November 7, 2025

Happy Friday, everyone! ☀️

Good morning! We made it — the end of another week. Whether you’re sipping your first coffee or already halfway through your to-do list, take a second to appreciate something: you’re in motion. 💨

And that’s exactly what today’s post is about — building financial momentum (and keeping it going). Because once you get your money moving in the right direction, everything starts to feel lighter, smoother, and a little more exciting.

Momentum isn’t built on one big win — it’s the result of small, consistent moves that compound over time. Save a bit more, invest a bit smarter, learn something new, repeat. Before you know it, that steady pace turns into unstoppable progress.

So today, give yourself credit for every small step forward — they’re not small at all. They’re the point. Keep the flywheel spinning, and watch how far it takes you.

— Ryan Rincon, Founder at The Wealth Wagon Inc.

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— Sun Tzu

Market Update: Stocks stumbled across the board as investors digested mixed earnings and lingering economic uncertainty. The Nasdaq fell -1.90% to $23,053.99, leading the downturn in tech-heavy names. The S&P 500 slid -1.12% to $6,720.32, while the Dow Jones eased -0.84% to $46,912.30, capping off a cautious session.

Crypto wasn’t spared either — Bitcoin dropped -2.54% to $101,260.90, continuing its weeklong slump as traders trimmed exposure to risk assets. Meanwhile, safe havens like Gold and Silver slipped slightly, down -0.16% to $3,984.80 and -0.22% to $47.85, showing that even defensive assets weren’t immune to the broader risk-off sentiment.

Still, there were glimmers of green: Walmart inched up +0.21% to $101.68, buoyed by steady consumer spending, and AT&T climbed +0.73% to $24.74, riding optimism around telecom sector stability. On the downside, Zillow fell -1.00% to $72.30, as housing data pointed to cooling momentum in real estate activity.

📊 The takeaway: Wall Street hit the brakes, with tech and crypto driving the retreat. Defensive sectors offered small bright spots, but sentiment leaned cautious — investors are watching for the next catalyst to shake markets out of this red streak.

Israeli airstrikes have intensified across southern Lebanon, marking one of the most aggressive bombing campaigns in recent weeks. The strikes reportedly targeted Hezbollah positions, escalating tensions along the border. Regional leaders are calling for restraint as fears grow of a broader conflict emerging in the region.

A devastating typhoon has swept through the Philippines, leaving at least 114 people dead and displacing thousands. The storm brought severe flooding and landslides, cutting off access to several remote communities. Relief operations are underway, but officials warn that power outages and damaged infrastructure could slow recovery efforts.

Mass protests have erupted across Mexico after widespread outrage over an alleged public sexual assault involving the president. Demonstrators are demanding accountability and stronger protections for women. The incident has reignited debates about gender violence and political privilege in the country’s leadership.

Hopes for ending the government shutdown are fading as political gridlock deepens in Washington. Democrats, buoyed by recent election victories, are pushing for expanded spending measures, while Republicans call for fiscal restraint. Analysts warn that prolonged stalemate could further strain public services and delay key programs.

New York assemblyman Zohran Mamdani is heading to Puerto Rico for a major gathering of political strategists and lawmakers. The conference aims to discuss national campaign strategies, progressive policies, and coalition building ahead of the next election cycle. His participation underscores the growing influence of state-level leaders in shaping federal agendas.

Nancy Pelosi has announced she will retire at the end of her term in Congress in 2027, capping a historic career spanning decades. The former House Speaker is widely credited with reshaping Democratic strategy and guiding landmark legislation. Her departure marks the end of an era for one of the most influential figures in modern U.S. politics.

The IRS has unexpectedly halted plans for its free online tax filing system, citing technical and budgetary challenges. The move comes as millions of Americans were preparing to use the service in the upcoming tax season. Lawmakers are pressing the agency for answers, calling the cancellation a setback for taxpayer accessibility.

Healthcare experts are urging consumers to prepare for rising costs as ACA premiums increase nationwide. Analysts recommend reviewing subsidy eligibility and exploring state exchange options to minimize expenses. With enrollment deadlines approaching, many households are rushing to secure coverage before rates climb further.

Bitcoin has surged past $102,000 in a stunning rally that continues to defy expectations. At the same time, smaller cryptocurrencies like Zcash (ZEC) are also gaining momentum, and Ripple has announced a massive $500 million funding round. Analysts say investor optimism and institutional buying are fueling the latest surge in digital assets.

Let’s be honest — starting is hard.
But staying consistent once you do start? Even harder.

Whether it’s investing, saving, or growing a business, the real challenge isn’t making the first move.
It’s keeping momentum when progress feels slow, when motivation fades, or when life starts throwing curveballs (and it always does).

So today, let’s talk about something that can quietly change your financial trajectory over the next few years — how to build and keep financial momentum.

It’s not flashy. It’s not overnight. But it’s how real, lasting wealth is built.

Here’s a hard truth most people overlook:
Momentum doesn’t come from big moves. It comes from consistent ones.

Everyone wants to go from $0 to $1M in a year — but the people who actually get there start with $10.

If you can’t consistently save or invest $50 a week, you won’t handle $5,000 a month.
It’s the same discipline — just with bigger numbers later.

So start ridiculously small.

The key is to prove consistency before scale.
Once you start moving, momentum naturally takes over.

Momentum thrives on automation.

Think about it: every time you have to decide to save or invest, your emotions get a vote. And emotions are terrible with money.

Automation takes that out of the equation.

Set up:

You’ll be amazed at how much financial growth happens while you’re busy doing something else.

The best investors and business owners aren’t always the smartest — they’re the ones who removed friction.

Here’s a simple but powerful trick.

Create a separate account — call it your Momentum Fund.
This is where all your extra wins go.

That includes:

Instead of spending it or letting it sit, use this fund for growth moves only.

Examples:

This one small shift — separating growth money from lifestyle money — will accelerate your net worth more than you think.

You don’t need to “crush it” every quarter.
You just need to move in the right direction.

Track these three numbers monthly:

Then ask yourself:

That’s it. No fancy spreadsheets or 10-step plans.
Just honest tracking.

Over time, you’ll start noticing a weird phenomenon — your financial habits will adjust naturally because you’re paying attention.

Most people lose momentum because they start coasting after a win.
They make a profit… and stop pushing.

The wealthy do the opposite — they reinvest momentum.

You make $5,000 from an investment? Don’t celebrate too long. Deploy it again.
Your business profit doubles? Put part of it into marketing or a better system.
You pay off a debt? Redirect that payment into savings or an index fund.

Momentum dies when energy stops moving.
Keep it flowing forward, even in small ways.

Momentum doesn’t mean recklessness.
You can’t keep going if you’re constantly getting knocked off your feet.

Protect yourself by:

The best investors aren’t lucky — they just stay in the game long enough for compounding to do the heavy lifting.

Your goal is simple: survive every storm without starting over.

Your environment either fuels you or drains you.

If you’re surrounded by people who overspend, fear investing, or roll their eyes at ambition — your momentum will die quietly.

But if you hang around people who talk about assets, ideas, and opportunities — your standards will naturally rise.

Build your financial environment intentionally:

The more positive financial input you feed your brain, the easier it is to sustain momentum — especially on tough days.

Not all friction is bad.
Some of it protects your progress.

For example:

Reduce friction for the habits you want to keep.
Add friction to the habits you want to kill.

That’s behavioral finance in action — and it works.

Financial momentum compounds like interest.

It’s not the 10% return or the one good month that makes you wealthy — it’s staying consistent long enough for those little wins to multiply.

So zoom out.
Your goal isn’t to be rich next year.
It’s to never have to worry about money again.

Building financial momentum isn’t about intensity.
It’s about rhythm.

Save a little, invest a little, improve a little — over and over again.

And one day, you’ll look up and realize the momentum you built years ago is carrying you faster and farther than you ever imagined.

That’s how wealth is built — quietly, steadily, one decision at a time.