I think many sophisticated millennials today are looking into the future and realizing their skills are quickly becoming obsolete. Career progression is under serious question, as AI has disrupted traditional paths entirely. Unless you’re exceptionally skilled or able to pivot into new opportunities especially in AI - it’s becoming harder to see a clear role for yourself.

For those who’ve already spent 10–15 years honing skills that are now being eroded by AI, their income is uncertain. That’s why many are shifting focus from the income side of their balance sheet to the assets and liabilities side. With little foresight or confidence in their earning power, they’re instead asking: How can I put my capital to work? How do I take calculated risks to generate higher returns on assets?

This shift is already happening. The smartest millennials are rebalancing their lives around assets instead of income, while the rest will catch on later.