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.