Ryan Zabrowski

Director of Arbitrage and Author of Investment Book- Time Ahead
Release Date: 01/07/2025

[Ryan Zabrowski @RyanZabrowski]

Your brain reacts more strongly to a realistic hand than a robotic one, even when you are only watching.

New BrainGate data in PNAS (2 participants) suggests BCI device design, not just decoding, may shape control.

Link: https://t.co/hGUlLbqkTl

#Neurotech

[Ryan Zabrowski @RyanZabrowski]

A humanoid robot folded towels and made beds in 30 homes it had never seen.

Success: 9% trained from scratch. 56% with large-scale pretraining.

Data scale is the lever for home robots. Still company-reported, still early.

Link: https://t.co/GkaPI1UDkx

[Ryan Zabrowski @RyanZabrowski]

401(k) savings rate: 14.4%. Record 769,000 401(k) millionaires. Auto-enrollment is in 46.7% of plans, auto-escalation in 29%. Defaults moved behavior more than 20 years of telling people to save more.

*This information is distributed for educational purposes only.

Link: https://t.co/BzZaMgFR7d

[Ryan Zabrowski @RyanZabrowski]

Tax Court, Lewis v. Commissioner: terminating a QTIP by beneficiary agreement produced taxable gifts valued near $35M each. IRS wanted $53M. Discounts built on a testamentary power of appointment did not survive.

*This information is distributed for educational purposes only.

Link: https://t.co/Xs1qqsFHS2
#EstatePlanning

[Ryan Zabrowski @RyanZabrowski]

2026 charitable rules are live. Itemizers deduct only above 0.5% of AGI. Top-bracket benefit capped at 35c on the dollar. Non-itemizers finally get a deduction, up to $2,000 joint. The bunching math changed.

*This information is distributed for educational purposes only.

Link: https://t.co/yQJoN5R9hx

[Ryan Zabrowski @RyanZabrowski]

Medicare AEP opens Oct 15. CMS set the 2027 Part D base premium at $41.33 and is ending the premium stabilization demo, so plan-level pricing can move more than usual. Read the Annual Notice of Change. Check the formulary, not just the premium.

*This information is distributed for educational purposes only.

Link: https://t.co/CzNYOvIItG

[Ryan Zabrowski @RyanZabrowski]

US added 20.2 GWh of battery storage in Q2, a record. Data centers are taking about 75% of new commercial behind-the-meter capacity. Residential installs projected down 16% after a credit expired. Compute is the new load.

*This information is distributed for educational purposes only.

Link: https://t.co/ifFtWGj8lF

[Ryan Zabrowski @RyanZabrowski]

A robot cleared by the FDA to draw blood with no human touching you. 94.5% first-attempt success across 1,600+ patients. One phlebotomist supervises three machines. Automation lands first where nobody can hire.

*This information is distributed for educational purposes only.

Link: https://t.co/BqTiW6yW1J

[Ryan Zabrowski @RyanZabrowski]

Economists still cannot name an occupation AI has made obsolete. One estimate: AI has created about 1M US jobs. White collar hiring slowed. Demand for workers without degrees did not. The data is messier than the headlines.

*This information is distributed for educational purposes only.

Link: https://t.co/8aiCRimapM

[Ryan Zabrowski @RyanZabrowski]

Robots with touch: 62.8% success on contact-rich tasks. Same tasks, vision only: 28.2%. The humanoid capital cycle has been funding bodies. The bottleneck looks like a tactile dataset that barely exists yet.

*This information is distributed for educational purposes only.

Link: https://t.co/Xa10OJ5ki2

[Ryan Zabrowski @RyanZabrowski]

The first human has been dosed with a partial cellular reprogramming therapy. Three genes, aimed at resetting the biological age of optic nerve cells. Six years from blind mice to a glaucoma patient.

*This information is distributed for educational purposes only.

Link: https://t.co/50UteOlMiS

/ #Longevity #Biotech

[Ryan Zabrowski @RyanZabrowski]

Year-end tax note for retirees: a bonus deduction of up to $6,000 (age 65+), up to $12,000 per couple, runs 2025-2028.

It phases out at higher incomes, so managing income (think QCDs, conversion timing) can matter.

*Be sure to first consult with a qualified professional regarding your specific situation before deciding how to act.

Link: https://t.co/OPWj44s9sM

#TaxPlanning

[Ryan Zabrowski @RyanZabrowski]

ACA marketplace premiums: most 2027 filings are double-digit increases, on top of steep 2026 hikes.

Enhanced subsidies are set to expire, ending help above 400% of the poverty line. Re-shop, don't auto-renew, and model your subsidy.

*Be sure to first consult with a qualified professional regarding your specific situation before deciding how to act.

Link: https://t.co/a1Jp2AGPRu

#OpenEnrollment

[Ryan Zabrowski @RyanZabrowski]

Heads up for high earners: starting Jan 1, 2026, if you made over $150k in FICA wages, your 401(k) catch-up contributions must be Roth.

No Roth option in your plan? You could lose catch-up ability entirely. Worth checking now.
Educational, not advice.

*Be sure to first consult with a qualified professional regarding your specific situation before deciding how to act.

Link: https://t.co/18KorH00jS

#RetirementPlanning #Tax

[Ryan Zabrowski @RyanZabrowski]

Meet the Paraborg: a remote-steered cyborg cockroach carrying a mini auto-injector to reach disaster victims machines can't.

In tests it cleared a 2.5m course past 3 checkpoints and hit a target. Early, but a real bio-hybrid robotics frontier.

*Be sure to first consult with a qualified professional regarding your specific situation before deciding how to act.

Link: https://t.co/DzX27iGCeu

#Robotics

[Ryan Zabrowski @RyanZabrowski]

Quantum error correction is a race against time. New in Physical Review Letters: a method (quantum lattice gates) runs some operations in one cycle instead of thousands, making them 1,000x faster and less error-prone.

*Be sure to first consult with a qualified professional regarding your specific situation before deciding how to act.

Link: https://t.co/BgVyr6FvtW

#Quantum

[Ryan Zabrowski @RyanZabrowski]

New in Nature: a pharma consortium trained an open-source AlphaFold-style model on 20,000+ private protein structures and beat public-data-only models.

The AI moat is shifting from compute to proprietary data.

*Be sure to first consult with a qualified professional regarding your specific situation before deciding how to act.

Link: https://t.co/Zkdj8Ez1Pu

#AI #Data

[Ryan Zabrowski @RyanZabrowski]

An FDA-approved HIV drug (maraviroc) reversed several aging markers in old mice by blocking the CCL5/CCR5 immune axis.

Repurposing an approved drug beats building one from scratch. Animal study, but a real signal for longevity.

*Be sure to first consult with a qualified professional regarding your specific situation before deciding how to act.

Link: https://t.co/ypWizlKV7j

[Ryan Zabrowski @RyanZabrowski]

2027 HSA limits are set: $4,500 self-only, $9,000 family, plus $1,000 catch-up at 55+. It is the rare triple-tax-advantaged account. Educational only.

Link: https://t.co/hy0lADVBWn

#HSA #TaxPlanning

[Ryan Zabrowski @RyanZabrowski]

Quiet retirement risk: a big RMD can raise your Medicare premium 2 years later. In 2026, cross ~$109K single / $218K joint and Part B climbs from $202.90 toward $405.80/mo. There are different strategies that can help. Educational only.

Link: https://t.co/N5t4FCff3n

#Retirement