The podcast discusses the concept of moving away from target date funds in retirement accounts towards a more tailored investment strategy. An actionable business idea emerging from this discussion is the creation of an Automated Investment Portfolio Management Tool designed for individuals looking to manage their investments more actively while minimizing risk. This tool could allow users to select and automate their investment in multiple index funds based on their risk tolerance and financial goals. It would leverage algorithms to balance and rebalance their portfolio automatically, providing users with insights into market performance and guidance on adjustments based on their life stage and financial situation. Target audiences could include younger professionals just starting their investment journeys, as well as more seasoned investors like those nearing retirement who want to take a more hands-on approach without the burden of constant monitoring. The tool could use integrations with existing platforms such as Fidelity to streamline the investment process and make it accessible to users with varying levels of financial literacy.