Happy Saturday Besties,

Predictions are a Wall Street fave—investors love them. Every year, analysts forecast where the S&P 500 is headed. But how accurate are those predictions? Eh. Over the past 20 years, the median forecast was off by 14 percentage points. 😬 

• In 2022, stocks were predicted to rise 4%… but they fell 19%.

• In 2023, a 6% gain was forecast… but stocks rose 24%.

• In 2024, a 3% gain was forecast… but markets soared another 23% instead.

But our 3 Predictions for 2025 aren’t just forecasts, they’re wishes (so Bob Iger better see #1 to make it happen) 🧞‍♂️ 🧞

FYI: Scroll to the bottom for some of our “honorable mention” biz wishes that didn’t make the pod.

Business Wish #1:

Apple launches the iTush Smart Toilet 🚽 🧠 

Apple has spent years chasing the “next big thing”—from the Apple Car to the Vision Pro. While those have struggled, Apple’s quietly winning in health: iPhones detect falls, AirPods act as hearing aids, and the Apple Watch tracks everything from sleep to fertility.

So, what’s next? The iTush. A smart toilet that analyzes your waste for health insights—blood sugar, heart health, early cancer detection, and more.

Here’s why it makes sense:

• Design: The sleek porcelain fits Apple’s existing aesthetic.

• Engagement: The average person uses a toilet 6–10 times daily—that’s unmatched engagement that every tech biz wants.

• Functionality: An iPad bidet controller—keep your phone out of the bathroom, but still connect to your Apple ecosystem.

• Tech: Just like your face and fingers, your butt is biologically unique—So Apple’s Face ID tech in a toilet could recognize each user (based on their bottom).

The Takeaway: Apple should launch the iToilet to go where no competitor has gone…

…the bathroom—the last tech-free zone in the house. Beyond being a first mover in a tech-free space, the iTush could tap into a treasure trove of valuable health data—your waste.

The best markets are those with no competition. In 2025, Apple could claim the throne. Literally.

If you’d drop $2K on a computer, why not drop $4K on a toilet that could extend your life? So would you buy one? Send this email to a buddy who would.

Business Wish #2: 

Disney Air: The Walt Disney Company Acquires Spirit Airlines 🐭 🛩️ 

Two-thirds of Disney’s profits in the last 2 years? Hospitality: Disney parks & Disney Cruises. By acquiring Florida-based Spirit Airlines out of bankruptcy, Mickey could offer a complete family hospitality package… starting with Disney Air.

Imagine this:

• Airport hubs wherever Disney has theme parks.

• Disney-themed airport gates that bring the magic to travel, starting 2 hours before takeoff.

• Fam-friendly onboard experiences—like the whole plane watching The Jungle Book together. Or flight attendants working in-character. Pirates of the Caribbean-themed safety instructions and a Ratatouille meal at 30K feet.

The Takeaway: Wall Street doesn’t love airlines—but it loves credit cards.

Airlines are risky investments, but credit cards are the industry’s Profit Puppies. Delta made $7B from its Amex partnership in 2023.

For Disney Air, the real win could be the “Magic Card”—a credit travel card that drives loyalty and revenue (call ‘em “Pixie Dust Points”), making Disney Air one of the most profitable airlines in the market.

So would you fly Disney Air? Send this to your buddy at Disney.

Business Wish #3:

The Home Depot starts selling Homes 🏠️ 📪️ 

Over 100 years ago, Sears sold “kit homes” with everything you needed to build a house. Affordable, efficient, and assemblable in 90 days with a carpenter. Fast forward to today—Home Depot should bring back this mail-order home idea to help fix America’s housing crisis.

Here’s how it could go down:

• Home Depot displays a model home at each store, allowing us to tour what could be our future home.

• JPMorgan Chase handles mortgage financing.

• Walmart supplies furnishings and essentials.

If every Home Depot store in America sold 1,000 homes, that’s 2 million new homes—enough to make a real dent in our housing deficit.

The Takeaway: It takes a village… to build a village. And the villagers are future customers.

The US housing crisis is an opportunity. And a partnership between 3 corporate giants could create a seamless home-buying experience—and a new generation of lifelong customers. Mortgage payments through Chase could even earn points redeemable at Walmart and Home Depot. Triple-whammy win. And the government would definitely be on board with this private-sector-driven fix to our housing shortage (we smell some tax breaks).

If Sears could sell homes through the mail a century ago, imagine what these companies could achieve today.

Home Depot… homes. Are you in? Send this to your buddy who loves big ideas.

Our Honorable Mentions Wish List:

• 🛍️ Amazon acquires Pinterest. Knowing people’s tastes and design intentions is powerful in a world of predictions and future-casting.

• 🪐 Space Sponsorships: Marketing products as “the Official ____ of Space” — that’s a revenue driver for NASA.

• 💳 JP Morgan Chase abolishes the overdraft fee. BOOM. Differentiator. It’s time to end the most hated thing in banking (which only makes up 0.3% of the bank’s annual revenue).

And if you’re digging our 3 Big 2025 Predictions, forward this email to a friend — That’s how we grow our audience.

New Year Trickshots:

Goal Setting?

• Nick’s aiming for 20 piano lessons.

• Jack’s is to post something on social every day.

• Get an on-air interview about our new weekly show The Best Idea Yet on The Today Show.

New Year’s Resolution?

• Jack’s is to end bad moods quickly. Don’t let something tiny ruin your day.

• Nick’s is to eat less candy-flavored almond butters.

• Post daily Behind-The-Scenes of our TBOY recordings on Insta.

Something new we’re trying?

• Jack is searching for better scrolling. Planning to replace Instagram/X with Linkedin/Bluesky.

• Nick’s 1st colonoscopy (a story for another pod).

• Our 1st Live Show in the city of ____.

  How about yours?

The Best Idea Yet

Get caught up: We dropped 3 new episodes of The Best Idea Yet since pre-vacay…

• 🐂 The Oregon Trail (Get this: It was Steve Jobs’ biggest deal pre-iPhone).

• ⌚️ Swatch (Find out what the “S” stands for in this episode)

• 🧱 LEGO (The wild family that made Lego the biggest toy biz on earth)

Listen to the untold origin stories of the products you’re obsessed with… New 45-minute episodes drop every Tuesday… it’s simply The Best Idea Yet.

And one more thing. This is Nick, and I’m taking over this final line in the newsletter for a sec: I just have to say what a blast I had with Jack in 2024 together with this show. Celebrate the freakin’ wins, man.

— Nick & Jack