They never expected to feel stuck in their dream home.

When two dear friends of mine (let’s call them Joe and Jane) bought their two-bedroom starter house in late 2020, it felt like the beginning of a promising chapter. Interest rates hovered just below 4 percent, their mortgage felt manageable, and with a baby on the way, they believed they were laying down roots. By the start of 2025, the picture had changed. Two children, hybrid jobs pulling them in opposite directions, and no third bedroom in sight. They’d outgrown the house. What they hadn’t outgrown was their 3.5 percent mortgage.

When I walked into the TechEx AI & Big Data Expo in Santa Clara last week, I didn’t expect clarity. I expected noise: buzzwords ricocheting off LED screens, startups pitching productivity miracles, enterprise executives nodding sagely to sales demos. And all of that was definitely there. But what stayed with me wasn’t the flash. It was a quieter insight: most professionals aren’t worried that AI will replace them. They’re worried they’re already being measured against it.

In the fall of 2008, I was a high school student. By all outward appearances, life should have felt simple: class schedules, teenage distractions, college brochures arriving in the mail. But I remember a different sensation. A slow, quiet panic crept into conversations at the dinner table. Classmates who used to brag about new video games or summer plans began whispering about their parents losing jobs. Distant cousins moved back in with grandparents. And even in my young, largely insulated world, I could feel the walls of certainty shaking.