How to Use AI for Personal Finance

AI doesn't know your life. It does pattern-match against millions of similar situations. The workflow that uses that strength.

Three high-leverage prompts

  1. Investment Stress-Test — what's your forced-sell threshold?
  2. Lifestyle Inflation Audit — silent spending creep over 24 months
  3. Home Purchase Red-Flag Inspector — the 3 risks that'll cost $20k+ in 5 years

What NOT to ask AI

"Should I buy this stock?" — generates plausible nonsense. AI doesn't know your tax situation, risk tolerance, or time horizon. Use a financial advisor for this. Use AI for stress-testing your existing thinking.

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