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Emerging Business News of the Week – 12.27.21

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* The Best Small Business Stories Of 2021 [Forbes]

* Every Entrepreneur Has Had to Change Their Business Model in Some Way. Here’s How Some of the Most Successful Ones Did It [Inc]

* Everything I’ve Learned from Growing My Startup to 10 Million Users with $0 in Funding [Entrepreneur]

* Serial fintech founder raises $20M for Ant Money to make micro-investing even more accessible [TechCrunch]

* VCs Lavished Startups With Cash in 2021. Now Comes the Hard Part [Wired]