November 23, 2025

Happy Sunday, everyone! ☀️😌

Good morning! I hope you’re easing into the day with something warm in your hands and zero rush in your soul. Sundays have this unique energy — a little slower, a little softer, and perfect for noticing things we usually overlook.

So here’s a fun question to kick things off:
Have you ever wondered how much money you don’t make — not because you’re doing anything wrong, but because of tiny things slipping through the cracks?

In life and in business, it’s rarely the big disasters that slow us down.
It’s the small, sneaky, invisible stuff:
tiny delays, unclear processes, missed follow-ups, inefficient habits…
all the “friction points” we never think about because they don’t scream — they whisper.

But here’s the good news:
Fixing these little friction points often unlocks more revenue, more opportunity, and more momentum than dramatic overnight changes ever do.

— Ryan Rincon, Founder at The Wealth Wagon Inc.

— Chinese Proverb

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Bitcoin’s sudden drop to $83,000 is being attributed to what analysts describe as a combination of a “software glitch” and potential price manipulation. The event triggered widespread confusion among traders, many of whom questioned the integrity of major exchanges. Despite the sharp decline, some experts argue the fundamentals remain intact, though short-term volatility is expected to persist.

XRP holders are increasingly feeling the ripple effects of Bitcoin’s deepening liquidity crunch as market stress spills into other major cryptocurrencies. Lower liquidity has led to wider spreads, slower transactions, and more dramatic price moves. Analysts warn that unless Bitcoin stabilizes, secondary tokens could face even harsher trading conditions.

A surge in USDC deposits across exchanges has sparked speculation that traders are positioning to buy the Bitcoin dip. Large stablecoin inflows typically signal fresh purchasing power entering the market. Whether this leads to a meaningful recovery depends on broader sentiment—especially as macroeconomic uncertainty continues to weigh on crypto valuations.

Medicare beneficiaries are bracing for a nearly 10% increase in a key expense heading into 2026, raising concerns about affordability for millions of seniors. Experts say rising healthcare treatment costs and demographic pressures are driving the spike. Policymakers are already debating potential reforms to prevent the burden from growing further.

Families in central Wisconsin are confronting major uncertainty as premium tax credits under the ACA near expiration. Without an extension, many households could see their monthly insurance costs more than double. Health advocates warn that the loss of subsidies may push thousands into the ranks of the uninsured.

Investor sentiment remains shaky after an extended period of market selloffs, with many unsure whether the slump represents a correction or the start of a deeper downturn. Some traders believe asset prices are adjusting to new economic realities, while others fear the pullback signals weakening growth. Analysts say upcoming inflation and jobs data will be critical for determining market direction.

The owner of the Daily Mail has reached an agreement to purchase the Daily Telegraph for £500 million, marking one of the most significant media acquisitions in the U.K. in years. The deal could reshape the country’s newspaper landscape, consolidating influence under a major publishing group. Regulators may still examine the transaction for competition concerns.

Tyson Foods will shut down a major beef facility in Nebraska, a move expected to disrupt local employment and the regional cattle supply chain. Company officials cite shifting consumer demand and operational costs as key reasons behind the closure. The shutdown reflects broader pressures facing the U.S. meatpacking industry.

Concerns are rising over a potential AI-driven market bubble as investors question whether recent gains can be sustained. While enthusiasm for artificial intelligence continues to push tech stocks higher, cracks are beginning to show in valuations and earnings forecasts. Analysts warn that a correction could be sharp if momentum cools abruptly.

If you’ve ever wondered why a business that should be thriving… isn’t — the answer is usually friction.

Not competition.
Not pricing.
Not marketing.
Not employees.
Not even the economy.

Friction.

Friction is every little obstacle — internal or external — that slows down sales, operations, communication, delivery, or customer experience. And here’s the crazy part:

Most businesses leak more money from friction than from bad decisions.

This applies whether you run a company, lead a team, work inside a big organization, or you’re planning to build something of your own.

When you understand friction, you start seeing invisible opportunities everywhere.

Let’s break it down in a simple, friendly, “we’re talking over coffee” way.

A friction point is any step in a process that:

These seem small, but the cumulative impact is massive.

Example:
If your company loses just 1% of potential customers at each step of a 10-step sales process…
You’re losing 9.56% of total revenue without noticing.

That’s friction.

Let’s make this practical.
There are four major forms of friction to pay attention to:

Anything that makes it harder for someone to buy from you.

Examples:

Every unnecessary click, form, or delay = lost money.

Internal bottlenecks that waste time and energy.

Examples:

Operational friction destroys momentum from the inside out.

Small frustrations that push customers away over time.

Examples:

Even tiny frustrations lead to churn and negative reviews.

Anything that slows leaders, teams, or individuals from making clear, fast decisions.

Examples:

Decision friction is one of the biggest killers of growth inside large companies.

Here’s the step 1 tool I use with business owners and executives:

Ask these 7 questions:

These questions expose everything.

You’ll be shocked how much revenue hangs on fixing tiny inefficiencies.

Once you find friction, use this simple improvement ladder:

Eliminate any step that isn’t necessary.

People often add new systems but rarely remove outdated ones.

If you can’t remove it, shorten it.

Make the process simpler, faster, or clearer.

Use tools to eliminate manual repetition:

Automation reduces errors and frees up hours every week.

Anything that requires a person but not your person
→ assign it to the right team or individual.

Delegation friction is real — many businesses stall because the founder or manager is a bottleneck.

Most people look for growth through:

But the highest-ROI move is often friction removal because:

Small improvements can produce massive returns.

One business owner I worked with added $380k/year in profit by fixing three bottlenecks that cost $0 to solve.

That’s friction reduction.

Most people chase massive changes to improve their business or career.

But wealth, efficiency, and success are usually built by fixing the invisible friction points that drag everything down.

Master this — even just a little — and you’ll outperform 95% of people in your field.

If you want another fresh, all-new, zero-repeat article, just say:

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