May 30th, 2025

Welcome Back,

We made it to the end of the week—barely, or beautifully, or both. Either way, you’re here, and that’s something to celebrate.

Quick question: if money really did grow on trees, would you plant an orchard or just one really stubborn bonsai? 🍃

Today, we’re talking about something even better—how the wealthy stack their income in layers, like a financial lasagna, to build money machines that keep running rain or shine. Sound fancy? It’s actually pretty doable (and dare I say, kind of fun).

“The goal of the investor should be to purchase a dollar of value for 50 cents.”
— Warren Buffett

Every "overnight success" is usually 10 years of quiet persistence.
Are you patient enough to grow behind the scenes?

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

Market Update

Market Update: Markets showed modest gains today, with the Nasdaq, S&P 500, and Dow Jones all posting increases under half a percent. Precious metals also saw positive movement, as gold rose 0.61% and silver climbed 0.84%. On the downside, Bitcoin took a 1.50% hit, slipping to $106,304.60. Lucid Motors was the biggest loser, tumbling 8.37%, while Ford and Tesla saw slight gains. Overall, the market leaned green, signaling cautious optimism heading into the end of the week.

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Travel

Airbus Delivery Delays Push to 2028 Due to Supply Chain Woes

Airlines Brace for Fleet Setbacks and Potential Scheduling Challenges

Airbus has officially announced that deliveries for several of its commercial jets will be pushed back to 2028, citing ongoing supply chain disruptions that continue to rattle the global aviation industry. This delay is more than just a production hiccup — it could have ripple effects across the travel and airline sectors.

Key Factors Behind the Delay:

• Supplier Shortages: From engine parts to avionics systems, multiple suppliers are struggling to meet production targets.

• Post-Pandemic Lag: The aviation industry hasn’t fully recovered from COVID-era supply halts and labor shortages.

• Increased Demand: As global travel rebounds, Airbus is under pressure to meet rising airline orders — but the pipeline is clogged.

Impact on Airlines and Travelers:

• Airlines planning to expand or modernize fleets will now face slower rollouts, forcing them to extend the life of older aircraft.

• Potential flight shortages could lead to higher ticket prices, especially during peak travel seasons.

• Business travel itineraries could see adjustments due to capacity constraints.

Lifestyle

Pentagon Considers Scaling Back Military Relocations

Proposal Aims to Reduce PCS Frequency and Improve Military Family Life

The Department of Defense is weighing a new proposal that would reduce the frequency of Permanent Change of Station (PCS) moves for U.S. military personnel — a move that could reshape military family dynamics across the country.

Why This Matters:
Military families currently relocate, on average, every two to three years. While these moves are part of the job, they come with emotional and financial tolls.

Key Goals of the Proposed Change:

• Support Spouse Employment: Frequent relocations often disrupt military spouses’ careers, creating income instability and underemployment.

• Stabilize Children's Education: Repeated school changes can affect academic performance, social development, and mental health.

• Enhance Family Well-being: Reducing the number of moves could ease stress and improve retention among military families.

What’s Next:
If the proposal is approved, it would mark a significant cultural shift in military policy, moving toward longer-term postings and more predictable family planning.

World

Climate Outlook: Global Temperatures to Stay at Record Highs

WMO Warns of Prolonged Heat, Urging Action and Adaptation

The World Meteorological Organization (WMO) has issued a sobering climate forecast: global temperatures are expected to remain at or near record highs for the next five years. This announcement reinforces what scientists have been warning for years — the world is warming, and it’s not slowing down.

The Forecast in Focus:

• Consistent Heat Levels: The next five years are likely to include the hottest years ever recorded, continuing a dangerous trend.

• Amplified Weather Events: Heatwaves, droughts, and extreme storms are likely to become more frequent and intense.

• Oceans Under Stress: Warmer global temperatures are also raising sea levels and disrupting marine ecosystems.

What This Means Globally:

• Governments and industries must prioritize climate adaptation — from infrastructure changes to disaster preparedness.

• Increased urgency around decarbonization efforts, including renewable energy expansion and emissions reductions.

• Communities in vulnerable regions, particularly in the Global South, face heightened climate risks without substantial international aid.

Investing

Capital Power Closes $1.2 Billion Offering to Fuel Growth

Senior Notes to Fund Expansion and Strengthen Balance Sheet

Capital Power has completed a $1.2 billion private placement of senior notes, a major financial move that positions the energy company for future growth and strategic flexibility.

Details of the Offering:

• $700 million in senior notes due in 2028

• $500 million in senior notes due in 2035

Purpose of the Funding:

• Growth Initiatives: Funds will support expansion projects, including clean energy infrastructure and new asset development.

• Debt Refinancing: Part of the capital will be used to retire or refinance existing obligations, potentially lowering long-term interest expenses.

Why It Matters:

• This substantial financing signals investor confidence in Capital Power’s business model and long-term strategy.

• It also aligns with broader energy trends as utility companies invest in sustainable and resilient power systems.

Government

Trump Tax Bill Draws Fire Over Social Security Provisions

Senior Deduction Falls Short of Expectations, Critics Say

Despite campaign promises of “no tax on Social Security,” the Trump administration’s latest tax legislation has sparked debate over what it actually delivers for seniors. While it includes a proposed $4,000 senior deduction, critics argue that it doesn’t fully eliminate taxes on Social Security benefits.

The Controversy:

• Campaign vs. Policy: Many seniors were led to believe their benefits would become completely tax-free.

• Deduction Details: The $4,000 deduction would reduce taxable income, but not necessarily remove all tax obligations tied to Social Security.

Reactions and Concerns:

• Advocacy groups say the bill falls short of meaningful relief, especially for retirees on fixed incomes.

• Fiscal watchdogs warn that partial tax relief could create confusion and inequity, benefiting some seniors more than others.

• Some lawmakers are calling for a more comprehensive plan to protect Social Security’s value.

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Today’s Snapshot

The 3 Income Layers: How the Wealthy Build Durable, Multi-Stream Money Machines

If you look behind the curtain of anyone who’s truly financially free—whether a C-suite exec, seasoned investor, or stealthy entrepreneur—you’ll usually find one thing in common:

They don’t rely on one income stream.
They build income layers that stack, protect, and multiply their wealth.

This is a shift from the “just get a good job” advice many of us were taught.

Today, if you want to build lasting wealth, you need to understand and implement what I call the Three Income Layers framework.

Let’s break it down 👇

🥇 Layer 1: Active Income (Earned Income)

This is the foundation. It’s the money you earn by trading time, energy, or skills for dollars.

Examples:

• Salary from a corporate role

• Freelance or consulting fees

• Revenue from client work

• Tips, commissions, contracts, etc.

Why it matters:

• It funds your life and your investments.

• It’s typically the fastest way to generate cash flow.

• For most people, it’s the first and only income stream.

But here’s the truth:
Relying only on active income keeps you stuck in the “work-to-live” loop. If you stop working, the money stops flowing.

The wealthy use active income as fuel—not the destination.

🥈 Layer 2: Business Income (Scalable Income)

This is where your time starts to detach from your dollars.

Business income can come from:

• Owning an online business or productized service

• Running a consulting agency with contractors

• Building a brand with recurring or passive monetization (like a newsletter 😉)

• Selling digital products, memberships, courses, SaaS, etc.

This layer creates leverage:
You build something once and get paid over and over.

Benefits of this layer:

• Greater control over your income

• Higher upside compared to W-2 jobs

• Tax advantages (business write-offs, entity structuring)

This is the income stream most high-net-worth individuals lean into. It’s where you can make $50K in a week instead of $50K a year.

🥉 Layer 3: Investment Income (Passive + Compounding)

This is the layer where your money works harder than you do.

Forms of investment income:

• Dividends from stocks or funds

• Interest from savings or debt instruments

• Cash flow from real estate

• Gains from buying low/selling high (stocks, crypto, startups, etc.)

Why this layer matters:

• It compounds over time

• It provides income without labor

• It can replace your active income eventually

True wealth lives here.
It’s slow to build, but powerful once it starts snowballing.

📊 The Goal: Build All 3 Layers, Intentionally

Each income layer serves a purpose. You don’t have to build them all at once, but you should know what layer you’re in—and where you’re headed.

Here’s a simple mental model:

🔑 How to Start Building Multiple Layers (From Any Starting Point)

No matter who you are—VP, solopreneur, recent grad—this system works if you start small and stay consistent.

✅ If you’re in a corporate role:

• Use your high salary to build Layer 3 via smart investing

• Start a low-lift side hustle (Layer 2) to diversify

• Learn skills that make you indispensable (Layer 1 security)

✅ If you run a business:

• Pay yourself first—invest consistently

• Productize or automate parts of your offer

• Use Layer 2 profits to feed Layer 3

✅ If you’re starting from zero:

• Get good at a high-demand skill (Layer 1 fuel)

• Freelance to gain cash flow and experience

• Use profits to launch simple digital assets or start investing with as little as $100/month

🧠 Final Thought: Wealth is Built in Layers, Not Leaps

It’s tempting to chase the quick win or “skip ahead” to passive income from day one.

But the real players understand:

It’s not about having one stream that explodes.
It’s about building layered income that protects, scales, and compounds.

Start with what you have. Stack slowly. Play the long game.

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Fun Stuff

😂 Funny Joke

Why did the cryptocurrency investor bring a ladder to the bank?
Because he heard Bitcoin was climbing again.

🧩 Riddle

I don't sleep, yet I open and close.
I'm watched worldwide, but exist in only a few places.
I'm full of bulls and bears, but no animals.
What am I?

🕰️ Financial History: What Happened Today?

May 30, 1896:
The Dow Jones Industrial Average was first published! It included just 12 companies, mostly industrials. Today, the DJIA is one of the most-watched stock indices in the world.

🤔 Would You Rather

Would you rather…

• Start a business that earns $250K/year with lots of stress and 80-hour weeks,
  OR

• Own a portfolio that pays $75K/year passively and grows slowly?

(Time vs. hustle. What's wealth without quality of life?)

*Answers at the bottom

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Fun Stuff: Answers

Riddle - Answer: A stock exchange