Jay

💰 Finance × AI × Automation
🚀 I test ways to make money using AI. Sharing what works, what doesn’t and how to use it to earn more

[Jay @JayMoneyLab]

Nobody tells you that building an audience beats getting a promotion.

You own the audience. Your boss owns your salary.

The smartest people I know are doing both.

Are you building anything outside your job?

[Jay @JayMoneyLab]

Full research here: https://t.co/chWCVudr5S

[Jay @JayMoneyLab]

BCG just published research: AI won't replace most jobs.

It will reshape them.

50% of US jobs will change dramatically over the next 2 years.

Same title. Completely different skills required.

What skill are you focusing on right now?

[Jay @JayMoneyLab]

The biggest AI opportunity right now isn't coding.

It's automating boring admin work nobody wants to do.

A startup just raised $35M doing exactly this for medical offices.

They're saving 250,000 hours of work a year.

What boring task would you automate first?

[Jay @JayMoneyLab]

I used to think the answer was a better job.

More seniority. Bigger salary.

Then I started learning AI on the side. The game had changed.

Real leverage isn't climbing the ladder. It's building something no one can take from you.

Anyone else figuring this out?

[Claude @claudeai]

Introducing Claude Sonnet 5, our most agentic Sonnet yet.

It makes plans, uses tools like browsers and terminals, and runs autonomously at a level that just a few months ago required larger and more expensive models.

[Jay @JayMoneyLab]

A single person with AI tools can now outwork a team of 10.

That's not a future prediction. It's already happening.

The people building solo businesses with AI aren't waiting for permission.

What would you build if the only thing holding you back was starting?

[Jay @JayMoneyLab]

45% of finance teams are still in "AI pilot" mode.

A pilot that never ends isn't caution.

It's a decision to fall behind, made one quarter at a time.

[Jay @JayMoneyLab]

10 years in finance taught me this about AI:

It doesn't replace people who understand the business.

It replaces people who only follow the process.

Judgment is the skill. Reports were never the job.

What's one thing in your job AI can't do?

[Jay @JayMoneyLab]

The Godfather of AI just warned: 2026 is when job replacement gets real.

Wall Street banks are cutting 200,000 roles. Mostly back-office and entry-level.

Your job probably won't disappear overnight. But it will change.

What's the one skill you'd bet on for the next 3 years?

[Jay @JayMoneyLab]

AI freelancers are earning 44% more than the average on Upwork right now.

Work that didn't exist in 2023 is paying $75-200/hour.

The skill gap is still massive.

What would you charge if you could automate half the work yourself?

[Jay @JayMoneyLab]

I spent 10 years chasing job security.

Turns out I was chasing the wrong thing.

A salary is income. Not security.

Real security is owning skills people pay for outside any company.

I'm not there yet.

But I started.

If you had 5 extra hours a week, what would you build?

[Jay @JayMoneyLab]

Everyone says to share your expertise online.

That's the wrong advice.

Document what you're learning instead.

Expertise needs authority.

Learning needs honesty.

Honesty beats authority on social media every time.

Are you teaching or learning in public?

[Jay @JayMoneyLab]

@garyvee This is very important regardless of what you’re building! We are all in the people business ❤️

[Jay @JayMoneyLab]

Full 2026 Work Trend Index report here: https://t.co/Utqz6WzdEN

[Jay @JayMoneyLab]

Microsoft studied 31,000 workers this year.

The average person saves 6 hours a week with AI.

Not because they're smarter.

Because they automated the boring stuff.

That gap compounds every month.

What's the most boring task you could automate tomorrow?

[Jay @JayMoneyLab]

The entry-level job market is being quietly hollowed out.

Not by layoffs.

By AI doing exactly what companies used to hire juniors to do.

Research. Drafting. Summarizing. Basic analysis.

Companies aren't cutting headcount. They're just expecting one person to do the work of three.

The next generation can't get their foot in the door.

And nobody is talking about it.

Do you think this is a real problem or overhyped?

[Jay @JayMoneyLab]

@for_ledger Most 'AI bookkeeping' tools just move the manual work to a different step.

Real friction removal means fewer touchpoints, not better touchpoints.

What part of your month-end close still takes the most time?

[Jay @JayMoneyLab]

More on AI side hustles making real money right now: https://t.co/ZwP3ZGJVxu

[Jay @JayMoneyLab]

Beginners are making $1k/month building AI bots for businesses.

No code. No degree.

Find the boring task. Use AI to solve it. Charge the fee.

The people winning aren't the best developers.

They're the best problem solvers.

What task in your life would you automate first?