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>> bill: another reason to hate tiktok. another reason. >> dana: i'm not saying i love tiktok. >> i'm not saying i love tiktok, either. an example of what can go hideously awry. >> dana: i see dog videos. not how to steal a car. >> bill: markets are open. check out wall street. market slightly higher on the last trading day of january. up 20 points at the open. investors saying don't get used to it. they predict stocks will sink and recession will hit the u.s. later this year as americans delay retirement and fall behind on loans. pocket money on the side is being spent. larry kudlow former director of national economic counsel. good morning to you. i want to present to findings to you and let you rip on this, okay? capital one has set aside a billion dollars to cover potential loan losses. that's up 33% for capitol one.

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