💥 AI Winners, Our Silent Debt Crisis, and What's Next.

Economists issued a massive warning, household debt is surging, and the market is splitting in two. Here's what to do.

In 1969, Warren Buffett did something almost nobody in finance has the discipline to do. He quit while he was winning. After crushing the market for more than a decade, he closed his investment partnership and returned his investors’ money, explaining that prices had gotten so high he couldn’t find anything worth buying. People thought he’d lost his edge. Then the market collapsed in 1973 and 1974, falling roughly 50%, and Buffett came back and bought the bargains that made him the Buffett everyone knows today.

The lesson from 1969 is that the smartest money rarely rings a bell at the top. It just quietly steps back.

This year, the quiet stepping back is measurable.

Corporate insiders sold $77.6 billion of their own companies’ stock in six months, an 11-to-1 ratio of selling to buying and the fastest pace in about 20 years. At the same time, everyday investors bought a record $1 trillion of ETFs, and the Fear & Greed Index dropped to 37. The people who see their companies’ numbers first …