June 5, 2025

Welcome Back,

Happy Wednesday, everyone! 🌤️
Good morning! We’re halfway through the week—just far enough from Monday to feel proud, and close enough to Friday to feel hopeful.

Let me ask you this: Have you ever dreamed of money showing up while you’re out walking the dog, binge-watching a show, or just living your life?

That’s not just wishful thinking—it’s cash flow. And today, we’re talking about how to build steady, reliable income streams that pay you month after month, like clockwork (but with way better vibes than an actual clock).

Let’s dive into the art of getting paid—even when you're not "on the clock."

“If you're not embarrassed by the first version of your product, you've launched too late.”
— Reid Hoffman, co-founder of LinkedIn

In business and life, there's a difference between being busy and being productive 
One fills your calendar.
The other fills your purpose.

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

Market Update

Market Update: Markets ended mixed today as the Nasdaq and S&P 500 both posted small gains, while the Dow Jones slipped 0.22%. Bitcoin ticked up slightly, and silver saw a modest rise. Lucid led individual stocks with a 1.83% increase, while Ford added 0.49%. On the downside, Palantir dropped 2.37%, and gold declined 0.74%. Despite minor turbulence, overall sentiment leaned cautiously optimistic.

PRESENTED BY MONEY

Could you afford $3,500 to remove a chew toy?

From $3,500 to remove a chew toy, to $7,000 for a hip replacement, keeping your pets healthy is getting more and more expensive. Fortunately, pet insurance can help offset these rising costs. Pet insurance can cover eligible accidents and illnesses with up to 90% reimbursement. Get your buddy covered today with plans starting at just $10 a month.

PROTECT YOUR PET

National

Senate Debates Trump’s Controversial Budget Bill

Medicaid Cuts, Border Security Funding, and Debt Reform at the Center of Heated Talks

The U.S. Senate has officially begun debate on President Trump’s latest proposed budget bill, which includes major changes to healthcare, immigration funding, and debt management. Lawmakers are gearing up for a contentious legislative battle, with sharp divisions already emerging across party lines.

Key Proposals in the Bill:

• Medicaid Overhaul: The plan proposes scaled-back federal contributions to Medicaid, shifting more financial responsibility to individual states — a move critics warn could reduce access for low-income Americans.

• Border Security Boost: A significant portion of the budget is allocated to expand border infrastructure and enforcement, reigniting debate over immigration priorities.

• Debt Reduction Focus: The bill includes measures to curb federal spending over the long term, including agency-wide budget caps and entitlement reform initiatives.

What’s Next:

• The bill faces resistance from Democrats and even some moderate Republicans who are concerned about the impact on vulnerable populations.

• With fiscal conservatives pushing for aggressive cuts and progressives defending social programs, the final version of the budget is likely to undergo significant revisions.

Finance

Tech Surge Propels Nasdaq as Investor Optimism Grows

Nvidia and Broadcom Lead Gains Amid Tariff Pauses and Strong Earnings

U.S. stock indexes closed higher on Tuesday, led by a strong rally in the technology sector, particularly among major chipmakers. The Nasdaq climbed 0.8%, turning positive for the year, while the S&P 500 and Dow Jones gained 0.6% and 0.5%, respectively.

Market Highlights:

• Nvidia (+2.8%) regained its position as the most valuable publicly traded U.S. company, buoyed by AI-related demand and strong earnings.

• Broadcom (+3.3%) also posted impressive gains as investors responded positively to its latest revenue report and robust outlook.

• Tariff Relief: Eased concerns over Trump’s trade policy — including a temporary pause on some tariffs — helped boost market sentiment.

Broader Context:

• Investors appear increasingly confident as corporate earnings continue to outperform expectations.

• Tech stocks, particularly those involved in AI and semiconductors, remain at the forefront of market momentum.

Business

Disney Lays Off Hundreds as It Doubles Down on Streaming Strategy

Restructuring Hits Film, TV, and Corporate Divisions

The Walt Disney Company has confirmed it has laid off several hundred employees across its entertainment divisions, reflecting the company's ongoing shift toward streaming and digital-first content strategies. The changes went into effect on Monday, June 2, impacting roles in marketing, casting, development, and finance.

What’s Changing:

• No Entire Teams Cut: While significant, the layoffs are described as surgical rather than sweeping, with no departments being eliminated entirely.

• Streaming Focus: Resources are being reallocated toward streaming platforms like Disney+, Hulu, and ESPN+, which are central to the company’s future.

• Legacy Business Shrinking: Traditional film and TV production units are being downsized as the industry continues its transformation away from linear broadcast and theatrical-first releases.

The Bigger Picture:

This move follows a broader trend in the entertainment industry, as media companies adapt to changing consumer behaviors and cord-cutting pressures. Despite layoffs, Disney emphasized it remains committed to producing high-quality content — just through a different lens.

Travel

IATA Projects Lower-Than-Expected Airline Profits in 2025

High Fuel Costs and Labor Shortages Temper Recovery Optimism

The International Air Transport Association (IATA) has released a new financial outlook for 2025, revising its previous estimates for airline industry profitability. While the industry is still expected to post a profit, IATA warns that the gains will be modest and below earlier projections.

Industry Challenges:

• Rising Fuel Prices: Jet fuel costs have remained volatile, cutting into profit margins for both domestic and international carriers.

• Labor Shortages: Airlines continue to face staffing constraints, from pilots to baggage handlers, which limit capacity and raise operational costs.

• Geopolitical Instability: Ongoing conflicts and political tensions in key regions are dampening global travel demand and adding unpredictability to route planning.

Silver Linings:

• Strong Passenger Demand: Leisure and business travel are rebounding steadily, especially in Asia and North America.

• Operational Efficiencies: Airlines are investing in better scheduling, fuel-saving technologies, and streamlined customer service to offset external pressures.

Retail

Canadian Tire Acquires Hudson’s Bay IP in $30M Deal

Strategic Move to Expand Brand Reach and Heritage Appeal

In a move that blends nostalgia with strategy, Canadian Tire has acquired the intellectual property assets of Hudson’s Bay — one of Canada’s most historic retail names — for $30 million, following court approval in Ontario.

What’s Included:

• Historic Trademarks: Canadian Tire now owns exclusive rights to use the Hudson’s Bay name and its legacy brand elements.

• Private Labels: The acquisition includes proprietary product lines and store brands associated with Hudson’s Bay.

Strategic Benefits:

• Brand Leverage: Canadian Tire plans to incorporate Hudson’s Bay-branded goods into its retail ecosystem, adding a premium and heritage feel to its product mix.

• Market Expansion: The move could attract legacy Hudson’s Bay customers while opening new cross-selling opportunities within Canadian Tire’s vast store network.

PRESENTED BY FIN MC

The Secret Dates Top Traders Love

Apple has shown consistent movement on certain dates over the years—do you know when? Stock Hotsheets reveal historically significant patterns for top stocks like Walmart and LULU. Find out more today.

Claim your FREE copy today (Just Pay Shipping)!

Today’s Snapshot

Cash-Flow First: How to Build Income Streams That Pay You Monthly

Let’s face it:
Most people chase wealth by focusing on what they can accumulate.
But the wealthy? They focus on what they can cash flow.

Assets that pay you every month—not someday—are the real wealth builders.

It’s not about waiting 40 years for a retirement fund to mature.
It’s about building income engines that pay you today, grow tomorrow, and free your time for good.

Whether you're a high-level professional, entrepreneur, investor, or starting from scratch, this mindset will shift your entire wealth-building strategy.

Let’s break it down.

🧠 Why Cash Flow Beats Net Worth (Early On)

Here’s a question:
Would you rather have $2 million in your retirement account… or $10,000 a month hitting your account automatically?

Most people chase the first.
But real financial freedom comes from the second.

Why cash flow wins:

• It gives you options today, not just security tomorrow.

• It builds confidence and momentum.

• You can reinvest it to multiply even faster.

• It lowers stress and dependence on a single job, client, or market.

Cash flow = freedom. Net worth = potential

You want both. But cash flow should come first.

🧩 What Is a Cash-Flowing Asset?

Simple definition:

A cash-flowing asset is anything you own that regularly pays you income.

That could be:

• A rental property

• A dividend-paying stock

• A cash-flowing small business

• A digital product or subscription

• A newsletter or YouTube channel with ad revenue

• A course or membership you sell monthly

The best part?
You don’t need to be wealthy to start building them.

💡 The Cash Flow Ladder (For All Stages)

Let’s map out a few real-world options, whether you’re starting at $0 or managing capital.

🧍 For Beginners (Just Starting Out)

Goal: Create your first $500–$2,000/mo from assets

Start with low-barrier, high-leverage digital options:

• Freelancing → Productizing → Packaging: Turn a skill (writing, design, marketing) into a digital product or micro-agency

• Newsletter or Blog: Start free, grow audience, monetize later with affiliate, ads, or your own product

• Digital Downloads or Courses: Use platforms like Gumroad, Teachable, or Kajabi

🧠 Tip: Don’t aim for perfection. Aim for launch + learn.

👨‍💼 For Employees & Professionals

Goal: Add $1K–$5K/mo through strategic cash flow assets

You’ve got income, now use it to buy time:

• Buy dividend stocks or ETFs: Use automated investing into cash-flow-generating funds

• Buy small websites: Tools like Flippa or MicroAcquire let you buy existing cash-flowing digital assets

• Start a media arm: Document what you know on LinkedIn, X, or YouTube → leads → revenue

🧠 Tip: Think “side systems,” not “side hustles.” Systems pay you without constant time.

👔 For Business Owners

Goal: Use profit to create new cash flow streams and diversify risk

You already know how to create value. Now:

• Invest in automated email funnels or evergreen offers

• Buy real estate using business income as leverage

• Create a paid community, membership, or licensing model

🧠 Tip: Don’t just work in your business—build assets around it.

🧑‍💼 For Investors

Goal: Allocate capital into high-ROI, high-cash-flow plays

Use your investing edge to:

• Deploy capital into short-term rental funds or REITs

• Fund creators, operators, or small businesses for a % of profit

• Build a portfolio of dividend, covered call, or yield-focused ETFs

🧠 Tip: Focus on yield + growth opportunities—not just speculation.

📊 A Real-World Example

Case Study: Jason, a 29-year-old marketing manager

• Started a Notion template side hustle → made $5K in 3 months

• Reinvested profits into a dividend ETF portfolio → $200/mo in cash flow

• Began documenting the journey on LinkedIn → attracted consulting leads

• Quit his job a year later with $7K/month in income from 3 different sources

Jason didn’t need to be a tech genius or raise capital.
He followed one rule: "Build or buy assets that pay me monthly."

🚨 Mistakes to Avoid

Let’s make sure you don’t waste time or money.

Common traps:

• Overbuilding without validating (build what people pay for)

• Relying on one stream (always diversify)

• Ignoring expenses and margin (cash flow ≠ profit)

• Waiting for “the perfect time” to start

Remember: your first $1 of monthly passive income is the hardest.
After that, it gets addictive.

✅ Quick Start Checklist (Pick 1 This Week)

Here’s your action plan:

• Pick 1 cash-flowing asset to build or buy

• Block 1–2 hours per week to work on it

• Set a 90-day goal (e.g., first sale, $100/mo income)

• Track income and reinvest every dollar

🧠 Final Thought: Cash Flow Buys Time—Time Builds Wealth

The fastest way to freedom is simple:

Build (or buy) something once…
…that pays you every single month.

You don’t need to go big today.
You just need to start the engine.

And once it starts running?

Wealth becomes automatic.

PRESENTED BY PACASO

Former Zillow Execs Target $1.3T Market

Spencer Rascoff co-founded Zillow. Austin Allison sold his company to Zillow for $125M. Now they’re transforming the $1.3T vacation home market via co-ownership. By selling shares of luxury properties, Pacaso’s already earned $100M+ in gross profit.

Invest today →

This is a paid advertisement for Pacaso’s Regulation A offering. Please read the offering circular at invest.pacaso.com.

Fun Stuff

🧩 Riddle

You never see me, but I drive decisions.
I’m not cash, but I affect how it’s spent.
I’m the gap between expectation and reality.
What am I?

🏢 Guess the Company

Clue:
This company started as a Harvard dorm project, had the original motto “Move fast and break things,” and rebranded under a new name in 2021.

🕰️ Financial History: What Happened Today?

June 5, 1967:
The Six-Day War began, and within hours, global oil prices and markets reacted sharply — a major example of how geopolitics can instantly ripple through finance.
Lesson: Markets hate uncertainty more than bad news.

🧠 Brain Teaser

A tech startup doubles its users every week.
After 10 weeks, it has 1,024 users.
How many users did it start with?

*Answers at the bottom

More Newsletters

The Best of The Best Newsletters in:

Making Money - Side Hustle Weekly by TWW - Subscribe Now →

Artificial Intelligence - The AI Report - Subscribe Now →

Technology - Techpresso - Subscribe Now →

Startups - TLDR Newsletter - Subscribe Now →

Stock Market - Early Bird - Subscribe Now →

Personal Development - Field Notes - Subscribe Now →

Look For More →

*Promoted

Fun Stuff: Answers

Riddle - Answer: Market sentiment

Guess the Company - Answer: Meta (formerly Facebook)

Brain Teaser -Answer: 1 user
It doubles each week:
1 → 2 → 4 → 8 → 16 → 32 → 64 → 128 → 256 → 512 → 1024