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AI Is Here: Salary Earners Have a 3-Year Window to Reshape Portfolios

AI is here. A legal intern's week of work got wiped out by an AI agent in two hours. Travel agents, customer support, even programmers are first in line. How long do salary earners really have? This article explains why the labor income floor is being pulled out, why capital income becomes the lead, the right way to diversify through ETFs, and three under-the-radar variables for 2026.