Last reviewed:
Hard rules
- Never paste real account numbers into a public model
- Always verify formulas AI generates — they hallucinate math
- Treat AI projections as hypotheses, not forecasts
A useful flow
- 1
List income, expenses, debts, and goals
- 2
Ask AI to model best, expected, and worst-case scenarios over 1, 5, and 10 years
- 3
Identify the two largest sensitivities and stress-test them
- 4
Draft a savings and investment policy in your own words
- 5
Review quarterly with AI as devil's advocate
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