Check out this ad.

They’re all looking at the same massive opportunity: AI moving into the physical economy. 

Jensen Huang, NVIDIA’s CEO, put it bluntly: “If I were a farmer, I would absolutely use AI.” 

Washington is putting more than $1 billion behind farm modernization and food-supply resilience, while pushing precision agriculture and private-sector innovation. 

It’s about making the real world work smarter.  

And DIT AgTech is already putting Physical AI to work in livestock. Their infrastructure automatically delivers the right nutrition through livestock drinking water, helping ranchers produce more with less. 

500+ units deployed. 370,000 head on the platform. 

Now DIT AgTech is taking it to the U.S. 

Most investors will discover DIT AgTech too late. 

Do you want to discover the story when everyone is talking about it? Or be one of the people who saw it coming? 

At $1 a share, probably not worth missing.

Back DIT AgTech

^{𝘐𝘯 𝘮𝘢𝘬𝘪𝘯𝘨 𝘢𝘯 𝘪𝘯𝘷𝘦𝘴𝘵𝘮𝘦𝘯𝘵 𝘥𝘦𝘤𝘪𝘴𝘪𝘰𝘯, 𝘪𝘯𝘷𝘦𝘴𝘵𝘰𝘳𝘴 𝘮𝘶𝘴𝘵 𝘳𝘦𝘭𝘺 𝘰𝘯 𝘵𝘩𝘦𝘪𝘳 𝘰𝘸𝘯 𝘦𝘹𝘢𝘮𝘪𝘯𝘢𝘵𝘪𝘰𝘯 𝘰𝘧 𝘵𝘩𝘦 𝘪𝘴𝘴𝘶𝘦𝘳 𝘢𝘯𝘥 𝘵𝘩𝘦 𝘵𝘦𝘳𝘮𝘴 𝘰𝘧 𝘵𝘩𝘦 𝘰𝘧𝘧𝘦𝘳𝘪𝘯𝘨, 𝘪𝘯𝘤𝘭𝘶𝘥𝘪𝘯𝘨 𝘵𝘩𝘦 𝘮𝘦𝘳𝘪𝘵𝘴 𝘢𝘯𝘥 𝘳𝘪𝘴𝘬𝘴 𝘪𝘯𝘷𝘰𝘭𝘷𝘦𝘥. 𝘋𝘐𝘛 𝘈𝘨𝘛𝘦𝘤𝘩 𝘩𝘢𝘴 𝘧𝘪𝘭𝘦𝘥 𝘢 𝘍𝘰𝘳𝘮 𝘊 𝘸𝘪𝘵𝘩 𝘵𝘩𝘦 𝘚𝘦𝘤𝘶𝘳𝘪𝘵𝘪𝘦𝘴 𝘢𝘯𝘥 𝘌𝘹𝘤𝘩𝘢𝘯𝘨𝘦 𝘊𝘰𝘮𝘮𝘪𝘴𝘴𝘪𝘰𝘯 𝘪𝘯 𝘤𝘰𝘯𝘯𝘦𝘤𝘵𝘪𝘰𝘯 𝘸𝘪𝘵𝘩 𝘪𝘵𝘴 𝘰𝘧𝘧𝘦𝘳𝘪𝘯𝘨, 𝘢 𝘤𝘰𝘱𝘺 𝘰𝘧 𝘸𝘩𝘪𝘤𝘩 𝘮𝘢𝘺 𝘣𝘦 𝘰𝘣𝘵𝘢𝘪𝘯𝘦𝘥 𝘩𝘦𝘳𝘦: https://bit.ly/4bzuWCi​}

Subject: Stocks Near Records. Mortgages at 7.40%. What Are You Buying?

Preview: The Fed may hike again, AI chip revenue is surging, and two October deadlines could affect your money. Here's the ownership playbook.

Stocks are flirting with records. A typical 30-year mortgage now costs 7.40%. The Fed's latest minutes suggest another rate increase may be on the table. Meanwhile, AI infrastructure is still growing at a remarkable pace.

So is this a good time to build wealth—or a dangerous one? Wrong question. The better question is: Which opportunities still make sense when money is expensive?

I grew up poor. Years later, after paying off more than $500,000 in student debt, I've built more than $3 million in assets through earned income, businesses, multiple home purchases, investments, crypto, and ideas I chose to pursue. The biggest lesson wasn't how to predict the perfect market. It was learning to turn income into ownership without betting my future on a headline.

Here are seven developments worth your attention this week.

What happened: Minutes released October 7 from the Federal Reserve's September 15–16 meeting show policymakers raised the federal-funds target to 3.75%–4.00%. Most participants believed another increase would likely be appropriate by year-end, although future decisions depend on incoming data. August consumer inflation was 3.4% year over year. The September CPI report is scheduled for Wednesday, October 14, at 8:30 a.m. ET. Federal Reserve minutes · BLS August CPI · BLS calendar

Why it matters: Inflation can erode purchasing power while higher rates make debt more expensive. That combination punishes investments whose numbers only work if cheap financing returns.

What to do/watch: Stress-test every leveraged deal. Calculate whether you can afford the payments today, not after a hoped-for refinance. Watch Wednesday's report without pretending anyone knows the result in advance.

What happened: On Friday, October 9, the S&P 500 closed at 7,811.54, up roughly 1.2% for the week. The 10-year U.S. Treasury yield finished at 5.24%, according to Treasury data. Oil prices also remained elevated, adding another inflation risk. Major bank earnings arrive this week and may offer clues about lending, consumers, and credit quality. AP market recap · U.S. Treasury data · AP context

Why it matters: When relatively low-risk government debt offers meaningful yield, stocks and business acquisitions must justify their additional risk. A great company isn't automatically a great purchase at any price.

What to do/watch: Revisit your allocation, not just your watchlist. For every concentrated stock position, ask what earnings growth is already priced in. Keep enough liquidity to avoid selling long-term assets under pressure.

What happened: Freddie Mac's October 8 survey put the average 30-year fixed mortgage at 7.40%, up from 7.28% the week before. The 15-year average was 6.73%. Freddie Mac

Why it matters: On a hypothetical $400,000, 30-year loan, the principal-and-interest payment is about $2,770 per month at 7.40%, before taxes, insurance, and other costs. The property may be the same; the financing changes the economics.

What to do/watch: Evaluate cash flow after vacancies, maintenance, insurance, taxes, and financing—not before. Compare seller concessions, price reductions, and alternative financing carefully. A property is an asset only when the numbers support your purpose for owning it.

What happened: On October 8, chip manufacturer TSMC reported September revenue of NT$511.86 billion, up 54.6% from a year earlier. Revenue for January through September was up 41.1% year over year. Those are company-reported revenue figures—not proof that every AI-related stock is attractively valued. TSMC official revenue release

Why it matters: AI spending creates opportunities beyond chatbots: semiconductors, power systems, data centers, networking, cybersecurity, cooling, and companies that use automation to lower costs.

What to do/watch: Study who earns revenue across multiple AI winners. Then ask about margins, customer concentration, capital needs, and valuation. A booming industry can still contain overpriced investments.

What happened: The Census Bureau recorded 531,728 U.S. business applications in August, down 7.8% from July, and projected 28,501 employer-business formations within four quarters from that application cohort. September's data is scheduled for October 14. An application is not the same as an operating, profitable company. Census Business Formation Statistics · Census release calendar

Why it matters: Ownership remains accessible, but registration is the easy part. Value comes from customers, repeat purchases, defensible know-how, systems, and cash flow.

What to do/watch: Before forming another LLC, test whether real customers will pay for the solution. Track customer acquisition cost, gross margin, repeat revenue, and how dependent the business is on your daily labor.

What happened: The SEC's proposed Regulation Crypto Assets would establish tailored exemptions for certain crypto-related investment-contract offerings: up to $5 million over four years under one exemption and up to $75 million over 12 months under another, subject to requirements. Comments are due October 20. The proposal has not become a final rule. SEC proposal

Why it matters: Clearer pathways could help legitimate companies raise capital and build compliant infrastructure. They do not guarantee that any token will rise—or survive.

What to do/watch: Distinguish infrastructure businesses from tokens fueled mainly by attention. Review custody, liquidity, token supply, disclosures, and regulatory risks. Treat high-upside speculation as a position you can afford to lose, not the foundation of your wealth.

What happened: For most individual taxpayers who timely obtained a federal filing extension, Thursday, October 15, 2026 is the deadline to file the 2025 return. The extension was for filing, not for paying taxes originally due in April. Some disaster-affected taxpayers and other eligible filers may have different deadlines. IRS guidance · IRS extension rules

Why it matters: Avoidable penalties and interest are money that cannot compound for you. Business owners and investors also need reliable records of deductions, basis, gains, and losses.

What to do/watch: File on time if the deadline applies, reconcile payments, and get qualified tax help where needed. Then use the fourth quarter to organize your 2026 records and review retirement contributions, estimated taxes, and realized gains with your adviser.

A six-figure salary can change your lifestyle. It cannot, by itself, guarantee financial independence.

EARN. Grow your skills, your bargaining power, and your capacity to generate surplus cash.

INVEST. Give that surplus a job before lifestyle inflation claims it.

OWN. Build equity in businesses, diversified investments, real estate, and intellectual property that can create value beyond the hours you work.

The objective isn't to win every trade, predict every Fed meeting, or buy every hot technology story. It's to keep converting effort into assets—so money becomes more than something you spend.

Money becomes freedom.

EARN. INVEST. OWN.

— Ramone Jenkins
Founder, NCOME UP

Know someone earning more but not building more? Forward this brief to them.

And if you want deeper ownership playbooks—deal math, opportunity screens, business case studies, and the risks behind the headlines—keep an eye out for NCOME UP+. We're building substance, not hype.

This newsletter is educational and general. It is not individualized investment, financial, legal, or tax advice. Investments and businesses carry risk, including loss of principal.