November 24, 2025

Happy Monday, everyone! 🌤️💪

Good morning! I hope you’re stepping into this new week feeling refreshed, focused, and maybe even a little excited about what’s ahead. Mondays get a bad reputation, but honestly? They’re kind of magical — a clean slate wrapped in a calendar page.

Let me ask you something fun to kick us off today:
If your personal finances were a business… would you invest in you?

Most people manage their money like a messy junk drawer — a little bit here, a little bit there, and a couple of mystery subscriptions nobody remembers signing up for. But the truth is…
your money has way more potential when you treat it like an operation instead of an accident.

And here’s the cool part:
When you look at your finances the way a business owner or CFO would — with clarity, intention, and a simple system — you almost always find hidden money you didn’t even realize was there.

— Ryan Rincon, Founder at The Wealth Wagon Inc.

— Mahatma Gandhi

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?

Almost no one knows this, but postwar and contemporary art appreciated 11.2% annually with near-zero correlation to equities from 1995–2024, according to Masterworks Data.

And sure… billionaires like Bezos and Gates can make headlines at auction, but what about the rest of us?

Masterworks makes it possible to invest in legendary artworks by Banksy, Basquiat, Picasso, and more – without spending millions.

23 exits. Net annualized returns like 17.6%, 17.8%, and 21.5%. $1.2 billion invested.

Shares in new offerings can sell quickly but…

👉 [My subscribers skip the waitlist].*

_{*Past performance is not indicative of future returns. Important Reg A disclosures: masterworks.com/cd.}

“Wicked: For Good” smashed expectations at the box office, delivering the biggest opening day reported for any film in 2025 so far. Industry analysts say the combination of a dedicated fan base, premium theater formats, and strong early reviews helped propel the surge. The massive turnout suggests the musical adaptation could dominate the holiday movie season.

A second suspect has been identified in connection with the death of Celeste Rivas, the teen found dead inside another teen’s vehicle. Investigators say new evidence has surfaced that ties the suspect to the events leading up to the homicide. The case has drawn widespread attention as authorities continue piecing together the timeline.

Jellybean Johnson, renowned musician and key figure in the Minneapolis Sound movement, has died at 69. Known for his work with the Time and numerous influential funk and R&B artists, Johnson shaped an entire era of modern music. Tributes from across the industry highlight his legacy as both a groundbreaking guitarist and a celebrated collaborator.

Analysts reviewing the September jobs report say the economy is showing mixed signals, with strong hiring in some sectors and slowing growth in others. Wage gains continue but remain uneven across industries, adding to uncertainty about long-term momentum. Economists warn that policymakers will need to navigate carefully to avoid triggering instability.

Japan has approved a sweeping new stimulus package aimed at boosting spending and stabilizing growth, but markets are reacting with concern. Investors fear the bold measures could deepen the country’s already significant debt burden. The plan includes subsidies, infrastructure spending, and targeted consumer incentives meant to lift demand heading into 2026.

Holiday discounts may not be as deep this year, according to new retail analysis, largely due to persistent tariffs raising costs for imported goods. Retailers are trying to balance demand with tighter margins, limiting how aggressively they can slash prices. Shoppers may still find deals — but not the dramatic markdowns seen in previous holiday seasons.

SpaceX successfully launched another batch of Starlink satellites, marking its 150th Falcon 9 mission of the year — a record-breaking pace for the company. The launch underscores SpaceX’s continued dominance in the commercial launch market. Engineers say the increasing cadence demonstrates improved reliability and operational efficiency.

This week’s top science developments include major updates from NASA, new images from Comet 3I/ATLAS, and internal turbulence within the CDC. Researchers have also highlighted notable breakthroughs across astronomy and biology. The wide range of discoveries reflects a rapidly accelerating period of scientific progress.

Scientists are tracking significant solar-flare-induced disruptions in Earth’s ionosphere, raising concerns for aviation, GPS navigation, and communications systems. The disturbances were caused by a cluster of unusually strong flares over several days. Researchers are monitoring conditions closely as the Sun approaches a peak in its activity cycle.

Most people track their finances emotionally — not strategically.

Businesses don’t do that.
They run audits, review expenses, analyze ROI, adjust budgets, and optimize for profit.

If you start treating your personal finances like a business, you’ll uncover money, remove waste, and create clarity almost instantly.

Here’s a straightforward, practical process your readers can actually apply today.

Think of this as your “quarterly report.”

Pull the last 90 days of transactions from:

Put everything into a simple spreadsheet with four columns:

Why 90 days?
It’s recent enough to reflect your actual habits, but long enough to show patterns.

Do NOT make 30 categories like budgeting apps do.
It creates confusion, not clarity.

Use only these three:

Things you must pay to live and work:

Expenses that improve skills, energy, or earning ability:

Everything else.
Streaming, eating out, convenience purchases, random Target hauls, hobbies, luxury, alcohol, travel, etc.

Once everything is tagged, the truth becomes obvious.

There are four types of recurring leaks:

Most people find between $150–$600/month they didn’t realize they were spending.

That’s $1,800–$7,200 per year.

This money can be redirected to investing, building a cash buffer, or paying debt.

This part is surprisingly eye-opening.

For every discretionary category, ask:

You’ll find categories where you're overspending just out of habit, not enjoyment.

Example:
Most people don’t actually love their weekly DoorDash habit — they just default to it.

Cutting emotional autopilot spending increases your savings without feeling deprived.

Instead of only auditing expenses, evaluate how stable and scalable your income is.

Break your income into three buckets:

What you earn from your job or business.

Side gigs, freelance work, commissions, bonuses.

Dividends, real estate income, interest, digital products, royalties, etc.

Then ask:

You’ll start to notice income blind spots you weren’t aware of.

Your finance audit is useless unless you turn it into a plan.

Use this simple three-tier system:

This transforms your audit into an actual roadmap.

Most people believe they need to make more money to improve their financial life.

But the truth is:

You can create more financial stability, clarity, and momentum simply by treating your personal finances like a business.

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