I recently chatted with some friends and noticed a strange phenomenon: many people spend more time tinkering with AI than studying stock charts. They're incredibly skilled with various frameworks, writing and revising prompts repeatedly, and orchestrating workflows as complex as DeFi protocols. They're burning through money, wasting time, and in the end, besides posting something on social media to show off, their productivity remains stagnant. The only benefit of all this is alleviating the anxiety of being left behind by the times. To put it bluntly, if you want to create a truly capable agent, not just a pretty face with AI, what you lack isn't tools, but personalized data. It's the same principle as cryptocurrency trading; having a trading strategy alone isn't enough. You need solid capital. Your thinking, experience, and industry judgment—that's your personal savings. If you don't store this data on your hard drive as Markdown documents to feed to AI, it's just wishful thinking. Only when AI thoroughly understands this data that is highly relevant to you can it evolve from a generic, useless machine into a digital avatar that understands you. Less fancy stuff, more real data – that's your competitive advantage. Don't be a tech enthusiast in the AI era; your digital avatar lacks personal data.