His concern is a familiar one dressed in new urgency. For years, economists have debated whether AI would be a net creator or destroyer of jobs—a debate that has mostly played out in conference rooms and research papers while the macro data remained stubbornly stable. But Zandi argues that stability is masking a slow-motion transformation. The impact of AI is starting to “kick in” across the economy, he told Bloomberg in February, and it’s already visible in one place above all: hiring.
Tom walks through his first illegal trade in chillingly matter‑of‑fact terms: a contact gives him details of an upcoming deal—“here’s the date, here’s the price, here’s the private equity firm”—and at first he just passes it to a friend who is down for the month. Tom explained the fraud triangle: a need (short‑term performance), an opportunity (he could buy up to 0.9% of the fund without approval), and a rationalization (“These other guys are doing it… I’ll do it just this one time”). Across four illegal trades, he personally made just $46,000, which he calls “the price of professional suicide.” The real draw wasn’t the money; it was the illusion of being “on the inside,” part of the in‑group he’d envied since his Wharton days.
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