Tom Bilyeu

or an insurance company who backs the annuity your parents are living on, or now, potentially, directly into your 401 .

The company at the bottom of that chain, the one that actually has to generate the cash to service the debt that the private markets are cramming on top of it, might be a mid-market software firm that's about to get disrupted by AI.

or an auto parts supplier running on razor-thin margins, or a healthcare company that's been acquired three times in five years and is carrying more debt than revenue, this is happening more and more frequently, if that company can't pay, the loss doesn't stay at the top.

It waterfalls down through the fund, through the pension, into the retirement account of someone who was never told this is what they owned.

I call this the risk waterfall.

Risk doesn't disappear, it just flows downhill.

And in this system, it always ends up in the same place with the people who have the least information and the fewest options to get out of the way.

Hang tight, we'll be back in just a moment.

Let's talk about a problem that is hiding in plain sight.

You're using AI for everything now, like everybody else.

Every single conversation is being stored, analyzed, and used to build a profile on you.

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Duck.ai gives you access to the same AI tools you're already using, but without the privacy trade-off.