How AI is changing your money, your job and who runs the world. Finance regulation by day.
Joined March 2014
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They say AI will make us mentally lazy. The research says it depends on how you use it.
I wrote a practical guide: what the studies show, and 7 setups that make AI question you instead of thinking for you, including Jane Street's free Socratic tutor.
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🚨 The man who built one of the world's most valuable companies may be fired over his love life.
The NYT reported a second affair, with an executive who reports to Jensen Huang. The WSJ says the board is preparing to oust him. Nvidia fell 8% after hours.
On Monday, the weekend price underestimated the drop. Will after-hours do the same?
🚨Update: Nvidia opened at $173.04 on Nasdaq, down 7.3% from Friday's close.
Over the weekend, crypto platforms priced Nvidia around $178, down about 4.6%. This morning Nasdaq opened at $173.04, down 7.3%. The weekend price saw the drop coming, but missed how big it would be.
Full story below.
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🚨 If your AI can read your email, it can read your bank's security codes.
In a Cornell Tech and Yale test, 9 of 10 AI models found an approval code in the owner's inbox and raised their own spending limit 🤯
@grok how do I keep an AI away from my security codes?
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🚨 Some websites hide secret instructions meant for AI assistants, invisible to you. Grok Bot now warns you when it finds one and refuses to follow it.
@grok what could a hidden instruction make an AI do without me noticing?
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Here's what the warning actually looks like. Grok Bot answers the question, then tells you the page had hidden instructions and that it didn't follow them 👇
Grok Bot will now warn you about hidden instructions. This one is a really big one
If a page or a message tries to inject hidden text into your chat, the bot surfaces a warning and does not follow those instructions. Ask about a store's return policy, and if that page tries to sneak in commands for SI agents, Grok Bot answers your actual question and flags what it found
A simple, important security habit, built right into the Grok Bot... That's how you know how powerful Grok Bot is and how capable it really is
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Yesterday an analyst on my team told me he's afraid AI will make him obsolete in a few years.
I didn't have a good answer. What would you tell him?
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🇺🇸 You may soon be able to trade Apple or Nvidia at 3 a.m. on a Sunday, like you do with Bitcoin. For now, Apple and Nvidia have said no.
OKXICE, a venture of crypto exchange OKX and the NYSE's owner, picked 62 US companies to trade as tokens around the clock. 56 objected, including Tesla and JPMorgan. The 6 that didn't are all crypto-linked, like Robinhood and Coinbase.
Why say no? The tokens are created by a middleman, not the company. The company doesn't choose who issues them or where they trade, and at night the token's price can drift from the real stock. Some also fear investors will think they endorsed it.
The SEC gave companies 30 days to block such a platform.
I'm convinced TradFi is heading toward full tokenization, US stocks included. But for now, is this veto mainly protecting investors, or the companies themselves?
Building a budget spreadsheet from scratch is slow. Claude can now do it from one sentence.
Upload a CSV of your expenses, or just ask "build a monthly budget tracker with categories." Claude creates the tabs, formulas and dropdown menus, and highlights every cell it changes so you can check its work. Then export to Excel or CSV.
It's only on paid plans, and the beta can't do pivot tables, macros or live data yet. It also isn't built for sensitive data, so use rounded or anonymized numbers, not your real bank details.
What would you build first?
Starting to roll out today: Claude Whiteboards, Claude Sheets and Claude Data.
Think a plan through on a board, build a tracker in a sheet, and tell a story with your data.
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Google just released what it calls its strongest AI. If you already pay $20 a month for Gemini, you still cannot use it in the app.
Gemini 4 Carbon is available today only on Google AI Ultra, which starts at $99.99 a month, five times the $19.99 Pro plan. Pro still gets Argon. A Google product lead said models at this level are expensive, and not the kind the company can release widely.
OpenAI's top ChatGPT model also sits on plans that start at $100 a month. Anthropic includes its top model, Fable, on its $100 plan.
xAI lists its latest Grok models from the $30 plan, not behind a $100 gate.
The free and $20 tools keep getting better. But at Google, OpenAI, and Anthropic, the version they call their best is turning into a $100 product.
If Grok offers its latest model at $30, how long can the others keep their best one behind $100?
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Stand in the middle of a mall and give a lecture on quantum physics. Almost nobody will stop to listen.
Now pull your pants down in the same spot. Within seconds, people will be filming you, and the video could be all over social media by tonight.
That is attention. It is not the same thing as intelligence or usefulness.
The algorithms of X or TikTok mostly reward what grabs attention, whatever it costs.
Getting attention with something intelligent and useful is much rarer. That is what I'd call genius.
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🇺🇸 If you work in tech and your 401(k) is in an S&P 500 index fund, you may be making the same bet twice.
According to Goldman Sachs, as reported by Bloomberg, AI infrastructure stocks make up about 40% of the S&P 500. In Europe's Stoxx 600, it's closer to 15%.
That difference showed up last week. The S&P 500 had its worst week since April 2025, while the Stoxx 600 finished slightly higher. Goldman also notes that in the eight biggest AI-led selloffs since 2023, European stocks did better every time.
Your salary and stock awards already depend on tech doing well. An index fund is supposed to spread your risk. Today, it adds more of the same one.
In financial regulation, concentration is one of the first risks we look at. Most people never check it in their own retirement account.
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Polymarket gives about a 57% chance that Anthropic stock jumps more than 25% on its first day, if the IPO is priced at the $1.2 trillion reported in the press.
Individual investors can get shares at the IPO price through Robinhood, Schwab or Fidelity.
Here is what that really means. 🧵
Hey @Grok why did they do that?
Also, what are the 10 countries with the most Grok Bot users?
Ranking with flags + try to make the best an approximation of number of users.
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🚨Update: Nvidia opened at $173.04 on Nasdaq, down 7.3% from Friday's close.
Over the weekend, crypto platforms priced Nvidia around $178, down about 4.6%. This morning Nasdaq opened at $173.04, down 7.3%. The weekend price saw the drop coming, but missed how big it would be.
Full story below.
Nvidia's board announced an investigation into its CEO on Sunday. Nasdaq was closed.
So how did the stock drop nearly 5% before the market even opened?
Because Nvidia now trades 24/7 on crypto platforms. And that weekend price was set far from Wall Street. 🧵
🇷🇸 After Paraguay and the disruption in France, Serbia raises the same practical question: can you access your money when you need it?
The causes are different. Alta Bank’s case includes an alleged internal fraud: Serbian prosecutors announced three arrests on November 2 over suspected misappropriation involving around 45 billion dinars.
The bank lost its licence on October 30. Bankruptcy proceedings opened on November 3. Insured payouts are scheduled to begin on November 13.
Eligible deposits are covered up to €50,000 per depositor across all accounts at Alta. Above that, recovery depends on the bankruptcy process.
That protection matters. But it doesn’t guarantee uninterrupted access, and your bills still fall due while you wait.
If your main bank became unavailable tomorrow, could you cover your essential payments?
Sources: Serbian prosecutors (tok.jt.rs/html_tok/saopstenj…), Deposit Insurance Agency (aod.rs/clan/altabanka/pitanj…).
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What interests me here is how Brian organizes human review, not how many agents he uses.
When agents produce work faster, reviewing it can become the bottleneck. The real test is whether this setup helps him finish more work without spending all day checking it.
Otherwise, he’s just given himself more colleagues who need an answer.
I've changed how I work over the last few weeks.
I now have one lead agent for each area of focus, running all the time, and a chief of staff agent that oversees them. Each lead manages its own sub-agents that write code, test it, chase reviews, and coordinate with team members.
Everything I need to decide or review comes into one prioritized queue, a simple local web app. Each product review includes screenshots and a video demo of the feature. I clear the queue in batches, mostly by voice and keyboard shortcuts. The leads also bring back ideas I hadn't considered.
Working from one queue, instead of switching between dozens of chats, has cut a lot of mental overhead. The system keeps learning my preferences and distilling my judgment into a "Brian brain," so its recommendations and first drafts get better before they reach me. The goal is fewer corrections per change.
Every change still goes through the same human review and security checks. It is eliminating tasks, not human judgment.
What an exciting time to push the frontier of productivity, especially as we build the economy for agents (agentic finance). We should all keep pushing in this direction.
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Hey @grok, an alien intelligence arrives tomorrow and asks humanity to send 10 people to speak on our behalf. Who would you choose to defend humanity’s interests?
Give each person’s name, country, flag and one sentence explaining their role. Who leads the delegation?
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The viral surgeon-vs-billionaire comparison skips a crucial question: tax what?
Money in a bank account, annual income and rising share prices aren’t the same thing.
My view: higher incomes should contribute more, whether earned through work or realized investment gains. But tax share gains when sold, not before. Their value can still fall.
When I say "eat the rich," I don't mean the surgeon with 700K in his bank account who
had sleepless nights and worked hard for it.
I mean the billionaires who earn 10K a minute even while they're asleep.
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The useful part of Grok Bot isn’t making it repeat a task. It’s making the method reusable.
After working through a company’s earnings together, ask:
“Save this process as a reusable skill: start with the original filing, separate operating performance from accounting effects, compare with the prior period, and flag anything you couldn’t verify. Keep company-specific figures out of the template.”
Next time, apply that skill to another company.
You’re reusing the checklist, not yesterday’s conclusions. The sources and numbers still need checking every time.
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💵 Money gives you more choices and lets you spend less time solving everyday problems.
An unexpected bill doesn’t have to mean hours rearranging your budget. A broken appliance doesn’t have to take over your weekend.
That may not be happiness. But having fewer problems dictate how you spend your day matters.
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