• I work with companies to confront addiction in the workplace. The hidden crisis is costing corporate America millions.

    Nicole Fox, VP of marketing and communications at Shatterproof
    Nicole Fox is the vice president of marketing and communications at Shatterproof.

    • Addiction is rising across the US, and it's hitting the workforce harder than ever.
    • In corporate America, perfectionism and pressure often mask who's truly at risk.
    • Here's how I help companies confront addiction, and what employers can do next.

    Shatterproof is a national nonprofit dedicated to reversing the US addiction crisis through stigma reduction, treatment reform, and workplace education.

    Business Insider correspondent Reed Alexander spoke with Nicole Fox, vice president of marketing and communications at Shatterproof, who has worked directly with companies to help tackle addiction in their ranks. This as-told-to interview has been edited for length and clarity.

    Addiction doesn't always show up in the way that society likes to portray it. Many people are able to maintain their lifestyles without subscribing to what the media tells us addiction looks like. Especially in white collar settings, it doesn't show up like absenteeism or poor performance. On Wall Street, it often hides behind overperformance.

    It might be, you know, the analyst who's the first one in, the last one out, the VP who never misses a target; but they might be quietly unraveling after hours.

    We partnered with the National Safety Council to create a substance-use cost calculator. Take for example, an employer with 45,000 employees. They will lose $50 million annually in turnover, absenteeism, and healthcare costs related to substance use disorder. And for every employee who's in recovery, that same company can save about $8,500 annually.

    We need coworkers and managers to be equipped to step in and have productive, compassionate conversations that prioritize employee mental health. Addiction isn't a failure of character. It's a challenge of our culture.

    The hidden crisis

    Addiction exists inside every workforce, including white-collar industries. One in six Americans — almost 50 million people over the age of 12 — have substance use disorder. Of that population, 70% are employed.

    Overdose is also the No. 1 killer of 18 to 44-year-olds. That cohort alone is over half of America's workforce. It's not a niche health issue. We really see this as the public health crisis of our time.

    We conducted a large-scale survey to measure public attitudes, people's beliefs, and their knowledge around substance use disorder. It's called the Shatterproof Addiction Stigma Index. We found that although 70% of adults said that they're willing to have someone with a substance use disorder as a coworker, about half — so 48% — were unwilling to work closely with that person. Even more were unwilling to hire someone with substance use disorder — that's 55% — or to have them as a supervisor — that's 67%.

    So while people say the words and check the boxes that they're willing to work with someone with a substance use disorder, it's kind of that "not in my backyard." Like, yes, I'm willing to, but as long as it's not with me personally.

    The disparity between people's own understandings and their own belief in their own compassion — that was really surprising.

    They say, "Yes, I'm willing to work with someone with a substance use disorder. It's fine if they work at my company as long as they don't manage me, as long as I don't manage them, as long as they don't sit next to me."

    Warning signs and behaviors that drive addiction at work

    High-pressure cultures glorify burnout: it masks warning signs and it can even reinforce unhealthy coping mechanisms.

    Alcohol is a big piece of this. When we talk about substance use disorder, you hear the term addiction — people's first thought isn't always alcohol. It's so deeply normalized. You've got client dinners, you've got team bonding, closing deals, and the low stigma around alcohol use makes it easy for those problems to go unnoticed.

    Thirty-four percent of people who need treatment report not getting it because they're afraid that bad things would happen to them — like they would lose their job, lose their home, lose their children. And unfortunately, those fears are really valid concerns. Employees need to know that they can seek help without risking their careers.

    We're not expecting managers to be therapists or clinicians; they just need to be recognizers. So teaching them how to spot the subtle changes when someone is withdrawn, if they're defensive, communications shifts, and then equipping them with specific steps to take based on their company's own EAP and benefits — that gives them an action plan to help and to help swiftly.

    We've seen the most success when there is true engagement from the top. It's twofold — creating a safe, productive space for their employees, but then also the recognition that ignoring addiction is really expensive.

    We've worked with companies — we've called them "courageous conversations" — where the CEO brings this up at an all-staff. We have someone from Shatterproof present to help guide the conversation, and they share how substance use disorder has impacted them personally. HR is there, all the employees are there, and they have this really vulnerable conversation together.

    We're setting the stage for education, so we're inviting people to replace judgment with curiosity.

    Read the original article on Business Insider
  • I shopped at Michaels and Hobby Lobby for holiday decor. My teen has a clear favorite, but I feel torn.

    Composite of image of author Terri Peters smiling outside of a Michaels and smiling outside of a Hobby Lobby
    Both Michaels and Hobby Lobby have tons of seasonal sales and home decor, but the retailers are quite different.

    • This winter, I shopped at Michaels and Hobby Lobby to get a feel for their 2025 holiday merchandise.
    • I thought Michaels had more seasonal craft supplies, and Hobby Lobby had more holiday home decor.
    • My Gen Z daughter preferred Michaels, but I could see the benefits of shopping at both stores.

    Honestly, I get excited when stores put up their Christmas displays in October. It never feels too early when the winter holiday season is one of your favorite times of the year.

    I'm a sucker for it all it brings, whether I'm meticulously planning which wrapping paper to use on gifts or sipping peppermint lattes while shopping for decorations.

    When it comes to the latter, I typically visit craft retailers Hobby Lobby and Michaels. So, for the third year in a row, I went to the two retailers to compare their seasonal offerings.

    Much to my delight, I found the 2025 winter holidays in full effect at both. However, I found each store shines in some areas but lacks in others.

    Here's how my holiday shopping experiences at Hobby Lobby and Michaels compared this year.

    Michaels and Hobby Lobby both had tons of different artificial trees.
    Christmas trees on display at Michaels

    There was no shortage of artificial Christmas trees at either retailer.

    Each seemed to sell every variation of tree imaginable. Shoppers could choose between blinking white lights or solid colorful ones, branches covered in snow or lightly flocked with it, and a wide range of heights.

    I saw trees that were black, pink, and Grinch-green, as well as ones made from sparkly tinsel. Whatever type of artificial tree you're dreaming of this year, chances are you'll find it at either store.

    There were also endless options for ornaments at both stores.
    Santa, cow, and other ornaments on display at Hobby Lobby
    Hobby Lobby's ornament selection was fun to look through.

    In addition to multipacks of ball-shaped filler baubles for just about any tree-decorating color scheme, each store stocked plenty of specialty ornaments.

    I also saw character-themed ornaments — from franchises like Harry Potter and Elf on the Shelf — at both stores.

    At Hobby Lobby, I bought a glass camera ornament for my film-loving teenage son.

    Truly, I'd happily adorn my tree with options from either retailer.
    Wall of ornaments on sale at Michaels

    At Michaels, I grabbed both a monogrammed "P" ornament (for our family's last name) and a fuzzy felt mouse wearing a Mrs. Claus-style dress and holding a tray of cookies.

    Ultimately, my ideal tree would have a mix of fun designs and baubles from Michaels and Hobby Lobby.

    There were also a lot of other tree-trimming materials at both Michaels at Hobby Lobby.
    Garland strands at Hobby Lobby

    Again, anything you could dream of for decking your halls was on offer at Michaels and at Hobby Lobby, from strands of plastic Christmas candies to long swaths of realistic-looking pine garland.

    Each store also had a decent selection of seasonal outdoor decorations — light-up figurines, metal yard signs, inflatable lawn figures, and more.

    Michaels had several themed sections of decor.
    Michaels red and white santa-style decor collection

    Michaels had arranged its holiday decor by theme in a series of three or four aisles.

    I spotted a collection of nutcracker-themed decor and a section for traditional red, white, and green items. The pink-peppermint decorations and vintage-style collection featuring dogs and cats also caught my eye.

    Some of Hobby Lobby's decor was also divided by theme.
    Pink, girly candy-inspired decor at Hobby Lobby

    Somewhat similar to Michaels, some of Hobby Lobby's holiday decor was organized by style throughout the store.

    I perused adorable snowman items on one set of shelves and a collection of holiday trees and reindeer on another. A whole display was dedicated to Santa, and one shelf was packed with baby-pink and light-blue gingerbread-house-style decorations.

    That said, Hobby Lobby's seasonal displays seemed to be really spread out throughout the store. I had to walk through the front, middle, and back of the building to see everything on offer for the holidays.

    If you're an Elf on the Shelf family, go to Michaels.
    Elf on the shelf display at Michaels

    Michaels was stocked with a variety of Elf on the Shelf merchandise, including candy, outfits, craft kits, plushies, and games. The store had plenty of actual figurines for sale, too.

    If your kids are fans of these characters and all the shenanigans they bring to the holidays, Michaels is a must-visit stop.

    The Grinch was everywhere I looked at Hobby Lobby.
    Grinch items on display at Hobby Lobby

    I found several aisles at Hobby Lobby with items themed around "How the Grinch Stole Christmas."

    The chain seemed to have something for just about every fan of the franchise, from lamps with shades covered in Grinch-green fur to mugs designed to look like Max and Cindy Lou Who

    Michaels had some unique pieces in its lineup of seasonal decor.
    Black soldiers decor at Michaels

    I visited Michaels with my husband and 15-year-old daughter, and we all found decor we enjoyed.

    My daughter loved the "silly cats" found across Michaels' vintage-style Christmas collection.

    Meanwhile, my husband was interested in the all-black Christmas decorations from the "Silent Night" collection. These darkly unique nutcrackers, ornaments, figurines, and other decor items would make for a pretty elegant … or spooky … holiday display.

    As usual, Hobby Lobby maintained a very traditional approach to seasonal decor.
    Vintage-style christmas tree ceramics at Hobby Lobby

    I didn't see much at Hobby Lobby that strayed too far from what I'd consider traditional Christmas decor.

    Many pieces simply featured Santa Claus, trees, candy canes, gingerbread houses, and snowmen without many styles that feel particularly new or different.

    Its wide selection of more standard holiday fare certainly isn't a bad thing, though; it just depends on your style. Plus, classics are often classic for a reason.

    Michaels had everything my teen's TikTok-inspired dreams are made of.
    Wood Christmas houses at Michaels

    Michaels had exactly what my daughter wanted from a holiday-decor shopping experience.

    She was thrilled to find tons of unfinished wood holiday village pieces, which she's seen a lot on TikTok lately.

    In fact, the two of us plan to have some of her friends and their moms over soon to paint a DIY Christmas village, and we know where we'll be buying the supplies.

    For now, she picked up a few unfinished wooden nutcrackers to paint.

    However, my daughter wasn't sure about Hobby Lobby's style.
    Teenage girl holding giant stuffed gingerbread in Hobby Lobby

    On the other hand, my teen wasn't so impressed by the offerings at Hobby Lobby and the style of some of its decor.

    "These are as big as I am," she said as she picked up one of the store's enormous stuffed gingerbread men. "I don't get it."

    She didn't really find any crafts or pieces she wanted to take home, either. However, I found lots of items I loved at Hobby Lobby, from a snowman teapot to Santa espresso cups.

    Maybe she's just not the chain's target audience.

    There were tons of deals to be found at both Hobby Lobby and Michaels, which is nothing new.
    50% off sale sign on candle display at Michaels

    Both craft and decor retailers seem to always be running sales with a certain percentage off specific items, and the holidays are no exception.

    On our trip to Michaels, several craft kits were 30% off, holiday candles were three-for-$9.99, and most holiday decor was on sale for half off.

    At Hobby Lobby, everything "Christmas" was 50% off.

    Both regularly offer coupons and various promotions throughout the season, so it's a good idea to keep an eye on each store's mobile app and weekly ad.

    I couldn't find winter holidays other than Christmas represented at either retailer.
    Christmas mugs at Hobby Lobby
    Hobby Lobby has lots of decor for winter and Christmas.

    Michaels and Hobby Lobby tend to go all out for Christmas, but I always look to see if they have sections for other winter holidays, such as Hanukkah, Diwali, and Kwanzaa.

    Some years, I've found displays with items for holidays other than Christmas at Michaels, but I haven't seen anything yet at my local store.

    Given Hobby Lobby's CEO is a devout Christian and the chain doesn't even sell Halloween decorations, I wasn't surprised Christmas was (once again) the only winter holiday I found represented on its shelves.

    Overall, Michaels seemed like the place for holiday crafters.
    Wooden nutcrackers at Michaels

    I found way more seasonal craft supplies at Michaels than at Hobby Lobby, so it'd be my go-to stop for my artsy holiday needs.

    The chain impressed me with offerings like craft kits for a range of ages, as well as wooden figurines and ceramic holiday lamps that anyone could personalize.

    This week alone, my daughter and I have stopped into our local Michaels twice to buy unfinished wood pieces that we can paint while watching Hallmark holiday movies.

    Hobby Lobby, on the other hand, felt more geared toward entertainers and hosts.
    Christmas-themed toothpicks, aprons, spoons, servingware at Hobby Lobby

    Hobby Lobby was full of items I'd use for hosting, from festive paper goods to ceramic serving platters emblazoned with seasonal sayings and images.

    While shopping there, I found baking supplies, gingerbread-house decorating kits, games to play during Christmas dinner, and more.

    The retailer would be the perfect spot to pick up everything you need to host a holiday gathering, whether that's a dinner party or a cookie exchange.

    Which store is best for you? That depends on what you're shopping for.
    Author Terri Peters smiling inside of a Hobby Lobby in front of greenery display

    It's safe to say you could head into Michaels or Hobby Lobby and find everything you need to decorate both the inside and outside of your home for the holidays.

    However, the one you should shop at depends on your priorities.

    If you're looking for holiday craft supplies or some DIY inspiration for the season, Michaels may be the place to start. It's an especially good spot for those wanting more unconventional decor to suit a wider range of tastes and styles.

    And if you're entertaining a lot over this Christmas season, Hobby Lobby should have everything you need. It's also a solid stop for anyone who wants to decorate their space with more classic seasonal imagery and designs.

    Both stores are full to the brim with holiday offerings right now, so you can't go wrong at either. No matter which you choose to shop at, just remember to stop for a peppermint latte on the way.

    Read the original article on Business Insider
  • 3 ASX ETFs to buy now for explosive long-term growth

    A young women pumps her fists in excitement after seeing some good news on her laptop.

    While the market has been choppy this year, long-term investors know volatility often creates opportunity.

    If your time horizon stretches well beyond the end of this decade, some of the most powerful megatrends in technology, digital assets, and innovation could deliver exceptional growth.

    One of the simplest ways to tap into those opportunities is through exchange-traded funds (ETFs).

    With a single purchase, you can gain access to dozens of high-growth stocks that are shaping the next era of the global economy.

    Here are three ASX ETFs that stand out for investors seeking explosive long-term growth.

    BetaShares S&P/ASX Australian Technology ETF (ASX: ATEC)

    For investors who want exposure to Australia’s best technology stocks, the BetaShares S&P/ASX Australian Technology ETF could be the go-to option. It captures a portfolio of homegrown innovators positioned to benefit from digital transformation, cloud adoption, automation, and high-performance computing.

    This ASX ETF’s holdings include market leaders such as WiseTech Global Ltd (ASX: WTC), Xero Ltd (ASX: XRO) and NextDC Ltd (ASX: NXT). These companies continue to expand internationally and dominate their respective niches in logistics software, small business accounting and data centre infrastructure.

    For investors who want pure exposure to the ASX tech sector, this fund remains one of the best options available. It was recently named as one to consider buying by analysts at Betashares.

    BetaShares Crypto Innovators ETF (ASX: CRYP)

    The BetaShares Crypto Innovators ETF is certainly not for the faint-hearted. But for long-term investors with a tolerance for volatility, it offers exposure to one of the fastest-growing technology frontiers: digital assets.

    Instead of holding cryptocurrencies directly, this ASX ETF invests in stocks that are building the infrastructure of the crypto ecosystem.

    Its holdings include Coinbase Global (NASDAQ: COIN), Marathon Digital Holdings (NASDAQ: MARA) and Hut 8 Mining (NASDAQ: HUT). These companies form the backbone of crypto trading, blockchain validation, and digital transaction networks.

    Coinbase is particularly interesting. As regulatory clarity improves and mainstream adoption increases, it stands to benefit from higher trading volumes, institutional participation, and the broader expansion of the digital asset economy.

    For investors aiming for explosive upside, it could be a compelling long-term pick.

    BetaShares Australian Momentum ETF (ASX: MTUM)

    Finally, the BetaShares Australian Momentum ETF takes a unique approach by investing in Australian stocks that are showing strong share price momentum. This rules-based strategy captures the market’s current leaders.

    At present, the ASX ETF includes stocks such as Qantas Airways Ltd (ASX: QAN), Coles Group Ltd (ASX: COL) and Wesfarmers Ltd (ASX: WES).

    Momentum strategies have historically outperformed over long periods by consistently rotating into whichever sectors and stocks are delivering the strongest returns. This gives the fund an important advantage: it adapts automatically. As new leaders emerge, the ETF adjusts its holdings accordingly.

    For investors seeking a dynamic, performance-driven strategy, this is arguably one of the most interesting ETFs on the ASX. It was also recommended by analysts at Betashares.

    The post 3 ASX ETFs to buy now for explosive long-term growth appeared first on The Motley Fool Australia.

    Should you invest $1,000 in Betashares S&P Asx Australian Technology ETF right now?

    Before you buy Betashares S&P Asx Australian Technology ETF shares, consider this:

    Motley Fool investing expert Scott Phillips just revealed what he believes are the 5 best stocks for investors to buy right now… and Betashares S&P Asx Australian Technology ETF wasn’t one of them.

    The online investing service he’s run for over a decade, Motley Fool Share Advisor, has provided thousands of paying members with stock picks that have doubled, tripled or even more.*

    And right now, Scott thinks there are 5 stocks that may be better buys…

    * Returns as of 18 November 2025

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    More reading

    Motley Fool contributor James Mickleboro has positions in Nextdc, WiseTech Global, and Xero. The Motley Fool Australia’s parent company Motley Fool Holdings Inc. has positions in and has recommended Wesfarmers, WiseTech Global, and Xero. The Motley Fool Australia’s parent company Motley Fool Holdings Inc. has recommended Coinbase Global. The Motley Fool Australia has positions in and has recommended WiseTech Global and Xero. The Motley Fool Australia has recommended Wesfarmers. The Motley Fool has a disclosure policy. This article contains general investment advice only (under AFSL 400691). Authorised by Scott Phillips.

  • Meet Jay Graber, the CEO of Bluesky, who is building a ‘billionaire-proof’ and decentralized social media platform

    Jay Graber at the Keynote "The Future of Social with Jay Graber, Bluesky CEO" during SXSW Conference & Festivals at the Austin Convention Center on March 10, 2025 in Austin, Texas. (Photo by Samantha Burkardt/SXSW Conference & Festivals via Getty Images)
    Jay Graber is the CEO of Bluesky, a decentralized social media platform with over 40 million registered users.

    • Jay Graber studied how technology interacts with society at the University of Pennsylvania.
    • Bluesky's open protocol offers a decentralized alternative to X and Meta platforms.
    • Here is a look at Graber's career and her unconventional path to Silicon Valley.

    Jay Graber is the engineer behind one of the most ambitious experiments in reimagining social media.

    The Tulsa-born CEO is best known for steering Bluesky, the decentralized platform she describes as a "billionaire-proof" alternative to X and Meta-owned platforms.

    Graber's emergence as a Silicon Valley power player was unconventional. In 2021, former Twitter CEO Jack Dorsey tapped her to lead the Bluesky project, which was spun off as an independent public benefit company, just before Elon Musk's takeover of Twitter.

    Since then, Bluesky's user base has grown to over 40 million as of November 2025, powered by its open protocol, customizable moderation system, and promise of a more democratic digital ecosystem.

    Here's a look at Graber's career timeline, from her early work in cryptocurrency to her rise as the architect of a new, user-owned social media platform:

    Early life
    Jay Graber

    Jay Graber was born Lantian Graber in Tulsa, Oklahoma, to a mother who is an immigrant from China during the Cultural Revolution and a father of Swiss descent. Her mother, who is an acupuncturist, named Graber "Lantian", which means "blue sky" in Chinese, as a wish that she would have "boundless freedom." She was aptly named for the job she would eventually be given.

    Her father is a mathematics teacher, and in a 2024 profile of Graber in Cosmico, he is cited as a source of intellectual and academic influence for Graber.

    Education
    JULY 17: A general view of the Penn Shield University of Pennsylvania logo on July 17, 2025, at the University of Pennsylvania, in Philadelphia, PA. (Photo by Erica Denhoff/Icon Sportswire via Getty Images)

    At the University of Pennsylvania, Graber studied Science, Technology & Society, which is an interdisciplinary program that examines how technological innovation intersects with culture, politics, and ethics.

    Rather than focusing solely on coding or engineering, the program allowed Graber to explore the broader systems that shape how technology is developed and utilized, an approach that later influenced her views on social networks and digital governance.

    Some of her key guiding views include a decentralized internet and open source social media protocols. "We believe that the protocol is the fundamental guarantee on freedom of speech," Graber said once during an interview with Fast Company.

    Before Bluesky
    A bitcoin illustration

    Graber's early career unfolded during the first wave of blockchain innovation in the mid-2010s. After graduating from the University of Pennsylvania, she began her career as a software engineer at SkuChain, a startup focused on utilizing blockchain for supply-chain management. Around the same time, she also built and soldered bitcoin-mining rigs, deepening her technical grasp of decentralized systems beyond software.

    Between 2016 and 2018, Graber joined the privacy-focused cryptocurrency project Zcash as a junior developer, contributing to one of the most advanced implementations of zero-knowledge proofs. Later, in 2019, she founded Happening, Inc., an events app that aimed to help communities organize and connect through shared experiences.

    Happening, Inc. never really took off, but these early roles grounded Graber in both the engineering and ideological foundations of decentralized technology, which later shaped the vision for Bluesky as an open, user-controlled social network.

    Joining Bluesky
    Bluesky logo

    When Jack Dorsey, then CEO of Twitter, first announced Bluesky in late 2019, it was a small, Twitter-funded initiative tasked with researching an open and decentralized standard for social media.

    By August 2021, Dorsey decided to onboard Graber, who was then known in crypto circles for her work on Zcash and decentralized community tools, to lead and accelerate the effort. However, according to an April 2025 profile of Graber in the New Yorker, she quickly realized that for Bluesky to fulfill its mission, it needs to create a social protocol separate from any single corporation and maintain independence from Twitter.

    With Dorsey's backing, Graber negotiated a formal spin-out by October 2021 and incorporated Bluesky as a public benefit corporation, a legal structure that allowed it to prioritize user benefits and open standards over shareholder profit.

    Twitter provided an initial $13 million in funding to give the new entity "freedom and independence to get started," as Dorsey publicly described at the time.

    Bluesky's rise
    Bluesky app

    Graber's early move to separate Bluesky from Twitter may have saved it.

    When Elon Musk acquired Twitter in 2022 and renamed the platform X, Bluesky's independence allowed it to thrive and emerge as a competitor to X as droves of users left the platform.

    In September 2023, Bluesky only had around 1 million registered users, but this figure climbed to more than 20 million by the end of November 2024. The meteoric rise came after a user surge in Brazil after X was temporarily restricted there, as well as 1.25 million user gains the week after Donald Trump won the 2024 presidential election.

    As of November 2025, Bluesky has around 40 million registered users. That is no match for X's roughly 560 million users, but it provided an alternative for those dissatisfied with X's ownership and content moderation.

    Calling out Big Tech
    Jay Graber at the Keynote "The Future of Social with Jay Graber, Bluesky CEO" during SXSW Conference & Festivals at the Austin Convention Center on March 10, 2025 in Austin, Texas. (Photo by Samantha Burkardt/SXSW Conference & Festivals via Getty Images)

    Graber has taken a subtle dig at Mark Zuckerberg, the CEO of Meta, which owns Facebook, Instagram, and Threads.

    During SXSW in Austin in March 2025, Graber wore a black T-shirt that reads "Mundus sine caesaribus," meaning "a world without Caesars." The design and font are widely interpreted as a response to Zuckerberg's own Latin slogan shirt, which reads "Aut Zuck aut nihil," meaning "either Zuck or nothing."

    The shirt drew public curiosity, and Bluesky began selling the same shirt. A spokesperson for the company told Business Insider at the time that the shirts sold out in 30 minutes, representing the company's "democratic approach, where no single CEO or company controls your experience online."

    A modest net worth
    Jay Graber

    Compared to other Silicon Valley CEOs who run major social media platforms, all of whom are billionaires, Graber has a very modest net worth.

    Estimates of Graber's net worth fall between $2.95 million and $5 million, mostly depending on her equity in Bluesky. Since Bluesky is not a publicly traded company, Graber's stake in the company and her annual compensation are not publicly disclosed.

    As of early 2025, Bluesky's valuation is estimated to be around $700 million.

    A 'billionaire-proof' platform
    Jay graber

    Graber positions Bluesky as a new kind of social network.

    Bluesky is built on an open-source Authenticated Transfer Protocol, which decentralizes social networking and hands more control to users rather than a single company or executive.

    "The billionaire proof is in the way everything is designed, and so if someone bought or if the Bluesky company went down, everything is open source," Graber told CNBC in an interview in November 2024.

    "What happened to Twitter couldn't happen to us in the same ways, because you would always have the option to immediately move without having to start over," Graber added, referring to Musk's purchase of the platform that is now named X.

    Unlike traditional social platforms like X or Facebook, Bluesky is built on an open-source ecosystem called the ATmosphere, powered by the Authenticated Transfer Protocol. The system gives users the ability to design and customize their own ranking algorithms, carry their posts and followers with them across different apps, and avoid being subject to any platform's arbitrary or politically driven moderation decisions.

    Activism on Bluesky
    Protesters from the Tesla Takedown movement gather outside a Tesla pop-up store
    Protesters from the Tesla Takedown movement gather outside a Tesla pop-up store

    Bluesky became a platform widely used by progressive activists and community organizers.

    The Tesla Takedown movement, a pushback against Tesla CEO Elon Musk's involvement with Donald Trump and the White House's DOGE office, famously spread via Bluesky when actor Alex Winter contacted a sociologist in Boston to build a website where people could organize local protests.

    But the progressiveness of Bluesky also seems to have spooked some politicians. Semafor's media reporter Max Tani wrote in May 2025 that some congressional staffers told him that they gave up on using Bluesky as an alternative to X, because "their bosses kept getting yelled at by Democratic users angry at their impotence."

    Changing the ecosystem
    Jay graber in conversation with Fast Company

    Graber is unfazed by Bluesky's slower growth in terms of registered and active users.

    In an interview in May with Fast Company, Graber said that reports of Bluesky's death are "greatly exaggerated" and that growth "comes in waves," with new communities being established at each stage.

    "We're still seeing a lot of community formation, and one of the most exciting things is how structurally different this is," said Graber. "It's not just another social site that has to be a singular winner-take-all in an ecosystem with existing incumbents."

    In 2025, Bluesky still added around 10 million newly registered users.

    A warning against AI over-reliance
    Jay Graber

    Graber has tips on how to thrive in an era of AI, and reliance is not the answer.

    "AI can handle many reasoning tasks, but if we fully outsource our thinking, it's not good enough," Graber told Business Insider.

    She added that for students, that might mean writing essays by hand to "build the muscle for critical thinking."

    At Bluesky, Graber said AI is used for moderation and curation but never runs on its own, because while AI delivers packaged expertise, human value lies in judgment and adaptability.

    For job seekers, Graber encourages workers to adopt a generalist mindset and master core skills such as writing and coding.

    "If you don't know what good code looks like," she said, "you won't be able to evaluate AI's output."

    Read the original article on Business Insider
  • Netflix’s ‘Marines’ captures Pacific troops searching for purpose in preparing for a war that may never come

    A new Netflix documentary series follows US Marines based in Japan throughout their deployment training.
    A new Netflix documentary series follows US Marines based in Japan throughout their deployment training.

    • Netflix's 'Marines' explores US Marines in Japan preparing for uncertain Pacific conflict.
    • The series highlights the daily reality and stress of military deployment training.
    • 'Marines' offers insight into modern military life amid US-China tensions in the Pacific region.

    A new Netflix mini-docuseries released this month turns its lens on an unusual part of military life: not the heat of battle, but the long, grinding calm that can precede it.

    The series "Marines" follows a handful of service members with the 31st Marine Expeditionary Unit, a roughly 2,000-member Marine contingent that deploys aboard a trio of Navy ships, floating sea bases that can be rapidly moved into global hotspots. The 31st MEU is based in Japan, home to one of the Corps' three major bases, with others in California and North Carolina.

    Marines go through intense training in preparation for such deployments, certifying for missions ranging from disaster response to amphibious assaults. The Netflix show centers on the planning behind a large-scale beach landing, a classic Marine Corps mission. If the exercise fails, the entire unit could lose its deployment certification.

    Unlike most military-themed television, "Marines" focuses on the tension of preparation rather than combat itself in four 45-minute episodes. Executive producer Sebastian Junger, a well-known wartime journalist who focuses on the human costs of war, told Business Insider that he hopes to show viewers the unromanticized — and stressful — reality of a force that spends years preparing for a war that may never happen.

    "When people sign up for the military, they're thinking, 'I will prove myself to myself, that I'm worthy, that I'm courageous, that I'm brave, that I'm strong,'" he said. "But in order to do that, you have to kind of want to wind up in combat."

    A Marine with the 31st Marine Expeditionary Unit fires an M320 grenade launcher during a training event at Camp Fuji, Japan, Oct. 10, 2025.
    A Marine with the 31st Marine Expeditionary Unit fires an M320 grenade launcher during a training event at Camp Fuji, Japan, Oct. 10, 2025.

    Yet combat, especially the kind that the US could face in the Pacific, home to near-peer rival China, could be devastating. Junger said he also hopes his series serves as a way for Americans to think critically about the human cost behind any future conflict.

    "I think the American public would be absolutely shocked at the price tag of a full-scale war," he said. The cost in lives in Ukraine has been catastrophic. A war in the Pacific could be worse.

    The new series is a narrow but revealing lens into the urgency many troops in the Pacific feel, and traces the experiences of a group of real Marines as they train their teams for deployment: a senior enlisted infantry Marine and his officer, a pilot still mastering his flight skills, and a naval officer balancing command duties with the guilt familiar to many working mothers. There's also a pair of lifelong best friends serving as a machine gun team.

    All of them are navigating the struggle of belonging to a generation of Marines with little or no combat experience. Most hardened veterans of Iraq and Afghanistan have cycled out of service, leaving mostly younger troops who sometimes yearn for the kind of battlefield tests they've only heard about.

    For many Marines in the post-Global War on Terror era, deployments, the opportunities for which are often highly coveted, are often limited to the maritime MEU deployments. It's not combat, but it's not without its hardships.

    "Life on the ship is tough," said director Chelsea Yarnell of Marines' experiences aboard Navy warships. "The living conditions on the ships are really severe, like extremely close quarters," she said. "No creature comforts, plumbing didn't always work. If you forgot your shower shoes, you would live to regret it."

    All of the training seen in the series unfolds against a backdrop of rising geopolitical tensions. Stationed in Japan, the Marines and sailors of the 31st MEU sail with the Navy on the front lines of uneasy American tensions with China, a palpable dynamic throughout the show. At various points, a Chinese spy vessel appears to be shadowing the Navy ships carrying the MEU.

    Marines with the 31st Marine Expeditionary Unit, test their jungle survival skills on Okinawa, Japan, Sept. 14, 2025.
    Marines with the 31st Marine Expeditionary Unit, test their jungle survival skills on Okinawa, Japan, Sept. 14, 2025.

    Not everyone in the series is shown storming beaches or flying aircraft. Much of "Marines" dwells on the 'staff officer' side of military life, the meticulous, painstaking planning that underpins every operation. It's the modern version of watching old-timey generals moving battlefield figurines around a map of Europe, but now, it's all done with PowerPoint, caffeine, and untold logistics and administrative checks.

    It's less gripping compared to firefights. But that's the point, the director said.

    "I think that what I was expecting was a story of physical toughness," Yarnell said of the production process. But it was the psychological toll of that laborious planning and preparation, especially aboard a ship, that proved most compelling.

    Junger hopes the series helps correct long-standing misconceptions about military service that have persisted since the end of the draft in the 1970s. Most troops now don't run around carrying guns and slinging rounds downrange all day, he said. In reality, the majority of service members work in roles like logistics, intelligence, and planning, essential but often unseen jobs that sustain those storming the beach.

    Troops are often portrayed in Hollywood films as either heroes on a pedestal or invading villains, Junger said. And often, the military falls victim to its own exclusive culture, pushing jargon and cultural norms that few outsiders fully understand, Yarnell said.

    What's frequently lost is a deeper reckoning with what's asked of individuals trained to kill and die on behalf of the nation. That question feels newly urgent as the US and China continue to challenge one another in the Pacific.

    "These are your sons and daughters," Junger said when asked what viewers might take away from the documentary. "Whether we ever go to war or not, every American I think should understand the nature of our military, in not just political terms but human terms."

    Read the original article on Business Insider
  • I got divorced and moved to Paris at 57. I’m happy I retired in Europe, but life abroad isn’t always a fairytale.

    A selfie of Lisa La Valle
    Lisa La Valle

    • Lisa La Valle, 64, moved to Paris in 2018 seeking a fresh start after separating from her husband.
    • Paris didn't meet her expectations, and in 2021, she moved to Brescia, Italy.
    • Moving to a new country has its highs and lows, but La Valle said she doesn't regret her choice.

    This as-told-to essay is based on a conversation with Lisa La Valle, 64, who moved from New Jersey to Paris in 2018 and now lives in Brescia, Italy. La Valle retired in 2023, but still works part-time as an English teacher and is an author who writes about culture and the expat experience. This conversation has been edited for length and clarity.

    I lived abroad for the first time at 24. I did my final university semester in Athens, Greece, and I loved it so much that I said, "I'm just going to stay" — and I did, for two years.

    I eventually moved back to the US and settled in New Jersey. I got married, had kids, started a career as an expat career coach, and spent many years working and traveling around the world.

    My ex-husband and I always dreamed of moving to Europe once our children were older.

    When we divorced, I looked ahead at the rest of my life and thought, "I'll be damned if I spend the next 30 years in New Jersey." I didn't want to worry about affording healthcare or staying in the rat race to keep up with the high cost of living. So, in 2018, at the age of 57, I kept the dream alive and purchased a one-way ticket to Paris.

    Twilight view of Pont Alexandre III spanning the Seine River. The bridge's lights reflect on the water, while Bistro Alexandre III, a riverside restaurant boat, adds a welcoming glow to the scene.
    The Seine River in Paris, France.

    I have lived in Europe for eight years, first in Paris and now in Italy. Moving to a new country is always an adventure, but there's a difference between doing it at 24 and at 57.

    In my 20s, I immersed myself in Greek culture rather than being "me." Now I'm more fully formed as a woman; I came to Europe to breathe, to find myself, and to see whether I could do it.

    Paris wasn't what I'd hoped for

    There's a phenomenon called Paris Syndrome: a shock that hits when your Paris bubble, the fantasy of what the city should be like, pops. It happened to me.

    When I first moved to Paris in 2018, I sometimes had to pinch myself. I remember crossing the statues on Pont Neuf and crying at the beauty. But after nine months, the rose-colored glasses came off.

    Some places are great at exporting a brand — the American dream, the romantic Parisian dream — but it doesn't always reflect reality.

    I eventually realized that life and the people in France are just like everywhere else. The glamorized version seen on Netflix's Emily in Paris couldn't be further from the truth — and no, not everyone looks like Jane Birkin.

    Lisa La Valle's former apartment complex in France.
    La Valle's former apartment complex in France.

    What wore me down most about living in France was the cynicism. In many ways, Paris felt like a private club, and I was not invited.

    Forming friendships in a new country can be a challenging experience. Although I'm willing to befriend anyone, I know not everyone is, and being an expat can be an extraordinarily isolating and lonely experience for some people.

    I lived in Paris for four years, and overall, I had a good life. I made some close friends and enjoyed teaching English at several schools, including the International School of Paris. But still, I never got the feeling that it was where I wanted to stay forever.

    I feel at home in Italy

    The Rocca Calascio in the Abruzzo region of Italy.
    The Rocca Calascio, a medieval fortress, located in L'Aquila, Abruzzo.

    I moved to Italy in 2021 after accepting a job teaching English literature at an international high school. This was before I took early retirement; I was still working about 20 hours a week and earning about $1,500 a month.

    I think it's much easier to move to a new place when you have a job lined up. You have a financial safety net, a social network, and sometimes even a place to live. That security turns the risk into a calculated one.

    I am a third-generation Italian. My ancestors left Italy in search of a better life in the United States. Ironically, a century later, I became a reverse immigrant.

    I live in Brescia, in the North between Milan and Verona. There isn't the chaos of the touristy South, and, beyond the Old City, it is distinctly modern — more like a Northern European city than the Italian cliché.

    An overview of Brescia, Italy.
    Brescia, Italy.

    After experiencing the "Hollywood version" of Europe, with its cobblestone streets and lantern-lit homes, I'm grateful to live in a modern, fully refurbished apartment in Brescia.

    I have a big living room with terracotta tiles, a kitchen, a full bathroom, a wide hallway with floor-to-ceiling windows, a large bedroom, and a terrace. It feels like a hotel, but I pay only €550 ($636.60) a month in rent.

    In Paris, my rent was $1,200 a month. I really had to work my ass off; it's one of the reasons I left there. Here in Brescia, I'm saving money, and I also feel welcomed, whereas in Paris, I used to be filled with anxiety.

    'I feel as if my DNA has been rearranged'

    Everyone knows about the American Dream: get married, have kids, build a career. I think a lot of people in the United States are waking up to the reality that it isn't working anymore, or it doesn't exist the way it did for their parents. That's why we're seeing people with the means to move abroad actually do it.

    I'm all for following your dreams, but brace yourself — it's not always easy moving to a new country. In many ways, it might not live up to your expectations.

    Lisa La Valle at the Oratorio di San Giorgio in Padua, Italy.
    Lisa La Valle at the Oratorio di San Giorgio in Padua, Italy.

    While Europe has given me the quality of life I envisioned — the transportation is excellent, the healthcare system is solid, the food is fresh, and people are polite — I'm living in a different Europe than the one I experienced in Athens in 1984. It's taken some time to adjust.

    Still, I feel like I have a great life. I'm retired now and have been receiving Social Security for the past two years, so I work part-time. I don't make a lot, but the lower cost of living makes life much easier. I don't feel like I have to struggle financially, like I would have had to in the US.

    I feel as if my DNA has been rearranged. I definitely wish I had moved sooner, but I had obligations — now, not so much.

    When I go back to the US, it's like slipping into an old shoe, but I don't feel nostalgic or as if I'm missing out. I don't wonder, "Did I make the right decision?" If anything, the visit reaffirms that I did.

    Read the original article on Business Insider
  • A partner at Goldman shares how years of competitive sports helped give her an edge at the firm

    Meena Lakdawala-Flynn
    Lakdawala-Flynn said the competitive nature of gymnastics is part of what drew her to finance.

    • Meena Lakdawala-Flynn began competitive gymnastics at age two and said she wanted to compete in the Olympics.
    • The grit, work ethic, and competitive drive she learned from the sport helped her succeed at Goldman Sachs.
    • Athletes are a key recruiting pool for Goldman, and sports experience can differentiate applicants.

    Meena Lakdawala-Flynn knew what it meant to perform under pressure years before becoming a partner at one of the country's top banks.

    Lakdawala-Flynn, cohead of Global Private Wealth Management and One Goldman Sachs, started doing gymnastics when she was two years old. By the time she was eight, Lakdawala-Flynn said she was exercising between 30 and 40 hours a week, and dead-set on going to the Olympics.

    Yet even though Olympic glory wasn't in Lakdawala-Flynn's future — "I grew four inches, I put on 20 pounds, and I wasn't good enough," she told Business Insider — the years in the gym still echo in her work on Wall Street.

    "The moment I stepped foot on that trading floor, the same competitive juices that I had in gymnastics came out in something else," she said of her first finance internship at an investment boutique. In her years rising at Goldman, Lakdawala-Flynn said she has relied on the work ethic, grit, perseverance, and need to perform that she mastered during her time as a gymnast. Even though gymnastics is an individual sport, competing on a team in college influenced her ability to form key relationships at Goldman.

    "Gymnastics is won in millimeter-level details under pressure, so is working in finance," Lakdawala-Flynn told Business Insider in an email. She said the same is true of her job: the small, precise changes she makes to models, risk assessments, and client meetings can lead to big advantages.

    Athletes have become an important talent and recruiting pool for Goldman Sachs, which hired a former NFL star in 2018 and promoted him to managing director in 2022. Business Insider previously spoke to three former D-1 college athletes who work at Goldman about how their experiences have helped them stand out and get ahead.

    "It is a way to differentiate yourself," Jacqueline Arthur, Goldman's head of human capital management, previously told Business Insider about why athletes are compelling applicants. "These qualities are not just transferable but powerful and directly applicable to the dynamic environment of financial services."

    Those qualities don't just have to come from sports, though.

    Lakdawala-Flynn said that being seriously devoted to any craft can teach the same teamwork and dedication common among many successful people.

    "If you have that amount of passion, curiosity, and dedication, and you rise to become one of the best, it's the same skill sets, whether it's an athlete or not an athlete," she said.

    Landing a job at Goldman isn't easy, especially for Gen Zers who are trying to differentiate themselves in a challenging job market. The firm received more than 360,000 applications for its 2025 summer internship program, and accepted less than 1% of hopefuls.

    Work at Goldman or have a tip? Contact this reporter via email at atecotzky@insider.com or Signal at alicetecotzky.05. Use a personal email address and a nonwork device; here's our guide to sharing information securely.

    Read the original article on Business Insider
  • I lead product strategy at a creative agency. We’re using AI ‘hallucinations’ to come up with ideas for brands.

    leslie walsh episode four
    Leslie Walsh, head of product strategy and development at Episode Four, explains how the agency uses AI 'hallucinations' to come up with creative advertising ideas.

    • Episode Four, an ad agency in New York, created an AI tool called RYA to generate ideas for clients.
    • The agency is leaning into the more nonsensical "hallucinations" to keep the ideas fresh.
    • The tool has helped with ideas for clients in the financial services, auto, and travel sectors.

    This as-told-to essay is based on a conversation with Leslie Walsh, head of product strategy and development at the New York-based advertising agency Episode Four. It has been edited for length and clarity.

    The biggest thing about creativity is that ideas need to feel original and unique. I think everyone in the creative industry fears that if we're all using ChatGPT, we're going to have the same ideas — that we'll get into a sea of sameness. It's a race to the bottom.

    A lot of people come at creative ideas in different ways. We like to say that we come at it from a place of, "Where do my customers actually want to engage?"

    We needed something to base our ideas on, so that clients just didn't say, "Where is this coming from? Is this just something in your crazy brain? Is this something that's actually going to help drive my business?"

    RYA is our creative AI tool. We position it as: radical ideas that are acceptable to your audience, because they're all grounded in data.

    We put together a weekly survey that asks Americans: If you had extra time or money in your day, how would you spend it?

    We serve up 180 genres and 20 different actions, things like "I want to go on a trip" or "I want to go out to eat." And then the genres add a little bit of nuance: "You said you like to go out to eat. What kind of food do you like? You'd like to go on a trip. What kind of traveler are you?" That's where we can really pinpoint passion points.

    With that dataset, we then figured out how to train large language models to be creative and come up with ideas just as if our teams were coming up with ideas on their own — but at a rapid pace. We found that Anthropic's Claude is the best at generating creative ideas, but we use different ones for different things.

    Typically, in an agency project process, you work with the clients, and then you work on the brief. You go back and forth, back and forth. You brief your teams, and then it takes a few weeks to craft those ideas, shape them, and get them to a good place. Then you present to the client, go back, revise, and come back again. That could take six to eight weeks, usually.

    We have streamlined that process down to a couple of days. We like to say we can do it all in one day and, if our clients have time, actually do it in a couple of minutes. It just depends on how much you want to shape and mold the idea.

    It's really helping us get to a good starting place, and it's solving for the bigger picture. It's less of that executional layer that I know a lot of creative tools are in the market right now.

    RYA is not going to help you build a banner ad. RYA is not going to help you put out a social post. RYA will help you come up with a big idea that could then turn into a banner ad or social post.

    Leaning into the 'weird' and 'nonsensical' AI outputs

    We really like to lean into the weird combinations, the nonsensical places, the less obvious places that you might want to start your ideation from, because we believe that that leads to better work.

    The way that you get AI to be a little bit more nonsensical is in your prompting strategy and the way you adjust the temperature settings. There are ways that you can give it guard rails to try to make sure that it's not going to hallucinate in a way that's going to get you in trouble, but hallucinate in a good way. You really need strong inputs. As we say, garbage in, garbage out.

    For a financial services client, we turned financial education into a celebrity chef cooking series. And at a recent financial industry event, we turned product sales materials into custom pressed EDM vinyls.

    For a travel and leisure client, we launched a cruise ship with a global digital treasure hunt that hid Google Maps clues across the web —transforming a product demo into a game.

    For an auto lending company, we created a dating show that matched singles with both a car and a partner.

    Everyone's coming up with different AI tools for different purposes, different verticals, and domain expertise. I'm not an engineer, but I do have a lot of domain expertise in terms of how to think about the best way to brief creatives, to work with clients, to crack a really tough brief, to conduct research, and get interesting insights.

    Then, along with my creative partners, who have much better domain expertise in actually generating ideas, we put all of that input into a large language model so that it can replicate our thinking.

    That is where we're headed. That is what's going to be exciting about this industry. There are opinions out there about whether AI can truly be creative. We believe it can.

    Read the original article on Business Insider
  • I moved from New York City to a small town in the mountains. It’s not as cheap as I expected, but I have no regrets.

    Lydia Warren in the Catskills.
    Lydia Warren in the Catskills.

    • I lived in New York City for seven years before moving to a nearby suburb.
    • Then I moved to a small, rural town in Upstate New York during the COVID-19 pandemic.
    • I've been surprised by some aspects of living here, such as the services, roads, and costs.

    When I moved out of my apartment in Brooklyn, New York, and into a house in a suburb on Long Island, I thought it was for the long haul.

    Then COVID-19 hit.

    Like many others during the pandemic, my husband and I took the time to consider our priorities. For us, that meant leaving our large commuter town outside New York City — and all of its expenses and conveniences — for a small, rural town in the Catskill Mountains, about three hours north.

    We've always loved the Catskills for its outdoor activities, breathtaking landscapes, and quieter way of life. So, in January 2021, we sold our home on Long Island, New York, and relocated.

    The town we left behind had a population of 25,000 people, thousands of homes, busy roadways, a town center with restaurants, bars, and businesses, and a train line that took us straight to Manhattan within 40 minutes.

    Our new town has a population closer to 1,600, excluding the deer, groundhogs, and bears.

    There have been no regrets, but over the past almost five years, there have been a few surprises. Here are 12 things that surprised me after we moved.

    After years of dealing with frustrating traffic, I find it novel that it's completely nonexistent here.
    An empty road in the Catskill Mountains.
    An empty road in the Catskill Mountains.

    Long Island's traffic is infamous. When living there, I would automatically factor in an additional 30 minutes when driving anywhere. And everyone knows driving is the worst way to get across New York City.

    So, when I moved here, it was truly novel to me that I could enter an address into Google Maps, and it would actually take me that long to get there. I am never stuck in traffic, and I never have to factor in extra time.

    Instead, our traffic concerns are a little different. Heavy snow makes traveling by car more precarious, although the snowplows are usually out in force when the first snowflake falls. Driving up the mountain when it's ringed with fog also requires me to take things a little slow.

    Additionally, I need to be much more aware of wildlife on the roads and the dangers we present to each other.

    Something else that's nonexistent: wait times at the doctor's office, post office, or restaurants.
    Line of customers in a post office in New York City in December 2007.
    A line in a New York City post office in December 2007.

    Anyone who's tried to mail anything in New York City knows they have to set aside an hour and a good deal of patience for a visit to the post office.

    Now, I just walk across the street and straight to the counter, where I'm met with warm smiles and quick service. I'm out within minutes.

    Some processes are just much easier when you're contending with fewer people, and I'll never take that for granted.

    Not only are wait times shorter, but the services are far better than I experienced in the city.
    Leaving hospital with our son.
    There was only one other baby born in the hospital the night our son was born.

    In New York City or Long Island, my doctor was always an hour behind. By the time I was finally seen, I'd waited so long I felt forgotten—and the visit itself felt like it lasted only seconds.

    On the other hand, my first medical-care experience here was like I'd seen in the movies — a scenario I'd previously dismissed as fiction. I was seen at my scheduled appointment time, and the doctor sat with me, looked me in the eyes, and discussed my concerns at length. Being treated with respect and patience by a doctor left me taken aback.

    I've since had a child here, and the exceptional care continued throughout my pregnancy. The night I gave birth to my son, only one other child was born in the hospital, meaning there were multiple staff available in what felt like a stress-free environment.

    That's not to say that simply practicing medicine here makes you an exemplary doctor, or that stellar doctors don't exist in the city. However, in my experience, the overwhelming demands of the city's population have had a detrimental impact on my care.

    Despite the smaller population, meeting people and maintaining friendships is much easier.
    Out on a trail with family.
    Out on a trail with family.

    When we left Brooklyn for Long Island, we were drawn to the fact that our new suburban town was populated with people our age. But when we actually moved there, not knowing anyone, it was surprisingly hard to make friends.

    But here in the Catskills, we've been more successful. It's smaller, so we see the same people everywhere: in the coffee shops, on the trails, and at the farmers' markets. We meet new people and discover they know people we know, and it all just feels connected.

    It's also far less transient than somewhere like New York City. People who live here might have done so for generations, and others have moved here with intention. It means people seem more willing to invest time in their neighbors and in the broader community because this is where they plan to stay.

    Additionally, with its long, snowy winters and limited convenience, this lifestyle may not be suitable for everyone. So if you meet someone who lives here too, you know you already have some things in common.

    People really do say hello to everyone they pass on the street.
    Firefighter waving from truck during a parade.
    Everyone says hi in our town.

    While some people might not find this surprising, others might think it's a small-town myth

    However, in my experience, everyone says hello to everyone, even if you don't know them or have never seen them before. I've become friends with many other residents this way.

    It also means I can always tell when someone is visiting from out of town because they don't even try to make eye contact.

    What I find particularly surprising about these interactions is that I love them. One of the things I enjoyed about living in New York City was the anonymity it afforded me. So I thought I would hate people recognizing me or knowing about my life, but the truth is, I love the sense of community and small shows of kindness.

    Absolutely nothing here is convenient, but surprisingly, that's OK.
    Hudson train station in New York.
    My nearest train station is around 45 minutes away.

    Living in New York City means you can get anything practically any time of the day: Bodegas are still open in the early hours of the morning, bars don't close until late, and public transportation keeps ticking around the clock.

    None of that is true here. We barely have public transportation — don't even think about getting an Uber — and it's almost an hour's drive from my house to the train station. The nearest supermarket is a 30-minute journey down the mountain, and I travel an hour to big-box stores to stock up on items like diapers.

    I'm sure this aspect of living here would frustrate some people, but I don't mind it. There are a lot of positives to having less convenience. I turn errands into day trips. I plan meals better. I don't drink alcohol because I need to drive everywhere. I pass epic scenery just to get groceries. And I've gotten through a lot of audiobooks.

    I expected life to be cheaper here, but that's just not the case.
    Cereal for $10 a box in Upstate New York.
    Some groceries are more expensive here, and there are additional costs for some services.

    One factor behind our decision to move was the cost. For example. Now, our property taxes are a fraction of the cost — around a fifth of what they were on Long Island — despite having a larger property. Because of that, I naively thought everything would be cheaper here.

    Still, with all the extra driving, I'm paying much more for gas and car maintenance. Our heating bills are about four times what they were on Long Island. Groceries in local stores can be more expensive because of the limited options and because they have to travel up the mountain. If we're having any service done at our home — getting a lock fixed, for example — we're often charged extra for the distance the technician has to travel.

    Then, we also have expenses we didn't incur in Long Island or the city, such as paying to have our driveway plowed in the winter and paying for trash pickup.

    Plus, with people like me moving here from cities, everything is becoming more expensive for residents who've lived here much longer. We're driving up property prices and causing a housing crisis for the locals and seasonal workers.

    So, while our area was perhaps once considered a cheaper option and affordable for many families, that isn't the case in reality now.

    Some services I took for granted in other places I've lived don't exist here.
    Trash collectors in New York City.
    Trash collectors in New York City.

    One reason our taxes are lower is because they don't cover services I've previously taken for granted, such as trash pickup. (Due to bears, we can't leave trash in cans overnight anyway.) Instead, residents take their trash to a local waste station, paying a couple of dollars per bag to dump it. Recycling is also available for free.

    By comparison, our homes in New York City and its suburbs had robust sanitation departments that many people probably don't think twice about.

    Access to other services can also be limited. We live close enough to our town's main street that we have access to fiber internet, and we're connected to the town's water mains. However, other residents rely on satellite internet, well water, and septic tanks, which require additional maintenance.

    I knew we'd be surrounded by wildlife, but I was surprised by the variety and proximity.
    A groundhog on my deck.
    A groundhog on my deck.

    I grew up in the countryside, but still, I wasn't familiar with many of the wild animals I now regularly see here, such as porcupines, wild turkeys, skunks, snakes, hummingbirds, turkey vultures, and bears.

    My favorites are the chunky groundhogs that waddle about town, and I've become overly invested in a family living in our backyard. The male groundhog has two families — one under the shed and one in the woods — and runs between the two.

    Who needs Netflix when you have this level of drama right in your backyard?

    My wardrobe changed from office- and city-appropriate attire to ice spikes and hiking boots.
    Snowshoeing in the mountains.
    Snowshoeing in the mountains.

    In winter, even the quickest errand in town requires pulling my microspikes over my boots to prevent slipping on the roads or sidewalks.

    With temperatures hovering around 20 degrees Fahrenheit — and as low as -1 degree Fahrenheit — throughout the winter, I also wear two outer layers: a padded jacket underneath a larger coat. We've also invested in snowshoes for cross-country hikes after a heavy snowfall.

    In summer, the weather is dry and hot, and the paths are dusty. I now look at the white sneakers, heeled shoes, and tailored coats in my closet with incredulity, wondering how I ever wore them.

    While people are definitely stylish here, there's far less pressure — or expectation — to dress a particular way. Events are less formal; everyone understands we dress for practical purposes, not fashion.

    When I moved here, I couldn't believe how clear the night sky was.
    Stars across the night sky in the Catskill Mountains.
    The night sky in the Catskill Mountains.

    New York City's pollution prevents much stargazing, and I spent so little time outside in the suburbs that I never noticed the stars there, either.

    However, the night sky here is clear and breathtaking, and the view is uninterrupted by buildings, allowing you to appreciate the vastness.

    There are four distinct seasons, and they're all incredible.
    Autumn and winter in the Catskills.
    Autumn and winter in the Catskills.

    In New York City, there were two seasons: bitterly cold, wet days, or sweaty, swelteringly hot days. Plus, I was rarely around nature, so I never noticed the seasons like I do now.

    Here, every season is distinct. My first fall felt like I was experiencing fall for the first time. I'd never seen such vibrant colors for such a prolonged period.

    Our winter is more extreme than in the city — we get multiple snowstorms each season, and the icicles are taller than me — and it lasts longer, too. But summer is gentler. It's hot but not unbearable, and none of it needs to be spent inside a subway car.

    Nearly five years later, none of the surprises have made me regret our decision to live here.
    Kaaterskill Falls, New York.
    Kaaterskill Falls, New York.

    Other millennials who fled big cities during the pandemic have expressed regret over their decisions, but that has not been my experience.

    I will never take it for granted that I wake up to views of towering mountains every day or have access to epic hikes just five minutes away. I love the seasons, the services, the people, and the stillness.

    When I lived in the city and suburbs, I yearned to return to the countryside, and now that it has happened, I have no regrets.

    Read the original article on Business Insider
  • How CEOs are using AI in their daily lives

    Preview of Sam Altman, Tim Cook, and Satya Nadella
    CEOs are using AI to research topics and summarize emails.

    • CEOs are integrating AI into their personal and professional lives.
    • Nvidia's Jensen Huang uses AI as a tutor, while Apple's Tim Cook organizes emails with the tech.
    • The AI market is projected to hit $4.8 trillion by 2033.

    It seems like artificial intelligence is everywhere these days. CEOs seem to like it that way.

    The technology continues to impact numerous sectors across the global market, including education, healthcare, and entertainment. By 2030, AI could contribute around $15.7 trillion to the global economy by 2030, according to consulting firm PwC.

    From Jensen Huang to Tim Cook, here's how seven CEOs are integrating AI into their daily lives.

    Microsoft's Satya Nadella
    Satya Nadella onstage wearing a navy blue sweater with his hands clasped
    Mustafa Suleyman will report directly to Satya Nadella

    Microsoft has invested heavily in AI, including introducing its Copilot assistant in 2023, inking a $13 billion partnership with OpenAI in 2024, and creating teams dedicated to developing the tech.

    CEO Satya Nadella, who took charge of the company in 2014, previously discussed how recent developments in AI will change workflows and humans' cognitive labor. For Nadella, AI has become a necessary part of his life, both in and out of the office, according to Bloomberg.

    During an interview published in May, Nadella said he enjoys podcasts but doesn't listen to them. Instead, he uploads the transcripts of podcasts to the Copilot app on his phone so he can discuss the content with a voice assistant during his commute.

    When he reaches Microsoft's headquarters in Washington State, Nadella uses Copilot to summarize his Outlook and Teams messages. He utilizes at least 10 custom agents from Copilot Studio to help with meeting prep and research.

    "I'm an email typist," Nadella told the outlet.

    OpenAI's Sam Altman
    OpenAI CEO Sam Altman
    OpenAI CEO Sam Altman at Trump's inauguration.

    Sam Altman, the CEO of OpenAI, has become one of Silicon Valley's most prominent tech giants thanks to OpenAI's premier product, ChatGPT.

    The company launched a chatbot demo in 2022, and it quickly went viral on social media as people inquired about everything from diets to recipes. Over the last three years, OpenAI has shared more advanced GPT programs with users and is working to expand its global reach despite competition from Chinese tech companies like DeepSeek.

    This January, President Donald Trump announced a $500 billion private-sector investment in AI infrastructure called Stargate. OpenAI was among the companies asked to help with that project.

    So, it's unsurprising that Altman uses AI to streamline tasks his his personal life. Altman appeared on Adam Grant's "ReThinking" podcast this January, saying, "Honestly, I use it in the boring ways."

    Altman said the AI bots help him process emails or summarize documents. The tech has also helped him with fatherhood.

    During an OpenAI podcast interview published in June, Altman said he used AI "constantly" after welcoming his first child in February.

    "Clearly, people have been able to take care of babies without ChatGPT for a long time," Altman said. "I don't know how I would have done that."

    Now, Altman said he mostly uses ChatGPT to research developmental stages.

    Nvidia's Jensen Huang
    Nvidia's CEO, Jensen Huang, showing off products from the tech company.
    Nvidia's CEO, Jensen Huang, showing off products from the tech company.

    Another major player on the global tech scene is Jensen Huang, Nvidia's CEO. The California-based company is one of the most valuable in the world, with a market value of over $3 trillion, according to Google Finance. The company is focused on designing and manufacturing hardware, including chips and graphical processing units to assist AI.

    During the 28th annual Milken Institute Global Conference in May, Huang told the audience he uses AI programs to learn new concepts.

    "I use it as a tutor every day," Huang said. "In areas that are fairly new to me, I might say, 'Start by explaining it to me like I'm a 12-year-old,' and then work your way up into a doctorate-level over time."

    AI's ability to rapidly collect, analyze, and communicate information could close the tech gap, according to Huang.

    "In this room, it's very unlikely that more than a handful of people know how to program with C++," Huang said. "Yet 100% of you know how to program an AI, and the reason for that is because the AI will speak whatever language you wanted to speak."

    In a 2024 interview with Wired, Huang said he uses Perplexity and ChatGPT "almost every day" for research.

    "For example, computer-aided drug discovery. Maybe you would like to know about the recent advancements in computer-aided drug discovery," Huanng said. "And so you want to frame the overall topic so that you could have a framework, and from that framework, you could ask more and more specific questions. I really love that about these large language models."

    Apple's Tim Cook
    Tim Cook at the 81st Venice International Film Festival in Venice, Italy.
    Tim Cook attends a red carpet event for an Apple TV show.

    Apple is navigating the global AI market under CEO Tim Cook, who announced Apple Intelligence — a generative AI system — at the company's Worldwide Developers Conference in 2024. He also unveiled a slew of other AI-based features at the time, including the Image Playground and the ability to remove unwanted background details from photos.

    Cook, who became CEO in 2011, publicly spoke about how he uses AI day-to-day in a 2024 interview with The Wall Street Journal. He said Apple Intelligence helps him summarize long emails.

    "If I can save time here and there, it adds up to something significant across a day, a week, a month," Cook told the outlet. "It's changed my life," he says. "It really has."

    One year earlier, Cook appeared on "Good Morning America" and said he was "excited" about developments in AI.

    "I think there's some unique applications for it and you can bet that it's something that we're looking at closely," Cook said.

    Zillow's Jeremy Wacksman
    Zillow logo

    Real estate tech companies like Zillow are also leaning into AI. The company announced in 2023 that it implemented an "AI-powered natural-language search" to help users navigate the website.

    CEO Jeremy Wacksman, like the other executives, has begun using AI to be more efficient.

    "I spend a lot of time either catching up on meetings I've missed or on asynchronous documentation," Wacksman told The New York Times Dealbook. "You can tell ChatGPT, 'Treat me like my role. Here's all this data — summarize it for me the way I would need to know going forward,' and you can get a personalized summary. That's just — that's far more valuable to me than to try to read a transcript at one-and-a-half speed or watch a video at one-and-a-half speed."

    Wacksman added that he wants Zillow staffers to experiment with the technology.

    "We've had what we call 'AI days,' where we showcase work and celebrate examples," Wacksman said. "We've also started weaving it into our bigger meetings, like product reviews: When a product manager-design-engineering team is prototyping, oftentimes, they're now using an AI tool called Replit. They're prototyping really quickly to get something in front of a user."

    Coinbase's Brian Armstrong
    brian armstrong coinbase
    Coinbase Founder and CEO Brian Armstrong attends Consensus 2019 at the Hilton Midtown on May 15, 2019 in New York City.

    Like many other companies, Coinbase has recently sought to expand its operations using AI. The cryptocurrency exchange acquired Agara, an AI support platform, in 2021 to expand its customer experience tools. Nearly three years later, CEO Brian Armstrong said in an X post that his development team witnessed their first "AI to AI crypto transaction."

    "What did one AI buy from another? Tokens! Not crypto tokens, but AI tokens (words basically from one LLM to another). They used tokens to buy tokens," Armstrong said.

    Coinbase partnered with Perplexity AI to give traders access to real-time crypto data, CEO Brian Armstrong said in an X post this July.

    "Perplexity is now ingesting our market data, including COIN50, and using it to power market analysis," Armstrong said.

    Armstrong, who cofounded Coinbase in 2012, said he was enthusiastic about the tech during a "Cheeky Pint" podcast episode published in August 2025.

    "Even as CEO, by the way, I use it a lot," Armstrong said, adding that he and the Coinbase team are testing the limits of decision-making in AI.

    "We use a decision-making process called RAPIDS, and everyone writes their input," Armstrong said. "We have a row now for AI that writes its input in as one of the people that help make decisions. We're testing the limits of it. Like, when can it actually start to be the decision-maker on some things and do better than humans?"

    During the same interview, Armstrong said he fired Coinbase employees who hadn't adopted AI into their workflow before a given deadline.

    "Some of them had a good reason because they were just getting back from a trip or something," Armstrong said. "Some of them didn't, and they got fired."

    LinkedIn's Ryan Roslanksy
    Linkedin CEO Ryan Roslansky in 2025.

    LinkedIn has followed in the footsteps of its parent company, Microsoft, by integrating AI into its platform, including an AI-powered coaching tool that provides professionals with tips and resources. In November 2025, the company announced that premium subscribers gained access to an AI-powered people search.

    During a fireside chat at the company's San Francisco office in October 2025, CEO Ryan Roslanksy said using AI to complete tasks is like "having a second brain." One way he uses AI in his daily life is drafting "high-stakes emails" to executives, including Microsoft CEO Satya Nadella.

    "A lot of the time when I'm sending a super high-stakes email to Satya Nadella or other CEOs or world leaders or etcetera, you've got to make sure you sound super smart when you do that. I would say that without a doubt, almost every email that I send these days is being sent with the help of Copilot," Rolansky, referring to Microsoft's AI assistant, said.

    However, Rolansky said AI doesn't write the entirety of emails. Instead, the tech guides him through a step-by-step process to determine the end result.

    "Historically, there'd be a button that said, 'Draft the reply for me.' And it would just try to draft the reply," Rolansky said. "The problem is that you're actually asking AI to make tons of decisions for you when you ask it to blindly reply to an email."

    Eli Lilly's David Ricks
    David Ricks

    Eli Lilly, a pharmaceutical company, is one of many in healthcare learning how to use AI.

    In September 2025, the company announced it's creating an AI-powered platform designed to give five biotech companies access to drug discovery models. Eli Lilly, in October 2025, said the supercomputer it is building with Nvidia could take AI to the next level.

    "Our supercomputer will be the most powerful in the pharmaceutical industry and enable AI-based research at a scale previously thought impossible," a press release said. "It has the potential to expand our ability to discover, develop and distribute new medicines faster."

    During an episode of the "Cheeky Pint" podcast published in November 2025, CEO David Ricks said he finds the technology quite helpful for meetings.

    "I read a lot of medical journals. I go to conferences where data is presented," Ricks said. "I spend time with our scientists to stay curious. Yeah, now I have at least one or two AIs running every minute of every meeting I'm in, and I just am asking science questions."

    When it comes to AI, Ricks said he prefers to use Anthropic's Claude or xAI's Grok rather than OpenAI's ChatGPT.

    Read the original article on Business Insider