💸 Smart Money Weekly: The Market Bounce Back! 📈

Issue 13 | Week of November 17-22, 2025 | Est. Reading Time: 5 minutes

Author

RASHIDA HERBERS
November 23, 2025 • Estimated Reading Time: 11 minutes

Good Morning Money Movers! ☕

What a rollercoaster of a week! After last week's AI-led bloodbath, the market came roaring back on Friday, with the Dow jumping over 500 points. But don't let the Friday rally fool you – it was still a brutal week for tech and crypto, with the Nasdaq posting its third straight weekly loss and Bitcoin ETFs seeing record outflows.

This week was a perfect reminder that even in a downturn, there are always opportunities for savvy investors. While the market was panicking, the smart money was buying the dip. So grab your coffee, and let's dive into a week that proved it's not about timing the market, but about time in the market! 💰🎯

📈 Market Snapshots (Week Ending November 22, 2025)

• S&P 500: 6,603 (-1.9% for week) 📊📉

•Dow Jones: 46,245 (-1.9% for week) 📈

•Nasdaq: 22,273 (-2.7% for week) 💻📉

•Bitcoin: $84,101 (-17.4% for week) ₿📉

•Gold: $3,812/oz (+0.6% for week) 🥇

•10 Year Treasury: 3.82% (Down from 3.85%) 📉

•30 Year Mortgage: 6.22% (Down from 6.25%) 🏠

Is This the End of the Crypto Dream or Just Another Cycle? 🤔

This week's record outflows from Bitcoin ETFs have many people wondering if the crypto dream is finally dead. But if you've been in the crypto market for any length of time, you know that this is just another Tuesday. The crypto market is famous for its boom and bust cycles, and this is just the latest chapter in that ongoing story.

Why it matters: The key to surviving and thriving in the crypto market is to have a long-term perspective. The people who get rich in crypto are the ones who buy and hold through the bear markets, not the ones who panic sell at the first sign of trouble. If you believe in the long-term potential of crypto, this could be a great time to be a buyer. But if you're just looking for a quick buck, you're probably better off staying on the sidelines.

🤑 Fun Break! Want to see just how volatile the crypto market can be? At its peak in October, Bitcoin was worth over $125,000. Just a few weeks later, it's struggling to stay above $80,000. It's a wild ride, but for those with the stomach for it, the rewards can be life changing. 🎢 📉.

🚀 Top Money Stories

1. The Friday Rebound: A Glimmer of Hope? 📈

After a brutal week of selling, the market staged a massive comeback on Friday, with the Dow soaring over 500 points. The rally was fueled by comments from New York Fed President John Williams, who hinted that the Fed might be open to cutting rates sooner than expected. The move was a welcome relief for investors who have been battered by the recent tech selloff.

Why it matters: This is a classic example of why you should never panic sell! The market is a forward looking mechanism, and it's always trying to price in what's going to happen next. While the current economic data might look gloomy, the market is already looking ahead to a potential Fed pivot. This doesn't mean we're out of the woods yet, but it's a good reminder that even in the darkest of times, there's always a reason to be optimistic. ☀️

2. Nvidia's Earnings Beat Can't Stop the Bleeding 🤖📉

Even a stellar earnings report from AI darling Nvidia wasn't enough to stop the tech selloff this week. The company blew past earnings expectations, with revenue up 62% from a year ago. But the stock still finished the week down 7%, as investors worried that the AI boom might be getting ahead of itself. It's a classic case of "buy the rumor, sell the news."

Why it matters: This is a great lesson in managing expectations. Even when a company is firing on all cylinders, the stock can still go down if the hype gets too far ahead of the reality. This is why it's so important to have a diversified portfolio and not put all your eggs in one basket, no matter how hot that basket might seem. 🧺

3. Bitcoin ETFs See Record Outflows ₿📉

The crypto winter is getting colder. Bitcoin ETFs saw a record $3.79 billion in outflows in November, with BlackRock's flagship fund alone losing over $2 billion. The massive redemptions show that even institutional investors are getting nervous about the crypto market. Bitcoin itself is down over 17% for the week, and some analysts are now predicting it could fall below $80,000.

Why it matters: If you're a long term crypto believer, this could be another great buying opportunity. But if you're new to the space, this is a stark reminder of just how volatile this asset class can be. The crypto market is not for the faint of heart, and you should never invest more than you're willing to lose. The road to crypto riches is paved with both massive gains and gut wrenching losses. 🎢

4. Fed Rate Cut Bets Are Back On! 💸

Just when everyone thought the Fed was going to hold steady for the rest of the year, comments from New York Fed President John Williams have put a December rate cut back on the table. Williams said he sees room for "further adjustment" to rates, and that the labor market weakness poses a bigger threat than inflation. Markets are now pricing in a 75% chance of a rate cut next month.

Why it matters: This is a huge deal for anyone with a mortgage, a car loan, or a credit card. A Fed rate cut would mean lower borrowing costs across the board, which would be a welcome relief for consumers who have been struggling with high interest rates. It's also a good reminder that the Fed is always watching the data, and they're not afraid to change course if they think the economy is heading for a downturn. 🔄

5. Consumer Sentiment Hits New Lows 😟📉

Americans are feeling even gloomier about the economy than they were last week. The University of Michigan's consumer sentiment survey fell to one of its lowest levels on record in November, as people worried about the stock market selloff and the ongoing government shutdown. It's a stark reminder that even when the market is doing well, many people are still struggling to make ends meet.

Why it matters: This is the other side of the coin to the Fed rate cut story. The reason the Fed is considering cutting rates is because they're worried about the consumer. If people stop spending because they're worried about their jobs or their finances, it could tip the economy into a recession. This is why it's so important to have a solid financial plan in place, so you can weather any storm that comes your way. ⛈️

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🚂 The Inspiration Station

The Power of a Plan 🗺️

This week was a perfect example of why having a financial plan is so important. When the market is going crazy, it's easy to get emotional and make bad decisions. But if you have a plan in place, you can just sit back and let the market do its thing. You know that you're invested for the long term, and you're not going to let a little short-term volatility derail your financial goals.

Your move: If you don't have a financial plan, now is the perfect time to create one. It doesn't have to be complicated. Just a simple document that outlines your financial goals and how you're going to achieve them. It's the best way to stay on track and avoid making emotional decisions with your money. ✨

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💸 The Reality Check Corner

Don't Be a Hero 🦸‍♂️

Yes, this week's selloff could be a great buying opportunity. But that doesn't mean you should go all in on the riskiest assets. Trying to be a hero and time the bottom of the market is a great way to lose a lot of money. A better strategy is to stick to your long-term investment plan and continue to dollar cost average into the market.

Your reality check: The goal of investing is not to get rich quick. It's to build wealth over time. And the best way to do that is to be a patient and disciplined investor. So don't try to be a hero. Just stick to your plan, and you'll be well on your way to financial success. 💪

🔥 In Case You Missed It…

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That's a Wrap! 🎬

That's a wrap for this rollercoaster of a week! Remember, volatility is the price you pay for long-term returns. The more you can embrace the ups and downs of the market, the more successful you'll be. See you next week! 💰

If you found this newsletter helpful, I would love for you to visit my website at www.rashidaherbers.com for more financial insights, resources, and tips to help you build wealth and make smarter money decisions.

-Rashida

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