🧙 “Predictable” — Predictions takeover news. Chanel’s subway runway. Trump’s Golden Ticket. +Pantone’s Color of 2026

0:28This is Nick. offering. So besties, grab your tickets today. Jack and I put the links in this episode description, snag them while you can. It's very exciting to have our travel planned for next year. Austin, Texas, Washington, DC, New York, New York, Los Angeles, California, and more being announced later in the year. You just reminded me, I got to book our airline tickets. But in the meantime, yeties, grab your tickets to our live tour. And Jack, we got three fantastic stories for today's T-Boy. For our first story, in the last three days, CNN, Fanatics, and CNBC have all partnered with prediction markets.

1:02The biggest boom in industry outside of AI, it's prediction markets. And honestly, we should have predicted it. For our second story, it's Chanel, because this luxury fashion brand just had a fashion show on the New York City subway. The subway on the C-Train, because the background is the ultimate foreground. And our third and final story, The new Trump accounts, a.k.a. baby brokerages, have sparked a major land grab on Wall Street. What bank is going to get the golden ticket that is the 40 million Trump accounts for America's kids? But yet is before we hit that wonderful mix of stories. Who is going to be the Charlie in the bank and chocolate factory, Jack?

1:41Peach fuzz. Yes. Living coral. Okay. Very peri. Interesting. Cerulean blue. I know you know what all these have in common, Nick. Yes, Jack, all of those colors were once the Pantone color of the year. Pantone. The authority on everything color in this country predicts what color will trend in the coming year. The most highly anticipated aesthetic decision of the year, it's like the Grammys for the rainbows. But this isn't just about visual vanity. The Pantone color of the year is a profit puppy. Because whatever color Pantone picks sees a double-digit sales surge. It's a self-fulfilling prophecy, which leads to the big news.

2:17The Pantone color of the year for 2026. Well, Jack, for the first time ever, it's actually not a color. It's Cloud Dancer. That's right, Cloud Dancer, which is actually a shade of white. Not Tiny Dancer. No, no, no, no, no. Cloud Dancer. Sorry, Elton John. This sounds less like a color, more like a romance novel. More specifically, Jack, it is color code 11-4201 to be precise. It's the first time in 26 years that Pantone has chosen a shade of white. And Jack and I jumped in T-boy style. this color looks like an eggshell on a coconut flake mixed with mayonnaise. Now, technically, white is not a color.

2:52White is the absence of color. So, I'm throwing in a challenge flag, Pantone. Better be a white challenge flag, Jack, because Pantone's prediction is that consumers will want a feeling of calmness in the next year. Yes, a blank slate in a world of chaos. Hence, their color is not a color, but a lack of color. Cloud dancer. Hey, Pantone, you should have chosen Slammin' Salmon. Trust us on that one. In the meantime, we're going to wave a white flag. We're going to call back Jack. Let's hit our three stories. 15 years before this song, two boys from the Northeast met in a dorm. They had an idea to cause a cultural storm.

3:26It'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, because we ready to go. We can't wait no more, so just start the show.

3:45Start the show. First, a quick word from our sponsor.

3:56Monarch. I had these one lobster roll. No joke. 50 bucks on Nantucket. And why is that a problem, Jack? Because we're going to Nantucket this summer on a joint family T-boy trip. It's a write-off. It is expensive, but we will travel with peace of mind because our finances are organized in Monarch, despite the lobster rolls. Monarch is the personal finance app that tracks everything. Accounts, investments, savings goals, and spending. Get your first year of Monarch Core for half off, just$50 with promo code T-Boy. Monarch shows visually how much you're spending this month compared to the average month, which is really useful.

4:28So like, honestly, this month, been a doozy jack. Booked a lot of travel, but I know the future months won't be as bad after lobster roll season. You know, because Monarch showed you. Last year, you had a spike in May for travel bookings, but a dip in the summer because the travel was already paid for. You can even ask Monarch's AI assistant anything about your finances. Like, what are the key changes in my spending so far this year compared to last year? And how much was spent on lobster rolls last summer? Use code TBY at Monarch.com to get your first year of Monarch Core at half off, just$50.

4:58That's 50 % off your first year at Monarch.com with code T-Boy. Bureau Premium Non-Alcoholic Beer. All right, Yetis, a little behind the scenes here. Before our New York City live show back in April, Jack and I went sober for two weeks. True story. Couldn't risk getting sick. I didn't want to be groggy. I couldn't afford a hangover. It was New York, baby. Okay, but Jack, celebrating the wins is what we do. And so for our live shows, we crack open something special. So we drank Biro, the premium non-alcoholic beer brand co-founded by Tom Holland. Yeah, I actually first saw it at my grocery store.

5:32Delicious tastes like a celebration. Feels fantastic and looks legit. More on the looks in a sec. And if it's good enough for the actor who played Spider-Man, it's good enough for us. You see, it pairs well with a pickleball game, a profitable earnings report, or with the best podcast. So, Yetis, if you want to celebrate the wins with all the taste of a premium lager or IPA, but none of the alcohol, there's no better choice than Bureau. Okay, pause the pod. Did we mention the can is straight up gold? This thing will stand out at every one of your next parties. Trust us, we've done it. Only beer we know that actually upgrades the scene like a promotion.

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6:18For our first story, CNN, CNBC, even Fanatics, the sports clothing company, they all announced predictions markets just this week. Predictions are a two-headed profit puppy, and investors want in. All right, Yetis, if we're going to tell this story, let's whip up a timeline. Jack, prediction markets, they already had their mainstream moment like a year ago. That was last November, the 2024 presidential election. Prediction markets accurately predicted that President Trump would win. But then last Sunday, prediction markets got introduced to America's senior citizens. Your grandma now knows the term.

6:55Yeah, because Polly Market's founder and CEO was the lead interview on 60 Minutes. But then on Tuesday of this week, prediction markets got their debut mainstream business deal with CNN. The mainstream media icon will use Kalshi Predictions data on screen, right underneath Wolf Blitzer's talking head. And what is it going to show exactly, Jack? It's going to help viewers understand the likelihood of whatever Wolf is talking about, what's the chance it actually happens, according to predictions markets. There's a 17 % chance that Anderson Cooper bleaches his hair in the next segment, that kind of thing.

7:28And guess what? Right as we turned on the mics to record this episode, CNBC announced the same deal with Kalshi that CNN just announced. Now, besties, we know what you're thinking. ESPN has been doing this kind of thing before with sports betting for years, right? While they're talking about the Miami Dolphins, you'll see on the screen a 20 % chance that Ray Finkel misses this next field goal. But now, with CNN and CNBC, political, financial, and general news will use predictions data too. There's a 20 % chance that Ray Finkel becomes the CEO of Microsoft by December 31st, 2026. If you know, you know.

8:03Now, Yetis is what we find fascinating. In our eyes, prediction markets are two different things. Or if you're an investor, two different profit puppies. Nick and I have thought a lot about this. Prediction markets are both a way to gamble money and a way to predict the future. Now, besties, we have said before that buying a prediction contract is fundamentally the same thing as betting. At Kalshi and Polymarket, the lawyers will spank you if you say bet or wager, but you can bet on the Yankees to win or predict that the Yankees will win. And either way, you get money if the Yankees win and you lose money if they lose.

8:35But what you may not realize is that prediction markets have expanded way beyond sports and way beyond politics. Yeah, there are prediction markets for culture, crypto, climate, economics, public health, you name it. Jack, the top prediction market right now, what is it, man? Who will become the next James Bond, succeeding Daniel Craig? Spoiler, by the way, the smart money's on Callum Turner. Trust us, it's gonna be Callum. Although Tom Hardy is in the running too. You haven't seen Callum's abs. You clearly haven't seen Callum's abs, Jack. And therein lies the other side of prediction markets.

9:07It's not just a place to gamble money. There's also information about the future that is diverse, valuable, and interesting. Yeah, this is really what we find fascinating. Until now, we've relied on experts and polls to predict the future, but both of those sources are flawed. Prediction markets aren't perfect, but when the masses put their own money on the line, it is shown to eliminate bias and be highly accurate. Jack, what did Polymarket CEO say on Sunday in that 60-minute interview with bleached hair Anderson Cooper? He described prediction markets as the most accurate thing we have as mankind right now.

9:41Now, he's biased, but that's what CNN wants prediction markets to be for them on the screen when you watch the news. They want to tell the viewers the likelihood of future events actually happening. So, besties, if you want to know what will happen in 2026, don't just listen to the analysts. You should really look at the prediction. Because when you got money on the line, you're not a Dolphins fan anymore. You're just wondering, is Ray Finkel going to make this field goal or not? Honestly, I can't believe we didn't predict all this, Jack. So Jack, what's the takeaway for all our buddies watching the prediction markets?

10:12Predictions have pulled off something only AI ever has. Three fundraisers in one year. The old three in one. Now Yeti's call sheet, they've done fundraisers this year valuing the company at$2 billion, then$5 billion, and then$11 billion. It's more than Lyft. And its top rival, Polymarket, they've done the same. Their private stock, because they haven't IPO'd yet, is now worth$8 billion. Honestly, the only other industry that Jack and I have seen raise so much money so fast is scooters. No, I'm just kidding. It's AI artificial intelligence. Because the betting part of predictions is scaling faster than legalized sports betting can.

10:49And it's less regulated too. While the information part of prediction markets is proving valuable as well. Although CNN is not paying Kalshi in this deal, we bet future licensing deals will bring the big bucks. Prediction markets, they're a two-headed profit puppy. And they've pulled off something only AI ever has. Three fundraisers in one year.

11:15For our second story, Chanel, the luxury fashion label, just did an entire runway show on the New York City subway. And we think it's how every company should be launching new things. In places like the New York City subway. Besties, if fashion icon Coco Chanel were alive today, we bet she'd be a Yeti. I bet she'd buy live tickets to our show. I bet you would too, Jack. But what she would not love is the state of her fashion brand. Because for Gen Z, Chanel's Chanel. Yeah, in the last year, revenue for Chanel is down 4%. Profits have plummeted 30 % for the brand. Can't spray Chanel number five on those numbers, Nick.

11:55No, you can't. As the current CEO just put it, though, we are a 100-year-old brand. we ebb and we flow. And you know what, Yetis? Jack and I have said, fashion has fads and this may be one of them. But it's a little bit self-inflicted because Chanel has jacked up prices more than their peers. They have. Since 2019, Chanel handbags have doubled in price. But the rest of the luxury industry, they've only risen those prices by 50 % according to the Financial Times. But Chanel does have a comeback planned to reconnect with customers. And no, it's not free breakfast at Tiffany's. But yes, you are going to have to bring your MetroCard.

12:29Because the answer lies in the subway. The subway. Get this, Chanel just did an entire runway show on a New York City subway platform. That's right. The$40 billion luxury brand took over an abandoned subway station in New York City, the Bowery Street location. And they took over a real subway train, the C train. And you see what they did there by choosing C? The blue C of the train logo matched Chanel's famous logo. Yeti's Jack and I jumped in T-boy style. The models were literally walk in the platform, bootleg, clothes, quilted earmuffs, all on dirty concrete. It's not often you see ASAP Rocky, Kristen Stewart, and Jon Bon Jovi in the same place, but they were all there.

13:08Yeah, they were all at this runway show. We estimate this is the largest concentration of wealth ever in a single subway car. Honestly, fact check us on that one, but we're pretty sure. It was creative. It was beautiful. Jack, it was an impressive fashion show by Chanel. It also was probably the leaked plot of Zoolander 3. That's right, because at the end of the day, the concept here is that great brands have a tension. We've told you that before. Luxury and dirty mass transit, commuter trains and$8 ,000 coats, that's tension. But also there may be a little bit of hypocrisy in this tension. The subway is cool, but this was a private subway, which is kind of anathema to the subway.

13:47And they're also idolizing subway chaos while spritzing it with$175 perfumes. Stand clear of the closing doors, please. Talking to you, Bon Jovi. So Jack, what's the takeaway for our buddies over at Chanel? Sometimes the best star of the show is actually the stage. Yetis, this Chanel subway runway show is the rare story covered by the Wall Street Journal and the New York Times and Vogue magazine and TikTok. An exclusive luxury fashion brand got broad mass attention, not because of the product, but because of the setting. And you know what? They're not the only fashion brand using location to broaden relevance of their products.

14:27Fendi did a runway show on the Great Wall of China. Kaz did one inside a Greek marble quarry. Jack, the French brand Vetements did a fashion runway show at a McDonald's in Paris. Of Emily in Paris fame. Not possible, oh possible. It's a lesson from the fashion industry that we think other industries should copy. Totally. Like Jack, why do another Apple event at the Apple campus in California? It'd be pretty epic if the iPhone 18 was announced in the Grand Canyon. Tim Cook, we know you're listening. We'll see you in Arizona. Because the real audience aren't the people in the room anymore. It's everyone watching clips of the event on TikTok.

15:08So take the background and make it the foreground. Now a quick word from our sponsor. Top hats, baseball hats, Von Dutch hats. We wear so many hats on this podcast. Honestly, we're not great at all of them. No, we've been avoiding hiring someone to wear those hats instead of us, especially the Von Dutch one, because hiring and training can take forever. Well, proud to say that we are hiring right now at T-Boy, and this is a job for Indeed Sponsored Jobs. Because sponsored jobs posted directly on Indeed are 95 % more likely to report a hire than non-sponsored jobs. So besties spend less time searching and more time actually interviewing candidates who check all your boxes, less stress, less time, more results.

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16:49For our third and final story before the weekend, there's a new golden ticket on Wall Street. One lucky bank will get the 40 million Trump baby accounts. The bank of Gen Alpha is a generational opportunity that every finance company is fighting for right now. Yetis, this story is actually a wild development because earlier this week, the Dell family announced a$6 billion donation and we told you about it as a story. The Dells are giving$250 directly to 25 million American children. This was a huge expansion of the Trump accounts for kids. The Trump accounts are the baby brokerage accounts for kids born in Trump's second term and they each get a thousand bucks from the government.

17:33Those Trump baby accounts will now include 25 million one to nine year olds, thanks to the Dells, plus 15 million babies born in the next four years, thanks to the big, beautiful bill. Besties add it all up and we're talking 40 million kids who will now have baby brokerage accounts with free money sitting in them. Jack, can you sprinkle on some context? That is a population the size of Canada. Which leads to the big question, which company is going to get those brokerage accounts? That is the new golden ticket, Nick. That is the Charlie in the Cha-Ching Financial Chocolate Factory, Jack. Now we should point out, it could be a few golden tickets.

18:11Like one financial institution will get the brokerage accounts, and another could become the default ETF that the money gets invested into. Or Jack, when it comes to this golden ticket, it's possible the Trump administration splits it among a bunch of different banking institutions. But President Trump loves acting as kingmaker, so it's quite possible he chooses just one. Either way, Eddie's Jack and I were fascinated in this financial frenzy of golden tickets, and we are econ guys. We're also business guys. We're also history guys. We're also fashion icons. And there are some precedents that we think that can help explain this situation.

18:48We've seen government policy result in a boom for private industry and where the government acts as kingmaker in the market. Jack, let's whip it up on the whiteboard here. Let's start with the railroad companies. When they were building the Transcontinental Railroad, the government gave 10 to 20 square miles for free of land to each railroad company that laid down a mile of track. Or Jack, how about the creation of Medicare and Medicaid? That seeded the growth of the private healthcare industry, which is huge today. Or maybe the best example for our analogy here is the 401k retirement account.

19:21In 1978, Congress created what became the primary way that Americans would grow their financial wealth. The 401k. And that golden ticket of who would manage it was split between Fidelity and Vanguard, who now manage trillions of dollars of 401ks today. But these Trump accounts are an even more direct financial opportunity. Jack Robinhood, Schwab, JPMorgan, Webull, everyone wants to be the government's hand-picked home of the Trump accounts. They all want the golden ticket. We should point out, this golden ticket could turn out to be fool's gold. Oh, yeah, just look at Goldman Sachs, right, Jack?

19:56Six years ago, Goldman got picked by Apple to handle the Apple Card, to become the preferred credit card of all iPhone users. Yeah, but that golden ticket didn't work out for Goldman Sachs. Turned out the Apple Card was a big money loser. Still, according to the Wall Street Journal, these new Trump baby accounts, plus the big donation from the Dells, everyone wants a piece of it. It's resulted in a huge lobbying frenzy. It is literally like the opening scenes at Charlie and the Chocolate Factory. I think Robin Hood's going to build a statue of Donald Trump in front of the White House to try to get this deal.

20:26It's a write-off. So Jack, what's the takeaway for our buddies over on Wall Street? With one stroke of his pen, President Trump will ordain the Bank of Gen Alpha. Yetis, acquiring customers is one of the most expensive parts of business. But this golden ticket gives them 40 million customers for free. Now, whoever wins is probably going to have to drop fees probably to zero. True, Jack. But they should be happy too, because eventually those kids will become adults, and we're talking paying customers at that point. Besties, there are a couple reasons why your first financial account is often your financial account for life.

21:01First is the window of loyalty. You simply become loyal to the products you use as a kid. And second is the Hotel California strategy. Financial firms make it really hard to switch financial firms. Oh, you can check out anytime you like. But you can never leave. Yetis, this is the biggest lobbying effort of a generation. What financial institution will get the golden ticket of the Trump baby accounts and become the Bank of Gen Alpha? Jack, could you whip up the takeaways for us for The Real Friday? Kalshi announced licensing deals this week to both CNN and CNBC. Because prediction markets are a two-headed profit puppy, and they're growing right now like AI.

21:43For our second story, Chanel did a runway show on the New York City subway. Other industries should choose creative locations for their launches too. Because the star of the show can actually be the stage, make the background the foreground. And our third and final story, Robinhood, Charles Schwab, JP Morgan, they're all lobbying to get the 40 million Trump baby brokerage accounts. It's the new golden ticket, a generational opportunity to bank gen alpha. But besties, this pod's not over yet. Here's what else you need to know today. First, Mr. Beast is launching a phone service, Beast Mobile. He just announced it at the New York Times Deal Book Summit.

22:20Mr. Beast's business is now worth$5 billion, and his next revenue stream will be AT &T for teens. By the way, wireless networks are like the surprise hot new celebrity business, right, Jack? Ryan Reynolds, the SmartList podcast, President Trump, and now Mr. Beast, they're all competing with Verizon. Which is why Jack and I are pleased to announce. No, actually, no, we're not going to announce it. For our second story, it's a wild situation in Menlo Park. Mark Zuckerberg is deleting the meta from meta. Get this, Zucky Zuck is considering deep budget cuts of the metaverse team by as much as 30%.

22:53To recap here, they changed the name of Facebook to meta to focus on the metaverse, but now they want less metaverse. Yeah, it's kind of meta. investors, they loved the idea though, and they boosted Meta stock 4%. First, he dropped the the, then he dropped the Facebook. Now he's dropping the Meta. Jack, I heard Zuck's going to change the name of the company to TikTok. It's just a rumor. It's just a rumor. And finally, Hershey just announced their newest product, Dubai Chocolate. Just one problem. They're a year too late. Jack and I did a story a year ago on Dubai Chocolate when Shake Shack launched their own version of the popular flavor.

23:28Because the pistachio-flavored chocolate went viral in late 2024. It's late 2025 now. We're not critiquing you, Hershey. We're just, we're welcoming you to the party. Welcome to the party. Now, time for the best fact yet. And for this one, Jack and I just want to thank you. Thank you for sharing your incredible Spotify raps about this podcast. For 18 ,200 of you, we were your number one podcast of 2025. We could fill Madison Square Garden with just the number one show listeners of you. And all of you listen to us for 878 ,000 hours on Spotify. Which is equal to 100 years of T-Boy episodes. Exactly 100 years.

24:09Exactly 100 years of this pod was listened to on Spotify. Oh, and also we just hit 320 ,000 followers on Spotify. That's the population of Pittsburgh. And these numbers were just on Spotify. Which is not even our top listening platform, which is actually Apple. So thank you. We are blown away and we're extremely grateful. We've gotten so many DMs and so many tags. We are trying to get to all of them. It's been frigging awesome. I know a lot of people are annoyed by Spotify rap day. It's best day of the year. We love it as podcast hosts. So HYHTVOY, thank you so much. Oh, and before you go, remember to grab your T-Boy live tour tickets.

24:49It'll be the best show yet. Four cities are available right now to purchase. Celebrate the wins.

24:58And before we go, congratulations to Yeti's Beth, Bethany, Renee, Robbie, Julie, Craig, Richard, Charles, and Manuel in Memphis, Tennessee, who are running on the St. Jude Marathon this weekend. You got this, guys. And good luck to Vashvi Patel in Clemson, South Carolina, who's finishing finals this week. And a happy birthday to the cutest kiddo in lovely Los Angeles, Nate Muni. Congrats on two years old. And to the parents, a double congrats. Happy birthday to Ivan Laura, who's turning 40 in Washington, D.C. And Addison Collis in Owensboro, Kentucky, dancing to the intro. We love having you with us, Addison.

25:33Happy birthday. Happy birthday to Nancy Chong in Sugar Land, Texas. And Everett Heinemann is turning one year old down in Redwood City, the bestie since in utero. And congratulations to Elijah Jerome in Canton, Georgia, who just had his bar mitzvah. And a shout out to Tia and her three boys who listen all the time. Jack, I just ran into her in San Francisco and she showed me we were her top podcast right there. And finally, a big shout out to Teddy, my younger brother from Brattleboro, Vermont, whose Spotify rap says he's 86 years old based on his listening preferences. Hey, Teddy, I know Jack's making fun of you, but you can listen to Mozart with me any day, man.

26:13This is Jack. Nick and I both on stock of Apple, Spotify, and Robinhood. This episode is brought to you by Bill, the intelligent finance platform that helps businesses scale with proven results. Yet he's paying and getting paid? That is a pain for small and medium-sized businesses. Jack, did you send the invoice? Did they see the invoice? Did you remember to remind them to see to pay to remember to pay the invoice? If you drop the ball in any one of those steps, you don't get paid. Nope. And you're missing out on cash flow. You should not have to chase your customers. This isn't tagged. So powered by AI, Build does all that simply and automated so that you don't have to.

26:47ACH, credit card, check, international wire transfers. They probably do carrier pigeon Bill Pay, if that's how you want to get paid. Bill is the intelligent finance platform trusted by nearly half a million businesses and 98 of the top 100 US accounting firms to manage, move, and maximize your money. They have securely processed over a trillion dollars in real transactions. That is proven infrastructure you can actually trust. So besties, talk to an expert at bill.com slash proven and get$150 gift card as a thank you. That's bill.com slash proven. Terms and conditions apply. See offer page for details.