September 28, 2025

Happy Sunday, everyone!
Good morning 🌞—I hope your weekend is treating you kindly (bonus points if brunch or an afternoon nap is on your agenda 🥞😴).

Here’s a question for you: what gives you more peace of mind—knowing you’re building wealth for the future, or knowing you’ve got a safety net if life throws a curveball? The truth is, we need both.

That’s why today’s post is about the balancing act: how to build an emergency fund without slowing down your investing. Think of it like walking a tightrope—you want the thrill of forward momentum but also the net below you just in case.

The good news? You don’t have to choose. With the right approach, you can grow your wealth and protect it at the same time.

So today’s thought for you: safety and growth aren’t enemies—they’re teammates. One makes sure you stay in the game, the other makes sure you win it. 🏆

Enjoy your Sunday, and let’s dig into how to pull this off.

— Ryan Rincon, Founder at The Wealth Wagon Inc.

— Steve Jobs

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Bitcoin may gain boost if Novogratz becomes next Fed chair
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Kickflips for crypto: Guinness record attempt worth $28,000
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Bitcoin chart turns bearish as traders brace for next move
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Most people think of emergency funds as boring — something your grandma nags you about. But here’s the truth: without one, even the smartest investor or business owner can get wiped out by one bad month.

And no, this isn’t just about “saving money.” It’s about building financial armor so you can keep playing the wealth-building game without fear of a single setback knocking you off track.

A lot of corporate employees, business owners, and even seasoned investors skip this step because they think:

But life doesn’t care how much you earn or what you’ve invested in. A medical bill, a slow business quarter, or a surprise layoff can hit anyone.

An emergency fund isn’t about being cautious — it’s about buying freedom and confidence.

Forget the generic advice. Here’s how to think about it:

The goal is safety + accessibility.

Pro tip: Don’t invest your emergency fund in stocks or crypto. That’s not an emergency fund — that’s gambling with your safety net.

Here’s the balancing act — you don’t want to stop investing for years while saving.

Think of it as a foundation: strong enough to protect you, but not so big that it drags your growth.

Imagine two investors:

Same skill level, same income. Different result — just because one built a safety net.

Your emergency fund isn’t about “playing it safe.” It’s about protecting your ability to take risks.

When you know your back is covered, you can invest aggressively, take business risks, and move with confidence — because a bad week won’t turn into a financial disaster.

Build the fund. Then invest harder.

On September 28, 1928, the Federal Reserve Bank of New York completed its construction, housing the largest known stockpile of gold reserves in the world. 🪙

In 2011, a man in China actually sold his kidney to buy an iPhone and iPad. Technology obsession can truly go too far! 📱😳

Would you rather own a business that grows slowly but steadily over 30 years, or one that grows fast but could collapse in 5?

A farmer has 17 sheep. All but 9 run away. How many sheep does he still have?

*Answers at the bottom

Brain Teaser - Answer: 9 sheep 🐑

Looking for a way to generate an additional $5,000 per month in income, reply with the word “Course” and will send you over our free course guide teaching you exactly how to build wealth and generate income.

Why? Our job is to help you achieve financial freedom through wealth building and we believe that this can help you do just that. - Ryan Rincon