Your dollars are lazy

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That line stopped me cold this week. Most of us treat money like something to guard, and the whole time it just sits there doing nothing.

I came across a breakdown from Dan Martell, an angel investor who has backed dozens of companies and been voted number one in Canada. He walks through the exact way he now uses AI to find deals, stress-test them, and monitor everything he owns. I got hooked because it is not the "ask a chatbot what to buy" nonsense you would expect. It is a system, and the reframe underneath it is what I keep thinking about.

His core belief: wealth preservation is building a wall around your money, and that wall also blocks new money from coming in. He calls dollars "little soldiers" that should be out on the battlefield working for you. The goal is getting your money working hard enough that you do not have to.

AI enters as the tool that finds where to send those soldiers. Not the obvious plays like "buy Nvidia," but the second and third-degree opportunities nobody is talking about yet. That is the whole edge, and it changes what you even ask the AI to do.

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Find the deals other people miss

The method is to hunt for winners hiding one or two steps behind the headline trend. Ask AI about the AI industry and a lazy answer says Nvidia. A better answer points you to the energy demand behind all that compute, and the electricians who have to install the new power infrastructure. Those are the plays with room left in them.

He runs two prompts back to back. First the map:

Then the filter:

There is a research-paper version too. He has AI pull the top seven papers on where the world is heading, find the common threads, and match them against what he is already building. That overlap is how he picks companies.

Red team it before you fund it

This is my favorite part. Before putting in a single dollar, he has AI try to destroy the idea. Red teaming means you deliberately attack your own thesis. The logic: if you know everything that can go wrong, you can plan around it and lower your odds of losing money. Most people skip this step, and that is exactly how good-looking deals turn into losses.

The prompt is blunt:

Then you go down the list and ask if you have a confident answer for each one. If you cannot, you pass.

He tells a story about a personal finance AI tool he almost backed. The AI flagged that the big AI labs would probably launch something in that exact space and crush him. He says that catch may have saved him millions. His tip: run the same prompt through two or three different models, because each one catches things the others miss.

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Let AI watch everything

Once a deal passes, he has AI build a live dashboard for it. Real estate, vehicles, stocks, company valuations, all in one place with red, yellow, and green signals, little sparklines, and alerts when something moves more than 10 percent. He quotes Peter Drucker: what gets measured gets managed.

To set it up, list every asset you own, then prompt:

Tell it your actual goals so it can guide you, then pick one day a week to review. If you are on Claude, ask it to build an interactive artifact right in the chat so the whole thing is easy to see at a glance.

The one rule that protects all of it

Here is the warning he saves for last: stick with what you know. AI can do a lot, but it cannot replace your unfair information advantage. He tells a painful story about buying a batch of $8,000 homes in Detroit 15 years ago, only to find them full of problems and basically worthless. The lesson was that he invested in something he did not actually understand.

So he runs every idea through three filters:

1. Do I know this space and have an edge? If not, pass.

2. Will I actually pay attention to it? He would rather do fewer, bigger deals than a pile of tiny ones he will forget.

3. Will it still be true in 10 years? He wants bets aligned with where the world is going.

His line stuck with me: the next decade will not reward the best stock pickers, it will reward the system builders who work with AI to track, test, and stay focused on their money.

The move I'd copy first

I am not an angel investor, and you might not be either. But the shape of this system works on almost any decision where you are putting real resources into an uncertain bet: a hire, a product, a big purchase, a new market.

The one piece I would steal tonight is the red team prompt. Pick a decision you are leaning toward, paste it into two different models, and ask each one for the 10 brutal reasons it fails. Read both lists. If you still have a confident answer for every line, move. If you do not, you just found out cheaply, before it cost you anything.

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