Counting down to publication day…
Coming November 2026

Creative
Money

New Financial Rules for Artists, Innovators & Misfits

This isn’t a “how to get rich” book — it’s a “how to live well” book. A field guide to building a financial life that actually feels like your own.

AJ Ayers
Writer · Speaker · CFP®

Build wealth with purpose

AJ helps high-earning professionals rethink their relationship with money — so they can replace anxiety with clarity, action, and creation.

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Money should be a creative tool, not a source of shame.

Where do you want to start?

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Learn how money works

Essays that unpack the stories behind spending, saving, and self-worth.

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Book me to speak

Expert money talks that are warm, grounded, and deeply human.

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We handle equity comp, planning, tax, and investments.

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Read the book

Creative Money — new financial rules for artists, innovators, and misfits.

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“I didn’t grow up talking about money.”

Here’s the dirty secret: no one did.

We have thirst-trapped and swiped and dating-diaried our way past most taboos, but talking about money still makes most of us squirm.

The result is that people think they’re bad with money when they’re actually on the same page as everyone else — but no one’s talking about it.

So let’s talk about it →

From the essays
Renting isn't a failure

Buying real estate is not a guaranteed path to wealth. Once you get past the shame you can make the right housing decision.

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Your pet is making you poor

Your animal is part of your family — but did you prepare for its arrival in a financially responsible way?

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Why most money goals fail

If you can’t say exactly what “done” looks like, you don’t have a goal. You just have something you keep meaning to get to.

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At 32 I bought a house

When buying a home, there’s more to the purchase price than meets the eye. Don’t think that bigger is better.

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About the book

This isn’t a “how to get rich” book. It’s a “how to live well” book.

Our financial system is broken. Creative Money is a tool to live creatively and securely within that system without letting it crush your spirit — for people who want to build a financial life aligned with their values.

It’s about rewriting your relationship with money, so you can build a life that feels like your own.

A podcast about money, business, and the weird world of personal finance.

I co-host The Liquidity Event, a weekly podcast where we break down the biggest stories in money, tech, business, and culture — with a healthy dose of irreverence.

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The Liquidity Event
Brooklyn FI team

Financial guidance for people with complex lives and big goals.

I co-founded Brooklyn FI to help high-income earners and individuals with significant portfolios make confident, strategic financial decisions.

Book a call →

The Money Commandments

Thou shall spend less than one makes.

Thou shall prioritize making money and saving it whenever possible.

Thou shall keep at least $10,000 in a high-yield savings account for emergencies.

Thou shall automatically contribute to one’s investment account monthly.

Thou shall only lend money to friends or family at less than 5% of investible net worth and no lower than AFR.

Thou shall only make alternative investments in a sum less than 10% of investible net worth.

Thou shall lead by example and talk about money fears and wins with those closest to them.

MONEY
CHANGES
EVERYTHING

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