👟 “Post-Sneaker” — Pharrell’s Adidas miss. The Paze $$$ Craze. Zuck’s AI MANIfesto. +Avo Sex Change

0:28This is Nick. Adidas launched glow-in-the-dark jellyfish sneakers in collaboration with Pharrell Williams. But the problem with that? Sneakers are dead, and the evidence is in your office. For our second story, Mark Zuckerberg published a 6 ,500-word manifesto arguing that AI is the best thing humanity has ever seen. Because Zuck is running for president of AI. And our third and final story. If you buy a$10 Dunkin' Donuts gift card right now, your account gets a free$10 credit. And it's not just Dunkin'. This is the Pays craze. a real thing and an infinite money glut. But yetis, before we hit that wonderful mix of stories.

1:04Oh, what a mix of stories. Love the mix in the pod, Jack. This is a great show. But first, Nick, we have a deflation situation worthy of celebration. Oh, yes, we do, Jack, because the price of one thing is coming down and for one wild reason. Your next avocado may be cheaper. Because that avo changed sexes. That's right. There's more going on in your guacamole bowl than you realize. Hold on to your cilantro, Jack, and let's sprinkle on some context, please. Farmers have known for years, actually, that avocado trees possess both male and female characteristics. Yeah, you see, besties, male flowers give the avocado tree the pollen, and female flowers receive the pollen.

1:42But both flowers grow on the same tree. And that's unique, but even wilder. It's a female avocado tree in the morning, it's male by lunchtime, and it's back to female at 7 o 'clock. Okay, but the problem? For years, it was hard to pollinate avocado trees because scientists couldn't predict their gender. Until now Scientists at the University of California, Davis Figured it out by camping in an avocado orchard for days And now that they've cracked the avocado, so to speak Farmers can optimize the pollinization To plant more avocado trees To meet the millennial-driven avocado demand Which has 4x since the year 2000 Because you just put avocado toast in your avocado smoothie I think I said pollinization I meant to say pollination We got a correction from a scientist But add it all up, besties and we now know when an avocado tree goes from avocado babe to an avocado dude.

2:33And that insight will give us cheaper burritos someday. Jack, guac, it's always extra. Look, I feel like there's a pronoun joke somewhere in there. But maybe a little bit less extra pretty soon. 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.

3:11Start the show. First, a quick word from our sponsor.

3:22Indeed. Oh, we missed the deadline. My recording device is having issues. Our contractor pretended to be sick. I know he's watching the World Cup matches, Jack. Or how about this? Elon just tweeted something at 3 a.m. that completely changes the takeaway on our second story. We got to re-record the show. Besties, when workplace chaos hits you, you need the right hire. And this is a job for sponsored jobs. Indeed, sponsored jobs gets you quality candidates when you need them most. We produce a daily episode of this show, 250 episodes a year. Sometimes we need help. We need it fast. So spend less time searching and more time actually interviewing candidates who check all your boxes.

3:55Less dress, less time, more results. When you need the right person to cut through the chaos, this is a job for Indeed-sponsored jobs. And listeners of this T-Boy show will get a$75 sponsored job credit to help get your job the premium status it deserves at Indeed.com slash podcast. Just go to Indeed.com slash podcast right now and support our show by saying you heard about Indeed on this show. Indeed.com slash podcast and mention T-Boy. Terms and conditions apply. Need a hiring hero? This is a job for Indeed Sponsored Jobs. Monarch. Yeah, it is. You know my first money lesson? It was where to put our lemonade stand.

4:30I was wondering, it was on the Upper East Side. Do we do it on Lexington Avenue or Park Avenue? Wait a second. New York City has lemonade stands on the sidewalk? They didn't. We were pioneers, Jack. Lexington Avenue is more commercial. Park is more residential. So what did we learn, Jack? Families are willing to pay more for lemonade. So you set it up on Park. Yeah, we did it on Park. Besties, no one gives you financial lessons in life. You end up figuring most of it out as you grow up. But we love Monarch because it's like a financial advisor in your pocket. Because every minute it's tracking your savings, spending, investments, and more.

4:56For instance, Monarch's goal tracking feature shows if you're on track for that summer trip to Santa Fe. And it tells you what percent of your income is going somewhere that's a surprise. I open Monarch all the time because it takes the mental load off tracking my finances. And whether you're single, you're in a family, or you're dinking it up, Monarch's the way. Our personal fave, the AI Weekly Recap, a once per week gut check on what you did with your money. Hey Nick, you've spent 96 bucks at kids' lemonade stands since July. Yeah, because we pioneered it for him, Jack. Resties, write your own story with Monarch.

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5:34For our first story, Adidas just launched a new sneaker with Pharrell Williams. It's called the Jellyfish. The problem with the Jellyfish sneaker, it's a sneaker. Oh boy. And we're now officially post-sneaker. Oh, we got the receipts. Actually, the return receipts. But besties, before we tell the story, a fun fact about the singer-songwriter Pharrell Williams. Jack, you know about this one? What? He's got synesthesia. Are you trying to say anesthesia? No, synesthesia. Real thing, it's sound seeing. When he hears a song, he also sees it in color. Like a jazz song, Jack? It's green. Okay, I got two comments.

6:10First, I think that's what Rocky has in the movie Project Hail Mary. And second, he could have just made that up, but nobody can fact check him on it. Yeah, we can't fact check. We take his word on it. But it's also maybe why Pharrell Williams, the singer-songwriter, is also now a shoe designer. And last summer, Adidas collabed with him on a sneaker called the Jellyfish. Ah, the Jellyfish. The exaggerated, puffy midsole on the sneaker that mimics the gills of a jellyfish. Are those tentacles or are those shoelaces just untied? But the sneaker's hero resemblance to the Jellyfish is that it glows in the dark.

6:39It's giving nocturnal. Yes, it is. and this jellyfish sneaker happened to win the 2025 Shoe of the Year award from none other than Footwear News, aka the Shoe Oscars. So last week, Adidas went full fashion runway on this thing. They launched that sneaker in triple white. And since Pharrell Williams is kind of a scrawny guy, they brought in some muscle to the marketing, didn't they, Jack? Jeremiah Smith, the number one college football player this coming season from Ohio State, he is the muscle to this shoe's marketing. Apparently a glow-in-the-dark jellyfish sneaker needed a little bit of razzle-dazzle, sprinkle-dinkle.

7:13But Nick, here's why Adidas stock fell on the news of this jellyfish sneaker and are down so far this year. Because besties, sneakers are dead. Put it on a pillow. Trend alert, Yetis. Sorry, Sam Smith. Bye-bye, Chuck Taylor. We are entering the post-sneaker era. I'd say we're in the post-sneaker era, Nick. But first, let me sprinkle on some context. The casualification of America's wardrobe. That's right. In the mid-20-teens, men began loosening the dress code, first with your feet. Allbirds, Adidas, Air Force Ones, they all showed up in boardrooms for the first time ever. Basties, by the time you were returning to office post-pandemic, what did we see, Jack?

7:49Only executives were still wearing penny loafers and Oxford wingtips. Everyone else in the office had sneakers. Ah, and therein lies the problem. Wearing sneakers to work was the rebel move of 20-somethings 10 years ago. But now that their bosses are wearing those sneakers too. That 20-something had moved on to the loafer. And Nick, there's no bigger sign that we're post-peak sneaker than when your boomer boss asks if his Air Force Ones are giving riz or cringe. Oh, and the final nail in the shoebox coffin, what is it, Jack? The Times of London declared that 2026 is the year of the loafer. Oh, you see, some sneaker brands, they're trying to have it both ways these days.

8:24They've launched sneaker loafers, aka snowfers. The snowfer, but But Allen Edmonds, Cole Hawn, Johnston, and Murphy, they are finally getting their formal looks again. And that's why Bank of America downgraded the whole sneaker stock sector to sell earlier this year. Yetis, Jack and I were just pitching a new show to some studio execs down in LA. We almost got laughed at in the meeting because Jack was wearing New Balance. It's peak sneak. I know. All I wear is sneakers. Are they giving Riz or are they giving cringe, Nick? We got to get these deals done, Jack. In the meantime, what's the takeaway for all our buddies over in the post-sneaker era?

9:02If it's been given a name, then the trend is over. Yetis, this sneaker story, it reminds us of a smart take that we read in the newsletter, Garbage Day. Here's the take. Once a trend has been recognized with a mainstream label online, that means the trend is already over. For example, the word metaverse. Once Zuck named his company Meta, it was dead. Normcore, quiet luxury, girl math, quiet quitting. Once a meme has become so popular it's got a name, then that meme is definitely passed. Because a meme getting named means it's become mainstream. So the early adopters have gotten out and moved on to something else.

9:33Which actually leads to an open question, Jack, and I have, which, Jack, you want to share it with the Eddies? Well, there's a term right now for clipping podcasts on social media and short-form vertical videos, the clipping economy. The clipping economy, yeah. Well, does that mean that this is now over? The fact that it has a name? Should we not be investing in clipping our show, given everyone calls it clipping? Yeah, we're not so sure. But add it all up, besties, and the best way to know that a trend is over is once your boss has embraced it. Is this giving riz or is this giving cringe? I'm canceling our one-on-one.

10:01Sorry, buddy. Email my assistant and let me know.

10:07For our second story, Zuck is the new face of world AI positivity with a brand new 6 ,500 word manifesto. Super intelligence for all, plus free cash and guaranteed jobs. Is he running a campaign for AI president? Oh, yetis. Let's start by sprinkling on some context. Jack, what did we dub the 2024 summer exactly? Hot Zuck summer. New hairdo, new black t-shirt, huge sparkly necklace. Oh, there was some real gold in that thing. Zuck, he stopped caring about what Congress and the press was thinking about him, and he went full, I want to say NSYNC on the look. He ended eight years of being on the defense and embraced his tech bro status and rebranded himself as macho.

10:52I'm going to go Backstreet Boys on the look. He stopped talking to the press and only talked to friendly media outlets. But all of that aggressively ended last month. July 28th, Zuck wrote his op-ed for The Wall Street Journal. On that same day, he sat with The New York Times for an interview and sat with The Financial Times for an interview. Jack is a trifecta of hard-hidden journalism right there. Wall Street Journal, NYT, NFT. We covered the commercial that he published on that same day on our show as well. Ah, the future is for everyone. Zuck, he was worried about how much people hate AI, hate AI data centers, the whole AI hate wave.

11:21And he was trying to change that. And that press campaign culminated on Monday with a 6 ,500-word manifesto. It also culminated with a boxing match on a floating island. Yeah, I think that was just his personal weekend shenanigans, actually. Zuck set up a barge in the middle of Lake Tahoe and livestreamed to fight with a pro UFC kickboxer over the weekend. Again, he's rebranded himself as Macho. Add it all up, besties, and Zuck's trying to put the man in manifesto. But you can't spell manifesto without AI. So let's review his 13-page document. That's right. The future is for everyone. The path to positive AI future.

11:56That is Zuck's brand new long manifesto. And Nick, that means we've gone from hot Zuck summer to thought Zuck summer. This is 6 ,500 words of philosophy. Technically, Jack, the journal called it an encyclical. And what exactly is an encyclical? That's a word usually reserved for the Pope. So here's what Zuck said in his 6 ,500 words. Philosophical rationale for Meta's AI business model. For example, there were three key pillars, like distillation is okay. Because Meta does distillation. Distillation is when a smaller AI model copies a larger AI model. Whether it was consensually done or not, oftentimes it's stealing.

12:29The second key point, Zuck said that open-weight AI is okay. Because Meta does open-weight AI. Even though open-weight AI is arguably unregulatable. And his final key point, that closed AI models are not okay. Because Meta doesn't do closed AI models. Closed AI models, that's what his rival Anthropic does. Now, Nick and I have covered Mark Zuckerberg for over 15 years. We can tell you his positions constantly change, depending on what's best for his company's profits and Zuck's personal power. For instance, those first two AI positions, distillation and closed models, he's changed on those too.

13:01But Jack, since that pivot on July 28th, Zuck has been pounding us with press marketing and kickboxing that AI will be a net positive, trashing the experts who say otherwise. You mean putting in a headlock anybody who says otherwise. And to be clear, he's probably paying that wrestler who he gave the headlock to. Nice body slam, Mr. Zuckerberg. I think that was a one-on-one meeting and it may have been a PM, Jack. It may have been a product manager. So Jack, what's the takeaway for our buddies over in AI? Mark Zuckerberg thinks he's running for president of AI. Here's Zuck's latest announcement about his new AI vision.

13:36Jack, why don't we pass the tape on this? Push and play. We're also working to make sure that everyone has a personal super intelligence agent that works 24 seven on your behalf to improve your health, your relationships, your career, your finances, and more. That sounds amazing. Yeah, it sounds like less like a product launch, more like a stump speech, right? A lot of big promises, even if Zuck isn't required to personally deliver on them. And it's not just those yet. Zuck also launched a$1 billion future is for everyone fund. This will pay cash to people who live near Meta's data centers. And the other month, we covered the launch of American Workforce Academy, also from Zuck.

14:12This will provide free training and guaranteed jobs to people who sign up at Meta's data centers. And you won't hear Zuck talk about job loss, like Dario from Anthropik often warns about. And you won't hear Zuck compare AI to as dangerous as nuclear, like Sam Altman has in the past. No, you're hearing Zuck force us AI positivity, because boy, is AI profitable for him personally. Zuck is running for president of the United States of AI. Now, a quick word from our sponsor.

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15:36That's bill.com slash proven. Terms and conditions apply. See offer page for details. NetSuite next. Yetis, they say time travel is not possible, but have you heard of this theory? Every day your business is late to AI, you fall two days behind. Therefore, if you get ahead of AI, that means you're basically traveling two days into the future. I'm actually fact checking that math with Christopher Nolan right now. Yeah, we got to double check that. But that is definitely how NetSuite Next works because the next leap in how business gets done is by sticking AI into everything you do. NetSuite by Oracle helps you do that.

16:07It automatically surfaces custom insights because their AI has the context of all your business data. AI agents work with you to solve daily problems, saving you time and money. And anytime you have a question, you just ask them like they're your colleagues. So besties, if you aren't sure how to use AI for your company, this is honestly the perfect place for you to start. NetSuite. And once you use it, it'll feel like time travel with Michael J. Fox in a good way. So yeah, it is the first time ever, you can try NetSuite Next for free. If your revenues are at least in the seven figures, go to netsuite.ai slash tboy.

16:36Built for every industry, ready for every boardroom, netsuite.ai slash tboy. For our third and final story, it's the Pays Craze. All the credit cards are suddenly giving a hundred bucks each of free money if you activate Pays. The banks are giving some people a thousand dollars, a grand, but is it worth it? You have to check the CAC. You gotta attack the cack Yeti's the hottest buy of this summer It isn't$30 for your$100 baggy daddy jeans Or your bar tab of Hugo Spritz's It's a$10 gift card to Dunkin' That Dunkin' But it has nothing to do with Dunkin' Jack Because if you follow the money You end up on subreddits about credit card hacks And Facebook groups where people share financial trick shots Where people are gonna tell you You can get a free Dunkin' Donuts gift card If you simply do one thing and one thing only Activate Pays And it's not just Dunkin' You can get$10 of free Domino's pizza,$10 of free pimple patches at Sephora,$10 of free whey protein at GNC.

17:34Yeah, that's why we're calling this the Pays Craze. People have gone crazy cashing in on this before Pays realizes they've made a mistake and stops giving people free money. You search Pays on Instagram, YouTube, or TikTok, you're going to find millions of videos on this. That's why we're telling you about it here. Because credit card hackers, point maxers, and finfluencers, they are freaking out about the Pays Craze. Okay, but pause the pause, Jack, because I'm just going to ask the question. What is Paze? P-A-Z-E. This is the mysterious brand giving free gift cards to people like Oprah. Now, yeah, at least we know what you're thinking.

18:05Paze sounds like a stealthy San Francisco startup. Four-letter made-up word with a Z in it? Yeah. Yeah, it's got to be venture capital backed. But it was actually created by a company called Early Warning Services. Sounds like a biohacking group, but it's actually a company formed by the biggest banks in America. JP Morgan, Wells Fargo, Capital One. They basically own this company, Early Warning Services. And Early Warning Services actually helped the banks launch Zelle one decade ago. You know, Zelle, the peer-to-peer Venmo killer that's owned by the big banks. Well, Zelle worked out so well that the banks have hired Early Warning Services again, this time to build them a version of Apple Pay and PayPal.

18:43You see, Jamie wanted a one-stop checkout option with a sexy little name he could stick in the JP Morgan app. So Early Warning Services built Pays. It's actually been around since 2023, but nobody has used it. Yeah, that's the problem. So that's why on June 15th, they launched a marketing gimmick that went crazy. Spend$10, get$10 back up to 10 times per day. This only worked for certain retailers, but it worked for most credit cards and most debit cards. You simply have to activate pays within your credit account or your debit account. Then you buy$10 from a retailer and you get a$10 credit back.

19:18And that seemingly too good to be true deal set off an odyssey among consumers in pursuit of those free money deals. Because it was really good and it was true, like$10 free at Dunkin' every single day. If you bought a$10 Dunkin' Donuts gift card, that would show up as free on your statement because of the$10 credit. Now yes, this felt like an infinite money glitch and Pays had to install a bunch of limits to slow it down eventually. So now that limit is$100 per card and only one$10 transaction per retailer per day. Still, Jack, tell us about that guy you saw who did the video. Okay, one guy with 20 cards has amassed$2 ,000 in free statement credits.

19:57That means he could buy 10 ,000 strawberry dragon fruit refresher drinks at Dunkin' with all that money. Hang on, that math is way off, dude. You haven't seen the price of these refreshers lately, Jack. I'm pretty sure they're not 10 cents each. Darlene, a round of 10 ,000 refreshers. Others are opening up bank accounts just to get the debit card for the$100 of free credits. Pays, they're giving people$100 free money on unlimited number of credit cards? Spoiler, this ends September 10th. But question, is it worth it for Pays, Jack? I'm skeptical, but we actually have a calculation to confirm it.

20:31So Jack, what's the takeaway for all our buddies looking at the infinite money glitch of Pays craze? You must attack the CAC. Attack the CAC. Yeah, it is. One of the first concepts that you learn about in business school is customer acquisition cost, CAC. How much did it cost to acquire one new customer on average? Well, the beauty of that CAC CAC formula is its simplicity. It's just the total marketing cost divided by the number of new customers. If someone got$1 ,000 in free Dunkin' Donuts gift cards from Pays, then the CAC for that one customer was$1 ,000. But others might have only gotten one free gift card from Dunkin', and for them, the customer acquisition cost was$10.

21:08But Nick, given how viral this free money hack has spread online, we bet the average CAC overall was closer to$1 ,000 than$10. And that helps us determine whether this campaign was worth it for Pays. We need to compare the CAC to the customer lifetime value. If each new Pays customer was worth more than the average cost to acquire it, then this campaign was worth it. Or if, as we suspect, each customer's worth less than the cost to acquire them, then this campaign was a waste. Compare the average CAC to the average customer lifetime value. So besties, every marketing campaign, it costs money. But the CAC, it helps us understand if it was worth it.

21:46Jack, could you whip up the takeaways for us for T-Boy Tuesday? Adidas stock is down, despite tastemaker Pharrell Williams' sneaker clap. Because when the trend gets a mainstream name, it passed. For our second story, Mark Zuckerberg is prioritizing Meta's marketing on glorifying everything about AI. Zuck, he's running for president of the United States of AI. And our third and final story, the big banks are behind the pays craze. Spend$10, get$10 free, up to 10 times a day, up to$100 a card. Okay, so was that insane money glitch worth it for the banks? Well, compare the CAC to the CLV. You gotta attack the CAC.

22:22But besties, this pod's not over yet. Here's what else you need to know today. First, New York Mayor Zoran Mamdani is targeting Amazon with a new New York law, the Delivery Protection Act. It zeroes in on Amazon's practice of giving its delivery drivers independent contractor status. So the new New York City law would require Amazon to be responsible for the work and working conditions of its Amazon vest wearing, but not Amazon employee delivery people. Comment Amazonon if you want us to cover that story tomorrow. And second, Warren Buffett's Berkshire Hathaway is stock maxing right now. They are back to buying stocks, baby.

22:57And that's a big deal because for three full years, Berkshire Hathaway has been a net seller of its stock portfolio. But with the new CEO Greg Abel replacing Warren Buffett, the world's most famous financial firm bought 10 billion bucks of Google stock and a bunch of smaller stocks over the last quarter. The old CEO thought that the stocks in the market were too expensive. The new CEO apparently doesn't. And finally, Burger King's sales jumped 9 % and had been chewing up market share from their rival McDonald's. In fact, Burger King just passed Wendy's to become the number two burger chain in America.

23:28And one big reason why? The president of Burger King gave away his phone number publicly. Yeah, I think we covered it on the show, Nick. Yeah. He did a marketing campaign that you could send him direct feedback, and he gave you his phone number. Most people probably didn't do it, but they thought, wow, this guy must be really behind his product. I mean, I never texted him. I just added it to my phone so I can show people I have his number on my phone. It's more of a— That is a flex. That is a flex. Sad note, Mickey Drexel just texted me.

23:58Now time for the best fact yet This one sent in by Lloyd and Harry from Aspen California, beautiful Yeti, if you want to buy a home in Aspen We hope you have that briefcase from Dumb and Dumber The median sale price of a single family home in Aspen Is currently$20 million, all time high That's insane But if you still are interested in buying a home in Aspen And you want to get a good deal Then go when there's no snow Because get this We just got data that Aspen home prices rise and fall depending on the amount of snow on the ground. Basically, more powder, higher prices, less dump and more drop.

24:33This past season, they had the lowest level of snow since 1976 in Aspen. And home sales dropped by 42%. In 2020, it was similar. That was the second worst year for home sales. And they only had 233 inches of snow that year. On the flip side, 2022 had the second most home sales ever because they enjoyed 94 days of fresh powder. Buying homes, it's emotional. And if you buy a home in Aspen, you're picturing snow. Where the wine flows like the salmon of Calatrava. I think that's almost the line from the movie. I think that's what the real estate agents are saying, Jack. Yeah, it is. You look fantastic today.

25:11Jack, you are glowing. What are you wearing right now? You got to switch the shoe. We can't wear the new balances in the next meeting. No, I was personally triggered by this story. Zaslav's going to kick us out. He's never going to invite us back, Jack. You're going to get me started on Sarandos. I'm so excited for our TV pitch. I'm so worried by the signal I sent with my team. Yetis, you are looking fantastic too. And the best way to grow today's show is tell a buddy HYH-TVOY in the group chat. Have you had the best one yet? If you know, you know.

25:41And before we go, a happy birthday to legendary Yeti, Darren Jackson, turning 34, celebrating with the wife, Christian, and seven-month-old Elijah in Richmond, Texas. And that 529 account, it's already underway. And Derek Netto is turning 32 years old over in Queens, but hopefully made it to Ibiza again. Happy 27th birthday to Aaron Brown in Dallas, Texas. And Rich Jaffe, we see the birthday in Pennsylvania. Natalie Kwan, happy 30th birthday in San Francisco. And a happy birthday to Sam Mott, the best Euchre player on the East Coast. Happy 14th wedding anniversary to Sammy and Jamie in Everett, Washington, just outside Seattle.

26:14And Tomiwa Afolabi is launching a newsletter, the Nigeria Report, about his home country's economy. Check it out. And to anyone else celebrating something today, make it a T-boy. Celebrate the wins.

26:27This is Jack. I own stock of Berkshire Hathaway, Reddit and Amazon, and Nick own stock of Nike. Hi, this is Paige from Giggly Squad, and today's episode is brought to you by McDonald's. Honestly, Caesar sauce and a Diet Coke at McDonald's might be the perfect girl dinner. And McCrispy strips dipped in Caesar sauce, no notes. Right now at participating McDonald's, the$2.99 Caesar snack wrap is making me rethink my entire go-to order. Caesar sauce is at participating McDonald's for a limited time, so go try it before it's gone. Prices and participation may vary.