November 5, 2025

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Good morning! In today’s issue, we’ll dig into the all of the latest moves and highlight what they mean for you right now. Along the way, you’ll find insights you can put to work immediately

— Ryan Rincon, Founder at The Wealth Wagon Inc.

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You’ve probably noticed it: groceries cost more, rent keeps climbing, and even your favorite coffee seems to have a “new normal” price every few months. That’s inflation in action — the silent thief that makes your money worth a little less each year.

But here’s the twist: while inflation can eat away at your wallet, smart financial habits can help you fight back — and even profit from it. Let’s break it down in plain English.

Inflation is simply when prices go up over time, meaning each dollar buys fewer goods and services than before.

Think about it this way:

The movie didn’t get twice as entertaining — your money just lost some of its buying power.

Inflation is usually measured by the Consumer Price Index (CPI) — a basket of everyday items like food, gas, housing, and healthcare. When the CPI rises, it means the cost of living has increased.

According to the U.S. Bureau of Labor Statistics, as of late 2025, inflation is hovering around 2.8%, down from the record highs of 2022 but still above pre-pandemic levels.

So what does that mean for you? It means your money is slowly shrinking unless it’s growing faster than inflation.

Inflation quietly eats away at your purchasing power — the real value of what your dollars can buy.

Here’s how:

In short: inflation punishes those who sit still — but rewards those who know how to keep their money moving and growing.

Good news — there are practical ways to shield yourself from rising prices and even use inflation to your advantage.

Leaving money in a low-interest account is like leaving ice in the sun.
Instead:

Physical assets like real estate, commodities, and gold tend to hold or increase value when prices rise.

You don’t have to buy physical gold bars — you can invest in ETFs that track these assets.

TIPS are U.S. government bonds designed to keep up with inflation.
When prices rise, the value of your TIPS goes up too. They won’t make you rich, but they’ll protect your purchasing power — great for conservative investors.

Inflation might be out of your control, but your earning power isn’t.

When prices go up, earning more is one of the strongest defenses.

Some bills are sticky — they rise over time even when you’re not paying attention.
Combat this by:

Inflation doesn’t hurt as much when your spending habits stay flexible.

“Inflation makes the lazy poor and the informed wealthy.”

That quote might sound harsh, but it’s true. People who understand inflation don’t fear it — they plan for it.

Inflation teaches a simple lesson: money that doesn’t grow, shrinks.
That means your job is to make your dollars work harder than ever — investing wisely, learning continuously, and staying proactive.

Inflation isn’t the enemy — it’s a test. It rewards those who think long-term and punishes those who leave their cash sitting idle.

So whether it’s putting more into your 401(k), investing in assets that grow, or just learning to manage expenses smarter — every action you take builds resilience.

Your goal isn’t to outrun inflation every single year — it’s to stay ahead over time.
Because when your money grows faster than prices rise, you’re not just surviving inflation — you’re mastering it.

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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 great post. 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.