👑 “iCEO” — Apple’s new leader. Psychedelics’ stock pop. Tariff refund day. +College Weather Decision

0:00This is Nick. This is Jack. It's Tuesday, T-Boy. Tuesday, April 21st. And today's pod is the best one yet. This is a T-Boy. The top three pop business news stories you need to know today. All right, Jack, I'm checking the tapes here. What's the status of the Strait of Hormuz right now? What's the status or what do they say the status is? Strait of Hormuz is open. I'm sorry, Strait of Hormuz is closed. I'm sorry, Strait of Hormuz is actually open. The war in Iran is causing even more whiplash, but stocks are chilling close to all-time highs anyway. Not too shabby. In the meantime, this podcast is full on open.

0:31Jack, three fantastic stories for today's T-Boy. What do we got on the pod? For our first story, the king is dead. Long live the king. Apple just named their first new CEO in 15 years. Tim Cook is out, John Turnus is in, and it's all about the CEO swing rule. We'll tell you about Johnny. For our second story, Joe Rogan DMed President Trump about shrooms, and now psychedelic stocks are surging. And they'll stay up, but only if psychedelics do the opposite of cannabis. And our third and final story is tariff refunds. They just went live. Starting yesterday, companies can request money back from the government.

1:05But will you Yetis get a tariff refund? Well, our takeaway says you should. But yetis, before we hit that wonderful mix of stories. Oh, what a mix of stories. No one else doing that mix, Jack. A wild, hilarious new study says that the biggest factor that goes into where you're going to go to college. It's not the academics, it's not the food, and it's not the location of that camp. It's not the football team, it's not the Greek scene, it's not the tailgating scene. It's not even the late night milkshake situation we're all curious about. It's the weather. It's the weather, like the warm weather or the cold weather.

1:39It's a wild news study from Amherst College. And it turns your college counselor into a meteorologist. You see, at Amherst, if the day you visited campus was too hot, your chance of applying to Amherst fell by 10%. And applications fell 6 % if it was too cold, 8 % if it rained, and 5 % if it was simply cloudy. All of that compared to a regular sunny day, of course. Oh, if there was snow, that's a flat-out no, Duke. Sorry about it. Nick and I dove in even deeper and found something even wilder in the data. Get this. The number of applications from Southerners fell 14.6 % if temperatures fell below 50 degrees.

2:15Now, I'm from Brattleboro, 50 miles from Amherst. Yeah. Nick, my nostril hair used to freeze in my walk between the locker room and my car. Yeah, but you were born into that, Jack. Not totally shocked. Kids from down south don't want four years of that nostril freezing. Here's what Amherst admissions department needs to do to adapt. Okay, first, you got to have LLB in boots for the days it's below freezing. and hand them out to the kids before they take the tour. But then you got to have Birkenstocks for the days it's above 80 on those college tours. Give kids the authentic New England small college experience on their visit day.

2:44Because add it all up, as you know, it turns out the college experience is really all about the atmosphere. Literally. Jack, we got a low pressure system coming in. That's bad for Princeton. Bad for Princeton. Good luck, Dartmouth. Jack, let's hit our three stories. Fifteen 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. T-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.

3:23Start the show. First, a quick word from our sponsor.

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4:01And then HIMSS will hold your hand with 24-7 in-app support on nutrition, fitness, sleep, and more. Ready to reach your goals? Visit HIMSS.com slash tboy to get a personalized affordable plan that gets you. That's HIMSS.com slash tboy. HIMSS.com slash tboy. Weight loss by HIMSS is not available in all 50 states. WGOVI is the registered trademark of Novo Nordisk AS. To get started and learn more, including important safety information, WGOVI clinical study information and restrictions, visit hims.com. Monarch. Yetis, happy tax season to all those who celebrate. It's like March Madness, but it's April Madness.

4:33Tax season is actually the one time of the year most Americans review their finances. Yeah, but it shouldn't be. Monarch has all your accounts linked for a real time look at your financial future available anytime. I started using Monarch just once a month for when I pay my bills, but now almost daily. Checking my net worth, my investments, and my transactions. Jack actually is a problem. I have to get him off this thing. Yetis, we think you should simplify your finances with Monarch. Because Monarch is the all-in-one personal finance tool designed to make your life easier. It brings your entire financial life, budgeting, accounts, and investments, net worth, and future planning together in one dashboard on your phone or your laptop.

5:08Feel aware and in control of your finances this tax season and get 50 % off your Monarch subscription if you use code TBOY. If you're a solo tax filer, head of a household, or somebody's dependent, must be nice, Monarch will be your financial wingman. Achieve your financial goals for good with Monarch, the all-in-one tool that makes money management simple. And use code tboy at monarch.com for half off your first year. That's 50 % off at monarch.com, code tboy. For our first story, breaking news as we were walking into the studio. Tim Cook is out as Apple's CEO meet John Ternus, the new guy up in the iCloud.

5:46With a product CEO at the helm again, Apple is swinging back the CEO pendulum from dream to extract to dream again. Oh, yeties, let's start by sprinkling on some calendar context. Earlier this month, we covered Apple's 50th anniversary. Middle age, big deal. April 1st, 1976. That's when Apple was founded, on April Fool's Day. Well, boom, just three weeks later, Timmy Cook is retiring on September 1st and moving to executive chairman. Wouldn't it have been funny if they announced this on April Fool's Day? But Jack, Apple's a$4 trillion company now. They're too big to have fun like that anymore.

6:23You know, you know. Now, the last time Apple changed CEOs, it was actually from Steve Jobs to Tim Cook in 2011. And Apple's market cap has risen 24-fold on Tim Cook's watch. Jack, could you sprinkle on more context? Apple has gotten so much valuable in the Tim Cook era. Okay, if you invested 10 ,000 bucks when Tim Cook took over, that would be worth a quarter million dollars today. But in the artificial intelligence era, the Apple has gone soft. The iPhone's AI, it's actually running on Google's LLM. Not a good look for Apple. Yeah, awkward. The tech companies like Google, they're eating Apple and they've spatted it out.

6:56We're still waiting for Apple intelligence to hit our iPhone. They launched Apple intelligence two years ago, Nick. Oh, and the OG iPhone designer, Johnny Ive, he's been designing an AI device for OpenAI. But a funny thing Nick and I noticed, Apple has been playing hard to get. They've been denying for months, years even, that a CEO change was even being considered. It's just like we said, Jack. You deny something like this until the very moment you're about to announce it's true. So everyone knew it. Apple just wouldn't say it until Monday. Besties, if you see space gray smoke rising over Cupertino today, it's because they named the new Pope of Apple.

7:30Actually, if you see smoke rising above an Apple store, it confirms the news. And the news is that John Ternus is the new guy. And to quote The Who, when you meet the new boss, ain't the same as the old boss. That's not quoting The Who. Exactly. Now, Yetis, we know what you're thinking. and we'd never heard of John Turnis either. So what do you say, Jack? Should we stalk his LinkedIn profile a little bit? Let's do it. This Apple lifer joined Apple four years after graduating from the University of Pennsylvania. So he probably knows that Gino's cheesesteaks are better than Pat's cheesesteaks, obviously.

7:59Either way, this guy's current title at Apple is Senior Vice President of Hardware Engineering. I'm sorry, Jack, did you say hardware? That's the opposite of software and services. Nick, you know how they say chicks dig the long ball in baseball? Well, chicks dig the hardware in tech. It's the meat and potatoes of the tech industry, ain't it, Jack? This guy has overseen the iPhone at Apple, the iPad, the Mac, the Apple Watch, the AirPods, the Apple Vision Pro. He's overseen all the hardware Apple sells today. And that's the key. John Ternus, the new incoming CEO of Apple, is a product guy. Unlike Tim Cook, who was an operations guy.

8:34And the market has known for a long time now that Apple's become too dependent on the iPhone, which is about half of their revenue. And the iPhone, it's feeling stale. Jack, didn't you just get the new iPhone 17? What's the review, man? The day after I got the iPhone 17, I was like, oh yeah, this is new. It feels just like my 14th. They added one button that saves me one swipe. Yeah, some Apple's products gotten so stale. Like Jack and I did a whole thing the other day about how they have to bring back the iPod, get some of that, you know, nostalgia money over there. So it's time for a visionary new product at Apple.

9:05King is retiring. Long live the King. So Jack, what's the takeaway for our new buddy over at Apple? Apple is due for another CEO swing. Yeti's Steve Jobs' best product CEO of all time. He dreamt up the iPod, he dreamt up the iPhone, and he dreamt up how to market them. Tim Cook deserves huge credit too. He took those products and squeezed every cent of profit juice out of them for Apple and their shareholders. You see, Tim Cook, he was an operator. He turned iPhone buyers into buyers of three wearables and five recurring monthly subscriptions. That's a profit puppy. He also built the Chinese supply chain that's critical to Apple to keep the cost low, and he pivoted that supply chain to India during the Trump era.

9:44Oh, and Jack, Tim Cook built Apple's App Store AppTax, the most profitable toll booth in the history of business. But not being a product guy, Tim Cook has not delivered an AI product. We were promised a smarter Siri like in 2024. It's 2026, and hey Siri, where are you, babe? Come on! So the executive pendulum is swinging back. In 2026, Apple needs a product guy. Apple has been alternating leaders from dream to extract to dream again. It's time for somebody cut from Steve Jobs' turtleneck. It's time for another CEO swing. For our second story, the White House just dropped acid on the stock market because Joe Rogan texted the president about it.

10:28I can't believe that's a headline, but we just dropped it, baby. On your dropped acid on the stock market line. I was going to be like, literally, kind of? Yeah, yet easy. See, four psychedelic stocks jumped 20 to 30 % yesterday because shrooms are not following marijuana's lead. This story opens with the most powerful podcast in the country, which helped Trump win the election. But that podcast, Joe Rogan's podcast, has turned negative on President Trump since the war in Iran began. So to win back Joe's support, Trump answered a text from him. No joke. And then President Trump gave Joe Rogan an executive order on his very specific ask.

11:02And Jack, what was the ask in that text message? It was about iogene, a psychedelic drug. Ibogaine, extracted from the root of an African plant, it is used to treat veterans' PTSD. But the executive order, which Trump invited Rogan to the White House for, covers the full psychedelic buffet. I mean, we're talking LSD, ketamine, molly. Not Nick's wife. Although Molly gets that a lot. Yetis, remember when Elon smoked a doobie on Joe Rogan's show? He and his guests have dropped acid on their show too. And for 15 years, Joe Rogan has been preaching for legalizing prescription trips three hours at a time.

11:35Some say psychedelics could help treat people who have depression and might otherwise use opioids instead. Elon, known ketamine user. This crowd thinks that acid's the solution, not therapy. So when Trump said, what do you want, Joe? Joe asked the president for a fast track legalization route for the FDA for Ibogaine. And since Jack and I have never partaken in one of these trips, everything we just said is totally based on hours and hours of today's research. What we do have experience in personally is Wall Street. And what we can tell you is that these stocks lit up like red rocks on a Saturday night, baby.

12:09Biotech stocks, Helis Pharma, Compass Pathways, Definium Therapeutics, and Atai Beckley never covered any of them on our pod. We have not, and yet all these psychedelic stocks opened up at least 20 % higher yesterday. Literally and figuratively. Both of them. This was the 2026 stock market shroom surge. We had to cover it. What we're saying is that psychedelics just had their biggest brand moment since Woodstock. Yeah, just ask your mom, pause the pod, give her a call. But according to Jeffrey's Investment Bank, the optimistic case for ibogaine and all these other psychedelics is first approval in late 2027.

12:43And the base case for this African shrub psychedelic to get approved by the FDA, 2028, 2029. So it's pretty far away. Plus, these might never get approved. After all, there's a reason they're illegal in the first place. And Jack, we've seen this movie before. Executive orders from presidents, they often go nowhere. But if a legal psychedelics market does become commercialized, the potential market is huge. I mean, let's talk numbers here. 21 million Americans with major depression, 3 million Americans with treatment-resistant depression. 13 million Americans have PTSD, with 6 million of them being our veterans.

13:15And those people need help. Too often, they find addictive opioids instead. Joe Rogan hopes they find a dark room and a dose instead. And we found a takeaway. So Jack, what's the takeaway for our buddies over in the psychedelics shroom surge? The money is in prescriptions, not over the counter. I'm trying to think of a mob boss. The money's in the prescriptions. Okay. Okay. But yeti's 2018. We just launched this very podcast and the big new industry at the time, it was cannabis, baby. Remember Tilray? Yeah. Tilray Podstock. Nick, it hit$2 ,000 in 2019. It was insane. Okay, where is it today? Adjusted for stock splits and mergers, it's at$7.

13:54Wow, it turns out, besties, that marijuana was not an investable industry. And we think it's because it became recreational. Legalized weed resulted in huge oversupply of the green, with plummeting prices across the country. But psychedelics could avoid all of that by playing a different playbook. They could go medical. Because no one is better at controlling supply to maximize profit than the U.S. medical industry. Yeti psychedelics, that could be a$10 billion drug market if they turn into gummies that you can buy at the store. Or they could be a$100 billion healthcare market if they stay behind the tight grip of your doctor and his prescription pad.

14:35Besties, that all up and the money is in prescriptions, baby, not over the counter. If you have to ask your insurance company to reimburse it, it's probably really freaking expensive. It's probably a profit puppy. Let us know what you think in the comments, and Jack and I will hit the commercial. See you in a minute. Now, a quick word from our sponsor. Upwork. Yeah, it is the best way to pivot quick. Freelancers. They move fast and they make things. We love full-time hires, but that can take time and money and paperwork, and it's a higher risk if you hire the wrong person. So think of Upwork like Liam Neeson.

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16:35For our third and final story, happy refund day to all those who celebrate. Because the Supreme Court just said so. 166 billion of tariffs are getting refunded. Christmas comes early for U.S. corporations, but only two companies will share the gifts with you and me. Ah, Yeti's tariffs. The most beautiful word in the English dictionary, according to our president. But according to the Supreme Court, they're for Congress to decide, not the president. So if$166 billion of tariffs over the last year paid by American companies were illegal... Then I want a refund, said 3 ,000 companies who have sued the Trump administration.

17:15I'm sorry, Jack. Did you keep your receipt from that$16 airport acai bowl? You know I did. And I guarantee you companies are keeping their$16 million receipt for the tariffs paid on the acai machine. Oh, yes, they are. But here's the problem, besties. For two months, we've all been waiting. Will the Trump administration issue refunds now that the trade war tariffs have been overturned? Side note, each month that we wait to find out, the government owes an additional$650 million in interest on those refunds due, according to the New York Times. Yes, we kind of need a decision ASAP, which leads to the news.

17:52The White House set up a website on Monday to start the process of dishing out refunds for tariffs. We call it refund-a-palooza, baby. But the U.S. Customs and Border Control, they call it Consolidated Administration and Processing of Entries, or CAPE for short. Doesn't roll off the tongue. Again, we whiteboarded this, refund-a-palooza. That's going to win every time, Jack. Now, it may take months or years to process all these refunds because 330 ,000 American companies paid tariffs. Now, small businesses are grateful that they're going to get their money back, but they probably won't believe it till they see it.

18:25Still, it's a cash bonus that's going to make 2026 more profitable than 2025 for businesses that import. Now, most of us listening are not importer-exporter businesses, Jack. Looking at you, Art Vandelay. But these companies did pass the tariffs on to us to make us pay them, so will they pass the refunds on to us, too? Nope, they won't, Nick. Only two companies are offering to extend the refunds all the way to the consumers who ultimately paid them. And Jack, who are those gorgeous, kind, generous companies giving us refunds? FedEx and Costco. Okay, so Jack, am I going to get two bucks back for that Kirkland Cabernet whose price rose during the trade war, my friend?

19:04Actually, Costco is going to refund us consumers by lowering future prices. So that Kirkland olive oil may be$2 cheaper the next time you walk through aisle six. We're not surprised Costco's doing this. Their religion is taking care of their members. Now, interestingly, FedEx is doing direct refunds, right, Jack? What does that look like? Well, FedEx charged consumers directly for tariffs due because they're a shipping company. So now it's easy to track those who paid the tariffs and refund them. But sorry, Jack, I'm doing the math here. That's only two companies out of 330 ,000 companies that paid these tariffs and want refunds.

19:37And none of the 25 CFOs surveyed by CNBC plan to hook us up with the refunds. Hey, Abercrombie, where's my cute top refund, guys? Because while us consumers are ethically owed them since we ultimately paid them, were not legally owed the refunds. So right now, Adidas is looking at Puma and being like, I won't refund if you don't. And Nike's like, I won't refund either, guys. Yeah, because once one of them does, then it puts the pressure on the other ones to do it too. Awkward. So Jack, what's the takeaway for our refund-a-palooza buddies wondering about the tariff refunds? The tariff refund is the best marketing campaign that nobody's doing.

20:14Okay, Yetis, grab a pen, grab a paper. This is our thought. Give the refunds back to consumers and enjoy the best marketing ROI there is. What better message right now than come into the Gap this weekend and get 20 bucks on us? It's your tariff refund. And Jack, if I know the American consumer like I know the American consumer, then I know that they're going to spend way more than 20 bucks once they get into that Gap store. They'll spend 200 bucks. They'll be grateful American taxpaying tariff recipient Americans. Yeti's consumers feel more nickel and dime than ever. And getting left out of the tariff refunds only makes it worse.

20:49But if one company stands out and says, I'm hooking you up, they should announce it right now. They'll win such brownie points from us consumers. Announce it right now, exactly, because the longer you wait, the less likely it is consumers will notice. And Adidas, if you wait, Puma's going to do it. And then you're not going to get credit for doing it in a second. Besties, the tariff refund, it is the best marketing campaign that nobody's running. So if you're going to run it, drop it in the comments. Jack, could you whip up the takeaways for us for T-Boy Tuesday? Apple is swapping CEOs on September 1st.

21:22Operator Tim Cook is out. Product guy John Ternus is in. Like Steve Jobs did, Apple needs John Ternus to launch a big product. It's time for a CEO swing. For our second story, Joe Rogan asked the president to legalize psychedelics, and now it's on the FDA's fast track. With the money, it's in the prescriptions, not over the counter. And our third and final story. 300 ,000 American companies are owed$166 billion in refunds for tariffs that turned out to be illegal. It's a refund to Palooza, baby. So give them to the customers. In the era of inflation, it's the best marketing move of the year. But yetis, this pod's not over yet.

21:59Here's what else you need to know today. First, the Boston Marathon was yesterday, but someone, something, stole the show in China, Jack. In Boston, it was won on Patriot Day, again, by John Carrere and Sharon Locchetti of Kenya. Okay, but over in Beijing, their half marathon was run by a humanoid robot, which beat the human record for a half marathon. A humanoid robot that runs kind of like a human runs, set the record for half marathons by seven minutes, completing the whole thing in 50 minutes. I'm sorry, but I'm not impressed. Of course it did. It's a machine. Yeah, a car would beat a human in a half marathon, too.

22:36Shocker, machines are really fast. And second, Jersey Mike's confidentially filed to IPO after getting acquired last year by a private equity firm. And knowing PE like I think I do, every sandwich getting two fewer squirts of vinegar boosts the profit margin, doesn't it, Nick? Yeah, they're like$200 million more valuable. You see, when the IPO paperwork gets public, Jack and I will grab a salami Mike's way, head to the beach, and then dive in T-boy style to the finances. And finally, Lululemon's founder, Chip Wilson, is starting a company to save athleisure brands. Yeah, a new investment fund.

23:09He's looking for early stage founders who want to make fashionable athletic wear like he did. Because fashionable athletic wear is kind of out. It's been tough. We've been doing this all year. Every athleisure company is launching denim. And every denim company is just still doing denim. But Chip Wilson is tossing millions at whoever thinks they can create Lulu 2.0. Now time for the best fact yet. This one's sent in by our manager, Mike Muni, who's taking his kid Nate over to Disneyland. today, along with his wife, Libby. Disneyland is the first theme park launched by Disney. We did a whole episode on it on the best idea yet on the most viral products of all time.

23:44Walt Disney and his brother Roy obsessed over the details and included this rule. Disneyland still today does not sell chewing gum. That was Walt's rule, and it spoke to his obsession about the details. No chewing gum because that affects the customer experience. Nobody will ever step on chewed gum at Disneyland ever. Oh, and if you try chewing gum at Disney, oh, you don't want to mess with Goofy. Goofy will mess you up, bro. Don't want to talk about it. What a show. Oh, actually, this morning, Yetis, Nick and I looked at the lineup of potential stories and we were worried there wasn't enough news.

24:18And then at the end of the show, there was too much news. The Apple CEO stuff dropped and we had to boot one story off the show. Yeah, we saved a story for tomorrow. It's on Gucci. It's wild. If you're a fan of today's episode, we would love if you'd share it with one buddy, because that'll double the size of the audience tomorrow. HYH-TBOY. That's how it goes. Double the pod. Whether you do or you don't, Nick and I'll still be here for you tomorrow morning. But we prefer if you do. Have you heard the best one yet? If you know. You know.

24:49And before we go, a happy birthday to legendary Eddie, Katie Goldin, the iBanking icon turning 23 in New York City. Happy 30th birthday to Franklin Tarkey in Menlo Park, California. Fun fact, I lived in Menlo Park for eight months. And me and McConnell, happy birthday in Los Altos Hills, California, the legendary first T-boy listener of the Grex. Happy six-year anniversary to Kim and Jesse DuVeid, just outside, boss. And Nikita Rajput and Eric Berkert, happy one-year anniversary of that epic engagement over in Europe. A big thanks to Pippa and the Press Profiles podcast for hosting us at their beautiful New York headquarters and for putting us on the pod.

25:26Great to be on your show, and the ProSec office, absolutely stunning. great views of Madison Square Park. Oh, and Jack, a shout out to legendary Yeti Gabby, who I just ran into while walking over to the studio. Gabby, thanks so much for enjoying the pod. Great to have you as a best. And to anyone else celebrating something today, make it a T-boy. Celebrate the win.

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