The Daily Money: Who is Patrick Byrne? American has a housing shortage. Purchase limits are back at Costco.

Good morning, Daily Money folks, and happy Friday to you! It's Nathan here to usher you into the weekend.

How did the CEO of Overstock.com end up having an affair with a Russian agent, losing his job and later financing a bid to help overturn the legitimate election of President Joe Biden?

Patrick Byrne's story is as bizarre as it sounds. Our Craig Harris got a rare interview with Byrne and tells his story here.

💰 The Daily Money is USA TODAY's Monday-through-Friday-morning roundup of all things personal finance, business and tech. If this email was forwarded to you or if you found it online, you can subscribe for free here!

On to our ... 

💡 INSIGHT OF THE DAY: Ditching the stock market when times get tough can be a bad idea because it means you might miss the inevitable upswing. But about 74% of Americans say they wouldn't stay invested if the stock market suffered a moderate or big decline, according to a recent study by Vise cited by our Jessica Menton.

📰 And here are more stories you won't want to miss:

1. America has a housing shortage: We need another 5 million homes.

2. Looking for the best iPhone 13? Here are five things our Brett Molina learned using Apple's latest models.

3. Fannie Mae issued predictions for the housing market: High prices and construction delays will continue into 2022.

4. Here are five things people get wrong about IRAs: Among them are bankruptcy protection limits and inheritances.

5. Purchase limits are back at Costco: The wholesale club imposed limits on toilet paper and other items due to an increase in demand tied to COVID.

6. Apple will soon let you put your vaccination card in the Wallet app. Here's what it'll look like.

7. There's no other way to put this: The all-civilian crew launched by SpaceX had a few issues with the onboard bathroom.

Elon Musk didn't say exactly what happened. And maybe that's for the best.

--@NathanBomey