AI Will Get You 75% There, But the Last 25% Is Where Humans Win

Every professional I talk to today, especially in finance, asks the same question: “Will AI replace me?”
The honest answer is no. But it will replace parts of what you do.

AI has become the new baseline. It can research faster, calculate cleaner, and draft smoother than most of us on our best day. It gets you about 75 percent of the way there, giving you a foundation of knowledge that once took years of experience or hours of reading. Ask it about diversification, tax strategies, or retirement planning, and you’ll get a good starting point.

But that 75 percent is just the groundwork. It’s technically accurate but rarely complete. The other 25 percent — the part that requires judgment, empathy, and real-world experience — still belongs to humans.

The 75/25 Reality

AI helps you understand. It helps you save time and feel informed. But it doesn’t help you decide — not fully.
Wisdom still comes from experience, from seeing how markets behave, and from knowing how people respond when fear or greed takes over.

The future belongs to professionals who live in that last 25 percent. They see AI as a tool, not a substitute.
If you’re a financial advisor, AI can summarize tax code updates or build portfolio models in seconds. But it won’t know that your client panics every time the market drops, or that she still carries the memory of her parents losing everything in 2008. It can’t tell when to say, “You’re okay. Stay the course.”

That’s not data. That’s discernment.

Becoming the Top 10 Percent

In the age of AI, the middle will shrink. The bottom half — those who rely on generic advice or surface-level knowledge — will be automated. The next 40 percent will compete with AI-assisted generalists. The top 10 percent will stand out.

Why? Because AI can make average professionals good, but it can make great professionals exceptional.
When AI handles the research, the forms, and the math, you get to focus on the human layer. That’s the part that builds trust, interprets complexity, and turns knowledge into action.

That extra 10 to 15 percent of human insight is what separates those who are useful from those who are irreplaceable.

A Smarter Partnership

If you work in finance, medicine, or law — or any field built on trust — start using AI now.
Not because it’s perfect, but because it’s practical. Let it take care of the routine work so you can focus on what machines can’t replicate: judgment, creativity, and care.

AI will get you 75 percent there. Your job is to own the last 25 percent.
That’s where real value lives. That’s where you become the difference.