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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
Stock Market Update
U.S. equities moved higher overall, but with mixed sector leadership:
Indexes:
Dow +0.15%
S&P 500 +0.15%
Nasdaq +0.28%
Russell +0.41%
VIX +4.28% (volatility ticked up, though still low)
Under the hood:
Strong performers:
CoreWeave (+12.5%) — notable breakout day
Oracle (+3.05%), Costco (+1.98%), LULU (+2.57%), TSLA (+0.85%)
Lagging/soft names:
Citigroup (-3%), Macy’s (-5.42%), Visa (-1.81%)
Ethereum-linked equities and broad tech names saw mild weakness
Market vibe:
The tape is rallying modestly with pockets of strength — particularly in enterprise tech and names with strong earnings outlooks — while other areas remain range-bound or weak. The slight VIX uptick suggests traders are hedging even as prices climb.
Stocks Tip:
Rotation matters. When indexes climb but leadership fragments, vector your watchlist toward sectors showing expansion in earnings and breadth, not just headline performance.
Crypto Update
Today’s price action shows mixed but steady behavior:
Bitcoin (~$91.4K) — slight dip intraday but holding in a tight range.
Ethereum (~$3,100) — modest declines.
BNB, SOL — small gains on the day.
Altcoins like Monero still showing strong weekly performance.
The trend:
Crypto isn’t trending strongly in either direction today — rather, it’s digesting recent gains and letting key support levels hold. This kind of range activity often precedes a bigger breakout or breakdown, so keep an eye on volume and trend breaks for clues.
Crypto Tip:
In choppy or sideways markets, consider interval buys (laddered entries) rather than one-time large positions — it smooths cost basis and reduces timing risk.
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Real Estate Update
Big housing shift underway — mortgage “lock-in” is easing
One of the biggest narratives today comes from the U.S. housing market: the long-standing mortgage rate lock-in effect is finally weakening. Historically low sub-3% mortgage rates kept many homeowners from selling because they didn’t want to give up cheap financing. Now, for the first time in years, there are more homeowners with mortgage rates above 6% than below 3% — meaning more people may be willing to sell or trade up.
What this could mean for investors and buyers:
More inventory ahead: With fewer people holding onto ultra-low rates, listings may increase.
Affordability slowly improving: Especially in regions where inventory is growing faster (like the Midwest).
Seasonal opportunity: January historically offers bargains compared with spring selling peaks.
Real Estate Tip:
If you’re scouting deals, monitor local inventory growth and rate dynamics — they’ll tell you more about momentum than national index movements alone.
Resource Update
Commodities saw broad strength today:
Precious Metals
Gold: ~$4,614 (+1.92%)
Silver: ~$85.95 (+6.54%)
Platinum: ~$2,355 (+2.95%)
Palladium: ~$1,890 (+2.19%)
Metals are solidly higher, reflecting both flight-to-quality flows and renewed safe-haven interest amid macro policy noise. Silver especially showed strong gains, and analysts note its dual role as both a hedge and industrial commodity.
Energy Futures
WTI Crude: ~$59.50 (+0.7%)
Brent: ~$63.90 (+0.9%)
Gasoline & Heating Oil: also higher
Natural Gas: ~3.39 (+6.9%)
Energy prices climbed broadly, with natural gas showing especially strong gains — a signal that weather and demand expectations are still key drivers.
Resources Tip:
Use metals and energy as risk diversifiers — they don’t always move with stocks and crypto, so they can smooth volatility when other markets hesitate.
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.
