December 26, 2025

Happy Friday, everyone! ☀️
Good morning — hope today feels relaxed, unhurried, and just a little refreshing after the holiday buzz.

Quick question for you: Did you know business credit plays by a completely different set of rules than personal credit?
When used right, it can open doors. When misunderstood, it can cause stress people never saw coming.

Today’s post breaks it down simply — how business credit actually works and how to use it confidently without putting your personal finances on the line.

No pressure, no jargon — just smart moves and clearer options.
Let’s end the week feeling informed and empowered. 💡

— Ryan Rincon, Founder at The Wealth Wagon Inc.

— Howard Marks

Spot silver extends rally to hit $75 per ounce for first time
Silver surged to a historic high as renewed demand from investors and industrial buyers pushed prices sharply upward. The rally is being fueled by expectations of continued monetary easing and persistent supply constraints. Analysts say the metal’s momentum could continue into early next year if inflation trends remain supportive.

China signals goal of slow yuan gain via fix well below estimate
China set its daily currency fix far weaker than markets anticipated, signaling a desire to carefully manage the yuan’s appreciation pace. The move reflects Beijing’s attempt to protect exporters while still allowing gradual currency strengthening. Traders say it underscores a delicate balance between stability and competitiveness.

Yen bearish voices build for 2026 on cautious BOJ policy path
Expectations for a weaker yen are growing as the country’s central bank continues a slow, conservative path toward policy normalization. Markets increasingly believe rate hikes will be limited through 2026, widening interest-rate gaps with global counterparts. Currency strategists warn that without stronger economic signals, downward pressure on the yen may intensify.

New Buddy Scene coming to Buzz Lightyear’s Space Ranger Spin
A refreshed portion of the beloved attraction is on the way as a new themed scene is announced for the ride. The update aims to modernize the experience while staying true to its original charm. Park visitors can expect enhanced visuals and updated storytelling when the addition debuts.

Road closures expand across Los Angeles after holiday storms
Heavy storms have prompted the shutdown of multiple roads throughout the Los Angeles area, including routes in Topanga Canyon. Officials say cleanup efforts are ongoing as crews assess mudslide risks. Travelers are being urged to check updated conditions before heading out.

Hawaii joins multiple states in facing major winter travel disruptions
A growing number of U.S. states, including Hawaii, are implementing advisories and restrictions as severe weather heightens travel risks. Officials say heavy rain, flooding, and wind conditions are complicating both road and air travel. The disruptions come during one of the busiest travel periods of the year.

Elon Musk and Tesla AI Director share insights after empty driver seat Robotaxi rides
Tesla leaders offered new details after test footage showed Robotaxis operating without visible drivers. They emphasized the system’s ability to handle complex environments while still undergoing safety validation. The comments reignited debate over regulatory readiness for fully autonomous vehicles.

Investors warn of ‘rot in private equity’ as circular deals rise
Growing concerns are emerging over complex transactions in which firms buy and sell companies among themselves. Critics argue these deals can inflate valuations and obscure true performance. The trend is prompting fresh scrutiny from market observers and institutional investors.

Economy grows, chip tariff delay, new S&P 500 record in Morning Squawk
The U.S. economy continues to expand at a steady pace, supported by strong consumer activity and easing supply constraints. A delay in chip-related tariffs provided additional optimism for manufacturers and tech firms. The S&P 500 hit another record as investors weighed the improving outlook against lingering inflation questions.

Most people think credit is binary:
You either have good personal credit… or you don’t.

What almost nobody understands is that business credit is a separate financial system — and using it correctly can dramatically reduce personal risk, unlock capital, and create flexibility that personal credit never can.

This matters whether you:

Let’s clear up how this works in real life.

This is the biggest misconception.

Business credit:

However, early on, lenders often require a personal guarantee until the business proves reliability.

That’s not a scam — it’s a trust bridge.

The goal is to graduate out of personal guarantees over time.

Personal credit uses:

Business credit uses:

If you’ve never checked these, you may already have a business credit profile — even if you never intended to build one.

Suppliers, lenders, and vendors often report activity automatically.

This is where people mess up.

You do not start by applying for big credit lines.

You start with trade credit.

Examples:

You use these accounts lightly, pay them early, and let reporting do the work.

This is how your business establishes credibility.

In business credit, how fast you pay matters more than how much you borrow.

Paying early:

Paying on time is good.
Paying early is excellent.

Businesses with small monthly expenses but perfect payment history often qualify for better terms than businesses spending far more but paying late.

Business credit becomes powerful when it allows you to:

It’s not about “free money.”
It’s about control and optionality.

Business credit should be used for:

It should not be used for:

Business credit magnifies results — good or bad.

When structured properly, business credit helps:

Over time, this separation is what allows business owners to take calculated risks without risking personal stability.

People who use business credit well:

They don’t brag about credit limits.
They use credit quietly to improve cash flow and flexibility.