• Kourtnee Turner used Maryland homebuying incentives to purchase her first house in Baltimore.
• She previously joined the Tulsa Remote Program, which paid her $10,000 to live in Oklahoma.
• Turner found Baltimore’s culture and cost of living ideal for her lifestyle.

This as-told-to essay is based on conversations with Kourtnee Turner, 34, a mortgage professional who purchased her first home in Baltimore after utilizing various homebuying incentives. She moved to Baltimore from Tulsa, Oklahoma, after taking advantage of the Tulsa Remote Program, which grants movers $10,000 to live there. The conversation has been edited for length and clarity.

I moved from Newport News, Virginia, to Tulsa, Oklahoma, in 2022 because of the Tulsa Remote program.

It was around Christmastime of 2021, and I was looking for a new opportunity. I had just moved to Newport News from Virginia Beach just for that year. I really needed a change of pace, and I got introduced to MakeYourMove.com.

I saw that a bunch of different cities had incentives for remote workers at the time, and I thought Tulsa’s program had the most moving parts to it.

There was one in West Virginia, there was one for Chattanooga, and there were some for Michigan. I didn’t think I would like it in any of those places. I chose Tulsa.

When I got to Tulsa, there were about 2,000 people who had made the move already, so I knew a lot of people had gone through the program. They called me, I interviewed, and they accepted me in February of 2022, but I did not move until October of 2022.

I probably thought about buying a home in Tulsa when I initially moved there, but after I lived there for a year, I decided it probably wasn’t for me.

I just went out there to experience it. But being 1,000 miles away from all my family members was a little bit crazy because I’m from Virginia.

I was in Tulsa for 13 months. You only have to stay for 12, but I was there for 13 really just because I was waiting to close on my house in Baltimore.

I enjoyed my time in Oklahoma. I made some great connections, and I’m always grateful for the opportunities that I was afforded by participating in the program.

But as a single woman of color, I felt like Baltimore was more in alignment with what I have planned for myself.

I stacked multiple incentives to buy a home in Maryland

I know a lot of people in my age range who own homes.

I was privileged enough to be around people in my personal life who owned homes, so I could negate all the social media chatter saying, “We’re never going to afford to buy a house.”

I didn’t want to rent again. I wanted to ground myself, because by the time I moved to Baltimore, I had moved to three cities in three years.

I purchased my house for $200,000. My mortgage payment was around $1,700, but then I experienced a layoff in 2024, so I got a loan modification, and now I’m paying $1,432.

My house is a three-bedroom, one-and-a-half bath with a basement. It was built in 1920, and has 1,160 square feet — and that’s just the finished square footage, not including the basement.

I was paying $1,085 for rent in Tulsa for a two-bedroom — but it was in a really nice area.

The incentive in Maryland I initially found out about was the Maryland SmartBuy Program. They’ll pay off your student loans if you purchase a house in Maryland. I came across that on Instagram — thank goodness for social media.

I saw it and I was like, “I have student loans, I want to buy a house. Let me inquire more.” Then I thought, if I’m going to move to Maryland, where can I afford to buy?

Rates were pretty high at that time, so I thought about how far my money could go. So I decided to look into Baltimore.

Since I’m familiar with a lot of cities having programs with incentives for homebuying, I found Live Baltimore. That organization offers incentives and teaches people about moving to Baltimore. So I learned about the $10,000 first-time homebuyer grant, as well as the Trolley Tour Lottery, which is a $5,000 grant — both of which I got and went toward the purchase of my home.

Owning a home was a personal goal. I have been in the mortgage industry for a decade now, and I think I have a little bit more insight and firsthand view of owning a home. I think it was the best investment I could have ever made — it’s protection.

For me, it saved me when I didn’t have a job. You can call the bank and say, “Hey, I got laid off,” and there’s protection that you don’t have in renting.

I don’t think people realize how much of a safety net it is to be a homeowner, and how you build wealth and equity by owning a home.

Baltimore offered a lifestyle closer to what I was looking for

Moving to Maryland was about the incentives, but moving to Baltimore specifically was about the cost of living and the quality of life.

Baltimore is a little bit more cultured overall, and it’s more fast-paced than Tulsa — and I’m a young person, so it just made more sense. There are a lot of families in Tulsa.

For young people, Baltimore is bustling. You can be out every night because there’s so much to do.

We have a Major League Baseball team here, we have an NFL team here, we have so much access to so many things on the East Coast. I love the harbor, I enjoy the many parks, and the National Aquarium is here. We have all kinds of events that you can access.

Every day, Baltimore gets better. Honestly, I enjoy living in Baltimore so much.

There’s a lot more here than people think. It’s really a vibrant place. It’s a little weathered sometimes, but overall, everybody is really kind.

• Palmer Luckey teased his new take on the Nintendo 64, which he said will include new and never-before-seen video game titles.
• The ModRetro M64 faced tariffs and manufacturing concerns, Luckey wrote on X, but the price will remain $199.
• Luckey is an avid video game collector and previously released a ModRetro handheld device that can play Game Boy games.

Palmer Luckey is a gamer at heart — and he’s been cooking up something new.

The Oculus cofounder first made his mark on gaming by changing the VR landscape. Then he began releasing new gaming designs and modern versions of retro consoles.

Luckey is back with another design soon to hit the market: a take on the Nintendo 64.

The ModRetro M64 will be fully revealed on Black Friday, Luckey wrote in an X post with a teaser video.

“Much has changed since we launched early bird pricing at $199 earlier this year, things like inflation, component shortages, tariffs, and more,” he wrote.

These changes haven’t changed the price, Luckey wrote in a piece of “great news.”

“ModRetro can keep the price at $199 not just for early signups, but for Black Friday and beyond,” he wrote. “Get ready to see what a couple Benjamins can still buy you.”

The ModRetro M64 will feature some of the Nintendo 64’s classic graphics, 4K graphics powered by AMD, and additional gaming titles coming soon, according to the teaser video.

Luckey’s “ModRetro” device collection also includes the Chromatic, a portable console that runs Game Boy cartridges. The device quickly sold out after its release in 2024.

Luckey frames his ModRetro devices as being compatible with Game Boy or Nintendo 64 games, but not exact replicas. Though it looks similar to the original console in appearance, the Chromatic doesn’t feature Nintendo or “Game Boy” branding on the device itself. Responding to a 2024 Fast Company story that included an analyst questioning the legality of the Game Boy cartridge-playing device, Luckey wrote on X at the time that the “entire point of our patent system is to trade eventual free use for time-limited exclusivity,” and that “1989 was a long time ago.”

The Anduril cofounder is an avid video game collector. When the world’s largest video game collection went on auction in 2014, Luckey put in an early bid, before bowing out.

In an interview with Bloomberg’s Emily Chang, Luckey described a secret location for his video game collection.

“I put that in one of my missile bases, 200 feet underground,” he said.

On Joe Rogan’s podcast in October, Luckey showcased his personal ModRetro Chromatic, which he described as “even nicer than the ones we normally sell.” He said the device was an Anduril special edition, made from the same alloys the company uses in its attack drones.

On the X teaser, one commenter asked why they would buy Luckey’s M64 product and not a rival game console from Analogue. Luckey responded by citing lower latency, open-source hardware, better compatibility with modern TVs, and the device’s relative affordability.

“It is better by every objective measure,” he wrote. “And that is without even getting into how much better our controller is, or our library of new, re-released, and never-released N64 titles we are about to launch.”

• Nvidia tried to tamp down fears of Google coming for its chip business.
• A report of Google talking with Meta about chips for its data center sent Nvidia shares falling.
• “NVIDIA is a generation ahead of the industry,” the company said in a statement.

Nvidia brushed off concerns that Google is coming for its crown.

“NVIDIA is a generation ahead of the industry — it’s the only platform that runs every AI model and does it everywhere computing is done,” the company said in a statement posted on X.

The chipmaker’s comments followed a report that Meta is discussing plans with Google to potentially spend billions on the tech giant’s chips to power Meta’s data centers. Shares of Nvidia went tumbling after The Information report. As of early Tuesday afternoon, Nvidia was trading down over 3% on the day.

“We’re delighted by Google’s success — they’ve made great advances in AI and we continue to supply to Google,” Nvidia said in the statement.

In response, Google said it was committed to supporting both chips.

“We are experiencing accelerating demand for both our custom TPUs and Nvidia GPUs; we are committed to supporting both, as we have for years,” a Google spokesperson said in a statement.

Google continues to make strides in the AI race. The recent launch of Gemini 3 drew some positive reviews. Unlike many of its rivals, Google has a “full-stack” advantage, which enables it to control the entire process, from AI research to its cloud, which hosts its models.

In contrast, Nvidia has experienced a rocky couple of weeks. The world’s largest company by market cap reported blockbuster earnings for the third quarter, which initially calmed market-wide fears of an AI bubble, only for those lingering doubts to creep back in.

• Shoppers have upped their holiday shopping budgets since this summer, according to a PwC survey.
• Baby boomers and Gen Z are leading the increase.
• The results constitute a rosier outlook than many retailers had going into the fall.

Maybe this holiday season won’t be so lean after all.

Despite early predictions that shoppers would cut spending as they bought gifts this year, a PwC report released Tuesday shows that consumers have upped their spending plans by 7% since June.

PwC’s Holiday Sentiment survey, conducted by the Big Four firm in October, shows that shoppers plan to spend an average of $770 on gifts this year. In PwC’s June Holiday Outlook survey, that amount was $721.

The increase contrasts with predictions earlier this year from some analysts and retailers that shoppers would hold back on spending, potentially making this one of the slowest holiday shopping seasons in years.

“This is the tension defining the 2025 holiday season: consumers said they were holding back — but their actual spend since we
conducted our Holiday Outlook survey suggests otherwise,” the report reads.

“In other words, we’re seeing a classic ‘say-do gap,'” it says.

The oldest and youngest shoppers appear to be powering the increase. Baby boomer respondents said that they plan to spend an average of $858 this holiday season, up from $671 in June, while Gen Z shoppers upped their planned spending to $622 from $586.

Millennials plan to spend less — $843 versus $921 in June — while Gen X respondents had averaged $679 in the latest survey, down from $705.

Going into the holiday shopping season, the National Retail Federation said that this holiday season would be the first holiday season with $1 trillion in spending. At the same time, the trade group said it expects sales growth to be below last year’s 4.3% rate. EMARKETER, meanwhile, expects holiday retail sales to grow 3.6% this year. (EMARKETER is a sister company to Business Insider.)

As the holidays approach, chains from McDonald’s to Home Depot have warned that middle-income consumers are cutting back on spending.

Yet other retailers have expressed optimism about holiday spending at their stores.

Walmart executives have pointed to strong results from smaller shopping events, such as the back-to-school season and Halloween, as evidence that shoppers are still willing to spend on special occasions — as long as they can get decent value for their money.

And Dollar General has said that it is focusing on low-priced items, including many that cost $1, going into the holidays.

If shoppers do indeed spend more this holiday season, the report said it could come at the expense of their spending in the first quarter of the new year, which is historically a slow time for retail sales.

“When it comes to the holidays, people are willing to stretch their budgets, even if it means cutting back in January,” the report reads.

• Google’s Gemini 3 AI model has helped fuel a major turnaround for the company.
• But it’s not the only thing that has put the company and its stock on an absolute tear.
• Its custom chips, antitrust win, and backing from Warren Buffett have all strengthened its position.

Google is on a tear right now — but its success in the AI race wasn’t always guaranteed.

In late 2022, OpenAI captured the moment with the release of ChatGPT. After a number of fumbles as Google struggled to get its own chatbot out the door, some of the closest Google watchers were calling for CEO Sundar Pichai to step down.

Nearly three years later, Google has performed a miraculous turnaround. Its new AI model, Gemini 3, is proving such a win that Marc Benioff said he’s switching from ChatGPT. Google has just surpassed Microsoft’s market cap and is on its way to a $4 trillion status. Its stock price is up nearly 70% this year.

It’s a signal that Google — which has always held the various pieces to compete — has finally got everything working in harmony, all the way from the models up to the platforms like Search that put them in users’ hands.

In the fast-moving AI race, no victory is secure — but Google has never looked stronger. Here’s why.

1. Gemini 3 is a hit

Gemini 3 rolled out to the public last week with rave reviews. It outperforms its predecessor in coding, design, and analysis, and surpasses competing models in benchmark tests. As we at Business Insider discovered, it’s highly adept at designing websites and basic video games, giving it broader use beyond coding.

The new model has allayed some fears that Google was too far behind rivals and that scaling laws — rules that say AI models improve with more data and compute — were slowing down. The company’s stock price has increased by more than 12% since the rollout of Gemini 3 on November 18.

2. When the chips are up

Google has spent over a decade developing its own chips for internal use. Known as Tensor Processing Units (TPUs), Google has used these chips to train its Gemini models. That’s a great advertisement as Google hopes more companies will adopt the chips for their own models.

Google sells access to its TPUs through its cloud business and has made a significant internal push in recent months to attract more customers. That could pose a long-term threat to Nvidia’s business. Google is currently in discussions for a blockbuster deal with Meta worth billions of dollars, which would potentially host some of Google’s chips in one of Meta’s own data centers, according to a person familiar with the discussions. The Information first reported on the arrangement, which sent the shares of chip companies like AMD and Nvidia tumbling on Tuesday.

3. Google’s monopoly win

In September, a federal judge handed down penalties for an antitrust lawsuit brought against Google’s search business in 2020. Those penalties, which threatened to tear up Google’s lucrative search empire, amounted to little more than a slap on the wrist. Google was told it could continue making payments to partners such as Apple for default status, but could not do so exclusively. It was also ordered to share some search data with rivals.

At one point, Google’s Chrome browser was on the chopping block, which could have severed a crucial part of Google’s search-advertising flywheel. Despite the judge ruling that Google had acted as a monopoly, the company came away relatively unscathed.

4. Warren Buffett takes a stake

Warren Buffett’s Berkshire Hathaway built a $4.3 billion stake in Google parent company Alphabet last quarter, a regulatory filing revealed. That’s notable for two reasons. Other than Apple, Buffett has tended to avoid tech stocks. He has also historically avoided expensive, high-growth companies.

As Buffett prepares to step back as CEO, the decision to finally bet on Google — something he said he wished he’d done long ago — suggests strong confidence in the search giant.

5. Search is surviving its AI makeover… so far

Google’s core moneymaker is still search advertising, and one of the big investor fears has been how Google’s self-disruption might hurt its cash cow. Not a lot, apparently: Search revenues jumped 15% in the third quarter, suggesting that even if AI is hurting some websites’ traffic, it’s not harming Google’s business.

In fact, Google says generative AI is causing people to search more than ever. The company is currently testing ads in AI Mode, its chatbot-like version of search that is gradually feeling like less of an experiment and more like Google’s vision for how search will eventually work.

• A 55-year-old health business founder marked his 55th birthday by sharing 55 reasons he feels healthy.
• Kevin Dahlstrom’s viral X post promoted quality sleep and strong social connections.
• Dahlstrom told Business Insider his health has been his priority since he fell ill in his 20s.

A health founder marked his 55th birthday by sharing 55 reasons he believes he’s his “fittest, sharpest, and happiest” — but you probably only need to follow five to improve your health.

Kevin Dahlstrom, the founder of Bolt. Health, an online testosterone replacement therapy clinic based in Colorado, shared his advice in an X post on Monday. It amassed 4.1 million views and was reposted by Bill Ackman.

In the post, Dahlstrom said that his vitality wasn’t down to a secret formula or winning the DNA lottery, but “a million tiny choices, compounded over decades.”

While factors such as our genetics and environment play a role in how long we live, research suggests lifestyle factors are also hugely important.

Stacy L. Andersen, co-director of the New England Centenarian Study and an associate professor at Boston University Chobanian and Avedisian School of Medicine, boiled Dahlstrom’s tips into five must-follows.

She told Business Insider via email: “These tips point to what has been seen in many scientific studies — healthy behaviors such as maintaining an ideal body weight, keeping moving, eating a high-quality diet, getting enough sleep, and keeping your brain active are the best ways to optimize your aging.

“Moreover, evidence shows that doing all of these together can add 10 years to your life!”

Dahlstrom told Business Insider via email Tuesday that his health and fitness have been a priority since his 20s, when he experienced chronic illness, and the list is a result of what he’s learned over time.

“Birthdays (especially after the age of 50) are a good time to reflect on life,” he said.

Here are five of Dahlstrom’s tips that are science-backed.

1. Walk around 5,000 steps a day

Dahlstrom walks upward of 15,000 miles a week, or approximately 2.5 miles a day. “It’s critical to longevity,” he said.

If you break it down, that adds up to around 5,000 steps a day, half the famous, and arbitrary, 10,000 steps recommendation that originated in a Japanese marketing campaign.

But research does link walking daily to healthy aging. One study published October in the American Journal of Preventive Medicine found that people who walked for 15 minutes a day at a fast pace were 20% less likely to die early.

2. Take exercise and mobility seriously

While Dahlstrom’s recommendation to get “hardcore” about mobility and exercise may not work for everyone, being active is crucial to aging well.

One 2022 study published in the British Journal of Sports Medicine found that of the 99,713 participants aged 55 to 74, those who did regular aerobic exercise and strength training were 41% less likely to die from any cause a decade later.

Business Insider previously reported that making a workout routine fun and talking to close friends and family about it helped people stay consistent for three years in a study.

3. Find your purpose

Andersen said the New England Centenarian Study has shown that longevity is associated with greater feelings of purpose in life, while other studies have found that it is also related to a lower risk of dementia and resilience to Alzheimer’s disease.

“Filling your day with activities that are meaningful to you and having things that you want to accomplish keep you invigorated and engaged in life,” she said. Referring to Dahlstrom’s list she added: “Finding hobbies (#21) and being a lifelong learner (#41) are great ways to also find purpose!”

4. Get 8 hours of quality sleep each night

Getting enough sleep is crucial for our health. Adults should aim to sleep for between 7 and 9 hours per night, according to the Centers for Disease Control and Prevention.

Anything less can have a negative impact on health over time. In one 2022 study published in PLOS Medicine involving over 10,000 British civil servants, those who reported getting less than five hours of sleep a night at the age of 50 had a higher risk of developing chronic diseases, such as cardiovascular disease and cancer, and dying from long-term health conditions.

5. Stop drinking alcohol

Drinking alcohol regularly increases your risk of chronic disease and impacts almost every organ in the body. Experts increasingly agree there is no safe amount to drink.

The previous US Surgeon General, Dr. Vivek Murthy, published a report in January 2025 warning of the links between alcohol and cancer risk.

Don’t blindly follow health advice online

Some of Dahlstrom’s tips aren’t in line with evidence-based health advice, for instance: “avoid mainstream medicine except as a last resort” and “don’t take antibiotics except in emergency situations.”

Dr. Kurt Hong, a professor of clinical medicine at the University of Southern California, told Business Insider via email that while antibiotic overuse is “very real” and can impact the gut microbiome, patients only using them in situations they deem an “emergency” is “dangerous.”

Hong added that while functional and integrative health can be helpful, one should not avoid mainstream medical practices such as preventive care, cancer screenings, and vaccinations. “This is a dangerous recommendation by the author,” he said.

And while research indicates psychedelic drugs could be used to treat chronic mental illness in a controlled, clinical setting, Hong said Dahlstrom’s recommendation to “try psychedelics” is dangerous, particularly for patients with mental health issues, which can be worsened with psychedelics, such as PTSD, depression, and bipolar.

Dahlstrom’s said: “I believe that everyone should take responsibility for their own health and make their own decisions. The mainstream medical system is fantastic for acute illness and injury, but equally bad at chronic illness.”