Kakeibo Ledger™: Sometimes the Best Technology Gets Out of Your Way I have been fascinated by Japanese approaches to money, life and human flourishing for a long time. I use Ikigai in life planning. I use Kokoro as a way of thinking about alignment between mind, body, heart and spirit. Even the Academy’s GAME Plan … Continue reading Kakeibo Ledger™: A Free Budgeting Tool Built for Human Agency
Tag: ai
The Recoverer™ Is Now Live on Academy OS – FREE
Do everything you can, yourself, before you hand this to anyone else. When someone loses money to investment fraud, the first instinct is often to find an expert. A solicitor. A recovery firm. A claims company. Someone who knows what to do. Sometimes that support is necessary. But there is an important question that should … Continue reading The Recoverer™ Is Now Live on Academy OS – FREE
Do You Need a Financial Adviser — Or Just Your Agency Back?
Why a temporary period of complexity should not automatically become a lifetime of advised dependency Most people do not wake up one morning and decide: “I would like to outsource my financial judgement for the rest of my life.” Something usually happens first. A bereavement. A divorce. Retirement. Redundancy. An inheritance. A pension decision. A … Continue reading Do You Need a Financial Adviser — Or Just Your Agency Back?
The Future of Legal AI Should Not Be Better Lawyers. It Should Be Stronger Citizens.
Explore Goliathon and start building the capability to understand your own case before deciding your next move. Johan Häger, CEO and Co-founder of Aloi AI, recently made an important observation about the future of legal services. His argument is that the law firm of the future should not simply produce more legal output. It should … Continue reading The Future of Legal AI Should Not Be Better Lawyers. It Should Be Stronger Citizens.
Vulnerability Should Trigger Support, Not Dependency
What disability rights, FCA regulation and financial planning can teach us about restoring human agency Most people, some of the time, will struggle to make an important decision. Not because they are incapable. Because life happens. Bereavement. Illness. Divorce. Redundancy. Scam victimisation. Retirement. Debt. Cognitive overload. A complex pension decision. A court dispute. A financial … Continue reading Vulnerability Should Trigger Support, Not Dependency
The Right to Cognitive Assistance
Why the principle of supported decision-making should not stop at disability — or at AI We already accept a remarkable principle in law. When somebody may struggle to make an important decision, the first response should not necessarily be: “Someone else should decide for you.” It should be: “What support would help you decide for … Continue reading The Right to Cognitive Assistance
Do Not Protect Us From the Power to Protect Ourselves
The EU AI Act, the Right to Cognitive Assistance and why restoring human agency must not become “high-risk” Something potentially very important is happening in European AI regulation. And almost nobody outside the AI policy world appears to be talking about it. The EU AI Act is no longer a proposal. It is law. What … Continue reading Do Not Protect Us From the Power to Protect Ourselves
Know What You’re Receiving Before You Act on It
We regulate the difference between information, education, guidance, promotion and financial advice. Perhaps it is time we taught the public the difference too. BIG Checker doesn’t just ask “Is this true?”It asks “What is this, who benefits, and why should you believe it?” More than half of people who acted on financial advice they encountered … Continue reading Know What You’re Receiving Before You Act on It
The Financial Planning Business Model Parliament Could Imagine — But Not Believe Would Work
Non-intermediating financial planning is older than my career. AI may finally make it economically obvious. I joined Refuge Assurance as an actuarial student in 1982. At the time, Professor Laurence Gower was already conducting the Review of Investor Protection that would help reshape British financial regulation. So there is an irony I had never appreciated … Continue reading The Financial Planning Business Model Parliament Could Imagine — But Not Believe Would Work
Longer Lives Need Better Navigation — Not Longer Dependency
Where do you think helpful financial support crosses the line into dependency? We extended life. But we did not redesign financial planning around it. That is the central argument in Simon Chan’s recent article on how longer lives are changing what people need from financial advisers. It is an important argument, and much of it … Continue reading Longer Lives Need Better Navigation — Not Longer Dependency
