-up middle-aged celebrity who's driven to try the mysterious drug dubbed The Substance after being fired from her aerobics show on her 50th birthday. Margaret Qualley is positively demonic as Elisabeth's younger and more perfect self Sue, the product of that black market serum fated to be Elisabeth's downfall. — CM

"Twisters"

This summer, we learned that if you mix Glen Powell and tornadoes, you've got yourself a hit.

This sequel to the 1996 hit "Twister" features more GGI-fueled storms and chemistry so hot between Powell and Daisy Edgar-Jones that audiences were bummed they didn't kiss at the end — everything you need from a hit summer blockbuster. — JG

"Wicked"

I was prepared to be a hater heading into "Wicked." After all, how could someone successfully adapt one of the most successful Broadway musicals of all time? After being blown away by Cynthia Erivo and Ariana Grande's performances, I'll gladly admit I was wrong.

As the movie's seemingly endless press tour has demonstrated, Erivo and Grande have incredible chemistry as Elphaba and Glinda, two witches who were once best friends before their paths diverged. Erivo is devastating as the lost, deeply lonely but resolute Elphaba, while Grande imbues so many layers into her performance as Glinda. The result is a thoroughly enjoyable movie experience with a showstopping finale, even if it's not the most technically impressive film on this list. — CM

"The Wild Robot"

Based on Peter Brown's popular books, "The Wild Robot" weaves one of the most emotional yarns of the year. The movie tells the story of Roz (Lupita Nyong'o), a robot who washes up on a deserted island and learns the ways of the wildlife that inhabits it, leading to her becoming the guardian of an orphaned gosling.

Beautiful to look at, with animation that has a watercolor quality, it's the uplifting story that elevates this movie from an impressive fantasy tale to a work that will be cherished by audiences for years to come. — JG

Jason's top five of 2024

1. "The Wild Robot"
2. "The Apprentice"
3. "The Brutalist"
4. "The Substance"
5. "Conclave"

Caralynn's top 5 of 2024

1. "The Substance"
2. "Hard Truths"
3. "Queer"
4. "Anora"
5. "Nickel Boys"

• Elon Musk has had a big year with Tesla and SpaceX soaring in value, supercharging his net worth.
• He helped Donald Trump win reelection and intends to transform the US government in 2025.
• Scroll down for seven charts showing how Musk's 2024 played out.

Elon Musk has had a year for the record books.

His businesses have taken off, with Tesla, SpaceX, xAI, and Neuralink all touching new valuation highs. Their success has boosted Musk's net worth to above $450 billion for the first time, putting him over $200 billion ahead of the world's second-richest person, Amazon's Jeff Bezos.

Musk has also become a power player in US politics after wielding his cash and clout to help win Donald Trump a second term in office. As one of the president-elect's closest advisors, he's now gearing up to overhaul the US government.

The situation seems worse at X, formerly Twitter, after Musk's $44 billion takeover and reshaping of the platform sparked an advertiser exodus.

Take a look at Musk's 2024 in charts (all data is accurate as of Friday, December 20):

1. Charging ahead

Tesla shares have shot up as much as 85% this year, driving the electric vehicle maker's market value above $1.4 trillion for the first time. They've since retreated but continue to trade near record levels.

The automaker has benefited from market buzz around artificial intelligence — which it's harnessing to develop self-driving cars and humanoid robots — plus a robust US economy and the Federal Reserve cutting interest rates.

Investors are also betting that Musk's businesses will benefit from his close ties to Trump, which could translate into less stringent regulations, government subsidies, tariff exemptions, and more.

2. Reaching for the stars

SpaceX's valuation nearly doubled from $180 billion at the end of last year to $350 billion this month, based on the price paid by the company and its backers for employee shares in its latest tender offer.

Musk's rocket, spacecraft, and satellite communications company made several technological breakthroughs this year. For example, it plucked the first-stage booster of its new Starship out of the air using a massive pair of mechanical "chopsticks" in October.

3. Shifting fortunes

Musk's net worth slumped in the spring as Tesla stock tumbled, dropping below $170 billion at its nadir.

But it rebounded by over $300 billion to touch an unprecedented $486 billion on December 17, as Tesla hit fresh highs and SpaceX notched a $350 billion valuation.

4. Rise of the robots

Musk's artificial intelligence company, xAI, was only founded in July 2023.

Yet it notched a post-money valuation of $24 billion in May following its Series B funding round. That rose to $50 billion in November, reports say, meaning the maker of the Grok chatbot is worth roughly as much as Monster Beverage.

5. X marks the drop

It remains tricky to gauge the health of X, the social media company formerly known as Twitter that Musk took private in 2022. One way is to use Fidelity's monthly estimates of the value of its stake in the business.

The mutual fund giant's figures imply that X's valuation has crashed since Musk's purchase. The tech billionaire laid off a large part of the company's workforce and relaxed content moderation in support of greater free speech, triggering an advertiser exodus that hammered the company's revenues.

Regardless, Musk recently posted on X that the platform has roughly 1 billion active users, although around 40% of them only log on during important world events.

6. Trump train

Musk was one of the biggest spenders in the US presidential election, deploying over $270 million to back Trump's race for president, run ads against Democrats, and promote conservative viewpoints.

His starring role in Trump's victory and emergence as one of the president-elect's closest advisors and a co-chief of the new Department of Government Efficiency suggests that his investment in the election has paid off.

7. Building brainpower

Neuralink, Musk's neurotechnology company, was valued at $8 billion this summer, up from about $2 billion three years earlier.

The developer of brain-computer interfaces wants to allow people with quadriplegia to control computers with their thoughts. Musk released footage this spring of the first patient to receive one of its brain implants.

As a parent, you want to do your best. You focus on your child, ensuring they're emotionally safe, properly socialized, and academically challenged — anything to set them up for success.

It's hard to fathom a dark outcome: that your child would grow up to assassinate someone, or be accused of doing so.

That's what Luigi Mangione's parents experienced last week, as the 26-year-old accused killer of UnitedHealthcare CEO Brian Thompson was charged with murder as an act of terrorism. And the parents of 15-year-old Natalie Rupnow, who killed two and injured six others at a Wisconsin school before dying of a self-inflicted gunshot, according to police.

Working with parents who've watched their kids sink into dangerous behavior, family therapist Rachel Goldberg said it's very hard for them to heal. She said parents must strive to find self-compassion and "separate their identity from their child's actions," no matter how challenging.

Parents of shooters experience remorse and confusion

In her 2016 memoir, "A Mother's Reckoning," Sue Klebold, the mother of Columbine shooter Dylan Klebold, wrote about struggling to call her son a "monster" after he killed 13 people in 1999. "When I hear about terrorists in the news, I think, 'That's somebody's kid,'" she wrote in the book.

Peter Rodger, the father of Isla Vista killer Elliot Rodger, wrestled with similar confusion and guilt. He remembers sitting in horror, watching his son's retribution video, which he posted on YouTube before stabbing, shooting, and using a car to hit bystanders in 2014. "Elliot was far from evil," Rodger told ABC that year. "Something happened to him. He was the most beautiful, kind, sweetheart of a boy."

Such an event "forces us as parents to contend with our worst fears," Annie Wright, another family therapist, told Business Insider. "The lack of control, at some level, over who they become."

Mangione's family is wealthy and well-known in their community as the owners of a golf club and philanthropists. He attended the Gilman School, a prestigious private school in Baltimore, where he graduated as valedictorian and was described by his peers as "very social" and "very into sports."

Goldberg said that a parent's imagined worst-case scenario is usually that their child would become a lonely, unemployed adult living in their basement. If a child does the unthinkable, recovering as a parent can feel impossible.

Limits to a parent's control

Kids don't need to be out of the house to be mysteries to their parents. In the wake of the Wisconsin shooting, authorities are combing through Rupnow's online activity in search of a motive, finding a version of her life seemingly concealed from others, like her fascination with the Columbine shooters.

Once a child is over 18 and financially independent, parents' control over their lives becomes even more tenuous. In the Mangiones' case, their son stopped responding to messages for months before he was arrested.

For parents watching their adult kids slip into alarming behavior, their options are legally limited, Goldberg said. Often, their best defense is talking to their kid, but "it really depends how much their adult child is willing to let them in."

Wright said that involving third parties can help. Parents can try family therapy or find licensed professionals who can help manage their child's physical or emotional pain. Parents can also call their local authorities in extreme cases, such as when their child is in immediate danger or endangering someone else.

Goldberg said the best thing parents can do is know their child as well as possible and act when something feels off. "Don't wait until it gets really bad if you can possibly intervene earlier," she said.

Even then, sometimes, intervention falls short.

Rodgers, the Isla Vista shooter, was in therapy from the age of 9. Peter Lanza, the father of Sandy Hook shooter Adam Lanza, said his son had been assessed by mental health professionals multiple times.

Pain a parent can't fix

Loneliness and isolation can often be red flags when analyzing a child's behavior. Still, Mangione, who started a gaming club in college and was part of a fraternity, appeared surrounded by people.

This made it harder for him to disappear fully: In July 2024, when he cut off contact with his family, cousins and friends reached out on social media. In November, his mother filed a missing person's report in San Francisco, where Mangione has some relatives.

Despite his seemingly solid network of friends and family, Mangione had spondylolisthesis, a painful spinal condition. He frequented Reddit communities related to back pain, describing his symptoms as "absolutely brutal" and "life-halting." That can be isolating, Goldberg said.

"It is a very lonely place to be in pain all the time because you can't really be present with people," he added.

In 2022, when Mangione lived in a Hawaiian surf community, he experienced sciatica, debilitating nerve pain, in his leg. R.J. Martin, who owned the co-living space, told The New York Times that Mangione "knew that dating and being physically intimate with his back condition wasn't possible."

While parents can do a lot to relate to a child's pain, such as listening and doing their best to understand the nuances of what their child is going through, "empathy alone can't bridge every gap," Wright said.

Parents can still protect themselves

Goldberg's clients, particularly parents of kids with substance abuse issues, struggle to move past their guilt. Acceptance can take a lifetime.

"They live in fear of getting a phone call from the police or hospital; they question everything they have done," she said. "They often feel incredibly helpless and stuck."

Wright said the resulting grief from something like this can be "extraordinarily complex" and "often includes sorrow, not only for the victims and their families but for the loss of the child they thought they knew."

She suggested therapy and, for those with religious affiliations, seeking spiritual leaders they trust. Parents can feel so many conflicting emotions, and it's important to "allow these emotions to coexist without rushing to tidy them up," she said.

This is especially hard for the parents who felt they tried their best.

Upon learning of Mangione's arrest, his family released a statement contrary to the manifesto found with their son during his arrest. "We offer our prayers to the family of Brian Thompson, and we ask people to pray for all involved," they said. "We are devastated by this news."

Some parents try to find meaning in the tragedy. Klebold wrote her memoir and participated in press interviews. Chin Rodger, mother of Elliot, started speaking at threat assessment trainings. She hopes that people will get better at identifying the red flags of someone going through a mental crisis.

Still, some just wish it never happened. Adam Lanza's father blames himself for overlooking the warning signs. "You can't get any more evil," Lanza told the New Yorker in 2014. "How much do I beat up on myself about the fact that he's my son? A lot."

• Many older Americans regret some career choices that affected retirement plans and job prospects.
• Regrets include not prioritizing education, frequent job changes, and involvement in office drama.
• This is part of an ongoing series about older Americans' regrets.

For millions of Americans, retiring at 65 is just a dream.

Since September, BI has heard from older Americans about their career regrets in two surveys it conducted.

Over 3,000 people between the ages of 48 and 96 completed a voluntary BI survey or emailed reporters about their life regrets. In a separate survey, over 300 recently laid-off Americans over 50 shared their career regrets. We followed up with 13 interviews to learn more. This is part of an ongoing series.

Some common themes people discussed included not prioritizing education, switching jobs too frequently, and struggling to navigate office politics. Many also cited age discrimination — data from AARP found that 64% of those over 50 have either seen or experienced age discrimination in the workplace. Nearly all said they were passed over for some roles in favor of younger applicants with lower pay expectations, particularly in white-collar roles where hiring has slowed.

We want to hear from you. Are you an older American with any life regrets that you would be comfortable sharing with a reporter? Please fill out this quick form.

Bureau of Labor Statistics data found that 18.9% of Americans 65 and older — about 11.4 million people — still work, many for financial or social reasons. Some returned to work after retiring, citing financial concerns.

Not prioritizing or getting the wrong kind of education

Lou Nelson, 63, was an executive assistant in the medical devices industry for 25 years but faced two layoffs since 2021. She hasn't had luck securing work since January.

For most of her career, she had few regrets about not having a bachelor's degree because she worked for top healthtech companies and said she was well respected. However, after sending out over 50 applications, she suspects not having a degree has impeded her search.

"Nobody wants to hire someone that's 63 years old, and I don't know if it's because of pay or experience," said Nelson, who lives in Texas.

A college degree is still a big boon to finding and holding a job. The Bureau of Labor Statistics' latest jobs report showed that Americans with a bachelor's degree or higher had an unemployment rate of 2.4% in November 2024, while those with only a high-school diploma had an unemployment rate nearly twice as high, at 4.6%.

Grover McBeath, 79, said not having either limited his career options. He struggled through school and dropped out in eighth grade.

He joined the Air Force and worked in electronics for most of his career, but he lacked job satisfaction. Though he traveled the world for work and his salary peaked at $38,000 a year, he said he had an "unstable, nomadic lifestyle." McBeath took Social Security at 62 and relies on the $1,108 a month he receives. He lives in affordable housing in Nevada and receives SNAP benefits to help pay for food.

"I was in a career field that I didn't have an aptitude for, and many times, I just felt so lost in what I was doing, which is why I bounced around a lot," McBeath said, adding he wished he prioritized education.

Still, many believe a college degree isn't worth the financial burden. A Pew Research Center survey of US adults conducted at the end of 2023 found that just 22% of respondents believed a four-year college degree would be worth it if they had to take out loans.

Some older Americans BI spoke with agreed that their degrees haven't helped further their careers. Lynda Namey, 54, was a healthcare business manager for two decades, making $62,000 a year at her peak. However, after a divorce that put her in debt, she said she panicked and returned to school for her master's and doctorate degrees in counseling from Liberty University. She had no strong desire to pursue the degrees but did it because she expected them to help her land higher-paying roles.

That hasn't panned out. The Alabama resident removed her doctorate from her résumé to not appear overqualified. While searching for a full-time job, she's held part-time consulting, life coaching, and independent contractor roles. She also teaches meditation.

"I'm a middle-aged woman who has to completely support myself. I pay for my own insurance, and I've got to think about my future," Namey said. "I can't afford to take a job that pays $17 or $18 an hour. But those are the only jobs I get interviewed for."

Switching jobs frequently instead of building a cohesive career

Though a few job seekers regretted not looking enough for new roles, dozens said they regretted bouncing between jobs and career paths and not being more intentional about growing their networks.

After working in various industries, Dawn Habbena, 63, fell in love with human resources. But after her company was sold, she took a job in compliance for a wealth management company, which wasn't as satisfying as HR.

When Habbena faced a layoff during the pandemic, she struggled to get back into HR. Six months later, she got an HR job for a manufacturing plant, but she took another HR role after moving to help her aging mother. She described that role as "absolutely horrible," and she's since struggled to find another position — even as a grocery checker — after sending out over 1,000 applications.

Habbena wished she'd stayed focused on HR to accrue more experience and kept building her computer skills. She lives in a one-bedroom apartment with her 86-year-old mother and drives for DoorDash to stay afloat.

"I wish I had more confidence in what I did because I was easily knocked off," said Habbena, who lives in Texas.

Many older Americans, like Chuck Smith, 60, couldn't control how long they stayed in roles because of layoffs but wished they had settled somewhere more stable. Smith, from Massachusetts, worked in tech marketing for most of his career, making as much as six figures.

Smith was laid off in June 2023 and said he's since applied to over 2,700 roles and landed about 100 interviews. Though he and his wife are financially comfortable, Smith said he's worried about how quickly he's spending down his savings without a stable income.

Though hiring has remained steady for lower-income workers, the job market for six-figure earners has slumped. New LinkedIn data found hiring has fallen 27% in IT and 23% in product management and marketing since 2018. Middle managers have also faced hiring challenges — hiring levels fell 42% between April 2022 and October 2024, data from Revelio Labs found.

To be sure, recent data reveals that switching jobs often yields financial gains. A September Vanguard report found that the median job switcher received a 10% increase in pay. Still, it also showed a 0.7 percentage-point decline in people's retirement savings rate when switching jobs because 401(k) plan benefits can vary and people often make mistakes when rolling over retirement accounts.

AARP found that older workers who voluntarily change roles or industries in their 40s and 50s tend to retire later and have better work outcomes than their peers who stay in one role.

"They have better wage growth. They've experienced a higher success rate of staying in the workplace over those who might have been forced to change jobs later in their career," said Carly Roszkowski, the vice president of financial resilience programming at AARP.

Taking a risk on a business, contract roles, or an 'office bully'

Some respondents took risks that hurt them financially.

Michael R., 70, opened toy stores in New York throughout the 2000s, thinking they would grow enough that he could retire comfortably. However, when his businesses crashed amid the 2008 recession, he lost over $650,000 and declared bankruptcy.

"If I didn't do the business, I would have bought a house," Michael said, adding that in that scenario, he could've helped his whole family by selling his mom's house and gifting his siblings the money.

However, he had to move in with his mother, and after she died, he rented a studio apartment. He said he works nearly every day of the week at his friend's toy store and earns about $8,000 a month between his paycheck and his Social Security benefits.

"I'm still struggling just to pay my rent, my groceries, and my car. We don't get a raise. We don't get a bonus," Michael said. "I'm grateful I'm employed, but I can't go out looking for another job. Nobody's going to hire somebody who's 70 years old."

Some regretted taking risks working in contract roles instead of prioritizing full-time work. Mauricia Day, 74, never finished her degree and said she's held over 40 jobs — many contracted — in radio, tailoring, and office administration, making $30,000 a year at most. After a layoff in 2020, she hasn't found secure work. She works at a nonprofit in a part-time contract role that ends in December.

Day said because she knew little about saving and investing, she lived paycheck to paycheck. She wished she'd focused on securing full-time employment in one field instead of relying on unstable income. She receives $1,136 in Social Security and $317 from her pension each month, which is slightly more than her house payment.

"I wish I had focused more on a career; it would have probably helped better with retirement and investing," Day said, adding she stayed home for nearly 18 years raising her children. "I have a lot of friends who have been retired for 10 years, 15 years. I'm unsure why I'm still looking, but I know I'm still looking."

A few wished they took fewer risks navigating workplace dynamics. Robbi Sera, 59, said she had a stable career as a biotech project manager and made good financial decisions, such as maxing out her 401(k). However, she said she took a few risks at work that backfired.

Sera said she gave constructive feedback to a "company bully," which she said contributed to her layoff in February. She wished she'd stayed quiet until she locked down a different job, as she said the hiring landscape is "dismal."

Sera, who splits her time between California and Hawaii, said even though she's financially stable, she and her husband have cut back on spending significantly, rarely eating out or traveling. She earns $20 an hour as a contracted customer service agent for the aviation industry while searching for higher-paying roles.

"You just keep swimming and hope that something gets better," Sera said.

Are you an older American with any life regrets that you would be comfortable sharing with a reporter? Please fill out this quick form or email [email protected].

• Three baby boomer homeowners told BI they want to downsize but can't find suitable options.
• Rising home prices have led to a big increase in their home equity over the years.
• But those rising prices also make it harder to find affordable homes for retirement.

As many baby boomer homeowners look to cash in on their home equity and downsize, some are grappling with a shortage of suitable homes.

Older homeowners are increasingly staying put, as mortgage rates and housing costs remain stubbornly elevated and inventory— particularly of affordable and accessible homes — is scarce. Some simply can't find a suitable home that would leave them with enough cash to retire on, while others simply don't feel downsizing is a savvy financial move with housing and borrowing costs so high.

Kim Cayes is one of those boomers who feel stuck. The 67-year-old always banked on selling her four-bedroom house in Parsippany, New Jersey, to help support herself in retirement.

"My plan had kind of been: save everything I can, and then when I retire, move someplace cheap and use the equity in my house to buy a house in cash to reduce my costs," she told Business Insider.

Cayes bought her home for $245,000 in 2000 after her divorce. She added a major addition and has since benefited from New Jersey's soaring home prices — the house was recently appraised at nearly $700,000, according to documents reviewed by Business Insider.

But Cayes, now semi-retired from corporate communications, is no longer interested in leaving northern Jersey for a cheaper part of the country. Two of her three adult children live with her, and she doesn't want to leave her community.

"I would hate to move somewhere and leave one of my kids behind because, not being married, my kids are all I've got," she said. "Especially as you get older, you need a network of people."

Cayes is looking for a single-story home in the $400,000 to $450,000 range. But she hasn't had any luck finding something suitable. She says the homes she's looked at would need a lot of work and aren't in familiar neighborhoods.

"Thinking I'm going to spend the final years of my life in a worse situation than I've ever been in — that's just so depressing," Cayes said. "Especially when my friends are all traveling around the world with their spouses and constantly posting on Facebook which countries they're in."

'A lateral financial move'

Some boomers who can afford to stay in their homes don't want to endure the costs and possible stress associated with downsizing. Even those who are still paying off their homes often have much lower mortgage interest rates than what they could get on the market today, hovering around 6.5%. And leaving a familiar home and neighborhood can be emotionally taxing.

Dorothy Lipovenko, 71, and her husband love the single-family home in a well-connected neighborhood of Montreal where they've lived for nearly 25 years. But the options to downsize in their area seem limited to pricey new condos and old homes that need major repairs. Lipovenko doesn't want to live in a modern condo without green space, but she also doesn't want to take on a home renovation project.

"It becomes a lateral financial move, and that is what has us saying 'no,'" she said. "Downsizing is a huge undertaking, physically and emotionally, and a one-for-one trade makes no sense."

Ideally, Lipovenko and her husband would move to a smaller, single-floor house — she dreams of a Levittown-style suburban starter home, she said.

"It's not just giving up possessions and going into a smaller space; it's shrinking a lot of things to fit a new mindset," she said. "I just can't see my husband and I spending the last decades of our life in a little apartment."

'I'm lucky I have this house'

Andrea S., 60, already lives in a single-story starter home in Sherman Oaks, California, that's well-suited for a retiree. But Andrea, who requested partial anonymity to protect her privacy, isn't sure she can afford to stay in it.

The former agent and producer bought her two-bedroom bungalow with her ex-partner in 1994 for $245,000. She's lived in the home ever since, hasn't made any major improvements, and has a housemate to split the bills with. The Zillow estimate, reviewed by Business Insider, found the house is now worth about $1.3 million.

"I'm lucky I have this house," she told Business Insider. "I just hate the fact that the house is pretty much my pension fund."

Andrea's income is lower than she expected it to be at this point in her life — she's struggled to work since suffering from a head injury in a car crash in 2021. Meanwhile, the pandemic and Hollywood writers' strike killed off some of her projects, she said. At the same time, maintenance and repair costs for her nearly 75-year-old house are daunting: the HVAC system needs to be replaced, and the pool and large yard are expensive and energy-intensive to maintain.

"If I can't get a job that covers me enough to cover my bills, then I have to think about do I sell the house," she said.

But she's concerned that she won't be able to find an affordable home in a neighborhood as pleasant and walkable as hers, especially on a budget that makes sense. After her crash, she gave up driving and wants to keep living in a place with bus access and grocery stores within walking distance. Plus, she's concerned about the capital gains tax she'll need to pay if she sells the home.

"I'm realizing now, at age 60, all the things that you become very vulnerable to, especially when you're a woman and you don't have a life partner," she said.

Andrea and her friends joke about their dream of retiring together in the British seaside town of Port Isaac — the idyllic setting for the early-2000s TV show "Doc Martin."

"You get some nice little cottage in town. They don't have big yards. And you walk out your door, and you see the lovely English coastline," she said. "That sounds good to me."

Are you struggling to downsize or find a suitable home to retire in? Are you otherwise affected by the cost of retirement housing? Reach out to this reporter at [email protected].

• Google on Friday proposed possible remedies to resolve an antitrust case over its search business.
• Last month, the DOJ suggested that the judge force Google to sell its Chrome browser.
• Judge Amit Mehta is expected to rule on the final remedies by August 2025.

Google on Friday proposed limitations to its search partnerships as a potential remedy to resolve antitrust violations in its search business.

The proposal would allow Google to continue partnering with third-party companies like Apple in revenue-sharing deals that make Google the default search engine on their devices, unlike the Justice Department's proposal. However, Google's proposal would make the deals non-exclusive, the company said in its filing.

"We don't propose these changes lightly," Google said in a blog post about the proposal. "They would come at a cost to our partners by regulating how they must go about picking the best search engine for their customers. And they would impose burdensome restrictions and oversight over contracts that have reduced prices for devices and supported innovation in rival browsers, both of which have been good for consumers."

Last month, the Justice Department and a group of states asked Judge Amit Mehta to force Google to sell its Chrome browser to resolve the case. They also asked that Google be stopped from entering default search agreements with Apple and other companies and that Google should open its search engine results to competitors.

Industry experts previously told Business Insider that selling Chrome off would open up the browser market and would likely be cheered on by search rivals and advertisers, though it remains unclear how a possible Chrome spinoff might work.

Both sides will present arguments for their proposals at a hearing scheduled for April. The judge is expected to rule on the final remedies by August.

Kent Walker, Google's president of global affairs, previously said the company intends to appeal the judge's ruling, potentially delaying a final decision by several years.

Representatives for the Justice Department's antitrust division did not immediately respond to a request for comment from Business Insider.

• The Netflix drama series "Virgin River" returned this week.
• Films released in theaters earlier this year, like "Cuckoo" and "Juror No. 2," are on streaming.
• The final season of Marvel's animated series "What If….?" begins on Sunday.

As Christmas approaches, streamers have plenty of options to get in the holiday spirit.

There's the classic 2000 movie "How the Grinch Stole Christmas," starring Jim Carey as the titular cranky recluse, which hit Peacock on Friday, and the new "Simpsons" holiday special that premiered exclusively on Disney+. For some festive music, tune into Josh Groban's holiday special featuring celebrity guests.

But there's plenty of other entertainment to check out, too, like brand-new comedy specials, the latest season of Netflix's drama "Virgin River," and two films released earlier this year: Clint Eastwood's "Juror No. 2" and Tilman Singer's "Cuckoo."

If you've been following the behind-the-scenes controversy surrounding the making of YouTuber MrBeast's new reality competition show, "Beast Games," you might be inclined to check out the first two episodes of his new Prime Video series.

Here's a complete rundown of all the best movies, shows, and documentaries to stream this weekend, broken down by what kind of entertainment you're looking for.

"Virgin River" returned for season six.

Netflix's drama series about characters in a small town in Northern California returned this week. This season follows Mel (Alexandra Breckenridge) and Jack's (Martin Henderson) love story as they finally get married.

Streaming on: Netflix

Clint Eastwood's courtroom drama "Juror No. 2" hit streaming after a muted theatrical release.

"Juror No. 2" stars Nicholas Hoult as Justin Kemp, a family man summoned as a juror on a trial for a high-profile murder that he may or may not have played a part in.

Eastwood's latest film, which is believed to potentially be the last one from the 94-year-old director, received positive reviews from critics but was reportedly released in less than 50 theaters. Now that
"Juror No. 2" is available to stream on Max, you can see it for yourself.

Streaming on: Max

The horror film "Cuckoo" is available on Hulu after releasing in theaters over the summer.

After 17-year-old Gretchen (Hunter Schafer) moves from America to live with her dad and his new family at a resort in the German Alps, she becomes tortured by bloody, horrific visions.

Streaming on: Hulu

For more thrills, watch "The Inheritance."

Just before his 75th birthday, billionaire Charles Abernathy (Bob Gunton) gathers his estranged kids at his sprawling estate out of fear that something or someone is going to kill him by midnight. If the children protect him and he survives the night, he'll dole out their inheritance to them.

Streaming on: Hulu

Kerry Washington stars in "The Six Triple Eight," inspired by a moving story about barrier-breaking women.

The Netflix movie tells the story of the first and only Women's Army Corps unit of color that served overseas in World War II. "The Six Triple Eight" is directed and written by Tyler Perry, starring Washington as real-life hero and commanding officer Major Charity Adams.

Streaming on: Netflix

For comedic relief, check out Ilana Glazer's stand-up special, "Ilana Glazer: Human Magic."

In her stand-up special, the "Broad City" star shares unfiltered jokes about the awkwardness of her high school years and the joy of becoming a mom after welcoming her first child, a daughter, with her husband in 2021.

Streaming on: Hulu

Or Rose Matafeo's stand-up special, "Rose Matafeo: On and on and on."

Four years after her first Max comedy special, "Horndog," Rose Matafeo is back for more.

In her latest special, the "Starstruck" creator and star delivers musings about the differences in dating in her 20s versus her 30s and more — all with her signature self-deprecating humor.

Streaming on: Max

Oscar nominee Stephanie Hsu stars in the new dark rom-com series "Laid."

The "Everything Everywhere All at Once" actor plays Ruby, a woman who learns that her exes are all dying in weird, mysterious, and seemingly unrelated ways. To stop more of her former loves from meeting their end, her roommate AJ (Zosia Mamet) creates a "sex timeline" so Ruby can track down her previous conquests and warn them of their impending death.

At eight episodes of about 30 minutes each, "Laid" is a no-brainer for your next binge-watch.

Streaming on: Peacock

YouTuber MrBeast is giving away $5 million as part of his latest endeavor, "Beast Games."

"Beast Games," which premiered on Thursday, involves 1,000 players competing in a variety of mental and physical challenges for the chance to win a $5 million cash prize — touted as the biggest single prize in TV and streaming history.

Streaming on: Prime Video

The third and final season of Marvel's animated series "What If….?" begins on Sunday.

If you're looking for the next follow-up to "Agatha All Along" or a palate cleanse after watching "Kraven the Hunter," look no further than season three of "What If….?"

Like past installments, the final season of the critically acclaimed animated series explores alternate timelines in the MCU's vast multiverse. "What If….?" concludes with eight episodes released daily starting on Sunday.

Streaming on: Disney+

Get into the holiday spirit with a super-sized episode of "The Simpsons."

On the 35th anniversary of the first-ever "Simpsons" Christmas special, Fox's long-running animated series debuted a 45-minute episode exclusively on Disney+ this week.

In the latest Christmas special, a famed British mentalist named Derren Brown visits Springfield and accidentally hypnotizes Homer into believing he's Santa Claus.

Streaming on: Disney+

Or the entertainment special "Josh Groban & Friends Go Home for the Holidays."

The special, hosted and executive produced by five-time Grammy nominee Josh Groban, features a combination of storytelling, comedy, and yes, plenty of music. Expect Groban and his guests, like Jennifer Hudson and James Bay, to perform classic holiday tunes, new songs, and original duets.

"Josh Groban & Friends Go Home for the Holidays" can be streamed live on Paramount+ with the Showtime plan as it airs on CBS on Friday, or streamed the following day on Paramount+.

Streaming on: Paramount+

For a classic holiday flick, watch "How the Grinch Stole Christmas."

Twenty-four years after its release, "How the Grinch Stole Christmas" still remains a quintessential holiday season watch and one of Jim Carrey's most memorable roles.

Streaming on: Peacock

• Startups like Equatic and Climeworks develop ways to remove carbon dioxide from the atmosphere.
• Carbon removal helps businesses meet ESG goals and offset emissions through a carbon credits system.
• This article is part of "Transforming Business," a series on the must-know leaders and trends impacting industries.

Out on a barge in Los Angeles, a team of engineers is hard at work tweaking the designs of a collection of machines with multiple tubes attached to tanks filled with air and different minerals.

The team works for a startup called Equatic, which uses a process called sea electrolysis to remove carbon dioxide from the atmosphere. Seawater runs through an electrolyzer, which separates the water into an acid and a base. Rock minerals neutralize the acid, and the base mixes with CO2 from the atmosphere. This results in carbonates that can safely return to the ocean.

Carbon removal technologies, like those developed by Equatic, can transform businesses by helping them reduce their legacy carbon footprint. For many companies with environmental, social, and governance goals, investing in carbon removal through the purchase of carbon credits helps them offset their emissions and get closer to their goal of being "net zero." For rapidly developing industries like artificial intelligence that massively consume energy, implementing carbon removal could help offset emissions in the long term.

The idea of Equatic emerged in the research labs at the University of California, Los Angeles, with a team led by its cofounder Gaurav Sant, a sustainability professor at the school.

Sant said that his team began thinking about how to activate and expand the capacity of oceans, which already naturally absorb CO2 from the atmosphere. Processes such as sea electrolysis have been used for decades, though scaling ocean carbon removal technology has started only in the past few years. Sant said his experience as a cement chemist helped him consider ways to reduce carbon emissions.

"There was very little attention that was being paid truthfully to reducing the carbon intensity of cement production and concrete construction," Sant said. "The journey started with low-carbon cement and low-carbon concrete, and from there, it sort of went into a bunch of other things."

For startups that want to break into the industry and market their product's integrity, they must make carbon removal measurable. At the development plant in Los Angeles, Equatic engineers measure the machinery's ability to remove carbon and produce hydrogen. They then quantify carbon removal results. They also publish their findings in peer-reviewed scientific research papers.

Equatic is developing the world's largest ocean-based carbon removal plant in Singapore, a demonstration project in partnership with the country's National Water Agency. The plan for the new plant is to remove 4,000 tons of CO2 annually and create 300 kg of carbon-negative hydrogen a day, according to its website. If these projects succeed, Equatic intends to take its idea to a commercial scale.

For Climeworks, a Zurich carbon removal startup, scaling has taken place gradually over the past fifteen years. The company uses direct air capture technology at its plants to suck CO2 out of the air and then later mineralize it into a solid rock form and store it underground.

"What carbon removal can offer to businesses is making sure that CO2 in the atmosphere, or climate in general, is not a barrier to growth," Jan Wurzbacher, the CEO of Climeworks, said.

The carbon credits market has shortcomings

While these companies plan to scale commercially, startups like Equatic sell carbon credits to businesses and individuals who want to reduce their carbon footprint. Two of Equatic's customers are Boeing and Stripe. Climeworks counts Microsoft, Boston Consulting Group, and Shopify as clients.

The carbon credits market is highly unregulated, dotted with stories of credits sold but followed by incomplete actions and scams. An investigation by The Washington Post found that some carbon credit ventures reaped profits from protected public lands in the Brazilian Amazon forests and failed to share profits with locals. Essentially, these ventures gave the impression that they would reduce emissions but used lands they had no rights to, possibly invalidating the credits they said they would offset for companies such as Netflix, Salesforce, and Boeing.

"Some 'cheaper' carbon credits that you can buy are not easily verifiable," said Indroneil Ganguly, an environmental and forests sciences professor at the University of Washington.

Critics of carbon credits argue that this system allows businesses to continue polluting. Some businesses, such as Occidental Petroleum, invest in carbon removal and use the process to extract more fossil fuels. While telling businesses to cut emissions would be ideal, Wurzbacher said that cutting them entirely or converting to more sustainable practices could be costly and not immediate.

Carbon removal can be expensive

Even at the rapid scaling rate of these carbon removal startups, their emissions removal is only a small drop in the sea. In 2022 alone, the global aviation industry emitted 800 megatons of CO2. In comparison, Climework's first commercial plant in Iceland, called Orca, can remove 4,000 tons a year, the company says. Climeworks said its larger Mammoth plant would be able to remove 36,000 tons.

The biggest hurdle for carbon removal startups like Equatic and Climeworks is cost. A plus side of Equatic's sea electrolysis process is that it creates hydrogen, which can be used as a clean energy source and lower the technology's costs.

"So you push the price down, right, and that's what stimulates the market," Edward Sanders, the CEO of Equatic, said.

What's more, carbon removal is a voluntary purchase and an elastic good, meaning that it depends on the desire of individuals or businesses to participate, and the demand can shift significantly with price.

"The way in which we are going to get the necessary volumes is going to be at a price point they can accept and still manufacture the goods they are making and clear the services they do," Sanders said.

The cost to permanently remove 1 ton of CO2 right now is between $600-$1,000. Scaling up existing technology requires more laborers and building very specific machinery, Wurzbacher said. Both Climeworks and Equatic have received grants from the US Department of Energy, including a grant for Climeworks to subsidize its expansions in Louisiana and Texas.

This year, Climeworks expanded beyond permanent carbon removal and began offering a new solutions branch of its business. If the direct air capture method is too expensive for customers, Climeworks finds a portfolio of other options they can use, such as reforestation and biomass storage.

The incoming Trump administration raises questions about the future of carbon removal and whether companies will be motivated to cut emissions. 

Both Climeworks' and Equatic's respective CEOs said that while timelines and execution could change, these solutions still had bipartisan support and political momentum. Also, carbon removal itself is inherently adaptive.

"The nice thing about direct air capture," Wurzbacher said, "is that you can basically do it anywhere in the world and have your customers at a very different place."

• Perfumes were massively popular in 2024, especially those from prestige brands.
• Business Insider asked successful women across industries to name their favorite scents.
• Some like expensive, trendy options from Aesop, while others enjoy body sprays and classic perfumes.

The key to everyday luxury in 2024 was simple: spray some perfume.

The fine fragrance industry boomed throughout the year, with Women's Wear Daily reporting that prestige scents were the fastest and largest growing sector of the overall beauty industry.

Colognes were also extremely popular with men, and members of Gen Z became obsessed with smelling good.

So, Business Insider turned to successful women across industries to learn which perfumes they recently favored. Here are their picks.

The founder of a sustainable marketing agency loves unisex scents from Aesop.

Estella Struck founded Viviene New York, a marketing agency that promotes sustainable businesses. She's also a rising star of influencer management.

The 23-year-old told BI that she's "not a perfume maximalist" — but there are two scents she loves.

"I really like Aesop. I think they have an amazing line of fragrances, and they're unisex," she said.

She's purchased the Tacit scent for herself, which costs $160 or $220 depending on the bottle you buy, and the $200 Karst scent for her boyfriend.

"I'll use his Aesop scent depending on my mood," she added.

She also likes a clean version of a popular Gucci fragrance.

Struck told BI that she loves the scent of Gucci Bloom but doesn't find it to be the most sustainable and skin-friendly option on the market.

It's also priced pretty high, between $110 and $128 each for full-sized bottles.

So, the marketing professional turned to Dossier, a brand known for selling clean, inexpensive fragrances inspired by designer products.

Struck said the brand's Floral Honeysuckle perfume smells exactly like Gucci's, and the bottle costs $39.

One media strategist is loyal to a classic Victoria's Secret perfume.

Abby Carlos has spent the past two years working as a media strategist for Warner Bros. Discovery.

So far, she's worn the same perfume each day on the job: Victoria's Secret Bombshell.

She prefers the brand's original scent, which is sold as a body mist, lotion, and perfume (though the latter is sold out).

Other variations of the fragrance — including Bombshell Intense — are still available on the Victoria's Secret website for upward of $60.

For nights out, she turns to a designer brand.

Carlos told BI she likes to wear a limited-edition Carolina Herrera scent called Good Girl Fantastic Pink for nights out.

"It's packaged in a sparkly pink bottle, and I get so many compliments on that one," she said.

She also previously enjoyed the brand's Very Good Girl scent, packaged in a red, heel-shaped bottle. But over time, she thinks it's become a bit overrated.

"It felt like everyone started wearing it," she said of the perfume. "I was like, 'Oh my God. Now I've got to find a new scent.'"

Bottles of the latter fragrance — and others in Carolina Herrera's Good Girl line — range in price between $94 and $192 per bottle. The brand no longer sells the Fantastic Pink line, but it can be purchased on fragrance websites and Amazon.

One entrepreneur sprays an underrated Viktor and Rolf perfume as a mood booster.

Sabrina Guler, 31, is an author and entrepreneur who cofounded the real-estate investment company Techvestor, which landed her on BI's rising stars of real estate list.

"I love Viktor & Rolf's Tiger Lily," she said. "That's been my go-to, and I always get complimented on it."

She describes the scent as floral, feminine, and "very sexy."

"I'm someone who wears fragrance when I want to enhance my self-love," she said. "If I want to feel better about myself, if my mood is kind of off, or if I just want to feel more connected to me, I'll add a little bit of perfume."

An influencer talent agent layers multiple fragrances to create her signature "vanilla cupcake" scent.

Asia Gousse found herself on BI's list of rising stars in influencer talent management thanks to her work with Slash Management. She works with an all-female client roster that she discovered on TikTok.

Even when her job is busy, the 28-year-old makes time for a thorough fragrance routine.

Gousse always begins by applying unscented body oil to help her perfume last longer. She then uses the $14.99 Being Frenshe body spray in Cashmere Vanilla as a base layer for a rotating perfume.

Sometimes, she sprays Valentino's Born in Roma Intense, which costs between $110 and $140. On other days, she chooses Maison Margiela's Replica Afternoon Delight ($35 to $165) or Viktor & Rolf's Flower Bomb Ruby Orchid ($38 to $225).

Finally, she uses a niche fragrance from Idult Paris called Tiholta, which she says is the "truest vanilla" scent she can find. It costs 180 euros, or about $187.

"I want to always walk around smelling like a vanilla cupcake. It's my pride and joy," she said.

A fashion designer has found her signature scent in YSL's line.

Anna Molinari is a 26-year-old content creator and sustainable fashion designer. She's also a newly cemented fragrance fan.

"I never used to be a fragrance person, but now I've been learning about them as I receive them in PR packages," she told BI. "My favorite is the YSL Black Opium Over Red."

In addition to the YSL scent, which costs between $35 and $160 per bottle, Molinari enjoys the Mugler Alien scent, which retails for around $150 per bottle.

"My issue with perfumes is that, to me, they can smell like old ladies," she said. "So what I like about the YSL cherry scent specifically is that it does smell very fruity. Same thing with Mugler Alien. I can wear them every day."

• Blackstone's outlandish holiday videos have become must-see TV for Wall Street and beyond.
• Love them or hate them, they are smart marketing, and other companies are taking notice.
• Business Insider went behind the scenes to see how they're made and who's in charge.

On a Thursday in December, a small crowd stood outside the office of Blackstone's heir apparent, Jon Gray. A woman was holding a martini glass and asked the nearby film crew how she should toss its contents at her colleague.

Laurie Carlson, Gray's executive assistant, wanted to know how high she should throw the liquid and worried aloud about the office equipment, including a printer.

A member of the crew told Carlson to aim for the face — for comedic effect. A minute later, Joe Lohrer, the head of US retail sales for Blackstone Private Wealth Solutions, was dripping wet, and the head of Blackstone's video team, Jay Gillespie, called for another take.

"This is the first stunt we've ever done in a holiday video," Gillespie, who's spent his career in the film industry as a director, producer, editor, and cinematographer, told a reporter on set.

Since 2018, Blackstone has been releasing increasingly zany videos in time for the holiday season. Think of them as the house with the over-the-top Christmas lights: Some people love it, some hate it, but everyone is talking about it. It's become must-see-TV for Wall Street, and this year's video was among the zaniest. It included a series of mock reality-TV shows and ended with a country-western song-and-dance routine about leveraged loans and data centers.

Blackstone's viral holiday video is the work of Gillespie's team, which has been quietly helping to transform the public face of the private-equity giant since he joined the firm full time in 2019. The video operation now includes about 20 full-time staffers and produces an enormous amount of content, including 2,200 videos this year alone. It is the brainchild of Christine Anderson, Blackstone's global head of corporate affairs, who also oversees the team as the head of marketing.

While the holiday video is the most outlandish, much of what Gillespie and his team produce for Blackstone differs from other financial firms. Rather than focusing on how smart its employees are, the videos seek to humanize them, including by dressing them up in funny outfits and letting them sing and dance. Watching its videos, one can learn that Joe Zidle, the chief investment strategist for the private wealth group, is a Deadhead, and Kathleen McCarthy, the cohead of real estate, rocked out to indie band The Beths at the Coachella music festival in April.

It's arguably smart marketing in an era when being powerful and secretive can backfire, leading to questions and even conspiracy theories, especially for a firm as large as Blackstone, which manages over $1 trillion, making it the largest alternative asset manager in the world. On the "Today" show recently, Dan Roth, LinkedIn's editor in chief, said companies around the world are taking notice — even if some of the videos can attract haters on social media.

"They are watching to see what he's doing, and they're copying it," Roth said of a recent Blackstone video in which Gray discusses the company's earnings as colorful emojis (a handshake, a bicep, a gold medal) pop up on the screen. "We are seeing companies in Australia, companies in Europe, doing exactly the same thing," Roth said. "It's wild."

Origin story

Blackstone's holiday video tradition started in 2018 as a replacement for the New York holiday party, which was canceled because the investment firm, with more than 2,500 employees at the time, had grown too large.

Gray, together with Anderson, decided to mark the holidays instead with a video that parodied their workplace in the style of NBC's sitcom "The Office." Gray, who had just been tapped as president and COO, would play the role of the loveable but incompetent boss Michael Scott, played in the show by Steve Carell.

The video was initially intended for clients and employees, not the general public. Even as the videos have gained a wider audience, however, the company has continued in the tradition of using them to poke fun at the firm's inner-office dynamics.

One of the biggest jokes over the years was the firm's casting of Gray as the guy who drives his colleagues crazy with his special meetings and big ideas, several people who work with him said. Even the way he yells from his office for Carlson, his assistant, to jump on his latest pet project has a ring of truth to it, colleagues told BI.

"People tell me that I have an excess of enthusiasm, and many people I work with roll their eyes at it," Gray acknowledged to BI.

Other inside jokes included CEO and cofounder Steve Schwarzman's relentless hawking of his book, "What It Takes," and the head of tactical operations David Blitzer's obsession with teams he owns, including the NHL's New Jersey Devils. In 2019, the video featured Bennett Goodman, the cofounder of GSO, wearing a Hawaiian shirt in the office while sipping on a tropical cocktail — counting down the days till his retirement.

Over the years, the audience for the video has grown. In 2023, it attracted 8 million views across platforms, up from just 60,000 views in 2018, a spokesman told BI. The production has also grown more ambitious, with 200 of the firm's 4,900 employees starring in it this year compared with 20 the first year.

The video, which takes months to produce, is also popular inside Blackstone — so much so that it has raised Gillespie's profile within the halls of 345 Park Avenue. Indeed, one sign of his newfound status was his appearance in this year's video — as a reality TV show producer.

"People come up to me throughout the year, and they're like, 'My daughter is helping me rehearse so I might get a line next year,'" Gillespie told Business Insider. "People are really into lobbying to be in it."

Blackstone TV

Gillespie, 38, has been working on and off with Blackstone since 2012 but was only hired full-time after working on the 2018 holiday video. After graduating from Bard, a small liberal arts college overlooking the Hudson River, in 2008, he went straight to work in reality television, documentaries, and some corporate work. At Blackstone, he oversees both full-time production employees and outside contractors.

His team films, edits, and produces from Blackstone's headquarters at 345 Park Avenue. The company releases the content on its website and via email lists, as well as social media sites like LinkedIn, YouTube, Instagram, and X.

Some of what they produce is traditional: an executive sitting in an office opining on the state of the economy or a growing business opportunity. Gillespie appears to have a lot of freedom, however, to get creative.

More recently, he has taken to interviewing the firm's executives using his iPhone in a series of walk-and-talk interviews the firm has dubbed "Between Two Meetings." In one recent episode, Gillespie catches the firm's head of private equity, Joe Baratta, in the hallway and asks about the company's portfolio of owned and operated companies.

As Baratta starts to answer, a black bar with the word "REDACTED" appears over his mouth, and a closed caption appears on the bottom: "NOT APPROVED BY BLACKSTONE LEGAL AND COMPLIANCE." The audio of Baratta speaking is replaced with some loungey bossa nova as he walks through the halls to the elevator.

The audience (hopefully) walks away from that video chuckling at corporate America, but also with a sense of what it is like to work at Blackstone. Before the censors cut him off, Baratta was explaining that he was coming out of the firm's "weekly private-equity Monday morning meeting," which includes the entire team from around the globe. Schwarzman had been at the meeting, Baratta says, telling them about his recent trip to Asia.

In another series, Gillespie's video team interviews a series of managing directors. It's shot with upbeat music and spiffy editing like something you might see on the Food Network's "Diners, Drive-Ins, and Dives." The series seems geared toward highlighting Blackstone as a place to work, with questions like," What qualities do you look for in junior employees?," and "How do you overcome a career setback?"

Gray acknowledged that the videos can help with recruiting.

"I was interviewing someone yesterday who said they wanted to work here because of the holiday video," Gray told BI while filming a scene for the holiday video. "'You guys know how to make fun of yourself.'"

Showing that you can laugh at yourself is an important "humanizing" touch, Gray said, adding, "It shows you're a human-scale place."

"Jon Gray's baby"

Blackstone declined to comment on the cost of its holiday video or its internal video team, but Anderson said the company is saving money with its approach instead of relying on outside contractors.

"We started realizing that by having an in-house team, you could produce this stuff so much more efficiently and cheaply, and then you could just use this stuff for more moments," she said.

A BI reporter watched the filming of a few scenes adding up to 45 seconds in the final video. It took more than an hour to film these scenes, with a coterie of video and marketing professionals on set.

A video professional who has worked with both Blackstone and other financial institutions confirmed much of what Blackstone's executives said about their video-production process.

This person, who asked to remain anonymous to protect career opportunities, said Blackstone differs from other financial firms in its decision to forgo a costly production studio in favor of a team that shoots from wherever they can within the office. The end product takes viewers inside the firm's hallways and executives' offices, giving the videos a documentary feel.

The video professional said too many financial firms are "trying to make one room with four walls look interesting." They also said few financial firms have realized the benefits of investing in full-time video teams.

This person referred to Blackstone's holiday video as "Jon Gray's baby" and said Gray appears to have a great working relationship with Gillespie.

"They met and had a meeting of minds and just got each other," said this person, adding, "They brainstorm very well."

Gillespie credited Gray and Anderson with having the vision to invest in video.

"It feels like if you're not fluent in video these days, you're missing something," he said. "I think Jon and Christine caught that really early."

Gray is usually the first person to come up with the idea for the holiday video, Gillespie said. Sometime in the early summer, Gray will reach out to Gillespie and Anderson with some themes. Then, Gillespie, Gray, and Anderson work together on the script before shooting starts later in the fall.

It's a far cry from the firm's first holiday party in 1985, which included just nine people, Schwarzman told BI. When asked about the new approach, the firm's billionaire founder took a philosophical view.

"This is like your home and this is where you spend more time than you do at your home," he said earlier this month while decked out in a 10-gallon hat between video shoots. "So you have to have a range of experiences from intense work stuff to more casual stuff to the theater of the absurd. So here we are, the theater."

• Many of the 3,300 older Americans BI heard from recently regret not preparing enough for retirement.
• Financial planners described how younger people could set themselves up now to retire comfortably.
• This is part of an ongoing series about older Americans' retirement regrets.

For many Americans, their golden years can be a time of reflection — and regret.

Since mid-September, more than 3,300 older Americans have shared their retirement regrets with Business Insider through a reader survey or direct emails to reporters. Many said they wished they'd saved more, waited longer to retire, relied less on Social Security, or been more prepared for unexpected financial setbacks, such as a layoff, a medical diagnosis, or a divorce.

"I didn't really think about retirement in concrete terms," one 65-year-old wrote in response to a survey question about how people wished they planned for retirement differently. "I always felt I had time. Now I'm older, wholly unprepared, and without savings or a 401(k)."

We want to hear from you. Are you an older American with any life regrets that you would be comfortable sharing with a reporter? Please fill out this quick form.

BI talked to financial planners, wealth managers, and a personal-finance writer about what younger generations could do to avoid similar financial mistakes. This story is part of an ongoing series.

Start saving and investing as early as possible, even with a small amount of money

The amount of money Americans need to save for retirement can vary based on lifestyle and the local cost of living. In a survey conducted by Northwestern Mutual in January, the average respondent said they thought they'd need about $1.5 million to retire comfortably. Wealth managers and financial planners encourage young people with this goal — or any others — to understand their options, start early, and take advantage of employer-match programs.

Brad Bartick, a wealth planner at Baird, said Americans should begin saving for retirement while they're in college or in their early 20s. "Sobering though it may be," Bartick said, "success may require you to work a second job" or "earn a higher level of training or education."

He suggests people create a "ruthlessly honest budget" so they can identify places to cut spending and ways to pay down high-interest debt or build up an emergency fund. If money is tight, start by putting $25 to $50 per paycheck aside for retirement.

"That may not seem like much, but it is the behavior of saving — the habit, if you will — that is most important later in life," Bartick said. "Additionally, time will reward your having started early."

Bartick suggested that people whose workplaces offer retirement plans contribute at least the maximum dollar amount their employer will match and raise their savings rate as their salary increases.

A fact sheet published by AARP in December cited an estimate based on Census, IRS, and Federal Reserve data that about 56 million Americans in 2022 lacked access to retirement-savings plans at work. The vast majority of those people earned less than $50,000, meaning they may not have much surplus cash to save for retirement.

Judith Ward, thought leadership director and a certified financial planner at T. Rowe Price, said that not every employer clearly communicates which resources it offers, so workers may have to research what's available. She suggests people aim to save 15% of their salary annually.

A 72-year-old who responded to the survey implored people to "always, always, always take advantage of a 401(k) program with your employer and max it out," adding: "My mortgage was too big initially, so I didn't participate in the program for a few years. Big mistake."

Those lacking a retirement-savings plan at work can use individual retirement accounts, which most banks offer. Traditional IRAs offer tax breaks up front. Roth IRAs offer tax-free qualified withdrawals later in life. Bartick said higher earners should consider a Roth 401(k), as they're likely to be in a higher tax bracket later in life and can therefore save more money.

Bartick described investing as "the great equalizer" for young people looking to build a retirement portfolio, adding that most people can open a brokerage account and invest with few barriers. While investing can be lucrative, it involves risk and isn't a surefire way to build wealth.

Rob Williams, a managing director of financial planning at Charles Schwab, said the biggest regret he hears is that people waited too long to invest, missing out on years of compounding interest.

Retirees who didn't save or invest enough often rely on Social Security in their later years. Several older adults told BI they regretted collecting Social Security at 62 instead of 67, when their full retirement benefits would have kicked in.

A 77-year-old survey respondent who wrote that they "took Social Security too early" said they regretted cashing in on their benefit before reaching full retirement age. They added that working a lower-paying teaching job hurt their Social Security income and retirement savings later in life.

Prepare in case of a divorce or a spouse's death

Dozens of survey respondents said they regretted how they handled finances with their spouse. Some said they weren't on the same page about retirement goals, while others said the death of a partner disrupted their carefully laid plans.

Ward suggested married couples consider retirement as a household and analyze finances together, even if spouses keep their accounts separate.

"One of the biggest retirement mistakes I see is when a spouse assumes they share the same retirement vision," Ward said.

Many older adults told BI that a divorce hurt their finances. One 67-year-old survey respondent who got a divorce said they regretted "not having a 401(k) and thinking I would be OK because my husband worked hard all his life."

A study published in the Journal of Gerontology in 2022 found that from 1990 to 2010, the divorce rate for adults 65 and older nearly tripled. A BI analysis of 2023 individual-level Census Bureau data found that divorced retirees had lower average 401(k) balances, less savings, and a lower monthly retirement income than married people.

Elizabeth Ayoola, a personal-finance writer at NerdWallet, said people could protect some of their money and retirement savings with prenuptial agreements. However, prenups typically apply only to money and assets acquired before a couple ties the knot, so they provide less protection if the couple divorces later in life. She said that including major assets or money in a trust could be an effective way to secure wealth in a divorce, and she advised couples to have transparent conversations about finances at all stages of their relationship.

A spouse's death can also have detrimental financial ramifications. Older Americans told BI they struggled to get by without their spouses' paychecks or Social Security income. Others said a lack of a will threw them into a complex legal battle and probate process for their spouses' assets.

Ayoola advised couples to write a will and consider a life-insurance policy.

Build a nest egg to lessen the sting of sudden bills or loss of income

Some older Americans told BI that unexpected expenses or events, like medical diagnoses or layoffs, depleted their retirement savings.

One 78-year-old survey respondent wrote that her husband had heart problems and was recently laid off. She described wanting to reduce their housing costs but being unable to. "We are trapped in a large home living on Social Security and draining savings until it's gone," she wrote.

Dozens of older Americans said a layoff affected their retirement planning. Carly Roszkowski, a vice president of financial-resilience programming at AARP, advised older workers to continue updating their résumés and keep their skills sharp in case they're laid off.

Younger people may want to diversify their skills and prepare to pivot careers. They may also want to build an emergency fund to support themselves or loved ones if they lose their jobs.

"Build relationships with colleagues, mentors, and industry professionals. Networking can open doors to new opportunities and provide valuable support and guidance," Roszkowski said. "Reverse mentorship programs can be effective in organizations to help bridge generational gaps and build understanding and collaboration between different age groups."

Several older Americans said they stopped working or used up much of their savings because of a medical diagnosis. Healthcare researchers advise investing in routine checkups, factoring medical emergencies into nest eggs, and researching government-assistance options.

When a 69-year-old survey respondent and her husband began to struggle with health issues in their 50s and 60s, she said it took a toll on their savings: "Because of our health, I had to cash in my 401(k) for medical expenses at a very early age."

Financial planners told BI that people should analyze the value of their last-resort funding sources, like homes or life-insurance policies, so they know the total of their assets in a costly emergency. Ward said a healthy emergency fund for young people should include enough to cover three to six months' worth of expenses. As people age, they should allocate more: Retirees should have one to two years' worth of income, Ward said.

Sudden healthcare costs can drain emergency funds. Williams advised that people — whether they're young or heading into retirement — research their insurance options so they can reduce out-of-pocket costs.

Doug Ornstein, a director of wealth management at TIAA, argued that people paying high out-of-pocket healthcare costs in retirement "probably would have to live really bare-bones instead of being able to leave their kids some money or be able to do some trips and travel."

Benefits counselors can also help people determine the government aid they qualify for — the money may help them conserve savings and cover bills. The National Council on Aging estimates that up to 9 million older Americans are eligible for government assistance but not enrolled.

Ayoola said that benefits like SNAP or Medicaid could help lower-income people save money over time. "I would tell them to look around for as many government resources as possible to supplement their income," Ayoola said.

Are you an older American with any life regrets that you would be comfortable sharing with a reporter? Please fill out this quick form.

• Gwyneth Paltrow's lifestyle brand Goop has undergone two rounds of layoffs in recent months.
• The company has said it's pivoting to focus on beauty, fashion, and food.
• The changes highlight Goop's challenges to build a sustainable business beyond its famous founder.

Gwyneth Paltrow took a measured tone earlier this year when she discussed Goop, her newsletter turned e-commerce company, onstage at a Forbes event. She didn't brag about the nine figures the brand had raised or its latest product release. Instead, she said she was proud Goop was still in business.

"Some years we're down, then we're back up," she said. "I'm proud that we're still alive and kicking."

That might seem surprising for a company that was valued at $433 million in 2020 and was a trailblazer for what a celebrity brand could be. But it's reflective of a company that — despite its name recognition and pop-culture footprint — has undergone several painful pivots in recent years.

In September, Goop laid off nearly 20% of its staff, including its chief technology officer and VP of content. A few weeks later, it laid off about 6% of the remaining employees.

Goop's recent cuts come as the company shifts focus to its beauty, fashion, and food businesses. It's the latest in a series of strategy changes over the last several years.

Changes in focus are normal for a startup. Still, after 16 years of existence, the company isn't profitable and continues to struggle to build a firm foundation apart from Paltrow.

The company's once-buzzy supplement regimens generated $100,000 in sales on the day they launched in 2017. Now, only one of the four initial regimens is still offered online, and for a discount. A Goop spokesperson told Business Insider that any new supplements it launched would be part of its beauty business.

Julia Hunter, a Goop board member and the former CEO of Jenni Kayne, addressed some of the company's struggles in an interview with Puck, published after BI sent Goop a series of questions for this story.

"The company is doing very well from a revenue perspective, but
operating expenses have continued to grow," Hunter said. "I know that it's unpopular to let people go, but they hired a lot of people that they probably shouldn't have."

On the content side, Goop has recently cut many editorial positions, including the VP of content, head beauty editor, and several other editors. A review of Goop's website shows few new articles, and its book imprint hasn't published a new release in over a year. The magazine ran two issues before folding, and while there were reports that Goop's Netflix series, "The Goop Lab," was renewed, it hasn't materialized.

Paltrow's importance to the brand is evident in product launches, two former Goop employees told BI. They spoke on the condition of anonymity for fear of retaliation; their identities are known to BI.

When she's part of a launch — what is called in Goop parlance an "A launch" — the performance of the advertising on social media "quadruples," one of the former employees said. Performance often drops off once she's no longer involved, this person added.

Last month, a video featuring Paltrow that promoted Goop's newest release, a retinol serum, drew 1,100 likes on Instagram. The next day, a second post about the serum — which didn't include Paltrow — got fewer than 275 likes.

"Brands need to find viable business models, rather than simply a celebrity face," Simeon Siegel, an analyst at BMO Capital, said of A-list entrepreneurs.

The celebrity brands that have grown to be the largest — like Kim Kardashian's Skims, Rihanna's Fenty, and Selena Gomez's Rare Beauty — have moved beyond their founder's image. Skims, which is valued at $4 billion, has made using models from popular culture a core part of its marketing strategy, for instance.

From newsletter to e-commerce shop: over a decade of pivoting

Goop's founding story has become lore to a certain type of aspirant. In 2008, Paltrow was sitting in the kitchen of the London house she shared with her then-husband, Chris Martin, when she decided to pen a newsletter for "family, friends, and friends of friends." The issue featured a recipe for banana muffins and photos shot on Paltrow's Blackberry.

"It was one of the first of its kind to leverage a curated lifestyle of a celebrity," Stacy Jones, the CEO of branding agency Hollywood Branded, told BI. "It is aligned to her own personal brand in a very unique way that hadn't been done to that extent before."

Before long, Paltrow was earning small checks from advertisers and began dreaming of a media empire.

Paltrow hired media veterans from Meredith and Condé Nast to run the publication. There was a lifestyle website with travel guides and interviews on alternative medicine. In 2015, Paltrow launched a publishing imprint, Goop Press, and in 2017, a magazine in partnership with Condé Nast. Conferences promised to be the next big thing for the brand when the In Goop Health Summit series kicked off in 2017, offering (mainly) women the promise of looking and feeling like Paltrow for the four-figure ticket price. In 2020, as streaming entered its golden age, she scored a deal with Netflix.

But Goop suffered in recent years amid a broader digital media downturn.

"Advertising business as a big part of revenue started to decline, and that was probably the biggest shift to revenue of the last several years," Hunter told Puck, adding that going forward, editorial would be "integrated with social media."

Paltrow still posts regular episodes of the Goop podcast, and after a few years off due to the pandemic, the In Goop Health Summit returned last year.

That said, Goop's media projects appear to have been largely shut down, as many of the staffers behind them were affected by the recent cuts.

As Goop's media initiatives fell short, its e-commerce ambitions — or what the company dubbed "contextual commerce" — took center stage.

The core of its e-commerce business has ebbed and flowed over the years. First, it pushed skincare, then fashion, then wellness.

Now, it's back to beauty and fashion.

"It's a lot of testing" of different verticals, the second former employee said.

In the latest restructuring, the hope of a revitalization

In May, Goop brought in outside consultants, led by Hunter, to help streamline the organization and reduce payroll.

Then, in September, Goop announced its latest pivot, saying it would double down on fashion, beauty, and food. These aren't new initiatives for Goop, but the company has touted their recent growth.

G. Label, the company's in-house clothing line, launched in 2016. The company told BI that the brand's sales are up 45% this year compared to the same period last year, but declined to share its revenue numbers.

The two former employees said they felt G. Label had historically underperformed partly because it was initially designed to fit Paltrow, who, at a slender 5-foot-nine-inches tall, has a much different figure than the average American woman.

"We were just putting together whatever Gwyneth felt like wearing," the first former employee said. They added that the company revised the line in the last year using a new, standard-fit model, which they said had helped its sales.

The Goop spokesperson said a new designer had been hired for G. Label in the last year, who revamped the line.

Goop's first foray into beauty was also in 2016.

A few of the products have repeat customers — the neck peptide serum is a top seller — but there isn't a breakthrough hero product.

Some recent efforts to expand the beauty offerings haven't taken off. Last year, the company launched Good Clean Goop, a moderately priced line, in Target and Amazon. Since then, the company has discounted a number of the brand's products, including the Daily Juice Cleanser and Aging Serum. Puck reported in June that Good Clean Goop was in the bottom 15% of beauty brands at Target. The brand has not posted on social media in more than a month. The two former employees said Goop's contract with Target ends at the beginning of next year.

Then there's Goop Kitchen, the "food" piece, which is not part of the core company. The Goop spokesperson said Goop Kitchen is set up as a joint venture and called it a "separate commercial entity." They declined to share what ownership stake Goop has, if any.

Goop has publicly touted growth statistics — like a 25% sales increase for Goop Beauty and a 45% increase for G. Label. The former employees said these figures were driven in part by an influx of paid ad spend.

The Goop spokesperson declined to comment on whether the company is profitable. Hunter told Puck it wasn't.

Whether Goop's latest efforts to boost revenue and cut back on staff are enough to turn the company around remains to be seen. Paltrow, for her part, has hinted that she wants Goop to thrive without her.

"I don't think I can have this job forever," she told The New York Times last year. "I think it would be nice to return my investors' money, and I really want to do that. That's important to me."

• Healthcare-focused AI startups are raising billions to help improve the US system.
• AI can help streamline clinical documentation, drug research, and medical billing.
• This article is part of "Trends in Healthcare," a series about the innovations and industry leaders shaping patient care.

The founder of Suki, a startup that uses artificial intelligence to automate healthcare documents, raised $70 million in funding from investors in a Series D round that was disclosed this past fall.

He said it really didn't take that much persuading: With an epidemic of stressed- and burned-out physicians, there was an obvious need for their AI software, he added.

"Most of the investor conversations over the last year and a half have been, 'Well, it looks like the market is here,'" said Punit Singh Soni, Suki's founder. "Are you going to be the winner or not?"

Suki sells an AI-powered assistant that takes notes during a conversation between patients and clinicians. The notes can be reviewed by the doctor and submitted as an electronic health record. This saves time on administrative tasks and allows physicians more time to take care of patients, a resource that's becoming increasingly limited among healthcare professionals.

Surveys have consistently found that doctors and other medical workers are burned out from working in an often overloaded, convoluted, and inefficient system. The US spent $4.8 trillion on healthcare in 2023, according to a January report from the Peter G. Peterson Foundation. The US also spends more per person than nearly all other developed nations, according to a report by the Organization for Economic Co-operation and Development. Despite this, health outcomes were poorer, with Americans facing a lower life expectancy, higher rates of treatable and preventable excess deaths, and less efficient healthcare systems.

Cash-strapped hospitals and private practices have lagged behind the financial-services and telecommunications industries in applying newer technologies, but the healthcare industry is increasingly considering artificial intelligence as it contends with high labor costs and a lot of opportunities to automate routine tasks. The pandemic exacerbated these challenges with staffing shortages as overworked doctors and nurses quit the profession.

To make healthcare more efficient, AI startups like Suki, Zephyr AI, and Tennr have raised millions with vast promises, including making repetitive tasks like billing and note-taking easier, improving the accuracy of clinical diagnosis, and identifying the right patient population for emerging treatments.

But the challenges are vast. The healthcare industry's budget allocations for generative AI are trailing those of many other core industries, such as energy and materials, consumer goods, and retail. Clinical diagnosis will continue to require a human in the loop, so the process can't be fully automated. The healthcare industry is highly regulated, and quite often, venture capitalists will wait for clarity on laws from the federal government before aggressively pushing AI tech advancements forward.

A $370 billion bet on boosting the healthcare sector's productivity

The consulting firm McKinsey estimates that generative AI can boost productivity for the healthcare, pharmaceuticals, and medical-products industries by as much as $370 billion by accelerating drug research, making clinical documentation easier, speeding up medical billing, and helping doctors make diagnoses.

Some big funding rounds announced in 2024 highlight the diverse use cases for AI in the healthcare sector. They include $150 million raised by the clinical-documentation AI startup Abridge in February, the drug-discovery AI startup Xaira Therapeutics bringing in $1 billion before its launch in April, Atropos Health's $33 million Series B in May to help doctors analyze real-world evidence with generative AI, and the medical-billing-automation provider Candid Health raising $29 million in September.

Parth Desai, a partner at Flare Capital Partners, has steered investments into healthcare startups such as Photon Health and SmarterDx. He said that healthcare organizations had been dedicating more money to bolster their AI strategies, beginning in late 2022 and accelerating through 2024. That's boosting demand for the tools these startups are developing. There's also less pressure to immediately prove a return on investment, which budget-conscious health systems have closely monitored in the past when allocating dollars for technology.

"The thing that we're really studying before making an investment decision is: Do budgets exist today to pay for this technology?" Desai told Business Insider. "Or are they going to exist in a large-enough fashion in the next five to 10 years to support this technology?"

Candid Health and Akasa aim to cut costs and automate medical billing

One area of particular promise has been medical billing, which could benefit from large language model automation. An LLM could, for example, analyze a large volume of claims in a client's system and accurately match them with insurers' unique billing codes, a process required for repayment to a physician for their services. Hospitals have traditionally relied on human medical coders to hunt down reimbursements from insurers.

"The software used to do billing was built a long time ago and basically wasn't kept up to date," Nick Perry, a cofounder and the CEO of Candid Health, said.

Malinka Walaliyadde, the CEO of Akasa — another medical-billing-focused AI startup — said the company builds customized LLMs for each healthcare institution it serves. Typically, the aim for these LLMs is to lower costs by lessening the reliance on human medical coders. This often reduces errors in billing and speeds up repayment cycles.

"We looked at what are the biggest pain points for health systems," Walaliyadde told BI. He said that Akasa's focus is on developing LLM products for medical coding and simplifying prior authorization, a process that requires approval from a health-plan provider before a patient can receive a treatment. "Those are the ones where you could really move the needle," Walaliyadde said.

AI for health screenings

George Tomeski, the founder of Helfie AI, is in the middle of pitching investors to raise as much as $200 million in a new round of funding that he hopes to close by the first half of 2025.

Tomeski said the funding would help Helfie scale as it exits beta testing for the company's app. The app, also called Helfie, uses a smartphone camera to do medical "checks" that screen for illnesses including COVID-19, tuberculosis, and certain skin conditions.

"We're targeting all the health conditions that lead to avoidable mortality," Tomeski said, adding that the app focuses on respiratory and cardiovascular conditions. The intention is for these checks —which can cost as low as $0.20 a person per screen — to serve as a form of preventive care and as an incentive to go see a doctor in person.

While some funding is going toward sales and marketing, talent acquisition, and ensuring adherence to regulations around privacy and healthcare data, a large chunk is still being allocated to product development as AI tech advances quickly.

Dr. Brigham Hyde, a cofounder and the CEO of Atropos Health, said his latest funding announcement, in May, was timed to coincide with the geared-up launch of ChatRWD, an AI copilot that can answer doctors' questions and quickly churn out published studies based on healthcare data. Hyde said he's keen to bring in big partners this time, including the pharmaceutical giant Merck and the medical-supplies and equipment maker McKesson.

But Hyde also had to show some restraint. He said that when Atropos Health moved forward with its Series B rounds, dozens of venture capitalists expressed interest in leading the round. The company was offered up to $100 million but took only one-third of that amount.

"I don't always think that's a good idea," Hyde told BI. "As a founder, you want to raise the right amount of money for your business and for the stage you're at."

It may be tempting to take more, as many healthcare AI startups — a vast majority still in the seed and early-stage funding rounds — are racing to outmaneuver rivals. Even if the technology is right, it has to get past regulatory approvals and persuade cautious hospitals and health systems to open up their wallets.

"You can build as much product as you want, but you can never build a market," Soni of Suki said. "It shows up, or it doesn't show up."

• Elon Musk and Vivek Ramaswamy pressured Republicans to scrap their bill to keep the government funded.
• The US government is now set to shut down early Saturday morning if Congress doesn't act.
• A shutdown would furlough thousands of federal workers, impacting programs many Americans rely on.

The US is once again on the brink of a government shutdown following intense pressure from President-elect Donald Trump and his newly created DOGE commission.

It would mean federal workers are temporarily out of work, and Americans could experience slowdowns at airport security and customer-service delays for programs like Social Security. During the last government shutdown under Trump, national parks shuttered and flights were delayed or rerouted because of limited transportation staffing.

The possibility of a shutdown starting at 12:01 a.m. Saturday comes after the House of Representatives seemed poised this week to approve a continuing resolution to keep the government funded through March. However, following intense criticism on social media from Trump and the leaders of his new Department of Government Efficiency, Elon Musk and Vivek Ramaswamy, House Republicans scrapped the bill.

They took issue with the inclusion of a range of items in the bill that they said were not relevant to government funding, including pandemic preparedness and a pay raise for lawmakers.

Ramaswamy posted on X on Wednesday morning that the bill is "full of excessive spending, special interest giveaways & pork barrel politics."

Musk also wrote on X on Wednesday that a government shutdown is "infinitely better than passing a horrible bill."

Trump and his vice president-elect, JD Vance, released a joint statement Wednesday saying the resolution would "give Congress a pay increase while many Americans are struggling this Christmas."

Now, Congress must find a new funding solution in just over 24 hours, leaving Americans on the brink of the first government shutdown since 2018. Here's what that could mean.

What happens in a government shutdown

Every federal agency is required to prepare for a government shutdown by creating contingency plans to submit to the Office of Management and Budget. Each agency outlines how it will structure its workforce in a shutdown, including how many workers it will furlough and for how long.

This means federal workers would be affected first, with many finding themselves temporarily out of work. The longer the shutdown lasts, the more severe the consequences for Americans would be, but if federal workers are furloughed, agencies will be strained to carry out their usual daily functions.

For example, the Social Security Administration's latest contingency plan said it expects to furlough 8,103 of its 59,000 employees at the start of a shutdown. This means that while Social Security payments would still continue to reach Americans, customer service would be limited for beneficiaries dealing with payment issues.

During a government shutdown, active-duty military service members would remain on duty but may go unpaid until funding is restored. The Department of Education's latest contingency plan, from 2023, said that it would have to pause most of its grantmaking activities during a shutdown, including its review of grant applications from local school districts.

The Department of Transportation's contingency plan in 2024 said that while facility service inspections and air-traffic-controller training would cease, essential services like air travel would continue. The Department of Homeland Security's most recent contingency plan said that the Transportation Security Administration would furlough over 2,000 workers, likely resulting in longer wait times for travelers at airports.

The US Postal Service, however, would not be affected by a shutdown because it's an independent agency.

Additionally, a 2023 brief from the progressive think tank Center for American Progress said that a number of federal programs "immediately cease" during federal shutdowns, including the processing of new small business loan applications, workplace safety inspections, NASA research programs, and federal loans to farmers.

The collapse of the previous deal means the clock is ticking for both parties to come to an agreement on avoiding a government shutdown before the weekend.

Karine Jean-Pierre, the White House press secretary, criticized the recent government shutdown threats in a statement Wednesday.

"Triggering a damaging government shutdown would hurt families who are gathering to meet with their loved ones and endanger the basic services Americans from veterans to Social Security recipients rely on," she said. "A deal is a deal. Republicans should keep their word."

• Lawmakers in both parties say Elon Musk played a major role in tanking a government funding bill.
• Now the government is on the brink of shutting down.
• It's an early sign of how he'll wield influence as the co-lead of DOGE.

After a government funding bill went down in flames on Wednesday, lawmakers in both parties were in agreement about one thing: Elon Musk played a huge role in bringing Washington to the brink.

"Yesterday was DOGE in action and it was the most refreshing thing I've seen since I've been here for 4 years," Republican Rep. Marjorie Taylor Greene of Georgia wrote on X.

"The leader of the GOP is Elon Musk," Democratic Rep. Brendan Boyle of Pennsylvania wrote. "He's now calling the shots."

President-elect Donald Trump and Vice President-elect JD Vance put the final nail in the coffin of the bill, but their joint statement trashing the continuing resolution — and issuing a new demand for Congress to raise the debt ceiling — came after several hours of silence on the matter.

That void was filled by Musk and his Department of Government Efficiency co-lead, Vivek Ramaswamy, who savaged the bill as an example of the wasteful spending that Trump has empowered them to target for elimination during his second term. Newly galvanized by DOGE and lacking any guidance from Trump, several Republican lawmakers publicly cited arguments put forward by the two leaders to justify their opposition to the bill.

"This omnibus is the very thing the incoming Department of Government Efficiency is trying to put an end to," Rep. Eric Burlison of Missouri wrote on X. "A vote for this monstrosity is a vote against DOGE."

As Republican support for the bill dried up, passage through the GOP-controlled House became an impossibility, and the bill was scrapped.

Federal funding is set to run out at midnight on Friday. If lawmakers are unable to agree upon and pass a new bill by then, the government will shut down for the first time in six years, prompting flight delays, closures of national parks, and paycheck delays for federal workers.

In a statement to Business Insider, Karoline Leavitt, a spokesperson for the Trump-Vance transition, disputed the notion that Musk is the leader of the GOP.

"As soon as President Trump released his official stance on the CR, Republicans on Capitol Hill echoed his point of view," Leavitt said. "President Trump is the leader of the Republican Party. Full stop."

Musk did not respond to a request for comment.

'This bill should not pass'

Over the past several weeks, Democrats and Republicans had been hammering out a compromise bill to fund the government through March 14. After significant delays, the bill's text was released on Tuesday night.

Aside from extending government funding at current levels for another three months, the bill also included language allowing the District of Columbia to take control of a stadium that the Washington Commanders have long sought to use, a modest pay increase for lawmakers, billions of dollars in disaster relief for states affected by recent hurricanes, and other provisions that Trump and Vance later characterized as "giveaways" to Democrats.

Musk first came out against the bill on Wednesday morning, writing on X: "This bill should not pass."

Over the course of several hours, what began as a simple statement of opposition turned into something much larger, including Musk endorsing shutting down the government until January 20 and saying that any Republican who voted for the bill would deserve to be voted out of office.

Along the way, Musk made and amplified false claims about the contents of the bill, including that it included a 40% pay raise for lawmakers (it was 3.8% maximum) and $3 billion for the Commanders' stadium.

By the time Trump and Vance weighed in on Wednesday afternoon, the bill already appeared dead, and the two men had a different demand: Lawmakers shouldn't simply shut down the government but pass a spending bill without "giveaways," while raising the debt ceiling.

Musk, the 'shadow president'

It remains unclear what legislation will emerge. Democrats have insisted on moving forward with the deal they struck with Republicans, and House Minority Leader Hakeem Jeffries rejected in Thursday-morning a Bluesky post the idea of raising the debt ceiling.

The government spending bill's collapse was an early demonstration of Musk's newfound clout with Republicans on Capitol Hill, previewing how the mercurial billionaire might handle the role of DOGE co-lead under Trump.

Over the past two years, a pattern has emerged in government funding and other fiscal fights. Both parties work on compromise legislation, hard-line Republicans rail against it, and both the House and the Senate easily pass it with mostly Democratic votes.

On Wednesday, that pattern was broken, with a shutdown appearing imminent.

For hard-line Republicans who've typically opposed government funding bills, it marked a moment of elation and a sign that with the advent of DOGE, the balance of power is set to shift in their direction under Trump.

Some Democrats, meanwhile, have seized the moment as an opportunity to embarrass Trump, painting him as subordinate to Musk.

In a steady drumbeat of social media posts and TV interviews, Democrats have begun referring to Musk as the "president-elect," the "shadow president," the "copresident," and even the "decider in chief" as they've attacked Republicans for opposing the bill.

Rep. Rosa DeLauro of Connecticut, the top Democrat on the House Appropriations Committee, released a fact sheet about "what Elon will cost your state" that said "President-Elect Musk's" opposition to the government funding bill had also derailed disaster-relief funds.

"It is dangerous for House Republicans to have folded to the demands of the richest man on the planet, who nobody elected, after leaders in both parties came to an agreement to fund the government and provide this disaster aid," DeLauro said in a statement. "There was no need for a government shutdown."

Musk, for his part, rejected the notion that he was the real leader of the GOP.

"All I can do is bring things to the attention of the people," he wrote on X, "so they may voice their support if they so choose."

• AI tools can help reduce the need to attend some work meetings and boost productivity.
• These apps can summarize meetings, answer workers' questions, and train employees.
• This article is part of "Transforming Business," a series on the must-know leaders and trends impacting industries.

Matt Martin knows about meetings run amok.

He's the CEO and cofounder of Clockwise, which aims to help people manage their work calendars so they have more time to get things done — and not just sit in meetings.

Earlier this year, in a bid to be more efficient, he started using an artificial-intelligence tool called Granola to help him take notes in meetings and summarize takeaways and to-dos.

The result for Martin is time saved and "actually pretty damn good notes," he told Business Insider.

Efforts to reduce the sting of meetings are perhaps as old as meetings themselves. Yet the imperative can feel more urgent thanks to our propensity, hardened during the pandemic, to wedge more gatherings into our calendars.

Now, thanks to AI, we might soon have fewer work meetings — or at least attend fewer. It's likely, according to execs leading the development of the technology, that corpulent calendars will be no match for AI-powered notetaking apps capable of being everywhere all at once.

And AI meeting bots won't serve just as digital scribes. They'll resemble all-knowing, indefatigable assistants able to take on tasks like answering questions on our behalf, interviewing job candidates, and training workers, execs told BI.

The boss' avatar

Sam Liang generally has as many as 40 meetings a week.

It's not practical for him to attend each one, so sometimes he sends an AI stand-in. This is easy enough for Liang since he's the CEO and cofounder of Otter, an app that records audio from meetings and produces a real-time transcript using AI.

Liang told BI he uses Otter to forgo some meetings. He then reads the summaries or listens to the recording. Liang expects more leaders will soon do this.

He estimated that perhaps 20% of C-level executives would use AI avatars to attend routine meetings on their behalf by the end of 2025.

In his case, Liang has an avatar that acts like a "personalized agent." Otter trained the AI using seven years' worth of Liang's meetings, along with emails and some Google docs he wrote on topics like product principles, Otter's strategies, and why the company does certain things.

"When people ask me those questions, my avatar can answer probably 90% of those," Liang said.

This knowledge can flow to new hires at Otter. Liang said his AI avatar could use what he's said and written to explain his vision for the company, its strategies, and its origin, for example.

A view of the future

The ramifications of having an ever-present AI available to document our workdays — and beyond — will be similar in scale to that of the introduction of the internet, said Terry Sejnowski, a distinguished professor at the University of California, San Diego, who's a neuroscientist and the author of the book "ChatGPT and the Future of AI."

"Nobody predicted the impact it was going to have on our lives," Sejnowski said. "Same thing here. It's going to take decades."

He said keeping track of meetings and other interactions would go well beyond capturing audio or video. Sejnowski sits on the scientific advisory committee for Softeye, a startup developing glasses intended to work with a smartphone to serve as an AI assistant. Similar attempts have been made, of course. Remember Google Glass?

Ray-Ban Meta glasses allow users to take photos and videos. In September, Meta CEO Mark Zuckerberg said updates to the glasses aimed to let users translate certain languages, scan QR codes, and capture images of what they've seen so they can refer to them later when, for example, they need to buy something.

Softeye's plan, Sejnowski said, is to have glasses that constantly recognize objects and people around the wearer and provide related information. He said they would also take snapshots and store them, along with the time they were taken. That would make it possible, he said, to reconstruct where a user was — and rely on the AI assistant.

"You can ask it questions," Sejnowski said. "Did I promise anything to this person?"

Highlight reels of meetings

Richard White, like so many other desk workers, found himself stuck on endless Zoom calls during the pandemic.

He found it frustrating to take notes, jump to another call, and have little time to clean up his takeaways in between. Plus, White said, even good notes weren't always reliable after too long.

"Do you really remember what was important?" he said.

Four years ago, White started Fathom, a company that uses AI to capture video and generate notes from meetings.

People don't necessarily want a transcript, he said, though it's often necessary for AI to work its meeting magic — including generating notes, making to-do lists, and updating data on customer-relationship management.

White said that what most meeting-goers are after, aside from a list of action items, is a better recall of the ephemeral and unstructured information that's often delivered at these gatherings. Showing up, White said, is often the only way to access it.

He said AI notetakers would be able to produce highlight reels of key meeting moments. The goal, White said, would be to reduce "meeting inflation" by enabling fewer people to attend them while maintaining information flow.

"You'll have an AI that actually goes out and listens to every meeting in your org and comes back and tells you, 'Here's the five minutes of content you should pay attention to today,'" White said.

White said an accessible record of all but the most sensitive meetings within an organization could serve as a basis for identifying gaps in training or generating feedback. That's in part because AI can now accurately discern sentiment and tone — something that's become possible only in the past six months to a year, he said.

Beyond that, he said, AI meeting bots will be able to act on ideas. So if someone in a meeting proposes creating a document, the AI would have a draft ready soon after.

White doesn't expect we'll necessarily each have individual bots that go to meetings on our behalf. He said that would quickly result in meetings swimming with AI avatars.

The best approach, White said, would be to use a "federated" system where all the meetings are accessible. That way, anyone not in the meeting could access the content through a personal agent that lives in the cloud, he said.

White said bosses could ask AI for instances in which a meeting was positive or when participants grew frustrated. A search might take the form of, "Give me a pricing discussion that didn't go well," he said. That goes well beyond parsing a transcript for the word "price," he added.

"The tech is finally there, and it's really good," he said.

An interview with AI

AI could also help document meetings with prospective employees, said Alan Price, the global head of talent acquisition at Deel, a global human resources company that helps employers hire abroad. Price told BI that Deel had begun using AI meeting tools to reduce the time and personnel needed to hire for roles like customer service.

That's important because when Deel posts that type of job, Price said, the company might soon have some 4,000 applications. So Deel uses an AI bot to conduct an initial interview with promising candidates. Then, a recruiter can evaluate the summary of the interview and, if necessary, review the audio and video to determine whether the candidate should move on to an interview with a person.

Price said that rather than spending 30 minutes on a single interview, a recruiter could review five or six interview summaries in that same time.

That bump in efficiency has enabled a single recruiter to hire 30 to 35 candidates within about two weeks, he said.

"The recruiter makes the decision," Price said, "but it's streamlined."