July 8, 2025

Happy Tuesday, everyone! 💸
Good morning! I hope your day started with something comforting—like a favorite mug, a quiet moment, or your coffee finally tasting just right.

Today, we’re getting into a question that might hit a little too real: Are you good at making money… or keeping it?

Because let’s be honest—earning is one skill, but holding onto what you earn? That’s where the quiet magic happens. 🧠🛠️

It’s like trying to fill a bucket with a hole in it. No matter how fast you pour, it never adds up unless you fix the leak.

So today, we’re talking about what it means to not just hustle—but to hold. Because building wealth isn’t about what you make—it’s about what stays.

Let’s explore how to do both—and why mastering that balance is the real flex.

— Ryan Rincon, Founder at The Wealth Wagon Inc.

— Plato

Market Update: Markets were seeing red across the board:

But wait... what's that glimmer? Oh! It’s Gold, up a microscopic 0.01%—the tiniest of wins, but we’ll take it! 🏅

Elsewhere in stock land:

Silver stayed classy, only dipping 0.39%—a soft shimmer in an otherwise gloomy day.

Chin up, though! Red days happen—sometimes the market just needs a reset button 🔁💼 Let’s see what tomorrow brings!

Learn proven strategies to speed up cash flow and ensure you get paid on time. Download this free guide and take control of your revenue today!

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GDPR-style AI compliance coming
As AI adoption speeds, expect marketing leaders to layer compliance and accountability into their strategies—no slip-ups in the “who-knows-what” era.

Human + AI = dream duo
Brands are merging AI efficiency with human creativity—smart tools for campaign optimization, yes, but the human spark keeps customers hooked.

Gen Z says “give me meaning!”
Young customers want brand activism, authenticity, and ethical transparency—not just slick visuals. Meme marketing plus respectful personalization = engagement gold.

Nasdaq & Bitcoin hit fresh all-time highs
With the U.S. economy flexing its muscles, the Nasdaq surged ~31% year‑to‑date and Bitcoin rocketed to $112K—proof that tech and macro trends are dancing together.

EU Launches €200B “InvestAI” plan
The EU committed €200 billion to create massive AI data centers (“gigafactories”) and support homegrown AI champions—Europe is going big in the AI arms race.

GENIUS Act signed—stablecoin clarity
The U.S. Senate passed the GENIUS Act mid‑June, setting firm rules for reserve-backed stablecoins. Regulators now require transparent reserves and robust audits—crypto enters compliance…finally.

Nvidia Hits New Heights
Nvidia has just surpassed Apple to become the world’s most valuable company! Driven by skyrocketing demand for AI chips, its market cap hit nearly $3.92 trillion—proof that AI hardware is the backbone of modern tech.

Amazon Warns of AI-Driven Job Shifts
Andy Jassy of Amazon cautions that generative AI will reduce traditional corporate roles. But fear not—he suggests upskilling is the key, and employees could find exciting new opportunities in a changed landscape

Domain-Specific AI Takes the Stage
Enterprises are moving beyond generic large language models and embracing AI systems tailored to their specific industries. According to Gartner, domain-specific AI is becoming the go-to for maximizing value and relevance in corporate settings.

Ukraine Conflict Intensifies
Russia claims a foothold in Dnipropetrovsk region, while Ukraine pleads for more air defense backups. Zelenskyy is rallying allies as strikes persist.

BRICS Summit Sparks Trade Jitters
As the Rio summit kicks off, Trump threatens a 10% tariff on countries “aligned” with BRICS—a move stirring a diplomatic storm.

US Speeds Up Asia Trade Deals
A US–Vietnam tariff agreement is shaking up supply chains and prompting other Asian nations to act fast—per Geopolitical Monitor

Single‑family rent remains golden
Q2 continues to show strength in single‑family rental returns—investors love predictability, and renters do too.

Mortgage rates plateau above 6.5%
Most investors expect rates to stay high, reshaping deal structures and cash flow models—but it’s manageable if you lock smart.

No crash—just correction
Forget doom & gloom: housing may dip ~1% this Q, but “crash”? Unlikely. A gentle reset keeps markets stable.

Let’s talk about something most people don’t realize they’re messing up until it’s a little too late:

👉 The difference between making money and managing money.

Now, before your eyes glaze over and you think this is gonna be a boring budgeting lecture — I promise it’s not.

This is more like one of those “if I had known this 5 years ago…” kinda chats. The stuff people learn after the fact… when they’ve already made it, or already messed it up.

So let’s dive in.

Let’s be real — most of the internet is obsessed with earning. You see:

It’s exciting. It’s loud. It gets the likes.

But here’s the thing nobody tells you:

You can make great money… and still feel broke.

Seriously.

Ask any freelancer who just had their biggest month ever… but has $0 in their savings.

Or the business owner doing six figures… but can’t afford a week off without everything falling apart.

Making money is step one. Keeping it, growing it, and using it wisely? That’s the game-changer.

Let’s simplify this:

This is your ability to generate income — through a job, a business, side hustle, investments, whatever.

It comes from:

This is what most people focus on first (and rightfully so — you need cash coming in).

But here’s the twist…

This is your ability to make that income actually work for you.

It includes:

The wealthiest people you know? They’ve got both skillsets dialed in.

No shame here. Just self-awareness.

Think about it:

Here’s the cool part: once you know which side needs work, you can intentionally fix it.

Let’s talk practical steps.

Even if you’re still growing your income, these habits will put you way ahead of most people:

Before you get paid, decide where every dollar is going.
Savings? Investments? Fun money? Business tools?
Give each dollar a job, or it’ll disappear like a ghost at the end of the month 👻

Automation = freedom.
Set your investing, saving, and bill paying on autopilot so you don’t rely on willpower.
(Seriously, willpower is overrated.)

That first extra $1k/month? Don’t spend it all.
Use it to build a cash cushion. It buys you peace of mind — and better decisions later.

Your income is flashy. Your net worth is where the truth lives.
Check in monthly. Even if it’s slow growth, that number tells you the real story.

Every dollar you save or invest is a gift to future-you.
And future-you? Oh, they are living. They’re relaxed. They have options. They don’t stress about bills.
Be good to them now, and they’ll thank you later.

Let’s clear something up.

Managing your money well doesn’t mean you stop enjoying your life or say no to every little treat.

It means you:

Make money. Keep money. Grow money.

That’s the trifecta. And you’re more than capable of mastering all three.

Some people are amazing at building income streams but struggle to hold on to anything.

Others are ultra-savvy savers who never take bold steps to increase their earnings.

You don’t have to choose one or the other.

You can be the kind of person who makes great money… and manages it like a boss.

And that’s the person who builds long-term wealth, freedom, and peace of mind.

That’s you.

Keep going. Keep building. You’re closer than you think.

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Why did the startup founder bring a ladder to the meeting?
To scale the business.

July 8, 1889:
The Wall Street Journal published its first issue.
It sold for 2 cents.
Today, it’s a go-to source for global financial insight, and one of the longest-running business publications in the world. 📰💰

At one point, Google offered a job to someone because of a math puzzle in a billboard ad.
In 2004, a cryptic math problem on a highway billboard led to a secret recruitment test — because sometimes, your best hires won’t come through LinkedIn.

Would you rather…

(Equity vs. control — where do you see value?)