Human Intelligence – A1 2.0 Part II

Key Takeaways

  • Artificial intelligence (AI) is intimidating to some and exciting to others.
  • AI has the potential to significantly expand our brainpower and longevity. But will many outlive their money?
  • The flip side of living longer is that your money has to last longer too—Social Security, Medicare and Medicaid won’t last forever. How about your portfolio and savings?

You know, the Terminator and the Transformers film series may have scared many of us about artificial intelligence and how it will make a big difference when machines take over and we become slaves to them in the future. Hollywood’s version of AI taking over our lives can be very disconcerting. It reminds me of how the internet scared many of us back in the early 1990s. One thing’s for sure, AI is the next “big thing” that’s going to make a huge difference in our lives over the next 10 to 20 years.

In my last post, I talked about cochlear implants—brain computer interfaces (BCIs) that help deaf people hear. Cochlear implants have been around for a long time and they keep getting better. Ray Kurzweil, an engineer and futurist who directs the engineering group for Google’s AI division, has correctly predicted 115 out of 147 new technological changes that have emerged since 1994, and he’s big on AI. Kurzweil really understands how we, as human beings, apply new technology to our lives.

You probably know the name Elon Musk of Tesla and SpaceX fame. Musk thinks we’ll eventually have a “neural lace” in our brains (more on that below). Kurzweil thinks that by the year 2030, we’ll be able to send little nano robots into the capillaries of our brains and create neural lace.

What is neural lace? It’s a BCI—an interface between our nervous system, our neocortex and the cloud. Experts don’t really know exactly how neural lace will work, but they do expect it to increase human longevity, which has both pros and cons.

On the surface, most of us would like to live longer, provided we can remain active and mentally sound in our advanced years. Thanks to technology and medical advances, we should continue to live longer than ever before. But there will be some financial challenges, not just physical ones, in the future. For instance, Social Security, Medicare and Medicaid were only designed to last you 20 to 30 years after age 65. Now we’re talking about needing those programs for 40 or 50 years into retirement. That’s a strain on the government.

Your portfolio will feel the strain too. If you retire today at age 65, you probably think your savings need to last you 20 or 30 years. But suppose you live 40 or 50 years after retiring? Will you outlive your money?


Give that some consideration the next time you look out into the future and ponder how you will handle everything about your money and your estate. You may be around a lot longer than you think.

Until next time, enjoy.


Learn more about TransformingWealth™ , our proprietary approach, designed to get your arms around the big picture so you can make informed financial decisions. Ask Gary about Coyle’s TransformingWealth Preview Meeting, and schedule a complimentary consultation and start living the Good Life Managed Well™.

Gary Klaben is in our Glenview, IL office and serves our clients who are now located all over the country.  He has over 30 years of experience and is the author of Changing the Conversation, The Wealth Sanctuary and co-author of The Business BattlefieldWhether advising his clients, mentoring his team, or coaching entrepreneurs, he is always simplifying complexity and motivating others to take the next action that’s right for them.
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