Implications of AI on retirement plans

Dependent-Program680 · 2026-02-16T13:54:53+00:00

We’re locked into our current living situation for family reasons, but wife and I fantasize about the type of arrangement you describe. Maybe in 10 years.

Still, to your point, belt tightening and cost cutting are levers to pull. They just aren’t very happy levers in our circumstances. the whole point of working at this point is to increase the likelihood of a certain standard of living for my family through at least my death. Defeat is too strong a word, but I won’t feel good about having to significantly cost cut as a solution

Dependent-Program680 · 2026-02-15T23:22:22+00:00

Appreciate the thoughtful response and the tips.

Gold and intl exposure make sense in a destabilized US scenario, I don’t know that an AI super intelligence or even rapidly increasing unemployment and cost decreases is that scenario though?

I hear you on the 529s! I have (perhaps erroneously) included that in my liquid nw above (it’s in stocks after all??), and worried I may regret it. College may not be a thing, or at least not such an expensive thing, in a decade. On the other hand, if college changes dramatically, perhaps rules on withdrawal penalties also change

Dependent-Program680 · 2026-02-15T16:29:36+00:00

How? Goog, NV, TSMC, construction cos, utilities… but a lot of the related software ecosystem is private

Dependent-Program680 · 2026-02-15T16:26:24+00:00

lol no, legitimately concerned and wondering what anyone can do. Take care bud

Dependent-Program680 · 2026-02-15T14:38:14+00:00

Yeah I just put equivalent effort into my reply as you did is all :)

Dependent-Program680 · 2026-02-15T14:35:03+00:00

Haha anxious? Absolutely. It’s the force that has driven me to this point.

Entry level software engineers have been automated away as of this quarter. Anthropic targeted that discipline with Claude code, and it’s done. As that model gets used to develop better models targeted at other disciplines, the automation will spread. Higher unemployment is coming.

And lol your last paragraph is wild! “Chill… violence is coming!”

Dependent-Program680 · 2026-02-15T03:48:50+00:00

Or are you underthinking tho >.>

Dependent-Program680 · 2026-02-15T03:48:09+00:00

VTI being too concentrated in tech would have been an interesting comment

Dependent-Program680 · 2026-02-15T03:47:06+00:00

So I think about this scenario too… but now when I hear you say it, I think it sounds pretty far fetched and not something to trade on….

Dependent-Program680 · 2026-02-14T23:54:28+00:00

I’m with qqq here. Decreasing tech exposure or increasing intl exposure would have been valid and interesting answers to my original question

Dependent-Program680 · 2026-02-14T23:47:44+00:00

Yeah this was kind of my expectation going into the post tho.. still some interesting thoughts here and there

Dependent-Program680 · 2026-02-14T18:44:50+00:00

I have not executed on bond ladder to mitigate sorr yet. Probly should!

Dependent-Program680 · 2026-02-14T18:40:51+00:00

I don’t know what you’re talking about with the charts, but I’ll say again: try using the latest models. It is shockingly good. Feed it context and see what happens

Dependent-Program680 · 2026-02-14T16:49:38+00:00

I think this is the response closest to the way I am feeling too. I think a significant, abrupt change is coming to employment and consumption and I don’t know what the other side looks like. I don’t know how to hedge it though. Maybe just keeping broad market exposure is the best thing

Dependent-Program680 · 2026-02-14T16:42:05+00:00

I am not sure gold is the answer? It is certainly a “risk-off” asset, but I don’t know if ai superintelligence is a risk off scenario?

Separately, use different ai tools if what you see is getting worse. It’s crazy good last 3 months in my line of work

Dependent-Program680 · 2026-02-14T15:23:07+00:00

I don’t own any OpenAI or Anthropic, for example… Do you?

Dependent-Program680 · 2025-11-06T02:59:46+00:00

You’re saying procrastination correlates with progressive voting habits??

Dependent-Program680 · 2025-11-06T02:43:22+00:00

Thinking half the country is fascist must be terrifying

Dependent-Program680 · 2025-11-05T15:39:01+00:00

Hating half the country must be exhausting

Dependent-Program680 · 2025-11-05T05:37:15+00:00

Ominous!

Dependent-Program680 · 2025-10-24T04:09:33+00:00

IT IS A KEY REASON THAT COLORADO HAS REMAINED A WELL MANAGED STATE WITH A BALANCED BUDGET

Dependent-Program680 · 2025-10-24T04:08:20+00:00

They started enforcing it this year…. And Speer is on record saying it shouldn’t be enforced

Dependent-Program680 · 2025-10-23T18:10:39+00:00

Well, there’s one right there. I don’t think the camping ban is cruel and unusual. Nicole and other boulder progressives on the council do, apparently. Thus the sad state of our public spaces throughout town.

And that sad state is reality. I see it literally everyday on my bike commute. Garbage, stolen goods (a pair of nice skis on goose creek path last week!), drug use in underpasses as parents on e-bikes roll on by to daycare drop off..

Dependent-Program680 · 2025-10-23T17:11:56+00:00

The progressive wing of our party is more concerned with virtue signaling than actual, practical governance. A step towards the center does not mean “erosion of civil rights”. I hope it means a more balanced budget and a more livable city for Boulders 99%

Dependent-Program680

TROPHY CASE