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June 22, 2025

Welcome Back,

Happy Sunday, everyone! 😌
Good morning! I hope today brings you soft clothes, a slow pace, and a few peaceful minutes to just be (bonus points if there’s a snack involved).

Let’s talk about something surprisingly underrated: boring money.

Yep, while flashy stocks, crypto chaos, and TikTok side hustles get all the attention, wealthy people quietly love the “unsexy” stuff—steady returns, automatic savings, low-drama investments. Why? Because boring builds. Slowly. Surely. And repeatably. 🧱💵

Today we’re exploring why simple doesn’t mean small—and why “set it and forget it” might just be the most attractive money move of all.

Let’s get into the beauty of boring—and how it just might be your secret weapon.

“The secret of change is to focus all your energy not on fighting the old, but on building the new.”
Socrates

Most people spend their lives chasing opportunity.
But what if the real advantage is learning to create it?
Your network, habits, and curiosity are your venture capital.

Ryan Rincon, Founder at The Wealth Wagon Inc.

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Urban

Chicago’s Transportation Chief to Resign Ahead of Major NASCAR Event
Chicago Mayor announced that the transportation commissioner plans to step down on July 3—right before the city hosts its first-ever NASCAR street race. Urban mobility meets revved-up entertainment, raising questions about who’ll guide traffic during race week. Sounds like a presidential pit stop for transit leadership.

San Francisco Muni Routes Tweak Their Directions Starting Today
Starting June 21, SF’s Muni will reverse directions on Lines 5, 9, and 31 along Market Street, while combining Lines 6 and 21 into a new 6 Hayes/Parnassus route. Regular riders may need to glance down at their route apps before boarding. A small change with big impact—fresh mapping advice for daily commuters.

California Earmarks $73 Million for Marin-Vallejo Highway Upgrade
A 21-mile corridor connecting Marin to Vallejo just got a $73M grant under California’s infrastructure push. That’s commuting comfort—and a boost for regional logistics. Expect fewer potholes and happier drivers (or at least fewer bumper rants).

Environment

Robotic Beehives and AI Bots Tend California’s Almond Crops
After 150 stagnant years, beekeeping gets high-tech protection as robotic hives equipped with AI sensors monitor colony health and environmental conditions. Technology meets agriculture to safeguard pollinators—and profits. Bee-lieve it, drones are now hive sidekicks.

Rocky Ford Grant Snag Shows Environmental Tech Doesn’t Come Easy
A community in rural Colorado was denied an environmental justice grant after political interference wiped out funding—underscoring how fragile grant-dependent AgTech initiatives can be. It’s a reminder that good intentions need stable backing. Rural innovators, stay hopeful but hedge your bets.

This Week in Agribusiness Highlights Grain Bin Tech and Farm Policy
The latest Ag business roundup delves into cutting-edge grain-bin monitoring tools and how new EPA policies under Trump are shaping cattle markets. High-tech meets high-stakes in the field. Farmers are balancing drones, pipelines, and politics all in one crop cycle.

Energy

Gold and Silver Prices Slip as Investors Shift Gears
Gold and silver futures ticked down today, signaling a pivot away from precious metals amid stronger risk appetite . While not dramatic, it’s a sign traders are chasing volatility elsewhere. Maybe check your metals ETF before it feels like dragging lead.

Global Commodities Rally: Oil Up 2.1%, Metals Catching Steam
Mid-year bullishness hit commodities as Brent crude climbed 2.1% and U.S. oil futures rose 1.45%. Investors are chasing hard assets as growth picks up. That energy-fueled buzz might heat up your portfolio.

Nepal Announces Major Methane Gas Discovery to Fuel Local Industry
Nepal’s prime minister welcomed news of a sizable methane gas find—promising cheaper domestic energy and boost to local economies. It's the fossil-fuel equivalent of striking gold underground. Cue celebration (and environmentalists).

Real Estate

Lake Minnetonka Mansions Are the New Gold Coast for Buyers
With rents soaring elsewhere, affluent buyers are camping out on Lake Minnetonka’s shores—paying top dollar for weekend estates. Waterfront feels are in, urban stress is out. Lakeside glamour? Check.

U.S. Housing Prices Push To New High—Median Now $396.5K
Redfin reports U.S. home prices have ascended to a median $396,500, with sellers commanding peak prices last week. With mortgage rates still elevated, that’s serious equity for homeowners. Buyers, brace for sticker shock.

Rising Rents in NYC After Broker-Fee Ban—Up 15% In A Week
Post-Fare Act rents in NYC shot up a jaw-dropping 15%—jumping from $4,750 to $5,500 on average. Seems cost shifts are moving, even when fees vanish. New York rental drama: still headline-worthy.

National

L.A. Dodger Donates $1M to Immigrant Legal Fund Amid Raid Fallout
After ICE swept through L.A. in recent raids, the Dodgers announced a $1M donation to legal services for affected immigrants. It's a dose of civic support from a sports giant—community meets corporate values. Baseballs and benefits.

Federal Judge Bars States From Withholding Feds’ Transit Funds Over Immigration Laws
A judge ruled the federal government can't cut off funding to states resisting federal immigration enforcement. It’s transit dollars vs. state policy in an interstate showdown. Riders everywhere should ride a sigh of relief.

Canada Pledges $5.1M to Indigenous-Led Climate Projects Abroad
On Indigenous Peoples Day, Canada announced $5.1M in climate resilience funding to support community-led projects in South America, Africa, and the Indo-Pacific. Deep global roots meet clean energy ambition. Diplomacy with a climate conscience.

 Want to know when to consider trading stocks like Apple and Walmart? These Stock Hotsheets use 10 years of historical data to uncover key dates and trends—helping you trade with confidence

Today’s Snapshot

“Boring Money” Is Sexy: Why Wealthy People Love the Least Exciting Stuff

Let’s start with a quick confession:

I used to think “making money” meant doing something flashy.
Crypto. Dropshipping. Options trading. Building an empire from my laptop on a beach in Bali. 🌴

But now?
I’ve seen behind the curtain.

The secret to real, consistent, low-stress wealth?

Boring money.

Yeah. The unsexy, predictable stuff that doesn’t trend on TikTok.
And I’m telling you — once you get it, your whole mindset shifts.

So let’s unpack why boring money is the new flex… and how you can use it to build wealth without constantly feeling like you’re sprinting uphill in flip-flops.

🧠 What’s “Boring Money,” Exactly?

It’s simple.

“Boring money” is money that:

  • Shows up consistently

  • Doesn’t require drama

  • Works quietly in the background

  • Doesn’t keep you up at night wondering if you made the wrong move

It might not impress your group chat, but it’ll impress your future net worth.

👇 Let Me Show You What It Looks Like

Not Boring Money:

  • Gambling on meme stocks

  • YOLOing into a business with no plan

  • Chasing every new shiny hustle on YouTube

  • Hoping your NFT bounces back someday 😬

Totally Boring (but Beautiful) Money:

  • A simple portfolio of index funds that grows every month

  • A low-maintenance online product that sells on autopilot

  • A rental property that pays you while you sleep

  • A well-priced service that your clients LOVE and refer

See the difference?

One creates adrenaline.
The other creates actual wealth.

💸 Why Boring Works So Dang Well

Here’s the deal:

Boring money is consistent.
And consistency is how you win in the long game of money.

It’s how:

  • Investors retire with millions from a basic ETF

  • Freelancers turn into business owners

  • Business owners become investors

  • People like you stop trading time for every single dollar

You don’t need viral.
You need repeatable.

🧰 5 “Boring” Things That Make You Wealthy (If You Actually Do Them)

Let’s get into some practical moves. These are all things you can start this week — even today.

1. Set up an automatic investment plan

Pick a solid index fund (S&P 500, Total Market, etc.) and have even $100/month auto-invested.

You don’t need to watch the market. You just need to stay in it.

2. Create a productized service

Got a skill? Package it.
Instead of charging hourly, turn it into a flat-rate offer.

Examples:

  • $297 website audit

  • $500 LinkedIn profile revamp

  • $250 for 5 branded templates

It’s repeatable. It’s scalable. It’s surprisingly chill once you get rolling.

3. Build a “sleep fund”

This is different from an emergency fund.

A “sleep fund” = 3–6 months of expenses sitting in a high-yield savings account so you can sleep well at night and say "no" to desperation.

Seriously. Peace of mind is a money-making tool.

4. Sell one digital product

Write a short guide. Record a tiny course. Sell a template.

Launch it for $27. You’ll learn more than any $2K course will teach you.

Boring? Maybe.
But that $27 can turn into $270… then $2,700… and it keeps going.

5. Be “professionally boring” online

You don’t need to go viral. You just need to:

  • Share what you’re learning

  • Talk about what you’re building

  • Help people who follow you

Over time? You build trust.
Trust builds income.

Yes, even with 237 followers. (Seriously.)

🎯 Bonus: What Happens When You Embrace Boring Money

This part is weirdly awesome.

You stop panicking about:

  • Missing the next big thing

  • Getting rich overnight

  • What your friends think about your “little business”

And you start:

  • Sleeping better

  • Making smarter decisions

  • Actually enjoying the game

Wealth isn’t loud. It’s steady. Quiet. Focused.

It’s showing up, doing the work, and letting time do the rest.

🧠 Final Thought: Predictable Beats Impressive

So if you’re sitting there wondering whether you need a crazy idea or a wild leap to get ahead financially…

You don’t.

You just need to start stacking boring money.

  • $100 invested this month

  • One product listed

  • One repeatable skill sold

  • One system that saves time

  • One account that builds interest

None of it’s sexy.
All of it works.

Keep stacking. Your future self is gonna love you for it. 💰

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Fun Stuff

🧩 Riddle

I show up in pitches, but not in balance sheets.
I’m the fuel for founders and the risk for investors.
You can't measure me — but I decide everything.
What am I?

🏢 Guess the Company

Clue:
Founded in a Harvard dorm room, this social platform once required a “.edu” email address to join.
Now it’s part of a rebranded tech empire focused on the metaverse.

🌀 Wild & Wacky

In 2015, Pizza Hut delivered a pizza to the top of Mount Kilimanjaro.
It set the world record for the highest altitude pizza delivery ever.
Why? PR stunt.
Lesson: If you’re going to go big, make it weird enough to go viral.

🧠 Brain Teaser

You invest $5,000 in a fund that returns 15% annually, compounded yearly.
How much will it be worth after 6 years?

*Answers at the bottom

Answers

Riddle - Answer: Vision

Guess the company - Answer: Facebook (now Meta Platforms Inc.)

Brain Teaser - Answer: $5,000 × (1.15)^6 ≈ $11,350.96

That’s All For Today

I hope you enjoyed today’s issue of The Wealth Wagon. If you have any questions regarding today’s issue or future issues feel free to reply to this email and we will get back to you as soon as possible. Come back tomorrow for another market update, and snapshot. I hope to see you. 🤙

— Ryan Rincon, CEO and Founder at The Wealth Wagon Inc.

Disclaimer: This newsletter is for informational and educational purposes only and reflects the opinions of its editors and contributors. The content provided, including but not limited to real estate tips, stock market insights, business marketing strategies, and startup advice, is shared for general guidance and does not constitute financial, investment, real estate, legal, or business advice. We do not guarantee the accuracy, completeness, or reliability of any information provided. Past performance is not indicative of future results. All investment, real estate, and business decisions involve inherent risks, and readers are encouraged to perform their own due diligence and consult with qualified professionals before taking any action. This newsletter does not establish a fiduciary, advisory, or professional relationship between the publishers and readers.

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