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Money Changes Everything

A newsletter about money, investing, saving, spending, and how these things impact our lives and relationships.

Newsletter · By Ally Jane Ayers · English · US · Official site

Indexed issues, last 90 days
11
Latest publication
Sep 22, 2026
Audience
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Earliest in this view
Jul 16, 2026

Latest issues

  1. Issue · Sep 22, 2026

    How a Book Gets Made: Part II I Am Now a Travel Influencer (opens the original)

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    <img alt="" class="sizing-normal" height="715" src="https://substackcdn.com/image/fetch/$s_!5WQv!,w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2Ffbb431ea-6226-46e9-8ba7-6432474f1809_1080x

  2. Issue · Sep 8, 2026

    How a Book Gets Made: Part 1 (opens the original)

    Excerpt · Positive tone

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    Do I make it look too easy? I started this Substack newsletter in January of 2025 with the goal of writing about all I had learned about money and relationships in eight years of being a financial advisor. The goal was to get a book deal. Two weeks later, after my second weekly post went up, an editor at Penguin Random House reached out and said she wanted to publish my book. We had coffee a few weeks later, then, a few short months later, she offered me a book deal, then I spent the next 9 mont

  3. Issue · Aug 27, 2026

    AI Compute Futures, Stripe's Singularity Announcement and Wealth Management's $3 Trillion Problem — Episode 199.5 (opens the original)

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    Shane is joined by BKFi tax manager Tiffini Parker for a jam-packed half episode covering AI compute markets, Stripe’s singularity announcement, wealth management’s cash hoarding problem, South Korean dating culture, and a Reddit question that every financial advisor will have opinions about.They kick off with AI computing power becoming a tradable futures contract at the CME, what that actually means for transparency in the compute market, and why Stripe buried a four-page memo about the singul

  4. Issue · Aug 25, 2026

    The Nine Circles of Financial Hell (opens the original)

    Excerpt · Neutral tone

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    Dante would have hated student loans. Before we get into it, I have a request: if you’ve found this newsletter valuable in any way, shape, or form, please pre-order my book, Creative Money: New Financial Rules for Artists, Innovators, and Misfits. It comes out on November 10th and I think you’ll love it. It would mean so much to me if you’d show your support by pre-ordering it so it shows

  5. Issue · Aug 13, 2026

    Trump Accounts, California's Wealth Tax and Do You Actually Need an LLC? — Episode 199 (opens the original)

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    Shane and Kody Sherlund are back for episode 199, one away from a big milestone, with a packed slate covering tax policy, tech layoffs, opportunity zones, private fund pitfalls, and California’s groundbreaking wealth tax.They kick off with the IRS issuing proposed regulations on employer contributions to Trump accounts, what Section 530a actually means, and where these accounts fit in the order of operations next to a 529. Then it’s on to the latest wave of tech layoffs at Google, TikTok, Etsy,

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