As we progress through the first quarter of the 21st century, advances in artificial intelligence (AI) and machine learning (ML) technologies, political and societal winds of change are disrupting current status quo and creating a lot of consternation among people. To not be dismayed, these disruptions are also ushering in a lot of new opportunities for people in all age categories.   Where do we start?   To begin, it is important to acknowledge that as use of AI/ML increases