June 12, 2025

Welcome Back,

Happy Friday, everyone! 🎊
Good morning! You’ve officially made it to the end of the week—and whether you crushed it or crawled here, you deserve a round of applause (and maybe a donut).

Now, here’s a simple question with big implications: Is your money working for you, or just constantly sneaking out the back door?

Today, we’re talking about the 3-Account System—a surprisingly simple way the wealthy organize their money so it flows with purpose, not chaos. Think of it like giving your dollars a job, a plan, and a safe place to hang out.

Let’s dig in and get your money life feeling a little more chill, a lot more intentional, and way more powerful.

“In the business world, the rearview mirror is always clearer than the windshield.”
— Warren Buffett

Every time you say “yes” to something, you’re saying “no” to something else — even if it’s just your own focus.
In business and life, choose your yeses carefully — they're shaping your runway.

— Ryan Rincon, CEO and Founder at The Wealth Wagon Inc.

Market Update

Market Update: Markets advanced modestly today with the Nasdaq, S&P 500, and Dow Jones all in positive territory. Gold gained 1.88%, continuing its recent strength, while silver added 0.41%. Bitcoin dropped sharply by 2.20%, weighing on the broader crypto space. Among individual stocks, Verizon and Southwest fell notably, down 1.33% and 2.72% respectively. Nike also slipped slightly. Despite crypto weakness and some sector losses, equities showed steady upward momentum.

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Business

Air India 787 Crash Sparks Global Safety Concerns and Pressure on Boeing

Over 200 Lives Lost in Ahmedabad; Aviation Sector Faces Tough Questions

A Boeing 787-8 Dreamliner operated by Air India tragically crashed on June 11 in Ahmedabad, resulting in the loss of more than 200 lives. This marks one of the most devastating aviation accidents in recent memory—and the most severe involving a Dreamliner in years. Pre-market trading saw Boeing shares fall 4.7%, as investors braced for the regulatory and reputational fallout.

Why This Matters:

• Boeing in the Crosshairs (Again): Still recovering from the 737 MAX crisis, Boeing now faces renewed safety scrutiny, not just from U.S. regulators but from international aviation authorities as well.

• Airlines & Corporate Travel Impacted: Fleet planning, aircraft leasing decisions, and long-haul route confidence could be significantly disrupted, especially for airlines relying heavily on Dreamliners.

• Ripple Effect: Insurance costs for airlines may rise, corporate travel managers could reconfigure vendor approvals, and investors in aerospace supply chains should watch for volatility.

Career

Japan Overhauls Welfare Rules to Address Labor Crisis

Part-Time Workers to Pay Into Pension and Healthcare—900,000 Women Affected

In a bold step to combat chronic labor shortages, Japan is moving forward with a policy that will require part-time workers who clock more than 20 hours per week to contribute to pension and healthcare systems. This will primarily affect around 900,000 women, who make up a large share of Japan’s part-time labor force.

Why This Matters:

• Structural Labor Reform: As Japan’s population ages and its birthrate declines, this move is meant to encourage deeper workforce participation, particularly among women.

• Mixed Reactions Likely: While some workers will now gain access to fuller benefits, others may opt out of additional hours to avoid increased deductions.

• Corporate Adjustments Ahead: Employers in retail, hospitality, and light manufacturing may rethink scheduling or invest in automation to manage rising employment costs.

World

Paris Airshow to Highlight Defense Tech as Trade Tensions Simmer

AI Fighters, Drones, and Aerospace Orders Take Center Stage at June Event

As the Paris Airshow kicks off June 16–20, major aerospace players like Airbus are projecting strong long-term demand, even amid mounting geopolitical and tariff-related uncertainty. The show’s focus this year will extend beyond commercial aviation to include next-gen defense tech, such as AI-powered fighter jets and autonomous drones.

Why This Matters:

• Civil + Military Crossover: The convergence of military and commercial aerospace showcases broader market resilience despite global trade disruptions.

• Strategic Insight for Travel & Logistics: Companies managing travel for defense or logistics teams should track new developments that may reshape procurement and safety standards.

• Investor Watchlist: Aerospace suppliers and MRO (maintenance, repair, operations) firms may benefit—though regional production alliances could complicate global sourcing strategies.

Entertainment

Paramount Lays Off 3.5% of U.S. Workforce Amid Cable Decline

Streaming Shift Drives Restructuring in Legacy Media Giant

Paramount Global has laid off 3.5% of its U.S. workforce, citing persistent subscriber declines across its traditional cable business. This move aligns with the company’s broader strategy to pivot toward digital-first content and streaming services.

Why This Matters:

• Media Realignment: These cuts signal a further unraveling of legacy cable models, as advertisers and audiences migrate to digital platforms.

• B2B Ripple Effect: Vendors in production, PR, and licensing may see project delays or budget cuts.

• Investor Watch: Paramount’s restructuring could foreshadow consolidation in the media sector, especially if its streaming arm struggles to reach profitability.

AI

Temasek Joins $100B AI Infrastructure Partnership with U.S. Tech Giants

Global Alignment Grows Around Building the Foundations of AI

Singaporean investment firm Temasek has joined a landmark $30–100 billion U.S.-led AI Infrastructure Partnership (AIP), alongside Microsoft, BlackRock, and MGX. The initiative aims to build out next-generation cloud, data center, and energy infrastructure to support the growth of artificial intelligence.

Why This Matters:

• Global Capital for AI Infrastructure: This partnership cements cross-border interest in building the "roads and bridges" of the AI economy.

• Enterprise Planning: Companies in data hosting, utilities, and hardware should prepare for major demand surges tied to AI-related infrastructure projects.

• Geopolitical Signal: As Western nations align around AI development, expect increased competition with China’s tech stack—and new investment opportunities in underserved regions.

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Today’s Snapshot

The 3-Account System: A Simple Framework to Manage Money Like the Wealthy

Most people don’t have a money problem.
They have a money management problem.

It doesn’t matter how much you make — if you don’t know how to direct your income with purpose, you’ll always feel broke, scattered, or stuck.

Wealthy people don’t leave their money sitting around.
They give it jobs.

One of the simplest and most effective ways to do this — especially for high earners, business owners, and those just getting started — is what I call the 3-Account System.

💡 Why Simplicity Wins in Wealth Management

Complicated spreadsheets. Endless budgets. Multiple cards and tools.
They all lead to decision fatigue and inaction.

The 3-Account System strips everything down to what matters most:

• Growing wealth

• Maintaining flexibility

• Funding freedom

It gives every dollar a mission — without requiring you to obsess over every penny.

🧱 The 3 Accounts That Change Everything

Here’s how the system works. Every dollar that hits your account should be filtered into one of these buckets:

1. Growth Account (50–60%)

“Build wealth that works while I sleep.”

This is the long-term builder.
Money in this account should go toward anything that appreciates, compounds, or cash flows over time.

Examples:

• Investing in index funds, dividend stocks, ETFs

• Real estate down payments

• Business reinvestment (ads, systems, team)

• Buying cash-flowing assets (digital products, content sites, etc.)

• Crypto or startup exposure (for those willing to take smart risk)

Money here doesn’t sit. It moves forward.

This is how wealthy people grow their net worth year over year — even if their income stays flat.

2. Flex Account (20–30%)

“Live well without sabotaging my future.”

This is your lifestyle and liquidity buffer.
It covers everyday expenses while keeping your financial engine stress-free.

Examples:

• Rent, groceries, transportation

• Subscriptions, dining out, vacations

• Emergency fund or buffer savings

• Large purchases you plan for in advance (tech, travel, gifts)

This account gives you permission to spend without guilt, because it’s pre-planned.

The key is: don’t upgrade this category just because income rises.
Upgrade the growth account first.

3. Freedom Account (10–20%)

“Buy back time. Fund the life I actually want.”

This is the most overlooked — but most powerful — account.

Use this for:

• Hiring help (virtual assistants, home services, coaching)

• Creating space to start a side hustle

• Taking a sabbatical to build your own thing

• Paying off debt or reducing monthly obligations

• Setting up passive income infrastructure

This account funds life leverage — not just stuff

It’s how people transition from job-dependent to time-rich, and eventually, financially independent.

📊 Real Example of the 3-Account Split

Let’s say you bring in $10,000/month in income. Here’s how it might break down:

• Growth (60%) → $6,000

  • $2,000 to index funds

  • $1,000 to real estate savings

  • $1,000 reinvested in your business

  • $2,000 into cash-flowing side projects

• Flex (25%) → $2,500

  • Rent, bills, daily expenses

• Freedom (15%) → $1,500

  • Hire a VA

  • Take a weekend retreat to plan your exit

  • Start funding a 6-month runway for a new venture

Even if you’re earning $3,000/month, the same principle works — just scale the numbers down. The ratios are what matter.

🧍 Who This System Works For

✅ Mid-Level & High-Level Employees

• Automate wealth growth without overthinking

• Fund your freedom while maintaining your lifestyle

• Avoid lifestyle inflation

✅ Business Owners

• Reinvest profits strategically

• Stay liquid while building future cash flow

• Buy time and systems with intention

✅ Investors

• Allocate new capital consistently

• Maintain dry powder for deals

• Fund LP commitments or angel deals without stress

✅ Beginners / Careerless

• Create structure with limited income

• Start building freedom before you feel “ready”

• Make your first $500 work harder than most people’s $5,000

🔁 How to Set It Up in 3 Steps

1. Open 3 Separate Accounts

   • Most banks let you create labeled checking/savings accounts

   • Name them “Growth,” “Flex,” and “Freedom”

2. Automate Transfers

   • Every time you get paid, split your income automatically

   • Even if you’re inconsistent, do it manually until you are

3. Track Monthly Progress

   • Review every 30 days: Did each account do its job?

   • Adjust percentages as income increases

🧠 Final Thought: Structure Beats Willpower

Most people try to build wealth with discipline.
But discipline fails when life gets busy.

Structure wins. Systems win.
And the 3-Account System makes your income work like a business.

You don’t need a perfect budget.
You need a smart structure.

Set it once. Tweak as you grow. Watch what happens.

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Fun Stuff

🧩 Riddle

I’m not a person, but I have followers.
I’m not a stock, but I can crash.
I change daily and live on your screen.
What am I?

🏢 Guess the Company

Clue:
This company started out selling shoes online and famously offered free returns to reduce buyer hesitation. It was later bought by Amazon and became a case study in customer service culture.

🌀 Wild & Wacky Business Fact

Apple has more cash on hand than most countries.
At times, its cash reserves have exceeded the GDP of entire nations like Portugal, New Zealand, and Greece.
Some people carry wallets — Apple carries governments.

🤔 Would You Rather

Would you rather…

• Triple your salary, but be required to work 12-hour days,
  OR

• Keep your current pay, but only work 4 days a week with complete freedom?

(Time or money — which buys more life?)

*Answers at the bottom

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*Promoted

Fun Stuff: Answers

Riddle - Answer: A social media account

Guess the Company - Answer: Zappos