September 29, 2025

Welcome Back,

Happy Monday, everyone!
Good morning ☀️—new week, new energy, and maybe just enough coffee to fuel some ambitious ideas.

Let me ask you this: have you ever jumped into a side hustle just because it sounded exciting, only to realize halfway through that it wasn’t what you thought? (Kind of like ordering the “chef’s surprise” at a restaurant and regretting it after the first bite 🍲🙃).

That’s why today’s post is all about how to evaluate a side hustle before you waste time or money. Because the truth is, not all extra-income ideas are created equal—some are stepping stones, some are sinkholes.

Think of it like dating: before you commit, you want to know if it’s going to be worth your time, energy, and attention. A good side hustle should add freedom, not stress.

So here’s your Monday reminder: your time is valuable, your energy is limited, and your money deserves a plan. Choose wisely, and the right side hustle can open doors you didn’t even know existed 🚪.

Let’s dive in.

Ryan Rincon, Founder at The Wealth Wagon Inc.

Quote of The Day

“The secret of change is to focus all of your energy, not on fighting the old, but on building the new.”

Socrates

Politics

Nagi Usamo / Flickr

Bob Iger, Hollywood’s statesman, faces political education in D.C.
Disney CEO Bob Iger, long seen as a corporate leader, is now navigating Washington politics. His dealings with Congress highlight how entertainment intersects with policy. The shift tests Iger’s ability to manage both business and political pressures.

Schumer: ‘No faith in Trump’s judicial system’ after indictment
Senate Majority Leader Chuck Schumer criticized Trump’s judicial system following James Comey’s indictment, calling it politically compromised. Schumer warned that the case deepens mistrust in the justice system. His remarks add pressure as Congress faces other critical issues.

‘Backdoor’ funding cuts possible as Trump faces shutdown threat
Lawmakers are raising alarms over potential hidden budget cuts by the Trump administration. As the risk of a government shutdown grows, agencies worry about losing crucial resources. Negotiations remain tense with little progress toward compromise.

Personal Finance

Amex Business Platinum praised as top premium traveler card
Experts say the American Express Business Platinum remains the best option for frequent travelers. Its perks include luxury lounge access, generous rewards, and strong protections. While expensive, the card continues to appeal to high-spending business users.

Social Security and VA benefits adjust: What recipients must know
New schedules are rolling out for Social Security and VA benefits. Recipients should prepare for slight changes in how and when payments arrive. Officials say the updates are meant to improve efficiency and reduce delays.

Gold forecast eyes breakout as markets await job report data
Analysts predict gold could push past $3,791.26 if jobs data disappoints. Traders are watching closely for signs of economic slowdown. Stronger job numbers could instead cap prices, making the outcome pivotal for investors.

Technology

Apple tests ‘Veritas’ chatbot to boost Siri AI performance
Apple is trialing an employee-only chatbot called Veritas, aimed at improving Siri. The tool reportedly helps refine conversational AI and advanced responses. If successful, it could reshape Apple’s AI strategy ahead of future product launches.

Apple Stores adopt new measures against iPhone 17 scratches
With reports of scratches on the new iPhone 17, Apple is stepping up. Retail locations are adjusting handling procedures and offering protective options. The company aims to reassure customers about durability concerns.

Outward 2 confirmed for summer 2026 launch release
Game developer Gematsu announced Outward 2 will release in summer 2026. The RPG sequel promises an expanded world and improved mechanics. Fans are already buzzing with anticipation for its long-awaited debut.

Economy

Chinese industrial profits rebound sharply in August after earlier slump
China reported a significant rise in industrial profits, reversing recent declines. The rebound was driven by manufacturing and government support measures. Analysts say it offers hope, but challenges to long-term growth remain.

Hawai‘i report forecasts possible local recession amid U.S. slowdown
UHERO economists predict Hawai‘i could slip into recession if U.S. growth weakens. Tourism dependence and global market risks heighten local vulnerabilities. State leaders are urged to prepare contingency plans.

Thune: Farmers may require bailout due to tariff fallout
Senator John Thune warned that farmers will likely need another bailout. Tariff impacts have cut into agricultural exports, hurting rural communities. Lawmakers face pressure to provide relief ahead of next year’s planting season.

Business/Retail

58M pounds of corn dogs recalled for possible contamination
Nearly 58 million pounds of corn dogs and sausage-on-a-stick have been recalled. The recall comes after wood fragments were discovered in some products. Regulators urge consumers to check packaging and avoid affected batches.

Stock market fears shutdown, calling it last thing investors need
Market analysts warn a government shutdown could spook investors. Uncertainty already clouds the economy, and new disruptions could hit growth. Experts say stability is key to maintaining fragile confidence.

Albertson’s recalls deli items in Colorado over listeria risk
Albertson’s has pulled multiple deli products from shelves after possible listeria contamination. The recall affects several Colorado locations, with officials urging caution. No illnesses have been confirmed yet, but investigations continue.

Today’s Snapshot

How to Evaluate a Side Hustle Before You Waste Time or Money

Let’s be real: everybody and their cousin seems to have a “side hustle” these days. Some people are printing money with them. Others? They’re just burning weekends and wondering why they didn’t stick with Netflix.

So how do you tell the difference between a side hustle worth your time — and one that’ll suck the energy out of you without giving much back?

Step 1: Check the ROI (Return on Investment — of Time)

Before you jump into anything, ask:

  • How much money can this realistically make per month?

  • How many hours will it take to get there?

  • Is it scalable, or will it always be limited to the hours you put in?

Example: Driving Uber might give you cash fast, but your income is tied to your hours. Building a small digital product might take longer to set up, but it can earn while you sleep.

Step 2: Align It With Your Skills

A hustle works best when it overlaps with what you’re already good at.

  • If you’re good at sales → try consulting, freelancing, or flipping products.

  • If you’re creative → digital design, content creation, or even niche newsletters.

  • If you’re analytical → investing, data consulting, or research gigs.

Starting from scratch in an area you know nothing about? That’s a steeper (and often discouraging) climb.

Step 3: Low Overhead, High Upside

The best side hustles don’t require you to mortgage your house to get started.

Ask yourself:

  • What’s my upfront cost? (cash, time, learning curve)

  • What’s my break-even point? (when it starts paying for itself)

  • Is the upside big enough to justify the grind?

Step 4: Test Demand Before You Go All-In

This is where most people fail — they build something no one actually wants.

  • Sell the idea before you build it (pre-orders, waitlists, mock-ups).

  • Talk to 5–10 potential customers and ask if they’d pay for it.

  • Do a small trial run before investing in tools, websites, or ads.

If no one bites, pivot. Don’t cling to sunk costs.

Step 5: Ask the “Freedom Question”

Here’s the kicker: does this hustle move you closer to financial independence, or just give you another job?

A useful hustle should either:

  • Build skills you can leverage in your career/business.

  • Generate income that you can reinvest.

  • Free up your time in the long run (automation, outsourcing, or scalability).

If it doesn’t check one of those boxes, it might not be worth pursuing.

Quick Examples of Solid Side Hustles

  • Freelancing in your current industry (highest ROI on your skills).

  • Creating a niche digital product (ebook, template, course).

  • Small-scale reselling or flipping (low start-up, quick proof of concept).

  • Dividend stocks or cash-flow investments (slow build, but scalable).

  • Content creation in a specific niche (long-term play with leverage).

Final Thought

The right side hustle isn’t just about making a few extra bucks. Done right, it’s a training ground for entrepreneurship, a cash engine for investing, and a bridge toward financial freedom.

Don’t chase what’s trendy. Choose the hustle that aligns with your skills, gives you leverage, and actually fits your long-term goals.

Because the best hustle isn’t the one that keeps you “busy” — it’s the one that gets you free.

Fun Stuff

🏢 Guess the Company Trivia

This company started in a garage in Palo Alto in 1939, often considered the birthplace of Silicon Valley, and makes computers, printers, and servers.

📜 Financial History – On This Day

On September 29, 2008, the U.S. stock market suffered its largest single-day point drop in history (at the time) after Congress rejected the bank bailout plan. 📉

🤯 Wild & Wacky Business Fact

In 1999, PayPal started as a company that let people “beam” money between PalmPilots before pivoting into the digital payment giant we know today. 💳📲

❓ Would You Rather

Would you rather have unlimited startup capital but no mentors, or world-class mentors but limited funding to launch your idea?

*Answers at the bottom

Thought of The Day

Success is rarely about timing alone. It’s about creating momentum by taking action. The more you act, the more opportunities you forge.

Answers

Guess the Company - Answer: Hewlett-Packard (HP) 💻

Reply

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

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.

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.

Reply

or to participate

Keep Reading

No posts found