Investor's Edge with Gary Kaltbaum - Repercussions [01.20.2026]

Episode Date: January 20, 2026

Enjoying a healthy dinner that tastes great means eating out at a pricey restaurant, right? Wrong. Healthy Choice Simply steamers are delicious and healthy. The Tray-and-Tray steam technology delivers crisp veggies and tender protein and tasty selections like Healthy Choice Simply Steamers grilled chicken and broccoli alfredo. It's a satisfying meal with 28 grams of protein and nothing artificial. Healthy Choice Simply Steamers. What has to be able to eat?

at all tastes like. Investor's Edge with Gary Cultbaum. Straight talk about you and your money. Now from the BizTalk Studios, here is Gary Cultbaum. And welcome once again to Investors Edge. I'm Gary Coltbaum, your host. A thanks of being with us today. Glad you here, ladies and gentlemen.

Happy that you are listening. Maybe. It's Tuesday, January 20th, 2006. Hope you had a good three-day week. as in my world, it became a very eventful three-day weekend. And as always, we will cover it. In case you don't know, this is serious talk on everything that affects you.

The markets, the economy, your job, your industry, everything that matters. The Morlocks in D.C. and the never-ending news-driven Trump mania. Sometimes to the good, sometimes to the bad. We'll get into that. If you do not get this radio show in your city, we'll post it at garyk.com,

or post it on our X feed. And if you don't follow us on X, you should. Just put our name in. If you'd like to email us, just be nice. By the way, also the BizTv YouTube channel, as well as other podcast app. So what do we want to start? Well, we were 4-0 last week in football.

We're 3-1 this week in football, so we're 7-1. How's that? We told you. I had people email me tell me I was full of crap, and they used a different word. We've given out Super Bowl since 2000. I think we've lost 4 or 5. We were averaging in the mid-to-hundred,

70s, if not low 80s, in the playoffs. And we stopped doing it for a while. I don't know why we just did. I decided to do it again this year. 7 and 1. We would have gone 8 in 1 if I didn't realize that I could not give out the Miami Indiana game because we didn't do a live show yesterday. Our bet in Miami, Indiana was the over.

was 47, it came in at 48. And let me be clear about that. I fell asleep with nine minutes to go in the game. There was no way I thought it was going to be an over. And I get a message from my son before the game's over, I hear the phone go off. 48 points. I'm like, what? I look at the TV, which wasn't off.

They were at 48. So we'd have been 8 and 1. But for you, 7 and 1. But you know how crazy football is? We should have lost the Denver Buffalo game. Let's be clear. Buffalo won that game. The refs screwed Buffalo.

It was almost as obvious as the New Orleans when they were, when the wide receiver was knocked down like 10 minutes before the ball got to him and they didn't call pass interference a few years ago. And also, we should have lost that, but we should have won. The Chicago, we won the game, excuse me, the Chicago over, they were at the 10-yard line. How many times and couldn't run it in? Anyway, 7-1.

We'll have two games in the AFC and the NFC championship this coming weekend. we'll do those and then we'll have the Super Bowl so the worst we can be is 7 and 4 but we don't plan on losing and I get asked in the past how do we do this we just have a knack

sometimes it's the line movements just so you know whenever you see a football line go from like 8 to 5 that means everybody is betting on the one side go the other side do you know why because gamblers lose.

It's just the nature of the beast. So you just go against the masses. It's not 100%. Nothing's ever 100%. But how many times have I done this show? We gave you one because of that and it came in. Anyway, 7 and 1. We'll start with that.

Oh, yeah. Trump. So look, I have gotten very good at not blasting him. So I'm just going to say it the way with as much respect as possible for the presidency. We're not going to get into the things that really upset me, like his family making bazillions off of decisions out of D.C.,

but here we go again. And if I had the president's ear, I love saying it that way. If I was able to visit him at the White House in the Oval Office in front of the resolute desk, or in Mar-a-Lago, or on a golf course, because I love his golf courses. I would say, Mr. President, listen to me carefully. I know you're a billionaire. I know you've been very successful, measured by not only money, this beautiful Moralago, winning the presidency not just once but twice,

when you had the media 110% against you. You've built great golf courses, structures. And yeah, you've had some missteps and they blast you about bankruptcies, but I got to tell you, most big businessmen

have had troubles every now and then. But Mr. President, you're no longer playing with chandeliers at one of your hotels. You're no longer playing with how to set up a golf course. You're playing with Americans' lives. And you can talk blue in the face about how the great things you have done. You crash the market once with your Liberation Day tariffs and the massive uncertainty. And you can tell people that, No, you were forced to make the decision to get rid of the Liberation Day tariffs

because you were crashing the markets and the economy and commerce was going to stop. Why are you doing it again? You said the tariffs were for just trade. Now you're putting into geopolitical crap. Why? Why? Do you realize markets are fragile? do you realize the economy?

The economy is based on people. And if people can't make decisions, if people are afraid to make decisions, if people worry about uncertainty, there's a fine line on the markets and the economy. Oh, and by the way, you have an election this November where the Marxist party more than likely wins, but you're guaranteeing it.

And you're guaranteeing from day one they're going to impeach your ass. Yet now you put on more tariffs on all of Europe because they disagree with you? What happened to your great negotiating tactics? This is a tactic? No, it isn't. How about meeting with them? You were going to meet with them anyway in Davos. Why you put on tariffs?

meet with them, sit down with them, explain to them. Stop threatening them. In case you don't know, these people lead countries. I can guarantee you they have egos also. And I guarantee you they are cursing you out right now while trying to be as diplomatic as possible out front. You're again creating uncertainty. you're again creating worry.

And I can tell you from my little sampling, there's a lot of people that voted for you that are pissed off at you. Thank you for your time, Mr. President. I hope you make the right decisions. So you can read all the news, threaten more tariffs, over Nobel Peace Prize, over something Greenland, where, by the way, I know as fact,

the whole Republican Party is losing it right now over this Greenland thing. You may have a couple of them going on TV. Yeah, yeah, yeah, yeah, yeah. They're all losing it. Do you know why? They have elections also.

Now, I don't know exactly what the cause and effect was because I think there are two things going on. But the Dow dropped 870 today, the NASDAQ 561, the NASDAQ 100, 541. We'll expound up next on Investor's Edge. Hi, I'm Gary Kalbaum, hosted a nationally syndicated radio show Investors Edge. We're not just handsome radio people.

We manage investors' money for a living, specializing in fee-based discretionary money management. No big commissions, just a fee on the assets that's managed. We also provide a full range of personalized services, including retirement planning, fixed income, and educational needs. all to assist you in achieving your financial goals. Understanding not all individuals have the same needs, we'll carefully evaluate your personal goals

to determine a proper investment strategy. If your current approach to investing is not getting you to where you would like to be, call us to make an appointment for a complimentary portfolio review. The number to call is 888-4-2-5-59. That's 8-8-5-59. That's 888-4-2-2-2. 5-5-9. Investment Advisory Services offered through Colbomb Capital Management.

Guys, it's no use putting it off. The best time for an underwear refresh is now. Tommy John Underwear is designed for a perfect fit that stays put all day. Their zero-chafe thanks to four times more stretch than competing brands, and their innovative horizontal quick-drop fly is a game-changer. With over 30 million pairs sold, there are thousands of men out there more comfortable than you. Don't settle for less. tommyjohn.com today for 25% off your first order with code comfort. That's Tommyjohn.com code comfort. Tommy John. Comfort perfected. This message is brought to you by the Capital One

VentureX card. VentureX offers the premium benefits you expect, like a $300 annual Capital One travel credit for less than you expect. Elevate your earn with unlimited double miles on every purchase, bringing you one step closer to your next dream destination. Plus, enjoy access to over 1,000 airport lounges worldwide. The Capital One Venture X card. What's in your wallet? Terms apply. Lounge access is subject to change. See Capital1.com for details. This episode is brought to you by Spreaker. The platform responsible for a rapidly spreading condition known as podcast brain. Symptoms include buying microphones you don't need, explaining RSS feeds to confused relatives, and saying things like, sorry, I can't talk right now, I'm editing audio. If this sounds familiar,

you're probably already a podcaster. The good news is Spreaker makes the whole process simple. You record your show, upload it once, and Spreaker distributes it everywhere people listen. Apple Podcasts, Spotify, and about a dozen apps your cousin swears are the next big thing. Even better, Spreaker helps you monetize your show with ads, meaning your podcast might someday pay for, well, more microphones. Start your show today at spreeker.com. Sprinker, because if you're going to talk to yourself for an hour, you might as well publish it. It's time to switch on the integrator units and get the brain cells working.

You're listening to. Hey, this promises to be fun. Investors Edge. The last bastion of quality programming. With Gary Coltbaum. It doesn't get better than this. And welcome once again to Investors Edge. How about that for some respectfulness in me speaking to the president?

Uh, I believe he's got it all wrong. I believe as usual he is embellishing the need for Greenland. I believe he is making it up. I don't know why he is making it up. We already have access to all of Greenland in any way, shape, or form we want. Sometimes I sit and I try to read somebody and their motives. I have no clue what the motives are. It makes absolutely zero sense to die.

on this hill. And now he's going to Davos with the with the mucky mucks. Most of them I cannot stand. They're going to, they've been telling us about climate change for years while they fly in on their private jets, these clowns that are billionaires, by the way. He does a speech tomorrow at 8.30 a.m. God only knows what's going to come out of his mouth at 8.30 a.m. tomorrow. We'll see. But, I am in complete disappointment of how he is handling his presidency right now. I would tell that to his face. Hopefully he would not have the IRS audit me. But just complete disappointment.

Do I think these tariffs will ever be put into use? I doubt it. What is it 10%? Europe, all these countries, that starts February. first and then if nothing gets if and by the way this is just for backing greenland if you're not with me on greenland this is insanity it's really insanity he's having fits over the Nobel Peace Prize he's blasting Norway Norway how dare they not give me the Nobel Peace Prize even though it is not Norway that gives it it's some whatever

at Norway. So I don't know what to tell you. Some of his decisions are scaring me because I believe there's too many decisions. I would love him to take a step back and just take a pause. He worries me right now. And I just watched today him do over an hour of this is our first year and how great we are. And there were just a crap load of embellishments in there. I wish him well. I hope for his success, but it's getting a little bit on the crazy side out there, if he asked me, or if he care what I think. Do not forget, we have no agenda, no bias, no ulterior motive. We are not an R. We are not a D. I guess you can call us an eye that is fed up with most all of government.

39 trillion of debt says so amongst the corruption also. And the president's family are making zillions of dollars off of the government right now. We blasted Biden on that, so we have to blast this president also. Why? Somebody's got it. we'll keep it above board as much as possible. Tomorrow's another day. Do I have any guess on whether he's going to go to Davos and,

no, we're not going to do any tariffs? And the down 870 Dow points gets erased? I don't know. I don't know. I wish I did. And that's a little bit of that. What else? Well, we said to you there were a couple of things.

We mentioned this last week. it worsened today. The 10-year yield jumped above 4.2% and closed above it for the first time in a while on Friday. It was up 0.64 today to 4.295 nearing 4.3. The last two days is a technical breakout to the upside on 10-year yield, and as you know, we think the 10-year yield is of quite the import. It is mortgages. It is loans.

But it's also, one has to ask the question, you have an easing Fed short-term rates, a president that wants 1% Fed funds rates easier, yet the market is saying otherwise. And what have we told you in the past? if interest rates keep going up while they keep going down that is them arguing with the market and you know who usually wins

the market remember these are the same things we were talking about with Biden and Powell dudes you're saying there's no inflation it's transitory when it shows up and don't worry yet the market is saying otherwise and you're doing nothing about it.

Well, guess what happened? 9% inflation, had a play catch-up big time, caused the good bear market. And the only thing Powell and Biden had going for them, as usual is us. And that's what this president has going from.

Us, don't screw it up. And right now, the bond market's worried. And right now, we're going to be paying much attention to it because the bond market is much more important than what the Fed does and what the president thinks not many listen to me I'm a Fox News business contributor and these words get lost with so many others but the market is a lot

smarter than these politicos and the Fed and if they don't listen to to the market if the 10-year yield keeps going higher that's trouble and we nailed it the first time for you I can promise you we'll nail it again if the 10-year yield keeps going higher bad day today and I have to think that was part of today up next what else Few other things stuck out today. This is the one only Investor's Edge. We're listening to. America is talking.

Investors Edge. He's got to be pleased with that. The crowd is just on his feet here. He's a Cinderella boy. With Gary Colbomb. It comes highly recommended. You're going to feel better if you talk to him. By the way, I forgot to mention one other thing.

The president is still out saying that he won the election in terms. I can't begin to tell you how many votes they're going to lose in the midterm just off of that. Guys, it's no use putting it off. The best time for an underwear refresh is now. Tommy John underwear is designed for a perfect fit that stays put all day. Their zero-chafe thanks to four times more stretch than competing brands, and their innovative horizontal quick-draw fly is a game changer. With over 30 million pairs sold, there are thousands of men out there more comfortable than you.

Don't settle for less. Go to Tommyjohn.com today for 25% off your first order with Code Comfort. That's Tommyjohn.com code comfort. Tommy John. Comfort perfected. This message is brought to you by the Capital One VentureX card. VentureX offers the premium benefits you expect, like a $300 annual Capital One travel credit for less than you expect.

Elevate your earn with unlimited double miles on every purchase, bringing you one step closer to your next dream destination. Plus, enjoy access to over 1,000, airport lounges worldwide. The Capital One Venture X card. What's in your wallet? Terms apply. Lounge access is subject to change. See Capital One.com for details. This episode is brought to you by Spreaker. The platform responsible for a rapidly spreading condition known as podcast brain. Symptoms include buying microphones you don't need, explaining RSS feeds to confused relatives, and saying things like, sorry, I can't talk right now, I'm editing audio. If this sounds familiar,

you're probably already a podcaster. The good news is Spreaker makes the whole process simple. You record your show, upload it once, and Spreaker distributes it everywhere people listen. Apple Podcasts, Spotify, and about a dozen apps your cousin swears are the next big thing. Even better, Spreaker helps you monetize your show with ads, meaning your podcast might someday pay for, well, more microphones.

Start your show today at spreeker.com. Spreaker, because if you're going to talk to yourself for an hour, you might as well publish it. Just let you know. And let me repeat. I got no bias. I want good things to happen. That's all.

I just want good things to happen. Real quickly, Netflix in a brutal bear market, that stock, guides earnings per share below consensus and revenues below consensus. downside guidance. The stock, which just did a 10th, what did it do, 10 for 1? 1 for 10.

No, 10 for 1. Closed at 87 and a quarter. I got it at 8368 in the aftermarket. Stock is down from 134 back in June. We got our cell signal on the stock. Initial cell signal was right off the high, but the real one was on July 18th at 122. It's under 84 right now.

And of course that can change overnight. I'm looking at subscribe. I can't see subscribers on here. I actually haven't seen it yet. Supposedly that's the big thing. Engagement remains healthy. Revenue growth, blah, blah, blah. They did 56 cents a share expecting 55, 55, 56.

was against 43 so 30 so earnings were up that's fine but expected but they lowered they lowered I've always said I've always been amazed all these

the direct TV Hulu Paramount Peacock all these there was so much competition for our eyes how did they all stay on top of this stuff anyway not a good

day. United Airlines, ooh, I got that up about five bucks in the aftermarket. They beat. That's all I got so far. Financials. What have we told you? Financials. They've been strong, except when we got into earnings, Bank America didn't act well, Citigroup didn't act well, JP Morgan didn't act well, and Wells Fargo didn't act well. What acted well on earnings was Morgan Stanley,

Goldman Sachs Bank of New York. They had a rough day today. Rough day. Why? Duh. When you're down 870 down points, the financials are going to have a tough day. And other financials got hit, and you know which ones those were. You know there's this whole credit card thing going on that hit them last week.

And I can tell you that American Express was down another 13 bucks today. that's in the Dow Capital One down 10 and a half to 228 MasterCard 7 synchrony financial 4 Visa is only down three bucks that's not so bad but just a rough day for the financials also and that'll be something to watch and of course if interest rates keep going higher not so sure the housing stocks will go up more and as you know there was Washington DC News on stocks, the mortgages, they're buying $200 billion of this, that, and the other thing, of mortgage backs. So guess what had a rough day today? The housing stocks.

So overall rough day ends on a day like today. You ready? 1,012 stocks were up on the New York. 3,566 were down on the New York. On the NASDAQ, 1,219 up. 3445 were down. What else? What else?

The Mag 7 that we call the Mag 8 is the lag 8, except for Google, which also got hit today. Apple down 9 bucks today was down over 11. Broadcom 18, Amazon 8, Microsoft 5, Meta, 14. Netflix, as you know. Envidia, uh-oh, down eight. And rolling over badly, kids. Qualcomm 6. Tesla, 18.

The MAG 8 is the lag 8. And what have we been telling you to do with these stocks? That is correct. We have told you to avoid them. And they're worsening by the day. And today was a really bad day. for them. And I am really wondering what is going on with Apple, because not only did it drop almost

nine bucks today, before bouncing two bucks into the close, but there was volume. Those are institutions saying, we got too much Apple. So I'd like to know what's going on there right now, considering we're told GDP is 5%, all this, wealth, all this, all that, all this, all that. and in the semis they got Broadcom today for 18 bucks today they got Amazon as we said for eight and that's rolled over badly by the way they report next week Microsoft's under the 200 day meta's under the 200 day

and Tesla breaks support today so not good but we're not done the crypto well we always have to say you when we mentioned crypto, you're welcome, because we've been telling you to avoid micro strategy for like 250, 300 points. They had a bad day. They were trying.

They were a little off the lows, trying to build a higher low, a little stair step. Oh, they fell through the stair step today and remained not great in spite of what they tell us. but on the upside freaking gold and silver gap up on all this strife sand disk this whole thing about price and

storage and all that microm was up for today with the Dow down 870 and the NASDAQ down 561 sand disk was up 40 today the one with leverage West Indigent was up Seagate was down

5 cents wow Now the semis, because Lamb Rees, excuse me, KLA, they hit the equipment makers. KLA for $78, it is a $1,500 stock. ASML for $32, that's a $1,300 stock. So they got a few, but mixed. A Taiwan semi down $15. Just so weird.

It was a weird day, ladies and gentlemen. We've kept it very low beta. Today was a good day to be very low beta-ish. And software stocks, bare market kids, bare market. Don't argue. Software's in a bare market. They better not get the semis meaningfully and the AI stocks. Why?

the NASDAQ and NASDAQ 100 cleanly broke the 50-day moving average today. Hope you are paying attention. Today was an icky day in price and in some cases a decent amount of cases technicals.

Tops. If anything changes, we'll let you know. By the way, we would love to tell you golden silver so extended be careful here I would have said that last Friday Thursday Wednesday Tuesday and Monday so we're going to make no comment but wow and by the way silver

the latest breakout has it going up 60 some odd percent in seven weeks up next we'll finish it off this is the one only investors edge it's no use putting it off the best time for an underwear refreshes now. Tommy John underwear is designed for a perfect fit that stays put all day. Their zero-chafe thanks to four times more stretched than competing brands.

And their innovative horizontal quick-draw fly is a game changer. With over 30 million pairs sold, there are thousands of men out there more comfortable than you. Don't settle for less. Go to Tommyjohn.com today for 25% off your first order with Code Comfort. That's Tommyjohn.com code comfort. Tommy John, comfort perfected. This message is brought to you by the Capital One Venture X card. Venture X offers the premium benefits you expect, like a $300 annual Capital One travel credit for less than you expect.

Elevate your earn with unlimited double miles on every purchase, bringing you one step closer to your next dream destination. Plus, enjoy access to over 1,000 airport lounges worldwide. The Capital One Venture X card. What's in your wallet? Terms apply. Lounge access is subject to change. See Capital One.com for details. This episode is brought to you by Spreaker.

The platform responsible for a rapidly spreading condition known as podcast brain. Symptoms include buying microphones you don't need, explaining RSS feeds to confused relatives, and saying things like, sorry, I can't talk right now, I'm editing audio. If this sounds familiar, you're probably already a podcaster. The good news is Spreaker makes the whole process simple. You record your show, upload it once, and Spreaker distributes it everywhere people listen, Apple Podcasts, Spotify, and about a dozen apps your cousin swears are the next big thing. Even better, Spreaker helps you monetize your show with ads,

meaning your podcast might someday pay for, well, more microphones. Start your show today at spreeker.com. Spreaker, because if you're going to talk to yourself for an hour, you might as well publish it. You're listening to. What are we waiting for? Well, what are you waiting for? One, two, ready, go. Action!

In the Chester's Edge with Gary Colpaw. So, you know, I love success stories. I love success stories. So this past weekend, I went down to South Florida. We had a little ceremony with some buddies because I won the Couch Potato Football League championships. you know, and we met at Joe Stonecrams. I got to tell you something. What a fantastic restaurant.

Number one, I think they're top five in sales in the world or in the country. I don't know. I'm pretty sure they're right about there. But just a well-oiled machine. You can just tell, you know, when I go into these places, I don't just eat. I watch. And man, oh man, impressed as impressed can be.

The place was packed during lunch, during lunch on a Saturday. Or was it Sunday? I don't even remember. And you can just see how chaotic and hectic it looked, but they were right on their game. well done Joe's and by the way fantastic best hash browns I've ever had and they're known for stone crabs right most people don't know

they got like the best fried chicken you'd ever have and they give you like a whole half for 895 so just let you know quite amazing quite amazing had a blast and I also stayed at a residence in Marriott and I have to tell you

they're up in their games all these not you know that's not a four seasons or a Rich Carlton or an Amman I stayed at a residence in and they had a breakfast buffet it's like almost as good as a four seasons the companies are really getting it something I'll remember

that's what you got to do make them remember you in a good way. Just takes effort. Just takes effort. Which gets me to Junior Bridgman. You know, I promise you guys, there's a thing on Instagram called Visionary Minds. And we did it a few times and then we stopped. Let's talk.

From NBA Bench Warmer to billionaire franchise king, Junior Bridgman didn't dominate the court. He dominated the business work. world. Here's how he became one of the richest athletes in history. No max contracts, no shoe deal, just a reliable six-man earning 350,000 a year at his peak. How much do they make now, by the way? After 12 seasons, his total NBA earnings were 4.2 million, barely life-changing once taxes, expenses and lifestyle were accounted for, he knew the money wouldn't last, so what will I own when basketball ends, he asked. He grabbed an opportunity, a Wendy's in Brooklyn, investing $150,000 with Coach Paul Silas. It failed. They didn't understand the restaurant business and the entire

investment vanished, but instead of quitting, he pivoted. He went straight to Wendy, signed up for their full training program. He learned everything from flipping burgers, cleaning equipment, staff scheduling. He was a student. He put his remaining $750 into five struggling Wendy stores in Milwaukee. They were averaging just $600,000 in revenue each. He rolled up a sleeve, worked the grill, took drive-through orders, did everything. Within two years, those failing stores exploded to 2 million per location. Five stores became 16, 16 became dozens more in many other cities. His formula was simple. Learning the system, improve the system, scale the system. By 2015, get this. Owned, 275 Wendy's, 125 Chili's, 18,000 employees, 520 total locations,

doing 500 million in annual sales. He became the second largest franchise operator in America. He then sold everything. He exited a restaurant business for $250 million. Why? He saw market saturation ahead and left before the margins collapsed. That's what great operators do. Exit strong, not stressed.

A year later, he made his boldest move. He bought Heartland Coca-Cola for $290 million. Now that brings in one building. in annual revenue, turning them into a billionaire with an estimated net worth of $1.4 billion. I love stories like that. Go read up about them. Junior Bridgman. We will do more of these visionary mind stories of people that came out of nowhere and built monstrous business with hard work, sweat, toil, ingenuity, mistakes, failures,

successes, you name it, but in the end, they persevered. And I thought that I started with that one because, yeah, you all like sports, right? Junior Bridgman. I think tomorrow we'll do Hagenas. Do you know Hagenas isn't Danish, by the way? It's not even European. But they sure do make good stuff. By the way, speaking of Hagenas, I got to mention some.

You ever hear sprinkles? like the greatest cupcakes ever it was bought out by private equity and they just shut them down you ever sprinkle cupcake they're like the best ever they had one in Disney Springs first one I ever had

was I think in Beverly Hills California with my kids they just shut them all down private equity hopefully the first owner the real owner takes them over again and brings it back up because everybody loves a good cupcake right

this weekend Sunday two games heading into the Super Bowl we'll be ready for them as we said we're seven and one we weren't kidding New England at Denver Rams against Seattle Denver without their quarterback will be an interesting weekend you'll have a great evening drive carefully when you get home do like we do make sure you hug your family and hug your children they will feel better you'll feel better or I promise they will be well.

Thanks for joining. Until tomorrow. Good night. This has been Investors Edge with Gary Cult Bomb on BizTalk. To listen to past episodes or to get in contact with Gary, go to GaryK.com.

That's GaryK.com. Guys, it's no use putting it off. The best time for an underwear refresh is now. Tommy John underwear is designed for a perfect fit that stays put all day. There's zero-chafe thanks to four times more stretch than competing brands and their innovative horizontal quick draw fly is a game changer. With over 30 million pairs sold, there are thousands of men out there more comfortable than you.

Don't settle for less. Go to Tommyjohn.com today for 25% off your first order with Code Comfort. That's Tommyjohn.com code comfort. Tommy John. Comfort perfected. This message is brought to you by the Capital One Venture X card. Venture X offers the premium benefits you expect. like a $300 annual Capital One travel credit for less than you expect. Elevate your earn with unlimited double miles on every purchase, bringing you one step closer to your next dream destination. Plus, enjoy access to over 1,000 airport lounges worldwide. The Capital One Venture X card.

What's in your wallet? Terms apply. Lounge access is subject to change. See Capital One.com for details.