Here's Your Fortune: The Big Lie About Getting Paid "Early

Tomorrow’s Fortune

Welcome to the action-packed newsletter designed to help you navigate the world of business, investing, and technology. You owe it to yourself to stay informed! If you missed last week’s post, check it out here. 😎 

Today’s post is 2,000 words (~3 minutes). Reading this just might make you rich!

Today’s Digest: 

1. NEW VIDEO 👉🏼 The Big Lie About Getting Paid “Early”

2. Earned Wage Access: Let’s dive into the new-age payday loans

3. Wanna Buy a Business? We found a high-profit portable toilet company ($900K of Cash Flow). Click HERE for the listing

4. Searching for a Side Hustle? Try making kid birthday celebration decorations

NEW KENNY FINANCE VIDEO ON YOUTUBE!

Find other cool videos on my channel HERE (👈 Click)

TOP STORY

The Potential Dangers of Earned Wage Access: A Modern Payday Loan?

Payday loans have long been criticized for trapping borrowers in cycles of high-interest debt, preying on financial instability rather than solving it. In response, a seemingly more consumer-friendly alternative has emerged: Earned Wage Access (EWA). These services allow employees to withdraw wages they’ve already earned before payday, marketed as a flexible way to manage short-term cash flow. But is this truly a game-changer for financial well-being, or just a more sophisticated version of payday lending?

While EWA avoids the triple-digit interest rates of traditional payday loans, the risks remain similar. Employees can easily fall into a pattern of constant wage advances, distorting their budgeting habits and leading to financial dependence. The fees—whether per transaction, through subscriptions, or even "optional" tips—may seem small at first but quickly accumulate, sometimes equating to an APR in the hundreds. The result? Many users end up paying a significant portion of their hard-earned wages just to access their own money.

For employers, integrating EWA programs isn’t without challenges. These services add administrative complexity, create regulatory uncertainty, and, in some cases, expose businesses to reputational risk if employees suffer financial setbacks due to excessive reliance on advances. More concerning, some EWA providers actively push employees to take more advances, mimicking the predatory tactics of payday lenders under a more polished veneer.

So, what’s the smarter path to financial stability?

Instead of relying on EWA, employees should focus on negotiating higher pay, building an emergency savings fund, and utilizing workplace financial wellness programs designed to improve long-term financial health. Employers, in turn, should prioritize benefits that promote real financial resilience—such as savings-matching programs, financial literacy education, and access to low-interest employee loans.

The bottom line? While EWA might seem like an easy fix, it doesn’t solve the root issue: too many workers living paycheck to paycheck. True financial wellness comes from structural solutions, not just easier access to next week’s wages.

BITS OF GOLD

• Federal Layoffs Intensify Challenges in a Stagnant Job Market - The U.S. labor market remains stable, with unemployment benefit applications holding steady at 224,000 for the week ending March 22, aligning with analyst expectations. However, significant layoffs at the Department of Government Efficiency (DOGE), led by Elon Musk, have introduced challenges for displaced federal employees. These individuals face a stagnant job market, making reemployment prospects uncertain. Despite these layoffs, the broader employment landscape retains resilience, with the four-week average of jobless claims falling by 4,750 to 224,000, and the total number of Americans receiving unemployment benefits decreasing by 25,000 to 1.86 million.

• BYD's Rapid Expansion Challenges Tesla's Market Dominance - China's BYD has emerged as a formidable competitor to Tesla, achieving global sales of 4.27 million electric vehicles in the past year. BYD's success is attributed to technological innovations, such as a supercharger providing 373 km of range in just five minutes, and China's dominance over 60% of the EV battery supply chain, granting significant cost advantages. This shift underscores the increasing influence of Chinese manufacturers in the global EV market, potentially reshaping competitive dynamics.

• Auto Industry Braces for Impact from New 25% Import Tariffs - President Trump's implementation of a 25% tariff on imported vehicles and auto parts, effective April 2, is projected to raise new car prices by $5,000 to $10,000, with electric vehicles particularly impacted due to their reliance on imported components. Analysts warn that these tariffs could erode profits for major automakers like Ford, GM, and Stellantis, while also affecting foreign manufacturers and potentially prompting retaliatory measures from trade partners. Investors should assess the long-term implications of these tariffs on the automotive industry's profitability and supply chains.

• Bill Gates Foresees AI Revolutionizing Key Sectors Within a Decade - Bill Gates predicts that advancements in artificial intelligence will significantly reduce the need for human roles in sectors such as medicine and education within the next decade. He envisions AI providing high-quality medical advice and tutoring services, potentially democratizing access to these resources. While this technological evolution may lead to increased efficiency and accessibility, it also raises concerns about job displacement and the need for workforce adaptation. Investors should consider the transformative impact of AI across industries and the emerging opportunities and risks associated with this shift.

SO YOU WANT TO BUY A BUSINESS… 🏦

Deal of the Week: Portable Toilets (Florida) - Asking $1,950,000

Opportunity Overview:

A well-established portable sanitation rental business operating in Miami-Dade, Broward, and Palm Beach counties is available for acquisition. With over 20 years in operation, this company has built a strong reputation by servicing construction sites, outdoor events, and emergency response efforts. The business offers a diversified product mix, including portable toilets, VIP restroom trailers, ADA-compliant units, hand wash stations, and temporary fencing. A dedicated manager is in place, allowing for a semi-passive ownership structure. The current owner is looking to transition, presenting an opportunity for a buyer to acquire a high-margin, asset-backed service business with strong recurring revenue.

Cash Flow and Profitability:

This business generates $220K in cash flow on $1.46M in gross revenue, reflecting a solid 15% operating margin. The company benefits from a recurring customer base and contractual revenue, which supports stable cash flow. While EBITDA is not explicitly provided, the high-margin service-based model suggests strong profitability. The business requires minimal capital expenditures, as existing equipment is fully functional with no immediate replacement needs. It leases its facility, which provides operational flexibility but requires due diligence on lease terms to mitigate any risks associated with rent increases or relocation.

What We Like:

• High-Margin, Recurring Revenue Model – With a 15% operating margin, this business demonstrates strong profitability, particularly given its predictable revenue streams. Contract-based customer relationships add stability to cash flow and reduce revenue volatility. A new owner can focus on optimizing pricing strategies to further improve margins.

• Minimal CapEx Requirements – The company operates with fully owned and well-maintained equipment, requiring little to no capital expenditures in the near term. This reduces the financial burden on a buyer and allows cash flow to be reinvested into growth initiatives rather than maintenance.

• Established Operations with Management in Place – The business has an experienced team handling daily operations, allowing for a semi-passive ownership structure. A new owner could focus on strategic growth rather than being involved in day-to-day tasks, making this an attractive investment for those seeking operational leverage.

• Niche Market with Competitive Advantages – The company serves a specialized market with high barriers to entry due to its technical expertise and established relationships. This limits direct competition and provides pricing power. Its reputation and customer loyalty offer a strong foundation for continued success.

• Scalable Growth Potential – Opportunities exist to expand service offerings, increase geographic reach, or leverage digital marketing to acquire new customers. With a strong foundation in place, a buyer with experience in business development or digital transformation could unlock additional revenue streams.

What We Don’t Like:

• Limited Structural Moats in Industry – Nothing special about portable bathrooms all you need is the capital and access to inventory .

• Lease Risk & Potential Rent Increases – The business does not own its facility, and lease terms have not been disclosed. A buyer should assess lease renewal terms, potential rent escalations, or relocation risks that could impact long-term stability and profitability.

• Customer Concentration Risk – If a significant portion of revenue is derived from a few key clients, the loss of one major account could materially impact financials. A buyer should analyze customer concentration and assess diversification strategies.

• Market Sensitivity & Competitive Pressures – While the business operates in a niche market, external competition or shifts in customer preferences could affect long-term demand. Understanding industry trends and customer retention strategies will be crucial.

Key Questions:

• Revenue Stability & Growth: What percentage of revenue is contract-based versus one-time sales? What is the customer retention rate over the past three years?

• Lease Terms & Facility Considerations: What are the current lease terms, expiration date, and renewal options? Are there any risks of relocation or significant rent increases?

• Customer Concentration: What percentage of revenue is generated by the top five clients? Are there long-term contracts in place?

• Operational Scalability: Can the current infrastructure support increased demand without significant investment?

• Competitive Positioning: What differentiates this business from competitors? Are there any exclusive supplier relationships or proprietary processes that create a competitive moat?

WHAT ABOUT TODAY’S FORTUNE? SIDE HUSTLE OF THE WEEK 💸

🎉 Prepping Party Favors for Kids’ Birthdays: A Profitable, Low-Cost Side Hustle

Busy parents are always looking for ways to simplify party planning, and outsourcing party favors is an easy win. By offering pre-packaged, themed party favor sets, you can tap into a lucrative market with minimal startup costs. With a focus on affordability, creativity, and convenience, this side hustle has strong demand among time-strapped families.

🎈 Why This Works

•  Parents Will Pay for Convenience – Party planning is stressful, and many parents would rather buy ready-made favor sets than assemble them themselves.

• Custom & Themed Favors Stand Out – Kids love themed parties, and parents are willing to pay extra for favor sets that match their chosen theme (e.g., superheroes, princesses, dinosaurs, space).

• Recurring Revenue Potential – Families, event planners, and party rental companies need favors regularly, creating opportunities for repeat business.

🛠️ Getting Started

• Pick a Niche – Will you focus on budget-friendly, premium, eco-friendly, or custom-made favor sets? Themes and unique packaging can set you apart.

• Source Affordable Materials – Buy in bulk from wholesalers (Amazon, Dollar Tree, AliExpress) to maximize margins.

• Create a Portfolio – Take high-quality photos of sample sets and showcase them on Instagram, Pinterest, and Etsy.

• Market Locally & Online – Promote in local parenting groups, mom blogs, and Facebook Marketplace. Consider partnering with local event planners or kids’ party venues.

💰 Startup Costs & Capital Intensity

• Initial Investment: $50–$200 – You can start small by purchasing a few sets of supplies and scaling as orders come in.

• Storage & Packaging Costs – You’ll need storage space for inventory and packaging materials, but these costs are low.

• Marketing: Free to Low-Cost – Use social media, local events, and word-of-mouth to grow your customer base.

📈 How to Scale & Maximize Profits

• Offer Customization – Charge extra for personalized name tags, premium packaging, or allergy-friendly options.

• Bundle & Upsell – Sell favor sets alongside matching decorations or party supplies.

• Partner with Event Planners & Venues – Get referrals from party rental businesses and planners who need a reliable favor supplier.

• Subscription Model – Offer a “Party Favor Club” where busy parents can pre-order favors for multiple birthdays each year.

💵 Earning Potential

• Single-party orders: $25–$100 per set (depending on customization and quantity)

• Bulk orders (event planners, venues, party companies): $200–$500 per order

• Recurring clients (monthly/seasonal subscription options): $50–$300 per month

If you’re creative and enjoy working with kids’ party themes, this is a fun, flexible side hustle with strong profit margins. Start small, build your brand, and turn party planning stress into a business opportunity.

This newsletter is for informational purposes only and does not constitute investment advice. The content is based on publicly available information, and the author makes no representations about its accuracy or completeness. Readers should conduct their own research before making any investment decisions.