January 10, 2026

Happy Saturday, everyone ☀️
Good morning — I hope your day is starting slow, calm, and exactly how you want it to.

Here’s a thought to ease into the weekend: what if doing nothing with your money was actually costing you money?
Not risky decisions. Not bad investments. Just cash quietly sitting where it shouldn’t.

Today’s post looks at how business owners unknowingly lose tens of thousands simply by leaving cash in the wrong account — and how a few small tweaks can make your money work a lot harder without adding stress or complexity.

Because sometimes the biggest leaks aren’t dramatic… they’re just quietly happening in the background.

— Ryan Rincon, Founder at The Wealth Wagon Inc.

— Naval Ravikant

Market Update: Markets pushed higher today with a broad-based rally across major indexes, signaling renewed risk appetite. The Nasdaq led the charge, climbing 0.95% as tech regained momentum, while the S&P 500 added 0.65%, showing steady participation across sectors. The Dow Jones followed closely behind with a 0.48% gain, reinforcing the market’s overall bullish tone.

Bitcoin pulled back modestly (-0.64%), suggesting some short-term profit-taking after recent strength rather than a shift in trend. Meanwhile, commodities stole the spotlight — Gold jumped 1.25% and Silver surged 5.92%, signaling strong demand for hard assets and inflation hedges.

On the stock front, Google advanced 0.96%, reflecting continued confidence in big tech leaders, while Ford slipped 1.39%. Robinhood remained mostly flat, hinting at cautious sentiment among retail traders.

Overall, today’s action points to a healthy risk-on environment, with equities rising alongside strong commodity flows — a sign that capital is rotating, not retreating.

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Pope Leo warns that war is once again becoming normalized in global politics, urging diplomats to resist escalating conflicts through rhetoric and arms. He emphasized that repeated crises are eroding moral restraint and called for renewed commitment to diplomacy. The address was framed as a caution against accepting perpetual conflict as inevitable.

A powerful winter storm battered the UK and France, bringing heavy snow, flooding, and travel disruptions across major cities and rural regions. Authorities issued weather warnings as temperatures plunged and transport networks struggled to keep pace. Emergency services reported thousands of power outages and dangerous road conditions.

Trump’s latest foreign policy rhetoric has unsettled European leaders, who fear the dismissal of international law could weaken long-standing alliances. Officials worry the stance could embolden unilateral actions and destabilize existing security frameworks. The comments have reignited debates over Europe’s strategic independence.

Northbound lanes on Interstate 5 near the Ship Canal Bridge are set to close overnight, causing major traffic disruptions for commuters. Transportation officials recommend alternate routes as crews carry out urgent maintenance work. Delays are expected to ripple into surrounding neighborhoods.

Atlanta’s transit system is drawing attention after a train timing milestone sparked curiosity and debate among riders. Officials say the unusual interval highlights both operational precision and the challenges of maintaining aging infrastructure. The moment has gone viral among local commuters.

Hilton has cut ties with a Minneapolis hotel after allegations it refused accommodations to federal immigration agents. The company cited policy violations and emphasized its stance on cooperation with lawful authorities. The move has intensified debate around corporate responsibility and immigration enforcement.

NASA is preparing for its Artemis II mission, marking the first crewed lunar flight in decades and a major step toward sustained moon exploration. The mission will test spacecraft systems and life-support capabilities ahead of future landings. Astronauts selected for the crew are undergoing final training phases.

China’s experimental fusion reactor has reportedly surpassed a key energy threshold, bringing scientists closer to practical fusion power. The breakthrough suggests longer sustained plasma reactions than previously achieved. Researchers caution that commercial fusion remains years away despite the progress.

Astronomers have identified a distant galaxy cluster with temperatures exceeding the surface of the sun, challenging existing models of cosmic formation. The discovery raises new questions about how extreme heat is generated on such massive scales. Scientists say the finding could reshape understanding of early-universe physics.

This is not about low interest rates.
This is not about “investing excess cash.”
This is not about budgeting or discipline.

This is about where cash physically lives during the year — and how that choice can increase taxes, reduce flexibility, and block smarter moves without anyone noticing.

Most owners assume:

“Cash is cash. As long as it’s in the business, it’s fine.”

That assumption is the problem.

Business owners confuse three different things:

Those are not the same.

Money sitting in a business checking account behaves very differently than the same dollars sitting in an owner’s personal account — even if it’s “all yours anyway.”

And that difference creates invisible costs.

When excess cash piles up inside a business entity:

Most businesses don’t earn meaningful yield on idle operating cash.

So the tradeoff becomes:

More risk. Same return. Less flexibility.

That’s a bad deal.

Owners often think:

“I’ll leave the cash in the company and pull it later.”

What they don’t realize:

You didn’t avoid taxes.
You just gave up control over when you pay them.

This one surprises people.

Large idle balances inside a business can:

Banks like predictable operating liquidity — not cash hoarding.

Too much money in the wrong account can make financing worse, not better.

When cash stays inside the business “just in case,” owners often:

The money feels busy because it’s “in the business.”

But functionally, it’s idle.

Opportunity cost doesn’t send invoices — so it gets ignored.

No one is incentivized to raise this.

Everyone is technically doing their job.

No one asks:

“Does this cash need to live here?”

This is not aggressive.

It’s just deliberate.

Periodically separate cash into three buckets:

Only the first bucket needs to live in the business account.

The rest should be intentionally placed — not accidentally parked.

The moment you can’t clearly explain why cash is sitting somewhere, it probably shouldn’t be there.

This mistake shows up most in:

Ironically, it’s the disciplined owners who lose the most here.