There are only 24 hours in a day, and no amount of ambition can change that.

It sounds obvious, but it creates one of the most important constraints we face. If every result you want requires more of your time, eventually you’re going to hit a ceiling.

If you want to make more money, you work more hours. If you want to grow your business, you take on more clients. If you want to create more content, you spend more time creating it.

This approach works, but only up to a point. Eventually, there simply aren’t any more hours to give.

That’s where leverage changes the equation.

At its simplest, leverage means using something to multiply the results of your effort. A machine allows one person to perform work that might otherwise require a team. Capital can be invested with the goal of producing additional capital. Software can perform the same task thousands of times without requiring someone to manually repeat it each time. Social media allows one person to communicate with an audience that could potentially number in the millions.

Now we have another powerful form of leverage: artificial intelligence.

AI is beginning to give individuals access to capabilities that previously required teams of people, specialized knowledge, or significant amounts of time.

This leads to a question I think is worth asking regularly:

“How can I accomplish more without requiring proportionally more of my time?”

That’s the leverage question.

Learning to answer it could completely change the way you work.

Your Knowledge Can Become Leverage

Imagine spending ten hours learning how to solve a difficult problem.

If you use that knowledge once, you’ve received some value from those ten hours. If you turn what you’ve learned into a repeatable process, you’ll be able to solve the same problem much faster the next time it appears.

You could take it even further.

Turn the process into a template and other people can use it. Write an article about it and hundreds of people might learn from it. Create a video and that same knowledge could reach thousands of people without requiring you to personally explain it to each one.

The knowledge hasn’t changed. What changed is your ability to distribute and reuse it.

This is one reason I think certain skills are so valuable. Writing, communication, sales, investing, programming, research, critical thinking, and AI literacy don’t simply help you complete one particular task. They can improve the quality of many other things you do.

A good writer can communicate almost any idea more effectively.

A good researcher can enter unfamiliar subjects and understand them faster.

Someone who knows how to use AI effectively can potentially apply that ability across dozens of different areas.

So when you’re deciding what to learn, don’t only ask whether the skill will be useful today.

Ask:

“Will learning this make other things I do more valuable?”

The best skills often have a multiplying effect.

AI Is a Leverage Machine

A lot of the early excitement around AI focused on individual tricks.

Generate an image. Write an email. Summarize a document. Ask a chatbot a question.

Those things are useful, but I think they’re only scratching the surface.

The more interesting opportunity is figuring out how AI can increase what one person is capable of accomplishing.

Consider someone building a business alone.

Research that once required hours of searching can now be accelerated with AI. A rough idea can be turned into a first draft much faster. One piece of content can be adapted into several formats. Basic software can be built by people who aren’t traditional programmers. Repetitive administrative tasks can increasingly be automated.

None of this means human ability becomes irrelevant.

I think almost the opposite happens.

As execution becomes easier, judgment becomes more valuable.

AI can generate a hundred business ideas, but you still have to recognize which one solves a real problem.

It can give you twenty headlines, but you still need to understand which one will resonate with your audience.

It can help you write software, but someone still needs to decide what is worth building.

It can produce enormous amounts of content, but producing more content isn’t necessarily the same as saying something worth hearing.

As these tools become widely available, simply having access to AI won’t provide much of an advantage. Almost everyone will have access to similar technology.

The advantage will come from knowing what questions to ask, what problems to solve, what to ignore, and how to turn the technology into useful systems.

That’s why I don’t think the goal should be to compete with machines.

The goal is to become exceptionally good at using them.

Build Income That Can Scale Beyond Your Hours

Most of us begin our financial lives by selling our time and skills.

You work for an hour and someone pays you for that hour. There’s nothing wrong with this. It’s how most people build their initial income, experience, and skills.

The limitation is that you can’t sell the same hour twice.

Assets work differently.

A piece of software can serve another customer without requiring another hour of development. A video you created months ago can still be watched today. A book or digital product can be sold repeatedly. Money invested in productive assets has the potential to generate returns without requiring you to personally perform additional work for every dollar earned.

Businesses can also use people, technology, capital, and systems to create more value than the founder could ever produce alone.

These are all forms of leverage.

You don’t need to build a billion-dollar company to benefit from this idea.

Imagine simply shifting 10% of your working time away from tasks that disappear as soon as they’re completed and toward building something that can continue creating value.

Maybe that means building a small business, creating evergreen content, learning to automate part of your work, developing intellectual property, or consistently investing a portion of your income.

Over time, perhaps 10% becomes 20%.

The goal isn’t necessarily to create completely passive income. Very few worthwhile things are truly passive.

A more realistic goal is to gradually separate some portion of your future income from the number of hours you personally have available to work.

When that starts happening, money can begin giving you something much more valuable than another possession.

It can give you more control over your time.

Action Steps You Can Take Today

Take a look at how you spent your working time this week.

Some of that work probably created value once. You answered an email, attended a meeting, completed a task, or performed work for someone else. Once the task was finished, the value of that particular effort was mostly exhausted.

Other work may continue producing value after you’ve stopped working on it.

Maybe you created something reusable, documented a process, improved a system, learned a valuable skill, invested money, automated a recurring task, or built an asset.

Both types of work are necessary.

The goal isn’t to eliminate work that requires your time. Instead, try gradually increasing the percentage of your time spent creating things that continue providing value afterward.

Ask yourself:

“What could I create this week that would still be useful a year from now?”

It doesn’t have to be something huge.

You might automate a task you perform every Friday. You might create a template you’ll use dozens of times. You could document something you’ve learned instead of figuring it out again later. You might invest some of the money you earned rather than spending all of it.

Or maybe you create something once that can eventually help hundreds of other people.

The point isn’t to escape the time-for-money equation overnight.

It’s to gradually change the ratio.

Working harder can increase your output, and working smarter can improve your efficiency.

Leverage allows your effort to travel further than you can.

That’s worth building toward.

Thanks for reading. I’ll see you next Friday.

— Phil Zen Kim
Founder of MMM

P.S. If you know someone who’s constantly working harder but never seems to have more time, forward this issue to them.

The post Stop Trading Your Time for Everything appeared first on Mind, Machines, Money.

There are days when you feel unstoppable.

You wake up motivated. You have an entire plan mapped out. You start to exercise and work on your goals. You are eating better and making some good progress.

And you think:

“This time, I’m finally going to stay consistent.”

Then Tuesday happens.

You’re tired.

Something goes wrong.

You don’t feel like doing the work.

Suddenly, the habits that seemed easy yesterday require enormous effort.

This is where most plans begin to fall apart.

It’s not because the goal was wrong.

It’s not because you aren’t capable.

It’s because the plan depended on something incredibly unreliable.

It depended on whether you felt like doing it.

Motivation is useful for getting started, but it’s terrible infrastructure for building a life.

The alternative is to build systems that make progress easier even when motivation disappears.

Your Environment Is Shaping You

We like to imagine that our behavior comes entirely from willpower.

Take a look around you. Your phone is within reach. 

Notifications are waiting.

Netflix remembers exactly where you stopped.

Social media has an infinite feed ready whenever you become slightly bored.

Food can arrive at your door with a few taps.

Modern life is filled with systems designed to make certain behaviors incredibly easy.

So instead of constantly fighting your environment, change the environment.

Want to read more?

Put the book somewhere you’ll see it.

Want to stop checking your phone while working?

Put it in another room.

Want to exercise in the morning?

Prepare everything the night before.

Want to create consistently?

Choose a recurring time and place where creation happens.

This seems almost too simple, and that’s the point.

Good systems reduce the number of decisions required to do the right thing.

You don’t want to win the same argument with yourself every morning.

Design the argument out of the equation.

Use Machines to Remove Friction

This is where technology becomes extremely powerful.

Most people use technology to consume.

You can also use it to design your environment.

Calendar recurring tasks.

Automate repetitive work.

Create templates.

Use AI to handle first drafts.

Build reusable prompts.

Schedule reminders.

Create workflows that move information automatically.

The goal isn’t to automate your entire life.

It’s to stop repeatedly spending your attention on things that don’t require your creativity or judgment.

Imagine something takes you 20 minutes every week.

That’s not much.

However, if you build a system that reduces it to two minutes, you’ve reclaimed more than 15 hours over the next year.

Now imagine doing that across ten recurring tasks. That’s leverage.

The question I’d ask this week is:

“What am I doing manually simply because I’ve never stopped to build a better system?”

Every recurring frustration is a potential candidate for automation.

Your Financial Life Shouldn’t Depend on Willpower Either

The same principle applies to money.

Imagine deciding every month whether you’re going to save.

Some months you will.

Other months something will come up.

Eventually, saving becomes whatever is left over.

Now compare that with a system where money automatically moves toward your goals.

Income arrives.

A portion goes toward expenses.

A portion goes toward savings.

A portion goes toward long-term investments.

A portion can go toward building or acquiring assets.

You still decide the strategy.

Once you’ve decided, the system helps execute it consistently.

This is one of the most powerful principles in personal finance:

Make the behavior you want happen by default.

The same idea applies to building income.

Instead of constantly asking:

“How can I make money today?”

You can gradually build systems and assets capable of producing value repeatedly.

A business system.

An investment portfolio.

Evergreen content.

Software.

Intellectual property.

A newsletter.

The objective isn’t necessarily “passive income.”

Very little is truly passive.

The objective is something more realistic:

Separating some portion of your future results from your future hours.

I use an app called Rocket money. It’s connected to my bank accounts and my credit cards. It tracks all my spending every month, and lets me categorize each expense into the proper categories. This allows me to track my spending and see where I am overspending each month. Seeing this visual data also makes it way easier to stick to a monthly budget. This is one example of using an automated system that doesn’t depend on willpower and whether you feel like doing something.

Action Steps You Can Take Today

Find one recurring problem in your life.

Something you repeatedly procrastinate on.

Or waste time doing manually.

Then don’t ask:

“How can I become more disciplined?”

Ask:

“How could I redesign this so it requires less discipline?”

Maybe you automate it.

Schedule it.

Remove a distraction.

Create a template.

Change your environment.

Use AI.

Eliminate the task entirely.

Establish a simple rule so you don’t have to keep making the same decision.

Start with one.

Then improve another.

And another.

Over time, something interesting begins to happen.

Your environment starts working with you instead of against you.

You still need discipline.

You still need ambition.

You still need to act.

You no longer need to manufacture motivation every morning just to keep moving.

The goal isn’t to become someone who is motivated all the time.

It’s to build a life that still moves forward when you’re not.

Thanks for reading. I’ll see you next Friday.

— Phil Zen Kim
Founder of MMM

P.S. If you know someone constantly waiting to “feel motivated again,” forward this issue to them.

The post Stop Relying on Motivation And Use This Instead appeared first on Mind, Machines, Money.

Most goals begin with something we want.

Whether it’s more money, a better career, a successful business, better health, more confidence, more freedom, etc…

There’s nothing wrong with wanting these things.

But we often become so focused on the outcome that we overlook something more important:

Who would you have to become to create it?

This is where I think a lot of traditional manifestation advice gets things backward.

We’re told to visualize the house, imagine the money, and picture the lifestyle.

Feel as though we already have it.

Visualization can be useful.

But imagining the destination without changing the person walking toward it won’t get you very far.

Because your current life isn’t just the result of what you want.

It’s also the accumulated result of what you repeatedly think, tolerate, choose, and do.

If you want a different future, eventually something about the person creating that future has to change.

Identity Comes Before Outcomes

Imagine you want to become financially independent.

You could spend every morning visualizing a million dollars in your bank account.

However, there’s another exercise that may be more useful.

Imagine the person capable of building and maintaining that wealth.

How would that person think about money?

What skills have they developed?

How do they respond when an opportunity fails?

What do they spend their time learning?

What do they refuse to waste time on?

What do they do when they don’t feel motivated?

Now compare that person with how you’re currently living.

The distance between the two is where the real work begins.

This is why I think one of the most useful questions you can ask is not:

“How do I get what I want?”

Rather:

“Who would I need to become for this outcome to become natural?”

There’s an important distinction here.

This doesn’t mean pretending you’re already wealthy, successful, confident, or enlightened.

It means beginning to practice the behaviors and decisions associated with the person you’re becoming.

Identity becomes direction.

And your repeated actions become evidence.

 Adopt an Owner Mentality

There’s also an identity shift that happens when you begin building wealth.

You stop thinking only like a consumer.

And start thinking more like an owner.

Consumers ask:

“What can I buy?”

Owners increasingly ask:

“What can I own?”

Shares of productive businesses.

A company.

Intellectual property.

A website.

A newsletter.

Software.

Digital products.

Real estate.

Other productive assets.

Of course, ownership involves risk, and not every asset increases in value.

The underlying shift matters.

Every dollar and every hour can either disappear through consumption or potentially be directed toward something that continues creating value.

The same applies to your work.

Ask yourself:

“Did my work today create something I own?”

The answer won’t always be yes.

It doesn’t need to be.

If the answer becomes yes more frequently over the next decade, your financial trajectory can look very different.

Action Steps You Can Take Today

Choose one outcome you genuinely want.

Then forget about the outcome for a moment.

Write this question down:

“Who would I need to become to make this outcome increasingly likely?”

Describe that person.

How do they spend their mornings?

What do they learn?

What do they create?

How do they handle money?

How do they use technology?

What habits have they stopped?

What difficult things do they do even when they don’t feel like doing them?

Then choose one behavior from that future version of yourself.

Do it today.

Not next Monday.

Not January 1st.

Today.

Because there’s a subtle difference between wishing for another life and beginning to become the person capable of creating it.

Maybe manifestation isn’t simply about attracting what you want.

Maybe part of it is aligning your thoughts, behaviors, and actions with the life you intend to create.

You don’t have to become that person overnight.

You just need to cast another vote for them today.

— Phil Zen Kim
Founder of MMM

P.S. If someone came to mind while reading this, forward this issue to them. It might be the question they need right now.

The post Stop Chasing the Outcome. Become the Person Who Gets The Outcome appeared first on Mind, Machines, Money.

Most people understand compounding when it comes to money.

Invest $100 today, earn a return, reinvest that return, and eventually your money begins earning money on itself.

But compounding isn’t limited to your investment account.

Your entire life compounds from:

• The skills you practice.
• The information you consume.
• The habits you repeat.
• The relationships you maintain.
• The technology you learn.
• The assets you build.
• Even the way you think.

The problem is that compounding is incredibly difficult to notice in the beginning.

You can work on something for weeks and see almost nothing.

Then months or years later, the accumulated effect can look like an overnight success.

This creates an interesting problem.

The period when consistency matters most is often the period when you receive the least evidence that it’s working.

Your Mind Compounds

Every repeated thought or behavior makes certain patterns easier to repeat.

This can work for you or against you.

Spending years avoiding difficult situations and avoidance becomes increasingly natural.

Practice facing discomfort and your ability to tolerate uncertainty can improve.

Read thoughtful material consistently and you’ll gradually develop a larger library of ideas to draw from.

Meditate regularly and you may become better at noticing your thoughts without automatically reacting to them.

None of these changes happen overnight.

That’s exactly the point.

We tend to overestimate what one intense day can accomplish while underestimating what a small practice repeated hundreds of times can become over the course of several years.

Think about something you want to change in your life.

Instead of asking:

“How can I change this quickly?”

Try asking:

“What could I repeat for the next three years that would make the outcome increasingly likely?”

Money Loves Time

Consider two people who want to build wealth.

Person A spends years waiting until they earn more money before taking their finances seriously.

Person B starts learning, saving, investing responsibly, and building assets with whatever resources they currently have.

Person B may not look wealthy for a long time.

That’s because the early stages of compounding are boring.

The numbers are small and progress feels slow, but eventually something changes.

Your capital grows. Your knowledge grows. Your earning ability may grow.

Your assets can begin producing additional assets, and time starts doing more of the heavy lifting.

This applies beyond investing.

• A business compounds.
• A reputation compounds.
• A library of evergreen content compounds.
• An email list compounds.
• Intellectual property compounds.
• Skills compound.

The common ingredient is ownership + time.

Instead of only asking:

“How can I make more money?”

Consider asking:

“What can I own today that might become more valuable over the next decade?”

Action Steps You Can Take Today

Choose one thing you want to compound.

Not ten.

One.

It could be:

• Investing a fixed amount regularly
• Learning an AI skill
• Exercising
• Meditating
• Building a business
• Writing
• Creating content
• Developing a valuable professional skill

Then make the action small enough that you could realistically continue doing it even when motivation disappears.

Finally, ask yourself:

“If I repeated this consistently for three years, where could it take me?”

You probably won’t know the exact answer.

That’s okay.

Because some of the most important progress in life happens quietly.

At first, almost nothing appears to be changing.

Then one day you look back and realize the small actions weren’t small at all.

They were accumulating.

Your future is being compounded by what you repeatedly do today.

Thanks for reading. I’ll see you next Friday.

— Phil Zen Kim
Founder of MMM

P.S. Think of one person who would benefit from playing the long game. Forward this issue to them.

Mind, Machines, Money

Upgrade your mind. Master machines. Manifest money.

The post The Most Powerful Results Are Usually Invisible at First appeared first on Mind, Machines, Money.

We live in an age where almost anything you want to learn is available within seconds.

Want to start a business? There are thousands of tutorials.

Want to learn how to invest? Entire university courses are available for free.

Want to use AI? You can find hundreds of tools, prompts, and guides before finishing your morning coffee.

Want to improve your life? There’s an endless supply of books, podcasts, videos, and newsletters telling you how.

And yet, having access to more knowledge doesn’t necessarily mean we’re making more progress.

Sometimes, learning becomes a sophisticated form of procrastination.

We tell ourselves:

“I’ll start once I understand this better.”

So we watch another video.

Read another article.

Save another post.

Ask AI another question.

Eventually, we know far more than we need to know, but haven’t actually done much with it.

There’s a point where the next piece of information has less value than simply acting on what you already know.

Knowledge Isn’t Power Until It’s Applied

Imagine someone who has read 20 books about investing but has never invested a dollar.

Now imagine someone who has read one good book, understands the fundamentals, and has consistently invested for ten years.

Who benefited more from their knowledge?

The same principle applies almost everywhere.

You can study entrepreneurship without starting a business.

You can consume productivity content while procrastinating.

You can research fitness while avoiding exercise.

You can learn about meditation without ever sitting quietly for ten minutes.

Information creates potential.

Action converts that potential into experience.

And experience gives you something information can’t:

feedback.

Once you act, reality starts teaching you.

You discover what works.

You discover what doesn’t.

You discover what you misunderstood.

And suddenly, the next thing you need to learn becomes much clearer.

Instead of asking:

“What else do I need to know?”

Try asking:

“What do I already know that I’m not applying?”

That question can be uncomfortable.

But it can also save you hundreds of hours.

AI Tool Spotlight: Perplexity

AI has made accessing information easier than ever, which makes filtering that information even more important.

Perplexity is particularly useful when you want to research a topic while being able to trace information back to its sources.

Rather than opening dozens of browser tabs, you can use it as a starting point for exploring a question, identifying relevant sources, and deciding where you want to investigate further.

But there’s an important distinction:

AI should help you compress the research process, not give you another excuse to remain in research mode forever.

Use AI to get from question → understanding → action faster.

Not question → infinite questions.

The Most Valuable Form of Wealth Might Be Ownership

Most people are paid for something that disappears almost immediately:

their time.

You work an hour.

You get paid for an hour.

Then the transaction is finished.

There’s nothing inherently wrong with that. Most of us begin there.

But long-term wealth becomes much more interesting when some of your effort starts producing things you can own.

Here are a few examples of assets you can own:

• A business.
• Investments.
• Intellectual property.
• Software.
• A website.
• A newsletter.
• Evergreen content.
• A digital product.

These assets can continue creating value after the initial work has been completed.

That doesn’t make them passive.

It makes them leveraged.

The goal isn’t necessarily to stop working.

It’s to gradually shift more of your work toward things that continue benefiting you after the workday ends.

Ask yourself:

How much of my effort this week created something I still own?

Action Steps You Can Take Today

Pick one thing you’ve been researching but haven’t started.

Don’t research it again today.

Instead, spend 20 minutes doing the smallest real version of it.

If you’ve been learning about investing, review what you actually need to take your first responsible step.

If you’ve been researching a business idea, create the first rough version of the offer.

If you’ve been learning AI, build one useful workflow.

If you’ve been thinking about creating content, publish something.

It doesn’t need to be impressive.

The objective is simply to cross the line between consuming and creating.

Because the internet has made information abundant.

AI is making intelligence increasingly accessible.

But there’s one thing neither can do for you:

take the first step.

Thanks for reading. I’ll see you next Friday.

— Phil Zen Kim

Founder of MMM

P.S. If this issue reminded you of someone who has 47 browser tabs open while researching their next big idea, send it to them. Maybe they’ll finally close a few.

The post You Probably Don’t Need More Information appeared first on Mind, Machines, Money.

Every day, your brain is asked to process more information than ever before.

There is an endless array of new AI tools, new business ideas, new investment opportunities, new productivity systems, new opinions.

The problem isn’t that information is hard to find.

The problem is that everything competes for your attention while very little deserves it. In today’s world, we are constantly dealing with information overload.

That’s one of the main reasons I started Mind, Machines, Money.

MMM aims to filter the noise to help you get more clarity and focus towards a meaningful direction.

Instead of chasing every trend, I’d rather spend time finding the ideas that are likely to matter years from now.

Because while technology changes rapidly… Human nature changes very slowly.

The people who consistently make better decisions usually aren’t consuming more information.

They’re getting better at recognizing what deserves their attention.

Attention is Your Most Valuable Asset

Imagine two people.

The first consumes hundreds of pieces of content every week.

The second consumes less, but spends more time thinking about what they learned and actually applying it.

Who is more likely to improve?

Knowledge compounds only when it becomes action.

One useful idea applied is worth more than a hundred forgotten.

This week, ask yourself:

What deserves more of my attention, and what deserves less?

AI Tool Spotlight

​Gemini Notebook​

If you haven’t tried it yet, Gemini Notebook is one of the most interesting AI research tools available.

Instead of asking AI questions about the internet, you give it your sources: PDFs, notes, documents, articles, and it answers based on those materials.

Think of it as a research assistant for your own knowledge base.

It’s especially useful for creators, students, and anyone who spends time learning from long-form content.

Leverage Isn’t About Working Harder

Many people think wealth comes from working longer hours.

In reality, long-term wealth often comes from building systems that continue creating value after the initial work is done.

That’s why I’m building MMM around:

• Evergreen content
• An email newsletter
• Digital products
• Long-term relationships
• Thought provoking insights, and ideas

Effort alone won’t get you the results you desire if it’s not applied towards building long term assets that compound over time.

Whenever possible, ask yourself:

Am I creating something that keeps working after I’m finished?

Recommendation

Book: The Psychology of Money by Morgan Housel.

If you haven’t read it, it’s one of the best books on how behavior—not intelligence—often determines financial outcomes.

It’s timeless, practical, and worth checking out.

Action Steps You Can Take Today

Today, unsubscribe from one newsletter, unfollow one account, or delete one app that overwhelms you with noise, but adds no value to your life.

Then use those reclaimed minutes to learn one idea deeply instead of ten ideas superficially.

Attention is finite, so spend it intentionally.

Thanks for reading. I’ll see you next Friday.

— Phil

P.S. If you found this issue valuable, consider forwarding it to someone who enjoys thoughtful conversations about psychology, technology, and building wealth.

Mind, Machines, Money

Upgrade your mind. Master machines. Manifest money.​

The post Your Brain Wasn’t Designed for This appeared first on Mind, Machines, Money.

Hi,

Welcome to The MMM Letter.

I’m glad you’re here.

You subscribed because you want more than surface-level advice.

Every day we’re flooded with information: new AI tools, business trends, productivity hacks, investment opinions, and self-improvement content. The challenge isn’t finding information anymore. It’s knowing what actually matters.

That’s why I created Mind, Machines, Money.

Each week, I’ll do the research so you don’t have to.

You’ll receive practical insights designed to help you:

Think better with timeless mental models, psychology, and decision-making frameworks.

Use technology smarter by discovering AI tools, automations, and systems that genuinely improve your work and life.

Build wealth intelligently through ideas on entrepreneurship, investing, digital assets, and long-term financial thinking.

My goal isn’t to overwhelm you with more content.

It’s to help you make better decisions.

Every Friday, you’ll receive an email focused on high-signal ideas you can actually apply.

Here’s what you can expect from The MMM Letter:

• Powerful ideas worth thinking about.
• Useful AI tools or workflow.
• Practical insights on business or wealth.
• Recommendations (book, article, podcast, or resource).
• Simple actions to put into practice on a regular basis.

No hype.

No endless scrolling.

Just useful ideas that compound over time.

I’m excited to build this with you.

Thanks for being here from the beginning.

See you on Friday.

— Phil

P.S. If you know someone who enjoys thoughtful conversations about mindset, technology, and building a better future, feel free to forward them this email. The best communities grow one recommendation at a time.

The post Welcome to The MMM Letter appeared first on Mind, Machines, Money.