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September 5, 2025

Welcome Back,

Happy Friday, everyone!
Good morning 🌞—you made it to the end of the week! Whether you’re wrapping things up with full focus or already half in weekend mode (no judgment), today’s a great day for a little perspective shift.

Here’s a fun thought: the fastest wealth builders usually aren’t chasing the hottest stock or the newest crypto coin. Instead, they’re mastering a hidden skill—one that multiplies every dollar they touch faster than any single investment ever could.

That’s exactly what today’s post is about: The Hidden Skill That Builds Wealth Faster Than Any Investment. Spoiler—it’s not about luck or genius. It’s about learning how to use leverage in ways most people overlook.

So, let’s wrap this week with something better than a hot tip: a skill that can pay you back for the rest of your life. 🚀

Ryan Rincon, Founder at The Wealth Wagon Inc.

Quote of The Day

“Don’t let the fear of losing be greater than the excitement of winning.”

Robert Kiyosaki

Market Update

*Market data represents the most recent market close at 5:00pm ET

Market Update: The markets are serving up a real mixed bag today! 📊

Tech-heavy Nasdaq powered ahead with a +0.98% climb, joined by the S&P 500 (+0.83%) and the Dow Jones (+0.77%), all flashing green and giving Wall Street a confidence boost. But digital darling Bitcoin lost a little sparkle, slipping -0.13% to $111,603.40, while safe-haven metals weren’t much safer—Gold dipped -0.26% and Silver slid -0.38%.

On the corporate side, Visa squeaked out a tiny gain at +0.034%, barely moving the needle, while Robinhood had a stronger showing, jumping +2.07% as retail trading momentum carried it higher. And in the big winners’ circle, Baidu surged +1.88%, proving Chinese tech still has plenty of punch.

So, while the indexes are smiling, the metals are sulking, and Bitcoin’s taking a breather—Robinhood and Baidu are today’s underdog heroes keeping things lively. ⚡

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Politics

Vance backs off immediate National Guard deployment to Chicago
Senator J.D. Vance has clarified that there are “no immediate plans” to send the National Guard into Chicago despite rising concerns about crime. His statement comes after speculation that federal intervention might be imminent. While the idea isn’t off the table entirely, Vance suggested that other solutions should be considered first. For now, Chicago leaders are left juggling local strategies as federal action simmers in the background.

Democratic senator says intel meeting canceled amid security clash
A Democratic senator revealed that a classified intelligence meeting was abruptly canceled after disagreements erupted over what information should be shared. The cancellation has stirred questions about transparency and security within the government. Lawmakers are now calling for answers as tensions mount between branches of authority. The episode highlights how political infighting is spilling into national security matters.

HHS staffers call for RFK Jr.’s resignation over health stance
Employees at the Department of Health and Human Services are demanding that RFK Jr. resign, saying his positions are “compromising the health of this nation.” Their letter cites concerns about his controversial views on vaccines and public health policy. The move underscores the deep divisions between federal staffers and the administration’s leadership. Whether the pressure will force RFK Jr.’s hand remains to be seen.

U.S.

Imports rise in July, signaling rebound despite trade troubles
U.S. imports jumped in July, offering a surprising boost after months of trade-related turmoil. The numbers suggest that businesses and consumers are regaining momentum, even as tariff and supply chain issues linger. Economists say this could help cushion the broader economy against global slowdowns. Still, the rebound might be fragile if political disputes over trade escalate again.

U.S. faces stark split on COVID vaccinations nationwide
The nation is heading into fall facing two very different vaccination realities. Some regions are seeing strong uptake and high levels of protection, while others lag far behind, leaving millions vulnerable. Experts warn this divide could drive another wave of hospitalizations. The uneven rollout is reigniting debates about public health messaging and vaccine policy.

Venezuela, drug boats, and Trump’s latest explosive claim
Donald Trump claimed that U.S. forces attacked a boat carrying Venezuelan gang members, killing 11 people. The statement has drawn scrutiny from lawmakers and international observers, who are demanding more details. The incident, if confirmed, could have major implications for U.S.-Venezuela relations. It also adds a dramatic twist to Trump’s already tense foreign policy record.

Digital Currencies

North Korean hackers pose as recruiters to steal crypto
A new report warns that North Korean hackers are using fake job postings to lure victims and steal cryptocurrency. By posing as recruiters, the hackers trick people into downloading malicious software. The scams are part of a broader campaign to funnel money into Pyongyang’s weapons program. Cybersecurity experts are urging companies and job seekers alike to stay vigilant.

U.S. Bancorp revives bitcoin custody service for institutions
U.S. Bancorp is stepping back into the crypto world by reintroducing its bitcoin custody service for large investors. The move comes after a pause during regulatory uncertainty and market volatility. Now, with renewed demand from institutions, the bank is betting on crypto as part of its long-term strategy. This signals that traditional finance isn’t done with digital assets just yet.

Bitcoin could rise as dollar wobbles and yields climb
Analysts say bitcoin may benefit from a shaky dollar and rising bond yields. Investors often look to crypto as a hedge when traditional markets become volatile. Recent price action suggests traders are watching global economic shifts closely. If current trends continue, bitcoin could see renewed strength after months of turbulence.

Finance

Dollar holds steady as traders eye weak job market
The U.S. dollar is holding firm, buoyed by signs of a softer labor market that could influence Federal Reserve policy. Traders are betting that weaker jobs data will increase the odds of interest rate cuts. This has fueled cautious optimism in foreign exchange markets. Still, the global economic outlook remains uncertain, keeping volatility high.

Healthcare costs keep climbing, workers brace for burden
A new analysis shows that health care costs for American workers are continuing to rise, outpacing wages in many industries. Families are being forced to adjust budgets as premiums, deductibles, and drug prices increase. Experts warn that the strain could deepen economic inequality. With no immediate policy fixes in sight, many households are left scrambling.

Trump-linked American Bitcoin plunges 16% in Nasdaq debut
The much-hyped American Bitcoin project, backed by Donald Trump, stumbled badly in its Nasdaq debut, dropping 16% on its first day. Supporters had hoped the launch would mark a turning point for pro-Trump crypto initiatives. Instead, the rocky start has raised doubts about its long-term viability. The project will need a quick rebound to win investor confidence.

Business/Tech

JetBlue picks Amazon’s Kuiper for faster in-flight Wi-Fi
JetBlue has chosen Amazon’s Project Kuiper to provide next-generation, free in-flight Wi-Fi. The move aims to give passengers faster, more reliable service compared to existing satellite options. Analysts say the deal could give JetBlue an edge in the competitive airline market. It also marks a major win for Amazon’s growing satellite internet ambitions.

Orsted sues to save offshore wind project from Trump axe
Energy giant Orsted has filed a lawsuit to block the Trump administration from canceling a major offshore wind project. The company argues that the project is vital for clean energy goals and job creation. The case could set a precedent for how future administrations handle renewable energy development. For now, the fate of the turbines lies in the courts.

Google stock hits record high as antitrust fears fade
Alphabet shares soared to an all-time high after regulators signaled a lighter touch on antitrust scrutiny. Investors cheered the news, betting that Google’s dominance in search and advertising will remain intact. The rally added billions to the company’s market value in a single day. Critics, however, warn that unchecked power could stifle competition in the long run.

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Today’s Snapshot

The Hidden Skill That Builds Wealth Faster Than Any Investment

If I handed you $10,000 today, what would you do with it?

  • Stocks?

  • Real estate?

  • Crypto?

  • Blow it on a vacation (hey, no judgment)?

Here’s the truth: most people jump straight to where to put money. But the real accelerator of wealth isn’t a specific asset class. It’s something more fundamental — a skill.

And that skill is capital allocation.

Sounds fancy, but don’t worry — I’ll break it down in plain English. And once you “get it,” you’ll start seeing opportunities (and mistakes) everywhere.

💡 What’s Capital Allocation (Without the MBA Jargon)?

At its core, capital allocation is simply deciding where your money goes to get the highest return with the least risk.

Businesses do it all the time:

  • Should we reinvest profits into new products?

  • Buy back stock?

  • Pay down debt?

  • Acquire a competitor?

Guess what? You’re the CEO of your own money.

Every dollar you control is like an employee. Some will work overtime and bring you more dollars. Others will sit around eating chips on the couch (looking at you, high-interest debt).

Your job? Put those dollars to work in the smartest way possible.

🔑 The 5 Places Your Money Can Go

Here’s where personal capital allocation gets interesting. You basically have five main “buckets” you can pour money into:

  1. Paying Off Debt

    • High-interest debt = guaranteed negative return.

    • Paying it off is like earning 15–20% instantly.

  2. Investing in the Market

    • Stocks, ETFs, bonds, index funds.

    • Over time, historically ~7–10% annual return.

  3. Investing in Yourself

    • Courses, mentors, certifications, health, mindset.

    • This bucket often gives the highest ROI, especially early in your career/business.

  4. Building or Growing a Business

    • Could be a side hustle or scaling an existing company.

    • Riskier, but returns can dwarf traditional investing.

  5. Lifestyle & Experiences

    • Travel, family, memories.

    • Doesn’t compound financially, but compounds in happiness and energy.

Smart capital allocators balance these buckets differently at different stages of life.

🎯 How to Think Like a Capital Allocator

Here’s a simple framework you can use — whether you’re a corporate exec, a business owner, or just starting out.

Step 1: Identify ROI by Stage

  • If you’re young or still building career skills → investing in yourself has the highest ROI.

  • If you’re sitting on debt at 18% APR → paying it down beats stocks every time.

  • If you’re already wealthy → business or investments might move the needle most.

Step 2: Compare Opportunity Costs

Ask: If I put $1,000 here instead of there, what am I giving up?

  • $1,000 into crypto might triple.

  • $1,000 into debt payoff saves you guaranteed interest.

  • $1,000 into a course could raise your income for decades.

There’s no “right” answer. Just trade-offs.

Step 3: Adjust as You Grow

Your allocation strategy should evolve:

  • Early career: Focus on skills + debt payoff.

  • Mid-career/business growth: More into investments + business scaling.

  • Later stages: Preservation, income generation, legacy.

🏆 Real-Life Example: The Two Friends

Let’s make it real.

  • Alex makes $100k/year, invests 100% of his savings into the stock market.

  • Jordan makes $100k/year, but splits: pays down debt, invests in a sales course, and seeds a small side business.

Fast-forward 5 years:

  • Alex doubled his portfolio but still earns $100k.

  • Jordan wiped out debt, now earns $150k from his career, plus $30k/year from a side hustle.

Who’s ahead? Jordan. Why? Because he allocated capital across different return streams, not just one.

⚡ Quick Wins: Where to Put Your Next $1,000

Here’s a little cheat sheet you can apply immediately:

  • Have credit card debt? → Pay it off first.

  • No debt and under 30? → Invest in a skill or certification that increases your income.

  • Solid income + emergency fund in place? → Start dollar-cost averaging into index funds.

  • Business owner? → Test a new acquisition channel (ads, partnerships, content).

  • Already wealthy? → Focus on diversification, tax efficiency, and income streams.

👀 Why This Matters More Than Ever

We live in a time of uncertainty. Markets swing, AI changes careers, interest rates spike.

The people who thrive aren’t just “good investors.” They’re capital allocators. They know how to make smart money decisions across different opportunities, adjusting as the world shifts.

That’s a superpower in business, investing, and life.

Final Thought

Every dollar has a job.

Some should build your future. Some should buy back your freedom. Some should fuel experiences that remind you why you’re doing all this in the first place.

The point isn’t to pick the “perfect” allocation. It’s to start thinking like the CEO of your own balance sheet.

So next time money comes in — paycheck, bonus, side hustle income, whatever — pause and ask:

👉 “Where will this dollar work hardest for me right now?”

Master that question, and you’ll never look at money the same way again.

Fun Stuff

😂 Funny Joke

Why did the banker break up with the calendar?
Because he felt she was just checking dates! 📅💸

📆 This Day in Financial History

On September 5, 1977, NASA launched Voyager 1, which carried the famous “Golden Record.” Beyond science, the project became a symbol of U.S. innovation, fueling billions in aerospace industry investment. 🚀

🤯 Wild & Wacky Business Fact

In Iceland, there’s a company that rents elves and trolls (actors in costume) for corporate events — and yes, they’re booked months in advance. 🧝‍♂️💼

⚖️ Would You Rather…

Would you rather:

  • Have perfect knowledge of one industry for life, or

  • Have average knowledge across all industries but unlimited networking connections?

*Answers at the bottom

Thought of The Day

Money is a tool, not the destination. The true reward lies in the freedom it buys and the choices it creates for your life.

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.

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