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01 / 05
Income Mobility, Regulations and Personal Choices

Blog Post | Economic Growth

Income Mobility, Regulations and Personal Choices

Fortunately, a great deal of what explains income mobility are choices that are largely within an individual's control.

Americans often move between different income brackets over the course of their lives. As covered in an earlier blog post, over 50 percent of Americans find themselves among the top 10 percent of income-earners for at least one year during their working lives, and over 11 percent of Americans will be counted among the top 1 percent of income-earners for at least one year.

Fortunately, a great deal of what explains this income mobility are choices that are largely within an individual’s control. While people tend to earn more in their “prime earning years” than in their youth or old age, other key factors that explain income differences are education level, marital status, and number of earners per household.  As HumanProgress.org Advisory Board member Mark Perry recently wrote:

The good news is that the key demographic factors that explain differences in household income are not fixed over our lifetimes and are largely under our control (e.g. staying in school and graduating, getting and staying married, etc.), which means that individuals and households are not destined to remain in a single income quintile forever.

According to the U.S. economist Thomas Sowell, whom Perry cites, “Most working Americans, who were initially in the bottom 20% of income-earners, rise out of that bottom 20%. More of them end up in the top 20% than remain in the bottom 20%.”

While people move between income groups over their lifetime, many worry that income inequality between different income groups is increasing. The growing income inequality is real, but its causes are more complex than the demagogues make them out to be.

Consider, for example, the effect of “power couples,” or people with high levels of education marrying one another and forming dual-earner households. In a free society, people can marry whoever they want, even if it does contribute to widening income disparities.

Or consider the effects of regressive government regulations on exacerbating income inequality. These include barriers to entry that protect incumbent businesses and stifle competition. To name one extreme example, Louisiana recently required a government-issued license to become a florist. Lifting more of these regressive regulations would aid income mobility and help to reduce income inequality, while also furthering economic growth.

Blog Post | Science & Education

AI in the Classroom Can Make Higher Education Much More Accessible

For some school subjects, artificial intelligence can transform the landscape of tutoring accessibility.

Summary: ChatGPT4 has demonstrated superiority in various student exams, revealing its potential to support academic learning and improve educational outcomes, particularly in test preparation. With its accessibility and affordability compared to traditional tutoring services, AI tutoring can help address the increasing demand for academic support, especially as universities begin to reinstate standardized testing requirements.


In 2023, OpenAI shook the foundation of the education system by releasing ChatGPT4. The previous model of ChatGPT had already disrupted classrooms K–12 and beyond by offering a free academic tool capable of writing essays and answering exam questions. Teachers struggled with the idea that widely accessible artificial intelligence (AI) technology could meet the demands of most traditional classroom work and academic skills. GPT3.5 was far from perfect, though, and lacked creativity, nuance, and reliability. However, reports showed that GPT4 could score better than 90 percent of participants on the bar exam, LSAT, SAT reading and writing and math, and several Advanced Placement (AP) exams. This showed a significant improvement from GPT3.5, which struggled to score as well as 50 percent of participants.

This marked a major shift in the role of AI, from it being an easy way out of busy work to a tool that could improve your chances of getting into college. The US Department of Education published a report noting several areas where AI could support teacher instruction and student learning. Among the top examples was intelligent tutoring systems. Early models of these systems showed that an AI tutor could not only recognize when a student was right or wrong in a mathematical problem but also identify the steps a student took and guide them through an explanation of the process.

The role of tutoring in education has grown in significance as more and more high school students have gone to college. Private tutoring is now a booming industry. Often you can find tutors charging anywhere up to $80 for test preparation with no shortage of eager parents willing to pay for their services. Tutoring has been a go-to solution for students to improve their grades outside the classroom. But more importantly, it has been a solution to improve their chances of getting into college, with many private tutoring services focusing on AP and SAT exams. This connection between college admission success and private tutoring costs has been a problem for parents who cannot afford the costs.

ChatGPT4 is available for $20 a month. Although the program itself can be used to answer questions and provide academic support, dedicated education websites have begun incorporating AI tutors to help with test prep. Khan Academy provides free courses on AP content and SAT exams and offers an AI-powered tutor for these subjects at $4 a month. Duolingo, a popular language learning app that offers university-recognized language exams, offers Duolingo Max at $14 a month. These tutoring services are accessible at your fingertips at any time. There is no need to schedule video conferencing calls, do background checks on tutors, or pay extra costs. Quality individualized academic support is available at a moment’s notice.

The availability of AI tutoring services is occurring at a crucial moment in education. As students become accustomed to post-pandemic life, student achievement across the nation still has not returned to where it once was. Despite that, many universities have begun reversing test-optional policies that had allowed students to avoid taking standardized tests such as the SAT. The demand for tutoring has skyrocketed as many new high school seniors struggle to meet the old standards of college admissions. Many school tutoring programs have not been able to provide the support students need, and private tutoring costs are only increasing.

AI has the potential to provide cheap and effective tutoring for these exams while being easily accessible. A Harvard computer science course has been able to incorporate ChatGPT to great success, using it to provide continuous and customized technical support and allowing professors to focus more on pedagogy. As technology improves, students will have more support for academic pursuits, opening an easier path to higher education but also allowing students to more easily explore academic interests beyond rigid classroom instruction.

Blog Post | Science & Technology

AI Is a Great Equalizer That Will Change the World

A positive revolution from AI is already unfolding in the global East and South.

Summary: Concerns over potential negative impacts of AI have dominated headlines, particularly regarding its threat to employment. However, a closer examination reveals AI’s immense potential to revolutionize equal and high quality access to necessities such as education and healthcare, particularly in regions with limited access to resources. From India’s agricultural advancements to Kenya’s educational support, AI initiatives are already transforming lives and addressing societal needs.


The latest technology panic is over artificial intelligence (AI). The media is focused on the negatives of AI, making many assumptions about how AI will doom us all. One concern is that AI tools will replace workers and cause mass unemployment. This is likely overblown—although some jobs will be lost to AI, if history is any guide, new jobs will be created. Furthermore, AI’s ability to replace skilled labor is also one of its greatest potential benefits.

Think of all the regions of the world where children lack access to education, where schoolteachers are scarce and opportunities for adult learning are scant.

Think of the preventable diseases that are untreated due to a lack of information, the dearth of health care providers, and how many lives could be improved and saved by overcoming these challenges.

In many ways, AI will be a revolutionary equalizer for poorer countries where education and health care have historically faced many challenges. In fact, a positive revolution from AI is already unfolding in the global East and South.

Improving Equality through Education and Health Care

In India, agricultural technology startup Saagu Baagu is already improving lives. This initiative allows farmers to increase crop yield through AI-based solutions. A chatbot provides farmers with the information they need to farm more effectively (e.g., through mapping the maturity stages of their crops and testing soil so that AI can make recommendations on which fertilizers to use depending on the type of soil). Saagu Baagu has been successful in the trial region and is now being expanded. This AI initiative is likely to revolutionize agriculture globally.

Combining large language models with speech-recognition software is helping Indian farmers in other ways. For example, Indian global impact initiative Karya is working on helping rural Indians, who speak many different languages, to overcome language barriers. Karya is collecting data on tuberculosis, which is a mostly curable and preventable disease that kills roughly 200,000 Indians every year. By collecting voice recordings of 10 different dialects of Kannada, an AI speech model is being trained to communicate with local people. Tuberculosis carries much stigma in India, so people are often reluctant to ask for help. AI will allow Indians to reduce the spread of the disease and give them access to reliable information.

In Kenya, where students are leading in AI use, the technology is aiding the spread of information by allowing pupils to ask a chatbot questions about their homework.

Throughout the world, there are many challenges pertaining to health care, including increasing costs and staff shortages. As developed economies now have rapidly growing elderly populations and shrinking workforces, the problem is set to worsen. In Japan, AI is helping with the aging population issue, where a shortage of care workers is remedied by using robots to patrol care homes to monitor patients and alert care workers when something is wrong. These bots use AI to detect abnormalities, assist in infection countermeasures by disinfecting commonly touched places, provide conversation, and carry people from wheelchairs to beds and bathing areas, which means less physical exertion and fewer injuries for staff members.

In Brazil, researchers used AI models capable of predicting HER2 subtype breast cancer in imaging scans of 311 women and the patients’ response to treatment. In addition, AI can also help make health resource allocations more efficient and support tasks such as preparing for public health crises, such as pandemics. At the individual level, the use of this technology in wearables, such as smartwatches, can encourage patient adherence to treatments, help prevent illnesses, and collect data more frequently.

Biometric data gathered from wearable devices could also be a game-changer. This technology can detect cancers early, monitor infectious diseases and general health issues, and give patients more agency over their health where access to health care is limited or expensive.

Education and health care in the West could also benefit from AI. In the United States, text synthesis machines could help to address the lack of teachers in K–12 education and the inaccessibility of health care for low-income people.

Predicting the Future

AI is already playing a role in helping humanity tackle natural disasters (e.g., by predicting how many earthquake aftershocks will strike and their strength). These models, which have been trained on large data sets of seismic events, have been found to estimate the number of aftershocks better than conventional (non-AI) models do.

Forecasting models can also help to predict other natural disasters like severe storms, floods, hurricanes, and wildfires. Machine learning uses algorithms to reduce the time required to make forecasts and increase model accuracy, which again is superior to the non-AI models that are used for this purpose. These improvements could have a massive impact on people in poor countries, who currently lack access to reliable forecasts and tend to be employed in agriculture, which is highly dependent on the weather.

A Case for Optimism

Much of the fear regarding AI in the West concerns the rapid speed at which it is being implemented, but for many countries, this speed is a boon.

Take the mobile phone. In 2000, only 4 percent of people in developing countries had access to mobile phones. By 2015, 94 percent of the population had such access, including in sub-Saharan Africa.

The benefits were enormous, as billions gained access to online banking, educational opportunities, and more reliable communication. One study found that almost 1 in 10 Kenyan families living in extreme poverty were able to lift their incomes above the poverty line by using the banking app M-Pesa. In rural Peru, household consumption rose by 11 percent with access to phones, while extreme poverty fell 5.4 percent. Some 24 percent of people in developing countries now use the mobile internet for educational purposes, compared with only 12 percent in the richest countries. In lower-income countries, access to mobile phones and apps is life-changing.

AI, which only requires access to a mobile phone to use, is likely to spread even faster in the countries that need the technology the most.

This is what we should be talking about: not a technology panic but a technology revolution for greater equality in well-being.

Blog Post | Education & Literacy

How to Combat Gloom and Pessimism

Given the inhospitable world we have evolved in, humans have learned to prioritize the bad news.

Summary: Optimism flourishes more in rapidly growing countries, fueled by the promise of improvements in living standards, a phenomenon less evident in relatively developed nations like the US. Human nature, predisposed to focus on negative news, collides with media outlets’ profit-driven emphasis on sensationalism, perpetuating a cycle of pessimism. Understanding our negativity bias and learning probabilistic reasoning skills can help navigate the deluge of alarming headlines, while seeking out sources of positive news can provide a more balanced perspective.


Surveys show that optimism is highest in rapidly growing countries that are catching up with the developed world. High growth rates allow the citizens of those nations to experience massive year-on-year increases in standards of living – something that, in the absence of an AI-led revolution in productivity, is unlikely to occur in already developed countries. Slow and steady progress, such as the one currently underway in the United States, does not seem sufficient to inspire widespread optimism about the future.

The problem of incrementalism is compounded by the interaction between human nature and the media. Given the inhospitable world we have evolved in, humans have learned to prioritize the bad news. Consequently, the media has embraced the “if it bleeds, it leads” business model. Worse still, growing competition between television, newspapers, and websites has significantly increased negative content over time. The inclusion of an additional negative word in a headline, for example, leads to 2.3 percent more clicks, according to a recent study.

Unfortunately, most people are unaware of our innate negativity bias. It may be helpful to include the understanding of basic human psychology in high-school curricula. While we may not be able to purge the negativity bias from our brains, understanding how and why we react to a ceaseless barrage of terrifying headlines in certain ways may help us gain a proper perspective on the world around us.

Another way to get around the apocalyptic headlines and focus on the largely positive trendlines is to develop a more sophisticated understanding of statistical probabilities. While evidence suggests that humans have an innate capacity for probabilistic reasoning, the formal application of Bayesian inference – which is to say, adjustment of our beliefs or guesses about something as we learn more information – is a learned skill. Infants and untrained adults show abilities that align with Bayesian principles on a basic level, indicating an intuitive understanding of probability and uncertainty. However, the precise and formal application of Bayesian reasoning requires education, especially in complex scenarios.

Finally, humans can choose what kind of information to consume. Knowing that traditional media does not offer a realistic picture of the world, people can sign up for services – such as the Human Progress weekly newsletter – that collate the positive happenings ignored by mainstream media outlets.