Here I review Layered Money by Nik Bhatia, a book that released in 2021. I had the wrong expectations about this book going in, so I try to clarify that this book is mainly a history of money and central banking, which highlights how money has gotten more complicated over time. Though it is not primarily a bitcoin book, at the end it emphasizes how bitcoin can simplify and improve our monetary system by being a new, incorruptible Layer 1 that does not require centralization the way gold did.