November 12, 2025

Happy Wednesday, everyone! 🌤️

Good morning! I hope your coffee’s hot, your mind’s sharp, and your day’s already off to a winning start. Wednesdays have this cool energy — you’ve got enough of the week behind you to feel accomplished, and enough ahead to make something great happen.

Here’s a thought to kick things off: making money is one thing… but keeping it working for you? That’s the real art. 💡 Most people focus on earning more, but the wealth builders of the world focus on transforming that income — turning short-term effort into long-term freedom.

That’s exactly what today’s post dives into: How to Turn Active Income Into Passive Wealth. 💰 Because every paycheck, every side hustle, every small win can be a seed — if you plant it right.

— Ryan Rincon, Founder at The Wealth Wagon Inc.

— Winston Churchill

Market Update:

Mark Spitznagel, who made $1B in a single day during the 2015 flash crash, warns markets are mimicking 1929. Yeah, just another oracle spouting gloom and doom, right?

Vanguard and Goldman Sachs forecast just 5% and 3% annual S&P returns respectively for the next decade (2024-2034).

Bonds? Not much better.

Enough warning signals—what’s something investors can actually do to diversify this week?

Almost no one knows this, but postwar and contemporary art appreciated 11.2% annually with near-zero correlation to equities from 1995–2024, according to Masterworks Data.

And sure… billionaires like Bezos and Gates can make headlines at auction, but what about the rest of us?

Masterworks makes it possible to invest in legendary artworks by Banksy, Basquiat, Picasso, and more – without spending millions.

23 exits. Net annualized returns like 17.6%, 17.8%, and 21.5%. $1.2 billion invested.

Shares in new offerings can sell quickly but…

👉 [My subscribers skip the waitlist].*

_{*Past performance is not indicative of future returns. Important Reg A disclosures: masterworks.com/cd.}

U.S. companies shed jobs in late October, according to the latest ADP employment data, signaling a potential slowdown in hiring momentum. Economists say the figures reflect growing caution among employers amid ongoing economic uncertainty. The decline raises concerns about how long the labor market can stay resilient under high interest rates.

Economic forecasts for the final quarter of the year have turned “cloudy” after the government lost key October data during the shutdown. Analysts say the gap leaves policymakers flying blind as they assess inflation and growth trends. Officials are warning that delayed reports could complicate decisions on future rate adjustments.

Retail experts warn that Black Friday deals may be thinner than usual this year, as tariffs continue to drive up import costs. Several major retailers have already signaled smaller discounts and limited inventory. Consumers are being advised to shop early to avoid shortages and rising prices during the holiday rush.

Gold prices are climbing again as investors position for potential economic weakness and a softer dollar. Technical analysts note that XAU/USD is retesting a key resistance zone, with bulls gaining momentum after recent corrections. The rebound underscores renewed demand for safe-haven assets amid global volatility.

Expanded Obamacare credits have helped thousands of Floridians gain access to affordable health insurance, reshaping the state’s coverage landscape. However, many are now facing uncertainty as temporary pandemic-era subsidies begin to phase out. Policy analysts say state-level reforms could determine whether these gains remain sustainable in 2026.

Utah residents are bracing for higher healthcare costs as key federal tax credits expire at year’s end. Many middle-income families who benefited from premium assistance are expected to see steep rate hikes. Experts say the change could strain household budgets unless Congress approves new relief measures.

Astronomers have detected the first-ever “radio signal” from interstellar comet 3I/ATLAS — though researchers confirmed it wasn’t caused by extraterrestrial activity. The signal was produced by natural magnetic interactions as the comet passed through the solar wind. Scientists say the findings could deepen understanding of how interstellar objects behave in our solar system.

Researchers have uncovered what may be a universal law that governs how life grows and spreads, regardless of environment or species. The discovery could reshape how scientists model evolution and predict biological limits in extreme ecosystems. Early results suggest that life forms across Earth — and possibly beyond — follow similar energetic constraints.

Blue Origin’s highly anticipated Mars mission was postponed due to a “cumulus cloud rule” violation during launch preparations. The delay occurred as dense clouds formed near the pad, violating NASA’s strict weather safety protocols. Engineers are now targeting a new window later this week for a potential liftoff.

Let’s talk about something every ambitious person eventually runs into — the income trap.

You work hard, make more money, get the raise, land the clients... and yet somehow, you’re still on the treadmill.
You’re earning more, but you’re not really freer.

That’s because most people never make the crucial shift from active income (trading time for money) to passive wealth (money that keeps working when you don’t).

If you can make this shift, even partially, everything changes.
Your stress drops, your flexibility increases, and your money starts doing the heavy lifting for you.

So, let’s talk about how to actually make that transition — step by step.

Active income is what most people live on — salaries, hourly wages, commissions, or freelance work.
There’s nothing wrong with it. In fact, it’s how everyone starts.

But here’s the catch: active income has a ceiling — time.

You can only work so many hours, charge so much per hour, or close so many deals.
If you stop working, your income stops too.

Passive wealth, on the other hand, comes from assets that continue generating cash flow long after you’ve done the work:

That’s the shift — from labor-based to asset-based income.

If you’re currently earning active income — perfect.
That’s your launchpad.

But instead of letting lifestyle creep swallow your raises and bonuses, treat extra income as investment fuel.

A simple mindset shift:

That means instead of upgrading your car, you upgrade your financial engine — by redirecting those dollars toward assets.

Here’s a simple breakdown:

This structure keeps your money working for you, not just through you.

Now let’s talk about what kinds of assets actually move the needle.

You don’t need to own a skyscraper or invent the next Tesla.
You just need to build or buy things that produce cash flow or appreciation over time.

Here are the most accessible types of wealth-producing assets:

🧱 Real Estate

📈 Paper Assets

💻 Digital Assets

🤝 Business Equity

Each has its own time, risk, and learning curve — but all of them have one thing in common:
They keep paying even when you don’t show up.

Wealth doesn’t grow from big moves — it grows from consistent habits compounded over time.

You can’t control the market, but you can control the system.
Here’s what to automate:

Every time you remove emotion from the process, your wealth gets more predictable.

Remember: discipline is easier when it’s automated.

Financial freedom doesn’t come from one huge win — it comes from layers.

Here’s an example roadmap:

Each new layer adds resilience — so no single income stream controls your life.

When one slows down, the others keep paying you.
That’s true financial security.

You don’t need millions to start.
You just need to start redirecting active energy into passive engines.

Every dollar you earn is a tool.
You can spend it, or you can plant it.

If you start planting now — in assets, knowledge, and systems — your future self won’t just thank you…
They’ll be living free because of it.