Is AI the ultimate retirement hack?

The book—described in Stern’s site as an “instant NYT bestseller”—inspired me to reach out on LinkedIn and Featured.com to see whether retirees could benefit from some of these ideas, both financially in order to get to retirement in the first place and, once there, to discover how AI might be used to spend the resulting leisure time that accrues to retirees. I know plenty of retired or semi-retired friends who are writing books, playing around with AI music or art, and other creative pursuits assisted by AI tools like Chat GPT, Grok, or Claude.

While my family members dabble in some of these tools, I confess I’ve not yet immersed myself in them, although I find AI to be an interesting theme as an investment, if only through an exchange-traded fund like AIS, the VistaShares Artificial Intelligence Supercycle ETF. (Its top holdings are the usual tech/semiconductor suspects: Nvidia, Micron, Intel, Taiwan Semiconductor, AMD, SK Hynix, GE Vernova, and another 50 or so names.)

Stern’s book came to my attention via an interview with Jim Cramer in his Mad Money podcast. Cramer himself appears to be immersed in every AI tool from Claude to Google’s Gemini.

Stern certainly doesn’t think every AI app is worth the bother or expense (they’re not necessarily free even if, as in the drug world, the first hit is free). If you’re still in the workforce or a young person just getting started, there’s little doubt you’ll have little choice but to embrace this technology. As Nvidia president and CEO Jensen Huang has said, workers don’t necessarily have to fear losing their jobs to AI but they should fear losing their jobs to other employees who know how to use AI.

Certainly, AI is having a huge impact on those just starting out in their working careers, and probably those in mid-career as well. As Stern points out, nearly 80% of organizations reported using AI in at least one part of their business by early 2025. As an author, she’s brutally honest and often quite funny. Early on she admits she is “genuinely optimistic about technology and how it can improve our lives.” Even so, once she tried to incorporate AI into every aspect of her life, she discovered “a lot of these tools suck.”

Putting chatbots, robots, wearables and self-driving cars to the test

In all, Stern tested more than 100 AI tools, from chatbots to wearables to self-driving cars and home robots. Her self-imposed rule was to keep using something if it was useful; if not, she dropped it. She also tracked costs: “Many of these AI tools cost something, even if some of them started with a free trial, which quickly turned into a monthly subscription.” 

In places, she’s quite critical of how some professionals use AI against consumers. An example is dentistry: “Some dentists are using AI to upsell the crap out of us.” Or as she says, “Dentistry is part science, part art, and part business.” Even so, she is a bit more encouraging about AI’s role in the broader medical profession. Within two years, she predicts, “you should never sit and talk to a doctor without an LLM [Large Language Model] being in the meeting… AI is a good second opinion… It’s clear that a ‘doctor alone’ is not as good as either ‘AI alone’ or ‘doctor plus AI.’”

While Chat GPT and Claude or other LLMs can be used to help with investment advice, Stern also tested more focused AI tools, such as Arta, a wealth management startup testing AI financial planners, and Cleo, an AI financial assistant app. 

Retirees actually have the time to play around with AI

Retirement or semi-retirement is different than the working world, which is why I was curious about how AI can help retirees with their leisure and creative pursuits, travel, and even senior dating. Ironically, and as the first source selected below points out, “Retirees have an edge most working folks don’t: time to actually learn the tools.”

Stern touches on the creative aspect of AI, too, having evaluated AI music tools like Suno or Udio, which use generative AI to create songs. She abandoned them after two weeks, concluding that AI music is at its best when paired with humans and their creative prompts. She also tried Otter.ai, an AI transcription firm that offers tools that can “attend” meetings for you, record, and summarize them (something I have briefly experimented with myself). In video, Stern tried out Sora, which is OpenAI’s video model and app, to create short videos or deepfake videos of yourself called “cameos.”  

She closes her book with six rules for living in an AI world, starting with “working with AI, not for it. “Use it to move faster, spark ideas, automate the boring parts. But keep your weird, wonderful human judgement in the loop.”

When I posted an invitation to share ideas on Featured.com, I was surprized how many sources responded with their thoughts on AI and retirement: more than 50. I chose 17 of them, which you can read in full on my website, Findependence Hub.

In the normal space allotted to this Retired Money column, I can only touch on some of the headlines of those quotes, knowing interested readers can get the full version online. Most respondents mentioned health, finances, travel, senior dating, and creative pursuits facilitated by AI. More than one quipped that while coming up to speed on AI can be time-consuming, retirees should have plenty of leisure time to take advantage of it, unlike those still consumed by the workaday world. 

Wayne Lowry, CEO of Scale By SEO, put it well: “Retirees finally have something working folks don’t: time to actually learn the tool instead of just bolting it onto a busy day. That’s the unlock. AI rewards curiosity and iteration, and retirement is the perfect runway for both.”

Neill David Watson, Founder of APMZEE, observed that “the pattern I see is that people don’t lack interests later in life; they lack the patience for the friction, the research, the logistics, the learning curve that sits between ‘I’d like to’ and ‘I started.’ That friction is exactly what these tools dissolve.” Whether it’s learning to play a musical instrument, sketching out a plan to start a small business, or writing the great American novel, “AI can compress the daunting setup into a first step you’ll actually take.”

Retirement is the ultimate unlock for AI

Retirement is the ultimate unlock for AI, says Runbo Li, CEO of Magic Hour AI: “Most people over 60 don’t realize they’re sitting on the best possible use case for these tools. Here’s why: AI eliminates the learning curve. The thing that used to stand between ‘I want to paint’ and actually painting was years of skill-building. That barrier is gone.”