In "Money Changes Everything," William N. Goetzmann masterfully explores the profound impact that finance has had on the development of civilizations throughout history. With the insight only a leading financial historian could provide, Goetzmann presents finance not as the villain in the story of economic turbulence, but as the hero, a cornerstone of progress and innovation. Through this compelling narrative, he illustrates how the advent of financial instruments and institutions—ranging from ancient coins to the complex derivatives of today—has been a pivotal force in shaping human history. From the role of finance in the birth of writing in Mesopotamia, to its influence on the expansion of empires and the discovery of new worlds, Goetzmann's analysis is both vast in scope and rich in detail, offering a fresh perspective on the mechanisms that have driven civilization's growth. Beyond a mere historical account, "Money Changes Everything" delves into the essence of finance as a technology of time travel, a tool that allows value to be mobilized across generations, fostering not only the physical expansions of cities and cultures but also the intellectual advancements that have propelled human thought and innovation forward. Goetzmann challenges readers to reconsider the impact of finance on their own lives and the future, addressing the critical challenges ahead, such as leveraging financial ingenuity to support an aging population. This book is not just a history; it is a reflection on humanity's capacity to innovate and adapt, proving that finance, often seen through a lens of skepticism, is in fact one of our most powerful tools for shaping a prosperous future.