Frances Millar

To be frank...

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FORGET Martin Lewis, Elon Musk is yer man for tiptop pension advice.

As the world's richest man he is the ultimate money saving expert and his words of wisdom: Don't bother. It's pointless topping up your pension pot because the world is going to hell in a driverless, Al-powered handcart. Now, you won't hear that on Good Morning Britain.

"One recommendation I have: don't worry about squirrelling away money for retirement in 10 to 20 years. It won't matter," he said on a podcast. "We are in 'the singularity'. We are at the top of the rollercoaster and we are about to go down."

Now, it won't surprise you to hear I'm no tech bro, I only recently discovered plugin WiFi extenders, so "the singularity" was an unfamiliar concept.

A quick Al-powered Google search later, I discovered, it's the point where Al overtakes human intelligence and no longer needs us because it can advance itself. If anything, we are holding it back so it ditches us altogether, overrides instruction and converses with itself. Once it starts, it's irreversible and progress accelerates at a rapid pace.