Welcome Back,
Hi 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
Stock Market Update
Indices: quiet grind higher, small caps leading
From the index snapshot:
Dow: essentially flat (-0.07%) after a choppy session.
S&P 500: +0.11% and
Nasdaq: +0.22% — both nudging higher.
Russell 2000 (small caps): the standout at +0.76%, signaling risk-on interest in smaller names.
VIX: down almost -1.9%, confirming a calmer, more optimistic tape.
Notable single-stock moves from your board:
CoreWeave (CRVW) ripped +8%, continuing its momentum as one of the AI-infrastructure darlings.
Oracle (ORCL) and Meta (META) both logged strong green moves (~+3%+ intraday), showing how investors still reward profitable, cash-rich tech.
Opendoor (OPEN) jumped ~+9%, a nice pop for a housing-linked name as rate expectations ease.
On the flip side, Costco (COST) and Micron (MU) took meaningful hits (roughly -3% range), likely mild profit-taking after strong prior runs.
Investor takeaway:
Today looks like “selective optimism”: quality tech, AI, and some beaten-down cyclicals are getting bids, while expensive leaders see mild air-pockets.
If you’re stock-picking, this is a good day to upgrade quality—rotate from names that are just “going along for the ride” into companies with visible earnings and strong balance sheets.
Crypto Update
Majors: calm surface, mixed currents underneath
From your dashboard:
Bitcoin (BTC) sits around $92.3K, roughly flat on the day, slightly down over 24 hours, but still up over the past week.
Ethereum (ETH) is trading near $3.1K, also basically flat day-to-day with better 7-day gains than BTC.
Stablecoins (USDT, USDC) are doing their job, hugging $1.00.
Alt layer-1s and DeFi names (SOL, TRX, etc.) show the usual scattered picture: a mix of small red 24-hour moves but solid green on the 7-day column, which tells you risk appetite is still alive.
Investor takeaway:
This is a “drift, not shock” day in crypto—no big liquidation events, but also no breakout.
Great environment to rebalance: trim anything that’s run too far in the last week and rotate a slice into safer spots (stables or BTC) if your allocation has crept above your comfort zone.
Real Estate Update
Mortgage pressure, prices still inching up
30-year fixed mortgage rates slipped again, averaging about 6.2% this week, down from the 7%+ levels we saw earlier this fall. Lower rates are slowly reviving buyer interest and refi quotes.
On the pricing side, U.S. home values are still up year-over-year, with FHFA’s latest data showing ~2.2% annual price growth from Q3 2024 to Q3 2025 and modest 0.2% gains quarter-over-quarter. Most states saw prices rise, with only a few Sunbelt markets, like Florida, showing declines.
Investor takeaway:
Falling rates + positive price drift = better entry point for long-term buyers, but cash-flow is still tight in high-price, high-tax markets.
If you’re hunting deals, focus on markets where rents are rising faster than prices and where insurance/property taxes haven’t exploded (often Mid-Atlantic or Midwest metros rather than the hottest Sunbelt names).
Resource Update
Energy edges up, metals split
From your commodities dashboard:
Crude oil:
WTI around $59.7/bbl, up ~1.2% today.
Brent near $63.3/bbl, also +1.1%.
Natural gas adds about +1.4%, continuing its winter-demand grind higher.
Metals:
Gold is steady-strong at $4,226/oz, a small +0.1% uptick.
Silver slips ~-2.3%,
Platinum is off ~-1.5%,
Palladium dips slightly.
Investor takeaway:
Today is a modest “reflation + safety” combo—energy up (better for producers, inflation expectations) while gold quietly holds its role as a hedge.
If you’ve been underweight real assets, this kind of slow, steady trend is a reminder that a 5–15% allocation to commodities/precious metals can help smooth the ride when stocks whipsaw.
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.
