August 12, 2025

Happy Tuesday! 🌞
Good morning! I hope your coffee (or tea) tastes extra amazing today and your to-do list feels more like an exciting adventure than a dreaded chore.

Ever look back and think, “Wow… I should’ve started that way earlier”? Whether it’s stretching in the morning, drinking more water, or finally watching that show everyone’s been raving about for three years… we all have those “sooner would’ve been better” moments.

Well, investing is no different — except starting earlier doesn’t just save you time, it can actually make you money. A lot of it. Today, we’re talking about the three simple investing moves that your future self will high-five you for starting yesterday.

So if you’ve been waiting for a “perfect” moment to begin, consider this your sign. No time machines needed — just a small step today.

— Ryan Rincon, Founder at The Wealth Wagon Inc.

— William Butler Yeats

Market Update: It was a gloomy day on Wall Street as all three major indexes took a hit — Nasdaq fell -0.30%, the S&P 500 slid -0.25%, and the Dow Jones dropped -0.45%. It seems investors collectively decided to step on the brakes, with tech and blue chips both taking a timeout.

Crypto fans didn’t have much to cheer about either — Bitcoin drifted lower by -0.55%, proving it’s still prone to mood swings.

Commodities weren’t shining, literally: Gold lost -0.32% and Silver tarnished a bit at -0.49%.

In corporate land, Adobe got hit the hardest with a -2.17% plunge — the market equivalent of spilling coffee on your laptop first thing in the morning — while PayPal slipped -0.84%, maybe paying a small price for broader market weakness.

The lone bright spot? JP Morgan, up +0.28%, standing tall in an otherwise soggy trading session — kind of like the one friend who actually brought an umbrella today.

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Microsoft Sued for Ending Windows 10 Support
A new lawsuit accuses Microsoft of harming consumers by ending support for Windows 10. Plaintiffs argue that the move forces costly upgrades and creates e-waste. Microsoft maintains that the decision is part of its regular product lifecycle.

Debian 13.0 “Trixie” Launches with Linux 6.12 LTS
The open-source community is celebrating the release of Debian 13.0, codenamed “Trixie,” powered by the long-term support Linux 6.12 kernel. The update promises improved stability, hardware support, and security features. It’s a major milestone for one of the world’s most influential Linux distributions.

MacBook Air with M4 Chip Hits Record-Low Price
Apple fans are buzzing over a rare deal on the M4-powered MacBook Air. The price drop is being hailed as one of the best tech bargains of the year. Retailers say demand is surging, so supplies might not last long.

Jennifer Aniston Reflects on Brad Pitt and Angelina Jolie ‘Love Triangle’ Years
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‘Gilded Age’ Season 3 Finale Explores Love, Loyalty, and Power
The dramatic conclusion of “The Gilded Age” Season 3 has fans buzzing over the fates of George and Bertha. Themes of ambition, betrayal, and shifting loyalties came to a head in the opulent, drama-filled episode. Viewers are already speculating about possible new alliances in a potential Season 4.

‘Weapons’ Horror Film Scores Box Office Victory
In a summer of mixed results for the movie industry, the horror film “Weapons” has emerged as a surprise smash hit. Its gripping plot and clever marketing have drawn audiences in droves. The movie’s success is fueling renewed confidence in the box office appeal of original horror stories.

Trump Hopes China Will Quadruple U.S. Soybean Orders
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Fed’s Bowman: Jobs Data Supports Three Rate Cuts in 2025
Federal Reserve Governor Michelle Bowman says recent labor market data backs the case for multiple interest rate cuts next year. She believes easing rates could help sustain economic growth amid slowing inflation. Markets responded positively to her remarks, with stocks ticking higher.

Vegas Eyes Comeback After Sluggish Summer
Las Vegas casinos and resorts are launching aggressive promotions to lure back visitors after an underwhelming summer season. Industry insiders say consumer spending habits are shifting, impacting traditional tourism revenue. The city is betting big on fall events to turn things around.

Japanese Yen Steady as Markets Await Key Data
The Japanese yen held its ground in quiet trading, with investors awaiting fresh economic data from Japan and abroad. Currency strategists say the yen’s stability reflects market caution. A major policy announcement could trigger sharper moves later this week.

Gold Price Tumbles on U.S. Tariff Plan Update
Gold prices saw their sharpest drop in three months after reports that the U.S. may soften its tariff stance on bullion imports. Traders say the move could ease global supply pressures. The news caught many investors off guard, prompting swift market reactions.

Gold Market Analysis for August 11
Analysts are offering detailed entry points for gold traders amid heightened volatility. The precious metal is caught between inflation concerns and shifting global trade dynamics. Short-term opportunities are emerging for those willing to stomach the risks.

U.S. Government to Take Cut of Nvidia and AMD A.I. Chip Sales to China
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US Officials Rush to Finalize Details of Trump-Putin Summit
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Why U.S. Politicians Care About Britain’s Age Verification Law
A British law aimed at ensuring only adults access certain online content has caught the attention of American lawmakers. They’re debating whether similar measures could help curb online exploitation in the U.S. While privacy advocates worry about surveillance overreach, others see it as a necessary step to protect minors.

Hey friend — let’s have some real talk.

You ever look back at something and think:
“Dang… if I had just started that a little earlier, I’d be way ahead right now.”

Yeah. Same.

When it comes to investing, that feeling hits hard — because the game rewards the early birds way more than the ones who show up fashionably late.

So let’s make sure you aren’t looking back in 5, 10, or 20 years wishing you had pulled the trigger.

Here are 3 investing moves that, if you start right now, future-you will send you a thank-you note for.

You’ve heard this before — but maybe you’re still “getting around to it.”

Low-cost index funds.
Automatic contributions.
Set it and (mostly) forget it.

It’s not flashy. It’s not the hot stock tip your coworker whispers about. But it works.

Here’s the thing: time is the magic ingredient.

Same monthly amount. Different start dates. Totally different outcome.

📌 Action step:
Pick one account — 401(k), IRA, or a simple brokerage — and automate something. Even if it’s $50 a month. That habit is worth more than the amount at the beginning.

Most people spend their whole life buying stuff that costs them money:

The wealthy flip that script. They buy assets that send them cash, month after month:

Think of it like planting money trees. At first, they’re tiny sprouts. But over time, you’ve got an orchard throwing shade and dropping fruit.

📌 Action step:
Research one asset that produces cash flow — and start small. Buy a single share of a dividend stock. Lend $50 on a peer-to-peer platform. The point is to get in the habit.

Here’s the twist: not all “investing” happens in the stock market.

One of the highest-return investments you can make? In yourself.

When your income grows, you have more to invest everywhere else.

Example: A $2,000 course that lands you a $10K raise pays for itself five times over — in year one.

📌 Action step:
Write down one skill that would make you more valuable in your current role or business. Then commit to learning it in the next 90 days.

Inflation isn’t waiting for you.
Markets aren’t pausing for you.
And opportunities don’t show up with a calendar reminder.

The sooner you start, the more time you give your investments to grow — whether they’re in the market, real estate, or your own skill set.

Remember: it’s not about timing the market, it’s about time in the market.

You don’t need to overhaul your entire life today.

Do this instead:

Tiny moves, repeated over years, turn into massive wealth.

You don’t have to be a genius. You just have to get started.

Future-you is already rooting for you.
Give them a reason to throw a party. 🎉

The wealthiest companies tend to target the biggest markets. For example, NVIDIA skyrocketed nearly 200% higher in the last year with the $214B AI market’s tailwind.

That’s why investors are so excited about Pacaso.

Created by a former Zillow exec, Pacaso brings co-ownership to a $1.3 trillion real estate market. And by handing keys to 2,000+ happy homeowners, they’ve made $110M+ in gross profit to date. They even reserved the Nasdaq ticker PCSO.

No wonder the same VCs behind Uber, Venmo, and eBay also invested in Pacaso. And for just $2.90/share, you can join them as an early-stage Pacaso investor today.

Invest for $2.90/Share

_{Paid advertisement for Pacaso’s Regulation A offering. Read the offering circular at invest.pacaso.com. Reserving a ticker symbol is not a guarantee that the company will go public. Listing on the NASDAQ is subject to approvals.}

Why did the marketer get kicked out of the trampoline park?
Because he kept trying to bounce ideas off everyone.

August 12, 1981: IBM introduced its first personal computer, the IBM 5150. Priced at $1,565, it marked the beginning of the PC revolution and set the stage for Microsoft and Intel's massive growth.

In 2014, a Chinese billionaire gifted 6,400 of his employees a free vacation to France, booking 140 hotels in Paris and 7,600 train tickets for the trip. It still holds the record for the largest corporate holiday in history.

A shop sells pencils at 2 for $1, pens at 3 for $2, and markers at 4 for $5. You buy an equal number of each item for a total of $36. How many of each did you buy?

*Answers at the bottom

Brain Teaser - Answer: You bought 6 of each.