Patrick McKenzie writes the [Bits about Money](https://www.bitsaboutmoney.com) newsletter. You can follow him on X (né Twitter) @patio11. (I do not write on Substack, but am a fan.)
Patrick McKenzie writes the [Bits about Money](https://www.bitsaboutmoney.com) newsletter. You can follow him on X (né Twitter) @patio11. (I do not write on Substack, but am a fan.)