A "Now Hiring" sign at the Appalachian State University internship and job fair in Boone, North Carolina, US, on Friday, Oct. 24, 2025. Allison Joyce | Bloomberg | Getty ImagesThe U.S. labor market ended 2025 on a soft note, with job creation in December less than expected, according to a report Friday from the Bureau of Labor Statistics.Nonfarm payrolls rose a seasonally adjusted 50,000 for the month, lower than the downwardly revised 56,000 in November and short of the Dow Jones estimate for 73,000. At th ...

Black Friday has supplanted Cyber Monday in online spending growth for the second year in a row, according to Adobe, with deal-hunting consumers getting an early start on their holiday shopping https://t.co/P6GzLewvfa ...

Black Friday sets online spending record of $11.8B, Adobe says https://t.co/uPl2OjfavE ...

Core Insights - Dave Ramsey emphasizes the importance of adapting financial strategies for 2025, focusing on budgeting for inflation, managing online spending, and maintaining investment strategies during uncertain times [1][2][3][7]. Group 1: Budgeting Strategies - Budgeting for inflation is crucial, as inflation has increased by approximately 25% over the past five years, meaning a cost of $1 now equates to $1.25 [3][4]. - For example, grocery budgets should be adjusted from $100 per week to $125 to reflect current inflation rates [4]. Group 2: Online Spending Management - Monitoring online spending habits is essential, with recommendations to delete shopping apps, think critically about purchases, and clear browser cookies to reduce targeted ads [5][6]. Group 3: Investment Strategies - Continuing to invest during market downturns is advised, as retirement investing is a long-term strategy that requires patience despite market fluctuations [7]. Group 4: Understanding Financial Goals - Defining the "why" behind financial goals is important for motivation and staying on track with budgeting and investments [8]. Group 5: Home Buying Advice - Ramsey suggests not waiting for lower rates or prices to buy a home, provided individuals are debt-free, have an emergency fund, and can afford the associated costs [9].

E-commerce & Retail Sales - Amazon's Prime Day sale contributed to a 30% increase in online spending across all US retailers [1] - The actual growth of 30% exceeded Adobe's estimated growth of 28% [1]

E-commerce Performance & Trends - US retailers saw nearly $8 billion in online spending on July 8th, a rise of almost 10% [1] - The event is twice as long (four days) and offers more than double the deals at 50% off or more [2] - Top categories include health and personal care, apparel, beauty, home, and kitchen [4] - Groceries and everyday essentials are the fastest-growing part of the store [6] AI & Personalization - Amazon is investing in AI, including Rufus, which is smarter about Prime Day and user interests [9][10] - AI-powered shopping guides are available for considered purchases like laptops [11] - Alexa Plus is rolling out, providing deal recommendations and alerts [11][12] Target Audience & Programs - Prime for young adults is 50% off, with an additional evergreen 5% discount, increased to 10% for Prime Day in categories like beauty, apparel, and electronics [13][14]

E-commerce & Retail Industry Trends - Adobe 预测显示，美国零售商的在线支出预计将因亚马逊 "Prime Day" 促销活动而达到创纪录的 238 亿美元 [1] Sales & Revenue Projections - 亚马逊 "Prime Day" 预计将推动在线支出增长 [1]