

Derek Hagen, CFA, CFP®, FBS®, CFT™
“Texting is a brilliant way to miscommunicate how you feel, and misinterpret what other people mean.”
-unknown
AI hears words. Humans hear each other.
If you’re like many of us, you’ve had that experience: You send an email or a message that seems clear to you, only to have the recipient take offense. Or maybe the reverse—you read something that rubs you the wrong way, only to realize it was meant innocently.
Text-based communication lacks the tone, gestures, and facial cues we rely on for nuance. That’s part of why emojis and emoticons emerged; they try to compensate for what words alone can’t carry. But we now live in a world increasingly driven by text. And nowhere is this more true than with artificial intelligence (AI), which operates purely through words.
AI doesn’t understand tone. It doesn’t recognize body language. And it certainly doesn’t communicate with inflection or facial expression. All it sees—and all it delivers—are words.
The danger is that we may be training ourselves out of nuance. We risk dulling our emotional intelligence (EQ) and weakening the very muscles that help us connect as humans.

The 93% of Communication We Often Miss
When it comes to communication, words are just the tip of the iceberg.
One commonly cited model suggests that:
- 55% of a message is conveyed through body language—our posture, gestures, facial expressions.
- 38% comes from vocal tone—how we say things, including pitch, inflection, pacing, and volume.
- Just 7% is the actual words we use.
Change any one of those components, and the message changes.
Imagine three people saying the same thing, with the same posture—but different facial expressions. The message lands differently every time.

Or picture the same words and expression, but with different body language. Again, very different meaning.

Our voice carries emotion, subtext, and intention. It adds layers that plain text can’t touch.

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What AI Misses—and What It Costs Us
AI is brilliant with words. But words are only 7% of the picture.
AI doesn’t read facial expressions. It doesn’t hear tone. It doesn’t sense hesitation or joy or weariness in a pause. And on our end, all we get back is text—clean, sharp, but emotionally flat.

If we overuse AI for human conversation, we risk stagnating our emotional growth. Like any skill, EQ atrophies if it’s not exercised.

The more we limit ourselves to text-only exchanges, the harder it becomes to pick up on nuance. We lose our edge in navigating emotion, presence, and empathy—skills that matter deeply in human relationships.

Use AI. Leverage it as a tool. But don’t let it replace what makes you human.
Have the hard conversation. Sit with someone who’s struggling. Be present in ways that no machine can mimic.

Words may be AI’s strength. But presence, tone, and emotional intelligence are still ours to practice and to protect.
In this AI-driven world, the opportunity isn’t just to get better with prompts. It’s to deepen the 93% of communication that AI can’t touch. It’s a chance to become more human, for ourselves, and for our clients.
FAQ: Emotional Intelligence and AI Communication
What does it mean that AI only understands 7% of communication?
It refers to a communication model suggesting that only 7% of meaning comes from words—while 93% comes from tone and body language. AI handles the words, but misses the rest.
Why is emotional intelligence at risk in an AI-dominated world?
The more we rely on text and automation, the less we practice reading subtle cues—like facial expressions, tone, or hesitation. This can dull our ability to connect and empathize.
What are the risks of relying too much on text-based communication?
Text-based communication often leads to misunderstandings. It strips away the tone and body language that give words their full meaning—resulting in misinterpretation and emotional disconnect.
How can advisors strengthen their communication in the age of AI?
By intentionally practicing presence. Choose phone or face-to-face conversations when possible, and pay attention to nonverbal cues. Emotional intelligence is a muscle—it needs exercise.
What parts of communication are uniquely human?
Facial expression, body language, tone, hesitation, silence, and emotional nuance—these elements carry meaning that no AI can replicate. They are essential to authentic connection.
In this short video, I explain why AI—and text-based communication in general—misses 93% of what really matters when we try to connect with others.
Want to Learn More?
Money Quotient trains financial professionals in the True Wealth process and helps them implement the concepts into their practices. The first step is to learn about the Fundamentals of True Wealth Planning.
References and Influences
Klontz, Brad, Rick Kahler & Ted Klontz: Facilitating Financial Health
PositivePsychology.com: Emotional Intelligence Masterclass
