🏈🫧 “Super Bubble” — AI’s ad curse. Ferrari’s electric iCar. Grubhub’s fee prohibition. +Bad Bunny’s Instagram wipe

0:28This is Nick. your secret safe with us. We were working yesterday, just saying. Just saying. And three fantastic stories for today's pod. Jack, what have we got on the T-Boy? For our first story, Bad Bunny and Sam Darnold's red beard weren't the only Super Bowl highlights. We're looking at the commercials and what they all tell us. Because the Super Bowl just flashed a massive cell signal we've seen before. This is a super bubble. For our second story, Ferrari finally launched an electric car, and they did it with the iPhone designer. And the Ferrari electric car is the most different car of all.

1:01And our third and final story. Grubhub is doing the opposite of every other delivery app. They're not adding fees, they're eliminating them. Can Grubhub win by making food delivery free forever? We've got the answer, and the answer is a Harry Potter analogy. But yetis, before we hit that wonderful mix of stories. I mean, no one else doing the mix. Love the mix, Jack. Wildest part of the Super Bowl wasn't the game, actually. Nah, that was a Boston massacre, Jack. Wasn't the pregame either. So many ex-athletes in suits, my friend. And it wasn't even the halftime show everyone's talking about. Or the real wedding within the real halftime show.

1:34It's what Bad Bunny did right after the halftime show. Because get this, Bad Bunny wiped his entire Instagram clean as soon as he got off stage. Every photo on Bad Bunny's Instagram is gone right now. Every reel on his Instagram deleted. As they say in Spanish, finalizado. Dios mio, Jack! We still have Instagram photos up of you and I doing our first beer pong game together in college. I know. We really need to do a purge of those photos now. But we also have pictures of weddings, babies, bachelor parties, you name it. We got the memory up there, baby. And like four too many topless pics as well.

2:09But Bestie's Bad Bunny just wiped his entire Instagram history like he's in the Witness Protection Program. 52 million followers were freaking out on Monday morning when they realized it. Now, while Bad Bunny didn't provide an explanation, Jack and I think that there's a clever business strategy at play. Because the only thing he left up on Instagram is a link to listen to his latest album. So Jack, can you please repeat our rule number 28 of marketing for the besties out there? Simplicity sells. Simplicity sells. When the whole world is looking at your Instagram, keep the message simple. Even if the cost is that picture of you and your Nana.

2:44Honestly, she's going to understand. So the biggest ad of the Super Bowl, it's Bad Bunny's Instagram profile. Wait a second, Nick. The name of his album was I Should Have Taken More Photos. Do you think that has something to do with this? And it all comes full circle. Roger Goodell, 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. 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 because we ready to go we can't wait no more so just start the show start the show first a quick word from our sponsor

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4:40Yes. I funnel all my revenue from being a host on Airbnb into one bank account and use that same bank account to book travel for myself. Basically, it's Jack's host guest bank account for when he hosts and when he's a guest somewhere else. When I lived in the city neck, every time my apartment was available on Airbnb, it would get booked like that. I mean, think about how often are you away from home? You got the bridesmaid, you got the shower, you got the bachelorette, you got the wedding. That's three weekends away just for one wedding right there. Plus, you got to visit your mother. Naturally.

5:10Well, that's a lot of potential hosting that you could be doing on Airbnb. Let someone else stay at your place while you're away. Take that host money and spend it when you're a guest somewhere else. Have a business model like me. If you want to travel more, hosting more is a great way to make it happen financially. Your home might be worth more than you think. Find out how much at airbnb.com slash host.

5:32For our first story, Super Bowl commercials. We're looking at our favorite, which was the perfect collab. The overall theme, which was artificial intelligence. And one ominous warning. When an industry has its Super Bowl moment, it's actually a curse. Super Bowl or Super Bubble. But yet he's let's start the story with the double B Bad Bunny, already the number one stream musician of 2025, he was putting up Taylor Swift numbers. Actually, he was beating Taylor Swift. And despite starting from that really high base, streams of Bad Bunny's music rose by 470 % the day after the Super Bowl. Which led to the top trending search on Google Monday.

6:10What was it, Jack? How to speak Spanish. That's right. Bad Bunny's Hollywood level halftime show was the biggest winner of Super Bowl 60. But guess who's riding Bad Bunny's coattails on Monday? I'm sorry, Jack, is that Elf Beauty? And I'm sorry, Jack, is that Duolingo? Yes, a beauty brand and a translation app together are piggybacking on Bad Bunny right now. And I should point out, Yetis, that does seem surprising, but not to us. We did interview both their CEOs on this podcast for you just last year. All right, let's talk about the commercial though. In the commercial for Elf Beauty, Melissa McCarthy stars, and she's trying to learn Spanish.

6:46Basically, Jack, she's trying to go from a Karen to a Cariño, if you know what I mean. But according to the ad, applying Elf Beauty lip oil helps you roll the R's. And here's the key. Elf also partnered with Duolingo for this commercial. Elf is offering all their rewards members one month of free Spanish language learning on Duolingo. Add it all up, a clever collab commercial. Similar target audience. They split the cost of the promotion and they capitalize on a post-Super Bowl interest in Espanol. Well done to Elf Beauty and Duolingo. But overall, there was a different theme to this Super Bowl when it comes to the commercials.

7:21See, see, Jack. It was artificial intelligence. Because get this, 15 out of the 66 ads in that Super Bowl featured AI, baby. Amazon hired Chris Hemsworth to showcase Alexa Plus. Meta hired Marshawn Lynch to say, hey, Meta, like a half dozen times. And Gemini hired a mom and a toddler to reimagine the nursery using AI and causing all of us to weep. Microsoft's co-pilot had an ad. OpenAI had an ad. Claude had two ads that we covered last week. Oh, and if you weren't using the ad to promote AI, you were using AI to produce the ad. That's right, because using AI, Svedka resurrected their Fembot mascot from 2005 to promote their famous vodka.

8:00Add it all up, and according to Adweek, 23 % of the Super Bowl commercials this year featured AI in some way or another. Oh, but pause the pod. Here's the wildest. One company even dropped 70 million bucks to buy the website AI.com. Which is now the answer to a great new trivia question. What is the most expensive website domain ever purchased? It's AI.com. That's right. But after that ad in the Super Bowl, so many people flooded the site that it crashed, including us. We were there too. Although isn't.ai an option? Like what about AI.ai? That would have cost 80 million bucks, Jack, and you can still smell the burning cash from the catastrophe.

8:37So all of this sounds like progress for AI. What better measurement of mainstream relevance than Super Bowl commercials? But it turns out history actually suggests the opposite. History suggests there's a Super Bowl commercial stock market curse. Super Bowl, super bubble. You're talking about Woody's butt in their commercial? Because I saw that. That was pretty cool. So Jack, it feels like we're approaching a takeaway moment. Oh, ¿cuáles los takeaways para todos nuestros amigos? Ah, t-boy. Flooding the Super Bowl is actually a sell signal. Yetis, it looks like 2026 was the AI Bowl. Artificial intelligence had its big Super Bowl moment.

9:14And that reminds us of 2022, which was dubbed the Crypto Bowl. Remember when Matt Damon, Larry David, and Coinbase had that QR code bouncing around the screen? Well, Jack, two decades further back, reminds us of the Internet Bowl of 2000. Every commercial was of the new internet companies. And therein reveals the Super Bowl curse. When an industry takes over the Super Bowl's commercials, a downturn tends to follow. Right, because that crypto bowl was preceded by a crypto winter and FTX bankruptcy. And the internet bowl preceded the vicious dot-com bubble. So besties, AI companies, they've spent so much money building out AI models and huge data centers worldwide.

9:51And the Super Bowl commercial splurge we all just witnessed reveals how urgently they all feel they need to start making money right now. Yeah, it is. When an industry takes over a Super Bowl with commercials, not a good sign. The Super Bowl could be a sell signal. For our second story, Ferrari just unveiled its first ever electric car, the last major car brand to do it. And Ferrari's electric car is designed by Apple's Johnny Ive. But this vehicle is shockingly anti-iPhone. Now, besties, as fans of the pod, you know that in our weekly show, the best idea yet. We did a whole episode on Ferrari.

10:28Remember that, Gem Jack? Well, it's funny. You read the biography of the founder before we did the episode. And that's why we sprinkled the whole episode with so many quotes from Enzo Ferrari. Okay, my favorite Enzo Ferrari quote is, the customer is not always right. I thought he went creative, man, said the customer's usually wrong. Yeah, there were some Italian profanities I left out of that one. But our favorite quote from Enzo Ferrari, founder of Ferrari is, I don't sell cars, I sell engines, I throw the car in for free. He invented the V12 engine. So this guy loves the and the whole feel and the vibration of it all.

11:02Which is why Enzo Ferrari would have hated electric vehicles. And that's why it took this long. Ferrari is the last car company to go electric. Maserati did it in 2023. Porsche did it back in 2019. And now Ferrari. Because last week the team flew to San Francisco to unveil the Luce, the Ferrari electric vehicle. That's right. It means light in Italian, and it was actually designed by the iPhone designer. Six years after he left Apple, 10 years after Apple was supposed to give us the iCar, Johnny Ive created the entire interior of this Ferrari. This thing is so stunning, we actually noticed it in vogue before we noticed it in CNBC.

11:41Now, the unveil last week only showed us the interior. We still don't know what the outside of it looks like. Which means all the focus was on the controls, the screens, the UX, user experience, as the techies would call it. And since Apple never ended up making that iCar, this Ferrari, designed by the Apple guy, is the closest we'll ever get to seeing the Apple car. Besties, pump the brakes for a sec. The first electric Ferrari is the opposite of every other electric car out there. Because it's got knobs, switches, and buttons galore. That's right, Yetis. This Ferrari EV is more BlackBerry than iPhone.

12:13Up and down switches like an airplane cockpit. Most electric cars are inspired by the iPhone. All screen, no buttons, sleek, different than gas guzzlers, and futuristic. I mean, there's not a knob in my Tesla. Jack's got an electric vehicle too. There isn't even a key. It just like turns on with your phone when you walk toward it. Sometimes that's great. Sometimes it's annoying. Rivian, come on, man, open that door. But this Ferrari electric car isn't like other electric cars. It's got tactical switches, physical buttons. It is a festival of controls. You want the heat seat on, jack, you got to pull a switch.

12:45The AC, you got to flip a button. The clock, it's an old school 12-hour chronograph. You can't control the air vents with a swipe of the finger. There's a big aluminum handle. You got to twist with your actual hand. I mean, yes, there is one Santa console screen like all the other cars have out there. You got to have that these days. But it's actually got buttons on it, unlike Nick's Tesla. As the iPhone designer put it, just because the power source is electric, why does the car have to be so digital? He actually tossed shade at Tesla and said other EV makers are being bizarre and lazy by just emulating the iPhone on everything.

13:18His point, it's ironic, but the more we see self-driving, the more we're going to miss actual driving. So instead of making a car that looks like our technology, he's making technology look more like the car. So Jack, what's the takeaway for our buddies over at Ferrari? Screens are the new beepers. Yeti's, sometimes tech visually defines an era, but then just gets left in the past. Like the beeper on your dad's belt in the 90s. You still hear that thing. Well, Jack and I are seeing early signs now that the screen is going to go the way of the beeper, the fax, the CD player. Screens are going to go away.

13:52Just look at Snap and Meta's glasses. There's no screen. It's designed for a future where it's all built into the lens. Jack, Sam Altman's first AI device, it's rumored to have no screen, just a silver orb that listens, sees, and speaks to you. From laptops to TVs to phones, we humans spend seven hours on screens or more every day, and we have no choice but to do that. But Ferrari's surprise anti-screen electric car is a reminder of an early pivot we think is happening right now. This is the beginning of the end of screens. One sec, Jack. It's the beeper. Now, a quick word from our sponsor. NetSuite by Oracle.

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16:10Are you familiar with the Sankey diagram? I had no idea what it was yet. Well, once you see it, you can't unsee it. It's brilliant, and Monarch visually shows you what you're spending. And we did not make up that term. Your investment portfolio, Monarch compares it to the S &P 500 for you. Set yourself up for financial success in 2026 with Monarch, the all-in-one tool that makes proactive money management simple all year long. Use code T-Boy at Monarch.com for half off your first year. That's 50 % off your first year at Monarch.com with code T-Boy. For our third and final story, Grubhub just announced at the Super Bowl it's eliminating delivery fees and service fees.

16:46It's the most popular thing out of the delivery industry since ever, but it's also the most perilous. Yes, we heard you, big tech. AI is going to make our lives better. We get the message. How about making our lives more affordable? Well, that's what Grubhub is targeting. Although we should point out Grubhub is kind of the Hufflepuff house of food delivery, right, Jack? Yeah, they're way behind Uber and DoorDash, if that's what you're saying. Can you whip up some numbers for context for us, please? Grubhub has just 8 million users compared to DoorDash's 50 million and Uber Eats's 21 million. I mean, even Cedric Diggory uses Postmates over Grubhub these days, right, Jack?

17:23That's brutal. Grubhub's market share is the size of a snitch. If you know, you know. Still, Grubhub managed to hire George Clooney to make their biggest announcement ever at the Super Bowl on Sunday. And here's the news. No fees on Grubhub for orders are 50 bucks or more. No delivery fee, no service fee, no fee fee if you spend at least 50 bucks on food. That policy, it started yesterday and Grubhub says it is permanent. It is forever. No fees ever again. And Grubhub says this will save you$13 on average in fees. Now, critics didn't think much of this simple ad, but consumers just might. Because fees are, and to quote one more CEO we've interviewed on the show, Nick, hated by consumers with a fiery passion.

18:05That's what Lyft's CEO said. We don't live in a democracy, Eddies. We live, unfortunately, in a feeocracy. But this big news from Grubhub begs the question, how are they going to make money if they don't charge fees? Yeah, I mean, Jack, to continue our Harry Potter analogy, you know, you can't use magic on the financial statements, man. Like, you can't bring out the sorting hat to make the balance seat balance. Well, the CMO must have sipped some truth serum because she did an interview on Monday to discuss the Super Bowl ad, and she said that Grubhub won't make money. They're just eating the fees.

18:37Yeah, with consumers not paying fees, they clarified that restaurants are not being charged either. So how are they going to make money? They'll still take fees on orders under$50. That's it. But other than that, it's going to be Grubhub banking on cross-selling to their other food business lines. Grubhub is actually, Grubhub actually got acquired last year by Wonder. And Wonder owns a basket of innovating food companies. The OG Meal Kit Company. And Spice, the robot kitchen that Sweetgreen uses. And Tastemade, a food media company. So their bet is the same as the bet that Robinhood made 10 years ago when they killed their big fee, stock trading commissions.

19:13Drive new customer signups by eliminating a major fee and make money on the other things. If Robinhood could break the business model of finance and thrive, Can Grubhub break the business model of food? We hope so. I mean, Hagrid's definitely ordering more than 50 bucks worth of food tonight, Jack. So what's the takeaway for our buddies over at Grubhub? Sometimes the most popular plan is also the most perilous one. Now, Yetis, Jack and I sold our first startup to Robinhood back in 2018. And one of the reasons was we loved their democratizing message. It worked. It made sense. Their democratizing message was popular for investors who got to avoid fees, and it was popular to publicly traded companies who got to grow their investor base.

19:54Years later, it worked for Robin Hood. They eliminated the hated commission fee in finance but made a billion dollars in revenue last quarter on other products. Interestingly, Goldman Sachs tried to do the same thing with a product called Marcus, but that failed. And Jack, democratizing didn't work for MoviePass either. 10 bucks a month for unlimited movies, just too good to be true. So this announcement could make Grubhub beloved by consumers and restaurants alike. It's the only delivery app that's not taking fees. But it could make Grubhub hated by investors leading to its financial demise. Democratizing.

20:24It basically means eliminating fees. Popular, but it's a perilous path. Surcharges expelliarmus. Jack, could you all whip up the takeaways for us for T-Boy Tuesday? Nearly a quarter of the Super Bowl commercials either promoted AI or were produced by AI. But when an industry floods the Super Bowl, it's historically a sell signal. Super Bowl, Super Bubble. For our second story, Ferrari's electric car is not an iPhone on wheels. It's a Ferrari that happens to be electric. And it's an early trend signal. This is the beginning of the end of the screen. And our third and final story is Grubhub. They announced the end of fees.

21:02They're democratizing food delivery for all. That's the most popular announcement that they could have made, but also the most perilous. But besties, this pod's not over yet. Here's what else you need to know today. Far as McDonald's just got into caviar. That's right. The new product, McFish Eggs. You know, I'm glad they defined what caviar is in the description of the product. Again, Jack, this is why we can't get into 11 Madison. You keep bringing up these caviar questions. It is a true story. Only available today. And not just any caviar. They actually went top shelf over at McDonald's and got some imported sturgeon online only.

21:34Just in time for Valentine's Day, as their press release says. Part of a trend that we noticed during the pandemic with famous chef Dave Chang, a high-low combo of McNuggets and caviar. Second, Elon Musk greenlit his first ever TV commercial during the Super Bowl. SpaceX ran a 30-second ad promoting their Starlink Wi-Fi service. Another first for Elon, he's downgrading his company's ambitions. Reportedly, Elon told investors that the new goal of SpaceX is not to go to the Mars first, it's to go to the moon first. And finally, whip out your calendars, because next year's Super Bowl, it's going to be awkward.

22:08When is it, Jack? Valentine's Day. That's right. Super Super Bowl 61 in lovely Los Angeles is on February 14th, 2027. So are we doing champagne and a candlelit dinner? Or are we doing chicken wings at Buffalo Wild Wings? I don't know, Jack, but I do know what I'm going to be wearing. The only question is what are we going to call this thing for this Super Bowl Valentine's? Wait a minute. What are you going to be wearing? I don't know if I'm allowed to say it on the pod. The Cupid Bowl? The Heartbreak Bowl? Loving Lombardis? What do you think, Jack? Let's just not call it encroachment in the neutral zone.

22:39Either way, you have 359 days to declare your priorities. Now, time for the best fact yet. This one, an answer to yesterday's T-Boy trivia, which was asked by legendary Yeti, Daniela Place. What U.S. city has the most athletes on Team USA? That's the question that was asked. What city has provided the most athletes to Team USA? Jack does not know the answer, and are you ready for the answer, Jack? Not Minneapolis. That was my guess. That was close. That was close. Well, actually, it wasn't close. The answer, Park City, Utah, home of my bachelor party, where you got 11 athletes on Team USA, most of any city.

23:15Honorable mention, Steamboat Springs, Colorado, which has almost 10 % of the U.S. ski and snowboard roster. If you don't ski in Steamboat, you don't live in Steamboat. Yetis, you're looking fantastic. Jack, you are glowing today. And since we've run out of Harry Potter analogies, I think we technically have to end the show right now. You've run out of Harry Potter analogies. Yetis, you're looking fantastic. If you haven't yet, tap to follow us. There is a plus sign on Spotify. Somebody didn't get outstanding on his OWLs this term. If you know us, you know us.

23:53And before we go, a congratulations and a welcome back and happy 32nd birthday to legendary Yeti, Lily Mintz, back from maternity leave. and congrats to her little baby Zev as well. Happy 35th birthday to Sindhura Trindandapani, who's turning 35 in Texas. And a happy birthday to Sarah Owens down in San Antonio. Happy 24th birthday to Samantha Berber in Detroit, Michigan. And Olivia Bakhtiel, enjoy the birthday celebration down in Philadelphia and thanks for seven years of being a Yeti. And congratulations to Alexis and Joe, who just had an IBO initial baby offering. The baby, Kaios Aguirre Joseph Neumann.

24:31And if you're curious, yes, the parents are metallurgists, so the name means silver and gold in Greek and Latin. This baby already owns the periodic table. Congratulations to Hannah Damish, who just got into the University of Michigan's Ross School of Business. Go Blue. And Judy, congrats on taking your first Waymo ride to Trader Joe's. Glad you were enjoying T-Boy on the way. And a big shout out to the personal protection team at Medline, who all realized they're Yetis at the same time. Emma, Miranda, Caitlin in Chicago. Unbelievable. Yetis around the world. These product managers, they get you masks, they get you hospital gear, they do logistics.

25:05And to anyone else who celebrated something today, make it a T-boy. Celebrate the wins.

25:13This is Jack. I own stock of Amazon and Lyft. Nick and I both own stock of Apple and Robinhood, and we both own some Bitcoin. Bitcoin, name that. With almost half a million customers and over a trillion dollars of secure payments, Bill isn't new to intelligent finance. It's the proven way to simplify bill pay and maximize cash flow. Want to learn more? Visit bill.com slash proven for a special offer.