Personal Finance for Students? Teachers Could Use It, Too — from edweek.org by Elizabeth Heubeck

More states are mandating personal finance courses for high schoolers, but what if their teachers aren’t confident managing money themselves?

But as momentum grows around students’ financial education, a key issue is often overlooked: Many teachers don’t feel confident in their own financial knowledge.

It’s not a problem unique to teachers. Experts report that many U.S. adults lack financial literacy, which, until very recently, was rarely required as a high school graduation requirement. Few teachers study it in college, despite recent surveys of K-12 educators indicating a strong interest in the subject. And once in the classroom, teachers rarely take time to learn subjects that would benefit their own lives, like personal finance, says Yanely Espinal, a financial educator and former classroom teacher.

It’s very rare that you see a teacher pause and consider their own needs, asking themselves things like, ‘How can I set myself up financially? Am I on track?,’”


From DSC:
If you are working in K-12 or in higher education, don’t rely on the contributions that your organization makes to your 403(b) or your 401k plans (the type of plan depends upon your organization’s for-profit or non-profit/tax-exempt status). You should be investing wisely. Those 6-10% contributions won’t cut it these days, even after working 30+ years at a place that contributes that kind of funds to your retirement accounts. You need to invest aggressively if you are going to retire at age 65 (or even younger).

I worked in the corporate world for half of my career and I’m glad that I did. It helped me understand more about personal finance and investing. It helped me get started building a nest egg. But it was really aggressive investments in a couple of key companies that helped me the most. I’m not here to specify which companies to invest in. I’m just saying that if you are relying on 6%-10% contributions to meet your retirement-related needs, you may end up with far less than you’ll need to retire.

I’m glad that they are teaching personal finance these days in K-12. I hope they add some basic legal knowledge to the curricula as well.


 

 

2025: The Year the Frontier Firm Is Born — from Microsoft

We are entering a new reality—one in which AI can reason and solve problems in remarkable ways. This intelligence on tap will rewrite the rules of business and transform knowledge work as we know it. Organizations today must navigate the challenge of preparing for an AI-enhanced future, where AI agents will gain increasing levels of capability over time that humans will need to harness as they redesign their business. Human ambition, creativity, and ingenuity will continue to create new economic value and opportunity as we redefine work and workflows.

As a result, a new organizational blueprint is emerging, one that blends machine intelligence with human judgment, building systems that are AI-operated but human-led. Like the Industrial Revolution and the internet era, this transformation will take decades to reach its full promise and involve broad technological, societal, and economic change.

To help leaders understand how knowledge work will evolve, Microsoft analyzed survey data from 31,000 workers across 31 countries, LinkedIn labor market trends, and trillions of Microsoft 365 productivity signals. We also spoke with AI-native startups, academics, economists, scientists, and thought leaders to explore what work could become. The data and insights point to the emergence of an entirely new organization, a Frontier Firm that looks markedly different from those we know today. Structured around on-demand intelligence and powered by “hybrid” teams of humans + agents, these companies scale rapidly, operate with agility, and generate value faster.

Frontier Firms are already taking shape, and within the next 2–5 years we expect that every organization will be on their journey to becoming one. 82% of leaders say this is a pivotal year to rethink key aspects of strategy and operations, and 81% say they expect agents to be moderately or extensively integrated into their company’s AI strategy in the next 12–18 months. Adoption is accelerating: 24% of leaders say their companies have already deployed AI organization-wide, while just 12% remain in pilot mode.

The time to act is now. The question for every leader and employee is: how will you adapt?


On a somewhat related note, also see:

Exclusive: Anthropic warns fully AI employees are a year away — from axios.com by Sam Sabin

Anthropic expects AI-powered virtual employees to begin roaming corporate networks in the next year, the company’s top security leader told Axios in an interview this week.

Why it matters: Managing those AI identities will require companies to reassess their cybersecurity strategies or risk exposing their networks to major security breaches.

The big picture: Virtual employees could be the next AI innovation hotbed, Jason Clinton, the company’s chief information security officer, told Axios.

 

Another ‘shock’ is coming for American jobs — from washingtonpost.com by Heather Long. DSC: This is a gifted article
Millions of workers will need to shift careers. Our country is unprepared.

The United States is on the cusp of a massive economic shift due to AI, and it’s likely to cause greater change than anything President Donald Trump does in his second term. Much good can come from AI, but the country is unprepared to grapple with the need for millions — or perhaps tens of millions — of workers to shift jobs and entire careers.

“There’s a massive risk that entry-level, white-collar work could get automated. What does that do to career ladders?” asked Molly Kinder, a fellow at the Brookings Institution. Her research has found the jobs of marketing analysts are five times as likely to be replaced as those of marketing managers, and sales representative jobs are three times as likely to be replaced as those of sales managers.

Young people working in these jobs will need to be retrained, but it will be hard for them to invest in new career paths. Consider that many college graduates already carry a lot of debt (an average of about $30,000 for those who took student loans).What’s more, the U.S. unemployment insurance system covers only about 57 percent of unemployed workers and replaces only a modest amount of someone’s pay.

From DSC:
This is another reason why I think this vision here is at least a part of our future. We need shorter, less expensive credentials.

  • People don’t have the time to get degrees that take 2+ years to complete (after they have already gone through college once).
  • They don’t want to come out with more debt on their backs.
  • With inflation going back up, they won’t have as much money anyway.
  • Also, they may already have enough debt on their backs.
 

Reflections on “Are You Ready for the AI University? Everything is about to change.” [Latham]

.
Are You Ready for the AI University? Everything is about to change. — from chronicle.com by Scott Latham

Over the course of the next 10 years, AI-powered institutions will rise in the rankings. US News & World Report will factor a college’s AI capabilities into its calculations. Accrediting agencies will assess the degree of AI integration into pedagogy, research, and student life. Corporations will want to partner with universities that have demonstrated AI prowess. In short, we will see the emergence of the AI haves and have-nots.

What’s happening in higher education today has a name: creative destruction. The economist Joseph Schumpeter coined the term in 1942 to describe how innovation can transform industries. That typically happens when an industry has both a dysfunctional cost structure and a declining value proposition. Both are true of higher education.

Out of the gate, professors will work with technologists to get AI up to speed on specific disciplines and pedagogy. For example, AI could be “fed” course material on Greek history or finance and then, guided by human professors as they sort through the material, help AI understand the structure of the discipline, and then develop lectures, videos, supporting documentation, and assessments.

In the near future, if a student misses class, they will be able watch a recording that an AI bot captured. Or the AI bot will find a similar lecture from another professor at another accredited university. If you need tutoring, an AI bot will be ready to help any time, day or night. Similarly, if you are going on a trip and wish to take an exam on the plane, a student will be able to log on and complete the AI-designed and administered exam. Students will no longer be bound by a rigid class schedule. Instead, they will set the schedule that works for them.

Early and mid-career professors who hope to survive will need to adapt and learn how to work with AI. They will need to immerse themselves in research on AI and pedagogy and understand its effect on the classroom. 

From DSC:
I had a very difficult time deciding which excerpts to include. There were so many more excerpts for us to think about with this solid article. While I don’t agree with several things in it, EVERY professor, president, dean, and administrator working within higher education today needs to read this article and seriously consider what Scott Latham is saying.

Change is already here, but according to Scott, we haven’t seen anything yet. I agree with him and, as a futurist, one has to consider the potential scenarios that Scott lays out for AI’s creative destruction of what higher education may look like. Scott asserts that some significant and upcoming impacts will be experienced by faculty members, doctoral students, and graduate/teaching assistants (and Teaching & Learning Centers and IT Departments, I would add). But he doesn’t stop there. He brings in presidents, deans, and other members of the leadership teams out there.

There are a few places where Scott and I differ.

  • The foremost one is the importance of the human element — i.e., the human faculty member and students’ learning preferences. I think many (most?) students and lifelong learners will want to learn from a human being. IBM abandoned their 5-year, $100M ed push last year and one of the key conclusions was that people want to learn from — and with — other people:

To be sure, AI can do sophisticated things such as generating quizzes from a class reading and editing student writing. But the idea that a machine or a chatbot can actually teach as a human can, he said, represents “a profound misunderstanding of what AI is actually capable of.” 

Nitta, who still holds deep respect for the Watson lab, admits, “We missed something important. At the heart of education, at the heart of any learning, is engagement. And that’s kind of the Holy Grail.”

— Satya Nitta, a longtime computer researcher at
IBM’s Watson
Research Center in Yorktown Heights, NY
.

By the way, it isn’t easy for me to write this. As I wanted AI and other related technologies to be able to do just what IBM was hoping that it would be able to do.

  • Also, I would use the term learning preferences where Scott uses the term learning styles.

Scott also mentions:

“In addition, faculty members will need to become technologists as much as scholars. They will need to train AI in how to help them build lectures, assessments, and fine-tune their classroom materials. Further training will be needed when AI first delivers a course.”

It has been my experience from working with faculty members for over 20 years that not all faculty members want to become technologists. They may not have the time, interest, and/or aptitude to become one (and vice versa for technologists who likely won’t become faculty members).

That all said, Scott relays many things that I have reflected upon and relayed for years now via this Learning Ecosystems blog and also via The Learning from the Living [AI-Based Class] Room vision — the use of AI to offer personalized and job-relevant learning, the rising costs of higher education, the development of new learning-related offerings and credentials at far less expensive prices, the need to provide new business models and emerging technologies that are devoted more to lifelong learning, plus several other things.

So this article is definitely worth your time to read, especially if you are working in higher education or are considering a career therein!


Addendum later on 4/10/25:

U-M’s Ross School of Business, Google Public Sector launch virtual teaching assistant pilot program — from news.umich.edu by Jeff Karoub; via Paul Fain

Google Public Sector and the University of Michigan’s Ross School of Business have launched an advanced Virtual Teaching Assistant pilot program aimed at improving personalized learning and enlightening educators on artificial intelligence in the classroom.

The AI technology, aided by Google’s Gemini chatbot, provides students with all-hours access to support and self-directed learning. The Virtual TA represents the next generation of educational chatbots, serving as a sophisticated AI learning assistant that instructors can use to modify their specific lessons and teaching styles.

The Virtual TA facilitates self-paced learning for students, provides on-demand explanations of complex course concepts, guides them through problem-solving, and acts as a practice partner. It’s designed to foster critical thinking by never giving away answers, ensuring students actively work toward solutions.

 

Job hunting and hiring in the age of AI: Where did all the humans go? — from washingtonpost.com by Taylor Telford
The proliferation of artificial intelligence tools and overreliance on software such as ChatGPT is making the job market increasingly surreal.

The speedy embrace of AI tools meant to make job hunting and hiring more efficient is causing headaches and sowing distrust in these processes, people on both sides of the equation say. While companies embrace AI recruiters and application scanning systems, many job seekers are trying to boost their odds with software that generates application materials, optimizes them for AI and applies to hundreds of jobs in minutes.

Meanwhile, recruiters and hiring managers are fielding more applicants than they can keep up with, yet contend that finding real, qualified workers amid the bots, cheaters and deepfakes is only getting tougher as candidates use AI to write their cover letters, bluff their way through interviews and even hide their identities.

“I’m pro-AI in the sense that it allows you to do things that were impossible before … but it is being misused wildly,” Freire said. The problem is “when you let it do the thinking for you, it goes from a superpower to a crutch very easily.”

 

It’s the end of work as we knew it
and I feel…

powerless to fight the technology that we pioneered
nostalgic for a world that moved on without us
after decades of paying our dues
for a payday that never came
…so yeah
not exactly fine.


The Gen X Career Meltdown — from nytimes.com by Steeven Kurutz (DSC: This is a gifted article for you)
Just when they should be at their peak, experienced workers in creative fields find that their skills are all but obsolete.

If you entered media or image-making in the ’90s — magazine publishing, newspaper journalism, photography, graphic design, advertising, music, film, TV — there’s a good chance that you are now doing something else for work. That’s because those industries have shrunk or transformed themselves radically, shutting out those whose skills were once in high demand.

“I am having conversations every day with people whose careers are sort of over,” said Chris Wilcha, a 53-year-old film and TV director in Los Angeles.

Talk with people in their late 40s and 50s who once imagined they would be able to achieve great heights — or at least a solid career while flexing their creative muscles — and you are likely to hear about the photographer whose work dried up, the designer who can’t get hired or the magazine journalist who isn’t doing much of anything.

In the wake of the influencers comes another threat, artificial intelligence, which seems likely to replace many of the remaining Gen X copywriters, photographers and designers. By 2030, ad agencies in the United States will lose 32,000 jobs, or 7.5 percent of the industry’s work force, to the technology, according to the research firm Forrester.


From DSC:
This article reminds me of how tough it is to navigate change in our lives. For me, it was often due to the fact that I was working with technologies. Being a technologist can be difficult, especially as one gets older and faces age discrimination in a variety of industries. You need to pick the right technologies and the directions that will last (for me it was email, videoconferencing, the Internet, online-based education/training, discovering/implementing instructional technologies, and becoming a futurist).

For you younger folks out there — especially students within K-16 — aim to develop a perspective and a skillset that is all about adapting to change. You will likely need to reinvent yourself and/or pick up new skills over your working years. You are most assuredly required to be a lifelong learner now. That’s why I have been pushing for school systems to be more concerned with providing more choice and control to students — so that students actually like school and enjoy learning about new things.


 

 

8 Weeks Left to Prepare Students for the AI-Enhanced Workplace — from insidehighered.com by Ray Schroeder
We are down to the final weeks left to fully prepare students for entry into the AI-enhanced workplace. Are your students ready?

The urgent task facing those of us who teach and advise students, whether they be degree program or certificate seeking, is to ensure that they are prepared to enter (or re-enter) the workplace with skills and knowledge that are relevant to 2025 and beyond. One of the first skills to cultivate is an understanding of what kinds of services this emerging technology can provide to enhance the worker’s productivity and value to the institution or corporation.

Given that short period of time, coupled with the need to cover the scheduled information in the syllabus, I recommend that we consider merging AI use into authentic assignments and assessments, supplementary modules, and other resources to prepare for AI.


Learning Design in the Era of Agentic AI — from drphilippahardman.substack.com by Dr Philippa Hardman
Aka, how to design online async learning experiences that learners can’t afford to delegate to AI agents

The point I put forward was that the problem is not AI’s ability to complete online async courses, but that online async courses courses deliver so little value to our learners that they delegate their completion to AI.

The harsh reality is that this is not an AI problem — it is a learning design problem.

However, this realisation presents us with an opportunity which we overall seem keen to embrace. Rather than seeking out ways to block AI agents, we seem largely to agree that we should use this as a moment to reimagine online async learning itself.



8 Schools Innovating With Google AI — Here’s What They’re Doing — from forbes.com by Dan Fitzpatrick

While fears of AI replacing educators swirl in the public consciousness, a cohort of pioneering institutions is demonstrating a far more nuanced reality. These eight universities and schools aren’t just experimenting with AI, they’re fundamentally reshaping their educational ecosystems. From personalized learning in K-12 to advanced research in higher education, these institutions are leveraging Google’s AI to empower students, enhance teaching, and streamline operations.


Essential AI tools for better work — from wondertools.substack.com by Jeremy Caplan
My favorite tactics for making the most of AI — a podcast conversation

AI tools I consistently rely on (areas covered mentioned below)

  • Research and analysis
  • Communication efficiency
  • Multimedia creation

AI tactics that work surprisingly well 

1. Reverse interviews
Instead of just querying AI, have it interview you. Get the AI to interview you, rather than interviewing it. Give it a little context and what you’re focusing on and what you’re interested in, and then you ask it to interview you to elicit your own insights.”

This approach helps extract knowledge from yourself, not just from the AI. Sometimes we need that guide to pull ideas out of ourselves.

 

Who does need college anymore? About that book title … — from Education Design Lab

As you may know, Lab founder Kathleen deLaski just published a book with a provocative title: Who Needs College Anymore? Imagining a Future Where Degrees Won’t Matter.

Kathleen is asked about the title in every media interview, before and since the Feb. 25 book release. “It has generated a lot of questions,” she said in our recent book chat. “I tell people to focus on the word, ‘who.’ Who needs college anymore? That’s in keeping with the design thinking frame, where you look at the needs of individuals and what needs are not being met.”

In the same conversation, Kathleen reminded us that only 38% of American adults have a four-year degree. “We never talk about the path to the American dream for the rest of folks,” she said. “We currently are not supporting the other really interesting pathways to financial sustainability — apprenticeships, short-term credentials. And that’s really why I wrote the book, to push the conversation around the 62% of who we call New Majority Learners at the Lab, the people for whom college was not designed.” Watch the full clip

She distills the point into one sentence in this SmartBrief essay:  “The new paradigm is a ‘yes and’ paradigm that embraces college and/or other pathways instead of college or bust.”

What can colleges do moving forward?
In this excellent Q&A with Inside Higher Ed, Kathleen shares her No. 1 suggestion: “College needs to be designed as a stepladder approach, where people can come in and out of it as they need, and at the very least, they can build earnings power along the way to help afford a degree program.”

In her Hechinger Report essay, Kathleen lists four more steps colleges can take to meet the demand for more choices, including “affordability must rule.”

From white-collar apprenticeships and micro-credential programs at local community colleges to online bootcamps, self-instruction using YouTube, and more—students are forging alternative paths to GREAT high-paying jobs. (source)

 

Are Entry-Level Jobs Going Away? The Hidden Workforce Shift — from forbes.com by Dr. Diane Hamilton; via Ryan Craig

The problem is that these new roles demand a level of expertise that wasn’t expected from entry-level candidates in the past. Where someone might have previously learned on the job, they are now required to have relevant certifications, AI proficiency, or experience with digital platforms before they even apply.

Some current and emerging job titles that serve as entry points into industries include:

  • Digital marketing associate – This role often involves content creation, social media management, and working with AI-driven analytics tools.
  • Junior AI analyst – Employees in this role assist data science teams by labeling and refining machine learning datasets.
  • Customer success associate – Replacing traditional customer service roles, these professionals help manage AI-enhanced customer support systems.
  • Technical support specialist – While this role still involves troubleshooting software, it now often includes AI-driven diagnostics and automation oversight.
 

Blind Spot on AI — from the-job.beehiiv.com by Paul Fain
Office tasks are being automated now, but nobody has answers on how education and worker upskilling should change.

Students and workers will need help adjusting to a labor market that appears to be on the verge of a historic disruption as many business processes are automated. Yet job projections and policy ideas are sorely lacking.

The benefits of agentic AI are already clear for a wide range of organizations, including small nonprofits like CareerVillage. But the ability to automate a broad range of business processes means that education programs and skills training for knowledge workers will need to change. And as Chung writes in a must-read essay, we have a blind spot with predicting the impacts of agentic AI on the labor market.

“Without robust projections,” he writes, “policymakers, businesses, and educators won’t be able to come to terms with how rapidly we need to start this upskilling.”

 

2025 Survey of College and University Presidents
Learn about presidents’ takes on topics such as financial confidence, the 2024 election’s impact on higher ed & more.

Inside Higher Ed’s 2025 Survey of College and University Presidents was conducted by Hanover Research. The survey asked presidents from 298 public and private, largely nonprofit two- and four-year institutions timely questions on the following issues:

  • General financial and economic confidence, plus mergers and acquisitions
  • Politics, policy and the 2024 election’s impact on higher education
  • Public perceptions of higher ed and the value of a degree
  • Campus speech
  • Race on campus
  • Artificial intelligence
  • Environmental sustainability goals
  • Campus health and wellness, including student mental health
  • Management, governance and the hardest part about being a president
 

Degree in hand, jobs out of reach: Why recent grads are struggling in a competitive market — from cnn.com by Nayeli Jaramillo-Plata; via Ryan Craig

Bellebuono’s story isn’t unique. A recent study from the Federal Reserve Bank of New York reported the widest unemployment gap between new graduates and experienced degree holders since the 1990s.

The struggle to find work
The unemployment gap is partly due to the increase in competition and changing employer expectations, said David Deming, professor of public policy at the Harvard Kennedy School.

Skill requirements for entry-level roles are higher today than a decade ago, he said. But the change has been gradual from year to year.

 
 

The Rise of the Heretical Leader — from ditchthattextbook.com; a guest post by Dan Fitzpatrick

Now is the time for visionary leadership in education. The era of artificial intelligence is reshaping the demands on education systems. Rigid policies, outdated curricula, and reliance on obsolete metrics are failing students. A recent survey from Resume Genius found that graduates lack skills in communication, collaboration, and critical thinking. Consequently, there is a growing trend in companies hiring candidates based on skills instead of traditional education or work experience. This underscores the urgent need for educational leaders to prioritize adaptability and innovation in their systems. Educational leaders must embrace a transformative approach to keep pace.

[Heretical leaders] bring courage, empathy, and strategic thinking to reimagine education’s potential. Here are their defining characteristics:

  • Visionary Thinking: They identify bold, innovative paths to progress.
  • Courage to Act: These leaders take calculated risks to overcome resistance and inertia.
  • Relentless Curiosity: They challenge assumptions and seek better alternatives.
  • Empathy for Stakeholders: Understanding the personal impact of change allows them to lead with compassion.
  • Strategic Disruption: Their deliberate actions ensure systemic improvements.
    These qualities enable Heretical leaders to reframe challenges as opportunities and drive meaningful change.

From DSC:
Readers of this blog will recognize that I believe visionary leadership is extremely important — in all areas of our society, but especially within our learning ecosystems. Vision trumps data, at least in my mind. There are times when data can be used to support a vision, but having a powerful vision is more lasting and impactful than relying on data to drive the organization.

So while I’d vote for a different term other than “heretical leaders,” I get what Dan is saying and I agree with him. Such leaders are going against the grain. They are swimming upstream. They are espousing perspectives that others often don’t buy into (at least initially or for some time). 

Such were the leaders who introduced online learning into the K-16 educational systems back in the late ’90s and into the next two+ decades. The growth of online-based learning continues and has helped educate millions of people. Those leaders and the people who worked for such endeavors were going against the grain.

We haven’t seen the end point of online-based learning. I think it will become even more powerful and impactful when AI is used to determine which jobs are opening up, and which skills are needed for those jobs, and then provide a listing of sources of where one can obtain that knowledge and develop those skills. People will be key in this vision. But so will AI and personalized learning. It will be a collaborative effort.

By the way, I am NOT advocating for using AI to outsource our thinking. Also, having basic facts and background knowledge in a domain is critically important, especially to use AI effectively. But we should be teaching students about AI (as we learn more about it ourselves). We should be working collaboratively with our students to understand how best to use AI. It’s their futures at stake.


 
 
© 2025 | Daniel Christian