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Young Money by Jack Raines

youngmoney.co

Jack Raines' essays on all things behavioral finance, markets, work, and life. Click to read Young Money by Jack Raines, a Substack publication with tens of thousands of subscribers.

Essays / personalSociety / politics / economy

’21’22’23’24’25’26
Posts
342 from 20 Jul 2021 to 27 Oct 2026
Posting
weekly (35 in the last year)
Kind
personal blog
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https://www.youngmoney.co/feed

2026 30

  1. Prestige Traps and Technological Shifts.
  2. The Difference Between “Can” and “Should”
  3. Beginnings
  4. 29-Year-Olds Can Write Memoirs Too.
  5. The Art of Self-Promotion
  6. Young Money Launch Week Update!
  7. Buy Your Copy of Young Money Today!
  8. Life Is a Stage-Specific Endeavor.
  9. The Cost of Apathy.
  10. Three Weeks Until Book Launch!!
  11. The Cost of Status
  12. 29% Loaded
  13. The World Needs Less "Content," Not More
  14. How Can You Not be Romantic About NYC?
  15. Audience Capture and Short-Form Slop
  16. Software is Dead, Long Live Software
  17. Brevity as a Sign of Humanity
  18. AI's Looming Talent Retention Problem
  19. Preorder Your Copy of Young Money, the Book!
  20. Uptick in Anti-AI Terrorism
  21. The trillion-dollar perception gap between Silicon Valley and normal people.
  22. Forward Deployed Hedge Fund Analysts
  23. Dispatch from the permanent underclass.
  24. Nothing is ever really "priced in" is it?
  25. Check out Young Money, the Book.
  26. Private Credit's AI Problem
  27. What Comes Next?
  28. Elon Musk Did It Again
  29. Financial Modeling Will Be Obsolete
  30. Happy 2026, Let's Get This Bread

2025 25

  1. India, Deep Work, and Some 2026 Goals
  2. Chapter 58: From India, with Love.
  3. Some thoughts on "Head of Narrative"
  4. Back to New York
  5. Time to start blogging again.
  6. Write it down, write it down, write it down.
  7. My Travel Blog GPT
  8. Performative Grind Culture and the "9-9-6"
  9. Back to San Francisco, and a few other things.
  10. What Are You Optimizing For?
  11. Chapter 57: A Week in Tel Aviv
  12. Camcorders are back, let's hang in SF, tune into my weekly livestreams?
  13. Vibe Coding, Investing in Creators, and Summer "Out East."
  14. My Recent Experience with "Vibe Coding"
  15. Okay, I wrote a book.
  16. BRB, I need to finish writing a book.
  17. No one had more fun than Donald Trump last week.
  18. 28% Loaded.
  19. Russian Uber Drivers Are America's Leading Optimists
  20. My First Evening in San Francisco
  21. My First Evening in San Francisco (Audio)
  22. What happens when knowledge is commoditized?
  23. Investing in Creators.
  24. The Late-20-Something's Professional Dilemma
  25. New Year, New Me, New Job, New City.

2024 32

  1. Factory Reset.
  2. You Only Have to Get Rich Once.
  3. Ask Good Questions
  4. Some Thoughts on What Makes New York so Great.
  5. Status Games Rule Everything Around Me.
  6. Investing in an Age of Distraction
  7. On the False Romanticization of Small Town USA.
  8. Tell Good Stories.
  9. 8/26/2024 Market Thoughts
  10. 8/22/24 Thoughts on Financial Markets
  11. Analog Is Cool Again
  12. Some News: I'm Writing a Book!
  13. The Cost of Apathy.
  14. The Overton Window Has Shifted
  15. No More Ads, Premium Subscriptions, Audio, and More.
  16. The Purpose of Things Isn't to Stop Doing Things.
  17. The Benefits of Slowing Down.
  18. AI is making the internet worse
  19. Adios, Business School.
  20. No Rules.
  21. Be Your Own Marketing
  22. "Is Business School Worth It?"
  23. Jack's March 2024 Recap
  24. Rethinking Risk.
  25. Media Isn't Dead, It's Evolving.
  26. Jack's February 2024 Recap: I Got a Job
  27. Why Don't We Do What We Want?
  28. What Are We Assuming?
  29. On Anonymity and the Right to Privacy
  30. Jack's January 2024 Recap
  31. The Cost of Efficiency
  32. Everything Wrong with New Year's Resolutions

2023 68

  1. Not Everything "Depends on Context."
  2. Americans Aren't Poor, They're "Pre-Rich"
  3. The Cost of Progress
  4. Creating Your Own Career
  5. The Creator Economy Isn't Dead
  6. Why Are Young People Rich and Miserable?
  7. Chapter 56: RV Trip Out West
  8. Two Types of Money Problems
  9. Magic Internet Money
  10. Betting Against Regulators
  11. Everything You Can't Predict.
  12. Instacart's IPO and the Problem with "Series I's"
  13. The Cyclicality of Everything
  14. Ryan Cohen's Meme Stock Love Affair
  15. Margin of Safety
  16. Timing Matters
  17. What's a Reputation Worth?
  18. Chapter 55: Summer in Spain
  19. Some Advice for a 22-Year-Old Just Getting Started
  20. Halfway Through My Professionally-Acceptable Two-Year Experiment
  21. What's Going On: Retail Traders Love Bankrupt Stocks
  22. The Inefficient Market Hypothesis: How Hertz Became the First Meme Stock
  23. Categories of 1
  24. Five Career-Related Things I've Changed My Mind On
  25. Does Threads Pose an Existential Threat to Twitter?
  26. The Money Cliff
  27. In Defense of the Fed
  28. Chasing the AI Goldrush
  29. The Difference Between Self-Employment and "Normal" Jobs
  30. You Don't Have to (and Probably Shouldn't) Make Your Passion Your Profession
  31. Chapter 54: Colombia with Columbia, Part 2
  32. Chapter 53: Colombia with Columbia, Part 1
  33. Chapter 52: BOYS TRIP TO GUATE
  34. You Can Be Successful Without Being Insufferable
  35. The Case for Living Life Backwards
  36. The Most Important Asset That You Never Think About
  37. The Offers You Shouldn't Accept.
  38. We Should Really Be Having More Kids
  39. The Upside to Delayed Success
  40. That Whole "Your Network Is Your Net Worth" Cliche
  41. Dopamine Overload
  42. Did Judas Iscariot Make the Worst Deal in History?
  43. The Metaverse Was a Pandemic Pipe Dream.
  44. How to Create Your Own Luck
  45. 26% Loaded
  46. Fighting Entropy
  47. Chapter 51: Sumo, Sake, and Some Naked Dudes in a Pool.
  48. March Madness & the Billion Dollar Nonprofit
  49. Chapter 50: The Boys Go to Japan
  50. Everything You Didn't Think Of.
  51. Coffee Chat #3: Ben Minden from Bear Hug Cattle Company
  52. Infinite Games
  53. How Does This Whole "Writing Online" Thing Work?
  54. Let Me Tell You a Story.
  55. For the Love of God, Can We Stop Virtue Signaling?
  56. What Does "Upper-Middle Class" Actually Mean?
  57. Lifestyles of the Rich & Famous
  58. One Trick Ponies
  59. The Timeless Stuff.
  60. It's Not Supposed to Be Easy.
  61. When Diversification Dies
  62. 11 Things That 0% Interest Rates Caused
  63. Bear Markets and Identity Crises
  64. Chapter 49: The Squad Goes to Chamonix
  65. Chapter 48: Family-Friendly Fun in Edinburgh
  66. If You're Reading This You've Already Won
  67. Chapter 47: Live, Laugh, London ❤️
  68. Why New Year's Resolutions Fail

2022 117

  1. Why Investing Is Hard.
  2. That's a Wrap, 2022
  3. The Hidden Cost of Artificial Intelligence
  4. Coffee Chat #2 with Ben Miller
  5. Defining "Enough"
  6. The Beauty of Sports
  7. Chapter 46: Medellin
  8. Terminally Online
  9. Weird Nerds and Seductive Stories
  10. Coffee Chat #1 with Ian Myers
  11. The Struggles of Being a Creator
  12. Ineffective Altruism
  13. Magic Internet Money
  14. The Golden Age of Grift
  15. Chapter 45: Dominican Republic
  16. Location, Location, Location
  17. Some More Unconventional Finance Advice
  18. The Money Value of Time
  19. I'm Pretty Sure I Broke Linkedin
  20. In the Heat of the Moment
  21. Will AI Replace Creative Work?
  22. "So Why Are You in Business School?"
  23. The Dichotomy of Work
  24. Almost Didn't Happen
  25. Rethinking Risk
  26. Are You Paying Attention?
  27. A Memoir to Chamath and the SPAC Bubble
  28. Fomo
  29. Good Ignorance.
  30. Same Cards, Different Games
  31. The Overfinancialization of Everything
  32. Flavor of the Week
  33. You Can't Cure Cancer with a Bandaid: The Student Debt Problem
  34. On Meaningless Careers
  35. Apple's Diabolical Plan to Control the Ads
  36. Can't Take It with You
  37. Six Types of Wealth
  38. Chapter 44: Moving to New York
  39. The Religion of Speculation
  40. Moving to New York
  41. $660M in a Day: The Big Oil Short
  42. 1+1 = 3
  43. The Case for Traveling More
  44. What Recession?
  45. The Truth about Work-Life Balance
  46. Good Luck.
  47. Young Money Turns 1!
  48. Chapter 43: Amsterdam with Friends!
  49. Chapter 42: Madrid (v2) and Porto
  50. How I Write.
  51. A Totally Serious List of Ideas to Solve the Debt Crisis
  52. In Pursuit of Side Quests
  53. A Politically Incorrect Blog Post.
  54. Spotlight Effect
  55. Chapter 41: Island Bois
  56. The Eye of the Storm
  57. Not Financial Advice.
  58. Chapter 40: Weekend in Barca
  59. Chapter 39: Sevilla Was Hotter Than the Surface of the Sun
  60. What Money Can't Buy.
  61. Chapter 38: Me Gusta Madrid
  62. What a Time to Be Alive
  63. The World's Best Inflation Hedge
  64. The Benefits of Boring
  65. Chapter 37: Back to Barcelona
  66. The Future of You
  67. Chapter 36: Venice & Sicily
  68. The Inefficient Market Hypothesis
  69. Chapter 35: When in Rome
  70. Snap Back to Reality
  71. What Are You Waiting For?
  72. 10 Ideas That I've Been Thinking About.
  73. How to Actually Learn a Foreign Language
  74. Chapter 34.5: Let's Run It Back
  75. Price Anchoring and Broken Stories
  76. Argentina's Inflation Problem
  77. Let's Spend Some Money
  78. The Paradox of Choice
  79. Fate Loves Irony
  80. A New Definition of Alpha
  81. Trickle-Down Euphoria
  82. Putting Success on a Pedestal
  83. Jack of All Trades, Master of Some
  84. Madness of the Crowds
  85. When the Clock Hits Zero
  86. Sins of Extrapolation
  87. The Economics of Writing Online
  88. 25% Loaded
  89. Germany's Russian Gas Problem
  90. How I Lost $150K in a Day
  91. The Privilege to Take Risks
  92. March Madness & the Billion Dollar Nonprofit
  93. Time Isn't Money
  94. Chapter 34: Patagonia (Not the Jacket)
  95. Risk
  96. Chapter 33: Mar Del Plata
  97. "F*ck You" Money
  98. Precedented Times
  99. Perverse Incentives
  100. The Market Is Wrong, Bro
  101. Being Right for the Wrong Reasons
  102. Chapter 32: Super Bowl Down South
  103. Chapter 31: Viva Argentina
  104. Chapter 30: We're So Back
  105. Dopamine.
  106. Don't Burn the Ships
  107. When the ARKK Is Full
  108. Volatile Times
  109. Valuation Matters
  110. The Opportunity Cost of Everything
  111. Rest in Pieces, Legacy Media
  112. Turbulent Times
  113. Creating Value > Exerting Effort
  114. Leverage for Your Life
  115. Why Is Friendship a Casualty of Growing Up?
  116. Young Money Is Moving to Beehiiv
  117. When "Community" Is Shaped Like a Pyramid

2021 70

  1. Reflection (from My Time Abroad)
  2. House Money
  3. Chapter 29: Reflection.
  4. Chapter 28: A Proper Good Week in England
  5. Life Pro Tip: Learn to Write
  6. Rich in Experiences, Sufficient in Finances
  7. Chapter 27: Feliz Navidad in Sevilla
  8. A Bit about Me
  9. Valuation Matters.
  10. Bias Towards Action
  11. Chapter 26: My Laptop Broke lol
  12. Chapter 25: Berlin
  13. Chapter 24: King of the North
  14. External Evidence > Internal Confidence
  15. National Treasure 3: The Rug Pull
  16. Chapter 23: Scandinavious
  17. The Golden Age of Grift
  18. The Definition of Insanity
  19. Chapter 22: Bike Capital of the World
  20. We the Peopl3
  21. Inflation Up, Your Savings Down
  22. Chapter 21.5: 77 Thoughts for 77 Days
  23. Chapter 21: Edinburgh Is so Class
  24. Power to the Players
  25. Chapter 20: Tallest Man in Europe
  26. Chapter 19: EdinBRUH, Halloween (Pt. 1), and a New Job
  27. Play Dumb, Get Rich
  28. Chapter 18: Fish and Chips
  29. How Memes Move Markets
  30. Chapter 17: Jack's Romana
  31. Indefinite Optimism
  32. Chapter 16: From Budapest to Florence 🤌🏼
  33. Chapter 15.5: 50 Days in, Now What?
  34. Chapter 15: Cliff Jumping in Croatia
  35. Chapter 14: World's Best Road Trip
  36. Chapter 13: An Italian Heist and a Floating City
  37. Everything Is Sales
  38. Chapter 12: Slight Pivot, Welcome to Switzerland
  39. Chapter 11: A Few Good Stories & The City of Lights
  40. All You Need Is a Good Story
  41. Chapter 10: A Good Week in Southern Spain
  42. Chapter 9.5: Travel Tips for the Folks Back Home
  43. FIRE Festival
  44. Chapter 9: Lehgo Lagos
  45. Remote Work Life Hack
  46. 500 Subscribers, You Are Awesome
  47. Chapter 8: What's Krackin' Krakow?
  48. Chapter 7B: Hell on Earth
  49. Chapter 7A: Hell on Earth
  50. Carpe DM
  51. Chapter 6: Adios Budapest, Hello Krakow
  52. Chapter 5: Some Thoughts After Two Weeks Abroad
  53. Health is Wealth
  54. Chapter 4: Budapest
  55. Chapter 3: Slavic City
  56. Chapter 2: Adios Barca, Hola Prague
  57. Wealth Isn't Zero Sum
  58. Chapter 1: Viva La Barcelona
  59. So You Wanna Trade Stocks
  60. Not Fungible
  61. Pre-Travel Check
  62. Picking the Right Game > Being the Best Player
  63. Where Do I Start?
  64. Slowly, Then All at Once
  65. Frameworks & Opportunities > Goals
  66. Stocks Only Go Up
  67. Just Do It
  68. Homeownership: American Dream or Financial Nightmare?
  69. It's Okay to Spend Money
  70. Bitcoin or Bitcon?