• An estate plan should include financial, medical, and legal documents, according to estate planning attorney Kerri Koen.
• Be realistic about family dynamics, and don't forget your digital assets, she says.
• This article is part of "The Great Transfer," a series that highlights the mechanics of wealth transfer and the human priorities behind them.

If you've ever thought that you're too young or too broke to worry about estate planning, Kerri Koen would like you to think again.

"It's really important that we're all proactive and have these documents in place before we need them," says Koen, partner at Modern Legacy Law Group. "You're the only person who can make these decisions on your own behalf."

Although it may be unpleasant to think about death or incapacitation, doing so can help you make decisions that align with your values and help your loved ones avoid an arduous court process after your death, Koen says.

As an estate planning attorney, Koen helps clients — mostly in their 30s, 40s, and 50s — create estate plans to bring peace of mind and security after a tragedy. Here's how you can do the same.

Know that even simple estates aren't simple

Leaving your assets in a meaningful way isn't just for the rich. In fact, "I would argue it's actually more beneficial to those who aren't multimillionaires," Koen says.

She often sees people come in saying they just have a simple estate — a home, a retirement account, and some cash, for example.

"They're saying it's very simple, but the problem is that the laws that apply aren't always simple," she says. Proper planning can help you avoid costly court processes and minimize how your estate is taxed, she adds.

Recognize that an estate plan involves more than just a will

A will is the "driving document" of an estate plan, Koen says. This legal document, which can be five pages or 100, depending on the complexity, outlines how your assets will be divided in the event of your death. It also covers important legal decisions, like who should take custody of your kids or pets.

However, it's not the only important paperwork.

Your estate plan should also include a power of attorney (a legal document that designates who can make legal and financial decisions on your behalf if you're unable to) and advanced care directives to express your medical wishes.

These documents vary by state, and work together to address issues like who can access your medical records and whether you want to be kept on life support.

Consider a trust, even if you're not rich

A trust is a legal structure in which one person transfers assets to another person or entity, for the benefit of a third party. That sounds complicated, and it can be, but many people can benefit from a trust, even if they're not wealthy, Koen says.

"If we want to avoid probate processes, or protect assets from Medicaid and creditors, that's where we see trust planning come into place," she says.

Trusts can be particularly important if you have minor children, since they allow the people raising your children to access assets without owning them. That can help when life gets messy: say, your sister takes custody of your children upon your death, so you leave her all your assets. However, if she gets sued, any assets she owns — even if they were intended for your kids — can be taken.

Trusts avoid this by giving guardians "the access, without giving them the actual assets," Koen says.

Think about disability, not just death

Effective estate planning accounts for not just death, but disability as well, Koen says. Plan for not only what would happen if you become disabled (by appointing a power of attorney), but also for if an heir becomes disabled.

In that case, leaving them assets directly could compromise their access to government-funded services. Whereas setting up a trust can give them access to funds to supplement their care without disqualifying them from services like Medicaid, Koen says.

Be specific

Clients often say things like "I'd want my spouse to take care of my sister if I died." That's a nice sentiment, but it can mean different things to different people.

"Put a number to that," Koen says. Doing this can take some reflection, she adds. First, think about what "take care of" means to you; then, work with your attorney to reach a specific amount of funds you'd like allocated for the given purpose. Your attorney can also help you make sure you have the assets within your estate to support that gift or inheritance.

Another way to be specific: name backups for key roles, like your power of attorney or guardian of your children. That way if your first choice isn't able to step up, you still have someone you trust, Koen says.

Be realistic about family dynamics

Koen once worked with a family where the two adult children were named to administer a trust together. Come to find out, the siblings weren't speaking.

"We have this wishful thinking," that family feuds will resolve, Koen says, but that isn't always the case.

Instead of hoping for the unrealistic, create a plan that you're certain will work with current family dynamics and minimize conflict—like leaving separate gifts to siblings who have a tense relationship.

Don't forget your digital assets

Too often, digital assets fall through the cracks of estate planning, Koen says. This can include financial assets, like cryptocurrency, as well as personal legacies, including social media, digital photos, and even access to your phone.

While digital inheritance isn't well-regulated, there's been a lot of progress over the past five years, Koen says.

For example, Apple, Google, and Meta all allow users to appoint a legacy contact who can access your accounts if you die. There are also less formal decisions to consider, like whether to leave your social media active if you die or become disabled. This is especially important if you generate income from these accounts.

Get it done

It's tempting to put off making decisions about estate planning, but Koen says almost all her clients are happy once it's done.

Although you should review your estate plan every three to five years (and after major life events like a birth or divorce), there's relief in having a will and other important documents in place.

"The number one thing I hear is [that clients] thought this was going to be scary," Koen says, "but they're actually leaving the office with tremendous peace of mind."

• Michael Burry replayed his GameStop bet in a Substack post on Monday.
• The "Big Short" investor wrote that a "crappy business" became the "belle of the ball" in 2021.
• Burry sold before the meme-stock boom as he was "blinded" by the risks and had seen little payoff.

When it comes to regrets, Michael Burry has a few.

The investor of "The Big Short" fame, who bet on GameStop years before it became a meme, explained why he sold the stock before it skyrocketed in a Substack post on Monday night.

Burry got in early

Burry, who recently pivoted from hedge fund manager to online writer, first invested in GameStop in the summer of 2018. The video-game retailer's stock looked undervalued to him, and he saw an array of catalysts that could send it higher, he wrote.

They included a console refresh in 2020, the possibility of a buyout, the potential sale of the Spring Mobile business, and strong cash flows and a large cash pile offering scope for a "very big and consequential buyback," Burry wrote.

He exited the position in the second quarter of 2019 after the stock failed to budge. But he reinvested in July 2019, buying the stock "with both hands" and making it one of his larger holdings, in part because high short interest presented a fresh catalyst, he wrote.

"I visited a GameStop store to make sure I was not crazy," Burry wrote. "It did not work. Even the stuff that was not on sale looked like it should be on sale."

Burry wrote to GameStop's board to push for changes at the company. He shared that his public activism drew emails from Keith "Roaring Kitty" Gill, a retail investor who would become the face of the GameStop meme mania, and Chewy cofounder Ryan Cohen, who would go on to become GameStop's CEO.

Selling before the surge

Burry said he bought into GameStop the second time at a split-adjusted average price of 83 cents, or less than 1/26 of the current $22 stock price.

He purchased an almost 5% stake and held it for more than 16 months. "Most of that time, I lent my shares out at very good rates — high double digits — which was lucrative and a big part of the trade," he wrote.

Burry cashed out by the end of November 2020, selling his shares for an average of $3.38 each, or more than four times what he paid.

Weeks later, retail investors on forums such as r/WallStreetBets executed a historic squeeze on GameStop short sellers, sending the stock to an intraday high of over $120 on January 28, 2021.

"At the peak my yearslong investment might have turned $12 million into $1 billion, but that was never a possibility," Burry wrote, noting that he would have sold long before that point.

Burry — best known for predicting and profiting from the housing crash that preceded the 2008 financial crisis, a story told in the book and movie "The Big Short" — reflected on whether he should have played his hand differently.

"I could have analyzed that situation better," he said. "I knew GameStop inside and out, and I thought I understood the volume, short interest, and other dynamics. However, I was blinded by what I saw as execution risk."

He'd also lost faith in a huge stock rebound. "As well, I am human," he wrote, adding that large-scale buybacks, board changes, and the sale of Spring Mobile had been "home run/slam dunk activist successes with concrete results but zero impact on price or short interest."

Burry seized the chance to close out his bet after GameStop shares spiked following Cohen's disclosure of his stake.

"I had no idea what was coming," he wrote. "I had no idea that a Roaring Kitty existed."

"And I had no idea that a widely distributed gamma squeeze would thread the needle to become the one and only legal market corner," he added.

Around 50 days after he exited, that "ignominious crappy business" had become the "belle of the ball," Burry wrote. "The entire world could not take their eyes off her. And neither could I."

Looking back and ahead

Burry said he had mixed feelings about the meme-stock mania of early 2021: "It was spectacular. It was hilarious. It was tragic in turn."

But he decided it was "less fun" by the middle of 2021, when non-fungible tokens (NFTs) were soaring in value along with "watches, shoes, just about everything."

Burry said he feared retail investors would be "shredded on this meme thing," and warned them to watch out. He spoke out because "if there is one thing I wish I could have done, it was to have effectively warned or spoken about what was happening in 2005-2007," he wrote.

The deep-value investor, who moonlighted as an investment blogger in medical school, also teased an upcoming post that will be a "breakdown of GameStop as an investment today."

"As a melting ice cube and a capital structure with some optionality, GameStop is roughly as I approached it in 2018, except it is only 16% shorted, all the numbers are 10 times bigger and Ryan is running it, for better or worse," he wrote.

• My husband and I left New York and spent two years living in an RV, going from place to place.
• Eventually, our travels took us back to Texas — specifically, the island city of Galveston.
• The laid-back vibe was exactly what I needed, and now, it's our perfect home base.

In 2023, I lost my soul dog, Chubbs. He had been with me for 14 years through every apartment, every move, and even a cross-country relocation from Texas to New York.

When he passed, it felt like someone had pulled the anchor from my life. I didn't just lose my dog; I lost my sense of safety and the steady presence that had guided every chapter of my adult life. The grief felt overwhelming.

In the quiet that followed, my husband and I started asking hard questions about what "home" really meant. We'd both spent years chasing careers, paying rent in cities that never felt permanent.

So, we did something radical: We sold almost everything we owned, from our furniture to our books, and bought an RV.

We had no intention of settling down anywhere; life on the road was our near and distant future plan.

Being on the road had challenges, but we enjoyed living day to day

Those first months on the road were a crash course in patience and perspective.

Every day, we woke up to the hum of nature and winding highways. We worked remotely wherever we parked, building a life that could fit inside a 32-foot space.

We spent a few peaceful months in North Carolina, surrounded by trees and cool air, and almost stayed. In Pennsylvania and Kentucky, we discovered unexpected beauty in small towns and winding back roads.

Arizona and New Mexico, though, were a little tougher — we found them a bit too dry and stark, and longed for the ocean and more greenery. Each place taught us its own lesson about what felt like home and what didn't.

Life on the road wasn't always easy, but it gave me the quiet I needed to heal after losing Chubbs.

The more miles we drove, though, the clearer it became that I didn't just want to keep moving. I wanted to build a life that felt full again, something steady and rooted that my dog would have loved, too.

After two years, we wound up in Galveston

Eventually, the road led us to Galveston, a Texas Gulf Coast island that had always held a piece of my heart.

Growing up in Texas, my family had vacationed here often, and I was instantly hit with nostalgia and happy memories. I felt right at home with the salty air, laid-back island vibe, and Historic Strand District, a commercial area with many of Galveston's oldest buildings.

At first, it was just another stop; we thought we'd stay for a few weeks. However, we were wrong.

The island's mix of old-world charm and creative energy is unlike anywhere else in Texas. There's art on every corner, history in every building, and a deep sense of community that instantly made us feel like family.

After years of constant motion, we finally felt rooted.

In my new home, I found community and creativity again

Settling in Galveston reignited something I hadn't realized I had lost: creative connection.

I began writing again and eventually joined a local publication focused on the arts, where I help tell the stories of the island's artists, musicians, and makers.

Now, my work feels personal and purposeful, even though it looks less like the corporate life I led in the past.

I've met so many people who also came to Galveston after a big life change or loss, and found peace in the island's slower rhythm.

This city has a way of bringing people together, whether through a shared love of art, a late open-mic jam, or a quick chat over coffee at one of the local hot spots.

In my experience, the people in Galveston are warm and welcoming. Whenever I go to a grocery store or even for a walk on the Seawall, I find myself in conversation with a few BOIs (Born on the Island) or IBCs (Islander By Choice), all curious about my travels.

Galveston brought me a sense of peace

When Chubbs died, I lost my sense of home. For two years, every place we parked the RV felt temporary, a stopover rather than a destination.

I kept hoping that somewhere along the way, the road itself would heal me, but I learned that grief doesn't disappear when you keep moving. It follows you until you stop for long enough to face it.

Galveston was the first place that made me want to stay.

The rhythm of the waves reminded me of those quiet RV mornings when the world felt still, but here, there was something more: people, community, connection. The same serenity I'd found on the road existed here, just grounded by roots instead of wheels.

After years of living everywhere and nowhere, planting roots feels both strange and sacred. Some mornings I still expect to pack up and go, but then I'll catch the smell of salt in the air or head to my favorite coffee spot, and I remember why we stayed.

The island may not be where I thought I'd end up, but in Galveston, I found what I'd actually been chasing all along: a place that feels like home.

• Google's custom AI chip business is ramping up.
• Demand for its chips, known as TPUs, is growing. That poses a threat to Nvidia's dominance.
• Here's what TPUs are, what they can do, and how they fare against Nvidia's GPUs.

Google has been in the AI chip game for more than a decade. Now its custom hardware is moving markets.

Shares of Nvidia and other chipmakers tumbled last month following a report that Meta — one of Nvidia's largest customers — was exploring a deal to use Google's AI chips, known as Tensor Processing Units, or TPUs.

Google has primarily used its TPUs for internal use, but it also leases them to external customers through the cloud. Nvidia, meanwhile, has become the dominant provider of AI chips with its graphics processing units, or GPUs.

Google has a potential blockbuster business to unlock. In a research note sent December 2, Morgan Stanley projected that 5 million of Google's TPUs will be purchased in 2027 and about 7 million in 2028, significantly increasing its prior projections.

Here's a breakdown of everything you need to know about TPUs, what they're used for, and when they might become a more prominent threat to Nvidia's chip dominance.

What are TPUs?

Over a decade ago, Google needed more powerful and specialized compute power for the type of AI work it wanted to do. A team led by the now-CEO of Groq, Jonathan Ross, designed a new chip based on a specific type of integrated circuit for machine learning. The TPU was born.

Google has continued to improve and refine its TPUs over the years, making them more effective at both training models and inference, the process where a trained model answers a question or performs a task. As large language models have grown in size, Google has also increased the memory bandwidth of later TPUs to handle these bigger workloads.

Google says its latest "Ironwood" TPU, which the company is making widely available, is more than four times better than its predecessor for both training and inference.

How are TPUs different from Nvidia's GPUs?

Nvidia's GPU cards, which launched in 1999, were originally designed for gaming, not AI. When researchers later discovered that the chips were useful for tasks such as training neural networks, Nvidia doubled down on the AI market.

Google's TPUs, on the other hand, were designed for AI from the get-go. Being more specialized means they're more efficient than Nvidia's chips at some tasks, and faster for running select AI models. They have something called a systolic array, which lets a more constant stream of data pass through the chip, rather than having to keep fetching more from memory.

Where Google's TPUs have a big edge is in cost at scale. It's possible to have thousands of TPUs working in tandem in a single "pod." Because they are faster at some calculations than GPUs, running many TPUs at once can sometimes be more cost-efficient.

That may become more important as companies increase investments at the inference stage, which Google says its latest TPU is especially good at. That could save companies money.

What's stopping customers from swapping GPUs for TPUs?

One advantage that Nvidia has over Google is its CUDA software, which makes it possible for regular applications to use GPUs for general computing tasks — not just for graphics. CUDA also only works with Nvidia chips, one of the biggest points of friction stopping companies from switching to Google's chips.

Google is trying to change that. For example, there is a lot of industry demand to have TPUs better support Pytorch, a popular tool for building AI applications that was created inside Meta. Google is allocating more resources and attention to better supporting Pytorch, which data suggests is seeing much more demand than Google's own Tensorflow software, according to Google employees and industry experts.

Who uses TPUs?

When it comes to TPUs, Google remains its own biggest customer. It uses the chips across the company to power products like Search and Maps. Its latest Gemini 3 model was trained on TPUs.

While Google has prioritized its own needs, it has leased its TPUs to other customers. Apple used TPUs to train its in-house AI model, Business Insider previously reported. In October, Anthropic announced a blockbuster deal with Google that it says will see it using up to 1 million TPUs. Broadcom, which helps build the TPU chips for Google, revealed in its Q4 earnings call this week that it has received a total of $21 billion in orders from Anthropic for Google's Ironwood TPUs.

Meta is also in early testing of Google's TPUs, according to a person familiar with the matter, although it's not clear if it will result in a long-term deal.

What could this mean for Google — and Nvidia?

Google's TPU business could be poised to explode in the coming years. In a research note this month, Morgan Stanley wrote that every 500,000 TPU chips sold could potentially add around $13 billion in revenue to Google's balance sheet in 2027.

Having TPUs isn't just a potential revenue boost for Google. It also gets a feedback loop in using TPUs to run and train its AI models, learning from them, and changing how it develops its next chips to be better at the things Google needs.

Nvidia's GPU is still very much the chip du jour, but other tech giants are increasingly pouring resources into their own custom chips. Amazon just announced its new Trainium3 custom AI chip, which the company says can cut the cost of training and powering AI models in half compared with a GPU.

Many TPU buyers are also Nvidia customers, and some industry insiders told Business Insider that it's more likely that the rise of more specialized chips will see companies and labs diversify the chips they use, rather than going all in on one provider.

That could still hurt Nvidia, which could lose pricing power as a result of a more diverse market.

However, even if Google's TPU business finds more momentum, it doesn't mean Nvidia will suddenly crumble overnight. Jordan Nanos, member of technical staff of research firm SemiAnalysis, said his firm believes companies, including Nvidia, Google, and Amazon, will all "sell lots" of chips in the future.

"We don't see TPU as a significant threat to Nvidia's business, but it has been a real player in the market for many years," said Nanos. "It is possible that Google sells TPU servers externally in the future, to many more customers. Right now, they are very selective."

Have something to share? Contact this reporter via email at hlangley@businessinsider.com or Signal at hughlangley.01. Use a personal email address and a non-work device; here's our guide to sharing information securely.

• We upgraded to Delta One after realizing the premium seats weren't much wider than ones in economy.
• A nervous flyer, I was surprised how much I enjoyed the 10½-hour flight. I even fell asleep.
• All the perks before, during, and after the flight made the experience well worth the expense.

My husband and I are frequent travelers, but we still struggle to feel comfortable on long flights — I'm a nervous flyer, and my husband is tall.

So, when planning our first European adventure together last year, we decided to splurge on our 10½-hour flight from Los Angeles to London.

At first, we spent about $4,300 on two Delta Premium Select tickets. Then, my husband realized that the premium seats weren't much wider than those in economy — 18½ inches vs. 18 inches.

So, we upgraded to Delta One, the airline's international business class, paying about $7,000 total for our two round-trip flights.

Though we could've spent that extra money on meals or other experiences at our destination, our upgraded flight was worth every penny for the comfort it gave us during our journey.

Here are a few highlights of our transatlantic experience.

We felt the vacation vibes as soon as we arrived at the airport.

Our Delta One tickets got us access to the expansive Delta Sky Club at LAX.

Along with two large buffet areas and a bar, the space had many comfortable seating zones and private bathrooms with showers.

It was fun having so many complimentary food options — including vegan ones — but we tried not to overdo it as we had already pre-selected meals for our flight.

When it was time to board the plane, we walked over to our gate and were among the first passengers welcomed.

My seat felt like my own personal cocoon.

As we settled into our seats, the friendly flight attendants offered us drinks and snacks right away.

Since the plane had a staggered layout and my husband and I both wanted window seats, my "suite" was one row behind his.

That meant we couldn't hold hands, as we usually do, during takeoff. But rather than feeling nervous, I felt safely cocooned in my personal space.

The suite had a door to slide shut for privacy and side buttons for adjusting the seat's angle and lighting.

I also appreciated the amenity kit.

The blanket and pillow were cozy, and the travel kit had some useful amenities, like slippers, lip balm, hand cream, and an eye mask.

I was hoping for a pair of pajamas, but those weren't offered on our 8 p.m. flight.

The ability to fully recline was a game changer for my physical and mental comfort.

Once we leveled off, I was able to fully recline in the Delta One lie-flat seats. It was such a relief.

More than anything, the ability to lie down flat made the biggest difference in how much I enjoyed the long flight.

I was even able to fall asleep off and on — something I'm never able to do on a plane

The extra legroom made the long-haul flight more doable for my husband.

Unlike me, my husband doesn't mind flying — he just doesn't like the lack of space on most plane seats. At over 6 feet tall with a burly build and size-14 shoes, he's always hoping for more legroom.

Fortunately, the Delta One suite delivered with its roomy seat and foot cubby.

My husband was so comfortable that he didn't even bother taking off his shoes or fully reclining during the entire flight.

Our meals and snacks took things to new heights.

Our overnight flight included a three-course dinner and next-day breakfast, plus plenty of snacks and drinks.

We had ordered vegan options and were pleasantly surprised at how tasty the food was, from grain bowls to salads to plates with hummus and veggies.

The retractable table I ate on felt roomy and sturdy, and eating with real silverware, porcelain dishes, and cloth napkins elevated the experience.

The in-flight entertainment was an excellent distraction.

Watching TV on the nicely sized screen in front of me helped me forget I was in a flying metal tube thousands of feet above the ground.

Though Delta offered plenty of new movies and shows for me to stream, I ended up turning to old favorites like "Curb Your Enthusiasm" and listening to soothing music.

Meanwhile, my husband was rocking out to a famous Bruce Springsteen concert from 1979.

All the comfort and rest resulted in us feeling virtually no jet lag when we landed in the UK.

All in all, our pricey flight was so enjoyable that I almost wished it lasted longer.

When we landed at Heathrow Airport the following afternoon, we didn't even have jet lag. We just felt ready to take on the day.

Splurging isn't always possible, but we're keeping our options open for future flights. As they say, it's not about the destination, it's about the journey.

• The US added 64,000 jobs in November, beating the expected 50,000.
• Unemployment rose from September, the last available rate, a little bit more than expected.
• The BLS delayed the report to allow more time for collection and processing.

The US added 64,000 jobs in November, exceeding the expected 50,000, and unemployment ticked up from September, the last available rate, to 4.6%.

Economists expected the unemployment rate to be 4.5%, just above September's 4.4%. The Bureau of Labor Statistics won't be publishing an October unemployment rate because the agency wasn't able to survey households during the government shutdown that lasted from October to roughly mid-November. It was still able to produce October job growth because the data comes from a separate survey of businesses and government agencies, so BLS was able to collect this information later.

The BLS delayed the November report from December 5 to December 16 to help with data collection and processing. The September report was published about a week after the shutdown ended. Due to data challenges, there could be more statistical noise than usual in the unemployment rate and related figures.

The Federal Reserve made its last rate decision of the year last week, without the November jobs report or the consumer price index report, which has also been delayed. Using other available data to gauge the economy and its dual mandate, the Fed made a third consecutive interest-rate cut.

"This further normalization of our policy stance should help stabilize the labor market while allowing inflation to resume its downward trend toward 2% once the effects of tariffs have passed through," said Federal Reserve chair Jerome Powell at last week's press conference.

The Fed will make its next rate decision toward the end of January. CME FedWatch, which indicates probabilities of what the Fed will decide, showed a roughly 75% chance of keeping rates steady and a 25% chance of a fourth consecutive cut.

This is a developing story. Please check back for updates.

• Ford's EV strategy shift just cost it $19.5 billion. Now, it's hoping to cash in on the AI boom.
• The company is converting an EV battery factory in Kentucky to build energy storage systems for AI data centers.
• The move will see Ford challenge Tesla, which has its own thriving energy storage business.

EVs aren't really working out for Ford, so now it's chasing the AI boom instead.

The Detroit auto giant said on Monday it would pull back from electric vehicles in a move that would cost the company $19.5 billion.

In addition to scrapping planned electric models and building more hybrids, Ford said it would repurpose its EV battery factory in Kentucky to build batteries to power data centers and energy infrastructure.

The Mustang maker added that it would invest $2 billion to scale the new energy storage business, which it said would "leverage currently underutilized electric vehicle battery capacity." Ford plans to deploy at least 20 gigawatt-hours of energy storage systems by the end of 2027, which is roughly equivalent to the power used by 2,000 US homes for a year.

It comes as the race to build ever more powerful AI models fuels a data center boom across the US, putting pressure on the electricity grid.

Federal estimates suggest data center power demand is expected to as much as triple over the next three years, as tech giants like Meta, Microsoft, and OpenAI pour tens of billions of dollars into AI infrastructure.

EVs, meanwhile, are heading in the other direction. Demand has cratered in recent months after buyers rushed to purchase electric vehicles before the end of the $7,500 federal tax credit in September, and automakers are rolling back investments and betting on hybrids as they gear up for an EV winter.

Ford said the factory at Glendale, Kentucky, which the US automaker built as part of a joint venture with Korean battery company SK On, will produce commercial batteries for the data center industry. Another battery plant in Michigan will produce smaller units for residential use, Ford added.

The Tesla battery play

Ford is following in the footsteps of rival Tesla, which operates a thriving energy storage business. Elon Musk's automaker raked in over $10 billion last year from selling batteries to support the grid and power people's homes.

Tesla's Megapack commercial batteries have been used by Musk's startup xAI at its massive "Colossus" supercomputer in Memphis, Tennessee. In May, the AI startup reportedly deployed 168 Megapacks to help stabilize the electricity supply at the site, which is one of the largest data centers in the world.

Ford's bet on energy storage comes as the company overhauls its wider EV strategy.

The Blue Oval announced on Monday it would cancel plans to build some large electric vehicles, and turn its F-150 Lightning electric pickup into an "extended range" EV with an additional gas generator.

Ford CEO Jim Farley told Bloomberg on Monday that the move was the result of the EV market in the US shrinking and "the customer changing their decision."

"The EV market in the US went from 12% of the industry to only five, and that really, in the end, was the big decider for us," he said.

• Alexandra Mysoor offered to tackle the to-do list after her best friend's mother died.
• She thought she was being helpful, but ultimately it took her 900 hours to complete the tasks.
• Mysoor created Alix, an estate settlement company, to help others navigate this time in their lives.

This as-told-to essay is based on a conversation with estate settlement company founder Alexandra Mysoor. It has been edited for length and clarity.

I was primarily raised in Minnesota, and on the first day we moved there, our next-door neighbor Carol arrived with a pie, like out of a movie. Her daughter Katie is still my best friend to this day.

Carol died a few years ago (her husband had passed before her), and I was at Katie's house for the funeral. There was a to-do list fixed to the freezer door. I told Katie, whatever is on the list, I've got you.

I did not know how generous I was being, because that list was full of estate settlement tasks. I truly thought it would be easy. However, it took me 18 months and 900 hours to complete, which is an average amount of time for a simple estate.

Having a trust or a will is only one part of the puzzle

Most people don't have wills. And it's not based on socioeconomic status; people just forget to do it. Even if you have a well-formed trust, many people don't update it. A trust or a will is like a map. However, you still have to fill up on gas, get in the car, and prepare everything. It's a long journey.

Estate planning is important, but no matter how much planning you have in place, someone will have to take the journey.

Estate settlement is as important as estate planning

Most people don't even know the phrase "estate settlement." People's minds go directly to planning. Many people are unaware that we're authoring the first Wikipedia entry about it. Most people don't know how time-consuming a settlement is or how expensive. It takes an average family $30,000 to settle an estate.

I think that's surprising because everyone talks about the great wealth transfer that is expected to happen in the next decade and a half. It's $100 trillion. It sounds like a great windfall, and it is. However, many people are aware of the net worth of celebrities like Hailey Bieber or Elon Musk, but not their own parents. The first step is discovering what was in this loved one's estate.

Settling an estate is a lot of work

Everything in estate settlement is a point solution. You call a lawyer. Then a CPA. No one makes the whole thing easier. I was surprised by that. So, I created a solution. My company, Alix, helps people settle loved ones' estates during such a vulnerable time.

At Alix, the 900 hours of administrative work are handled by agentic AI and humans. We forward mail, review bills, scan documents, handle life insurance, clean out the fridge, adjust the thermostat, park the car in the garage, cancel Netflix, make calls to financial institutions, return the cable box, and complete the necessary forms.

The families we work with have almost 24/7 access via the app or by calling, texting, and emailing. That was one of the most frustrating things about helping Katie; it was hard to get a call back. We can give families peace of mind about the process being more efficient. It's like having a team of administrators, akin to a family office of the ultra-high net worth, to handle the complex work of settlement.

The holidays offer an interesting opportunity to increase situational awareness as a family. Perhaps that's as simple as knowing where the account information is located. Parents often feel uncomfortable talking about money with their adult children; money and grief are very potent emotions. You can start the conversations now.

• Meta is adopting an "AI-first" strategy by offering staffers access to a growing list of AI tools.
• Employees can now use AI models like Google's Gemini 3 Pro and OpenAI's GPT-5 to boost productivity.
• Meta also migrated its productivity suite to Google's Workspace to "unlock AI-driven capabilities."

In its push to create an "AI-first" workplace, Meta is expanding employees' access to tools from rivals such as Google and OpenAI, Business Insider has learned.

The social media giant has been encouraging employees to integrate AI tools into nearly everything they do, according to multiple internal documents and posts seen by Business Insider.

One of the company's priorities is to "make AI core to how we work," Meta's chief information officer, Atish Banerjea, told employees in a June memo outlining a plan to use Meta's own models — which use the naming convention "Llama" — alongside products from other firms.

In November, a Meta engineer said in an internal post that all employees have access to Google's Gemini 3 Pro and OpenAI's ChatGPT-5. The post included a list of AI tools Meta employees have access to, including their use cases. Business Insider has recreated the list below.

A Meta spokesperson confirmed the revamped suite of AI tools and pointed to an earlier comment shared with Business Insider about AI adoption, stating: "It's well-known that this is a priority, and we're focused on using AI to help employees with their day-to-day work."

Embracing rival AI tools

The social media giant opened the floodgates to rival AI models in June.

Among those is an internal coding tool called Devmate that uses Anthropic's Claude, Business Insider previously reported. Google's Gemini and NotebookLM Pro are also available across the company to help employees "work smarter and have more impact," Banerjea told employees in the June memo.

Meta has invested tens of billions into its own consumer-facing AI models, and employees have access to an internal AI assistant called Metamate, which is built on its Llama models.

After Meta struck a deal over the summer the startup Midjourney to weave its AI-image generator into its products and models, the company made the tool available to employees in October for "concept and production uses" to speed up design work and creative prototyping, according to an internal post ahead of the rollout, seen by Business Insider.

Gemini isn't the only Google tool Meta is embracing. The company migrated its internal productivity suite over the summer to Google Workspace — including Chat, Gmail, Docs, and Drive — describing the move in a June memo as a way to "unlock AI-driven capabilities" and better integrate with its expanding toolset.

On the engineering side, Meta has expanded access to agentic coding systems, adding Google's Gemini 3 Pro and exploring new integrations with tools like OpenAI's Codex CLI and Google's Gemini CLI. "Rather than focusing on specific solutions, our strategy centers on outcomes: increasing productivity, accelerating development, and ensuring you have access to the best agentic coding experiences," Reality Labs executive Maher Saba told employees in a November memo seen by Business Insider.

To encourage adoption and experimentation, Meta has gamified the use of AI, Business Insider previously reported. Earlier this year, it launched an internal game called "Level Up," which rewards employees with badges for using AI in different ways. Leaders are also tying performance to results achieved through AI, rewarding those who can prove "AI-driven impact" this year, and including it as part of performance reviews in 2026.

Have a tip? Contact this reporter via email at jmann@businessinsider.com or Signal at jyotimann.11. Use a personal email address and a nonwork device; here's our guide to sharing information securely.

• I shopped for Christmas gifts for my husband and teenagers at Walmart and Target.
• Prices seemed similar at both chains, but Target had more sales and a better overall holiday vibe.
• I like Walmart, but I wasn't as impressed by some departments and my overall shopping experience.

Every morning while walking my dog, I pass a giant digital countdown to Christmas on my neighbor's lawn.

Lately, it's been making me feel the urgency to get my holiday shopping finished ASAP. On top of that, we have less than two weeks until the big day — and if I order some gifts online, they may not arrive on time.

So, after a recent morning walk, I hopped in my car and headed to two of my nearest big-box retailers, Walmart and Target, to finish my Christmas shopping.

Here's what it was like looking for gifts for my husband and two teenagers at Walmart and Target during the 2025 holiday season.

Stocking stuffers, such as candy and gum, seemed similarly priced at both stores.

Walmart and Target both had aisles upon aisles of seasonal candy and other small stocking stuffers priced between $1 and $5.

I found everything I needed to fill the stockings of my husband, 17-year-old son, and 15-year-old daughter at both stores, from holiday-themed chocolate bars and gum to seasonally-scented face masks and lip balms.

Generally, Walmart's pajamas were cheaper than Target's.

Each Christmas Eve, I give my kids a new pair of Christmas pajamas to open and wear to sleep that night.

At both stores, I found plenty of soft and cozy pajamas with cute holiday prints, but they were much cheaper at Walmart.

For example, I found cute mix-and-match sets of Walmart's Joyspun pajamas that cost about $25 total. Similar sets from Target's Auden brand were priced at $35, so I went with the Walmart pajamas to save about $10.

Both the guys in my house want quarter-zips, and I preferred Target's selection.

I recently introduced quarter-zip sweaters to my husband with great success — and my teenage son and his friends have also taken to the fashion trend.

So, both of my guys asked for a new quarter-zip for Christmas.

I found a performance quarter-zip in blue or black at my local Walmart for $25, but it seemed pretty basic. At Target, I found a few options, including quarter-snap sweaters — a fun play on the trend — for $35.

I liked Target's version better because it came in four different colors (all in stock in my local store), and the sweaters felt a bit higher quality than the ones I found at Walmart.

Still, it was nice to find the trendy style at both retailers.

Both stores had a wide selection of gifts for gamers, including the new Switch.

My teenage son loves video games — we were even among the first in line at Target to buy the all-new Nintendo Switch 2 console when it was released earlier this year.

Fortunately, both Target and Walmart had tons of gifts for gamers from consoles — including the Xbox Series X and the new Switch 2 — to games and accessories for those systems.

When I visited, neither store was offering particularly great deals on games or consoles, and the prices appeared to be the same at both.

Still, in a world where sought-after tech can be tough to track down over the holidays, I was impressed with each store's selection of gamer gifts.

Walmart's jewelry selection is great for younger kids, but Target has the brands my teen loves.

I found charm bracelets, earrings, pendant necklaces, and more at both Walmart and Target.

Walmart mostly stocked its own brands of inexpensive jewelry, whereas Target had collaborations with major brands, like BaubleBar and Kendra Scott, on display.

I used to buy my daughter cheaper jewelry at Walmart, like Time and Tru charm bracelets or initial necklaces for under $10. But now that she's old enough to take care of nicer pieces, I'd prefer to shop for her at Target.

I could see myself getting a Kendra Scott necklace or some Hey Harper gold hoop earrings at Target. These types of pieces typically cost between $30 and $50, and it's nice being able to look at them in person instead of just ordering them online.

I still recommend Walmart for trendy, inexpensive jewelry for younger kids who don't care about brand names, though.

Many toiletry gift sets — a teen favorite — were available at both stores.

My teen daughter has loved getting seasonal beauty gift sets from her favorite brands over the last few holidays, so I looked at what was on offer at both stores.

At Target, I spotted gift sets containing products from brands like Byoma and Tree Hut, two of my daughter's favorites. Walmart had skincare sets from Bubble and CeraVe — two other brands she loves.

These sets often include trial-sized items, making them a good way to test out products before investing in pricier, full-sized versions.

Both stores had comparably priced sets featuring scrubs, lotions, and body washes, though many were on sale for 30% off at Target during my trip.

I found vinyl records from artists my teens love at both Walmart and Target.

Collecting vinyl records can be an expensive hobby, so I usually buy my kids one they've been wanting to add to their collection for Christmas.

Fortunately, Walmart and Target both had impressive vinyl sections with similar prices. I easily found my teens' favorite artists, from Taylor Swift to Olivia Rodrigo, at both.

Prices at each store matched what I've seen at other retailers, like Amazon and Barnes & Noble.

The prices and variety of essential-oil diffusers seemed about the same at both chains.

My daughter has a new essential-oil diffuser on her wish list this year, and I found lots of options at both retailers.

At Walmart, there were plain diffusers and more intricately decorated ones, all at reasonable prices — most under $30.

Target's diffuser prices were right on par with Walmart's, and it also had super decorative styles, plus a few with "ultrasonic" features that felt more high-end.

Both retailers had an impressive selection of oils to go with them, too.

I found more festive holiday socks at Target.

If you're looking for a soft, cozy pack of wintery socks, Walmart just may be the spot.

There, I found three-packs of soft Joyspun socks in lots of different colors and patterns for less than $10. However, I didn't see as many seasonal socks as I expected at Walmart.

If your family likes wearing truly festive socks — the kinds with elf or snowman patterns or snowflake designs, Target may be the place to shop.

There, I picked up holiday-worthy stocking-stuffer socks for each person in my family for about $4 to $6 a pair.

Target's selection for pets felt more festive than Walmart's.

We love our pets and always make sure to fill their stockings and leave a few items under the tree for them to open on Christmas morning.

At my local Walmart, I only found a few endcaps set up with seasonal pet items, like stockings filled with cat or dog toys.

Meanwhile, Target had overhauled its entire pet section to celebrate the season — displays were complete with festive photos of cats and dogs. I found seasonal pet clothes, treats, beds, toys, scratchers, and more.

It was lots of fun to pick out a few items for my cats and dogs at Target.

All in all, my holiday shopping pick would be Target.

Walmart has a reputation for offering low prices and great deals, so I've long assumed it was the cheaper of the two stores.

However, after comparing the cost of groceries at both earlier this year, I discovered Target offered much of the same pricing with a more relaxing shopping experience.

Turns out, the same is true when shopping for holiday gifts. Most items on my list cost about the same at both stores, but my experience at Target felt more laid-back and less hectic.

As much as I enjoy Walmart, Target remains my preferred store to visit, especially during the holiday season.

My local Walmart often feels crowded, plus some of its offerings in the pet and men's wear departments didn't impress me quite as much as Target's.

Target also had more in-store sales running when I shopped, such as 30% off beauty gift sets. (Its sales change weekly, though, so it's worth checking if the items on your list are discounted before shopping.)

Since the prices seem so similar at both stores, it makes more sense for me to go to Target, where I can grab a peppermint mocha from the in-store Starbucks to sip on while I slowly peruse the typically not-too-crowded aisles.