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October 3, 2025
Welcome Back,
Happy Friday, everyone!
Good morning 🌞—hope you’re rolling into today with a little extra energy (and maybe an extra coffee in hand ☕). Fridays have that magic mix of “let’s wrap things up” and “weekend is calling,” don’t they?
Here’s a thought to kick things off: buildings don’t stand tall because of fancy windows or shiny rooftops—they stand because of strong pillars holding everything together. Wealth works the same way. You don’t need a hundred hacks or secret formulas—you just need the right pillars, sturdy enough to hold everything else.
Today’s post dives into exactly that: the four pillars of building wealth that actually lasts. Think of it as the blueprint to financial stability, the kind that doesn’t wobble when life throws a curveball.
Because here’s the truth: wealth that lasts isn’t about luck, timing, or even the latest hot trend—it’s about building a foundation solid enough to weather any storm.
So let’s talk about those pillars—and how you can start stacking them in your own financial life.
— Ryan Rincon, Founder at The Wealth Wagon Inc.
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Quote of The Day
“You must do the things you think you cannot do.”
— Eleanor Roosevelt
Market Update
*Market data represents the most recent market close at 5:00pm ET
Market Update: The Nasdaq pulled ahead with a +0.39% climb to $22,844.05, keeping the tech-heavy index buzzing along. The S&P 500 barely budged but managed a +0.06% nudge higher at $6,715.35, while the Dow Jones added a soft cushion of +0.17%, resting at $46,519.72.
Crypto sparkled today as Bitcoin jumped +1.44% to $120,390.70, proving once again it loves to grab the spotlight. Over in commodities, Gold ticked up +0.33% to $3,880.80 while Silver shimmered with a +1.08% gain, hitting $46.87.
In the stock world, Intel had the biggest breakout of the day, soaring +3.78% to $37.30, showing investors some serious strength. On the flip side, JP Morgan dipped -1.02% to $307.55, while Kraft slipped -0.80% to $26.07, perhaps weighed down by less-than-cheesy investor sentiment.
👉 A mix of steady climbs, crypto excitement, and a couple of corporate stumbles—today’s markets remind us that momentum can shift quickly!
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Today’s Snapshot
The Four Pillars of Building Wealth That Lasts
When most people think “wealth,” they picture big investment portfolios, flashy cars, or passive income streams. But here’s the thing: wealth isn’t built by accident. It’s built intentionally, and usually around four main pillars. If you ignore one, your foundation gets shaky.
Let’s break it down — step by step, without fluff.
1. Income: The Fuel for Everything
Wealth starts with income. The more you make, the faster you can build. But here’s the part people forget: your income type matters.
Earned Income: Salary, wages, consulting fees. Great for getting started, but taxed the heaviest.
Business Income: Profits from a company or side hustle. More scalable, sometimes more tax-efficient.
Investment Income: Dividends, interest, rent. This is where money starts working harder than you do.
Capital Gains: Selling assets (stocks, real estate, businesses) at a profit.
👉 Action Step: Audit where your income is coming from right now. If 100% of it is your job, that’s fine — but think about how to start building at least one other stream.
2. Savings: Turning Income Into Capital
It’s not what you make — it’s what you keep.
High earners with poor savings habits stay broke. Wealthy people think in terms of capital accumulation. That’s just a fancy way of saying: set aside chunks of money that can be deployed into opportunities.
Key Rules:
Pay yourself first: 15–30% of income (before lifestyle spending).
Automate savings so you don’t have to rely on willpower.
Store cash in high-yield savings accounts, money markets, or T-bills until you’re ready to invest.
👉 Action Step: Decide your “wealth tax” — the percentage of income that automatically gets saved before you touch it.
3. Investments: Making Capital Work
Once you’ve got savings, it’s time to put money to work. This is where compounding kicks in.
Different vehicles, different timelines:
Stocks & ETFs → Long-term growth, liquid, accessible to everyone.
Real Estate → Cash flow, appreciation, tax perks, leverage.
Businesses (yours or others) → High risk, but potentially the fastest wealth builders.
Alternative Assets → Private equity, crypto, collectibles — fine, but don’t skip the basics first.
👉 Action Step: Have a simple allocation plan. Example: 60% broad-market index funds, 20% real estate, 10% speculative bets, 10% cash buffer. Adjust to your risk tolerance.
4. Systems: Protecting and Scaling Wealth
The part most people ignore — until it hurts.
If you want wealth that lasts, you need systems:
Tax Planning: Use retirement accounts, business structures, and deductions. The less tax you pay, the more you compound.
Asset Protection: Insurance, trusts, LLCs. Protect against lawsuits and unexpected disasters.
Estate Planning: Wills and succession plans — so wealth doesn’t die with you.
Reinvestment: Automate contributions back into investments instead of leaving cash idle.
👉 Action Step: Meet with a tax strategist or estate planner once you cross six figures in net worth. It’ll save you money (and headaches).
Putting It All Together
Wealth building isn’t a mystery. It’s a loop:
Grow your income.
Save a chunk of it.
Invest those savings.
Protect and scale with systems.
Rinse. Repeat. Compound.
Final Thought
Everyone’s chasing “passive income hacks” or quick flips. But the people who actually end up wealthy? They built around these four pillars. No shortcuts, no lottery tickets — just consistent moves stacked over years.
The good news? You don’t need to be a millionaire to start. Whether you’re making $50K or $500K, the same framework applies. The earlier you get these four working together, the faster your wealth-building engine runs.
Fun Stuff
❓ Riddle of the Day
I have branches, but no fruit, trunk, or leaves. What am I?
📅 Financial History — This Day
October 3, 2008: President George W. Bush signed the Emergency Economic Stabilization Act, approving the $700 billion bailout to rescue U.S. banks during the financial crisis.
🤯 Wild & Wacky
In Japan, there are more vending machines than people in New Zealand — over 4 million machines selling everything from hot ramen to umbrellas.
🧩 Brain Teaser
A man buys a horse for $60. He sells it for $70. He buys it back for $80. Then sells it again for $90.
How much profit did he make?
*Answers at the bottom
Thought of The Day
In business and in life, every decision compounds. Small consistent actions — whether habits, investments, or risks — often create the largest returns over time.
Answers
Riddle - Answer: A bank.
Brain Teaser - Answer: $20 profit.
That’s All For Today
I hope you enjoyed today’s issue of The Wealth Wagon. If you have any questions regarding today’s issue or future issues feel free to reply to this email and we will get back to you as soon as possible. Come back tomorrow for another market update, and snapshot. I hope to see you. 🤙
— Ryan Rincon, CEO and Founder at The Wealth Wagon Inc.
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Disclaimer: This newsletter is for informational and educational purposes only and reflects the opinions of its editors and contributors. The content provided, including but not limited to real estate tips, stock market insights, business marketing strategies, and startup advice, is shared for general guidance and does not constitute financial, investment, real estate, legal, or business advice. We do not guarantee the accuracy, completeness, or reliability of any information provided. Past performance is not indicative of future results. All investment, real estate, and business decisions involve inherent risks, and readers are encouraged to perform their own due diligence and consult with qualified professionals before taking any action. This newsletter does not establish a fiduciary, advisory, or professional relationship between the publishers and readers.
