Blog — Richard Golian

Four days in Catalonia. No computer, no AI, almost no social media. I bought this notebook so that I could write down what I would think about, and what I would come across and learn on the trip.

Prague, 13 May 2026. On my way to work I started thinking about something that stayed with me for days. If most routine work on a computer disappears in the next ten years, and a large share of repetitive manual work disappears with it, what happens to the flow of money? Who pays whom for what? Which economic layers will exist, how large will they be, and what relationships will run between them? This is the six-layer map I sketched as an answer.

I am building an AI system to predict the S&P 500. It runs on my own machine, uses free public data — yfinance, FRED, the Shiller dataset — and grades every forecast against reality. This series documents the build itself: the decisions, the methodology, the mistakes. What I will eventually share from the running system is a separate question, and an honest one.

Yesterday I could not tear myself away from the computer. When I lifted my head, it was half past eight in the evening. I had been sitting alone upstairs for about three hours.

Will AI take my job? A certified Google trainer told me in June 2024 that my profession would cease to exist. Twenty-two months later, my job title has not changed — but ninety percent of what I do during the day is different. I have delegated more of my thinking to AI agents than I thought possible. I am not afraid. This is why, and what it means for anyone asking the same question.

One hour. Fifty-five minutes. That is how long it took to build what a Czech software firm had quoted at over €50,000. I built it with Claude Code. Not a prototype. Not a proof of concept. A working tool — the one the company actually needed. By the evening of the same day, it was running on staging. This is not about Claude Code. It is about what Claude Code exposes.

I have conducted roughly one hundred and fifty practical interviews over the past four years. Fifty for data specialist roles. A hundred for advertising and performance marketing specialists. Almost every one of them involved sitting down with a candidate over a practical task — something close to a real problem we actually need to solve at the company. Not theory. Not trivia. Applied problem-solving. Over time, I started noticing a pattern.

Before you can teach AI to understand anything, you need to see what it is hiding from you.

The moment other people needed access to it, the problem changed completely. It was no longer about whether the agent could learn. It was about who gets to teach it.

I wanted to build an agent that doesn't just assist. One that acts.

This is what I learned about local vs cloud AI, and why I switched to Claude Code.

What happened — and how can it be reversed?

It happens every day. It is happening right now.

It is home to all the large Carpathian predators.

The feeling I have not had since childhood.

If I take a certain risk, how much can I gain — and how much can I lose?

Manipulation without the feeling of being manipulated is the most effective kind.

Interesting opportunities often appear where nothing seems to be happening.

A few places close to my heart.

Big players like the US and China treat us as second-class partners. It is hard to watch.

These two steps are, right now, shaping my life and the direction I am heading in.

My body was not broken. Quite the opposite – it was smarter than me.

It’s a strange feeling. I haven’t fully processed it yet.

We are heading toward a future where many things simply lose their value.

In every conflict, Slovaks are winners. Why? Because they are always on both sides.

Are the debates that today appear in political struggles and divide Europe more important than this?

How can we expect to come to terms with history or learn from it if we do that?

The more I talk with friends and acquaintances about AI, the more I notice something alarming.

When someone loses their job, their sense of security collapses—so they sell their stocks.

This exchange struck a chord with me—enough that I am writing this post.

I often get asked what I am doing with my finances this year.