How cheap money and algorithms shaped the last decade and the opposite will shape the next

This is a powerful read for people trying to mentally tie a bow on the 2010s. Ranjan wraps it up saying that the cheap money thanks to near zero interest rate policies we’ve had since the GFC, and social media algorithms, are what shaped the last ten years of our lives.

“I’m incredibly excited about the coming decade because I am genuinely hopeful the two core trends I outlined will be reversed.

Algorithmically-optimized lying has prominently entered the conversation to the point our ex-President was kicked off. There’s simply no way money can remain this cheap for a prolonged period of time. What that unwind looks like is an entirely separate post, but there will once again be discipline imposed on the allocation of capital. Financial and technological regulation is far more imaginable than just a few years ago. Change is coming.”

The Margins, on Substack

I’m speaking at the Wedding Business CEO Summit

Registration is officially open for the Wedding Business CEO Summit!

This summit is hosted by, and created by my friend Heidi, to help wedding business owners go from overwhelmed & overworked to streamlined & more profitable than ever.

I’m speaking along with 24 other incredible speakers with topics ranging from finances, pricing, integration, going full-time and everything in between. I’m talking about creating a meaningful and fun customer journey!

The summit kicks off on Australia Day and it’s going to be 5 action-packed days that you won’t want to miss!

Click through my short link to learn more and get your free ticket!

Simon Owens on 'the Substack problem'

“2021 will be the year that publishers start to form strategies to deal with the Substack Problem. By that, I mean they’ll need to find ways to discourage their star writers from leaving to launch their own Substack newsletters. In the most likely scenario, they’ll make deals with writers to launch the newsletter under the banner of the media company. They might structure the deal so the writer gets to keep their current salary and then some percentage of the subscriber income they generate – similar to the advances and royalties that book publishers dole out. This will be enticing to the writers because they get to maintain job security while also benefiting directly from their success. They can also grow their audience much more quickly with the help of the media company. It’s a win win for both parties.”

Simon Owens, on his Substack, which I highly recommend subscribing to

Finally mapped out my talk for next month’s wedding business summit, now I just need to find a quiet place to film it

I’m forecasting that within 12 months the remaining non-greys will be turned to the grey-side as we embark upon what will be our busiest and most taxing year ever. 2021 sees Britt and I with a newborn, a toddler, new 2021 weddings and elopements, and also most of 2020’s couples.

My friend Geoff at Motion Art Cinema said we should take before and after photos to see how 2021 ages us.

Bring it on 2021!

Bullish on Airbnb in a post-Covid world

Airbnb’s strength today and in a post-covid travel world is in it’s flexibility to offering a different kind of travel.

“Airbnb’s “gross daily rate” was pretty flat at the end of last year, hovering around $110. This, too, declined in April. But by June, it had increased to $146, and has since settled to a rate around 20% higher than last year — $128 in September.”

Airbnb in 2020 would be one of the least affected-by-Covid companies on the planet.

“One of my favorite taglines in recent memory was Airbnb’s “Live There,” a campaign it launched in 2017 with the agency TBWA. It’s as cheesy as any earnest brand campaign. But it feels true. A real representation of the Airbnb spirit, something its frequent customers can appreciate. Airbnb-ing isn’t remotely the same as staying in a lame chain hotel in a tourist quarter.”

And he shares an interesting story about why Airbnb probably isn’t the best and biggest travel content creator today:

“In late 2012, Airbnb launched a product called “Neighborhoods”,” he wrote, “which offered users incredibly rich and unique content about individual neighborhoods around the world. Visitors loved it. Almost too much. It turned out the content was so interesting that it distracted visitors from actually booking. When the team removed it from the home page, bookings went up.”

From Dan Frommer’s New Consumer newsletter

Someone asked me recently what my personal brand strategy was.

I just see go to places, see cool things, make photos of them, and post the photos online where they get 2-3 likes.

I’m not very good at being strategically cool.

If you see me dancing in an Instagram Reel or on TikTok, know that this is a call for help because I will have been taken hostage and I need to be rescued. Please screenshot this and put it on your fridge as a reminder.

Gary Vaynerchuck’s take on the Apple of today and why he thinks they’re leaving money on the table and should buy Target (the US one) - Listen to the whole podcast.

There are two things in this world that take no skill, spending other people‘s money, and dismissing an idea.

Netflix staffer: so, it’s like Netflix, but you don’t get to choose what you watch, it just shows up automatically.

Netflix execs: wow

Rest of humanity: are you just describing TV?

“Social media encourages the myth that who we are is defined by the opinions we type. But the older I get, the less interested I am in how well people can script their beliefs in front of a computer and the more interested I am in how tenaciously they go about grinding out their moral existence. I’m impressed when someone can get up every single day, determined to be a better human being than he or she was yesterday. Typing out what we “stand for” is easy. But loving well isn’t. I am not down on typing out our opinions—clearly. I’m only down on thinking that typing in and of itself constitutes an ethical life. May we stop thinking that becoming the kind of person we want to be is as easy as typing “me too” at those we agree with and “stupid people” at those we don’t. That’s a distraction from the real work of being human. And I’m ready to work.”

From Love Matters More by Jared Byas

”A crisis doesn’t have to be a negative event. A wedding is a crisis–one ceremony, one day, over and done. All eyes, all attention, all on this moment. That’s why we do it–even though the chronic condition of the marriage itself is always more important.”

Seth Godin, on a useful crisis