a_bonobo
10 hours ago
>On my visits to the Bay Area, I would ask AI researchers or interns why they are doing their current research or projects, when in a year or three agentic LLMs could probably do them;
This is such a weird point to make that doesn't become correct just because everyone makes it, all the time. Why clean the ocean if some magic future tech will clean them? Why save the world now if some benevolent AI is 'just around the corner' and will do it for us? And people have been making this point for years now, and it's not like my job got any easier. I just got more AI.
https://www.poetryfoundation.org/poems/51294/waiting-for-the...
And I say that as someone who uses Claude Code in complex environments almost hourly; I, as the human, still have to do the thinking as Claude still 'can't jump' [1] and I have seen no evidence that they (or similar AI, any time soon) will 'jump' like a human brain does.
germandiago
5 hours ago
> This is such a weird point to make
I think it is a great point to make, because if everyone really believed that AIs will do everything without human intervention in a handful of years, as the marketing repeats again and again (AGI, singularity, etc.) and have been saying for years... why then get bothered?
Because we DO know LLMs have their hallucinations, limitations, perform tasks not previously seen way worse than humans, etc. And it seems that, for now, there is not a good or magic solution to it, it is inherent limitations of the paradigm.
Yes, you can feed more and more and more (curated data) and eventually make AIs excellent at task X or Y, but then you spend your time specializing those engines. So the work does not really disappear, it just shifts and you make it more replicable for a bound set of problems.
Needless to say that at some point I prefer to learn (and combine with AIs, it is ok) than acritically getting inputs from something until I become totally useless.
Unless we have a paradigm for which a fully autonomous AI can do everything, this will just become improving our productivity in some ways, with all the in-between bottlenecks that it has.
nextlevelwizard
5 hours ago
Why spend money and time making the new flagship model when a future flagship model can make you the flagship model?
germandiago
5 hours ago
Then why not stop researching and doing the definitve model that will solve every problem? Why some people are not doing it?
Bc they are aware of the marketing and limitations. If they did believe it, then they would switch area of research.
dmurray
3 hours ago
It's a very silly point to make to AI researchers specifically. If they don't work on those projects, the AI won't advance and won't magically be able to replicate the work in "one to three years".
pdhborges
an hour ago
Can you imagine scenarios that would make it less silly? I will give an example:
- The AI researcher might be working for a lab or company with much less funds than the top dogs. Are they likely to discover something that is worth it before a bigger model becomes more capable?
jbstack
an hour ago
Relevant xkcd: https://xkcd.com/989/
Yopolo
4 hours ago
No we don't know your 'points'
The Hallucinations are becoming less, significantly by now.
It also might be already were it is cheaper for one of the big few companies to spend millions and billions to teach the LLM / creating the training data necessary for an LLM to do something which it is not yet good enough due to the fact, that they sell this capability then to everyone who wants to use this capabilitiy.
We have not seen the end of Reinforcement Learning, which does need a lot less training data but more compute.
I'm 'vibing' on the side a handfull of small things, no LLM trained on particular what i'm asking to do. Its very capable of stringing together enough things so it can clearly follow handwavy things i tell it to do, analyse error messages, analysing screenshots etc. all by itself.
There is not a single real ceilling in sight, we only have clear barriers like compute but constant fast progress.
The field of mathematics went from 'useless' to 'you start better using it' to 'gamechanger' in how fast? 1 year after coding? less?
I want signes that we hit a real problem, instead I get cheaper tokens, Chinese models becoming very good as open models, new model updates from the others, mathematicans now saying how good it is etc.
Only half a year ago I had to babysit an LLM, now i tell it 1-3 sentences and it just goes and does it. And that stuff runs without compile errors etc.
If AI makes us 10% or 20% betteer, which is not that much, this alone will lead to companies reduing their expensive staff by 10-20%, which will has real impact on a job area. Some jobs are already hard to sell like cyber security and basic image tasks.
ubercore
2 hours ago
Hallucinations were low hanging fruit in some ways. As someone working on a large-ish complex-ish distributed system that has to be maintained and support customers, it's still very high value to have Claude in the mix, but the core problem of needing to monitor, advise, course correct, and make sure you don't end up with more code and complexity than you need is, at least in my experience, still roughly the same. The sharp edges are being filed off very rapidly, but the core experience of "make and maintain a large system" isn't advancing nearly as fast, IMO.
Yopolo
12 minutes ago
I'm waiting for the agentic ai platform layer.
We see AI factories going in this direction but there is no real 'the open source ai platform' thingy.
It needs connectors to integrate with k8s, hyperscalers etc. it needs to be able to have a basic router, a way of configuring expert agents and interaction options for the human in the loop.
There is for sure things we need to build or change, but it def feels like to me that it would immediadly fix a few things today.
I'm not disappointed that it doesn't advance as fast as it feels
germandiago
3 hours ago
> The Hallucinations are becoming less, significantly by now.
Yes? What is the mega-solid technique that is used for it? Armies of people using curated data and reviewing it by hand? That is exactly one of my points: shifting the work elsewhere for specialized tasks. More replicable, improved, but, it scales infinitely and is autonomous? Can you assert that?
I am not denying there is some use (a lot of uses!) for this, but this is more nuanced than just: oh, they will replace us. Not at all, that day, with the current technology, is not going to arrive. This is just a systematization, fitting and tweaking of human knowledge by curated data. It is not the one true superintelligence they are selling us. To begin with, they do not have a concept of truth, but of probabilistic truth. Only that poses already a very, very big problem for the path to perfection.
> We have not seen the end of Reinforcement Learning, which does need a lot less training data but more compute.
Noone said the opposite, but I would like to know at which cost and if it is feasible. We do not have even enough compute power for current technology.
> . Its very capable of stringing together enough things so it can clearly follow handwavy things i tell it to do, analyse error messages, analysing screenshots etc. all by itself.
I use it every day for these tasks and it works well BECAUSE I review the output and makes me go faster. It finds a lot of things I would have not found and it also hallucinates another handful of them, which confirms my point about AIs not being able to be fully autonomous in any future point in time unless tweaked exactly for the task, and even then, it can still miss judgement a human could have for edge cases. So I am not sure of how bad or good it can be compared to a human but I am pretty sure it cannot be more reliable than an expert in many situations.
> Chinese models becoming very good as open models
I think they will be better in the long term if they follow this path. Not absolutely better but when mixing with economics and the fact that no frontier model is totally reliable anyway... why pay a lot for something that needs human inspection anyway?
> There is not a single real ceilling in sight, we only have clear barriers like compute but constant fast progress.
The ceiling is the paradigm itself, as I mentioned above. There is not a single chance with current technology that something could become "generically knowledgeable" and "reliable" both at the same time. If it becomes generically knowledgeable and reliable, it is bc of data fed into it and curated and tweaked by humans. This is not an original idea from myself, there are armies of people doing this every day around the world, you can check. This is where a lot of improvement comes from. Can this be reused? Of course. It is a generic solution? No way.
> Only half a year ago I had to babysit an LLM, now i tell it 1-3 sentences and it just goes and does it. And that stuff runs without compile errors etc.
Yes, I also do one-off scripts like this and code snippets, even reviews and others. Now go design a full distributed system. Use agents if you want. We come back in six months and compare it to a system that was properly written and tested by humans and we can compare the quality on some grounds:
1. how long it takes to add new features?
2. which ones act more according to spec once added?
3. when adding features, which ones have more bugs?
4. in the face of an error, will the agent delete my whole AWS infra (count the money losses if possible also)?
5. will I understand (or need to understand, but I bet yes) this code at some point in the future?
You have to count all that money also, not just I vibe coded something and it seemed to work. With full systems things become super messy. Now add the human factor of requirements and back and forth (iterations can be admittedly faster with AI, especially prototypes, but that comes with other costs also)...Not easy at all.
Yopolo
3 hours ago
> shifting the work elsewhere for specialized tasks. More replicable, improved, but, it scales infinitely and is autonomous? Can you assert that?
I would say yes and it will scale. It will either happen through central LLM just paying for it and scaling it up to everyone on the planet (literaly) OR by the agentic layer every big business is building into their systems.
You needed some human to use your tool optimized for their company? With agentic layer you no longer need this. And if you look at companies like Google, they were pushing this notion for ages already because they saw an adoption problem of more 'complex' tools and trying to make it simpler and easier. Now you can act from the other side too.
> We do not have even enough compute power for current technology.
Exactly. Right? There is no ceiling if its clear that we don't even have the hrdware. But the hardware is a bottleneck not a ceiling.
> The ceiling is the paradigm itself, as I mentioned above. There is not a single chance with current technology that something could become "generically knowledgeable" and "reliable" both at the same time.
It doesn't need to be perfect, it only needs to be better than the avg human. And the current LLMs are already better than aat least 1-2 people in my team.
> Now add the human factor of requirements and back and forth
Yeah for now. Grill me skill made it a lot easier. Harness engineering is also being worked on, agentic layer, ai factories etc.
And all of this can be copy and pasted. There is only one harness needed which becomes the expert security reviewer and tomorrow everyone can have it.
I'm still discusing progress with LLMs with people and still not everyone is using it or playing around with harnesses or developgn an agentic layer. We still have a lot of work to do to even see how good it will become while it already is really good.
People are already borred of AI today and making wrong decisions based on the current level of AI while i think we will see continues progress for years.
germandiago
an hour ago
> I would say yes and it will scale
So you mean AI will be useful for any general job without lots of training for those jobs? How about new tasks? Tasks it has not been tweaked for. When I deviated from the average, and not really weird things, when programming, the output was way worse than average stuff. And this is an explicit target of AIs nowadays.
I think you are missing a lot of details here, honestly.
> Exactly. Right? There is no ceiling if its clear that we don't even have the hrdware. But the hardware is a bottleneck not a ceiling.
No, the hardware is a bottleneck, the paradigm as we know it is a ceiling unless you massively and continuously feed this system with average tasks (which is useful). Which is exactly the opposite of what singularity and AGI have been promising.
The systems we have now (unless the paradigm changes) will keep doing, essentially, fitting. No concept of truth and limited inference. That inference is based on already existing data, not on future data. In fact, there have been experiments about feeding output back to the input of LLMs and the degradation of the quality is very visible. If they are supposed to be so "intelligent", why it happens?
> It doesn't need to be perfect
I can agree that for lots of tasks it does not. But for others it is just not a tool good enough.
> Yeah for now. Grill me skill made it a lot easier. Harness engineering is also being worked on, agentic layer, ai factories etc.
I will not deny there could be progress, but nothing similar to "autonomous", "reliable", "super intelligence" or "singularity" with this paradigm.
In fact, often in my experience, this is a waste of tokens for subpar results that shift the technical debt elsewhere. I mean if you try to develop full systems by "vibe-code like" techniques. If you use them judiciously, you can accelerate your workflow, maybe 2x, but not much beyond that if you want to have something worth to be used. Note that here I am talking about the full thing: with testing, quality, maintenance concerns and everything together.
If you want to ship a sub-par thing that will go to the rubbish in a couple of months, then yes, you can do that. But that will fail commercially any way. Unless your job is convincing enough people that you can go 10x faster every time, deliver some sub-par thing, and find another customer, which, to me, would equal a scam.
satvikpendem
an hour ago
The AI researchers are not the ones making the marketing, much less believing in it.
germandiago
an hour ago
I agree. But this is not what you see on the headlines and what money-incentivized stakeholders are saying.
joaquieneCnix
4 hours ago
> inherent limitations of the paradigm
This is such a weird point to make. We are currently ( only ) discovering that paradigm; we are not inventing anything. We found a bunch of laws that produce rather cool results but our paradigm is incomplete which leads more or less wordy or frame-rich weird stuff like hallucinations, singularity and so on ... it's childish, really and on that funny pseudo-profound, pseudo-intellectual, pseudo-spiritual ( personal opinion, if it gets you horny, you go, baby ) "universe consciousness unity, Rick James, bitch" level ...
Our bodies and minds need proper AI, not all the stuff we already outsource to middle and/or passionate men and women. Other species on the planet would certainly like to see us get augmented by AI so we can solve as many survivability issues as possible to keep as many ecosystems running long enough ... whatever that means but whether animals and plants are aware of chance and potential is another philosophical debate.
To individuals, software is a hammer and chisel, a knife, a brush and canvas, pen and paper, a reading help, and to a good amount of people it's a microscope and a fine scalpel.
To collectives, it's a tool to work on consensus and conventions, to share and gather.
It's baby steps for civilizations and it looks like our particular species is gonna get stuck in a puddle of our own monkey shit, with bottles of champagne in our hands and monkeys grinding up and down the few ivory towers in proximity.
> why then get bothered
Humans are on different levels. Most have decided that "nature realized the/a bug and wanted someone dead" or "their survival is a matter of chance" is not acceptable at all and some people decided that sabotage, poison, abuse, rape, murder are acceptable means to get chicken shit ...
The "paradigm" of life is far from explored/discovered, so we simply can't content ourselves with presumptions about inherent limitations of the LLM and AI paradigm for any other reason than to uncover ( not invent ) other parts of the paradigm.
We are happy with what AI can do for us but "AIs will do everything without human intervention" sounds weird because babies are born and the older they get and the less sabotaged ( vs influence, cultural manipulation ) they get to grow up, the more breadth and depth humans want to experience. For this they need to learn and use their hands & fingers. They need to feed body and mind to find what triggers what, and what excitement and curiosity are inherent and which can or need to be added/acquired/experienced extrinsically.
How many associations will we be able to make if AIs will do everything without human intervention?
decimalenough
10 hours ago
I think you meant to post this in response to https://news.ycombinator.com/item?id=49174900?
seizethecheese
5 hours ago
Yes I double checked the quote is not in the article. HN is probably the best place on the internet for people actually reading the article, but this being the top comment here suggests that the majority of voters still do not read the article
DrewADesign
9 hours ago
Same reason some think preserving the environment is pointless because the believers will ascend to heaven, either way. It’s a religion. It’s dogmatic nihilism.
fhub
10 hours ago
> I, as the human, still have to do the thinking as Claude still 'can't jump'
I still have to do quite a bit of thinking but the amount of of thinking I do per task is trending down. I agree LLMs are not good at abduction but very few humans are either and very few jobs/tasks require it. I can't talk for researchers jobs though. But perhaps fewer researchers would be desired by these labs (not none).
bigfishrunning
9 hours ago
> I still have to do quite a bit of thinking but the amount of of thinking I do per task is trending down
Don't worry, I'm sure you'll hit your goal of zero thinking soon!
xprnio
8 hours ago
Trending towards the Homo Amens Mechanicus: the mechanical thoughtless human. What a goal
germandiago
5 hours ago
Only bc of this I will keep balancing what I do with my brain with what machines can do. dangerous outcome.
The IQ willl drop if we just become mechanical acritical people the same way muscles get worse if you do not exercise.
jihadjihad
9 hours ago
> I agree LLMs are not good at abduction but very few humans are either
I, too, am glad that few humans seem good at abduction.
selljamhere
9 hours ago
And I hope LLMs don't get better at it.
fhub
7 hours ago
"Abduction" being the way the article used it as in "explanatory reasoning in justifying hypotheses". https://plato.stanford.edu/entries/abduction/
guybedo
10 hours ago
although, if i'm out of tokens and have to wait a full day, i won't bother doing some things manually because the day i'll spend doing something won't take more than 1 hour the next day when tokens are available again.
MikeTheGreat
7 hours ago
That seems like a somewhat orthogonal point? Like, if I'm a carpenter and my batteries all run out / I can't actually power my power tools then the best course of action is to go home and recharge all the batteries instead of trying to hand-cut 100 pieces of lumber today. After all, the power tools can do it a lot faster (and with less effort) than I can.
I say this as someone who's watched a bunch of woodworking videos but hasn't actually done this myself :)
whatsgolden
6 hours ago
I read that more so as, I'm a carpenter and my batteries have all ran flat, so I'll put them on charge and do something else today. I'll cut up the lumber tomorrow when the batteries have charged.
iammrpayments
3 hours ago
According to the article that part being automated isn’t more than 18% of your day anyway
bwhiting2356
5 hours ago
A fully automated utopia isn't just going to happen. Even with frontier models, the integrations, the evals, the UX, need a lot of work and someone needs to do it. After I've automated this thing I'll move on to the next task, this is what it means to be a software engineer.
ReactiveJelly
5 hours ago
An actual utopia would require never-before-seen democratic mandate from people who are currently on the brink of hot civil war
Yopolo
4 hours ago
It still makes a massive difference for me if they only need a handfull people now.
Generating a good looking UI for example, is so much easier now with LLM.
For a joke I asked ChatGPT yesterday to make a short promoimage for a 'joke' idea i had, it was above avg. I have for sure seen worse Marketing Images than what ChatGPT generated.
It looked similiar to plenty of other Marketing Images but its not that anyone cares.
pjmlp
4 hours ago
Robot powered factories still have humans there, the gist is that they are a tiny fraction of what a classical factory would require 50 years ago.
skew-aberration
9 hours ago
AI has made 'jumps' in demanding fields like leading mathematical research and has made advancements in AI research itself. Is now a good time to start a maths career? Is there a field of research (yours?) which is inherently (more) AI proof?
Btw, I think the discussion of Einstein's career in the paper you link is historically wrong in many respects, particularly the argument about 'weak signal'. Einstein was in fact working on some of the most mainstream and widely discussed problems in physics of the day, he is admired for the creativity of his solutions to those problems, and much of his work built incrementally on ideas and breakthroughs that came (long) before (as all research does).
Article suggests that a central motivation of Einstein's work was resolving action-at-a-distance in Newtonian mechanics - yet Maxwell introduced the same Lagrangian field theories for electromagnetism we use today 50 years earlier to solve the same problem for Farraday's laws of electromagnetism. Similar wave equations existed even earlier. Heaviside in 1893 extended this technique to gravity (matching 'weak field' GR) 20 years earlier. So this is perhaps the one aspect of gravity that had actually already been solved before Einstein. Authors might be conflating his work on action-at-a-distance in QM.
Einstein's GR extended the linear 'weak field' understanding of gravity to include the non-linear self-referential case where masses themselves create gravity. This was mathematically incredibly difficult but was necessary precisely because SR's mass energy equivalence created so many strong signals that were unresolved. For example: if finite energy is mass, then mass changes as objects accelerate past a large mass like a start, and hence their propagation in space could not be explained by linear EM style field equations. Many such considerations were causing very 'strong signals' in SR, and there were analogous problems in QM atomic models being developed at the same time.
SR was also a solution to a problem that was actively being worked by many of the leading physicists of the day. SR actually does match Newtonian mechanics for a single observer - it resolves contradictions in the case of separate observers, by allowing them to assign different values to the speeds, masses, etc of objects such that each object appears to follow Newtonian mechanics for each observer. Again, this was necessary because of a lot of contradictions related to the behavior of light that had been well-known for ~20 years at the time.
Personally, I don't consider this kind of reasoning to be beyond the capabilities of future LLMs (even current LLMs if the task was broken into technical rather than philosophical problems). Personally, I doubt that such problems could stand open for 20+ years waiting for a creative genius to solve them in the modern world.
And don't get me started on the philosophy.
Patient0
2 hours ago
Sorry where in the article does it make this point? I cannot find the text "On my visits to the Bay Area" anywhere in the original article.
decimalenough
10 minutes ago
It doesn't, GP was responding to the Gwern story at https://news.ycombinator.com/item?id=49174900 but posted in the wrong place.
sevenzero
5 hours ago
Also people tend to forget that LLMs still just work on compressed data... Where are the MAJOR breakthroughs? Where is all the "crazy" AI output going? Software seemed to degrade in quality a lot in the recent years. All "improvements" LLMs go through are simply improvements on how to burn more tokens out of my pockets given that Claude now want an actual browser extension to "visually" confirm small changes every time I use it for UI. They are still just data parrots.
vladms
4 hours ago
From what I see most benefits are for people that work with LLMs, but usually smaller percentages never 50% or more because of the LLMs (OK, unless you were doing basic, repetitive stuff, but then that's not to write about).
Which kind of answers the original question "why bother working?" with "because now, I can do a bit more than before".
I also see bad quality (in code, documents, presentations). It comes from people that had no clue how to do something before and now they imagine that just asking Claude is solving well the problem. And is annoying (and hard) to explain to it them, and then they get frustrated.
Yopolo
4 hours ago
LLM don't work on 'compressed data'. LLM compress data into their latent space which allows them to become general.
They learn the concept of things and how to do them because this is better compression than learning concepts one by one.
Which means, if an LLM 'learns' the concept of a poem, it can put everything into the formad of a poem instead of learning a billion poems.
ChicagoDave
5 hours ago
There’s a small group of established architects talking about harness engineering, but I’m not sure anyone is actually listening to them.
And those same architects are quietly extracting real productivity from GenAI.
And even this write up skips that info by waving, “Some people…”
dgellow
4 hours ago
Mind sharing some names or something else we can learn about?
sevenzero
5 hours ago
Idk, maybe some people get crazy productivity out of LLMs. To me, going deep into the AI bubble, reading about terms I've never seen before just feels like some crypto bro bubble with people being too deep into the sauce to notice that these things are not the wonder machines they believe so hard in...
iammrpayments
3 hours ago
The only thing I noticed in some of the software I use is more design changes, but they are often not better than before.
saghm
7 hours ago
It also seems kinda tone deaf. If someone basically told me I was wasting my time and asked what I would do in the future, I would not bother giving them a particularly thoughtful answer because trying to spend effort justifying my life choices to them would be the actual waste of time.
What kind of answers were they expecting to get?
paul7986
9 hours ago
By trade I'm a UX Researcher/Designer who designs in code (HTML/CSS) and have done so since 2009. Recently I vibe coded an entire python app with a database and each time I didnt know what to do I would just feed screenshots to Gemini or Codex for guidance (i think i could share my screen with Codex and it can guide me via a voice conversation). I know I could follow up and build a companion iPhone and Android app using these tools.
Overall, I'd like to understand those who have a positive outlook on design and software engineering as a career. Where do you see the opportunity where I just see a bleak one where anyone can do this stuff by typing or talking to AI? Myself, after 17 years in the field I am begrudingly back in school for a new medical career. As well, anytime an IT recruiter reaches out I am getting responses back only after under-cutting the hourly rate I use to demand and what others probably are still trying to get. And with it feels even bleaker as it becomes a race to the bottom!
griffiths
7 hours ago
In my experience, not everyone can really do this stuff by typing. I think you need to be creative, resourceful, inventive, open minded and have ideas how to approach the typing/prompting. I see many people struggle in using AI.
lelanthran
4 hours ago
> In my experience, not everyone can really do this stuff by typing. I think you need to be creative, resourceful, inventive, open minded and have ideas how to approach the typing/prompting. I see many people struggle in using AI.
The problem, for the profession, is that the set of people who can really do this stuff by typing is close to "all of them". I'm not seeing anyone struggle with using AI. I see struggles from professional software developers because they are trying to get quality output, but if you don't have a bar for quality, just about everyone can create their own software.
A poster a few months ago had a Show HN about his 7 year old kid, barely able to read, who was happily vibing up games.
griffiths
3 hours ago
I can attest to the other side as well, that I have seen professional software developers outputting code of lower quality than AI. And I would say that during my career (18 or so years) I have met a small number of quality software developers or engineers. Although that might be because I was not in Silicon Valley where most of the smart/hotshot engineers converge.
aryehof
4 hours ago
The industry has vast (and increasing) oversupply of “programmers” versus diminishing demand. Add to this, the adoption of AI.
> Overall, I'd like to understand those who have a positive outlook on design and software engineering as a career.
I think until the market better achieves some equilibrium, there is no way general software programming (sorry “engineering”) should be considered as a career. That said, there will always be opportunities in particular markets or specialties.
cjcenizal
4 hours ago
I also work in UX and SWE, and heavily use GenAI in my work. I don’t have a positive outlook for people who limit their career to one of those fields, but I do have a positive outlook for generalist, multi-disciplinary careers. When you have the experience and skill to steer product development from end-to-end, you can produce high-quality products super-quickly. The experience and skills are the differentiator — if you lack those you can still use GenAI to move fast but probably in the wrong direction.
antonvs
7 hours ago
It reminds me of Richard Hamming’s notorious question. I like the summary at https://bestjelly.substack.com/p/hamming-questions (which starts out with a quote from another site):
> > Mathematician Richard Hamming used to ask scientists in other fields "What are the most important problems in your field?" partly so he could troll them by asking "Why aren't you working on them?" and partly because getting asked this question is really useful for focusing people's attention on what matters.
> I imagine someone being asked this question, and how they should respond. I think like so - ‘Fuck off Richard’.
> This is partly because I imagine this question being asked in a kind of snarky, gotcha kind of way, with some sort of nerdy superiority. Like ‘ha your behaviour is inconsistent with your implied preferences, you idiot, do you even von Neumann–Morgenstern?’
esafak
10 hours ago
Also, if you believe your well-paying job is eventually going to be automated you would be prudent to bank the money while you prepare for the future.