Ryan hosted his first ATC space with Kool as cohost and received plenty of banter from NatNat, Dave, Milo and the crew. The group then moved into a market rundown where Ryan noted a risk-off rotation into bonds and the Dow with TLT ripping higher while gold and silver faced pressure. Milo highlighted large call flow into neocloud names for March and April.
0:01:08Co-host setup and banter
0:06:26Moderna, bank AI-bot headlines
Moni explained banks cannot distinguish between humans and agents once permission is granted while Kool questioned giving agents full access to personal funds calling it irresponsible at this stage. Bread advocated for human-in-the-loop approvals and spend-limited accounts linked to stables via tools like Stripe to reduce chargeback risk. Ryan and others discussed scenarios where limited autonomy could help secure better deals but agreed full access to savings remains risky.
0:14:05Safety, terms of service, liability
0:30:07Meta, New Mexico fine, billionaire tax coverage, share split and dilution
Kkoma asked about voice versus typed prompting and several speakers including Dave, Moni and Ryan shared strong preference for voice mode saying it captures messy thoughts better and saves time. Bread pushed back preferring typed precision for clarity and markdown. The group covered rising scam calls targeting the elderly with Ryan describing his mom's experiences and NatNat recounting an aggressive fake IRS call.
0:48:16AI phone screening, why everyone needs the same AI security tools
Ryan described his wife's insurance workload doubling from 18 to 31 clients per month after using voice with ChatGPT for scheduling. Dave emphasized voice mode logs everything for daily review and saves massive time while the conversation turned to business implications like force multipliers, compensation expectations and flatter organizations. CoinKong shared that his agents already run payroll, file taxes and have full business account access with guardrails and described building a restaurant app to rival Toast plus using AI robotics that let him reduce staff.
1:04:44AI at work, pay, subject-matter experts
AlphaGamer warned the billionaire tax would eventually hit millionaires and workers after people relocate and noted Asian market sell-offs with Bloom Energy punished despite a double beat due to negative cash flow. The crew discussed the ongoing bond rally, rotation into staples and the Dow with Landy and NatNat pointing to earlier TLT calls. The space closed with thanks to Ryan and Milo, a coming calls leaderboard, the Dash award and news that X Money credits appeared in accounts.
1:35:15Flight to safety
“Yeah. No. So on the bank thing, I think, you know, like always, the headlines can be misleading. I wrote about it too because the... They are AI agents, but people are giving permission to the AI agents. The thing is that the the banks aren't able to control what the agents are doing once you give the authorization…”
Moni0:14:19Share on X
“That's really different. Right? So you... So if you if you use the AI agent, so we have to to find a better deal for you, that's fine. But to give access to your personal funds, man, I I don't think we're I don't think we're there yet because, I mean, I... It just it just... To me, doesn't make any sense. You know…”
Kool0:17:04Share on X
“Yes. 100%. Milo, you can jump in here, but I'll tell you right now as somebody who works specifically in the legal industry and sells software to law firms, If you get blown up and you're on the stand under oath, the last question the attorney's gonna ask you, which will will will immediately... Like, you lose is…”
Ryan0:25:25Share on X
“All I'm gonna add is reggie is real. It's what protects your debit and credit cards. And somewhere in there, somebody's gonna test it against these AI agents. And I think that's when your terms of service are gonna start to change, and that's when the banks are gonna bend you over even more. So be your own bank or…”
Milo0:26:28Share on X
“Yes. I mean, like, with with these bots, right, we're already seeing it with teams and companies like Paybox. Right? I think Paybox is a great kind of example of what can be done to where you still give it access. But in order for it to take any actions, it still requires your approval. Right? That human in the loop…”
Bread0:38:50Share on X
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Show discussion, not financial advice.
