July 13, 2025

Happy Sunday, everyone! 🛋️
Good morning! I hope today brings you a second cup of coffee, a slow morning, and at least one moment where you remember how far you’ve come.

Let’s say the quiet part out loud: You’re making more money now—and that’s amazing. 🎉

But here’s the twist... more money doesn’t always mean more peace. Or freedom. Or progress. In fact, it’s very easy to earn more and still feel stuck (or just upgrade your problems).

Today, we’re talking about what to actually do when your income goes up—how to avoid lifestyle creep, build something lasting, and still enjoy yourself along the way. 💸🧠🎯

Because making more is just the beginning. Keeping it, growing it, and using it well? That’s the real flex.

— Ryan Rincon, Founder at The Wealth Wagon Inc.

— Warren Buffett

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Walgreens green-lights $10 billion merger deal
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‘Love Island USA’ stars break the internet with surprise split
Chelley and Bryce, a fan-favorite couple from Love Island USA, shocked viewers by announcing their breakup. The two cited personal growth as the reason, but fans aren’t buying it. Twitter’s got jokes—and theories—by the thousands.

Bryan Cranston reflects on going ‘lone wolf’ after Breaking Bad
Bryan Cranston opened up about life after Walter White, saying he's enjoying a slower, more personal phase. The actor discussed creative burnout and the joy of smaller projects. Fans are eager to see what his 'lone wolf' era looks like.

xAI apologizes after Grok chatbot spirals into rant
Elon Musk’s AI company, xAI, issued an apology after its Grok chatbot generated a bizarre and offensive rant. The incident was blamed on newly uploaded ‘loose’ instructions during a test phase. xAI says it's tightening up safeguards and updating training protocols.

Tesla buyers warned: tax credit deadline looms large
Electric vehicle enthusiasts, take note—your $7,500 tax credit could vanish soon. The government is revising EV incentive criteria, and some models may no longer qualify. Tesla recommends buyers act fast to secure their deals before the new rules kick in.

AI-enhanced tools helping identify rare genetic diseases
Doctors are using AI to spot hard-to-detect genetic disorders with incredible accuracy. These new tools can cut diagnosis time from months to days. Experts say this could be life-changing for families dealing with undiagnosed conditions.

Trump hits EU and Mexico with steep new tariffs
Former President Trump announced 30% tariffs on the European Union and Mexico, escalating an already intense trade battle. The move comes via letters posted to Truth Social, catching many by surprise. Critics warn of higher prices, while the EU hints at retaliatory measures already in the works.

Obama re-enters spotlight to counter Trump in 2025
Barack Obama has stepped into the political ring to challenge Trump’s growing influence in the 2025 election cycle. He's been campaigning for Democratic candidates and calling out Trump’s immigration and trade policies. Analysts say it’s a rare but calculated move to energize the base.

Federal judge blocks immigration arrests without warrants
A judge has temporarily blocked the Trump administration from conducting immigration arrests in L.A. without warrants. The order comes after weeks of aggressive enforcement raids in major cities. Immigration advocates are calling it a 'win for civil rights'—at least for now.

Iran open to nuclear talks—but only with guarantees
Iran has signaled it’s willing to return to nuclear negotiations with the U.S., but only if it's promised no further attacks on its territory. The country’s foreign minister made the announcement in a recent press conference. The IAEA is cautiously optimistic but says inspections could be tricky.

Fuel cutoff cited in tragic Air India crash report
A new report on the Air India crash reveals that fuel flow to the engines was accidentally shut off moments before impact. Families are questioning why protocols failed so catastrophically. Aviation experts call it one of the most preventable accidents in recent memory.

Deadly blast in Yemen kills five children, stuns community
A tragic explosion in Yemen has claimed the lives of five children, sparking international outrage. Officials suspect the blast was linked to leftover munitions from ongoing conflicts. Aid organizations are calling for urgent clean-up and education campaigns.

TikTok Faces Major Class Action Over User Data Tracking
TikTok is under fire again—this time facing a potential class action lawsuit alleging illegal data tracking of users without consent. The suit claims the app recorded biometric data and keystrokes, even when the app wasn’t in use. If proven, this could lead to billions in fines and a global policy shift.

Supreme Court Rules on Social Media Blocking by Officials
The U.S. Supreme Court ruled that public officials cannot block critics from their social media accounts if they use those accounts for official communication. The decision underscores how free speech protections apply in the digital space. It’s a major win for First Amendment advocates and internet watchdogs.

Meta Sued Over Alleged Targeting of Minors With Addictive Features
A coalition of attorneys general has filed suit against Meta, accusing the company of knowingly designing Instagram and Facebook features to hook teenage users. The legal filing claims Meta prioritized profits over safety. The company denies wrongdoing but the case could redefine legal standards around social media and mental health.

Hey friend 👋

Let’s say you’ve cracked the code.

You got the raise.
Or landed the new client.
Or launched the side hustle and suddenly… you’re making more money.

Now here’s the fun twist most people don’t talk about:

Making more money doesn’t automatically make life easier.
In fact, it can get messier if you’re not ready for it.

(Yeah, I didn’t want to believe that either.)

So today, let’s chat about how to handle new money without losing your mind — or blowing it all on “treating yourself” into oblivion.

You’d think that making $10K/month would feel 10x better than $1K/month, right?

Sometimes it does.

But if you don’t upgrade your money habits along with your income, you’ll just upgrade your expenses, stress, and expectations.

Here’s what tends to happen:

Sound familiar?

Totally normal. But avoidable.

This is a weird trick, but it works:

Pretend your new money doesn’t exist — yet.

For the first few months, send that extra income somewhere intentional:

This stops your lifestyle from expanding automatically.

You’ll still feel richer — but you won’t blow it on Uber Eats and dopamine hits.

Here’s the dream: your money is flowing to the right places automatically, like a well-oiled machine.

No guilt. No forgetting. No “oops I spent it all again.”

Set up a simple system:

You don’t need a fancy spreadsheet. Just buckets and automation.

The point? Make doing the right thing with your money the default.

Getting a raise or new revenue stream is the perfect time to build habits that actually grow wealth.

Instead of thinking, “What can I buy now?” try asking:

You don’t need to go full minimalist monk.
But maybe hold off on the $3,000 espresso machine until your money is making more money.

One of the biggest flexes you can have isn’t a new car or watch — it’s control over your time.

So think about:

That’s the kind of wealth that makes life sweeter. More income should buy you options, not obligations.

When your income goes up…

Try this:
For the next 30 days, treat all extra money like it’s invisible.
Route it straight to a separate account — no touching.

Then, at the end of the month, ask:

Most people find they didn’t miss a thing… and now they have options.

That’s real power.

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I’m used in strategy, but I’m not a plan.
I appear in SWOT, but not in profit.
I’m a future fear or a current mess.
What am I?

July 13, 1930:
The first World Cup kicked off in Uruguay.
While not a financial market event, it became a case study in global sponsorship, sports economics, and billion-dollar media rights.
⚽ Proof that passion + attention = serious business.

Would you rather…

(Volatility vs. consistency — moonshots or money trees?)

A freelancer charges $120/hour.
They work 25 hours a week for 48 weeks.
Their overhead is $1,500/month.
What’s their net annual income?

*Answers at the bottom

Riddle - Answer: Threat

Brain Teaser - Answer: