The archive
Every issue, in one ledger.
Each issue goes out to subscribers first. The web version below is published two weeks later, with the subscriber-only bonus section removed — see something worth reading? The full version, with the Tool Corner and Reader Question, is always in the email.
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Your bank just said the quiet part out loud
JPMorgan blocks outside agents. The FSB puts human oversight in writing.
Read online →Getting paid in three currencies and losing track of all of them
The markup isn't in the exchange rate your bank shows you — it's in the one it doesn't.
Read online →Four countries, one question: who's accountable when your agent moves money?
The US, UK, EU, and Singapore are answering it differently — and none of them agree yet.
Read online →Solo 401(k) vs SEP IRA: the retirement account gap freelancers keep missing
Two accounts, one obvious-sounding choice — except the account most solo operators default to isn't the one that lets them save the most.
Read online →Invoicing, collections, and the automation freelancers actually need
Not agentic AI hype — just the plumbing that makes irregular income less painful.
Read online →One month in: what we've actually learned about AI agents and money
Five issues, one framework, and the calculator that ties it together.
Read online →Bounded autonomy: why less than full autonomy is the safer bet
The number behind why almost nobody's letting agents run unsupervised — and why that's not a compromise.
Read online →How much should you actually let an agent touch? We built a calculator.
Enter your numbers, get a suggested limit per category — not a guess.
Read online →Budgeting on irregular income: 5 financial tasks your agent can handle this month
A practical starting list, ranked by how safely each task can be bounded.
Read online →From KYC to KYA: why banks now have to verify your AI agent, too
Know-Your-Customer just grew a second layer, and it changes which tools you can trust.
Read online →Freelance Agentics: the new class of independent professional
Why an entire generation of solo operators is about to hand financial tasks to software — and what that means for your income.
Read online →