The essay discusses achieving $1K/month in passive income, emphasizing the need for careful investment like dividend stocks and REITs or pursuing digital options. It highlights the importance of commitment and the challenges of setup, scaling, and taxes.

Lithium prices have recently fallen sharply, with battery-grade lithium carbonate reaching a four-year low, mainly due to oversupply. However, long-term demand remains strong, driven by energy transition and climate goals. Despite short-term fluctuations, the industry landscape is being reshaped, and promising companies are still worth following.

Fed Chair Powell's warning about stock valuations has intensified concerns as tariffs impact the economy. Key indicators show declining jobs, rising unemployment and inflation, and plummeting consumer sentiment, suggesting Wall Street's optimism may be unfounded.

Barrick Gold has reached a settlement with Mali's government, dropping legal charges and regaining control of the Loulo-Gounkoto mine complex. This deal stabilizes Barrick's operations in Mali and paves the way for future partnerships, while geopolitical risks persist.

Recently, there has indeed been something happening with XRP. The newly approved Spot ETF (Canary XRP ETF) attracted $250 million in just two days, marking the strongest start for a crypto ETF this year. Ripple is also advancing institutional access, with over 300 banks and financial companies already connected to its cross-border Settlement network. The XRP Ledger has also launched an AMM( and RWA tokenization tool, making its features increasingly complete. With XRP treasury companies like Evernoth starting to raise funds, the entire ecosystem does seem to be heating up.
But there is a key question here: how much of the increase can really be retained?
What earnings can be retained
The increase in XRP comes from two sources, with completely different durability:
Can be left (fundamentally driven)
- On-chain transaction growth (payments, asset tokenization, DeFi activities)
-

Let's be real—most people think making money in crypto means staring at charts 24/7 and praying for the next pump. But 2026 is different. With institutional money flowing in and regulatory frameworks actually starting to make sense, there are legit ways to earn without becoming a full-time

Okay, so Nvidia just dropped absolutely stellar Q3 earnings and made some bold calls about AI sticking around for the long haul. Spoiler alert: the market loved it, and Asia basically said "let's ride this wave."
The Scorecard:
- Japan's Nikkei jumped 2.65% to 49,823.94—finally broke a four-game lo

It's never too late to grow your nest egg. With strategies like compound interest, catch-up contributions, side hustles, delaying Social Security, and smart healthcare planning, you can enhance your retirement savings effectively.

Lots of people think IRAs work like 401(k)s—you can tap into them whenever you need cash. Nope. That's the biggest misconception about retirement accounts.
Here's the reality: IRAs don't have a loan option. Period. Any money you pull out = distribution, not loan. And distributions hit different

The essay discusses Fed Chair Powell's warning about overpriced stocks and presents concerning economic indicators, including low consumer sentiment and job growth. It highlights the negative impact of Trump's tariffs on inflation and employment, cautioning that market optimism may be unsustainable.

Investing in Beyond Meat stock has resulted in an 80% loss over the past year, while the S&P 500 would have yielded gains. Beyond Meat's recent revenue decline indicates declining consumer interest, showing meme stocks lack stability compared to index funds.

WTI crude oil prices fell 2.01% to $59.52/barrel due to oversupply concerns driven by rising inventories, geopolitical uncertainty, and market positioning. Mixed data signals and a potential return of Russian oil following peace talks add to the bearish outlook, with forecasts predicting a global surplus by 2026.

The article discusses the market performance of XRP, particularly the rise trend before Ripple CEO Garlinghouse appeared on CBS's "60 Minutes". Influenced by the potentially favourable information from Trump regarding XRP, the XRP price rose by over 400%. Compared to DOGE, XRP has actual use cases and a more stable supply, but one should be cautious of market fluctuations and risks, and it is recommended to invest only with spare money.

Ramit Sethi advocates for a balanced approach to money that prioritizes both enjoyment and security. His "Money Dials" method encourages spending on what brings joy while minimizing unnecessary expenses, emphasizing that wealth-building can coexist with living well.