November 2, 2025

Happy Sunday, everyone! 🌞

Good morning! I hope you’re easing into the day with something that makes you smile — maybe a slow breakfast, a good playlist, or that perfect first sip of coffee. Sundays have this special “reset button” energy, don’t they? A chance to tidy up life, both literally and financially.

And that’s exactly what today’s post is about — how to create a financial system that runs itself. 🧩
Because the truth is, wealth isn’t built from constant effort — it’s built from smart systems. The kind that quietly do the heavy lifting while you live your life.

So today, think of yourself as an architect — designing a financial structure that doesn’t crumble every time you take a break. Let’s make your money management effortless, automated, and stress-free.

Grab your coffee, find a little sunshine, and let’s build a system that works even when you’re not thinking about it. ☕💼

— Ryan Rincon, Founder at The Wealth Wagon Inc.

If you subscribed by accident or wish to no longer receive The Wealth Wagon content click here to un-subscribe →

— Steve Jobs

You built your business with a team. Your book should be no different.

Author.Inc helps founders and executives turn their ideas into world-class books that build revenue, reputation, and reach.

Their team – the same people behind projects with Tim Ferriss and Codie Sanchez – knows how to turn your expertise into something that moves markets.

Schedule a complimentary 15-minute call with Author.Inc’s co-founder to map out your Book Blueprint to identify your audience, angles, and ROI.

Do this before you commit a cent, or sentence. If it’s a go, they’ll show you how to write and publish it at a world-class level. 

If it’s a wait, you just avoided wasting time and money.

Get Your Free Book Blueprint.

Putin has escalated tensions with the West by brandishing nuclear threats during ongoing discussions with the U.S. The move is seen as an attempt to pressure Washington into concessions amid deteriorating diplomatic ties. Analysts warn that such rhetoric could further destabilize global security talks.

The number of Irish citizens deported from the U.S. has risen by more than 50% this year, according to new immigration data. Officials attribute the increase to stricter enforcement measures and visa overstays. Irish authorities have expressed concern and are seeking clearer communication with U.S. immigration agencies.

Trump’s new tariff strategy is creating a dilemma for America’s closest allies, forcing them to choose between compliance and retaliation. Economists describe the move as risky but potentially effective in reshaping global trade terms. The policy has already triggered sharp criticism from European and Asian partners.

Federal judges have ordered the Trump administration to release contingency funds to keep the SNAP food assistance program running during the shutdown. The ruling aims to ensure millions of low-income families continue to receive benefits amid political gridlock. Lawmakers from both parties are urging faster budget negotiations to prevent further hardship.

Voter frustration is growing as the government shutdown drags on, with polls showing many Americans blaming Republican leadership for the stalemate. Economic uncertainty and delayed services have amplified anger across key swing states. Political analysts say prolonged inaction could reshape the 2026 midterm landscape.

Senator Fetterman issued a blunt apology to fellow Democrats after criticizing the party’s internal dysfunction during the ongoing shutdown. His remarks have reignited debate over leadership discipline and messaging. Party strategists are pushing for unity as public patience with Washington wanes.

Federal Reserve officials are warning that the U.S. risks a recession if rate cuts are delayed too long. Persistent inflation and slowing job growth are testing the Fed’s balancing act between stability and stimulus. Analysts expect mounting pressure for earlier rate reductions in the coming months.

Retailers across the U.S. are scrambling to adapt as penny production officially comes to an end. Businesses are adjusting prices and rounding policies, while banks manage dwindling coin inventories. Economists say the move could save federal costs but cause mild confusion in cash transactions during the transition.

China’s manufacturing sector is showing sharper-than-expected weakness, with PMI data signaling a deeper slowdown. Factories report falling exports and reduced demand from Western markets. The latest figures have heightened concerns about a potential drag on global supply chains.

Gold prices are edging higher as investors digest the outcomes of the latest U.S.–China trade discussions. Analysts say ongoing uncertainty over tariffs and global growth is driving renewed interest in safe-haven assets. Many expect bullion to stay strong through the year’s end if central banks remain cautious.

Open enrollment for the Affordable Care Act has begun with a notable rise in healthcare premiums nationwide. Experts say higher costs stem from reduced federal subsidies and growing demand for coverage. Consumers are being urged to compare plans carefully as enrollment deadlines approach.

Northern Light Health has announced it will continue treating Anthem insurance patients in-network after a breakthrough in contract negotiations. The agreement prevents potential disruptions to thousands of Maine residents’ healthcare access. Both sides have committed to a new framework ensuring fair reimbursement rates.

Astronomers are gearing up for November’s much-anticipated supermoon, which will be the largest and brightest of the year. The event will bring the moon roughly 14% closer to Earth than usual, creating striking nighttime visuals. Observers across North America will have the best viewing conditions this weekend.

A 90-year-old great-grandmother has helped researchers unlock clues about a centuries-old dinosaur fossil. Her sharp memory and local knowledge guided scientists to previously unexplored excavation sites. The discovery has provided rare insights into the preservation of prehistoric remains.

Blue Origin has successfully tested its powerful New Glenn rocket ahead of NASA’s upcoming Mars mission. The test marked one of the company’s most significant milestones, showcasing the rocket’s capacity for deep-space launches. Engineers say the success strengthens Blue Origin’s standing in the commercial space race.

Let’s be honest — managing money manually is exhausting.
Budgets, bills, investments, side income, credit cards… it can feel like juggling ten flaming swords while riding a unicycle.

But here’s the truth:
Wealthy people don’t manually manage every dollar. They build systems that do it for them.

Today, let’s talk about how to create a personal financial system — one that helps you automatically grow wealth, control spending, and save time without having to obsess over every detail.

Think of your finances as a living system — income flows in, expenses flow out, and wealth accumulates somewhere in between.

You don’t need a complicated spreadsheet or an MBA to get this right. You just need a clear, automatic flow of where your money goes every month.

Here’s what a simple setup looks like:

Income → Main Checking Account → Automatic Transfers → Investments, Savings, and Bills

Example:

No mental math. No “I’ll do it later.”
The system runs itself — you just supervise it.

If you’re serious about building wealth, automation is your superpower.

Here’s where to start:

Set up automatic contributions to your:

You won’t “miss” the money if you never see it hit your checking account.

Late payments destroy credit and add stress.
Set up autopay for:

Even small automatic transfers matter.
Example: $100/week → $5,200 a year → $26,000 in 5 years — without thinking about it once.

You can’t “forget” to save if it’s automatic.

One of the biggest financial mistakes people make is using one account for everything.

Instead, separate your money by purpose.

Here’s a simple system that works for almost everyone:

This setup gives you clarity. You’ll know exactly what’s safe to spend versus what’s growing in the background.

Even with automation, you still need to check in occasionally — think of it like a business owner reviewing their financials.

Your “money day” takes 30 minutes max.

Here’s what to do:

That’s it. One focused check-in keeps your system healthy and on track.

You don’t need 20 different funds or complex strategies.
The more complicated your investments, the less likely you’ll stay consistent.

Here’s a simple, effective setup:

And automate those contributions — even $200 a month adds up fast.

Example:
$200/month in an S&P 500 ETF averaging 8% annually → $146,000 in 25 years.
Double that, and you’re looking at nearly $300,000+.

That’s not magic — that’s automation and time.

Here’s the secret to staying consistent: track the right numbers.

Track these:

Ignore these:

You’re building your system — not chasing someone else’s version of success.

Once your system is set up, the goal is to stop thinking about it.

You shouldn’t have to budget obsessively every day or feel guilty about every expense.
You should live your life knowing your system is quietly doing the work behind the scenes.

That’s what wealthy people do — they don’t “try” to save or invest, it just happens automatically because they’ve designed their finances to serve them.

Financial success isn’t about working harder or checking your account 12 times a week.
It’s about building a system that runs without your constant attention.

Here’s the formula:

You’ll be amazed how much wealth you build when your money starts working on autopilot — quietly, consistently, and powerfully.