getting into the fifth and final shift for 2026. It's a bit of an interesting one actually, and that's that AI is going to be able to start spending your money and you'll be able to get your time back from that. In 2026, we're going to see things like chat, GBT, and Claude. Again, going back to what we said before, more and more parts of your life are going to be accessible through this chat interface and potentially even through chatting on your phone or just using voice to talk to it. There are new features rolling out for your favorite AI tools that is going to allow them to search the web and do shopping for you and find the best deals and then also to take payments. This may seem like a small thing, but there is an enormous amount of time that each of us can get back when you have a personal assistant that really knows who you are. You can talk back and forth with. It's basically like having an assistant that's available at all times and for the price of a freaking Netflix subscription. This is all based off a trend that's called Agentic Commerce. And back in October of 2025, Stripe is like the biggest online payments provider has launched something called the Agentic Commerce Protocol, which is basically the technical plumbing that allows AI agents to securely make payments over the internet and handle your card details. We've seen stuff like this launched already where you have OpenAI and Etsy partnering up. So, you can now literally buy things on Etsy through Chat EBT. And this is just the start. And you're going to see all of e-commerce become available to you within your chat interface. So you can search the web, find the best deals, and then in a few seconds be able to pay. None of that rubbish of like filling out all your card details and setting up your delivery address. It's going to save you so much time by being able to do all of your shopping through Chat GBT. And I actually have a few different predictions about how this is going to roll out next year. We're going to have just the basic version of it, like, hey, can you find me some running shoes under $100? It'll give you a couple options and you can say, buy that one and I'll be able to purchase it for you. Then maybe towards the middle of the year we'll be able to do much more advanced things like okay plan me the whole trip and then look into the availabilities of X Y and Z and then book this whole trip for me. And so towards the middle of the year we'll have these more advanced kind of shopping use cases that become possible. Then what I see as kind of the final stage of this is allowing Chachi to tap into not just the e-commerce and digital world but tap into the real world through being able to make phone calls for you. Now, if you've played around with building AI voice agents and whatnot, you'll know that we have the ability now to send an AI voice agent out to call a number. And so, if you ask your chatbt assistant and you say, "Hey, I need a plumber in my area to fix X. " It will be able to go out and find all of the plumbers in the areas around you. It's going to be able to send calls to them and negotiate and figure out what their prices are, if they can book it in at a time that you're available, and then you can let it go for like a few hours. It's going to call all these places, come back and give you the options and allow you to actually book and pay for that all within chatbt. So it's the final iteration of allowing chatbt to go shopping and negotiate and find rates for you would be if openi allows chatbt to actually make calls to businesses. There's a very interesting part in there where if you look at this trend, all businesses are going to need to have an AI voice agent themselves so that chatbt can call their voice agent so that they're not missing calls overnight or if there's multiple calls coming in from chatbt, it's able to handle multiple calls. So you can see how this all starts to fit together. So looking at the winners and losers path here, the winners are going to be those who learn to delegate more and more of their tasks to AI. They've got that central hub and now the agentic commerce is allowing you to give even more control. This giving chat and claw the ability to do even more of the boring, laborious work that you shouldn't be doing. Winners are going to be the ones who are able to save hours and hours every week that were wasted on comparison shopping and filling out forms and making phone calls. and they're ultimately going to save thousands of dollars a year because they'll be able to get the AI to search around the web and find the best deals for them as well. So basically, by fully leaning into these AI shopping features, you'll be able to get not only your time, but also your money back, and that's what the winners are going to be doing in 2026. As for the losers, they're going to be like those people who were too scared to shop online and put the car details online about like 10 years ago because they thought that it was going to get hacked or something. Sure, there were some hacks, but for the most part, everyone does it now. It's okay. And the AI shopping is going to be the same thing. The losers are going to be the ones that don't trust JBT or Claude to make these purchases for them. And ultimately, they're going to waste hundreds of hours every year, and they're going to probably spend even more money on stuff by not finding the best deals. So, in terms of action steps for this right now, it's not really much you can do. You could try to do a bit of Etsy shopping, but a lot of these features are coming next year according to OpenAI. You've got Shopify integrations, you've got Stripe Commerce integrations. All of this is going to come next year. So, I'm just saying be ready for it because there's a big shift in how you're going to do shopping. And if you lean into it, there's a ton of benefits so that you can be in that 1% of AI users next year. All right, guys. That is it. Those are my main predictions for 2026. The big shifts that are underway that are literally going to determine who's in that top 1% of AI users and is able to get the most out of it, build their dream life, get their time back, and basically spend more time doing what they really want to do, which is what myself and a lot of my friends and team are now able to do with their lives. So, I really, really, truly want the best for all you guys next year. If you're an AI business owner like myself or an aspiring AI business owner, I've actually just done a full video on my 11 predictions of what's going to happen with AI business next year, which I'll put up here. And if that shift number four made you at least a little bit curious about what it could mean to start your own AI business selling AI services like education and consulting to the hundreds of thousands of small businesses who are dying for your help right now, then you can find my school community in the first link in description and all of the resources are in there for you to start your own journey. But that is all for the video guys. Thank you so much for watching and I will see you in the next