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A Retired Perspective on AI

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The Irony of the Machine

I have had a career in technology. For decades, my world was defined by a single, unwavering North Star: Efficiency. We were the builders. We were the ones who took a messy human process, digitized it, trimmed the fat, and turned a tidy profit for the shareholders. We lived by the logic that innovation was an absolute good. If a machine could do it better, let the machine do it. The “displaced” would find something else. That was the contract. If there was a way to code it better and a need, we found it and did it, with machines and code.

But now that I’ve stepped off the treadmill—now that I’m retired and watching my own kids try to find their footing in this “optimized” world—I’m starting to wonder if we broke the contract. Are we optimizing into oblivion?

The Broken Assumption

Capitalism, at its core, is a relentless search for the exit. We look for ways to eliminate “inefficiencies,” and in the world of business, the biggest inefficiency has always been human labor. We have always assumed that when one door closes, a new, more “advanced” door opens. Nobody, at least where I sat, worked in technology to put people out of work; we just looked to streamline or improve what we worked with. We were paid well for this work.

But as I watch the rise of AI, I see a different beast. This isn’t just a new tool; it’s a new worker. And unlike the assembly line or the spreadsheet, this worker doesn’t just replace the hands—it replaces the mind. Even things I did in Excel, projects that had value but required skill to produce, or Python scripts, I can now tell any AI tool to produce them in seconds. In many ways, my retirement was just the inevitable, maybe not this year, I retired in 2025, and I’m quite sure now it would be no later than next year. I am glad I am not 30 in this respect.

The Kids are Not Okay

I look at my children, who are smart, educated, and hardworking. They are doing everything “right,” yet they are staring down the barrel of a future where entire categories of their expertise might be rendered obsolete by a few lines of code or a simple “prompt-engineered question” by Tuesday afternoon.

As a tech guy, I see the “beauty” of the code. But as a father, I see the ethical void. If a company can replace 40% of its staff with a generative model, it will do so. That is capitalism working exactly as it was designed. But where does the responsibility go when the labor is no longer “economically necessary”?

The Ultimate Irony

This is the part that keeps me up at night. For years, we’ve dismissed ideas like Universal Basic Income as “socialism” or an ideological drift away from our “pull yourself up by your bootstraps” American grit. Every problem has a solution, correct? Maybe this one is self-solving?

But here’s the irony: We aren’t drifting toward socialism because of some political whim. We are drifting toward it because Capitalism is working too well. If a system becomes so efficient that it no longer needs people to produce value, then that same system has to figure out how those people are going to survive to buy the products the machines are making. A system that relentlessly optimizes profit may eventually require redistribution just to keep the social fabric from tearing at the seams. Shockingly, this fits with the mantra of Karl Marx

The Question on the Porch

So, I’m sitting here in retirement, looking at the technology I once championed, and I’m faced with a question that isn’t about code at all:

Is something like “socialism” the inevitable endpoint of advanced capitalism? Does the responsibility for the people left behind belong to the corporations that saved billions by replacing them? Or does it fall to a government that wasn’t designed to handle a world without work?

I’m curious to hear your thoughts. Is the machine finally outrunning the man, or do we still have a “grip” on the wheel?

kwholley63
Author: kwholley63

I spent 40 years in FinTech before retiring to Rio de Janeiro to trade software releases for a front-row seat to the beautiful absurdity of life in Brazil. This blog is my digital porch, a place for unpolished commentary on book reviews, daily gripes, and the random thoughts of a guy who finally has the time to pay attention. I’m an observant realist with a deep appreciation for history, a good quote, and the perspective that only comes after the career ends. I write to stay sharp, to stay honest, and to keep the conversation going. I love my Patriots and Bruins, a life long fan in bad times and good. They have been quite good for a long time now! I love spending time with my wife the best times are just doing nothing; watching tv, talking or just sitting at the beach together for a few hours. Our spot is pier 60 in Clearwater. I love the time I have with my kids when I can, they are all pretty busy. Seinfeld is about the best comedy ever. You will see me frequently comment on the show and why my blog is about nothing.

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About Kevin, I spent 40 years in FinTech before retiring to

Rio de Janeiro to trade software releases for a front-row seat

to the beautiful absurdity of life in Brazil. This blog is my digital

porch, a place for unpolished commentary on book reviews,

daily gripes, and the random thoughts of a guy who finally has

the time to pay attention. I’m an observant realist with a deep

appreciation for history, a good quote, and the perspective that

only comes after the career ends. I write to stay sharp, to stay

honest, and to keep the conversation going.


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