I would say writing it myself is more enjoyable (in some cases). But I quite understand that I am not paid to enjoy myself. I'd say it's quicker getting AI to do it and reviewing. I believe the outcome is no worse on average. So yes, that's my chosen approach.
The article refers several times to the benefits of the game designer and the coder being the same person. I've often felt that this is the only way to build anything impressive, and in fact I'm amazed that corporations with their hierarchical organisation model ever get anything built at all but I suppose you can brute force anything with enough employees.
It does make you wonder if the future of AI-assisted development will look more like the early days of coding, where one single mind can build and deliver a whole piece of software from beginning to end.
The biggest challenge with pensions is convincing people in their 20s to invest in high risk/high return investments. This is usually the right strategy because of the long time horizon of several decades until they will need to crystallise losses/gains.
However if they see their pension balance fall in a big correction, they can panic and move to less volatile investments, thus reducing their long term gains.
You can theorize all you want but the best way to learn to cope with this is for it to happen to you so it would be great to include it in the simulation!
You're giving a 15% growth rate with zero volatility? That isn't going to teach many important lessons.
How about offering a range of rates with volatility increasing as rate increases. Then they can think about the benefit of guaranteed return vs the benefit of long-term growth, or a combination of both.
I decided to go for Yoto over Tonie because it explicitly encourages "Make Your Own" cards which you can put any MP3 files of your own or RSS links to podcast.
That was true for COVID but be careful not to overgeneralise. People also have historically warned about many things, with many of them never coming true.
In fact, that is probably the reason that people unfortunately have learned not to listen. There's even a fable about it.
Is it not just a question of what you're optimising for? Excluding the outliers (the lazy, incompetent, or geniuses), most can choose what to optimise for:
- free time, low stress, calm life
- fulfillment through delivering functionality
- fulfillment through pride in the craft
- money and status through career progression
- social validation through relationships with coworkers/bosses
I would say writing it myself is more enjoyable (in some cases). But I quite understand that I am not paid to enjoy myself. I'd say it's quicker getting AI to do it and reviewing. I believe the outcome is no worse on average. So yes, that's my chosen approach.