Episode 211

full
Published on:

5th May 2026

Micro-SaaS, Cooperatives, and How to Outlast the AI Takeover

The Industrial Revolution comparison only holds if workers own a slice of what replaces them — and right now, most don't. Jerremy Alexander Newsome and Dave Conley press Ryan Kohler on whether AI is a net jobs creator, and his answer splits cleanly on ownership: the investor and tech class will deploy agents to cut headcount, but individuals who build first keep the value. Sarah Montana argues anyone can speak a business into existence by using AI to fill gaps nobody's serving yet. For a 58-year-old laid-off worker, the path is concrete — get near local problems, stack fractional work across small firms, and build micro-SaaS dashboards from QuickBooks or CRM data by finding a buyer before writing a single line of code. Cooperatives and guilds get named as the mechanism to share knowledge and reclaim spending power outside corporate systems.

Timestamps:

  • (00:00) Industrial Revolution redux – who actually wins when AI scales
  • (00:14) AI creates jobs, maybe – Ryan steelmans the optimistic case
  • (05:58) Cooperatives and guilds – grassroots ownership as the counterweight
  • (09:57) 58, laid off, now what – proximity, fractional work, and a real next step
  • (18:20) Buyer before builder – find the market before you prototype anything

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Transcript
Alex:

Ryan spent two decades building the hiring machine—he

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watched it rot from the inside.

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Jerremy now pushes him to steelman

the hardest argument: if AI

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DESTROYS jobs, does it quietly build

something BIGGER in the wreckage?

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Jerremy Newsome: Steelman the case that

AI creates more jobs than it destroys, I.

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What would that, what

would that look like?

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Make the strongest version of that

argument if you can, and I'll,

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I'll give you a frame of reference.

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The Industrial Revolution, right?

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We go from 99% of the world being

agrarian, farmers, planters,

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harvesters, pickers, right?

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To now less than 1% of the world.

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And that really happened in mid

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1% of the world becomes agrarian.

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What if it creates more jobs?

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And, and then again, to your point earlier

you said it's just gonna impact them.

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You didn't say yes or no positive

or negative, but a lot of people are

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saying, AI is gonna take all the jobs.

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It's gonna move everything.

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But what if it actually makes more, what

does that, what world does that look like?

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Ryan Kohler: So I'll give you the two

cases, and it depends on who, pulls

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the lever, who's in power, right?

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Jerremy Newsome: Fair.

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Yeah.

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Fair.

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Ryan Kohler: because we also have a

brand new economy that's about ready to

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be created that we haven't even thought

of, called the moon and space, which

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is a completely different economy.

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a completely new space, right?

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So there are new spaces

we'll open up, but here's.

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The real question would be, who

is the one leading the charge?

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And those who lead the

charge capture the value.

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So given our current trajectory of

American 1% driving, of capturing the

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value and taxing the economy on this,

if you leave it up to the powers of

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B, the investor class and the tech

class, they're going to consolidate the

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power of AI and therefore consolidate

the gains from the value period.

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So the reason why AI is going to destroy

jobs is because those at the top are

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the ones investing time, money, effort,

energy, to use the new technology to

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solve a problem that they feel they have,

which is the human is a tax on profits and

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we're tired of these fucking employees.

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And how hard it is that they wanna

take a day off, is the trajectory

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we're on Based off of that, they're

going to replace humans with agents.

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Period.

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Full stop.

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That's what they're going to do.

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Now, there is another world of that,

and that is, well, if at the bottom

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layer, the individual employee goes

first, learn AI for themselves.

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They build agents for themselves.

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They take more independence and

responsibility for building these tools.

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Because in most companies,

your boss is an idiot.

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The managers are douches.

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None of them actually

understand AI either.

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So you're at, if you're not in a tech

company, you're at this monumental

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time of who's going to go first and

what, whether you're stoic or however

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you wanna look at this may fortune.

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Find me active and prepared.

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If you want to create luck and

claim value, you go first, not wait

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until somebody else pushes you.

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So if I'm an employee and you wanna

see how does this, if we democratize

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the power and value if employees,

so this year I'm gonna teach a

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million people how to use ai.

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I'm gonna teach them to go first.

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To own the agents, to build their own

agents, to build their own tool set

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that is theirs, not corporate America's.

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If that lower class of worker, not

low class, like literally like from

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a pay scale, if those guys go first,

right now, if they take control of

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ai, they're already building inside

of their own chat GBT accounts.

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It's the progression.

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It's them going, this is good enough.

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If, if they quit saying, my boss

will tell me when I need to do

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this, my boss will pay for it.

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The token use is a great

example that Sarah brought up.

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Like, Hey, look like

that is holding you back.

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We're we're spending, you know, my

kids are spending more on freaking

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Dutch bros and Starbucks than tokens.

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It, it's just a frame of reference.

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Jerremy Newsome: Yeah.

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Ryan Kohler: I spent three

grand a month on token usage.

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I also build like hundreds

of platforms every month.

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It, it's a magic wand,

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Jerremy Newsome: Yeah.

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Getting your reps in

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Ryan Kohler: that's the, the two paths.

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Jerremy Newsome: by the way.

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Ryan Kohler: citizens take control

and say, I will go first, or do we

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lay back and complain and say, the

government should stop these guys

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from doing what they're going to do.

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Jerremy Newsome: Hmm.

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And by the way, great word.

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Great usage of the word doofus.

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I haven't heard that one in a long time.

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Solid vocabulary.

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Yeah.

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Sarah, what about you?

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Ai, it has to make more jobs.

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How is it gonna happen?

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Sarah Montana: Yeah, I think it's

interesting because we're still consumers,

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and so I think what's interesting is

that yes, I think that a lot of the

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organizations are going to have less

employees like that is inevitable.

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But what's amazing about it is that

the individual can go and speak

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their creations into existence.

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So it gives people the

opportunity to go and.

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like, Hey, I don't know

how to build a business.

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I don't know, what I need to do.

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Like build me a marketing team, build

me a CEO, that's smarter than me.

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Like you have the ability to create

the things that you don't have around

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you and put something into existence.

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You can speak a business into existence.

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And so I guess that would be my version

of reality is that everyone takes

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that initiative to, use this as an

opportunity of like, let me build the

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business that I want to create because

there's still consumers out there.

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Ryan Kohler: I think the other

thing is if we, if we want our

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comparable, the problem is what we're

setting out is these two choices.

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can be safe in corporate America

until I'm not safe, and therefore

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I'm giving up my upside.

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For the safety or I can go it alone.

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And we as entrepreneurs, forget

how hard it is to go it alone.

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There's a middle ground.

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If we go back to that, like

farmers used to farm alone

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and then they created co-ops.

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And a co-op was not big

corporate industrialist.

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It was a cooperative these people

working together, sharing the common

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good of all of them in a non-competitive

way to build that power structure up.

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And so really the, if you want the,

here's the course you plot, that

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disrupts the consolidation of power.

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It is step one, you decide,

I'm gonna lean into this.

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And step two, you take proactive

action, start learning.

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And step three, you build your own group.

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You start a book club, you

start a learning club, you

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get other like-minded people.

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The, the real meaning of

mastermind was not guru.

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It was cooperative.

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It was get a group of like-minded people

together working on a common thing.

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IE ai and their brains together as

they share, will create an extra mind

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a, a mastermind there in that room.

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And so if you

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Jerremy Newsome: Yeah.

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Ryan Kohler: path, it is local grassroots

organization of what we're doing.

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A guild that's like, Hey, come

into this builder's guild.

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Let's set up a space.

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Let's get together.

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Let's pool our knowledge and capabilities.

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Let's show each other what we do.

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Let's show and tell and share knowledge

and capabilities so that we can claim

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back the power in an organization.

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Cooperatives were owned by the

members, by big corporate, not by

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the investor class, not by whatever.

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But so if you want the retro throwback,

that's the retro throwback as you go

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back in that instance and you go, cool,

we're gonna create these, these kind

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of loosely assembled cooperatives.

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That are guilds where people

come in and they learn and train

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and we act like a community that

gives a shit about our economy.

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Because what you take the, the younger

class, a great example, if you're a

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college kid right now and you're saying,

this feels like I'm being excluded

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from my future and the economy that,

because that's what it feels like.

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There's 50 million kids

between 16 and 30, right?

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50 million kids who are saying, it feels

like all the adults in the room are

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saying that I'm not necessary or needed.

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Right?

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And therefore I have no opportunity

'cause I need an adult to give

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me permission to get paid.

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that same 50 million kids

currently account for trillions

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of dollars of spending.

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So they just need to stop spending

it by giving it to rich white guys.

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Just take your spending back and give it

to a kid like you, and then go to your

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parents and say, Hey mom and dad, if you

want tell me, pay back my student loans.

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We need to allocate our

resources, our spending.

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At local community based people who are

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Jerremy Newsome: Yeah.

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Ryan Kohler: us,

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Jerremy Newsome: Yeah.

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Ryan Kohler: instantly switch the power

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Jerremy Newsome: Yeah.

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Ryan Kohler: a democratization

of spending power.

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But right now there is a, a class

that is just taxing the economy and

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pulling all this money to the top.

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But that's, we're choosing it for comfort.

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We're choosing it for easy.

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' cause it would be hard to find a

local kid to build software for you.

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It's easy to go buy it from Salesforce.

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It would be hard to go and find a local

person to provide you that thing, and you

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might have to pay a little more for it.

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But it's easy to just

have Amazon ship it to me.

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We've given up our, our independence and

our control over the economy for easy

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Jerremy Newsome: Sarah, did

you have anything to say?

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Go ahead.

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Yeah, there's an Amazon truck outside.

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Ryan Kohler: probably, I.

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Jerremy Newsome: Yeah.

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Well, to your point, I mean, eea easy,

in complacency very often is, it brings

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people into the trap of mediocrity and

they get stuck there for a long time.

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speaking of getting stuck and feeling

anxious and worried, and I'll, I'll throw

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this one over to you, Sarah, and I'll let

Ryan, if you wanna hit back up, let's say.

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A 50-year-old, 58-year-old, even.

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Even better, 58-year-old gets laid

off today they have a 401k that was

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never designed as a retirement, right?

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And they don't have tons of money

in there and they can't touch it

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instantly anyway and is probably too

expensive to rehire at their level.

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They're too young for

Medicare by by seven years.

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And with an age discrimination,

that's definitely real and documented,

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but nearly impossible to improve.

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Where and what does

that person actually do?

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And Ryan, you kind of hinted towards it,

which is great, and I might hear that

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again, but Sarah, what would your advice

be for someone who is in that predicament?

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'cause there's gonna be a lot

of people, they're gonna face

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that coming up very soon.

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Sarah Montana: I do think that just

educating yourself in AI, because

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is going to allow you to get any

type of a job that is better.

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I don't know as far as like, you know,

the, the level of job that they had

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right now, but I definitely think that

starting now, before that happens, before

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you get laid off, before those things

again of just like taking the time and

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energy to not wait and to actually get

in and start using it now, be my advice.

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I don't know Ry.

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Ryan Kohler: Yeah.

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No, I think step one is yeah, a

hundred percent saying how I use this.

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like because they have massive

amounts of knowledge, of process

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Sarah Montana: Yes.

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Ryan Kohler: why AI is struggling

to be adopted isn't 'cause the

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technology isn't good enough.

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It's because we as workers are

not good enough at handing off

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a clear task and project to ai.

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So step number one, there's plenty

of free knowledge out there.

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Like go hit up my refer.io

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channel.

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There's a bunch of free

training on AI there.

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Go watch and then do.

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So that's like step number one.

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Take something that you've done,

preferably take something you

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hate doing and use AI to do it.

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Not this thing you're good

at the thing you hate doing.

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Because when, when we ask AI to

do something we're good at, we're

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kind of hoping it fails because

it would prove that we still have

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worth and value on this earth.

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So find some stuff that you

hate doing and have AI do it.

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That's step number one.

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Step number two, proximity.

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Again, don't wait till that happens.

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Proximity to people with problems.

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That would mean go literally, you

could hit AI to search for it, but

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go find in your local community.

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I guarantee this week I could find a, HR

meetup group, a accountant meetup group,

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a Chamber of Commerce meetup group a, a

home Builder Association meetup group.

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Go get proximity to the local things going

on in there, proximity to people with

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problems with money to pay to solve them.

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The next part is then like quit

thinking in, I need to get a job

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just like this one to replace it.

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Say, how could I get five of these

jobs that are fractional when I drop

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down from big company to small company?

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They can't afford somebody.

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That person you described

has massive amount of context

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and experience and value.

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These smaller companies need that,

but they can't afford to hire them

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time, but five of them could each

pay that person more money per

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hour for less of their actual time.

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And now I'm going to use AI to

build a repeatable process with

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leverage to have those five clients.

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And so that is the logical

progression that they need to

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take of going, wait a second.

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Instead of one company, let me

reset my definition of work.

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I can add massive value to five companies

who are, I'm fractional for them.

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And that only requires

getting one as a side hustle.

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That's a small company, a nonprofit,

just literally anybody, to kinda

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get that juice of how that works.

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The challenge is going to be that

means that even though you're awesome

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at accounting, you're gonna have

to be a marketer slash salesperson.

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Sarah Montana: I think the other thing

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Ryan Kohler: go ahead,

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Sarah Montana: is that, you

know, they have, like Brian was

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saying, the context to problems.

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So whatever organization that they

were a part of, whatever job that they

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were doing, is there maybe a micro sas?

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they could build, that solves a

specific problem for the organiz,

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for the organization and the

industry that they're aware of.

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So don't go try to go learn a whole

new skill, but take the, take the

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context that they had and solve

a very small specific problem.

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I think right now people are trying to

boil the ocean and building all of these

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like massive things, but I think that

the, in my opinion, there are going to

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be a lot of micro SaaS companies that are

created that are solving very specific

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problems for a unique set of people.

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Jerremy Newsome: Yeah.

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Ryan Kohler: to make that super

tangible, let's take that 58-year-old.

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Jerremy Newsome: Yep.

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Ryan Kohler: that they're

a corporate accountant.

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Cool.

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So they're working for a big company,

like a billion dollar company, right.

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That billion dollar company operates

financially with dashboards and like

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data analytics and financial stuff

that small companies don't have.

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They have a superior

decision making process.

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Their time to make decisions and

their confidence in those decisions

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is superior to these small companies.

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Sound about right?

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So if that person takes that knowledge

and comes down market and says, I'm going

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to show these small companies how to have

the same power in their decision making,

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those small companies would be like, oh

my gosh, I finally feel confident about

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what decision we're making because I can

forecast, I can, I can figure out what we

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should do next and how to think about it.

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They drop down and go, let's grab your

stupid QuickBooks file and let's build

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a dashboard that will help you have

more confidence in decision making.

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When Sarah says Micro SaaS,

that's what I just described.

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I went down market, I grabbed a, an

output from a, from QuickBooks, an

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output from their CRM, and I talked

to Manus and described what I used

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to have back at big corporate, and it

created a dashboard and I walk into that

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business and go, look how cool this is.

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My round trip on that this weekend

was about 45 minutes from zero to,

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oh my gosh, look at this dashboard.

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It's showing us where our customers

are at and how they're segmented

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and what decisions we should make.

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That's context that these people have

massive knowledge open AI and, and tropic

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are trying to suck outta their heads and

put into the model so we don't need them.

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these small businesses need them.

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They're begging for somebody to come in,

not just to plug AI in, but with superior

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knowledge that will help them do more.

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Because most of these small

business owners are great at doing

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not great at Businessing, right?

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That's not what they're great at.

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Jerremy Newsome: Yeah.

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Ryan Kohler: at doing the thing, right?

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And

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Jerremy Newsome: Yeah.

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Ryan Kohler: huge potential.

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But that is how most of us went from

corporate job into entrepreneurship

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was we picked up a side hustle.

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We built up fractional jobs, and then

we turned it into some type of product.

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I.

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Jerremy Newsome: Yeah, and to your

point, what I heard you say is there's

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gonna have to be, hold on, everyone,

strap in some work involved you.

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Once you create the thing, you build

the thing, the riches are in the niches.

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You find or have found a small business

or a select group of infrastructure

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to create a software as a service or a

service as a service that has some type

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of AI or unique quickness built into it.

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And then that person will have to go

out, most likely to some degree, or at

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least create an advertisement for it on

a social media platform, put it in front

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of small business owners in their area.

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But that is going to be

available for quite some time.

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I mean, that, that

opportunity exists right now.

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And for anyone who's listening, if

you're like, if you're really listening,

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your job is going to be impacted.

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The only question is,

will you have it or not?

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Let's, let's not worry about

will you have it or not.

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Let's worry about it might not be there.

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So let's come up with a plan B.

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Let's come up with a structuralization now

to prepare yourself so that if anything

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happens and your job is eliminated,

you already have a backup plan.

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And then number two, if your job does

shift and pivot and you have to learn new

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skills, and it becomes a, a talent agency

where you are the best talent in your pool

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and you get to keep your job incredible,

but you've also created a second stream

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of income for you and your family, which

allows you to pay off debt and become

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more financially foundationally secure.

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Ryan Kohler: Yeah, and, and I think just

to invert that, I think most people,

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if they heard what you just said, would

go, wait, so have to dream up a product.

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And then build that product,

and then I'm going to go look

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for the buyer of the product.

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'cause that's how we

generally think this works.

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If you switch that upside down and then

say, go, no, no, no, go find the buyer.

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Go find a group of people and listen.

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I just go out and say, what's

the biggest problem you have?

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Like, it's the easiest thing ever.

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Go find a group of people and

you literally go, you know,

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what's your biggest challenge

in your business right now?

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If you had a magic wand,

what would you point it at?

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You know, I'm not, I'm not

saying here, here's my product.

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I'm literally just having that

conversation over and over and over again.

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Jerremy Newsome: Yep.

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Ryan Kohler: their meetings.

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I walk into one of these meetings,

I drop my phone on the table, I hit

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record, I record the meeting, and then

I go back and I throw that to Chait

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and I'm like, yo, Chait, what's, what's

three things that I could offer to these

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people that they would love, But that,

that idea that that great ideas come

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from us and then we go find the buyer.

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No, no, no.

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Go find the buyer.

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Go hang out with the buyer.

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Get proximity to the problem.

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Jerremy Newsome: Yeah.

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Ryan Kohler: challenge and ask

the questions and listen, you're

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just a journalist at that point.

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You're going, I'm here as an investigative

journalist and my job is to write the

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:

article on the problems of this industry.

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What

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Jerremy Newsome: Hmm.

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Ryan Kohler: problems and the challenges?

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And then that one magical question right

now is just crazy hot, which is like, if

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you had a magic wand, because you know

what, what, freaking Sam Altman did.

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Sam Altman took a, a truck across

America and he dumped a billion

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:

magic wands on the ground.

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He just didn't tell anybody how

to use them, but he dumped a

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billion magic wands on the ground.

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And so you're like, Hey, I got

this magic wand right here.

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If you had this magic wand and

actually knew how to use it,

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what would you point it at?

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you'll instantly know the number one

solution that that group is looking for.

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:

pointed at this.

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Jerremy Newsome: Yeah.

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Sarah Montana: I think is interesting

about that is like the people that are

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listening right now, if you have a job

and you're, you feel like you're secure

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:

in it and all those things, you can still

take this advice, pull it at your own life

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Jerremy Newsome: Mm.

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Sarah Montana: What are

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Jerremy Newsome: Uh oh.

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:

Sarah Montana: learning

the reps, the shots

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Jerremy Newsome: Uh oh.

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Sarah Montana: have to

be in a business context.

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Jerremy Newsome: she comes.

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Sarah Montana: shots on goal can be

of like, oh, I want to lose weight

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:

and I want to become better at this.

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:

Like, let me build a macro tracking, you

know, a recipe planner that will plan

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:

out all of my, recipes in my budget that

will, you know, make it so that I achieve

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:

my goals of, of, of losing this weight.

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:

Or, hey, I am trying to organize

my kids' soccer, schedule, and

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:

we're trying to figure out who's

gonna bring the treats each week.

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:

Like, I'm gonna create a little platform

that people can sign up really quick

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:

and it gives suggestions of what

they're gonna make, like random things.

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But those are the things that

are the shots on goal of what are

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:

the magic wands in your own life?

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What is the things that piss you off

that are annoying in your life that

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you could solve right now with ai?

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going to give you the repetitions

and the shots on goal so that all of

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:

a sudden when you're in a situation

that you need to start a business,

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:

you're not starting at square one.

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Jerremy Newsome: Love that.

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That's so dope.

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Ryan Kohler: out there that

thinks that sounds hard, let

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me tell you how easy it is.

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Step one.

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Do exactly what Sarah just did.

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Think about your life and be

like, oh, I freaking hate this,

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this, this, this, and this.

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And then think about the way you're

doing it now, but literally get your

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phone out, go to the voice memo, press

record, and just bitch and moan into the

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voice memo and be like, oh man, it's so

hard to organize my kids' soccer group.

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:

I hate that it does

this and this and this.

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Like, here's the tool we use right now.

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And man, I wish those guys right

would do this, this, and this.

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Like I wish it was better.

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And if you take that one voice memo and

you drop that into lovable right now

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and go build my solution for me, it will

literally build the entire thing for you.

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And because we sit around, we complain

to the wrong person, the person

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to complain to right now, Manis or

lovable, just go complain to them

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about your current process and about

the current tools that are out there.

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And then say, how could we

build my own version of that?

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And it will take over from there and

build out an entire web platform.

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That

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Jerremy Newsome: Yeah,

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Ryan Kohler: the stuff

you're complaining about.

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Sarah Montana: Or for me, it's

tax time right now of like,

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oh my gosh, I hate taxes.

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It's the worst.

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Hey, Manus, connect to my QuickBooks,

connect to all my accounts.

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Tell me where I'm screwing

up in my budget right now.

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Categorize all of my transactions from

every single thing, and then give me

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the journal entry that I can put in so

that I don't f my f, f up, my taxes.

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Like those types of things.

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It's like I didn't need to go hire

someone to do all these things.

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Like I literally spoke it into

existence of what I wanted it to do.

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Alex: Sarah solved tax

season with a voice memo.

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Ryan built a Fortune 500

dashboard in a weekend.

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The tools WORK—but next, she turns to the

one thing no app fixes: the nervous system

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SCREAMING that it's already too late.

Show artwork for Solving America's Problems

About the Podcast

Solving America's Problems
Solving America’s Problems isn’t just a podcast—it’s a journey. Co-host Jerremy Newsome, a successful entrepreneur and educator, is pursuing his lifelong dream of running for president. Along the way, he and co-host Dave Conley bring together experts, advocates, and everyday Americans to explore the real, actionable solutions our country needs.

With dynamic formats—one-on-one interviews, panel discussions, and more—we cut through the noise of divisive rhetoric to uncover practical ideas that unite instead of divide. If you’re ready to think differently, act boldly, and join a movement for meaningful change, subscribe now.