| Dear Reader, This week has been one of the most interesting in my career. We’ve seen a spectacular standoff between the grassroots investor group r/WallStreetBets and hedge fund short sellers... and we’ve seen the swift and rather heavy-handed response of the financial establishment. In one of this week’s Over My Shoulder issues, music industry lawyer and blogger Bob Lefsetz comments on the showdown. He claims the same digital disruption that struck his business has reached Wall Street. His take: Ultimately, the disruptors will win... “Disruption happens when the people get ahead of the institutions. And the new game is always more equitable for the masses, whereas the old game saw concentration of capital within a very few. So, Wall Street, making money on the internet, didn’t see that the internet would be its downfall.” If he’s right, the implications are huge. This also shows you how timely our Over My Shoulder contributors are in their commentary. And I should note that this also tells you about the breadth of what I read and what eventually shows up in Over My Shoulder. I mean, who reads newsletters from music lawyers for tech/social insights? You could say that about a lot of what I read. But you get the benefit of the best and most important from what I read in your inbox. Whatever happens in the economy, the markets, and US/global politics, you’ll read about it here almost immediately. And the profound insights you’re getting as an Over My Shoulder subscriber usually beat the highly biased and hyperbolic “information” you’ll find in the mainstream media. Take this limited-time opportunity to literally look “over my shoulder”... and join us before Sunday, January 31, for just $9.95 a month. "An eclectic collection of well-informed thinking. I am a better investor because of the insights I receive. Even good for cocktail party conversations!" – B.T., WA What will happen in this ongoing tale of “retail investors versus Wall Street”? That’s yet to be seen... but I bet our Over My Shoulder contributors will have plenty to say about it—and other important developments—in the coming weeks and months. So please consider a monthly subscription to Over My Shoulder today. It’s a time-saving take on what matters to you... it’s very affordable (especially with the 33% discount)... and you commit only to one month at a time. Your always ready for disruption analyst, 
John Mauldin
Co-Founder, Mauldin Economics | 