Wal-Mart (NYSE:WMT) had a lackluster Q4 earnings report. Leadership blamed the end of the payroll tax cut, saying that shoppers are struggling financially, and just not spending like they used to. In our lead story for Investor Beat, Motley Fool analysts Matt Koppenheffer and David Meier disagree on who's really to blame. Is it the economy, Amazon, or Wal-Mart itself?

We also look at today's movers and shakers before giving you two stocks to watch.

Alison Southwick has no position in any stocks mentioned. David Meier has no position in any stocks mentioned. Matt Koppenheffer owns shares of Berkshire Hathaway and Wal-Mart Stores. The Motley Fool recommends Berkshire Hathaway, Cisco Systems, Guess?, Pandora Media, Red Robin Gourmet Burgers, and Urban Outfitters. The Motley Fool owns shares of Berkshire Hathaway and Guess?. Try any of our Foolish newsletter services free for 30 days. We Fools may not all hold the same opinions, but we all believe that considering a diverse range of insights makes us better investors. The Motley Fool has a disclosure policy.