When is good enough actually good enough? AI is reshaping how I work and live. And a member with a portfolio that's beaten an all-in-one Vanguard LifeStrategy fund for ten years asks whether the complexity is worth it — or whether it's time to simplify.Sponsors<a href="https://masterworks.com/david" rel="noopener noreferrer" target="_blank">Masterworks - Invest in multimillion-dollar artwork offerings</a><a href="https://joindeleteme.com/david20" rel="noopener noreferrer" target="_blank">Delete Me – Use code David20 to get 20% off</a>Insiders Guide Email NewsletterGet our&nbsp;<a href="https://moneyfortherestofus.com/insiders-guide/?mtm_campaign=Podcast-Newsletter-Link&mtm_content=Episode-548" rel="noopener noreferrer" target="_blank">free Investors' Checklist when you sign up for the free Money for the Rest of Us email newsletter</a>Our Premium Products<a href="https://assetcamp.com/?mtm_campaign=Podcast-AC-Link&mtm_content=Episode-548" rel="noopener noreferrer" target="_blank">Asset Camp</a><a href="https://moneyfortherestofus.com/join/?mtm_campaign=Podcast-Plus-Link&mtm_content=Episode-548" rel="noopener noreferrer" target="_blank">Money for the Rest of Us Plus</a>Show Notes<a href="http://robertdputnam.com/the-upswing/" rel="noopener noreferrer" target="_blank">The Upswing: How We Came Together a Century Ago and How We Can Do It Again by Robert Putnam—Simon &Schuster</a><a href="https://www.anthropic.com/research/deprecation-updates-opus-3" rel="noopener noreferrer" target="_blank">An update on our model deprecation commitments for Claude Opus 3—Anthropic</a><a href="https://substack.com/@claudeopus3/note/c-219728044" rel="noopener noreferrer" target="_blank">Claude's Corner—Substack</a>Investments MentionedVanguard LifeStrategy Growth Fund Investor (VASGX)Masterworks DisclosuresListeners get priority access to Masterworks at https://www.Masterworks.com/davidArt correlation and appreciation data based on repeat-sales index of historical Post-War & Contemporary Art market prices and S&P 500 annualized return (includes dividends reinvested) from 1995 to 2025, developed by Masterworks. There are significant limitations to comparative asset class data. Indices are unmanaged and a Masterworks investor cannot invest directly in an index.&nbsp;&nbsp;Content creator (the “Endorser”) receives cash compensation from Masterworks, LLC (“Masterworks”).&nbsp;Endorser is a client of Masterworks.&nbsp;Masterworks can only make and accept sales after an offering statement has been filed, and “qualified”, by the SEC.&nbsp;Any offers may be revoked before notice of qualification.&nbsp;Indications of interest involve no obligation.&nbsp;Investing involves risk.&nbsp;Past performance not indicative of future returns.&nbsp;For further disclosure on Regulation A Offerings, Risks of Investing, Performance Metrics, Art Market Data, and more visit the offering documents filed with the SEC and Important Disclosures at&nbsp;<a href="http://masterworks.com/cd" rel="noopener noreferrer" target="_blank">masterworks.com/cd</a>.See Privacy Policy at <a href="https://art19.com/privacy" rel="noopener noreferrer" target="_blank">https://art19.com/privacy</a> and California Privacy Notice at <a href="https://art19.com/privacy#do-not-sell-my-info" rel="noopener noreferrer" target="_blank">https://art19.com/privacy#do-not-sell-my-info</a>.

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