Make finance clear.
Put AI to work.
Ten years in financial content and operations. I write about money, markets, and AI that survives contact with real work.
No stock tips. No anxiety for sale.
Latest Writing
DeepSeek Raised Its Prices. The Real Divide Is Not the Price.
Most people do not need an API. The real gap starts when one person closes the chat after getting an answer, while another keeps testing until the answer becomes a reusable method.
AI May Take Away a Newcomer’s Chance to Learn Before It Takes the Job
AI is not causing economy-wide job displacement, but it is narrowing the entry point for young workers. The routine work being automated was also where judgment used to be learned.
AI Ate My Brain: Why More AI Can Make Us Feel Less Capable
When we delegate work to AI, we may also delegate the mental friction that used to train our judgment. The real question is which parts of thinking we should keep.
Two Editorial Tracks
Make Money Clear
Explain rates, products, and market mechanisms without chasing the emotion of the day.
Put AI to Work
Test new models against real work: what they can do, how to use them, and where they fail.
More Writing
Kimi K3 and GLM-5.2 Are Rising. Should You Switch Your Primary Model?
Chinese models are now globally competitive. Instead of chasing leaderboards, run a three-day test using the tasks that actually matter to you.
I Asked AI Why the Market Fell Today. It Invented the Answer Twice.
Both answers sounded convincing. Neither matched the day in question. The deeper problem was not just hallucination—it was using the wrong tool for time-sensitive facts.
The Most Important Shift at WAIC Was Not Robots, but “AI Colleagues”
AI is moving from chat to execution: taking tasks, using tools, and delivering results. What does that change for ordinary knowledge workers?
I Turned Years of Scattered Notes Back into Digital Assets
Old notes are not useful merely because they still exist. I recovered, repaired, and reorganized mine into a local library I can actually search and reuse.
Why Can a Bond Fund Lose Money?
A bond fund may look conservative and still fall. One seasoned bond is enough to explain how changing interest rates flow through to returns.
Selected Work
Knowledge in context
Second Brain · Finance × AI Knowledge Network
A searchable, reusable system that connects sources, concepts, mechanisms, and personal judgment—instead of becoming another bookmark folder.
One system, many formats
Lian Video Studio · AI Content Pipeline
A repeatable path from a structured episode brief to video, cover, captions, platform copy, and a verifiable release package.
Only projects I can open up completely are listed here. A few others are still being built, or involve personal finances and unpublished experiments, so they stay off this page.
About & Follow
I’m William Zhang
Creator of “Lian Talks Money & AI.”
I have spent ten years in financial content and operations. This site is where I publish explanations, AI experiments, and the systems behind the work.
Employers, titles and exact dates are not published on this site. If your enquiry concerns a role or a collaboration, email hi@williamzh.com or leave a message on the WeChat account — I read them myself.
