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January 31, 2026

KEWAUNEE

The Summit Brief

Finance & Business · Today's edge in wealth & strategy.

Treasury Rolls Out Trump's Car Loan Interest Tax Deduction

The U.S. Treasury is officially implementing President Trump's car loan interest tax break, a provision of the "One Big Beautiful Bill" aimed at lowering costs for American car buyers. The policy allows eligible taxpayers to deduct up to $10,000 per year in interest on auto loans for new, U.S.-assembled vehicles purchased between 2025 and 2028—whether they itemize or take the standard deduction.

The Breakdown:

Who qualifies: Buyers of new U.S.-assembled vehicles
Deduction cap: Up to $10,000 annually in loan interest
Policy goal: Boost auto sales while easing household financing costs

The Angle: This tax break ties consumer relief directly to domestic manufacturing. For car buyers, it could meaningfully lower ownership costs—while nudging demand toward U.S.-built vehicles.

Above The Fold

News & Media · The signal through the noise.

NRA Sues Its Own Charity in Internal Power Struggle

The NRA has filed a lawsuit against the NRA Foundation, accusing its charitable arm of misusing trademarks and fundraising efforts amid a growing internal schism. The foundation disputes the claims.

Study Finds Former GLP-1 Users Often Regain Weight

New research shows many people who stop taking GLP-1 weight-loss drugs regain much of the weight they lost within about 18 months. Experts say the findings raise questions about long-term treatment strategies.

U.S. Removes Limits on Daily Alcohol Consumption Guidance

The U.S. government has dropped its previous recommendation limiting alcohol intake to one or two drinks per day. Public health advocates argue the updated guidance downplays the risks associated with drinking.

The Horizon

Where culture meets the edge of tomorrow.

Personal Reckonings & Public Confession

Jennette McCurdy opened up on the Call Her Daddy podcast about dating a man in his 30s when she was just 18, calling the experience "red flags all around." She shared that the relationship inspired her upcoming novel Half His Age, which explores similar themes.

Meanwhile, bestselling Christian author Philip Yancey admitted to an eight-year extramarital affair in a public statement published in Christianity Today. Yancey apologized to his wife, readers, and God, acknowledging the personal and spiritual consequences of his actions.

Peak Condition

Health & Fitness · Your performance edge.

How to Break Through a Plateau (When Nothing Seems to Work)

Plateaus happen to everyone. When progress stalls, it usually means your body has adapted to your routine. The solution isn't to try harder—it's to try differently. Changing one training variable can restart progress immediately.

Increase training volume, adjust frequency, change exercise selection, or implement new rep schemes like rest-pause or drop sets. Improve sleep, increase protein, and reduce stress. Sometimes the most effective plateau-breaker is a deload week. Give your body a new stimulus and progress returns.

The Climb

Vertical moves for your mind & career

How to Develop Pattern Recognition for Better Decisions

Pattern recognition is what separates average performers from exceptional thinkers. It allows you to spot trends early, avoid repeated mistakes, and make faster decisions with less information. Pattern recognition improves with exposure and reflection.

Study case studies, read widely across disciplines, and review your own experiences for recurring themes. Ask: "What does this remind me of?" Build mental models to categorize problems. Over time, your ability to connect dots becomes a strategic advantage.

Elevation Essentials

Life Systems · Small moves, massive returns.

The Monthly Bill Calendar: Never Miss Another Payment

A bill calendar keeps finances predictable and eliminates late fees forever. One glance tells you what's due and when.

	List due dates — Rent, utilities, loans, subscriptions
	Track payment method — Auto-pay or manual
	Mark paydays — See cash flow clearly
	Review monthly — Adjust as needed

Pro Tip: Align bills with payday to reduce stress.

Subject: Important Security Update for Your Account Dear Account Holder, We are writing to bring to your attention some vital information regarding the security of your account. Your safety and the integrity of your personal information are paramount to us, and we want to ensure you are fully informed about the measures we have in place as well as the actions you can take to enhance your security. **Understanding Our Commitment** Our organization is deeply committed to maintaining a secure environment for all our users. We employ a multi-layered security approach designed to safeguard your data and protect your account from unauthorized access. Our security strategy includes: - **Advanced Encryption Techniques:** We use state-of-the-art encryption to ensure your data is protected both in transit and at rest. - **Constant Vigilance:** Our security team is dedicated to monitoring our systems around the clock to detect and address any potential threats swiftly. - **Regular Security Audits:** We conduct frequent audits and assessments to identify and rectify vulnerabilities in our systems. **Your Role in Security** While we are committed to providing a secure platform, your active participation in safeguarding your account is crucial. Below are some important steps you can take: - **Create Strong Passwords:** Use a mix of letters, numbers, and symbols to create a password that is difficult to guess. Avoid using easily accessible personal information. - **Be Wary of Phishing Scams:** Always verify the authenticity of emails and messages you receive. Do not click on links or download attachments from unknown sources. - **Enable Multi-Factor Authentication:** Add an extra layer of security to your account by using multi-factor authentication where available. - **Review Your Account Activity:** Regularly check your account activity for any unfamiliar transactions or changes. **Immediate Action Steps** If you notice any suspicious activity or believe your account has been compromised, please act immediately: - Contact our support team through the official contact methods listed on our website. - Change your password immediately. - Review your recent transactions and notifications for anything unusual. We may also take precautionary measures to protect your account if we detect unusual activity, such as temporarily suspending access and contacting you to verify your identity. **We Are Here to Help** Our dedicated support team is available to assist you with any security-related queries or concerns you may have. We are committed to ensuring that you have the resources you need to maintain a secure account. **Final Thoughts** Thank you for your attention to this important matter. Your security is a top priority, and we are grateful for your cooperation and trust. Together, we can ensure a safe online environment for everyone. Kind regards, The Security Team

Uncharted Terrain

Travel & Exploration · Beyond your current elevation.

DAY 5 - FLAVOR JOURNEY: Baltic Cuisine

Estonian food is hearty Northern European fare designed for cold winters. Start with black bread (leib)—dense rye served at every meal, often with herb butter. Restaurant Rataskaevu 16 in Old Town serves modern Estonian classics like elk tartare and Baltic herring. For traditional, try Olde Hansa, a medieval-themed restaurant where servers dress in period costume and candlelit tables serve bear, boar, and mead.

Don't miss verivorst (blood sausage), mulgikapsad (pork and sauerkraut stew), and kohuke (sweet curd snacks locals devour). Tallinn's Balti Jaama Turg market offers fresh smoked fish, elk salami, and pickled everything. The craft beer scene explodes at Põhjala Brewery. For fine dining, Restaurant Ö earned a Michelin Green Star for Nordic-Baltic tasting menus using foraged ingredients. Estonians love their vodka and Vana Tallinn, a sweet rum-based liqueur. The food reflects the land: simple, robust, and unapologetically Baltic.

Tomorrow: Where to rest your head...

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Saturday, January 31, 2026

⛰️ Late fees are stealing $500 from you every year