November 26, 2025

Happy Wednesday, everyone! 🌤️✨

Good morning! I hope you’re feeling centered, focused, and maybe even a little proud of yourself for showing up today — because most people don’t realize how powerful consistency truly is.

Let me start your morning with a simple question:
If your finances were a car, would you feel safe taking it on a long road trip… or would you be nervously watching the dashboard for warning lights?

Here’s the thing nobody teaches us:
Money doesn’t fall apart all at once — it falls apart quietly, slowly, and predictably.
Bills creep up. Spending drifts. Subscriptions multiply like rabbits. And before you know it, a tiny leak has turned into a “How did this get so bad?” moment.

But today’s topic flips that on its head.
We’re talking about Financial Maintenance Cycles — a simple rhythm you build into your life that helps you spot problems early, tighten things before they unravel, and stay ahead of the game without living inside a spreadsheet.

— Ryan Rincon, Founder at The Wealth Wagon Inc.

— Japanese Proverb

Market Update: Markets pushed higher across the board today, with major indices showing solid momentum. The Nasdaq climbed +0.67%, continuing its tech-driven rebound, while the S&P 500 rose +0.91%, and the Dow added +1.43%, marking a strong green day for equities.

In crypto, Bitcoin slipped -1.78%, cooling off after recent gains and signaling some short-term consolidation.

Commodities were mostly positive: Gold gained +0.83%, and Silver jumped +1.55%, reflecting a small rotation into hard assets.

Among individual names, Tesla edged up +0.39%, keeping its upward trend intact, while Exxon fell -1.26% as energy continued to face pressure. Oracle declined -1.62%, extending its recent pullback.

Overall, the day leaned bullish — strong indices, rising metals, and selective stock strength — even as crypto and some large-caps saw red.

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…

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

Authorities have detained four additional suspects in the Louvre heist, but the fate of the stolen jewels remains a mystery. Investigators say the arrests could help unravel how the high-profile theft was executed and where the missing artifacts might be hidden. Despite progress in the case, officials warn that recovery efforts may still take months.

An Italian man was arrested after allegedly disguising himself as his deceased mother in an attempt to continue collecting her pension. Footage reportedly shows him wearing a wig and makeup in an effort to keep the scheme undetected. The bizarre case has sparked national conversation about pension fraud and oversight failures.

A Catholic bishop in Niger state publicly criticized the government for failing to rescue kidnapped schoolchildren after yet another abduction. He called the situation “deeply heartbreaking” and urged authorities to take stronger action against armed groups terrorizing rural communities. The incident underscores Nigeria’s ongoing struggle with mass kidnappings.

Retail sales inched up 0.2% in September, according to long-delayed data that shows the economy is growing—but at a crawl. Analysts say the modest increase reflects cautious consumer spending amid persistent inflation and high borrowing costs. The update also hints that momentum may be slowing heading into the holiday season.

New wholesale data shows meat prices surged again in September, adding more pressure to households and restaurants alike. Rising feed costs, supply constraints, and processing bottlenecks continue to drive inflation across beef, pork, and poultry categories. Industry analysts warn that relief is unlikely in the near term.

The 10-year U.S. Treasury yield declined as new labor market data pointed to softening conditions. Investors interpreted the shift as a sign that the Federal Reserve may eventually ease its tightening stance. Markets reacted positively to the drop, though concerns about long-term economic stability remain.

Gold surged above $4,100 as traders reacted to comments from Fed officials suggesting a more cautious approach to future rate movements. Analysts say safe-haven demand is rising as geopolitical tensions and recession fears intensify. The metal’s strong performance has fueled speculation it could test new all-time highs soon.

Grain markets remained quiet ahead of the holiday period as traders wait for the next major catalyst. Analysts say weather patterns, export demand, and updated crop forecasts will determine whether prices break higher. For now, the market is in a holding pattern with low volatility.

Cocoa prices fell sharply on expectations of strong upcoming harvests and improved global supply conditions. After months of volatility driven by weather concerns, traders finally see signs of stabilization. Manufacturers hope the downturn will ease cost pressures heading into 2026.

Let’s talk about something almost nobody in personal finance ever mentions — yet every smart operator, CEO, and high-level investor uses constantly:

maintenance cycles.

In business, maintenance cycles prevent:

But guess what?

Your personal finances have the same failure points — you just don’t treat them like systems that require scheduled checkups.

This is why people wake up to:

So today, you’re going to learn how to run your life like a well-maintained asset — using a simple cycle used in business, aviation, construction, and high-precision operations:

Quarterly, Semiannual, and Annual Maintenance.

When applied to your money, it becomes one of the most powerful “invisible advantage” systems you can build.

Let’s get into it.

You don’t lose wealth in big, dramatic moments.

You lose it in:

Most financial problems are predictable.

Meaning:
They are preventable.

Maintenance cycles turn you into someone who prevents fires instead of putting them out.

This is EXACTLY how COO-level operators eliminate chaos.

You’re going to do the same — but for your money.

This cycle catches changes, creeping risk, and drift.

Think of it as calibrating your financial instruments.

Every 90 days:

One item caught early can save you tens of thousands in future loan costs.

Not to feel good — but to spot:

Your money should always be moving with intention.

This isn’t “cutting lattes.”
This is identifying:

It takes 10 minutes but often frees $50–$200/month.

Your earning power is an asset too.

Every quarter ask:
“Where is my time producing the highest financial return?”

Shift your energy accordingly.

This cycle focuses on alignment and adjusting for life changes.

This includes:

Most people are either overpaying or under-covered.

Both are expensive in different ways.

Questions to ask:

Bank accounts should serve you, not inconvenience you.

These include:

Are you still using them?
Are they still valuable?
Do they still justify the cost?

Because it removes the two things that kill wealth:

Maintenance cycles create a life where:

This is how wealthy people stay wealthy — structure, not luck.

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