Segment 1: Steven Esposito, President of Yellowstone Wealth Management in Lake Forest, talks to John about the market broadening, why there is a negative perception of the economy despite it being healthy, and if he believes the Fed will continue to cut rates.

Segment 2: Bree Fowler, Senior Writer, CNET, joins John Williams to talk about Meta unveiling updates to the company’s virtual reality headset and Ray Ban smart glasses, government scientists and artificial intelligence experts from at least nine countries and the EU meeting in San Francisco after the U.S. elections to coordinate on safely developing AI technology, and X releasing its first transparency report since Elon Musk’s takeover.

Segment 3: Emily Stewart, Senior Correspondent, Business Insider, tells John how credit scores have become a weapon of mass seduction.

Segment 4: Pam Vieau and Marcy Goetz, Mother/Daughter team at Happy by Chocolate, tell John how they got into the chocolate business, when the hobby turned into a business, how they come up with the recipes, and to recommend some of their best-selling chocolates.