diff --git a/README.md b/README.md
index 427d834..3caa848 100644
--- a/README.md
+++ b/README.md
@@ -60,4 +60,4 @@ You might also be interested in reading more in the [TigerBeetle docs](https://d
 - Balance-conditional transfers
 - Balance bounds
 - Correcting transfers
-- Rate limiting (by request rate and bandwidth)
+- Rate limiting (by request rate, bandwidth, and transfer amount)
diff --git a/exercises/033_rate_limiting_money.sh b/exercises/033_rate_limiting_money.sh
new file mode 100755
index 0000000..c4da8b2
--- /dev/null
+++ b/exercises/033_rate_limiting_money.sh
@@ -0,0 +1,37 @@
+#!/bin/bash
+source ./tools/tb_function.sh
+
+# In the last two exercises, we used TigerBeetle to rate limit user requests by number and bandwidth.
+# We can also rate limit accounts to ensure that users do not send more than a certain amount of money per time unit.
+
+# This time, we're going to set up 4 accounts on 2 ledgers:
+# Both accounts 3301 and 3303 represent the same user.
+USER_ID=123456
+USD_LEDGER=330
+RATE_LIMITING_LEDGER=331
+tb "create_accounts id=3300 code=10 ledger=$USD_LEDGER,
+                    id=3301 code=10 ledger=$USD_LEDGER user_data_128=$USER_ID flags=debits_must_not_exceed_credits,
+                    id=3302 code=10 ledger=$RATE_LIMITING_LEDGER,
+                    id=3303 code=10 ledger=$RATE_LIMITING_LEDGER user_data_128=$USER_ID flags=debits_must_not_exceed_credits;"
+
+# Now, we'll fund the user's USD account with $10000.
+# And let's say we want to limit the user to spending $100 per minute.
+tb "create_transfers id=33000 debit_account_id=3300 credit_account_id=3301 amount=10000 ledger=$USD_LEDGER code=10,
+                     id=33001 debit_account_id=3302 credit_account_id=3303 amount=100   ledger=$RATE_LIMITING_LEDGER code=10;"
+
+for ((i=1; i<=11; i++)); do
+    id=$((33002 + (i * 2)))
+    # What flags should these two transfers have? (Hint: they aren't the same.)
+    output=$(tb "create_transfers id=${id}       debit_account_id=3301 credit_account_id=3300 amount=10 ledger=$USD_LEDGER code=10 flags=???,
+                                  id=$((id + 1)) debit_account_id=3303 credit_account_id=3302 amount=10 timeout=60 ledger=$RATE_LIMITING_LEDGER code=10 flags=???;")
+    echo "$output"
+done
+# The last two of these transfers will fail because the user has exceeded the rate limit.
+
+tb "lookup_accounts id=3301;"
+
+# You can uncomment these lines to sleep for 60 seconds before creating another transfer
+# (that will work because the user will be within the rate limit).
+# sleep 60
+# tb "create_transfers id=33030 debit_account_id=3301 credit_account_id=3300 amount=10 ledger=$USD_LEDGER code=10 flags=linked,
+#                      id=33031 debit_account_id=3303 credit_account_id=3302 amount=10 timeout=60 ledger=$RATE_LIMITING_LEDGER code=10 flags=pending;"
diff --git a/patches/033_rate_limiting_money.patch b/patches/033_rate_limiting_money.patch
new file mode 100644
index 0000000..7b69536
--- /dev/null
+++ b/patches/033_rate_limiting_money.patch
@@ -0,0 +1,15 @@
+diff --git a/exercises/033_rate_limiting_money.sh b/exercises/033_rate_limiting_money.sh
+index c4da8b2..c078640 100755
+--- a/exercises/033_rate_limiting_money.sh
++++ b/exercises/033_rate_limiting_money.sh
+@@ -22,8 +22,8 @@ tb "create_transfers id=33000 debit_account_id=3300 credit_account_id=3301 amoun
+ for ((i=1; i<=11; i++)); do
+     id=$((33002 + (i * 2)))
+     # What flags should these two transfers have? (Hint: they aren't the same.)
+-    output=$(tb "create_transfers id=${id}       debit_account_id=3301 credit_account_id=3300 amount=10 ledger=$USD_LEDGER code=10 flags=???,
+-                                  id=$((id + 1)) debit_account_id=3303 credit_account_id=3302 amount=10 timeout=60 ledger=$RATE_LIMITING_LEDGER code=10 flags=???;")
++    output=$(tb "create_transfers id=${id}       debit_account_id=3301 credit_account_id=3300 amount=10 ledger=$USD_LEDGER code=10 flags=linked,
++                                  id=$((id + 1)) debit_account_id=3303 credit_account_id=3302 amount=10 timeout=60 ledger=$RATE_LIMITING_LEDGER code=10 flags=pending;")
+     echo "$output"
+ done
+ # The last two of these transfers will fail because the user has exceeded the rate limit.