Nearly all credit unions and some banks enable you to open at least 10 named savings accounts with only a $5 minimum balance
Hey Rebels! Let's dive into this week's issue to help you become smarter about money, investing and business in less than 10 minutes a week.
Weekly Intel
Stay current with top news from the business, money, and investing world.
Top Stories
❄️🍝 The 2026 Winter Olympics have officially begun! Spanning several stadiums and venues from Milan to Verona to the Italian Alps, this is the most spread-out Winter Olympics yet. The opening ceremony focused on peace and unity, which I thought was redundant, since there is obviously no contention or violence in the world at all right now. (more)
🐐 Scapegoat AI: Like my little sister when we prank-called the police in 2007, AI is taking the blame. Tech and other companies keep citing AI as a reason for layoffs -- but is it true? Recent research shows that automation isn’t widely replacing workers; it just sounds better to investors. Easier to blame new exciting tech than explain why you can’t pay your employees. (more)
💉 The skinny on GLP-1 Drama: Hims & Hers are selling a cheaper knockoff of Wegovy, an oral weight-loss drug made by Novo Nordisk. But does it work? And will the FDA get involved? (more)
By the numbers
🏚️ 44%: the percent of existing homes for sale that were under a Home Owners Association last year, up from 34% in 2019. (more)
⛷️ One: How many new events are getting added to the Milano-Cortina Winter Olympics this year. It’s ski mountaineering, or “skimo,” where they pretend the chairlift is broken and have to hike up the mountain before skiing down. SIGN ME UP to watch on the TV because that sounds miserable. (more)
🍼 16.9%: how much Jennifer Garner’s kids’ food brand, Once Upon a Farm, rose in its stock market debut on Friday. (more)
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The Financial Rebellion Way
Rebel against your Savings Account
That generic savings account is a financial junk drawer where money goes to disappear. Traditional advice says “just save”—but traditional advice is why you’re still broke.
The digital envelope rebellion:
Kill the generic account: “Savings” means nothing. Money without a mission gets spent on nothing.
Name your money like it matters: “Bali 2025,” “New Laptop Fund,” “Tattoo Money,” Named accounts don’t get raided for random Amazon purchases.
Create multiple accounts NOW: Nearly all credit unions and some banks enable you to open at least 10 named savings accounts with only a $5 minimum balance. One for travel, one for hobbies, one for clothes. Each dream gets its own home.
Big picture: Rich people don’t have one savings account—they have systems. When you see “Savings: $500,” you see available money. When you see “Japan Trip: $500,” you protect that dream. Traditional education keeps you hoping. Named accounts make you unstoppable.
Markets - stocks and crypto
In under 3 minutes, start investing spare change, saving for retirement, earning more, spending smarter, and more.
Click the image above or this link to earn a special $40 bonus.
Prices for the week ending January 30, 2026:
▼ S&P 500 | 6,932 | -0.82% |
▼ NASDAQ | 23,031 | -2.77% |
▼ GOLD | 5,082 | -1.5% |
▲ APPLE (AAPL) | 278.12 | +4.15% |
▲ ONCE UPON A FARM (OFRM) | 21.05 | +16.94% |
▼ BITCOIN (BTC) | 69,485 | -11.54% |
▼ ETHEREUM (ETH) | 2,101 | -10.11% |
Stock and Crypto Moves
A Little Bit(coin) of Panic: the cryptocurrency plummeted to $63,000 on Thursday, its lowest price since October 2024. By this weekend, it had climbed back above $68,000 but was still down 46% from its October 6 all-time high. (more)
The Spirit of the new Frontier: Airline stocks, especially budget carriers, climbed sharply as investors reacted positively to news of U.S.–Iran talks that might ease geopolitical tensions and bring some relief to fuel prices after a volatile start to 2026. (more)
Cruel and Unusual Punishment? Some analysts argue that investors are wrongly punishing Amazon’s stock over its massive $200 billion capital expenditure plan, saying the spending reflects long-term growth opportunities. (more)
The Apple (CapEx) is falling far from the tree: Unlike its major tech peers that boosted capital expenditures for AI infrastructure, Apple’s capex actually declined in the most recent quarter as it pursues a more measured strategy leveraging third-party AI services and hybrid infrastructure.
What the heck is “CapEx”: Capital Expenditures. It’s the money companies spend on big-ticket items that last for years—think buildings, equipment, and machinery. It’s not daily expenses like salaries; it’s the serious investments in physical assets that keep the business running in the long term. (The more you know)
Real Money Moves
Beth, 36 - Spring Valley, Ohio
Each week, we feature a reader’s smartest and dumbest money moves. We’re all in this together; let’s learn from each other.
Best Money Move - Bought a farm
"My husband and I purchased a 13-acre farm in Spring Valley, Ohio, and it just makes us very happy."
"It's also to us a great investment. Our property value continues to increase and a lot of people are wanting land."
"We live on property that's priceless because it's a home and not just a house on land."
Worst Money Move - Cashed out inherited Roth IRA
"I inherited a Roth IRA. I didn't get the right guidance from people to tell me to reinvest."
"I was just told to take it all out and not to reinvest it. And so that is what I did.”
"I would not recommend doing that. I was very young and definitely learned a lot from that experience."
The bottom line: Every money move teaches you something — whether it builds your net worth or humbles your ego.
Got a story? Send it in. You might help someone dodge a mistake or make a smarter call.
Side Hustle Differently
Each week, we focus on money-making opportunities for a side hustle that could potentially become a full-time venture. No MLM schemes, no “passive income” lies, just real strategies for stacking cash outside your 9-5.
L&L Collective
Beth Romer (36 years old) went from retail buyer to running an 8-person marketing agency because she realized businesses would rather pay someone else to figure out Instagram than do it themselves.
Marketing agency maverick:
L&L Collective grew out of Beth’s strength in relationships, ideas, and connecting people. The work expanded over time, from social media to a full marketing operation, proving that you don’t need to do everything on day one.
From self-doubt to inconsistent income to investing in a team before taking home a paycheck, this was not a smooth ride. Growth required getting uncomfortable, challenging old narratives about “not being smart enough,” and continuing anyway.
Behind every “successful” business is years of trial, failed ideas, coaching, faith, and persistence. The real work happens quietly, long before it looks impressive online.
Big picture: Beth says it best: “You have to have faith that it's gonna work out. You have to have faith in something bigger than you, and you have to believe that you're capable, and you have to work your butt off. Any masterpiece will take time…Work really hard at something and create a masterpiece and be proud of it.”
Check out the Financial Rebellion podcast to learn about how to turn your passion into profit.
Bank Like A Rebel
While big banks profit from your mistakes, credit unions invest in your financial education. Weird how doing the right thing is considered rebellious.
Did you know the myths about credit unions versus banks? Debunked here.
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Interested in becoming a Financial Rebellion Partner? Reach out to [email protected].
We’ll catch you next week. Rebels OUT.
Todd Romer: Founder and Writer
Corinne Clarkson: Writer and Editor
Dallin Merrill: Chief Newsletter Overlord
Disclaimer: The advice provided in Financial Rebellion is not considered to be financial or legal advice of any kind. It is your responsibility to dig deeper on any opinions or recommendations given.