Your Weekly Deposit
The Market Hit All-Time Highs This Week. Here's What That Means for Your Money (And Your Future)
Can we be honest for a second?
I know you opened this newsletter because something in you wants more than what you currently have. More freedom. More options. More security. More control over your time and your life.
And I also know that investing feels overwhelming, confusing, and like something “other people” do—people who grew up with money, who have finance degrees, who somehow just “get it” in ways you don’t.
I see you, beautiful. Because I was you.
But here’s what I learned that changed everything: The market doesn’t care about your background. It doesn’t care if you’re scared. It doesn’t care if you don’t have a finance degree.
The market only cares about one thing: Are you in or are you out?
And this week, the market proved once again why being “in” matters.
The Week the Market Made New Millionaires (While Others Watched)
Let me paint you a picture of what happened this week:
Monday morning: You woke up, scrolled through the news, saw some scary headline about economic uncertainty, and thought, “Maybe I should wait to invest.”
By Friday: The S&P 500 had climbed to all-time highs. Record territory. The kind of levels that make financial historians take notice.
And somewhere, two women had two very different weeks:
Woman A had been consistently investing $200 a month into a diversified portfolio for the past two years. This week, she watched her account hit a milestone she’d been working toward. She didn’t do anything special. She didn’t have insider information. She just stayed consistent, and the market rewarded her patience.
Woman B had been planning to start investing “once things settled down.” She’s been saying that for two years. This week, she watched the market hit new highs and felt the familiar pang of regret. Again. She told herself she’d start soon. Maybe next month. Maybe next year.
Which woman do you want to be next year?
Let’s Talk About What Actually Happened (In Plain English)
📈 The Market Keeps Climbing
Despite every pundit predicting doom, despite the headlines screaming about problems, despite everyone saying “wait for the crash”—the S&P 500 hit new record highs this week.
What this tells us:
Companies are making money
Investors have confidence in future growth
The economy, despite its problems, is still functioning
Waiting for the “perfect time” means missing real gains
And before you say, “But Dominique, doesn’t this mean it’s too expensive to buy now?”—let me remind you of something crucial:
The market has hit “all-time highs” hundreds of times in its history. And every single time, people said it was “too expensive.” And every single time, the market eventually went HIGHER.
Do you know what the people who built generational wealth did? They bought at all-time highs. They bought during crashes. They bought during uncertainty. They just kept buying.
Because they understood something most people don’t: Time in the market beats timing the market.
💼 Earnings Season Delivered Some Game-Changers
This week, we got earnings reports from some of the biggest companies in the world. And the story they’re telling is fascinating:
The AI Revolution Is Real (And Profitable)
Companies investing in artificial intelligence aren’t just burning cash on hype—they’re making money. Real revenue. Real profit. Real growth.
This matters for you because:
Innovation creates wealth. The companies leading technological change tend to create the most wealth for their shareholders
You can own pieces of these companies through simple index funds or individual stocks
The AI transformation is still early—which means opportunity
Consumers Are Still Spending
Despite everything, people are still buying things. They’re still taking vacations. They’re still upgrading their phones. They’re still living their lives.
And when consumers spend, companies make money. And when you own shares of those companies, you make money.
What The Earnings Tell Us About YOUR Strategy
The companies winning right now share some common traits:
Strong management teams
Clear competitive advantages
Real revenue growth (not just hype)
Products/services people actually need
And here’s the beautiful part: You don’t need to pick the perfect stock. A broad index fund gives you exposure to the winners automatically.
🏦 The Fed’s Decision (And Why Your Savings Account Isn’t Saving You)
The Federal Reserve decided to keep interest rates unchanged this week. For most people, this is boring news. But for you? It’s actually critically important.
Here’s why:
When I talk to women about why they haven’t started investing yet, one of the most common things I hear is: “But my high-yield savings account is paying 4-5%! Isn’t that good?”
And yes, compared to the 0.01% we were getting a few years ago, it feels good.
But let’s run the numbers on what “safe” is actually costing you:
The Real Cost of “Playing It Safe”
Imagine you have $20,000 you’re ready to put toward your future:
Scenario 1: Keep it “safe” in a high-yield savings account at 4.5%
Year 1: $20,900
Year 5: $24,930
Year 10: $31,120
Year 20: $48,650
Scenario 2: Invest it in a diversified portfolio averaging 10% (historical average)
Year 1: $22,000
Year 5: $32,210
Year 10: $51,875
Year 20: $134,550
Let that sink in for a second.
The difference between “safe” and strategic is $85,900 over 20 years.
On just $20,000.
Now imagine if you also added $500 a month consistently over those 20 years:
Savings account route: About $215,000
Investment route: About $380,000
That’s a $165,000 difference.
That’s not just retirement money, beautiful. That’s Freedom Money. That’s quit-the-toxic-job money. That’s work-part-time-and-travel money. That’s start-the-business-you’ve-been-dreaming-about money.
That’s the difference between designing the life you want and settling for the life you can afford.
The Women Who Are Winning (And What They’re Doing Differently)
Let me tell you about three women I’ve worked with recently:
Jasmine, 34: Started investing $300/month two years ago despite being terrified she was “doing it wrong.” Today, her portfolio is up 28% and she just calculated that if she stays consistent, she can work part-time by 45.
Michelle, 42: Thought she was “too late” to start investing. Began with just $100/month. Sixteen months later, she’s increased to $600/month and stopped feeling behind. She told me: “I finally feel like I have control over my future.”
Tanya, 29: Was convinced she needed to save $10,000 before investing. Started with $50/month instead. In 18 months, she’s built a $2,400 portfolio that’s already up $400. She says the confidence is worth more than the money.
What do they all have in common?
They started before they felt ready
They stayed consistent even when the market scared them
They educated themselves instead of staying paralyzed
They focused on progress, not perfection
They’re not special. They don’t have secret knowledge. They just started.
And that’s what I want for you.
Your Blueprint: The Cash Flow Code MasterClass
Look, I could keep sending you newsletters about market updates and you could keep reading them and feeling motivated for exactly 24 hours before life gets in the way again.
Or.
We could do something different.
The Cash Flow Code MasterClass isn’t about theory. It’s not about overwhelming you with information you won’t use. It’s not another finance class that makes you feel stupid.
This is about building a portfolio that generates cash flow—money that hits your account regularly, not in 30 years.
In this MasterClass, you’re going to learn:
✅ How to build your first portfolio (or optimize the one you have) for cash flow—not just growth
✅ The exact strategy I use to generate monthly income from my investments
✅ How to pick investments that align with your lifestyle goals (not just retirement)
✅ How to calculate how much you actually need to invest to create the life you want
✅ The psychological traps that keep beginner investors broke (and how to avoid them)
✅ Real portfolio examples from women just like you who are building Freedom Money
Plus: The Cash Flow Code Challenge
This isn’t just learning—this is doing. The challenge component means you’ll walk away with:
Your own investment plan customized to your goals
Action steps you can implement immediately
Accountability to actually follow through
A community of women doing this journey together
Early bird pricing ends this Friday. After that, the investment goes up.
And beautiful, I need you to understand something: The cost of this class is nothing compared to the cost of staying where you are.
Every month you delay is compounding interest you’ll never get back. Every year you wait is potential cash flow you’re leaving on the table.
Your 45-year-old self is begging you to make this decision today.
Go Deeper: Your Week Ahead Market Breakdown
Okay beautiful, let’s talk about what just happened and what’s coming.
If you checked your portfolio last Friday and felt some kind of way, you weren’t alone. Tech stocks lost over $820 BILLION in value last week. Nvidia dropped 7%. AMD fell nearly 9%. The Nasdaq had its worst week since April.
And I need you to understand what that means for YOUR money this week.
I just posted a 15-minute deep dive on YouTube called “After the Storm: What Last Week’s Tech Tumble Means for This Week’s Money Moves” where I walk you through:
What You’ll Learn in This Video:
📉 The Real Story Behind Last Week’s Selloff
Why the “Magnificent Seven” tech stocks got hammered
Whether this is a buying opportunity or a warning sign
What corporate earnings are ACTUALLY telling us (hint: they’re strong)
🏛️ The Government Shutdown Factor
Day 40 of the longest shutdown in U.S. history
How it’s crushing consumer confidence
Why a resolution this week could trigger a market rally
What it means that 42 million Americans had SNAP benefits paused
📊 Thursday’s Make-or-Break Moment
The CPI inflation report drops Thursday, November 13th at 8:30 AM
Why this single data point could determine market direction for the rest of November
How it affects the Federal Reserve’s next interest rate decision
What to watch for in the numbers
💰 Where the Opportunities Are
Quality companies that got unfairly punished in the tech selloff
Sectors that could benefit from a shutdown resolution
How to think about diversification after a week like last week
🎯 Your Action Plan: The 3-2-1 Challenge I give you specific actions to take this week:
3 things to watch
2 questions to ask yourself
1 action to take before Friday
Why This Video Matters Right Now
Money family, last week wasn’t just random market noise. We’re at an inflection point:
The S&P 500 tested its 50-day moving average for the first time since April
Consumer sentiment crashed to its second-lowest reading EVER
We’re about to get critical inflation data that will influence Fed policy
The longest government shutdown in history might finally end
This week is CRITICAL. And I don’t want you walking into it blind.
The women who build real wealth? They don’t panic when markets pull back. They don’t freeze when uncertainty hits. They stay informed, stay strategic, and look for opportunities.
That’s what this video helps you do.
👉 WATCH: After the Storm - Week Ahead Breakdown
This is the kind of market analysis and strategic guidance I post every Monday (Week Ahead) and Friday (Week Recap) on my YouTube channel. If you learn better by watching and listening, subscribe to Finances Demystified on YouTube so you never miss an episode.
And beautiful? Set an alarm for Thursday, November 13th at 8:30 AM Eastern. When that CPI report drops, you want to know what it means for your money IMMEDIATELY—not three days later when everyone’s already reacted.
The Truth Nobody Else Will Tell You
Here’s something I’ve learned after years in this space:
The financial industry doesn’t want you to know how simple investing actually is.
They benefit from you feeling confused, overwhelmed, and dependent on “experts” to manage your money (while they charge you fees that eat into your returns).
But the truth is, building wealth isn’t complicated:
Start with what you have (even if it’s small)
Invest consistently (not perfectly)
Stay invested through ups and downs (time is your superpower)
Educate yourself continuously (knowledge compounds like interest)
Think in decades, not days (but make decisions now)
That’s it. That’s the formula that’s created millions of millionaires.
The hard part isn’t the strategy. The hard part is starting.
The hard part is fighting through the fear, the overwhelm, the feeling that you’re “not ready yet.”
The hard part is choosing your future self over your comfortable present self.
But you know what? You’re harder than the hard part.
What Happens Next Is Up to You
This week, the market moved. It grew. It rewarded the people who were in it.
Next week, it’ll do the same thing. And the week after that. And the month after that.
The question isn’t whether the market will create opportunities.
The question is: Will you be positioned to capture them?
You have two choices:
Choice 1: Close this email, tell yourself you’ll start “soon,” and check back in a year from now wishing you had started today.
Choice 2: Decide that today is the day you stop watching from the sidelines. Register for the Cash Flow Code MasterClass. Watch the YouTube breakdown. Take ONE action that moves you closer to the life you actually want.
I know which choice the women who build real wealth make.
What about you?
I believe in you, beautiful. More than you know.
Let’s build this wealth together.
See you in the MasterClass,
Dominique
P.S. — The market doesn’t care about your fears, your doubts, or your past mistakes. It only cares whether you show up. Register for the Cash Flow Code MasterClass before early bird pricing ends Friday.
P.P.S. — Seriously, watch this week’s YouTube breakdown. Last week’s tech selloff has everyone asking questions, and Thursday’s inflation report is going to be HUGE. I break down exactly what to watch and what it means for your portfolio. This is the Monday Week Ahead episode of Beat The Bell, and it’s only 15 minutes that could save you from costly mistakes this week.
P.P.P.S. — If you’re still not sure, that’s okay. But ask yourself this: “What would my life look like in 5 years if I started investing consistently today?” That answer should tell you everything you need to know.
Ready to stop waiting and start building? Your future is calling. Answer it.
This article comes at the perfect time! Your words are so empowering. It’s just like with Pilates – consistancy and showing up make all the difference, even when it feels hard. You really get it; the market truly cares only if you're in. Such brilliant, encouraging insight!