We’re living in an era where AI can create anything—articles, music, films, financial tools. The quality of these AI-generated products is already shockingly good and will only improve. In theory, we should be entering a golden age of accessibility and efficiency.
But here’s the problem: great doesn’t always mean valuable.
A tool, a product, a piece of content can be flawlessly executed and yet completely forgettable. That’s my biggest fear—creating something that, the moment it launches, is already generic, outdated, or indistinguishable from everything else. A tool that works but has no soul.
This realization made me step back and ask: what actually makes something valuable? And the answer was simpler than I expected.
Originality Isn’t in the Code—It’s in the Creator
Your thoughts, your beliefs, and your experiences—that’s what makes something valuable.
When you create from a place of authentic taste—from your specific knowledge and perspective—you refuse to let AI, trends, or the pressure to conform strip your work of meaning.
For me, that area is mortgage readiness. It’s a deeply frustrating industry full of vague advice, gatekeeping, and professionals who profit off your lack of knowledge. AI could generate a thousand generic financial literacy apps, but what it can’t do is see the system through my eyes—as someone who has dealt with brokers, lenders, and real estate agents who aren’t always honest about what it actually takes to get approved.
That’s why I don’t fear someone copying my idea. They might be able to replicate the concept, but they can’t replicate my perspective.
The Mortgage Readiness Tool: A Wildly Smart (or Wildly Stupid) Idea
So here’s my idea: a mortgage readiness tool that educates people in five minutes a day—before they ever speak to a broker.
Simple, right? But also disruptive. Because imagine if people didn’t have to rely on vague advice from brokers and realtors who have a financial stake in keeping them uninformed. Imagine if mortgage readiness became something completely independent from the industry itself.
That’s the part that makes this both exciting and terrifying.
Because the people who make the most money in real estate and lending have a significant stake in controlling the narrative.
The less you know, the easier it is to sell you a bad loan.
The less you understand your financial options, the more you rely on “trusted experts” who profit from your confusion.
And if this tool works the way I want it to, it forces them to meet us where we are—to be clearer, more transparent, and more honest about what it actually takes to qualify for a mortgage.
The AI Factor: Will This Be Another Generic Tool?
That brings me back to AI.
Right now, it’s easy to mass-produce financial literacy tools, mortgage calculators, and budgeting apps. There are already thousands of AI-powered tools that claim to help people get “mortgage ready.”
But what are they missing?
Real-life experiences. Most tools don’t factor in what actually happens when you apply for a mortgage in today’s market. They give textbook answers, but textbooks don’t prepare you for predatory lending practices, hidden fees, or the psychological side of homebuying.
A true independent perspective. Many mortgage readiness tools are built by lenders. They exist to funnel you into their loan programs. My tool? I want it to be free from industry bias.
A focus on daily progress. No one wakes up one day and suddenly understands mortgages. My approach is to break it down into small, actionable lessons—five minutes a day—so you actually build knowledge before you need it.
And the best part? AI can help me do this, but it can’t replace the core idea.
Final Thoughts: Fearless Creation in an AI World
So, am I worried that AI will replace originality? Not really. Because originality doesn’t come from the tool—it comes from the creator.
And as someone who was never the “popular kid” in school, I already know this idea will either be wildly successful or wildly stupid.
Either way, I’m building it.
And if it works, it just might force an entire industry to rethink how they treat first-time homebuyers.