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The Retirement Plan That Didn’t Pan Out
Most of us grew up with the same script:
- Work hard
- Save 10-15%
- Put it in a 401(k)
- Retire at 65
And honestly, that plan isn’t bad. It can work.
But here’s the problem: it only works if you start early, stay consistent, and avoid any of life’s curveballs. No layoffs. No divorces. No medical bills. No market crashes.
That’s not real life for most of us.
Maybe you started late instead of at 23. Maybe life punched you in the gut a few times. Or maybe you did most of it right and still came up short.
Now you’re staring down the barrel of retirement, doing the math—and the math isn’t adding up. You’re portfolio is missing a comma.
The Real Cost of Income in Retirement
Let’s put it in plain numbers.
If you want to generate $2,000 to $5,000 a month in retirement income without burning through savings, you’d need $600,000 to $1.5 million invested. Safely. According to the 4% rule.
That’s assuming everything goes right—steady markets, low inflation, no emergencies.
Most people I talk to don’t have that kind of pile sitting around. Again, they’re missing a comma.
And at this stage of life? There’s not enough time to save your way there.
So if saving your way to freedom is off the table, what’s left?
You Build Income. Cash Flow. Leverage.
Not a second job. Not gig work.
You build a small, smart, home-based business that kicks off $2K to $5K a month. Just like that big retirement account would have, if you’d started earlier and never missed a beat.
And here’s the part I’m excited about:
You don’t have to do it all yourself anymore.
You’ve got help—real help—from AI.
Why AI Changes the Game for Guys Like Us
Forget the hype. AI isn’t about robots or replacing people. Will jobs go away because of AI? Probably, but that’s a drink for another day.
What we want to focus on for our purposes is how AI can give you leverage.
It can help you write better emails, plan better content, brainstorm better ideas. It can summarize long articles, organize your thoughts, and even help you translate complex ideas into plain English.
Think of it like hiring a part-time content guy, marketing guy, and idea guy—without adding to payroll.
The funny part? You’ve probably already used AI without thinking about it:
- Voice typing on your phone? That’s AI.
- Netflix recommendations? AI.
- Google auto-complete? AI.
- And now every search on Google or Bing is bringing you AI summarized answers.
It’s already in your pocket. Now it’s time to put it to work.
Real-World Examples from My Business
I’m not spit balling theory here. I’ve used AI tools like ChatGPT to:
- Draft emails
- Turn blog posts into video scripts
- Create outlines, offers, and product names
- Repurpose content across platforms (LinkedIn, Facebook, YouTube)
Heck, this article was drafted by ChatGPT from a course I wrote using AI.
It spits out the draft. I edit and polish. and I have an article in a fourth of the time it would take me to do it starting from a blank page.
It’s not perfect (yet), but it’s fast, efficient, and flexible.
And it multiplies what I can do without burning me out.
No, You Don’t Need to Be a Tech Expert
This isn’t about becoming an AI expert. Any more than you needed to be a developer to use Microsoft Office.
You’re simply using the tools that already exist to build a business that works for you—one that doesn’t require 40-hour weeks or endless hustle.
A home business powered by AI gives you:
- Speed
- Simplicity
- A fighting chance to build income now—not in some distant, hypothetical future
Final Thought
You don’t need a million dollars saved.
You need two to five thousand dollars a month coming in—reliably—so you can breathe, relax, and live life on your terms.
You can build that. I’m building it too.
You’re not behind. You’re not out of time.
You just need a new plan—and the tools to help you work smarter, not harder.
AI is one of those tools.
And this blog, this course, and this community?
They’re here to help you make the most of it.
If you’re ready to start building something like this for yourself, grab my free UnFck Your Retirement guide. It’ll walk you through the steps I used to get my cash flow flywheel started —and how you can do it too.
