Topic 04 of 06

AI + Fintech

We try the tools so you don't have to. Some are magic. Some are wrappers. We say which.

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Every other week a new AI-powered finance tool launches promising to solve everything. Most are wrappers around ChatGPT with a fresh coat of paint. A few are worth paying for. This pillar is where we work out which is which, plus honest takes on the big fintech players (YNAB, Monarch, Copilot Money, the others) and the automation workflows you can build yourself with an hour and a prompt.

What you'll find here

  • Reviews of AI-powered finance tools, from useful to useless
  • Using ChatGPT, Claude, and Gemini as a budget coach (no bank login required)
  • Honest deep-dives on YNAB, Monarch, Copilot Money, and the rest
  • Finance automations you can build yourself
  • AI-assisted spreadsheet work for the tedious parts
  • Industry takes: real vs. hype

Writing in this pillar

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OpenAI Acquired Hiro. What It Signals for AI and Your Money.

OpenAI acqui-hired Hiro Finance on April 13. The app shuts down April 20. What the acquisition signals about ChatGPT's roadmap, what Hiro users should do now, and which AI finance apps are worth watching.

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What to Do in the 30 Days After Filing Your Taxes

The window right after tax season is the best time to fix what went wrong and build a better system for next year. Here's how AI fits into that process.

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I Tested Seven AI Finance Tools. One Is Worth Keeping.

A concrete ranking of seven AI finance tools: Cleo, Copilot, YNAB, Rocket Money, ChatGPT, Tiller, and Monarch. What each one does, what it costs, and whether the AI label is doing any real work.

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