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Hi Everyone,
We hope you’re having a great week.
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Read on for this week’s breakdown of the markets!
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A quick breakdown — in case you don’t have the time.
⭐ Crypto has pulled back, but the trend remains in-tact.
⭐ We broke down five side hustles that actually work.
⭐ Job security fears are rising across America.
⭐ Corporate earnings are booming — and the market is taking notice.
⭐ SoftBank sold its entire Nvidia stake for $5.8 billion.
Market Overview
As of market open, 11/13/25
Chart of the Week
Crypto saw a sharp pullback in fund flows — but the bigger trend is still intact.
Crypto investment products recorded –$1.2 billion in net outflows last week, the second-largest weekly outflow since March and the second straight week of declines.
Bitcoin accounted for the bulk of the move at –$932 million, with Ethereum seeing -$438 million in outflows. Short Bitcoin products, meanwhile, saw their largest inflow since May — a sign some traders are positioning defensively.
Yes, last week’s downswing was meaningful — but it doesn’t change the structural setup. Liquidity is improving, spot ETF flows remain historically strong, and we still expect a powerful end-of-year and early-2026 rally as rate cuts, the government reopening, tech sentiment, and institutional demand all align.
We’re NOT selling into weakness. In fact, we’ve been adding. Volatility is normal — conviction is what gets rewarded.
Today’s Rich Habits Newsletter is brought to you by Public, the investing platform that combines a broad range of asset classes with the tools you need to build and manage your wealth.
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In Case You Missed It…
In this week’s Monday-morning episode of the Rich Habits Podcast (linked here) — Austin and Robert broke down the side hustles that actually work in 2025. Not pipe dreams. Not scams. Just real, low-friction ways to add $500–$2,000+ to your monthly income.
Here’s why this matters: more Americans now work multiple jobs than at any point since 2019, and with rising costs, you can only cut expenses so far. Your income is the true unlock — and even small boosts compound fast when saved and invested.
Here’s what they covered…
Tutoring & Test Prep — Tutors earn $25–$75/hour, and SAT/ACT tutors can charge $50–$100+. Five hours a week at $40/hour is $800/month. Easy to start through Facebook groups or platforms like Wyzant.
Local Freelancing — Small businesses will pay $25–$100/hour for help with design, bookkeeping, writing, social media, and more. Target local businesses instead of competing on Fiverr — recurring clients can quickly turn into $1,000–$5,000/month.
Task Gigs — Think TaskRabbit, moving help, yard work, or furniture assembly. Many workers earn $30–$60/hour, with single jobs paying $100–$300. No certifications, no startup costs — just show up and work.
Pet Services — Dog walking pays $15–$40 per walk; pet sitting pays $25–$100+ per day. Walking five dogs a day at $25 each is $2,500/month. Rover makes it easy to get started and build recurring clients.
Renting Out What You Own — Parking spaces, tools, your car, spare room, or even your backyard can bring in $50 to $2,000+ monthly. Platforms like Turo, Airbnb, Neighbor, and Peerspace make it nearly passive.
Austin and Robert wrapped with this takeaway: pick one side hustle, commit for 3–6 months, track your earnings, and scale from there. An extra $500–$1,000 a month can completely change your financial trajectory.
Here’s a link to the Q&A episode that was posted this morning.
You can submit questions for these episodes by asking them inside of the Rich Habits Network, replying to this email, or sending us a DM on Instagram.
The Rich Habits Podcast is available on Spotify, Apple, iHeart, YouTube, and wherever else you get your content!
Robert’s Callout
Job security fears are rising across America.
A new Harris Poll shows that 55% of employed Americans are worried about losing their jobs — the highest level we’ve seen in years. And what’s striking is how broad this concern has become. The anxiety cuts across every group: Democrats, Republicans, independents… and every income bracket from under $50K to well over $100K.
Even high earners aren’t immune. Roughly half of Americans making six figures now say they’re at least somewhat concerned about job stability — a reminder that in today’s economy, nobody feels completely safe. Whether it’s AI automation, corporate restructuring, or slower hiring, the pressure is real.
This doesn’t mean panic — it means preparation. Periods of uncertainty are exactly why you build emergency funds, stack skills, maintain side income streams, and keep your resume (and network) warm.
Control what you can control. Strengthen your financial foundation. And remember: the people who stay proactive during uncertain times always come out stronger on the other side.
Austin’s Callout
Corporate earnings are booming — and the market is taking notice.
S&P 500 earnings growth just surged to +18% year-over-year in Q3, the strongest pace we've seen since 2021 — and the strongest non-post-pandemic growth since 2018. Corporate America isn’t just holding up… it’s accelerating.
Six of the 11 S&P sectors posted positive EPS growth this quarter, compared to just two last quarter — a massive shift in breadth. And it’s not just the mega-caps doing the heavy lifting. Median profit growth in the Russell 3000 jumped to +11% YoY, the highest since Q3 2021 and nearly double Q2’s pace.
The kicker? The rate of companies beating earnings estimates is now one of the highest on record. This is broad, durable momentum — not a fluke or a one-off quarter.
When profits rise, markets usually follow. Earnings remain the engine of long-term returns, and right now, that engine is running hot.
The Rich Habits Radar
👉 Trump signed the House bill to reopen the government.
👉 AMD CEO projects a $1 trillion market for data centers & AI infra by 2030.
👉 Cisco beat earnings with EPS up +10% and raised revenue guidance.
👉 Nebius posted Q3 revenue up 355% YoY but still missed estimates.
👉 On Holding soared +20% after raising its full-year outlook.
👉 SoftBank sold its entire $5.8B Nvidia stake to buy OpenAI shares.
👉 Trump hosted a private White House dinner with top Wall Street leaders.
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