New Beginnings for 2026: Expanding Beyond Substack with Four Tailored Publications
Introducing Separate Free and Paid Tiers—Including New Insights, Daily Reports, and Exclusive Annual Perks
As we step into 2026, I’m writing to share an important change in how I’ll be sharing research, analysis, and portfolio insights with the Cara Community.
After careful consideration, I’ve decided that a single Substack no longer meets the varying and evolving needs of our diverse community. In response, I’m excited to introduce four distinct publications—each designed to serve a different level of engagement, from casual readers to dedicated investors.
Here’s the new structure for 2026:
1. Free Navigator
Available at billcara.substack.com
The complete 600-page Weekly Navigator report
One daily commentary including an audio discussion via Gemini covering the weekly Navigator and daily market insights
2. The Navigator Brief
*$15/month or $150/year*
Condensed, actionable Weekly Navigator Brief (which will be separated from the full Navigator report
Gemini audio breakdowns of all daily INSTAT Market Pulse Reports
A copy of every eBook I publish
3. INSTAT Market Pulse Reports
*$17/month or $170/year*
Daily INSTAT Market Pulse Reports (full instrument scoring; 3 reports Mon-Thu, 1 report on Fri)
A copy of every eBook I publish
4. Portfolio Select
*$500/year ($200/year until March 1)* (no monthly option)
Professionally curated investment model suite of five unique portfolios to be extended to ten on March 1.
Weekly emailed change reports
A copy of every eBook I publish
A Special Thank You to Annual Subscribers
To those who committed early: All annual subscribers who paid before the 2026 New Year will automatically receive both The Navigator Brief and INSTAT Market Pulse Reports for all 12 months of 2026—at no additional charge.
Your trust and support mean everything, and this is my sincere thank-you.
For our free subscribers: nothing changes. You’ll continue to receive the Free Navigator with all its current benefits.
This new structure allows me to serve you better—with more focused content, clearer value, and flexibility depending on your goals. Whether you’re here for weekly insights, daily pulse checks, or curated portfolio models, there’s a place for you in the Cara Community.
Thank you for being part of this journey. Here’s to a year of clarity, growth, and thoughtful investing.
Stay tuned for updates, and as always, navigate wisely.
Bill Cara
Founder, Cara Community
Bill, thank you for including us on this journey with you. I am continually amazed at the clarity and grounding that you provide. Enjoy a happy, healthy 2026!