This episode is about three stories that will change the way you invest, spend, and earn your money in 2024. They aren't predictions, but trends that are already happening and will likely continue. We start by reviewing what happened in 2023 and how it changed our perspective on money. Then we go into the first story, which is how the stock market was dominated by the Magnificent Seven tech stocks, thanks to their innovation and scale. The second story is about how fintech and buy now, pay later options have transformed the way we spend money. The third story is about how AI, artificial intelligence, will affect the future of work.  Links: Join our mailing list to get Brain Candy directly in your inbox  Takeaways: - The Magnificent Seven tech stocks drove the stock market performance in 2023, showing the power of AI and technology. - Fintech and buy now, pay later options changed our consumer spending habits, leading to new ways of borrowing and lending that are more convenient and flexible, but also more risky and addictive - AI will have a major impact on the future of work, with potential job disruptions and changes in hiring and evaluation processes. - AI will impact the job market, affecting the types and hiring processes of jobs. - Refining our online presence, such as having a complete LinkedIn profile, is important  - Building AI literacy is essential for staying competitive in the job market. - Using AI in your current jobs can increase our productivity and value. - Using AI in job searches can automate application processes and save time. - It is important to use AI with moderation and add a human touch to maintain our authenticity. Connect with Julien and Kiersten on our website, Instagram, Twitter, and YouTube. Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out: Win the Wealth Game by Walking Away, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by Forbes If you would like to learn more about investing, check out our newest class, Making Money Grow