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.

This article represents the opinion of the writer, who may disagree with the “official” recommendation position of a Motley Fool premium advisory service. We’re motley! Questioning an investing thesis -- even one of our own -- helps us all think critically about investing and make decisions that help us become smarter, happier, and richer.