November 21, 2025

Happy Friday, everyone! 🎉🌤️

Good morning! I hope you’re rolling into the end of the week with good energy — or at least the determination that coffee will handle the rest.

Let me ask you something fun to kick things off:
If you had a second income stream magically appear today, what’s the first thing you’d do with it?
Pay off something?
Invest it?
Treat yourself to something overdue?
Or maybe just smile because your money is finally working as hard as you do?

Here’s the good news:
You don’t need magic.
You don’t need to quit your job.
You don’t need a million-dollar idea.

You just need one intentionally built second income stream — the kind that fits your life, doesn’t eat your time, and quietly adds financial breathing room.

— Ryan Rincon, Founder at The Wealth Wagon Inc.

— Robin Sharma

Market Update: Markets slid across the board today as investors pulled back ahead of key economic signals. The Nasdaq led the decline with a sharp 2.15% drop, followed by the S&P 500, which slipped 1.56%, and the Dow Jones, down 0.84%. Bitcoin took a heavy hit, falling 5.22%, adding pressure to the risk-asset space.

Commodities were mixed: Gold inched up 0.47%, and Silver gained 0.33%, showing traditional safe-havens attracting modest interest. In equities, AT&T posted a solid 1.01% increase, while Visa hovered nearly flat at -0.07%. Wayfair, however, dipped 0.44%, reflecting continued consumer-sector volatility.

Overall, today’s movement paints a classic risk-off mood: tech and crypto retreat, safe-havens stabilize, and select defensive names show resilience.

You don’t have to do everything yourself. Upwork Business Plus connects you with top freelancers and AI recruiting that delivers results in hours. Focus on growth while trusted experts handle the rest.

Spend $1,000, get $500 back in Upwork credit before December 31, 2025.

Buy back your time and build a better business with Upwork.

Travelers without a Real ID will soon face new restrictions at TSA checkpoints, as U.S. airports prepare to enforce long-delayed federal identification rules. Officials say the change aims to strengthen security nationwide, but warn that millions may still be unprepared. Airport leaders recommend verifying ID compliance early to avoid holiday travel disruptions.

A fifth death has been reported at Walt Disney World within a single month, raising renewed concerns about safety and emergency response inside the parks. Officials say each case involved unrelated medical episodes, but the cluster is drawing national attention. Park operators insist that safety protocols were followed and that investigations are ongoing.

In an unusual attempt to improve commuter experience, a subway system has replaced foul odors with a curated pleasant fragrance in the world’s first-ever “aroma ad.” Transit officials partnered with a fragrance brand to install scent diffusers on high-traffic platforms. Commuters are giving mixed responses, with some calling it refreshing — and others calling it a strange marketing experiment.

Ripple plunged below $2 on the first day of trading for the new Bitwise XRP ETF, surprising investors who expected a confidence boost from the listing. Analysts say the volatility reflects broader uncertainty across the crypto market. Traders warn that until liquidity stabilizes, major altcoins may continue to face sharp price swings.

A new analyst report warns Bitcoin could fall to as low as $10,000 after its latest crash to $86,000. The analysis cites worsening macroeconomic sentiment, declining institutional inflows, and persistent sell-pressure across major exchanges. Experts say the outlook hinges heavily on inflation data and central-bank decisions in the coming weeks.

Bitcoin, Ethereum, and XRP all suffered steep declines as hopes for near-term rate cuts evaporated, triggering liquidations approaching $1 billion. Market watchers say investors quickly shifted out of risk assets amid rising bond yields and hawkish economic signals. The synchronized downturn underscores how vulnerable crypto remains to macroeconomic shocks.

A U.S. citizen detained in Saudi Arabia for posting critical tweets has been released after international pressure mounted on the kingdom. Advocates say his case highlighted growing concerns about digital speech laws in the region. Family members expressed relief, though human-rights groups insist similar cases require closer U.S. oversight.

A major political briefing outlined five key issues dominating national attention heading into Nov. 20, including new Epstein court filings, Dick Cheney’s public statements, endangered species rulings, and developments in Ukraine. Analysts say the rapid shifts underscore how crowded and unpredictable the political news cycle has become. Voters are increasingly turning to summary briefings to keep up.

Regional political circles are buzzing after Vasireddy Padma resigned from her party, prompting speculation about her next move. Local leaders say she currently has no clear political home, and recruitment efforts appear cautious. Her departure has added uncertainty to an already fragmented political landscape.

Owning a home gets you equity, a place that’s all yours, and now, better auto insurance rates. Drivers who own their home, own multiple cars, and have a clean driving record can save big by comparing insurance rates. And now, with EverQuote, that process is easier than ever.

EverQuote is a smart insurance marketplace built for people like you. We simplify the entire process:

You deserve great coverage without the headache.

Click to get started!

Let’s talk about something almost everyone thinks about…
but very few people actually build properly:

A second income stream.

Not a side hustle that dies in 3 weeks.
Not a passion project that earns $40 a month.
Not a “maybe one day” business idea.

I mean a real, durable, reliable income stream that supports your financial goals — whether that’s investing more, leaving your job eventually, or just having breathing room.

This isn’t hype.
It’s not magical.
It’s a process.

Let’s walk through it step-by-step like a friend showing you how to do it the smart way — the way busy professionals, business owners, and ambitious beginners can all use.

Most people start with,
“Hmm… what should I create? A course? A side business? A service?”

Wrong starting point.

Start with this instead:

Here are the four main categories:

Ask yourself:

Choosing the correct category saves months of wasted effort.

Everyone has skills — even people early in their career who think they “don’t.”

But the monetizable ones tend to fall into three buckets:

writing, coding, design, data, editing, operations

sales, customer service, communication, negotiation

things you’re good at that solve problems:

You don’t need to be elite.
You need to be useful.

If someone will pay for the outcome — you have a monetizable skill.

A mistake many people make:
They try to monetize skills nobody urgently needs.

A CFO solving tax strategy? Valuable.
A designer improving brand identity? Valuable.
A TikTok editor saving entrepreneurs 20 hours a week? Valuable.
A researcher finding leads for a business owner? Extremely valuable.

Here’s the formula:

Ask yourself:

That is your target.

Don’t spend 3 months making a website.

Instead, create:

Example:

“I’ll find and qualify 50 high-intent leads for your business each week — $350/month.”

Or:

“I’ll manage your bookkeeping so you never stress about taxes again — $200/month.”

Or:

“I’ll edit 8 videos per month for your social media — $400/month.”

Straightforward.
Valuable.
Easy to say yes to.

You only need two things to start:

LinkedIn
Instagram
X
Your email signature
Your existing network

Something like:

“Hey — I’ve started offering [service].
If you or anyone you know needs help with [specific pain point], I can take it off your plate.”

That’s it.

Second income streams don’t begin with funnels and ads.
They begin with conversations.

This is where second income streams fail for most people — things become chaotic.

Here’s the fix:

You’re not building a side hobby.
You’re building a tiny business next to your main life.

Treat it like a business and it behaves like one.

A second income stream is not just about extra money.
It gives you:

You don’t need the perfect idea.

You need:

That’s it.

The AI Wagon – AI trends, tools, and insights – Subscribe

The Economic Wagon – Global markets and policy shifts – Subscribe

The Financial Wagon – Personal finance made simple – Subscribe

The Investment Wagon – Smart investing strategies – Subscribe

The Marketing Wagon – Growth and brand tactics – Subscribe

The Sales Wagon – Selling made strategic – Subscribe

The Startup Wagon – Build, scale, and grow – Subscribe

The Tech Wagon – Latest in tech and innovation – Subscribe

Side Hustle Weekly - Actionable side-hustle ideas and income tips - Subscribe