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Watch Nigeria > Blog > Financial Literacy > There may be No Substitute for Pondering
Financial Literacy

There may be No Substitute for Pondering

Last updated: December 24, 2025 2:31 pm
Terfa Ukende
5 days ago
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There may be No Substitute for Pondering
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I can’t stand AI-assisted writing anymore. It’s throughout Substack. It’s in my LinkedIn replies. It’s all over the place. Like a illness slowly infecting our literary consciousness. I even see it from individuals who I know aren’t unhealthy writers. For instance, a outstanding individual within the wealth administration area lately posted the next:

Your greenback misplaced 53% of its buying energy over the previous 30 years.
That’s not an anomaly.
That’s the system.
Inflation isn’t only a quantity – it’s a silent thief.

There’s nothing incorrect with this message (I agree with it), nevertheless it’s clearly written by AI. The “It’s not X, it’s Y” motif is the clearest giveaway of AI-assisted writing, particularly when that motif is repeated again to again. The message may as nicely say “It’s not human, it’s AI.”

However right here’s the loopy half—even the folks complaining about AI are utilizing it of their writing! I used to be lately studying an article from a historical past professor about how all of his college students use AI to put in writing their essays. As he said:

I largely obtain 400 variations on the identical essay. The wording, construction, transitions, tone, even the closing sentences are largely an identical.

However then the very subsequent line reads:

This isn’t about a couple of college students dishonest. It’s concerning the collapse of a whole pedagogical mannequin. The mass lecture, the take-home immediate, the standardized rubric—all constructed for a world that now not exists.

What AI has executed isn’t merely make dishonest simpler; it has made my complete type of evaluation out of date.

It’s the traditional “It’s not X, it’s Y” motif adopted by an inventory of three gadgets with the em-dash (one other AI writing tactic) and at last closing with one other “It’s not X, it’s Y” model line.

Excuse my language, however what the hell is occurring?

If the historical past professor complaining about AI-assisted writing is passing off AI-assisted writing as his personal, we’re cooked. If the ultra-successful wealth administration skilled can’t assist however use AI (or have his social media group use AI), we’re executed.

Don’t get me incorrect, utilizing the “It’s not X, it’s Y” model isn’t at all times indicative of AI-assisted writing. However if you see it so many occasions in the identical piece, it’s apparent. Why do folks publish stuff like this? Do they assume nobody will discover?

I’m not right here to bash anybody particularly (which is why I didn’t hyperlink to the unique posts above). Nevertheless, I’m dissatisfied in how a lot AI has infiltrated the writing area.

That is what it will need to have felt like for pure bodybuilders when anabolic steroids confirmed up on the scene. AI is a performance-enhancing drug for mediocre writers. And, like bodybuilders on steroids, it leaves behind apparent clues when used.

However utilizing AI isn’t the core difficulty. How folks use AI is. The foundation of this drawback is that nobody desires to assume anymore. They wish to outsource their considering to machines. And, when you begin doing that, it’s arduous to cease.

Belief me, I do know the sensation. In early 2023 I used AI to assist me write about varied matters for website positioning functions. And it labored! My search engine site visitors went up 6x from the start of 2023.

However, inside a couple of months, I needed to cease. As I publicly admitted, writing for a search engine was soul-killing work. I wasn’t writing for me, I used to be writing for an algorithm. To get my ardour for writing again, I needed to begin considering for myself once more.

I understand how tempting it’s to have AI write a whole article for you. In spite of everything, writing is cognitively demanding. It could be a lot simpler to only “push the AI button” and watch it do its work. However you must battle that urge. As a result of when you cross that line, your writing dies. And your soul dies with it.

Extra importantly, you must battle again as a result of that is the final edge you should have. As increasingly folks outsource their cognition to AI, what do you assume goes to occur? Do you assume they’re going to be smarter? Do you assume they’re going to be extra educated?

Not an opportunity. In truth, the other is already taking place. A current scandal broke out at UC San Diego (UCSD) after it was revealed that the variety of college students whose math expertise fall under middle-school degree “elevated practically thirtyfold, reaching roughly one in eight members of the coming into cohort.” Shockingly, 25% of scholars in UCSD’s remedial math course obtained the next query incorrect:

Fill within the field: 7 + 2 = ☐ + 6

It’s 3. There’s no gotcha right here. 7 + 2 = 3 + 6.

If that is taking place at UCSD, which is a superb college, think about what’s taking place elsewhere.

We don’t need to think about although as a result of the information paints a transparent image. As the New York Times recently reported, highschool seniors had the worst studying scores since 1992 and the worst math scores since 2005. There are many possible reasons for this, and the heavy reliance on AI isn’t serving to.

School college students particularly use AI at exceedingly excessive charges. This chart from Sherwood News illustrates how ChatGPT use drops off as faculty college students depart college for the summer time (in early June) after which begins to choose up once more as they return (in late August):

ChatGPT usage by month.ChatGPT usage by month.

ChatGPT utilization by itself isn’t an issue. However when so many educators are complaining concerning the speedy decline in cognition amongst faculty college students, it’s.

I’m not saying this to complain concerning the subsequent technology. I’m saying it as a result of it foreshadows what may occur to the remainder of us if we aren’t cautious. The extra we depend on AI to do our cognitive duties, the extra we’ll mentally atrophy.

Sadly, there isn’t any substitute for considering. 

This will probably be as true immediately as it’s in a decade. Whereas the AI instruments will get “smarter” at varied duties, outsourcing every little thing to them will solely make you extra susceptible. Because the American journalist Sydney J. Harris as soon as mentioned:

The actual hazard isn’t that computer systems will start to assume like males, however that males will start to assume like computer systems.

For this reason considering is the final edge now we have. As a result of whereas everybody else is having AI draft their emails, write their code, and plan their lives, those that nonetheless dare to do some of the psychological work themselves will win out. 

Because the proverb goes, “Within the land of the blind, the one-eyed man is king.”

Thanks for studying.

For those who appreciated this publish, think about signing up for my newsletter.

That is publish 479. Any code I’ve associated to this publish may be discovered right here with the identical numbering: https://github.com/nmaggiulli/of-dollars-and-data




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ByTerfa Ukende
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Terfa Ukende is a seasoned financial writer with over seven years of experience covering topics on finance, investment, and economic development. He began his writing career with NewsWay before joining Watch Nigeria, where he continues to educate readers on wealth building, market trends, and smart money management. He holds a Bachelor’s degree in Statistics and Computer Science, which strengthens his analytical approach to financial reporting and investment insights.
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