July 29, 2025

Happy Tuesday, everyone! ☕📈
Good morning! Hopefully your day started with something peaceful, something caffeinated, or—if you’re lucky—both at the same time.

Let’s be real: when you think of rich people, you probably imagine big moves, fast cars, or fancy vacations. But the richest people I know? They all have one thing in common—and it’s honestly kind of boring.

They do the basics—consistently.
They track their money. Automate the smart stuff. Stick to the plan even when it’s not exciting. 📊🧠

No wild tricks, no dramatic stories—just steady habits that compound over time and quietly build wealth while everyone else is chasing shortcuts.

Today we’re talking about that one boring thing… and why it just might be your greatest financial superpower.

Let’s get into it—and celebrate boring like it’s the new brilliant.

— Ryan Rincon, Founder at The Wealth Wagon Inc.

— Steve Jobs

Market Update: A split-screen kind of day on Wall Street—modest green for indexes, red ripple through the rest. ⚖️📉📈

Bitcoin slid 1.16%, continuing its bumpy summer ride, while gold fell 0.65% and silver trickled down 0.091%. Not a shining day for safe havens. 🪙⬇️

Wells Fargo took a hit, down 1.48%, possibly feeling some banking pressure. On the flip side, PayPal ticked up 0.31%, and Nike sprinted ahead with a standout 3.89% gain—looking like it laced up for a rally. 👟📈

Not a dramatic day, but one where green felt hard-earned and red came a little easier.

Euro fall accelerates on fears EU-US tariff deal will hit growth
Market reactions to the EU-US tariff deal have been swift, with the Euro declining due to concerns over potential negative impacts on economic growth. Analysts warn that while trade stability may be the goal, short-term volatility is likely as investors reassess European trade forecasts. This development signals continued market sensitivity to geopolitical agreements.

US used about a quarter of its high-end missile interceptors in Israel-Iran war
A new report reveals the U.S. military has used nearly 25% of its top-tier missile interceptor inventory during recent conflict activity involving Israel and Iran. This has raised supply chain concerns and questions about readiness for future defense needs. Pentagon officials are reportedly assessing strategies to replenish stocks quickly.

Trump claims he has stopped six wars as he meets UK prime minister Keir Starmer
During his visit to the UK, former President Trump claimed credit for stopping six international conflicts during his tenure. His remarks came amid diplomatic discussions with British PM Keir Starmer. The statement is being analyzed for its geopolitical implications and factual basis.

European Stocks Erase Gain as Autos Decline on Tariff Jitters
European markets saw gains reversed as auto stocks fell sharply due to renewed fears over global tariffs. The EU-US trade discussions added to uncertainty, particularly for export-heavy industries. Market watchers expect continued fluctuations as negotiations evolve.

This could be the most consequential week for the economy in years
Analysts are dubbing this week critical for the global economy due to major policy announcements and earnings reports expected from several sectors. Inflation, interest rates, and labor data will also weigh heavily on financial markets. Investors and economists are watching for signals of economic recovery or potential slowdowns.

‘Milestone’: China launches first national childcare subsidies amid birth crisis
In response to a plunging birth rate, China has initiated its first nationwide childcare subsidy program. The goal is to relieve economic burdens on families and incentivize childbearing. The move is viewed as a structural attempt to address long-term demographic and economic concerns.

Apple’s MacBook Air M4 is on sale for a record-low price
Apple has dropped prices on its latest M4 MacBook Air, making it one of the most affordable models ever released. The price cut may be part of a broader strategy to boost sales amid a crowded laptop market. Tech reviewers have praised the M4 chip for its efficiency and performance gains.

Why Do Some AI Chatbot Subscriptions Cost More Than $200?)
A WIRED report dives into why AI chatbot services, including premium tiers, can surpass $200 in monthly fees. The article highlights the high cost of model training, cloud processing, and premium data sources. It also raises questions about the accessibility of emerging AI technology for the general public.

UKIE responds to adult games being pulled from Steam and itch.io after pressure from payment processors
The UK Interactive Entertainment Association addressed concerns after payment platforms pressured Steam and itch.io to remove certain adult games. The issue has sparked debate over content regulation versus platform independence. UKIE is calling for a balanced dialogue between developers, distributors, and payment services.

Russia starts direct flights between Moscow and Pyongyang
Russia has resumed direct commercial flights to North Korea, marking a rare instance of engagement between the two countries. This move could signal strengthening ties amid shared tensions with Western powers. Human rights groups have expressed concern about what this means for regional diplomacy.

Extra Bremerton fast ferry sailings to stay; Saturday sailings pause
Washington state has announced that weekday fast ferry service between Bremerton and Seattle will continue, but Saturday trips are being paused. The decision follows ridership reviews and funding limitations. Local commuters have expressed mixed reactions to the changes.

Passengers Evacuated as American Airlines Flight Catches Fire on Runway
An American Airlines plane caught fire during taxiing, prompting an emergency evacuation. The incident occurred at a major U.S. airport, and all passengers were safely removed with no serious injuries reported. Investigations into the mechanical failure are underway.

Bezos Offloads $5.7 Billion in Amazon Stock Ahead of Q2 Earnings
Jeff Bezos has sold a substantial portion of Amazon stock ahead of the company’s Q2 earnings announcement. Market watchers interpret this as a potential signal of either anticipated volatility or strategic liquidity planning. The sale has reignited speculation about Bezos’s future business or philanthropic plans.

Chinese AI firms form alliances to build domestic ecosystem amid US curbs
In response to U.S. export restrictions, Chinese AI companies are forging partnerships to create an independent supply chain. This move is seen as part of a broader strategy to secure tech sovereignty. Industry analysts believe this could accelerate innovation in China’s AI landscape despite global tensions.

Trump is quietly changing the Fed, even without firing Powell
Former President Trump is exerting influence over the Federal Reserve through his political network, aiming to shift its leadership dynamics without removing Chair Jerome Powell. This subtle approach could impact future monetary policy decisions if appointments align with Trump's fiscal philosophy. The financial world is watching closely as the Fed enters a delicate period.

Alright, buckle up — this one isn’t flashy. It won’t get you a Lambo by next Thursday or make you a crypto millionaire overnight.

But it will quietly build your wealth, your freedom, and your peace of mind — all while you sleep.

Here’s the secret:

They own stuff.

Assets. Equity. Real things that make money while they’re not looking.

It’s not sexy. It’s not trending. But it works every time.

Let’s unpack it — because whether you’re running a business, climbing the corporate ladder, or trying to escape your 6-shift-a-week grind, this mindset shift is everything.

Here’s where most people get stuck:

They work → they get paid → they spend → repeat.

It's fine. Until you hit a wall.

Even if you make $250K/year in your corporate job or your business is pulling six figures, if every dollar you earn has to be earned again next month... you're still on the hamster wheel.

Now let’s contrast that with this simple idea:

Own something that pays you — whether or not you show up.

Let’s break it down:

Assets = things that grow in value or generate income while you sleep.

Some examples:

Here’s the fun part:

You don’t have to be rich to own like the rich.

You just have to get started.

Let me give you the vibe of how this works.

Let’s say you’ve got:

Now money is:

This, my friend, is what we call the wealth flywheel.

It starts slow. But once it spins, it’s hard to stop.

Let’s get tactical. Here are three simple starting points — pick one, start today:

It sounds nerdy. But this is the scoreboard of wealth.

Use a spreadsheet or an app like Monarch or Personal Capital.

Log:

Watch your number grow over time. (Even when it dips, it’s fun to watch the comeback.)

You don’t need to become the next Warren Buffett.

You just need to stop living paycheck to paycheck and start thinking like an owner.

Even if you’re 19, broke, and living with your parents — you can start building wealth today with:

That’s it.

Start stacking those little money machines.

And one day, you’ll look up, check your bank account, and think:

“Wait… when did I become that person?”

The more of me you take, the more you leave behind.
I’m not money, but I’m tracked on spreadsheets in logistics.
What am I?

Clue:
Founded in 1967, this company made household cleaning products before pivoting to personal care and hygiene — and now owns more than 20 billion-dollar brands.

July 29, 2008:
Apple hit a $1 trillion valuation in intraday trading (before closing just under it).
It was a sign of the iPhone era's dominance, and it shook up the entire tech valuation game.

Would you rather…

(People vs. product vs. principles — your call!)

*Answers at the bottom

Riddle - Answer: Steps (or footprints)

Guess the Company - Answer: Procter & Gamble