Do we still need to save money in the AI era? See how Silicon Valley giants and Wall Street legends converse

【CryptoWorld】The U.S. President introduced a new Child Investment Account mechanism in the “Work and Family Tax Relief Act” launched in 2025. This policy aims to provide a long-term wealth accumulation channel for American children and has recently sparked interesting debates in the business community.

Bridgewater founder Ray Dalio joined this wave of philanthropy, announcing a $250 matching donation per child in Connecticut. Prior to him, Michael and his wife had already donated $250 for each child under 10 through this new account system. These actions by industry giants seem to be paving the way for the next generation, but Elon Musk offered a different perspective.

In response to these donation initiatives, Musk acknowledged that they are certainly well-intentioned but raised a bigger question: if future AI and robotics become sufficiently advanced and humans no longer need to work, is it still necessary to save money for children? This tech visionary has been advocating the concept of “Universal High Income”—believing that artificial intelligence will fundamentally change economic models, making traditional savings and investments irrelevant.

The clash of two mindsets is quite fascinating: on one side, Wall Street elites carefully designing wealth growth tools for children; on the other, Silicon Valley leaders depicting a post-AI era—where money itself may no longer be the main concern. This dialogue perhaps reflects not just policy disagreements but also a fundamental difference in imagination about the future economic structure of humanity.