Artificial intelligence isn’t creeping into business—it’s erupting into it. In the conversation between Coach Carroll and Phillip Ngo, former State Farm top producer turned AI strategist, the two uncover a reality many business owners still refuse to acknowledge: AI adoption is happening faster than any technological shift in modern history. The internet took years to reach widespread use. Facebook needed four. ChatGPT hit hundreds of millions of users in under two years—and the technology powering it evolves daily. The simplicity of AI interfaces (“just a chat window,” as Carroll says) makes it accessible even to the least tech-savvy user, which means innovation is no longer reserved for early adopters. It’s everywhere, and it’s accelerating. Businesses that wait, hesitate, or assume this is “just another trend” are setting themselves up for extinction long before 2026 ever arrives.

The Cost of Hesitation: AI Isn’t Optional Anymore

Ngo shares stories from the field—agents in their 60s using AI to connect with their grandchildren or make daily decisions, while corporate executives still dismiss AI as a “convenience tool.” That mindset is more than outdated… it’s dangerous. AI isn’t just trimming tasks; it’s transforming entire business models. It’s helping agents automate communication, streamline operations, and unlock productivity levels that were impossible even five years ago. As Ngo explains, he’s seen AI directly increase revenue, eliminate burnout, and create the financial freedom to escape the golden handcuffs of traditional agency work.

Meanwhile, the job market is already shifting under our feet. Major companies are laying off thousands—not because of poor performance, but because AI makes many positions unnecessary. Entry-level roles are disappearing. Compliance-heavy industries are being restructured. And while many business owners cling to old processes, the world around them is modernizing at a pace they can barely comprehend. If you’re not actively integrating AI into your business now, you’re essentially choosing to fall behind—because the companies embracing it are moving too fast to compete with manually run operations.

Adapt or Be Replaced: AI Rewards Clarity and Punishes Comfort

One of the most powerful concepts Ngo introduces is the idea of identifying your “cosmic profession”—the unique work only you can do that no AI, no automation, and no employee can replicate. AI isn’t here to make humans obsolete; it’s here to expose who’s been doing work that doesn’t require human uniqueness. Those who cling to comfort, routine, and outdated systems will watch automation sweep the floor beneath them.

But those who pair AI with clarity of purpose will rise. Ngo’s own journey—from burnout to breakthrough, from running a top agency to leading AI Mastermind—highlights this transformation. He explains how AI can free human beings to do meaningful work, deepen creativity, and reclaim the joy that constant hustle culture has taken from us. Still, this requires action. It requires experimentation. It requires embracing AI not as a shortcut, but as a multiplier. The businesses that thrive in 2026 won’t be the ones who used AI casually—they’ll be the ones who rebuilt their workflows around it. Ignoring AI today doesn’t just slow you down. It puts an expiration date on your business