November 19, 2025

Happy Wednesday, everyone! ☀️💬

Good morning! I hope you’re feeling grounded, clear, and maybe even a little optimistic today — and if you’re not, no worries… you’ll probably feel that way after this message.

Let me ask you something simple but surprisingly powerful:
How many of your money decisions are based on… vibes?
Be honest.

Most people don’t have a money problem — they have a decision-making problem. One day they feel motivated, the next day they feel overwhelmed, and their bank account ends up reflecting whichever emotion was in charge that week.

But imagine this instead:
A world where your financial choices follow a system, not a mood.
A world where you know exactly how you decide — not guess, not hope, not flip a mental coin.

That’s what today’s post is all about: building your own Decision-Making System for Money — something reliable, repeatable, and stress-reducing.

— Ryan Rincon, Founder at The Wealth Wagon Inc.

— Helen Keller

Market Update: Today’s markets leaned heavily into the red as major indices pulled back across the board. The Nasdaq slid -1.21% to $22,432.85, with growth stocks taking the brunt of the selling pressure, while the S&P 500 dipped -0.83% and the Dow Jones fell -1.07%, reflecting a broader risk-off mood among investors.

In the crypto corner, Bitcoin managed to break the trend, inching up +0.44% to $92,508.96, offering a small spark of green in an otherwise gloomy session. Meanwhile, the metals market stayed muted—Gold slipped -0.16% and Silver declined -0.31%, signaling limited safe-haven demand despite equity weakness.

Among individual stocks, Oracle posted a mild gain of +0.27%, continuing to benefit from steady enterprise demand and cloud momentum. On the downside, Palantir dropped -2.29%, giving back recent strength as volatility hit high-growth names. Tesla also fell sharply, down -1.88%, as traders reacted to ongoing concerns around margins and production metrics.

Overall, it was a risk-off day with both tech and cyclicals under pressure, while Bitcoin and Oracle stood out as rare bright spots amid the volatility.

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The White House is sending mixed signals about potential U.S. military action against Venezuela, leaving lawmakers and foreign-policy analysts uncertain about the administration’s intentions. Officials have made both aggressive and cautionary statements, fueling speculation about internal disagreements. The ambiguity comes as regional tensions rise and U.S. allies press for clarity.

A federal court has blocked Texas from using its newly redrawn voting maps, ruling that they violate key constitutional protections. The decision halts implementation ahead of critical upcoming elections and reignites debate over voting rights across the state. Advocates say the ruling is a major victory, while state leaders vow to appeal.

A new national poll shows that many immigrants feel more fearful under the current administration but remain determined to stay in the United States. Respondents cited economic opportunity, family ties, and community support as primary reasons for staying despite rising concerns. Researchers say the findings highlight the complex balance between anxiety and resilience in immigrant communities.

Bitcoin is dramatically underperforming traditional assets in what analysts are calling the “Great Bitcoin Crash of 2025.” Its steep decline has pushed many investors toward safer holdings like bonds, gold, and cash. Market strategists warn that sentiment remains fragile, and recovery may take longer than previous downturns.

Health-care experts say the ACA “subsidy cliff” acts as a hidden or “phantom” tax for middle-income families who earn just above eligibility thresholds. Losing subsidies can cause premiums to spike thousands of dollars per year, creating a sudden, unexpected financial burden. Advisors recommend careful income planning to avoid crossing key cutoffs.

Amid the retirement of the penny, commentators are reflecting on the coin’s long and complicated history in American life. While its elimination is expected to remove inefficiencies from commerce, many still view it with nostalgic affection. Economists say the move was inevitable as production costs far exceeded the penny’s actual value.

Recent science discoveries include the detection of a radio signal from Comet 3I/ATLAS and the unearthing of a remarkably preserved Neanderthal skull. Researchers say these findings offer new insights into the early solar system and human evolution. The updates arrive alongside new astronaut mission data that further expands our understanding of long-distance space travel.

NASA and its European partners have launched a new satellite designed to monitor Earth’s oceans with unprecedented precision. The mission aims to track sea-level rise, temperature changes, and global climate patterns over the coming decade. Scientists say the data will be vital for forecasting environmental risks and shaping global climate policy.

Blue Origin’s New Glenn rocket has completed its first full mission, marking a major breakthrough for the company and intensifying competition with SpaceX. The booster demonstrated successful stage performance and payload delivery, boosting confidence in Blue Origin’s long-term capabilities. Industry analysts say this milestone could reshape the commercial launch market.

One of the biggest “silent killers” of financial progress isn’t bad investments, bad budgeting, or even bad luck.

It’s bad decisions.

Not because people are dumb — but because they don’t have a system to make financial decisions.
So every choice becomes emotional, rushed, or based on someone else’s opinion.

Should I buy this?
Should I invest in that?
Should I start a business now or wait?
Should I take this job or stay?
Should I reinvest or save?

Most people guess.
High performers don’t.

They follow a decision-making framework, which creates clarity, confidence, and consistency — no matter where they are in their financial journey.

Here’s how to build one for yourself.

Forget goals like “get rich” or “earn more.”

You need specific targets:

Once you know these, every decision becomes easier:

Does this help me get closer… or not?

If it doesn’t, it’s a no.
If it does, it’s a maybe.
If it does and the return is clear, it’s a yes.

You’ll be shocked how much noise this eliminates.

Before buying, investing, or committing, ask:

This instantly exposes:

In investing and business, the 10-year question is the most powerful:

Does this decision matter 10 years from now?
Or is it just noise?

This alone can save someone thousands.

For any investment, course, asset, or upgrade, evaluate:

Does it generate cash, increase earnings, or appreciate?

Does it save hours, reduce stress, or simplify life?

Does it increase your earning potential long-term?

An opportunity that hits 2 of the 3 is usually worth it.
One that hits all 3 is a no-brainer.

This test keeps you investing in things that actually move you forward — not random hype.

We all get flooded with opportunities:

Your filter protects your time and wallet.

Define rules like:

When an opportunity doesn’t pass the filter, you pass on it.
Zero guilt.

This keeps you focused — the greatest wealth builder of all.

Whenever you’re stuck between two choices, ask:

puts me in a better position long-term?”

Don’t choose based on fear.
Don’t choose based on convenience.
Choose based on potential trajectory.

This is how people make 10x decisions instead of 1.5x decisions.

Borrow this from Jeff Bezos:

High impact, hard to undo
→ move slowly, gather data, get advice
Examples:

Low risk, easy to reverse
→ move fast
Examples:

Most people treat reversible decisions like irreversible ones — and never move.
This framework removes the fear.

People obsess over the right investment, the right business idea, the right strategy…

But the truth is simple:

Your decision-making system matters more than any single decision.

Because a good system:

You don’t need perfect decisions —
you just need a repeatable process that makes you better every month.

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