October 15, 2025

Happy Wednesday, everyone! 🌞

Good morning! I hope your week’s been going smoothly and you’re finding your rhythm — maybe even with a little extra pep in your step today. Wednesdays are funny — they’re not quite the weekend, but they’re the perfect checkpoint to pause, refocus, and realign with what actually matters.

Here’s a thought for today: what if you could start thinking — and acting — like an owner, even if you’re not one (yet)? 🧠

Because ownership isn’t just about titles or business cards. It’s a mindset — the way you make decisions, take responsibility, and see the big picture. Whether you’re an employee, freelancer, or founder, thinking like an owner changes everything — your confidence, your income, and your freedom.

That’s exactly what today’s post is about — how to think like an owner (even if you’re an employee). You’ll learn how to build ownership thinking into your daily life, no matter where you are right now.

So take that sip of coffee, stand tall, and start your day with this reminder: ownership starts in your mind long before it shows up in your bank account.

— Ryan Rincon, Founder at The Wealth Wagon Inc.

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— Debbi Fields

Market Update: The Nasdaq drifted down -0.76% to $22,521.70, and the S&P 500 followed with a smaller -0.16% dip. In contrast, the Dow Jones managed to stay upbeat, rising +0.44% to $46,270.46, thanks to strength in select industrials and retail names.

Crypto took another breather — Bitcoin fell -1.91% to $113,063.30, as profit-taking set in after last week’s surge. Commodities painted a mixed picture: Gold climbed +0.67% to $4,160.80, while Silver slipped -0.22%, suggesting investors are balancing safety with liquidity.

On the corporate side, Macy’s popped +2.18% to $17.83, signaling confidence in consumer discretionary spending. OpenDoor skyrocketed +5.09%, making it the day’s standout performer amid housing market optimism. On the downside, Meta slid -0.99% to $708.65, weighed by ongoing tech sector volatility.

📊 The takeaway: The markets felt cautious — tech cooled off, crypto stumbled, but retail and real estate names carried the day. Investors seem to be rotating into value and tangible assets while keeping one foot on the brake.

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There’s a quiet shift happening in the professional world —
the people who think like owners are pulling ahead of those who just act like employees.

It doesn’t matter if you run a company or work at one — ownership thinking is the difference between making a living and building wealth.

Let’s talk about what that means — and how to start applying it in real life.

Most people were trained to think like employees.
You exchange time for money. You do your job, follow the system, and wait for raises or promotions.

Owners think differently:

Here’s a quick example:

An employee says,

“That’s not my job.”

An owner says,

“If this process were mine, how would I make it faster, cheaper, or more effective?”

That’s the mental shift that turns a high performer into a future entrepreneur or executive.

Employees see salary. Owners see margin.

Start looking at your work like a business:

Once you start viewing your work this way, you’ll see where your energy is being wasted — and where you’re truly creating value.

This is exactly how top performers decide when to change jobs, start businesses, or invest in themselves — not based on comfort, but based on ROI.

One of the biggest traps in modern careers is chasing higher pay without building ownership.

You can have a great income and still feel stuck because income stops when you stop working.

Owners build equity — value that compounds even when they’re not working.

That can mean:

If your career doesn’t naturally give you ownership, create it elsewhere.
Start small — even a single investment or side business builds the habit of owning instead of just earning.

Employees think in effort. Owners think in systems.

Ask yourself regularly:

This is how business owners scale — but the same principle applies to anyone.

Example:

You stop being paid only for time — and start being paid for structure.

Here’s a lesson many wealthy people learn early:
Looking rich and being rich are opposites.

An owner focuses on cash flow — how much money their assets and systems generate every month.
An employee often focuses on status — how expensive their lifestyle looks.

Cash flow builds freedom.
Status builds pressure.

Whether it’s personal spending or business reinvestment — the more of your income you keep and compound, the more leverage you gain later.

Owners rarely think in black-and-white.
They think in probabilities and trade-offs — just like investors.

Every big decision you make (career, business, investment) should be weighed like this:

If the upside is meaningful and the downside is survivable — that’s a smart risk.

The people who build wealth aren’t fearless — they’re just good at sizing bets.

The owner’s mindset is long-term by default.

Employees think about their next raise.
Owners think about their next decade.

They invest in assets, relationships, and skills that compound.
They focus on building engines that make future decisions easier, not harder.

Here’s the beauty of it:
You don’t need to quit your job or start a business tomorrow to think this way.
You just need to start acting like your time and decisions are capital.

When you think like an owner, everything you do — your job, investments, habits — starts building toward something that lasts.

Ownership isn’t just about holding shares or starting a company.
It’s a way of seeing the world.

You stop asking, “What do I get for my time?”
And start asking, “What am I building with my time?”

The people who make that shift — whether they’re employees, freelancers, or founders — eventually find themselves on the other side of the wealth gap.

Because at some point, they stopped working in someone’s system…
and started building their own.