Introducing Machine Earnings
My first job as a hedge fund analyst involved combing through thousands of cells in Excel spreadsheets, analyzing the mortgages behind distressed mortgage-backed securities (MBS). It was manual, tedious work—hours of poring over rows of data, hunting for hidden value. Today, AI tools can do these same tasks in minutes, not just faster but better—identifying patterns and opportunities I probably would have missed. And it's not just finance—AI is transforming how work gets done across every industry, reshaping roles we once thought were immune to automation.
That's what led me to start Machine Earnings: a new newsletter and community for people navigating the AI revolution and what it means for their businesses, careers, and industries. Because while everyone's talking about AI's capabilities, few are tackling the complex reality of how organizations and professionals actually integrate these tools into their daily operations.
Why I'm Starting Machine Earnings
There are two main reasons I'm starting Machine Earnings—first, I love helping people build companies and products. It's what makes me feel most fulfilled, and there's something exhilarating about helping people shape the future. Through learning and sharing knowledge, I've been able to build strong networks where professionals support each other's growth. Right now, I'm seeing founders, executives, and professionals all wrestling with similar questions about AI integration, and I believe building a community around these challenges could be incredibly valuable.
There's another, more personal reason I'm excited about this project. I've been fascinated by how AI is fundamentally changing how businesses operate and make decisions. I recently heard about a CEO at a medium-sized company who set up an AI tool that accidentally exposed his emails to his staff. It's the kind of story that illustrates how even at the highest levels, organizations are struggling to establish proper protocols and understanding around AI implementation.
A New Newsletter & AI Community For Professionals
First things first, as a free subscriber you'll get our Weekly Briefing at 8AM Eastern every Friday AM. The Weekly Briefing will have my notes and thoughts on what's going on in the intersection of business & AI. We'll talk about public market stocks, AI regulation & politics, new AI research and product news, business insights for startups and enterprises, and one big story for the week.
For folks looking to connect and share their thoughts with other people in the space, Paid Subscribers will get access to our Subscriber-Only Community. The goal is to bring together passionate professionals, investors, and entrepreneurs eager to learn and build in AI. We'll have news-related discussion threads, useful prompts and tools we're using to boost productivity, and casual conversation.
The paid membership is designed to be accessible—it's $10 a month or $100 a year. We'll have more expensive tiers in the future, focused on specific segments and more exclusive online and in-person communities.
Major Themes
As Scott Belsky writes about in "The Messy Middle," the space between initial excitement and established success is where the real work happens. We're entering that phase with AI—where organizations grapple with everything from budget allocation to organizational structure. While AI is going to have a wide impact on society and business, I plan on honing in on a few specific themes: how enterprises are adapting, how startups are disrupting, and how professionals are integrating AI tools.
For Professionals
For individual professionals, the world is dividing into two camps: those who use AI and those who don't.
AI isn't just a tool for automation—it's a career accelerator. It's helping people build skills, streamline workflows, and unlock new possibilities. Here are just a few ways professionals are using it today:
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Creating Custom Tools: Even those without coding experience are building AI-powered solutions for their businesses with new products like Cursor, Bolt.new, Lovable.dev, & Windsurf.
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Streamlining Mundane Tasks: Small business owners are putting AI Agents to work, automating customer service, billing, and scheduling to focus on what actually matters to their business.
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Learning Faster: AI tools make it easier to master complex topics and build entirely new skill sets. Personally in the past 18 months, I've been able to go from self-learning programming to building tools like AI Agents that help research and summarize transaction fraud for financial organizations.
If you're serious about your career, integrating AI into your daily workflow isn't optional—it's essential.
For Enterprises
Internally at big organizations, folks are wising up to the fact that there are going to be huge shifts in the way humans work and interact with each other and AI systems.
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Everyone's trying to figure out how to integrate AI Agents, from sales teams to compliance staff. But how do AI Agents get represented inside a business? How do you create permissions so that AI Agents can only access the info that they need?
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Right now most AI enterprise products seem to be focused on "human-in-the-loop," helping humans but keeping them informed and running decisions past them, as most businesses aren't ready to fully hand over the reigns to AI. But, eventually, these systems will move to being fully automated—when that happens, what's going to happen internally to the workforce?
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AI pioneers like Nvidia's Jensen Huang have spoken about a future where AI employees get deeply integrated into a company. How will that change other functions, like HR, and collaboration and communication tools like Notion and Slack? And how does it play out—will AI employees replace humans, or will humans have a bunch of AI employees that they manage?
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Traditional concepts like management, hierarchy, recruiting and staffing, and more get thrown out the window in a world with AI employees. How do we motivate and manage the humans at a company? Do we need to motivate and manage AI employees to the same degree?
For Startups
Early stage AI companies and founders all have a similar problem: finding customers. Go-to-market and finding distribution channels is by far the biggest problem I've seen.
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Traditional GTM Is Breaking: The sales process for AI products to enterprises is fundamentally different than traditional SaaS. In SaaS, you're competing with other software companies for pre-allocated budget. With AI, you're often competing with human capital—will this tool replace X employees or make them Y% more efficient?
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No Dedicated Budgets: Most times there isn't a software equivalent to what you're selling, so there's no dedicated budget line item. You're either tapping into innovation budgets or asking companies to reallocate human capital spending—a much harder conversation.
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Complex Sales Cycles: Beyond the usual enterprise sales challenges, you're dealing with organizational and regulatory headwinds. Companies need to figure out data access, compliance, and how AI tools fit into existing workflows.
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New Distribution Models Needed: For founders, 0-1 sales is critical to get started. But with today's high bar for Series A funding, you need to show scalable marketing strategies and channels. The traditional SaaS playbook isn't cutting it anymore.
It's a meaty, challenging, marketing and distribution problem—the type I love to focus on. I've spent most of my career either building products or building distribution strategies and channels. There are really innovative ways successful companies are solving GTM that should be highlighted for others, so that they can apply it at their companies.
What's Next
The AI revolution isn't coming—it's already here. It's changing how we work, think, and connect. My goal with Machine Earnings is to help you stay ahead of the curve, not just by understanding the tools but by diving into the stories, strategies, and big ideas shaping this moment.
That includes:
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AI theory, research, and what they mean for businesses
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New products & how businesses are using these new tools creatively
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AI startup success stories and their strategies
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How AI is changing legacy systems and the ROI on AI products
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Different vertical applications like healthcare, legal, and financial services
If that sounds like your kind of thing, subscribe and join me on this journey. Our first issue comes out on Tuesday, January 21st.
If you want to sign up for the community, fill out the form here! We're approving people in waves, but I'll be in touch ASAP.
Let's explore the future together.
— Ian Kar
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