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Patrick McKenzie

What Patrick McKenzie thinks about America

@patrick-mckenzie · 33 positions · 2 changes of mind · On ppll ↗

Software engineer and writer, known online as patio11. Ran the small software business Bingo Card Creator and Starfighter, then worked at Stripe; writes about the mechanics of money at Bits about Money and wrote for years at Kalzumeus about careers, negotiation and the business of software.

Patrick McKenzie did not write this page.

We collected these quotes from things they published elsewhere, and every quote links to where it was said. They have no account here and have not endorsed this site. Quotes are word for word; the short line under each one is our own restatement, not their wording. Their own site. Is this you? Claim it or ask us to remove it. Or tell us what is wrong here.

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Only Patrick McKenzie on America. See everyone on America

5 dated positions, 2012 to 2026, in their own words. Our reading of what Patrick McKenzie has said — not written or endorsed by them.

  1. Our readingThe mandatory financial-transaction reporting regime functions as an end-run around the Fourth Amendment.

    Their wordsOne critique is that this regime is functionally an end-run around the Fourth Amendment.

    ↗Notes on a non-profit indicted for bank fraudbitsaboutmoney.com 3rd of 3 in this piece

  2. 4 months earlier

  3. Our readingThe United States is capable of creating large, effective, pro-consumer regulatory regimes, at least in some cases.

    Their wordsMany people think the U.S. can't make large, effective, pro-consumer regulatory regimes. They are straightforwardly wrong... some of the time.

    ↗The gift card accountability sinkbitsaboutmoney.com 1st of 3 in this piece

  4. 12 months earlier

  5. Our readingA US deposit account is a credit product, and cannot be made otherwise without breaking it.

    Their wordsFor one thing, typical deposit accounts in the U.S. are actually credit products. It's baked in and can't be baked out without making them unfit for purpose.

    ↗Debanking (and Debunking?)bitsaboutmoney.com 3rd of 5 in this piece

  7. Our readingAmericans are not, as a routine matter, cut off from the financial system for their politics.

    politics

    Their wordsThis does not happen as a matter of routine in the United States.

    ↗Debanking (and Debunking?)bitsaboutmoney.com 5th of 5 in this piece

  8. 13 years earlier

  9. Our readingSalary negotiation is the most consequential financial decision most people ever make, and they are socialised to go into it unprepared.

    Their wordsClose to 100% is subject to the results of salary negotiations.  Thus, your salary negotiations are probably going to be the most important financial decisions you will ever make.  We socialize middle class Americans to go into them unprepared, demotivated, and fearful of success.

    ↗Salary Negotiation: Make More Money, Be More Valuedkalzumeus.com 1st of 4 in this piece