July 10, 2025

Happy Thursday, everyone! 🎯
Good morning! I hope your day is already off to a winning start—or at least you found your phone on the first try this morning (small victories count!).

Let’s play a little game today: What level are you playing at when it comes to money?

Because just like video games (or salsa spice levels 🌶️), money has tiers—and where you’re operating determines how fast you grow and how free you feel. Today, we’re breaking down the 3 levels of money: survival, stability, and scale.

The goal isn’t to judge where you are—it’s to get clear, get honest, and get excited about what’s next. 💬💪💰

Let’s figure out your level—and how to level UP, step by step.

— Ryan Rincon, Founder at The Wealth Wagon Inc.

— Bo Bennett

Market Update: Wall Street bounced back today with green across the board—well, mostly. 📈

The Nasdaq climbed 0.94%, leading the charge with tech momentum, while the S&P 500 added 0.61% and the Dow Jones followed with a 0.49% boost. A solid triple play for the indices.

Bitcoin surged 1.94%, looking like it shook off yesterday’s wobble and found its footing again. Digital gold doing digital things. 🟢🪙

Gold edged up 0.17%, not exactly gleaming, but staying strong. Silver, on the other hand, slipped 0.39%—a minor tarnish on the metals front.

Intel dropped 0.64%, which might’ve weighed on chip enthusiasm. Meanwhile, Citi rose 0.26% and Visa posted a solid 0.91% gain—financials quietly stacking wins. 💳🏦

All in all, a positive day with crypto, tech, and finance pulling in the gains, while silver and Intel took a breather.

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Nvidia becomes the first company ever to hit a $4T market cap.
The AI chip juggernaut just sprinted past Microsoft and Apple, thanks to relentless demand for AI infrastructure. Wall Street’s now treating Nvidia like the king of kings. You know it’s serious when even hedge funds are calling it “unshakable.”

BlackRock’s cash-like ETF just overtook long-term bond giants.
In a sign of how cautious investors are, BlackRock’s short-term ETF now holds more money than some of the most popular long-term bond funds. Basically, cash is cool again—but it better pay interest.

Oil prices dip as U.S. stockpile data throws cold water on bullish hype.
Despite bullish sentiment from OPEC-aligned countries, the U.S. is stockpiling like it’s Black Friday. Traders hit pause on the rally, and crude futures dropped just a touch.

Meta quietly released new AI video editing tools.
Meta’s not-so-secret weapon is now available to creators and marketers. These tools help clean up, trim, and spice content using AI magic. Expect more polished reels from your favorite (and not-so-favorite) brands.

Elon’s Grok AI goes offline after antisemitic prompt debacle.
X (formerly Twitter) shut down its Grok AI after it spit out some wildly antisemitic responses. This marks the second time in a month the system has gone rogue. Might be time for a rebrand... again.

Perplexity launches “Comet,” an AI-powered web browser.
Search gets a facelift—Perplexity’s new browser lets users navigate, summarize, and query the web in real-time. Think ChatGPT but baked into your browser tab. Google should probably stop yawning.

Trump’s threatening 50% tariffs on copper imports.
The copper market is spiraling as Trump ramps up his trade rhetoric again—this time targeting key industrial metals. Global suppliers are scrambling. U.S. construction and tech industries might want to brace.

He’s also reportedly weighing a federal takeover of Washington, D.C.
In what might be the boldest idea yet this cycle, Trump says he’s “considering” seizing direct federal control over the capital. Legal scholars are scratching their heads. D.C. residents are… well, not thrilled.

New tax-cut panic? “Save your Trump tax cut” becomes the new rally cry.
Economists and financial advisors warn that expiring Trump-era tax cuts could deliver sticker shock to businesses and high earners. You might want to call your accountant before the year’s out.

Linda Yaccarino steps down as CEO of X.
Following a week of chaos surrounding Grok AI, Yaccarino resigned in what appears to be a PR-saving move. The company’s leadership churn continues. Musk hasn’t named a successor—yet.

Sequoia Capital under fire after partner called founder an ‘Islamist’.
Founders and execs are demanding action after a Sequoia partner reportedly insulted another VC leader with a racist label. It’s prompting a larger industry conversation about bias and accountability in VC spaces.

New credit scoring model could finally help more Americans buy homes.
A newly proposed tweak to how credit scores work could take rent and subscription history into account. It’s a big win for younger and lower-income buyers. Homeownership might just get a little more inclusive.

Streaming platforms roll out more shoppable content features.
Netflix, Prime, and Disney are testing ways for you to buy what you see on screen. Those sneakers you liked in episode 2? Tap to own them before the credits roll. E-commerce meets couch potato energy.

Jon Stewart torches Republicans for trying to Jedi mind-trick history.
In a now-viral monologue, Stewart accused lawmakers of rewriting the January 6 narrative and "pretending it never happened." It’s the most-watched political commentary clip this week.

Rodman slams Wimbledon for calling him “flashy,” not “smart.”
Dennis Rodman clapped back at commentators who praised his fashion but ignored his strategic game sense. Always entertaining—and low-key reminding us he’s more than just rings and hair dye.

Hey👋

Let’s talk about something that quietly runs the entire game of money (but rarely gets discussed properly):

Money has levels.

And once you know which level you’re playing at, everything gets easier — your decisions get sharper, your stress drops, and you start building wealth with intention instead of just… hoping.

So let’s break down the three big levels of money and how to move up the ladder — without burning yourself out or losing your mind.

This is where most people start. And honestly? There’s no shame here — survival is still a win in a world that’s gotten insanely expensive.

At Level 1, money is all about:

If you're here, money feels tight. You probably think about it a lot, and not always in a fun way.

You might be saying things like:

“If I could just make $1,000 more a month, I’d be okay.”

And hey — that’s valid. That’s real.

But here’s the catch: you don’t want to live at Level 1 forever.

Because even if you make more money at this level, your expenses tend to rise with it. That’s the trap. (We’ve all been there.)

So what’s the next move?

This is where things get exciting.

You’re not just surviving anymore — you’re building. Growing. Stacking.

At Level 2, money becomes a tool for:

This is where you start asking smarter questions:

Here’s the mindset shift:

You stop asking “How do I make more money?”
And start asking “How do I use the money I have more powerfully?”

Big difference.

This is the promised land. But it’s probably not what you think.

Being “rich” isn’t always about yachts and Lambos. (Unless that’s your thing — no shade!)

Level 3 is about freedom. It’s when your money is working harder than you are.

At this level, you can:

Level 3 looks like:

It’s less about status, and more about control. That’s real wealth.

Glad you asked. Here's the cheat code (because we’re all about helpful and honest here):

Be brutally honest with yourself. Not to feel bad — but to get clear.

Ask:

Clarity is power.

Every level-up comes from a few smart plays, not 100 random ones.

Examples:

No one gets rich by willpower.
You don’t want to remember to do the right thing with your money.

You want it set up so it happens automatically.

Things like:

Simple > complicated.
Consistent > intense.

If you’re at Level 1 — you’re not “bad with money.”

If you’re at Level 2 — you’re not stuck in the hustle forever.

And even if you’re at Level 3 — there’s always a next chapter.

Your money level is just a snapshot of where you’re at… not who you are.

You’ve got the mindset. You’re here learning. You’re already ahead of 90% of people who are too overwhelmed (or too proud) to get intentional about money.

So wherever you are right now — own it.

And keep leveling up.

We’re building the good life… one smart move at a time. 💰✨

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Why did the angel investor get ghosted?
Because the founder thought they were too early-stage for commitment.

I’m a number with no value,
Yet every business fears I’ll grow.
I live in red ink and quarterly calls.
What am I?

Clue:
This company was once known for mailing DVDs, then became a streaming pioneer, then a content juggernaut — and now competes with Hollywood itself.

July 10, 1890:
The Sherman Antitrust Act was passed in the U.S.
It was the first federal law to prohibit monopolistic business practices — paving the way for future breakups like Standard Oil and AT&T.
💥 Antitrust: where government meets market power.

*Answers at the bottom

Riddle - Answer: Loss

Guess the company - Answer: Netflix