Tod McKenna: Wealth & Personal Finance

How to Calculate Your Human Capital (and Why It Matters More Than Net Worth)

Your human capital—the value of your future earnings—is likely your most significant financial asset, especially if you’re in your career’s early or middle stages. This post breaks down how to estimate your human capital using simple finance concepts like present value and discount rates. You’ll also learn why accounting for mortality and wage growth is essential for realistic planning and how your estimate fits into a broader picture of personal wealth.

In this post, I explore how the intersection of finance and AI is driving smarter decision-making across the industry.

The Intersection of Finance and AI: Where Smart Systems Meet Smarter Decisions

tod.mckenna / 2024-01-06

AI is no longer a far-off concept in financial services. It’s here, and it’s redefining how we operate, how we serve clients, and how we manage risk. In this post, I explore how the intersection of finance and AI drives smarter decision-making across the industry. I’ll cover my thoughts on identifying high-impact use cases, what infrastructure is needed to get started, and how to think strategically about adoption, all through the lens of practitioners already doing the work.