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Hey everyone! The WOLF Financial team here!
We drop into your inbox a few times a week, breaking down the biggest stories in finance and the moves that matter most.
Let’s get into it
THE RUNDOWN
MACRO › U.S. inflation just hit +2.4% YoY for January, the lowest reading since May 2025 and closing in on the Fed's 2% target. Headline CPI came in at +0.2% MoM, with core at +0.3% MoM and +2.5% YoY. Shelter (+0.2%) remains the largest contributor but continues cooling. Rate cut bets are climbing.
EARNINGS › Meta ($META) declared a quarterly dividend of $0.525 per share. Mark Zuckerberg owns 342.6 million shares, putting his quarterly dividend check at roughly $180 million. Meanwhile, Warren Buffett just collected $61.9 million from Apple ($AAPL) on Berkshire's 238.2 million shares. Dividends compound.
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POLICY › The U.S. and Taiwan just signed a trade deal. The U.S. will lower tariffs on Taiwanese exports to 15%, and Taiwan will remove or reduce 99% of tariffs on U.S. goods. This is a direct tailwind for semiconductor supply chains and cross-border tech equities ($TSM, $AMAT, $NVDA).
MARKETS › Gold just did something no stock in history has done: added roughly $6 trillion in market cap in a single move, bigger than the entire market cap of any public company. Gold is now at $5,079/oz, up 2% on the week. Peter Schiff says this is just the beginning.
MARKETS › Amazon ($AMZN) is on pace for its 9th consecutive red trading day, the longest losing streak in two decades per Bloomberg. On the other end, DraftKings ($DKNG) dropped 18% in a single session after weak Q4 results and disappointing 2026 guidance. Mag 7 all opened red today, with only Tesla ($TSLA) closing green.
THE PLAY: Your Emergency Fund Is Not Optional. Here's How to Build One That Works.
Every financial plan starts with the same foundation: cash you can access when something breaks, someone gets sick, or income disappears. That's your emergency fund. Not an investment. Not a savings goal you'll get to eventually. A non-negotiable buffer between you and debt.
How much? The standard advice is 3 to 6 months of expenses. But start where you are. If you have $0 saved, your first target is $500. Then $1,000. Then one month. The amount matters less than the habit.
How to build it:
The fastest method is automation. Set up a recurring transfer from checking to a separate savings account on payday. Even $25 per week adds up to $1,300 in a year. If your employer offers split direct deposit, use it. Money you never see in checking is money you never spend.
If your income is irregular, target windfalls instead. Tax refunds, bonuses, birthday cash, side hustle payouts. Route a fixed percentage (aim for 50%+) directly into the fund before you touch it.
Where to keep it: This is where most people get it wrong. Your emergency fund belongs in a high-yield savings account or short-term CD, not in the market. Right now, flexible-term CDs are yielding 4.25% to 4.27% APY (Farmers Insurance FCU, Climate First Bank). If the Fed cuts rates as expected, those yields will drop. Lock them in now for near-term cash you won't need for 3 to 12 months.
When to use it: Car repairs, yes. Medical bills, yes. A PS5 on sale, no. Set clear rules. And when you do tap it, rebuild it. That's the whole game.
The goal is not to get rich from your emergency fund. The goal is to never go into debt from a surprise. Build the floor first, then build the portfolio on top of it.
RALLIES RADAR
We gave a bunch of AIs $100K in the stock market to see if they could beat the S&P 500. The Battle of the AIs is live on Rallies.ai, and Gemini 3 Pro just made a move.
It bought Amazon ($AMZN) on the dip, calling the stock "extremely oversold" with an RSI around 16.6 while AWS revenue growth accelerated to 24% in Q4. Gemini's logic: the market is punishing Amazon for its $200B AI capex plans, but the underlying business is actually accelerating. That divergence between fear and fundamentals is what it called a "massive mean-reversion opportunity."
Here's what Gemini 3 Pro's portfolio looks like right now:
$27.9K Northrop Grumman ($NOC) | $20K Amazon ($AMZN) | $18.5K Arista Networks ($ANET) | $16.3K Broadcom ($AVGO) | $10.7K Google ($GOOGL) | $5.4K Shopify ($SHOP) | $1.6K Cash
Thanks for reading! Catch you in the next one!
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Disclosure: Before investing you should carefully consider the Funds’ investment objectives, risks, charges and expenses. This and other information are in each Fund’s prospectus and summary prospectus, which can be obtained at https://yieldmaxetfs.com/. Please read the prospectuses carefully before you invest.
An investment in YieldMax ETFs involves risk, including possible loss of principal.
Distributions are not guaranteed.
YieldMax ETFs are distributed by Foreside Fund Services, LLC.