Loading trucks four hours a night at 63 sounds like a step backward, but for someone sitting on $900,000 in a traditional 401(k) with two years until Medicare, it might be the most profitable financial move available.
A retired farmer collecting six figures in cash rent thought the Social Security earnings test was someone else’s problem, but the moment his neighbor asked which fields to plant, everything changed.
UnitedHealth reports at 5:55 AM ET, with analysts looking for $4.15 in EPS on $111.49 billion in revenue. The last two quarters cleared estimates by wide margins, so guidance on Medicare Advantage margins and the widening DOJ antitrust probe will set the tone for the stock.
FB Financial reports before the open at 6:15 AM ET, with consensus at $1.21 EPS on $181.59 million in revenue from eight analysts. Beats in three of the last four quarters ended with an in-line June result, so this Southeast lender's take on commercial real estate credit is the real tell.
Johnson & Johnson reports at 6:20 AM ET with consensus at $2.50 in EPS on $25.38 billion in revenue. The guidance commentary on talc settlement costs and device demand is what moves the stock.
JPMorgan kicks off bank earnings season at 6:38 AM ET, with consensus at $5.91 EPS on $51.15 billion in revenue. The last two quarters beat by roughly 8% and 10%, so anything less resets expectations for every bank reporting after it.
Wells Fargo reports at 6:49 AM ET, with analysts looking for $1.85 in EPS on $22.35 billion in revenue. It has beaten only 2 of the last 4 quarters, so credit quality and net interest income guidance carry the day.
Goldman reports at 7:25 AM ET carrying an eight-quarter earnings beat streak, with consensus at $13.65 EPS. The trading and dealmaking commentary sets the tone for every bank reporting behind it.
Albertsons reports at 7:30 AM ET, and the bar is low: consensus sits at $0.33 EPS after last quarter's result came in missing expectations. Three beats in the prior four quarters say that miss was the outlier, and this report decides which pattern is real.
Citigroup reports at 8:01 AM ET, with Wall Street looking for $2.62 in EPS on $23.73 billion in revenue. The last two quarters cleared estimates by roughly 16% each, so anything short of that puts the turnaround narrative back on trial.
Three straight EPS beats ride on today's 4:15 PM ET report, with consensus at $1.84 on $463.4 million in revenue. The galvanizing business has been riding infrastructure and data-center demand, so the outlook matters more than the quarter.
She inherited a six-figure Roth IRA and assumed tax-free meant she could cash it out whenever she wanted. The IRS disagreed, and the difference between her instinct and the smarter move ran to tens of thousands of dollars.
