December 10, 2025

Happy Wednesday, everyone! ☀️
Good morning — hope you're all feeling energized and ready to take on the day!

Let me ask you something: How many times have you set big goals… only to forget half of them by February? No judgment — we’ve all been there. Life gets busy, plans get messy, and complicated strategies gather dust faster than old gym memberships.

But what if your entire year could fit on one page?
Something simple enough to follow, clear enough to stick with, and focused enough to actually move you forward?

That’s exactly what we’re jumping into today.
A one-page annual strategy — the kind that doesn’t get lost, ignored, or abandoned, but actually works.

— Ryan Rincon, Founder at The Wealth Wagon Inc.

— Peter Drucker

Market Update: Markets were mixed today, with the Nasdaq inching up 0.13% while the S&P 500 slipped 0.09%, and the Dow Jones followed with a 0.38% dip. Bitcoin added a modest 0.28%, showing steady investor appetite despite broader equity hesitation.

Safe-havens were quiet but positive—Gold barely nudged higher at 0.038%, while Silver put in a stronger move, rising 0.73%.

In the stock spotlight, Apple ticked down 0.26%, while both Amazon and Broadcom climbed, up 0.45% and 1.29% respectively, with Broadcom leading the day’s momentum.

Trump criticizes ‘decaying’ European countries and ‘weak’ leaders
Trump escalated his rhetoric against European allies, arguing that their political “decline” is undermining global stability. The remarks come as tensions grow over defense spending and shifting geopolitical priorities. European leaders have pushed back, warning that the relationship is being strained at a critical moment for security cooperation.

Canadian senator presses Ottawa on land disputed between the US and Canada
A Canadian lawmaker is urging the government to resolve a longstanding territorial disagreement with the United States. The disputed area has resurfaced as a political flashpoint amid concerns over sovereignty and natural-resource access. Officials from both countries say negotiations remain ongoing but offered no firm timeline for resolution.

Critics from authoritarian regimes share what they wish they’d known sooner
Former citizens of repressive governments are revealing the tactics used to control information, public opinion, and dissent. Many describe subtle patterns of erosion that make democratic backsliding difficult to spot in real time. Their warnings come as analysts track rising global polarization and declining trust in institutions.

GOP floats Obamacare alternatives as insurance costs are about to soar
Republican lawmakers are reviving proposals to restructure the U.S. health-insurance system as premiums trend sharply upward. The plans include loosening regulations and expanding market-based options, though details remain limited. Consumer advocates say any overhaul must address affordability gaps that continue to grow nationwide.

Silver hits $60 for the first time — here’s why prices are outpacing gold
Silver surged past a major milestone, driven by tightening supply and industrial demand tied to clean-energy manufacturing. Investors are increasingly rotating toward the metal as a hedge amid volatile currency movements. Analysts note that, unlike gold, silver’s dual role in technology and investment markets is amplifying upward pressure.

Louisiana reverses course on Aetna’s canceled Medicaid contract
State officials reinstated a major Medicaid contract after months of legal and administrative disputes. The reversal aims to stabilize coverage for hundreds of thousands of residents who were caught in limbo. Regulators say the renewed agreement includes stricter oversight to avoid future disruptions.

The Fed’s two-day meeting starts today — here’s what you need to know
Federal Reserve officials convene as markets look for clues about the timing of next year’s interest-rate path. Early indicators suggest policymakers remain cautious despite slowing inflation data. Traders expect the meeting to shape the tone of December and set expectations for the first quarter of 2026.

Eli Lilly to build $6 billion manufacturing facility in Alabama
The pharmaceutical giant announced a massive investment to expand domestic production capacity. The project is expected to create roughly 450 jobs and accelerate development of new therapies. State officials say the facility will serve as a major anchor for the region’s growing biotech sector.

Instacart charging different prices on the same grocery staples, study finds
A new analysis shows that Instacart’s pricing algorithms can generate inconsistent costs for identical items across nearby stores. Researchers say this variability may confuse customers who assume the platform displays standard market rates. Instacart defended the practice, citing retailer-specific pricing policies and supply-chain factors.

Most people — employees, founders, investors, side hustlers — plan their year the wrong way.

They create complicated goal sheets.
Eat the frog.
Color-code their trackers.
Make beautiful Notion dashboards.

And by February?
Gone.
Not opened again.

High performers don’t plan more.
They plan simpler.

They use something I call the One-Page Annual Strategy — a small document that tells you exactly:

It’s simple, fast, and more powerful than any New Year’s resolution.

Let’s build yours.

Every year has three levers that drive 80–90% of your results:

If you improve all three, you almost can’t have a bad year.

Your one-page strategy should focus on exactly how you will upgrade each one.

Don’t write paragraphs — write one answer per lever.

These are the actions that directly drive results in your life or business.

Examples:

Most people confuse motion with progress — they do tasks that feel productive but change nothing.

Your One-Page Strategy forces you to define the small list of activities that actually move the needle.

If it doesn’t increase your money, skills, or opportunities, it’s probably not a winning activity.

Everyone has 2–3 blockers that sabotage their year:

Write down your top three.

Then write the counter-move for each one.

Example:
Blocker: “I procrastinate until deadlines.”
Counter-move: “Weekly Monday planning + public accountability to a friend.”

Blocker: “I waste time switching tasks.”
Counter-move: “One focus period daily for deep work.”

Removing blockers is often more valuable than adding goals.

Your time, energy, and attention are limited.
If you don’t intentionally stop doing things, you’ll never have room for higher-ROI actions.

Examples:

Most people only ask, “What should I do this year?”
High performers ask, “What should I stop doing so I can actually do the important stuff?”

Break the year into three meaningful checkpoints:

(You don’t need Q4 — that’s the finish line.)

For each quarter, answer:

This turns vague goals into measurable checkpoints.

Example:

Q1 Goal: Add $2,000/mo income.
Metric: 3 new freelance clients.
Habit: 5 outbound pitches daily.

Q2 Goal: Increase investable cash by 20%.
Metric: Savings rate at 30–35%.
Habit: Automated transfers every Friday.

Q3 Goal: One major skill upgrade.
Metric: Certification or portfolio project completed.
Habit: 5 hours of focused learning weekly.

This is the single sentence that decides:

Examples:

This keeps you anchored when distractions inevitably show up.

Here’s the mistake people make:

Checking goals too often creates stress, guilt, and premature course-correction.

Checking too rarely leads to drift.

The right rhythm is once a month.

Each month ask:

Ten minutes.
One page.
Done.

Because it forces you to:

When you get clear, consistent, and focused, your year stops being random and starts becoming predictable.

This is how people break income plateaus, grow businesses faster, and finally feel in control of their direction.