How I Started Using Money Again

Steve McAlphabet
7 min readJun 12, 2021

“We’re trying to democratise financial services, to ensure that management and movement of money is a right for all citizens, not the privilege of the affluent.”

– Dan Schulman, President and CEO, PayPal

In 2011, I challenged myself to live for a year without using money. I did pretty well considering the daunting challenge of living in a society based on money while not trying to use it, but it wasn’t a perfectly executed endeavor. Nevertheless, it did give me some time to think about how I’d used money in the past, and how I felt it should be used in the future.

When I finally started using money again, I opened five different bank accounts. I have an Artistry account, a Business account, a Citizenry account, a Community account, and a savings account.

As an Artist, I have multiple streams of income, and they are all deposited into my Artistry account. Currently, when I receive a payment, I manually transfer 10% into my Business account, my Community account, and my savings account. I also transfer 40% into my Citizenry account.

My Business account is set up with automatic payments for my cell phone, data storage and cloud services, website fees, and other regularly scheduled costs that pertain to my doing business. I also use this account to pay for anything that will help me grow my business, including educational experiences, equipment, and, of course, marketing.

I’ve heard that a person’s housing costs should be no more than 30% of their income, so 30% of my income goes toward paying my rent. Theoretically, the other 10% of the 40% of my income I put toward Citizenry will go toward supporting the governments whose services I enjoy. However, realistically, I haven’t actually made all that much money since I started using it again, so so far it’s been sufficient for me to know that at least a portion of my rent is going toward property taxes. I do imagine that one day this entire 30 or 40% could be used to make sure I have housing that meets my needs, and a government that helps meet everyone’s needs, but it could be that just 10% is sufficient for a better functioning government.

With my Community account, I have been able to support various charitable and environmental organizations and GoFundMe campaigns, help two friends pay rent when they were unemployed, help another friend fix her broken van, and basically help people when they needed it. As I become more successful as an…



Steve McAlphabet

I recently produced a documentary about my 73 day motorcycle tour to celebrate the legacy of Will Rogers and perform my show “Get The Bunk Out”.