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Thanks to Monarch for partnering with me! Start your free trial and get 50% off your first year of total money clarity using my link https://monarchmoney.yt.link/WW7Xqyc or code euro50. Oracle announced it will be laying off tens of thousands of its employees in an attempt to save cash. Not that long ago the company could borrow any insane amount it wanted. In other words, the proposed job cuts at Oracle offer more confirmation of credit market stress. So do the layoffs Block had announced in late February. The cycle has completely flipped, including Fitch admitting one form of selective default is at a 14-year high while UBS locks up one European fund for three years! Eurodollar University's Money & Macro Analysis Oracle cutting thousands in latest layoff round as company continues to ramp AI spending https://www.cnbc.com/2026/03/31/oracle-layoffs-ai-spending.html Oracle announces Equity and Debt Financing Plan for Calendar Year 2026 https://investor.oracle.com/investor-news/news-details/2026/Oracle-announces-Equity-and-Debt-Financing-Plan-for-Calendar-Year-2026/default.aspx UBS gates €400mn property fund for up to 3 years https://www.ft.com/content/67d6e6ab-724c-4e23-b806-51fed911b766?syn-25a6b1a6=1 U.S. Private Credit Defaults Ease to 5.4% in February 2026 https://www.fitchratings.com/research/corporate-finance/us-private-credit-defaults-ease-to-5-4-in-february-2026-18-03-2026 Private Credit’s Investor Exodus Spreads to Consumer Loans https://www.wsj.com/finance/investing/private-credits-investor-exodus-spreads-to-consumer-loans-de2507d7 Non-Cash-Generating Private-Credit Loans Rise to a 14-Year Peak, Fitch Says https://www.wsj.com/articles/non-cash-generating-private-credit-loans-rise-to-a-14-year-peak-fitch-says-02ed4b94 https://www.eurodollar.university Twitter: https://twitter.com/JeffSnider_EDU