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Episode 265

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Published on:

21st Jan 2025

Artificial Intelligence: Boosting Innovation or Killing Careers?

In this episode of The Higher Standard, Chris and Saied embark on a laugh-out-loud journey into the brave new world of artificial intelligence, quantum computing, and why you might want to rethink your TikTok algorithm. From discussing how AI is turning banks into crystal ball-wielding financial wizards to debating whether robots will steal your job (spoiler: they’re coming for the lawyers first), it’s a rollercoaster of insight and hilarity. Oh, and if you think your browsing history is private, think again. AI is watching, and it knows you binge-watched that prison cooking channel.

➡️ But wait, there’s more! Dive into the existential crises caused by quantum computing tapping into other dimensions (yes, really) and the terrifying potential of AI deciding which car accident is “best” for your family. If that doesn’t keep you up at night, maybe the realization that your digital assistant knows your buying habits better than you do will. Tune in for all this, plus shocking revelations about how AI is creating, saving, and possibly obliterating jobs across industries. And remember, your data is the product, folks—don’t let the chatbots tell you otherwise!

💥 Have you left your "honest ⭐️⭐️⭐️⭐️⭐️" review?

👕 THS MERCH: http://www.thspod.com

🧊 Get 12% off any purchase at Ice Barrel (Excludes chillers)

🔗 Resources:

Sizing the prize: What’s the real value of AI for your business and how can you capitalize? (PWC)

AI in Banking – An Analysis of America’s 7 Top Banks (Emerj)

The Scientist vs. the Machine (The Atlantic)

Artificial Intelligence and the Future of Work: Mapping the Ethical Issues (Springer: The Journal of Ethics)

AI is already taking video game illustrators’ jobs in China (Rest of World)

⚠️ Disclaimer: Please note that the content shared on this show is solely for entertainment purposes and should not be considered legal or investment advice or attributed to any company. The views and opinions expressed are personal and not reflective of any entity. We do not guarantee the accuracy or completeness of the information provided, and listeners are urged to seek professional advice before making any legal or financial decisions. By listening to The Higher Standard podcast you agree to these terms, and the show, its hosts and employees are not liable for any consequences arising from your use of the content.

Transcript
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Go.

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I have.

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I.

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I know there's gonna be a coffee episode already, so.

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God damn.

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God damn.

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Did you get your drink?

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Yeah, I got my drink.

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Your purple drink.

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I got my perps.

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How much would it cost for you to try a purple drink?

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Like, the real purple drink?

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What do you mean?

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As opposed to the fake purple drink?

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I guess it's a valid point.

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So you're talking about how much would it cost for me to try an illegal drug slash soda cocktail.

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So I said purple drink.

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You do realize this show goes out on a public platform.

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We haven't started.

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We haven't started yet.

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We're not.

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We're not including any of this.

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Oh, I'm including all of it.

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That's happening.

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I gotta tell you, I don't really like the idea of any type of drug that makes me slur.

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You know what I mean?

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Like, if you get, like, slurry and sloppy, like, that's not a good drug, is it?

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That doesn't make you slur, does it?

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I'm pretty sure it's like a painkiller.

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And like.

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I mean, Lil Wayne uses it to perform every concert.

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They don't.

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Okay, wow.

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All right.

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Case in point.

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I mean, he does always kind of sound.

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Why was that so good?

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Little Do.

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You know, I do Little Wayne impersonations at night.

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That's what you do, too.

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Well, welcome back to the number one financial literacy podcast in the world, which.

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Some of you might be saying, hey, how could that be?

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Well, there's only two.

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Right?

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And this is the one.

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Yeah.

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Right.

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I think there is more than.

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There are more than two.

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There has to be.

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Yeah, I just.

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We have.

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Pretty sure we're the only ones.

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You know, we have beefs with some of them, but we do.

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Graham, Stefan, I'm talking to you.

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Okay.

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And I'm going to call it.

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I'm going to say it.

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Spade of spade.

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Yeah, I'm not.

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Earn your leisure.

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I'm not a fan.

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I don't get the draw.

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I don't understand the draw.

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Fit and fresh either.

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Like, those guys.

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I don't get that either.

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Are they a financial literacy box?

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I mean, it's all like, dabble culture.

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Yeah, they dabble.

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They dip their toe in the pond.

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Yeah.

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Yeah.

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But it's a lot of like.

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Oh, yeah, I've seen them.

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Oh, you got to create an LLC to do this.

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Yeah.

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And, I mean, the guy.

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Myron, the guy who runs it, he seems like a smart guy, but he seems very clickbaity in pop culture.

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But they have a following, you Know.

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I mean, whatever people look at.

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Whatever people look at him as a trusted source.

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Yeah.

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I mean, again, smart guy, trustworthy.

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I don't know, you know, but I look at so many of these influencers, though, and I'm like, y'all are just all liars.

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Yeah.

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They don't have the credentials to back it up.

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None of them.

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And the worst part about it is that's the reason they can say the stuff that they say.

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Because they don't got a board or shareholders or investors or real clients.

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Everything they say is designed to sell a course to you about things they have not done.

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That's crazy.

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It is crazy.

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We forgot to mention, sitting next to me on my left is my partner in crime, Chris Nahibi.

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Sitting next to me on my right, my partner in time, the one and only.

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The man, the myth, the legend.

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The man is probably gonna live longer than me.

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According to recent studies, where short people live about three years on average.

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Longer than tall people.

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There you go.

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Not saying that you're short, and I'm not saying that I'm tall.

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Shorter.

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I'm just saying that there's a disparity here.

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There is a disparity.

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Inflation has affected you more than me.

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The one and only side, Omar.

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Thank you, my man.

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And nobody's sitting behind the ones and twos.

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Nope.

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Doesn't belong there.

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Nobody.

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Nobody.

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Matter of fact, this is now a two person hosted podcast.

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Show Two.

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Yeah.

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Is he ever going to make a guest appearance?

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He has to.

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He's never.

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He's never said a word to me about the show.

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We're going to.

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Nothing.

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Yeah, because I think he misses it.

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He feels bad.

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I don't think that.

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That.

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That's what that is.

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No, I do.

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I think it's.

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He hates us.

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No, he doesn't.

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I'm pretty sure he does.

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So tonight we have a special episode for everybody.

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One that I'm sure people have been waiting for us to touch on.

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Really?

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Yeah.

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I wasn't so sure when we put together.

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I'm not gonna lie.

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No, no.

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So I was.

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I have been deep into the AI space as of late, and I'm not talking like, oh, I use chat GPT a lot, bro.

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Right.

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You know, I'm talking.

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I've gone deep down, all the way down to the path of.

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For those of you don't know, AI takes a lot of power.

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Not only is it a technology from a chip standpoint, but it takes a lot of power to run these systems.

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Right.

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So much so that the major manufacturers of this product to the market are trying to find ways to provide themselves the energy.

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And one of the ways they're looking to do this is by building nuclear power plants.

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Like Google, for example.

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Nuclear power plants.

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So I went down this mental rabbit hole of like, oh, my God, like, this technology could, in theory, I mean, we've all seen Terminator, right?

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Skynet goes live.

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But it could be so dynamic and impactful to the way we do things.

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And if the early adoption is Indian indicator, everybody that I know uses some type of AI generative model to be more productive.

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Yeah, right, Absolutely.

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And I can tell you firsthand experience, I use it for a lot of the things that I do research on.

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I use it for a lot of things that I write on.

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In essence, it's like the world's greatest assistant.

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And then you just check what your assistant did for you and then you put it out.

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I personally use it for a lot of things that I want to brainstorm on.

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Okay, yeah.

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Great example.

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Yeah.

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Great place for like a launching pad, if you will.

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Right.

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To get you to think about all the moving parts.

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Yeah.

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100% accurate.

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I've used it for things like finding the best price on products.

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I've used it for, you know, checking my own knowledge when it comes to construction stuff, like, because we're building out the new studio space.

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And I've been thinking about how I want to do this.

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I literally said, I want to do X, Y and Z.

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I want to put new flooring in or take the walls out.

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I want to raise the ceiling.

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I want to put a glass wall in.

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What should I do first?

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In what order is the most logical and reasonable?

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And what do you think would be the best way to approach this?

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Right.

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What things should I be considering?

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Yeah.

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The skill of prompting is an underrated skill.

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Knowing how and what to ask and how to refine what you're asking to get a more concise answer from a model like that is.

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Is really valuable.

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But therein lies the AI conundrum.

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Right.

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Some of us, in the years to come, will adapt, will evolve, and learn that the new job skills requires you to be a bit different than you are today.

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Exactly.

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Some of us could, in theory, be very much displaced by AI.

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And there are people who are very much doomsdayers.

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There are people who are very much embracive.

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But you and I were discussing this.

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We thought a show where we talked about AI and its implications to you as an individual in the workforce, how it could affect your job.

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Currently, where we stand today, where we.

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Start Today and where it's going from a very cerebral place.

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So we're actually going to sound a lot smarter to a lot of you than we normally do.

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I know we normally sound like idiots.

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I know you're not used to it, right?

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Yeah, we are equally not used to it.

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Right.

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So we're gonna have to read because obviously we didn't take the time to memorize anything because we're morons.

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Yeah.

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So the question, the theme of the show is really about will this be boosting innovation or will this be killing careers?

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Right.

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Yeah.

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So let's dive right into it.

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lion to the global economy by:

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That's a huge number.

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That is a huge number.

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So how that gets broken out is 6.6 trillion coming from increased productivity and 9.1 trillion from enhanced consumer experiences.

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So obviously a lot of people are using it.

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They're using it to be more efficient, which we're going to talk about later in the show on what industries are likely to be impacted the most.

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And I got to tell you, there were some of them that I think were pretty obvious and some that weren't.

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We're going to talk about how we as consumers are going to be impacted by it.

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How is it going to enrich our lives?

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Not necessarily benefiting how we do our jobs, but the benefit to our lives as a response to this being out there.

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But there's also a deep concern for the psychological ramifications of AI.

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Really?

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How so?

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Well, think about social media as the vehicle with which we have now adapted to it's piece of technology that we have an infinite scroll loop and we can get lost in it.

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It changed the way our kids think about success and wealth.

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They think about, you know, their image.

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Kids can now get bullied 24 hours a day, seven days a week vis a vis their social media channels.

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Right.

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And if to piggyback off the psychological point you were making, I was actually having this conversation earlier today about how you can really get lost in confirmation bias with social media.

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Oh, 100%, you can now reach people.

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Whereas before, if you, you thought something that was maybe, you know, a little bit too far left or right or a little bit too, you know, wild, you would probably keep it to yourself because you didn't have a peer group around you that maybe shared those same thoughts.

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Now you can go out of your way to go find these people.

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It's Even worse.

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Yeah.

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Social media's algorithm distills your human mind down to what you like and what you don't like based on how long you're looking at an image, how many times you've seen it, how often you click on profiles and look at things it's building whether you like it or not.

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An algorithm based around your mindset.

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Yeah.

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And it's catering to it.

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So if you have even an underlying deep seated psychological preference towards looking at someone's IKEA furniture, it's going to show you more IKEA furniture.

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Right.

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It's going to find your tribe and define it for you before you even consciously realize what you're doing.

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It might be simple.

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I like cars.

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Show me more cars.

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But if you look at some people's feeds, you can get a lot more than that.

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So a classic thing I see with dudes, right, is you'll look at their feed when they pull it up and you can quickly tell a lot about what their interests are by just scrolling through what comes up in their recommended feed.

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My wife and I, we play this game all the time.

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Oh, it's a dangerous game.

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Is it?

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Is it?

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It can be.

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So, yeah.

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You see one gym come up and.

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You don't deal boy, don't take my advice and start playing with this game with your girl or your husband right out the gate.

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But we do this all the time, like, like once a week at least, where we say, let's see what the algo algorithm is.

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And she'll show me, I'll show you.

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What's the wildest thing in your algorithm right now?

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The wildest thing.

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What's the wildest thing that you see consistently in your algorithm?

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Okay, the wildest thing that I would be embarrassed of if like the wrong person side is I have a really, really dark sense of humor.

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So I was like, I, I can't share some of, some of these jokes.

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I can't even say it on the podcast here because is bad.

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It's.

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It's really, really bad.

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This is what goes with you and I share to each other all the time.

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Yes, exactly.

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The ones, the ones that I.

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Oh, you're literally probably one of the only people I shared with.

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I send those all to you, bro.

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The algorithm pops up.

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It's like, send this to S.

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I'm like, no, I know mine.

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I'll tell you.

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It's like if the algorithm knows, you should be connecting with Saeed right now.

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Say hello to Saeed.

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There's lots of, lots of Diddy.

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Lots of lots, lots of Jordan, LeBron.

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References, a lot of Lucy K.

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Those are his.

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It's so bad.

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Classic comedy, you can't do anymore, right?

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One of my guilty pleasures on social media is jailhouse cooking.

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Like, prison chefs.

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That's good.

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That's good.

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I don't know why.

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Like, I love seeing how these guys in prison put together meals.

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Right, right.

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Yeah.

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Like, yeah, they're creative.

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Like, I'm just.

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I'm impressed.

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Like, y'all make better food in prisons than I do at home.

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And I got utensils and stuff.

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You know what I mean?

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I know, but.

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All right, so let's get into the AI debate a little bit.

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So I started this whole, like, road trip with a report from PwC, PricewaterhouseCoopers.

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According to PwC, AI's impact will come from increased productivity, product innovation, and consumer demand.

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Industries such as health care, automotive and financial services are leading the change in adoption, driving GDP growth worldwide.

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And this should be concerning from a financial perspective for a number of reasons.

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We've had technological booms historically.

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he fintech bubble bursting in:

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Everybody's like, oh, my God, all this technology is propping up the market.

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But there was a lot to be said for not getting a lot of value out of the technology that the market expected from the fintech bubble burst.

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Whereas I can make a pretty compelling case that you're going to get the value out of AI.

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Now, where I think it's being overhyped are a lot of companies are using it for things like chatbots.

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Let's be honest, you and me, you log into your bank account, Wells Fargo pops up.

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Hey, I'm Fargo.

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I'm the AI chatbot.

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What's up?

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Yeah.

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Your first reaction is, fuck off.

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Yeah, I don't need you, Fargo.

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Right?

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Yeah, yeah, right.

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I mean, it's true.

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But I will say this.

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I recently used one of these AI chat bots.

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I can't.

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I'm trying to remember for what product it was for, but for whatever reason, this was literally my first time using a chatbot on a website.

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And for some reason, I felt more comfortable personally it being an AI chatbot versus another person on the other side responding back to me.

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Yeah, it does give you a little more comfort that it's like somebody like, in a foreign country.

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Like, I know that a sales coming.

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I know that the whole purpose behind this chatbot is just to gather information, which is true.

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I want to give my Just be contacted so that when the person contacts me, they already have it all.

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And Shout out to all my Filipinos out there.

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But, like, nothing's weirder.

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When you call someone, they're like, hello, sir, ma'am.

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You know, like, it's.

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It's like, it's just awkward because your.

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English is good enough, but clearly your.

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Comprehension'S from a different country.

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And I get it.

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You got a second language.

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Good for you.

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Shout out to you.

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But there's always this little bit of, like, awkwardness, like, are you from a different country?

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Yes.

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Are you just.

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Are you from here?

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And so many companies do it that it's now just acceptable.

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Right.

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And what was fraud and scamming?

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Like, no disrespect to anybody, like, you don't know.

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Makes me.

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Yeah.

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You just don't know.

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I feel a whole hell of a lot more comfortable with the chat bot that I can see functioning from, you know, them.

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Exactly.

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Right.

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Plus, I know that, that they're not gonna inadvertently say something to do something I'm not supposed to say, you know?

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Right.

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Or quickly turn this into like a 30, 45 minute conversation.

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Them trying to upsell me on something.

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It was like, I know you're just gathering information so that somebody else can contact me.

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Let's not do that.

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Let's not do the high ticket sale, bro.

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Right?

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You don't.

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You know how.

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I'm a hot ticket closer.

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God, so obnoxious.

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It is so obnoxious.

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I literally saw an ad today.

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This is the truth.

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Okay?

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Guy walks in, closed the door on his Lambo, walks in his office, which, by the way, is not his office, it's somebody else's office.

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Says, I'm a high ticket closer.

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You know, blah, blah, blah.

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We can teach you how to do this.

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There's a girl in the background that just happens to be there.

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Hey, how many deals you close your first month?

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She says 13 goes into the guy who happens to be in the background.

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Hey, you don't believe me?

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How many?

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20, bro.

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Close 20.

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My first month, they're high ticket closing a course on how to high ticket close.

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That's how this works.

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Yeah.

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And that's the ad.

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And in the ad, they pulled out the girl who looked attractive.

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The dude who looked attractive.

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Doesn't matter what side of the fence you're on.

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The guy had a neck tattoo in the center of his neck.

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How are you going to trust that?

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I mean, instant credibility loss.

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Yeah.

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Side of your neck, gangster.

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Center of your neck.

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Questionable.

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Very, very, you know, Exactly.

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That's a good point, though.

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I don't make these rules.

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Right.

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The side of the neck has now entered its way into the culture where it's like, okay, it's a thing.

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Maybe I watch a lot of jail cooking.

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Like I know front of the neck is a little bit aggressive.

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It's aggressive like it used to be like thigh tattoos were too much.

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Now those are becoming a little more mainstream.

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Right, right.

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But front of the neck, you're still saying something.

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Front of the neck is just as bad as on the face.

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Right.

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I mean, equally as bad.

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It depends.

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There is an elegant way to do face tattoos and then there's lefty gunplay.

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The level of commitment.

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I don't think I'm committed to anything that much unless it's like my wife and my kids.

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But like you question, you put that.

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In, I know it's going to come.

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Up in the future.

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Play that clip later on.

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Yeah.

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All right.

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% higher in:

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The equivalent of the aforementioned additional 15.7 trillion that Saeed mentioned at the top of the show, making it the biggest commercial opportunity in today's fast changing economy.

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And you might be saying, Chris, that's all well and good.

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What the hell does that have to do with me?

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Yeah, well, the greatest gains from my AI according to this PwC study, which I should probably give the name out of it here, it says sizing the prize.

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What's the real value of AI for your business?

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And how can you capitalize all rap lyrics?

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Yeah, PwC is getting sneaky.

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I know what you're doing.

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I know what you're doing.

:

they're going to boost up to:

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Why?

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We've outsourced a lot of our manufacturing to China and you're going to find that AI is a fantastic vertical for improving the efficiency of manufacturing.

:

Yeah.

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You have robots that are already in most these places.

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Any type of repetitive task, right?

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Yeah.

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Well, not only, not only that, but a task that once required several robots, you can now probably do with one.

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Yeah.

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You know, so the efficiencies from not only a cost perspective, but just a production, you know, result are pretty impactful.

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But you can also get AI to, to look at orders coming in, make the orders, adjust your input output.

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I mean there's just controlling the robots in and of itself doesn't really need AI.

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And definitely the ability for the AI robots to pick up on pattern recognitions.

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Within the Business and then how to improve from there.

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Hey, I can make you more efficient by doing this.

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Right.

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So North America, not to say that it's.

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It's subpar.

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They're going about a 14% boost.

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So a little bit less, a little bit more than half of what China's going to get.

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The biggest sector gains will be in retail, financial services and health care as AI increases productivity, product quality, and consumption.

:

AI in retail is a fascinating case study.

:

Yeah.

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So a long time ago, they already had this in place where a lot of your major retailers like Target, are using AI with facial recognition and your mobile phone.

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So if you download some of their apps, some of, some of their apps will actually connect to the store when you walk in.

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And Amazon and a couple of people tested this out, where as soon as you walk in, you just grab something.

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It recognizes your face, recognizes your phone, charges your account.

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You just walk out.

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You don't have to go charge anything.

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No scanning UPC codes.

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It knows what you picked.

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It's good.

:

Right?

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So the next level up is you walk in the store and you walk by something.

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Instead of just seeing a general ad, AI will know what you scroll through on your phone, what you like.

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Chris, you love seeing people make food in prison.

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Here's a.

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Here's the.

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Here's the aisle that's going to have you that same prison recipe of foods that you were looking at earlier.

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You can make.

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Here's the ramen, which is a little scary.

:

Right.

:

Because there's a time and place for everything.

:

And you want to make sure that.

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Because I'm very careful personally with my algorithm on social media.

:

Yeah.

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Privacy is a fallacy.

:

Now, I know people want the idea of privacy, but the idea of privacy that our grandparents had versus today is gone.

:

It's not even amount.

:

It's not even about the privacy.

:

So let's just take your jail food house example, right?

:

Like, I, I'm someone that if like an AI tool were to tell me and remind me of something like that, I would get easily distracted.

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Oh, yeah, let me go see what's going on.

:

And like, I don't want to be distracted.

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You get it?

:

Like, that's my.

:

That, that, that's always been.

:

But you consciously don't want to be distracted.

:

The whole point of all of this is making you want to buy things without you consciously realizing it.

:

Yeah, I know.

:

That's their goal.

:

Right?

:

So, like, for me, I would, I would be very careful with how much of that I let into my life.

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But you're not going to have a choice.

:

Yeah, that's the sc.

:

That's.

:

And that's what I'm afraid of.

:

That's the part that's scary.

:

Like, let's say you have no social media, you don't download an app.

:

But I'm going to pick on Target here because I know they're using some of this technology.

:

You walk into a Target, Target goes, okay.

:

Every time Saeed Omar comes here, whether you use your credit card or not, they go, this guy's face, he buys X, Y and Z.

:

He goes into these aisles.

:

He goes into these aisles.

:

He has a tendency by this side.

:

Omar loves phage F.

:

The yogurt.

:

Right, right.

:

That's his thing.

:

So you walk in the store, you pass by what would otherwise be a static sign.

:

Well, now it's a digital sign and it's saying, hey, have you had your F today?

:

Because it knows, you know, and then it's going to point to the aisle and say, you see, I know I've.

:

Had, so I've had conversations with friends about this now with, you know, all the marketing that's going on all the time.

:

There's so much marketing taking place.

:

Forget like you're the billboards and everything that you see from back in the day.

:

I always question, like, is this a decision that I truly made because I want this, or has it been, have I been manipulated somehow, some way with some marketing campaign?

:

It's, and it's, it's hard to boil it down.

:

So I, I try very, very hard on like bigger decisions to take recommendations from friends or go back to experiences that I personally have, you know, had good success with.

:

But with this now, I think it's going to be virtually impossible to tell whether is it a true, natural thought or was AI taking the wheel?

:

Yep.

:

So I want to go through some definitions here because as we get into some of these things with AI, there's going to be some differences.

:

So I'm going to cover some of the definitions first and I'm going to put them up between you and I on the screen here.

:

So if anybody's watching this, you'll have a list here.

:

There's a couple different ways to look at it.

:

I'm just going to take the basic glossary approach for the main areas of AI.

:

You've got large scale machine learning.

:

It's a design of, it's a design of learning algorithms as well as scaling existing algorithms to work with extremely large data sets.

:

Right.

:

Simple, clear, think, chat, GPT.

:

Right.

:

It can now work in Excel.

:

It's really fascinating.

:

It's growing very fast.

:

You're on ChatGPT 4.0 and I mean some of the stuff you can do from just a generative model perspective.

:

Fascinating.

:

I've used ChatGPT for Excel on so many occasions to help me write formulas and it comes out perfect every time.

:

And now it can actually work in Excel.

:

So you can say, hey, do this in Excel and give me this chart.

:

So imagine working in Excel and literally not having to actually know the formulas anymore, just asking for what you want.

:

There's also deep learning AI models which the model is composed of inputs such as images or audio and several hidden layers of sub models that serve as input for the next layer and ultimately an output or activation function.

:

So think of more complex tasks creating a video which does X, Y and Z.

:

Specifically right now, some of this stuff is not as sharp as it could be.

:

There are better models than some for generating things like images and some of the deeper results.

:

But certainly the deep learning stuff is going to give you the segue to really AGI, which is artificial general intelligence.

:

What they expect to happen in:

:

5.

:

Think of this as like a free thinking independent entity, if you will.

:

Wow.

:

Right?

:

There's natural language processing algorithms that process human languages input and convert it into understandable representations.

:

There's collaborative systems models and algorithms that help develop autonomous systems that can work collaboratively with other systems and with humans.

:

There's computer vision, image analysis, there's algorithmic game theory.

:

There's soft robotics where robotic process automation.

:

Excuse me, all of these, all of these will coalesce into AGI at one point.

:

Artificial general intelligence, which is essentially a self aware machine capable of doing all of these things right on its own.

:

So let me, let me, let me ask you this question now.

:

From a society standpoint, okay.

:

I know you got, you got to remove yourself from this equation.

:

It's really hard to do.

:

You're a little, you operate a little bit differently than the average Joe.

:

Okay, I'm going to reserve my offendedness.

:

Yeah.

:

Until such time as you make because I know you, you're, you're always of the mindset of continue to learn.

:

It's always good to learn.

:

Obviously.

:

Don't become too reliant on anything.

:

I want the dopamine.

:

When we went, when we, when the Internet was, you know, first became big and we were, people started using MapQuest and all these other, what was the, what was the other big one that people were using?

:

They weren't using the Thomas Guide anymore, for instance, right.

:

Okay.

:

I remember my parents would have me print them out directions.

:

Oh, I remember that too.

:

Yeah.

:

And I would literally have to write it out really big for them and they would take it with them.

:

Yeah.

:

And then as time went on, they would need directions everywhere.

:

They would stop remembering using that part of their brain.

:

Are you the guy gets in your car and always uses your gps?

:

Me?

:

Not always.

:

No, not if I know where I'm going.

:

I will almost always use my GPS even if I know where I'm going, because I know that it's going to understand the traffic better than I will.

:

Okay.

:

I mean, there's that too.

:

But the routes that I take home, I already know the routes that have less traffic.

:

So maybe that's the reason why I don't use it.

:

But now take that same example and take it a step further.

:

Now, with iPhones and everyone having everyone's phone numbers.

:

I don't know anybody's phone numbers.

:

My wife.

:

Okay, right.

:

And there's an argument to be made that okay, you don't need to know it anymore, move on.

:

Right, right.

:

But the question now becomes it reduces the amount that people are actually critically thinking and that serves as a huge problem for me.

:

I feel like for the majority of people it's going to hurt them more because they're just going to become more reliant on it.

:

Well, look at creative writing.

:

Look at writing right now for me and I'll be honest with you, I used to have to sit there, look at a screen and think about what I want to say, articulate wordcraft, you know, put something together, refine it.

:

And now I say, hey, hey, you know, chatgpt, if I'm using that particular model, I want to say this, this and this, this is who I am.

:

These are the circumstances.

:

Give me something, it gives me something.

:

And then I will then refine a pre drafted script.

:

Now this is not uncommon.

:

I mean, presidents use script writers.

:

They'll refine it to sound more like them.

:

They'll put in their own quotation comments here and there.

:

So this is a very common methodology now it's available to the masses.

:

It makes me concerned too with people potentially.

:

Why?

:

People using this, people using this to help them potentially make big decisions that could possibly alter the ethics behind it.

:

Well, and there's an entire subset of what we're gonna talk about tonight about the ethics around this.

:

There are questionable ethics here.

:

Right.

:

And that's my concern.

:

Especially if plagiarism to is almost nonsensical at this point.

:

Yeah, that's True.

:

I mean, yeah, especially, but especially if you're using a AI trained model that was trained by some engineers.

:

Right.

:

That could literally have a lot of bias built in.

:

Yeah, yeah.

:

And so think about this in the comments.

:

You got to be careful, right?

:

I mean, I, I do a lot.

:

Of writing for a lot of the media, for example.

:

Right.

:

And everybody I write with now and I send us off a response I know is going to run it through an AI model detection and they're going to say, oh, hey, Chris, this came up as, you know, 3%, 10%, 100%.

:

I.

:

Right.

:

I can't use it.

:

I remember you've been flagged for like 5%.

:

And the 5% that was flagged was the definition.

:

What was definition?

:

And the other one was an article that quoted me.

:

So, yeah, it's like you got to let a certain percentage of it go, especially if you can factor and you can see where it's coming from.

:

And some journalists are more willing to say, okay, I can see how that's quoting you and bringing up an article to quote you.

:

And they'll say, well, I want original content.

:

I don't want you to quote yourself in somebody else's narrative, which I kind of get.

:

But at the same time I don't.

:

Because if I'm giving somebody valuable advice and that advice is still consistent, then there shouldn't be any problem saying the same thing to different outlets.

:

But they want quote, original material.

:

But this is where I look at AI and I think to myself, like, I could easily say, let's just say I'm not a subject matter on leprechauns.

:

I'm not a subject matter expert, okay?

:

And somebody said, hey, Chris, I need a subject matter expert on leprechauns.

:

What do you know?

:

And I go, I know everything.

:

They go, okay, great, send me a quote about fun facts about leprechauns.

:

I could go to ChatGPT, type in fun facts about leprechauns.

:

Give me a narrative.

:

I'm pitching this to cnbc and I want to be a subject matter expert.

:

I want to sound like I'm knowledgeable in the field.

:

Do it.

:

They'll send it to me.

:

I refine it, run it through an AI humanizer, which is a thing to make it past generative AI models, send it off, and guess what?

:

Now somebody who probably doesn't know my credentials.

:

So this is where I say, okay, what's the value in quoting people anymore?

:

Right?

:

I mean, we're getting to the point where there's an inflection point of all these.

:

These humans that we keep referencing in their experience are going to pale in comparison to the knowledge and sophistication of aggressive.

:

Once you get to AGI and artificial, general intelligence can say, hey, let me make your life better.

:

There's a dual edged sword there.

:

It's going to think critically on its own and make decisions and suggestions for improvement on its own at a cadence we as humans cannot keep up with.

:

I guess the fear too would be, is it going to give me an answer or a solution to my problem based on my needs and what I'm trying to accomplish?

:

Or let's just say, if it's for business, the company's needs.

:

Well, there's a valid question there.

:

But essentially we are outdated giant bags of water.

:

That's what we are, right?

:

And this silicone based life form, we are carbon based life forms.

:

The silicone based life form is the next evolution of a species that we have not, we've not taken seriously thus far.

:

And the most, most people are just like, oh, how can I.

:

How can I write faster?

:

Yeah.

:

And what we don't realize we're doing is every single time you query something, not only are you teaching the model about you and what you do, but you're teaching the model about humanity and how humanity thinks.

:

Right?

:

And they're aggregating data about all of us at all times.

:

So is Instagram, so is every social media platform.

:

And you better believe the FBI, the CIA, everybody's plugged into this.

:

They are building models of who we are.

:

Which is why I say if you think that you have privacy, you are lying to yourself.

:

Your mobile phone is tracked, your queries are tracked.

:

Everybody's building a model.

:

Every dollar, you know, every dollar you spend, invest in.

:

Why do you think, why do you think Robinhood allows for free trading?

:

Yeah, they're selling your information, bro.

:

Yeah, they, they.

:

You are the product, bro.

:

Shout out to my guy Vlad, though.

:

Yeah, we love Vlad.

:

Yeah, we love Robinhood.

:

Bijou, bro, you've been missing dog.

:

That's a whole different conversation.

:

So I have some sector information from PwC.

:

I just want to cover it really quickly.

:

So they ran down all of this, but I think that there's some pretty.

:

Impactful, very trusted source.

:

Yeah, I mean, they're an accounting firm.

:

They're pretty rational.

:

So there's a couple of sectors here that are impacted.

:

Right.

:

And they really went by percentage of adoption and AI in their industry.

:

Near term being 0 to 3 years, mid maturity or mid term maturity is 3 to 7 years and then 7 years plus.

:

Right.

:

So according to PwC, they think 37% of healthcare will have near term adoption of AI.

:

That's a lot.

:

That's a lot.

:

I did, I did read about this too, and I wanted to get your take on it.

:

So apparently it's supposed to allow for doctors to be able to find, you know, solutions or figure out what symptoms you have a lot faster.

:

Well, combining that with, most of us are wearing some type of biometric based tracker.

:

Yes.

:

Right.

:

So if you've got an Apple watch on, it's tracking your heart rate, it's tracking your activities, it could track your oxygen levels.

:

Yes.

:

Most of most people track their sleep.

:

You have your phone in your pocket, so it's tracking steps.

:

So again, going back to this, nothing is private anymore.

:

You combine AI with some of these things and keep so also, I do a lot of lab work all the time.

:

Blood work.

:

My blood work feeds into Apple Health now.

:

Love that.

:

So now all of my health data, including my weight, I'm a little chunky.

:

All my stuff's there.

:

You're not.

:

I know, I know.

:

It's the old me talking.

:

I said big cheeks, dog.

:

Big cheeks.

:

You used to.

:

I still do.

:

I still got big cheeks.

:

I just covered with a beard.

:

And here's the beauty of it.

:

I look like a fat man with my face.

:

If you see me on camera, you're like, bro, he's not like, what?

:

You see me at the gym, you're like, wait a minute, what happened?

:

Who's this guy?

:

What?

:

Yeah, it's not mad.

:

The math ain't math.

:

Yeah, they don't match.

:

I know.

:

I got a fat person's face.

:

Yeah, you got the toes out tonight too.

:

I didn't want to wear, like, so confident.

:

No, I'm wearing Crocs tonight.

:

Mortal sin.

:

Because I, I, we had to do some construction.

:

That, that makes no sense.

:

It does.

:

I didn't want to do some construction.

:

I don't got steel toe boots, dude.

:

Yeah, you should get some.

:

So instead I got open toe Crocs.

:

You're distracting me from the show.

:

All right, I'm only going to cover the near term adoption.

:

Automotive, 35% in years zero through three.

:

Financial services, 41% in years zero through three.

:

Transportation, logistics, 41% adoption.

:

And here's where it gets interesting.

:

Technology, 47% adoption.

:

So not much better for technology relative to things like financial services.

:

54% adoption in retail, 39% in energy, and 14% in manufacturing.

:

What's really interesting Is of all of these, in the midterm years three through seven, almost everybody falls off or has a slight incremental increase.

:

But manufacturing goes from the next three years, 14% adoption to seven years, 83% adoption in manufacturing.

:

Wow.

:

That's why China has such a huge GDP Booth, is because they do so much manufacturing.

:

This is going to be a huge lift to what they're doing.

:

But let's, let's keep going.

:

Let's talk about the revolutionary aspects of AI.

:

Let's do it.

:

Now that we've set the nice little warm temperature for you to dip your toes into.

:

Right.

:

Okay.

:

That was a little appetizer lapper tiff.

:

So AI powered chat bots and fraud detection and banking is one example of boosting efficiency.

:

We're going to cover some of these examples fast.

:

Yeah.

:

How is it, how's it going to be able to do that to, you know, to detect fraud?

:

So AI in banking was a study that looked at JPMorgan Chase, Wells Fargo, bank of America, Citibank, US Bank, PNC and Bank of NY Mellon.

:

Okay, okay.

:

So banks like JP Morgan Chase and Bank of America are saving millions annually.

:

By automating customer interactions and fraud detection.

:

AI tools can analyze patterns across thousands of transactions in seconds, identifying anomalies that human teams might miss.

:

In researching these seven firms, chatbots and conversational interfaces emerge as the most current trends that seem to be inspiring enthusiasm and excitement in the banking world.

:

I've seen some other things on the horizon which we can talk about here shortly.

:

That said, conversational interfaces, I.e.

:

chatbots, make up roughly 13.5% of the AI vendor product offerings in banking.

:

Less than we would expect given that they make up nearly 39% of AI use cases across top 100 banks.

:

More broadly, customer facing functions, customer service, wealth management, marketing and sales made up only 25% of total AI vendor product offerings and banking.

:

In contrast, risk related functions like fraud, cybersecurity compliance, risk management and financing and loans made up 56%.

:

That would make more sense.

:

And it makes a lot of sense.

:

I have seen something so cool on the horizon.

:

So imagine you call in to a bank and this, this bank, I'm not going to name any names.

:

Brilliant.

:

They have a human answer on the phone still.

:

But when you call in their entire dashboard, on you is an interface built in AI.

:

It's going to scan your accounts literally in seconds.

:

Right.

:

By the time you verify your account, they have a full breakdown of your spending habits, whether you qualify for a line of credit, how much of a Line of credit.

:

You should get what you could possibly use a line of credit or need one for.

:

Hey, I've seen you doing a lot of home improvement recently at Lowe's.

:

Would you be interested in a line?

:

I mean they can break down all of your spending habits.

:

They know if you tend to go certain places and buy because all of it's on your, on your credit card charge, your ATM charges when you call.

:

So they are finding a way to literally know exactly what to sell you when you call.

:

Oh yeah, I could see that working great.

:

And what's even more cool is, is I saw an example and this is probably an extreme case which is not meant for everybody where they had said, they showed up an example where they said, hey, this guy's calling in and he's paying.

:

This is what his payments are.

:

You could tell him right away that you could save him payments dollars every single month by going with this home equity line of credit product or this line of credit product and consolidating his debt.

:

And he doesn't have to submit anything to you.

:

You already have it all.

:

I already have it all.

:

I know what you're paying on debt payments to everybody else.

:

It's like having a pre approval.

:

It's, it's, it's an instant pre approval and they know your needs so they don't have to speculate or talk you through it.

:

They know exactly what you need.

:

And daddy's here for you, right?

:

So daddy's here for you.

:

Yeah.

:

It's fascinating.

:

There's also a driving innovation, AI, accelerating drug discovery in health care.

:

This one very close to me.

:

You know how much I love the drugs.

:

We're not going to say them.

:

Lil Wayne said, you're a little bit voice the whole time.

:

We already got flagged the Atlantic science machine, the Peptides.

:

So according to the Atlantic, this the scientist versus the machine.

:

AI models like AlphaFold have reduced the time needed to predict protein structures from months to hours, revolutionizing fields like pharmacology and biotech.

:

Wow.

:

People have long worried about robots automating the jobs of truck drivers and restaurant servers.

:

After all folks, from the invention of the cotton gin to the washing machine, we're used to an economy where technology transforms low wage jobs and physically arduous work.

:

But that isn't how AI is going to work for us.

:

The past few years have shown that highly educated white collar workers should be the ones bracing for artificial intelligence to fundamentally transform their, and I should probably say our professional lives here.

:

The angst that this spurred from all Corners of white collar America has been intense.

:

And notwithstanding merit, okay.

:

There's reasons why people should feel this way.

:

If you're a lawyer, for example, I don't know how valuable you're going to be in the future.

:

It's a little scary.

:

Do you really need somebody arguing your argument for you when you can say, hey, here's the facts.

:

Argue.

:

Give me the best case.

:

I mean, we are literally.

:

But that's the problem.

:

But there's a problem there, right?

:

If somebody's hiring an attorney, they almost want to bend.

:

Bend the truth a little bit.

:

There's some sleaze balls out there.

:

Wow.

:

You just.

:

You just went for everybody's a D bag.

:

You didn't want.

:

You want to go.

:

I said there are some sleaze balls out there.

:

Right?

:

They don't want.

:

They don't want you to just operate off just the facts, then the truth a little bit.

:

We're at.

:

We're at a really important time, an inflection point, where I think that you'll be able to tell AGI, Artificial General intelligence.

:

Hey, argue my point on this.

:

Even if you got to be a little unethical.

:

Kind of makes a good case to replace a judge, though.

:

Yeah.

:

No, even, even.

:

Even better.

:

Right?

:

You take the bias completely out of it.

:

Yeah, right.

:

These are.

:

These are the facts, bro.

:

Don't even get me started on unbiased.

:

Like.

:

And I've been in some litigation.

:

Let me tell you where some of these judges, you look at them and you're like.

:

When you just said to me, yeah.

:

You know what you're doing right now?

:

You look at some of them, you're just seething mad.

:

Yeah.

:

They're on their power trips.

:

I did not say that.

:

Said in a court of law.

:

That's Saeed almost.

:

I'm low level, bro.

:

You don't have to.

:

I got enough litigation.

:

I got nothing, bro.

:

I got enough litigation.

:

When this comes up, they're gonna take a sound bite.

:

I'm not playing that game with you.

:

Yeah, yeah.

:

All right.

:

So America has been.

:

This scrutiny has been important, but AI the potential to take over much of our creative life and the risks to humanity are well documented.

:

Material science is an area of research where we can see the direct applications of scientific innovation.

:

Material scientists, right?

:

Where the ones who developed graphene, thus transforming numerous products ranging from batteries to desalination filters and photovoltaic structures that have enhanced solar panel efficiency, driving down the steep decline in renewable energy costs.

:

These are all really cool inventions.

:

Right?

:

Well, there are also countless More applications in fields such as medicine and industrial manufacturing, where AI is already coming up with better inventions and faster inventions than we as humans have done.

:

You know what's one area that really stands out right now that I'm thinking about it, given what we have been dealing with the last several weeks.

:

Porn.

:

Christopher.

:

I was just trying to figure out.

:

What you're talking about, Christopher.

:

And there's your flag, in case we had it yet.

:

LA wildfires.

:

Oh, I did not think you go there.

:

I feel like.

:

I feel like the budget was mishandled.

:

A little bit illogical.

:

Yeah, a little illogical.

:

Understanding that you knew that fires were on the horizon and to cut the budget for the fire department by 20 some odd million dollars.

:

I mean, I could see a world where you could use AI to create a budget that would efficiently be used for your local governments.

:

That would make a lot of sense.

:

I could go off on a diatribe now about the aging out of politicians.

:

It takes a.

:

It takes a weird person to want to be a politician.

:

Yeah.

:

And I'm not saying it's weird and bad.

:

I'm just saying you got to be different to want to be a politician.

:

Like, no, like you got to be different to want to be an actor or an actress.

:

Yeah, totally different.

:

And I don't know that.

:

That a lot of them have the subject matter expertise they would otherwise need in order to do something.

:

If you're a politician and you've got a career background in some type of business, that doesn't mean that you understand fire infrastructure.

:

You know, that doesn't mean you understand how to deal with a homeless population.

:

It might mean you ought to understand it like how to balance a budget or you're an attorney.

:

But we are looking at these things like people should understand.

:

And this is where I look at AI and go, I can be a very valuable tool.

:

But people are going to be super scared of the idea of I'm not handing over my rights and my civil liberties to a machine.

:

I mean.

:

And that's where the fear of who trained the AI.

:

Right.

:

Comes into play.

:

Yeah.

:

So new discoveries in this field and others like it, speaking of the material sciences field, have the potential to transform human life, making us happier, healthier and richer.

:

Which I'm all for.

:

Peptides, baby and another flag.

:

And when scientists at this company were required to integrate an AI assistant in generating new ideas, they became more productive, discovering 44% more new materials.

:

Because AI was there to facilitate.

:

Right.

:

Quoting directly from the Atlantic here, I think a big takeaway from economic growth models is that the, in the long run, really, productivity is the key driver of improvements in living standards and in health.

:

So I think that all the big improvements in living standards we've seen over the last 250 years or so really are driven fundamentally by improvements in productivity.

:

And those come really from advances in science and innovation driving new technologies.

:

I remember I watched an interview from you Remember there's a gentleman that you met at the school, Yale School of Management, that was, he was talking about where we got to a certain level of computing.

:

Oh, Brown.

:

Brown, yeah.

:

What's his name?

:

Jim Brown, I think that's what I thought it was.

:

Jim Brown.

:

Yeah.

:

And he, honestly.

:

So he looks like, like, almost like a Mormon with like this big white beard.

:

Yeah.

:

And sweetheart of a man.

:

Right.

:

And I didn't realize sitting in class with him that he was kind of like the foremost expert on quantum computing and.

:

Quantum computing.

:

Right.

:

And this is in:

:

And he gave us like this lecture as a student in the class with us on tech.

:

And then I later on watched him on some pretty really well respected podcasts where he was just breaking down AGI and quantum computing.

:

Look where we are now.

:

Oh, he, he was so far ahead of the curve.

:

So, yeah, this is back then.

:

I remember, I remember watching one of his interviews and kind of being blown away and he said, you know, this idea of us living with, with traffic, you know, 50 years from now will just go away because all the cars will be talking with one another and everything people will be just more efficient driving on the road.

:

Have you ever seen the study out of Japan where they tried to model how we, how we have traffic and why?

:

And it was a fascinating way of doing it and it really showed how it works.

:

No, no, no.

:

So in Japan, they had everybody drive in this big circle.

:

They had this 30,000 foot elevation view of everybody driving the circle.

:

And they told everybody to drive at a certain speed and no more, no less.

:

And everybody driving in a circle, in theory, should be totally fine.

:

Once you get some cadence and some speed and you get going, there should be no traffic because everybody's driving the same, yet everybody congregated together and slowed down and then sped up and then slowed down.

:

And there was every, every side of the circle at some point in time had a slowdown.

:

And it's the humanity that causes this.

:

There's inconsistencies in the way we all drive and respond, even when all the rules are exactly the same.

:

Right.

:

You're not changing lanes.

:

It was a fascinating study, but it goes to show you that you will always have traffic with humanity at the wheel.

:

Yeah, exactly.

:

Now that'll be one problem that'll just go away one day.

:

No different than.

:

I know this is going to sound crazy in a reach, but this is what was brought up in the interviews.

:

Like, no different than back in the day.

:

There was a problem with literally horseshit on the road.

:

This was a problem that they were dealing with and they're like.

:

With the innovation of cars that just went away.

:

That problem just went away.

:

You know why?

:

Men typically walked on the inside of the road and I'm sorry, on the outside of the road.

:

And women walking the inside of the road.

:

I still do that to this day, by the way.

:

I do it too.

:

But the reason why is originally in London, you used to go to the bathroom in a pot, right?

:

You would literally shit in a pot.

:

And then people.

:

It was not uncommon for people to empty their pot out their window, but because there were awnings and eaves, if the women walked on the inside towards next to the building, they would be under the eaves.

:

And it was a man who risked getting shit on from flying above.

:

Just no, like, appreciation for this, bro.

:

What is, what's going on?

:

You were literally risking salmonella to protect your wife every time.

:

Every time.

:

Can you believe that?

:

I mean, obviously there's cars in the road, but back then, the cars weren't going fast enough for that to be a real threat.

:

Right?

:

So, oh, my God, it's coming at me.

:

It'll be here in 10 minutes to hit me.

:

You know, it wasn't the same thing.

:

So just really quick back to that interview with Brown.

:

The part that scared me the most from the interview I remember, like having to pause and really, like think this through was the AI and the quantum computing will reach a level so advanced that when the cars are talking to one another, it will literally decide if you're about to get into an accident, which accident is better for you and your family or for an overall outcome to where perhaps nobody dies.

:

Oh, it's going to come up with an instant judgment and that's going to be.

:

That'll be it, right?

:

Irrefutable.

:

Yeah.

:

And then the question, the follow up question was great.

:

What if both ways somebody dies?

:

Yeah.

:

How does the AI decide then?

:

And I literally had to pause it and think to myself, God damn, bro.

:

You can easily see a world where you could be the AI whoever trains the AI, right?

:

Because even Brown said to Himself or he answered the question with.

:

You got to let the AI decide at that point.

:

Yeah, right.

:

I mean, there's.

:

At some level you have to put it in AI's hands.

:

But you can see how, depending on who trained the AI, what if this person paid more tax dollars than this person in an accident?

:

Could that be taken into account?

:

This person is 70 years old.

:

This person is 20 years old.

:

A lot more time in the workforce.

:

I bet a million dollars that gets taken into account.

:

That's a real.

:

It has to.

:

Yeah.

:

Like there's.

:

I'm, I'm not only.

:

I'm not choosing between life anymore.

:

I'm now choosing over who has the greatest probability.

:

There's no.

:

Can you imagine if there's no empathy?

:

There's no empathy in that.

:

What if it went into your biometrics instantly and goes, okay, say it has a higher probability of cholesterol issues.

:

It's person, same age.

:

Doesn't.

:

This person's got a longevity.

:

I'm gonna save this person and kill Said.

:

Yeah.

:

And this person produces way more tax revenue.

:

I think about this a lot when I think about you, you know, for me.

:

But that should scare everybody a little bit.

:

And to give everybody an idea of how far does that make you feel, though?

:

Honestly, it doesn't scare me as much as.

:

It's just, it's an unavoidable destination at this point.

:

We are so far down this path that we cannot avoid this conclusion.

:

So I'm not going to fight it from a moral and ethical basis.

:

It does give me a little bit of anxiety thinking how different things are right now.

:

You get home, you turn on the tv, you, you, you pick some shows that you want to watch.

:

You're already at the point where it goes, hey, similar to what you watched here.

:

What do you think AI is going to do?

:

Bitch, you're watching this.

:

I know you want to watch it.

:

Yeah.

:

You know what I mean?

:

So I say this again in a comedic way, but I mean it.

:

Yeah.

:

And it's going to burn when it's right.

:

It's going to burn on the truck.

:

I don't want to watch people throwing midgets that much.

:

I mean, I won't go watch this for five minutes.

:

Wolf of Wall Street.

:

He's referencing Wolf of Wall Street.

:

That's what it is.

:

It's asinine because it's not true.

:

Yeah, exactly.

:

Yeah, right.

:

But so to give everybody an idea of how far we've come, when Mr.

:

Brown had this conversation with us in the class, the smallest Supercomputer was the size of a football field and it was underground.

:

For listeners out there that don't know what's a supercomputer.

:

Basically it had the ability to compute things faster than anything else.

:

And I'm watering it down, right?

:

The most complex situation, complex problem.

:

And it was the most complicated, fastest computer we had.

:

Size of a football field.

:

Now you've got quantum computers that NASA and Google are joint building and sharing.

:

I think there's three of them.

:

They have, they're about the size of a refrigerator.

:

Excuse me, about two of them.

:

Do you like side by side refrigerators?

:

These things look like they're straight out of like interstellar, sorry, hairball.

:

And they, they can do things.

:

All of your encryption that you think is keeping you safe, all of your codes.

:

Right, gone.

:

It can.

:

I mean it.

:

I do yourself a favor.

:

Well, maybe we should do a quantum computing episode at some point in time because it's, it's stunning the things that it can do.

:

And here's a part that I'll just leave as like low hanging fruit we can talk about on a later episode.

:

Okay.

:

They don't fully understand how it works when it's working today.

:

Because computers are traditionally binary ones and zeros.

:

And without getting into the detailed nuances of what they are, the quantum computer can work in a world where it can be one, it can be zero, or it can be both.

:

They don't fully understand it to the level that we should.

:

And they've come up with a conclusion that it may be tapping into another dimension.

:

Now, so stop.

:

I swear to God, like the conclusion.

:

The scientists got it.

:

You know what?

:

Fuck it, Tim.

:

I think it's.

:

I think it's tapping into a different dimension.

:

And I know it sounds like sarcasm is almost like DC Universe, Marvel comic stuff.

:

Like coincidence that all these UFO sightings are coming up now.

:

I've got a whole litany of explanations there, but suffice it to say that quantum computing combined with AI, it's a scary phenomenon.

:

And now it's not a race to get a quantum computer.

:

We have those, those are there and they're privatized like Google has them.

:

So Google says, okay, how do we power this thing?

:

With AI, you build a nuclear power plant.

:

These tech companies, you look at Elon Musk and say, Elon Musk runs all these things.

:

I'll give you a great example of how AI is going to change the world in a meaningful way.

:

That's not next year.

:

It's like tomorrow.

:

Elon Musk to A lesser degree, Jeff Bezos.

:

They own the distribution network of privatized satellites vis a vis SpaceX and blue or Blue Origin.

:

Right.

:

And Elon Musk has the ability to move satellites around the globe.

:

And I don't know if you've seen how many satellites SpaceX has in space, but when you look at it as they circle the Earth, and there's a graphic on this I think you can get on SpaceX's website, it is stunning how many satellites they have up there.

:

Okay.

:

There's an entire grid surrounding the world.

:

Wow.

:

And he can move them around.

:

Right now, we use mobile cell sites.

:

Basically, cell towers amplify signals to your phone.

:

But we already have the ability to do things like satellite calls from an iPhone 16, an iPhone 17, whatever the hell it is, out.

:

Now you already have satellite text messaging from phones.

:

At some point in time, all these cell sites are going to be obsolete.

:

AT&T Verizon, you're gone.

:

And SpaceX is going to be able to offer mobile service anywhere in the world.

:

And let's say you go to.

:

I mean, it's kind of frustrating that it's not.

:

We're not there now already.

:

No, we are there.

:

You should be.

:

But you're going to have satellite coverage anywhere you go.

:

Meaning instead of you going, oh, my God, I'm over an ocean, I can't watch anything.

:

Nope, you can do that now.

:

Yeah.

:

You don't need a cell site in the ocean.

:

You got a satellite above.

:

Oh, sorry, honey, I'm.

:

I'm passing that part of the hill where I lose reception.

:

Not anymore.

:

Right.

:

And here's the.

:

Here's the crazy thing.

:

You know how you go to certain venues and there's so many people there you can't use your phone.

:

Right.

:

What does Elon do?

:

He just shoves in some more satellites there.

:

And then he used AI to constantly flow with where people are at.

:

Right.

:

Because they can.

:

It can literally predict demand natural disaster.

:

Power goes out.

:

Guess what?

:

Cell phone towers are gone.

:

Satellites are still Gucci.

:

Gucci, man.

:

You can still stream your Spotify.

:

You know what I mean?

:

Power might be out, but you can still throw the party.

:

Yeah.

:

I'm just saying, like, these things are real, right?

:

Right.

:

Like we have real, real life changes coming in a way.

:

And these things are happening at a much faster cadence.

:

I mean, cell phones are relatively new technology.

:

When I was a kid, just having a cell phone meant you sold drugs.

:

I remember my parents did not let me have a beeper because they, wow.

:

You just dated the hell out of yourself.

:

Said beeper.

:

Yeah, Most kids are like, what is that?

:

Is this beep or something?

:

What does that do?

:

Low key.

:

Still kind of cool.

:

Yeah.

:

143 dog.

:

143 dog.

:

People are like, what does that mean?

:

I don't even know why.

:

That means I love you.

:

I.

:

I want what?

:

143.

:

Why does it mean that?

:

One for I, four for love.

:

L, O, V, E.

:

Four letters.

:

U, Y, O, U, three.

:

One, four, three.

:

I did not know that.

:

Get there faster, bro.

:

Wow, look at you.

:

Pop culture icon.

:

Arun.

:

Suck it.

:

Got you, bro.

:

I looked over to the booth like he was there too.

:

Wait, I should have paused for saying a man like this.

:

Wait, is this how it feels like to be you all the time or you just know the answer?

:

I should have taken that in for.

:

I should have taken that in for a little bit.

:

Yeah.

:

All the hair on your arm standing up.

:

If I had hair, mine would be the same.

:

Exactly.

:

So I want to run over some job creation in tech.

:

I'm going to do this super fast.

:

This is from a Springer Ethical Implications of AI article.

:

As AI adoption expands, the demand for skilled workers in data science, AI engineering and ethics oversight continues to grow.

:

We need people to say, hey, does this make sense from a Sox control perspective?

:

If you don't, that is.

:

Sarbanes, Oxley, look it up.

:

The U.S.

:

rease in data related jobs by:

:

And I got some examples.

:

Oh, give me.

:

I'm here to give examples.

:

Okay.

:

You know, there's.

:

There's a lot that AI can do from.

:

From a job creation perspective, but I think.

:

Well, I think I got the list for you.

:

Hit me with it.

:

You don't seem very enthusiastic.

:

Can you try that again?

:

Hit me with it.

:

Okay, so on the ethical importance of meaningful work.

:

Meaningful work is ethically significant as it provides an important way to develop and exercise one's rational capacities and use them in ways that help others to meet their needs.

:

There's also a dual impact.

:

There's skill development and use on surveillance in work autonomy.

:

The use of AI to surveil workers will likely have similar impacts as traditional surveillance and can be a way for employers to use their power to exert control over their employees.

:

That's scary.

:

Now I don't.

:

I don't have to go.

:

Hey, you know, honestly, I've seen Saeed kind of around a little bit like, God, he just doesn't seem like he's efficient.

:

Now, AI will tell you, Saeed is 31% less efficient than Joseph.

:

Yeah, all those end of the year assessments are just going out the window.

:

Yeah, I don't need the assessment.

:

Yeah, AI is going to do it for me.

:

Hey Saeed, AI says you've been watching YouTube too much, right?

:

It's true.

:

On task significance, when AI amplifies a worker's abilities to do their current tasks, positive impacts on task integrity and skill cultivation and use should effectively.

:

These things are net benefits.

:

But it's going to change people on AI and equity.

:

AI can also be deployed to promote justice.

:

That is the judge example you referenced earlier.

:

Which can positively impact task significance.

:

For example, when AI is used to minimize bias and maximize evidence based decision making through giving workers access to new data driven insights.

:

This promotes fair outcomes in the tech sector.

:

On practical implications for organizations.

:

This one's interesting.

:

Organizational use of AI can reap many benefits through improved service range and quality, efficiency, even profitability.

:

However, the ethical deployment of AI requires weighing up its many costs and benefits.

:

So.

:

Okay, I wonder if.

:

Okay, the example of the judge again, let's just revisit this for a second.

:

Okay, so let's say you have a lawsuit, cases present their sides and you have AI of passing judgment.

:

I can see a world where, let's just say the judgment has to be passed by multiple AI models.

:

Can't just rely on the one.

:

Kind of like your three arbitrator panel.

:

Yes, exactly.

:

I could see that actually working a little bit better just to make sure that the outcome comes out the same.

:

Or if not, there's a majority.

:

Right.

:

Because in case one gets trained one way versus the other.

:

I recently found out, listening to the Joe Rogan.

:

Joe Rogan.

:

Joe Rogan podcast.

:

Who's that?

:

Yeah, Mr.

:

Joe Rogan to you, sir.

:

Yeah, Mr.

:

Joseph Rogan.

:

Yeah, Mr.

:

Joseph, exactly.

:

That he was saying how.

:

I guess he's.

:

He used to be a huge like billiards player.

:

Right.

:

Pool guy.

:

And these professionals that like play for money, they'll play 120 game matches.

:

I'm sorry, 120 games?

:

Yeah.

:

To find out who's the true better player.

:

Yeah.

:

Because anybody.

:

Any.

:

So it takes multiple days.

:

Yeah.

:

Right.

:

Because he's like any person.

:

Like for instance, like if you and I did a three point shooting contest, you might beat me once just out of luck.

:

But if out of 120 games I'm gonna win a majority of them, you.

:

Can'T use bad examples where nobody believes you.

:

I mean that, that's not true.

:

You see.

:

So it's like.

:

Okay, so you have Three.

:

A three panel AI model where it's got to be the majority.

:

Yeah, Like Minority Report.

:

There you go.

:

Yeah, you got your three future.

:

Seeing people in a little jelly bath.

:

Yeah.

:

Just kind of chilling.

:

Look at you.

:

Yeah, see, I'm here.

:

I know people thinking, oh my God, guys, that's amazing, you guys.

:

All these positive gummies and lollies about AI.

:

But there are threats.

:

Oh, and I know that people think of China as like a third world country, but there's some.

:

There's some pretty sophisticated jobs in China.

:

Especially when you pass by the Tesla store now you see this robot staring at you.

:

You're like, God damn, please buy me.

:

I'm like, bro, it's.

:

This guy's gonna come for me first.

:

He's gonna look at me like, this guy's weak.

:

I got him.

:

Yeah, you are obsolete.

:

So I went on the path of reading about a particular freelance freelance illustrator named Amber Yu in China.

:

So there are some threats posed by AI, and I'm gonna give you one of the most obvious examples of it.

:

Generative AI tools like Mid Journey, if you haven't used it, it can create astonishing videos.

:

Are reducing the illustrators, particularly in sectors like gaming.

:

This trend is expected to spread globally, raising concerns about creative jobs becoming obsolete.

:

Freelance illustrator Amber Yu used to make 3,000 to 7,000 won yuan yuan.

:

That sounds fun.

:

Yeah.

:

$430.

:

Approximately thousand US dollars.

:

I looked it up for every video game poster she drew.

:

Making the promotional posters published on social media to attract players and introduce new features was skill intensive and time consuming.

:

Once she spent an entire week completing one illustration for a woman dressed in traditional Chinese attire performing a lion dance, as in like the cat meow.

:

First making a sketch on Adobe Photoshop, then carefully refining the outlines and adding colors.

:

since February of last year,:

:

You told rest of world, which is the article I sourced here.

:

Gaming companies equipped with AI image generators can create a similar illustration in seconds.

:

You said they now simply offer to commission her for small fixes like tweaking the lighting in skewed body parts for a tenth of her original rate.

:

Recent breakthroughs in AI image generation with the release of programs such as Dall E, which is ChatGPT's image generator.

:

I use that as well.

:

tastic in stable diffusion in:

:

In the past few months, Chinese video game companies, from tech giants like Tencent to indie game developers have begun using these programs to Design and create video game characters, backdrops and promotional materials.

:

Well, damn, damn.

:

But that's a real thing.

:

There's going to be a point.

:

I've seen movies now, like clips entirely created by mid journey and some of the AI tools that are out there.

:

Yeah, dude.

:

So they're going to be able to create whole movies out of this?

:

Yeah, yeah.

:

But the key thing here, right, is.

:

And I don't know if you.

:

I don't think you need to go and take a course for it.

:

I think just practicing how to prompt.

:

Over time you'll learn what works, what doesn't work, how to, you know, create exactly what you need.

:

I have an example here of a progression and prompting that I thought would be valuable for the listeners.

:

Oh, hit me with a prompt.

:

So this is a.

:

This is what would be considered a vague prompt.

:

Okay, tell me about AI.

:

Yeah, not good enough.

:

Not good enough.

:

Right.

:

It's too broad and it'll, it'll spit you out an answer, but not what you want.

:

Right.

:

That's not the right way to go.

:

Here's an improved prompt.

:

Can you explain the role of artificial intelligence in healthcare, particularly in diagnosing diseases like cancer?

:

Okay.

:

You'll get a more general, general, but curtailed response.

:

Right.

:

Next, a targeted prompt.

:

Right.

:

This is where the skill starts to come into play.

:

Explain how machine learning algorithms can be used to detect early stage lung cancer from CT scans.

:

Include examples of current AI tools and their effectiveness in clinical practice.

:

Yeah, you got to know what you want when you prompt.

:

Yeah, exactly.

:

Exactly.

:

So it's, it's not, you gotta know, have a little bit of an understanding of the subject matter.

:

Right.

:

You to.

:

In order to get what you want.

:

Exactly.

:

And now here is a refined prompt with context.

:

As a healthcare professional working in radiology, I'm interested in understanding how AI can assist with detecting early stage lung cancer.

:

Could you explain the science behind AI algorithms and mention specific AI tools like IBM, Watson or Google's health AI model?

:

Fantastic.

:

That's amazing.

:

Right.

:

Now, obviously that takes time and practice in order to get to there, but definitely doable.

:

I mean, I know you've used it a lot for the podcast.

:

Right?

:

Yeah, I know.

:

For the images that you've created.

:

Right.

:

And it takes a lot of.

:

There's a science to it.

:

I would say like 65, 70% of the podcast images that we generated for thumbnails has been AI, if not generated.

:

It's giving me the original inspiration.

:

I also use ChatGPT and basically what I do before I even create an episode, I create an outline for us to follow.

:

And then what I'll do is I'll kind of come up with some ideas and I'll really spitball back and forth on what I want to cover.

:

I generally feed in articles and topics that I want, and then I'll ask it to put them in a pattern or organizational cadence that it makes sense for us.

:

A nice flow, right?

:

Nice flow.

:

And then I'll usually say, hey, I want some more data around this topic, and I'll be a little more specific.

:

And then by the time I actually record the show, I'll download the transcript of us speaking to one another, put it back into AI, say this was the result of it, give me some ideas for title, give me some ideas for show notes, give me some ideas for thumbnails.

:

And I just have, like a couple prompts that I continue to reuse and recycle through it.

:

But basically the way it works now is it's actually one project under ChatGPT, and then I'll feed back into it the final product.

:

So if I make a final thumbnail, feed it back into it and say, look, this is kind of the aesthetic I want.

:

Remember this for next time.

:

And it does.

:

Beautiful.

:

So it's gotten sharper and sharper, and I've gotten better at prompting, too.

:

But.

:

So I'm going to give you and our listening audience an option here.

:

I have a lot more on this.

:

And to give you an idea of a flavor of what a lot more is, is we're about halfway through the content that I have on AI, and it gets more and more specific the longer we go down.

:

I have a really fascinating segment on economic inequality and how AI is going to create inequality from an economic perspective and further exasperate the wealth gap.

:

I've got ethical concerns, AI bias and privacy risks, addressing equity and ethics and AI in general, which is a really fascinating article.

:

And it talks about kind of the inflection point.

:

And it's a Stanford study, really good.

:

And it's very long.

:

And then I have.

:

It's very long.

:

It's a whole psychology breakdown.

:

I have the balance of power from the EU's AI act, where the EU has now got rules they're putting in place, which in order to use AI in the European Union, you're going to have to follow some of these rules.

:

This is for an article from Computer Weekly preparing for an AI regulation, which is fascinating to see how they're kind of on the forefront of it, which I think is really interesting.

:

Then I have it in the role of education.

:

A lot of us have kids.

:

So how AI is going to change the workforce and AI driven economy with education and how we learn and how we interact, it's going to be fascinating.

:

And then I've also got some actual insights for listeners, for job seekers, for businesses and for investors that we could break down.

:

We could do this in a part two.

:

I definitely think all of these should be expanded on more than us just rushing through it for the sake of the listeners.

:

So here's what I'll do is we typically don't cover technology like we did tonight.

:

We usually focus more on the finances.

:

And yes, inflation numbers came out.

:

But I also want to take a bit of a reprieve.

:

The inflation numbers were largely in line with expectations.

:

I didn't think that anything that really happened this week from a finance perspective was particularly incendiary or fascinating.

:

And let's just say at the end of the day, they're not cutting rates.

:

Yeah.

:

So the right now you don't gotta worry about the job prints.

:

Yeah, the job prints, the inflation prints.

:

I mean, unless they start speaking about potentially hiking again, which they have dabbled in a little bit just to keep the option on the table.

:

But it's not really an outcome that's.

:

No one's taking this likely right right now.

:

So for now they're not moving rates.

:

So let us know.

:

If you listen to the show and you like the AI content and you want us to do two things, let us know in the comments.

:

Whether you're on Spotify, YouTube, drop a comment or if you're, you know, listening to Apple podcasts, you're welcome to send us an email.

:

Do you want to hear more about AI and this particular topics that I covered and do you want to do us to do a full breakdown of supercomputing?

:

I think it's fascinating and I got some friends that are experts in that area that I could probably bring in or call in to talk about it.

:

We should definitely do that.

:

So the quantum computing thing is so much more fascinating than people realize.

:

It's not just nerding on a computer.

:

It's.

:

It's nerding out that there is a potential for us tapping into things that we don't fully understand and what that means.

:

It's so cool.

:

Yeah, we should definitely do that.

:

Leave us a comment down below if you enjoyed this episode and if you want more of it, if that's you watching over on YouTube, subscribe, hit that like button, ring that notification bell.

:

Or if you're listening to us on Apple or Spotify.

:

Leave us a five star review because that means you're being honest, and then we'll do more of it.

:

If those of you missed out the video portion of this episode, I am wearing a pink hoodie.

:

You know what?

:

I'm out here.

:

Thriller in Manila.

:

This is my shout out to the Filipinos out there.

:

What's up?

:

I got your back.

:

Yeah.

:

That's why you're allowed to do the accent.

:

I got the Filipino flag on the sleeve.

:

Because you're rep.

:

Yeah.

:

You're representing them and you're married to a Filipino.

:

My wife is.

:

Is what?

:

Is amazing.

:

I've never actually seen her culture.

:

I just see beauty.

:

Oh, what?

:

Yeah.

:

I didn't know she was Filipino.

:

So you said something right now.

:

Stop.

:

Did she carry over any culture?

:

My wife.

:

Yeah, any Filipino culture.

:

Into, like, into you guys house or.

:

Not really.

:

Really?

:

Yeah, my wife is.

:

My wife is watered down a lot, too.

:

No, no, seriously.

:

No.

:

I've known your wife since she was a kid.

:

What are you talking about?

:

She's not watered down.

:

She's very Afghan.

:

No, no, no.

:

Not very.

:

Oh, yeah.

:

No, no.

:

Dude, I had to beg.

:

I had to beg for an Afghan rug in the house because I love Afghan rugs.

:

I was like, we got to have one thing culturally in the house, bro.

:

Yeah, okay.

:

That's African.

:

Rugs are my thing.

:

I.

:

Look, I also appreciate rugs.

:

We're totally building the stereotype here, but it's okay.

:

We're allowed to.

:

No, look, I like.

:

I like.

:

Look, I think if you have a very contemporary interior, having like a.

:

A cultural flair, like to your rug, you know, add something to the room.

:

Yeah.

:

It says this guy who lives here knows his culture and knows how much he doesn't like it.

:

He's proud of it, too.

:

He's modestly proud of it.

:

Yeah, yeah, yeah, yeah.

:

I get it.

:

Well, some of that's got to get carried over onto the kids.

:

It's good for them, man.

:

I don't think just because you have a rug, the kids are gonna be like, oh, we're Afghan.

:

No, but it can spark conversations, right?

:

I don't think your kids are going to have many conversations about rugs in your house, brother.

:

Oh, I'm gonna make sure of it.

:

Okay.

:

No, not you.

:

Not so much.

:

My son's got a whole identity crisis coming his way from an ethnicity standpoint.

:

Yeah.

:

He's gonna be very confused.

:

There's gonna be some soul searching.

:

Daddy, what am I?

:

You know what, son?

:

You're a child of the world.

:

There you go.

:

Because I'm like French, German, Dutch, a lot of North Africans.

:

What are your handsome.

:

That's what you are.

:

So, yeah, you're welcome.

:

And I, I had the realization early.

:

So when my wife gave birth.

:

This is a true story.

:

I think a lot of dads can relate to this.

:

Right.

:

When you have a child as a father, you don't have the same bond that the mom does when she carried the child for nine months.

:

I have had this conversation.

:

I couldn't agree more.

:

And it took me a long time to reconcile with the guilt that I felt not being as connected on day one.

:

Bro.

:

Why do we feel so.

:

I felt so bad too, throughout the whole process.

:

No, no offense to my kids.

:

Yeah.

:

I.

:

I did not feel connected to them.

:

They were inside, you know.

:

Yeah.

:

You know, the womb.

:

Right.

:

But I was, I was just feeling for my wife the entire time, like, you're going through this, and I feel bad that I can't go through it for you.

:

And this 8-10 lb screaming larvae comes out, Right.

:

And you're holding it and you're in this surreal moment because your wife's drugged up.

:

Right.

:

It's all on you.

:

Right.

:

Yeah.

:

You're holding everything.

:

And you're in this moment where you should feel connected and relief and, and you.

:

I.

:

I felt like the obligations, but I didn't feel the connection right away.

:

And I don't, I don't know really how to, to get and express it out.

:

But I think a lot of fathers feel this, like, internal guilt mechanism.

:

Right.

:

But I knew in this moment that my son was different than me.

:

He came out and he looks super Asian.

:

Oh, okay.

:

Super Asian.

:

Right.

:

I was like, baby, who did?

:

Who?

:

The baby daddy.

:

Even my wife was like, wait a minute.

:

But.

:

And the sad part is, you know, I'm.

:

I'm partially Iranian, so there's like an Asian adjacent part of my culture.

:

Yeah.

:

One country over Afghanistan.

:

Technically Asia.

:

Technically Asia.

:

Iran.

:

Technically Middle East.

:

I don't know why.

:

Who draws this Middle East Asia boundary, But that's the thing.

:

Yeah.

:

I feel like the Afghans are like, we don't want to be any part of them.

:

So they're, they're, they're really so worried.

:

And I'm wrong.

:

My son looks exactly like me now.

:

But.

:

Yeah.

:

I realized in that moment, like, oh, my God, like, he's half Filipino.

:

He's half one thing.

:

I've never been half one thing my entire life.

:

Like, that was such a.

:

An epiphany.

:

Moment for me, like, oh, my God.

:

Like, I.

:

My mom's French, German, Dutch, American Indian.

:

My dad's, you know, Jewish, German, Iranian.

:

I mean, it's just.

:

And it's this multi cocktail of, like, whatever the hell I am that came out with.

:

And my son's more of one thing than I am.

:

Right.

:

That was a big, like, moment for me, going, like, wait a minute.

:

He has more ethnic certainty than I do.

:

Yeah.

:

Wow.

:

So I'm the problem?

:

You're the problem.

:

Yeah, you're the problem.

:

To get rid of the problem, bro.

:

Can't get rid of me.

:

No, no.

:

Can't do it.

:

Here to stay.

:

Yeah, there you go.

:

Yeah.

:

Unless I have something to do with it.

:

You know, I found out a little.

:

Trick is going to definitely see you as a threat and be like, get rid of this motherfucker.

:

If you ever look at my hairline in any of the thumbnails, I figured out that if I could circle my hairline and just say, make thicker, I get an actual thicker hairline from AI.

:

You've done it, haven't you?

:

Oh, and AI knows I need this now.

:

Just remember this for next time.

:

You want me to make your hairline thicker?

:

Chris, you forgot this prompt.

:

Christopher.

:

I did it last time.

:

Now, none of y'all said anything, okay?

:

Y'all all thought it was natural.

:

Yeah.

:

That's good, man.

:

All right, you got anything else?

:

No.

:

I'm gonna go break down another wall.

:

Yeah.

:

Oh, yeah.

:

Let's go.

:

Let's go hammer this some holes.

:

Let's do this.

:

Stress out.

:

Good night, everybody.

:

The long one.

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About the Podcast

The Higher Standard
This isn’t a different standard, it’s the higher standard.
Welcome to the Higher Standard Podcast, where we give you ultra-premium, unfiltered truth when it comes to building your wealth and curating the lifestyle of your dreams. Your hosts; Chris Naghibi and Saied Omar here to help you distill the immense amount of information and disinformation out there on the interwebs and give you the opportunity to choose a higher standard for yourself. Sit back, relax your mind and get ready for a different kind of podcast where we elevate your baseline with crispy high-resolution audio. This isn't a different standard. It's the higher standard.

About your host

Profile picture for Christopher Naghibi

Christopher Naghibi

Christopher M. Naghibi is the host and founder of The Higher Standard podcast — a rapidly growing media platform delivering unfiltered financial literacy, real-world entrepreneurship lessons and economic commentary for the modern era.

After nearly two decades in banking, including his most recent role as Executive Vice President and Chief Operating Officer of First Foundation Bank (NYSE: FFWM), Christopher stepped away from corporate life to build a brand rooted in truth, transparency, and modern money insights. While at First Foundation, he had executive oversight of credit, product development, depository services, retail banking, loan servicing, and commercial operations. His leadership helped scale the bank’s presence in multiple national markets from $0 to over $13 billion.

Christopher is a licensed attorney, real estate broker, and general building contractor (Class B), and he brings a rare blend of legal, operational and real estate expertise to everything he does. His early career spanned diverse lending platforms, including multifamily, commercial, private banking, and middle market lending — holding key roles at Impac Commercial Capital Corporation, U.S. Financial Services & Residential Realty, and First Fidelity Funding.

In addition to his media work, Christopher is the CEO of Black Crown Inc. and Black Crown Law APC, which oversee his private holdings and legal affairs.

He holds a Juris Doctorate from Trinity Law School, an MBA from American Heritage University, and two bachelor degrees. He is also a graduate of the Yale School of Management’s Global Executive Leadership Program.

A published author and sought-after speaker (unless it’s his son’s birthday), Christopher continues to advocate for financial empowerment. He’s worked pro bono with families in need, helped craft affordable housing programs through Habitat for Humanity, and was a founding board member of She Built This City — helping spark interest in construction and trades for women of all ages.