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   Daily Brew // Morning Brew // Update
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     What to know about those Black Friday deals...
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             November 28, 2025
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              Presented By
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               Good morning.
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              While some may still be sleeping off the tryptophan, others have been up for hours, poised to get their hands on that perfect Black Friday purchase. So, in the spirit of the day, as the first of this weekend’s special editions, we’re taking a look at the art of the discount—both when it’s worth it to shop sales and when it’s not. Either way, we wish anyone contending with a mall parking lot today the best of luck.
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      <!-- MARKETS -->
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              <h3 style="color:#1c7ff2;margin-top:0;margin-bottom:0;font-family:Helvetica,Arial,sans-serif;font-size:16px;font-weight:700">
               MARKETS: YEAR-TO-DATE
              </h3>
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                <td align="center" class="markets-arrow-cell" style="text-align:center;width:12%;line-height:1em" valign="middle">
                 <img alt="" class="markets-arrow" src="https://inboxflows.com/_/image/https%253A%252F%252Fcdn.sanity.io%252Fimages%252Fbl383u0v%252Fproduction%252F6097ec1c26b17401a61bfbfe4440c75ebfea1886-44x39.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiIsInRpbWUiOjE3NjQzMjE4NjkuNjIwNzk5fQ:1vOuiL:4dtqd7z59JJDCT403zltxGU4vuq4Gi9KWoh3EDEXbmg" style="width:22%" width="20"/>
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                  Nasdaq
                 </p>
                </td>
                <td class="markets-value-cell" style="width:34%" valign="middle">
                 <p class="pad0 mar0 markets-table-text" style="white-space:nowrap;vertical-align:middle;text-align:left;margin:0;padding:0;font-size:16px;font-weight:700;line-height:1em">
                  23,214.69
                 </p>
                </td>
                <td class="markets-bubble-cell" style="width:20%;padding-top:8px;padding-bottom:8px" valign="middle">
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                     +20.22%
                    </p>
                   </td>
                  </tr>
                 </table>
                </td>
               </tr>
              </table>
             </td>
            </tr>
            <!-- END Nasdaq -->
            <!-- S&P -->
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                <td align="center" class="markets-arrow-cell" style="text-align:center;width:12%;line-height:1em" valign="middle">
                 <img alt="" class="markets-arrow" src="https://inboxflows.com/_/image/https%253A%252F%252Fcdn.sanity.io%252Fimages%252Fbl383u0v%252Fproduction%252F6097ec1c26b17401a61bfbfe4440c75ebfea1886-44x39.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiIsInRpbWUiOjE3NjQzMjE4NjkuNjIwODkwNH0:1vOuiL:waRqy0vFuChILnbausQtICSUn65nBy8MRUz8RXV-UyI" style="width:22%" width="20"/>
                </td>
                <td class="markets-ticker-cell" style="width:34%" valign="middle">
                 <p class="pad0 mar0 markets-table-text" style="white-space:nowrap;vertical-align:middle;text-align:left;margin:0;padding:0;font-size:16px;font-weight:700;line-height:1em">
                  S&amp;P
                 </p>
                </td>
                <td class="markets-value-cell" style="width:34%" valign="middle">
                 <p class="pad0 mar0 markets-table-text" style="white-space:nowrap;vertical-align:middle;text-align:left;margin:0;padding:0;font-size:16px;font-weight:700;line-height:1em">
                  6,812.61
                 </p>
                </td>
                <td class="markets-bubble-cell" style="width:20%;padding-top:8px;padding-bottom:8px" valign="middle">
                 <table border="0" cellpadding="0" cellspacing="0" class="markets-bubble" role="presentation" style="border-collapse:collapse;border-collapse:collapse;width:70%;margin:0 auto">
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                   <td style="background-color:#28d31a4d;border-radius:8px;padding:10px 8px" valign="middle">
                    <p class="pad0 mar0 markets-table-text" style="white-space:nowrap;vertical-align:middle;text-align:center;margin:0;padding:0;font-size:16px;font-weight:700;line-height:1em">
                     +15.83%
                    </p>
                   </td>
                  </tr>
                 </table>
                </td>
               </tr>
              </table>
             </td>
            </tr>
            <!-- END S&P -->
            <!-- Dow -->
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               <tr>
                <td align="center" class="markets-arrow-cell" style="text-align:center;width:12%;line-height:1em" valign="middle">
                 <img alt="" class="markets-arrow" src="https://inboxflows.com/_/image/https%253A%252F%252Fcdn.sanity.io%252Fimages%252Fbl383u0v%252Fproduction%252F6097ec1c26b17401a61bfbfe4440c75ebfea1886-44x39.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiIsInRpbWUiOjE3NjQzMjE4NjkuNjIwOTh9:1vOuiL:0BkukA7C1-Hrd79QMBVnD9Xt97ohx2cVj2gfa-PuDR4" style="width:22%" width="20"/>
                </td>
                <td class="markets-ticker-cell" style="width:34%" valign="middle">
                 <p class="pad0 mar0 markets-table-text" style="white-space:nowrap;vertical-align:middle;text-align:left;margin:0;padding:0;font-size:16px;font-weight:700;line-height:1em">
                  Dow
                 </p>
                </td>
                <td class="markets-value-cell" style="width:34%" valign="middle">
                 <p class="pad0 mar0 markets-table-text" style="white-space:nowrap;vertical-align:middle;text-align:left;margin:0;padding:0;font-size:16px;font-weight:700;line-height:1em">
                  47,427.12
                 </p>
                </td>
                <td class="markets-bubble-cell" style="width:20%;padding-top:8px;padding-bottom:8px" valign="middle">
                 <table border="0" cellpadding="0" cellspacing="0" class="markets-bubble" role="presentation" style="border-collapse:collapse;border-collapse:collapse;width:70%;margin:0 auto">
                  <tr>
                   <td style="background-color:#28d31a4d;border-radius:8px;padding:10px 8px" valign="middle">
                    <p class="pad0 mar0 markets-table-text" style="white-space:nowrap;vertical-align:middle;text-align:center;margin:0;padding:0;font-size:16px;font-weight:700;line-height:1em">
                     +11.48%
                    </p>
                   </td>
                  </tr>
                 </table>
                </td>
               </tr>
              </table>
             </td>
            </tr>
            <!-- END Dow -->
            <!-- 10-Year -->
            <tr>
             <td class="pads10 pads6m lastline" style="text-align:center;mso-padding-alt:0 20px 0 20px;border-top:1px solid #e6e6e6;border-bottom:1px solid #e6e6e6;padding-bottom:0">
              <table border="0" cellpadding="0" cellspacing="0" role="presentation" style="border-collapse:collapse;border-collapse:collapse" width="100%">
               <tr>
                <td align="center" class="markets-arrow-cell" style="text-align:center;width:12%;line-height:1em" valign="middle">
                 <img alt="" class="markets-arrow" src="https://inboxflows.com/_/image/https%253A%252F%252Fcdn.sanity.io%252Fimages%252Fbl383u0v%252Fproduction%252Fe4a85d043f857cc8adaca9d546c099f6d7db37ba-44x39.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiIsInRpbWUiOjE3NjQzMjE4NjkuNjIxMDcwNn0:1vOuiL:Hk8TSAf6xLZtrYWt8w8ejZdHowoxgmeXHUfrtq_wygY" style="width:22%" width="20"/>
                </td>
                <td class="markets-ticker-cell" style="width:34%" valign="middle">
                 <p class="pad0 mar0 markets-table-text" style="white-space:nowrap;vertical-align:middle;text-align:left;margin:0;padding:0;font-size:16px;font-weight:700;line-height:1em">
                  10-Year
                 </p>
                </td>
                <td class="markets-value-cell" style="width:34%" valign="middle">
                 <p class="pad0 mar0 markets-table-text" style="white-space:nowrap;vertical-align:middle;text-align:left;margin:0;padding:0;font-size:16px;font-weight:700;line-height:1em">
                  3.998%
                 </p>
                </td>
                <td class="markets-bubble-cell" style="width:20%;padding-top:8px;padding-bottom:8px" valign="middle">
                 <table border="0" cellpadding="0" cellspacing="0" class="markets-bubble" role="presentation" style="border-collapse:collapse;border-collapse:collapse;width:70%;margin:0 auto">
                  <tr>
                   <td style="background-color:#ff03034d;border-radius:8px;padding:10px 8px" valign="middle">
                    <p class="pad0 mar0 markets-table-text" style="white-space:nowrap;vertical-align:middle;text-align:center;margin:0;padding:0;font-size:16px;font-weight:700;line-height:1em">
                     -57.5 bps
                    </p>
                   </td>
                  </tr>
                 </table>
                </td>
               </tr>
              </table>
             </td>
            </tr>
            <!-- END 10-Year -->
            <!-- Bitcoin -->
            <tr>
             <td class="pads10 pads6m lastline" style="text-align:center;mso-padding-alt:0 20px 0 20px;border-top:1px solid #e6e6e6;border-bottom:1px solid #e6e6e6;padding-bottom:0">
              <table border="0" cellpadding="0" cellspacing="0" role="presentation" style="border-collapse:collapse;border-collapse:collapse" width="100%">
               <tr>
                <td align="center" class="markets-arrow-cell" style="text-align:center;width:12%;line-height:1em" valign="middle">
                 <img alt="" class="markets-arrow" src="https://inboxflows.com/_/image/https%253A%252F%252Fcdn.sanity.io%252Fimages%252Fbl383u0v%252Fproduction%252Fe4a85d043f857cc8adaca9d546c099f6d7db37ba-44x39.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiIsInRpbWUiOjE3NjQzMjE4NjkuNjIxMTYwN30:1vOuiL:z9TouyYT4D12OZ4IDdlTN_jtKbdeHWeohfq9AnOy6H8" style="width:22%" width="20"/>
                </td>
                <td class="markets-ticker-cell" style="width:34%" valign="middle">
                 <p class="pad0 mar0 markets-table-text" style="white-space:nowrap;vertical-align:middle;text-align:left;margin:0;padding:0;font-size:16px;font-weight:700;line-height:1em">
                  Bitcoin
                 </p>
                </td>
                <td class="markets-value-cell" style="width:34%" valign="middle">
                 <p class="pad0 mar0 markets-table-text" style="white-space:nowrap;vertical-align:middle;text-align:left;margin:0;padding:0;font-size:16px;font-weight:700;line-height:1em">
                  $89,856.66
                 </p>
                </td>
                <td class="markets-bubble-cell" style="width:20%;padding-top:8px;padding-bottom:8px" valign="middle">
                 <table border="0" cellpadding="0" cellspacing="0" class="markets-bubble" role="presentation" style="border-collapse:collapse;border-collapse:collapse;width:70%;margin:0 auto">
                  <tr>
                   <td style="background-color:#ff03034d;border-radius:8px;padding:10px 8px" valign="middle">
                    <p class="pad0 mar0 markets-table-text" style="white-space:nowrap;vertical-align:middle;text-align:center;margin:0;padding:0;font-size:16px;font-weight:700;line-height:1em">
                     -3.82%
                    </p>
                   </td>
                  </tr>
                 </table>
                </td>
               </tr>
              </table>
             </td>
            </tr>
            <!-- END Bitcoin -->
            <!-- MongoDB -->
            <tr>
             <td class="pads10 pads6m lastline" style="text-align:center;mso-padding-alt:0 20px 0 20px;border-top:1px solid #e6e6e6;border-bottom:1px solid #e6e6e6;padding-bottom:0">
              <table border="0" cellpadding="0" cellspacing="0" role="presentation" style="border-collapse:collapse;border-collapse:collapse" width="100%">
               <tr>
                <td align="center" class="markets-arrow-cell" style="text-align:center;width:12%;line-height:1em" valign="middle">
                 <img alt="" class="markets-arrow" src="https://inboxflows.com/_/image/https%253A%252F%252Fcdn.sanity.io%252Fimages%252Fbl383u0v%252Fproduction%252F6097ec1c26b17401a61bfbfe4440c75ebfea1886-44x39.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiIsInRpbWUiOjE3NjQzMjE4NjkuNjIxMjQ5N30:1vOuiL:prmV3DYXlvEc9hgpFZNBcYXiFQ-LvA1LBBZJTr44Gfg" style="width:22%" width="20"/>
                </td>
                <td class="markets-ticker-cell" style="width:34%" valign="middle">
                 <p class="pad0 mar0 markets-table-text" style="white-space:nowrap;vertical-align:middle;text-align:left;margin:0;padding:0;font-size:16px;font-weight:700;line-height:1em">
                  MongoDB
                 </p>
                </td>
                <td class="markets-value-cell" style="width:34%" valign="middle">
                 <p class="pad0 mar0 markets-table-text" style="white-space:nowrap;vertical-align:middle;text-align:left;margin:0;padding:0;font-size:16px;font-weight:700;line-height:1em">
                  $326.27
                 </p>
                </td>
                <td class="markets-bubble-cell" style="width:20%;padding-top:8px;padding-bottom:8px" valign="middle">
                 <table border="0" cellpadding="0" cellspacing="0" class="markets-bubble" role="presentation" style="border-collapse:collapse;border-collapse:collapse;width:70%;margin:0 auto">
                  <tr>
                   <td style="background-color:#28d31a4d;border-radius:8px;padding:10px 8px" valign="middle">
                    <p class="pad0 mar0 markets-table-text" style="white-space:nowrap;vertical-align:middle;text-align:center;margin:0;padding:0;font-size:16px;font-weight:700;line-height:1em">
                     +40.14%
                    </p>
                   </td>
                  </tr>
                 </table>
                </td>
               </tr>
              </table>
             </td>
            </tr>
            <!-- END MongoDB -->
            <!-- START REGULAR TEXT -->
            <tr>
             <td style="padding:3px 15px 10px">
              <table border="0" cellpadding="0" cellspacing="0" style="border-collapse:collapse;border-collapse:collapse;font-size:13px">
               <tr>
                <td style="padding-right:4px">
                 Data is provided by
                </td>
                <td style="margin:0;padding-right:5px">
                 <a style="display:block" target="_blank">
                  <img height="16px" src="https://inboxflows.com/_/image/https%253A%252F%252Fcdn.sanity.io%252Fimages%252Fbl383u0v%252Fproduction%252F61a0dac0b53d6766459afdca784ae8fe604f17ed-720x102.png%253Fh%253D32%2526q%253D100%2526auto%253Dformat/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiIsInRpbWUiOjE3NjQzMjE4NjkuNjIxMzQ1OH0:1vOuiL:agnzUceqRFWhRtaCn4Tkju6o5D8S_yCuZ9miY-1kPwM" style="vertical-align:middle;height:16px;display:inline"/>
                 </a>
                </td>
               </tr>
              </table>
              <p style="text-align:left;margin:0;padding:0;font-size:13px;line-height:22px">
               *Stock data as of market close, cryptocurrency data as of 4:00pm ET.
               <a class="link-sm" rel="noopener" style="color:#333;border-bottom:1px solid #1c7ff2;text-decoration:none" target="_blank">
                Here's what these numbers mean.
               </a>
              </p>
             </td>
            </tr>
            <!-- END REGULAR TEXT -->
            <tr>
             <td style="mso-padding-alt:0px 15px 15px 15px;padding:0 15px">
              <ul style="margin-top:0;padding-left:30px">
               <li style="margin-bottom:10px;line-height:22px">
                <span>
                 <strong style="color:#000">
                  Markets:
                 </strong>
                </span>
                <span>
                 The stock market was closed yesterday to give bankers time to have spirited debates over the relative merits of canned versus homemade cranberry sauce. It’s open today, but closes at 1pm, so there won’t be as much time as usual to contemplate whether AI is a bubble and whether JPow is headed toward another rate cut. It’ll be back to business as usual on Monday with database company MongoDB reporting earnings.
                </span>
               </li>
              </ul>
              <div style="display:none">
              </div>
             </td>
            </tr>
            <tr>
             <td style="mso-padding-alt:0px 20px 15px 20px;padding:0 20px">
              <div style="background-color:#e8e8e8;margin-top:0;margin-bottom:15px;padding:15px;line-height:22px">
               <p style="margin-top:0;margin-bottom:0;line-height:22px">
                <strong style="color:#1c7ff2;font-size:16px">
                 Markets Sponsored by U.S. Bank Split™ World Mastercard®
                </strong>
               </p>
               <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                The U.S. Bank Split™ World Mastercard® is a new type of card that lets you pay later on every purchase.
                <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                 Learn more
                </a>
                .
               </p>
              </div>
             </td>
            </tr>
           </table>
          </th>
         </tr>
        </table>
        <!--[if !mso ]><! -- -->
       </div>
      </div>
      <!-- <![endif]-->
      <!-- END MARKETS -->
      <!-- STORY ARTICLE -->
      <!--[if !mso ]><! -- -->
      <div class="c6" style="margin-bottom:7px">
       <!-- <![endif]-->
       <table border="0" cellpadding="0" cellspacing="0" class="story-container" style="border-collapse:collapse" width="100%">
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          <div class="tag-container" style="padding:15px 15px 0">
           <h3 style="color:#1c7ff2;margin-top:0;margin-bottom:0;font-family:Helvetica,Arial,sans-serif;font-size:16px;font-weight:700">
            RETAIL
           </h3>
          </div>
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           <tr>
            <td class="story-content">
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               <h1 class="story-title" style="color:#000;margin-top:8px;margin-bottom:0;font-family:Helvetica,Arial,sans-serif;font-size:24px;font-weight:700;line-height:26px">
                <a style="color:#000;border-bottom:none;text-decoration:none" target="_blank">
                 You’re probably not saving 60%
                </a>
               </h1>
              </div>
             </table>
             <div class="header-image-container" style="padding-top:15px">
              <a style="border:none;text-decoration:none" target="_blank">
               <img alt="A price tag reading '$59.99'. Stickers indicate there is no discount on the item" src="https://inboxflows.com/_/image/https%253A%252F%252Fmorningbrew.com%252Fcdn-cgi%252Fimage%252Fwidth%253D1336%252Cformat%253Dauto%252Fhttps%253A%252F%252Fstorage.morningbrew.com%252Fimage%252F2025-11-04%252Fimage-b1f919ea3af1dfda0bc3d99711697ee262ae9f39-1500x1000-png%252FRTB_DiscountGap_AK_DeepDive_251104_v1.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZtb3JuaW5nYnJldyIsInRpbWUiOjE3NjQzMjE4NjkuNjIxNDUxNn0:1vOuiL:hEnKL4NFn4mktxBllYWNsrziJOs1TLOqce8HN4lfAuk" style="width:100%;max-width:670px;display:block" width="670"/>
              </a>
              <p style="margin:0;padding:0;line-height:22px">
               <span class="source" style="margin-top:5px;margin-bottom:0;padding-left:10px;line-height:14px;display:inline-block">
                <small>
                 <em>
                  Amelia Kinsinger
                 </em>
                </small>
               </span>
              </p>
             </div>
             <table border="0" cellpadding="0" cellspacing="0" style="border-collapse:collapse" width="100%">
              <tr>
               <td class="content-container" style="padding:15px 15px 0">
                <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                 Camping out for a heavily discounted flat-screen TV on Black Friday feels like the stuff of ancient legend these days. Most shopping is now done online, and deals that used to be reserved for one day have been stretched to cover the weeks before Thanksgiving—if not most of November. Plus, some “discounts” aren’t what they appear to be.
                </p>
                <h2 style="color:#000;margin:0 0 15px;font-family:Helvetica,Arial,sans-serif;font-size:19px;font-weight:700">
                 Signs can be misleading
                </h2>
                <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                 Most items marked as “on sale” include an original or list price to show you just how much you’re saving—but retailers can artificially inflate these “original” prices or mark down goods for months to give the illusion of a sale.
                </p>
                <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                 <strong style="color:#000">
                  Buyer beware:
                 </strong>
                 The Washington Post’s Geoffrey A. Fowler
                 <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                  compared
                 </a>
                 the prices of 50 items he previously purchased on Amazon (like toys, printer toner, clothes, etc.) in the six months leading up to Prime Big Deal Days in October with their prices during the sale on Oct. 8. He found that if he had waited to buy those items during Prime Big Deal Days, he would have saved just 0.6%. Some items were even
                 <em>
                  more
                 </em>
                 expensive during the sale.
                </p>
                <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                 Similarly, Consumers’ Checkbook
                 <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                  tracked
                 </a>
                 popular sale items from 25 major retailers, and 12 of those retailers (including Bass Pro Shops, Gap, Michaels, and Wayfair) listed half of their items on sale for nearly 25 weeks straight.
                </p>
                <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                 <strong style="color:#000">
                  If you’re determined to bargain hunt:
                 </strong>
                 <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                  Learn how to price-track items
                 </a>
                 and make sure the deal is real. And FYI: It turns out that Black Friday is actually still a pretty decent time to score a deal on a
                 <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                  mid-tier TV
                 </a>
                 <em>
                  .—MM
                 </em>
                </p>
               </td>
              </tr>
              <tr>
               <td class="social-container" style="padding-bottom:15px;padding-left:15px">
                <!-- SOCIAL LINKS -->
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                    <img src="https://inboxflows.com/_/image/https%253A%252F%252Fcdn.sanity.io%252Fimages%252Fbl383u0v%252Fproduction%252F75fb8a70db5f5bc6b7210cdde05dfa91eeb3f0ef-96x96.png%253Fw%253D50%2526fit%253Dmax/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiIsInRpbWUiOjE3NjQzMjE4NjkuNjIxNTQyMn0:1vOuiL:24pPkUDzEmjCOENOIc9oEeIjckiJvXB-8yoQYYm-BFc" style="width:25px;display:inline-block" width="25"/>
                   </a>
                   <span>
                   </span>
                   <a rel="noopener" style="text-decoration:none" target="_blank">
                    <img src="https://inboxflows.com/_/image/https%253A%252F%252Fcdn.sanity.io%252Fimages%252Fbl383u0v%252Fproduction%252Ff61048cc7cca6e313215d18ddc546bbb9f5279dd-96x96.png%253Fw%253D50%2526fit%253Dmax/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiIsInRpbWUiOjE3NjQzMjE4NjkuNjIxNjMyNn0:1vOuiL:9wyhCn7_Hes8nT6tDjxZ1iGDNbVH5clhKopuoDztcE4" style="width:25px;display:inline-block" width="25"/>
                   </a>
                   <span>
                   </span>
                   <a rel="noopener" style="text-decoration:none" target="_blank">
                    <img src="https://inboxflows.com/_/image/https%253A%252F%252Fcdn.sanity.io%252Fimages%252Fbl383u0v%252Fproduction%252Fe4d40d61a934b028861fc21c8ae1f827b99638c5-96x96.png%253Fw%253D50%2526fit%253Dmax/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiIsInRpbWUiOjE3NjQzMjE4NjkuNjIxNzIyMn0:1vOuiL:blITVZJha_vTP4iJP9_9YPEuliLkkfZ0QUGrTomms0U" style="width:25px;display:inline-block" width="25"/>
                   </a>
                  </td>
                 </tr>
                </table>
                <!-- END SOCIAL LINKS -->
               </td>
              </tr>
             </table>
            </td>
           </tr>
          </table>
         </td>
        </tr>
       </table>
       <!--[if !mso ]><! -- -->
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      <!-- <![endif]-->
      <!-- END STORY ARTICLE -->
      <!-- STORY ARTICLE -->
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           <h3 style="color:#1c7ff2;text-transform:uppercase;margin-top:0;margin-bottom:0;font-family:Helvetica,Arial,sans-serif;font-size:16px;font-weight:700">
            Presented By T-Mobile
           </h3>
          </div>
          <div class="title-container" style="padding:0 15px">
           <h1 style="color:#333;margin-top:8px;margin-bottom:0;font-family:Helvetica,Arial,sans-serif;font-size:24px;font-weight:700;line-height:26px">
            <a style="text-decoration:none;color:#000!important;border-bottom:none!important" target="blank">
             <strong style="color:#000">
              A 15-minute marvel
             </strong>
            </a>
           </h1>
          </div>
          <a style="border:none;text-decoration:none" target="_blank">
           <img alt="T-Mobile" class="sponsored-header-image" src="https://inboxflows.com/_/image/https%253A%252F%252Fmorningbrew.com%252Fcdn-cgi%252Fimage%252Fwidth%253D1336%252Cformat%253Dauto%252Fhttps%253A%252F%252Fstorage.morningbrew.com%252Fimage%252F2025-11-07%252Fimage-00b6ae2bc87011f991105191193cf2e49df7ae38-1000x750-png%252FMorningBrew%25281000x750px%2529%25281%2529.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZtb3JuaW5nYnJldyIsInRpbWUiOjE3NjQzMjE4NjkuNjIxODQ2N30:1vOuiL:6KdNKrgaSppxT--Fp5fnHVt2x3kZwBMNY16K1yA7Zu0" style="width:100%;max-width:670px;padding-top:15px;display:block" width="670"/>
          </a>
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            <td class="sponsored-body content-container story-content" style="padding:15px">
             <p style="margin-top:0;margin-bottom:15px;line-height:22px">
              Switching wireless carriers has a reputation for being frustrating enough that you start to reconsider your life choices.
             </p>
             <p style="margin-top:0;margin-bottom:15px;line-height:22px">
              Thankfully, that’s not the case with T-Mobile. They’ve made it possible to switch
              <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
               within just 15 minutes
              </a>
              per line. And everything can be done from the comfort of…well, virtually anywhere.
             </p>
             <p style="margin-top:0;margin-bottom:15px;line-height:22px">
              You
              <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
               make your switch
              </a>
              online through the T-Life app or via their website. And starting in December, you can get same-day delivery on your new devices and access to your member perks right away.
             </p>
             <p style="margin-top:0;margin-bottom:15px;line-height:22px">
              What’s better? T-Mobile will give you four iPhone 17s when you switch four lines for $25/line + no trade*.
             </p>
             <p style="margin-top:0;margin-bottom:15px;line-height:22px">
              See how miraculously easy and rewarding switching can be with T-Mobile.
              <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
               Get started
              </a>
              .
             </p>
            </td>
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      <!-- STORY ARTICLE -->
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       <!-- <![endif]-->
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           <h3 style="color:#1c7ff2;margin-top:0;margin-bottom:0;font-family:Helvetica,Arial,sans-serif;font-size:16px;font-weight:700">
            GROCERY
           </h3>
          </div>
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            <td class="story-content">
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                <a style="color:#000;border-bottom:none;text-decoration:none" target="_blank">
                 The coupon’s not dead yet
                </a>
               </h1>
              </div>
             </table>
             <div class="header-image-container" style="padding-top:15px">
              <a style="border:none;text-decoration:none" target="_blank">
               <img alt="A person holds a coupon at supermarket checkout, with groceries in view" src="https://inboxflows.com/_/image/https%253A%252F%252Fmorningbrew.com%252Fcdn-cgi%252Fimage%252Fwidth%253D1336%252Cformat%253Dauto%252Fhttps%253A%252F%252Fstorage.morningbrew.com%252Fimage%252F2025-11-24%252Fimage-9bae27876b2f770b88c59c2f8c18b45206f233d6-494x351-jpg%252Fgettyimages-sb10067195f-001-170667a.jpg/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZtb3JuaW5nYnJldyIsInRpbWUiOjE3NjQzMjE4NjkuNjIxOTYxNH0:1vOuiL:yUDz8bNpPOyZFUTNQye0wt7LgJlwFGUiXpgyudrx3Tw" style="width:100%;max-width:670px;display:block" width="670"/>
              </a>
              <p style="margin:0;padding:0;line-height:22px">
               <span class="source" style="margin-top:5px;margin-bottom:0;padding-left:10px;line-height:14px;display:inline-block">
                <small>
                 <em>
                  Andersen Ross/Getty Images
                 </em>
                </small>
               </span>
              </p>
             </div>
             <table border="0" cellpadding="0" cellspacing="0" style="border-collapse:collapse" width="100%">
              <tr>
               <td class="content-container" style="padding:15px 15px 0">
                <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                 An American-born shopping strategy may be in the midst of a mini comeback. The days of couponing so hard that you get on a TLC show are over, but post-pandemic grocery inflation has ushered in a new wave of deal fiends.
                </p>
                <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                 Although coupon use plummeted to an all-time low in 2022:
                </p>
                <ul style="margin-top:0;padding-left:30px">
                 <li style="margin-bottom:10px;line-height:22px">
                  <span>
                   Redemptions
                  </span>
                  <span>
                   <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                    ticked up
                   </a>
                  </span>
                  <span>
                   in 2023 and 2024, mostly driven by digital offers rather than traditional newspaper inserts, according to Inmar Intelligence.
                  </span>
                 </li>
                 <li style="margin-bottom:10px;line-height:22px">
                  <span>
                   More than 25% of US adults are
                  </span>
                  <span>
                   <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                    using
                   </a>
                  </span>
                  <span>
                   more coupons because of the state of the economy, up from 18% in mid-2021, according to a 2024 survey by the National Retail Federation.
                  </span>
                 </li>
                </ul>
                <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                 <strong style="color:#000">
                  Rebound:
                 </strong>
                 In September, Kroger reported a “lift” in the number of products sold after the grocery chain
                 <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                  reintroduced
                 </a>
                 paper coupons. Bargain shoppers also logged a win in August, when Bed Bath &amp; Beyond Home
                 <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                  opened
                 </a>
                 its first store under its new banner and brought back its legendary 20% coupon. This time around, though, it can’t be used with other offers.
                </p>
                <h2 style="color:#000;margin:0 0 15px;font-family:Helvetica,Arial,sans-serif;font-size:19px;font-weight:700">
                 The deals aren’t what they used to be
                </h2>
                <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                 Gone is the era of combining enough coupons to save 75% at checkout (or even be
                 <em>
                  owed
                 </em>
                 money by the store):
                </p>
                <ul style="margin-top:0;padding-left:30px">
                 <li style="margin-bottom:10px;line-height:22px">
                  <span>
                   Walmart, ShopRite, and Target don’t let shoppers use more than four of the same paper coupon in one day anymore.
                  </span>
                 </li>
                 <li style="margin-bottom:10px;line-height:22px">
                  <span>
                   Many retailers have also stopped giving cash back on coupons of a higher value than the purchase price.
                  </span>
                 </li>
                 <li style="margin-bottom:10px;line-height:22px">
                  <span>
                   To limit
                  </span>
                  <span>
                   <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                    fraud risks
                   </a>
                  </span>
                  <span>
                   , some stores don’t allow printouts from Coupons.com—or any coupons that aren’t on their master list, even if they’re legitimate.
                  </span>
                 </li>
                </ul>
                <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                 <strong style="color:#000">
                  Where the
                  <em>
                   Extreme Coupon
                  </em>
                  ers are now:
                 </strong>
                 Many stars of the 2011–2012 TLC show
                 <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                  moved on
                 </a>
                 from coupon-clipping to maxing out their 401(k) and IRA contributions and racking up hotel loyalty points for cheaper travel. They told the Wall Street Journal that this offers higher returns for a drastically lower time commitment. Probably fewer paper cuts, too.
                 <em>
                  —ML
                 </em>
                </p>
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           <h3 style="color:#1c7ff2;margin-top:0;margin-bottom:0;font-family:Helvetica,Arial,sans-serif;font-size:16px;font-weight:700">
            PERSONAL FINANCE
           </h3>
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                <a style="color:#000;border-bottom:none;text-decoration:none" target="_blank">
                 Are all of these loyalty
                 <del>
                  schemes
                 </del>
                 programs worth it?
                </a>
               </h1>
              </div>
             </table>
             <div class="header-image-container" style="padding-top:15px">
              <a style="border:none;text-decoration:none" target="_blank">
               <img alt="Hand holding a loyalty rewards program card with a vanishing coffee cup" src="https://inboxflows.com/_/image/https%253A%252F%252Fmorningbrew.com%252Fcdn-cgi%252Fimage%252Fwidth%253D1336%252Cformat%253Dauto%252Fhttps%253A%252F%252Fstorage.morningbrew.com%252Fimage%252F2025-11-25%252Fimage-4f773e23b8fb6ca75ebdf65e285262a1b85beca9-1500x1000-jpg%252FCFO_Editorial_Loyalty_Program_FS_102423.jpg/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZtb3JuaW5nYnJldyIsInRpbWUiOjE3NjQzMjE4NjkuNjIyMzQ3OH0:1vOuiL:5-NdTkiWNIq6tX09BbT9wYX1wbWT8_4b139ecsZWJy4" style="width:100%;max-width:670px;display:block" width="670"/>
              </a>
              <p style="margin:0;padding:0;line-height:22px">
               <span class="source" style="margin-top:5px;margin-bottom:0;padding-left:10px;line-height:14px;display:inline-block">
                <small>
                 <em>
                  Francis Scialabba
                 </em>
                </small>
               </span>
              </p>
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                <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                 You’re just six more purchases from a free coffee. You’re four more hole punches from a free sandwich. If you amass 500 more points, that airline will let you fly the plane.
                </p>
                <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                 Maybe that last one isn’t real (yet), but loyalty programs have become ubiquitous. As of 2016, long before the current loyalty gold rush, Accenture reported that 90% of companies already had programs that gave you “free” stuff for making purchases.
                </p>
                <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                 But these plans can come at a cost.
                </p>
                <h2 style="color:#000;margin:0 0 15px;font-family:Helvetica,Arial,sans-serif;font-size:19px;font-weight:700">
                 Loyalty being punished?
                </h2>
                <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                 If you’ve noticed the perks aren’t as perky as they were when you first joined a given club, you might not be imagining things. The Washington Post
                 <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                  looked into
                 </a>
                 potential loyalty paranoia and instead found that Starbucks and other companies might use your info to cut back on your deals through surveillance pricing:
                </p>
                <ul style="margin-top:0;padding-left:30px">
                 <li style="margin-bottom:10px;line-height:22px">
                  <span>
                   Former FTC officials Samuel Levine and Stephanie Nguyen told the outlet that some companies will use AI and your personal data to charge
                  </span>
                  <span>
                   <em>
                    higher
                   </em>
                  </span>
                  <span>
                   prices to specific patrons.
                  </span>
                 </li>
                 <li style="margin-bottom:10px;line-height:22px">
                  <span>
                   A study from the Vanderbilt Policy Accelerator and the University of California at Berkeley’s Center for Consumer Law &amp; Economic Justice also found that these programs can invert the idea of loyalty, benefiting companies more than customers.
                  </span>
                 </li>
                </ul>
                <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                 <strong style="color:#000">
                  Data concerns:
                 </strong>
                 Ask that app not to track all you want, but some are still able to gather enough data in other ways to determine things like your income and how much money you’re willing to fork over. The author of the WaPo story requested and received his data report from Starbucks, which showed every drink and snack he had bought, every offer he had received, and every tap he made in the app. That kind of data could be shared with dozens of tech firms that specialize in tailoring prices.
                </p>
                <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                 <strong style="color:#000">
                  Open investigation:
                 </strong>
                 The FTC began
                 <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                  investigating surveillance pricing
                 </a>
                 in July 2024, but when the Trump administration took office, it halted the probe. Levine and Nguyen said they’d like to see it resume. Noting that in some cases loyalty programs may be the only path to a discount, Levine told WaPo, “We shouldn’t be put in a position where we have to decide between affording our groceries and protecting our privacy.”
                 <em>
                  —DL
                 </em>
                </p>
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           <h3 style="color:#1c7ff2;text-transform:uppercase;margin-top:0;margin-bottom:0;font-family:Helvetica,Arial,sans-serif;font-size:16px;font-weight:700">
            Together With WHOOP
           </h3>
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          <a style="border:none;text-decoration:none" target="_blank">
           <img alt="WHOOP" class="sponsored-header-image" src="https://inboxflows.com/_/image/https%253A%252F%252Fmorningbrew.com%252Fcdn-cgi%252Fimage%252Fwidth%253D1336%252Cformat%253Dauto%252Fhttps%253A%252F%252Fstorage.morningbrew.com%252Fimage%252F2025-11-14%252Fimage-5d8602441ba682cc7cbba006da5eedf59824a556-1000x750-png%252FHoliday_WHOOP_1000x750.PNG/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZtb3JuaW5nYnJldyIsInRpbWUiOjE3NjQzMjE4NjkuNjIyNzE5OH0:1vOuiL:safka5Z_aaIBEQ78ZljQNkzPmwzLpOjB4i_-g6nhopU" style="width:100%;max-width:670px;padding-top:15px;display:block" width="670"/>
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             <p style="margin-top:0;margin-bottom:15px;line-height:22px">
              <strong style="color:#000">
               Give the gift of better health.
              </strong>
              WHOOP gives its wearers (aka your gift recipients) a
              <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
               complete picture of their body
              </a>
              , from sleep to recovery to stress and more. Right now, they’re offering their best deal of the year: Join WHOOP Peak for just $199, or level up to
              <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
               WHOOP Life
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              for $299.
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           <h3 style="color:#1c7ff2;margin-top:0;margin-bottom:0;font-family:Helvetica,Arial,sans-serif;font-size:16px;font-weight:700">
            TIMING
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                <a style="color:#000;border-bottom:none;text-decoration:none" target="_blank">
                 Is today a holiday?
                </a>
               </h1>
              </div>
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               <img alt="A person walking by a sign advertising Black Friday weel" src="https://inboxflows.com/_/image/https%253A%252F%252Fmorningbrew.com%252Fcdn-cgi%252Fimage%252Fwidth%253D1336%252Cformat%253Dauto%252Fhttps%253A%252F%252Fstorage.morningbrew.com%252Fimage%252F2025-11-24%252Fimage-c69c7e407b5ad94f4b5e48d82780f765e6ed5ec6-1024x654-jpg%252FGettyImages-1355650905.jpg/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZtb3JuaW5nYnJldyIsInRpbWUiOjE3NjQzMjE4NjkuNjIyODE5NH0:1vOuiL:9lzah7jCC9mB4aD6weHDmgKFuCY0zNdQWAOCbRPA1z0" style="width:100%;max-width:670px;display:block" width="670"/>
              </a>
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               <span class="source" style="margin-top:5px;margin-bottom:0;padding-left:10px;line-height:14px;display:inline-block">
                <small>
                 <em>
                  Leon Neal/Getty Images
                 </em>
                </small>
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                <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                 You might wait to buy a new mattress on Presidents Day or Memorial Day, but if you want to camp out outside a big-box store and possibly get in a fist fight on your way through the door, there’s only one Black Friday. And unlike those other two, the “holiday” is all about shopping—and it’s not the only one, as made-up discount celebrations proliferate.
                </p>
                <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                 Where does Black Friday come from?
                </p>
                <ul style="margin-top:0;padding-left:30px">
                 <li style="margin-bottom:10px;line-height:22px">
                  <span>
                   The
                  </span>
                  <span>
                   <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                    term originated
                   </a>
                  </span>
                  <span>
                   in a very different corner of capitalism, as it was the descriptor given to a September 1869 stock market crash brought on by a panic caused by gold speculators.
                  </span>
                 </li>
                 <li style="margin-bottom:10px;line-height:22px">
                  <span>
                   It reemerged in Philadelphia in the 1950s, and this time it
                  </span>
                  <span>
                   <em>
                    was
                   </em>
                  </span>
                  <span>
                   about the day after Thanksgiving—but not yet about getting cheap gifts at the start of the holiday season. The day fell between Turkey Day and the Army–Navy football game, bringing huge crowds to the city and straining its police force.
                  </span>
                 </li>
                 <li style="margin-bottom:10px;line-height:22px">
                  <span>
                   Clever retailers latched onto the name in the 1980s, creating the shopping ritual we now know. This time, “black” was used like accountants do, to reflect profitability, as opposed to being in the red.
                  </span>
                 </li>
                </ul>
                <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                 <strong style="color:#000">
                  Black Friday has spawned imitators…
                 </strong>
                 with Small Business Saturday and Cyber Monday rounding out the shopping weekend. The National Retail Federation expects that a record 186.9 million people will shop during the five-day period following Thanksgiving this year. And some retailers have cooked up their own special shopping days, with Amazon’s Prime Day, born in July 2015, chief among them. The “day,” which now lasts
                 <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                  several days
                 </a>
                 twice a year, has copycats of its own, with competitors like Walmart and Target staging sales at similar times.
                </p>
                <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                 <strong style="color:#000">
                  But the biggest one has yet to feature on most US calendars:
                 </strong>
                 There’s a shopping holiday in China known as Singles Day that recently generated ~$150 billion in sales—more than Black Friday and Prime Day combined. Falling on Nov. 11 (picked for all the ones in the date), it’s the main sales event for China’s answer to Amazon, Alibaba. This year, the deals ran for nearly a month, leading to new
                 <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                  records
                 </a>
                 .
                 <em>
                  —AR
                 </em>
                </p>
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               <td class="social-container" style="padding-bottom:15px;padding-left:15px">
                <!-- SOCIAL LINKS -->
                <table border="0" cellpadding="0" cellspacing="0" style="border-collapse:collapse;border-collapse:collapse" width="100%">
                 <tr>
                  <td style="padding-top:12px">
                   <a rel="noopener" style="text-decoration:none" target="_blank">
                    <img src="https://inboxflows.com/_/image/https%253A%252F%252Fcdn.sanity.io%252Fimages%252Fbl383u0v%252Fproduction%252F75fb8a70db5f5bc6b7210cdde05dfa91eeb3f0ef-96x96.png%253Fw%253D50%2526fit%253Dmax/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiIsInRpbWUiOjE3NjQzMjE4NjkuNjIyOTA4Nn0:1vOuiL:wYC0lJqi0l3dZLj1huWKLDYEMmbMjmHLr2DdhMyNS3I" style="width:25px;display:inline-block" width="25"/>
                   </a>
                   <span>
                   </span>
                   <a rel="noopener" style="text-decoration:none" target="_blank">
                    <img src="https://inboxflows.com/_/image/https%253A%252F%252Fcdn.sanity.io%252Fimages%252Fbl383u0v%252Fproduction%252Ff61048cc7cca6e313215d18ddc546bbb9f5279dd-96x96.png%253Fw%253D50%2526fit%253Dmax/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiIsInRpbWUiOjE3NjQzMjE4NjkuNjIyOTk3M30:1vOuiL:hjcOnIxsyt_FNRgbghnGL7QfpJbaP6KNH8v07M_glK0" style="width:25px;display:inline-block" width="25"/>
                   </a>
                   <span>
                   </span>
                   <a rel="noopener" style="text-decoration:none" target="_blank">
                    <img src="https://inboxflows.com/_/image/https%253A%252F%252Fcdn.sanity.io%252Fimages%252Fbl383u0v%252Fproduction%252Fe4d40d61a934b028861fc21c8ae1f827b99638c5-96x96.png%253Fw%253D50%2526fit%253Dmax/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiIsInRpbWUiOjE3NjQzMjE4NjkuNjIzMTI5MX0:1vOuiL:x6EOqqzhlDzDBv_em2p7qi4EcQHbTXPCc8ggwI8kEP4" style="width:25px;display:inline-block" width="25"/>
                   </a>
                  </td>
                 </tr>
                </table>
                <!-- END SOCIAL LINKS -->
               </td>
              </tr>
             </table>
            </td>
           </tr>
          </table>
         </td>
        </tr>
       </table>
       <!--[if !mso ]><! -- -->
      </div>
      <!-- <![endif]-->
      <!-- END STORY ARTICLE -->
      <!-- STORY ARTICLE -->
      <!--[if !mso ]><! -- -->
      <div class="c6" style="margin-bottom:7px">
       <!-- <![endif]-->
       <table border="0" cellpadding="0" cellspacing="0" class="story-container" style="border-collapse:collapse" width="100%">
        <tr>
         <td class="card" style="color:#333;border-collapse:collapse;box-shadow:none;background-color:#fff;border:1px solid #e6e6e6;border-radius:15px;margin-bottom:0;font-family:Helvetica,Arial,sans-serif;font-size:16px;display:block">
          <div class="tag-container" style="padding:15px 15px 0">
           <h3 style="color:#1c7ff2;text-transform:uppercase;margin-top:0;margin-bottom:0;font-family:Helvetica,Arial,sans-serif;font-size:16px;font-weight:700">
            Together With Vanguard Digital Advisor
           </h3>
          </div>
          <a style="border:none;text-decoration:none" target="_blank">
           <img alt="Vanguard Digital Advisor" class="sponsored-header-image" src="https://inboxflows.com/_/image/https%253A%252F%252Fmorningbrew.com%252Fcdn-cgi%252Fimage%252Fwidth%253D1336%252Cformat%253Dauto%252Fhttps%253A%252F%252Fstorage.morningbrew.com%252Fimage%252F2025-11-24%252Fimage-c7a2999f83af97d08553c2605ee3c117c7639144-1000x750-jpg%252F4e30e4a0b81e30f695d1396abed88a17c8a88e26-1000x750%25281%2529.jpg/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZtb3JuaW5nYnJldyIsInRpbWUiOjE3NjQzMjE4NjkuNjIzMjc5M30:1vOuiL:a2uZWhi3c9ASAfgaUP-rrxITphsAwH3cq3uRYT6IwX0" style="width:100%;max-width:670px;padding-top:15px;display:block" width="670"/>
          </a>
          <table border="0" cellpadding="0" cellspacing="0" style="border-collapse:collapse;border-collapse:collapse" width="100%">
           <tr>
            <td class="sponsored-body content-container story-content" style="padding:15px">
             <p style="margin-top:0;margin-bottom:15px;line-height:22px">
              <strong style="color:#000">
               A smarter way to invest (no vision board required).
              </strong>
              Vanguard’s Digital Advisor keeps things easy: low cost, goals-based, and drama-free.
              <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
               It helps investors plot out milestones
              </a>
              like buying a home, paying for college, or finally retiring somewhere with strong Wi-Fi and beautiful vistas. You can start with just $100 in minutes.
              <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
               Learn more today
              </a>
              .
             </p>
            </td>
           </tr>
          </table>
         </td>
        </tr>
       </table>
       <!--[if !mso ]><! -- -->
      </div>
      <!-- <![endif]-->
      <!-- END STORY ARTICLE -->
      <!-- STORY ARTICLE -->
      <!--[if !mso ]><! -- -->
      <div class="c6" style="margin-bottom:7px">
       <!-- <![endif]-->
       <table border="0" cellpadding="0" cellspacing="0" class="story-container" style="border-collapse:collapse" width="100%">
        <tr>
         <td class="card" style="color:#333;border-collapse:collapse;box-shadow:none;background-color:#fff;border:1px solid #e6e6e6;border-radius:15px;margin-bottom:0;font-family:Helvetica,Arial,sans-serif;font-size:16px;display:block">
          <div class="tag-container" style="padding:15px 15px 0">
           <h3 style="color:#1c7ff2;margin-top:0;margin-bottom:0;font-family:Helvetica,Arial,sans-serif;font-size:16px;font-weight:700">
            RECS
           </h3>
          </div>
          <table border="0" cellpadding="0" cellspacing="0" class="story-content-container" style="border-collapse:collapse" width="100%">
           <tr>
            <td class="story-content">
             <div class="header-image-container" style="padding-top:15px">
              <img alt="Recs" src="https://inboxflows.com/_/image/https%253A%252F%252Fmorningbrew.com%252Fcdn-cgi%252Fimage%252Fwidth%253D1336%252Cformat%253Dauto%252Fhttps%253A%252F%252Fstorage.morningbrew.com%252Fimage%252F2025-09-11%252Fimage-762cbc4c673b8613a0de1bf6711a4fc25276f7a4-1350x330-png%252FMB_todo_banner.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZtb3JuaW5nYnJldyIsInRpbWUiOjE3NjQzMjE4NjkuNjIzMzkxNn0:1vOuiL:WRx6WiUGVeyKU0tNXP5LIHbdespANMaDSkNYiYW0zoM" style="width:100%;max-width:670px;display:block" width="670"/>
              <p style="margin:0;padding:0;line-height:22px">
               <span class="source" style="margin-top:5px;margin-bottom:0;padding-left:10px;line-height:14px;display:inline-block">
                <small>
                 <em>
                 </em>
                </small>
               </span>
              </p>
             </div>
             <table border="0" cellpadding="0" cellspacing="0" style="border-collapse:collapse" width="100%">
              <tr>
               <td class="content-container" style="padding:15px">
                <div>
                 <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                  <img alt="" src="https://inboxflows.com/_/image/https%253A%252F%252Fem-content.zobj.net%252Fthumbs%252F120%252Fapple%252F237%252Fwhite-heavy-check-mark_2705.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlbS1jb250ZW50LiIsInRpbWUiOjE3NjQzMjE4NjkuNjIzNDkyMn0:1vOuiL:MC_YwFjvzew0fT3k_MH6iAMPkjBbS9m1GAtRztfSyks" style="max-width:18px" width="18"/>
                  <strong style="color:#000">
                   Keep track:
                  </strong>
                  From sleep to stress,
                  <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                   this wearable
                  </a>
                  gives you the complete picture of how your body’s working.*
                 </p>
                 <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                  <img alt="" src="https://inboxflows.com/_/image/https%253A%252F%252Fem-content.zobj.net%252Fthumbs%252F120%252Fapple%252F237%252Fwhite-heavy-check-mark_2705.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlbS1jb250ZW50LiIsInRpbWUiOjE3NjQzMjE4NjkuNjIzNTgxNH0:1vOuiL:hVhWgrESTLnYrWpiYkFfXKuUxWpL0yaOFmKBN8E6Sak" style="max-width:18px" width="18"/>
                  <strong style="color:#000">
                   POV:
                  </strong>
                  You’re opening a store on
                  <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                   Black Friday
                  </a>
                  in the 2010s.
                 </p>
                 <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                  <img alt="" src="https://inboxflows.com/_/image/https%253A%252F%252Fem-content.zobj.net%252Fthumbs%252F120%252Fapple%252F237%252Fwhite-heavy-check-mark_2705.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlbS1jb250ZW50LiIsInRpbWUiOjE3NjQzMjE4NjkuNjIzNjY4NH0:1vOuiL:csmoarxq9ldS2fCNAdZUd2S9rnOs6MzOS4l4daboUNI" style="max-width:18px" width="18"/>
                  <strong style="color:#000">
                   Rewind:
                  </strong>
                  Coca-Cola pioneered the coupon. Here’s what it
                  <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                   looked like
                  </a>
                  .
                 </p>
                 <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                  <img alt="" src="https://inboxflows.com/_/image/https%253A%252F%252Fem-content.zobj.net%252Fthumbs%252F120%252Fapple%252F237%252Fwhite-heavy-check-mark_2705.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlbS1jb250ZW50LiIsInRpbWUiOjE3NjQzMjE4NjkuNjIzNzU0NX0:1vOuiL:IJyg7RRCUlFeX5Klp89ekHZkFMMMkAjg07AupdfgZjA" style="max-width:18px" width="18"/>
                  <strong style="color:#000">
                   Decode:
                  </strong>
                  The secret meaning behind
                  <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                   Costco’s prices
                  </a>
                  .
                 </p>
                 <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                  <img alt="" src="https://inboxflows.com/_/image/https%253A%252F%252Fem-content.zobj.net%252Fthumbs%252F120%252Fapple%252F237%252Fwhite-heavy-check-mark_2705.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlbS1jb250ZW50LiIsInRpbWUiOjE3NjQzMjE4NjkuNjIzODM5MX0:1vOuiL:vaCzKRQPg4HHJosvK2lHtW898BsNTPzkVzOOnfMY2C0" style="max-width:18px" width="18"/>
                  <strong style="color:#000">
                   Devour:
                  </strong>
                  Ranking the top
                  <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                   value menus
                  </a>
                  at fast-food restaurants.
                 </p>
                 <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                  <img alt="" src="https://inboxflows.com/_/image/https%253A%252F%252Fem-content.zobj.net%252Fthumbs%252F120%252Fapple%252F237%252Fwhite-heavy-check-mark_2705.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlbS1jb250ZW50LiIsInRpbWUiOjE3NjQzMjE4NjkuNjIzOTI1fQ:1vOuiL:NGj4rgmx57qD-ck2X6nOULHDIA2GV2PYt8p6IZpHHmU" style="max-width:18px" width="18"/>
                  <strong style="color:#000">
                   Read:
                  </strong>
                  The savings may be tempting, but don’t buy
                  <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                   these items
                  </a>
                  in bulk.
                 </p>
                 <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                  <img alt="" src="https://inboxflows.com/_/image/https%253A%252F%252Fem-content.zobj.net%252Fthumbs%252F120%252Fapple%252F237%252Fwhite-heavy-check-mark_2705.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlbS1jb250ZW50LiIsInRpbWUiOjE3NjQzMjE4NjkuNjI0MDE0MX0:1vOuiL:BkUseYlEbHB0IqXKEk3Dnarx-XUyosOhnPOSfAV20aU" style="max-width:18px" width="18"/>
                  <strong style="color:#000">
                   Sale:
                  </strong>
                  <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                   Get Morning Brew merch
                  </a>
                  , now up to 90% off.
                 </p>
                 <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                  <img alt="" src="https://inboxflows.com/_/image/https%253A%252F%252Fem-content.zobj.net%252Fthumbs%252F120%252Fapple%252F237%252Fwhite-heavy-check-mark_2705.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlbS1jb250ZW50LiIsInRpbWUiOjE3NjQzMjE4NjkuNjI0MDk4M30:1vOuiL:ZB3c6L_pkHJZ_94Txhfq05DhcPVEs6vWyXN9k22rlm8" style="max-width:18px" width="18"/>
                  <strong style="color:#000">
                   Intensify intimacy:
                  </strong>
                  Meet
                  <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                   Crescendo 2
                  </a>
                  , the doctor-recommended, FDA-registered vibrator. It stimulates all the right spots to boost arousal and lubrication—naturally. Get 35% + an extra 15% off with code H4PPY15 for
                  <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                   their biggest sale of the year
                  </a>
                  .*
                 </p>
                 <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                  <strong style="color:#000">
                   <img alt="" src="https://inboxflows.com/_/image/https%253A%252F%252Fem-content.zobj.net%252Fthumbs%252F120%252Fapple%252F237%252Fwhite-heavy-check-mark_2705.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlbS1jb250ZW50LiIsInRpbWUiOjE3NjQzMjE4NjkuNjI0MjA5Nn0:1vOuiL:qR8KAqLyDvsR92PWvTiG4NM2b6-PiHNdiph8cipDfPc" style="max-width:18px" width="18"/>
                   Upgrade ahead:
                  </strong>
                  Need to replace that generations-old phone? We teamed up with
                  <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                   U.S. Bank
                  </a>
                  to learn how the Split™ World Mastercard® helps divide the cost of your shiny new phone into
                  <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                   smaller payments
                  </a>
                  .*
                 </p>
                 <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                  <sup>
                   <em>
                    *A message from our sponsor.
                   </em>
                  </sup>
                 </p>
                </div>
               </td>
              </tr>
             </table>
            </td>
           </tr>
          </table>
         </td>
        </tr>
       </table>
       <!--[if !mso ]><! -- -->
      </div>
      <!-- <![endif]-->
      <!-- END STORY ARTICLE -->
      <!-- STORY ARTICLE -->
      <!--[if !mso ]><! -- -->
      <div class="c6 core_hidden" style="margin-bottom:7px">
       <!-- <![endif]-->
       <table border="0" cellpadding="0" cellspacing="0" class="story-container" style="border-collapse:collapse" width="100%">
        <tr>
         <td class="card" style="color:#333;border-collapse:collapse;box-shadow:none;background-color:#fff;border:1px solid #e6e6e6;border-radius:15px;margin-bottom:0;font-family:Helvetica,Arial,sans-serif;font-size:16px;display:block">
          <div class="tag-container" style="padding:15px 15px 0">
           <h3 style="color:#1c7ff2;margin-top:0;margin-bottom:0;font-family:Helvetica,Arial,sans-serif;font-size:16px;font-weight:700">
            SHARE THE BREW
           </h3>
          </div>
          <table border="0" cellpadding="0" cellspacing="0" class="story-content-container" style="border-collapse:collapse" width="100%">
           <tr>
            <td class="card-content">
             <table border="0" cellpadding="0" cellspacing="0" style="border-collapse:collapse" width="100%">
              <tr>
               <td class="content-container" style="padding:15px">
                <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                 <a class="link" style="color:#252525;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                  Share Morning Brew
                 </a>
                 with your friends, acquire free Brew swag, and then acquire more friends as a result of your fresh Brew swag.
                </p>
                <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                 We’re saying we’ll give you free stuff and more friends if you share a link. One link.
                </p>
                <a>
                 <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                  <img class="img-responsive" src="https://inboxflows.com/_/image/https%253A%252F%252Fcdn.sanity.io%252Fimages%252Fbl383u0v%252Fproduction%252Fe8c0d668fd2ce584105a14629f9409b29ddffc91-3840x2160.png%253Fw%253D640%2526q%253D60/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiIsInRpbWUiOjE3NjQzMjE4NjkuNjI0MzA3NH0:1vOuiL:o0s2sJfmnrOG97_fyk7Ap-IQdWHXpdT9MxqhrPkc7Ok" style="width:100%;max-width:640px;display:block;width:100%!important" width="640"/>
                 </p>
                </a>
                <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                 <b>
                  Your referral count:
                 </b>
                 0
                </p>
                <a class="stb-btn" style="color:#fff;text-align:center;background-color:#1c7ff2;border-radius:4px;width:100%;max-width:150px;padding:15px;font-family:Helvetica,Arial,sans-serif;font-size:16px;font-weight:900;text-decoration:none;display:block;margin-top:inherit!important;margin-bottom:inherit!important;margin-right:inherit!important;margin-left:inherit!important">
                 Click to Share
                </a>
                <p style="margin-top:15px;margin-bottom:15px;line-height:22px">
                 Or copy &amp; paste your referral link to others:
                 <br/>
                 <a class="link" style="color:#252525;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                  morningbrew.com/daily/r/?kid=979c4554
                 </a>
                </p>
               </td>
              </tr>
             </table>
            </td>
           </tr>
          </table>
         </td>
        </tr>
       </table>
       <!--[if !mso ]><! -- -->
      </div>
      <!-- <![endif]-->
      <!-- END STORY ARTICLE -->
      <!-- DISCLAIMER -->
      <!--[if !mso]> <! -- -->
      <div class="c6" style="margin-bottom:7px">
       <!-- <![endif]-->
       <table border="0" cellpadding="0" cellspacing="0" style="border-collapse:collapse;border-collapse:collapse" width="100%">
        <tr>
         <th class="card" style="text-align:left;color:#333;border-collapse:collapse;box-shadow:none;background-color:#fff;border:1px solid #e6e6e6;border-radius:15px;margin-bottom:0;font-family:Helvetica,Arial,sans-serif;font-size:16px;font-weight:400;display:block">
          <table border="0" cellpadding="0" cellspacing="0" style="border-collapse:collapse;border-collapse:collapse" width="100%">
           <tr>
            <td class="disclaimers-content" style="padding:15px;font-size:10px">
             <p style="margin-top:0;margin-bottom:15px;font-size:10px;line-height:10px">
              <strong style="color:#000">
               ✢ A Note From T-Mobile
              </strong>
             </p>
             <span style="font-size:10px">
              <p style="margin-top:0;margin-bottom:15px;line-height:22px">
               With 24 monthly bill credits and 4 new lines. For well-qualified customers with AutoPay; plus taxes/fees and $35 per line connection charge.
              </p>
             </span>
             <p style="margin-top:0;margin-bottom:15px;font-size:10px;line-height:10px">
              <strong style="color:#000">
               ✳︎ A Note From Vanguard Digital Advisor
              </strong>
             </p>
             <span style="font-size:10px">
              <p style="margin-top:0;margin-bottom:15px;line-height:22px">
               Vanguard Digital Advisor’s services are provided solely by Vanguard Advisers, Inc. (“VAI”), a registered investment advisor. VAI is a subsidiary of The Vanguard Group, Inc. (“VGI”), and an affiliate of Vanguard Marketing Corporation (“VMC”). Neither VGI, VAI, nor its affiliates guarantee profits or protection from losses. Please review VAI’s
               <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                Form CRS and the Vanguard Digital Advisor and Vanguard Personal Advisor Brochure
               </a>
               for important details about VAI’s services. For more information, see the
               <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                Privacy Policy
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               and
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