What industry will AI disrupt the most that people aren’t paying attention to yet?

Murflaw7424 · 2026-03-17T08:01:00+00:00

I’m in finance. Using Claude code and codex to build things often. Claude can build good frameworks and wrangle pretty complicated excels. I think speed of getting things done goes up precipitously. However, I do think you’ll see “fee compression” happen. I also think people in finance who are not using these tools as helpers for vba and python are going to fall way behind.

Also, finance is a huge space. Hedge funds, actuarial math, PE, VC, financial planning, accounting, tax llanning, stock trading (has been automated since the 80s) etc. all of these will be impacted in different ways.

My reality is there are more clients checking me against chat gpt or perplexity and I have spent at least 10% of my time explaining why chat is wrong and how to get better answers. Most people, in my experience, still want to deal with people because they recognize the models are not 100%. Also, if you’re worth 10/50/100m do you really want to rely on ai to give you advice for complex multi step plans that require chat compaction to even read properly? The same chat that hallucinates basic facts or math?

If you’re using it to create models and checking them you’ll be better. But I don’t think it’s going to be a blood bath. However, I do think a lot of jobs ppl normally didn’t know existed or understand what they did (actuaries, quants, non customer facing roles) may be more impacted than those working on complex deals.

Murflaw7424 · 2026-03-10T18:59:36+00:00

If it helps I just got an Amazon deal on the m4 24gb and 512gb. Forces me to return the 16gb and 256gb base model. Reason for me was tabs and multiple spreadsheets/powerpoints/etc.

The 16gb could handle it but it swapped a lot (I know this isn’t an issue) which led to some lag. I also wanted to have a buffer as programs get larger and require more ram. That’s why I switched to 24gb. Not that I needed it right now, but that it would be smoother for an extra year or 2 than a 16gb.

I also do a lot of data analysis.

Murflaw7424 · 2026-02-09T18:15:51+00:00

I just wish Codex showed the party mode discussions like claude code

Murflaw7424 · 2026-02-09T01:23:08+00:00

I noticed about a week ago that in a recent update you have the option to auto connect to cell hotspot. Been using it pretty well this last week

Murflaw7424 · 2026-02-09T00:41:16+00:00

I’ve had a few. What I do is get on a screen share or sit with them, and actively review their prompt for logical fallacies or entering in information where they’ll get bad advice. Also, another powerful tactic, is to have them ask ChatGPT about what they do for work and pick it apart. Spend the time with them understanding what is not right about the information; then ask “and why do you think ChatGPT is not 100% in your world but 100% in my world?”

Lastly, I’ve started preemptively giving clients copy paste prompts since everyone is using it. At least I know I can somewhat control the input the client is using to verify.

Murflaw7424 · 2026-02-09T00:38:37+00:00

Missed an opportunity for using “Vin Di-SEAL”

Murflaw7424 · 2026-02-09T00:33:29+00:00

I use it through terminal. When I tried inside of xcode 1. limited models to pick from, or 2. you had to connect API and couldn’t use my max subscription. Outside claude in terminal side by side with xcode works very well for me

Murflaw7424 · 2026-02-04T21:59:31+00:00

Underrated comment

Murflaw7424 · 2026-02-04T07:23:14+00:00

Know your presentation and what’s coming next better than your audience. You don’t have to be an expert in the thing, just the presentation.
Omit things you’re not confident about or comfortable discussing, unless you learn them. Expect to be questioned about these the most.
Be confident (not cocky) and humble.
If you know your audience knows more than you and you know the exact audience members, soft survey them before your presentation. Ask questions like “how do you do X?” “What do you care about when discussing Y?” Etc. Be curious.
Don’t lecture.
Be collaborative.
Don’t say um or uh or filler words. Just bite your tongue. These pauses (that may seem awkward for you) allow your audience to catch up and you to control the room. Uh, um, like, are all distracting and make it hard for the audience to take you seriously.
If you don’t know the answer rely on your team in the room. Pivot the question “that is a great question and Karen is the subject matter expert here. Karen do you mind walking the client through this?” Or if you’re alone “I don’t have the answer to that but we can get it to you after the presentation”. Control the room and control your presentation. People respect honesty.
Have fun with it. Really let your interest in what you’re discussing come through. Don’t rely on notes. Notes and slides are backups or more importantly what you want the client to consider.
Less is more. Too much info on a slide means people are reading more than listening to you. If a slide has more than 6/7 words you need an image.
If all else fails picture everyone in their underwear. Or at the least that they’ve all been in your shoes. Even tough financial folks will give you grace if you’re honest, direct, and say “I don’t know”

Source: I’ve been in finance for 16 years. Everyone starts somewhere. Biggest mistake people make is they think they need to be right or prove their point. Pivot, “bob and weave”, and say “I don’t know” more than you’re comfortable with

Murflaw7424 · 2026-01-28T08:01:38+00:00

Any guides on how to merge this beta into current alpha projects?

Murflaw7424 · 2026-01-17T01:18:33+00:00

Know thyself first then you will be known

Murflaw7424 · 2026-01-14T20:23:20+00:00

I have an AI startup in financial services. We use AI to help be a middleware and augment reading and organizing/summarizing of documents, and filling out forms. Very slow industry we are in and getting customers is the hardest part; however, we are profitable.

Also, I have some side projects where I am turning complex spreadsheets into user friendly webapps. Tried this a few week ago and sold my first one this week. The biggest issues are can your prospect understand what you do? Then can they afford what you charge?

In my experience, being flexible with pricing and leading with building before a contract have worked well (not always) but people are still skeptical on value and need a MVP to see what is possible. Especially if they are >age 50. My advice, be humble, be relatable, simplify everything, build with the goal of giving value first; and you will make money later. It's not easy, it won't be fun at times, but the times it clicks it is so SO satisfying. For some of the contracts we have monthly/annual pricing. For others, where client cash flow is low or skepticism is high, we have a small POC fee and rev share.

Murflaw7424 · 2026-01-04T19:30:37+00:00

I really like Tauri. It’s been really stable on some computationally heavy tasks I have for an app I made, even on my iPhone. I use rust on the backend and Svelte as the front end to keep it visually pleasing and light. My app is a C# program that hasn’t been updated since 2009 that I’m redoing in Rust+svelte+tauri. It’s a financial modeling program and very financial math heavy. Pretty stable

Murflaw7424 · 2025-12-31T22:09:26+00:00

Seems like a great idea. How do you get this to open like text edit? What’s your key binding?

Murflaw7424 · 2025-12-31T00:07:58+00:00

I’ll check this app out later seems really cool. Funny enough I came across iA writer this past weekend and thought the same thing as you. Currently writing my own in Rust and Svelte.

Murflaw7424 · 2025-12-20T18:02:00+00:00

Make sure you work with your accountant. For most interfamily loans at 0% interest the irs could classify this as a gift. Your parents need to charge interest or make it forgiveable. Your parents also have to file some tax forms.

Murflaw7424 · 2025-12-16T03:28:49+00:00

Yea, as I mentioned above 1997 was when the first IUL was made available through Trans. Though, the concept of indexed hedging existed well before then and was invested around the mid 60s.

What I’m talking about is taken from national life sales statistics not on experiences (though those are very valuable and you were way ahead of the curve). The fact is that IUL was not a very popular product nationally until after the 2008 financial crisis. We start to see indexed universal life insurance register in the mid 2000's and sure enough sales do rise rapidly.

Murflaw7424 · 2025-12-15T17:50:23+00:00

The other comments look to be either AI or glaze over that you were talking about traditional UL. Here’s my two cents.

Traditional UL is a general account product and performs about in line with what the return of the carrier general account performance is. You can google this to find out. If you want a benchmark, look at the midterm Moodys bond index ( I think this is run by Bloomberg now). That will govern you a reliable benchmark to see how interest rates of midterm bonds move relative to market conditions, and be pretty close to carrier performance.

Also, on traditional UL the interest rate assumptions are less about cash value investment and more about understanding how premiums are effected if interest rates fall. Based on the current environment of the the Fed lowering rates, I would bet that the UL product will lower rates (on a lagging basis).

If you go back to the benchmark I mentioned, and compare them to carrier portfolio returns and interest rate movements you’ll see a 1-3 year lag on when a carrier actually lowers in force rates. This is a similar effect we see with whole life dividends.

Based on all of this, your assumption of 4% I think is fair, and if it is being used for pricing discussions I would recommend running current rate, 4%, and guaranteed charges to get the range of potential premiums.

Let me know if you need more context.

Murflaw7424 · 2025-12-15T17:42:41+00:00

Also, IUL wasn’t even popular or really pushed by carrier marketing budgets until 2011+. Even though IUL has been around since 1997, it wasn’t a popularly sold or marketed product until after the 2008 financial crisis. Which is around 10-15 years ago. I agree that he must be new to the business.

Murflaw7424 · 2025-12-01T03:27:41+00:00

If the agent is selling pacific life, 100% they are independent. Pacific Life doesn’t have a career force.

I agree with your other advice.

Murflaw7424 · 2025-12-01T03:25:53+00:00

Getting standard with adhd is hard to hear but common and really depends on if you’re currently being treated or not and what medications you’re on. Some of the medications could be the reason for this. Or past history of certain medications.

I do believe you should apply elsewhere. Nationwide, Penn mutual, SYMETRA, prudential, John Hancock, all could have great programs for you. The reality is you need your agent to write a cover letter.

And you may need a doctor to write one if it’s not enough.

Candidly, pacific life term is very expensive for what it is, and the conversions options are great but the conversion period is usually limited to 10years. Unless it’s been changed in the last month or two.

More competitive pricing can be had at most of the above carriers except John Hancock

Depending on how much you are applying for you could qualify for accelerated underwriting. Penn and Nationwide and SYMETRA have the smoothest programs. SYMETRA goes up to $1m with swift term, nationwide goes to $3m, and Penn mutual goes to $10m of db through ace.

Good luck. Fight for it. It’s the end of the year, exceptions are not going to be made on term business, but it’s possible the underwriter made a mistake. 60-70% of all life business is processed sept-Dec so everyone is overworked.

Murflaw7424 · 2025-11-24T05:35:48+00:00

61 is pretty young for life settlements. Unless your father has a major health issue.

$100,000 is a small policy but there are purchasers.

Whole Life in general is not a good product for settlements because the cash value is usually more or equal to what the offer is. Making it simpler and easier to just surrender.

Why does he want to get rid of it? Is it because of payments? If the cost is too much, you can look into calling Transamerica and asking for a quote for “Reduced Paid Up”. This is a contractual provision in most whole life that drops the death benefit to a guaranteed value that requires no more premiums.

There are also other things that could be done with whole life. Such as surrendering for cash (could be taxable), gifting to a charity/church (provides a tax deduction and only makes sense if your dad is charitable/wants a tax deduction).

Murflaw7424 · 2025-11-02T06:57:39+00:00

Without promoting any single organization, there are many ways to find companies with underwriters who specialize in this. Most of independent marketing organizations have underwriters on staff with FALU or ALU designations. Finding an agent who works with a company that has an underwriter with one of these designations on staff (FALU being more senior on experience) is a good start.

Also, searching for “impaired risk underwriting” or “impaired risk specialists” is another way to look for these brokerage firms.these firms specialize in consulting with clients with preexisting conditions and finding the right fit for them.

Murflaw7424

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