October 11, 2025

Good morning! I hope you’re easing into the weekend with a hot cup of coffee and maybe a little extra sunshine in your day. Saturdays have that rare magic — a mix of possibility and peace — the kind of day where you can think big without rushing.

Here’s something to ponder: what if you could build financial leverage without taking on any debt? Sounds almost too good to be true, right? But the truth is, leverage isn’t just about borrowing money — it’s about using your time, skills, systems, and network to multiply your impact (and your wealth). 💡

Today’s post digs into exactly that — how to build financial leverage without taking on debt. You’ll learn how the wealthiest people grow faster not by doing more, but by setting up systems that work for them.

So as you head into your Saturday, take a moment to ask yourself: What could I put in motion today that keeps working while I rest? Because that’s the quiet secret to lasting wealth — making your effort compound.

— Ryan Rincon, Founder at The Wealth Wagon Inc.

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— Will Rogers

Market Update: The Nasdaq got hammered, plunging -3.56% to $22,204.43, while the S&P 500 wasn’t far behind, sliding -2.71%. The Dow Jones also tumbled -1.90%, making it a rough day for the major indexes as investors hit the brakes hard.

Crypto didn’t escape the carnage either — Bitcoin cratered -5.45% to $115,088.90, taking a heavy hit after recent strength. But interestingly, traditional safe-havens came through — Gold glittered +1.58% to $4,035.50, and Silver shined +0.76%, proving that when markets panic, metals still sparkle.

In the corporate corner, Walmart stayed barely positive at +0.07%, showing resilience amid the sell-off. Roblox climbed +0.29%, a small but solid win, while Palantir took a nasty fall of -5.41%, echoing the tech sector’s pain.

📊 The vibe: A bruising day for stocks and crypto — risk assets took a backseat as investors rotated toward safety. Gold and silver are strutting their stuff while tech takes a timeout. Buckle up — volatility just sent a calendar invite for the week ahead.

Peak Bank offers an all-digital banking experience, providing all the tools and tips you need to make your way to the top. Take advantage of competitive rates on our high-yield savings account and get access to a suite of smart money management tools. Apply online and start your journey today.

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White House slams Nobel panel for overlooking Trump’s peace efforts
BBC reports that the White House criticized the Nobel Committee for not awarding Donald Trump a Peace Prize. Officials argue his administration’s foreign policy achievements, especially Middle East deals, deserved recognition. Critics say the response reflects Trump’s continued focus on personal legacy.

Melania Trump says she collaborated with Putin on child reunification
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Macron reappoints Sébastien Lecornu as France’s prime minister
The New York Times reports French President Emmanuel Macron reinstated Lecornu to ensure government stability. The move follows cabinet reshuffles and political turbulence within Macron’s centrist alliance. Observers say it signals a push for continuity amid upcoming legislative challenges.

Half of U.S. states teeter near or in recession, study shows
Axios reports that 22 states are experiencing economic contraction or stagnation, citing lower hiring and manufacturing slowdowns. Analysts warn regional recessions could undercut national recovery narratives. The report underscores uneven growth across the country’s post-pandemic economy.

Shutdown fallout spreads as economy absorbs weeks of disruption
Bloomberg highlights that the prolonged government shutdown is rippling through multiple sectors, from travel to housing. Economists estimate each week of closure costs billions in lost output. Without a deal in sight, business confidence and consumer spending are expected to weaken further.

Is America’s economy built to withstand major shocks?
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Polymarket token delayed, insiders say it may not launch in 2025
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The media’s obsession with crypto goes through another wild phase
The New York Times examines how coverage of digital assets swings between hype and skepticism. Recent market rallies have reignited both enthusiasm and criticism in equal measure. Analysts say the cycle reflects crypto’s persistent allure — and volatility — in public discourse.

Digital Currency Group expands into asset management through Yuma division
The Block reports DCG has launched Yuma, an investment arm managing two new funds. The firm aims to attract institutional investors seeking exposure to blockchain assets. The move marks DCG’s first major expansion since its restructuring earlier this year.

NSO Group confirms acquisition by U.S. investors amid controversy
TechCrunch reports the spyware maker NSO Group, infamous for its Pegasus software, has been acquired by an American investor consortium. The deal is raising eyebrows due to NSO’s surveillance history. Analysts say U.S. ownership could reshape the company’s regulatory future.

First images reveal Samsung’s redesigned Galaxy Buds 4
Android Authority shares early photos of Samsung’s next-gen earbuds, featuring a sleeker, more compact design. The Buds 4 promise improved audio and adaptive noise control. Launch details remain under wraps, but leaks suggest an announcement before the holiday season.

Microsoft’s Copilot can now handle Gmail and Office docs
The Verge reports Microsoft’s Copilot AI now integrates directly with Gmail and Office apps. Users can compose, summarize, and organize tasks seamlessly across platforms. The update strengthens Microsoft’s position in the growing AI productivity tools race.

Peru’s president ousted amid crime wave and corruption charges
The Washington Post reports Peru’s Congress voted to remove the president over worsening crime rates and alleged graft. The abrupt move plunges the country into yet another political crisis. Protests are already forming as the interim government seeks legitimacy.

Japan’s ruling coalition collapses in blow to new LDP leader
The Financial Times says Japan’s ruling alliance fractured just as new party leader Sanae Takaichi took office. The breakdown complicates efforts to pass economic reforms and maintain stability. Political analysts call it the toughest test yet of her leadership.

Air traffic controllers may hold key to ending U.S. shutdown
ABC News reports that pressure from air traffic controllers, who warn of mounting safety risks, could force Congress toward a resolution. Delays and staffing shortages are worsening nationwide. Lawmakers are scrambling to find a stopgap deal before travel chaos deepens.

When most people hear “leverage,” they immediately think of debt.
Borrowing money, taking loans, or using credit to amplify returns.

And sure — that’s one form of leverage. But it’s not the only one.
In fact, some of the most successful business owners and investors build massive leverage without ever taking on a dollar of debt.

Let’s break down how that actually works.

Leverage is simply using a tool, system, or resource to multiply your output without multiplying your effort.

In other words, it’s how you get more done with the same amount of time.

There are 4 main types of leverage:

The first one (capital) often gets the spotlight.
But the other three can build serious wealth without increasing risk.

If you own or run a business, one of the biggest multipliers you can create is leveraging other people’s time and skill.

That doesn’t necessarily mean hiring a big team or adding overhead.

It could mean:

The goal is simple: get more done by doing less personally.

Think of it this way — if your time is worth $100 an hour, and you can pay someone $25 an hour to handle tasks that don’t generate revenue, you’ve just bought back 75% profit per hour.

That’s leverage.

The wealthiest people don’t always work harder — they work through better systems.

Automation, AI, and smart tools can handle much of the repetitive, low-value work that eats up your time.

Some examples that make a real difference:

Once a system runs on autopilot, you’ve effectively created an employee that never sleeps and never complains.

This might sound soft, but it’s one of the most powerful forms of leverage there is.

Knowledge lets you do what others can’t — or see opportunities others don’t.

It’s not just about learning more — it’s about learning specifically.
Learn what compounds. Learn what solves problems faster. Learn what saves you money or time.

In practical terms:

Knowledge leverage is infinite — the more you use it, the more it multiplies.

Your name can be a form of leverage.

Reputation is an invisible currency that opens doors — partnerships, opportunities, investors, and clients.

You build it by consistently delivering, being reliable, and adding value without expecting instant returns.

In business, reputation can eventually replace marketing.
In investing, it can give you access to deals others never see.
In your career, it can mean being sought after instead of having to apply.

A strong reputation lets opportunities come to you.
That’s the purest form of leverage there is.

Once your systems, knowledge, and reputation are in place, start building assets that produce recurring value.

These could be:

Each asset you build is like hiring a worker that pays you instead of the other way around.

Over time, those assets stack — and that’s where financial independence really begins.

Here’s how this all looks in a real-world sequence:

Each layer builds on the last. None of it requires loans, risk, or debt.

The more layers you build, the more freedom you create — financial, professional, and personal.

We often think wealth is built by having more money to start with.
But in reality, it’s built by using the same 24 hours differently.

You don’t need more capital to create leverage. You just need better systems, better thinking, and better use of what you already have.

The smartest people in business and investing don’t just make money — they design a life where money and systems work for them.

And that’s how real, sustainable wealth gets built.

Why did the PowerPoint presentation cross the road?
To get to the next slide! 😎📊

I’m tall when I’m young, and short when I’m old. What am I?

This company started as a fax directory business, later pivoted to digital maps, and was eventually acquired by Google in 2004.

In 1987, the Dow Jones Industrial Average hit a record high — just eight days before Black Monday, the largest single-day market crash in history. Proof that calm waters don’t mean smooth sailing. ⛈️

*Answers at the bottom

Riddle - Answer: A candle 🕯️

Guess the Company - Answer: Keyhole Inc., which became Google Earth 🌍