- 10 hours ago
In this video, I break down why the traditional career is falling apart and what you need to do differently to protect your income before 2026.
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This content is for educational and entertainment purposes only. does not provide tax or investment advice. The information is being presented without consideration of the investment objectives, risk tolerance, or financial circumstances of any specific investor and might not be suitable for all investors. Past performance is not indicative of future results. All investing involves risk, including the possible loss of principal.
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DISCLAIMERS & DISCLOSURES
This content is for educational and entertainment purposes only. does not provide tax or investment advice. The information is being presented without consideration of the investment objectives, risk tolerance, or financial circumstances of any specific investor and might not be suitable for all investors. Past performance is not indicative of future results. All investing involves risk, including the possible loss of principal.
Thank you for your support!
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LearningTranscript
00:00We've all been told the same story. Go to uni, get a good job, work hard, retire at 65. But here's
00:06the problem. Things don't really work like that anymore because by the end of next year, the
00:10traditional career as we know it might not exist anymore. If you're new here, hi, I'm Nisha. I'm a
00:16former banker and I spent a decade in the corporate world and then made a transition. Over the last
00:21few years, I've transformed my career so I can make money and sleep well at night no matter what
00:26happens. And in this video, I'm going to explain why 2026 could mark the end of jobs as we know
00:33them. I'll also reveal the forces causing the biggest workplace shakeup since the industrial
00:39revolution. And third, I'll explain exactly how to future-proof your income before it's
00:43too late. Let's dive in. You might have heard if you work hard, take risks, follow your dreams,
00:48anything is possible. In the US, this used to be called the American dream. The idea that if you
00:53work hard enough, you can achieve success and build a good life. But that's all starting to
00:58change. 70% of Americans now say that the American dream doesn't hold true anymore. Just 25% believe
01:05that they have a real shot at improving their standard of living. And more than three quarters
01:09don't think life will be better for the next generation. So what's happened? Well, if you look
01:15out what is going on right now in the US, employers cut more than 150,000 jobs in just one month in
01:24October alone. In the UK, mass redundancies have jumped by 5% in the last year. And globally,
01:31the World Economic Forum says around 83 million jobs could be displaced by 2027. At the same time,
01:39wages aren't keeping up with inflation in many places. So most people are turning to short-term
01:44contracts to freelancing or juggling multiple income streams just to get by. The traditional
01:49job that was supposed to give us stability, that was supposed to give us predictability,
01:53it's not delivering on that promise anymore. So what is really causing all of this? The world of work
02:01isn't just changing because companies are cutting costs or the economy is unstable. It's been like that
02:08for years. Now, it's also changing partly because a completely new kind of worker has entered the job
02:14market. One that doesn't get tired, one that doesn't take holidays, one that can outperform
02:19humans at unbelievable speed. AI and automation are rewriting the rules and looking for a job in
02:252026 means you're not just competing with other applicants, you're competing with AI systems that
02:32can write reports in seconds, that can work 24-7 without burnout and can do it all without a salary
02:39or a pension. Major investment firms are using AI to employ fewer people. Some companies have shrunk
02:45their headcount significantly due to AI investments and many CEOs say AI is already doing a large share
02:52of the workload. A few years ago, most people assumed that factory and supermarket workers would
02:58be the first to be replaced. But actually, thousands of white-collar workers have lost their jobs to AI
03:05and even the people I'm speaking to who have big teams are saying they're employing people who are good
03:10at AI to see how efficiently they can run their company with AI instead of with people. In fact, the World
03:17Economic Forum predicts that two-fifths of the skills workers currently rely on today will be disrupted in
03:23the next three years. And on the surface, this sounds pretty terrifying. But here's the thing, we've actually
03:30been here before. In the late 16th century, Queen Elizabeth I refused to approve an automated knitting
03:36machine because she feared that it would drive young women into starvation. To quote, I have too much
03:41regard for the poor women and unprotected young maidens who obtained their daily bread by knitting
03:46to forward an invention which, by depriving them of employment, would reduce them to starvation. But factories
03:53used the machine anyway and by the end of the 19th century, there were four times as many factory
03:58weavers as there was in 1830. The machines didn't destroy jobs, they actually created more of them.
04:04And even if you look at agriculture, in the early 19th century, more than two-thirds of workers
04:09farmed for a living. By 1920, only one in four did. But people didn't starve, they shifted into new roles
04:16as the economy evolved. And if you think about it, what I'm doing even right now, speaking on a YouTube
04:21channel about personal finance, about careers, about self-development, this didn't exist 20 years ago.
04:27Yet today, YouTube creators contribute billions to the economy and support tens of thousands of jobs.
04:3420 years ago, that wasn't even possible. It wasn't even a thing. So yes, millions of jobs will be
04:40displaced, but new ones will emerge too. 69 million of them, according to the World Economic Forum. We
04:46just don't know what those jobs will be yet. That said, even with all of this uncertainty, it's easy to
04:52feel powerless. But should we just wait around and see what happens and see how things unfold?
04:57Probably not. We should probably take matters into our own hand. And this is where the rise of the
05:02portfolio career comes in. If you've ever applied for a mortgage, you know how ridiculous the system
05:07can be. Mortgage lenders love seeing one full-time salary job, even if the job pays badly or the
05:14industry is declining. As long as it looks stable on paper, you're good. But if you're self-employed,
05:18if you're earning from a mix of sources, suddenly you're considered more risky. You need more
05:24paperwork, you need more proof, you need more years of accounts, even though having multiple
05:29income streams is actually safer than relying on one boss who could let you go tomorrow. So it's no
05:35surprise that more people are rethinking what a career should look like. They're combining part-time
05:41roles, freelance gigs, side hustles, investment income, all of that rather than putting all their
05:46financial security in one basket. And I say this, but this isn't entirely new. In the UK, for example,
05:52self-employment has risen dramatically since the 1970s. Back in 1975, 1 in 12 workers were self-employed.
05:59By 2019, this had increased to 1 in 7 workers. Self-employment went down again in the first year
06:04of the pandemic, but the numbers are increasing again. Interestingly, for many people, this shift
06:10isn't just about money. Studies show that self-employed people often report higher job
06:15satisfaction. Solo self-employed workers, i.e. without any employees, are more likely to say
06:22they're happy and find their lives meaningful. And overall life satisfaction is only slightly higher
06:27for traditional employees. Now, if you already have a job, I'm definitely not telling you to quit.
06:32Employment does come with really valuable benefits like healthcare, pensions, sick pay,
06:36paid holidays, parental leave, severance packages. But with a few small tweaks, you can keep those
06:43perks and build a career that's more resilient to change. For example, if you have a well-paid job
06:48in finance or in law and you don't want to leave it, you could take on freelance work in your spare
06:53time. It might be related to your main job, like an accountant doing weekend bookkeeping or even
06:58something entirely different, like a fashion worker becoming a part-time fitness trainer. I know this
07:04is easier said than done. There's only 24 hours in a day and none of us have an unlimited amount of
07:09energy. But maybe you can make some changes so it's easier to follow your passions on the side.
07:14Things like working remotely or switching to a less demanding but equally secure position. I go into
07:20this in more detail and a few options in this video here, how to become a millionaire on your 95
07:25salary. Skip to the third and fourth part. Not only can a portfolio career offer more security,
07:30it can be more flexible too. With an ability to make money from multiple interests,
07:36you may also find that you're less likely to get bored. Another way to future-proof your career is
07:41to invest in skills, not job titles. Job titles, they disappear. Departments get cut, entire industries
07:47shift. But skills, they stay with you. So instead of thinking, I'm a marketing manager or I'm a financial
07:53analyst, think about what you can actually do, i.e. you can communicate clearly, you can manage projects,
08:00you can understand data, you can solve problems creatively, you can sell ideas. And then these
08:06skills allow you to move sideways diagonally or completely pivot if needed because you're not
08:10tied to a specific job title or role. You could carve any job to your role with the skill sets that
08:17you have. Next, and this is something that most people overlook or they don't want to do because
08:23they're so used to being in an institutionalized environment. And that is building a personal brand.
08:29Not saying become an influencer, you just need a digital footprint that shows who you are and why
08:35people should trust you. So a solid LinkedIn profile, a simple website, a portfolio or a few
08:41case studies. When thousands of people can apply for the same job in minutes, visibility is often what
08:48sets you apart. It's not enough to be good anymore. People need to know that you exist. Next, embrace
08:54technology instead of running from it. AI is not going away. It will automate tasks and transform
09:00professions. But if you know how to use AI tools to generate ideas, to analyze data, to improve your
09:07workflow, to save time, you'll instantly be more valuable. Just don't let it replace your own
09:13thinking. That's what I want to say because some research suggests that AI tools may erode our ability
09:19to learn or complete tasks independently. Sure, so you want to be technologically literate, but keep
09:25investing in your brain too. And that brings me to the final tip, which is be human. Because when
09:30everyone around you is outsourcing their thinking to AI, embracing what makes you human actually can
09:36give you a huge advantage. And as an article in the Harvard Business Review puts it, we may discover
09:42the advantage of sounding like ourselves and embracing our own personality. It goes on to explain that having
09:48meals with colleagues, attending conferences, and initiating conversations with a stranger might
09:54not seem that important, but they represent an opportunity to build connections and gain insights
09:59that simply aren't possible through AI. Think of it this way. AI only knows what we've programmed it to
10:07know. So by living your life, talking to people, and having real experiences out in the world, you'll have
10:14knowledge that ChatGPT doesn't. The article also says you're adding something genuinely new to the
10:19cultural conversation that wouldn't be possible through AI. So if 2026 really is the end of the
10:25traditional career, that doesn't have to be such a bad thing. By building skills, diversifying your
10:31income, embracing technology, and leaning into what makes you human, you'll already be miles ahead of
10:37where most people are. And once you've protected your income, the next step is making sure your money
10:41works for you. Earning more is great, but investing is what creates freedom. So if you want to take the
10:46next step in growing your wealth, you can watch this video right here where I explain how to invest
10:51as a complete beginner. We cover how the stock market works and how to avoid expensive mistakes
10:56as well. See you there.
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