🤬 “Annoyance Economy” — Why Surcharges surge. Amazon’s car biz. Sotheby’s starving artists. +Tomato Blockade

0:28This is Nick. This is the best pod we've ever done or what? Jack, three fantastic stories for today's show. What do we got on the T-Boy? For our first story, Amazon is now America's biggest car dealer. Seven car brands are now in the everything store. Because Amazon doesn't sell stuff. Amazon sells access. For our second story, something strange is going on in the art market right now. Sotheby's is spiraling. Besties, why is the auction house Sotheby's not paying its painters? Jack and I jump in T-Boy style. And our third and final story, we found an articulation that captures everything we hate about this economy as consumers.

1:05This is the annoying economy and everywhere surcharges for everything. But yet, before we hit that wonderful mix of stories, I mean, like we said, best mix out there, Jack. Love the mix today. Nick, nine of the 10 biggest stock moving days of the last year were caused by either tariffs or the war in Iran. But besties, nothing in our economy has been more affected than the tomato. The ripe, red, vegetable-ish fruit is at the center of the geopolitical stage right now. Because yet, the price of the humble tomato has jumped by 15 % in the last month. Because multiple macro forces are crushing our tomatoes.

1:42First, Jack, we buy two-thirds of our tomatoes from down in Mexico. But the trade war put a 17 % tax on those imported tomatoes. Okay, but then, Jack, you got a real war going on in Iran. The strait is still closed. Prices are still at$100 a barrel for oil. Diesel fuel, that's what's needed to transport all those tomatoes across the border. And diesel prices have doubled since February. Plus, Jack, since a third of the world's fertilizer passes through the Strait of Hormuz, your tomato plans just got julienned. And finally, American demand for the tomato has never been higher. Pasta sauce, pizza sauce, ketchup, salsa.

2:16It's the quarterback of every entree. Bingo, besties, the tomato. It is making the avocado jealous these days. Tomato. It already had main character energy in your shakshuka. Yeah, now it's the main character of the inflationary economy. Tomato. It's the new X. I don't buy her an engagement ring. Stick a tomato on that finger. Jack, let's see that through this thing. 15 years before this song, two boys from the Northeast met in the dorm. They had an idea to cause a cultural storm. It's the best one yet, but the best is the norm. Jack Nick, that's it. I don't even think they need to practice. 50%, that's a fat tip.

2:50T-Boy City on your at list. If you know, you know, cause we ready to go. We can't wait no more, so just start the show.

3:00Start the show. First, a quick word from our sponsor.

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5:31For our first story, you can now buy a Corvette on Amazon in the same shopping cart that you're buying your toilet paper. Seven car brands are now in the everything store, but Amazon's master plan isn't cars, it's commercials. All right, Yetis. First, before we start this story, we just got to share this fascinating fact that has nothing to do with the story, but we just wanted to tell you. Well, you know how everyone wants to get in early on like the next big AI company that's going to IPO? Amazon did it twice. Amazon owns$50 billion of open AI stock and$70 billion of Anthropik stock. But Yetis back to our Amazon car story, because when Jack was in business school, he actually bought his first few shares of Amazon stock.

6:11The reason? A Michigan alum came to my classroom to talk about the new Amazon division he was leading, automotive. I'm sorry, Jack, pump the brakes. Amazon getting into cars? I could not believe that this online e-commerce store was starting a car division. Yeah, so Jack was obviously sold and he bought the stock. And Amazon has made huge progress on this final frontier of e-commerce disruption, the car dealership. Because in fall of 2024, Amazon launched Amazon Autos with Hyundai as the first car maker. Today, Amazon's got Ford, Kia, Mazda, Subaru, Chevrolet, and Jeep. All can be bought on Amazon.com.

6:47At this place, by the holidays, you'll be able to order a monthly Lamborghini subscription with two-day shipping. Plus, Hertz now sells their rental cars on Amazon once they no longer have that new car smell. Yeah, instead it's Terminal D smell. As a besties right now, 130 cities have dealerships dealing their cars on Amazon. That Prius, it's on Prime. Amazon takes a fee, and that fee they make for each car sale is pure profit. Oh, it's pure profit, Poppy Jack. You can find Amazon cars if you live in LA, Dallas, or New York. Dezos, what do we got to do to get you into this Mazda Miata? But yet, what Jack and I find fascinating here is there is some precedent on the road, right, man?

7:26Well, yeah, Amazon is trying to do for new cars what Carvana did for used cars. That's right. Take an extremely in-person experience that's fragmented and that people hate. And put it online. Exactly. And Carvana stock, it's got some serious horsepower these days. Carvana stock is up 8 ,000 % in the last three years on the mission to take used car sales and move it online. 8 ,000 %? Basties, autos are right now a tiny part of Amazon, but they have more potential than the cargo space of a suburban. Because get this, Americans spend$1.4 trillion on new cars every year. I'm sorry, Jack, could you sprinkle on some context of that chassis?

8:04That is more than half of Canada's entire GDP. Transportation, that's the number two spending category of Americans right after housing. So if Amazon can get just 1 % of this enormous$1.4 trillion a year new car industry, that's$10 billion of pure profit. Now the only question is, does the car come in a big cardboard box, which is then within another big cardboard box? It is the side hustle, the unpaid side hustle of every American, breaking down Amazon boxes. I don't need a box cutter, honey. I need a chainsaw for this thing. No, you need gloves too, so you don't get paper cuts. You're going to sell the stock now, Jack?

8:41What's going on? So what's the takeaway for our buddies over at Amazon Car? Amazon doesn't sell things to people. They sell access to people. Like a club promoter. You see, Yetis, Jack and I always thought Facebook and Google were the ultimate advertising platforms. Knowing who you are and what you're searching for, that is marketing gold. But now we think that Amazon, well, they know what you buy. And that's the superpower of Amazon's ad sales. Which, with$21 billion of revenue last quarter, Amazon's ad sales is now bigger than all of Tesla, all of Disney, and all of PepsiCo. Sit down, stand up, and holy Ferrari, besties, now that Amazon is selling cars, it knows what car you buy.

9:20Amazon knows that you searched for a Silverado, financed it through Amazon, and bought it on Amazon. That is targeting data that Google and Meta cannot match, which is why the end goal for Amazon Autos, it's the same goal as the rest of Amazon Online. Become the essential place where people buy stuff so sellers have no choice but to be there. And then make that moolah through advertising. The online store basically breaks even. It's the advertising that makes all the money. Besties, Amazon doesn't sell things to people. It sells access to people. For our second story, Sotheby's, a worldwide luxury brand, is doing the least luxurious thing possible.

10:01Begging for money. We'll explain how this famous auction house committed financial sins and end up with a B-minus credit rating. By Yetis, Sotheby's. If you've ever used them to buy something, congrats. Next round's on you. Founded in 1744, they originally sold rare books. That first edition of Tolstoy's War and Peace? You didn't buy it at Barnes & Noble. Nope. You bought it at Sotheby's. Yes, you picked it up at Sotheby's. And they're auctioneers. They talk faster than a woodpecker. If you know, you know. But Sotheby's real business, as Jack and I have analyzed it, is TAS. Trust as a service.

10:35Because when you're spending big money on a Picasso, you want to make sure that thing is legit. Yeah, you want to make sure that Picasso is not a fuckasso. Is this Botticelli or is this bought at a deli? Well, Sotheby's takes a huge cut of that deal up to a 40 % transaction fee to make sure it is really a Botticelli. So a$1 million painting that's sold at a Sotheby's auction, the buyer actually pays$1.2 million after fees, but the seller only gets$800 ,000. The$400 ,000 in between is Sotheby's 40 % fee. And the reason Sotheby's can take that big old profit puppy is because they found and controlled a very illiquid market.

11:09Think about it. Without an auction house, Monet sellers might only find Monet buyers. But besties, here's what Jack and I find fascinating. 40 % fee on very high-ticket items just to be a middleman? Put that business model on auction. That's incredible. And Sotheby's is sitting so sweet to Yetis. They began licensing out their brand back in 2004. Sotheby's International Real Estate? There might be one in your town. That's not Sotheby's. Those are franchises. And yet, Sotheby's collects a licensing check from those franchisees to inherit the luxury status of its name. Sotheby's is even doing art-backed loans.

11:45Yeah, an art-backed loan. How does that work, Jack? They'll give cash to a collector who's short on cash, but they'll take a lien on their artwork. They'll mortgage that Monet. Yeah, yeah, they mortgaged the Monet, which makes the latest news out of Sotheby's shocking. Sotheby's just got downgraded by S &P, the ratings agency. I'm sorry, Jack. I'm looking at the card here and Sotheby's credit rating, it's down to B minus. That is referred to on Wall Street as a junk credit rating. Yeah, that's a technical term from our banking days. B minus, that's on par with like a 500 to 600 credit score in consumer terms.

12:19You're talking as credit worthy as Jack Sparrow. You don't want to give money to Sotheby's right now. You're probably not going to get paid back. And according to the Financial Times, Sotheby's is so tight on cash, they're asking art sellers to wait to get paid. Sotheby's is like, yes, we sold your Rembrandt at that auction last week. Congratulations Look, can we give you the money you're due in six months? In fact, Sotheby's is offering 7 % interest to those willing to wait after Sotheby's sells their art It's the first ever sell now, get paid later scheme that we've ever seen I mean, Jack, now that we're thinking about this It's kind of like Sotheby's is like one of those Bravo reality stars, right man?

12:54They look rich, but behind the scenes they actually have huge credit card debt Real Housewives of Sotheby's is what we're thinking Imagine if you sold a house and your realtor was like, I'll give you the money in six months Ah, not going to work. So Jack, how did Sotheby's ruin the perfect luxurious business model? In a word, crapitalism. Going once, going twice, going three times. Jack, what's the takeaway for our buddies over at Sotheby's? We have to call out crapitalism when we see it. Yetis. Sotheby's actually used to be a publicly traded stock up until 2019. That's when got bought up by Patrick Drahi for$3.9 billion.

13:31Patrick Drahi, the Franco-Israeli billionaire, borrowed about a billion dollars to acquire Sotheby's back in 2019. And his pitch? Let's blow up Sotheby's from an auction house into a luxury house, not just art. We're talking a whole Sotheby's lifestyle. He bought the former home of the Whitney Art Museum in New York City for$100 million to make it the new Sotheby's Madison Avenue headquarters. Then for the last two years, Sotheby's has opened restaurants in New York, London, Paris. Very expensive endeavors that he hoped boosted the value of the company. And the plan, Jack? In five years, sell Sotheby's for a huge profit.

14:05Jack, recognize that playbook we're talking about right here? I do, Nick. This is the playbook of private equity. It is classic PE. And do you know what happened, Yetis? Well, it didn't happen. The art market shrank 16 % between 2022 and 2024. That shouldn't be a huge problem. Sotheby's should have made just less revenue, but still been a profitable firm. But nope, less revenues meant losses because Sotheby's has so much debt, they must make those big interest payments. We love capitalism. We think it leads to innovation and competition is great. But this is a classic case of a time that P.E. did a business wrong.

14:37Sometimes private equity just saddles a good business with too much debt. In these instances, it's called capitalism. Now, a quick word from our sponsor. NetSuite by Oracle. Yetis, this is AI Nick. No! That's kind of my R2D2 voice. Just kidding, it's you and Nick and you and Jack, but you probably want to know how to make AI work for you. And have the output not feel like R2D2 just malfunctioned on you. Well, check out NetSuite by Oracle, and you can put AI to work today. NetSuite is the number one AI cloud ERP. It's trusted by over 43 ,000 businesses. It's a unified suite that brings your financials, commerce, HR, and CRM into a single source of truth.

15:18And now, with NetSuite AI Connector, you can use the AI of your choice that you're already using to connect to your actual business data. If you ask it a question about your business, it'll probably know the answer. This isn't another bolted on tool. It's AI built into the system that runs your business. It'll automate processes, deliver insights, and keep you ahead of the competition. Robot Nick and Robot Jack, both very impressed. If your revenues are at least in the seven figures, get your free business guide, Demystifying AI, at netsuite.com slash tboy. The guide is free to use at netsuite.com slash tboy.

15:48Netsuite.com slash tboy. Drive with Jim Farley. All right, Jack, let's open up the hood, go under the chassis about the word drive. Let's talk vocab. It reminds us of our brand word, brighter, because drive has two meanings. That's right, and for the podcast Drive, hosted by Ford CEO Jim Farley, those two meanings are very on brand. Jim Farley, cousin of Chris Farley, by the way, he talks to celebrities about what they drive and what drives them. You see, if you like cars or competition, you're gonna love every episode of this podcast show. I just listened to the interview with Chris Hoy. Sorry, Sir Chris Hoy.

16:20That's right, because Chris Hoy is an Olympic cyclist, a BMX biker, and a race car driver. And a knight of the British Empire. Yeah, this man knows how to drive things. Oh, and he keeps driving even with a terminal cancer diagnosis. Learning how Chris gets better every day was inspiring, even as his body gets worse every day with cancer. I mean, honestly, we love the guy. You got to hear this episode. Nick, you know I've owned Ford stock forever. This is the day I met you, Jack. I like seeing that their CEO is getting diverse experiences by talking to people like a night cyclist cancer survivor named Chris Hoy.

16:52So to listen to Drive with Jim Farley, just search for Drive with Jim Farley in your podcast app. That's Drive with Jim Farley. Vroom, vroom. For our third and final story, trend alert. the annoyance economy is here, which costs us consumers 165 billion bucks a year in wasted time. Another trend, surcharges for everything. Now, Yetis, we're not just going to vent in this story. We are coming to you with hope. But first, besties, a new necessity in modern life, your once-weekly personal admin power hour. We all do it. Set aside an hour on Sunday. It's going to be a terrible hour because you have to contact three different customer service hotlines that you've been putting off.

17:37Oh, wait, actually, on Sunday, the customer service lines aren't open. Call back Monday between nine and five central time. Well, yeah, it is. According to the New York Times, companies are intentionally making it hard to cancel, change your order, and just simply get reimbursed. They're hitting us with robocalls, impossible cancellation flows you can't keep track of, chatbots impersonating humans that ask you the same question eight times. Representative! I told the previous guy my social. Why do you need my social? It's already in your system. I'm sorry, Jack. You just got auto-subscribed to a newsletter you don't want, and you're going to have to fight a crocodile in order to unsubscribe.

18:13Now, this is famously done, infamously done, in the healthcare industry. That's right. Insurance companies love to make it hard for you to get coverage. It's famous in the airline industry, too. Delta's like, if we make them wait for two hours on customer service, they'll probably give up and just hang up the phone. But now it's permeated beyond healthcare, beyond the airlines, into every nook of the economy. A study was just done by a Stanford professor who calculated that the total cost to us Americans of the wasted time we're talking about is$165 billion a year. 165, Bill. That is the annoyance economy, and it works.

18:49Unfortunately. Yeah. Because get this. Companies that add these layers of cancellation friction and make it hard to get the thing you want on customer service, they actually see their revenues rise between 14 and 200%. Jack is like the corporate equivalent of Luigi throwing bananas on the road in Mario Kart. Luigi's probably going to win the race, and so is the company throwing that friction at your customers. Basties, Jack and I are fans of innovation, but we hate this annoyance innovation as much as you do. And get this. On the same day that the New York Times covered the quote-unquote annoyance economy, the Wall Street Journal covered the surge in surcharges.

19:23That's right. Last week, every major U.S. airline increased their baggage fees to cover the higher fuel. And the baggage fee is a sneaky fee because you don't see it until the end of your transaction. So the airlines ain't using the term fee anymore because it's got some ironic baggage. Instead, they use surcharge. And why is that, Jack? Well, surcharge, like surname, is the fee that comes at the very end. Besties, this all started as a temporary COVID economy trend and it just happened to stay with us and get worse. Businesses like surcharges because they seem to blame someone else. A surcharge is like, this isn't my fault that I have to charge you this money.

19:58Jack, a 3 % credit card surcharge? Well, you can blame Amex for that one. 34 % of small businesses, they now got fees and surcharges like that. How about the 5 % employee wellness surcharge you see on your restaurant bill in San Francisco? Don't blame our cafe, Jack. Blame the healthcare industry, not us. 20 % of restaurants now have some kind of surcharge mixed in there between the tip and the tax. And it's the same with this week's fuel surcharges. Blame the war in Iran. Don't blame our Delta CEO. Companies know that you hate inflation with a fiery passion. So they're strategically trying to shift the guilt of inflation.

20:32And honestly, we kind of see this as false advertising, don't we, Jack? Totally false advertising. Unfortunately, though, marketers move faster than regulators. And yet we all still pay this surcharge surge because of the lock-in effect. By the time we see it at the end of the transaction, you're already emotionally committed to the purchase. The deal is 99 % done. Nick got it all up. This explains why consumer sentiment hit an all-time low last March. Consumer sentiment right now is worse than the Great Recession of 08 and 09. But there is hope, Yetis. There is Obi-Wan-level hope. So, Jack, what's the takeaway for our buddies over in the annoyance economy?

21:08Maybe, just maybe, artificial intelligence can be your junk-fee Jedi. Yetis, right now, companies are using AI to accelerate the annoyance economy. Because, as the data shows, these annoying tactics work. Companies have a financial incentive to add that friction and annoyance. Here's what Jack and I are thinking. If marketers can use the dark side of the force, is there a good side? We think so. Best use case of AI is to do the stuff you don't want to do, like customer service interactions. Yeah, your iPhone already has hold assist and it will let you know when you're off hold. That's an AI feature.

21:38And as AI-supported shopping proliferates, you can tell your AI to just avoid sneaky fees, find the better deals out there. There is huge demand for an AI that fights the good fight for consumers. You can even drop your CVS-length receipt from a hotel into Claude and have it look for the stuff you should fight back on. And give you an argumentation on how to get it removed from the bill or just do it itself. Look, Vazzy, we're fans of markets. We think there is a market for solving this annoyance economy. The next great use case of AI isn't cybersecurity. It's cyber courtesy. Help us, AI. You're our only hope.

22:10That was not a good Princess Leia impression. Jack, could you whip up the takeaways for us for T-Boy Tuesday? Amazon now has seven car brands on the platform representing 47 % of the new car market. The end goal, it's ads. Because Amazon doesn't sell things to people, they sell access to people. For our second story, Sotheby's is a brand associated with historic prestige, but its credit rating is now the opposite. It's crapitalism, because sometimes private equity saddles a company with too much debt and breaks the business. And our third and final story is two trends related, the annoyance economy and the surge in surcharges.

22:48But there is a hope for consumers, an AI that fights the good fight for you. A fee-fighting AI Jedi. But besties, this pod's not over yet. Here's what else you need to know today. First, Goldman Sachs kicked off the earnings season on Monday with an all-time high revenue in stock trading. The whiplashing of the stock market with the Warner on, that panic buying and selling, it is translated into profits for Goldman Sachs. Because Goldman takes a fee on each buy and sell order. Next up earnings, by the way, Netflix after hours today. And second, McDonald's has taken on Starbucks and Dutch Bros by launching McEnergy drinks.

23:23Remember Cosmic? Yeah. That space-themed pop-up cafe that McDonald's was testing? McDonald's closed the last year, but they are adding their most popular items from that concept into the McDonald's menu. Starting in August, Red Bull Dragonberry Energizer will be at McDonald's, according to the Wall Street Journal. And finally, we still don't know who stole the 400 ,000 Kit Kat bars that were taken last week. Those people still at large. But we do know who stole the Legos. Three California men were spotted by police fleeing from two stolen tractor trailer trucks with a million bucks in Legos. That was in California.

23:58The men who have been charged with crimes range in age from 25 to 37, which is peak adulting age. Is that clear whether they intentionally were targeting Lego toys when they stole a million dollars of them? It was actually an Amazon truck. Or maybe they just got really, really, really lucky. Now time for the best Best fact yet, this one sent in by legendary Yeti, Kelsey Black from lovely Pflugerville, Texas. October 31st, 2000, was the last time that all living human beings were together on planet Earth. Pause the pod. We're going to let that one sink in for a sec. Jack, could you sprinkle on more context?

24:30Well, on the next day, November 1st, the year 2000, somebody went up into space, into the International Space Station. That's right. And since then, over the last 26 years, there's always been at least one person up in space. And that streak continues today, despite the four Artemis astronauts returning home safely. Besties, you look fantastic today. Jack, you are still glowing from that New York Live show. What a week. I mean, it feels fantastic to be back. It's funny. We don't have any more CTAs to buy tickets. Yeah, yeah, yeah. Because we only have one more announced show in LA and that's sold out.

25:03Although we do have three new shows in the second half of the year. We're going to announce them soon. Yes, more shows coming soon. But in the meantime, besties, if you want to grow the pod, the best way you can do it is tell it buddy H-Y-H-T-B-O-Y. Send them your favorite story from today's episode. Drop it in the DMs. In the meantime, Jack, Molly's birthday's coming up. I got to buy her some marinara sauce.

25:26And before we go, a happy birthday to legendary Eddie, Jackie Beallera and her dog Waffle down in Asheville, North Carolina, celebrating a birthday and a brand new engagement. And happy birthday to Dr. Samantha Brothers, who saves lives by day and stitches them back together by night in Asheville, North Carolina. Oh, and Baz Flagiolet, happy birthday over in the Presidio of San Francisco. Happy birthday to Atticus Riley, celebrating his birthday with a hike, a bonfire, and a Brazilian state. And Lily Coop, we see that birthday, keep celebrating down in D.C. Happy birthday to Zach Thornburg in Wichita, Kansas.

25:57And Mary Grace had the best birthday yet over in New York City. Happy belated birthday to Aiden Paxoy in San Francisco. And Henry and Arthur, the San Francisco-born New York-raised twins of the Upper East Side, happy, happy birthday birthday to both of you. Happy birthday to Ruby Brink, born in Louisville. And Jack, a shout out to the Yeti. I saw in a barber jacket on 87th Street and Lex, who just said, hey, love the pod. Thanks for being with us, man. And a big shout out to Lance, Tony, and the whole ATM team who hooked us up at their store in Soho. The best quality materials, fabrics, designs.

26:28The best t-shirt, it was designed by ATM. I mean, we basically had a whole fashion show in ATM, Jack. You were glowing in that mirror. That was an absolute blast. I was wearing the shirt under my bomber jacket at the New York Live show. I know, I know. It was so good. So thank you to the ATM team. This is Jack, Island Stock of Amazon, Disney, and Ford. Hey, everyone. It's Farnoosh Tarabi from the So Money Podcast. If you're self-employed or running a small business, tax season can feel overwhelming, especially if you're doing it all on your own. TurboTax Experts for Business is here to help. They match you with an experienced expert who understands your industry and works with you to save money by finding every deduction and maximizing your savings.

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27:42Thank you.