iiinova — where your digital self keeps evolving

AJ Ayers @ajayers.bsky.social · 20/03/2026

How empty is too empty when it comes to savings before a move? Questions like these are more about safety than anything else.

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AJ Ayers @ajayers.bsky.social · 13/03/2026

Understanding how, when, and where step-up and basis works matters because sometimes people try to be smart, and sometimes outsmart themselves.

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AJ Ayers @ajayers.bsky.social · 20/02/2026

If you have freelance or business income in the rough range of $20,000 to $150,000 net, the SEP IRA is usually the right answer. Above that, other options like a solo 401(k) can make sense. Below that, it still works, but cash flow might be the bigger constraint.

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AJ Ayers @ajayers.bsky.social · 14/02/2026

If you're waiting to buy the dip, you don't have an investment strategy.

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AJ Ayers @ajayers.bsky.social · 06/02/2026

The IRS doesn’t care if you need more time. They want their money on time.

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AJ Ayers @ajayers.bsky.social · 05/02/2026

I'm writing a book! It's called "Creative Money: New Financial Rules for Artists, Innovators, and Misfits," and it's coming out this November. This week's update comes to you from a conference in Puerto Rico. I'm in the final stretch of finishing the manuscript, still trying to cut some words.

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AJ Ayers @ajayers.bsky.social · 16/01/2026

A real money goal has to answer these 3 questions: What exactly are you trying to change, by how much, and by when?

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AJ Ayers @ajayers.bsky.social · 15/01/2026

I'm publishing a book! It's called "Creative Money: New Financial Rules for Artists, Innovators, and Misfits" and it's coming out in November of this year. I haven't done a book update in a while, so I wanted to drop in here today and share the latest. We're fast approaching the finish line!

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AJ Ayers @ajayers.bsky.social · 05/01/2026

I wrote in airport lounges, by pretty European lakes, but mostly in my home office in Brooklyn, staring past my giant monitor at my husband’s Peloton bike. Here's a few snapshots from some places I wrote, plus one interesting ChatGPT version of my year.

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AJ Ayers @ajayers.bsky.social · 11/12/2025

Just because someone on the internet says it's true (including me), it doesn't mean that it applies to you. Starting a little series called, "Can I Afford to Move?" where I take real people's questions and break them down based on their situation.

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AJ Ayers @ajayers.bsky.social · 20/11/2025

I'm FREE from book jail!!! I'm writing a book called "Creative Money: New Financial Rules for Artists, Innovators, and Misfits, and every week I share my progress. This week's update is that I turned in the manuscript and will be taking the next 5 weeks off from book updates.

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AJ Ayers @ajayers.bsky.social · 06/11/2025

I’m writing a book! It’s called Creative Money: New Financial Rules for Artists, Innovators, and Misfits, and every week I share my progress. This week's update finds me stripping away a lot of autobiographical stuff.

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AJ Ayers @ajayers.bsky.social · 02/10/2025

I’m writing a book! It’s called Creative Money, and every week I share my progress. Week 23 finds me cutting nearly 15,000 words, including a full chapter on credit cards and airline rewards. It was fun to write, but it didn’t belong in a book about changing your relationship with money.

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AJ Ayers @ajayers.bsky.social · 31/08/2025

Read the full article on my Substack, Money Changes Everything: moneychangeseverything.substack.com/p/rent-vs-buy

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AJ Ayers @ajayers.bsky.social · 28/08/2025

I’m writing a book! It’s called Creative Money. Every week I share my progress. Today’s Week 18 update is a study in Parkinson's Law, which says that your tasks will take as long as the time you have to do them. I'm writing up a storm and wondering what the hell I was doing for the past five months

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AJ Ayers @ajayers.bsky.social · 24/08/2025

Read the full article on my Substack: Money Changes Everything: moneychangeseverything.substack.com/p/how-much-c...

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AJ Ayers @ajayers.bsky.social · 14/08/2025

I’m writing a book! It’s called Creative Money. Today’s Week 16 update comes with a new enemy: my own Google Doc. My draft is so big that it keeps crashing. I’ve started splitting them into separate docs to keep things moving, but I’m closing in on my first draft!

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AJ Ayers @ajayers.bsky.social · 17/07/2025

I'm writing a book! It's called Creative Money. Every week, I'll share my progress. Today's "Week 12" update finds me freaking out that I have exactly 4 months until my book is due. After working a full day, posting on social media all day, running errands, & trying to write a book, I'm exhausted.

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AJ Ayers @ajayers.bsky.social · 10/07/2025

I'm writing a book! It's called Creative Money. Every week I'll share my progress. Today's update comes to you from Brooklyn & I'm shocked to share that I'm more than halfway. Yes, that's right, the lifelong procrastinator in me is actually on track with a long-term project.

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AJ Ayers @ajayers.bsky.social · 03/07/2025

I'm writing a book! It's called Creative Money. Every week, I'll share my progress. Today's "Week 10" update comes to you from a pier in Dumbo & I made a big change by replacing one chapter and writing an entirely new one. Looking forward to sharing more on this one!

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AJ Ayers @ajayers.bsky.social · 26/06/2025

I'm writing a book! It's called Creative Money. Every week I'll share my progress. Today's "Week 9" news is coming from Paris. Even though I've been writing, I didn't have a signed contract. Well, I'm happy to say the contract is signed, I'm writing a book for Penguin Randomhouse coming Fall 2026!

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AJ Ayers @ajayers.bsky.social · 19/06/2025

I’m writing a book! It's called Creative Money. Every week, I’ll share my progress. Today’s “Week 8” news for you is that I actually accomplished 90% of what I set out to do this weekend! I had to lock myself in a hotel room on the shores of Lake Garda to do it. The view was spectacular.

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