Money & Wealth: The Age of AI

we live and how we work. For communities already on the edge, this change could feel like a tsunami unless we act with intention. Now that sounded like me? Right? That that sounded just like I said it and wrote it, right, Ashley, That was AI acting like me. I asked, Hey, why to give me an opening line that sounded like John O'Brien And there you go. Uh, this world is about to fundamentally change. Let me break this down of how I got into this situation. My friend, my brother Van Jones,

said this might be the ultimate leveler. By the way, he said, of black folks don't know a thing about AI really pause, but nine percent of white folks don't know a thing about AI either. Pause. That we are all starting for the first time with a technology at the same place, lost but convinced that everything is going to change all at once, and they're completely right. By twenty thirty, the world's in it as you know it. You heard it here. I didn't say twenty fifty. I

didn't say twenty eighty. Within six years time, five years time. Actually now twenty twenty five, the world as you know it is going to fundamentally shift, and it's shifting underneath your feet right now. And I'm gonna explain some of that to you. How did I get into this because my obsessions, you know, as I've been saying, the financial literacy is the civil rights issue of this generation. I think if Doctor King, God rest his soul, we just

celebrated his birthday. If God, if Doctor King was alive today, he'd be passionate about things like financial literacy as a leveler. It's as important, I believe it's the right to vote. I've been on this mission at Operation Hope, with Operation Hope and financial literacy and all that comes from it and through it. I've been on this thing for thirty

two years. It was the largest financial literacy coaching organization in America, four point five billion dollars invested in communities, four million plus clients, fifteen hundred offices doing financial coaching. You know, advised three US presidents from both parties, recognized

by five Know nine. You know, just leaning in on everything from financial coaching on the workplace, to financial literacy in schools, children bank accounts for kids with out Mayor Andrea Dickens in the City of Atlanta City Council for every kid in kindergarten, kids accounts in Atlanta, the work we're doing with major employers like Delta Airlines and ups and the Walmart co chairing of Financial Literacy for All, the CEO dougcmillon, the book Financial Literacy for all our work.

And disaster We're going to California. Just my heart goes out to everybody affected by the fires and particularly the communities in Altadena where a lot of black wealth was lost. I'm passionate about this issue. Hoping side disaster, I work with FEMA of creating the Emergency Financial First Aid Kit.

It goes on and on. Freedman's Bank. You've all heard me go on and on and on, and nothing gets me unfocused, nothing gets me off message and I get a call from a friend named Sam Aldman a few years ago, a couple three years ago at this point, and what I went to go see him in his office in San Francisco on one of my trips there because I'm just nosy. I don't want to see what

he was doing. And he opened up his laptop and he showed me a prototype for something that really at that point was not in the market in the marketplace, I don't even think it was released, and it was what we now call chat GPT, It's open AI. I didn't really know what I was seeing at that moment. I just knew it was transformational. He asked me my advice. I said, you make sure that you introduced his technology. Well,

first of all, thanks for asking me for my advice. Sam, Most people don't who are geniuses makes think they know everything. But he knows that the smartest people in the world can be so hyper focused. You can have a blind spot, and a lot of tech leaders have a blind spot called people. He didn't want to be one of those people who had a blind spot. What should I do? Make sure you're talking to underserved communities when you go on tour to talk this into the country in the world.

Go make sure you go in the underserved communities, John, when you do it with me, absolutely get a call from his office. Sorry, Sam won't be to do the underserved tour. He's international right now. I text Sam directly. I'm like, uh no, brother, you're not doing it for me. You do it for yourself. You need to make sure you go to these communities. He said, Let me e right,

let me think about it. I know. Weeks passed by, and then I get a call from him out of the blue in the middle of the night, I think it was. It was I think close to midnight. I remember I made a call for that too the East Coast to the president of Clarktland University, doctor George French, and it was probably two in the morning there, so it was eleven, maybe close to midnight. I get this call, Hey man, I got to go to the White House to meet with President Biden on my work, et cetera.

You know, two three days I think it was can I come to you? Think I can come to Atlanta after that? And uh, have you host a meeting to have this conversation. The only thing I had to say was yes, with no time and no idea I was going to do it. I hung the phone from him and called doctor George French as clock Atlanta. H'm on the board. Doctor French said absolutely, And three days later we had Sam Autman from the White House to our house in Atlanta for this conversation. The King Families in

the house. My friend, doctor Bernice King is actually on the board of AI Ethics Council. Now I'll get to that in a second. The King families in the house, young families in the house, all the HBCU presidents, more House, Spelman, uh doctor Thomas and then doctor Helen Gale, who was president of Spelman at that time, and doctor Thomas more House and heroes and she ros everywhere. And I was terrified, absolutely terrified about what I was hearing. And Sam, are

there any unintended consequences that can come from this answer? Yes, I know that we'll probably cure cancer within ten years, but something bad may also happen, and I can't tell you where that is. And I respected it as honesty, and so I knew at that point that I had to change my agenda to it wasn't replacing financial literacy. I had to move it over to include what I

now call AI literacy literacy Artificial intelligence. Financial literacy is a civil rights issue of this generation, and AI literacy as a sylvi rights issue of this generation, moving us from the streets to the suites. And so soon after that Sam came to the Hope Lebal Forum. We announced the Artificial AI Ethics Council on stage together, and within a year we had a plan that we had a board put together a lot of heroes and she roes

that you respect on that board. I don't want to take up valuable time here going through a resume a list, but it's a lot of incredible leaders on that board. And then we just announced something powerful with Georgia State University and the mayor here at Andrew Dickens, called the AI l P three AI Literacy Project here in Atlanta. Now all this you're saying, Okay, John, this is a nice story, but you told me this is going to

change everything. I don't see it yet. Here you go to lenses the anticipated pain, job losses and societal disruption. Number two, the opportunity new industries and jobs emerging in

the AI driven economy. That's why, by the way, we've done AI LP three with Georgia State University with Morehouse with Clark Atlanta Spellman the Mayor's office here, because we're going to train up a whole new generation of kids from kindergarten with a bank account in kindergarten all the way up through through high school, middle school, high school and college in Atlanta as an ecosystem to create a farm club for the future and create our own jobs on wate sol to disrupt you out of a job,

destroy it. Let's create our own jobs and anticipate the pain and replace it with promise. Now, let's now get to the pain and why you have to listen to this while you tell all your friends that listen to this. You can go right to minute ten if you like, and cut to the chase if that's if you have limited time. Here are industries that will be absolutely disrupted Manufacturing. AI driven robotics are going to replace roles on assembly lines,

including automobile production. An example of this is factories utilizing robots for welding and quality control. Haven't you seen the Amazon drones? Haven't you seen these delivery bots that have wheels on it that robots that are delivering pizzas and things like that. And packages. Haven't you seen, I mean, really, drones are really preambles to this. By the way, this

is nothing sneaking up on you. By the way, right in front of you, haven't you seen robots doing welding in factory tours as you're looking as your TV set. That used to be people, Those used to be manual jobs. Now those jobs are automated. Okay, so manufacturing is going to be completely disrupted. These by the way, these are industries now where you need a high school education. Needed

a high school education, that's gone. Now if you have a high school education and no hustle and no intention in getting a better education or skills for the future, you're toast. It's not lover hate anymore. It's radical indifference. Nobody's going to care if about you, to hate you or to care for you. And I don't care whether your black, white, red, brown, or yellow. You're not going to see any more green. So the color is not

again the color. This is not race based, right, This is going to be talent based and opportunity based, and understanding based and hustle based. And in some ways people

who are underserved are going to be better positions. We've been doing so much with so little, so long, we can almost do anything with nothing, and so we got a hustle on ten when you know, if we wake up paranoid, so we might be able to pivot here, particularly in the creative spaces, and make it something out of nothing, in a rainbow out of the storm, because you cannot have a rainbow without a storm. First, Can

I get an a man? Yes, I'm preaching. Here's the industry number two that will get disrupted, transportation and logistics, Autonomous vehicles and AI optimize logistical systems. Let me get an example of this, self driving trucks and automated warehouse management systems. Now, you've already seen self driving cars being tested. You've already seen self driving basically taxis in San Francisco.

You've seen these things on television. This stuff's real. I was just at CES conference in Las Vegas as a guest of Delta Airlines, my friend ed Bastian, and the stuff that they have right now is mind blowing and mind bending around automation of automobiles and the transportation industry. Truckers and Uber drivers and Uber you know, all the driving services, the delivery services, the transit, the major transportation services. That's one of the top ten employment sectors in the country.

Poof gone once again, you can do with a high school education and a minor certification. Now that job is not going to just completely go away, but it's going to change how that it's not gonna You're not gonna be driving the car. You're going to be maybe overseeing a car being driven, the overseeing the technology. Getting ahead of myself and write the stuff down. Here's a big one.

If you're black and brown, I want you to look to the left and looking to the right of you and see somebody who will not have a job, because the likelihood that somebody that we know is employed in this sector that I'm about to mention is everything retail and customer service. So AI managing inventory, self checkout systems, and customer interactions is going to be absolutely complete. The takeover is going to be complete. Think about an Amazon

ghost store eliminating the need for a cashier. You know what an Amazon ghost story is? Okay, I did a video on this. Go on my look on my Instagram page and look at the video I did about five months six months ago going through airports and there was an Amazon ghost shop that I featured, but you need to go that far. I want you to think about when you went to CBS recently or you went to

Walgreens recently. In the video version of this podcast, I'm going to drop in some photos during the video presentation of me in different places, most recently in Las Vegas, where it used to be one soul checkout self checkout

situation where you scanned yourself. This last place I went to in Las Vegas two weeks ago, one hundred percent of the checkout was it was ten checkout stations or self checkouts, with one guy overseeing the ten to make sure the systems didn't break down, and nobody stole anything. That store had a total of I believe I saw two or three employees. This was a complete store of Walgreens or CVS. Can remember which one that store used

to have. I don't know eight people. Okay on the shift gone poof right, go to a grocery store and well, I was in McDonald's. Mean, I walked past McDonald's in where was I? I was in Seattle Layover and I walked past a McDonald's. I'm not picking at McDonald's. This is everybody and there literally was twelve. You got gonna

show a picture of this. Twelve checkouts, self checkouts, and there was a place where you picked up your food and there were robots on the other side of the of the customer service person talking to you at the counter handing you your food. That was happening to helping us prepare the food. How many jobs do you think

that represented at McDonald's before they automated it. There's a there's a restaurant in I believe it's San Francisco or Oakland that's one hundred percent robotic, one hundred percent no employees, and I'm told the food's pretty good. It's making hamburgers an American hamburger shop. Check that out on my Instagram

page as well. Grocery store. Used to go to a grocery store and there were twelve checkout counters and they're the nice person was talking to you and it was a line and all the stuff and you know, she bagged it for you or he bagged it for you. You go to a grocery store, now, just just watch this now and listen to this and think about this. There's twelve checkout counters. All of them are closed except one maybe two and where's the line now? In self checkout?

They just it's almost like positive hurting. You know, you put a frog in you drop a frog in the pot of hot water, it jumps out. But if you put that frog in some water and slowly just increase the temperature, frog never realizes that it's cooking. I don't want you to cook. I want you to learn how to cook. And that means that before somebody's zeros, nobody wants to deal with the girl with the attitude right the counter? What you want? I want my food? What can I do for you? I'm busy, I'm on the

phone with my boyfriend. Was it a do it? The attitude? Right? Nobody, robots and AI don't complain, don't ask for breaks, they don't ask for time off, don't ask for raises. Right, they don't get tired, they don't get attitude right. It's consistent and I'm joking, but I'm serious. This is completely serious. All those jobs poof gone. That's a high school education and no soft skill requirements and very little hard skill requirements. Right is in You know you don't need a degree

or a certification to do it? Okay? That job gone? Number four Food service and hospitality. I've touched on this a little bit, but let me be very specific. Robotic kitchens and self service chaos. Think about Flippy the burger flipping robot. The AI driven reservation system right you may be calling a reservation system right now and thinking you're talking to a human. It might be artificial intelligence. This is just mind blowing, how transformating to think about this

AILP Three we're gonna be doing here in Atlanta. We're going to literally go through air every industry. We have these kids AI in sports, not just sports, AI in football, AI in basketball, AI in baseball, AI and soccer music, AI in rock music. So I mean AI and engineering, mechanical engineering, AI and automotive, AI in healthcare, AI and beauty A Why because every sector is going to get

disrupted AI and medical care, healthcare, elder care. And have these kids basically help us imagine jobs in the future which are going to replace the jobs being produced being decimated right now. Let me give you again, I'm not sorry. I apologized for not completing this list yet. I'll get back to it, but this context is more important than the list. I need you to focus on the list. I'm gonna give you good context. So it's scared you. I scared you straight. Remember other kids went there. We

sent the services. We used to send kids to prison on like a day visit to scare them straight straight, so they never ended up in prison. Those kids were like I do. I remember I got scared straight. I stole I saw some crayons or something when I was nine or ten years old, eight nine, ten years old and Compton and the guys it was thrifty drug store

back then. The guys were looking from above. Pulled me upstairs and closed the door and showed me some cuff links, some cufflinks, showed me some handcuffs and said they're going to call the police. And I was gonna get it. I was going to jail. I mean, scared the jeebers out of me. If if if I'm be truthful them, I'd have wet my pants. They let me out of there, and I swore I was never gonna steal anything again in my life. And I never did. And those guys

were scared. But gi me saved me from you know, uh, from messing up my whole world. Well, I'm trying to scare you straight, so you create a new world. So from eighteen fifty to nineteen ten, the most valuable thing in the United States was a horse. Horses where everything and everywhere, transportation, agriculture, automobile, that version of an automobile, horsepower, that's where that came from. Wealth, class structure, machinery, harrises, where everything and what we were one out of ten

jobs in America back then a faeririre. Who's somebody who did the change the hoofs on a horse? So I don't know, forty to fifty per cent of the entire economy was horse based from eighteen fifty. Why does Atlanta look the way it does? Well, you can't get out the freeway and take a detour because everything turns left right. You can't take a straight detour. Not a criticism like New York City. Why is it like that? Because there

was based on horse paths. The horses used to to you know, you took a horse, not over a hill, around a hill. Well, what happens in Atlanta now you drive around a hill on a road because they just pave the roads that or you didn't know that you were originally horse paths. But anyway, horses were everywhere everything. Then the automobile hit in nineteen oh one, and there was one hundred automobile manufacturers. Most of them went out

of business. Henry Ford and a few others survived. Henry Ford created the modern middle class by paying workers enough to build the automobiles to buy the automobiles that they were building. Boom would create in the middle class, and within ten years horses were no more valuable than glue. Went from the most valuable thing on the planet to invisible, gone poof and the most valuable thing you could do with horses. And I apologize for horse lovers. I'm not

I didn't do this, I'm just reporting this. By nineteen ten, the most valuable thing you could do an industry and business other than just having a horse as a hobby hobby horse, and the pun intendant was glue. So it went from everything to nothing. Think about Seers being taken out by Amazon, but just times one hundred. Think about Blockbuster being taken out by Netflix, but just time one hundred. Right, Well, we're going to go from that took sixty years, from

eighteen fifty to nineteen ten. We're talking about from two thousand and four to twenty thirty six years, not sixty years poof everything's going to change top to bottom. And if you're on at the table, you're on the menu. I want you at the table. Here's sector number five, Finance and Banking, one of the sectors that I'm in. Underwriting loans will be done by artificial intelligence. Managing portfolios

and detecting fraud will be done by artificial intelligence. All the documentation and all these papers that get pushed around and we sign here and do this and do that, which is can be messed up with human error, and determine risk and assets for a generation and or liability for the bank or the or the lawyer doing the paperwork, whatever, All that's going to be all that risk is gonna be be squeezed out of the system. An example of

this is robo advisors like wealth Front and Betterment. These are these are robo advisors AI assisted advisors in the Wealth and Financial UH planning space Wealth managed and Financial Planning space. Number six Legal services. So I'm not just talking about poor people's jobs. These people with advanced education, right, These jobs are going to go away or be transformed.

Finance and banking, UH, legal services, AI drafting contracts, conducting research, and reviewing documents, think about UH tools like do not pay in UH in loggings. It's a complete game changer accounting. This is a bonus for you on this one, accounting. I think you know, half of all accountants are going to be, you know, challenged to adapt what they do. Either they adapt with by taking by empowering themselves to control AI, although be replaced by AI because too much

of that can be hello automated. Anything can be automated is completely at risk. Again, this is a great level of whether you're whether you're black and black or white or rich or poorie, this doesn't care. Nine black folks don't know thinking about AI, and nine percent of white folks don't know think about AI either. It's like AI or dummies. And I was the first dummy. And I'm not calling you a name. It's what we don't know that we don't know. This killing is what we think

we know. It's time to learn, baby. I'm Quincy Jones Scott Risus. So how'd you get so smart? I'm just nosy as hell, John. I want to know everything about everything. I want you to be nosy about AI. Number seven Healthcare, Administration, Automation and billing, scheduling, and diagnosing. Hello, what do you see black and brown people? Hello? And women do? What jobs do you think we're doing in healthcare administration? Right? Think about AI powered diagnostics systems like IBM Watson computer.

We'll do the whole job. Number eight agriculture autonomous tractors and drones monitoring crops you don't need. Doesn't take a lot of imagination even to think about what I'm talking about. You can see it in your mind's eye, by the way you want to. I don't get all distracted. But there's a documentary on the next is there gonna be wars in the world. There may be worries about food and water, and there's a great documentary on that. But

I'll save that that feature for another day. But it deals with agriculture and this autonomous takeover of running a farm. Some platforms like Jasper and d A L L. E Y are are going to transform our system and agriculture. I'm sorry that John Deere's AI enabling farming tool. Sorry about that. Jasper and dollar E is my next example, which is media and entertainment AI generating content and editing media.

I was drafting a document and needed help, and my editing team weren't available and it was late at night, and my friend Fisher TDJS was like, John, you're a dummy like I thought you were smart, Like you know, you're a public figure, right, so AI knows who you are, So ask AI to help you because you're a public figure, and say, you know, this is John O'Brien and can you help me. You know this is the way I think, and those ways knows how I think. I'm a public figure.

Can you help me frame out the answer or how to answer this question or how to get me the background for this question I'm trying to answer so I can then, you know, basically finish writing this piece. And so I asked a number of questions and it was in it answered me back the way John Hope Bryant would answer. It was scary. It's like it sounded just like me because it is me. It's not plagiarism. It is me. Is me asking me about me. That's crazy. Okay.

So another thing, do you know there's a book The Future Is Faster Than You Think, which my friend Van Jones had me read recently. You should read it and it talked about how the you know it took two hundred thousand years to get cognitive ability, in two hundred years to really get this incredible leaps in society. And within twenty years it's going to do more than AI is going to do more. It could cause more change

in disruption and I think mostly positive change. And all that those years in history combined it ended up practical example of this is the best chess players in the world were beaten by an AI in a very short period of time. And then the computer that beat the chess player in AI had another computer learning from that computer. There was another AI learning from the AI that beat the best chess player in the world, and within a short period of time, the the new AI beat the

first AI in a fraction of the time. See, it's just compounding, compound and compounding. It's building on itself. And don't let's get to the point where we're talking about what happens when AI starts thinking for itself. Well, let's let's leave that movie and that question for another You want me to do another episode, und there, you let

me know and I'll go to part two. But let me just get to the let me get to the sweet spot for you, which is the opportunity in which the number you know, I've already dealt with UH media and entertainment. Now there will be opportunities to because creativity UH will be I think one of these unique things that that might actually be preserved and reimagined by a young generation. But it won't be lazy creativity. It'll be

very thoughtful creativity and multi media possibly too. Number ten real estate and property management is another business that I'm in AI for pricing, virtual tours and tenant management. This is like Zilo's AI pricing tools is a real estate platform that I use and virtual tours. Again, you can imagine this kind of stuff. You don't you know AI? You know, you go to a door and AI confirms through eye technology, through site or your fingerprints. You know,

you've got the only fingerprints in the world. Yours are only in the world. So when I go to the airport, now, it used to take twenty thirty minutes to get through international passport control, and then I got a global entry and it took five minutes, eight minutes get through passport control. Everybody else is standing in line, and now I get through passport control in about two minutes. Because it looks

at my eyes. Nothing else doesn't. I used to scan my passport and all that stuff and wait and somebody would ask me a question. Now it scans my eyes and it can tell within five seconds or less that I'm one of eight billion people in the world that's just me and gives me my approval, confirms it's me. Yes, that's me, and I walk out the door and wait at the police officer security officer on the way out. It's unbelievably accurate. So think about this at the door

of a real estate property you want to see. So it confirms it's you through fingerprints or through eyes, It gives you access, It talks to you through a tour. I mean, it goes on and goes on and goes on. So let's talk about societal disruptions, the education gaps, lack of AI literacy in schools, leaving communities unprepared, and of

course he's going to be underserved schools. That's why the AILP three that we're doing with Georgia DA University in the Mayor's office here in Atlanta is going to be a national model in my opinion. So if you guys are interested in your city's interested in that you can get a hold of my office, or get a hold of the mayor's office or Georgia State University School of Business, Dean Phillips office. And we will try to include other cities as we expand the model. We got to make

it work in Atlanta first, I believe we will. By the way, every kid in Atlanta gets Atlanta Hope and it gets a Hope Child Savors account they're going to get can get financial literacy from that account. In AI literacy, seventy five percent of any kid that has money in account at kindergarten is seventy five percent more likely to graduate from college. Hello, and City Group is domiciling those

accounts for us. By the way, so you're going to have mental health in social strain, psychological effects of job and societal instability. I mean, I think half people are depressed right now. I think the vast majority majority of minorities, particularly after Americans, are depressed right now. Can you imagine what happens in poor whites are depressed right now? I think that you know, it's another conversation, uh because you know,

but in how people are acting out on that. But I think they're gonna You're gonna just imagine that on steroids, that depression, that that sense of not being valued or valuable. Economic de you got people lying in them. By the way, it's giving them solutions now economic disparities, AI adoption, uh, potentially winding the gap between the halves and the have nots. Again, not somebody hates you, They just don't care about you. Now,

I'm just gonna give you a positiveness. Just trying to want you, guys to jump off of once the first four over one story building listening to this podcast. If you're if you're a doctor in a small village in rural Africa, a rural Latin America somewhere, a rural Asia, rural somewhere, and you've got you've got no know, no sophistication,

no staff. You're going to have within a couple of years the same solutions mental brain power as Emory University, because you're going to have artificial intelligence and you'll be to help the help patients and a small village and remote and disconnected from the world to solve problems, extend life. We create wellness at the same level that an Emery University would. Isn't that magical? And then you'll have robotics at a fraction of the cost of what early robotics

will cost. You'll have a box getting down little costs where you can do dental surgery and and simple surgeries and laser based surgeries at a little to no costs. Uh in these rural communities. Okay, you can tell I'm really excited about this topic. So you're gonna have uh every examples of disruption, I mean the obvious changes automated checkouts AI and customers service drivers vehicle has talked about that less obvious changes. AI replacing middle management task like

scheduling and analysis. So if you don't like your boss, no problem, they may not be there very long. Okay, that was not a that it was not nice. Number three the opportunity, new job creation and emerging industries again or run through this because his podcast is longer than I thought. I hope you're enjoying this because I am industries and growth potential. Write this down. Now is where we want to get your degrees. This is where we get your certifications. This is where you want to get

your hustle focused healthcare, AI powered diagnostics, telemedicine. My wife used a pad of telemedicine right now, by the way, and her dad, doctor Dalton, he's right now, and her mother Penny Mom. We hard met Amy Dalton and personalized treatment plans. So think about startups creating AI driven cancer

detection tools right. This stuff's happening right now. Think about the watch that you've had from Apple or whatever watch you're wearing, that is that's digitized and it's taking your blood pressure and all that kind of stuff where blood pressure is coming, but is your posts and all that stuff that's in sending messages back through your health app on your phone. I mean that's not a phone, it's a mini computer in your hands. That's it's a smart

literally a smartphone. So healthcare the same thing that's that's going to potentially for job losses in many cases, there's opportunity for reimagining job growth green technology AI optimizing energy usage and advancing sustainability initiatives. This is thinking about smart grids and renewable energy projects, cybersecurity, protecting systems from AI driven attacks. This is going to be a huge business.

Right It's no longer somebody trying to shoot you. Is somebody trying to steal your identity, steal your money, electronically. Think about the risk of cryptocurrency. If somebody gets a hold of your You got your physical cash in your pocket, you got your your credit cards in your pocket, right, somebody still in the key, the digital key. You got drunk one night and you mentioned your key to somebody or somebody you wrote it down, somebody took what you

wrote down. You don't remember what you wrote down. Whatever, You can't access the digital currency that you have. Somebody else can. They can lock you out of it. My brother, Howard Hewitt has had a Facebook account that he got locked out of for six months because he didn't do dual security on his situation at least then he doesn't now, and somebody hacked his system. Not his fault. They hacked his system and was literally talking to his fans. It's

hundreds of thousands of fans like it was him. He could do nothing about it. They were asking He's asking for the asking for money as if he's Howard Hewitt. It wasn't Howard. Howardodn't ask you for any money. It was maddening to him, but he could do nothing about it. This is just a very small We got to finally help him get his identity back. I'll get his page back. Took almost six months and he was at it every day. And this is this is a Grammy Award winning superstar imagining.

This is an average a person, every day person who somebody steals your identity. All right, Uh, so cybersecurity is going to be huge and it's a business for people that he can start. Is a career as a business, it's not just negative as a positive. So ethical hackers and cybersecurity analysis analysts are going to be a big business. Uh again, you want to pull down the report from the AI Ethics Council. It will be on our website

this week. Uh, where we do a whole report on on on ethical issues tied tied to AIU, what you should do about it, which you should look out for and and so we cover this ground, but we don't we don't cover the opportunity as much as why I'm doing this podcast. But download the report on the AI Ethics Council website, number number four. AI Ethics and Regulation, ensuring Fairness and transparency and AI Systems creating ethical frameworks

for automated decision making. So again you want to download our report of the AI Ethics Council is but one example. Number five AI operations and maintenance, supporting and maintaining AI systems, robotic technicians, and AI trainers. So there's gonna be seventy five million jobs proofs that were gonna go away because of AI. But they've gone probably pretty eighty five million jobs, eighty eight million jobs. I think as a number member, it's going to be created by AI. See what I'm saying. So,

but the but is not a one for one. It's not like you've got you lost a job. Now you get a job. Somebody's gonna lose a job. Somebody else may get a job. It may not be you unless you get these skills. I'm talking about creative industries. Number six, enhancing human creativity through AI. I talked to member. I talked about the losses in entertainment and creative spaces and also talked about the gains personalized content creating creation platforms.

Networks are communications. Networks are going to change. You have increasingly people like me and Shannon Sharp and Van Jones and Steven A. Smith. These are friends of mine and Charlemagne, that god who run who runs the Black Network that I'm on the board of. This I'm on his platform right now. You know, all these podcasters, they're creating their own following, their own subscribers, their own products, their own

you know networks, if you will. Right, these are and we're using technology, and we're using robotics and you know, so on and so forth and AI tools, et cetera. So if you're not part of the solution, if you're not part of the future, you're going to be run over it by it. Okay, So skills for the future,

hard skills. Okay, kids, listen to me now, coding, AI development, data analysis, cybersecurity, solve skills, creativity, adaptability, emotional intelligence, like vocational training for AI to specific roles like you know, you know, anything tied to engineering, Like you want to not to go broke. Be an engineer or any kind of engineer, mechanical engineer, computer engineer, any kind of engineer. You will not get broken go broke. I think like

six percent of all engineers are black. Oh no, sorry, six percent of white, six or seven women, six or seven percent of women, and I think three to four percent are black. So there's a huge opportunity to be an engineer. And again you'll you'll make six figures for the rest of your life and like hidden opportunities, AI powered farming, specialized logistics, AI assistant creative projects, not they're not so obvious. But whoever finds that and master that,

you can corner the market. Here's a call to action. What we must do now. We have got to obsess about AI literacy. Encourage everyone to understand AI basics. Listen to this podcast as a as a starting step. One, listen to what Van Jones has a video where we

talked about the five AI apps that he uses. Listen to what he's saying, mostly for creatives, but listen to what he's saying, and listen to people like him and stop listening to dummies like you know we made We tell you gonna be have a real problem with artificial intelligence and robotics criminals. If you're a crook, this is this isould be one of the industries that's going away. You know, I got a mask. You know it's it's it's COVID. I can just wear a mask. Somebody's gonna

nobody can see my face. AI can and it can see right to the pupils, it can go, it can look you know you still your eyes is still visible. Your whole face might be might be covered. In fact, AI can now identify you with a mask on. Look at your iPhone. Now we can now identify you for face ID with your mask on. Think about that. And there's and there's cameras increasingly everywhere. Old school criminals. I don't even know what a new school criminal looks like.

I guess it's cybersecurity. But old school criminals are uh, rob and mug and grab and and and running in stores and grabbing stuff and knocking somebody over the head and running into the cars and doing you know stuff you know, and doing road rage. All that stuff's gone because a camera's got you on and they're coming to get you. They're coming to get you. That's actually a good thing. But anyway, just if you, if your criminal, just stop it right now. Like it's just that, that's

an industry that will get completely disrupted. It's old school gangsters and criminals and whatever. So you've got to become a life a lifetime learner and and focused on reskilling at every age. Community level action introducing AI literacy in schools and vocational programs again, AI Ethics Council and AI l P three. This is what we're doing here in Atlanta to follow our model civil rights public private partnerships,

collaborating with tech companies for accessible training programs. Again follow our model, uh, national action policy advocacy, upskilling programs, universal basic income pilots. Even though I'm you know, not really crazy about the concept of universal basic income. I like

minimum wage, I like living wages. I don't want to guarantee somebody an income, and I think that it strips people of their dignity and without financial literacy, you know, basic income just means you'll spend to that level and then you'll need more. But uh, the tech companies do, like some of the tech tech leaders, when they think that jobs are going to go away, they will give you a grant or a program in the city or state to pilot some of this stuff. And they're going

to at least the're gonna do it. I guess they're do it. You should, the money's there, you should take it. I just don't think that has a long future ahead of it. Ethical rewriting, ethical AI regulations is going to be done in the city, state, federal, international level. Again, that's what some of the things we're doing. The AI ethics Council, follow a little bit of what we're doing and download our report and read every inch of it.

Expanding broadband access and digital inclusion programs nonprofits and community based organizations. You may need to rewrite a little bit of your future history about what you're going to focus on. Maybe you should be focusing on some of this stuff. The greatest wealth building opportunity of this era will come from embracing technology, not fearing it. Together, we can ensure that AI isn't just for some of us, it's for

all of us. The pain of disruption and the opportunities and new industries in ROWS is unfortunately right in front of us. The future is in something we Inherit is something we build. And so if you wait and wait and wait, you're going to get hit by the weight again. If you're not out of the table, you're on the menu. But you can make a change. Rainbows only follow storms. You cannot have a rainbow without a storm first. So

let's make this a call to action. Share this podcast, start a conversation, explore resources from Operation Hope and the AI Ethics Council and AILP three and other innovative heroes and she rows and doers from the streets of the suites and backs that are trying to create opportunity for people at scale and planning for the future that we will all have together. Uh AI is for all of us. Let's make sure that no one gets left behind. This is John O'Bryant. This was AI for Dummies, which started

with me. I was a dummy and I am trying to learn as fast as I can. And what I know is nobody else knows anything either, So that just makes me comfortable. But if you hustle, and you understand what I say on my this T shirt here, nobody cares work harder. If you've got these these these concepts in your in your your spirit, you work hard. You've got hustle. You understand that only in the dictionary does the word success coming for the word work, because it's alphabetical.

And you understand we're all starting at the same uneven place, and that you have a chance to go become the next Edison or uh the next Steve Jobs or the next uh Oprah Winfrey and the new creative space or you know, the next hero or Shero. All these industries are going to get disrupted. Everything is I can't under I can't explain this, underscore this more that I'm saying this simply, but I can't. I'd want to say it ten times. I just know that maybe you just need

to hear it one slowly. Every industry in the world is going to get disrupted. Pick one. When you're getting run out of town, get in front of the crowd and make like a parade. Turn your problem or somebody else's into an opportunity. By the way, that's what capitalism is. Capitalism is solving problems with people. Had nappy here, somebody created a comb Can you create an AI digital com for the future. Okay, I'm stopping John O'Briant. This is Money and Wealth on the Black Effect Network and this

is my podcast series for twenty twenty five. iHeartRadio. Let's Go Money and Wealth with John O'Brien is a production of the Black Effect Podcast Network. For more podcasts from the Black Effect Podcast Network, visit the iHeartRadio app, Apple Podcasts, or wherever you listen to your favorite shows.