October 30, 2025
Welcome Back,
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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.
Today’s Post
Cryptocurrency Basics: What You Should Know Before Investing
You’ve probably heard about digital money like Bitcoin or Ethereum. Maybe you’ve wondered if it’s a good idea to invest. Well, before you jump in, let’s cover the basics of cryptocurrency: what it is, why it matters, how it works, and what you should watch out for.
What is cryptocurrency?
In simple terms: cryptocurrency (or “crypto”) is a type of digital money that runs on a technology called blockchain. Here are some key points:
Crypto isn’t issued by a central bank like traditional money.
Examples include Bitcoin and Ethereum. As of early 2025, they represent more than 65% of the crypto market cap.
Crypto uses cryptography (fancy math techniques) to secure transactions and control how coins are created.
It’s digital — you don’t hold paper coins, you hold private keys or wallet access.
So yes, it’s real—but also very different from your regular savings account.
Why it’s getting attention
There are a few reasons crypto has become a major topic in finance:
Potential growth. Some people see crypto as a chance to grow money quickly.
Alternative to traditional assets. It may diversify what you hold (stocks, bonds, cash) with something new.
Changing tech & systems. Crypto is part of a broader change in how money and finance might work in the future.
But—and this is important—it’s not a sure thing. There are risks.
How crypto works: basics you should know
Here are some of the building blocks:
Blockchain: A digital ledger that records transactions publicly across many computers.
Wallet & private key: A wallet stores your crypto and the private key is what you use to access it. Lose the key = you lose the crypto.
Mining or validation: Some cryptos are created by “miners” solving math problems (proof-of-work) or via other methods (proof-of-stake).
Volatility: Crypto prices can swing wildly up or down in short periods.
Regulation changes: How governments handle crypto can affect its value and how safe it is to hold. For example, the U.S. passed major stablecoin regulation in 2025 under the GENIUS Act.
What you should watch out for
Because crypto is newer and more volatile than traditional assets, here are some things to keep in mind:
Risk of loss. Because prices swing, you could lose a lot of money if you’re not careful.
Security issues. Hacks, lost keys, scam tokens—these are real threats.
Regulatory uncertainty. Rules are changing fast. What’s allowed today might change tomorrow.
Speculation vs. fundamentals. Some cryptos have strong tech behind them; others are hype. Do your research.
Don’t invest more than you’re willing to lose. This is one of the key rules in ALL investing.
How you might incorporate crypto (if you choose to)
If you decide to dip into crypto, here are practical steps:
Educate yourself. Read credible beginner guides. The basics matter.
Use trusted platforms. Choose exchanges or wallets with good reputations, strong security.
Start small. Maybe only a small percentage of your total investments go into crypto.
Consider your time horizon. Are you in it for very short-term trading or long-term investing?
Diversify. Don’t put everything into crypto—mix it with other asset types.
Stay updated. With crypto, things like regulation, tech upgrades, and macroeconomics matter a lot.
Final thoughts
“With great potential comes great responsibility.”
Crypto offers exciting opportunities—but also real risks. It’s not a magic bullet. If you’re curious, learn more, stay cautious, and treat it as a part of a broader financial plan—not your whole plan.
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 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.