June 28, 2025

Happy Saturday, everyone! 📆
Good morning! I hope your day starts slow, your phone stays quiet, and your breakfast involves exactly the right amount of syrup.

Here’s something you don’t hear every day: Want to know your future net worth? Don’t check your bank app—check your calendar.

Today we’re diving into why the way you spend your time says more about your wealth trajectory than almost anything else. Every “yes” or “no” you put on your schedule is a signal. A signal to your energy, your focus, your future. 🧭💰

Let’s talk about how to start using your calendar like the wealthy do—not just to stay busy, but to build something better.

— Ryan Rincon, Founder at The Wealth Wagon Inc.

— Seneca

Market Update: Markets kept the green glow going today, with the Nasdaq and S&P 500 both rising 0.52%, and the Dow Jones powering ahead with a solid 1.00% gain. Wall Street’s clearly still in its feel-good summer stretch. 😎📈

Bitcoin barely moved, up just 0.11%, but hey—green is green. Meanwhile, Amazon popped 2.85% and Nvidia climbed 1.76%, reminding us who the real MVPs are this season. 💪💻

But not everything sparkled—gold dropped 1.85%, silver slid 2.06%, and QuantumScape absolutely tanked, crashing 13.46% like it missed its morning charge. 🔋💥

In short: Tech soared, metals melted, and QuantumScape faceplanted. Markets never stay boring.

McKinsey Launches Global “Future of Work” Accelerator for SMEs
McKinsey just unveiled an accelerator program helping small- and medium-sized businesses integrate automation, hybrid models, and employee wellness initiatives . The aim? Make big-tech workplace tools accessible to Main Street. Innovation is getting community-minded.

Unilever Rolls Out Brand Spin-Off Plan to Streamline Portfolio
Unilever announced plans to spin off several non-core brands into a separate publicly listed company . It's a “less is more” play—letting mainstream brands get sharper focus. Expect clearer strategy and sharper marketing on both sides of the split.

3M Integrates Circular Design into 80% of New Product Lines
3M pledged that 80% of its upcoming products will feature easy-to-recycle materials or closed-loop packaging . That’s design thinking meeting sustainability. Your morning notebook might just be earth-friendly.

BlackRock Launches Thematic ESG Bond ETF with Climate Focus
BlackRock unveiled a new ETF that invests in green bonds tied to clean energy, water infrastructure, and climate resilience . For investors wanting green and yield, this one’s hitting both marks. It’s sustainable investing, now in easy ETF form.

UBS Earnings Surprise: Wealth Management Division Grows 9%
UBS reported a 9% increase in wealth management revenues—driven by Asia-Pacific client growth . That’s the power of global diversification—and the boom of individual investor demand in new markets.

Vanguard Expands Digital Advice Platform to Retiree Segment
Vanguard is now offering AI-assisted retirement planning to those nearing or in early retirement . Robo-advice isn’t just for millennials anymore—it’s maturing with your portfolio.

IKEA Opens Inspiration Hubs for Virtual Home Planning
IKEA launched new "Inspiration Hubs" in three cities where shoppers can digitally design rooms in 3D before buying . Think showroom meets gaming rig—planning spaces with a click. Retail meets interior imagination.

Sephora Launches AR-Based Shade Finder for Foundation
Sephora’s app now uses augmented reality to match skin tones with products live on your face . No more shade guesswork—beauty meets tech in your selfie. Perfect for cosmetic confidence.

McDonald’s Tests Voice Ordering via Google Assistant
McDonald’s is trialing drive-thru voice ordering powered by Google Assistant—aiming to improve order accuracy and pace . Your “Quarter Pounder” might soon come with voice-activated fries on the side.

IBM Debuts AutoML Tool to Help Non-Tech Teams Build Models
IBM launched a low-code AutoML platform that lets non-engineers build and deploy machine learning models in-house . Data teams, rejoice: no more code-black magic. AI democratization continues.

Adobe Adds AI-Powered “Context-Aware Remove” to Photoshop Beta
Adobe’s latest Photoshop beta includes a tool that intelligently removes unwanted objects while preserving background context . Designers can now wield near-magical edits in seconds. Pixel perfect just became easier.

IBM and Red Hat Unveil Cloud AI Kubernetes Integration
IBM and Red Hat announced AI model support directly in OpenShift—making hybrid cloud AI deployments smoother . Hybrid cloud just got smarter—with intelligence baked into the platform.

UN Assembly Passes Resolution Targeting Digital Tax Framework
UN countries voted to create standards for taxes on large digital companies—aiming to share revenues more evenly between big tech markets and smaller countries . Digital giants, brace your tax teams.

EU Approves New Tech Curbs on Chinese AI Surveillance Tools
The European Parliament passed stricter regulations banning imports of Chinese AI-driven surveillance systems for public use . It’s democracy deciding how to do AI—with checks, not just chips.

Canada-EU Conference Seals Green Hydrogen Trade Deal
Canada and the EU signed a landmark agreement to trade green hydrogen—expanding clean-energy corridors across the Atlantic . Energy diplomacy just got greener.

Okay, tell me if this sounds familiar:

You want to build wealth.
You’ve read the books. Listened to the podcasts. Followed the Twitter threads.
You even bookmarked that 47-tab Chrome window of side hustle ideas and investing strategies (which, let’s be honest, you’re probably never opening again).

But despite all that? Life is still feeling… kinda chaotic.

Here’s the problem:
Most people try to build wealth using random leftover time.

And if your calendar doesn’t reflect your financial goals — they’re just daydreams with a deadline.

Let’s fix that.

Sounds dramatic, I know. But stick with me.

The way you spend your time literally shapes:

And yet… most of us give our time away like it’s free candy at Halloween.

Meetings we didn’t need to take.
Calls we didn’t need to say yes to.
Tasks we didn’t need to do ourselves.

So let’s flip it. Let’s make your calendar work for your money.

You don’t need 20 hours a week to change your financial life.
Just give me 3 hours. Per week.

Here’s how to break it down:

This is your compound interest time — for your brain.

The goal? Don’t just consume. Learn with intent to apply.

This hour is sacred.

Use it to:

No busywork. Just stuff that has a chance to create actual dollars.

Every week, take one hour to look back and ask:

This is the part almost no one does — and it’s where the unfair advantage is.

Most people do. Few people review.
Reviewers evolve 10x faster.

Some weeks, that “3-hour plan” might turn into 90 minutes. Or 40. Or zero.

That’s fine.

The goal is not to become a robot. The goal is to:

Let’s say you stick to this plan for 6 months. That’s:

That’s 216 hours pointed directly at your future.

You could:

From just 3 hours a week.

Put it in your calendar. Literally. Block it out like a dentist appointment or a gym session.

Name it something cool if that helps:

Protect it like your future depends on it — because it kinda does.

Look — you don’t need a miracle or a million followers.

You need time, attention, and a repeatable plan.

Your calendar is your first investment account.
Start putting deposits into it that pay dividends later.

Start with 3 hours a week.
Make them count.
Watch everything change.

Why did the economist break up with the data analyst?
Because every time they disagreed, they just said, “It’s statistically insignificant.”

Clue:
Founded in 2006, this company lets people speak 280 characters at a time, was once symbolized by a bird, and played a major role in reshaping news, politics, and memes.

LEGO makes more tires than any car company in the world — around 700 million per year, just in miniature form.
Yes, the world’s largest tire manufacturer… is technically a toy company.

Would you rather…

(Legacy flash vs. longevity cash — which would you choose?)

*Answers at the bottom

Guess the company - Answer: Twitter (Now X, but let’s see who remembers the OG bird!)