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
Connect:
Transcript
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
346
:and you get to keep your job incredible,
but you've also created a second stream
347
: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
368
:people that they would love, But that,
that idea that that great ideas come
369
: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
383
:you had a magic wand, because you know
what, what, freaking Sam Altman did.
384
:Sam Altman took a, a truck across
America and he dumped a billion
385
:magic wands on the ground.
386
:He just didn't tell anybody how
to use them, but he dumped a
387
:billion magic wands on the ground.
388
:And so you're like, Hey, I got
this magic wand right here.
389
:If you had this magic wand and
actually knew how to use it,
390
:what would you point it at?
391
:you'll instantly know the number one
solution that that group is looking for.
392
: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
395
:listening right now, if you have a job
and you're, you feel like you're secure
396
: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.
400
:Sarah Montana: learning
the reps, the shots
401
:Jerremy Newsome: Uh oh.
402
:Sarah Montana: have to
be in a business context.
403
:Jerremy Newsome: she comes.
404
: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.
406
:Like, let me build a macro tracking, you
know, a recipe planner that will plan
407
:out all of my, recipes in my budget that
will, you know, make it so that I achieve
408
:my goals of, of, of losing this weight.
409
:Or, hey, I am trying to organize
my kids' soccer, schedule, and
410
:we're trying to figure out who's
gonna bring the treats each week.
411
:Like, I'm gonna create a little platform
that people can sign up really quick
412
:and it gives suggestions of what
they're gonna make, like random things.
413
:But those are the things that
are the shots on goal of what are
414
:the magic wands in your own life?
415
:What is the things that piss you off
that are annoying in your life that
416
:you could solve right now with ai?
417
:going to give you the repetitions
and the shots on goal so that all of
418
:a sudden when you're in a situation
that you need to start a business,
419
:you're not starting at square one.
420
:Jerremy Newsome: Love that.
421
:That's so dope.
422
:Ryan Kohler: out there that
thinks that sounds hard, let
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:me tell you how easy it is.
424
:Step one.
425
:Do exactly what Sarah just did.
426
:Think about your life and be
like, oh, I freaking hate this,
427
:this, this, this, and this.
428
:And then think about the way you're
doing it now, but literally get your
429
:phone out, go to the voice memo, press
record, and just bitch and moan into the
430
:voice memo and be like, oh man, it's so
hard to organize my kids' soccer group.
431
:I hate that it does
this and this and this.
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:Like, here's the tool we use right now.
433
: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.
437
: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.
442
:That
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:Jerremy Newsome: Yeah,
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:Ryan Kohler: the stuff
you're complaining about.
445
:Sarah Montana: Or for me, it's
tax time right now of like,
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:oh my gosh, I hate taxes.
447
:It's the worst.
448
:Hey, Manus, connect to my QuickBooks,
connect to all my accounts.
449
:Tell me where I'm screwing
up in my budget right now.
450
: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.
452
:Like those types of things.
453
: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.
455
:Alex: Sarah solved tax
season with a voice memo.
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:Ryan built a Fortune 500
dashboard in a weekend.
457
:The tools WORK—but next, she turns to the
one thing no app fixes: the nervous system
458
:SCREAMING that it's already too late.
