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Born out of breakthrough research at the City University of Hong Kong, i2Cool&nbsp;is redefining the future of sustainable cooling. Founded by leading professors and young scientists from the School of Energy and Environment, the company transforms cutting-edge science—featured in top journals like Science—into real-world solutions. Its core technology, based on passive radiative cooling, enables electricity-free temperature reduction of up to 42°C using advanced nanomaterials.
From rooftops to textiles and automotive surfaces, i2Cool's coatings and films are already making an impact in nearly 30 countries. With a growing portfolio of zero-energy cooling products, i2Cool is helping cities, industries, and communities around the world move toward a cooler, greener, and carbon-neutral future.
Recently Benzinga&nbsp;spoke with Prof. Martin Zhu, Co-Founder and CEO of i2Cool, the trailblazing company behind electricity-free cooling technology that's making waves across more than 20 countries.
With a Ph.D. in Energy and Environment from City University of Hong Kong, Prof. Zhu stands at the intersection of cutting-edge research, climate innovation, and entrepreneurial impact.
Under his leadership, i2Cool has not only secured over HK$140 million in funding, but has also delivered real-world solutions—ranging from cooling skyscrapers and city buses to empowering underserved communities through social initiatives.
Here's an excerpt from our conversation with Prof. Zhu, where he discusses how i2Cool is redefining passive cooling, scaling globally, and driving climate resilience through deep-tech innovation and community-centered leadership.
The i2Cool has gained traction in 20+ countries across a range of applications. What is your strategic roadmap for expanding further into high-growth regions such as Southeast Asia, Africa, and LATAM?
We started with demonstration projects in Hong Kong, since being based there made it easier to access building owners and run pilot tests. As a cooling technology developed in the lab, we initially had no direct links to industry players. So our strategy was to prove the concept through local casework, collect reliable performance data, and then partner with distributors who already have strong connections in key sectors.
We're now replicating this model in regions like Southeast Asia and the Middle East. Our first projects in the UAE included high-profile sites such as Dubai Mall and the Emirates Palace in Abu Dhabi. These pilots allowed us to gather precise data showing how much energy can be saved and how significantly we can reduce surface temperatures.
With that data, we engage local distributors who understand the ecosystem and have access to industries such as construction, logistics, cold chain, and container infrastructure. These partners play a key role in promoting our technology within their networks, helping us scale in each market.
Because we didn't come from an industrial background, our focus has always been to build trust and credibility through results. By thinking globally but acting locally, and aligning with each region's market standards and expectations, we've been able to bring our lab-born solution to real-world applications across different countries.
You've successfully collaborated with government bodies and research institutions. How do you evaluate which partnerships to pursue—particularly when it comes to scaling R&amp;D or advancing regulatory adoption?
In the beginning, our material was still at the lab stage and hadn't been tested in real-world environments, which are very different from controlled lab conditions. The first actual application came through a pilot project supported by the Hong Kong government, in a government building near the airport. That project gave us valuable data—on durability, resistance to water droplets, dust, and other real-world factors. It also helped us fine-tune the material and formula to make the product more practical for field use.
This government-led trial was critical, as it validated the technology and gave us a performance reference for the broader market. After that, we gradually expanded to commercial projects—working with developers, shopping malls, and private buildings. So our journey has been step-by-step: from lab, to public sector validation, and then into the private market.
With origins in academic research and journal publications like Science, how did you bridge the gap between lab innovation and scalable commercial products? What were the key inflection points along the way?
Scaling up from lab to factory was one of the biggest challenges we faced. In the lab, we work with small-scale tools like beakers and stirrers, and use high-purity materials under ideal conditions. But in a factory setting, the equipment is much larger and the raw materials come from industrial suppliers, where quality can vary. We had to spend over three months fine-tuning the equipment parameters and testing different material sources to ensure we could replicate the lab results at scale.
Another major challenge was balancing performance and cost. In theory, achieving 99.9% reflectivity or emissivity would offer the best results, but doing so requires extremely high-grade materials, which can drive up the cost by 10 times. That's not always viable for the market. So we had to find the right formula that could deliver strong performance while remaining cost-effective.
In the end, the key was balance—between lab precision and industrial reality, and between optimal performance and market feasibility.
How is i2Cool aligning its long-term corporate strategy with global sustainability goals, such as Net Zero 2050 and ESG mandates?
In the short term, we focus on producing and selling final products—like coatings, films for buildings, and textiles for the B2C market—to prove the concept and demonstrate the value of our technology in real-world projects. This helps us collect data and build trust with customers.
But in the long run, our goal is to shift towards a platform model. We aim to produce only the core nanoparticle concentrate, which can be supplied to various manufacturers—paint, film, or fiber makers—who can then integrate our i2Cool technology as an additive into their own products. This would allow us to scale through established players in mature industries.
Ultimately, we want to focus on the technology itself and enable wide adoption across sectors. Given how quickly this industry evolves, we believe manufacturers are increasingly open to adopting innovative materials like ours into their existing product lines.
What emerging technologies or materials are in your pipeline that you believe will define the next phase of electricity-free cooling solutions? 
Currently, our product offers a single function: electricity-free cooling during summer by reflecting sunlight and emitting heat. But we're developing a second version that adapts to ambient temperature. In winter, the material will shift to a darker color to absorb solar energy and help warm indoor spaces. In summer, it returns to a lighter color to enable passive cooling. This version would be ideal for regions with seasonal variations, such as high-altitude countries.
We&#8217;ve also observed that in humid regions like Southeast Asia, especially during rainy days, the cooling performance drops because water vapor blocks thermal emission. To address this, we&#8217;re working on a new research direction—harvesting kinetic energy from raindrops to generate electricity.
In the future, our technology will offer dual functionality: passive cooling on sunny days and power generation on rainy days, making it suitable for diverse climates and conditions.
Given the wide range of use cases—from PV panels to textiles—how do you strike a balance between product customization and the need for scalable manufacturing?
Yes, it requires extensive trial work and strong quality control in the factory. Any time we switch to a lower-cost material or change suppliers, we must assess how it affects product performance. That's why we're building a systematic method to evaluate and verify the effectiveness of our technology.
For any startup aiming to strike the right balance between performance, cost, and market acceptance, it&#8217;s essential to first understand what the market needs and what level of performance is considered &#8220;good enough.&#8221; Defining those standards early on is key to scaling successfully.
How does customer feedback from real-world deployments—such as logistics operations in the UAE or public housing projects in Hong Kong—inform your product iteration process? 
Different customers have different expectations, largely shaped by their local climate conditions. For example, in the UAE's hot and dry climate, we initially expected our cooling material to reduce indoor temperatures by 3–5°C, similar to our Hong Kong trials. But in our first UAE project at Emirates Palace in Abu Dhabi, it actually reduced temperatures by over 10°C—well beyond our expectations.
However, we soon discovered a new challenge: the extreme temperature difference between day and night in desert climates caused thermal expansion, which led to material cracking. While the cooling performance was excellent, the material's durability wasn't suitable for those conditions. So we returned to the lab and modified the formulation to improve elongation and resistance to thermal stress.
This experience showed us that every market has unique expectations and environmental demands. To succeed globally, we must start from the end-user's needs and continuously adapt the technology to local conditions and customer behavior.
With offerings like i2Coating, i2Film, and i2Membrane, is there a long-term plan to bundle or integrate these into a full-stack thermal management system for buildings or infrastructure?
Yeah, you raised a very good point because we have a lot of products and a lot of new things. Currently, our focus is on buildings and outdoor equipment in urban areas. But as we develop our ceramic-based solutions, we&#8217;re expanding into city infrastructure. In some large-scale projects in Hong Kong, we applied our material to expansive rooftop areas and found that not only did the buildings cool significantly, but the surrounding air temperature also dropped by 0.5 to 1°C.
This suggests that wide-scale application across urban infrastructure can help cool entire communities, contributing meaningfully to global climate goals—like the UN's target of limiting temperature rise to 1.5°C. Even a 0.5°C local reduction can have a major impact on mitigating the urban heat island effect and improving public thermal comfort.
That's why we're now pushing ceramic materials into public infrastructure. In parallel, we're also developing B2C products—like textiles, clothing, umbrellas, and other daily-use items—to empower individuals, not just institutions. We want our cooling technology to reach every part of the community, blending both ‘hardware' like buildings and infrastructure, and ‘software'—the people who live there.
I recently experienced the heatwave in Paris firsthand, and it was strikingly similar to what we see in Hong Kong. As extreme heat events become more common, even in high-altitude countries, we believe our technology has a role to play globally—not only for cities and industries, but for everyday people seeking relief from rising temperatures.
i2Cool integrates electricity-free cooling technology with traditional materials such as paint and textiles. How do you think this innovation will reshape the role of these materials in industries like construction and automotive? 
Our material is versatile and not limited to premium applications like buildings. While we&#8217;ve started with infrastructure projects to demonstrate clear cooling benefits, our broader goal is to scale the technology across diverse, accessible use cases. That's why we've begun integrating our core cooling nanoparticles into different substrates—like textiles—enabling B2C products for everyday use.
This shift builds on what we've learned from large-scale urban projects and is part of our strategy to move from niche adoption to widespread impact. We're also collaborating with research teams beyond our base at City University of Hong Kong, including Hong Kong University of Science and Technology and the University of Virginia, to test and adapt the technology for various climates.
Our mission goes beyond commercial rollout—we aim to foster a global ecosystem for green innovation. By working with universities, industries, and other partners, we hope to contribute to the wider climate solution through scalable, inclusive, and sustainable technologies.
How is i2Cool adapting its electricity-free cooling technology for the automotive sector, and what impact has it shown in real-world vehicle&nbsp;applications?
The i2Cool's electricity-free cooling technology is being adapted for the automotive sector through its i2Coating Auto and i2Film Auto product lines. These target vehicle bodies, windows, and wheel hubs, offering high solar reflectance, durability, and temperature reduction. The powder coating for wheel hubs reduces surface temperature by 10–18°C, while other coatings lower interior temperatures by up to 10°C.
i2Film Auto provides up to 94% mid-infrared emissivity with UV protection and transparency, suitable for all vehicle types—from passenger cars to RVs and service vehicles. Real-world trials show strong results: Hong Kong's Citybus retrofit saw a 4.6°C cabin drop and 26% energy savings; in mainland China, vehicles recorded cooling up to 10°C.
These results highlight the broad potential of i2Cool's solutions in the mobility&nbsp;sector.

News

'At i2Cool, We're Building A Global Ecosystem For A Green, Sustainable Future—Not Just Selling Technology,' Says Prof. Zhu

According to a recent poll conducted by the Wall Street Journal, a significant skepticism among Americans towards President Donald Trump&#8216;s tax-and-spending law. 
What Happened: The <a href="https://www.wsj.com/politics/policy/trump-wsj-poll-tax-bill-support-ee51c67e?mod=hp_lead_pos2">poll</a>, which ran from July 16 to July 20, 2025, indicates that the law has only 42% support, with 52% opposition. The negative sentiment is particularly strong among Democrats, with 94% expressing disapproval. 
Additionally, 12% of Republicans and 54% of independents also oppose the law. A significant 70% of respondents believe the law will favor the wealthy, while a mere 7% think it will negatively impact this group.
The tax law is perceived as favoring the wealthy and large corporations, potentially to the detriment of the less fortunate and the federal budget.
Expectations are high that the legislation will negatively affect the poor,&nbsp;the working class, Social Security&nbsp;beneficiaries, the U.S. economy, Medicaid&nbsp;recipients, nutrition-assistance recipients,&nbsp;and the federal budget deficit.&nbsp;The Congressional Budget Office projects that the law will&nbsp;increase budget deficits by $3.4&nbsp;trillion through 2034.
Despite the skepticism, Republicans maintain their confidence in the law&#8217;s potential benefits for Americans. They emphasize its provisions for border security, energy production, and tax cuts. 
Also Read: <a href="https://www.benzinga.com/news/politics/25/07/46648712/independent-voters-approval-rating-of-donald-trump-plummets-latest-poll-indicates">Independent Voters&#8217; Approval Rating Of Donald Trump Plummets, Latest Poll Indicates</a>
They argue that Democrats effectively voted for tax increases by opposing the tax-cut extensions. Public opinion on the legislation&#8217;s impact is mixed, providing opportunities for both parties to shape perceptions. 
The poll also reveals potential avenues for Republicans to promote the law, with new tax cuts, including Trump&#8217;s &#8220;no tax on tips&#8221; policy, receiving strong support.
Conversely, Democrats view the law as a key issue for the upcoming midterm elections and are planning events to highlight its perceived downsides. They believe that a successful outreach over the next 15 months could lead to a rejection of the Republican majority.
Why It Matters: The mixed public opinion on the tax-and-spending law underscores the political divide in the country. The law&#8217;s perceived favoritism towards the wealthy and corporations could potentially influence the upcoming midterm elections, with Democrats planning to leverage this sentiment. 
Meanwhile, Republicans are banking on the law&#8217;s tax cuts and other provisions to sway public opinion in their favor. The next 15 months will be crucial in shaping the political landscape, as both parties vie for public support.
Read Next
<a href="https://www.benzinga.com/news/politics/25/07/46266316/donald-trumps-approval-rating-jumps-among-baby-boomers-heres-whats-driving-it" target="_blank" rel="noreferrer noopener">Donald Trump's Approval Rating Jumps Among Baby Boomers — Here's What's Driving It</a>

Politics

Public Opinion Divided Over Donald Trump's Tax-And-Spending Law, New Poll Reveals

According to a report, a 12-foot sculpture of&nbsp;Elon Musk&#8216;s head has been popping up in various national parks across the U.S. this summer, bearing a political message.
What Happened: The giant Musk head has been sighted at Yosemite, Arches, and Mt. Rainier National Parks, stirring up attention and online debates.
The anonymous individual behind this spectacle <a href="https://www.foxnews.com/travel/mysterious-giant-elon-musk-head-travels-americas-national-parks-saying-make-america-wait-again">told </a>Fox News that the sculpture serves as &#8220;part protest, part performance art.&#8221; 
The aim is to shed light on the recent layoffs and budget cuts across the National Park Service. The phrase &#8220;Make America Wait Again&#8221; etched on the sculpture is a play on President Donald Trump&#8216;s slogan, but the organizer clarified that it doesn&#8217;t target any specific political side.
A Michigan-based artist crafted the lifelike sculpture, complete with Musk&#8217;s characteristic smirk. The organizer chose to stay anonymous, stating,&nbsp;&#8220;It's not important who I&nbsp;am. It's about what this&nbsp;statue represents.&#8221;
Also Read: <a href="https://www.benzinga.com/news/politics/25/07/46266380/ex-trump-lawyer-sent-this-message-to-elon-musk-after-feud-with-donald-trump-erupted">Ex-Trump Lawyer Sent This Message To Elon Musk After Feud With Donald Trump Erupted</a>
The images of the Musk sculpture have gone viral on Reddit, with the creator acknowledging&nbsp;the risks of such a&nbsp;public display but emphasizing the importance of the message it carries.
The giant Musk head is scheduled to appear in more parks, but the organizer has kept the details confidential.
Why It Matters: This unusual form of protest highlights the ongoing issues faced by the National Park Service due to budget cuts and layoffs. 
By using a sculpture of Elon Musk, a prominent figure known for his innovative ideas and disruptive approach, the organizer is drawing attention to these issues in a unique and impactful way. 
The viral nature of this spectacle on social media platforms like Reddit further amplifies the reach of its message. 
The organizer&#8217;s decision to remain anonymous puts the focus on the message rather than the messenger, emphasizing the importance of addressing the challenges faced by the National Park Service.
Read Next
<a href="https://www.benzinga.com/news/politics/25/05/45710504/elon-musks-government-efficiency-push-a-closer-look-at-his-financial-gains-and-losses">Elon Musk&#8217;s Government Efficiency Push: A Closer Look at His Financial Gains and Losses</a>

Elon Musk's Giant Head Sculpture Makes Surprise Appearances In National Parks Saying 'Make America Wait Again'

The rich people view money differently from everyone else. They regularly invest money and let their cash grow over time. There's more to becoming rich and wealthy than saving money. You also have to put it in the right places to build your nest egg.
Financial personality Humphrey Yang recently explained a <a href="https://www.tiktok.com/@humphreytalks/video/7528489378839104798?lang=en">key trait</a> that sets rich people apart.
"They would rather have their money work for them," he said.
While rich people often enjoy work, these same people want to make more money from investments than from their salaries. Yang outlined how you can do the same.
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<h2 class="wp-block-heading">The Power Of Compound Interest</h2>
Yang explains that when your investment grows, the returns you generate fuel additional growth thanks to compound interest. If you invest $1,000 and earn 10% per year, you earn $100 at the end of the first year. Your $1,000 would then turn into $1,100.
However, if you maintain a 10% annualized return, your portfolio won't go from $1,100 to $1,200. Since you started with a $1,100 balance, you will now gain $110, resulting in a $1,210 portfolio.&nbsp;
Applying this same model with larger numbers demonstrates how quickly your portfolio can grow over time. For instance, a 10% return on a $1 million portfolio nets you an additional $100,000. That's a higher return than the average salary. It's possible for your investments to outearn you on the side, but you have to grow your portfolio over time to reach this point.
Trending: Accredited Investors: Grab Pre-IPO Shares of the AI Company Powering Hasbro, Sephora &amp; MGM—<a href="https://www.benzinga.com/money/rad-intel">Just $0.63 Before NASDAQ Launch</a>
<h2 class="wp-block-heading">Prudent Financial Management Goes A Long Way</h2>
Compound interest won't do much if you only have a $1 portfolio. You won't see it go from $1 to $10 in your lifetime if you rely on 10% annualized growth. That's why it is important to monitor your finances, trim your expenses, and put everything you save into assets that can multiply your wealth.
If you get a 100% return on $1,000, you end up with $2,000. However, getting a 10% return on $1 million results in an extra $100,000. It's nice to get high percentage returns, but those gains won't do much good if you have a small portfolio.
The great thing is that the more money you put into your portfolio, the easier it is to reach new milestones. Getting the first million is the hardest part, but it then becomes much easier to reach $2 million. Jumping from $2 million to $3 million is much easier than jumping from $1 million to $2 million. It's even easier to go from $9 million to $10 million compared to the other jumps mentioned earlier. Wealth compounds on itself and makes every milestone easier to achieve.
See Also: Warren Buffett once said, "If you don't find a way to make money while you sleep, you will work until you die."<a href="https://www.benzinga.com/money/warren-buffet-make-money-when-you-sleep"> Here&#8217;s how you can earn passive income with just $10.</a>
<h2 class="wp-block-heading">Don't Stash Your Money In A Savings Account</h2>
Most rich people do not stash their money in savings accounts due to their low returns. Not only is interest low on these accounts, but interest is also treated as ordinary income for tax purposes.&nbsp;
You can earn a much higher long-term return if you put the money into index funds, real estate, and other assets. Index funds are easier to manage since you just have to put money into a fund, and the manager handles the rest.
It's still good to have some money in a high-yield savings account to cover emergency expenses. It's a common recommendation to keep up to six months of living expenses in an emergency savings account. Once you reach this threshold, it may be a good idea to put any remaining cash into investments.
Read Next: <a href="https://www.benzinga.com/money/are-you-rich">Are you rich?</a> Here&#8217;s what Americans think you need to be considered wealthy.
Image: Shutterstock

Personal Finance

Rich People Don't Keep Their Cash Here—And Humphrey Yang Explains Why

FBI Deputy Director Dan Bongino&nbsp;has expressed deep concern over the discoveries of government corruption and weaponization, assuring that ongoing investigations are being conducted strictly by the law.
What Happened:&nbsp;Bongino has revealed shocking information about government corruption that has left him deeply unsettled.
Bongino did not disclose the specifics of his findings, but confirmed that investigations into these matters are currently in progress and are being conducted in full compliance with the law.
&#8220;What I have learned in the course of our properly predicated and necessary investigations into these aforementioned matters, has shocked me down to my core,&#8221; Bongino said in a post on X.
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<blockquote class="twitter-tweet" data-width="500" data-dnt="true">During my tenure here as the Deputy Director of the FBI, I have repeatedly relayed to you that things are happening that might not be immediately visible, but they are happening.  The Director and I are committed to stamping out public corruption and the political weaponization…
&mdash; Dan Bongino (@FBIDDBongino) <a href="https://twitter.com/FBIDDBongino/status/1949125573055332672?ref_src=twsrc%5Etfw">July 26, 2025</a></blockquote>
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Despite not providing&nbsp;a timeline for when the&nbsp;public might be informed about these findings, Bongino emphasized that significant developments are taking place behind the scenes, even though his public visibility has reduced since his podcast days.
Also Read: <a href="https://www.benzinga.com/news/politics/25/07/46382248/jeffrey-epstein-case-ex-trump-white-house-lawyer-says-pam-bondi-isnt-going-anywhere-amid-power-struggle">Jeffrey Epstein Case: Ex-Trump White House Lawyer Says Pam Bondi Isn&#8217;t Going Anywhere Amid Power Struggle</a>
&#8220;We&nbsp;are going to conduct these&nbsp;righteous and proper investigations by&nbsp;the book and in accordance&nbsp;with the law,&#8221; he reassured in the post, promising a dignified and honest pursuit of truth.
"We are going to get the answers WE ALL DESERVE. As with any investigation, I cannot predict where it will land, but I can promise you an honest and dignified effort at truth. Not ‘my truth,' or ‘your truth,' but THE TRUTH," he added further in the post. 
Why It Matters:&nbsp;The revelations by Deputy Director Bongino underscore the seriousness of the corruption issues within the government. These findings, while disturbing, are crucial in ensuring transparency and accountability in the government. 
The ongoing investigations, conducted in strict adherence to the law, are a testament to the FBI&#8217;s commitment to upholding justice. 
While the specifics of the corruption and weaponization issues remain undisclosed, the public can expect to be informed in due course as the investigations progress. 
Bongino&#8217;s assurance of conducting these investigations &#8220;by the book&#8221; reinforces the FBI&#8217;s dedication to a fair and lawful pursuit of truth.
Read Next
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Image: Shutterstock/Christopher Halloran

Dan Bongino Stunned by FBI's Recent Corruption Findings: 'I'll Never Be the Same After Learning What I've Learned'

A former CIA officer has debunked claims made by&nbsp;Director of National Intelligence Tulsi&nbsp;Gabbard. Gabbard had previously accused the Obama administration of manipulating Russian intelligence to undermine Trump&#8217;s 2016 election victory.
What Happened:&nbsp;According to a report, Susan Miller, a CIA veteran, dismissed Gabbard&#8217;s allegations. 
Miller, who was part of the team that compiled the 2019 Mueller report, said in an interview with CNN, &#8220;We&nbsp;definitely had the intel to&nbsp;show with high probability that&nbsp;the specific goal of the&nbsp;Russians was to get Trump&nbsp;elected.&#8221;
As <a href="https://transcripts.cnn.com/show/skc/date/2025-07-25/segment/01">per</a> the report, Miller further clarified that during the investigation, they were only directed to &#8220;look at the data&#8221; and no one influenced the conclusions of the report. She added that if&nbsp;there had been any pressure,&nbsp;she and her team would have resigned.
"What Tulsi is saying is we only want to hear anything that's pro-Trump, pro-Trump policy, pro-this, pro-current Republican Party, from any of our intel services. And if we hear anything that's not that? Then we're going to come after you," Miller added. 
Also Read: <a href="https://www.benzinga.com/news/25/02/43758634/mary-trump-warns-dni-gabbard-could-lead-to-catastrophic-outcome-a-known-russian-asset-defender-of-murderous-dictator-assad">Mary Trump Warns DNI Gabbard Could Lead To &#8216;Catastrophic Outcome&#8217;: &#8216;A Known Russian Asset,&#8217; Defender of &#8216;Murderous Dictator&#8217; Assad</a>
"We looked at everything, and we're being now told that we somehow did it wrong," she continued. 
On July 18, Gabbard released a report&nbsp;claiming that the Obama administration&nbsp;had fabricated the &#8220;Russia hoax,&#8221; labeling it a &#8220;treasonous conspiracy.&#8221; Despite criticism from former President Obama and others, Gabbard has continued to stand by her claims.
Miller&#8217;s statements contradict Gabbard&#8217;s &#8220;evidence,&#8221; aligning with a&nbsp;bipartisan 2020 Senate Intelligence Committee&nbsp;report that also concluded Russia had attempted to influence the 2016 presidential election in Trump&#8217;s favor.
Why It Matters: This development adds a new layer to the ongoing debate over Russian interference in the 2016 presidential election. 
Gabbard&#8217;s allegations against the Obama administration had stirred controversy, with her report being heavily criticized by several political figures, including former President Obama. 
Miller&#8217;s refutation of Gabbard&#8217;s claims, backed by the&nbsp;2020 Senate Intelligence Committee report, challenges the validity of Gabbard&#8217;s accusations and reiterates the conclusion that Russia did attempt to influence the election in Trump&#8217;s favor.
Read Next
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Image: Shutterstock/Maxim Elramsisy

Ex-CIA Officer Refutes Gabbard's Claim Against Obama: 'We Had Intel To Show That Specific Goal of Russians Was To Get Trump Elected'

A recent episode of &#8220;<a href="https://www.youtube.com/watch?v=GVJJUc2oiHY">The Ramsey Show</a>&#8221; sparked frustration and sympathy after a caller revealed she was accidentally overpaid $48,000 by her employer—and now, nearly a year later, the company wants the full amount returned.
Rachel from Nashville said she and her husband had taken Dave Ramsey&#8216;s course last fall and were making major progress <a href="https://www.benzinga.com/money/how-to-pay-off-debt">paying down debt</a>. But in October, her large corporate employer made a huge payroll error, mistakenly paying her $48,000 in gross income she wasn't owed.
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The conversation that followed was somewhat confusing for both the hosts and the caller, as they tried to sort through the tangled details. One YouTube viewer summed up the chaotic conversation with a comment that captured the mood: &#8220;This conversation was worse than a tooth extraction.&#8221;
<h2 class="wp-block-heading">Tax Confusion And Delays Made It Worse</h2>
&#8220;I told them before it hit my bank account,&#8221; she explained. &#8220;Unfortunately, it was too far gone at that point.&#8221;
She said the net amount she received was $28,000 after taxes. Only about $3,300 of that was her actual paycheck. And even though she flagged the mistake immediately, it took the company 10 months to send her a repayment letter.
Trending: Accredited Investors: Grab Pre-IPO Shares of the AI Company Powering Hasbro, Sephora &amp; MGM—<a href="https://www.benzinga.com/money/rad-intel">Just $0.63 Before NASDAQ Launch</a>
Because the issue crossed into a new tax year, the employer is now asking her to repay the full gross amount, including $23,000 in taxes that were already sent to the IRS.
&#8220;It was taxed in my 2024 tax return,&#8221; she said, adding that the tax hit came out of pocket. To make things more confusing, the employer is offering to deduct 15% of her future paychecks until the debt is repaid.
Ramsey broke it down directly: &#8220;You don't pay more than what you actually owe.&#8221;
He explained that she should only repay what she physically received – about $24,000, after accounting for her real paycheck –&nbsp; and the rest should come back from the IRS once her taxes are corrected.
&#8220;You paid $23,000 more in taxes than you should have,&#8221; Ramsey said. &#8220;You should get all of that back.&#8221;
See Also: Warren Buffett once said, "If you don't find a way to make money while you sleep, you will work until you die."<a href="https://www.benzinga.com/money/warren-buffet-make-money-when-you-sleep"> Here&#8217;s how you can earn passive income with just $10.</a>
<h2 class="wp-block-heading">The IRS Will Likely Have To Return The Tax Overpayment</h2>
Ramsey told her to have the company file an amended W-2 and to make sure her tax preparer files an amended return, so she can recover the $23,000 she never should have paid.
&#8220;If your CPA doesn&#8217;t know how to do that, get a new CPA,&#8221; he said. &#8220;This is not rocket science.&#8221;
Co-host Ken Coleman criticized the company for taking so long to fix its mistake: &#8220;A big company that has all the resources in the world to fix this, and they didn&#8217;t fix it quickly. Hate that for her, but it is fixable.&#8221;
Ramsey said that in his own business, if they accidentally overpay someone a few thousand dollars, they often just let it go. &#8220;You know what we do? Eat it. Just keep the money. We&#8217;re so stupid. We did this. We&#8217;re going to <a href="https://www.benzinga.com/money/pay-taxes-with-credit-card">pay the stupid tax</a> and we&#8217;re going to fix it. &#8220;
Read Next: Many are using retirement income calculators to check if they&#8217;re on pace —<a href="https://www.benzinga.com/money/how-do-i-calculate-my-retirement-income-adv"> here&#8217;s a breakdown on what&#8217;s behind this formula.</a>
Image: Shutterstock

Dave Ramsey Caller Was Overpaid $48,000 By Her Employer. Now They Want It Back—'This Conversation Was Worse Than A Tooth Extraction'

In a move that could significantly impact preventive health services, HHS Secretary Robert F. Kennedy Jr. is reportedly considering the dismissal of all members of a crucial advisory committee.
What Happened: Kennedy is contemplating the removal of the entire&nbsp;United States Preventive Services Task&nbsp;Force (USPSTF). 
The USPSTF is an influential group of independent medical and public health professionals who volunteer to scrutinize scientific research on diseases and preventive health services.
Speaking with NBC News, Andrew Nixon, a spokesperson for the Department of Health and Human Services (HHS), confirmed on Friday that &#8220;no&nbsp;final decision has been made&nbsp;on how the USPSTF can&nbsp;better support HHS' mandate to&nbsp;Make America Healthy Again.&#8221;
Earlier this month, Kennedy raised eyebrows among task force members by unexpectedly postponing a meeting centered on heart disease prevention, without offering a reason or rescheduling details, reports <a href="https://www.nbcnews.com/health/cancer/rfk-jr-considering-firing-task-force-cancer-screening-rcna221188">the</a> outlet.
Also Read: <a href="https://www.benzinga.com/news/health-care/25/06/45898417/rfk-jr-appoints-vaccine-critics-to-cdc-vaccine-panel-after-firing-entire-advisory-committee-report">RFK Jr. Appoints Vaccine Critics To CDC Vaccine Panel After Firing Entire Advisory Committee: Report</a>
The USPSTF plays a pivotal role in ensuring&nbsp;access to screenings and tests, as the Affordable Care Act&nbsp;mandates that most private insurers&nbsp;provide the services recommended by the group at no cost.
The task force has previously faced backlash&nbsp;from conservative groups for some&nbsp;of its decisions, including its &#8220;A&#8221;&nbsp;recommendation to cover the HIV&nbsp;prevention pill, PrEP.
The specific areas of health care that Kennedy might target by restructuring the panel remain uncertain. In June, he dismissed&nbsp;all 17 members of the&nbsp;Advisory Committee on Immunization Practices&nbsp;and replaced them with eight&nbsp;new members, including well-known vaccine critics.
Why It Matters: The potential dismissal of the entire USPSTF could have far-reaching implications for preventive health services in the United States. 
The task force&#8217;s recommendations influence the preventive services covered by private insurers, impacting millions of Americans. 
The move also raises questions about the future direction of preventive health policy under Kennedy&#8217;s leadership, particularly given his previous dismissal and replacement&nbsp;of the Advisory Committee on&nbsp;Immunization Practices.
Read Next
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Image: Shutterstock/lev radin

RFK Jr. Ponders Overhaul of Key Preventive Health Advisory Committee

A high salary does not guarantee that you will <a href="https://www.tiktok.com/@grantcardone/video/7528076206760021279?lang=en">build multi-generational wealth</a> for your children. What you do with your money can build wealth, and that's a key lesson Grant Cardone shared in a recent video.
"Wealth does not stop. Rich stops," Cardone explained.
Here's how you can use this insight to approach your finances differently and set the stage for multi-generational wealth.
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<h2 class="wp-block-heading">Your Wealth Can Outlive You</h2>
Cardone started the clip by mentioning that Walmart (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/WMT#NYSE">WMT</a>) founder Sam Walton still has five children who are on the billionaires list. His children are still on that list because Walton built the largest global retailer.
Walmart continues to generate positive cash flow for its heirs. While Walton doesn't earn any additional income, his assets have outlived him. Those assets continue to provide wealth for his children.
You can start a business and then hand it off to your children in the future. That's building wealth. You can also make a six-figure salary, but that salary vanishes the moment you pass away or can no longer fulfill the job's responsibilities due to age or another factor. It's also possible to get laid off from your job, while you have more control over your financial destiny if you start a business.
Trending: This AI-Powered Trading Platform Has 5,000+ Users, 27 Pending Patents, and a $43.97M Valuation — <a href="https://www.benzinga.com/money/finally-a-fully-automated-trading-platform-for-individual-investors?">You Can Become an Investor for Just $500.25</a>
<h2 class="wp-block-heading">Your Wealth Gets Split Up After Death</h2>
Cardone also mentioned that your wealth will get taxed and split up after you pass away. If you built your fortune on a rich salary with no assets, your children may not see a lot of it. Estate taxes and local taxes can also come into play, further reducing the inheritance you provide for your children.
That's why starting a business is valuable. The cash flow continues to arrive, and your heirs can improve the business to boost its profits. If you don't start a business, you can also invest in assets like stock and real estate that generate income.
It's better to be reminded of how your money will be taxed and split up when you pass your inheritance on to your heirs. It can give you the extra motivation to invest in passive assets and start a company that your children can inherit.
See Also: <a href="https://www.benzinga.com/money/are-you-rich">Are you rich?</a> Here&#8217;s what Americans think you need to be considered wealthy.
<h2 class="wp-block-heading">Build A Brand</h2>
Cardone wraps up the video clip by explaining that he's building a brand. He believes people will continue to talk about him for 50 years after he passes away. That type of brand will give his children more options. They can expand his work and continue to generate income from the company that he continues to build.
It's easier to build a brand than ever before. You don't have to invest in supplies, retail locations, or any high-budget items. You can get started by creating a website, offering services that you can scale, producing content, and interacting with people on social media.
Those efforts won't guarantee that you build a successful brand. However, if you are strategic about your core services, how you will identify your target customers, what marketing channels you use, and how you guide people along the customer journey, it's possible to develop a successful brand.
Read Next: Warren Buffett once said, "If you don't find a way to make money while you sleep, you will work until you die."<a href="https://www.benzinga.com/money/warren-buffet-make-money-when-you-sleep"> Here&#8217;s how you can earn passive income with just $10.</a>
Image: Shutterstock

'Wealth Does Not Stop. Rich Stops.' -- Grant Cardone Explains How To Build Multi-Generational Wealth

President Donald Trump has demanded legal action against former Vice President Kamala Harris, Beyonce, Oprah Winfrey, and Al Sharpton, citing alleged campaign finance violations.
What Happened: Donald Trump has accused these individuals of unlawfully receiving funds from the Harris campaign. Trump made these allegations in a <a href="https://truthsocial.com/@realDonaldTrump/posts/114922194000687458">post</a> on Truth Social late Saturday.
Trump alleges that the Democrats owe a significant amount of money post the Presidential Election, accusing them of paying Beyonce, Oprah, and Sharpton large sums for endorsements. 
&#8220;I'm looking at the large amount of money owed by the Democrats, after the Presidential Election, and the fact that they admit to paying, probably illegally, Eleven Million Dollars to singer Beyoncé for an ENDORSEMENT (she never sang, not one note, and left the stage to a booing and angry audience!), Three Million Dollars for "expenses," to Oprah, Six Hundred Thousand Dollars to very low rated TV "anchor," Al Sharpton (a total lightweight!), and others to be named for doing, absolutely NOTHING! These ridiculous fees were incorrectly stated in the books and records. YOU ARE NOT ALLOWED TO PAY FOR AN ENDORSEMENT. IT IS TOTALLY ILLEGAL TO DO SO,&#8221; Trump wrote in the post. 
He further claimed that these payments were illegal and inaccurately recorded&nbsp;in the books and records.
Also Read: <a href="https://www.benzinga.com/news/politics/25/07/46264859/ex-trump-family-attorney-raises-alarms-over-trumps-actions-as-president-i-have-never-been-as-concerned">Ex-Trump Family Attorney Raises Alarms Over Trump&#8217;s Actions as President: &#8216;I Have Never Been As Concerned&#8217;</a>
However, the source of these figures remains unclear. According to campaign finance records,&nbsp;Beyonce's production company, Parkwood Entertainment,&nbsp;received&nbsp;$165,000 for her appearance at&nbsp;an Oct. 26 rally in&nbsp;Houston. 
Harpo Productions, Oprah's production company, was paid $1 million for&nbsp;a live-streamed town hall in&nbsp;Michigan. Sharpton's National Action Network&nbsp;received $500,000 for voter mobilization initiatives.
This&nbsp;is not the first time&nbsp;Trump has made such allegations, but&nbsp;it is the first time&nbsp;he has demanded criminal prosecutions. He had previously raised questions about the legality of such payments in posts made in December and May.
Why It Matters: These allegations come at a time when campaign finance laws are under scrutiny. If proven true, these could have serious implications for the individuals involved and could potentially impact future campaign finance regulations. 
However, the lack of clarity on the source of Trump&#8217;s figures and the absence of any formal investigation raises questions about the credibility of these allegations. The situation warrants close monitoring as it unfolds.
Read Next
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Image: Shutterstock/Charles-McClintock Wilson

Trump Calls for Legal Action Against Kamala Harris, Beyonce, Oprah Over Alleged Campaign Finance Violations: 'They Should All Be Prosecuted!'

NASA is preparing to shrink its workforce by approximately 20%, with nearly 4,000 civil servants expected to depart through a voluntary resignation program aimed at streamlining operations under the Donald Trump administration's broader <a href="https://www.benzinga.com/news/space/25/07/46647024/nasa-confirms-major-workforce-reduction-1-in-5-employees-expected-to-leave" target="_blank" rel="noreferrer noopener">federal workforce reduction plan</a>.
The space agency announced on Friday that an estimated 3,870 employees will exit, bringing the total number of civil servants down to around 14,000 by the end of the year.
The departures are part of the Deferred Resignation Programme, initiated as part of a larger Trump-era push for government efficiency, <a href="https://www.scmp.com/news/world/united-states-canada/article/3319673/nasa-slash-workforce-one-fifth-amid-efficiency-drive?module=perpetual_scroll_0&amp;pgtype=article" target="_blank" rel="noreferrer noopener">reports</a> the South China Morning Post.
Also Read:<a target="_blank" href="https://www.benzinga.com/trading-ideas/long-ideas/25/07/46648171/benzingas-stock-whisper-index-5-stocks-investors-secretly-monitor-but-dont-talk-about-yet-75" rel="noreferrer noopener"> Benzinga&#8217;s &#8216;Stock Whisper&#8217; Index: 5 Stocks Investors Secretly Monitor But Don&#8217;t Talk About Yet</a>
NASA emphasized that the figures could still fluctuate as applications are reviewed and some employees may withdraw or be denied participation. Officials noted that the agency had also accounted for roughly 500 employees leaving through regular attrition during the same period.
The agency first launched a voluntary exit initiative early in the Trump administration.
That initial round, which began with agency-wide emails offering buyouts, led to the departure of 870 staff—about 4.8% of the total workforce at the time.
The latest round began in June, with a deadline to opt in by late July. NASA reported that 16.4% of its current staff accepted the offer.
Former acting administrator Janet Petro stated during a June town hall that the goal was to avoid forced layoffs. "The reason we are doing this is to minimise any involuntary workforce reductions in the future," Petro told employees, according to a leaked recording, South China Morning Post added.
Despite concerns about institutional knowledge loss, NASA leadership affirmed its commitment to exploration goals, including missions to the Moon and Mars.
In its public statement, the agency said, "Safety remains a top priority for our agency as we balance the need to become a more streamlined and more efficient organisation," the report adds
However, the plan has sparked internal backlash.
In a letter titled &#8220;The Voyager Declaration,&#8221; hundreds of past and present NASA employees warned newly appointed interim administrator Sean Duffy—who also heads the Department of Transportation—that widespread resignations could compromise both safety and innovation. 
The letter stated, "Thousands of Nasa civil servant employees have already been terminated, resigned or retired early, taking with them highly specialised, irreplaceable knowledge crucial to carrying out Nasa's mission."
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Equities

Movers

General

NASA Eyes Leaner Future as 4,000 Staff Prepare To Exit

Facebook co-founder Dustin A. Moskovitz who is now the Director of Asana, Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ASAN#NYSE">ASAN</a>), has increased his stake in the company by acquiring 225,000 shares.
What Happened: The shares were purchased on Wednesday, July 23rd at an average price of $15.04 per share, amounting to a total investment of $3,384,000.00. 
Following this transaction, Moskovitz&#8217;s total holdings in Asana now stand at 54,405,999 shares, valued at approximately $818,266,224.96. 
This acquisition signifies a 0.42% increase in Moskovitz&#8217;s ownership of Asana&#8217;s stock. The transaction details were&nbsp;disclosed in a legal filing&nbsp;with the SEC, which is&nbsp;accessible on the SEC website.
As per Benzinga <a href="https://www.benzinga.com/sec/insider-trades">Insider</a>, Asana&#8217;s shares experienced a slight dip on Friday, trading down $0.05 to reach $14.90. The company&#8217;s current ratio stands at 1.47, with&nbsp;a quick ratio of 1.47&nbsp;and a debt-to-equity ratio of&nbsp;0.16. 
The firm&#8217;s 50-day moving average is $15.04, while&nbsp;its 200-day moving average is&nbsp;$16.85.
Also Read: <a href="https://www.benzinga.com/trading-ideas/movers/25/06/45758525/asana-stock-climbs-on-mixed-q1-earnings-earnings-beat-revenues-miss">Asana Reports Q1 Earnings: Earnings, Revenues Beat&nbsp;</a>
Asana&#8217;s most recent quarterly earnings results, released on Tuesday, June 3rd,&nbsp;reported $0.05 earnings per share&nbsp;(EPS) for the quarter, surpassing analysts&#8217;&nbsp;consensus estimates of $0.02 by&nbsp;$0.03. 
The firm&#8217;s revenue for the quarter was $187.63 million, slightly above&nbsp;the consensus estimate of $185.40&nbsp;million.
This move by Moskovitz, a key figure in the company, could be seen as a vote of confidence in Asana&#8217;s future prospects. It comes at a time when institutional investors have been actively trading the company&#8217;s shares. 
For instance, Blue Trust Inc. increased its holdings in&nbsp;Asana by 13.7% during the&nbsp;second quarter. Other investors who have recently traded Asana&#8217;s shares include 111 Capital,&nbsp;GC Wealth Management RIA LLC, Catalyst Private Wealth LLC, and Harbor Capital Advisors Inc.
Read Next
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Image: Shutterstock/FellowNeko

Markets

ASAN

Facebook Co-Founder Dustin Moskovitz Just Doubled Down on Asana With a Big Stock Buy

After more than a year of tight lending and <a href="https://www.benzinga.com/topic/interest-rate">high borrowing costs</a>, there are some early signs that access to credit might be loosening. For investors watching consumer resilience, this could offer a small but notable shift in the broader economic picture. <a href="https://www.benzinga.com/money/refinancing-questions">Mortgage refinancing, in particular</a>, saw a big move last month, giving potential borrowers a reason to reengage.
Rejection rates dropped to 15% in June, down from 42% in February. That February figure was the highest on record going back to 2013. Auto loan rejections were also down, falling to 7% in June from 14% earlier in the year.
<h2 class="wp-block-heading">A Look at Consumer Expectations</h2>
The <a href="https://www.reuters.com/business/finance/ny-fed-survey-finds-easier-access-auto-loans-mortgage-refinancing-2025-07-21/">data</a> comes from the Fed's Survey of Consumer Expectations, which tracks how households feel about credit access, inflation, and their financial outlook. Fewer people reported holding back from applying for credit because they expected to be turned down. That share, often referred to as discouraged borrowers, dropped from 8.5% in February to 7.2% in June.
At the same time, people said they'd be more likely to face a surprise $2,000 expense, but also felt more capable of covering it. Overall debt burdens remain a concern in other parts of the Fed's data, but consumer financial conditions still look relatively stable, especially given the impact of elevated interest rates.
While it&#8217;s too soon to call this a trend, the June survey offers a snapshot of slightly easier credit conditions that investors <a href="https://www.benzinga.com/money/how-to-create-a-budget">watching household spending</a> may want to track.
How this plays out over the next few months will depend on a mix of consumer behavior, lender confidence, and broader economic signals. Credit conditions often shift gradually, and even small changes can influence how people spend, save, or borrow. For now, the latest data suggests a subtle shift worth monitoring.
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Photo: Shutterstock

Financial Advisors

Auto Loan Rejections Cut In Half Since February, Survey Finds

Some people will happily take a stressful, high-paying job. The salary is too difficult for most people to pass, especially if they view the role as a temporary position. Some people embrace the golden handcuffs for a few years, save their money, and then look for jobs with more reasonable expectations.
A wife in her mid-twenties finds herself in that position. She makes $300,000 per year at a startup and has held that position for about six months. However, she's already feeling burned out.
She told Reddit that she keeps getting the idea that she "sold [her] soul" for this position. She then turned to high earners for advice on <a href="https://www.reddit.com/r/HENRYfinance/comments/1m4o2gy/how_do_you_remain_resilient_in_a_high_stress_job/">sticking it out with a stressful job</a> that pays well. She received plenty of suggestions in the comments.&nbsp;
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</ul>
<h2 class="wp-block-heading">It Gets Easier Over Time</h2>
A fast-moving startup can feel overwhelming when you're new to the role, but it may get easier over time. Stress and pressure can make you more productive and help you learn how to adjust when necessary. It also helps that the wife doesn't have any children yet, so she has more time to commit to her career.
"Give yourself the opportunity to really get good enough at something that it begins to feel easier. Try to identify parts of your role that feel unclear or just new, and focus on learning those skills. Otherwise, just trust the process and let time do its thing," one commenter suggested.&nbsp;
The wife acknowledged that she's learning certain tasks and parts of the job as she goes. As she builds this knowledge, she will gradually feel less stressed about the fast-paced environment. It won't be stress-free, but it will be less stressful over time.
Trending: Accredited Investors: Grab Pre-IPO Shares of the AI Company Powering Hasbro, Sephora &amp; MGM—<a href="https://www.benzinga.com/money/rad-intel">Just $0.63 Before NASDAQ Launch</a>
<h2 class="wp-block-heading">Practice Self-Care</h2>
Finding some time in each day to practice self-care can make it easier to navigate a stressful workplace. One Redditor suggested making time to exercise and meditate each day. You don't have to exercise for too long. A simple 15 to 20 minute workout can do wonders for your dopamine and mindset.&nbsp;
Meditating can also work wonders, as staying still for a few minutes can make you feel calm. It's like giving yourself a reset that can help you tackle the next set of tasks.&nbsp;
The same Redditor who suggested exercising and meditating also recommends writing down everything that you have to do. Getting your tasks out of your head can calm your mind and ensure you approach each day with a plan instead of winging it. Writing your daily tasks on a sheet of paper is similar to going to a grocery store with a shopping list. That list helps you stay organized and ensures that you prioritize the essentials. The wife can take the same concept and apply it to her job.
See Also: Warren Buffett once said, "If you don't find a way to make money while you sleep, you will work until you die."<a href="https://www.benzinga.com/money/warren-buffet-make-money-when-you-sleep"> Here&#8217;s how you can earn passive income with just $10.</a>
<h2 class="wp-block-heading">You Don't Have To Care As Much As The CEO</h2>
One Redditor suggested that the wife doesn't have to care as much about the startup as she currently does. That doesn't mean slacking off, but you can still get a lot done without feeling the same pressure as the startup's CEO.
The Redditor said that his mentality has shifted from "I need to do whatever it takes to get this done" to "If the company cared, they would hire more people."&nbsp;
The commenter acknowledged that this mentality works better in a mega corporation than a startup, but it's a valuable lesson. Freeing yourself from the need to be perfect can result in less stress without sacrificing the quality of your work.
Read Next: Can you guess how many retire with a $5,000,000 nest egg? <a href="https://www.benzinga.com/money/5mil-nest-egg-adv">The percentage may shock you</a>.
Image: Shutterstock

'Sold My Soul' – C-Suite Executive Asks How People Remain Resilient In High-Stress Jobs

Elon Musk's brain-tech company Neuralink briefly claimed it was a &#8220;small disadvantaged business&#8221; in a federal filing—just weeks before <a href="https://www.benzinga.com/general/health-care/25/05/45634160/elon-musks-neuralink-hits-9-billion-valuation-with-new-funding">raising $650 million</a> and being valued at more than $9 billion.
<h2 class="wp-block-heading">Filed As Disadvantaged, Then Valued In Billions</h2>
The SDB box was checked on an April 24 federal <a href="https://search.certifications.sba.gov/profile/JGGFP357J8B8/7VRH1?page=1">filing</a> with the Small Business Administration, a time when <a href="https://www.benzinga.com/media/25/02/43805137/elon-musk-defends-doge-initiatives-says-his-role-is-to-provide-trump-with-tech-support-if-the-bureaucracy-is-fighting-the-will-of-the-people">Musk was heading</a> the Trump administration's Department of Government Efficiency. Under SBA <a href="https://www.sba.gov/federal-contracting/contracting-assistance-programs/small-disadvantaged-business">rules</a>, that status is supposed to apply to companies that are at least 51% owned by socially and economically disadvantaged individuals. It can result in easier access to federal contracts.
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Neuralink later said the filing was a mistake. &#8220;Neuralink has never applied for nor received a benefit from the federal government. The box on the SAM.gov was erroneously checked and has since been updated,&#8221; a company spokesperson told <a href="https://www.cnbc.com/2025/07/17/elon-musks-neuralink-says-owned-by-disadvantaged-persons-in-filing.html">CNBC</a> on July 19.
According to Neuralink's profile on SBA.gov, the company currently has no active or former SBA certifications, despite being self-registered as an SDB. The agency notes that such self-attestations are not verified by SBA.
The filing listed Jared Birchall as the contact. Birchall also runs Musk's family office.
Trending: Accredited Investors: Grab Pre-IPO Shares of the AI Company Powering Hasbro, Sephora &amp; MGM—<a href="https://www.benzinga.com/money/rad-intel">Just $0.63 Before NASDAQ Launch</a>
<h2 class="wp-block-heading">Human Trials, Bold Claims</h2>
Neuralink has implanted its brain-computer interface device <a href="https://www.benzinga.com/markets/tech/25/07/46537319/elon-musk-says-neuralink-will-do-life-changing-good-for-billions-as-company-successfully-adds-9-bci-implants-targets-20-by-end-of-2025">into nine human patients</a>, and aims to reach 20 implants by the end of the year. The company recently completed two surgeries in a single day for the first time.
&#8220;Neuralink will do live-changing good for ultimately millions, maybe billions, of people,&#8221; Musk <a href="https://x.com/elonmusk/status/1947346507927326761">said on X</a> on July 21. &#8220;Imagine your loved one being able to walk again or your parent with dementia being able to recognize their child again.&#8221;
Co-founder DJ Seo <a href="https://x.com/djseo/status/1947343233492701396">confirmed</a> the goal: &#8220;Our goal is at least 20 before the end of 2025.&#8221;
The company is also <a href="https://www.benzinga.com/markets/tech/25/06/46020319/elon-musk-says-neuralinks-blindsight-implant-will-help-people-see-radar-infrared-like-a-superpower-ahead-of-human-trial-next-year">planning human trials</a> of its vision-restoring &#8220;Blindsight&#8221; implant in the United Arab Emirates by 2026.
See Also: Warren Buffett once said, "If you don't find a way to make money while you sleep, you will work until you die."<a href="https://www.benzinga.com/money/warren-buffet-make-money-when-you-sleep"> Here&#8217;s how you can earn passive income with just $10.</a>
<h2 class="wp-block-heading">Criticism And Big Backers</h2>
Despite the progress, Neuralink <a href="https://www.benzinga.com/news/health-care/25/06/46160805/elon-musk-says-clear-path-to-restoring-hearing-with-neuralink-but-the-deaf-community-want-to-have-their-say">has faced criticism</a>, including from the deaf community, after Musk claimed the tech could help restore hearing.
Neuralink's backers include major investors like Cathie Wood's ARK Invest, Founders Fund, Sequoia Capital and Thrive Capital. The $650 million Series E round closed in June.
The company says it is building ultra-high-bandwidth brain-machine interfaces and is actively hiring engineers in San Francisco. Founded in 2016 and incorporated in Nevada, Neuralink lists its focus as biotechnology R&amp;D.
Read Next: <a href="https://www.benzinga.com/money/are-you-rich">Are you rich?</a> Here&#8217;s what Americans think you need to be considered wealthy.
Image: Shutterstock

Elon Musk's Neuralink Claimed 'Small Disadvantaged Business' Status—Right Before Venture Investors Gave It A $9 Billion Valuation

A recent poll has uncovered that a significant number of Americans would willingly forsake love, betray friends, and even risk their own lives for a million-dollar windfall.
The <a href="https://studyfinds.org/would-you-leave-your-partner-for-million-dollars/">survey </a>conducted by online casino deals tracker Gamblizard disclosed that over 40% of Americans would willingly part ways with their romantic partners for a million dollars.
Almost half of the participants, 46%, confessed they would risk their lives in a deadly game akin to the popular Netflix series &#8220;Squid Game&#8221; for a $33 million reward. 
Additionally, four out of ten Americans admitted they would drive a stranger to bankruptcy to secure the same amount for themselves.
Interestingly, the survey also revealed that 60% would renounce technology and adopt an off-grid lifestyle, and 41% would abstain from sex for a million-dollar paycheck. 
Also Read: <a href="https://www.benzinga.com/personal-finance/financial-advisors/25/06/46159347/us-credit-card-debt-hits-1-18-trillion-as-americans-downplay-what-they-owe">US Credit Card Debt Hits $1.18 Trillion As Americans Downplay What They Owe</a>
A shocking 15% admitted they would falsely implicate a friend in a crime they didn&#8217;t commit to obtain such a sum.
On the other hand, 10% of respondents said they would decline the money if they couldn&#8217;t share it, and 21% valued access to social media more than a million dollars. 
More than half would refuse the money if it was controlled by their parents, and 38% would reconsider if their adversary also stood to gain.
Why It Matters: These findings provide a fascinating insight into human psychology, suggesting that people&#8217;s moral boundaries may fluctuate as the incentives increase. 
However, some experts caution that these responses may underestimate the actual number of people who would follow through with these choices if presented with the opportunity.
Read Next
<a href="https://www.benzinga.com/news/politics/25/07/46510445/polls-most-americans-want-an-alternative-to-two-party-system-but-not-elon-musks">Polls: Most Americans Want an Alternative To Two-Party System — But Not Elon Musk&#8217;s</a>
Image: Shutterstock/ibragimova

Millions Over Morals: Survey Reveals Americans' Willingness To Sacrifice Love And Loyalty For Cash

A Reddit <a href="https://www.reddit.com/r/passive_income/comments/1kqx663/started_from_300_ive_made_3k5kmonth_with_ai_music/">user</a> claims they turned AI-generated music into a lucrative passive income stream, earning over $5,000 per month — despite their dearth of formal training in music production.
The user, who posted their story to the popular <a href="https://www.reddit.com/r/passive_income/">r/passive_income</a> subreddit, shared their journey from total novice to successful music creator using AI tools like <a href="https://www.benzinga.com/topic/chatgpt">ChatGPT</a> and <a href="https://www.benzinga.com/news/23/12/36319515/want-to-generate-your-own-ai-music-microsoft-copilots-suno-extension-lets-you-do-it-for-free">Suno</a>. The story may exemplify how technology is reshaping creative industries, allowing even those without traditional skills to monetize digital content, although responses in the comments to the hustle ranged from curious to suspicious.&nbsp;
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<h2 class="wp-block-heading">From Zero to $5K: Getting Started</h2>
The Redditor writes that they hadn't considered music a viable income source until a music agency offered to pay them to use one of their tracks on their anime YouTube channel. Intrigued, they spent weeks researching before stumbling upon Suno AI, a platform that generates music from text prompts.
By February 2024, they began experimenting with AI-generated tracks. By December, their earnings had surpassed $5,000 a month, all without singing, mixing or signing with a record label.
These are the steps they implement:
<ul class="wp-block-list">
<li>Lyrics via ChatGPT: They generate short, emotionally resonant lyrics – under 3,000 characters – using the AI chatbot.</li>
<li>Music made by Suno: After inputting the lyrics, they select a mood and style and create multiple song versions via Suno before picking the best one.</li>
<li>Distribution: Using distribution platforms like DistroKid and TuneCore, they upload the final tracks to platforms like Spotify, Apple Music and YouTube.</li>
</ul>
But making the tracks is only half the battle. The real key? Marketing.
Trending: This AI-Powered Trading Platform Has 5,000+ Users, 27 Pending Patents, and a $43.97M Valuation — <a href="https://www.benzinga.com/money/finally-a-fully-automated-trading-platform-for-individual-investors?">You Can Become an Investor for Just $500.25</a>
<h2 class="wp-block-heading">The Viral Playbook: Shorts, Reels, And $5 Ads</h2>
To drive streams, the Redditor operates six faceless YouTube Shorts and Instagram Reels channels, each targeting niches like K-dramas, anime and K-pop. Their strategy is to curate trending clips from Instagram, TikTok and Reddit; edit them lightly; and then pair the clips with the AI-generated tracks. They scale the posting from 2-4 shorts to 6-8 shorts daily, and boost the clips with Facebook Ads targeting low-cost countries to increase visibility on YouTube.
While some tracks "flop," others take off — sometimes unexpectedly. "One lo-fi song paired with a sad anime scene earned $1,000 in a single month," the Redditor writes. "It was uploaded to a throwaway channel."
Is AI music "cheating" the system?&nbsp;
When asked if AI-made music is &#8220;cheating,&#8221; the Redditor pushed back: &#8220;I write the lyrics with the help of ChatGPT. The music is generated in Suno based on those lyrics. These are original creations. I treat it like a startup. I build a product, distribute it everywhere, and let the system decide what catches on."
But other commentators said it was misleading to imply any real creativity had entered the process: "Insulting to call this ‘writing' music. You&#8217;re not even writing the words yourself!" a commentator responded. Another commentator, a struggling musician, had stronger words for the poster, who responded that "I&#8217;m sorry that you are having it hard. The jungle has no rules."
See Also: Warren Buffett once said, "If you don't find a way to make money while you sleep, you will work until you die."<a href="https://www.benzinga.com/money/warren-buffet-make-money-when-you-sleep"> Here&#8217;s how you can earn passive income with just $10.</a>
Several commenters pointed out that the original poster was selling a course on the practice, making them more skeptical of his claims: A redditor asks, "Why sell a course and saturate your niche field if it&#8217;s working so well? Especially if it&#8217;s scaling. This is always the question." The commenter also surmised that the poster's primary income came from the course, and not the AI music generation.&nbsp;
<h2 class="wp-block-heading">Volume Over Virality</h2>
Despite posting in a subreddit dedicated to passive income, the Redditor emphasizes that this is far from a &#8220;get-rich-quick&#8221; scheme. It's a volume game, and there's a lot of grinding involved: "This process isn't about going viral once. It's about compounding results through volume," they write.
And while their success raises a lot of ethical questions, it also underscores how AI is lowering barriers in creative fields, and that typically persistence — not perfection — is what can turn a side hustle into serious income.
Read Next: <a href="https://www.benzinga.com/money/are-you-rich">Are you rich?</a> Here&#8217;s what Americans think you need to be considered wealthy.

Redditor Claims AI-Generated Tracks Are Earning Them $5K A Month In Passive Income

Memecoin Shiba Inu&nbsp;(CRYPTO: <a class="ticker" href="https://www.benzinga.com/quote/shib/usd">SHIB</a>) is expected to outperform&nbsp;Dogecoin&nbsp;(CRYPTO: <a class="ticker" href="https://www.benzinga.com/quote/doge/usd">DOGE</a>) in the forthcoming bull cycle, as per analysts&#8217; predictions.
What Happened:&nbsp;Analysts, including Kevin Capital, a&nbsp;prominent Dogecoin observer, and a Finder report, indicate that SHIB could potentially eclipse&nbsp;DOGE as early as 2026&nbsp;or during the 2028–2029 cycle.
SHIB might surpass DOGE intensifying the rivalry between these two community-backed digital assets. Currently, DOGE has a market capitalization of $35.69 billion, while SHIB stands at $8.27 billion.
Under a&nbsp;scenario where SHIB grows three&nbsp;times faster than DOGE, price&nbsp;projections show a significant gap. 
If DOGE&#8217;s price increases&nbsp;1,000% to $2.61, SHIB would&nbsp;need to surge 3,000% from&nbsp;its current $0.00001404 to $0.000435,&nbsp;pushing&nbsp;its market cap to $256.32&nbsp;billion.
Also Read: <a href="https://www.benzinga.com/crypto/cryptocurrency/25/07/46508809/dogecoin-set-to-soar-2600-and-hit-1-trillion-market-cap-says-this-crypto-analyst">Dogecoin Set To Soar 2,600% and Hit $1 Trillion Market Cap, Says This Crypto Analyst</a>
Despite these optimistic predictions, SHIB faces several hurdles. It has yet to gain&nbsp;institutional adoption, with no asset&nbsp;managers filing for a SHIB&nbsp;spot ETF. 
The project&#8217;s&nbsp;anonymous development team raises questions&nbsp;about long-term governance and accountability,&nbsp;which are essential for sustained price growth.
Investors are urged to treat these projections with caution,&nbsp;as the 3x growth assumption&nbsp;relies on unverified catalysts such&nbsp;as broader market conditions, technological&nbsp;advancements, or regulatory changes. 
Meme coins are notoriously volatile, and past performance is not indicative of future results.
Read Next
<a href="https://www.benzinga.com/markets/cryptocurrency/25/02/43420393/analyst-forecasts-mammoth-200-surge-for-this-dogecoin-and-shiba-inu-competitor" target="_blank" rel="noreferrer noopener">Analyst Forecasts Mammoth 200% Surge for This Dogecoin and Shiba Inu Competitor</a>
Image: Shutterstock/CryptoFX

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Shiba Inu Could Surge 3,000% and Overtake Dogecoin by 2026, Say Analysts

Six seasoned Wall Street professionals have divulged their investment strategies if they were to receive a hypothetical windfall of $10,000.
Despite the market reaching record highs since April, these experts believe there are still numerous investment opportunities to be explored. 
They advise a diversified approach, encompassing tech stocks, value stocks, and international stocks, reports <a href="https://www.businessinsider.com/where-to-invest-10000-right-now-stock-market-advice-recommendations-2025-7">the </a>Insider. 
One of the experts, Santos, would allocate $7,000 to developed-market ex-US stocks and the remaining $3,000 to emerging-market stocks. 
She anticipates a significant shift for international equities, considering the high valuations on US stocks.
Bannister, another expert, pinpointed three areas of opportunity:&nbsp;value stocks, small-caps, and international&nbsp;stocks. He recently invested in these areas himself.
Also Read: <a href="https://www.benzinga.com/markets/bonds/25/05/45600819/global-bond-turmoil-a-shift-in-financial-markets-amid-rising-us-deficits">Global Bond Turmoil: A Shift in Financial Markets Amid Rising US Deficits</a>
Smith&nbsp;advocates for a broad market index for diversification. He proposes investing&nbsp;50-60% of the money into&nbsp;an equal-weight S&amp;P 500 fund and the remaining 40-50%&nbsp;into a more concentrated cap-weighted&nbsp;index like the tech-heavy Nasdaq&nbsp;100.
Kantrowitz&nbsp;advises&nbsp;investing in large-cap profitable leaders&nbsp;within their industries, while&nbsp;DeSpirito&nbsp;would divide&nbsp;his investment between large-cap growth&nbsp;companies, dividend stocks, and value&nbsp;stocks.
Lastly,&nbsp;Castleton&nbsp;recommended a three-pronged approach in equities: 60%&nbsp;into large-cap stocks with a&nbsp;bias toward tech, 20% into ex-US stocks, and 20% into mid-cap stocks.
These strategies offer a glimpse into the thought processes of Wall Street veterans when it comes to investing. Despite the market&#8217;s recent highs, they believe there are still opportunities for profit. 
Their recommendations highlight the importance of diversification and the potential of international stocks, value stocks, and tech stocks. 
These insights could prove valuable for investors looking to make the most of their own portfolios.
Read Next
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Got $10,000? Here's Where 6 Wall Street Titans Say You Should Invest

The past week has been a rollercoaster ride in the world of business and finance. From Elon Musk&#8216;s ambitious valuation for Tesla Inc. to skepticism over Tesla&#8217;s robotaxi, the week was filled with intriguing stories. Let&#8217;s dive into the top five stories that made headlines.
Elon Musk&#8217;s Trillion-Dollar Dream
Despite a decline in sales and revenue in the second quarter, Tesla CEO Elon Musk believes a $20 trillion valuation for the electric vehicle giant is achievable. Musk&#8217;s optimism comes amidst dwindling sales across multiple markets.
<a href="https://www.benzinga.com/markets/tech/25/07/46626447/elon-musk-says-20-trillion-valuation-possible-for-tesla-even-as-second-quarter-earnings-show-sales-r">Read the full article here.</a>
Skepticism Over Tesla&#8217;s Robotaxi
Gary Black, The Future Fund LLC's managing director, expressed doubts about the hype surrounding Tesla&#8217;s second supervised robotaxi test in San Francisco. Black questioned the scalability of Tesla&#8217;s Full Self-Driving (FSD) technology on a national level.
<a href="https://www.benzinga.com/markets/tech/25/07/46646636/gary-black-questions-tesla-robotaxi-hype-ahead-of-bay-area-launch-fsd-is-not-fully-autonomous-so-cant-be-scaled-nationally">Read the full article here.</a>
See Also: <a href="https://www.benzinga.com/markets/tech/25/07/46623210/elon-musk-slams-trump-for-axing-subsidies-on-renewable-energy-says-spacex-won-nasa-contracts-by-doing-a-better-job-for-less-money" target="_blank" rel="noreferrer noopener">Elon Musk Slams Trump For Axing Subsidies On Renewable Energy, Says SpaceX Won NASA Contracts ‘By Doing A Better Job For Less Money'</a>
Trump&#8217;s Trade Deal: A Tax On Americans?
Economist Justin Wolfers criticized President Donald Trump's new trade agreement with Japan, arguing that it essentially results in a tax increase for American consumers. Wolfers expressed skepticism about the potential benefits for US auto companies.
<a href="https://www.benzinga.com/markets/macro-economic-events/25/07/46622277/trumps-trade-deal-with-japan-a-tax-on-americans-economist-says-not-remotely-optimistic-us-auto-companies-will-gain-as-toyota-and-honda-stocks-rally">Read the full article here.</a>
GM&#8217;s EV Push
General Motors Co.&nbsp;announced that Chevrolet is now the second-largest electric vehicle brand in the U.S., with Cadillac ranking fifth in luxury EV sales. The company is making a $4 billion factory push to offset Trump tariffs.
<a href="https://www.benzinga.com/markets/equities/25/07/46564633/gm-says-chevy-is-now-the-no-2-ev-brand-in-us-4-billion-factory-push-to-offset-trump-tariffs">Read the full article here.</a>
BYD&#8217;s Sales Slip
Chinese EV giant&nbsp;BYD Co. Ltd.&nbsp;reported an 8% year-over-year slip in Chinese sales during June. The slip in sales comes as rivals like Xiaomi Corp and Xpeng Inc. gain in sales.
<a href="https://www.benzinga.com/markets/asia/25/07/46514949/tesla-rival-byds-domestic-sales-slip-8-in-june-analysts-slash-annual-delivery-projections-amid-ev-price-war-scrutiny">Read the full article here.</a>
Read Next:
<ul class="wp-block-list">
<li><a href="https://www.benzinga.com/markets/tech/25/07/46624776/gary-black-slams-tesla-over-disaster-second-quarter-earnings-says-he-would-pass-on-tsla-stock-calls-robotaxi-launch-kabuki-theater" target="_blank" rel="noreferrer noopener">Gary Black Slams Tesla Over ‘Disaster' Second Quarter Earnings, Says He Would Pass On TSLA Stock, Calls Robotaxi Launch ‘Kabuki Theater'</a></li>
</ul>
This story was generated using <a href="https://www.benzinga.com/author/benzinga-neuro">Benzinga Neuro</a> and edited by <a href="https://www.benzinga.com/author/ananya-gairola" target="_blank" rel="noreferrer noopener">Ananya Gairola</a>
Photo Courtesy: Frederic Legrand &#8211; COMEO On Shutterstock.com

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