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: artificial-intelligence
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
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
When the Trusted Adviser Is Not the Adviser
You Checked the FCA Register. You Were Still Scammed. From Advice to Agency A message arrives on WhatsApp. The sender appears to be a regulated financial adviser. They use the adviser’s real name, photograph, FCA registration number and company details. They recommend an investment. They create urgency. They tell you where to transfer the money. … Continue reading When the Trusted Adviser Is Not the Adviser
Financial Iceberg: ChatGPT Exposes Hidden Truths
Today I came across this post on LinkedIn: I ACCIDENTALLY UNLOCKED "GOD MODE" IN CHATGPT,AND IT STARTED TEACHING ME THINGS I DIDN'T KNEW EXISTED.HERE ARE THOSE 7 CHATGPT PROMPTS THAT WILL CHANGE EVERYTHING FOR YOU:Forbidden Wisdom DecoderPrompt:What are the lesser-known, under-the-surface truths about [insert topic/field] that are rarely shared publicly because they challenge mainstream thinking? … Continue reading Financial Iceberg: ChatGPT Exposes Hidden Truths
Could You Make a Living Teaching Citizens to Use AI—Instead of Managing Their Money for Them?
From Assets Under Management to Agency Under Development. For decades, the financial-services business model has been built around a simple proposition: People do not understand money well enough to manage it themselves. So they should delegate. Delegate the analysis.Delegate the decisions.Delegate the implementation.Delegate the ongoing management. Then pay someone, often indefinitely, for the privilege. Artificial … Continue reading Could You Make a Living Teaching Citizens to Use AI—Instead of Managing Their Money for Them?
Academy of Life Planning 