June 18, 2025

Welcome Back,
Happy Wednesday, everyone! 🌞
Good morning! You’ve made it to the middle of the week—where ambition meets “is it Friday yet?” Either way, you’re doing great.
So here’s a fun twist: building wealth isn’t just about spotting opportunities... it’s about knowing which ones to ignore.
Today we’re talking about the underrated superpower of the wealthy: Opportunity Filtering. It’s the ability to say “no thanks” to 97 shiny distractions so they can say “heck yes” to the 3 that actually matter. 🧠🚦
Let’s explore how to sharpen that skill—because sometimes, your future depends more on what you don’t chase than what you do.
“Every time you make a rule, you take away a choice.”
— Peter Drucker
Productivity isn’t about doing more — it’s about doing what matters most, first.
In life and business, are you optimizing for activity… or impact?
— Ryan Rincon, CEO and Founder at The Wealth Wagon Inc.
Market Update

*Market data represents the most recent market close at 5:00pm ET
Market Update: Markets pulled back today as the Nasdaq dropped 0.91%, and the S&P 500 and Dow Jones also closed lower. Gold dipped slightly, while silver posted a modest gain. Bitcoin was one of the few bright spots, rising 0.41%. In equities, Tesla and Nike both saw sharp declines, down 3.90% and 3.07% respectively, while PayPal fell 2.20%. Overall, risk-off sentiment weighed heavily across sectors despite some strength in crypto and metals.
Markets
U.S. Dollar Strengthens as Safe-Haven Flows Return

Flight to Quality Amid Geopolitical Instability
The U.S. dollar has firmed up against key currencies like the yen and Swiss franc as investors flock back to safe-haven assets amid renewed tensions in the Middle East.
With the Fed expected to hold rates steady, traders are pricing in elevated geopolitical risk, reinforcing the dollar’s role as a “hard currency”—a global benchmark in turbulent times .
Key Impacts:
Currency Movements: USD gains indicate investor caution, while the yen and franc—traditional risk-off assets—also rose.
Global Trade Effects: A stronger dollar raises the cost of U.S. exports, putting pressure on American manufacturers, but provides relief on imports.
Policy Outlook: Central banks may remain cautious, as geopolitical uncertainty strengthens the case for rate stability.
Resources
Oil Prices Retreat ~$1 Amid Ceasefire Speculation

Truce Talks Cool Market Jitters
Crude futures have dropped by approximately $1 per barrel, with Brent at $73.23 and WTI at $71.77, after reports that Iran may seek a truce with Israel.
The pullback is easing inflation pressure and improving margin projections for energy-intensive sectors, though supply concerns linger given the fragile geopolitical setting .
Why It Matters:
Inflation Cool-Off: Falling oil prices help reduce energy-driven inflation, supporting central bank objectives.
Sector Relief: Lower input costs benefit industries like transportation and manufacturing.
Watchlist: The situation hinges on whether energy infrastructure—like pipelines or ports—remains at risk from retaliatory strikes.
World
Energy Infrastructure Hit in Israel–Iran Strikes
Strategic Disruption to Production and Export Outlets
Recent strikes in the Israel–Iran conflict have already hit vital energy infrastructure: Iran’s Kharg Island export hub and around two-thirds of Israel’s gas output.
Market watchers are increasingly concerned about broader supply chain vulnerabilities as pipelines and refineries are taken offline.
Ramifications:
Regional Energy Risk: Continued damage could disrupt global crude and gas flows, impacting prices and energy security.
Market Signal: Even insurance costs for shipping and logistics firms may spike in response to long-term risk premiums.
Corporate Considerations: Companies in travel, manufacturing, or energy-intensive industries may face rising operational costs or supply rerouting.
Finance
Ireland Completes AIB Divestiture, Ending 15-Year Bailout Era

Final State Stake Sale Signals Full Financial Recovery
The Irish finance ministry has sold off its last remaining stake in Allied Irish Banks, concluding a decade-and-a-half-long recovery following the 2010 financial crisis. The move caps a long-term fiscal normalization and signals regained market confidence in Ireland’s financial health.
Broader Significance:
Investor Sentiment Boost: The sale removes a government-held asset, reinforcing Ireland’s commitment to a private-sector-led financial system.
Policy Milestone: Marks the end of institutional investor dependence on bailouts—a clear moving-on from post-crisis policies.
Market Outlook: Expect more active Irish financial markets and heightened investor interest in domestic banks and bonds.
Tech
Microsoft–OpenAI Alliance Under Strategic Review

Evolving AI Strategy May Reshape Tech Landscape
Microsoft and OpenAI are renegotiating their multi-billion-dollar partnership, prompted by shifting AI ambitions and market competition. Any changes could redefine GPT model access, cloud infrastructure commitments, and enterprise AI costs—crucial factors for tech stakeholders.
Strategic Consequences:
Model Licensing: Businesses using Azure’s OpenAI services might face changes in pricing, availability, or terms.
Cloud Power Play: A realignment may see Azure or Google Cloud ramp up infrastructure investments to stay competitive.
Ecosystem Effects: OpenAI partnerships and enterprise adoption plans should anticipate shifts in support and access models.
Today’s Snapshot
The Hidden Wealth Skill: Opportunity Filtering
In today’s world, there’s no shortage of ways to make money.
You can:
Start a business
Flip real estate
Build an audience
Trade crypto
Invest in private deals
Launch a digital product
Write a newsletter
License your expertise
Every day, something new pops up promising fast growth or passive income.
But here’s the secret:
The wealthy don’t chase every opportunity — they filter relentlessly.
This skill — Opportunity Filtering — might be the most underrated wealth lever in the game. And once you master it, your time, capital, and focus become exponentially more valuable.
💡 The Problem: Too Many Options, Not Enough ROI
Everyone talks about decision making.
But few talk about decision eliminating.
Every opportunity costs more than money. It costs:
Focus
Energy
Time
Mental bandwidth
Momentum
And when you chase too many ideas at once?
You dilute your progress.
🧠 The Mindset Shift: From "What Can I Do?" to "What’s Worth Doing?"
Wealthy thinkers don’t ask:
“Can this make money?”
They ask:
“Is this the best use of my money, time, and skill?”
They operate through filters, not feelings.
🧱 The 5 Filters of High-ROI Opportunities
Here’s how you can apply the same system to evaluate — or eliminate — any new money idea.
1. Asymmetry: Small Risk, Big Upside
Great opportunities don’t require you to bet the farm.
Look for plays where:
Downside is capped
Time or capital commitment is reasonable
Upside is meaningful or compounding
💡 Examples:
Writing online for 30 minutes/day (free, but high upside)
Buying a $1,000 newsletter ad that could generate $10K+ in sales
Partnering on a product with no upfront cost but shared revenue
Wealthy people love bets with limited downside and exponential upside.
2. Alignment: Does It Match Your Edge?
Just because something works for others doesn’t mean it will work for you.
Ask:
Does this align with my existing skills, interests, or network?
Am I uniquely positioned to execute this better or faster than most?
💡 Example:
If you’re great at design and marketing, building a no-code SaaS is more aligned than buying raw land to flip.
Play games you're built to win.
3. Leverage: Can It Scale Beyond Me?
If you’re trading time for money with no end in sight, you’ll hit a ceiling.
Good opportunities include leverage like:
Code (products that run themselves)
Media (content that works while you sleep)
Capital (investments that grow)
People (teams that operate without you)
💡 Rule of thumb:
If the upside only grows when you work harder, it’s a job — not wealth.
4. Timing: Is This a Now Play or a Later Play?
Some opportunities are long games. Others are sprints.
You want a mix, but don’t confuse the two.
Building a brand takes time
Doing a quick client project can generate immediate cash
Launching a course might take a month, but pay you for years
🧠 Know what you need right now — and choose accordingly.
5. Transferability: Will This Skill or Asset Benefit Me Long-Term?
Even if a project doesn’t “win,” will you:
Learn something valuable?
Build a relationship?
Create a repeatable process?
Gain proof of work for future opportunities?
If yes — it might still be worth doing.
Wealth multiplies when you stack transferable assets and knowledge.
✅ Real-Life Example: Opportunity Filtering in Action
Let’s say you get pitched two opportunities this week:
1. Build an Amazon FBA store from scratch
$5K to get started
Heavy logistics
Zero experience
2. Launch a paid newsletter based on your career niche
You’re already writing LinkedIn posts
You know the audience
Low cost, high upside
Which has better alignment, leverage, and timing?
Not always the sexiest play — but often the simplest, most aligned one wins.
🧭 Action Step: Build Your Personal Opportunity Filter
Here’s a simple tool:
When a new opportunity comes your way, ask:
🔍 Is this asymmetric?
🎯 Is it aligned with my skills or network?
📈 Can it scale or leverage something I’ve built?
⏳ Does it match my current season (short-term vs long-term)?
🔁 Will this benefit me again in the future?
If the answer isn’t a strong yes to at least 3 of these, it’s probably not worth your time.
🧠 Final Thought: Focus Builds Fortunes
The world doesn’t reward you for trying everything.
It rewards you for going deep on what compounds.
The most successful people don’t chase more — they filter better.
So next time something “exciting” pops up in your inbox or feed?
Pause.
Filter.
Decide intentionally.
That’s how wealth gets built — one smart decision at a time.
Fun Stuff
😂 Funny Joke
Why did the cryptocurrency trader bring a parachute to the office?
Because they were expecting a hard fork.
🏢 Guess the Company
Clue:
Founded in 1998 by two Stanford PhD students, this company started as a research project and now handles over 8.5 billion searches a day.
Its parent company was created in 2015 to house its many moonshots.
🕰️ Financial History: What Happened Today?
June 18, 1983:
Sally Ride became the first American woman in space, aboard the Challenger shuttle.
The innovation, tech breakthroughs, and visibility from NASA’s efforts later influenced STEM investing, private aerospace ventures, and the rise of companies like SpaceX.
🧠 Brain Teaser
A company’s profit doubles every year.
In Year 5, its profit is $1.6 million.
What was its profit in Year 1?
*Answers at the bottom
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Technology - Techpresso - Subscribe Now →
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Stock Market - Early Bird - Subscribe Now →
Personal Development - Field Notes - Subscribe Now →
*Promoted
Fun Stuff: Answers
Guess the company - Answer: Google (Alphabet Inc.)
Brain Teaser - Answer:
Work backwards:
Year 4 = $800K → Year 3 = $400K → Year 2 = $200K → Year 1 = $100,000
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 ask. 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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