The Breakfast Club - Money & Wealth: The Age of AI

Episode Date: February 2, 2025

The Black Effect Presents... Money & Wealth! In this episode, John explains how the development of AI will impact several different industries in the near future. Get a pen and notepad as John helps you stay ahead of the curve!See omnystudio.com/listener for privacy information.

Do you want to see into the future? Do you want to understand an invisible force that's shaping your life? Do you want to experience the frontiers of what makes us human? On Tech Stuff, we travel from the minds of Congo to the surface of Mars, from conversations with Nobel Prize winners

to the depths of TikTok, to ask burning questions about technology, from high tech to low culture and everywhere in between. Join us. Listen to tech stuff on the iHeartRadio app, Apple podcasts, or wherever you get your podcasts. I'm so sick of hearing men talk about women's basketball. This is Lexi Brown. And Mariah Rose.

And we've got a new podcast, Full Circle. Every Wednesday we're catching you up on what's going on in women's basketball. We've got you with analysis, insight stories, and a little bit of tea. Full Circle is an iHeart Women's Sports production in partnership with Deep Blue Sports and Entertainment. Listen to Full Circle on the iHeart Radio app, Apple podcasts, or wherever you get your podcasts. Presented by Elf Beauty, founding partner of iHeart Women's Sports. Calling all Yellowstone fans. Let's go to work. Let's go to work. Join Bobby Bones on the official Yellowstone podcast

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on the iHeartRadio app, Apple podcasts, or wherever you get your podcasts. Welcome to My Legacy. I'm Martin Luther King III, and together with my wife, Andrea Waters King, and our dear friends, Mark and Craig Kilburger, we explore the personal journeys that shape extraordinary lives.

Join us for heartfelt conversations with remarkable guests like David Oyelowo, Mel Robbins, Martin Sheen, Dr. Sanjay Gupta, and Billy Porter. Listen to My Legacy on the iHeartRadio app, Apple Podcasts, or wherever you get your podcasts. This is My Legacy. Welcome to Money and Wealth with John O'ent, a production of the Black Effect Podcast Network and iHeartRadio. Yo, yo, this is John Hobrient and this is the Money and Wealth podcast series on iHeartRadio on the Black Effect Network.

So here we go, today's episode, AI, artificial intelligence for all of us, navigating the pain and the opportunity of a changing world. AI is sort of like the electricity of our time, powering everything, transforming industries, and altering how we live and how we work. For communities already on the edge, this change could feel like a tsunami

unless we act with intention. Now that sounded like me, right? That sounded just like I said it and wrote it, right? Actually, that was AI acting like me. I asked AY to give me an opening line that sounded like John O'Brien, and there you go. This world is about to fundamentally change. Let me break this down of how I got into this situation.

My friend, my brother, Van Jones, said this might be the ultimate leveler, by the way. He said, 99% of black folks don't know a thing about AI, really, pause. But 99% of white folks don't know a thing about AI either, pause, that we are all starting for the first time with a technology at the same place, lost but convinced that everything is going to change all at once.

And they're completely right. By 2030, the world's going to change as you know it. You heard it here. I didn't say 2050. I didn't say 2080. Within six years time, five years time, actually now, 2025, the world as you know it is gonna fundamentally shift.

And it's shifting underneath your feet right now. And I'm gonna explain some of that to you. How did I get into this? Because my obsession as you know, as I've been saying, financial literacy is the civil rights issue of this generation. I think if Dr. King, God rest his soul, we just celebrated his birthday,

if Dr. King was alive today, he'd be passionate about things like financial literacy as a leveler. It's as important, I believe, as the right to vote. I've been on this mission at Operation HOPE with Operation HOPE and financial literacy and all that comes from it and through it. I've been on this thing for 32 years. It was the largest financial literacy coaching organization in America.

$4.5 billion invested in communities, four million plus clients, 1,500 offices doing financial coaching, advised three US presidents from both parties, recognized by five, known nine, just leaning in on everything from financial coaching on the workplace to financial literacy in schools, children, bank accounts for kids with Mayor Andre Dickens and the City of Atlanta City

Council for every kid in kindergarten, kids accounts in Atlanta, the work we're doing with major employers like Delta Airlines and UPS and the Walmart co-chairing of Financial Literacy for All, the CEO Doug McMillan, the book Financial Literacy for All, the CEO, Doug McMillan, the book Financial Literacy for All, our work in disaster, we're going to California. Just my heart goes out to everybody affected by the fires and particularly the communities in Altadena where a lot of black wealth was lost.

I'm passionate about this issue, hope inside disaster. I work with FEMA creating emergency financial first aid kit. It goes on and on. Freedman's Bank, you've all heard me go on and on and on. Nothing gets me unfocused. Nothing gets me off message. And I get a call from a friend named Sam Altman a few years ago, a couple, three years ago at this point. And I went to go see him at his office in San Francisco

on one of my trips there because I'm just nosy and I wanted to see what he was doing. And he opened up his laptop and he showed me a prototype for something that really at that point was not in the marketplace. I don't even think it was released. And it was what we now call Chat GPT, it's open AI. I didn't really know what was released. It was what we now call Chatch-EBT, this open AI. I didn't really know what I was seeing at that moment.

I just knew it was transformational. He asked me my advice. I said, you should make sure that you introduce this technology. First of all, thanks for asking me for my advice, Sam. Most people don't, who are geniuses. They just think they know everything. But he knows that the smartest people in the world can be so hyper-focused, you can have a blind spot. And a lot of tech leaders have a blind spot called people.

He didn't want to be one of those people who had a blind spot. What should I do? Make sure you're talking to underserved communities. When you go on tour to talk this into the country and the world, go make sure you go into underserved communities. John, when you do it with me, absolutely. Get a call from his office. Sorry, Sam won't be able to do the underserved tour.

He's international right now. I text Sam directly. I'm like, no, brother. You're not doing it for me. You're doing it for yourself. You need to make sure you go to these communities. He said, you're right. Let me think about it. Weeks pass by. Then I get a call from him out of the blue in the middle of the night. I think it was close to midnight. I remember I made a call for that to the East Coast to the middle of the night. I think it was close to midnight. I remember I made a call for that to the East Coast to the president of Clark Atlanta University, Dr. George French, and it was probably two in the morning there. So it was 11, maybe close to midnight. I get this call, hey man, I got to go to the White House to meet with President Biden on my work, et cetera,

two or three days, I think it was. Can I come to, you think I can come to Atlanta after that and have you host a meeting to have this conversation? The only thing I had to say was yes, with no time and no idea I was gonna do it. I hung the phone from him and called Dr. George French at Clock Atlanta where I'm on the board. Dr. French said, absolutely. And three days later, we had Sam Altman

from the White House to our house in Atlanta. For this conversation, the King family's in the house. My friend, Dr. Bernice King is actually on the board of AI Ethics Council now, I'll get to that in a second. The King family's in the house, young family's in the house, all the HBCU presidents, Morehouse, Spellman, Dr. Thomas, and then Dr. Haley Gale, who was president of Spelman at that time, and Dr. Thomas Morehouse, and heroes and sheroes everywhere. And I was terrified, absolutely terrified,

about what I was hearing. And Sam, are there any unintended consequences that can come from this? hearing and Sam, are there any unintended consequences that can come from this? Answer, yes. I know that we'll probably cure cancer within 10 years, but something bad may also happen and I can't tell you what that is. And I respected his honesty and so I knew at that point that I had to change my agenda. It wasn't replacing financial literacy, I had to move it over to include what I now call AI literacy, artificial intelligence. Financial literacy is a civil rights issue of this generation and AI literacy as the civil rights issue of this generation, moving

us from the streets to the suites. And so, soon after that, Sam came to the Hope Level Forum, we announced artificial AI ethics council on stage together. And within a year, we had a plan that we had a board put together, a lot of heroes and sheroes that you respect on that board. I don't want to take a valuable time here going through a resume list, but it's a lot of incredible leaders on that board. And then we just announced something

powerful with Georgia State University and the mayor here at Andre Dickens called it AI LP3, AI literacy project here in Atlanta. Now, all this you're saying, okay, John, this is a nice story, but you told me this is going to change everything. I don't see it yet. Here you go. Two lenses. The anticipated pain. Job losses and societal disruption. Number two.

The opportunity. New industries and jobs emerging in the AI-driven economy. That's why, by the way, we've done AILP3 with Georgia State University, with Morehouse, with Clark Atlanta, Spellman, the mayor's office here, because we're gonna train up a whole new generation of kids from kindergarten with a bank account in kindergarten all the way up through high school, middle school,

high school, and college in Atlanta as an ecosystem to create a farm club for the future and create our own jobs. One way to disrupt the job, destroy it. Let's create our own jobs and anticipate the pain and replace it with promise. Now, let's now get to the pain and why you have to listen to this. Why you tell all your friends to listen to this, you can go right to minute 10 if you like and cut to the chase if you have limited time. Here are industries that will be absolutely disrupted. Manufacturing. AI-driven robotics are going to replace roles on assembly lines, including automobile production.

An example of this is factories utilizing robots for welding and quality control. Haven't you seen the Amazon drones? Haven't you seen these delivery bots that have wheels on it, the robots that are delivering pizzas and things like that in packages. Haven't you seen, I mean, really drones are really preambles to this, by the way. This stuff is sneaking up on you, by the way, right in front of you. Haven't you seen robots doing welding in factory tours as you're looking at your TV set. That used to be people.

Those used to be manual jobs. Now those jobs are automated. So manufacturing is going to be completely disrupted. These are, by the way, these are industries now where you need a high school education, needed a high school education. That's gone now. If you have a high school education and no hustle and no intention in getting a better

education or skill for the future, you're toast. It's not love or hate anymore. It's radical indifference. Nobody's going to care if they hate you or to care for you. I don't care whether you're black, white, red, brown, or yellow. You're not going to see any more green. Again, the color, this is not race-based. This is going to be talent-based and opportunity-based

and understanding-based and hustle-based. And in some ways, people who are underserved are gonna be better positioned. We've been doing so much with so little, so long, we can almost do anything with nothing. And so we got our hustle on 10 when we wake up paranoid. So we might be able to pivot here, particularly in the creative spaces,

and make something out of nothing and a rainbow out of the storm because you cannot have a rainbow without a storm first. Can I get in a man? Yes, I'm preaching. Here's industry number two that will get disrupted. Transportation and logistics. Autonomous vehicles and AI-optimized logistical systems. Let me give you an example of this. Self-driving trucks

in automated warehouse management systems. Now you've already seen self-driving cars being tested. You've already seen self-driving, basically taxis in San Francisco. You've seen these things on television. This stuff's real. I was just at CES conference in Las Vegas as a guest of Delta Airlines, my friend Ed Bastion, and the stuff that they have right now is mind blowing and mind bending around

automation of automobiles. The transportation industry, truckers and Uber drivers, – not Uber – all the driving services, the delivery services, the major transportation services. That's one of the top ten employment sectors in the country. Poof! Gone. Once again, you can deal with a high school education and a minor certification. Now, that job's not going to just completely go away, but it's going to change how that

is. You're not going to be driving the car. You're going to be maybe overseeing a car being driven, overseeing the technology, getting ahead of myself. Again, write this stuff down. Here's a big one. If you're black and brown, I want you to look to the left and look to the right of you and see somebody who will not have a job because the likelihood that somebody that we know is employed in this

sector that I'm about to mention is everything. Retail and customer service. So AI managing inventory, self-checkout systems, and customer interactions is going to be absolutely complete. The takeover is going to be complete. Think about an Amazon Go store eliminating the need for a cashier. You know what an Amazon Go store is? Don't, okay, I did a video on this,

go on my Instagram page and look at the video I did about five months, six months ago, going through airports and there was an Amazon Go shop that I featured, but you don't need to go that far. I want you to think about when you went to CBS recently, or you went to Walgreens recently. In the video version of this podcast, I'm going to drop in some photos

during the video presentation of me in different places, most recently in Las Vegas, where it used to be one sole checkout, self-checkout situation where you scanned yourself. This last place I went to in Las Vegas three, two weeks ago, a hundred percent of the checkout was, it was 10 checkout stations or self checkout with one guy overseeing the 10 to make sure the systems didn't break down and nobody stole anything. That store had a total of, I believe I saw two or three employees.

This was the complete store of Walgreens or CVS, can't remember which one. That store used to have, I don't know, eight people, okay, on the shift, gone, poof, right? Go to a grocery store. And, oh, I was in McDonald's, not in there. I walked past McDonald's in, where was I? I was in Seattle on a layover.

And I walked past a McDonald's. I'm not picking a McDonald's, this is everybody. And there literally was 12, again, I'm gonna show a picture of this, 12 checkouts, self-checkouts. And there was a place where you picked up your food. And there were robots on the other side of the customer service person talking to you

at the counter, handing you your food that was helping to prepare the food. How many jobs do you think that represented at McDonald's before they automated it? There's a restaurant in, I believe it's San Francisco or Oakland, that's 100% robotic, 100% no employees. And I'm told the food's pretty good. They're making hamburgers, American hamburger shop. Check that on my Instagram page as well. Grocery store, you used to go to a grocery store and there were 12 checkout counters and the nice person was talking to you

and there was a line and all this stuff and she bagged it for you or he bagged it for you. You go to a grocery store now. Just watch this now and listen to this and think about this. There's 12 checkout counters. All of them are closed except one, maybe two. And where's the line now? In self-checkout.

Oh, they just, it's almost like positive hurting. You put a frog in, you drop a frog in a pot of hot water, it jumps out. But if you put that frog in some water and slowly just increase the temperature, frog never realizes that it's cooking. I don't want you to cook. I want you to learn how to cook. And that means that before somebody zeroes you, nobody wants to deal with the girl with the attitude, right, the counter. What you want?

I want my food. What can I do for you? I'm busy. I'm on the phone with my boyfriend. What does that have to do with me? The attitude, right? The robots and AI don't complain, don't ask for breaks, don't ask for time off, don't ask for raises, right?

They don't get tired, they don't get attitude, right? It's consistent. And I'm joking, but I'm serious. Do you want to understand an invisible force that's shaping your life? I'm Osvaldo Loshan, one of the new hosts of the long running podcast Tech Stuff. I'm slightly skeptical but obsessively intrigued. And I'm Kara Price, the other new host, and I'm ready to adopt early and often. On Tech Stuff, we travel all the way from the mines of Congo to the surface of Mars to the

dark corners of TikTok to ask and attempt to answer burning questions about technology. One of the kind of tricks for surviving Mars is to live there long enough so that people evolve into Martians. Like data is a very rough proxy for a complex reality. How is it possible that the world's new energy revolution can be based in this place where there's no electricity at night? Oz and I will cut through the noise to bring you the best conversations and deep dives that will help you understand how tech is changing our world and what you need to know

to survive the singularity. So join us. Listen to tech stuff on the iHeartRadio app, Apple podcasts, or wherever you get your podcasts. Everyone's forgotten who runs this valley. Time to remind them. Yellowstone fans step into the Yellowstone universe. Our family legacy is this ranch. And I protect it with my life.

Hosted by Bobby Bones, the official Yellowstone podcast takes you deeper into the franchise that's captivated millions worldwide. Action. takes you deeper into the franchise that's captivated millions worldwide. Action! Explore untold behind-the-scenes stories, exclusive cast interviews, and in-depth discussions about the themes and legacy of Yellowstone. You know, the first stunt is to settle this valley fight and it was all they knew. Whether you're a longtime fan or new to the ranch, Welcome to the Yellowstone.

Bobby Bones has everything you need to stay connected to the Yellowstone phenomenon. I look forward to it. Listen to the official Yellowstone podcast now on the iHeartRadio app, Apple podcasts or wherever you get your podcasts. Let's go to work. Welcome to My Legacy. I'm Martin Luther King III, and together with my wife, Andrea Waters King, and our dear friends, Mark and Craig Kilburger, we explore the personal journeys that shape extraordinary lives. Each week, we'll sit down with inspiring figures like David Oyelowo, Mel Robbins, Martin Sheen, Dr. Sanjay Gupta, and Billy Porter.

And their plus one, their ride or die, as they share stories never heard before about their remarkable journey. Listen to My Legacy on the iHeartRadio app, Apple Podcasts, or wherever you get your podcasts. This is My Legacy. I'm so sick of hearing men talk about women's basketball. If only there were a professional WNBA player with her own podcast I could listen to.

Hey, this is Lexi Brown, WNBA player and professional yapper. And this is Mariah Rose. You may know me from spilling the tea on Hoops for Hotties on TikTok. And we've got a new podcast full circle. Every Wednesday, we're catching you up on what's going on in women's basketball. And not just in the WNBA, but with Athletes Unlimited, Unrivaled, and college basketball. We've got you with analysis, insight stories,

and a little bit of tea. I know you guys have seen a lot of former and current basketball players telling their stories from their point of view, and I just think it's time for the girlies to tap in. We wanna share all of the women's basketball stories that you won't see anywhere else. Tune in to Full Circle, an iHeart Women's Sports

production in partnership with Deep Blue Sports and Entertainment. You can find us on the iHeart Radio app, Apple Podcasts, or wherever you get your podcasts. Presented by Capital One, founding partner of iHeart Women's Sports. women's sports. This is completely serious. All those jobs, poof, gone. That's a high school education, and no soft skill requirements and very little hard skill

requirements, right? You know, you don't need a degree or a certification to do it. Okay? That job? Gone. Number four, food service and hospitality. I've touched on this a little bit, but let me be very specific. Robotic kitchens and self-service kiosks. Think about Flippy, the burger flipping robot, the AI-driven reservation system. You may be calling a reservation system right now and thinking you're talking to a human.

It might be artificial intelligence. This is just mind-blowing how transformative. This AI LP3 we're going to be doing here in Atlanta, we're going to literally go through every industry. We have these kids. Look, AI in sports, not just sports, AI in football, AI in basketball, AI in baseball, AI in soccer, music, AI in rock music. I mean, AI in engineering, mechanical engineering, AI in automotive, AI in healthcare, AI in

beauty. Why? Because every sector is gonna get disrupted. AI in medical care, healthcare, elder care. And have these kids basically help us imagine jobs for the future, which are gonna replace the jobs being produced, being decimated right now. Let me give you a, again, I apologize, I'm not sorry,

I apologize for not completing this list yet. I'll get back to it, but this context is more important than the list, I need you to focus on the list. I'm gonna give you good context, so I scare you straight. Remember how the kids went, we used to send kids to prison on like a day visit to scare them straight so they never ended up in prison? Those kids were like, I remember I got scared straight.

I stole some crayons or something when I was nine or 10 years old, eight, nine, 10 years old in Compton. And the guys, it was Thrifty's drug store back then, the guys were looking from above, pulled me upstairs and closed the door and showed me some cuff links, showed me some handcuffs and said they were gonna call the police and I was going to jail.

I mean, scared the bejeebers out of me. If I'm being truthful, I might have wet my pants. They let me out of there and I swear I was never gonna steal anything again in my life and I never did. And those guys scared the bejeebers out of me, saved me from messing up my whole world where I'm trying to scare you straight

so you create a new world. So from 1850 to 1910, the most valuable thing in the United States was a horse. Horses were everything and everywhere. Transportation, agriculture, that version of an automobile, horsepower, that's where that came from, wealth, class structure, machinery,

it heralds everything. And what were one out of 10 jobs in America back then? A farrier, somebody who changed the hoofs on a horse. So, I don't know, 40, 50% of the entire economy was horse-based from 1850. Why does Atlanta look the way it does? You can't get off the freeway and take a detour because everything turns left, right.

You can't take a straight detour, not a grid system like New York City. Why is it like that? Because it was based on horse paths the horses used to to you know You took a horse not over a hill around a hill Well, what happens in Atlanta now you drive around a hill on a road because they just paved the roads that or you didn't know That you were originally horse paths. Well, anyway horses were everywhere or everything Then the automobile hit in 1901 and there was 100 automobile manufacturers, most of

them went out of business. Henry Ford and a few others survived. Henry Ford created the modern middle class by paying his workers enough to buy the automobiles that they were building. Boom, with creation of the middle class. Within 10 years, horses were no more valuable than glue. Went from the most valuable thing on the planet to invisible, gone, poof. And the most valuable thing you could do with horses,

and I apologize for horse lovers, I didn't do this, I'm just reporting this. By 1910, the most valuable thing you could do in industry and business, other than just having a horse as a hobby, hobby horse, no pun intended, was glue. So it went from everything to nothing. Think about Sears being taken out by Amazon, but just times 100.

Think about Blockbuster being taken out by Netflix, but just time 100, right? Well, we're gonna go from, that took 60 years, from 1850 to 1910. We're talking about from 2004 to 2036 years, not 60 years, poof, everything's going to change top to bottom. And if you're at the table, you're on the menu. I want you at the table.

Here's sector number five, finance and banking, one of the sectors that I'm in. Underwriting loans will be done by artificial intelligence. Managing portfolios and detecting fraud will be done by artificial intelligence. All the documentation and all these papers that get pushed around, and we sign here and do this and do that, which can be messed up with human error and determine risk and assets for a generation and or liability for the bank or the lawyer doing the paperwork or whatever. All that risk is going to be squeezed out of the system.

An example of this is robo-advisors like Wealthfront and Betterment. These are robo-advisors, AI-assisted advisors in the wealth and financial planning space. Wealth management and financial planning space. Number six, legal services. So I'm not just talking about poor people's jobs. These are people with advanced education. These jobs are going to go away or be transformed. Finance and banking, legal services, AI drafting contracts, conducting research, and reviewing documents.

Think about tools like Do Not Pay and log-ins. It's a complete game changer. Accounting, this is a bonus for you on this one. Accounting, I think, half of all accountants are going to be challenged to adapt what they do. Either they'll adapt by empowering themselves to control AI, or they'll be replaced by AI because too much of that can be, hello, automated. Anything that can be automated is completely at risk.

Again, this is a great level of whether you're black or white or rich or poor. This doesn't care. 99% of black folks don't know a thing about AI and 99% of white folks don't know a thing about AI either. It's like AI for dummies and I was the first dummy and I'm not calling you a name. It's what we don't know that we don't know that's killing us. It's what we think we know. It's time to time to learn baby I'm Quincy Jones Guy Rizzo so how'd you get so smart I'm just nosy as hell John I want to know everything about

everything I want you to be nosy about AI. Number seven, healthcare administration automation and billing scheduling and diagnosis. Hello what do you see? Black and brown people, hello, and women, what jobs do you think we're doing in healthcare administration? Right? Think about AI-powered diagnostic systems like IBM Watson computer. We'll do the whole job.

Number eight, agriculture. Autonomous tractors and drones monitoring crops. It doesn't take a lot of imagination even to think about what I'm talking about. You can see it in your mind's eye. By the way, you want to, I don't get distracted, but there's a documentary on the next, there's going to be wars in the world. There may be wars about food and water. And there's a great documentary on that, but I'll save that feature for another day. But it deals with agriculture and this autonomous takeover of running a farm.

So platforms like Jasper and D-A-L-L-E, DALY, are going to transform our system in agriculture. I'm sorry, that's John Deere's AI-enabling farming tool. Sorry about that. Jasper and DALY is my next example, which is media and entertainment, AI-generating content and editing media. I was drafting a document and needed help, and my editing team weren't available. It was late at night, and my friend, Bishop TD Jakes, was like, John, you're a dummy. I thought you were smart.

You know you're a public figure, right? So, AI knows who you are. Ask AI to help you because you're a public figure and say, this is John O'Brien and can you help me? This is the way I think and knows how I think I'm a public figure. Can you help me frame out the answer or how to answer this question or how to get me the background for this question I'm trying to answer so I can then basically finish writing this piece. So I asked a number of questions and it answered

me back the way John O'Brien would answer. It was scary. It sounded just like me because it is me. It's not plagiarism. It is me. It's me asking me about me. That's crazy. Okay, so another thing. Do you know, there's a book, The Future is Faster Than You Think, which my friend Van Jones had me read recently. You should read it. And it talked about how it took 200,000 years to get cognitive ability and 200 years to really get this incredible leaps in society

and within 20 years, it's going to do more than AI is going to do more. It could cause more change and disruption and I think mostly positive change than all that those years in history combined. And in a practical example of this is the best chess players in the world were beaten by an AI in a very short period of time. And then the computer that beat the chess player in AI had another computer learning from that computer. It was another AI learning from the AI that beat the best chess player in the world. And within a short period of time, the new AI beat the first AI in a fraction of the

time. See, it's just compounding, compounding, compounding. It's building on itself. Let's not even get to the point where we're talking about what happens when AI starts thinking for itself. Let's leave that movie and that question for another. You want me to do another episode on this, you let me know and I'll go to part two.

But let me just get to the sweet spot for you, which is the opportunity. And we've seen a number, you know, I've already dealt with media and entertainment. Now there'll be opportunities too, because creativity will be, I think, one of these unique things that might actually be preserved and reimagined by a young generation.

But it won't be lazy creativity. It'll be very thoughtful creativity and multimedia, possibly, too. Number 10, real estate and property management. This is another business I'm in, AI for pricing, virtual tours, and tenant management. This is like Zillow's AI pricing tools. Zillow is a real estate platform that I use and virtual tours. Again, you can imagine this kind of stuff. You go to a door and AI confirms through eye technology, through sight sight or your fingerprints.

You've got the only fingerprints in the world. Yours are the only in the world. When I go to the airport now, it used to take 20, 30 minutes to get through international passport control. Then I got a global entry and it took five minutes, eight minutes to get through passport control where everybody else is standing in line. And now I get through passport control in about two minutes because it looks at my eyes, nothing else.

I used to scan my passport and all that stuff and wait and somebody would ask me questions. Now it scans my eyes and it can tell within five seconds or less that I'm one of eight billion people in the world that's just me and gives me my approval, confirms it's me, yes that's me and I walk out the door and wave at the police officer, the security officer on the way out. It's unbelievably accurate. So think about this at the door of a real estate property you want to see. So it confirms it's you through fingerprints or through eyes. It gives you access, it talks to you through a tour. I mean, it goes on and goes on and goes on.

So let's talk about societal disruptions. The education gaps, lack of AI literacy in schools, leaving communities unprepared. And of course, these are going to be underserved schools. That's why the AILP3 that we're doing with Georgia State University in the Mayor's Office here in Atlanta is going to be a national model, in my opinion.

So if you guys are interested, your city's interest in that, you can get ahold of my office or get ahold of the Mayor's Office or Georgia State University School of Business, Dean Phillips' office. And we will try to include other cities as we expand the model We're gonna make it work in Atlanta first

I believe we will by the way every kid in Atlanta gets Atlanta hope and it gets a whole child savings account They're gonna get a can get financial literacy from that account in AI literacy 75% of any kid that has money in account at Kindergarten is 75% more likely to graduate from college. Hello. And Citigroup is domiciling those accounts for us, by the way. Do you want to understand an invisible force that's shaping your life? I'm Osvaldo Loshan, one of the new hosts of the long running podcast, Tech Stuff. I'm slightly skeptical, but obsessively intrigued. And I'm Kara Price, the other new host.

And I'm ready to adopt early and often. On Tech Stuff, we travel all the way from the mines of Congo to the surface of Mars to the dark corners of TikTok to ask and attempt to answer burning questions about technology. One of the kind of tricks for surviving Mars is to live there long enough so that people evolve into Martians. Like data is a very rough proxy for a complex reality. How is it possible that the world's new energy revolution can be based in this place where

there's no electricity at night? Oz and I will cut through the noise to bring you the best conversations and deep dives that will help you understand how tech is changing our world and what you need to know to survive the singularity. So join us. Listen to tech stuff on the iHeartRadio app, Apple podcasts, or wherever you get your podcasts. Welcome to My Legacy.

I'm Martin Luther King III, and together with my wife, Andrea Waters King, and our dear friends, Mark and Craig Kilburger, we explore the personal journeys that shape extraordinary lives. Each week, we'll sit down with inspiring figures like David Oyelowo, Mel Robbins, Martin Sheen, Dr. Sanjay Gupta, and Billy Porter. And they're plus one, they'll ride or die, as they share stories never heard before about their remarkable journey. Listen to My Legacy on the iHeartRadio app, Apple podcasts, wherever you get your podcasts.

This is My Legacy. I'm so sick of hearing men talk about women's basketball. If only there were a professional WNBA player with her own podcast I could listen to. Hey, this is Lexi Brown, WNBA player and professional yapper. And this is Mariah Rose. You may know me from spilling the tea

on Hoops for Hotties on TikTok. And we've got a new podcast, Full Circle. Every Wednesday, we're catching you up on what's going on in women's basketball. And not just in the WNBA, but with Athletes Unlimited, Unrivaled, and college basketball. We've got you with analysis, inside stories, and a little bit of tea.

I know you guys have seen a lot of former and current basketball players telling their stories from their point of view, and I just think it's time for the girlies to tap in. We want to share all of the women's basketball stories that you won't see anywhere else. Tune in to Full Circle, an iHeart Women's sports production in partnership with Deep Blue Sports and Entertainment. You can find us on the iHeart Radio app, Apple Podcasts,

or wherever you get your podcasts. Presented by Capital One, us on the iHeartRadio app, Apple Podcasts, or wherever you get your podcasts. Presented by Capital One, founding partner of iHeart Women's Sports. Everyone's forgotten who runs this valley. Time to remind them. Yellowstone fans, step into the Yellowstone universe. Our family legacy is this rich. And I'll protect architect of my life.

Hosted by Bobby Bones, the official Yellowstone podcast takes you deeper into the franchise that's captivated millions worldwide. Action. Explore untold behind the scenes stories, exclusive cast interviews, and in-depth discussions about the themes and legacy of Yellowstone. You know, the first studs to settle this valley fight

was all they knew. Whether you're a longtime fan or new to the ranch... Welcome to the Yellowstone. ...Bobby Bones has everything you need to stay connected to the Yellowstone phenomenon. I look forward to it. Listen to the official Yellowstone podcast now on the iHeartRadio app, Apple podcasts, or wherever you get your podcasts.

Let's go to work. So you're going to have mental health and social strain, psychological effects of job loss and societal instability. You're going to have mental health and social strain, psychological effects of job loss, and societal instability. I think half the people who are depressed right now, I think a vast majority of minorities, particularly African Americans, are depressed right now. Can you imagine what happens? Poor whites are depressed right now. I think they're, you know, so another conversation in how people are acting out on that. But I think they're going to, and how people are acting out on that. But I think they're going to, just imagine that on steroids, that depression, that sense of not being valued or valuable.

Economic de- you got people lying to them, by the way, but it's giving them solutions now. Economic disparities, AI adoption, potentially widening the gap between the haves and the have-nots. Again, not somebody hates you, they just don't care about you. Now, I'm just gonna give you a positive on this, just because I don't want you guys to jump off of the first floor of a one-story building

listening to this podcast. If you're a doctor in a small village in rural Africa, or rural Latin America somewhere, or rural Asia, rural somewhere, and you've got no sophistication, no staff. You're gonna have within a couple years the same solutions of mental brain power as Emory University,

because you're gonna have artificial intelligence. And you'll be able to help patients in a small village in remote and disconnected from the world to solve problems, extend life, recreate wellness at the same level that an Emory University would. Isn't that magical? And then you'll have robotics at a fraction of the cost of what early robotics will cost. You'll have robotics getting down to a cost where you can do dental surgery and simple surgeries and laser-based surgeries at little to no

cost in these rural communities. Okay. You can tell I'm really excited about this topic. So you're going to have every example of disruption. I mean, the obvious changes, automated checkouts, AI and customer service, driverless vehicles, talked about that. Less obvious changes. AI replacing middle management, tasks like scheduling and analysis.

So, if you don't like your boss, no problem. They may not be there very long. Okay, that was not nice. Number three, the opportunity, new job creation in emerging industries. Again, I'll run through this because this podcast is longer than I thought. Hope you're enjoying this because I am. Industries and growth potential. Write this down now.

This is where you want to get your degrees. This is where you want to get your certifications. This is where you want to get your hustle focused. Healthcare, AI-powered diagnostics, telemedicine. My wife uses telemedicine right now, by the way—and her dad, Dr. Dalton, he uses it right now, and her mother, the Penny Mom, we call her Amy Dalton—and personalized treatment plans. Think about startups creating AI-driven cancer detection tools.

This stuff's happening right now. Think about the watch that you have from Apple or whatever watch you're wearing that is digitized and is taking your blood pressure and all that kind of stuff, what blood pressure is coming, but your pulse and all that stuff. That's sending messages back to your health app on your phone. I mean, that's not a phone. It's a mini computer in your hand. It's literally a smartphone.

Healthcare, the same thing that's going to potentially be for job losses. In many cases, there's opportunity for reimagining job growth. Green technology, AI optimizing energy usage, and advancing sustainability initiatives. Think about smart grids and renewable energy projects. Cybersecurity, protecting systems from AI-driven attacks. This is going to be a huge business. It's no longer somebody trying to shoot you. It's somebody trying to steal your identity, steal your money electronically.

Think about the risk of a cryptocurrency. Somebody gets a hold of your … You've got your physical cash in your pocket. You've got your credit cards in your pocket. Think about somebody stealing the key, the digital key. You got drunk one night and you mentioned your key to somebody or somebody, you wrote it down, somebody took what you wrote down. You don't remember what you wrote down, whatever. You can't access the digital currency that you have.

Somebody else can. They can lock you out of it. My brother, Howard Hewitt, had a Facebook account that he got locked out of for six months because he didn't do dual security on his situation. At least he didn't. He doesn't now. And somebody hacked his system, not his fault, they hacked his system and was literally talking to his fans, his hundreds of thousands of fans, like it was him.

He could do nothing about it. They were asking, he's asking for money as if he's Howard, they're Howard Hewitt. It wasn't Howard. Howard wouldn't ask you for any money. He was madding to him, but he could do nothing about it. This is just a very small, we got to finally help him get his identity back, get his page back. Took almost six months.

And he was at it every day. And this is, this is a Grammy award winning superstar. Imagine this is an average, average everyday person who somebody steals your identity. All right? So, cybersecurity is going to be huge, and it's a business for people that they can start. It's a career. It's a business. It's not just negative.

It's a positive. So, ethical hackers and cybersecurity analysts are going to be a big business. Again, you want to pull down the report from the AI Ethics Council. It will be on our website this week where we do a whole report on ethical issues tied to AI, what you should do about it, what you should look out for, and so we cover this ground. But we don't cover the opportunity as much as why I'm doing this podcast, but download the report on the AI Ethics Council website.

Number four, AI ethics and regulation, ensuring fairness and transparency in AI systems, creating ethical frameworks for automated decision making. So again, you want to download our report of the AI Ethics Council, is but one example. Number five, AI operations and maintenance. Supporting and maintaining AI systems. Robotic technicians and AI trainers. So, there's going to be 75 million jobs, poof, that are going to go away because of AI. But there's going to probably be 85 million jobs,

88 million jobs, I think is the number I remember, is going to be created by AI. See what I'm saying? But it's not a one for one. It's not like you lost a job, now you get a job. No, somebody's going to lose a job. Somebody else may get a job. It may not be you unless you get these skills I'm talking about.

Creative industries, number six, enhancing human creativity through AI. Remember, I talked about the losses in entertainment and creative spaces and also talked about the gains. Personalized content creation platforms. Networks are—communications networks are going to change. You have increasingly people like me and Shannon Sharp and Van Jones and Stephen A. Smith. These are friends of mine and Charlemagne Nic thank God, who runs the BlackFit Network that I'm on the board of.

I'm on his platform right now. You have all these podcasters. They're creating their own following, their own subscribers, their own products, their own networks, if you will. These are – and we're using technology and we're using robotics and so on and so forth and AI tools, et cetera. If you're not part of the solution, if you're not part of the future, you're going to be run over by it.

Skills for the future, hard skills. Kids, listen to me now. Coding, AI development, data analysis, cybersecurity, soft skills, creativity, adaptability, emotional intelligence, like vocational training for AI to specific roles like, you know, anything tied to engineering. Like you want to not go broke, be an engineer, any kind of engineer, mechanical engineer, computer engineer, any kind of engineer, you will not go broke. I think like 6% of all engineers are black. Oh no, sorry, 6% are white, 6% are white, women,

6% or 7% are women, and I think 3% to 4% are black. So there's a huge opportunity to be an engineer. And again, you'll make six figures for the rest of your life. And like hidden opportunities, AI-powered farming, specialized logistics, AI-assisted creative projects. They're not so obvious, but whoever finds that and master that, you can corner the market. Here's a call to action.

What we must do now, we have got to obsess about AI literacy. Encourage everyone to understand AI basics. Listen to this podcast as a starting step one. Listen to what Ben Jones has a video where he talks about the five AI apps that he uses. Listen to what he's saying. He's mostly for creatives, but listen to what he's saying and listen to people like him and stop listening to dummies. Let me tell you, you're going to have a real problem with artificial intelligence and robotics

Criminals if you're a crook, this is this is to be one of the industries is going away You know people I got a mask, you know, it's it's it's a kovat. I can just wear a mask I'm gonna know I can see my face AI can It can see right to the pupils. Your eyes are still visible. Your whole face might be covered. In fact, AI can now identify you with a mask on.

Look at your iPhone now. It can now identify you for face ID with your mask on. Think about that. There are cameras increasingly everywhere. Old school criminals, I don't even know what a new school criminal looks like. I guess it's cyber security, but old school criminals rob and mug and grab and running in stores and grabbing stuff and knocking somebody over the head

and running into cars and doing, you know, doing road rage, all that stuff's gone because a camera's got you on lock and they're coming to get you. They're coming to get you. That's actually a good thing, but anyway, if you're a criminal, just stop it right now. Like it's just that that's an industry

that will get completely disrupted. It's old school gangsters and criminals and whatever. So you've got to become a lifetime learner and focused on re-skilling at every age. Community-level action. Introducing AI literacy in schools and vocational programs. Again, AI Ethics Council and AI LP3. This is what we're doing here in Atlanta, so follow our model. Civil rights.

Public-private partnerships, collaborating with tech companies for accessible training programs. Again, follow our model. National action, policy advocacy, upscaling programs, universal basic income pilots. Even though I'm not really crazy about the concept of universal basic income, I like minimum wage, I like living wages. I don't want to guarantee somebody an income because I think that it strips people of their dignity.

Without financial literacy, you have basic income just means you'll spend to that level and you'll need more. But the tech companies do like, some of the tech leaders, when they think the jobs are going to go away, they will give you a grant or a program in the city or state to pilot some of this stuff. And they're going to, at least they're going to do it, I guess. If they're going to do it, you should, the money's there, you should take it. I just don't think that is, is a long future ahead of it.

Ethical rewriting, ethical AI regulations is going to be done at the city, state, federal, international level. Again, that's what some of the things we're doing at the AI Ethics Council. Follow a little bit of what we're doing. Again, download our report and read every inch of it. Expanding broadband access and digital inclusion programs, nonprofits and community-based organizations, you may need to rewrite a little bit of your future history about what you're going to focus on. Maybe you should be focusing on some of this stuff.

The greatest wealth building opportunity of this era will come from embracing technology, not fearing it. Together, we can ensure that AI isn't just for some of us, it's for all of us. The pain of disruption and the opportunities of new industries in a rose is unfortunately right in front of us. The future isn't something we inherited, something we build. And so if you wait and wait and wait, you're going to get hit by the weight. Again, if you're not at the table, you're on the menu.

But you can make a change. Rainbows only follow storms. You cannot have a rainbow without a storm first. So let's make this a call to action. Share this podcast. Start a conversation. Explore resources from Operation Hope and the AI Ethics Council and AI LP3 and other innovative heroes and sheroros and doers from

the streets to the suites and back that are trying to create opportunity for people at scale and planning for the future that we will all have together. AI is for all of us. Let's make sure that no one gets left behind. This is John Hope Bryant. This was AI for Dummies, which started with me. I was a dummy and I am trying to learn as fast as I can. What I know is nobody else knows anything either.

That just makes me comfortable. But if you hustle and you understand what I say on this t-shirt here, nobody cares. Work harder. If you've got these concepts in your spirit, you work hard, you've got hustle, you understand that only the dictionary does the word success coming for the word work because it's alphabetical. You understand we're all starting at the same uneven place and that you have a chance to go become the next Edison or the next Steve Jobs or the next Oprah Winfrey in the new creative space or you know the next hero or she row

The I think all these industries are gonna get disrupted everything is I can't understand explain this underscore this more That I'm that I'm saying this simply but I can't I'd want to say it ten times. I just know that Maybe you just need to hear it once slowly. Every industry in the world is going to get disrupted. Pick one. When you're getting run out of town, get in the front of the crowd and make like a parade. Turn your problem or somebody else's to an opportunity.

By the way, that's what capitalism is. Capitalism is solving problems. What's, you know, people had nappy hair, somebody created a comb. Can you create an AI digital comb for the future? Okay, I'm stopping. John O'Brien, this is Money and Wealth on the Black Effect Network.

And this is my podcast series for 2025 on iHeartRadio. Let's go. Money and Wealth with John O'Brien is a production of the Black Effect Podcast Network. For more podcasts from the Black Effect Podcast Network, visit the iHeartRadio app, Apple Podcasts, or wherever you listen to your favorite shows. So So So Do you want to see into the future? Do you want to understand an invisible force that's shaping your life? Do you want to experience the frontiers of what makes us human?

On Tech Stuff, we travel from the minds of Congo to the surface of Mars, from conversations with Nobel Prize winners to the depths of TikTok, to ask burning questions about technology, from high tech to low culture and everywhere in between. Join us. Listen to tech stuff on the iHeartRadio app, Apple podcasts, or wherever you get your podcasts. Welcome to My Legacy. I'm Martin Luther King III, and together with my wife, Andrea Waters King, and our dear friends, Mark and Craig Kilburger, we explore the personal journeys that shape extraordinary lives. Join us for heartfelt conversations with remarkable guests

like David Oyelowo, Mel Robbins, Martin Sheen, Dr. Sanjay Gupta, and Billy Porter. Listen to My Legacy on the iHeartRadio app, Apple Podcasts, or wherever you get your podcasts. This is My Legacy. Calling all Yellowstone fans. Let's go to work. My legacy. family legacy is this ranch. I'm an architect of my life. Listen to the official Yellowstone podcast now on the iHeart Radio app, Apple Podcasts, or wherever you get your podcasts. I'm so sick of hearing men talk about women's basketball. This is Lexi Brown and Mariah Rose. And we've got a new podcast, Full Circle. Every Wednesday we're catching you up on what's going on in women's basketball.

We've got you with analysis, insight stories, and a little bit of tea. Full Circle is an iHeart women's sports production in partnership with Deep Blue Sports and Entertainment. Listen to Full Circle on the iHeart radio app, Apple podcasts, or wherever you get your podcasts. Presented by Elf Beauty, founding partner of iHeart Women's Sports.