AI Is Coming for Your Job. Here’s How to Prepare Financially

Transcript:

On this episode of the Personal Finance podcast, AI What's up everybody?

And welcome to the Personal Finance Podcast. I'm your host, Andrew, founder of Master money.co. And today on the Personal Finance Podcast, we're going to be diving into the topic of AI coming for your job and here is how to prepare financially.

If you guys have any questions, make sure you join the Master Money newsletter by going to mastermoney.co/newsletter. And don't forget to follow us on Apple Podcast, Spotify, YouTube or whatever podcast player you love listening to this podcast on it. And if you want to help out the show, consider leaving a five star rating in review on Apple Podcast, Spotify, or your favorite podcast player.

Now today's episode, I am going to take you through a bunch of different data and statistics on the progression of AI. We're going to be talking through some of the things that we need to understand when it comes to protecting ourselves against this surge of AI.

And one of the big things I think a lot of people are not taking seriously enough is the fact that some industries do have a lot of risk on hand when it comes to AI taking over their jobs. And So what I'm going to do today is I'm going to walk you through step by step, first, how to prepare your finances and how to make sure that you are prepared financially for this happening.

Number 2 is I'm going to show you how to make sure that you are progressing in your career so that you can stand out from everybody else in your department or everybody else in your company to be the go to person when it comes to AI3. I'm going to show you how to play the corporate game in that preparation.

I'm going to show you how to have conversations with your boss to make sure that they understand that you are irreplaceable and that you are someone who needs to be in this role. 4, we're going to walk through some of the jobs that are safer than others. Maybe some of you out there are feeling as though I don't know if my job is safe or not. We're going to walk through which ones are safer than others.

And most likely, you know, everything is surging and everything is changing very rapidly. So we're going to talk through some of that stuff. And then five, we're going to talk about where you can learn more about AI and AI tools. And we have free ones, free courses that you can actually take and certifications that you can actually take out there.

And we'll talk about some of the things that are important for you to at least understand and make sure that you understand in 2026. Every single year when AI progresses, there are things that you really, really need to know, you know, in 2023. And four, we were talking about LMS in 2025.

We were talking about vibe coding and some of the ways that you can do that in 2026. Agentic stuff is a huge, huge deal, but also automation is a huge portion of what is happening in AI right now. So we want to make sure that we are on top of every single one of these areas. Now, for those of you out there who have said to yourself, I really haven't jumped on the AI train yet.

I feel as though this is something that is passing me by or it is moving too quickly or it is above my head. Make sure it's not above your head because the folks who did not adopt the Internet, for example, were the folks that fell way, way behind. And you can see even those people today in 2026, folks who do not understand the Internet really can't do a lot of different things.

And for those who don't understand AI, moving forward is going to be very difficult for them. You need to know how to use this stuff. You need to know how to handle this stuff and stay up to date with it. You do not want to be the person who is outdated when it comes to AI because it is very, very important. Now, if you go and look back, we actually did our very first episode on AI.

I think we're the first, one of the first podcasts actually do an episode on AI because when Open AI released ChatGPT back in November of 2022, we actually did an AI episode the very beginning of 2023 talking about how amazing this technology was and how amazing it would be for you moving forward.

We talked about a bunch of use case ideas and a lot of that stuff that we were talking about in that episode is actually coming true now, which I think is very, very cool and very interesting. But this is going to be something that as we walk through this, I'm going to go through some stats here at the top of the show. Then we're going to dive into step by step, what you need to do tactically so that you can understand your next steps when it comes to learning AI.

Maybe you are someone who is an expert in AI or you're already utilizing it. For some of you out there who have just played around with ChatGPT, you are only scratching the surface of what you honestly need to understand. And this is not to scare you. This is to prepare you because every single one of us needs to face the reality that we can only focus on the things that we can control.

And what we can control is how we handle this technology, how we handle our finances and how we make sure that we are building, building a Moat around our career so that we become bulletproof. OK, so that is what we're going to be talking about in this episode. So the OECD estimates that about 27% of jobs across member countries are in high risk of automation category when large shares of tasks are easily automatable.

And this is something that I think for you, you need to evaluate yourself very honestly and say, are the tasks that I do day in and day out, can they automate this? Can this be something that's automated where my job could get moved? In a separate set of analysis, 9% of jobs were deemed fully automatable, showing that task level automation risk is higher than full roll replacement.

So McKenzie estimates that generative AI and other technologies could automate about 30% of hours worked in the US economy by 2030. And 2030 seems to be the time frame where a lot of folks are like, hey, that's four years ahead. A lot of things are going to change by 2030.

This is up from roughly 22% without generative AI and forces about 12 million workers to switch occupations by 20-30. That is a very large number and that is a huge shift for a lot of people in their industry to have to switch occupations by 20-30.

A 2026 survey forecast about 6.1% of U.S. jobs, around 10.4 million, to be lost by 2030 due to specifically to AI and automation. Now, this is from Forrester, which is a different company from McKinsey, and so they're estimating a bound 6.1% of McKenzie is estimating a little bit more.

Now, whose jobs are most affected? Well, the IMF and other synthesis report that about 40% of jobs globally are exposed to AI, meaning a major part of their role could in principle be done by AI. And in advanced economies that exposure could rise to 60%.

Transportation and logistics jobs are among the most exposed, with estimates around 60% of jobs in that sector have strong automation potential because tech like self driving in warehouse robotics is already commercially viable. And then roles like data entry clerks, roles like bank tellers, bookkeepers, payroll clerks, telemarketers, postal clerks, receptionist and claims processors are consistently listed as the most at risk of displacement.

So if you are in roles like that, you need to make sure that you're taking this seriously and figuring out what you can do. I'm going to talk about what you can do in today's episode that roughly 15 to 27% of jobs in rich countries are in the high risk bucket and 40 to 60% of jobs will be meaningfully changed by AI through task level optimization.

So what does that mean for a lot of us out there right now? If they are meaningfully changed, What is going to happen here? It's really going to come down to you. And I will say this over and over in this episode, but it's going to come down to who understands AI versus who doesn't understand AI. Because if you understand how AI works and you can control AI and you can be the person, the go to person in your company that understands this, this is going to be very, very important for a lot of you out there.

By 20-30, tens of millions of jobs will be displaced, but more jobs are expected to be created then destroyed. And this is the good news for a lot of us out there is people are saying, OK, well all these jobs are going to be destroyed. But there is going to be a huge portion of jobs in this country that will be created by AI shifting where and how people work rather than eliminating work all together.

The folks who say that work is going to be eliminated all together, I do not buy that for one second. Instead, I think that there is just going to be a shift in how we operate and how we work. And So what does this mean for each and every single one of us? A is we need to know how to put together this bulletproof financial plan. We need to know how to protect our career, and we need to know what we are supposed to be doing next.

And so in this episode, we're going to dive deeper because the numbers are staggering on how fast this stuff is progressing. And for most of you out there, this is going to be something that I think is going to be much more freeing than you once thought it was, especially if this stresses you out. Now, if this doesn't stress you out, you should have a little anxiety about this. A little healthy anxiety about this is a good thing because then you can make sure you can focus on those things you can control and move the ball forward.

So I'm really excited to dive into this. So without further ado, let's get into it. All right, So the first thing we're going to do is we're going to come up with our AI action plan. We're going to combat against AI coming for your job. And the first thing I want you to do is get your financial preparation in place.

This wouldn't be the personal finance podcast if we didn't talk about financial prep 1st. And so this is going to be the area where I'm going to show you exactly a few steps that you need to take in order to make sure that you were on the ball when it comes to AI. Because if AI does come for your job and it does take your job or your career and you have to shift gears, you want to make sure you are financially prepared for that.

So step one is we're going to talk about the emergency fund. And obviously a lot of long time listeners here have heard of our 136 method, meaning you save one month of expenses, then three months of expenses and then six months of expenses. And six month emergency fund is the minimum amount that we believe you should have.

And the reason for that is because of job loss. If you lose your job, it's going to take you some time to go out and find a job. And the last thing I want for you is to have to take a job that you absolutely did not want to take because you did not have enough cash on hand to protect yourself. And so the emergency fund is going to be an area that becomes increasingly important for every single person out there.

We have been slamming our fists on the table talking about an emergency fund, but in reality, This is why, This is why we've been talking about it so much, is to protect yourself against life. And life is gonna happen. Things you can't control are gonna happen to you, and you have to have that emergency fund in place.

Now, for those of you out there who feel as though you may be at risk of AI taking your job, then you need to figure out beyond six months, what is your swan number, your sleep well at night number. Your swan number is gonna be the number that you need to figure out what you are comfortable with, how much cash you really need on hand beyond those six months.

For some of you, this may be nine months. For some of you, this may be 12 months of cash on hand, which sounds crazy to some people, but in reality, this is what is going to help protect you moving forward as we progress with a lot of these different changes and a lot of these shifts in times when things are uncertain.

Those are the times where cash is going to be your savior. And those are the times where cash is going to help protect your finances from anything else in life. And so we want to make sure that we get that emergency fund in place. And I want you to identify or let me know what you think you are gonna be comfortable with.

If you're listening on Spotify or Apple Podcasts or YouTube, I want you to comment down below what your swan number is currently and what you think it should be based on some of these AI changes because I think this is really, really important. Step 2 is I want you to eliminate that high interest debt. So anything above that 6% interest rate outside of your mortgage is gonna be a debt that you want to make sure that you get removed because you don't want to have these debt obligations that you are paying constantly.

If you did have some sort of job shift or if you had some sort of career change, you don't want to have that weighing on you. You don't want to have that worry all the time. So if you have car payments that are high interest, I would get rid of those credit card debt 100%. Always, always, always be focusing on getting rid of that credit card debt and any other high interest debt.

Buy now, pay later personal loans, all those different types of debt. Let's get rid of those as fast as we possibly can. Now, anything below a 6% interest rate, if that stresses you out to have on hand because you really just don't want to have debt payments whatsoever, I don't have a problem with you paying that off in preparation to get ready in case anything like this happens.

That is being financially prudent. And for a lot of folks out there, if you want to pay off that low interest that you absolutely can. But I still personally think it is better served to take those dollars and put them towards wealth building activities, things like your investments, things that are going to grow your wealth over time because those are also going to be protecting you as we move forward here.

Step 3 is I want you to diversify your income streams and this is a very important component of making sure that maybe we can have some additional income streams and we can start some of those income streams during a time frame where we have some of the best technology of all time at our disposal.

So what do I mean by that? Well, your W2 job is a single point of failure. If you are working for someone else, it is one person's decision away from you having no income whatsoever. And if you have a dual income household, realize that that is a blessing. It is a blessing to have someone else in your life who also earns an income because at least you have two diversified income sources coming in.

And so you have to rely on two different people's decisions to make sure that you can still be getting a paycheck every single month. But what if you could come up with an idea that could help you earn an income in 2026? Yes, AI is something that is surging, but it is also one of the greatest opportunities of all time.

We're gonna be. I'm seeing kids who are between ages 13 to 18 creating companies that are $1,000,000 because of AI, because they dove in and they understand how AI works. And I believe every single one of you can do the same. You can find different business ideas that are gonna to help you earn a little bit more income.

Maybe it's $1000 a month, maybe it's 2000, maybe it's 5000. What if you got to the magic 10K number that everybody wants to get to? It seems like everybody wants to get to $10,000 per month so that they can figure out how they can turn it into a full time job. All of these are different things that I think you can truthfully do to increase your income.

So think through first something maybe like a skills based job or side hustle that can help you increase your income. So maybe it's consulting, maybe it's freelancing, maybe it's doing some coaching, touching on the side with something that you are very proficient in. If you're really good at sales, maybe you do some sales coaching to some new sales reps across the country.

You're creating content around sales, you're doing things around sales that are going to help other people. And you create a program that could be a step by step guide for a lot of other people. Maybe you're a teacher and you want to be a tutor on the side to help kids move along. Or maybe you're a teacher and you want to start tutoring people on how AI works and how that happens.

You know, how many people would pay for that if you were a tutor for AI for kids? I mean, that would be absolutely amazing because so many people want their kids to understand this stuff. I mean, we don't even know if our kids are going to college at some point, dime or college could just be learning how to utilize AI. So a lot of shifts are happening right now.

A lot of uncertainty is happening right now. And if you could solve the problem of making sure that people feel better about that uncertainty, that could be very, very helpful. What's another one? A big one for me right now if I was looking to start a business would be a service based business. Time and time again, those sweaty start-ups, those sweat equity service based businesses or businesses that I think are timeless.

Even if AI starts to automate this stuff and there's robots helping you clean up your garage or robots cleaning your windows or robots pressure washing your driveway, you can own the robots that actually do that. And so this is something I think that service based businesses, meaning you provide a service, especially a home service based business, those I think are really, really valuable.

And the more people that start these and the more people that can figure out a service that maybe is not super competitive, those people are going to win when it comes to money. And if you can do this on nights and weekends, if you can do this at times where it makes sense, I think it is a very, very valuable business to start. And those businesses can definitely turn into full time incomes as time goes on.

So I want you to diversify your income sources, try to figure out ways that you can earn more money, things that AI is not going to kill right away, but instead you come up with different industries or different things that you can do in order to help people. A big one for me, and we were going to talk about this again, we've talked about this on multiple episodes in the past, is to solve AI problems for small businesses.

Small businesses are willing to pay for AI solutions. You figure out what those problems are and you implement AI and charge for maintenance as well inside of those businesses. I think that, my friends, is a very powerful, full, powerful thing. We're going to have an episode coming up on some of the side businesses that you could start with in AI that can help you turn into a full time income.

Really excited to go through some of those because I think for some of you, it's going to turn on some light bulbs and it's going to get your mind going. All right, Step 4 is I want you to start investing aggressively, even more aggressively than you have in the past. AI is gonna create some massive wealth creation in this country, and there are a lot of companies who are gonna share that wealth.

There's also a lot of companies who are gonna fall way, way behind. So how do you invest in the AI surge? How do you invest in this rapidly, rapidly growing opportunity? Index funds and ETFs, once again, why? Why are index funds and ETFs so powerful when it comes to even AI technology and investing going forward?

Well, let's look at the S&P 500 for example. The S&P 500 right now is actually heavily weighted with the top ten companies. In fact, there's about 40%. A little over 40% is the top ten companies. And when a company is struggling, when a company is not doing well, what is happening?

Well, they get kicked out of the S&P 500 and a better company comes in. So let's say all these different companies that are working on AI, they all start to go public. So there's Anthropic right now, there's Open AI. There's a ton of different companies right now that were still not public. Well, if this happens and they stay private, it's not the best for the economy, but if they go public, there are ways that you can invest in these companies and really make a massive change to your bottom line.

And so when it comes to the S&P 500, you can see some of the top companies that are right there right now in the S&P 500. You're looking at things like Amazon. Amazon has a ton of exposure to AI right now. You're looking at NVIDIA, the ultimate AI company currently because it creates all the chips and a lot of the technology that these AI companies are running on.

You're looking at companies like Tesla who is creating all these different self driving capabilities and all these different shifts in the AI economy. You're looking at a massive, massive 1, which is one of the biggest players overall, which is going to be Google. And Google, which is Alphabet is one of the top 10 holdings.

And this is a huge, massive company. You're looking at Meta, which is Facebook. They also own Manus AI, if you didn't know that. And so Meta has a ton of AI infrastructure it has put into place. It has spent billions and billions of dollars on AI. In fact, Google, for example, just raised a $20 billion note in a day to be able to invest in additional infrastructure in AI.

There is so many different companies that I'm leaving out right now that are all in the AI infrastructure and they're all part of the top 10 holdings. And so when you're investing in index funds and ETFs, you're investing in AI. This is why we have talked about these for so long. It is still one of the best wealth creation opportunities that we have ever had because people who would have no idea how to invest can get the ball rolling by investing in index funds and ETF.

So for me, I am looking at those. If you want to invest in individual companies and you feel convicted, more power to you. There's nothing wrong with that, but just know the risks, the pros and the cons. I am not good enough to pick those individual companies and figure out exactly which ones are going to perform well. And so those are things that you want to make sure that you're looking at moving forward.

So index funds and ETFs are a big, big one that you can invest in. Now there are ETFs that are coming out. Fundrise just came out with an ETFI know where you can invest in Anthropic and Open AI and some other private companies. So there's a lot of different shifts in the market. There's a lot of different shifts in what is happening right now in 2026 where you can even get a hold of some of those private companies even as an individual investor.

Next is Step 5, which I would make sure that you're protecting your income with the right insurance. So there's a number of different insurances that you can look into when it comes to your income. Disability insurance is criminally under owned, meaning it's one that I think a lot four people should have to protect their income.

But if you cannot work because your entire field gets disrupted, that is a financial emergency. And you make got to make sure that you either have short term disability in place or ideally own occupation disability policies. And you can look into those if you feel as though there is some high risk and you want to run the evaluation and make sure that insurance makes sense for you.

But I think it's a very, very powerful thing that you can do overall. All right. Step 6 is going to be when it comes to your finances is going to be to make sure that you are protected. Protecting your finances if you don't have a financial protection plan in place in the age of AIAI is one of the biggest risks when it comes to fraud and and scams when it comes to your finances.

And so you need to make sure that you are putting your financial protection plan in place and writing this entire thing out so that you and your family understand exactly what you're going to be doing next. So some of the biggest stuff that you can do right now is 1 freeze your credit, meaning you go to each and every single one of the major credit bureaus and you freeze your credit.

What does this do? This make sure that someone can't come in and open up a bank account in your name, or an AI technology can open up a credit card in your name or some other scam to be able to fraudulently either steal money from you or do something else along those lines. So freezing your credit freezes it so they can't open an account in your name.

And then when you are ready to open a credit card or a bank account, you just unfreeze your credit. It takes about 10 minutes and is worth every single second because it protects you from fraud. I have seen way too many people have scams come up where they are getting scammed out of all of their money because they did not have financial protection in place.

That is the number one thing I want you to do right there #2 this sounds basic and it is basic, but most of you don't do it. And this is what I want you to do is look at your passwords and be very honest with yourself and say, hey, are these way too easy to guess or are these passwords, I'm just using the same password for every single website or same 3 or 4 passwords and I need to shift this quickly.

If that is the case and if that is you, you need to come up with a system that is going to help you have very unique passwords. There are lots of free tools out there. There are lots of paid tools out there that are going to help you store these and keep them in one spot. There's one password, which is fantastic.

There is Google Passwords, which is going to help you do all of this kind of stuff and you could do it for free. If you have a Google account, there's LastPass, which is another great one. I've used all three of these and they're all fantastic and they help you store and save your passwords in spots that are going to help protect your finances. I promise you something is going to happen if you don't put this plan into place.

So you got to make sure you are doing this #3 is to remove your personal information. When you have personal information online, a lot of data brokers out there, their business model is to sell your information to other people who are willing to pay for it. And so when it comes to making sure that you're protecting your finances, you need to get your personal information removed from the Internet.

And so the best way to do this is to make sure that you use a service like Delete Me. Delete Me is a service that will remove your personal information for you so you don't have to spend hours and hours and hours and hours of your time trying to do this yourself. It will never get done. If you try to do it on your own, it's gonna take you way too long.

You're gonna have to jump through a bunch of different hoops. Instead, using a service like Delete Me, who does this for thousands and thousands and thousands of people is gonna be the best route to take. They go, they remove your personal information from these data brokers so they can't sell your information to a bunch of other people. And then you can help protect your finances that way.

If you Google your name, you Google your address in quotations. It is one of those areas that I think most people don't realize how much their information is online. And so getting that information removed is one of the best ways to protect your finances. And so if you go to joindeleteme.com/PFP 20, you can get 20% off to delete me just by going there.

Now, I promise you this is one of the best services that I have used. My family uses them and it's, I think what are the most important things that most of you need to do, if you have not already done so, is get that personal information removed. The last thing you need to do when it comes to protecting your finances. And I have even even I'm, I'm, I talk about this stuff all the time and if I'm moving quick, I've even been guilty of doing something like this and I be like second guessing myself.

Like, did I just click a link that was suspicious? And so when you get emails or when you get stuff that's coming in, you need to really audit that e-mail to make sure it is from the person who is sending that e-mail to you. For example, I just had an e-mail come from a big company that we work with all the time.

And it came into my e-mail and I looked at it really quickly and I said, Oh yeah, this is from the company. Everything looks correct. And I was about to click the link. And right before I click the link, something inside me said, Nah, double check this really quick. And normally if I'm moving super fast through my emails, just trying to get them answered, a lot of times after I click a link, I'll say to myself, oh, shoot, I probably shouldn't have clicked that.

I probably should double check. And so because I've done that so many times, I said, OK, this one I get, I gotta stop and I gotta double check. It was a spam e-mail and I was about to click a link that might have exposed me to another scam. But because it looked so legit and it was even from an e-mail that looked like it was from the sender, it almost got me and it could have got me.

And if it did get me, it was a link I was going to push to enter in some financial information. So these are getting so incredibly good because of AI in 2026 that we have to make sure that we are protecting ourselves against things like this. And so you want to make sure that you are second guessing every single e-mail you click, especially when it comes to any personal information, password information or financial information.

Those are the things that you need to be doing and part of your finances and how to protect your finances to make sure they are bulletproof. Now let's jump into Part 2, which is the career preparation to make sure you have that Moat around your career. All right, when it comes to career preparation and making sure that you are protected within your career, there's a number of things that I want you to do in order to stay on top of AI and make sure that you are preparing for the shift that is going to happen here.

Number one is I want you to make sure that you are auditing your job for AI exposure. I want you to be really, really honest with yourself, and I want you to ask yourself a couple of different things. What percentage of my daily tasks could actually be automated with an AI tool right now?

If you are someone who does a lot of data entry, for example, what percentage of those tasks could be automated? If you're someone who is in law or you're a paralegal, what percentage of your tasks could be AI automated? And if you put in the right prompt, could there be something where if it's 50% of your tasks, then I would consider you being in what we call the high risk zone, Over 50% of your tasks could be automated by AI means that you are high risk.

If it's 30%, then you're just medium risk, and if it's 20% or less than you are probably low risk, risk to getting automated by AI. This is one of those areas that I think you got to be honest with yourself, understand each one of those zones, and really list out all the things you do within a week.

If I were you, to be honest, if I were you, I would take out a spreadsheet or some sort of tool and I would do every 15 minutes for an entire week all the tasks I do throughout the week. And I would say, hey, here's the task. Hey, this is going to make you more productive #1 but #2 I would list out the task and I would say, can this be automated by AI or not?

Answering emails, could that be automated by AI or not? Making sure everyone's calendars are organized, can that be automated by AI or not? Making sure that the stuff that I'm doing, the data entry that I'm doing, can that be automated by AI or not? Organizing folder. It doesn't matter what it is. Go through all the sequence and ask yourself these questions.

Now step two, once you figure out what this is, if you are someone who is in scheduling or customer service or basic coding or bookkeeping, or you're doing research compilation, those are all really high risks. So I want you to shift your timeline to thinking about moving up the value stack. Now a value stack, we talk about a lot here, but it is basically what skills do you have in place your skill stack in order to make sure that you stand out from everyone else.

And so I want you to become more and more valuable at your company. And so to do this, I want you to become the person who manages AI, not the person competing against it. And so if you feel as though you're competing against AI now, you want to make sure that you are the ultimate person to understand how AI works.

I want you to develop an expertise in prompting and reviewing and editing AI outputs. Those three things alone are going to help you dramatically moving forward but prompting, a lot of people talk about prompting right now in 2026. Prompting is not it. It is also understanding how agents work. It is understanding how automations work with things like Claude Co work.

And so you want to make sure that you are looking and thinking through all of this now. Focus your time on decisions, not just deliverables. And making sure that you stand out in that way as well #3 is I want you to build a personal brand now, not before you need it. What does that mean?

What does it mean to build a personal brand right now? If you get laid off tomorrow, who knows what you're great at? I want you to become the well known person to being great at a specific skill. So let's say for example, you're in sales. Well, if you're in sales, I want you to be the person that all of your peers know are one of the best sales people in the area.

Why? Because you talk about it, you create content about it, You have a newsletter about it. You do some extra things that are going to help you stand out from everyone else. Personal brands are very important in 2020. 6 Even if you're working a normal 9 to 5, you must have a personal brand in place on what you're good at.

Let's say you're a recruiter for example. If you're a recruiter, why not make some additional content? Maybe you do it on LinkedIn. Maybe you have conversations on LinkedIn to be the go to person when someone is looking for a job on how they can find a job. Maybe you're the go to person on how they can utilize AI to go and find a job.

Even if it's counterintuitive to what you think you need to be doing, this is going to be something that can help you dramatically. 4 is I want you to develop what we call T shaped skills. What does that mean? I mean, I want you to go deep on one skill that is very, very hard to automate.

These are skills like strategy. AI is not very good at strategy yet. It can help you strategize and come up with some ideas, but it's not good at real life strategy as of yet. Sales is a huge one. That is one that we are going to have to have forever. You're going to need the skill of sales forever and that is going to be very important.

Leadership. If you are the go to person when it comes to leadership or training leaders, I think that is a very powerful skill to have. Negotiation is going to be another big one. If you are the go to person for negotiation, they're going to bring in for the bigger negotiations. I think that's a great one. And also I need, I think another one is creative direction.

Whereas and overall, my favorite one overall is relationship building because relationships are going to become increasingly important as time goes on. So if you go deep into some of those, it is going to make you stand out from everyone else. And then you want to be resilient and everything else. So you want to have an understanding of how everything else works, but go deep on the ones that are hard to automate.

And then Step 5 is I want you to treat yourself like a business. Andrew, what do you mean by treating yourself like a business? 1 is I want you to go and look at being doing an annual career audit. Every single year you go back and look and say to yourself, am I on track? What skills am I developing to become the best I can possibly be?

What is my market value? Am I actually worth what I am making right now or can I actually level up and develop some of my skills and my skill stack in order to make more money? Am I the most valuable person on my team? If not, how do I become the most valuable person on my team?

What is your network doing around you? How are they thinking about their career? Are they even thinking this way like we're talking about right now? Because most people are not yet thinking about AI and the skills that you need. I know a lot of very smart people who are still not utilizing AI to any way, say outside of just chatting with ChatGPT guys.

If you can get ahead of those people, if you can move above and beyond those people, you are going to be taking over a lot of different positions that are going to get eaten up by AI. And I want you to understand that the more proficient you are with some of these tools, the more powerful you can become within your own company.

Now, most people do annual reviews at work, but they never do them on themselves. And that's what I want you to do for yourself is I want you to make sure you take this seriously and you treat yourself like a business and you do an annual review you on yourself and see exactly what progress you made over the course of the last 12 months. Maybe you want to do it every three months, maybe you want to do it every six months.

But I recommend that you think about exactly the progress that you are making. That's Part 2 is prepping your career. Part 3 is we're going to talk through how to play the corporate game to prepare for a lot of these shifts that are happening. I'm going to talk about that next. One of my least favorite things when I was in the corporate world was playing the corporate politics game.

But unfortunately, and I learned this very quickly, it is a necessary, especially when you're in the corporate world and a lot of white collar jobs are the ones that are most at risk with AI in these early years. And so you're going to have to play the corporate game, you're going to have to play corporate politics in order to make sure that you get ahead of some of these other areas.

And so first thing I want you to do is I want you to look around in your department and I want you to become the AI champion of your team. Do not wait for your company to mandate AI training. Instead you need to volunteer to lead it. I want you to be the volunteer of the person who leads AI infrastructure.

Be the person who figures out how AI tools can work within your current business. And then I want you to 10 extra teams output and present that to leadership. I want you to show your leadership the tools that can help your team in every single area.

And in fact, you know what I want you to do? Start to talk to your Co workers about AI announcements. Start to talk to your Co workers about AI releases. Why? Because all of the sudden you're going to become the go to person where someone in the in the team is going to say, Hey, I wonder if there's any AI tools that can help us with this?

And your coworkers are going to say to your boss, Oh, Joe or Mary, they both understand how AI works. We should go talk to them and then they're going to come to you. And then you can develop a plan and become invaluable at your company. So start just yapping about AIA little bit.

Start being the go to person when it comes to AIA little yap and never hurt nobody. And so you can start to just plant those seeds even around your Co workers, just saying how excited you are about some of these cool tools that are coming out. Next, I want you to document your AI proofed wins. Every win that you have when it comes to AII want you to document that in some sort of document so that when you come to your yearly review, you can show your boss or folks exactly how you're utilizing AI to further the company's production, further the bottom line, meaning making them more money, increasing top line revenue and helping them as you move forward with AI infrastructure.

I want you to keep a running document of the outcomes you drove that required human judgement, specifically that required human judgement so that you can show that this is really, really important. Also, I want you to talk about the certain things that you did with relationships or creativity. These are the areas you're going to want to make sure that you are documenting on the side.

These AI proof wins are going to help you when it comes to your yearly review. And if you think about ways that you, A, have used AI to drive some new traffic, but B, also the proof things, the relationships you built, the creativity you individually have done, that is going to help you tremendously.

And really documenting that stuff and making sure you have that aside is going to help you remember as well #3 And I just want you to know it is you basically verse your department right now. And I want you to make sure that you are thinking about it in this way. But I want you to use AI to make yourself look like a team of one. What do I mean by that?

That means I want you to use and become the ultimate corporate weapon. I want you to take this information and I want you to use AI to do the job of three different people at the same time, meaning writes faster memos. It helps you produce data analysis. It helps you do whatever you do within your corporate world.

I want you to use as many tools as possible because if you can build presentations that used to take a week into a day, or if you can do things that used to take your entire team an entire month in less than half a week, this is going to be the area where they're going to notice. They're going to notice the difference that you are making within your job and you're going to become irreplaceable or the irreplaceable person within that department.

The next thing I want you to do is try to get a budget for AI tools because if you're going to be known as the AI person, also ask to see if you can get a budget for some of these AI tools so that you can learn how they work and learn how they operate. Now, if you can't get a budget, I would try to work on some of these or set aside a small portion of your income to invest in some of these AI tools.

There's a lot that I spend right now. I'm spending hundreds of dollars on AI tools per month within my business and it is one of the best dollars I have ever spent. I'm saving thousands a month with these tools by spending a few $100 per month. And so it's one of those areas that if you can't get a budget, I would highly recommend that you look for a bunch of other things.

So things like chat, CBT plus Cloud Pro, Perplexity Pro, if you can get gamma, that'd be great. If you can get mid journey, whatever it takes for you to go out and get some of these tools so that you can use them in your day-to-day life and use them to implement systems is really, really important. And then I want you to build internal relationships aggressively.

AI cannot have a coffee with the person who is the VP of your department or AI cannot develop a relationship with the CEO of your company. AI cannot make sure that your manager is getting smoothed. All of those different things are very, very important. And you can build these internal relationships very aggressively by coming up with a plan.

Now here's what I would do if you're like, I don't know what to build inside of AI yet. Here's exactly what to build right now. I'm going to give you something, a tool to build so you can go to Claude Code, for example. Then you can start to build out something simple. But I would like for you to build an internal corporate CRM. This is just a homework assignment for you.

So ACRM is a relationship manager essentially, which you probably used a ton of them in the past. And So what I want you to do is build 1 internally for you, specifically for building relationships within your company, who you talked to, what you talked about, when you talked follow up with them or what you should follow up about.

Maybe their kids had a birthday party coming up. Well, you can follow up and see how the party went. Maybe they are working on a big project that is going to be completed in a month. Go follow up and see how the project is going. Ask them questions. Make sure that you are building up these relationships and the CRM is going to help you dramatically reach out to three people a day.

So make it set up where you can reach out to these three people. Now you can actually use Cloud Co work to automate and send follow up messages on those specific topics. That's for another episode, but it is something that I think is very, very powerful. So if you don't know what to build with an AI yet or you don't know how to kind of come up with some ideas for this, just test out ACRM.

That's an easy way to build something out in a few different minutes and all you have to do is talk to AI and tell it exactly what you want. It is going to help you build this so that you can utilize it as a real tool. It is so cool, some of the stuff that you can do when it comes to AI. So that is playing the corporate game to prepare.

I hope that that section should be very helpful for a lot of you guys, especially if you're in the corporate world. If you're on job sites, you're working construction. If you are someone who is working on your feet all day long, a lot of this can still apply to you specifically if you feel as though AI is at risk to your job. But if you are also working that white collar job, you must, this is a must.

You must be doing this, playing the corporate game to prepare. So it's very, very important that you do this. Now, let's jump into a break, and then we're gonna talk about the jobs that are safer than others and some of the tools that you need to be doing and some of the use cases for AI next. All right, so I'm gonna talk about a few jobs that are safer than others right now.

At the time we're recording this. Now, this could shift, you know, over time because no job is 100% safe. It never has been, and some are just more AI proof than others and some are more resilient than others on this ladder. And so I'm going to go through the highest safety 1st and then the highest risk towards the end of this section as we move through this so that you can get an idea of exactly who should be thinking about some of this stuff.

So first, who is the highest safety? Who has the highest safety overall? One, I think folks like therapists and mental health counselors, that's a given where a lot of those folks are going to be needed even more so as the surge of AI is happening, things like skilled tradespeople. So if you are an electrician, you are one of gonna be 1 of the highest demand folks out there.

In fact, I think that's gonna be 1 of the highest paying jobs out there. Folks like plumbers or HVAC technicians, those are fantastic jobs to have right now. And if you own some of those companies and even better overall job to have why data centers are getting built like crazy, housing is beginning built like crazy and they're those things are needed left and right.

And so for you specifically, you are in a very good position if you're a tradesperson, surgeons and complex medical requests. Now there have been a lot of folks that have come out and said, oh, surgery is now going to happen with AI and robots and that may happen over the course of the next decade or two or three. But right now at this point in time, we do not see that happening.

And so that's something where they are in a good spot. Trial lawyers, this is a great one. So attorneys, there's been a couple of things that have come up as of late when it comes to the AI infrastructure. For one, someone utilized AI to read through a contract and do a $2,000,000 negotiation as of recent. And what happened in that situation is that that AI model actually missed a bunch of really key things that they should have had in this contract.

And guess what happened? If that happened with an attorney, you could go back and sue the attorney. But if that happens with an AI model, you have to go back and sue the AI company, which is a much more difficult thing to do. And so this causes a huge rift out there. But in addition, there are now states that are working towards New York as the first one that get this proposed.

But there are states that are now proposing bills and laws where AI in their state cannot give any legal advice whatsoever. And so that is a very big key that I think for trial lawyers and attorneys, you may not have to worry as much as you originally thought you did. I don't think they're going to have to worry as much as they do things like executive coaches or leadership consultants.

I think those are great and they're they're safe entrepreneurs and founders. It's going to come down to who owns things versus who's doesn't own things in some different arenas. And so having ownership of a company or business is a very important thing as we move forward here. There's also things like high level sales, so enterprise sales or relationship based sales.

Those aren't going anywhere either. You need to make sure that you have those in place. And then clergy and spiritual leaders, obviously those are going to be safe as well. Now, medium high safety. So these are going to be folks who are creative and strategic. I think you have medium to high safety in some of these areas. So brand strategists or AI trainers and prompt engineers, I think those are going to be still very, very powerful investigative journalists.

That's something you definitely want to make sure that you are having on hand. Complex financial advisors I think are always going to be needed. They're always going to have their place. And educators who teach critical thinking, All of those are going to be high safety, medium safety. So evolving fast, but we're going to see what happens here.

Things like software engineers, we don't know what's going to happen, but a lot of software engineers can still code a lot faster or at least connect all the dots than some folks who are have not had experience in software before. Marketers, those who adopt AI will thrive. Those who do not adopt AI will be the ones that struggle.

And I think this is where for all of these different industries that we're going to talk about here in a second, you really need to adopt AI. Graphic designers, same exact thing. We have designers on our team who are now adopting AI and getting stuff done way, way faster. And so that's been very helpful. Or folks like out there, there's a lot of content creators out there or people with real audiences and personal brands.

They may have medium safety. If if you develop a relationship with your audience, if you don't, then you're going to have a bigger problem on hand. Now, what are the high risk jobs? These are the jobs with the highest risk that I think you need to act now if you have not already done so. Data entry clerks, there's a lot of people who do data entry, whether you're in the medical field, whether you're in the financial field or accounting field, there's a lot of data entry jobs that are out there, entry level jobs.

And if you are in those fields, you need to act faster than you are right now. Paralegals doing routine document review. So we just talked about lawyers are OK, but paralegals do a lot of routine document review, review what's in the document, create summaries, do a lot of other information as well.

Obviously they do the first pass on some of these documents. That's going to be very, very important to make sure that you are thinking through what you want to do next. Basic customer service reps So customer service has been something that a lot of companies have implemented, whether it is answering phone calls, AI can now do that and it can respond very well and it has the information.

It is always kind, it is always patient. So that is 1. Even text message marketing is another big one that we have seen across the board where a lot of AI companies are doing that kind of stuff. Junior copywriters, if you're a copywriter, writing can be done as a junior copywriter on something like Claude, for example, which is one of the best writers that is out there.

Things like bookkeeping, there's another big one. If you are a bookkeeper doing routine reconciliation, that is something that is going to be replaced by AI pretty quickly. AI is already reading imaging, so things like radiologists, that's an area where you really want to make sure that you are thinking through this a little bit because AI can already do this at very high accuracy levels.

Basic financial analysts doing Excel modelling. I have built some really cool Excel models by using AI as of late, and I do it in less than a minute or two and AI does it for me. And so those are the types of jobs that really need to make sure that they are thinking through what they want to do next, because a lot of times we're not going to need those anymore.

You can tell AI what you want, you can give it the data you want, and it will be able to build out some complex Excel models really, really fast. So those are some of the high risk jobs. And I think for those of you out there who are in some of these high risk jobs, you need to make sure that you are acting fast and learning AI for free.

Now, where can you learn AI for free? We're going to talk about that next in Part 5. All right, where can you learn about AI for free 'cause I keep talking about, OK, we need to learn AI, we need to have an understanding about AI, but where can you actually learn about this for free? Well, there's a bunch of really awesome places that you can learn for free and you can actually get certifications that you can put on your resume that are going to help you tremendously.

And I would show these to your bosses once you go through these certifications 'cause they can be very, very helpful. Number one is Perplexity's AI Academy. Perplexity has launched free structured courses on AI fundamentals and a bunch of other things. The number 2 is Anthropic's AI Academy. This is one of my favorite ones.

It has 13 different AI courses where you can get certifications. So Anthropic is the parent company of Claude. So if you go to anthropic.com/learn, you're going to be able to find some of these free courses that they have. So first, they have Claude One O 1. If you are brand new to AI and that infrastructure, I would highly recommend looking at Claude One O 1 one.

They also have clod code in action if you want to see what you can build with clod and some of the cool stuff that you can have. They also have build with clod. So developing some clod powered applications that you can use and they have clod for work and clod for personal. All of these are really, really good stuff where you can learn in each and every single one of these to make sure that you can connect and figure out ways for this to go to go forward.

So if you were like, I have no idea what to build, just start going through some of this stuff and ideas are going to start to happen for you. Now, if you are someone who use a lot of Microsoft, if your company uses a lot of Microsoft tools, Microsoft has AI Skills Navigator that can help you. If you have a lot of Google tools, there's Google's AI Essentials and they have a lot of really cool stuff when it comes to certifications as well.

YouTube channels, there's, there's a lot of YouTube channels out there with AI explainers. And honestly, you can ask a lot of the AI tools themselves like Claude or ChatGPT or Perplexity to explain some of this stuff to you 'cause I think that's very, very helpful. Now, there's also some paid ways to do this.

There's paid but low cost ways. So Deeplearning dot AI has some short courses. Coursera's AI specializations can help you specialize in a specific area. And LinkedIn Learning also has added some AI infrastructure in there that I think is really, really cool. If you're looking for some ongoing learning, I would make sure that I am thinking through some ways where you can understand, hey, what is getting released.

I have found that x.com or which used to be Twitter and Threads have both had some really great follows on AI news and AI infrastructure that can really help you just stay up to date. So there's a lot of really great follows on there that if you start to search for AI and what is happening with Claude especially, I get so many different Claude updates because Claude is updating so fast right now.

That is really, really helpful. Greg Eisenberg is someone who is great out there if you want to build some tools. And I'm going to try to get him on the podcast so that we can talk through some ideas of building businesses with AI in that infrastructure because I think it is a very, very powerful way to to go about this. So put together an AI learning plan, put together exactly what you want to do.

If you don't know where to start, I would start with anthropics tools. I would start go to Anthropic dot com slash learn and you will see all these different things and all these different ways to get started. And you can start with Claude one O 1 and go in that order. And I think that's going to help you dramatically when you get the ball rolling. So highly recommend starting at that point and using some of those free tools.

And then if you need to go advanced or you need to pay for some tools, the more power to you. It's worth spending some money on this because I think that's going to help you moving forward. Now, before we wrap this episode up, I'm going to give you some rapid fire use cases that I want you to think through and ways that you can start to use AI. So which AI models do I use?

I use all of them right now. So I use Gemini for a lot of research stuff. I used Gemini recently to fix a toilet that I was about to call a plumber for for $300. And in fact, I went and did some research on Gemini. I showed it what was happening and it showed me this very small micro little part that I would have never found in my toilet that was giving an issue and the reason why it wasn't flushing and doing some other things that I was able to save myself $300 just by utilizing Gemini for that kind of stuff.

I used Notebook LLM, which is part of Gemini for researching, for diving deep into specific topics that I want to learn. So for example, there were some big topics that I wanted to learn when it came to understanding exercise science and some things behind that. And so Notebook LLM is great, which is part of Gemini in there.

When it comes to images, I also like Nano Banana, which is part of Gemini's to generate some images. And if you want to do some fun stuff, send it to your friends or just do some cover pages with images. I think that's a great place to start. So that's how I use Gemini. Then there's Clawd. Clawd I use for all sorts of different things.

In fact, we are building tools with Clawd. We are building software with Clawd. We are using Clawd as something that helps us build out strategy. We are using Clawd that helps us with our other businesses as well and building out some really cool stuff. So Clawd is what I use the most and Clawd is my go to. If you go to one right now, in the time I'm recording this, Clawd is the best overall in my opinion.

It used to be ChatGPT in 2024 and 25 live. Now it's clawed. Clawed is my number one that I go to ChatGPT. I barely use anymore. It is outdated right now at this current point in time that I'm recording this and hopefully they kind of can improve certain things, but right now it's it's outdated.

Clawed is also used for coding. So I do a lot of vibe coding now and clawed. It helps me with coding and I do most of my coding in clawed. When I do deep research, what do I use? I use perplexity. Perplexity is a a spot where I do a lot of deep research. I do a lot of stock analysis, ETF index fund analysis inside of perplexity.

That is a great place to do research. I also research a lot of stats and papers. Some of the stats that we had at the top of this show are from perplexity when we do some deep dives on some of those statistics. So when I want to pull in some research, I will use perplexity for that because it can really do some deep dives on the Internet and help with some of that research now.

And here's one of the best tools that you're gonna you're gonna use ever. OK, There's a tool that I use instead of typing. I don't really type that much anymore. And the reason why I don't type anymore is I use a tool called Whisper flow. Whisper Flow is a tool that you can push a button and speak into it. You can also use it on your phone.

So I don't really text anymore either. And you can have it hear what you're saying. It'll format exactly what you're saying into the order that you want it to so that you can utilize that to send off an e-mail or send AI use it a lot for e-mail, Slack messages, and for utilizing within text messaging.

So those are the three areas that I use Whisper Flow where you don't have to type anymore. Honestly, 2026, it is my favorite tool overall, to be honest of all these. And when you are giving a complex prompt to your language learning model, I also use Whisper Flow for that where I just speak for a very long time on exactly what I want to talk about or what I want it to do.

And it actually gives it way more details than I ever would if I was typing. So Whisper Flow by far is one of my favorite AI tools and I've been using it for a little over a year and a half now and I think it is the best overall. Now use cases that you should be using for career professionals, using AI to research companies or prepare for job interviews or writing and editing emails, I think it's very important if you want to make sure your emails are all professional, utilizing AI with that is very important.

Summarizing long documents that you don't have time to get into reports or contracts. You can do this in seconds or building better LinkedIn content or whatever else. If you are trying to network for your career professions for finance and money, there's a lot of ways to use AI with it. I have found a lot of the money stuff thus far has not been as accurate as I wanted it to be.

And so there's a lot of things that we're working on. I'm going to build out some prompts for you guys that you can use for that, for learning and skill building. You can use it as a personal tutor. I love when people do this, when they prompt it correctly. You can have AI quiz you on certain topics. You can get feedback on your writing or your presentations from AI and it can give you honest feedback.

Don't use ChatGPT for honest feedback because it just agrees with everything. Use something like Claude because I think it's very important learning to code with 0 background. I have learned literally how to code over the course of the last couple of months just from utilizing Claude and asking Claude a bunch of questions. Now for side hustles or businesses, you can come up with ideas to generate income.

You can write drafts of social posts for your business on Claude or something else. You can build simple websites and landing pages. You can things like Manus AI to build simple websites or landing pages. You can also use a tool like Lovable that can help you with this. You can automate repetitive work flows using tools like Zapier or Claude Co work, which I think is one of the most powerful tools that are out there.

And there are just so many different things and so many implementations that you can have and you can build out customized things for yourself or your company that I think can help you dramatically moving forward. So we're going to have some episodes coming out. We talk about the AI use cases in terms of building out businesses with AII want to do one of the five side hustles that could turn into a full time income episodes on AI.

We're going to have a lot more conversations about this because we need to stay up to date. And your money depends on it. Your finances depend on this. And so this is something that we will continue to talk about moving forward. So if you enjoyed this episode or you're using AI for a bunch of things within your work, I want you to comment down below, Let us know how you're using AI.

Let us know the ways that you're using it, and let us know where you want to be with AI in the next year because now is a great time. This is the time to learn it. This is the time to understand it, and this is the time to shift your entire understanding moving forward. I'm not saying this to scare you. I'm saying this to motivate you because you could be the person in your company, but now is the time.

Listen, thank you so much for listening to this episode. If you want more help from me, you can join Master Money Academy. Master Money Academy is where we give you the step by step plan to figure out how to build your financial freedom plan, meaning you don't have to work anymore.

But the faster Money Academy is where we do that. And if you get stuck on any of the steps that we give you, I am there to help you every single step of the way. So thank you guys so much for being here. We're gonna link up Master Money Academy down below in the show notes and we will see ya on the next episode.