In partnership with
November 3, 2025
Welcome Back,
Hi {{rh_partner_name | there}}
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.
If you subscribed by accident or wish to no longer receive our content click here to un-subscribe →
PRESENTED BY ALTINDEX
Pelosi Made 178% While Your 401(k) Crashed
Nancy Pelosi: Up 178% on TEM options
Marjorie Taylor Greene: Up 134% on PLTR
Cleo Fields: Up 138% on IREN
Meanwhile, retail investors got crushed on CNBC's "expert" picks.
The uncomfortable truth: Politicians don't just make laws. They make fortunes.
AltIndex reports every single Congress filing without fail and updates their data constantly.
Then their AI factors those Congress trades into the AI stock ratings on the AltIndex app.
We’ve partnered with AltIndex to get our readers free access to their app for a limited time.
Congress filed 7,810 new stock buys this year as of July.
Don’t miss out on direct access to their playbooks!
Past performance does not guarantee future results. Investing involves risk including possible loss of principal.
Today’s Post
🛡️ How to Build Long-Term Financial Resilience — Protecting Yourself From Life’s Curveballs
No matter how good your budget is or how stable your job feels, life has a way of throwing surprises your way — job loss, medical bills, car repairs, or even global events that shake the economy. That’s why financial resilience isn’t just about getting rich — it’s about being ready for whatever happens next.
Think of it like this: wealth builds comfort, but resilience builds security. Let’s talk about how to strengthen your financial “shock absorbers” so you can handle challenges with confidence — not panic.
💰 Step 1: Build a Real Emergency Fund
You’ve heard this before, but let’s make it practical.
An emergency fund is money you set aside for unexpected events — not vacations, not home upgrades, but true “oh no” moments.
The rule of thumb is:
3 to 6 months of living expenses for most people.
6 to 12 months if you’re self-employed or in an unstable industry.
How to make it happen:
Start small. Begin with a $1,000 mini-fund to handle small shocks (like a flat tire or vet bill).
Automate savings. Set a recurring transfer — even $50/week adds up fast.
Use a separate high-yield account. You’ll earn interest and resist temptation to spend it.
👉 Pro tip: As of 2025, the best online savings accounts offer around 4.5–5.0% APY, far higher than traditional banks.
This is your first layer of defense — a cash cushion that keeps small problems from turning into debt disasters.
💳 Step 2: Manage Debt Like a Pro
Debt isn’t always bad — but too much of it can crush flexibility. The more you owe, the fewer choices you have when life changes.
Here’s how to keep debt under control:
Track your debt-to-income ratio. Keep it below 36% (that’s all debt payments divided by monthly income).
Pay off high-interest debt first. Credit cards with 20%+ APRs should be top priority.
Avoid “lifestyle creep.” When income rises, don’t instantly upgrade everything — redirect that extra money into savings.
And if you have multiple loans, use either:
The Avalanche Method: Tackle the highest-interest debts first.
The Snowball Method: Pay off the smallest balances to build momentum.
Whichever keeps you motivated — that’s the right one.
🏦 Step 3: Create Multiple Income Streams
In a world where job security isn’t guaranteed, having more than one source of income is a game-changer.
A few options to consider:
Investing in dividend stocks or ETFs for passive income.
Freelancing or side hustles that align with your skills.
Real estate investing — even small-scale, like renting a room or parking spot.
Building digital assets like content, courses, or e-commerce products.
According to the U.S. Bureau of Labor Statistics, over 16% of Americans now have a side hustle in 2025 — and that number keeps growing.
The goal isn’t to work nonstop, but to build income insurance in case one source dries up.
📈 Step 4: Invest for the Long Game
Resilience means your money is growing even while you sleep. Investing helps your wealth outpace inflation and prepares you for future needs.
Here’s how to do it smartly:
Stick with diversified portfolios — a mix of stocks, bonds, and maybe real estate.
Don’t panic during market dips. History shows markets always recover long term.
Automate contributions. Consistency beats timing — every paycheck, invest something.
Example:
If you invest $400/month at a 7% annual return, in 25 years you’ll have around $325,000.
Start 10 years later? You’ll have only about $150,000.
Time really is money.
🧠 Step 5: Insure What Matters Most
True financial resilience means protecting against major risks — the ones that can wipe out years of progress.
Here’s what’s essential:
Health insurance: The #1 cause of bankruptcy in the U.S. is medical debt.
Life insurance: Protects your loved ones’ future if something happens to you.
Disability insurance: Covers income if you can’t work.
Home/renters insurance: Safeguards your assets and personal belongings.
You hope you’ll never use it — but you’ll be glad it’s there if you do.
🌱 Step 6: Keep a Growth Mindset
Financial resilience isn’t built in a day — it’s built in habits.
Here’s how to stay grounded:
Keep learning. Financial literacy compounds just like money.
Stay flexible. Your plan should adapt as your life changes.
Avoid comparison. Someone else’s version of “financial success” might not match yours.
“The strongest trees aren’t the tallest — they’re the ones with the deepest roots.”
You don’t need to predict every storm. You just need strong roots: savings, smart debt management, and steady investments.
🧭 Final Thoughts
Resilience isn’t about being rich — it’s about being ready.
Start with what you have, build layer by layer, and keep your focus long-term.
Because when the next curveball comes (and it will), you won’t be asking, “What do I do?”
You’ll be saying, “Good thing I planned for this.”
The Wealth Wagon’s Other Newsletters:
The Wealth Wagon – Where it all began, from building wealth to making money – Subscribe
The AI Wagon – AI trends, tools, and insights – Subscribe
The Economic Wagon – Global markets and policy shifts – Subscribe
The Financial Wagon – Personal finance made simple – Subscribe
The Investment Wagon – Smart investing strategies – Subscribe
The Marketing Wagon – Growth and brand tactics – Subscribe
The Sales Wagon – Selling made strategic – Subscribe
The Startup Wagon – Build, scale, and grow – Subscribe
The Tech Wagon – Latest in tech and innovation – Subscribe
Side Hustle Weekly - Actionable side-hustle ideas and income tips - Subscribe
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.