No one knows exactly when AGI will arrive. A resilient household does not need one correct prediction. It needs a plan that works across several plausible timelines.
AI may create enormous productivity gains, but technology alone will not determine how those gains are distributed. Governments will have to decide how income security, public services, taxation, employment, and ownership adapt.
AI changes information first. Robotics changes the physical world. Understanding the difference explains why economic disruption may unfold in stages rather than all at once.
