This AI audio vision of your ideal retirement could trigger a financial epiphany

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What does retirement literally sound like? Can hearing two people describe the minute details of your ideal future “day in the life” lead to better financial decisions today? It very well could, and by using cutting-edge, free AI tools, you can try it out for yourself.

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Imagine the hum of an espresso machine in your dream kitchen as you enjoy coffee on a sunny terrace, the distant laughter of grandchildren you haven’t met yet or the splash of waves against the dock of your summer cottage.

Making your future feel that real and tangible may seem like fantasy, but thanks to artificial intelligence you can create an immersive “audio vision” of your ideal retirement that could motivate you to save more or take the sting out of the financial planning sacrifices you are already making.

Here’s an example of what I’m talking about. The following “deep dive” conversation between two people was 100-per-cent generated by AI, based on a hypothetical set of retirement and financial planning goals. It is virtually indistinguishable from a human conversation.

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You can try the following for yourself. The final output sounds like a high-production podcast of two hosts describing the nirvana of reaching your long-term goals. It could cause an epiphany about how you think about money and your values.

Step 1: Use ChatGPT (you don’t need an account) and enter the following prompt: “Create a narrative story of a dream day in the life as my future self based off of achieving the following goals.” Then include a detailed list – the more details the better. (To err on the side of caution, you may want to avoid including any sensitive personal or financial information.)

Step 2: Take the output from ChatGPT and go to the NotebookLM website. [NotebookLM is free to use, but you do need a Google account to access it.] Upload your copied text, then ask it to generate a “Deep Dive Conversation.”

It will take approximately four minutes to generate. Then click play and be prepared to be blown away.

If you find yourself motivated to save more money, here’s why. We all know saving for retirement is important, yet so many of us struggle to follow through. Often the reason isn’t a lack of knowledge. The math makes sense, and prudent investment along with financial projections reaffirm that.

The problem is that what looks like a good trade-off on paper doesn’t necessarily feel like a good trade-off in our brains. You can partly pin the blame on present bias, which makes the pain of giving something up now feel much more acute than the promise of comfort down the road. It’s tough to muster the day-to-day discipline when the payoff lives in a hazy future.

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But what if you could make that future more vivid, concrete and inspiring? Research shows that when we perceive our future selves (through age-progressed renderings) more clearly, we’re more likely to act in our future’s best interest. That’s where technology steps in. By using available AI tools, you can generate a detailed, narrative story of your dream retirement day: where you’re living, what you’re doing, what you’re seeing and, yes, even what you’re hearing.

This exercise isn’t just a gimmick. It’s a clever way to bridge the psychological gap between today’s sacrifices and tomorrow’s comfort. If we can trick ourselves into feeling the future’s pleasures more intensely, suddenly the present-day cost of saving seems smaller. The emotional math shifts. Instead of enduring a vague notion of “doing without,” we’re making concrete investments in a future scenario we’ve heard come to life.

Financial advisers could benefit from this exercise, too. Helping clients paint a richer picture of their retirement can strengthen their resolve to stick with a financial plan. Imagine hearing a clip of your ideal retirement “podcast” before discussing portfolio contributions. Instead of relying on spreadsheets and projections, you’re hearing the endgame as something emotionally compelling and unique to your values and dreams.

Yes, a robust retirement plan still hinges on the fundamentals – saving diligently, staying invested through market cycles, not letting immediate pleasures derail long-term goals. But knowing you should save more and feeling motivated to actually do it are two different things. The logical path to building wealth is straightforward enough: spend less, invest more, let time and compounding do their work. The psychological path, however, is more complicated.

By turning your goals into something vivid and personal, you just might find yourself more willing to set aside that extra $100 this month. Hearing your tomorrow might be the key to saving for it today.

Preet Banerjee is a consultant to the wealth management industry with a focus on commercial applications of behavioural finance research.

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