Boomers retiring, rising healthcare costs, and longer life expectancies, and we face serious economic challenges. In this new world of artificial intelligence, there will be three types of people:
Those displaced by robots. Those controlled by robots. Those enhanced by robots.
To survive and thrive, we must choose the third category. We need to master the things only humans can do—building trust, creating relationships, and communicating effectively—while using AI as a tool to strengthen our human advantage. When I began my career in 1984, I could not have foreseen the impact that government policy, Wall Street, the Federal Reserve, and financial institutions would have on families—or how rapidly technology and demographics would reshape the American household. The financial noise from media pundits and uninformed advisors has created confusion, and far too many families are paying the price. I know this because I once believed that with the right knowledge and technology, an advisor could time the stock market. I was trained by some of the brightest minds in the industry to use cycles and strategies to enter and exit the market at the “right time.” It didn’t work. Since 2002, I’ve completely changed how I protect my clients’ retirement savings. The strategies I use today look nothing like the ones I once depended on. But this book is not only about money. It is about life—and the valleys that most of us have, or will, walk through. My Personal Story On October 6, 2014, tragedy struck my family. My granddaughter, whom we had helped raise, was murdered by her suicidal husband, leaving behind a three-month-old baby boy. My wife and I endured fifteen long months of legal battles, spending over $21,000 to adopt our great-
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