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Received yesterday β€” 30 July 2025

Would I want to manifest my 'dream life' using AI? Hmm …

30 July 2025 at 09:30
A woman in front of a cloudy sky.
Β 

Getty Images; Rebecca Zisser/BI

  • People have been using ChatGPT and other AI tools to "manifest" their ideal lives.
  • My colleague reported on this late last year, and I keep seeing the trend on TikTok still today.
  • So I thought about it: Should I give in and join the AI manifesters and visualize my dream life?

It's a TikTok trend that's been going on for some time now β€” people using ChatGPT and other AI tools to "manifest" their dream lives.

So far, I've avoided it, but when one of my editors noticed it trending again, I had to at least consider it: Am I the type of person who'd manifest? And then use AI to show me what my ideal life would look like?

My colleague Ana Altchek noticed the trend back in September. "Users are sharing how AI has helped them enhance their traditional manifestation practices, such as visualizations, vision boards, positive affirmations, mantras, and rewiring negative beliefs," she reported at the time.

ChatGPT shows your dream life

I decided to investigate for myself, and I found that people essentially prompt AI to create a story about their dream life, based on their goals.

Let's say your goals were to be rich, have flawless skin, snag a hunky husband and two kids, and live in a villa in Italy where you garden tomatoes. Enter those goals β€”Β manifest them, if you will β€”Β and it would whip up a story for you.

Then, you could use it to create an action plan to actually get there.

I tried this out myself, asking ChatGPT to tell me a story about a day in my life in that Italian villa. I can't deny it delivered an appealing tale:

The sun slipped gently over the Tuscan hills, casting gold across the rolling vineyards and awakening Villa Rosabella, your sun-washed estate tucked among olive trees and cypress-lined roads. The sheets were linen, cool and crisp, and the smell of blooming jasmine drifted in through open French doors. You stretched, not a wrinkle on your face, your skin dewy and flawless, like you'd just walked out of a spa in Capri (because you had β€” last weekend).

But when I asked it to give me steps to achieve this dream life, things got a little wonky. Although it had some decent practical advice about how to achieve flawless skin ("get a consultation with a top dermatologist,") things got slightly more complicated when it came to the "becoming rich" part of the dream. It suggested things like, "Scale income to $500K+ annual revenue," which ... OK, sure?

To be fair, had I given it slightly more specific goals, it might have come up with a better plan. But I need to admit my bias here: I'm not really into the idea of manifesting. I'm happy for anyone who finds this useful, but it's just not for me.

A while back, I DM'ed some of the people I'd seen talking about this life hack on social media. A few of them told me they really did believe in the power of manifestation β€” and had clear life goals in mind. (I realized that these women were younger than I am, just starting out in their adult lives. Whereas I'm old enough that my only life goal is just to ride this thing out.)

Manifesting on video

There's also a new twist to the AI manifestations: video. The New York Times reported last week that people are using tools like Runway, Google's Veo 3, or a tool called Freepik to enter a real image of themselves that's then used to illustrate a real (fake) life. For example, I could upload a picture of myself, and then have AI create a video of me sauntering around my Tuscan tomato grove.

I wanted to give it a try, so I tried to use Freepik, which one of the women interviewed by the Times used. But there was a catch: Freepik required a paid account to create videoβ€”Β and there's no way I'm going to scale my income to $500,000 if I'm throwing it all away on AI tools, so I declined.

tomato plant
My one sad cherry tomato plant. I probably should've manifested more fertilizer.

Katie Notopoulos/Business Insider

Personally, I don't think I want to see a video of myself in a dream life, anyway.

I don't think it would make me feel bad per se β€”Β or jealous of my dream AI self. And I'm not afraid that the AI version of me might come to life and murder and replace me. I simply do not wish to engage with such content. It just does not appeal to me at all.

Perhaps I lack a growth mindset β€”Β the desire to truly improve my life. Perhaps I should be more open to AI manifesting! But also, I am happy to just use my imagination, and tend the one scraggly cherry tomato plant in my yard.

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Received before yesterday

From toys to TVs, return fraud is running rampant

20 July 2025 at 08:24
Hand boxing up an empty package marked for return.

Getty Images; Alyssa Powell/BI

Bill Stewart, the owner of LI Toy and Game on Long Island, New York, estimates that he gets "screwed over" by return shenanigans twice a month. Customers falsely claim an item he shipped wasn't as described or doesn't work, or they send back something in much worse condition than how he released it. Recently, a customer returned a Scooby Doo Mystery Machine model kit after two weeks with the box open, the toy half assembled, and pieces missing. Given the condition, there was no way for him to resell it. "Went right into the trash," Stewart says. "The kid played with it, was probably too young for it."

Adding up the price of the item itself, two-way shipping costs, and merchant fees charged by the third-party platform he used to sell the item β€” Walmart Marketplace, in this case β€” Stewart estimates the exchange resulted in a net loss of $55. For the big guys, he recognizes that's nothing, but for a small business like his, it's a hit, and one for which he has no recourse. "With Walmart, the customer's always right," he says.

The ability to return an item you've purchased has become a core part of the shopping experience. Customers may buy a few more items than they would otherwise because it's a no-harm, no-foul situation on returns. Backsies are allowed. But retailers say consumers are engaging in too many backsies. Some are committing outright return fraud β€” shipping back empty boxes, swapping out different items, or claiming a package never arrived. Others are abusing generous return policies by attempting to send back items after days, weeks, and even months of use. And while it's tempting to blame organized criminals, retailers and return logistics operators say a lot of everyday consumers are the culprits, too. People are strapped for cash, they've been trained to expect super loose return policies, and they don't feel bad about pulling one over on a faceless company.

"Consumers who would never go into a physical store and take an item off without paying and stealing are actually being trained socially that it's actually acceptable to take advantage of retailers in these small ways," says David Morin, the vice president of client strategy at Narvar, a retail logistics company. "They think it's OK, right? Stick it to the man."

America is becoming a nation of small-time return fraudsters, one box of fibs at a time.


A recent report from Appriss Retail and Deloitte found that the total value of merchandise returned in the US reached $685 billion in 2024. Fifteen percent of that β€” $103 billion β€” was fraudulent, the report said, meaning the product shouldn't have qualified for a refund under the retailer's policies.

America is becoming a nation of small-time return fraudsters, one box of fibs at a time.

Morin says it's hard to suss out who, specifically, is responsible for fraudulent behavior β€” organized criminals versus everyday consumers β€” but it's clear that a wider range of people are partaking than you may expect. In 2024, Narvar ran a survey of US consumers that found that more than half of consumers admitted to engaging in fraudulent returns at least once. In a separate 2023 survey of US online shoppers from Loop Returns, a returns management software company, nearly four in 10 people admitted to having engaged in returns policy abuse themselves or knowing of someone who had.

"There seems to be this mentality that consumers feel entitled to do it," says Jessica Meher, the senior vice president of marketing at Loop.

The spectrum of returns mischief is quite broad, and your mileage may vary on what's acceptable versus what's abuse. On the more benign end is "bracketing," when consumers buy the same item in different sizes or colors and send back whatever doesn't work. It's a logistical headache and bad for the environment, but it's generally above board. Inching into the fraud territory is the practice known as "wardrobing," which Thomas Borders, the vice president of operations for Inmar Supply Chain, a reverse logistics company recently acquired by DHL, says is when consumers treat return windows as "free rentals." The practice will sound familiar to a lot of shoppers: You buy a dress or a pair of shoes for a special occasion, you wear it to said special occasion, and then you return it and get your money back.

"In an effort to avoid customer dissatisfaction, retailers will process the consumers' refund before items are properly assessed and any damage identified," Borders says. "This results in premature refunds, leaving retailers with very little recourse."

E-commerce makes this sort of return abuse even easier to engage in than brick-and-mortar shopping β€” warehouse employees often don't closely scrutinize every single item to make sure it's in tip-top condition like employees at a retail counter might. In a digital world, the retailer will probably see the wine stains on the dress you wore to that wedding only when it's too late, if they ever notice at all.

There seems to be this mentality that consumers feel entitled to do it.

On the more nefarious side of the equation, consumers lie and say a package never arrived or was stolen, or they stick a different product back in the box. Morin says Narvar had a client during the pandemic who started to see a trend of consumers returning three empty CD cases to them. Someone online figured out the cases weighed the same as some of their core items, so when the return box initially got weighed in by the carrier, no red flags went up that it was the wrong item inside. Once the box was actually opened, the refund had already gone out. Another trick is when consumers tamper with return labels in order to send empty packages to the wrong destination, so they can just claim it got lost if the retailer tries to check. They keep the product, and they get an automatic refund when the package gets put in the mail.

Hilary Koziol, who runs the Cellar Sellers, an online consignment business, has dealt with her fair share of dishonest customers. She recently sold a sealed box of trading cards to someone on eBay for hundreds of dollars, and the buyer claimed Koziol actually sent a box with a pair of jeans inside, returned those, and demanded a refund for the trading cards. She wound up opening a case with the US Postal Service over it. On another occasion, a customer bought a $50 dress from her on Depop and, in return, sent back an old, makeup-stained version of the same style. "You find that happens a lot with clothing," she says. When she encounters these problems, she disputes them with the Postal Service and the platforms she's selling on, and it's "kind of a crapshoot" whether she wins or loses, though as she sells more stuff and accumulates more reviews, the platforms tend to side with her more. "Especially if it's a larger-value item," she says, "it's impacting my business a ton."

A lot of people get ideas online and on social media for different return tricks they can pull. It took me about five minutes of searching on TikTok to come across videos with tips and advice for getting free refunds from Amazon. There's tons of content about Target's Cat & Jack kids line's generous one-year return policy that leads many parents to try their hand at returning well-worn clothes. On Reddit, there's a forum where people compare notes on Costco returns, including users asking about the chances the company might accept a furniture return five years after it was purchased or exchange a Christmas wreath after the leaves start to brown. There are also hot debates about which REI returns may count as abuse.

"It's almost like coupon sites where consumers have been trained to look for coupons and discounts," Meher says. "That's starting to happen with what companies offer loose return policies."


I don't think my social circle is the most crime-prone group in the world, but the more I chat with people in my life about return fraud and abuse, especially in online shopping, the more I realize how prevalent it is. A coworker told me about a friend of theirs who'd returned a box of rocks to a retailer instead of a television. A friend told me they'd never steal β€” only to acknowledge they'd once returned a big-ticket item they broke to Amazon and claimed it arrived broken, while their partner regularly sends back items they've worn. Another friend said that whenever they send back used items to replace new ones and get the refund, they make sure the seller is a big corporation, not a small mom-and-pop shop. I tried to do the bracketing thing with two sets of curtains last summer but failed. I was too lazy to return the set I didn't want within the return window, so it's accumulating dust under my bed.

To many people, low-level return fraud feels like a victimless crime β€” they're not exactly losing sleep over a giant corporation losing a few dollars here and there. People assume retailers don't really care that much, since they'll often send a refund before getting the item back, if they bother to recollect an item at all. Companies have also given people such a long leash on accepting returns that consumers may not blink at hauling grass shears smeared with clippings back to the Target counter after six months of use.

Megan Wyatt, the owner of Wit & Whimsy Toys, a brick-and-mortar retailer in California, says the lax return policies the big guys offer customers have been a headache for her. "They'll just take pretty much any return, it feels like, these days. And so customers feel like they can do that at small businesses as well," she says. Her store has to essentially "train customers that you can't expect to return things at a small business the way that you would at Target, Walmart, Amazon, places like that."

Retailers big and small aren't having a good time with return fraud and are cracking down. Many are axing free returns, tightening return windows, or otherwise implementing stricter returns policies. Companies such as REI and ASOS have started to ban certain customers over return abuse. Some retailers are using aggregated data to try to identify bad actors, whether they're a previous customer or not. If a consumer is continually taking advantage of return policies at X retailer, Y retailer may know even before they click to buy.

Meher, from Loop, says personalized return policies are starting to become more common, too. "So, being able to incentivize good customers and giving them good return policies and disincentivize bad consumers and people who return a lot and giving them different return windows or different return policies," she says. "That is also starting to become more important as retailers look into, 'How do I make sure that I don't piss off my good customers?'"

Across the consumer economy, there's a pervasive us-versus-them sentiment between companies and their customers. Many consumers feel like businesses β€” especially the big ones β€” are swindling them and squeezing them for every penny, so when they have a chance to strike back, why not? Maybe that means putting a brick in a return box and hoping nobody notices it's not an iPad. Or maybe it's just seeing that package you'd already declared stolen arrived three days late and not trying too hard to give back that refund that already came through.


Emily Stewart is a senior correspondent at Business Insider, writing about business and the economy.

Read the original article on Business Insider

Are you working for a zombie fund? If so, you'd better run!

13 July 2025 at 11:31
A business man running from a group of zombies
There are many definitions of zombie fund

Getty Images; Tyler Le/BI

  • Zombie funds are on the rise as private equity dealmaking and distributions slow.
  • We asked recruiters about the reputational impact of working at a zombie fund.
  • They suggested looking for an exit, especially if you're an investor or fundraiser.

Have you heard the news? A new contagion is turning formerly healthy private equity firms into the walking dead. It's not fungal, like in "The Last of Us," a virus, like in "28 Days Later," nor a magical reanimation like the original Haitian Vodou Zombis.

Instead, it's the result of a dealmaking slump, pickier investors, and macroeconomic conditions that have turned some private-equity firms into glorified estate sales, auctioning off their dusty holdings before closing up shop.

There are many definitions of a zombie fund β€” but no matter how you slice it, it can be bad for your career.

To some, a zombie fund is one that's passed its investment deadline, but is still holding onto capital to invest. Others say it's a firm that can't raise new money and is stuck managing and selling off its current portfolio. Zombie fund can also refer to a fund that has invested capital but is delaying the process of returning money to investors while it continues to collect management fees.

The phrase has picked up steam amid a multiyear lag in M&A and IPOs that has slowed private equity dealmaking and distributions to investors.

Private markets data firm PitchBook said the number of US funds that haven't made an investment in a year, despite raising money in the last six years, is up 50% from 2021 to June 2025, to 651. Internationally, they're up 40% in the same period to 1203.

We spoke to recruiters about the rise of the zombie funds and what that means for people working for them. Here is what they said.

When to run

Recruiters said employees, especially in certain roles, should start job-hunting at the first sign of zombification, though they warned that not every slowdown signals trouble.

"If they are working at a firm that has no plans to fundraise for the foreseeable future, that is usually their sign to go straight to exploring the market," Jessica Xu, head of investor relations recruiting at Selby Jennings, told Business Insider.

This is especially true for people in fundraising roles, where success means growing the firm's assets under management and building strong and deep relationships with investors.

Bill Matthews, partner at BraddockMatthewsBarrett, said it's also true for people in investment roles because a zombie fund will drag down your investment track record.

"Folks have to pick their head up and move," he said, adding, "On the investment side, you want to have a track record of doing deals and exiting deals, and if there's a zombie fund, that's not going to be the case."

Of course, fundraising has slowed across the board and isn't necessarily a death knell. It's important to differentiate between a slowdown due to market conditions and one caused by dissatisfied investors. Just make sure you're keeping busy during the slowdown, said Lisa Steele, a partner at BraddockMatthewsBarrett.

"You're maintaining relationships and keeping current LPs up to date, which is also critically important to these long-term partnerships," she said, referring to limited partners, the industry's catchphrase for fund investors.

You should also be developing new relationships, which Steele said will prove "hugely valuable when you go back to market."

How to interview

A candidate running from a zombie fund may feel tempted to hide their current situation in a bid to make the candidacy more enticing. That would be a mistake, recruiters said.

Matthews said hiring firms tend to know which of their peers are zombie funds from conversations with investors and other intermediaries.

"It's important for candidates to be as transparent as possible with potential employers about their reasons for wanting to leave their current firm, and working at a zombie fund is an understandable reason," Xu said.

The trick is to do it smartly. Recruiters warned against badmouthing the current employer or divulging confidential performance information. Focusing on personal gain is key, they said.

"Many candidates in these situations feel constrained in their ability to drive growth and create meaningful value for their investors," said Xu, adding that they are "seeking environments where they can contribute more strategically."

By focusing on how you'd benefit from moving to a better-performing fund, you come across as a good player on a bad team. And it's worth remembering that there are worse situations to be in.

"A hiring firm's biggest fear is unknowingly hiring another firm's castoff," Matthews said. "A zombie fund situation is obviously a good and valid reason why someone would want to leave."

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Danny Boyle made sure '28 Years Later' was worth the wait

13 June 2025 at 17:55
Photo of Danny Boyle with a image from 28 Years Later
Danny Boyle.

Dominik Bindl/Getty, Sony; Ava Horton/BI

For more than two decades, Danny Boyle has been plagued by one question: What would happen after a zombie apocalypse?

The famed director's 2002 movie "28 Days Later" broke conventions of the zombie genre and helped launch a digital video moviemaking revolution in the early 2000s. But as years and then decades passed β€” and Boyle went on to earn a best director Oscar for "Slumdog Millionaire," do a Steve Jobs movie, and make a "Trainspotting" sequel β€” he could never crack a continuation of his original "28 Days."

Boyle and screenwriter Alex Garland missed out on the sequel, 2007's "28 Weeks Later," because they had already committed to making the sci-fi thriller "Sunshine." And pitching their own continuation around Hollywood never got any traction. Maybe it would be one of those things that would never come to fruition.

It wasn't until the British Film Institute invited him to do a Q&A at a "28 Days Later" 20th anniversary screening in 2022 that Boyle realized just how much audiences appreciated the film.

"I showed up and it was a packed theater," Boyle told Business Insider during a recent trip to New York City. "I was shocked. You could feel the audience's energy watching it. I texted Alex after, and I told him there's still an appetite for this. So he then came up with an idea."

Garland's idea would become "28 Years Later," which opens in theaters June 20. The film focuses in on a small island community in England that's learned to survive in relative isolation 28 years after the country was ravaged by the Rage Virus. But when Jamie (Aaron Taylor-Johnson) and his 12-year-old son Spike (Alfie Williams) venture to the mainland, they discover new mutations of the virus and survivors with their own fearsome methods for staying alive.

Aaron Taylor-Johnson shooting a bow and arrow
Aaron Taylor-Johnson in "28 Years Later."

Sony

Though the "28 Years Later" cast is entirely new β€” and there are no glimpses of original "28 Days" star Cillian Murphy, despite the rumors β€” Boyle is just getting started. He's also a producer on a sequel set for release in January, "28 Years Later: The Bone Temple," which was shot by director Nia DaCosta ("Candyman") right after "28 Years" wrapped. And Boyle will return to direct a third movie, which will indeed star "28 Days Later" star Cillian Murphy. That is, if Sony will greenlight it.

So how did Boyle crack the code to continuing his zombie franchise? His trick is to think limited, not expansive. Though he has big aspirations for a trilogy, it all came about by keeping "28 Years Later" as grounded as possible.

"I love limitations, because I can bash against it and that gives energy and inventiveness," Boyle said with a wide smile. "So the third movie is in many ways an original film."

For the latest edition of Business Insider's Director's Chair series, Boyle discusses returning to the zombie genre, how he used Cillian Murphy as leverage to pursue his other creative ideas, and if he'd ever take on another James Bond movie.

A man with long brown hair wearing blue hospital scrubs is running away from a zombie on fire down a street.
Cillian Murphy in "28 Days Later."

Fox Searchlight Pictures

Business Insider: Take me back to that "28 Days Later" 20th anniversary BFI screening. Where was your head at then about doing a third movie?

Danny Boyle: By that point, Alex had developed one script, which we decided not to do: weaponizing the virus, a traditional type of sequel. It was a good script, but we just didn't get any traction. After the BFI screening, he came up with the idea of confining the story to an island, and that was a really good decision.

How much of the COVID pandemic influenced how you wanted the characters to navigate the Rage Virus 28 years later?

It would be that people would become accustomed. You can take risks and know when the back off them. There's a kid in this movie who has no knowledge of the virus β€” it has been passed on to him; he's never seen any of it. This is his first trip to the mainland. He's heard stories.

You can see that the kids draw pictures of the stories they've been told. They have mythologized the virus. So we talked about all that. And then we delve into the culture before the apocalypse, and it's distorted. How reliable is it? We don't know. But that's an element that goes into the second film, "The Bone Temple."

The visuals have always been a hallmark of your filmography, but especially this franchise. "28 Days Later" ushered digital cameras into the mainstream. Now with this movie, you're shooting with iPhones. It's been done a lot on the indie side with filmmakers like Sean Baker and Steven Soderbergh, but I believe this is the first time camera phones have been used at the studio level. Why did you want to do that?

I felt an obligation to take the spirit of the first movie, but be aware that the technology has moved on so much. Phones now shoot at 4K, which is what a lot of cameras shoot at anyway. And the advantage of using the phones is we were able to be very lightweight.

Also, some of the locations we were shooting hadn't been disturbed for many years. It's an area of England called Northumberland, its sister county is Yorkshire, which is agriculture and manicured. In order to go there with a crew, you have to be light, so having iPhone cameras was good for that. We used a lot of drones, which had different camera lenses; we used a specific Panasonic camera for the night vision footage.

But the iPhone gave us a light touch and allowed us to use these rigs, which I'd been trying to use for a while. It's a poor man's bullet time. But you don't have to go to it, you can carry it.Β 

Zombie being filmed with bullet time rig in forest
The bullet time rig used on the set of "28 Years Later."

Sony

So now, instead of laying down dolly track and having all this gear in these very preserved locations, all you need to retrace are footsteps.Β 

That's right.Β 

How did you sell Sony on all of this?

[Laughs.] Um. I can't remember.Β 

Come on.

I will do and say anything to get the film made. There is a terrible side to directors where you will promise [studios] stuff and you don't mean it. They are nervous. They're a corporation. And you have to massage the vision.Β 

So what was the promise you gave that you weren't going to fulfill?

Cillian Murphy.Β 

What better promise could you make? That's quite a deflection of any technical concerns; they soon forget. Yeah, we nakedly used that to get our own way. But Sony knew what they were inheriting.

Did Nia DaCosta shoot "The Bone Temple" right after you wrapped on "28 Years"?

Pretty much. She visited the "28 Years" set a couple of times, but yeah, she was prepping her own film, she had her own cinematographer, and though she inherited the sets and some of the characters, she also had her own cast for a substantial part of it.

And she gets a bit of Cillian at the end. All I can say is you have to wait for Cillian, but hopefully he will help us get the third film financed.Β 

So where are things with the third movie?

We still need the money. I mean, we'll see how we do with "28 Years Later." It's so close to release that nobody wants to say anything; they just don't know what it's going to do. And I respect that. It's a lot of money, so we'll see.Β 

If there is a third movie, would you want to direct it?

Oh, yes. That's the idea.Β 

You famously walked off the last James Bond movie. Would you ever give Bond another try now that the regime has changed and Amazon is fully controlling it?

That ship has sailed. The thing I regret about that is the script was really good. John Hodge is a wonderful writer, and I don't think they appreciated how good that script was, and because they didn't, we moved on, and that's the way it should be. Whatever happens with Bond going forward now is what it will be.Β 

Himesh Patel walking across a street
Himesh Patel in "Yesterday."

Universal

As someone who has done a Beatles movie with "Yesterday," what's your take on Sony's ambitious plan for four Beatles movies?

[Sony chairman] Tom Rothman β€” who I fight with a lot, and who I love very dearly β€” I do tip my hat to him, because that is backing a visionary filmmaker in Sam Mendes with a hard, big investment. That's a lot of vision to say, here ya go, there's four films. And they are all going to get released around the same time.Β 

All in one month! Just from the perspective of a director, would that scare you?

Sam clearly has an appetite to handle it all. I don't know what his vision is, but he's got terrific actors. I worked with Harris Dickinson, who is a wonderful actor, so he's got himself a very special cast. 90% of anything is casting; if you get it right, you're almost there. So I admire it.Β 

Now, one of the things we found, and they will have this issue, is that people don't know The Beatles' music. We just did a workshop on "Yesterday" and its long-term plans β€” like, should there be a stage production one day? We did a workshop with a bunch of actors, and lots of them just didn't know the songs. They are in their 20s or 30s, so why would they? They all can recite from memory something from Taylor Swift or Harry Styles, but The Beatles? So, we'll see.

This interview has been condensed and edited for length and clarity.

"28 Years Later" opens in theaters June 20.

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How Patrick Schwarzenegger spends his 5 to 9 — from getting 10,000 steps to eating Japanese sweet potatoes

9 June 2025 at 16:21
Headshot of Patrick Schwarzenegger on a yellow background with icons of morning things like weights, eggs, alarm clock, protein shake, sleep mask.

Jeff Kravitz/Getty, BI

Like his "White Lotus" character Saxon Ratliff, Patrick Schwarzenegger is a lover of smoothies determined to match his parents' stratospheric success.

While his arrogant and shallow character rubbed many viewers the wrong way, Schwarzenegger, however, is nothing but charming as we chat on the phone while he gets his steps in around LA. "I walk and talk," he explains.

I've discovered there are parts of Schwarzenegger's routine that Saxon would be positively allergic to, such as heading to the beach with his fiancΓ©e in the morning to say prayers and share a moment of gratitude.

For the latest installment of Business Insider's "5-9" series, which Schwarzenegger took part in to promote Venmo's new debit card, the 31-year-old actor shared how else he spends the hours of the day when he's not working.

What time do you usually get up, and what's your morning routine?

I've gone to a new state or country every week since "The White Lotus" came out, so it's been a whirlwind of not having a routine and waking up at the most random times.

Arnold and Patrick Schwarzenegger on the "White Lotus" red carpet, posing together with their hands clasped.
Arnold Schwarzenegger and Patrick Schwarzenegger

Emma McIntyre/Getty Images

This is my first full week in LA since the start of the year, and it's been great. I got up today at 6.15 a.m. β€” I never set an alarm clock, but I always wake up around 6 a.m. My fiancΓ©e and I went on a walk for our coffee and then down to the beach to say our gratitude and prayers.

Usually, I'd work out after, but I didn't today as my fiancΓ©e had to go to the airport. So we made some breakfast, I had a sauna, and then went to the office.

What do you have for breakfast?

This morning, I had egg bites and Greek yogurt with berries, which is what I have on most days: eggs, Greek yogurt, fruit, or oatmeal. I try to get 40 to 50 grams of protein and some sort of carbs and fat.

Do you eat before or after working out, or both?

Afterward, if I'm working out really early in the morning, but sometimes I'll have something light before, like some fruit and nuts or peanut butter and banana.

Much has been made of your character's love of smoothies on "The White Lotus." Are you a fan?

Oh yes, I am. I used to drink smoothies all the time. Now I don't drink them as much, but I do love them. This conversation is actually making me want to go get a smoothie.

If I'm gearing up for a role or a project and I need to gain weight, then I will bring in the smoothies because they help me get a lot of calories quickly. So I do love a peanut butter banana smoothie.

The best combo.

10,000 steps and recovering in the sauna

Tell me more about your approach to working out.

I work out in the mornings when I can and try to get my 10,000 steps in too.

Are you walking now?

I am. I walk and talk. I try to do five days of lifting a week, and some sort of cardio. I stay pretty active.

Abby Champion and Patrick Schwarzenegger
Abby Champion and Patrick Schwarzenegger in New York in March 2025.

John Nacion/Variety via Getty Images

Do you follow a particular workout split?

I usually do a push day, pull day, and leg day, or a more cardio-focused full-body day. Sometimes I do typical weight training, other days more high-intensity interval style.

What are your recovery essentials?

Food, sleep, and hydration are the main things. I love the sauna, the jacuzzi, and massages, but they're less important.

When you're not working, how do you relax and have fun?

Working out is fun for me. It is part of my daily life and what I like to do, and I feel better. And the same with my eating.

I also like going on walks, hanging with my friends and family, hiking, biking, and watching movies and TV shows. I love cooking and baking and finding new coffee shops, and I use my new Venmo debit card for all of it.

Martinis and early nights

What do you like to have for dinner, and who cooks?

I would get in trouble if I said I always cook dinner. Abby cooks most of the time. I cook breakfast pretty much every morning, although she made the egg bites today.

We go out frequently, but try to cook as much as possible when we're in town because we're not often here.

Patrick Schwarzenegger as Saxon Ratliff in season three, episode four of "The White Lotus."
Patrick Schwarzenegger as Saxon Ratliff in season three, episode four of "The White Lotus."

Fabio Lovino/HBO

What's your favorite thing to cook?

We cook sweet potatoes every night. We love Japanese sweet potatoes. We also make a lot of eggs and pancakes. Abby makes a really good chicken salad. She makes a bunch of good stuff for me.

Lucky you.

I know, seriously.

So what's your ideal evening when you're at home?

Well, last night Abby and I went and did a workout together. We did this hot Pilates class, and then we picked up some food, made dinner, had a little dessert, went on a walk afterward for the sunset, then watched a movie. If it's a date night, we go out, get some cocktails, and have fun.

Do you have a favorite cocktail?

I've been on a martini kick in recent years.

Nice. Do you have a nighttime routine?

No, I don't really. I kind of just get in bed, and I'm usually pretty tired from the day. I try not to watch TV in the bedroom, and I fall asleep pretty easily at around 10 p.m. I try to get eight hours.

I suppose when you're so active, you get into bed and you're exhausted.

Yeah, exactly … I'm always out in the sun and walking around, and I sleep better.

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Here's everything we know about how Wall Street banks are embracing AI

Photos of J.P. Morgan, Citi, Goldman Sachs, and Morgan Stanley

Michael M. Santiago/Getty Images; Getty Images; BI

  • Banks are racing to deploy generative AI tools to their employees.
  • Business Insider has reported on how some of finance's biggest banks are approaching the technology.
  • Citi is 'accelerating' its strategy, while JPMorgan detailed AI wins at its latest investor day.

Wall Street bank leaders say generative AI is here to stay, and they're weaving the technology throughout the fabric of their banks to make sure.

From trading to payments to marketing, it's hard to find a corner of the banking industry that isn't claiming to use AI.

In fact, the technology's impact, made mainstream by OpenAI's ChatGPT in late 2022, is becoming cultural. Generative AI is changing what it takes to be a software developer and how to stand out as a junior banker, especially as banks mull over how to roll out autonomous AI agents. The technology is even changing roles in the C-suite. But it's also presented new challenges β€”Β bank leaders say they are struggling to keep up with AI-powered cyberattacks.

From supercharging productivity via AI-boosted search engines to figuring out the best way banks can realize a return on their AI investments, here's what we know about how Wall Street banks are embracing AI.

JPMorgan Chase
Jamie Dimon
JPMorgan CEO Jamie Dimon

Tom Williams/CQ-Roll Call, Inc via Getty Images

JPMorgan has a technology budget of $18 billion, with much of it going toward making sure it's a leader and early mover in AI.

JPMorgan CEO Jamie Dimon is a "tremendous" user of the bank's generative AI suite. While its private bankers were some of the first to be equipped with a generative AI "copilot" last May, they've rolled out its proprietary genAI platform to over 200,000 employees. And with about 100 more tools in the pipeline, JPMorgan is seeking to reengineer workflows for everyone from coders to portfolio managers.

Executives at America's largest bank gave an inside look at how it's scaling tools and delivering measurable results at its Investor Day in May.

Dimon has previously said he's out to win the AI arms race.

Mary Erdoes, the boss of JPM's asset and wealth-management business, used these slides to outline how she wants to prepare her people for the "AI of the future."

Citi
Citi CEO Jane Fraser in front of some American flags wearing a fuchsia top.
Citi's Jane Fraser

NICHOLAS KAMM/Getty Images

Citigroup is doubling down on its AI ambitions with new leadership at the helm of its tech transformation. In a memo obtained by BI, the three new strategy leaders outlined the firm's progress and ambitions as CEO Jane Fraser continues her mission to modernize the firm.

Meet the new exec in charge of giving an AI facelift to Citi's lagging wealth business.

Citi's top tech executive, Shadman Zafar, outlined the bank's four-phased AI strategy and how it will "change how we work for decades to come."

Goldman Sachs
A bald man in a suit smiles
Goldman Sachs' David Solomon

Michael Kovac

Is Goldman in its AI era? These real-world stories about employees using AI (in some cases daily) make it seem so. Take a look at how AI is being tested across the bank and seniority levels, from C-suites to analysts.

Goldman's top partners and CEO David Solomon are eager to see AI rev up their businesses. From realizing internal productivity gains to capturing more business as clients look to raise money in anticipation of AI development and acquisitions, here's what the top echelon is expecting.

There is no AI without data, and there is no data strategy at Goldman without its chief data officer, Neema Raphael. Raphael gave BI an inside look at how his roughly 500-person team melds with the rest of the bank to get the most out of its data.

AI's impact has ripple effects that go far beyond technology. Goldman's chief information officer, Marco Argenti, predicts that cultural change will be critical to getting the bank to 100% adoption.

Morgan Stanley
Morgan Stanley's incoming CEO Ted Pick poses for a portrait in New York City, U.S., December 21, 2023.
Morgan Stanley CEO Ted Pick

Jeenah Moon / Reuters

Morgan Stanley wants to turn employees' AI ideas into a reality. Here's an exclusive look at that process.

See how AI is transforming Morgan Stanley's wealth division and the jobs of its 16,000 financial advisors.

Thanks to its partnership with ChatGPT-maker OpenAI, Morgan Stanley has ramped up its AI efforts. The exec in charge of tech partnerships and firmwide innovation opened up about how it all started.

Bank of America
Bank of America CEO Brian Moynihan
Bank of America's Brian Moynihan

John Lamparski/Getty Images

Bank of America's chief experience officer, Rob Pascal, details how the bank's internal-facing AI assistant helps bankers collect, record, and review client data. Here are all the ways it's helping employees be more effective and efficient.

How Bank of America is using an AI-powered tool to help its bankers prep for client meetings more efficiently

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I don't give money at weddings anymore. My gift is my presence.

5 May 2025 at 15:16
A paper present box opening side by side
Β There are a few reasons I don't give anyone wedding gifts anymore.

Ava Horton/BI

  • Over the past few years, I've attended at least nine weddings without giving a single gift.
  • I typically have to travel great distances to attend my friends' weddings, which can get expensive.
  • None of my friends have brought up not receiving a wedding gift from me.

My 20s and 30s have been riddled with invitations β€”Β  weekends booked with bachelorette parties, bridal showers, and weddings that stretch from one coast to the other.

Like many young people, I followed all the unspoken rules: show up, look good, and don't forget the gift. I felt obligated and, to be honest, wanted to give the impression that I, too, "had it all together."

Weddings are treated as a grand rite of passage into adulthood, and buying a gift felt like a way to show I was on the same page.

But as the invitations kept coming, so did the reality check. I wanted to be present for my friends, but the cost of attending, participating when asked, and buying a gift for weddings just wasn't compatible with my own lifestyle goals.

So, rather than resent my loved ones for the monetary burden, I opted out: no more wedding gifts. In the past six years, I've attended at least nine weddings without giving a single gift β€” and I have no regrets.

In my mind, the act of giving gifts at a wedding is outdated

A table of gifts with purple ribbon, flowers, and a white cardbox.
Wedding gifts can get expensive.

Bobby Twilley Jr/Getty Images

Wedding gifts were originally intended to help newlyweds establish their first adult household. It made sense for guests to chip in on matching dishes or a set of good knives, but let's be real β€” times have changed.

Most of my partnered friends have built their homes and intertwined their lives long before saying "I do."

There's also a broader cultural shift to consider. Millennials and Gen Z are facing a different economic reality than previous generations.

Student loans, stagnant wages, and rising costs of living have made it harder for many of us to achieve the financial stability our parents had by the same age.

And yet, many expectations on how we spend our money for and at weddings have persisted.

I've chosen to be present instead of buying presents

Over the past six years, I've lived in three countries and five cities, including Washington, DC, Belgium, and now Mexico.

Even when I lived stateside, many celebrations required travel to nearby states or across the country. This demanded a lot of time, effort, and careful planning β€” not to mention money.

No matter the location, I made it a priority to commemorate my friends' milestones with my presence. Together, we reminisced, laughed, and made new memories. In my opinion, no material gift could ever top that.

Gift or no gift, I know my friends still love me

None of my friends have ever mentioned not receiving a gift from me, so out of curiosity, I recently asked a few how they felt about it.

The consensus was that they hadn't even noticed until I mentioned it. They were honored that I made the trip to celebrate with them and didn't care that I showed up empty-handed.

In fact, one friend only realized I didn't bring a gift because I wasn't on her list for thank-you cards. When pressed about the lack of a gift, she reiterated she was not offended, especially because I'd traveled from Mexico to New York for her wedding.

My takeaway is that people who care the most just want you there, standing by their side or leading the charge onto the dance floor.

Of course, when I can't attend, I will mark the occasion with a gift to share in their joy and demonstrate my support despite the distance.

I pride myself on being a good friend; however, I refuse to let societal pressure dictate that my love and friendship must come in the form of cash or a neatly wrapped box.

This story was originally published on February 20, 2025, and most recently updated on May 5, 2025.

Read the original article on Business Insider

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