Designing Work-Optional Lifestyles for Women & Couples with Dynamic Financial Plans | Financial Consultant for Executives & Business Owners in Sports & Tech | Financial Wellness Speaker

Most financial advice wasn’t made for women with full lives.
It was made for simplicity, and usually, for men.


The people I work with aren’t starting from zero. They’re earning well, making smart choices, and juggling a lot of moving parts - work, family, and future plans all at once.

Some make financial decisions on their own, others share them with a partner. Either way, they want to see how it all fits together and feel confident that the choices they’re making now won’t limit their options later.

I’m Renee Cohen, CFP®, founder of Nexa Wealth, a life-first financial planning firm for women in their 40s and beyond, and the partners who plan life alongside them.

I started Nexa because I was tired of watching capable women follow generic advice that ignored their real lives. Money touches every choice: career shifts, equity compensation, real estate, caregiving, stepping back or leaning in and each one deserves context.

My role is to be your steady partner in decision-making:

• To make complex choices feel clear and manageable
• To help you weigh trade-offs without judgment
• To keep your plan flexible enough for both now and later

Together, we build a living financial roadmap that evolves with you, so you can move forward knowing every dollar has direction and every decision has perspective.

My clients describe me as calm, direct, and easy to talk to. I’m here to help you think things through, not judge your past decisions or tell you what you “should” do.

Most of the people who find me don’t have the time or desire to become experts about money.
They just want someone they can trust to make sense of it all, explain things clearly, and help them make smart choices without turning it into a second job.

If that sounds like you, and you’d like a partner who helps you make confident financial decisions without putting life on pause, you can reach me here or at nexawealthplanning.com.

Renee Cohen, CFP®

My brain is still buffering.

Week one of 2026 is done.

I've opened the same email three times without reading it.
I wrote 2025 on a client wide message I sent yesterday.
My to-do list looked at me and laughed.

Somewhere along the way, we decided that "back to work" means "immediately performing at peak capacity."

That's not how humans work.

But I showed up. The work got done.
Just maybe not at full speed and that's okay.

If your first week back felt more "survival mode" than "CEO mode".  Same.

We made it. That counts.

Happy Friday. 💙

→ What's the most "week one" thing you did this week?

Renee Cohen CFP®

Financial planning that puts life first | Partnering with women and couples to make confident money decisions | Founder, Nexa Wealth

“Okay, maybe a dumb question…”


“Don’t you just make money off managing investments?”

She said it halfway through our intro call.

Fair question.
You’ve probably wondered it too.

I hear that all the time.
And I don’t blame you.

The industry hasn’t done a great job of explaining how this actually works.

So let’s break it down.

Financial advice has often been pitched as a “free perk” if you buy a product:

A mutual fund.
An annuity.
An insurance policy.
(Take your pick.)

But the advice?
It’s not really free.
It’s just buried in the fine print or baked into a commission.

So the real question becomes:

Was that advice truly in your best interest
or was it about meeting someone else’s sales quota?

That’s why I charge for advice first.

When you’re paying for a plan,
you know the recommendations are built around your life, goals, and values,
not what someone’s trying to sell you.

And yes, sometimes we implement investments or insurance too.
But that comes after the strategy is clear, not before.

And when we do place a product?
It’s because it fits your plan.
Not because there’s a bonus attached.
Not because it’s the “recommended option” from a brokerage firm.

Financial planning should feel like clear, unbiased guidance across all the pieces of your financial life.

If no one’s ever walked you through how this works, that’s not on you.

This industry hasn’t always been transparent.
But you don’t have to stay in the dark.

You deserve to know who’s truly in your corner
and who’s working off a commission.

📌 What’s one thing you wish you understood more about working with a financial advisor?

My nephew checking his inbox during the holidays.

Zero unread.
Full focus.
Very serious business.

I unplugged for the holidays, but my inbox didn't get the memo. 847 emails waiting.

Hope your holidays were filled with good food, good people, and maybe even some real rest.

The kind where you actually put the phone down and didn't feel guilty about it.

Now back to reality. 😅

But I'm back now and glad you are too. Happy 2026.

What does your inbox look like this week? Clean or chaos?

Financial planning for women | Real conversations about money for women in their 40s and 50s | Financial Planner + Founder, Nexa Wealth

No alternative text description for this image

The biggest drain on your money usually isn’t what you’re spending.


It’s the mental load of carrying all the decisions at once.

Not the obvious, one-time choices.
The ongoing ones that never really turn off.

Should I change this now?
Am I missing something?
Is this still the right move given everything else going on?

What wears my clients down isn’t lack of discipline.
It’s having too many moving parts living in their head at the same time.

This week alone, that showed up in a few different ways.

One client is moving overseas.
Exciting, yes. But it comes with layers of decisions around what happens to her accounts, what can stay in the U.S., what needs to change, and how to handle taxes without creating problems later.

Another client has several big expenses coming up at once, all competing for the same dollars.
The question wasn’t whether she could afford them.
It was how to prioritize them without putting unnecessary pressure on cash or derailing what she’s building.

And another client inherited a large stock position years ago.
It’s now a big part of her net worth, right as she’s planning a major home renovation.
So we had to think through diversification, taxes, timing, and how to fund the renovation without everything feeling tangled together.

This is the part of money work most people don’t see.

It’s not one decision.
It’s how every decision touches several others.

A big part of my role isn’t telling clients what to do.
It’s helping them get everything out of their head and onto the table.

We look at how the pieces connect.
We talk through trade-offs.
And we make decisions in a way that fits their life.

That’s the kind of work I do with clients, and I don’t open it all the time.
I do have two spots for my 3-month planning work right now.

If you want to talk through whether it’s a fit, just DM me.

Some of the costliest money decisions don’t look risky when you’re making them.


They look reasonable.
It’s the choice that lets you move on and get back to your life.

When clients come to me, this is usually where they are.

They haven’t made some obvious “big” mistake. For the most part, they’ve been making “good moves”. 

But they’re carrying a lot of decisions at once, and decisions feels like it impacts five other things. 

Something that worked a few years ago may not be working the best now. 

Using cash for one thing changes what’s available later.

Moving investments affects taxes and timing in ways that don’t show up right away.

Because nothing feels wrong in the moment, it’s so easy to keep going as is. 

By the time we talk, they’re usually overthinking the same questions.
And wondering if they missed something.

This is the point where I slow things down.

I don’t start by fixing anything.
I start by separating the questions that have been competing with each other.

What needs attention right now.
What can wait without causing a mess later.
And what decisions would limit you in if you made them too soon.

Once those pieces are no longer tangled together, their decisions start to feel easier to make.

Because the client isn’t trying to solve her entire financial life in one conversation anymore.

She’s deciding the next right thing, with the bigger picture present.

Most of the time, there isn’t something wrong with your money.

You’re just carrying more decisions than you should have to on your own.

And that’s usually when money starts to feel reactive, instead of something you can actually see and steer.

“I know it’s dumb, but I still feel like I’m not where I should be.”

I hear this every week.
Usually from women with more money than they’ve ever had.

You may not have said it out loud.
But you’ve probably thought it.

“I should be further along by now.”

Further along than who?

An article that says you need $3M to retire?
A calculator that doesn’t know your life?
A coworker who talks big but has no real plan?

The goalpost keeps moving because it was never yours to begin with.

What’s usually missing isn’t money.
It’s a definition that actually fits.

Most people aren’t behind.
They’re measuring against someone else’s formula.

Instead of asking “Am I on track?”
Try asking, “What does enough actually look like for me?”

→ Anyone else feel this way right now?

In your peak earning years, this feeling is common.

You're earning more than you ever have.
And yet money doesn't feel simpler.

You thought higher income would bring relief.
More confidence.
A sense that you were finally "there."

Instead, the questions got harder to answer.

This is usually when money stops being a math problem and starts becoming a decision problem.

Every choice affects something else.
Saving affects spending.
Spending affects flexibility.
Work affects energy.

Nothing exists in isolation anymore.

In your 40s, you're often carrying more at the same time.

Career expectations.
Family needs.
Future planning.
Your own health and bandwidth.

So money isn't just about growth.
It’s about support.

And that shift can feel unsettling if no one names it.

Many women I talk to assume this discomfort means they're doing something wrong.
Maybe not saving enough.
Maybe not thinking far enough ahead.

But that's rarely the issue.

More often, it means your income has outgrown the way you're thinking about money.

You're using old questions for a much more complex season of life.

Clarity at this stage doesn't come from chasing the "right" move.

It comes from understanding what your money needs to do for this phase of your life and what it doesn't.

If money feels heavier now than it used to, that's not failure.

It's a sign that your growth requires a different perspective.

→ Anyone else feel like the questions got harder, not easier?

“New year, new me.”
(The lie we tell ourselves every January.)

I don’t really have a morning ritual.
No cold plunge. No 5am journaling. No vision board.
I just start.

Some years I hit January running.
Other years I’m still mentally on the couch, halfway through a Netflix binge.

This year, I’m somewhere in between.

I keep seeing every January:

The pressure to have it all figured out by week one is another way to feel behind.

I see it show up with money, too.

The urge to treat January like a hard deadline.
New goals. New systems. All at once.

One client finally started her business at 51.
She didn’t launch in January.
She launched in March after two false starts and changing her mind more than once.

Another client left her marriage and rebuilt her finances from scratch.
It took her until April to open her new accounts.

Most meaningful financial moves don’t always happen because the calendar flipped.

They happen when someone finally has the space to look at things honestly and decide what actually matters next.

January isn’t magic.
It’s literally a calendar page we assign a lot of pressure to.

The reset happens when you’re ready.
Not when the date tells you to be.

If you’re still easing back in this week, that’s fine.
If you’re already in full work mode, also fine.

There’s no right pace.
Just the one you’re actually in.

→ Are you fully back or still mentally on vacation?

You can think you’re “on track”
and still feel unsure where it’s headed.

At some point, “Am I on track?” stops being a yes-or-no question.

You’re doing what you were told was responsible.
And yet, something doesn’t sit right.

Most advice makes this feel simple.

Hit the number and you’re fine.
Miss it and you’re behind.

But a lot of women I talk to have solid numbers.
They still don’t feel settled about where things are going.

That’s because being “on track” isn’t really about how much you’ve saved.

It’s about where all of this effort is actually leading.

You can make good decisions for years
and slowly realize you’re building toward something you never really chose.

In your 40s, this gets harder to ignore.

Career decisions are more impactful.
Family needs change.
Time and energy matter more than they used to.

One reasonable choice quietly shapes the next.
And changing direction starts to feel more costly than it once did.

So maybe the more useful question isn't
"Am I saving enough?"

It's whether the way you're using your money is still supporting the life you want now.
Not just the plan you set five years ago.

One keeps the plan intact.
The other helps you decide if the plan still fits.

→ Does anyone else's 'on track' feel different than it used to?

If money hacks could make you rich, we’d all be millionaires by now.

There’s no magic financial tip waiting to “blow up” your wealth overnight.
If there were, everyone would already be using it.

It’s why so many women earning multiple six figures still wonder if they’re missing something.

The issue isn’t income.
It’s that most advice points you toward hacks instead of building a strategy that fits your life.

When you step back and create a plan that reflects your goals and values—
Your money stops feeling scattered.
And it starts working for you.

Here’s what that looks like in real life:
→ Big decisions feel easier
→ You’re in the right financial vehicles for growth
→ You keep more of what you earn
→ And you have breathing room to actually enjoy your money today

The “secret” isn’t another hack. It’s this:
→ Knowing where every dollar goes without feeling restricted
→ Choosing investments that fit your future, not someone else’s
→ Walking into tax season without the “what if I missed something” pit in your stomach

That’s what a strategy built around you delivers.

—

📌 What’s the best money tip you’ve ever received?

Making more money doesn’t automatically make you feel safer.


For many women in their 40s, it actually makes decisions feel more complicated.

By this point, your income is higher than it used to be.
You’re more established in your career.
You’re not starting from scratch anymore.

So there’s an expectation that money should feel simpler now.
Instead, decisions start to require more thought.

Not because anything is going wrong, 
but because each choice affects more parts of your life than it used to.

In your 40s, money decisions rarely live in isolation.
They touch your time, your energy, your family, your career flexibility, and the options you want to keep available later.

Changing direction (slowing down, stepping away, or reworking priorities) feels more consequential than it did before.

I hear this a lot from women in this stage:

“I have more money than I ever thought I would…
and I’m less certain about what I want next.”

So you find yourself standing at a point where the old path doesn’t quite fit anymore.

The risk isn’t making a bad decision.
It’s staying on autopilot because everything looks fine.
That’s how drift shows up in your 40s.

That discomfort isn’t a sign you’ve failed with money.
It’s a sign that the definition of “doing well” you built earlier in your career needs to be updated for where you are now.

Feeling secure in this season comes from understanding what your money is meant to support and what it needs to stay flexible for.

When that’s clear, decisions start to feel steadier and more intentional.

→ Anyone else in this phase right now?

You shouldn’t need to justify enjoying your money.

But somehow, every time you book the flight or splurge on the birthday dinner… guilt taps you on the shoulder.

This past weekend, I bought the $1,000 shoes I’ve been eyeing.
And for a split second, I hesitated.
Not because I couldn’t afford them,
But because that little voice whispered,
“Shouldn’t you be saving this instead?”

That voice doesn’t vanish when you start earning more.
Or when you “know better.”
Or even when you build financial plans for a living.

It sticks around when your money feels disconnected from your life.

Because enjoying your money and being smart with it shouldn’t feel like opposites.
But for a lot of high-earning women—it still does.

Not because they’re reckless.
But because they’re not 100% sure what’s already handled and what isn’t.

That’s where the doubt creeps in.
That’s where the overthinking starts.

What changes everything?

→ Knowing what’s going toward the future
→ Knowing what’s fueling the life you want right now
→ And knowing you’re allowed to enjoy both

That’s the kind of permission that doesn’t come from a budgeting app.
It comes from a plan that gets you.

Not just the numbers.
The way you want to feel when you spend, invest, save, and live.

If you’ve been earning well but still feel like you have to justify every “fun” purchase…
This isn’t a money problem.
It’s a strategy gap.

And that’s fixable.

“What should my financial goals be for this year?”

I get this question every January.

But I never answer it directly.

Instead, I ask:
“What do you actually want your life to look like in December?”

If you hesitated, that’s the point.

Most people set financial goals backwards.

Save more money
Max out my 401k
Pay off debt faster

These aren’t goals.
They’re tasks without a destination.

Here’s how I work through this with clients:

1. Start with the life (not the number)

Ask yourself:
→ What do I want to say YES to this year without hesitating?
→ What would I do if money wasn’t the thing holding me back?
→ What does my ideal Tuesday look like in five years?

Write it down. Get specific.

2. Work backwards to the money

Once you see the life clearly:
→ The lake house = X amount by Y date
→ The career pivot = Z months of runway
→ Early retirement = a real drawdown strategy

Now you have targets that mean something.
Not arbitrary benchmarks from an online calculator.

3. Identify what’s actually in the way

It’s not always “not enough money.”

It’s usually:
→ Cash sitting idle instead of working
→ Tax inefficiency quietly eating gains
→ No system connecting income → investments → real life goals

4. Build the bridge

Map the gap between where you are and where you want to be.
Then reverse-engineer the quarterly actions to close it.

That’s a financial plan.
Not “save more.”

Because “enough” is a moving target.
A number on a calculator.
A fear dressed up as math.

But:
Take my daughter to Portugal without guilt.
Leave this job by 50 on my terms.
Buy the vacation home.

Those are goals.

The number isn’t the goal.
The life is.

→ What’s one thing you want to say YES to this year?

Being gifted stock can quietly turn into a tax headache if you don’t know what you’re dealing with.

On the surface, it sounds like a win.
But the rules matter more than most people expect.

A lot of people assume gifted stock works like an inheritance. It doesn’t.

There’s no step-up in basis.
You get the stock and you also get all the built-in gains that come with it.

Most of the stress isn’t about the money itself. It’s the uncertainty.

You’re holding something valuable, but you don’t really know what it costs to use it.

That’s usually when it becomes clear this isn’t a simple decision.

If you sell everything without a plan, the tax bill can be massive.
And once that happens, there’s no undo button.

Most people come in asking, “Should I sell?”

I’m usually focused on what decisions are still open before anything is final.

That’s how I worked with a client who was gifted just under $4 million in a single stock, with about $2.5 million of gains.

We sold shares over time in years when her income was lower.
We used some of the most appreciated stock for charitable giving.
And we rebuilt the portfolio so it supported her goals, not just what she inherited.

Once she could see the path forward, it stopped feeling like a guessing game.

Sometimes the most important money decision isn’t earning more.

It’s knowing how to use what you already have without creating a problem you didn’t need.

If this is something you’re navigating, it’s worth talking through early, before taxes make the decision for you.


→ Did you know gifted stock works this way?

AI Strategy Pioneer & Innovation Catalyst | Transforming businesses with AI-driven strategies and digital innovation

Most AI investments fail — and not because of the technology.

They fail because we keep deploying sophisticated AI to unprepared humans. Then we measure "adoption" and wonder why the ROI never shows up.

I lead AI Capability globally at Capgemini Invent. My team and I are building what I call Human-AI Chemistry — the hard work of making sure people and systems are actually ready for each other before we hit deploy.

What does that mean in practice?
→ Stop renting tools. Start building Engines that compound value.
→ Stop measuring adoption. Start measuring Cognitive Load, Stress, and Trust.
→ Stop chasing collaboration. Start engineering fusion.

This isn't theory. We're testing it, breaking it, and scaling what works — inside Capgemini and with clients who are done pretending.

33,000+ people follow along. 
If you're serious about making AI actually work, welcome.

Bora Ger

2026 won't be the year of AI scale.
It will be the year we learn that scale requires chemistry.

Enterprises will pour billions into AI in 2026.

Most of it will fund expensive shelfware.
The culprit? We're measuring the wrong thing.

Wharton just released their Wave 3 GenAI report:

88% of leaders expect budget increases.
80% expect payoff within 2-3 years.
Enterprise adoption is accelerating.

Their prescription for 2026 success?

"Training, hiring, and rollout approaches are key human capital aspects that need to be addressed."

That's it. 
That's the human-side strategy.

Meanwhile:

→ 95% of AI pilots fail to reach production (MIT)
→ 42% of companies abandoned most AI initiatives this year (S&P Global)
→ 75% of employees lack confidence using AI tools
→ 63% cite human factors as their primary implementation challenge

We keep measuring the technology. We keep ignoring the connection.

Here's what I've learned building AI capability at scale:

The problem isn't adoption --> It's readiness.
The gap isn't training hours --> It's cognitive load.
The failure isn't the model --> It's the friction.

High-performing Human-AI systems share four traits:

𝗣𝗲𝗿𝗳𝗼𝗿𝗺𝗮𝗻𝗰𝗲 that delivers accurate outputs.
𝗧𝗿𝘂𝘀𝘁 that's calibrated—neither blind nor absent.
𝗖𝗼𝗴𝗻𝗶𝘁𝗶𝘃𝗲 𝗟𝗼𝗮𝗱 that releases mental bandwidth, not consumes it.
𝗦𝘁𝗿𝗲𝘀𝘀 that stays below the abandonment threshold.

When these align, value compounds.
When they don't, you get shelfware with a budget line.

Measure what matters.

Global AI Capability Lead | Creator of the Human-AI Chemistry Index | Chief AI Strategist @ Global AI Lab: Turning Future Signals into Sovereign Assets

𝗧𝗵𝗲 𝗔𝗜 𝗘𝘅𝘁𝗿𝗮𝗰𝘁𝗶𝗼𝗻 𝗘𝗰𝗼𝗻𝗼𝗺𝘆: 𝗬𝗼𝘂 𝗕𝘂𝗶𝗹𝗱 𝗜𝘁, 𝗧𝗵𝗲𝘆 𝗖𝗼𝗻𝘀𝘂𝗺𝗲 𝗜𝘁

Three numbers that should terrify every content creator:

• 79% CTR drop when AI Overviews appear
• 69% of searches now end without a single click
• 1% of users click links inside AI summaries

The traffic-based internet is dying. 
And AI is writing the obituary.

𝗧𝗛𝗥𝗘𝗘 𝗖𝗔𝗦𝗘 𝗦𝗧𝗨𝗗𝗜𝗘𝗦 𝗧𝗛𝗔𝗧 𝗦𝗛𝗢𝗪 𝗧𝗛𝗘 𝗗𝗔𝗠𝗔𝗚𝗘

1. 𝗦𝘁𝗮𝗰𝗸 𝗢𝘃𝗲𝗿𝗳𝗹𝗼𝘄
Built the knowledge base that trained every coding AI.
Now developers get answers from ChatGPT instead of visiting the site.
Monthly questions are back to 2008 levels.
15 years of community growth erased.

2. 𝗧𝗮𝗶𝗹𝘄𝗶𝗻𝗱 𝗖𝗦𝗦
Became embedded in AI coding tools with 75 million developers downloading it monthly.
But those developers never see Tailwind's website, docs, or paid products.
Revenue down 80%.
Three of four engineers gone.

3. 𝗖𝗹𝗲𝗮𝗻 𝗘𝗮𝘁𝗶𝗻𝗴 𝗞𝗶𝘁𝗰𝗵𝗲𝗻
Spent years perfecting recipes Google now summarizes in search results.
Users get the ingredient list and instructions without clicking through.
80% of traffic vanished.
Ten employees became zero.

𝗧𝗛𝗘 𝗕𝗨𝗦𝗜𝗡𝗘𝗦𝗦 𝗠𝗢𝗗𝗘𝗟 𝗛𝗔𝗦 𝗙𝗟𝗜𝗣𝗣𝗘𝗗

𝗢𝗹𝗱 𝗠𝗼𝗱𝗲𝗹:
Create content → Attract visitors → Monetize attention

𝗡𝗲𝘄 𝗠𝗼𝗱𝗲𝗹:
Create content → AI extracts value → Users never arrive

Your content still gets consumed.
Your value still gets delivered.
Your business just doesn't benefit.

𝗧𝗛𝗜𝗦 𝗜𝗦𝗡'𝗧 𝗔 𝗧𝗘𝗖𝗛 𝗨𝗣𝗗𝗔𝗧𝗘

It's a fundamental restructuring of value flow on the internet.

If your business depends on humans clicking through to your site, you're no longer selling to customers.

You're supplying training data to competitors.

Thanks Robin Jose for the inspiration.

𝗡𝗩𝗜𝗗𝗜𝗔 𝗷𝘂𝘀𝘁 𝗽𝗿𝗼𝘃𝗲𝗱 𝗘𝗹𝗼𝗻 𝗿𝗶𝗴𝗵𝘁.

And every car company is about to feel it.

The Alpamayo announcement at CES wasn't just another self-driving upgrade.
It's the moment autonomy started exposing its "thought process" in ways humans can understand.

Old approach: "If pedestrian detected, then brake."
Alpamayo approach: "That person looks distracted, checking their phone, approaching the crosswalk at an unusual angle. 
I should slow down and prepare for unpredictable movement."

𝗧𝗵𝗮𝘁'𝘀 𝗻𝗼𝘁 𝗵𝗶𝗱𝗱𝗲𝗻 𝗰𝗼𝗱𝗲. 𝗧𝗵𝗮𝘁'𝘀 𝗿𝗲𝗮𝘀𝗼𝗻𝗶𝗻𝗴 𝘆𝗼𝘂 𝗰𝗮𝗻 𝗶𝗻𝘀𝗽𝗲𝗰𝘁.

Mercedes-Benz CLA will ship with this technology to handle the complex safety scenarios that break traditional rule-based systems.

𝗛𝗘𝗥𝗘'𝗦 𝗪𝗛𝗬 𝗧𝗛𝗜𝗦 𝗩𝗔𝗟𝗜𝗗𝗔𝗧𝗘𝗦 𝗧𝗘𝗦𝗟𝗔

Vision-heavy, end-to-end learning was always the right bet.
While competitors added more sensors and hand-crafted logic, Tesla doubled down on teaching cars to see and behave like human drivers.

NVIDIA just made Tesla's approach the industry standard.

Autonomy doesn't fail at 80% or 90% accuracy.
It fails at 99%.

That last 1% - the weird edge cases no engineer anticipated - is where reasoning beats rules.

And where human-AI interaction becomes critical.

If the model can explain why it's slowing, swerving, or yielding, humans can debug and improve instead of guessing at a black box.

𝗕𝗨𝗧 𝗡𝗩𝗜𝗗𝗜𝗔'𝗦 𝗥𝗘𝗔𝗟 𝗠𝗔𝗦𝗧𝗘𝗥𝗦𝗧𝗥𝗢𝗞𝗘

They opened Alpamayo as a reasoning stack others can build on - while keeping the best performance bound to their platform.

This is Google's Android playbook for autonomy.

Democratize the software patterns, own the compute underneath.
Every car manufacturer can use the reasoning stack, but the fastest path runs on NVIDIA's hardware and cloud.

While AMD scrambles with Ryzen AI 400 and Samsung promises "AI Living," NVIDIA just positioned itself as the default brain for autonomous vehicles.

𝗣𝗛𝗬𝗦𝗜𝗖𝗔𝗟 𝗔𝗜 𝗜𝗦 𝗧𝗛𝗘 𝗡𝗘𝗪 𝗙𝗥𝗢𝗡𝗧𝗜𝗘𝗥

CES made this clear:
→ Hyundai's humanoid robots moving from showcase to factory floors
→ NVIDIA's Vera Rubin platform scaling beyond vehicles into general robotics
→ Samsung's AI-everywhere vision wiring intelligence into every home device

Your environment is about to get smart.
Not just connected - but filled with systems whose internal logic is increasingly exposed and shaped by humans in real time.

Ray Dalio calls this an AI bubble, but bubbles don't come with hard safety cases and robot fleets operating under physics.

Physical AI is where abstraction ends and interaction with the real world becomes the bottleneck.

Software can scale infinitely.
Physical intelligence has to work in three dimensions, with consequences.

𝗧𝗵𝗲 𝗾𝘂𝗲𝘀𝘁𝗶𝗼𝗻 𝗶𝘀𝗻'𝘁 𝘄𝗵𝗲𝘁𝗵𝗲𝗿 𝘁𝗵𝗶𝘀 𝗶𝘀 𝗰𝗼𝗺𝗶𝗻𝗴. 

𝗜𝘁'𝘀 𝘄𝗵𝗲𝘁𝗵𝗲𝗿 𝘆𝗼𝘂'𝗿𝗲 𝗯𝘂𝗶𝗹𝗱𝗶𝗻𝗴 𝗳𝗼𝗿 𝗮 𝘄𝗼𝗿𝗹𝗱 𝘄𝗵𝗲𝗿𝗲 𝗲𝘃𝗲𝗿𝘆𝘁𝗵𝗶𝗻𝗴 𝗲𝘅𝗽𝗹𝗮𝗶𝗻𝘀 𝗶𝘁𝘀𝗲𝗹𝗳 𝗯𝗲𝗳𝗼𝗿𝗲 𝗶𝘁 𝗮𝗰𝘁𝘀.

𝗗𝗲𝗲𝗽𝗦𝗲𝗲𝗸 𝗷𝘂𝘀𝘁 𝗱𝗿𝗼𝗽𝗽𝗲𝗱 𝘁𝗵𝗲𝗶𝗿 𝗳𝗶𝗿𝘀𝘁 𝗺𝗮𝗷𝗼𝗿 𝗽𝗮𝗽𝗲𝗿 𝗼𝗳 𝟮𝟬𝟮𝟲.

This paper matters more than DeepSeek-V3 did.

"mHC: Manifold-Constrained Hyper-Connections" isn't just research.
It's DeepSeek's blueprint for building frontier AI on a budget that would embarrass Silicon Valley.

While everyone else throws billions at bigger compute, they're rewriting the efficiency playbook.

Here's what this means for your strategy:

𝗧𝗛𝗘 "𝗢𝗨𝗧𝗦𝗣𝗘𝗡𝗗 𝗧𝗢 𝗪𝗜𝗡" 𝗘𝗥𝗔 𝗜𝗦 𝗢𝗩𝗘𝗥

DeepSeek has access to fewer H100s than OpenAI buys in a week.
Their response? Architectural innovation that makes every chip work exponentially harder.

This paper shows how they're squeezing frontier performance from constrained hardware.
The uncomfortable truth: throwing money at AI problems is becoming a luxury, not a requirement.

𝗧𝗛𝗜𝗦 𝗜𝗦 𝗠𝗢𝗥𝗘 𝗙𝗢𝗨𝗡𝗗𝗔𝗧𝗜𝗢𝗡𝗔𝗟 𝗧𝗛𝗔𝗡 𝗩𝟯 𝗪𝗔𝗦

DeepSeek-V3 proved they could compete on performance.
This paper shows they're rethinking the underlying architecture itself.

Manifold-constrained hyper-connections aren't incremental improvements.
They're a fundamentally different approach to how neural networks learn and scale.

DeepSeek-V3 was the product. This is the engine that powers what comes next.

𝗔𝗜 𝗖𝗔𝗣𝗔𝗕𝗜𝗟𝗜𝗧𝗬 𝗜𝗦 𝗗𝗘𝗖𝗘𝗡𝗧𝗥𝗔𝗟𝗜𝗭𝗜𝗡𝗚 𝗙𝗔𝗦𝗧𝗘𝗥 𝗧𝗛𝗔𝗡 𝗘𝗫𝗣𝗘𝗖𝗧𝗘𝗗

Export controls were designed to create a moat around frontier AI.
Instead, they're accelerating innovation on efficiency.

When you can't outspend competitors, you have to outthink them.
The result: architectural breakthroughs that make expensive compute optional.

𝗧𝗛𝗘 𝗥𝗘𝗔𝗟 𝟮𝟬𝟮𝟲 𝗤𝗨𝗘𝗦𝗧𝗜𝗢𝗡

When capable AI becomes commoditized - and it's happening fast - the strategic advantage shifts.

It's not which model you license.
It's how effectively your organization absorbs AI capability.

This is the Chemistry Index: measuring your human system's readiness to work with AI, not just the AI's power.

Most companies are optimizing for model selection.
Winners in 2026 will optimize for organizational integration.

𝗧𝗵𝗲 𝗰𝗼𝗺𝗽𝗮𝗻𝗶𝗲𝘀 𝘀𝘁𝗶𝗹𝗹 𝗱𝗲𝗯𝗮𝘁𝗶𝗻𝗴 "𝗢𝗽𝗲𝗻𝗔𝗜 𝘃𝘀 𝗖𝗹𝗮𝘂𝗱𝗲 𝘃𝘀 𝗚𝗲𝗺𝗶𝗻𝗶" 𝗮𝗿𝗲 𝗵𝗮𝘃𝗶𝗻𝗴 𝗹𝗮𝘀𝘁 𝘆𝗲𝗮𝗿'𝘀 𝗰𝗼𝗻𝘃𝗲𝗿𝘀𝗮𝘁𝗶𝗼𝗻.

Start designing systems for AI integration, not AI procurement.

𝗪𝗵𝗮𝘁'𝘀 𝘆𝗼𝘂𝗿 𝗼𝗿𝗴𝗮𝗻𝗶𝘇𝗮𝘁𝗶𝗼𝗻 𝗼𝗽𝘁𝗶𝗺𝗶𝘇𝗶𝗻𝗴 𝗳𝗼𝗿: 𝗔𝗜 𝘀𝗲𝗹𝗲𝗰𝘁𝗶𝗼𝗻 𝗼𝗿 𝗔𝗜 𝗮𝗯𝘀𝗼𝗿𝗽𝘁𝗶𝗼𝗻?

𝗚𝗼𝗼𝗴𝗹𝗲'𝘀 𝗺𝗼𝗻𝘁𝗵𝘀 𝗼𝗳 𝘄𝗼𝗿𝗸 𝗷𝘂𝘀𝘁 𝗴𝗼𝘁 𝗿𝗲𝗽𝗹𝗶𝗰𝗮𝘁𝗲𝗱 𝗶𝗻 𝗼𝗻𝗲 𝗵𝗼𝘂𝗿.

Google Principal Engineer Jaana Dogan dropped this reality check yesterday:

Anthropic's Claude Code generated a distributed agent orchestration system in 60 minutes.

The same problem Google had been working on since last year.

Not perfect. 
But comparable.

And that's before the feedback loop.

Boris Cherny, Claude Code's creator, revealed the multiplier: 
Enable the tool to self-check its work.
That iterative process doubles or triples output quality.

Think about it. 
An AI writing code, then reviewing its own code, then improving it. 
Automatically.

𝗧𝗵𝗶𝘀 𝗶𝘀𝗻'𝘁 𝗷𝘂𝘀𝘁 𝗮 𝗰𝗼𝗼𝗹 𝗱𝗲𝗺𝗼. 𝗜𝘁'𝘀 𝗮 𝗳𝘂𝗻𝗱𝗮𝗺𝗲𝗻𝘁𝗮𝗹 𝘀𝗵𝗶𝗳𝘁.

Your engineering capacity just expanded beyond traditional project planning assumptions.

Complex system architecture that previously required months of senior engineer time? Now takes days.
Proof-of-concept development that consumed entire quarters? Done in weeks.
Technical debt that's been sitting in your backlog for years? Finally addressable.

𝗧𝗵𝗲 𝗻𝗲𝘄 𝗯𝗼𝘁𝘁𝗹𝗲𝗻𝗲𝗰𝗸 𝗶𝘀𝗻'𝘁 𝗰𝗼𝗱𝗶𝗻𝗴 𝘀𝗽𝗲𝗲𝗱.

It's knowing what problems are worth solving.
It's architectural decision-making.
It's understanding how systems integrate with your business logic.

Your best engineers won't be replaced by AI. 
They'll be freed from the grunt work to focus on what actually drives value: strategy, optimization, and solving the edge cases that matter.

That's human-AI chemistry working beautifully in action. 

But this only works if you recalibrate what you expect from your teams.

Stop planning like it's 2023. 
Start asking for solutions that seemed impossible six months ago.

𝗠𝗧𝗩 𝗷𝘂𝘀𝘁 𝘀𝗵𝘂𝘁 𝗱𝗼𝘄𝗻 𝗶𝘁𝘀 𝗴𝗹𝗼𝗯𝗮𝗹 𝗺𝘂𝘀𝗶𝗰 𝗰𝗵𝗮𝗻𝗻𝗲𝗹𝘀 𝗼𝗻 𝟯𝟭.𝟭𝟮.𝟮𝟬𝟮𝟱.

Their final song? "Video Killed the Radio Star" by The Buggles.

The exact same song that launched MTV on August 1st, 1981.

Technology doesn't just evolve - it cannibalizes itself with poetic precision.

𝗧𝗛𝗘 𝗜𝗥𝗢𝗡𝗬 𝗜𝗦 𝗘𝗩𝗘𝗥𝗬𝗧𝗛𝗜𝗡𝗚

MTV didn't just broadcast music videos. 
It created the template for how each generation of media kills its predecessor while birthing its own replacement.

Video killed radio. 
Streaming killed broadcast. 
Algorithms killed curation.
Each convinced it would be different. 
Each eventually consuming its own relevance.

It's the end of shared cultural gatekeeping and the beginning of personalized cultural isolation.

𝗪𝗛𝗘𝗡 𝗘𝗩𝗘𝗥𝗬𝗢𝗡𝗘 𝗪𝗔𝗧𝗖𝗛𝗘𝗗 𝗧𝗛𝗘 𝗦𝗔𝗠𝗘 𝗖𝗛𝗔𝗡𝗡𝗘𝗟

MTV didn't just show music videos. 
It decided which stories an entire generation experienced together. 

The platform amplified voices that radio systematically ignored.
 It created visual representation for artists who looked different, came from different places, told different stories.

They were curatorial choices with cultural consequence.

𝗙𝗥𝗢𝗠 𝗖𝗨𝗥𝗔𝗧𝗜𝗢𝗡 𝗧𝗢 𝗔𝗟𝗚𝗢𝗥𝗜𝗧𝗛𝗠

Now your next song is determined by data points from your last hundred plays. 
Engagement metrics optimize for retention, not revelation.

Personalized feeds give you more of what you already consume, less of what might challenge or change you. 
Art becomes data. 
Discovery becomes prediction. 
Cultural moments become individual consumption patterns.

We gained infinite choice and lost serendipitous discovery.
We got perfect personalization and lost shared cultural experiences.
We optimized for individual satisfaction and lost collective cultural evolution.

The algorithm doesn't care if you see someone who looks like you succeed. It cares if you stay engaged. There's a difference between giving people what they want and showing them what they need to see.

𝗧𝗛𝗘 𝗥𝗘𝗔𝗟 𝗟𝗢𝗦𝗦

MTV's shutdown isn't about nostalgia for music videos.

It's about the fundamental shift from broadcast culture to algorithmic culture. 
From curators who took creative risks to systems that minimize them. 
From platforms that shaped cultural taste to feeds that reflect it back without challenge.

The Buggles predicted their own obsolescence. 
"Video Killed the Radio Star" was both celebration and eulogy.

But what kills the video? 
Data does. 

And what kills human curation? 
Algorithmic optimization does.

Technology doesn't just change how we consume culture. 
It determines whose culture gets consumed, whose stories get amplified, whose art gets discovered.

We're not just changing how we find music. 
We're changing how culture finds us.

taplio

The Battle

Renee Cohen, CFP®

Bora Ger

Followers

Posts

Engagements

Likes

Performance ScoreRenee Cohen, CFP®'s LinkedIn Performance

Performance ScoreBora Ger's LinkedIn Performance

Ready to grow your LinkedIn presence?

taplio

The Battle

Renee Cohen, CFP®

Bora Ger

Followers

Posts

Engagements

Likes

Performance Score.css-goub6s{font-size:var(--chakra-fontSizes-md);font-weight:500;color:var(--chakra-colors-gray-600);display:block;margin-top:var(--chakra-space-1);}Renee Cohen, CFP®'s LinkedIn Performance

Performance ScoreBora Ger's LinkedIn Performance

Ready to grow your LinkedIn presence?

Performance ScoreRenee Cohen, CFP®'s LinkedIn Performance