Artificial intelligence is already changing the way some people work, but it’s not yet poised to replace the work that humans do, according to a new report from Indeed.

No workplace skills out of more than 2,800 identified by Indeed Hiring Lab were “very likely” to be replaced by generative AI, the report, published on Sept. 25, found. 

A 68.7% majority of skills were “very unlikely” or “unlikely” to be replaced by AI, while 28.5% of skills may “potentially” be replaceable. Indeed’s report examined soft skills like communication, leadership and organization, more technical skills including specific coding languages, and hands-on skills such as cooking and administering medication.

“We were able to take all these skills, map them to over a million job postings that we had over the last year or so, and then evaluate: Could gen AI replace a human being in performing this particular job function?” says Svenja Gudell, Indeed’s chief economist. “When we did that, the result was actually quite striking because we found that there were really no skills — literally zero — that were very likely to be replaceable.”

Indeed used GPT-4o, OpenAI’s latest multimodal generative AI model, to evaluate its own ability to perform work skills across three areas: provide theoretical knowledge related to skills, use those skills to solve problems and execute those skills either physically or digitally. 

The model then used that assessment to rate the likelihood of whether generative AI could replace a person to carry out a given skill.

The research indicates that AI is only suited, for now, to serve a support role for workers: While AI has relatively high technical competency, without stronger problem-solving capability and hands-on functionality, it can’t compete with human labor.

“Our takeaway was that gen AI, in its current form at least — now that’s a pretty important caveat — would be a very advanced digital assistant, and it could certainly make us more productive in some settings,” Gudell says. “But it’s not replacing the human quite yet.”

Indeed’s researchers considered 16 occupations in their study and highlighted five jobs that involve the greatest share of skills that have the potential to be replaced by AI. Those lines of work are:

1. Accounting professionals
2. Marketing and advertising specialists
3. Software developers
4. Health care administrative support staff
5. Insurance claims and inspection officers

The technical and often repetitive nature of the skills needed for those roles play into AI’s strengths, says Gudell, in addition to the fact that those professions tend to require less physical interaction. 

On the other hand, occupations that demand client or customer exchange, physical presence or less repetitive problem-solving are the least likely to be replaceable, she adds, citing patient-facing health care work such as nursing as examples.

Still, workers shouldn’t shy away from certain career paths that are more susceptible to being replaced by AI, according to Gudell. Instead, she explains, people interested in software development, for instance, should learn to use AI tools to increase their productivity and boost their competitiveness in the job market.

“It’s really all about using these tools to your maximum advantage when you’re searching for a job,” Gudell says.

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When Todd Graves and Craig Silvey came up with the idea for a restaurant in southern Louisiana that only sold chicken fingers, they probably didn’t expect to get the lowest grade in a startup-pitching assignment for Silvey’s LSU undergraduate business class — or to get rejected for bank loans when they tried to make it a reality.

Yet the concept, which eventually became Raising Cane’s Chicken Fingers, propelled Graves to his debut Tuesday on the Forbes 400, a ranking of America’s richest people. He’s reportedly the country’s 107th-richest person, with an estimated net worth of $9.5 billion, largely driven by his ownership stake in Raising Cane’s.

“If people tell you something can’t be done, it makes you strive so much more to do it,” Graves, now 52 and the company’s co-CEO, told students at Nicholls State University in 2009.

To raise enough money to open the fast-food chain’s first location in 1996, Graves moved to California from Baton Rouge, Louisiana, to work 90-hour weeks in an oil refinery — and, later, fish for salmon in Alaska — according to the company’s website.

He spent between $40,000 and $50,000 of his own money, plus roughly $100,000 from friends, family and a Small Business Administration loan, to get his restaurant off the ground, he told the “Trading Secrets” podcast in May.

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Today, Raising Cane’s — named after Graves’ yellow lab Raising Cane — has more than 800 locations internationally and brought in $3.7 billion in net sales last year, a company spokesperson tells CNBC Make It. Graves owns more than 90 percent of the company, and has no plans to take it public or sell his stake to private investors, he said.

“I want my kids in the business to be able to carry our values on after their mom and I are gone,” said Graves. “They can turn this into a worldwide business and continue to grow.”

When Graves and Silvey — who left the business in 1999 — opened their first location in Baton Rouge, Graves had zero business management skills, he said. He worked seven days per week at the restaurant, from opening at 8 a.m. to closing at 3:30 am the next morning, he added.

As the company grew, Graves figured out how to recruit employees and develop leaders on the fly, he said: “I was building a plane while I was flying it.”

Most entrepreneurs finance their businesses with a mix of debt and equity. Graves relied almost exclusively on loans when starting out, he told the “How I Built This” podcast in 2022. He’d offer private investors a 15% interest rate on a loan, which he’d then use to secure additional funding from community banks that treated the debt as equity, he said.

In retrospect, the approach was “stupid,” and nearly cost him the business when Hurricane Katrina hit Louisiana in 2005 — shutting down 21 of his 28 storefronts in the Baton Rouge area — but it allowed him to maintain his ownership stake while growing his company, he said.

“Debt to equity, you should have proper balances in your business, and that helps you get through tough times like a major hurricane — but I levered everything,” said Graves, who credited his business’ survival to reopening as much as he could quickly after Katrina passed. “Luckily I lived through that, but that’s when I really learned to balance risk.”

The company — which turned 28 this year and is on its third real-life yellow lab mascot, Raising Cane III — had its first billion-dollar quarter in sales earlier this year and is on track to finish 2024 with nearly $5 billion in sales, says the Raising Cane’s spokesperson.

Contrary to the company’s hard-charging early expansion, Graves now preaches the value of not rushing into opportunities or growing too quickly at his brand’s expense, he told “Trading Secrets.”

“The vision of Raising Cane’s is to someday have locations all over the world, and be the brand for crave-able chicken finger meals, great crew, cool culture and active community involvement,” Graves said. “You have to stay disciplined, because if you are successful, opportunities are crazy, and you can grow it towards something not special at all.”

His outlook echoes advice from other successful entrepreneurs. Kind Snacks founder Daniel Lubetzky and Vuori CEO Joe Kudla advocate for taking a step back to self-reflect before big decisions, and Rocket Lab CEO Peter Beck says he takes his time to analyze any potential opportunity.

“Sometimes, you can take big risks. Sometimes, you need to be very safe and methodical about how to back out of situation,” Beck told Make It last year. “Control the things you can control and acknowledge the things you can’t control.”

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What lengths would you go to for your dream house?

Would you move to another country? How about remodeling the interior of a space that was never meant to be a home at all?

For the Americans who invited CNBC Make It into their homes for an Unlocked tour, thinking outside the box helped them turn unexpected spaces like abandoned lighthouses, old baseball stadiums and decrepit Italian properties into the homes of their dreams.

Take a look inside some of the most unique homes we’ve toured and learn how they came to be.

When Michael Cox first told people about his plan to convert a former Indianapolis baseball stadium into a 138-unit apartment complex, they thought he was crazy.

But after a $14 million renovation and remodeling, Stadium Lofts is now one of the most unique apartment complexes in the city.

The former stadium, which was home to the Indianapolis Indians from 1931 to 1996 before eventually falling into disrepair, was in danger of being torn down before Cox’s plan was put into effect.

Along with business partner John Watson and his two sons, Cox acquired the landmark property for just $1.

The stadium’s renovation began in August 2011 and was completed in a little under two years. By the time it opened in July 2013, all 138 apartments had been leased.

It was converted into 95 one-bedroom apartments, 26 two-bedroom apartments, and 17 lofts. Rent in the complex ranges from $900 to $1,700 and each apartment has a washer and dryer.

The developers made sure to keep certain features in honor of the ballpark’s past, including the original scoreboard, old ticket booths and press box. They even put bases back on the field.

“We designed it such that when you walked in, you felt like you were walking into a historic stadium rather than an apartment building,” Watson said.

Jesse Wig never set out to remodel an abandoned school, but when he was approached with an off-market deal to buy the property in 2019 he was intrigued by the space’s potential.

After enlisting real estate investor Adam Colucci and developer Dan Spanovich, the trio bought the abandoned Bowtie High for $100,000. They embarked on an 18-month renovation beginning in 2020 to turn it into an apartment building.

The $3.3 million renovation’s price tag was more than they ever expected to pay, but once leasing began they reached full occupancy within six months.

Monthly rent for one-bedrooms in the building starts at $1,400, while two-bedrooms start at $1,600.

Some units that used to be classrooms have the original chalkboards and an enviable amount of natural light, thanks to massive windows throughout the space.

Apartments are also equipped with stainless steel appliances, in-unit washers and dryers, and walk-in closets.

After Bowtie High, the team decided to buy and renovate the abandoned school across the street, turning it into a 33-unit apartment building with amenities like a rooftop deck, indoor parking and lounge.

When test pilot Joe Sobczak was looking for a new home, he wasn’t worried about square footage or backyard space. Instead, he wanted a property where he could keep his plane.

In 2017, he found what he was looking for at a residential airpark at the Pine Mountain Lake Airport and bought his 3-bedroom, 7-bathroom, 5,000-square-foot home with a 3,600-square-foot hangar for $698,000.

The community where he lives has dozens of homes with hangars, each with their own deeded access to uses the taxiways and runways at the Tuolumne County airport.

As a test pilot, Sobczak works primarily out of the San Francisco International Airport (SFO). Instead of doing the three-hour drive, he jumps in one of his airplanes and takes a 45-minute flight to nearby San Carlos Airport and drives 15 minutes to SFO.

Although Sobczak owns three homes, he calls this one his favorite. The former U.S. Air Force fighter jet pilot is an expert at the rural lifestyle and has no plans to leave anytime soon. 

“I plan on being here for quite a while,” he says. “I can live up here. Fly airplanes. Stay out of the congestion of the Bay Area. Breathe the fresh air and take a trip to Yosemite in 30 minutes. It’s all the justification I need.”

In 2009, Sheila Consaul’s search for a second home took an unexpected turn. Though the 65-year-old communications consultant was originally looking for a normal house, when she learned that the U.S. government was auctioning off lighthouses she was immediately interested.

Congress passed the National Historic Lighthouse Preservation Act in 2000. It allows the government to auction or give away “federally-owned historic light stations that have been declared excess to the needs of the responsible agency.”

Consaul had previously restored a historic home and was intrigued by the challenges that renovating a lighthouse would pose.

Built in 1925, the three-story lighthouse has three bedrooms, three bathrooms and is almost 3,000 square feet. Consaul is the first person to live in the lighthouse since it was abandoned in the late 1940s.

She lives in the lighthouse from May to October and it sits empty when she’s at her primary home outside of Washington D.C.

Consaul started renovating in the summer of 2012, and over 10 years later, the project is almost done. “The renovation process has been long and arduous,” she said.

The property is a half mile from the nearest parking lot in Headlands Beach State Park, so big appliances like the stove and refrigerator needed to be transported by boat and then delivered by crane onto the platform of the lighthouse.

Despite going over her initial $200,000 renovation budget, for Consaul the time and effort has been worth it. “This was a great challenge, a great opportunity, and I loved every minute of it,” she said.

Rubia Daniels was thrilled at the chance to purchase a building in Sicility for the low price of 1 euro. The only catch? The property had extensive mold, water damage, a termite infestation and a collapsed roof.

The deal was part of an Italian initiative to attract foreign investors in towns with dwindling populations. In exchange for the symbolic price tag, homebuyers are expected to renovate their homes within three years.

Daniels told Make It that she didn’t just see endless amounts of work in front of her when she looked at the three run down buildings she purchased. Instead, she visualized the final result of a trio of dream projects: a vacation home, a restaurant and a wellness center.

Daniels is building the house of her dreams, “which I wouldn’t be able to do back in California because the cost would be much higher,” she said. Daniels plans to visit her Italian home for vacations and split her time between California and Sicily in retirement. 

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Jayde Powell started her social media career over a decade ago, working for wellness brands and big name companies like Delta Airlines. She never imagined she’d make money creating content as herself — especially not on LinkedIn.

Powell started posting observations from her experience in corporate America on the job search-platform after she noticed other creators were shifting away X.com, formerly known as Twitter, at the end of 2022. Within a year, the posts started gaining traction and catching the attention of past clients.

When the social media management platform Sprout Social, offered $1,000 for Powell to write a sponsored post promoting their upcoming event on her personal LinkedIn page, she says, it was a light-bulb moment. Powell — whose day job is running her Atlanta-based social media strategy agency, The Em Dash Co. — realized she could leverage the skills she used to write for corporate companies on her own accounts.

The epiphany has helped her grow her career and earn money in unexpected ways. This year, she has made $27,000 posting content as Jayde I. Powell on LinkedIn, according to documents reviewed by CNBC Make It.

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As a solo business owner, that cash has come in handy. The money she earns from LinkedIn helps her pay her mortgage and utilities bills, and offset monthly business expenses, while she grows her own company, she says. Powell has made $32,700 through The Em Dash Co. and another $2,750 from other social media content so far this year.

The combined income hasn’t yet surpassed her $95,000 annual salary from her last full-time job at wellness beverage company Sunwink, she says — but it outpaces the $52,100 she earned solely from The Em Dash Co. last year. It’s also slightly higher than the median annual salary for social media managers in the U.S. ($60,000 a year, according to job recruiting site Glassdoor).

“Having brand partnerships [on LinkedIn] has really saved me and allowed me to pay my bills,” Powell, 31, tells CNBC Make It. “There have been times where I haven’t been able to pull in new client work [at the Em Dash Co.].”

Here’s how Powell developed her voice on social media and leveraged it into a lucrative LinkedIn side hustle.

Before Powell built her audience of more than 19,000 followers on LinkedIn, her specialty was making content for X.com, she says.

Her posts, which often reflected her personal experiences at work and prompted conversations among other users, regularly attracted hundreds of thousands of likes and reposts.

Looking for more flexibility than traditional corporate jobs offered, Powell started freelancing full-time and launched The Em Dash Co. in October 2022.

Her secret to going viral revolved around mastering one skill, Powell says: marrying corporate content with a conversational tone.

The key is injecting enough personality to make people feel like they’re talking to a real person. “Consumers are more savvy than ever; they know when they’re being marketed to,” Powell says. “It feels inauthentic when brands are like, ‘Buy this product,’ over and over again. The messaging becomes boring.”

That’s a big reason why “influencer marketing is very hot right now,” she adds.

Advertisers are on pace to spend more than $8.1 billion on influencer marketing this year, a 16% increase from 2023, according to estimates from eMarketer.

“People trust people, not brands,” Powell says. “Creators provide a level of personality, comfort and familiarity that brands just cannot accomplish.”

More than two-thirds of U.S. consumers say they are more likely to trust the recommendation of an influencer, friend or family member than they are to be swayed by content coming directly from a brand, according to a 2023 survey from PR firm Matter Communications.

Powell has worked to translate her personal voice from X to LinkedIn, where the tone remains “unserious,” she says. She tweaks her content to fit trends and issues young professionals experience.

After her first LinkedIn post for Sprout Social, Powell began seeking out clients for her personal page. She did it the same way she found corporate clients for The Em Dash Co.: She made a list of the tools she used as an influencer — like Teachable, where she hosts a webinar series — and slid into the platforms’ DMs, she says.

Businesses know their customers want to hear from real people, Powell says. That’s why she believes the income from her LinkedIn side hustle could soon outpace her solo agency.

At the same time, Powell — who now works about 25 hours per week for The Em Dash Co. and 10 hours per week on LinkedIn — says that running a business and a side hustle by herself has pros and cons.

“The traditional 9-to-5, 40 hours-a-week model is a bit much for me,” Powell says. “I like having more flexibility and the freedom to adapt my schedule … but it can be scary in those moments where you’re like, ‘When is my next paycheck coming? When is my next invoice going to process?’”

Still, after her unexpected success promoting brands as herself on LinkedIn, Powell is strongly considering shifting her focus to her personal content.

Her next goal: hit 100,000 followers on the platform by the end of 2025.

“I’ve just really been taking this platform so seriously, so I kind of want to see the fruits of my labor in that way,” Powell says. “I would also love to get to a place eventually where I can do this full time, [and] be a LinkedIn influencer.”

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No matter how you plan to retire, you likely have something you’re looking forward to, from more time watching your grandkid’s soccer games to dockside piña coladas.

But living in retirement comes with some concerns, too.

Among current retirees, 31% say declining health or illness is their biggest worry, according to CNBC’s August 2024 Your Money retirement survey conducted with SurveyMonkey — the most common response. Dealing with health-care costs was the second-most prevalent concern, at 16%, with another 14% saying they fear running out of money.

For millions of Americans, those worries tend to converge in troubling ways. Consider Morningstar’s recently updated model of U.S. retirement outcomes. After factoring in spending, investing and life expectancy data, among a litany of other factors, researchers forecast that 45% of U.S. households will run short on money in retirement.

While certain behaviors, such as investing over a long period in a workplace retirement account, drastically boost your odds of fully funding your retirement, researchers say, one factor nearly always has the opposite effect.

“Long-term services and supports are a major driver of shortfalls,” says Spencer Look, associate director of retirement studies at Morningstar Retirement. “They can be really catastrophic if you’re in there for more than a couple years. And even then, for some people with less savings, even one year could be a really, really big burden that can be hard to handle.”

Expenses tend to decline throughout retirement, Look says, with the exception of those who need long-term care, which can include part-time aides, live-in nurses, assisted living facilities or full-time nursing homes. For people who need that type of care, either due to physical or cognitive decline, expenses tend to spike — a pattern of spending known as the retirement “smile.”

While this convention won’t prove true for everyone, it’s worth reckoning with how you plan to cover the costs should you need some form of long-term care, says Christine Benz, director of financial planning and retirement and Morningstar and the author of “How To Retire.”

“Long-term care costs are completely outside of our health-care system. They’re not covered by Medicare. So people see them as a huge risk factor — the thought that they might have these catastrophic expenses late in life,” she says. “And I do think it’s helpful in terms of allaying that anxiety to get some kind of a plan.”

How much you might end up paying for long-term care will vary depending on where you live and the type of care you need. But no matter which way you slice it, it’s likely to be pricey.

An annual stay in an assisted living facility comes with a median price tag of $64,200, according to Genworth’s 2023 Cost of Care Survey. The median annual cost for a home health aide is $75,504, and a private room in a nursing home will run you $116,800.

To plan for such costs, you’ll have to figure out which of three categories you fall into in terms of how you’ll pay, Benz says.

1. Family care or Medicaid

The majority of Americans who need long-term care either rely on family members, such as adult children, to pay for it, or have it covered by Medicaid. Of the nearly $600 billion in Medicaid spending in 2020, more than 30% went to long-term care expenses, according to the Centers for Medicare and Medicaid Services.

Medicaid is a needs-based health-care program, and eligibility requirements to receive long-term care under the program vary from state to state. For 2024, these often include an income limit of $2,829 per month and an asset limit of $2,000, excluding your primary home, according to the American Council on Aging.

For some Americans who would otherwise fail to qualify, it’s possible to manage your assets in order to be eligible for care when you may need it. But that’s “not an ideal situation,” says Benz. You may not be able to choose where you receive your care. And for some couples, it may mean impoverishing a well spouse in order for the ailing spouse to qualify.

2. Paying with savings

On the other end of the spectrum, some retirees are wealthy enough to set aside significant cash that they earmark for long-term care.

“This would be for people with larger portfolios,” says Benz. “You might think about the average duration of long-term care along with the average costs to build a long-term care fund.”

For men who need it, the average duration of long-term care is 2.2 years, according to the Administration for Community Living. For women, it’s 3.7 years.

Do the math based on the costs, and you’ll likely have to plan for a six-figure bill, at least.

For this reason, many financial planers build a large cushion in their models for what clients can spend.

“We don’t build a plan that only works based on certain assumptions,” says Yusuf Abugideiri, a certified financial planner and chief investment officer at Yeske Buie in Vienna, Virginia. “We assume that what clients can spend is going to get spent.”

3. Long-term care insurance

The middle path involves buying insurance designed to help pay for long-term care. This can include long-term care insurance or whole life insurance with a long-term care rider. The latter have become a trendy option among those who are hesitant to pay premiums toward a form of insurance they very much hope they’ll never have to use, says Benz.

“Those products have become more popular because they offer kind of a level of optionality, where if you don’t need long-term care, you at least have that life insurance benefit,” she says.

They also tend to be somewhat easier to qualify for than traditional long-term care insurance, which may be tricky to obtain if you have certain pre-existing conditions.

Generally speaking, you’re better off buying a policy sometime in your 50s or earlier, which will help lower your premiums and lessen the probability that a health issue could arise that would disqualify you for a policy.

No matter when you buy a policy, the cost is likely to be pricey. A couple, both age 55, with a total of $800,000 for long-term care coverage through age 85 could expect to pay around $5,000 a year in premiums, according to the American Association for Long-Term Care Insurance.

The cost is often significant enough that it’s worth discussing with your loved ones whether a policy is worth it, says Gerika Espinosa, a CFP with DMBA in Salt Lake City, Utah.

“I’ll tell clients, either you need to have that conversation now with your spouse or your kids, saying, ‘Are you wanting more assets in retirement, or are you wanting to help take care? What does that look like?’” she says.

No matter which strategy you opt for, you’d be wise to discuss your options with both your loved ones and a financial professional.

Want to earn more money at work? Take CNBC’s new online course How to Negotiate a Higher Salary. Expert instructors will teach you the skills you need to get a bigger paycheck, including how to prepare and build your confidence, what to do and say, and how to craft a counteroffer. Pre-register now and use coupon code EARLYBIRD for an introductory discount of 50% off through Nov. 26, 2024.

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