Imagine this: It's 2045, and you're sitting on a sunlit porch, sipping your favorite drink, and reflecting on the life you've built. You're not worried about bills, healthcare costs, or outliving your savings. Instead, you're enjoying the fruits of decades of smart decisions—decisions that were guided not just by human wisdom, but by the power of artificial intelligence (AI). Sounds like a dream, right? Well, it doesn't have to be.