Newsletter 49: Rich or Wealthy? The Subtle Difference That Determines If You’ll Stay Broke or Build Real Freedom
Hi Hedgelings,
Last weekend, I sat down with my coffee and thought about what really moves the needle—not just in business, but in life. What if you could build something meaningful without burning out? What if making money didn't mean trading more time?
This week’s picks reflect that. They're practical. They're low-cost (some free). And most importantly, they’re doable, whether you're just starting out or already scaling.
Let’s dive in. 🔽
🧳 Side Hustle Spotlight: Start a Digital Product Store (Even If You're Broke)
Printables, templates, ebooks—digital products cost nothing to reproduce and scale beautifully. This guide walks you through launching on Etsy, Gumroad, or your own site, including free tools to get started with $0.
🔗 Launch your low-cost digital shop
Side hustles are great—if you find the right one.
I use Refind to discover low-effort ideas worth your time.
💼 Rich or Wealthy? The Subtle Difference That Determines If You’ll Stay Broke or Build Real Freedom
There’s a difference between looking rich and being wealthy. One fades with lifestyle creep. The other compounds quietly over time. This guide will help you assess which path you're on—and how to shift.
🔗 Read the Rich vs. Wealthy breakdown
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🏋️ Budget Win: Gym Memberships That Cost Less Than Your Netflix
Fitness doesn’t have to be expensive. This list of cheap gym memberships proves you can stay active without blowing your budget. Great for busy side hustlers trying to stay sharp.
🔗 Check out the budget gym list
Want more value-per-dollar tips? Stay sharp with curated reads from Refind: 🔗 Subscribe to Refind for smarter money content
🌸 Self-Care That Doesn’t Suck (or Cost a Fortune)
Burnout is real, especially if you’re juggling a job, a hustle, and a family. This list of meaningful self-care ideas helps you recharge without the guilt trip or expensive spa bill.
Take care of your mindset too—this guide breaks down the habits that help founders avoid burnout: 🔗 Explore the 25 mindset shifts
💵 Circle’s IPO Skyrockets—Here’s Why It Matters
Circle, the company behind USDC (the second-largest stablecoin), just made a historic entrance to Wall Street.
🚀 After its IPO on June 5, Circle (CRCL) opened at $69 and soared over 160% on day one—with shares now trading around $200+.
💰 The company raised $1.05 billion, putting its valuation between $8–19 billion, backed by JP Morgan, Goldman Sachs, and Citigroup.
But this isn’t just hype.
🧠 What’s fueling the rise:
- ✅ The U.S. Senate just passed the Stablecoin GENIUS Act, giving crypto-backed dollar coins like USDC clear legal status.
- ✅ Circle earned its first “Buy” ratings from analysts, including a bullish $235 target.
- ✅ ARK Invest (yes, Cathie Wood’s firm) scooped up a big position—making Circle one of ARKK’s top holdings.
Why it matters for you:
Circle is now the face of regulated crypto adoption—bridging traditional finance with blockchain, while making stablecoins a credible asset class for the mainstream.
📈 If you're looking for a public crypto stock with fundamentals, institutional backing, and real utility—Circle is now on the map.
🤯 Struggling with Info Overload?
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📚 Bonus Book Review: $100M Leads by Alex Hormozi
Rating: ★★★★☆ (4.7/5) — Where Psychology Meets Profit
The Lead Gen Revolution
Alex Hormozi's $100M Leads dismantles everything you know about customer acquisition. This isn't another funnel guide—it's a masterclass in engineering irresistible demand for premium offers. The Acquisition.com team delivers a tactical system that works whether you sell $50 ebooks or $50K consulting packages.
Perfect For:
✔ Bootstrapped founders who can't outspend competitors
✔ Agency owners tired of feast-or-famine cycles
✔ Course creators struggling with ad fatigue
✔ Anyone selling offers above $1,000
Find this book on Amazon.
{Disclosure: This is an affiliate link, so I may earn a small commission at no extra cost to you. Thanks for supporting my work!}
🎓 Final Takeaway
This issue is all about alignment:
- Building things that scale (like digital products)
- Thinking long-term (wealth > rich)
- Taking care of your body and mind (cheap gym, smart self-care)
- Staying informed without the stress (Circle’s rise + curated tools)
Pick one small move this week and test it. Your future self will thank you.
Stay sharp, stay spiky — be the hedgehog with a strategy,
— Mindy
Founder, Hedgehog Huddle
P/S: The biggest cost in personal finance isn’t bad investments—it’s indecision. These free newsletters help you make smarter money moves without hours of research.