🤖 Nvidia Declares 2025 "Year of AI Agents"

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Happy New Year, Everyone!

A quick breakdown — in case you don’t have the time.

1. ⭐ Trump says interest rates are too high.

2. ⭐ Our 5 favorite investment themes for 2025.

3. ⭐ Google released a white paper detailing AI Agents.

4. ⭐ 89% of CIOs expect to spend more on cybersecurity in 2025.

5. ⭐ 2025 is the year you finally get term life insurance with Suriance.

6. ⭐ Join our weekly livestreams inside of the Rich Habits Network!

Market Overview

Chart of the Week

Trump says “Interest rates are far too high.”

The last time Trump said something was “too high,” it was the dollar back in January 2017 — just days before his inauguration. He said “Our companies can’t compete with them now because our currency is too strong, and it’s killing us.”

Last year, he also called the recent strength a “tremendous burden on US businesses.”

The same burden occurs with high interest rates — they suppress exports, hurt corporate earnings, and slow economic growth. After Trump’s remarks about the strength of the dollar, it began a significant decline — setting the stage for one of the most pivotal macro moves we’ve seen in years.

This one comment by Trump caused a melt-up in risk assets — stocks, crypto, and everything in between. The S&P 500 returned +27% and Bitcoin’s price increased by +1,358% throughout the 12-months following those remarks.

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In Case You Missed It…

👉 Ep #99: Our 5 Favorite Investment Themes in 2025

In this week’s episode of the Rich Habits podcast (linked here) — Robert and Austin shared their favorite investment themes for 2025.

Here’s what they discussed:

1. Humanoid Robots / Physical AI — AI is no longer just ChatGPT and pretty images. We’ve very much entered the “Dawn of Physical AI,” with humanoid robots like this one being used by BMW to build cars. Nvidia’s Omniverse and Cosmo technology act as a playground for these robots to learn new actions as well as their super chips to power their compute functionality.

2. Nuclear Energy — AI’s expansion increases energy demand, with global electricity consumption from data centers expected to double by 2026. In response, tech giants like Amazon and Google are investing aggressively in nuclear power — a strategic pivot in energy dependence to meet AI’s growing energy needs.

3. Kalshi / Polymarket — The stock market is trading at higher-than-normal valuations, leaving little room for growth in 2025. We believe the year will end up in the mid-single digits. To generate above-average returns in our portfolios, we plan to buy / sell event contracts that have an extremely high likelihood of coming true. 3% here, 2% there — compounded throughout the year very well could outperform the S&P 500.

4. Continuation of AI — We’ve been talking about it for year, and we don’t believe it’s going away in 2025. However, like any new technology, this year the real winners will shine — and the real losers will fall out of favor. We believe software AI companies who are truly using this technology to revolutionize their business, especially with AI Agents, will see continued support from the markets.

5. Quantum Computing — Despite Jensen Huang saying quantum computing is 15-20+ years away from commercial use cases, we continue to believe this technology will disproportionately benefit Google.

👉 Q&A: Investing $200K of RSUs, Buying a Failing Biz, & $1.4M Net Worth at 34

Here’s a link to the Q&A episode that was posted this morning.

You can submit questions for these episodes by asking them inside of the Rich Habits Network, replying to this email, or sending us a DM on Instagram.

The Rich Habits Podcast is available on Spotify, Apple, iHeart, YouTube, and wherever else you get your content!

Robert’s Callout

Google just released a White Paper on AI Agents — and it’s awesome.

In case you didn’t watch Jensen Huang’s CES 2025 presentation earlier this week, the CEO of Nvidia shared with us his expectation for AI Agents to become “the next big thing” in AI. Companies like Salesforce are already using AI Agents (AgentForce) and selling the technology to customers.

If you’re like me and want to learn more about the new AI technology, Google’s white paper does a wonderful job breaking everything down.

My 5 biggest takeaways include:

1. Agents are AI on steroids — they go beyond basic models by using tools, making plans, and taking actions… more like humans solving problems.

2. It’s all about the setup — to work, agents need three things: a smart model for decision-making, tools to interact with the real world, and a system to manage how they plan and act.

3. Tools make all the difference — APIs, databases, and real-time data give agents superpowers to move beyond just answering questions… they can actually do things.

4. Building agents is getting easier — platforms like Langchain and Vertex AI make it simple to create and deploy agents, even for complex tasks.

5. There’s still work to do — big challenges like making agents easy to use, interoperable, and privacy-friendly need solving before they truly take off.

Austin’s Callout

89% of CIOs expect to spend more on cybersecurity in 2025.

As you all might remember, I’m the biggest believer in the “cybersecurity” secular growth trend. Between continued use of the internet, the Cloud, and now AI — cybersecurity has never been more important for Fortune 1000 companies.

The above chart shows the percent of Chief Information Technology Officers surveyed by the investment bank Piper Sanders that answered yes to the question “Do you plan to increase your cybersecurity spend in 2025?”

89% of them answered with an affirmative “Yes.”

I continue to believe that cybersecurity remains one of the most lucrative secular growth trends to invest into. Just look at these 5-year returns:

• Crowdstrike (CRWD): +527%

• Palo Alto Networks (PANW): +335%

• Fortinet (FTNT): +320%

The Rich Habits Radar

• 👉 December jobs report shows strong growth — 216K jobs added.

• 👉 Costco blows past December sales estimates, up +10%.

• 👉 Federal Reserve minutes signal potential pause in rate cuts.

• 👉 Biden plans to install more export restrictions on NVDA & AMD.

• 👉 Hedge funds post highest returns since 2020.

• 👉 eBay partners with Meta to list products on Facebook Marketplace.

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