Jump to ratings and reviews
Rate this book

Undermoney

Rate this book
From a seasoned insider of global finance comes a “stimulating, relevant, and dramatic” ( The Wall Street Journal ) thriller about a group of American operatives who secretly take over the world’s largest dark money fund— “ a gripping thriller that takes you into the world of New York hedge funds, Russian money launderers, and DC power politics [that] makes you feel like you’re actually there” (Bill Browder, author of Red Notice ).

When a US airdrop of billions of dollars disap­pears in the desert sands of Syria, only a small group of military operatives knows its ultimate destination or why it has been stolen. Their goal is no less than the restoration of America’s geopolitical dominance on the global stage. Essential to this scheme are Greta Webb, a sophisticated CIA operative who is an expert on dark money, not to mention lethally skilled in hand-to-hand combat, and Elias Vicker, the damaged, dangerous soul who runs the world’s largest hedge fund.

To achieve its goals, the group must form dangerous alliances. One is with the hidden family that manages the largest private pool of capital that has ever existed. Another is with Fyodor Volk, the ruthless founder of Russia’s most successful private military company, a mercenary with ties to Vladimir Putin. Volk has his eye on Greta. She would be wise to avoid him but cannot.

Arcing from Manhattan’s finest apartments to Washington, DC, from Middle Eastern war zones to private European bank vaults, Jay Newman’s Undermoney follows the Americans as they are enmeshed in the world of dark money and confront ever-increasing danger. Ultimately, they must decide whether their objectives are worth the cost of sacrificing not just a few but potentially many human lives. “Unexpectedly timely” ( The New Yorker ), Undermoney is a “ wildly entertaining peek behind the curtain of American politics, financial skullduggery, and high-stakes global conflict” (Nelson DeMille).

496 pages, Hardcover

First published January 25, 2022

Loading interface...
Loading interface...

About the author

Jay Newman

1 book52 followers
Jay spent 40 years in international finance, with a primary focus on managing investments in sovereign debt, including the distressed sovereign debt of Latin American, Eastern European, African, and Asian countries.

He is viewed as “the mastermind” behind an historic 15-year fight to recover billions of dollars in defaulted debt from the government of Argentina. That campaign, which included the court-approved seizure of an Argentinian Navy ship in Ghana with 200 people aboard in 2012, reached a successful conclusion in 2016.

Ratings & Reviews

What do you think?
Rate this book

Friends & Following

Create a free account to discover what your friends think of this book!

Community Reviews

5 stars
167 (24%)
4 stars
213 (31%)
3 stars
199 (29%)
2 stars
69 (10%)
1 star
38 (5%)
Displaying 1 - 30 of 150 reviews
Profile Image for Ed.
659 reviews59 followers
February 16, 2022
This exceptional thriller will challenge your thinking about the relationship between our financial markets, dark money, greed, morality and terrorism. Shorting targeted stocks prior to natural disasters result in huge monetary windfalls. What happens then when the natural disasters are not natural but planned and executed in advance by greedy players gaming the system with deadly results? A small, dynamic group of SpecOps troops "liberate" a US airdrop of 2.4 billion dollars in an Afghanistan desert designated as a payoff to local warlords. Their motive is to hide the money for years until they can finance a presidential run for their own Lt. Ben Corn who will hamstring the military industrial complex and save American lives.

What follows is a complex story about their subsequent relationships with the worlds largest hedge fund manager, his hidden dark money client and the Russian security company chief with secret objectives of his own. Tough to review this book without recapping it's intricately complex plot but suffice it say, it's incredibly entertaining. Sporting eye opening plot lines, perfectly constructed prose, fascinating characters and frantic pace, it's a smart, original thriller that will take you through worlds you never knew existed.
132 reviews3 followers
September 16, 2021
Totally Terrifying Political Thriller
So very current. All the bad guys are there, China, Russia, Saudi Arabia.
The corruption in our government, and all the alphabet services, the inefficient and easily corruptible election process. The easily manipulated investment industry, the foreign banking industry and of course the private security services and private armies for hire.
This is a very readable book and I always love authors that fictionalize current events.
A great read, great character development, you can visualize each character and are emotionally invested in their decisions and deaths.
You would think that this is a more male oriented read, but it is not. The female characters are super strong and of course sexy, but in a good way.

I now feel more like a pawn in the big picture. All current events and rallies and protests are a lot more suspect. Although we all knew they were orchestrated by outside interests and countries.
I strongly recommend this book and will be sending out that recommendation to several book clubs , friends, family and neighbors.
Profile Image for Tay.
224 reviews32 followers
February 8, 2022
DNF @ 71% way too long. The pacing really needs work. Mr. Newman needs a new editor to chop things down. The idea was there but it was poorly executed.
101 reviews
December 26, 2021
I was intrigued by the characters. The story was hard to get into due to all the informational detail. Some of which I don't think was necessary to the story. The story itself did build, but I was let down at the end. I didn't feel like there was any resolutions.
Profile Image for Jeanette.
3,586 reviews698 followers
Read
February 23, 2022
No rating. it's concepts are very real. Yet the execution of this fiction telling is too complex and with too varied of pacing/ jumping intersections - for me to follow. I've stopped at 57% and I still don't "get" at least 50% of what I've read already.

Excessive reality in both corruption and blood money/ hidden payoffs for me too right now. Depressing corrupt and parasitic governments in the news of everyday currently is enough worst news.
1,122 reviews37 followers
June 11, 2021
A good story that could be made better with som editing to remove some of the bulk. The story bogs down in several places, and it becomes a struggle to push though and finish. I received an advanced digital copy of this book from NetGalley and the publisher and voluntarily provided an honest review.
Profile Image for Aidan Slov.
9 reviews
March 7, 2022
I did not, in fact, finish this book. I would not do that to myself. Newman is living vicariously through his characters to the point that he surpasses Dan Brown. The key difference between the two is that Dan Brown is actually a semi-competent writer if the reader is in middle school.
Profile Image for Diane Hernandez.
2,295 reviews37 followers
January 19, 2022
Undermoney is a spy thriller. It is a political thriller. It has a bit of Lifestyles of the Rich and Famous thrown in. The book also contains a bunch of facts about the global monetary system and how easy it is to manipulate it.

So why didn’t I like it? The knowledge dumps were immense making the book overlong. In addition, the pacing was way too slow at the beginning for a thriller. Yawn. I also disliked all the characters. Can just one not have evil intentions and/or dirty little secrets?

Overall, Undermoney was a miss for me. 2 stars.

Thanks to Scribner and NetGalley for a copy in exchange for my honest review.
Profile Image for Elizabeth.
711 reviews29.2k followers
Read
May 27, 2022
I really enjoyed this. Lots of deep thinking about larger global systems and how they interconnect. Financial markets, geopolitics, war, US politics, etc. Very fun to see Newman's high-level interpretation.
Profile Image for Sarita.
6 reviews6 followers
December 30, 2021
I received this book from a Goodreads giveaway. This review has no specific details that might spoil the book, but it does have a vague comment about the ending.

This book does a good job of explaining the dirty world of money and politics. It's actually quite scary to know what really goes on. Even if some of it is made-up, it is probably pretty close to the truth. You don't have to be a conspiracy theorist to understand that there are some nasty, powerful people all over this world who are willing to do anything to stay wealthy and powerful.

There are a lot of characters in the story and it was hard for me to follow at times. I remained engaged more at the end because that's where it felt like the story was really moving along. I was not happy with the ending, but I think it's because it was more realistic than what Hollywood has ingrained in us. I recommend this book if you're into thrillers, but you have to be patient and not expect a bunch of crazy action all the time. This is the author's first book and I'm pretty impressed. I'm glad I read his acknowledgements at the end because he thanks the team it took to bring this book to light. I'm sure there are a lot of talented people out there who would also be able to write a successful book if they had those networks. I'm curious to know if the author plans on writing another novel to continue this story, but maybe it's best to leave it up to reader interpretation, who knows..
Profile Image for Elizabeth.
174 reviews8 followers
July 10, 2021
I really wanted to like this book, and there were some really good parts. But, I had trouble getting into it. Im still not sure if there was a protagonist, and if so, who it was; all of the characters seemed crooked and dirty. The historical stuff was fascinating, though.
Profile Image for Mridupawan  Podder.
277 reviews11 followers
February 9, 2022
I'd give this a 3.5 and not 4.

That being said, this book has the potential to be an explosive tv show. The story is a beauty, the characters lovable and hatable in equal measures. And dare I say, it sounds all real? This is the real money heist and how the world plays the game in real life.

My biggest gripe is that there is a lot of info dump. From hedge funds to private military companies, everything gets dumped to you. Some necessary, some unnecessary and some you wish you could skim but don't want to miss out anything important.

Undermoney is a story of soldiers who has a plan to set the country right, the ones who got tired of needless wars and deaths. And yet, war is what finds them when they stop being soldiers.
218 reviews
September 8, 2021
I like this book and it was great. I would recommend it to those who like action and fiction.
Profile Image for Bookreporter.com Mystery & Thriller.
2,110 reviews42.4k followers
January 30, 2022
UNDERMONEY, a dystopian political thriller, isn’t always an easy read, but ultimately it’s compelling. It asks --- and only obliquely answers --- the question of whether or not idealistic ends always justify the dark means.

Under the direction and protection of Army General Tommy Taylor, a group of military operatives steals more than $2 billion, intended for bribes in Syria, to help advance the career of Nebraska's junior senator, Ben Corn, himself an Army vet who is destined to become the next President of the United States. This group is committed to bringing the U.S. back onto the global stage and reversing what it sees as years of short-term thinking about everything from allies to infrastructure. Included in this select enclave are, besides Taylor and Corn, the impossibly beautiful and talented CIA agent Greta Webb and her onetime lover, Don Carter, a former member of Delta Force who is now running his own security company.

They orchestrate the heist in the presence of Fyodor Volk, head of the Parsifal Group --- a Blackwater-like paramilitary organization that is a favorite of Vladimir Putin (here referred to as VVP). Parsifal had contracted to provide backup security for the operation, and when Volk figures out what is being stolen, and why, he initiates a relationship with Webb. Ultimately, he helps Webb figure out how to launder the $2 billion --- but, of course, he wants his cut. When the group settles on using a hedge fund, Industrial Strategies, and its founder, Elias Vicker, it’s no surprise that Volk and his middleman, Lorenzo Gonzaga, get involved. They manipulate events around the world that result in huge gains for the fund, and for a time all parties seem content with the sometimes horrifying consequences.

As author Jay Newman analyzes American policy failures in relation to Russia and China, he toys tantalizingly and sometimes frustratingly with the idea that an alliance with the former may be necessary to combat the latter. He has startling insights into how finance and politics intertwine that will force the lay reader to rethink his or her worldview, even as it bogs down the narrative. Meanwhile, high-end brand names --- from Armani to Heckler & Koch arms and Oberwerk binoculars --- and exotic locales (St. Barts, Cannes) are continually touted, as though Newman wants to both titillate and disparage the greed of it all. And speaking of which, the sex scenes are over-the-top, ­­bizarre and geared to, one assumes, indiscriminate male readers.

The takeaway from this everything-plus-the-kitchen-sink, but still important, novel is that even a seemingly pure and honest candidate doesn’t want to risk losing for lack of money. The good that will come from victory justifies the source of the money, but alas, it’s still undermoney.

Reviewed by Lorraine W. Shanley
Profile Image for Pamela Peerce-Landers.
22 reviews2 followers
December 1, 2021
“Undermoney” is a dark read. It is not a fun read. But, it is a compelling read. I didn’t like any of the characters, but I still wanted to know their stories. Why they did what they did.

It takes a lot of money to be elected to public office, especially to President of the United States. While it is nice to think that someone could be elected President with just small contributions from everyday citizens, author Jay Newman makes it clear that even a seemingly pure and honest candidate doesn’t want to risk losing for lack of money. The good that will come from victory justifies the source of the money: Undermoney.

Senator Ben Corn is the perfect candidate: a handsome football star, veteran, Rhodes scholar from Nebraska. A senior senior has taken an interest in him and thinks Ben owes him, but Ben doesn’t like owing him.

Some of Ben’s less monied supporters find a way to give his campaign a big money boost. Initially, it is simple enough and maybe not unethical. But getting the money to him is complicated. To launder the money, these people, a general, a CIA agent and veterans who served with Ben find they must work with some ruthless criminals. Is it worth it? They think so. Will you?


115 reviews2 followers
July 17, 2023
A frustratingly scary book. The author made everything believable. The story had everyone stealing from everyone else and everyone was stealing from various governments. The pursuit of money was the only thing that united the different aspects of the book. Even the supposed good guys were willing to partner with the supposed bad guys to make billions of dollars. If the world is actually being manipulated by the supper rich who don't care if thousands of common people suffer and die then we are all in trouble.
Profile Image for Rachael Hodson (still skiing).
426 reviews13 followers
May 26, 2023
One of the very few books I haven't had the will to finish reading. It is realy disheartening and disturbing and honestly, some things in life, I am better off not knowing about. Sad that people in politics, the upper echelon of society and top dogs are above the rest of us, above the law and above God tbh. I read a lot of books on finance, oligarchs, politics and society but this is delving into some pretty weird shiz.
1,831 reviews21 followers
Want to read
July 6, 2021
Although a bit too long, this is pretty good. It felt quite real at times. Some readers won't like the non-linear structure. Others will like that that breaks it up a bit. I didn't always stay engaged, but like this overall.

Thanks very much for the ARC for review!!
Profile Image for Thrillers R Us.
354 reviews22 followers
March 13, 2022


Matthew 10:16 states, “Behold, I am sending you out as sheep in the midst of wolves, so be wise as serpents and innocent as doves." As a handful of films have wantonly claimed, Wall Street is a jungle where only the strongest and most predatory survive. More recently, however, and in real life, Robin Hood and Social Media site investors have proven that even the meek and the cunning can carve out a slice of profit, no matter how dwarfed in comparison to the obscene amounts of money generated by the hustlers of south Manhattan's financial district. Ever since the Medici Bank failed in 1494, profits have beckoned, waiting for someone to step into the void to utter 'tieni la mia birra', or in the parlance of the times, 'hold my beer'. Singing of 'Power and the money, money and the power, minute after minute, hour after hour', Coolio reinforces with GANGSTER'S PARADISE that the world of international finance is just that, money never sleeps, and makes the world go round.

Busted right out of CLIFFHANGER, Stallone's ode to staying frosty, UNDERMONEY opens with American currency floating from the sky, just that instead of a few Halliburtons, it's riding pallets towards terra firma. As mesmerizing as Ben Mezrich's RIGGED and Paul Erdman's THE SILVER BEARS and THE BILLION DOLLAR SURE THING, Jay Newman demonstrates (after thirty plus years in the financial industry) with UNDERMONEY that Wall Street and International Finance is a special kind of sleaze, a superb villain, and antithesis of the virtues that America hopes to embody in the eyes of the world. Coming in a close second, however, is the Parsifal Group, a well financed Russkie group modeled after dastardly Blackwater USA and in the business of global disruption to reap profits and power, employing enough rogue muscle to make the Quds force look like a bunch of Boy Scouts. Completing the trifecta are four disaffected former soldiers who go from smoking Black Kush in the 'Stan to working the inside angle, being bone weary of American soldiers dying for the wrong reasons in ill-conceived wars launched without forethought, compelling national interest, or clear definition of victory.

UNDERMONEY is the glue that binds the world order today; it lubes the gears of the global economy and is admittedly a term coined by the author. Not to be taken as chaff, UNDERMONEY is a timely book about Russia, Gazprom, NATO and whether Article 5 would actually be an issue. Honing in on that, the author's got quite the bone to pick with forever wars, self-serving politicians, Wall Street greed, the waste and pretension of NATO, IMF, the World Bank, and Wall Street psychopaths. Unstoppable, UNDERMONEY also deep dives into money laundering, microexpressions, high finance, the global oil and gas industry, and Russian vory. This is to underscore the underlying plot of a lunatic to restore Russia to its rightful place among nations and in turn reinstate its respect as well as its greatness. Sounds like utter fiction, right?

There's a flip side to that coin, and the powers that be are also trying to save America from herself and create a better America that becomes the master, not the victim, of [modern] asymmetric warfare in its many incarnations among all fields of human endeavor. Navigating around sub machine gun toting thugs from Siberian penal colonies to tip the scales, UNDERMONEY exposes the vagaries of international finance, NYSE, investing, and hedge funds. Using concepts and ideas like green rain, stitching, mainstreaming, the Hungarian glide, bearding, disaster creep, the D.C. dipsy-doo, and that nap time is sacrosanct, UNDERMONEY explores the deepest pools of dark money on the planet, fictionalized, of course. Weighty, deep, and informative, UNDERMONEY is leptokurtic--impossible to predict--but highly enjoyable for anyone who does. Can you spot the black swan?
Profile Image for William de_Rham.
Author 0 books60 followers
January 28, 2022
I’m sure many will like this novel. It’s a political/military potboiler, kind of like “The A-Team” meets “Wall Street” meets “Mission: Impossible” meets any Tom Clancy novel you choose to name.

But I found it to be far from the “electrifying thriller” it’s promoted as. IMO, “Undermoney” is a not credible tale involving shallowly drawn characters chasing unrealistic objectives. It’s also not all that well-written.

As to the plot, a group of current and ex-military comrades set out to make one of them the next President of the United States so that America can be reinvented. To do that, they engineer the theft of billions of taxpayer dollars which they then launder by various means, including one of the world’s richest hedge funds.

It’s difficult to be thrilled when you just can’t care about the characters. While author Jay Newman injects lots of testosterone and machismo into his band of crusaders, even the women, that’s about all there is to them. There’s little to differentiate one from another. All are very competent, but none are particularly human. Kind of like comic book superheroes.

Except that none of them are admirable, or even likable. The villains, of course, are thoroughly evil. But the supposed “good guys” aren’t much better. Stealing billions from the US Government to fund a presidential campaign is, at best, morally questionable. As is having your presidential hopeful involved in an extra-marital affair.

And the messages they spout are so trite and simplistic: Washington’s politicians and bureaucrats are incompetent and corrupt. The nation’s treasure and military have been grossly misused. America is on the decline because advancement and “success” are based, not on merit, but on whom you know and whom you can buy. The solution--to capture the White House so that the new President can re-make American society--so vastly overrates presidential power (especially in our constitutional system of checks and balances) that, for me, the novel’s credibility was seriously undermined.

I found so much else about the novel to be “over-the-top.” The money involved is not millions, but always billions and trillions. A villain makes over one of Manhattan’s most famous hotels for an orgiastic “stag” bacchanal for the super-rich and powerful. (Really? All those smart, savvy men are going to compromise themselves in such a public place?) Another character—an Iranian CIA officer--engages in a lesbian affair with the Latvian finance minister which she expands into a ménage à trois with the head of a Russian security firm? (Titillating? Maybe. Believable? Not so much.) All the settings are exotic or historic. All the liquors are rare. Character clothing and accouterments are only the very best. I suppose I can’t fault the author’s research. But, for me, he way-overdid the glamour bit, which also damaged the novel’s credibility.

As far as the writing goes, it’s no more than okay. I did think there was an overuse of cliches and hackneyed vernacular. And there were so many digressions into backstory and explanations, which interrupted the novel’s flow. Again, I can’t fault the author’s research. But did he have to include absolutely every bit of it? No wonder “Undermoney” is almost 500 pages.

All in all, a two-and-a-half star performance rounded up to three.
Profile Image for Emee de Mercurio.
59 reviews33 followers
April 29, 2022
Undermoney was sent to me from Scribner after winning a giveaway for it here on Goodreads and I'm super grateful for the chance to read and review it.

This book will find its audience. Coming from a legal background, I am a nerd for policy and procedure as well as for stories that examine systems and consequences. The scale of this book is tremendous and can be daunting for readers, but this is my jam. It is highly detailed and expansive because the dynamics and ripple effects demand that approach. This for me was beyond the scope of political party and motivation. I really looked at this more as a matter of negotiating ethics through characters. This is based quite a bit on a guess I have about the presidential candidate himself and his motivations. Trying to avoid spoilers. There's room for there to be a follow up book. I hope there is. These characters are so well developed, I can't imagine this is just a standalone.

It hit me early that this was going to be at least a 4-star read and carried that weight all the way through to the ending. So, really I had to ask myself what I didn't like to try and determine if it wasn't a 5-star. I really couldn't come up with anything. So, surprise! It's a 5-star. I know that right now with what's going on in the world that the content in this book (and some of the people themselves) can be hard for readers to get into or find "entertaining". But this is such a good read. If you can't read it now, shelve it and come back. It is worth reading at the right time for you.

This took me longer to read than usual (despite being nearly 500pgs) because there were concepts and information included that interested me enough to do outside research. There were books cited by the characters in the story that they themselves used to craft their own approach to things and I have since added them to my own TBR because I'm curious. Freeports. I've got a couple books I've been meaning to read about notorious art thefts. I think I'm gonna push those up sooner after diving down the rabbit hole of freeports and free economic zones.

In a lot of ways, political or legal thrillers can reference major issues and conflicts, but can be quite superficial in how they do it. That to me ruins the experience especially if it's about something I've never heard of or have very limited knowledge of. What I appreciate in this book is when certain concepts are discussed (e.g. Syria and how it can impact countries far removed via the world economy and utilities.), the author gives the reader enough meat to understand the foundation and relevancy of why it's being discussed. It isn't just a passing detail or attempt to connect "real world" events to the story we're reading. Again, it's the time taken to explain these relationships with why other places should care about things that happen on the other side of the world. Showcasing the domino effect of these financial decisions puts into perspective how closely linked national security, the economy, and technology are. And by economy, it isn't just the economy of one country. I would say "the economy" is really that of the world. If it goes off the rails in one country, it's not isolated to within those borders any more. If a market or industry is attacked via tech by either terrorists or another state, there's a chain reaction. Isolationism doesn't really exist any longer because of the digital world.

I was impressed to see that so much ink was given to the psychological makeup of the characters and their background. Discussions about interrogation and personality conflicts and communication styles were as richly described as the "“infinite and terrifying wellsprings of insecurity and ego compensation" endemic to certain personalities of the modern titans of industry. The book didn't pull any punches about trauma. There were definitely scenes that were painful to read and were upsetting, but those are the things that happen when these types of characters are involved. This wasn't a story where you could really root for anybody. I have a heart for Greta though, for many reasons. Fyodor's trajectory was very well written when it came to the complexity of grief.

A quote from Fyodor about Putin (who features rather prominently, both in person and as an unseen force, in this): “what kind of disordered personality … feeds on disrupting lives, commerce and industry like this, subduing people who offered no threat and whose presence wouldn’t have inconvenienced him at all? Just because he could?”

Vicker could have been a one dimensional tool to further the plot, but he wasn't. There were layers to him with a deep dive on his psyche. The quirks, the disassociation, the motivators, how his identity was constructed. The discussions about the oversimplification of the truth and intellectual slothfulness of the public added yet another layer of nuance to the conversation. This was tied in very well with data mining and how technology has absolutely infected every facet of our social lives to quantify, assess, and appraise us outside of our own participation on social media. The conversations about ethics and strategy and motivation between characters makes all of this dense (I prefer to say rich) material relevant to the story. There are points being made here.

Some of the artists and artwork described as well as the various locations I became curious about and started Googling. I love cars, weaponry, and architecture and ate up every detail. The fashion, the interior decor, the fabrics – all of that detail was 100% necessary to bring the reader up into this other world. The level of power and money utilized in this book is of a different realm. Describing the texture of the material used to upholster the seats on a private jet or the sheer size of a superyacht are examples necessary to try and get this alternate reality digestible for those who don't live inside of its bubble.

Let me touch on arguably the biggest event that happens in the book. I will speak generally to avoid spoilers. Again, it isn't easy to read, but it's not supposed to be. It is just as carefully crafted as other scenes of opulence, luxury, and violence. The detail is necessary. The perspective used of the event to relay to the reader what happens, while upsetting, is necessary. It’s one of the major themes of this book: the reality of who is truly affected and by what. There’s no glamorization here. There’s no romanticism. These are the stakes and these are the people on the ground who pay the price for the decisions of others. The moral and emotional weight is very present. It doesn't shy away from the sobering realization of how the perception of brutality skews depending on proximity and connection.

Regarding the ending: Don was right I feel. Again, I'm hoping for a second book. I haven't had a "thriller" hurt my heart in a while. Just proves how much empathy was built for certain aspects of very flawed characters. Like I said above, there are no golden heroes here. Also, as a drinker of Madeira, I've made a note of what to avoid. That was a perspective changer.
Profile Image for Nick Doran.
12 reviews1 follower
June 11, 2023
Idk, man, this book was weird. There were several times I questioned if I was losing my reading comprehension skills. I almost DNF several times. I’ve never seen so many reviews that said they DNF, but I get it. The acknowledgments said the book was cut down by 25%, which is extremely concerning. This was so bloated. You could take out 100 pages, and there still would be bloat. I think it’s supposed to be complicated to match the systems it’s trying to expose, but it’s just bloat. Was I being lectured or was it part of the story?

You have to suspend your belief for a lot of thrillers, but this required way, way, way too much belief suspension for it to even remotely work. The plots made no sense, and the subplots were even worse. There were also just too many people involved - outside and inside the government. Apparently, they report to absolutely no one because someone in one of several agencies and branches of government would’ve asked where these people have been for months if not years????? Insider threat, etc., etc., except I’m not sure what the government thought they were doing because they absolutely were not spending time on it to the point where I was genuinely surprised when they mentioned several of the people were currently working for the CIA. Not to mention they are all worth millions and millions, and they all managed to hide it without lawyers or accountants and no one knew???? Sure, whatever. Someone would’ve spilled the beans outside of a vague threat thrown out there at the end.

Everyone is terrible. For “brilliant” strategists, they are all idiots, and I refuse to buy into the argument their ego and self-righteousness blinded them. They were just dumb.

Money corrupts and drives every intention was, I think, the thesis of this, but it pretends it wasn’t? Or maybe it wasn’t? And because of this, the ending was…weird? It didn’t match the rest of the book? Or any of their intentions? Or maybe it did?
Profile Image for Linda Bond.
451 reviews9 followers
December 15, 2022
Let’s face it. The world’s a red hot mess right now and we’re all left to wonder why. Is it just some kind of chaotic, self-driven, accident or is there something else behind it? Jay Newman’s explosive debut novel is an eye-opener, even for the most jaded amongst us. Do you know that feeling you get when you’re reading or listening to information and it just feels like it’s the truth? Shivers, right? In Undermoney, we learn that there are drivers out there – aiming at destruction, whether they know it or not – patrons of war and profiteering. Monetary-greed, the lust for power, and addiction for “being on top” have led thousands of people at the apex of global society (or trying to get there) to become ruthless, cruel and selfish beyond belief. It’s nothing new, actually, given that history is rife with the stories of conquerors and despots who run over defenseless masses in order to get what they desire. But we live in a time of unprecedented access to the tools - e.g. high-powered weapons, lightning quick communications, internet propaganda – needed to make these people’s actions devastating on a huge scale. The author spent over thirty years working at the top – amongst the moneyed groups, corporations, government agencies and individuals driving it all, and he is sharing what he learned with us. Yes, it’s a novel, so it’s fiction. Or is it?

I met this book at Auntie's Bookstore in Spokane, WA
Profile Image for Michael Krozer.
Author 11 books20 followers
October 28, 2021
I received the advance reader’s edition from the publisher and gave it a thorough read. It is difficult to know how to categorize this book since the author conveys his deep knowledge of hedge fund and international banking as non-fiction. The drama/thriller is then woven into this material. To me, the focus should have been on the drama/thriller first supported by the banking manipulation and the depraved culture that surrounds it.

The author’s insights are enlightening, and once the real story begins, the thriller aspect is satisfyingly present. If you’re interested in the dark side of the monetary system (undermoney) and how the elite use it to their advantage, this could be the book for you. If you’re looking for a tight drama/thriller, you might find it difficult to wade through all the supporting information. Edited to achieve that magic balance while giving us a character to empathize with, this would be a great book to spend some time with. I’m looking forward to the final version.
Profile Image for Eric Northwood.
49 reviews1 follower
May 12, 2022
A violent, sociopathic thriller culminating with the promise of a simpleminded and grotesque Ayn Randian utopia - if the 'protagonists' can just suddenly give up their inhumanity and penchant for corruptibility, of course. A story of people operating well outside the bounds of human decency, if not the spirit of law, as it seems the author is somewhat familiar with. The obvious unconcern for the rest of society outside the financial realm makes this a very creepy and telling book. I will change my review to a positive one, and the rating to five stars, for ten million dollars.
1 review
January 16, 2022
Interesting setup but creates a world where the authors personal politics are justified. Also the female characters were clichéd and the way no scene could be complete without a description of boobs was eye rolling. And yes all the females were sex obsessed bisexuals.
Profile Image for Rhonda.
33 reviews
February 8, 2022
a mix between a university finance textbook and a GI Joe comic

Absolutely not my style of book: wordy without saying much interesting. The characters are fascimiles: think Ken and Barbie doll dressed up in a layer of intrigue, or an attempt anyway.
425 reviews
June 24, 2022
This book is AWFUL! None of the characters have any redeeming characteristics. If this is an accurate depiction of the world, I prefer to remain unaware of it. This book left me with several disturbing images I can't unsee and took up too many hours of my life. Just don't read it.
Profile Image for D.H. Marks.
Author 1 book10 followers
March 18, 2024
I enjoyed reading the new techno financial thriller Undermoney, by Jay Newman. The book was interesting, the theme was contemporary and compelling, the characters and dialogue were good, the plot moved along well. 


The genre is techno financial geopolitical thriller and it involves high level politics, high level finance, money laundering, hedge funds, international espionage, competition between the United States and Russia, the encroachment of NATO Eastward towards the Russian border, and includes a guest appearance by Russian President Vladimir Putin. What else could you want?  Little bit of something for everybody. Meaningless violence, gratuitous sex, obscure motives, pettiness, vanity, raw political ambition, greed, avarice, misplaced sense of purpose, individuals with no sense of purpose, morals or accountability, a little bit of something for everyone. I think I mentioned greed, but for good measure, let me mention it again: hedge fund greed of the worst kind.


There's a lot of interesting backfill, exposition, dialogue, innermost thoughts, explanatory background, All of which is deliciously interesting if you like clever multi-dimensional literature. If that's not for you, then choose one of the many popular writers who have overwritten many times there worth, and now publish using ghost editors or secondary writers.


Other reviews of this book complain that it was too long, and could have benefited from major editing. I think that this criticism is only warranted if short, to the point, easily finished, not complex plot and characters are appreciated above all. Taken from my standpoint as a reader and also as a fiction  author (The Surrogate, Vera Mortina, Her Charm Was Contagious, Bloodbird, all on Amazon and Kindle under the writer's name Dimitri Markov) it is commendable that this author put in so much effort, time to detail and plot, and develop interesting background and supportive information and backfill. It's hard to be critical of an author, unless you've done it. Otherwise, it's easy to criticize, just open season and not much else, IMO. You are all adults, put on your big person pants and just read the book. I am confident you can handle it. As an Audible version (Morris County library), it's perfect for long walks, jogging, at the gym, air travel or cruise. 


Given that many of the other reviews centered around book  length, one wonders whether classic novels such as Anna Karenina, War and Peace, The Brothers Karamazov, Exodus, Sapiens, Atlas Shrugged, Grapes of Wrath (all my favs) are also not acceptable because of their lengths. Let he who is most brief cast the first stone.


One last thing I will add is that I did find the ending unsatisfactory, seemed a little rushed, too simplistic, a little confusing and not helpful to understanding flow or point of the book as a whole. Regardless, and especially in this regard, let he who is without sin cast the first stone.



Additional writings of mine

 Reliable news sources: personal list used by Donald Harvey Marks, http://bit.ly/3kECPvr  

Fake News: Everything You Need to Know,  http://bit.ly/345cj95 

Best Online Free Fact-Checking Tools,   http://bit.ly/3H97I44

Fact-Checking: The Ways We Can Fight Fake News,  http://bit.ly/3qudEyX

Infodemic: the epidemic of information, http://bit.ly/3fV7BgN 

The Curious Case of Deepfakes, http://bit.ly/3GZJdXhn 

My personal list of Red Flags, Dog Whistles, Buzzwords, Hot Button words and meaningless caricatures  that will drive toxic algorithms to heat and twist elections and trigger hatred on social media.  http://bit.ly/3TcuT4I

Einstein, Relativity and Relative Ethics,  https://bit.ly/3gWWH9t  

What I Haven’t Told My Family on the Meaning of Time. https://bit.ly/374cpzJ

Jonas Salk, Polio Vaccine and Vaccinating Against Hate, https://bit.ly/3xjtosh 

Link to my Favorite Books📚 (and recent read list) https://bit.ly/3ok9Ux

My ever-updating fav list of coffee shops and espresso blends and locations https://bit.ly/3IkqOHE

Elitists Neocons Neolibs, oh my. What are they, who are they, and why should I care? http://bit.ly/3LMrs0e 

How Woke can we be? The meaning of Woke  https://bit.ly/3Fd7fPy 



Profile Image for Joseph Young.
857 reviews11 followers
October 27, 2023
This wasn't the worse Russian propaganda I've ever read, but man if it didn't have me repeating "this is so ****ing stupid" on a regular. While this book started with a bad initial concept, stealing an airdrop of money so that someone could eventually run for president, I thought it would get better. Bad mistake. As soon as he announced the female president with her pronoun law, I knew it was going to be terrible. This is Q-Level ideas with various half-truths thrown in. The conspiracies range from anti-Israeli propaganda, secret banking cartels, military infiltration nonsense, and on and on. Occasional ok dialog and minor actions are mixed in between info dumps on the latest conspiracy. While the book starts with some combat, there are only a few combat scenes, a few hand to hand combats, and a few fast sex scenes, written like they were from a guy who's never had sex but watched too much porn entitled "Hot Lesbian Bisexuals".

The way current events are alluded to is minorly interesting at first, like Hillary, the Wagner group and Soros, but ultimately there's nothing interesting to say about them, except typical R brain rot. Putin makes an appearance too! He's made out to be weirdly charismatic, but ultimately seems like an idiot, not properly closing the deal.

The plot moves along, I guess, but the impetus never quite feels right. How can these characters be so naive? We have barely fleshed out females die to give some sort of sympathy. Our main villain killing one of the hot bisexual lesbians cements him as a true villain.

When the presidential candidate finally gives his speech, I was like, this is what we were building towards? Stupid platitudes that don't make sense? Sure let's end obstructionism by being an obstructionist president! Pure GENIUS! It's typical claptrap as if the D vs R fight is the main fight, and when Greta expressed admiration for this, I completely lost what remaining respect I had for the character.

The ending has a lot of terrible Russian propaganda, and it feels like we are in Plato's Republic, with the idiot American saying, "oh, he makes good points." No real pushback, no deep thought. Pure propaganda to close. And then we find out the main character is actually the villain all along.

This book is readable, but it's terrible both in style and political messaging.
Displaying 1 - 30 of 150 reviews

Can't find what you're looking for?

Get help and learn more about the design.