The average American spends $77,000 annually, with just over 80% going toward the top five major expenses. Housing is appropriately placed where people put the most amount of money because it is the most important to their lives.

Anyone can cut expenses at the bottom. No one should cut their top expenses without the help of a trusted advisor.

Isn't it interesting that it took 30 years for the radio and then the TV to be adopted? 26 years for email?! 27 years for a mobile phone?

When innovation shows up, people naturally worry about not jumping on the bandwagon immediately. We tend to overestimate the short-term effect and then underestimate the long-term.

Innovation happens in stages. It took the radio to get the TV. And then the internet to get email. And the mobile phone to get the smart phone.

Generative AI is different than AI machine learning, which began in the 1950s. Generative AI will change the world, but it will take longer than you think.