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AI tools, from smart assistants to predictive algorithms, have transformed how people process information. The ease of accessing instant solutions has led to cognitive offloading, where individuals shift memory and problem-solving tasks to technology (Nosta, 2025). This phenomenon is not new—search engines have already altered how people retain information, a trend known as the "Google Effect" (Gong & Yang, 2024). However, AI’s increasing role in reasoning and analysis takes this a step further, allowing users to bypass the deep thinking that traditional problem-solving requires.
While cognitive offloading can be beneficial, freeing mental space for complex tasks, it also risks eroding critical thinking when overused. AI-generated content and decision-making tools can discourage independent analysis, making users passive consumers rather than active thinkers.
AI tools, from smart assistants to predictive algorithms, have transformed how people process information. The ease of accessing instant solutions has led to cognitive offloading, where individuals shift memory and problem-solving tasks to technology (Nosta, 2025). This phenomenon is not new—search engines have already altered how people retain information, a trend known as the "Google Effect" (Gong & Yang, 2024). However, AI’s increasing role in reasoning and analysis takes this a step further, allowing users to bypass the deep thinking that traditional problem-solving requires.
While cognitive offloading can be beneficial, freeing mental space for complex tasks, it also risks eroding critical thinking when overused. AI-generated content and decision-making tools can discourage independent analysis, making users passive consumers rather than active thinkers.
Mr. Durov launched Telegram in late 2013 with his brother, Nikolai, just months before he was pushed out of VK, the Russian social-media platform he founded. Mr. Durov pitched his new app—funded with the proceeds from the VK sale—less as a business than as a way for people to send messages while avoiding government surveillance and censorship.
Should You Buy Bitcoin?
In general, many financial experts support their clients’ desire to buy cryptocurrency, but they don’t recommend it unless clients express interest. “The biggest concern for us is if someone wants to invest in crypto and the investment they choose doesn’t do well, and then all of a sudden they can’t send their kids to college,” says Ian Harvey, a certified financial planner (CFP) in New York City. “Then it wasn’t worth the risk.” The speculative nature of cryptocurrency leads some planners to recommend it for clients’ “side” investments. “Some call it a Vegas account,” says Scott Hammel, a CFP in Dallas. “Let’s keep this away from our real long-term perspective, make sure it doesn’t become too large a portion of your portfolio.” In a very real sense, Bitcoin is like a single stock, and advisors wouldn’t recommend putting a sizable part of your portfolio into any one company. At most, planners suggest putting no more than 1% to 10% into Bitcoin if you’re passionate about it. “If it was one stock, you would never allocate any significant portion of your portfolio to it,” Hammel says.
