Register For Our Mailing List

Register to receive our free weekly newsletter including editorials.

Home / 653

Showcasing your value in the age of AI shortcuts

For the past few decades, being in shape was the ultimate ‘proof of work’. You couldn’t buy it. You had to earn it. Unless you had top 5% genetics, you had to build your physique through diet and exercise.

But then something incredible happened. GLP-1 agonists (like Ozempic) hit the market and, overnight, a better body was only a weekly injection away. As a result, the old signal (being fit) became less valuable as it could now be acquired without the physical exertion.

The same thing is happening with writing. Writing used to be a craft where someone toiled for hours thinking through a set of ideas before putting them out into the world. Today, that’s no longer necessary. You can have an LLM generate seemingly infinite text at will.

This explains why I saw more books published in 2025 than I can remember in recent years, especially by people who don’t write regularly. Funny, huh?

Of course, if you rely too heavily on AI, your ‘writing’ won’t be all that good. Either way, the written word is far less useful as a signal of thought or effort than it used to be.

I call this signal collapse and it’s happening again and again across different domains. For example, writing code used to be a reliable signal of skill and dedication. But with OpenAI’s Codex and Anthropic’s ClaudeCode, today that seems less true.

AI doomer articles over the past few weeks haven’t helped the situation either. On February 9, Matt Schumer released Something Big is Happening, and on February 22, Citrini released The 2028 Global Intelligence Crisis, which both went viral.

There’s a lot I don’t agree with in both articles, yet both seem directionally accurate. We are moving toward a future more reliant on LLM-intelligence, not less. And in that future, many signals that used to demonstrate value will be easier to fake.

So, how do we display value going forward? What’s the new proof of work?

The new proof of work

In a world increasingly dominated by low-effort, here are a few ways to signal the opposite:

  • Leverage your history: If you had a particular skill before it became commoditized, demonstrate that. Lean into it. By showing people that you did something before it was easy, it proves that you are willing to put in the work to master something. More importantly, it showcases that you have an actual interest in the field. If I had to pick between hiring a programmer who’s been doing it for 20 years or one who started with AI a few years ago, I’d take the veteran every time. Though knowledge is becoming commoditized via LLMs, experience, taste, and judgement are still at a premium. This explains why top lawyer fees have skyrocketed even as AI usage explodes.
  • Unfortunately, leveraging your history won’t be helpful for those just starting out, but it showcases how you can go about building your career.
  • Do deep work: Focus is a superpower and, increasingly, a signal. In an age of distraction, those who can spend weeks, months, or years on a single project will separate themselves from the pack. Cal Newport calls this idea Deep Work. You can demonstrate deep work by completing things that require sustained attention—like complex projects, novel content, or differentiated research. Most people can’t work for an hour straight without checking their phone or logging into social media. But, if you can, then you’ll have a huge edge over others in everything you do. In a world where our attention is being pulled in 100 different directions, the ability to focus on one at a time is an unfair advantage.
  • Command attention: Speaking of attention, if you want to stand out, command the attention of others. Because our world is so easily distracted, having people’s attention is proof that you have created something valuable. That attention doesn’t have to come from social media either. Having the attention of a local community or a niche group can be just as powerful as having it within a popular online space. You don’t need to be a content creator, but if you can keep attention and build a community, you will undoubtedly be rewarded for it. I believe this will be especially true for in-person communities in 2026 and beyond.
  • Embrace the machine: If you can’t beat ’em, join ’em. Instead of looking at AI as a foe to be avoided, treat it as a partner to help you level up. As I’m sure you’ve heard before, “AI isn’t going to take your job—someone using AI is going to take your job.” There’s no better way to counteract this than to become the person who knows how to use AI. I’m not saying you need to become an AI expert, but you should know enough to expand your capabilities and keep up with the latest tools. Not only will this demonstrate that you take this seriously, but it also highlights that you can be adaptable.

Don’t just take it from me though. In Deep Work, Cal Newport highlighted the people that he thought would have an advantage in an increasingly digital economy (and this was from 2016!):

“In this new economy, three groups will have a particular advantage: those who can work well and creatively with intelligent machines, those who are the best at what they do, and those with access to capital.”

Newport’s categories map well onto the ones above:

  • Those who work well with intelligent machines = Embrace the Machine
  • Those who are the best at what they do = Leverage Your History + Do Deep Work
  • Those with access to capital = Command Attention
    I swapped capital with attention because, in many ways, attention is the new capital.

Whatever you decide to do, there’s a structural shift happening in the economy that’s going to take some time to play out. Some believe that this transformation will make labor obsolete. I’m skeptical, but some of the signs are there.

For example, the labor share of the non-farm business sector in the U.S. has declined about 15% since the turn of the century. As you can see in the chart below, labor’s share (of the non-farm business sector) was basically flat from 1947 to 2001. But it’s been on a gradual decline ever since:

We are also seeing economic trends that rarely occur. Kelly Evans recently wrote about how there’s a jobless boom - where the economy surges even as the labor market remains weak. This isn’t normal. Historically, growth and hiring typically moved together. But today, that doesn’t seem to be the case.

For the past few weeks I’ve written a bit more about AI than you might expect from a personal finance/investing blogger. But there’s a reason for it. Though I’d love to ‘stay on message’ and write more posts validating Just Keep Buying, this would be doing you a disservice.

Because, the truth is, your finances will be impacted more by your career than what the market does.

Of course, the market matters, but your income matters more. How AI transforms your industry matters more. How you rise above signal collapse matters more.

If I want to continue to be helpful, I must periodically address these issues. Though the signals of the future will continue to evolve, if we continue to evolve with them, we’ll do just fine.

 

Nick Maggiulli is the creator of personal finance blog Of Dollars And Data and the Chief Operating Officer at Ritholtz Wealth Management. For disclosure information please see here. If you liked this article, consider signing up for Nick’s newsletter.

 

  •   11 March 2026
  • 2
  •      
  •   

RELATED ARTICLES

More than money

banner

Most viewed in recent weeks

Indexation implications – key changes to 2026/27 super thresholds

Stay on top of the latest changes to superannuation rates and thresholds for 2026, including increases to transfer balance cap, concessional contributions cap, and non-concessional contributions cap.

The refinery problem: A different kind of energy crisis in 2026

The Strait of Hormuz closure due to US-Iran conflict severely disrupted global energy supply chains. While various emergency measures mitigated the crude impact, the refined product market faces unprecedented stress.

Has Australia wasted the last 30 years?

The 20 years after Peter Costello left Treasury have been deemed wasted...by Peter Costello. The missed opportunities for Australia began long before.  

3 ways to defuse intergenerational anger

With the upcoming budget increasingly likely to include bold proposals to alter the tax code I’ve outlined three incremental steps with fewer unintended consequences.

Navigating the next stage of life in retirement

Retirement planning is more than just saving enough money. Long-term care needs, housing choices, and social networks are just as critical for a happy and enjoyable life.

The missing 30%: how LIC returns are understated, and why it matters

The perceived underperformance of LICs compared to ETFs is due to existing comparison data excluding crucial information, highlighting the need for proper assessment and transparent reporting.

Latest Updates

Superannuation

Do super funds need a massive wake up call?

UK retirement expert, Guy Opperman, believes super funds are failing at supporting members in deaccumulation. Here is what Australia should do about it. 

Retirement

Sequencing risk resurfaces for retirees

A retirement strategy must consider how both the timing of cash flows and the sequence of returns impact the final dollar outcome from which a retirement is funded.

SMSF strategies

Meg on SMSFs: Payday super – why should SMSF members even care?

Not filing your SMSF annual return on time can mean missed contributions under the new Payday super regulation. 

Strategy

There will be no permanent underclass

Worries about AI causing mass job loss are misguided. Far from creating a permanent underclass, Like other technological innovations AI will improve living standards around the world.

Taxation

Reforming the taxation of wealth and wealth transfers

As the budget approaches debate continues about the need and method for addressing wealth inequality. Could reinstating wealth transfer taxes be the answer?

Investment strategies

The biggest oil shock in history. Why isn't the price higher?

While increases in oil prices are dominating media coverage of the turmoil in the Middle-East it is worth exploring why prices haven't gone up more. 

Financial planning

Structured giving's new moment

A big year for philanthropy has seen multiple tax changes impact the approach donors are taking. For those with the intention to give generously there is a third structure available in the structured giving landscape.

Sponsors

Alliances

© 2026 Morningstar, Inc. All rights reserved.

Disclaimer
The data, research and opinions provided here are for information purposes; are not an offer to buy or sell a security; and are not warranted to be correct, complete or accurate. Morningstar, its affiliates, and third-party content providers are not responsible for any investment decisions, damages or losses resulting from, or related to, the data and analyses or their use. To the extent any content is general advice, it has been prepared for clients of Morningstar Australasia Pty Ltd (ABN: 95 090 665 544, AFSL: 240892), without reference to your financial objectives, situation or needs. For more information refer to our Financial Services Guide. You should consider the advice in light of these matters and if applicable, the relevant Product Disclosure Statement before making any decision to invest. Past performance does not necessarily indicate a financial product’s future performance. To obtain advice tailored to your situation, contact a professional financial adviser. Articles are current as at date of publication.
This website contains information and opinions provided by third parties. Inclusion of this information does not necessarily represent Morningstar’s positions, strategies or opinions and should not be considered an endorsement by Morningstar.