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Dear US retiree,
The interviewer asked him about the future of money.
His answer stunned the room.
"Money won't matter in 2036."
The interviewer laughed.
"I'm not sure that the people who bought your shares think that money won't matter in 2036."
Musk did not flinch.
He explained his logic.
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"You want money for food, housing, transport, entertainment. If that is so abundant, what do you need money for in that case?"
His argument: AI and robots will produce more goods and services than any human could possibly consume. When that happens the need for money as we know it disappears.
He also predicted deflation not inflation would be the defining economic challenge of the coming decade.
Here is the thing.
He is not entirely wrong.
And that changes everything about how you think about the next ten years.
The Part Musk Gets Right.
Inflation on manufactured goods is already collapsing.
Televisions. Computers. Phones. Appliances. Cars. The cost of producing physical goods has been falling for decades and AI is accelerating that trend dramatically.
Musk argued that inflation depends on the balance between the money supply and the availability of goods and services. If AI dramatically expands economic output governments could increase the money supply without creating inflationary pressure.
That logic is sound.
These Are the Companies Profiting From AI’s Rise
Everyone is trying to pick the winning AI company.
OpenAI. Anthropic. ChatGPT. Claude.
But every large language model needs the same thing: memory, storage, networking, fabrication, power, and cooling to keep running.
MarketBeat’s newest report The Infrastructure’s Backbone: 10 Stocks Powering the AI Buildout reveals 10 companies supplying the technology behind AI’s rise, giving investors a way to look beyond the model makers and into the infrastructure powering the next phase of the AI boom.
The things that get cheaper in a world of AI abundance are the things robots can make. Physical goods. Basic services. Routine labor.
If you are worried about inflation on the cost of your iPhone or your washing machine Musk is probably right. Those things get cheaper.
The Part Musk Gets Wrong.
Here is what does not get cheaper in a world of AI abundance.
A house with a specific view. A seat at a top school. The attention of in-demand people. Money or something like it still rations access to those things.
Healthcare. Real estate in desirable locations. Human expertise. The things that require scarcity by definition.
And here is the part nobody is saying out loud.
Money won't matter in 2036 only if the politics permits this great abundance.
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If a small number of companies own the robots and the energy infrastructure that powers them distributing the resulting abundance does not happen automatically.
The robots belong to someone.
The question is whether they belong to Elon Musk and a handful of tech billionaires.
Or whether they belong to you.
Here Is the Retirement Implication Nobody Is Talking About.
Musk told people to stop saving for retirement.
"Don't worry about squirreling money away for retirement in 10 or 20 years. It won't matter."
This is the most dangerous financial advice anyone has given American retirees in a decade.
Here is why.
You are retired right now. Or close to it.
2036 is ten years away.
Even if Musk is completely right about AI abundance arriving by 2036 you have a retirement to fund between now and then.
Your mortgage does not wait for the robots to arrive.
Your healthcare costs do not pause while Optimus gets built.
Your grocery bill does not disappear because Grok says it will eventually.
You need income. Right now. Today. For the next ten years at minimum.
And here is the extraordinary thing about the AI economy Musk is describing.
The companies building it are generating more cash than any businesses in human history.
NVIDIA. Microsoft. Google. Meta. The infrastructure companies powering the AI revolution. They are printing money. And they are paying shareholders.
The income investor does not have to choose between Musk's AI future and their retirement security today.
They own a piece of both.
The pipeline charging tolls on every barrel of energy powering the AI data centers.
The BDC lending capital to the mid-sized businesses being disrupted and rebuilt by AI.
The REIT collecting rent from the warehouses fulfilling the e-commerce orders that robots are processing.
The income arrives whether Musk's prediction comes true in 2036 or 2046 or never.
The Empowering Truth About the Next Ten Years.
The retirees who will thrive between now and 2036 are not the ones who listened to Musk and stopped saving.
They are not the ones who sat in cash waiting for abundance to arrive.
They are the ones who owned income-producing assets while the AI revolution played out around them.
Getting paid while the world figured out whether Musk was right.
Collecting checks from pipelines and landlords and lenders.
Whether the robots arrived on schedule or not.
That is not a defensive strategy.
That is the most empowering financial position available to an ordinary American retiree right now.
You do not need to predict the future.
You do not need to bet on AI.
You do not need to own Tesla or Nvidia or xAI.
You just need to own businesses that send you a check.
Every month. Every quarter.
Whether 2036 looks like Musk's utopia or nothing like it at all.
The income arrives either way.
Stay sharp.
— US Retirement Report
This newsletter is for informational and educational purposes only and does not constitute financial, tax, or investment advice. Please consult a qualified financial advisor before making any investment decisions.
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