An Alloconomy publication

Abundance,
Allocated.

This newsletter, together with published books and related material, is the crucible where Alloconomy’s ideas are formed. Ideas that prove foundational enough are later developed into learning experiences connected to the Reward Chart app.

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Main essays and series introductions. Explore Advertising for the complete guide to the advertising dollar.

Year-30 modeled cash after tax: whole life $52,769 versus term plus equities $80,234; at a 37% tax rate, whole life $48,783 versus term plus bonds $45,911. Not guaranteed.

Alloconomy 2 Oct 2026

Investing and Insurance: When to Mix and When Not To

Buy term and invest the difference is a powerful rule. A numerical investigation of whole life shows exactly when the exceptions matter—and when they do not.

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Alloconomy 2 Oct 2026

How Big Is an Airline’s Loyalty Business?

Compare a major airline's revenue with its bank partnership receipts, then follow the private currency that turns card spending into airline cash.

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Global AI investment: estimated $1.8T for 2022–2026. Illustrative 2027–2031 recovery needs $1.44T revenue a year if 25% remains after costs. Not reported revenue or a forecast.

Alloconomy 26 Sep 2026

AI Financing: The Cheat Sheet

Twenty financing concepts in the series’ order. Named examples make the relationships concrete; direct explanations connect them to the AI deals.

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Alloconomy 20 Sep 2026

Money Cheat Sheets for Humans Working with AI

Starting with money, I’m trying personalized cheat-sheet formats to help people understand, remember and reason—so they can work more effectively with their AI agents.

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Alloconomy 11 Sep 2026

One Mac mini, Five Sets of Books

One $1,299 Mac mini order creates five different accounting stories. Follow the journal entries, assets, liabilities and revenue clocks of the seller, lender, payment participants and carrier.

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Four illustrative $100 budgets: direct publisher $80; open-web seller $56.16; Meta $80; YouTube creator $44 plus platform $36. Each includes $20 external work. Receipts before costs.

Alloconomy 6 Sep 2026

Advertising Alloconomy, Part 1: Who Gets the Advertising Dollar?

Alloconomy brings allocations and economy together. Follow the advertising dollar, examine who earns it, and ask what value each allocation creates. Read this introduction first; it stands on its own.

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16-part series · Browse Advertising

A period-zero result becomes a period-one result through volume, mix, and rate, while timing and attribution remain in a separate measurement lane.

Alloconomy 3 Sep 2026

The Anatomy of Change: Rate, Volume, and Mix Without the Hand-Waving

A rigorous, intuitive guide to diagnosing period-over-period movement: how many, which ones, what per unit, what belongs to timing or attribution—and when an exact bridge is not valid.

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A six-level pyramid maps thirteen AI role families from model improvement and grounding through agency, assurance, adoption, and accountable outcomes.

Alloconomy 3 Sep 2026

The AI Labor Stack: 13 Role Families Between a Model and an Outcome

The new AI job titles are not random. Each one claims a bottleneck between raw model capability and safe, measurable, real-world value—and stronger models will change them in very different ways.

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A layered stack of chips, data centers, power, transmission, cooling, mines, factories, capital, and institutions beneath a near-zero-cost AI answer.

Alloconomy 25 Aug 2026

Book Preview - From Tokens to Atoms

Book preview for From Tokens to Atoms: the token may be cheap, but the physical stack beneath it is not. What must change for digital abundance to become human abundance?

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