Ghost Money

Money is how trust moves through society. What happens when money breaks?

Our economy is defined by a hidden struggle between two forces.

In one corner, we have the engine of real value: the technologists, builders, and thinkers whose ingenuity creates everything from new technologies to everyday goods. In the other corner, we have central bankers and politicians who control the money supply.

The problem is, this system allows the money controllers to operate in the shadows, creating cash out of thin air with keystrokes into digital ledgers. When their power goes unchecked, it throws the entire economy out of balance. The value of our work, our savings, and our future itself is all caught in the middle.

When one side of this equation (the creation of money), executed by the central bankers and their controllers in Geneva, City of London, Washington DC, New York, Vatican City and other elite dens dramatically outpaces the other side (the creation of value through innovation) a corrosive force is unleashed. This force, known as inflation, does not simply raise prices; it silently dissolves the purchasing power of a currency, unraveling the fabric of economic trust. Money is how trust itself moves through a society and its the medium all of our previous work is stored in. Every hour of our collective time has been monetized and intentionally drained of value. It’s the greatest heist in the history of humanity... and we chalk it up as “totally normal in a healthy economy, good even!”.

It’s far from good. It’s evil. And there’s a solution for it. We will explore that solution but first we need to survey the landscape of this problem to fully understand why the solution works.

And why ONLY this solution works.

This is not a fringe theory but a foundational, though often forgotten, economic principle. The core thesis is simple and powerful: if a society's rate of money supply expansion consistently overtakes its rate of innovation and productivity growth, the inevitable result is the debasement of its currency through inflation. To truly understand the gravity of this statement, we must move beyond headlines about rising prices and get into the mechanics of how money derives its meaning, how innovation gives it substance, and how their imbalance leads to a national crisis of value.

The Ghost in the Money Machine

At its core, money is a technology.

It is a tool designed to solve the immense friction of barter, serving as a medium of exchange, a unit of account, and a store of value. But its effectiveness in these roles, particularly as a store of value, is not guaranteed. The value of a dollar, a euro, or a yen is not intrinsic; it is a claim on a share of the real goods and services that an economy produces.

This is the central insight of the Quantity Theory of Money, a concept with roots stretching back to philosophers like David Hume in the 18th century and later formalized by economists like Irving Fisher and Milton Friedman. In its most famous articulation, the theory is captured by the Fisher Equation:

M×V=P×T

• M represents the Money Supply: the total stock of currency, bank deposits, and other liquid instruments in an economy.

• V is the Velocity of Money: the average frequency with which a unit of money is used to purchase domestic goods and services.

• P is the general Price Level, the metric by which we measure inflation.

• T stands for the Volume of Transactions, representing the total real output of an economy aka all the cars, software licenses, haircuts, and cups of coffee produced and sold.

For the purpose of our discussion, "innovation rate" serves as a dynamic and potent proxy for the growth in T. True, sustainable growth in an economy’s output doesn't come from simply using more inputs, but from using them more effectively.

This is the gift of innovation. It is the new agricultural technique that doubles a harvest, the robotic arm that triples factory output, the software that automates a million hours of tedious work. Innovation is the engine that expands T, increasing the pool of real value that money can lay claim to.

The equation reveals a stark reality. If the money supply (M) swells while the velocity of money (V) remains stable, the right side of the equation must balance. If the volume of real stuff being produced (T) is stagnant or growing only anemically, then the price level (P) must rise to make up the difference.

More money is chasing a relatively fixed amount of goods.

The result is not that society has become richer; it's that each unit of its money has become worth less.

You can see this in rising stock market indices, real estate market prices and all fiat-denominated wealth engines and wealth batteries. Are their values going up, or is the underlying unit of account going down?

Inflation is intentional wealth arson meant to keep the working poor in place as the elite capture ever greater rents for their assets, and benefit from skyrocketing asset values to lever against.

This isn't hyperbole; it's a statistical reality. According to the Federal Reserve, the wealthiest 1% of Americans own over half of all stocks and mutual funds—assets that often outpace inflation. Meanwhile, the bottom 50% of households, who hold a larger portion of their meager wealth in cash, see their savings relentlessly eroded. This dynamic is particularly stark along racial lines. In 2022, the median white household held more than six times the wealth of the median Black household, a gap that widens as inflation disproportionately taxes the currency held by the less wealthy.

The Great Inflation

History provides a powerful, cautionary tale in the period known as the "Great Inflation" of the 1970s. I wasn’t born yet but I’ve read enough books in my economics studies at school to understand broadly what happened.

For over a decade, the developed world was gripped by punishing, double-digit inflation that confounded policymakers and crippled households. While the oil shocks of 1973 and 1979 are often cited as the primary culprits, the deeper cause was a fundamental violation of the pact between money and innovation.

Throughout the late 1960s and 1970s, a confluence of factors led policymakers, particularly in the United States, to pursue highly expansionary monetary and fiscal policies. The desire to fund both the Vietnam War and ambitious domestic "Great Society" programs without raising taxes, coupled with a prevailing economic belief that a little inflation could permanently "buy" lower unemployment, led to a sustained and rapid increase in the money supply. M was growing at a blistering pace.

Simultaneously, the explosive post-WWII productivity boom was beginning to wane.

The innovation rate, the growth in T, was slowing down. The confluence was catastrophic. A torrent of new money flooded an economy that was no longer generating a proportionally larger pool of goods and services. The result was a textbook demonstration of our thesis. Prices skyrocketed, with U.S. inflation peaking at a family formation restricting and society crippling 13.5% in 1980.

The consequences were profound.

The purchasing power of the dollar was eviscerated.

A dollar saved in 1970 was worth less than 50 cents by 1980. This wasn't just a statistical abstraction; it was a lived reality for millions. It punished savers, rewarded debtors, and created a climate of radical uncertainty that paralyzed long-term investment. It was only when central banks, led by Federal Reserve Chairman Paul “Tall Paul” Volcker, made the painful decision to aggressively tighten the money supply that the inflationary fever finally broke. The lesson was seared into the memory of a generation of economists: inflation, as Milton Friedman famously declared, "is always and everywhere a monetary phenomenon."

Globalization and Technology to the Rescue?

For much of the late 1980s through to the late 2010s, it seemed as though this lesson had been unlearned, or perhaps that the rules of the game had changed.

“This time is different” has never fared well, historically.

This period, often called the "Great Moderation" and the "Great Disinflation" saw central banks engage in significant monetary expansion without triggering the kind of consumer price inflation seen in the 1970s. Why?

The answer lies in the other side of the equation: an unprecedented positive shock to T, driven by two powerful forces of innovation and integration.

1. The Technological Revolution: The personal computer, the internet, and mobile technology unleashed a wave of productivity growth not seen in decades. Software automated industries, digital communication made collaboration seamless, and logistics became hyper-efficient. This was a massive, sustained boost to the innovation rate, dramatically increasing the economy's capacity to produce goods and services.

2. The Globalization Shock: The fall of the Berlin Wall and, more significantly, the integration of China into the world economy represented a monumental expansion of the global T. Hundreds of millions of low-cost, highly-motivated laborers entered the global workforce. This "China Price" effect meant that Western nations could import deflation. The price of manufactured goods (clothing, electronics, furniture, etc..) plummeted, putting immense downward pressure on overall inflation.

In essence, for nearly thirty years, the West was able to run its money-printing presses faster because the global factory was running even faster.

The growth in M was being absorbed, and often surpassed, by the growth in global T.

Our global economic machinery benefited from several high-growth inducing technological breakthroughs that rapidly increased our surface area for new growth, and accelerated growth in general across all domains thanks to efficiency increases and the emergence of new capabilities. At the same time, we globalized and opened up new markets and enjoyed an incredible increase in the economic surface area from that as well.

All this extra surface area gave that money printer inflation a “place to go”.

However, a crucial distinction emerged. While consumer price inflation remained tame, a new phenomenon took hold: asset price inflation.

I would argue this was a feature and not a bug of the post-modern monetary machine.

The central bankers with full write access to the global monetary system, and their mega political allies (meant to indicate global coordination, not local or even nation-level politics) had the ability to create monetary premiums, and they could even direct where these bubbles formed through policy statements, white papers, public commentary, private conversations with asset managers and by leveraging friendly financial media.

The traditional image of money creation is a government printing press churning out banknotes. This is vastly oversimplified.

Much of the "money" in today's system isn't physical cash; it's digital entries in bank ledgers, created through a process called fractional reserve banking. When a bank makes a loan, it doesn't just lend out existing deposits; it effectively creates new credit, new "money" in the borrower's account. This process, while standard, isn't always transparent to the public. Central bank operations like "quantitative easing" (called QE by the hip monetarists) further blur the lines, injecting liquidity into the financial system by purchasing assets, which can feel like money appearing from thin air.

Then there's the "shadow banking" system. I’m talking about financial intermediaries and activities that operate outside the traditional, regulated banking sector. Think of money market funds, hedge funds, private equity, and various securitization vehicles. Then there’s even stealthier pockets of capital like multi-family offices and UHNWI. These entities and individuals perform bank-like functions (credit creation, maturity transformation, liquidity provision) but with far less regulatory oversight, capital requirements or other guardrails.

This shadow aspect means their activities, and the "money-like" instruments they create and trade, can be harder to track and measure than traditional bank deposits. These can contribute significantly to overall credit in the economy, influencing asset prices and economic activity, sometimes in ways that aren't immediately apparent until a crisis hits, like in 2008.

These "stealth movements" and less transparent forms of money and credit don't negate the fundamental relationship between money supply and purchasing power. Rather, they make "M" (Money Supply in our equation) a much more complex and harder-to-define variable.

If significant amounts of credit and liquidity are being created or are moving through these less visible channels, they still contribute to the overall pool of purchasing power chasing goods, services, and assets. The challenge for policymakers and economists is to accurately measure and understand Ghost Money to get a true picture of monetary conditions and their potential impact on inflation and financial stability. The opacity can lead to underestimations of systemic risk or inflationary pressures until they become too large to ignore.

Teaser alert: if only there was a monetary technology that prevented this opacity…

All the excess liquidity created by central banks flowed into financial markets. The price of stocks, bonds, fine art, and, most critically, real estate, soared.

The purchasing power of a dollar to buy a house in a major city or to acquire a share of a blue-chip company was severely diminished. This created a different, more insidious kind of inequality and instability, culminating in events like the 2008 Global Financial Crisis. The pact was still being violated, but the consequences were manifesting in a different part of the economy.

The Reckoning

The delicate balance that characterized the Great Moderation was shattered by COVID-19.

The subsequent economic turmoil provided the most vivid, real-time test of our Ghost Money thesis in half a century.

In response to the pandemic, governments and central banks around the world unleashed the largest monetary and fiscal stimulus in history. The U.S. money supply (M2) surged by an astonishing 27% in 2020 alone, an unprecedented expansion.

This was a deliberate and massive increase in M.

We saw the modern equivalent of “helicopter money” with direct payments from the US Government sent to both businesses and individuals.

Simultaneously, the global economy experienced a severe negative supply shock. The very definition of an anti-innovation event. Lockdowns shuttered factories. Supply chains, the arteries of global commerce, seized up. Labor shortages became acute. In our equation, T was not just growing slowly; in many sectors, it was actively shrinking.

The result was inevitable and perfectly predicted by theory.

A historic deluge of money collided with a constrained supply of goods and services. It was a perfect storm: too much money chasing too few goods. Inflation, which had been dormant for decades, roared back to life, hitting 40-year highs across the developed world.

The debate that ensued—was it "supply chain bottlenecks" or "excess demand"—was, in many ways, a false dichotomy. It was both. The bottlenecks represented the failure of T to grow, while the excess demand, fueled by stimulus, represented the explosion in M. The imbalance was extreme, and the destruction of purchasing power was the direct and painful consequence. From the price of used cars to a gallon of gasoline, the value of money was shown, once again, to be beholden to the unforgiving logic of supply and demand.

The Path Forward

Understanding this principle is not merely an academic exercise; it is essential for sound governance and individual financial survival.

For policymakers, it serves as a stark reminder that monetary policy has limits and consequences.

Creating money cannot create wealth.

True wealth comes from the difficult and dynamic process of innovation, investment, and productivity growth. A central bank's primary duty is to provide a stable monetary environment, one where the unit of account is reliable, that allows this real creative process to flourish. Ignoring this duty in favor of short-term stimulus or the monetization of government debt is a path that has historically led to ruin.

For individuals, it underscores the critical importance of understanding where real value is created. Simply saving in a currency that is being systematically debased is a losing strategy. It necessitates investing in assets that have a plausible connection to real economic output aka equity in innovative companies, real estate that provides shelter and utility, or skills that increase one's own productivity. In an era where the pact between money and innovation is under constant strain, the ultimate store of value is not the dollar in your bank account, but your claim on the real, productive capacity of the economy.

The alchemist's dream of turning lead into gold has been a persistent fantasy for centuries. The modern equivalent is the belief that a society can print its way to prosperity. But money is not wealth. It is a mirror that reflects the value a society creates. When the rate of money creation outstrips the rate of innovation, the mirror warps and the reflection distorts. The image of wealth appears, but it is a mirage. The only thing that has been truly created is inflation, the silent thief that steals a nation's future, one dollar at a time.

Money, Progress, and Price

For most of the 21st century, inflation was an abstract concept for the average citizen in the Western world. It was a relic of grainy 1970s newsreels or a cautionary tale from distant economies. That changed abruptly in the wake of the global pandemic. Suddenly, the sting was tangible. The price of gasoline, the cost of groceries, the impossibility of affording a first home… these became daily, stressful reminders that the value of a dollar was not fixed.

They still are.

This global inflationary shock was not a random accident; it was the dramatic resurfacing of a fundamental economic truth: a society's long-term prosperity and the stability of its currency hinge on a critical race between the rate at which it creates money and the rate at which it creates real-world value.

When the supply of money grows faster than a nation’s ability to innovate, produce, and improve BAD things happen.

The excess money, with nowhere productive to go, simply bids up the prices of the existing pool of assets and goods, acting as a stealth tax on savings and wages. This article will explore this crucial relationship, journeying from foundational economic theory to the historical case studies that prove its validity, from the stagflation of the 1970s to the deceptive calm of the globalized era, and culminating in the sharp lessons of our post-pandemic world. It is the story of an unseen battle that defines our economic lives: the printing press versus productivity.

The economic history of the last 50 years tells a clear and consistent story.

The purchasing power of a currency is a ledger, perpetually seeking balance between the nominal claims we create (money) and the real value we produce (goods, services, and innovation). When we issue more claims than the value we generate, those claims are inevitably devalued through inflation.

The 1970s demonstrated the dire consequences of letting monetary growth run wild while productivity falters. The era of globalization showed how a massive positive shock to productivity can temporarily mask monetary expansion, often channeling it into asset bubbles. As mentioned, the post-pandemic era delivered a stark reminder of what happens when the ledger is violently thrown out of balance. People were reminded what happens when a deluge of money meets a drought of goods.

While geopolitical shocks, shifts in consumer behavior, and public expectations add layers of complexity, they do not change the underlying arithmetic. A society cannot print its way to genuine prosperity. Lasting wealth and a stable currency are not born from the speed of a central bank's printing press but from the pace of a nation's ingenuity. The relentless, difficult, and essential work of human innovation is the only true anchor for the value of our money.

So far, we surveyed the wreckage wrought by a broken pact: the severing of the link between the creation of money and the creation of real-world value.

We diagnosed the illness: a monetary system where the supply of currency, controlled by a small cadre of central planners, expands far faster than our collective ingenuity can innovate. The symptom is inflation, a force we argued is not a benign feature of a healthy economy, but a deliberate act of intentional wealth arson that functions as the greatest, most silent heist in human history. It is the ghost in the money machine, systematically draining the value from our time, our labor, and our savings.

To understand this problem is to be faced with a profound choice. Do we accept this managed decay as inevitable, or do we seek a fundamental alternative? To simply call for more responsible central bankers or for politicians to show more restraint is a noble but naive hope. It fails to recognize that the flaw is not in the personnel, but in the system itself.

Bitcoin Solution

The temptation to print money is greater than most realize: unlimited license to finance wars, to paper over economic crises, to fund promises without levying unpopular taxes. This is a power too great for any human institution to wield without succumbing to it. The fiat system is not broken; it is functioning exactly as a system of unlimited supply is designed to function.

The solution cannot be a tweak.

It must be a paradigm shift. It requires migrating our economic lives from a foundation of shifting sand to one of solid bedrock. That bedrock exists. It is a monetary technology built not on the whims of central bank committee members whispering in dark rooms, but on the immutable laws of mathematics executed openly on the world’s largest computer, visible for the world to audit every 10-minutes. It is Bitcoin.

The idea of a "Bitcoin Standard" might seem strange to some.

The concept is radical, challenging nearly a century of established economic orthodoxy. But it is only by understanding its properties that we can see why it represents the only viable escape from the inflationary trap we have diagnosed. It is the antithesis of the current regime: bitcoin is a system of absolute scarcity, perfect transparency, and decentralized control, designed to protect value, not dilute it.

The Gravity of Absolute Scarcity

To grasp the power of a Bitcoin Standard, you must first appreciate its core innovation, a feature that makes it unique among all assets in history: decentralized absolute scarcity.

The supply of gold, humanity’s hardest money for five millennia, is not fixed.

Gold is decentralized, but it’s not infinitely scarce. If the price of gold doubles, the incentive to find more of it increases. More mines are opened, more sophisticated technology is deployed, and more gold is inevitably pulled from the earth’s crust. Its supply is elastic, constrained only by geology and technology. The same is true of all physical commodities.

We can even make gold using particle accelerators, and once the levelized cost of energy drops lower it will become increasingly commercially viable to produce gold synthetically, just like we do with lab-grown diamonds.

The supply of fiat currency is infinitely elastic, constrained only by the will of a central bank’s board of governors. As the events of 2008 and 2020 demonstrated, that will can expand the money supply by trillions with a few keystrokes.

Bitcoin is different. Its supply schedule is written in its code and enforced by a global, decentralized network of tens of thousands of nodes that no single entity can control. We know with mathematical certainty that there will only ever be 21 million bitcoin. We know the rate at which new bitcoin are created, and we know that this rate is cut in half approximately every four years in an event known as "the halving" Around the year 2140, the last fraction of a bitcoin will be mined, and the supply will become permanently fixed.

This is the first asset with an issuance rate that is algorithmically insensitive to demand and the supply is absolutely fixed. Bitcoin offers perfect, verifiable scarcity in a world of fake excess.

This is not a policy promise; it is a programmatic reality. It makes Bitcoin the first and only object known to man that possesses absolute, predictable, and unchangeable scarcity. This property is the anchor, the financial gravity around which a new, more stable and prosperous economy can be built.

Life in a Deflationary World: The Reward of Innovation

What would life look like in a society that uses a fixed-supply currency as its standard? The immediate and most profound effect would be a shift from a world of engineered inflation to one of natural, productivity-driven deflation.

In our current system, the MV=PT equation is balanced by perpetually increasing P (prices). Under a Bitcoin Standard, the money supply M becomes fixed. As human innovation and technology (T) continue to advance—as they inevitably do—the equation must still balance. With M fixed and T rising, P must fall.

Proponents of the current system will immediately raise the specter of a deflationary spiral, which is a scenario where falling prices cause consumers to hoard money, cratering demand and grinding the economy to a halt. This argument, however, fails to distinguish between two fundamentally different types of deflation. The deflation to be feared stems from a catastrophic collapse in credit and economic activity. But the deflation that a sound money standard would produce is the beautiful, natural result of human progress. It is the deflation we've witnessed with technology, where computers and smartphones become exponentially more powerful while becoming cheaper. This is not a sign of economic sickness, but the very reward of innovation being distributed to all of society.

OF COURSE the asset owners want a system where the price of assets keeps going up, and rents to use those assets with them. Deflation scares the elite to their fiat bones.

This fear is misplaced and confuses two very different types of deflation. Malign deflation is a symptom of a catastrophic collapse in demand and credit, a true economic depression. But benign deflation is the natural, beautiful consequence of human progress.

Consider the price of a flatscreen television or a smartphone.

Over the last two decades, their quality has skyrocketed while their real price has plummeted. This is technology-driven deflation. Innovation makes it cheaper to produce better goods. In a world underpinned by sound money, this healthy deflation would not be confined to the technology sector; it would be the default state of the entire economy.

The price of a cup of coffee would slowly fall over the years, not because of a coffee bean glut, but because of more efficient farming techniques, logistics, and robotics. The cost of building a home would decrease as new materials and construction methods are invented. Your money would buy you more tomorrow than it does today, not less.

This is the ultimate feature of humanity... stacking technology gains through societal transfer and other forms of collaboration that increases our leverage. It means that progress and productivity gains are passed on directly to every single person who holds the currency. It is the direct opposite of inflation, which privatizes the gains of productivity for asset owners while socializing the losses through currency debasement for everyone else.

The Rebirth of Saving and Long-Term Thinking

This predictable increase in purchasing power would fundamentally rewire our economic behavior.

Today, the system actively punishes savers. Leaving money in a bank account guarantees a loss of value. This forces every citizen to become a reluctant speculator, pushing their capital further out on the risk curve into stocks, real estate, and complex financial products simply to outrun the "silent thief." This creates a frenetic, short-term culture focused on nominal gains, fueling asset bubbles and market instability.

Under a Bitcoin Standard, saving would once again become a viable and intelligent economic act. The currency itself would be a savings technology. A person could work, save a portion of their earnings, and have confidence that their savings would retain or even increase their purchasing power over their lifetime.

This restoration of a low-risk savings path would unleash a torrent of stable, patient capital. A larger pool of real savings provides the necessary fuel for genuine entrepreneurship. Instead of capital being channeled into speculative ventures designed to front-run central bank policy, it would be allocated based on sound, long-term business plans.

Entrepreneurs would build businesses to meet real consumer needs, confident that their unit of account is stable and their customers have real savings. Innovation wouldn't just continue; it would hypercompound, built on a solid foundation of accumulated capital rather than the shaky ground of perpetual debt.

This Is What Wall Street Would Say

A transition of this magnitude is not without significant challenges, and it is crucial to address the primary criticisms leveled against a hard money standard.

Bitcoin's price is notoriously volatile.

How could it function as a daily unit of account we all depend on? This is perhaps the most frequent and understandable criticism. It's also a misinterpretation of a transitional phase. Bitcoin's volatility is a symptom of its rapid monetization, as a nascent asset on a free market discovers its price on the path to becoming a global store of value. It is a temporary state, not a permanent flaw. As its market capitalization grows from hundreds of billions to the tens of trillions currently held in assets like gold and sovereign bonds, its volatility will necessarily decrease, making it a more stable unit of account. The journey is bumpy, but the destination is a monetary base with unparalleled stability.

What about economic shocks? Couldn't a central bank print money to "stimulate" the economy out of a recession? This is precisely the thinking that creates the long-term problem. While stimulus can provide short-term relief, it does so by debasing the currency and creating deeper structural imbalances. A Bitcoin Standard forces an economy to adapt in healthier ways—through price adjustments and the reallocation of resources from failed enterprises to successful ones. It is a more painful adjustment in the short term but leads to a more resilient and authentic economic foundation, free from the moral hazard that plagues the current system.

Wouldn't a Bitcoin Standard create a new aristocracy of early adopters? This is a legitimate concern. However, the current system of asset price inflation is already the single greatest driver of wealth inequality on the planet. It disproportionately benefits the wealthy, who own the financial assets that inflate, while crushing the poor and middle class, whose wealth is primarily in cash and wages. A Bitcoin Standard offers an open, global, permissionless system. While early adopters will benefit, its transparent and predictable rules offer a far more level playing field than the opaque and discretionary system currently run for the benefit of the well-connected.

Ghost Money vs Bitcoin

The path we have been on for the last fifty years is leading to a dead end. We are trapped in a cycle of debt, debasement, and a desperate search for yield that has distorted our economies and fractured our societies. Continuing down this path promises more of the same: a slow, grinding destruction of the middle class, the punishment of prudent savers, and the increasing financialization of everyday life.

The alternative is to choose a new foundation.

A Bitcoin Standard represents a return to the principles of sound money, but on a digitally native, globally accessible, and absolutely scarce substrate. It is a system that rewards saving, encourages long-term thinking, and allows the fruits of human innovation to be shared by all through naturally falling prices. It replaces the discretionary rule of man with the predictable rule of mathematics.

This is not a technocratic fix; it is a profound philosophical choice. It is the choice to build our global economy on a bedrock of verifiable truth rather than a foundation of trust in fallible institutions that have proven themselves unworthy. The transition will be challenging, but the prize is immeasurable: a more stable, equitable, and flourishing world, where progress is reflected not in rising prices, but in the rising purchasing power of every individual. The silent heist can be stopped.

The solution is Bitcoin.

Friends: in addition to the 17% discount for becoming annual paid members, we are excited to announce an additional 10% discount when paying with Bitcoin. Reach out to me, these discounts stack on top of each other!

👋 Thank you for reading Wealth Systems.

I want to learn what topics interest you, so connect with me on X.

…or you can find me on LNKD if that’s your deal.

I started Wealth Systems in 2023 to share the systems, technology, and mindsets that I encountered on Wall Street. I am a Wall St banker became ₿itcoin nerd, ML engineer & family office investor.

I’m an investor in over a dozen technology companies and I created this substack and two others (one in business, the other technology) to examine all the acceleration across science and technology with a focus on how they impact our personal and professional lives. I’m a trusted tester for Google DeepMind. I’ve been in ML since 2009. Currently testing Google’s Diffusion model for them. Doing even more that I can’t talk about!

💡The BIG IDEA is share practical knowledge so we can each build and optimize our own wealth engines and combine them into a wealth system.

To help continue our growth please Like, Comment and Share this.

NOTE: The content provided on this blog is for informational purposes only and does not constitute financial, accounting, or legal advice. The author and the blog owner cannot guarantee the accuracy or completeness of the information presented and are not responsible for any errors or omissions or for the results obtained from the use of such information.

All information on this site is provided 'as is', with no guarantee of completeness, accuracy, timeliness, or of the results obtained from the use of this information, and without warranty of any kind, express or implied. The opinions expressed here are those of the author and do not necessarily reflect the views of the site or its associates.

Any investments, trades, speculations, or decisions made on the basis of any information found on this site, expressed or implied herein, are committed at your own risk, financial or otherwise. Readers are advised to conduct their own independent research into individual stocks before making a purchase decision. In addition, investors are advised that past stock performance is no guarantee of future price appreciation.

The author is not a broker/dealer, not an investment advisor, and has no access to non-public information about publicly traded companies. This is not a place for the giving or receiving of financial advice, advice concerning investment decisions, or tax or legal advice. The author is not regulated by any financial authority.

By using this blog, you agree to hold the author and the blog owner harmless and to completely release them from any and all liabilities due to any and all losses, damages, or injuries as a result of any investment decisions you make based on information provided on this site.

Please consult with a certified financial advisor before making any investment decisions.