July 4, 2025

Happy Friday—and Happy 4th of July, everyone! 🎆🇺🇸
Good morning! Whether you’re firing up the grill, planning a chill day off, or just excited about not opening your laptop (relatable), I hope your holiday is off to a great start.

Now, let’s talk about something they definitely didn’t teach us in school: leverage.

No, not the kind where someone tries to win an argument—this is the kind that helps you earn more without working more. It’s how the wealthy multiply their time, money, skills, and relationships to unlock way bigger results than they could ever achieve solo. 💼⚙️📈

Today, we’re diving into how leverage works—and how you can start using it to build more freedom, faster.

Let’s celebrate smart moves, big impact, and a future that scales with you.

— Ryan Rincon, Founder at The Wealth Wagon Inc.

— Herbert Hoover

Market Update: Markets were riding high today, with green arrows lighting up like it was earnings Christmas 🎄📈

The Nasdaq popped 1.02%, the S&P 500 added 0.83%, and the Dow Jones rolled forward 0.77%, all keeping the momentum going strong. Even Bitcoin joined in, rising 0.88%—crypto’s not sleeping on this rally!

Silver sparkled with a 0.85% gain, while gold took a step back, down 0.71%—clearly letting silver have the spotlight today. ✨

In the stock spotlight:

Today was a textbook “risk-on” kind of vibe—strong growth across tech, crypto, and AI while gold caught a breather. Let’s see if the bulls stay buckled in for tomorrow.

JPMorgan Scales Back Stablecoin Forecast to $500B by 2028
JPMorgan downgraded its growth estimate for stablecoins from $4 trillion to $500 billion by 2028, citing limited real-world usage beyond trading and DeFi. For institutional crypto teams, that signals measured optimism (aka caution with champagne).

Texas Establishes Strategic Bitcoin Reserve via SB 21
Texas officially passed SB 21, allowing the state to create a Bitcoin reserve—its third after Arizona and New Hampshire. Crypto-curious investors: state treasuries are finally getting BTC-friendly.

Coinbase Stock Climbs After Stablecoin Payment Launch & Regulatory News
Coinbase shares surged after announcing a USDC payments solution (built into Shopify) and the Senate-approved GENIUS Act. Crypto meets commerce—and investors are cheering the bridge.

PayPal Powers Payments for Big Ten & Big 12 Athlete Deals
PayPal (via Venmo) struck deals to process revenue-sharing payments for Big Ten and Big 12 student-athletes—about $100 million over five years. College sports + fintech = a new revenue playbook.

DAZN Secures Exclusive U.S. Broadcast Rights for FIFA Club World Cup
DAZN landed U.S. rights for the FIFA Club World Cup through 2027 via a sublicensing deal with TelevisaUnivision. Sports streaming isn’t just catchy—it’s big-ticket investment.

NHL Commissioner Confirms No Plans for More Teams Beyond 32
NHL Commissioner Gary Bettman said the league isn’t pursuing further expansion, calling its current 32-team alignment “healthier than ever”. Stability over splash—at least for now.

Google Unveils AI Agentic Checkout for Seamless Consumer Buying
Google’s Search now includes “agentic checkout”—AI that tracks price, selects sizes, and buys for you via Google Pay. Pollution-free cart (‘cause you don’t see the button, you just feel the checkout).

IBM Rolls Out AutoML Platform for Non-Tech Teams
IBM introduced a low-code ML platform that empowers non-engineers to build and deploy AI models without code know-how . Everyone’s a data scientist now—almost.

Adobe Beta Launches Context-Aware Remove Tool in Photoshop
Adobe’s Photoshop beta now includes an AI that magically removes objects and fills in backgrounds seamlessly. Design teams, rejoice: pixel perfection just got easier.

Salesforce Introduces Carbon Footprint Dashboards for Teams
Salesforce deployed team-level carbon dashboards to track real-time emissions & foster eco-awareness in office culture—complete with low-carbon bragging rights. Green meets gamified.

Bain Releases Net-Zero Playbook for Corporate Sustainability
Bain & Company rolled out a detailed roadmap for big businesses aiming for net-zero by 2050—complete with benchmarks and case studies. Execs: your climate game just got strategic.

Microsoft Ties 20% of Executive Bonuses to ESG Goals
Microsoft announced that ESG achievements will now influence 20% of exec bonuses—a hefty stake in sustainability and social impact. Corporate morality meets shareholder ROI.

Multifamily Property Investments Jump 33% YoY to $28.8B
Q1 spending on multifamily commercial real estate surged 33% YoY, totaling $28.8 billion—proof that housing fundamentals remain strong . Rental demand + investor interest = a home run.

San Francisco Rents Projected to Rise 4–6% This Year
With prices still down 30–50% from peak, SF rents are expected to climb 4–6%, signaling a potential urban comeback . Value plays meet urban revival.

Office Deal Volume Jumps 80% in January, Reaching $6.2B
January saw $6.2 billion in office transactions—a sharp 80% increase YoY—hinting that investors still see value in workspace assets . Work-from-office? It’s not dead yet.

Hey friend — let’s talk about one of the most underrated concepts in wealth building.

It’s not budgeting.
It’s not investing.
It’s not cutting out lattes (you already know how I feel about that nonsense 🙄).

It’s leverage.

And no, not the Wall Street kind where you're risking your house on margin trading.

I’m talking about the kind of leverage that helps you make way more without necessarily working way harder.

Sound like magic? It’s not. It’s just misunderstood.

Let’s break it down.

Here’s the simplest way to put it:

Leverage is when you use tools, people, or systems to multiply your output without multiplying your effort.

You do one thing, and that one thing keeps working — sometimes forever.

Think about it like this:

Leverage = scaling results without scaling time.

There are 4 main types — and no, you don’t need a massive team or a million followers to start using them.

Use tech to do the boring stuff for you.

Examples:

Time saved = money earned (or energy redirected to higher ROI tasks).

Write or record once, let it sell/educate forever.

This is huge whether you:

Examples:

This one takes a mindset shift: you don’t have to do it all.

Examples:

At first, it might feel like “losing money” to pay someone.

But if they free you up to focus on high-leverage tasks (like strategy, sales, creation)? It’s an investment.

This is the classic one — but most people only think of it in the “buy index funds and wait 40 years” sense.

Let’s widen the lens.

You can use capital to:

Don’t hoard cash. Put it to work.

This stuff isn’t just for the Gary Vees of the world.

Here are some everyday examples:

None of these people have “insider status.”
They just started stacking small leverage moves.

Great question. Here’s a cheat sheet for wherever you’re at:

Here’s the truth:

You can hustle your face off and still hit a ceiling — unless you start multiplying your effort

Leverage helps you break that ceiling.

It’s how a single person can:

Start small. Stack slowly.
But start now.

Because the sooner you stop doing everything... the faster you start earning like someone who doesn’t have to.

I can be passive or active, big or small.
Governments track me, investors chase me.
I shape nations and portfolios alike.
What am I?

Clue:
Started by a college dropout in the '70s, this company’s first product was a personal computer hand-built in a garage.
Its founders helped spark the tech revolution — and one of them got fired… then returned to save it.

July 4, 1776:
While not a financial event in the Wall Street sense, this day marked the birth of the U.S. economy.
Independence laid the foundation for what would become one of the most dynamic markets on Earth. 🇺🇸📜💰

Budweiser once rebranded its cans to say “America.”
From May through November 2016, every can proudly said “America” instead of “Budweiser” — as part of a patriotic marketing campaign.
It didn’t boost sales much… but it did boost buzz.

*Answers at the bottom

Riddle - Answer: Capital

Guess the Company - Answer: Apple Inc.