E84 - What Happens When the Economy Doesn't Need Workers Anymore?

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This episode examines Jordi Visser's recent analysis on what AI means for the labor market, why this isn't like previous technological disruptions, and how to position yourself financially when the old rules no longer apply.

We talk through the psychological impact on anyone raised in the meritocracy, why competing against entities that never sleep and improve every six months is fundamentally different than competing against other humans, and what it actually looks like to build a two-year financial runway.

Chapters: 00:00 – Opening segment01:35 – Jordi Visser article introduction 06:45 – The danger of refusing to update with new information 09:15 – I built an arbitrage bot in 12 minutes with zero coding knowledge 14:45 – Q3 2025: GDP up, profits up, employment down 16:30 – "Your labor is no longer required for our prosperity" 19:55 – The original 10,000-year bargain between labor and capital 23:10 – Today's graduates competing against entities 31:45 – Why whole life insurance shines brighter in this environment 40:15 – Uber drivers protesting robo-taxis ten years after disrupting taxis 52:30 – Building your runway 58:00 – Closing thoughts and how to position your assets

Key Takeaways:

This isn't the Industrial Revolution 2.0. Previous disruptions eliminated jobs but created surplus that funded new roles. AI breaks that chain—digital employees don't need wages, don't become consumers, and improve exponentially every six months.

The math changed. A college degree once guaranteed middle-class stability. Now it puts you in direct competition with entities that work 24/7, remember everything, and have no upper bound on capability.

Own assets or get left behind. When capital no longer depends on labor, asset prices can rise indefinitely while wages stagnate. Position yourself on the side of the equation that benefits.

Build your runway now. Hans tracks daily burn rate and is targeting two years of expenses in emergency reserves. Calculate yours: monthly expenses ÷ 30 = daily burn. Emergency fund ÷ daily burn = runway in days.

Protect, save, grow still applies—maybe more than ever. Guaranteed growth vehicles, physical precious metals, crypto, rental properties, and options trading all have a place in a portfolio built for uncertainty.

The social contract between labor and capital has held for 10,000 years: work generates value, value generates wages, wages generate surplus. Q3 2025 may have broken that contract permanently. GDP grew 4.3%, corporate profits hit record highs—and job growth collapsed to near zero. For the first time in history, the economy is thriving without creating jobs.