Let the AI Agents Organize Your Google Drive
And other forms of debt
I was organizing my files recently. Then I had the thought: we're on track to get digital agents that can automate large parts of our life, including our jobs. Perhaps in the next two years. This means that:
The opportunity cost on your time is incredibly high. You've only got two years to achieve whatever goals you want — to make an impact, accumulate power, make money. As the agents get better and better, any individual human who controls an army of them is going to be able to do more and more, until, of course, you (and the rest of humanity) becomes completely disempowered.
But, unlike for today's rich people, the opportunity cost of your money is also really high. In a post-labor world, money and other assets will determine how well you end up doing.
So, what do you do? You can take on other forms of debt. Only do things that have short-term pay off. Leave things for your future self or, more likely, a future army of AI agents to deal with.
Administrative debt. Consider waiting a few months until organizing your Google Drive — a tool-using Gemini 3 fully integrated into your operating system can almost certainly do it much faster. That's not to say stop doing all administrative shaped tasks. Just the ones that have a long form
Work debt. You should work harder than you otherwise would. If you like YouTube, imagine how good the AI-generated personal media would be. "I can afford to burnout after the singularity."
Learning debt. This perhaps follows naturally from the rapid obsolescence of many skills. Rather than learning photography, video editing, basic coding, or foreign languages that translation AI will soon master.
Financial debt. This is the one I'm most uncertain of. But particularly if you can get fixed interest rates! The stock market will probably go up. But also under these assumptions, you should be careful taking debt to buy assets that will no longer be valuable after AGI — a college degree, a mortage for some houses (city properties probably become a lot less valuable than now, as white-collar workers no longer move to cities). Instead, you might want to consider doing the opposite, remortgaging houses to buy Nvidia? Also, buy now, pay later?
The one exception to this is health/exercise. 1) There are so many short-term benefits to justify this. 2) Being healthy gives you a lot of option value — to survive a catastrophe, to stay alive long enough for the anti-aging medicine.
It's like that common advice — borrow more when you're young. In the grand scheme of the universe to come, we all are.