Every life stage has work to do and a distance that can be calculated.

A Calculator and a Researcher, Not a Decider

Delegate bounded research and simulation; verify assumptions and own the consequences.

Distress→Need→Delegation tests→Desire→Gap→Path

1Distress · What Would They Say

I want to change careers and I cannot spend forty hours researching it.

My blood test has thirty numbers and I understand three of them.

The retirement projection depends on assumptions nobody shows me.

Everyone asks me for advice and I have nobody to ask.

2Real Need · How to Verify

Bounded research and simulation can be handed over. The choice, and the decade it commits you to, cannot. The boundary is not the difficulty of the task — it is who absorbs the loss if the model is wrong.

Verification signals (two or more and the need is real):
　· Every assumption in the projection is printed, not hidden
　· You can re-run the same simulation with your own numbers
　· A clinician, lawyer or fee-only planner confirms the interpretation

3Principle · What Is Actually Happening

Verification cost + principal–agent cost + irreversibility

Models are cheap to build and expensive to trust. A ten-year projection is delegable only if every assumption is visible and you can change one number and re-run it yourself. If the assumptions are buried, the output is rhetoric with a number attached.

Principal–agent cost is sharpest in health: the agent reads your indicators, the clinician interprets them. Letting the first do the second is a transfer of accountability nobody agreed to.

4Three Tests · Before You Hand Anything Over

Basis taken from the cell framework. All three must pass; a failed test is a stop, not a warning.

Can I hand <collecting and summarizing information about a career change> to an agent?

Basis: Verification cost economics

You can name at least 3 independent sources the agent must cite for each claim.
You can spot-check 10% of the agent's claims against the original source in under 30 minutes.
The output is a list of options with trade-offs, not a single recommendation.

If any fails, do the search yourself and use the agent only to format your notes.

Can I hand <tracking and flagging my health checkup indicators> to an agent?

Basis: Principal-agent cost

Every flag includes the exact numeric value, the reference range, and the date of the test.
You review the agent's flags against the lab report once per quarter, within 7 days of the test.
The agent never suggests a diagnosis or treatment; it only flags out-of-range values.

If any fails, keep a manual spreadsheet and ask a clinician to interpret changes.

Can I hand <running family financial simulations> to an agent?

Basis: Real options / irreversibility

The simulation is reversible: no money moves, no accounts are opened, no contracts are signed.
You can reproduce the agent's result by changing one input at a time and seeing the output change in the expected direction.
The agent states all assumptions (inflation rate, return rate, time horizon) explicitly in the output.

If any fails, use a simple spreadsheet you built yourself and verify with a fee-only planner.

5Desire · What Does It Look Like

A career comparison with sources, not vibes

Health numbers I can bring to an appointment

A projection whose assumptions I can argue with

6Gap · How to Judge

What to look at

Research hours saved · assumptions listed per model · decisions reviewed with a professional

How to judge

Can you change one assumption and re-run the result yourself?

Healthy state

Every model assumptions-visible · one professional review per major decision · no self-diagnosis

7Gap · Divided into Three Levels

MildLiterature and tables → automate

ModerateScenario simulations → automate, verify assumptions

SevereTreatment or investment decided from output → stop

8Common Misconceptions · Wrong Paths

Treat a projection as a forecast —— the output is arithmetic; the assumptions are the claim

Let the agent interpret your blood test —— it can flag a number, not diagnose a person

Change career because a comparison scored it highest —— the weights were chosen by someone you never met

Skip the professional because the report looked complete —— a complete-looking report is the cheapest kind to generate

9The Right Path

Write the decision and the loss you could absorb

Ask for research and simulation with assumptions printed

Change one assumption yourself and re-run the logic

Take the output to a clinician or fee-only planner for interpretation

Decide, then own the consequence — that part is not delegable

This page does not ask for medical records or financial statements. It discusses where research ends and responsibility begins.

Theoretical basis: Verification cost economics · Principal–agent cost · Real options / irreversibility
Limitations: this is a judgement framework, not financial, medical or legal advice. Where a licensed professional is required, the agent can prepare and cannot decide.

AI Agents line · 40-49 · one of 100 cells