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June 25, 2025

Welcome Back,

Happy Wednesday, everyone! 🧭
Good morning! You’re halfway through the week—so whether you’re cruising or crawling, you’re doing just fine.

Let’s start today with a question that might change everything: How much money do you need to feel free?

Not rich. Not retired. Just… free. To take a break, say no, breathe easier.

That’s what we’re talking about today—your First Freedom Number. It’s not some vague “someday” goal. It’s a real, reachable number that brings focus to your hustle and clarity to your plan. 💡💵

Let’s stop guessing and start building with purpose. Freedom doesn’t start at “millions”—it starts with a number that means something to you.

“Luck is what happens when preparation meets opportunity.”
Seneca, Roman philosopher and statesman

In business and life, the biggest returns often come not from what you do,
but from what you stop doing.
Elimination is just as powerful as execution.

Ryan Rincon, Founder at The Wealth Wagon Inc.

Market Update

*Market data represents the most recent market close at 5:00pm ET

Market Update: Markets showed up today like they had something to prove—and prove it they did!

The Nasdaq jumped 1.43%, the S&P 500 rose 1.11%, and the Dow Jones added 1.19%, making it a full-blown party on Wall Street. 🎉 Meanwhile, Bitcoin cruised up 0.59%, keeping the crypto crew in the green too.

Gold and silver made polite moves upward, while Adobe and Disney joined the winners’ circle with solid gains. But the real drama? Tesla, sliding 2.35%—maybe it forgot its charging cable today 🔋.

All in all, it was a green kind of day... unless you're driving a red Tesla. 📈🟢🚗

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Business

Ford's CFO Signals Profit Margins Return in EV Lineup
Ford’s CFO said the company is now expecting sustainable profits across its electric fleet by mid-2026 . That’s music to investors’ ears—EV dream turning into EV dollars.

Global CEO Survey: 67% Prioritize ESG Goals Over Cost Cuts
A recent survey shows two-thirds of CEOs are shifting focus from cost-cutting to ESG objectives, with a fifth saying sustainability is now a growth driver . That's quite the pivot—expect more green initiatives and purpose-driven strategies hitting board agendas.

Starbucks Sees 12% Uptick in Mobile Orders as App Features Improve
New feature rollouts in the Starbucks app—like custom drink suggestions—have led to a 12% increase in mobile orders in just six weeks . Loyalty wins again thanks to better UX and a little AI juice.

Economy

U.S. Job Openings Hit 9.5M—Still Way Above Pre-Pandemic Levels
Recent JOLTS data shows nearly 9.5 million U.S. job openings—2 million more than February 2020 . The talent gap is real, giving leverage to job seekers and headaches to recruiters.

Germany’s Industrial Orders Gain 3% in May—European Rebound Signs
German industrial orders rose 3% in May, fueled by auto and machinery demand . If leading EU economies are perking up, it could hint at broader regional revival.

Inflation Swaps Point to Possible U.S. Rate Cut in Late 2026
Market-based inflation swaps now anticipate the Fed trimming rates in Q4 2026, sooner than official guidance . Savvy investors may need to rethink duration and yield-curve strategies with this in mind.

Tech

TikTok Launches TikTok AI—Q&A Bot in App Search Bar
TikTok just released an in-app AI Q&A assistant for content creators—answering questions fast based on trending videos and hashtag analysis . Creators can optimize content and strategy without ever leaving the app.

Salesforce Debuts Einstein Copilot for Customer Engagement
Salesforce launched Einstein Copilot, an AI assistant that drafts emails, reports, and customer outreach—augmented within Salesforce CRM . It’s AI writing your next big pitch while you pour the coffee.

Apple Incorporates Advanced AI Image Editing in iOS 18 Beta
iOS 18 beta just rolled out AI-powered image editing tools—heal bad skin, remove shadows, and smart-crop in a tap . Creative teams get a power-up without Photoshop—elegant simplicity meets real‑world workflow.

Real Estate Investing

Airbnb Opens Broker Platform for Premium Long-Term Rentals
Airbnb launched a new broker service aimed at securing 6-to-12-month premium rentals for business travelers and remote workers . Long stays just got more pro—and maybe more profitable.

REITs Buy-In After Yields Peak: 5% Occupancy Gains in Q2
Top office and industrial REITs reported a combined 5% increase in occupancy this quarter as businesses renewed leases post-pandemic . It may signal confidence returning to commercial real estate markets.

Toronto’s New Co-Working Spaces Demand 20% Higher Rent
Toronto’s top co-working operators hiked rents by 20% year-over-year as flexible office demand stabilizes . It’s the #backtowork rebound—spatial arbitrage for businesses ready to build team culture.

Marketing

Google Ad Exec Shares That AI-Powered Ads Are “Game-Changing”
Vidhya Srinivasan, who oversees Google’s $67B ad business, said AI is “changing the game” in Cannes—optimizing campaigns and boosting creativity. Marketers, buckle up: the bar for personalization just got insanely high.

Meta’s AI Ads to Run Fully Automated Campaigns by 2026
Meta confirmed plans to auto-run ad campaigns in-feed and in-app by next year—think letting an AI handle targeting, bidding, and creative combo testing. Marketers: your campaigns are about to become “just press go.”

70% of Brands Report a 200% ROI From AI Personalization
A recent study highlights that 70% of companies using AI-powered personalization are seeing 200%+ ROI—making it the must-have tool for engagement and conversion. Ready to stop spamming and start customizing?

Today’s Snapshot

“Your First Freedom Number”: How to Stop Hustling Blind and Start Building with Clarity

Let’s play a quick game.

If I asked you, “How much money would you need to feel free?”

What would you say?

  • A million bucks?

  • Ten million?

  • Enough to “never work again”?

Totally fair answers. But here’s the thing most people miss:

You don’t need to be a millionaire to feel free.
You just need to know your number.

Specifically: your first freedom number.

Let’s break it down — in plain language, zero jargon, and a whole lot of “ahh, that makes sense now.”

🎯 What Is a “Freedom Number,” Anyway?

A freedom number is the amount of monthly income or savings that lets you stop making decisions from a place of panic — and start making them from a place of power.

That’s it.

It’s not about yachts or Lambos.
It’s about breathing room. Choices. Options.

🧮 Quick Formula: How to Calculate Yours

Take a second and think:

  • What are your basic monthly expenses?

  • Now add some buffer for fun, health, and a little life-proofing.

Let’s say that’s $3,500/month.

Now multiply that by 6 months.

Your first freedom number = $21,000.

Boom. That’s your “I can quit this job if I have to” fund.
Or your “I can take a few months to launch something new” fund.

It’s the money that lets you pivot without panic.

🧱 Why This Number Is SO Much Better Than Just “Get Rich”

Here’s why this little number is a total game-changer:

  • It’s achievable. Like, within a year or less for most people.

  • It gives you focus — you’re not just “trying to make more,” you’re aiming at something.

  • It unlocks mental clarity — because you’re not stuck in survival mode.

  • It forces smart habits: budgeting, saving, investing, and actually tracking stuff.

Once you hit it, something in your brain flips from “how will I survive?” to “what do I want to build?”

And that’s where real wealth starts.

💸 How to Start Building Toward It (Even If You’re Starting Small)

You don’t need a giant windfall or viral product to hit your first number. You just need momentum.

Here’s a simple game plan that works no matter where you’re starting from:

1. Cut the Noise (Not Your Joy)

We’re not doing monk-mode minimalism here.

But ask yourself:

  • What am I paying for that I don’t actually use?

  • What can I pause for 6 months to stack cash faster?

Then redirect that money into your freedom fund.

Even saving $300/month = $3,600/year. That’s a huge chunk.

2. Make $1K on the Side (Repeat x 6)

This is where the fun begins.

You don’t need a business. You just need a useful skill and a few people who need it.

  • Freelance writing or editing

  • Resume revamps

  • Personal finance coaching

  • Social media help

  • Selling templates or guides

Do it once. Prove it works. Then do it again. That’s six months of expenses funded right there.

3. Invest Along the Way

Even if you’re laser-focused on saving, don’t ignore the power of putting your money to work.

Start small:

  • $100/month into an index fund

  • High-yield savings for your buffer

  • Auto-transfers into investment accounts

Let compounding be your quiet business partner while you build everything else.

4. Keep Track Like a Grown-Up (But Make It Fun)

Grab a simple spreadsheet or Notion page.
Write at the top: “Freedom Fund: $0 / $21,000” (or whatever your number is)

Update it weekly. Celebrate progress. Make it a little game.

What gets tracked, gets stacked.

🧠 Bonus Mindset Shift: Make Your Money Buy You Time, Not Just Stuff

Here’s the magic mindset:

Don’t just use money to escape your current life.
Use it to build your next one.

Your freedom number isn’t the finish line. It’s the launchpad.

Once you hit it, you can:

  • Take a sabbatical

  • Start that business

  • Learn a new high-ROI skill

  • Leave a toxic job

  • Say “no” to stuff that drains you

And all of that? WAY more valuable than another pair of sneakers or a fancier car payment.

✌️ Final Thought: Freedom Comes in Phases — Build Your First One Now

You don’t need to have it all figured out.
You just need a target, a plan, and the willingness to move.

Forget the hustle-for-hustle’s-sake mindset.
Forget trying to impress people who aren’t even watching.

Start building toward your version of freedom. Quietly. Confidently. On your own terms.

The first number is the hardest.
But once you hit it?

You’ll never look at money — or time — the same way again.

Invest in recession-resilient Mobile Home Parks with Vintage Capital. Invest direct or in a fund of 20+ underlying assets. 1031s are also available. Access stable, income-generating properties with consistent demand and low tenant turnover.

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Why Mobile Home Parks?

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  • High Tenant Retention: The average MHP tenant stays 10-12 years (compared to 2-3 in Multifamily)

  • Proven Expertise: $100MM+ track record in mobile home park investments.

  • Tax-Smart Investing: Bonus depreciation offers tax advantages.

The Startup Marketplace

Marketplace | Electronics

Business Location: OH, United States

Site Age: 1 year

Monthly Profit: USD $7,176 /mo

Profit Margin: 39%

Profit Multiple: 0.1x

Price: $7,999.00

Includes USD $10,000 of inventory

Founded in 2024, MoxoAI is a cutting-edge electronics marketplace that connects global buyers and sellers through AI-driven personalization, secure transactions, and strategic monetization models—including transaction fees, premium subscriptions, advertising, and logistics partnerships. With a strong focus on user experience, technological innovation, and financial sustainability, MoxoAI has quickly established itself as a leader in the competitive electronics market.

YouTube Channel | Entertainment

Business Location: Netherlands

Site Age: 1 year

Monthly Profit: USD $9,267 /mo

Profit Margin: 94%

Profit Multiple: 0.9x

Revenue Multiple: 0.8x

Active Followers / Subscribers: 26,692

Total Posts: 172

Months Monetised: 6-12 months

Price: $100,000.00

This listing features a profitable, fully automated YouTube channel generating consistent monthly revenue with just 20 minutes of daily oversight, ideal for passive income seekers. With organic U.S.-based growth, a reliable editor in place, and minimal operational demands, it offers strong potential for buyers with an approved AdSense account.

*Contact for more info on company*

Fun Stuff

😂 Funny Joke

Why did the accountant get promoted?
Because they knew how to balance relationships and spreadsheets.

🧩 Riddle

I’m silent when I work, loud when I’m broken.
You can’t see me, but I affect every conversation, sale, and brand.
Neglect me, and your company may crumble.
What am I?

🏢 Guess the Company

Clue:
Started as a digital payment tool on eBay, this company spun off and became a major player in online transactions, peer-to-peer payments, and now crypto too.

🧠 Brain Teaser

You invest in a business with $100,000 capital.
It returns 25% annually, compounded yearly.
How many years until your investment doubles.

Your money will double in just under 3 years at 25% annual compounding.

*Answers at the bottom

Answers

Riddle - Answer: Communication

Guess the Company - Answer: PayPal

Brain Teaser - Answer:
Use the Rule of 72:
72 ÷ 25 = ~2.88 years

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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