Happy Monday,

Angelo here! Welcome to New Money, where we go over weekly tips to help you build your wealth, one dollar at a time.

Today’s edition:

• The 5-step guide that helped me go from broke to building wealth

• How to automate your investing and grow money on autopilot

• Trump’s new Fed pick, Solana’s ETF debut, and more

Read time: 3 min 30 seconds

💰 Wealth Tip of the Week

I remember staring at my phone, refreshing my bank app over and over like my $58 would magically grow. It never did.

I wasn’t just broke in my wallet. I was broke in the way I kept waiting for life to get easier on its own.

Nobody talks about the part of making money when you’re not lazy, you’re not stupid. You’re just tired. 

That’s where most people stop because it’s exhausting to keep trying when progress seems so slow.

But that was also the moment everything started to shift for me. 

I finally stopped waiting for things to change and learned how the money game REALLY works.

I’ll share the guide that turned tired, broke days into progress.

1. Own the Game

When I was broke, I blamed everything else — the economy, bad luck, my job.

Psychologists call it self-serving bias: our brain protects our ego by convincing us we’re not the problem.

Once I said “my finances are my responsibility,” everything changed.

Write down every money problem in your life right now and make a counter move for each.

Here’s how to do it:

• Debt – List every amount you owe and write the smallest payment you can make this week.

• Spending – List where your money goes and circle one expense you can reduce or cut completely this week.

• Habits – Write one habit holding you back. It could be delaying payments or spending before saving. Do differently today.

2. Use What You Have

I didn’t have much money to start, but I had time, energy, and curiosity.

I flipped used books online, offered small freelance gigs and learned basic editing, anything that made me $300 outside my paycheck.

Everyone has something. A skill, a story, a connection, an extra hour.
If you can sell it, teach it, or help someone with it, that’s your seed capital.

The overwhelming majority (79%) of millionaires are self-made. They started with time and skill, not inheritance.

Find one skill you can turn into cash this week whether that’s editing, selling, designing, tutoring, whatever you know.

Reach out to someone, make an offer, get a “yes.”

3. Learn the Rules Early

I used to think investing was only for people who already had money.

You don’t need a lot to start. 

When I started, I had no mentor, just research and mistakes.

That’s why I built this platform to make the start simple for beginners who want to learn fast.

Check out my latest YouTube video where I break it down step-by-step so you can follow along.

Investing isn’t about getting rich fast. Start small but start now.

4. Stay in the Game

Starting something new is exciting until it’s not.

You invest once, then forget about it, or pull the money out when things get tight.

The truth is, money doesn’t grow for people who do it perfectly.

It grows for the ones who do it consistently.

Vanguard found that those who stayed invested during market dips earned more than those who sold early.

The Anti-Quitting Commitment:

1. Pick your amount — $50, $500, whatever you can stick with for 90 days. Make it non-negotiable.

2. Automate it — Set the transfer the day after payday so it happens on autopilot. No willpower needed.

3. Track your consistency — Screenshot your balance or jot it down monthly and it’s proof you didn’t quit.

Try this simple investment calculator, plug in your numbers and see how staying consistent still wins over time.

5. Build Your Freedom Formula

By now, you’ve learned how to earn, save, and invest but the real goal isn’t just to make money.

It’s to use money to buy back your time.

The Freedom Formula:

• Funds for Now: Covers your life today — bills, food, rent, and basics.

• Funds for Later: Grows quietly for your future — Here are my top picks for savings and investments.

• Funds for Fun: Reminds you that money is a tool, not a trap — guilt-free spending that makes life feel good.

Every small choice you make today is proof you’re no longer waiting for things to change, you’re the one changing them.

You’ve got this, and I can’t wait to hear how far you’ll go.

💸 Automate Your Wealth

One of the simplest ways to start building better money habits in your 20s is by setting up a few key automations.

Most people don’t - which can make it harder to stay consistent over time.

So if you’re serious about getting ahead, here are 3 automations I use to grow my investments on autopilot:

1. Reinvest your dividends (DRIP)

Some stocks and ETFs pay you just for owning them. With a DRIP (Dividend Reinvestment Plan), automatically uses your dividends to buy more shares of the same stock — no extra steps needed.

2. Set up auto-deposits

Pay yourself first. Each month, I have a set amount automatically transferred from my checking account into my brokerage. Even $50/month adds up fast.

3. Auto-invest your deposits

I don’t let cash sit idle. With Webull, I can automatically invest my deposits into ETFs like VTI or stocks like Google without lifting a finger.

I’ve been using Webull for over 5 years to do all of this. It’s beginner-friendly, clean, and free.

If you want to automate your investing and stop falling behind, Webull is a great place to start.

Start automating with Webull → (CHECK IT OUT HERE)

📉 Market Recap

Check out some of the biggest stories shaking up money, markets, and momentum this week.

• Trump’s new Fed choice boosts stocks and may lower loan rates

• Solana ETFs debut in the U.S.: could this spark the next crypto wave?

• Apple iPhone 17 hype lifts profits and may push stock up 10%

• Big Tech just raised AI spending which means faster tools but pricier tech

👀 In Case You Missed It

Ever wonder how investing actually works? I broke it down in 120 seconds in this vid

See y’all next week 🫡

- Angelo Castillo

Disclaimer: This is not financial advice or investment recommendations. The content is for informational purposes only, and it should not be considered as legal, tax, investment, financial, or other advice.

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