November 15, 2025

Happy Saturday, everyone! 🌞

Good morning! I hope you’re easing into the weekend feeling refreshed and ready to recharge — or maybe even to dream a little bigger. Saturdays are perfect for reflection — that quiet space between the work you’ve done and the goals you’re still chasing.

Here’s a thought to sip on with your morning coffee: leverage isn’t just about borrowing money — it’s about borrowing momentum. 🚀 You don’t always need debt to build wealth; sometimes, it’s about using your skills, systems, or network to make what you already have go further.

That’s exactly what today’s post dives into: How to Build Financial Leverage Without Taking on Debt. Because true leverage isn’t risky — it’s smart. It’s about creating more output without adding more effort.

— Ryan Rincon, Founder at The Wealth Wagon Inc.

— Confucius

Market Update: The Nasdaq inched up +0.13% to $22,900.59, showing that tech still had a bit of strength even as traders grew cautious elsewhere. Meanwhile, the S&P 500 slipped -0.05% and the Dow Jones fell -0.65%, reflecting broader weakness in large caps and cyclical names as investors looked for clarity on upcoming economic data.

Bitcoin took the hardest hit, dropping -4.67% to $95,039.62, a sizeable pullback that suggests traders locked in profits after recent volatility. The pressure extended into the metals market, where Gold fell -2.64% and Silver tumbled -5.01%, signaling reduced safe-haven demand and possibly some rotation into equities earlier in the week.

In individual stocks, Broadcom rose +0.73%, continuing its upward momentum as chip demand stays strong. Robinhood gained +0.80%, supported by consistent trading activity and steady user engagement. On the downside, JP Morgan slipped -1.84%, with financials giving back ground after recent strength as rate expectations fluctuated.

Overall mood: tech showed quiet resilience, commodities sunk sharply, crypto took a notable step back, and financials weakened — a classic “wait and see” day for the market.

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?

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Russia has launched another massive wave of strikes on Kyiv, targeting energy infrastructure in an effort to plunge the capital into darkness. Ukrainian officials report widespread outages but say defense systems intercepted a significant number of incoming missiles. The attacks come as winter approaches, intensifying concerns about civilian safety and heating supplies.

China has warned Japan of a “crushing” diplomatic and economic response following recent tensions between the two nations. Officials in Beijing are also urging Chinese citizens to avoid travel to Japan, citing safety concerns and rising political hostility. Analysts say the escalation could strain regional alliances and complicate broader Indo-Pacific security cooperation.

The U.K.’s economic forecast has improved, prompting Rachel Reeves to pull back from a planned income-tax rate increase. She emphasized that stronger-than-expected growth gives the government more room to avoid additional burdens on workers. Economists caution, however, that long-term fiscal pressures still remain.

A fierce political clash over healthcare subsidies is beginning to shape the early landscape of the 2026 midterms. Lawmakers are split over whether to extend expanded tax credits that have lowered premiums for millions. Advocates warn that ending the subsidies could lead to a surge in uninsured Americans at a critical moment in the economic cycle.

U.S. markets slipped as investors reacted to fresh data indicating a cooling economy, dragging down major indexes including the Dow and Nasdaq. Traders are increasingly concerned about weakening consumer demand and tightening financial conditions. Analysts say the next few weeks will determine whether the downturn represents a temporary correction or a broader slowdown.

Soybean prices are retreating after the USDA cut export forecasts and reported limited purchasing activity from China. Farmers are facing mounting pressure as global demand softens and inventories rise. Commodity analysts predict continued volatility unless international buyers resume stronger purchasing patterns.

Walmart shares have soared more than 300% during outgoing CEO Doug McMillon’s tenure, reflecting a decade of aggressive expansion and operational modernization. Under his leadership, the company transformed its online infrastructure, strengthened supply chains, and embraced automation. Industry analysts say his successor will inherit a stronger, more diversified business — but also new challenges in labor, logistics, and global competition.

Bitcoin has fallen to a six-month low as investors retreat from risk-heavy assets amid rising global uncertainty. Market volatility has increased sharply, driven by concerns over slower economic growth and shifting central-bank policies. Crypto analysts warn that further declines are possible if macroeconomic sentiment continues to deteriorate.

The United States, Switzerland, and Liechtenstein have announced a landmark trade agreement aimed at strengthening cross-border investment and reducing regulatory barriers. The deal focuses on digital commerce, intellectual-property protections, and clean-energy cooperation. Officials say the pact represents a major step forward in modernizing economic ties across the Atlantic region.

Let’s talk about one of the most misunderstood ideas in money and business: leverage.

Most people hear that word and think of massive loans, risky trades, or billionaires borrowing billions.
But here’s the truth: you can build financial leverage without touching a dime of debt — and it’s one of the most powerful ways to multiply wealth in your personal or business life.

If you want your money to work for you (instead of you always working for it), this concept changes everything.

Leverage isn’t just borrowing money.

At its core, leverage means using something you already have — whether it’s time, money, skills, or relationships — to control more resources and produce greater results than you could alone.

In plain English:

There are many types of leverage — and not all involve debt or financial risk.

Here’s how to build it, step by step.

This is the most underrated kind of leverage there is.

When you understand how systems work — whether it’s real estate, marketing, or investing — you gain decision power.
You stop guessing. You start positioning.

Example:
Let’s say two people each have $10,000.
One throws it in random stocks.
The other studies how market cycles and index funds work — and doubles it in five years.

The second person didn’t have more money. They had more leverage through knowledge.

📌 How to build it:

Knowledge is leverage because it compounds — and no one can take it from you.

Let’s be real: money moves faster through people than through banks.

Your network — the people who know, trust, and recommend you — can multiply your opportunities, access, and reach more than capital ever could.

Example:

Same skill level, same qualifications — but one used network leverage.

In business, your network gets you clients, investors, deals, and shortcuts money can’t buy.

📌 How to build it:

Leverage grows when people associate your name with trust, skill, and opportunity.

This one separates hustlers from builders.

If your income stops when you stop working — you don’t have leverage yet.

Systems are how you turn effort into recurring results.
That could mean automating tasks, delegating, or using technology to scale.

Examples:

The more your systems handle, the less you have to — and the more time you free up for strategy and growth.

📌 Ask yourself:

That’s where your next layer of leverage is hiding.

Here’s where it starts to feel like traditional “finance.”

Asset leverage means letting your money, brand, or creations produce income beyond your direct effort.

And no — you don’t need millions to start.

You can begin with small, controlled steps like:

Assets are leverage because they don’t need you present to keep earning.

You put effort (or capital) in once — and they return value over and over.

This is the invisible force behind wealth acceleration.

A solid reputation compounds faster than any stock.
When people trust your name — doors open automatically.

In business, reputation means:

In investing, it can mean getting access to private deals or being invited into exclusive networks.

📌 How to build it:

Reputation is slow to build but exponential once established.

This one’s simple — but it’s everything.

You can’t scale your income if you’re buried in low-value work.
Your time is the most limited currency you own.

So the goal is not just to “work hard,” but to work in your highest-value zones — and delegate, automate, or eliminate the rest.

Ask yourself weekly:

If the answer is no — find a way to get it off your plate.

This one shift can double your output and halve your stress.

Leverage isn’t just for the wealthy — it’s how people become wealthy.

You don’t need to take on risky loans or trade on margin to get it.
You can build it through:

Each layer adds another multiplier to your results.

And when you start stacking them — that’s when income, influence, and opportunity begin compounding together.

So next time you think about “working harder,” pause and ask:

Because wealth doesn’t come from effort alone.
It comes from effort that echoes.