Leveraging AI to Generate New Wealth Streams (Part 3)

by | Nov 28, 2025 | Craft Wealth

In the first two parts of this series, we learned two things: first, how to change your job skills to work better with AI; and second, how to build a huge financial safety net.

Now, it’s time to move from playing defense to playing offense. The massive changes driven by AI don’t just pose job risks; they also create huge opportunities for anyone ready to act.

This final part shows you how to use AI itself to earn extra money, build new side businesses, and invest your money in the right places for the future.

Step 1: Start Side Businesses with AI as Your Helper

The single best way to stop worrying about losing your job is to have more than one source of income. AI tools have made it much easier and cheaper to start profitable side businesses. You should focus on offering services that blend a uniquely human skill with the speed of AI.

  1. AI-Assisted Content Creation: Use AI tools (like Gemini or others) to quickly create outlines, research facts, or write the first draft of an article or video script. Your job is then to use your own voice, knowledge, and editing skills to make it excellent and human. This is a great way to make money creating blogs, video scripts, or specialized ad copy for businesses.
  2. Prompt Expert for Hire: Many businesses try to use AI but end up with frustrating, useless results. If you become a master of prompt engineering—the skill of writing clear, structured commands to get precisely what you want from AI—you can be paid to teach others. You would train companies and teams to use AI tools like Midjourney (for images) and other AI models to achieve faster, better business results.
  3. Digital Product Creation: AI can generate the components for digital products incredibly quickly. You could create things like personalized printable planners, special educational worksheets, templates, or even the basic artwork for a simple mobile game. AI does the tedious “grunt work” (graphics, basic structure), and you handle the final look and the business side (marketing and selling it).

Step 2: Smart Ways to Invest in the AI Economy

If you see a technological shift coming, you should invest in it! Even if AI causes problems in your current job, you can use the profits from the successful companies driving the change to build your personal wealth.

  • The Foundation Companies: AI requires significant computing power to operate. Look for and invest in the companies that build the core technology: the microchips, the cloud computing services, and the massive data centers where AI lives. These are the companies selling the “shovels” in the digital gold rush.
  • The Software Integrators: Focus on software companies successfully integrating AI into their existing products (e.g., programs for organizing work, healthcare, or finance). These are the platforms that will replace older, slower ways of doing things.
  • Use Robo-Advisors: As we discussed in Part 2, robo-advisors are online tools that use AI to manage your investments automatically. They make professional-level investing easy and affordable. You can actually use AI to help you invest in the companies that power AI!

The most important rule in investing is diversification. Don’t put all your savings into one specific tech company. Use broad, low-cost index funds that cover the entire technology sector and the broader stock market alongside any particular investments you choose.

Step 3: Always Check Your Career Value

The future of work means you must treat your career like a small business—constantly adjusting and proving your worth.

  • Check Your Skills Quarterly: Every three months, ask yourself this: What are the two most essential and profitable skills in my field right now, and how good am I at using AI with them? If you realize your current skills are becoming too easy for AI to replicate (this is called commoditization), you must immediately shift your learning budget (from Part 2) to pick up new skills.
  • Focus on Human Value: Always try to move away from repetitive tasks in your job (like data entry) and toward tasks that require strategy, connecting with people (emotion), and making difficult, complex decisions. These are the areas where human input will always be needed and highly valued.
  • The Value of Scarcity: Your salary is related to how unique your skills are (scarcity). If AI makes your current skills common, your pay will drop. The way to increase your value again is to combine unique human skills (empathy, ethics, creative thinking) with expert knowledge of AI tools.

By preparing your finances, adding new income streams, and investing wisely in the AI economy, you turn the scary threat of AI disruption into the most excellent chance to build wealth and freedom in your lifetime. The people who adapt now are the ones who will succeed in the future.

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Larry Marvin

LifeCrafter Money $ense

Sources

Tough Times: 7 Steps to Build Your Financial Resilience. https://elizabethssite.com/preparing-for-tough-times-7-steps-to-build-your-financial-resilience/  

Columbia Threadneedle Investments launches Columbia Seligman Semiconductor and Technology ETF – ETF Express. https://etfexpress.com/2022/03/30/columbia-threadneedle-investments-launches-columbia-seligman-semiconductor-and/

LifeCrafter.org. (2025). Gemini. https://gemini.google.com/app/f84041c46c538967

Larry Marvin
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