Blog, YouTube & Content Monetization

For most of modern finance, one number has quietly dictated who gets ahead and who gets left out: the credit score. It was a breakthrough when it arrived in the 1950s, becoming an elegant shortcut for a complex decision. But shortcuts age. And in a world driven by data, digital behavior, and real-time signals, the score is increasingly misaligned with how people actually live and manage money. We’re now at a turning point. A foundational system, long considered untouchable, is finally being reconstructed by using AI—specifically, advanced machine learning models built for risk prediction—to extract more intelligence from existing data. These are rigorously tested, wel…

January filled our inboxes with productivity advice. Set stretch goals! Think bigger! Dream audaciously! What was conspicuously absent from all that exhortation was any practical guidance on how to move from grand vision to daily action without becoming paralyzed by the enormity of what we’ve committed to. And now, it’s February. Here’s a counterintuitive truth I’ve learned from decades of navigating complex creative challenges: The secret to tackling big, hairy, audacious goals (BHAG) isn’t summoning more willpower or grinding harder. It’s learning to approach complexity the way babies learn to eat solid food: one tiny, digestible bite at a time. I call it t…

Airport lounges used to be a perk. In 2026, they are a battleground. American Express is refreshing Centurion Lounges and adding faster Sidecar formats. Chase is experimenting with champagne parlors and hyperlocal chef partnerships in its Sapphire Lounges. Citi is back in the ultra-premium card game. And Capital One, the relative newcomer, is making a different bet. Instead of building another lounge at LaGuardia Airport, it built a restaurant. The new Capital One Landing at Terminal B is a 12,500-square-foot, chef-driven dining space created with José Andrés. It has a 2,250-square-foot working kitchen, the largest in the terminal, and a menu built around Span…

Want to use Discord from next month? You’ll have to hand over a photo of your ID or a scan of your face to verify you’re of age. It’s part of a new process introduced by the chat app aimed at ensuring no one underage is using the platform. All new and existing users, the company says, will be given a “teen-appropriate experience” by default, including content filtering and limited access to spaces that host adult content. To regain the experience they previously had, users will need to prove their age through one of several options, including video selfies or sharing a photo of an identity document. (Discord did not immediately respond to Fast Company’s request for co…

A little known security feature on iPhones is in the spotlight after it stymied efforts by U.S. federal authorities to search devices seized from a reporter. Apple’s Lockdown Mode recently prevented FBI agents from getting into Washington Post reporter Hannah Natanson’s iPhone. Agents seized the phone, as well as two MacBooks and other electronic devices, when they searched Natanson’s home last month as part of an investigation into a Pentagon contractor accused of illegally handling classified information. But the FBI reported that its Computer Analysis Response Team “could not extract” data from the iPhone because it was in Lockdown Mode, according to a court filing. …

Ever feel like your solo business is running you into the ground? Solopreneurs don’t have the luxury of handing off tasks to a team. Everything lands on your plate, and there’s never enough time. AI won’t run your business for you (despite what some of the big AI companies would have you believe). But it can give you back hours every week. Some tools are AI-first, meaning their primary job is to perform an AI-driven task. You can also look at adding AI features inside tools you’re already using. I rely heavily on AI in my solo business. I can get more done in less time, without sacrificing quality in any of my work. Here are a few AI tools that can make a hu…

Comparing social media platforms to casinos and addictive drugs, lawyer Mark Lanier delivered opening statements Monday in a landmark trial in Los Angeles that seeks to hold Instagram owner Meta and Google’s YouTube responsible for harms to children who use their products. Instagram’s parent company Meta and Google’s YouTube face claims that their platforms addict children through deliberate design choices that keep kids glued to their screens. TikTok and Snap, which were originally named in the lawsuit, settled for undisclosed sums. Jurors got their first glimpse into what will be a lengthy trial characterized by dueling narratives from the plaintiffs and the two remai…

Shares in Spotify Technology SA (NYSE: SPOT), the world’s largest music streamer, are surging this morning. As of this writing, the Swedish company’s stock price is up 18% to above $489 per share after the company reported blowout fourth-quarter fiscal 2025 earnings. Here’s what you need to know. Spotify’s Q4 2025 surpasses expectations On Tuesday, Spotify reported its Q4 2025 earnings, which outpaced investor expectations. Here are the music streamer’s most salient metrics for the quarter, which ended on December 31: Monthly Active Users (MAUs): 751 million (up 11% year over year) Premium Subscribers: 290 million (up 10% year over year) Total Reven…

Don’t feel bad splurging on that $7 latte the next time you’re in a mid-afternoon attention slump. A new study published in the Journal of the American Medical Association this week provides some strong evidence that drinking coffee and tea is linked to a lower risk of developing dementia. The longitudinal research followed a group of around 130,000 people for more than 40 years, collecting behavioral and health information over the course of their lifetimes. The results paint a clear picture: People with a habit of drinking two to three cups of coffee or one to two cups of tea on a daily basis demonstrated a lower risk of dementia compared to their less caffeinat…

Target CEO Michael Fiddelke is reshuffling his leadership team and making other changes shortly after stepping into the top job at the retailer that has struggled operationally. Rick Gomez, the 13-year Target veteran who oversees the chain’s vast inventory of merchandise, will leave the company. And Jill Sando, the chief merchandising officer overseeing a handful of categories like apparel and home and who has been with the company since 1997, will retire. Lisa Roath, who oversaw food, essentials, and cosmetics, will take Fiddelke’s previous job as chief operating officer, the company said Tuesday. Cara Sylvester, who had been chief guest experience officer, will …

On a sidewalk, an unassuming junction box sits strapped to a fence. Inside, dozens of keychains, stickers, mini figurines, and other novelties wait to be discovered by eagle-eyed passersby or trinket traders who have traveled across the city to exchange their treasure. Trinket trading has taken off on social media in recent weeks. The trend first originated in Philadelphia, where Philly’s Trinket Trove began documenting the contents of a repurposed junction box on TikTok in September of last year. It has since spread nationwide, with communities from New York to San Francisco setting up their own boxes of assorted knick-knacks for anyone to stop by and tra…

The Super Bowl LX ad blitz was a big budget highwire act—from Anthropic’s shot at OpenAI to Lady Gaga’s homage to Mr. Rogers and Dunkin’s nostalgia-fueled celeb fest. Autodesk CMO Dara Treseder breaks down what worked, what didn’t, and what the ads reveal about where marketing is headed next. Treseder also unpacks the business impact of Bad Bunny’s halftime show, and what it signals for the NFL and Apple. This is an abridged transcript of an interview from Rapid Response, hosted by former Fast Company editor-in-chief Robert Safian. From the team behind the Masters of Scale podcast, Rapid Response features candid conversations with today’s top business leaders navigati…

Below, Maya Shankar shares five key insights from her new book, The Other Side of Change: Who We Become When Life Makes Other Plans. Shankar is a cognitive scientist and host of the podcast A Slight Change of Plans. She served as a senior policy adviser in the Obama White House, where she founded and chaired the Social and Behavioral Sciences Team. She was also appointed as the first behavioral science advisor to the United Nations. What’s the big idea? What if the life upheavals that shake you most could also be your greatest opportunities? Change can feel like loss, but it can also be the start of a stronger, reimagined self. Listen to the audio version o…

In the first week of February 2026, a social network called Moltbook became the biggest story in AI. Billed as “social media for AI agents,” the Reddit-like platform allowed autonomous AI bots to post, comment, and interact with one another while human users observed. Within days, more than 1.5 million agents had reportedly registered. They debated the nature of consciousness. They discussed whether they persisted when their context window was reset. Some proposed founding a religion for AI agents. Others outlined plans for world domination. While some commentators pointed out that much of this was just chatbots role-playing at the behest of their human owners, other…

If you live in Seattle and work at Amazon or Meta in nearby Bellevue, you probably drive to work. But by the end of next month there will be another option for commuters: the world’s first light rail line running on a floating bridge. Right now, drivers cross Lake Washington—the long lake between Seattle and eastern suburbs like Bellevue—use one of three floating bridges. Conventional bridges aren’t feasible because of the depth and width of the lake, which is why the bridges were originally built with pontoons instead. Adding a rail line to one of them meant that designers needed to innovate in multiple ways. First, since the bridge doesn’t have columns like …

Jimmy Donaldson might have made his fortune on YouTube, but the man better known as MrBeast has plans for a much wider financial empire—and he’s well on his way to achieving it. Through Beast Industries, the $5 billion holding company for his growing corporate ecosystem, Donaldson is assembling a wide range of businesses that extend far beyond the influencer space. The latest expansion came on February 9, with the purchase of the teen-focused banking app Step. Banking isn’t the end game, either. Beyond his current holdings, Donaldson has broader ambitions that could further diversify his income streams. Here’s a look at the businesses currently under the Beast Ind…

Nili Lotan’s Tribeca flagship has been a fixture in the neighborhood for 20 years. It’s an austere space that brings her aesthetic universe to life, one that blends silk slip dresses with military-inspired jackets, and crisp button-down shirts with utilitarian pants. But now, across the street, there’s a second store devoted to just one thing: denim. No knits. No tailoring. Just jeans. Denim has always been at the heart of Lotan’s collections, but Lotan has found that the careful design of the jeans—and care that went into making them—gets lost when they are folded into seasonal collections. Now, the denim store and flagship operate as a single ecosystem. Sales …

If you’re feeling anxious about the economy, you’re not alone. Consumer confidence is at its lowest in more than a decade. Americans are worried about inflation, a possible recession, and job security—and that anxiety is reshaping how they spend. Even high earners are pulling back. Households are cutting big-ticket indulgences like vacations, fine dining, and designer fashion and redirecting spending toward essentials like groceries and personal care. Even then, they’re choosing retailers that feel like smart value plays. Higher-income shoppers have increasingly frequented discount chains like Walmart and Costco—both of which have seen record-breaking quarters. Ul…