Here are Todd’s latest fun picks to take your financial skills to the next level...

Happy New Year!

I've avoided sharing AI resources with you until something truly interesting crossed my desk

We've all seen the predictions. Yes, it will be a big deal. No secret.

The first order effects are fairly predictable, but the 2nd, 3rd, and 4th order effects can't even be imagined.

This will be historic... dare I say, "epochal change."

The early stages of closing access to our formerly open internet started last year as a few large firms shut down API access to protect their data.

That would have been unthinkable just two years ago.

But all the free content and resources you've come to expect on the internet only exist for human eyeballs. Nobody wants to be training fodder for bots.

As copyright law gets steamrolled, incentives for creative work get undermined.

I'm paying close attention to my personal psychology, which usually moves ahead of the crowd.

I've noticed myself returning to deeper values - what's truly important - resulting in a far more selective application of technology.

I believe AI is "crossing the Rubicon" going too far, too fast. It's literally violating humanity.

I believe one likely human response will be to remove technology from the pedestal of high throne and lower it to the status of a tool.

Today's first resource provides a rare and valuable perspective. It advocates applying the lessons learned from the failure of AI in social media before it's too late.

And today's second resource talks about leading an intentional life with technology dethroned to it's rightful position as a mere tool.

The third resource is a highly technical article on advanced investment risk management principles.

We've got a little something for everyone to kick off your New Year as we enter our third year of epochal change.

Enjoy!

The AI Dilemma - Aza Raskin & Tristan Harris on the Joe Rogan podcast - Spotify

Social media could have been saved if we got the incentives right at the beginning. Instead, we allowed optimization for engagement, and it resulted in a race to the bottom as it harnessed the worst in humanity. It's too late now for social media, but we have a narrow window of time remaining to set intelligent incentives for AI. Can we learn from the failures of the past? If we allow tech companies to pursue an all-out rush to be first at all costs, what might be the outcome? This interview is both sobering and insightful.

It's Time To Dismantle The Technology - The New Yorker article

Cal Newport has a proven track record for unusual insight into technology and business trends. He's showing you the road less traveled, and that could make all the difference.

Diversification Is A Negative Price Lunch  - OutcastBeta.Com article

"The conventional way to estimate forward looking expected geometric returns by extrapolating realized long-term market return without taking diversification premium differences into account is simply wrong." If that quote doesn't make you salivate, then you're not a card-carrying investment risk management geek! And here's how to apply my recommended solution to manage your investment risk and pursue positive expected returns through the crazy market changes coming our way.

Take Action Now So You Can Grow Your Wealth During Epochal Change:

1. This investment software solution includes two of Todd's top investment systems. You'll learn the smart, proven way to manage portfolio risk during epochal change. Once you understand it, you'll wonder why you tolerated the unmanaged risk in your  old "buy and hold" investment strategy.

2. My Expectancy Wealth Planning group coaching program shows you how to maximize the expected growth of your wealth in every market condition regardless of epochal change. My students were prospering during the good times, and they're still prospering during this adversity. Join this smart community of active wealth builders to secure your financial future.