{"id":1870,"date":"2026-02-25T10:08:17","date_gmt":"2026-02-25T10:08:17","guid":{"rendered":"https:\/\/www.bearsavings.com\/blog\/?p=1870"},"modified":"2026-02-25T10:08:20","modified_gmt":"2026-02-25T10:08:20","slug":"ai-white-collar-jobs-2028-citrini-analysis","status":"publish","type":"post","link":"https:\/\/www.bearsavings.com\/blog\/ai-white-collar-jobs-2028-citrini-analysis\/","title":{"rendered":"Will AI Replace White Collar Jobs by 2028? A Calm Analysis of Citrini\u2019s Recession Thesis"},"content":{"rendered":"<div style=\"margin-top: 0px; margin-bottom: 0px;\" class=\"sharethis-inline-share-buttons\" ><\/div>\n<p class=\"wp-block-paragraph\">Over the past few weeks, one fiercely-worded research note has been spreading like wildfire among the investing world. Published by Citrini Research under the name &#8220;2028GIC&#8221;, its thesis is succinct: Artificial intelligence will automate away a majority of white-collar jobs within the next few years. As a result, unemployment will spike. Consumption will plummet. And a severe recession will ensue.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Needless to say, it&#8217;s a doomsday scenario. And as we know all too well, markets hate doomsday scenarios.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">After reading the report, doing my own research, and thinking through the implications, I do not believe we will see AI automate away a majority of white-collar jobs anytime soon. Nor do I believe that it will inherently cause a severe macroeconomic contraction.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">AI will impact white-collar jobs. It will disrupt certain workflows. It will create productivity gains. But the sudden structural unemployment of the majority of white-collar professions is a big leap.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Let&#8217;s break this down calmly.<\/p>\n\n\n<div style=\"max-width: -moz-fit-content\" class=\"wp-block-ub-table-of-contents-block ub_table-of-contents ub_table-of-contents-collapsed\" id=\"ub_table-of-contents-6cacefbd-96b9-4dbb-9315-d82673bae46d\" data-linktodivider=\"false\" data-showtext=\"show\" data-hidetext=\"hide\" data-scrolltype=\"auto\" data-enablesmoothscroll=\"false\" data-initiallyhideonmobile=\"false\" data-initiallyshow=\"false\"><div class=\"ub_table-of-contents-header-container\" style=\"\">\n\t\t\t<div class=\"ub_table-of-contents-header\" style=\"text-align: left; \">\n\t\t\t\t<div class=\"ub_table-of-contents-title\" style=\"\"><strong>Table of Contents<\/strong><\/div>\n\t\t\t\t<div class=\"ub_table-of-contents-header-toggle\">\n\t\t\t<div class=\"ub_table-of-contents-toggle\" style=\"\">\n\t\t\t\u00a0[<a class=\"ub_table-of-contents-toggle-link\" href=\"#\" style=\"\">show<\/a>]\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><div class=\"ub_table-of-contents-extra-container\" style=\"\">\n\t\t\t<div class=\"ub_table-of-contents-container ub_table-of-contents-1-column ub-hide\">\n\t\t\t\t<ul style=\"\"><li style=\"\"><a href=\"https:\/\/www.bearsavings.com\/blog\/ai-white-collar-jobs-2028-citrini-analysis\/#0-summary-of-2028gic\" style=\"\">Summary of &#8220;2028GIC&#8221;<\/a><\/li><li style=\"\"><a href=\"https:\/\/www.bearsavings.com\/blog\/ai-white-collar-jobs-2028-citrini-analysis\/#1-ai-will-not-instantly-eliminate-millions-of-jobs\" style=\"\">AI Will Not Instantly Eliminate Millions of Jobs<\/a><\/li><li style=\"\"><a href=\"https:\/\/www.bearsavings.com\/blog\/ai-white-collar-jobs-2028-citrini-analysis\/#2-ai-will-increase-productivity-which-can-increase-output\" style=\"\">AI Will Increase Productivity Which Can Increase Output<\/a><\/li><li style=\"\"><a href=\"https:\/\/www.bearsavings.com\/blog\/ai-white-collar-jobs-2028-citrini-analysis\/#3-companies-dont-just-cut-headcount\" style=\"\">Companies Don&#8217;t JUST &#8220;Cut Headcount&#8221;<\/a><\/li><li style=\"\"><a href=\"https:\/\/www.bearsavings.com\/blog\/ai-white-collar-jobs-2028-citrini-analysis\/#4-adoption-takes-time\" style=\"\">Adoption Takes Time<\/a><\/li><li style=\"\"><a href=\"https:\/\/www.bearsavings.com\/blog\/ai-white-collar-jobs-2028-citrini-analysis\/#5-ai-itself-will-create-demand\" style=\"\">AI itself will Create Demand<\/a><\/li><li style=\"\"><a href=\"https:\/\/www.bearsavings.com\/blog\/ai-white-collar-jobs-2028-citrini-analysis\/#6-the-psychology-behind-2028gic\" style=\"\">The Psychology Behind &#8220;2028GIC&#8221;<\/a><\/li><li style=\"\"><a href=\"https:\/\/www.bearsavings.com\/blog\/ai-white-collar-jobs-2028-citrini-analysis\/#7-every-sector-will-be-affected-differently\" style=\"\">Every Sector Will Be Affected Differently<\/a><\/li><li style=\"\"><a href=\"https:\/\/www.bearsavings.com\/blog\/ai-white-collar-jobs-2028-citrini-analysis\/#8-the-fed-watches-unemployment\" style=\"\">The Fed Watches Unemployment<\/a><\/li><li style=\"\"><a href=\"https:\/\/www.bearsavings.com\/blog\/ai-white-collar-jobs-2028-citrini-analysis\/#9-we-like-humans\" style=\"\">We Like Humans<\/a><\/li><li style=\"\"><a href=\"https:\/\/www.bearsavings.com\/blog\/ai-white-collar-jobs-2028-citrini-analysis\/#10-the-real-threat\" style=\"\">The REAL Threat<\/a><\/li><li style=\"\"><a href=\"https:\/\/www.bearsavings.com\/blog\/ai-white-collar-jobs-2028-citrini-analysis\/#11-the-reality\" style=\"\">The Reality<\/a><\/li><li style=\"\"><a href=\"https:\/\/www.bearsavings.com\/blog\/ai-white-collar-jobs-2028-citrini-analysis\/#12-conclusion\" style=\"\">Conclusion<\/a><\/li><\/ul>\n\t\t\t<\/div>\n\t\t<\/div><\/div>\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"0-summary-of-2028gic\">Summary of &#8220;2028GIC&#8221;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The argument goes as follows: We are now seeing generative AI models accomplish cognitive tasks that were once thought to only be possible by humans. Tasks such as writing, coding, spreadsheet analysis, legal research, creating reports, etc.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Companies seeking efficiency will substitute human labor for AI. Millions of white-collar workers will be laid off en masse. Unlike past automation waves where machines replaced blue-collar jobs, this time it&#8217;s white-collar jobs that are being replaced.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mass unemployment leads to a demand destruction event. Because the majority of white-collar jobs are high-income earners, a large decrease in income leads to a quick downward spiral in aggregate demand.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In theory, this makes sense. But just because something makes sense doesn&#8217;t mean it&#8217;s macroeconomic fact.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"1-ai-will-not-instantly-eliminate-millions-of-jobs\">AI Will Not Instantly Eliminate Millions of Jobs<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Just because AI can do the work of millions of white-collar employees doesn&#8217;t mean millions of white-collar employees will instantly lose their jobs.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">We&#8217;ve been here before with each major technological revolution.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Take the Industrial Revolution. Machines replaced craftsman.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Take automation. Machines replaced human interaction with assembly lines.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Take the computer. Machines replaced typists, administrative assistants, travel agents, etc.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">None of these events instantly wiped out all jobs. In fact, total employment has grown throughout history.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This is because technology doesn&#8217;t just eliminate jobs, it reallocates them.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Most white-collar jobs are not solely made up of one specific task that AI can do. Instead, they consist of many tasks that AI may or may not be able to do.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It&#8217;s highly unlikely that AI will be able to perform every single task that makes up a job.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Plus, there&#8217;s still aspects of business that rely on human involvement. Risk management, internal controls, decision-making oversight, strategic planning, etc.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Automation may be able to replace certain tasks, but it won&#8217;t instantly eliminate professions.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"2-ai-will-increase-productivity-which-can-increase-output\">AI Will Increase Productivity Which Can Increase Output<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">One interesting thing I&#8217;ve noticed is that nobody talks about how AI could increase productivity.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Here&#8217;s how that works: Let&#8217;s say AI allows businesses to produce more output with the same amount of employees.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Because businesses can produce more at a lower cost, prices may decline. As prices decline, demand may increase.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Recessions are caused when we collectively stop spending, not when we have the ability to spend more.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Remember during the pandemic when we couldn&#8217;t stop buying things? No?! Because every retail store was sold out for about 18 months.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The point is that AI could just as easily increase output as it could decrease it.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Look at America&#8217;s historical response to previous productivity shocks. It didn&#8217;t lay off millions of workers, it reallocated them.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Whole sectors of the workforce were shifted when computers became mainstream. We didn&#8217;t lose jobs, we gained them. Software engineers, IT consultants, app developers, cloud architects, cybersecurity specialists, digital marketers, the list goes on\u2026<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">There&#8217;s nothing stopping us from doing the same with AI.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"3-companies-dont-just-cut-headcount\">Companies Don&#8217;t JUST &#8220;Cut Headcount&#8221;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">If the only thing companies cared about was cutting costs, then yes we would instantly see millions of white-collar jobs lost.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">But corporations don&#8217;t just care about cutting costs, they care about growth.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Companies don&#8217;t want to suddenly cut so much headcount that they become operationally vulnerable.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">There will always be white-collar jobs that rely on human interaction. AI will need internal audits, validation, supervision, etc. That&#8217;s not even mentioning increased regulatory scrutiny across the globe.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Many industries can&#8217;t fully replace their workforce with AI. The medical industry, for example, faces immense legal risk by trying to go fully automated. The same can be said for law.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Executives aren&#8217;t incentivized to risk the company over marginal cost savings.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"4-adoption-takes-time\">Adoption Takes Time<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">This perfectly leads into my next point: Full blown AI adoption and utilization won&#8217;t happen overnight.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Just because companies can utilize AI to cut jobs doesn&#8217;t mean they&#8217;ll do it instantly.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">AI implementation will require a transitioning period. Companies will need time to adapt workflows, identify bottlenecks, train employees on new systems, and deploy new technology at scale.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Don&#8217;t forget about the logistics of integrating new technology into legacy workflows.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">We&#8217;ve seen this story before with cloud computing and companies adopting new technology. It takes time.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Plus, just because a company implements AI, doesn&#8217;t mean they fire their employees.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Remember how we mentioned how white-collar jobs are more than just a bunch of tasks that AI can do? Companies may automate repetitive tasks and use their employees to focus on more high level tasks.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">There&#8217;s also friction in labor markets. When technology is implemented, it doesn&#8217;t instantly fire workers, companies slow hiring until the adjustment has been made.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Some workers may choose to leave, others may retrain, companies may shift people around, etc.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">There will always be a transition period.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In fact, this is how most structural shifts in labor happen. They happen over years, not overnight.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"5-ai-itself-will-create-demand\">AI itself will Create Demand<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Here&#8217;s another angle I don&#8217;t think people are considering.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">AI isn&#8217;t just going to consume jobs and destroy demand, it&#8217;s going to stimulate investment.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Servers, GPUs, networking equipment, software, etc. All of this costs money.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">There will be a whole supply chain that comes along with the AI revolution.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sure, white-collar productivity may go up. But if there is increased business and consumer spending on AI tools, that could just lead to increased economic activity in the near term.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Investment is still consumption.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">What if white-collar productivity does increase, but instead of cutting employees, companies just keep the gains and use it for something else? R&amp;D? Capital expenditures? Marketing?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Again, there is no rule that says economic output is a fixed quantity.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Technological change expands output.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"6-the-psychology-behind-2028gic\">The Psychology Behind &#8220;2028GIC&#8221;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">One thing we can&#8217;t ignore is the fact that doomsday comments tend to spread like wildfire.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The 2028GIC thesis is emotionally charged. Who wants to think that we could automate away millions of jobs?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">White-collar workers grew up thinking their jobs were safe.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Now imagine thinking your job is safe, only to see machines start to do your job.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Fear is a powerful emotion.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">BUT\u2026<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If history has taught us anything, it&#8217;s that we overestimate the short-term societal impacts of technology, but underestimate the long-term impacts.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Remember in the late 90s when everyone thought the internet was going to put brick and mortar stores out of business in a few years? Everyone was &#8220;online shopping&#8221; going to kill retail!<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Then the 2008 financial crisis happened. People lost their jobs overnight. It was &#8220;game over&#8221; for the world.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Technology doesn&#8217;t care about your sentiment. It is what it is.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Just because we&#8217;ve never dealt with something on this scale before, doesn&#8217;t mean we will automatically face a terminal event.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"7-every-sector-will-be-affected-differently\">Every Sector Will Be Affected Differently<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">When we think about AI taking over white-collar jobs, we must think about it on a sector-by-sector basis.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Not all white-collar jobs are created equal.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you&#8217;re a simple data entry worker doing repetitive tasks all day, you&#8217;re probably more likely to get replaced than the CTO of a company.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Same thing goes for a CPA reviewing financial documents vs a CFP running a firms&#8217; investment strategy.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Automation is likely to impact blue-collar jobs more so than white-collar jobs. And within white-collar jobs, we will see certain sectors get impacted more.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Why? Because again not all jobs are solely made up of tasks that AI can do.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The majority of jobs won&#8217;t be automated.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"8-the-fed-watches-unemployment\">The Fed Watches Unemployment<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">As I mentioned earlier, if AI really does start to take away jobs, the Fed will likely respond with accomodative policy.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Plus, with aging demographics and labor shortages across the world, there&#8217;s a possibility that AI creates more labor rather than takes away from it.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">But it&#8217;s unlikely that millions of white-collar workers are suddenly unemployed tomorrow.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"9-we-like-humans\">We Like Humans<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">I know I already said this, but it&#8217;s worth mentioning again.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">AI isn&#8217;t going to instantly take every single task we do as humans. There will always be an incentive to keep humans in the loop.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Yes sure doctors may use AI to diagnosis patients, but are you really going to trust some random AI bot when it comes to your health? What about legal advice?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">There are still going to be white collar jobs that rely on human contact. Just because a task can be automated, doesn&#8217;t mean it will be.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"10-the-real-threat\">The REAL Threat<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Although I don&#8217;t believe we&#8217;ll reach this outcome, I do think there is risk that AI creates unemployment in certain entry-level white-collar jobs.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Just like how programmers became necessary when computers were introduced, there will always be new skillsets needed to maintain these AI programs.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">We could see wage compression in routine white-collar work.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">But an increase in unemployment isn&#8217;t the same thing as a massive unemployment event.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Yes, entire departments may shrink and not every employee will be able to adjust. But that doesn&#8217;t mean we automatically enter a recession.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">What will cause a recession?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Unless AI happens to coincide with excessive leverage, asset bubbles, and horrible monetary policy decisions we should be fine.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">AI is a productivity story. And productivity gains aren&#8217;t something that normally destroys economic activity. Instead, productivity gains facilitate activity.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"11-the-reality\">The Reality<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">AI is going to impact white-collar work.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">There will be growing pains. Certain jobs will be replaced with AI. Employees will need to learn how to adjust.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">But billions of jobs will not be automated tomorrow.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">And just because white-collar work changes, that doesn&#8217;t mean the entire economy does.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Remember, the 2020 dotcom bubble was caused by a fear of technological innovation destroying an entire industry. Do you think we could see something similar in the future with AI?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Something to think about.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"12-conclusion\">Conclusion<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Alas, here we are. The conclusion.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">AI will impact white-collar workers.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">There&#8217;s no doubt about it.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">But will AI destroy millions of jobs and cause massive unemployment? No.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">There&#8217;s a difference between &#8220;AI can do this task&#8221; and &#8220;AI will cause this job to not exist&#8221;.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Please don&#8217;t forget that humans are still human.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Over the past few weeks, one fiercely-worded research note has been spreading like wildfire among the investing world&#8230;.<\/p>\n","protected":false},"author":1,"featured_media":1871,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[40],"tags":[],"class_list":["post-1870","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investing","article","has-background","has-excerpt","has-avatar","has-author","has-date","has-comment-count","has-category-meta","has-read-more","has-post-media","thumbnail-"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 5.0.5 - aioseo.com -->\n\t<meta name=\"description\" content=\"Citrini Research predicts AI will replace white collar workers and trigger a recession by 2028. 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