To celebrate the new year, I read my favorite science fiction writer, Gregory Benford, to see his vision of personal financial services of the future. Unfortunately, his latest book deals only with pocket universes, so I had to create my own vision for the year 2099.

My scenario has three main components: Everything will be electronic, each household will have a Household Electronic Database and Intelligent Agent (Hedia) to manage finances and data, and households will directly tap the capital markets.

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