AI is getting smarter, but are we ready? Today we deep dive into the evolution of tools like ChatGPT—from early, academic-sounding outputs to more recent capabilities that include humor, sarcasm, and nuanced storytelling. We explore how AI is rapidly improving but still faces a gap in practical, transformative use cases for the average person. The adoption curve is slow, but so it has been for past innovations like video games, the internet, and crypto. While AI is becoming more accessible, it hasn’t yet reached full mainstream integration, but it eventually will. Today we discuss...
- The explosion of AI interest since ChatGPT’s launch and its shift from novelty to everyday tool.
- How AI is getting better at sarcasm, creativity, and sounding more human unlike early AI with bland writing and a poor grasp of humor and nuance.
- The challenge of finding truly impactful AI use cases beyond convenience tools.
- The tech adoption spectrum, from everyday users to coders, and how AI fits into that.
- How AI follows a familiar tech adoption curve—past early adopters, not yet fully mainstream.
- Comparisons between AI today and early stages of gaming, internet, or crypto adoption.
- The idea that we’re still just scratching the surface of what AI can do in daily life.
- ChatGPT commands the most attention, Claude comes in a distant second, and Gemini is barely on the radar.
- Google is quietly testing a lead generation product (likely Local Services Ads) as a new revenue source.
- AI hasn’t yet reached the point of autonomously solving problems without user guidance.
- AI tools can produce mediocre output by default but become shockingly good with proper input and structure.
- AI isn’t replacing jobs yet, but people who know how to use AI are replacing those who don’t.
- There are viral examples of teens using AI to launch apps with multi-million dollar revenues.
- The more specific the prompt, the better the AI’s output—clarity is key.
- Business tasks like running scenarios, correlations, and planning can be done instantly with AI.
- There’s huge potential for public-facing AI avatars to field press, lead webinars, or handle customer interactions.
- Users respond well to AI when it's honest about being non-human—transparency builds trust.
"Cash is not trash... Cash is King" - Kirk Chisholm
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Today's Guest: Kirk Chisholm
Kirk Chisholm is a Wealth Manager and Principal at Innovative Advisory Group, an independent Registered Investment Advisor located in Lexington, MA. He has been providing wealth management services to individuals, executives, entrepreneurs, and their families since 1999. He is an outside the box thinker, risk manager, inflation expert, blogger, podcaster, and all-around interesting guy. Kirk is dedicated to developing lasting relationships with all of his clients and their families. One of the benefits of working with Kirk is his patience, empathy, and his ability to provide clear and easy-to-understand explanations to complex financial topics.
Kirk developed a unique philosophy for the wealth management industry called Risk Management First. The medical field has a similar way of thinking of “first do no harm”. This philosophy focuses on risk management for clients in all aspects of their lives in ways the industry does not address. Risk management does not stop with investments. It also requires working closely with other professionals to address areas of their financial lives not currently being met.
In 2008, Kirk co-founded Innovative Advisory Group to address the needs not being addressed by the wealth management industry. It started with specializing in alternative assets held in retirement accounts (i.e. self directed IRAs/401ks). Then the company expanded into the specialization of college funding (i.e. planning, strategy, and paying the least possible for a high quality education), Risk Management First, exit planning for business owners, advanced planning (estate, tax, etc), and providing practice management and leadership training to other financial advisors, accountants and attorneys.
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Today's Panelists
- Kirk Chisholm | Innovative Wealth
- Douglas Heagren | Mergent College Advisors