June 21, 2025

Happy Saturday, everyone! ☀️
Good morning! I hope today brings you a slow start, a good stretch, and maybe a breakfast that involves zero dishes.

Here’s a little brain snack: What if your money could do double duty—freeing up your time now and setting you up for more wealth down the road?

That’s what today’s all about: Money Multipliers. These are the tools, habits, and tiny decisions that help you buy back your time today and build wealth that pays you tomorrow. 🕒➡️💰

It’s less about working harder and more about working smarter—so you can spend more of your life actually living it.

Let’s dive in and find out how to make your money a little more magical.

“He who is not a good servant will not be a good master.”
— Plato

(A timeless reminder that leadership starts with humility.)

Success is rarely about having the best idea.
It’s about having the courage to test it, the discipline to refine it, and the grit to keep going when nobody’s watching.

— Ryan Rincon, Founder at The Wealth Wagon Inc.

Market Update: The markets returned from their Juneteenth break… and clearly woke up on the wrong side of the bed.

The Nasdaq dropped 0.51%, the S&P 500 slipped 0.22%, and even tech giants like Amazon (-1.33%), Meta (-1.93%), and Microsoft (-0.59%) joined the red parade. Only the Dow Jones managed a barely-there grin, up 0.083%—thanks, probably, to some industrial optimism.

Bitcoin sank 1.30%, keeping its rollercoaster streak alive, while gold dipped 0.70% and silver slid 2.61%, clearly not feeling precious today.

All in all, it was one of those "grab your coffee and just get through it" kind of days on Wall Street. ☕📉 Hang tight—Monday is another trading opportunity!

Starbucks Plans to Open 1,000 More Cafés in China by 2026
Despite a slowdown in global store growth, Starbucks is doubling down on its expansion in China—adding 1,000 new locations in tier-1 and tier-2 cities. That could mean more personalized beverages and mobile-only exclusives. Looks like “Where everyone knows your name” just got more crowded.

Meta Now Operates 6 Internally Run AI Studios to Innovate Features
Meta is experimenting behind the scenes with six “innovation studios,” each focusing on AI-driven products—from personalized video recommendations to in-photo object recognition. It’s part of their strategy to ignite internal creativity without public announcements. Basically, they’re incubating ideas in secret.

Disney Adds an Extra Layer to Park Passes: Genie+ Price Jumps
Disney quietly raised Genie+ service prices by 15% across U.S. parks—still far cheaper than skipping the line entirely. They’re betting families will pay to dodge waits during summer vacations. Either that or switch to animatronic parks for the same crowds.

Spotify Quietly Launched a Test App That Reads Audiobooks Aloud
Spotify’s new “ReadAloud” beta is being tested with select users, narrating blog posts, news articles, and snippets of books in a soothing voice. It’s like having a personalized audio newspaper—great for walking your dog or waiting in the carpool lane.

Microsoft Just Filed a Patent for 3D Holographic Windows
Yes, you read that right—Microsoft is exploring tech to project usable holograms from ordinary buildings, including windows that display interactive city info or ads. Imagine walking past a storefront where the window texts you the weather. Sci-fi vibes incoming!

Snapchat’s AI-Powered Captions Translate in Real Time
Snapchat is beta-testing live translation of captions during conversations—capturing your screen, converting the text, and letting you keep chatting across languages. Travel banter, here we come—no more awkward pause-for-translation moments.

Costco’s Monthly Membership Value? Still Under $2 a Day
With over 125 million active members paying $60–$120/year, Costco now averages under $2/day per member. That’s cafeterias priced for bulk shoppers and My Pit Boss grill deals so cheap they’re legendary. Inflation who?

Home Depot Reports a 22% Surge in Power Tool Rentals
Americans are apparently discovering their inner carpenter: power-tool rental business at Home Depot is up 22% this year. Expect more DIY weekend warriors—and less room for chip pan disasters in kitchens.

Lululemon Just Opened a “Wellness Cafe” in Seattle
Lululemon’s latest concept space in Seattle works as a cafe-meets-retail experience, offering kombucha on tap next to yoga gear. They’re turning mindful-branding into actual mindful lounging—buy the gear, sip the brew, zen is sold separately.

Schneider Electric Partners to Build AI Chips With Lower Energy Footprint
Schneider EQ teamed up with a chip-manufacturing startup to build AI-friendly silicon that uses 45% less energy at scale. The mission: make AI training more sustainable as demand explodes. Good news if your data center’s carbon bill keeps you tossing and turning.

Tesla Unveils Solar Roadside Charging Carport Pilot
Tesla just launched a pilot in Nevada where highway charging stations double as solar-powered carports. Think EV chargers topped with solar panels—not just shade, but juice. The goal? Dodge grid constraints and go green while you charge.

NextEra Energy Now Offers Virtual Solar Plant Rentals
NextEra launched a subscription for homeowners to basically ‘rent’ solar output without installing panels—customers get monthly credit, based on a nearby plant’s generation. Solar + no roof stress = monthly credit for sunshine. Solved.

Robinhood Adds Fractional Shares of Top 10 Cryptos
Robinhood now lets users buy fractional shares of top ten cryptos—worth as little as $1 per position. So if you want a tiny piece of Bitcoin, Ethereum, Cardano, or Dogecoin, now’s your chance. Crypto for coffee money? It’s official.

Visa Enables 500 Banks to Offer Instant Crypto Settlements
Thanks to Visa’s new banking rails, over 500 financial institutions can now settle crypto transactions instantly between fiat and token wallets. No more 10-minute chain confirmations—your grandma’s bank might soon settle your Bitcoin gift in minutes.

BlackRock’s ETF Now Letting Investors Deposit Crypto as Collateral
BlackRock launched a pilot allowing accredited investors to use BTC or ETH as collateral when buying into its digital asset ETF. Crypto-backed, traditional-asset… finite hedge fund armor? Meta-assets for meta-wealth control.

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Okay, real talk…

You ever feel like no matter how much you learn about money — investing, saving, business, all of it — you’re still kinda stuck in the same spot?

Like you're working hard, doing all the things, but your progress is slooooow?

Here’s something nobody tells you early on:

At a certain point, making more money isn’t the goal. Multiplying it is.

And no — I don’t mean “go find a magic crypto that 10x’s overnight.” (lol, remember that phase?)

I’m talking about money multipliers — tiny, simple ways to buy back your time now and buy forward wealth later.

Let’s get into it. 👇

Glad you asked, friend.

A money multiplier is anything that:

In other words — it’s smart use of your cash.

Even if you’re not rolling in it (yet), using what you do have wisely makes a massive difference.

You don’t need millions. You just need a few small plays that compound over time.

Here are some faves:

Let’s say you make $100K/year. That’s roughly $50/hour. Why are you spending 6 hours on admin tasks that drain you?

Instead, try:

💡 You’re not lazy — you’re buying bandwidth.

Every time you have to “remember to invest” or “move money to savings” — you’ve already lost the game.

Instead:

Set it. Forget it. Watch it grow while you do literally anything else.

This is for my business owners, side hustlers, or even freelancers out there.

Examples:

Sometimes, a few hundred dollars is all it takes to unlock a new income stream.

(And hey — worst case? You learned something. Best case? You just created an asset.)

Let’s say you want to start freelancing, consulting, or building a business. You could grind YouTube for 6 months…

OR — buy a $97 course from someone who’s already done it.

The trick is: vet who you’re learning from. But when it’s good? That $97 could save you 97 headaches.

Time > Money. Especially when you’re just starting.

Here’s a mindset flip:

Don’t just make money once. Make money again and again from one effort.

How?

Build it once. Sell it forever. That’s a money multiplier in motion.

This one’s for later-stage builders — but don’t sleep on it.

Sometimes the best ROI isn’t a stock, it’s a person you meet.

Examples:

It feels “extra” at first — but one right conversation can unlock years of progress.

Sometimes a $30 whiteboard, a better desk chair, or a cleaner workspace leads to better thinking.

Or maybe it’s moving closer to a gym. Or getting groceries delivered so you have energy to work on that side hustle.

Not every multiplier has to look like a spreadsheet.

Some just help your brain work better.

That’s your litmus test.

If the answer is yes — it’s probably a money multiplier.

If it only solves a short-term craving or gives you that "dopamine hit but no return" feeling (hello, late-night Amazon buys) — probably not a multiplier.

If you want to stop feeling stuck at “busy but not growing,” start using your money like a tool — not just a reward.

Because the people who build real wealth?

They don’t always make more.
They just multiply better.

You’re closer than you think. And I’m right here with you.

Let’s keep stacking. One smart move at a time. 🙌

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Why did the marketer break up with the product manager?
Because every time they made plans, the roadmap pivoted.

I’m small in size but huge in impact.
I exist in products, portfolios, and promises.
Ignore me, and your business might fall apart.
What am I?

Would you rather…

(Accuracy vs. compounding — both are power moves.)

A SaaS company has 500 users paying $25/month.
They increase the price by 20%, and 10% of users churn as a result.
What’s their new monthly revenue?

*Answers at the bottom

Riddle - Answer: The fine print

Brain Teaser - Answer: