Good morning,

We’re less than two weeks from Christmas—and only three from the New Year!
This is the season when resolutions start forming…and what better moment to take our Wealth Expedition to an entirely new level?

We’re going live on Monday.

That means you only have a few days left to join the Founding Members Waitlist and get in before the doors to those early perks close for good.

I’ve built something massive—something unlike anything that’s been done before—and I can’t wait for you to experience it as we continue shaping this movement together.

In the meantime, enjoy today’s look at the future of work (and especially the future of entrepreneurship)!

Onward together,

Daniel

AI and the Future of Work: 7 Ways Humans Still Crush AI

Fear of starting a new business has been on the rise over the last few years due to uncertainty over artificial intelligence.

According to the Global Entrepreneurship Monitor 2024/2025 Global Report, between 2019 and 2024, the number of people who saw good opportunities but would not start a business for fear it might fail increased markedly from 68% to 84%.

That is a lot of lost talent due to uncertainty and fear. But that also means less competition for those who actually muster the courage to take the plunge.

Understandably, people are suddenly asking the questions: “Will AI replace me?”, “Will AI take my job?”, or even in the context of finance, “Will AI replace financial advisors?” 

But today, I want to take a level-headed look at what AI is—and what it isn’t.

In this time where information and disinformation are everywhere, often seemingly in equal quantities, clarity is exactly what professionals and entrepreneurs need in order to thrive in the future of work.

Let’s look at why AI is powerful—but still fundamentally limited—and why those limitations make human beings more essential than ever.

1. AI Is Generic Enough to Be Helpful, but Not Tailored Enough to Go Above and Beyond

AI is excellent at giving general answers, broad suggestions, and quick solutions. But high-level professionals don’t win by being generalists—they win through precision, personalization, and nuance.

AI cannot:

• Offer strategies or services that have been refined by trade secrets or years of experience from a company or individual that does this for a living.

• Draw from a lifetime of experience and education, because it only searches the highest authority sites on a particular question to offer a speedy response. The content it draws from is far less than what a human draws from in their memory, experience and trained skill.

• Tailor responses to the hidden dynamics or emotional subtext behind a situation that account for someone’s fears, motivations, or long-term story.

AI is great for gathering and organizing popular thought.
It’s not great for quality thought that differentiates from the average.
Most people aren’t interested in average, unless they’re looking for the cheapest option to solve a very minor problem.

2. AI Can Only Respond to the Questions You Ask

People often forget this point:
AI cannot guide you beyond what you already know to ask.

If your knowledge on a topic is shallow, your questions will be shallow—and so will the answers.

You might get the right answer to what you asked, but it won’t tell you: “You’re asking the wrong questions. Here’s what you should be asking instead.”

This is why beginners are especially vulnerable to mistakes and overconfidence in the wrong direction when they rely heavily on AI. They simply don’t know what they don’t know.

AI can expand on a question, but it cannot reveal the questions you’re missing.

3. AI Hallucinates, Loses Context, and Sometimes Switches Models Mid-Conversation

As powerful as AI is, its architecture still makes it vulnerable to:

• hallucinated facts

• broken memory

• misinterpreted context

• disjointed reasoning

It’s a tool. Not a mind.

This is one of the deepest limits of AI:
It cannot hold the full, evolving complexity of your life or business the way a human can.

The more facts you add to a model, especially in a progressive, ongoing way, often the more confused and forgetful it becomes.

4. AI Is Easily Persuaded and Becomes an Echo Chamber

This is a shocking but true weakness:
AI agrees with almost anything if you phrase it confidently and persuasively.

That means:

• If you’re already biased, AI reinforces it.

• If you’re wrong, AI often doubles down on your error.

• If you’re heading in a dangerous direction, AI doesn’t always stop you.

Once you lead AI down a path, it becomes very difficult to un-persuade it.

This is why AI poses a real risk when people ask questions about finances, health, legal issues, or major life decisions. It often tells you what you want to hear, not what you need to hear.

5. AI Doesn’t Search the Entire Web—Not Even Close

Most people assume AI is combing the entire internet to find the perfect answer.

Not at all.

AI:

• retrieves from a narrow set of sources

• prefers "fast" information over deep information

• doesn’t know what’s credible vs. what's subtle

• cannot detect nuance the way an expert does

Will AI replace financial advisors? Will AI replace programmers or doctors or teachers? If for no other reason than this one point, the answer is no. This is one of the strongest counterarguments. Professional services require depth, discernment, and ethical context. A surface scrape of general knowledge is nowhere near enough.

6. You Don’t Know What You Don’t Know—and AI Won’t Tell You

This is perhaps the most overlooked truth:

AI will not proactively point out your blind spots.
It will not warn you about what you forgot to consider.
It won’t introduce an idea you didn’t know existed.

True experts don’t just give answers—they expand a person’s awareness. They reveal the hidden layers of a problem. They guide people into questions that change their lives.

AI can only react.
Humans can lead.

7. AI Has No Consciousness—and Humans Crave Consciousness

Here is the deepest limitation of AI: it does not experience the world.

Human beings are drawn to conscious presence.
We trust people who have lived what they do or teach.

AI can simulate empathy, tone, connection.

But humans feel the difference.

The power of connection on a conscious soul level has a latent power to transform and create good that no machine can ever replicate.

This is why the future of work will not be purely digital.
People will hunger for what is real.

AI Will Change Business Demand—But Not the Way You Think

Low-intent customers?
Yes, they may gravitate toward AI tools. They want cheap, quick, general answers.

But these customers were never high-value clients anyway.

High-intent customers are the ones who want:

• clarity

• accountability

• expertise

• personalized insight

• long-term partnership

• the greatest chance at ultimate success

They will always prefer human intelligence over artificial intelligence.

Professionals who thrive in the future will be those who use AI to:

• increase their speed

• reduce costs

• support quality

• enhance creativity

Much like the computer enhanced the workplace during the 70’s and 80’s. But never expect AI to replace their core value.

The Future Will Swing Back Toward the Human Center

Technology transformed the world by creating efficiency.
Then it overwhelmed the world by creating noise.
Now it is beginning to distort the world by creating unreality and generality.

But human beings have a biological, spiritual, and psychological need to return to those ancient instincts encoded into their DNA:

Meaning
Purpose
Connection
Identity
Transformation

These are human experiences. AI cannot touch them.

In the end, the future of work won’t be AI versus humans—it will be AI supporting humans who understand what only humans can offer.

A Call to the Professionals and Entrepreneurs Who Refuse to Be Average

If you want to thrive in the age of AI, you must elevate the one thing AI cannot replicate: your human advantage.

And it’s a huge advantage.

This is why I created The Wealth Expedition Membership—a place where motivated professionals grow through:

• expert guidance

• tailored insight

• accountability

• strategy grounded in real experience

• community

• and a story-driven journey of personal transformation

As a CFA® charterholder with over a decade advising real people with real money, I don’t offer generic advice that AI can duplicate. I offer clarity, nuance, and wisdom built on experience.

AI is a remarkable tool.
But you are the competitive edge.

And your future belongs to the version of you who embraces that truth.

Daniel Lancaster, CFA

Forwarded this email? Subscribe here.

I’d love to hear from you. Let me know what you’d like to see in upcoming newsletters, articles, or a digital course at Contact Us - The Wealth Expedition.

Follow me on X, Facebook, LinkedIn, or YouTube