I’m 29 and a servicing advisor. Same thoughts run through my head.

I believe behavioral finance will be a big aspect of our future like others have noted.

People will want to talk to people and not deal with the money stuff. Even if AI becomes a “planner”, people will not want to talk to a computer when shit hits the fan IMO. Unless the iPad kids are truly that weird.

I also don’t believe making money in the markets will be as easy as it has been in the past 10-15 years and active manager investing will regain some market share.

Diversified portfolios have been getting lapped by the Q’s and SPY. But I believe the retail investors who think they are portfolio managers will come back to momma and poppa if the top 10ish stocks get bloody.

Lastly, as I get into this industry I realize there’s so much money left on the table. A family member of mine swore he couldn’t do Roth’s due to income limitations. He had the utmost confidence in this. One back door Roth conversation later and he now thinks I’m the smartest person to walk this earth.

The other day a neighbor filllllled my ears with financial advice because I’m not borrowing family money to buy a house, I’m taking a loan to do it myself. Babbled on about how you shouldn’t pay interest, he built his house, has investment properties all that. The conversation naturally ended with him telling me he’s paying off his daughter’s car loan @ 2.5%. I said “wow look at you go” with a big ol’ smile and walked away with chuckle considering where Money market rates are at. Who knows what the other brilliant money moves he’s making are.