Motley Fool Money Don't Be a Grinch, Keep Holding
15 snips
Dec 30, 2024 
Jason Moser, a Motley Fool analyst, joins to unpack the recent market shifts and year-end financial strategies. They discuss the holiday-induced market hangover and its ties to rising consumer credit card debt impacting 2025 spending. The conversation shifts to Alphabet's ambitious AI projects like Gemini and Project Mariner. They also explore new year resolutions for investors, advocating for steady investment strategies and the benefits of a structured routine to enhance personal growth amidst market challenges.
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Post-Holiday Market Hangover
- The stock market experienced a post-holiday hangover with the S&P 500 down about 2% since Christmas.
- End-of-year selling, tax loss harvesting, and uncertainty about the new administration's policies contribute to this.
Consumer Debt and Discretionary Spending
- Rising consumer credit card debt and delinquencies, especially among lower earners, may impact discretionary spending in 2025.
- Higher earners are doing okay, but the lower third of consumers have almost no savings, creating a tale of two economies.
Retailer Performance and Target Audience
- Pay attention to retailers' performance based on their target audience's income level.
- Companies like Lululemon, catering to higher earners, may fare better than those focused on value like Target and Walmart.