Can You Save Money Using AI? Here Are The Exact Prompts I'm Using

0:00Can AI really help you with your finances? It's a question that's bubbling up all over the place at the moment. Can AI help you with this? Can AI help you with that? And naturally, there's a lot of skepticism around the information that AI uses to help answer your questions or your commands. So today, what we're going to do is put a specific focus on finances and seeing whether AI can actually help you with your finances or help improve your financial situation. So how we're going to do that is we're going to go through six specific things and areas where I think AI can help you with your

0:31finances. We're going to use a couple of them where we're going to put commands into AI as well to see what the output is and see if it helps us make better financial decisions to improve our overall position. AI is not to be used as a financial advisor. It doesn't get everything right and it doesn't always have all the information. And the quality of the output you get is quite often determined by the quality of the information you put in. So we're going to try and work our way through that today as I say with a couple of examples on the screen as well to just try and get an output that

1:02is useful that you might be able to use to help make some financial decisions for you. So if that all sounds good and you're interested in finding out if AI can help you improve your finances, then stay tuned and we'll get stuck in now. Now, I know even just mentioning the letters or word AI, whatever combination it is, can induce rage for people anyway. It's a very divisive piece of software. So I think it's really important I just doubly emphasize before we get into the individual things that AI might be able to help you with is that AI is not a financial advisor. All it is there to do

1:34is to help give you a summary and some guidance on information that you've put in in response to your question. As I said, and I've seen it so many times before as I'm sure you have when you're watching this video is that AI can sometimes use all the right information. Sometimes it can miss things depending on the command and the prompt that you put in. So it's just really important to emphasize that any of the outputs you see that we get here today, any of the outputs that you get yourself from the commands you put into AI, are not to be taken as this is the factual thing to

2:07do. If you typed into any of the AI platforms, make me a millionaire now, and that's what you typed in, and it gave you it will give you a response, but if it gives you a response, that doesn't necessarily mean that that strategy is going to make you a millionaire. Otherwise, everyone would be doing it. So, it's just really important to remember that yes, can AI help you with your finances? I'm I think by the end of this video, you'll probably find the answer to that question is yes, but can it control your finances and make you a millionaire overnight? No, it can't do that. So,

2:40it's just really important to decipher between the two and just understand what it is we're trying to take from this video and and this type of content. It's how can AI ultimately help steer your finances and give you information to make better financial decisions. The first thing is negotiating and better deals. Have you ever found it really annoying as a customer of a company where you've stayed with them for 4 5 years and every year you get a letter, you get an email that tells you the cost of your contract, the cost of your bill is going up by X amount. That can be really annoying, right? And something that most

3:13people face on a day-to-day basis. Can be really frustrating. Now, you are able to do something about that depending on what the bill is. So, let's for the purpose of this example use something like car insurance or a phone bill or Wi-Fi broadband, that type of thing. You are able to do something about that, but what that normally entails is picking up the phone, speaking to an agent over the phone, getting pushed back, not knowing what to say, not knowing how to tackle it. So, quite often people will pick up the phone and not have a plan of actually how they're going to make that bill cheaper and

3:45where they want that bill to be. Well, that is exactly where AI can help you because what you can get it to do is to draft some scripts for you or some example key pointers that you might want to bring up on a phone call with an agent to help negotiate a bill. It's so straightforward to just let a bill keep increasing in the background and before you know it, over the course of maybe 5 years, you as a loyal customer are paying 25% more than what you were paying when you started. Now, sure, most bills have inflationary increases built in these days, but over that time if

4:16you're paying 20, 25% more than you were when you started, that's far more than that's far more than inflation and that's the company taking advantage of the fact that they don't think that you're going to switch contracts. What you can do is put the right command into AI and you can get a script that will give you some pointers to have in front of you when you're on the phone with one of those agents. To show you what I mean, we're going to jump into an example now of a command I've popped into AI and what the output is so that you can see the type of thing that you

4:44might be able to use to help negotiate a better deal. Okay, so on the screen in front of you now is an AI that I personally spend most of my time using which is Claude. There are so many other options out there that you can use. We don't need to get into the individual pros and cons of each kind of AI uh chatbot today. I tend to use Claude. I find it's quite good for uh word-based requests and quite often some number calculations as well. So, that's what we're going to use it for today's video. So, what I've done at the

5:11start is I've typed in a prompt up here. So, what I've done is write out write me a short, polite, but firm script that I can use to call my insurance

5:30provider and ask for a better deal. I've been a customer for 5 years and my current price is 45 pound a month. Can you include a version I can use if they say no for the first time? So, we're talking car insurance here because car insurance is a classic one, right? A classic that just increases every year. Quite often a lot of people have it set up on a monthly each year because the incremental price for a month may not be that much, but when you add it up over 12 months, it can actually be quite a

5:56sizeable sum of money. So, that's the command we've put in. So, let's work through what the output is and see if we think it's a good way of being able to negotiate a better deal. So, first of all, it's come back and it says giving you a script that you can say for when you're opening up the call, which is "Hi, I'm calling about my car insurance policy. I've been with you for 5 years and I'm currently paying £45 a month. My renewal is coming up and I'd like to review the price before I decide whether to stay. And can you see what the best offer is that you can offer

6:23me?" Because quite often people won't even reach this stage. So, this is a really important opening gambit because at this point your insurance company knows that you're thinking about leaving if you don't get the deal that you want. They may well then come back to you and they may give you a figure at this point, at which point you can respond with a "Thanks. I appreciate that. I've been a loyal customer for 5 years. I've had no claims. You've got a clean record. So, I was hoping for something closer to whatever target you actually want to pay." So, a realistic target for this might be negotiating it down to

6:53somewhere between 37 and 40 pounds a month. That would be a realistic kind of place to get to. "Is there anything more you can do?" And then at that point you let them respond and see what they say. If they say they might say yes because as you've pointed out you're a loyal customer. If they say no at that point, that doesn't mean that that's the end of the conversation and I think this is if if this was me calling up, this is where I would struggle because sometimes you just get quite a firm no on these in these scenarios and it feels like, "Oh, okay, I'm not going to get anywhere

7:22here." But actually, if you've got the prompts in front of you to give you the confidence to be able to push back a little bit, the door is still open for you to possibly get a better deal. So, what you can then say is, "I understand. Thanks for checking that. I do like staying with you, but I've seen comparable cover for less elsewhere and

7:39I'd rather not switch if I if I have to. Is there a loyalty discount or retention offer or a different excess or payment option that could bring the price down. So, what you've done there and what AI has prompted there, which a lot of people probably wouldn't think of, is to use the benefits to you of being able to make that price cheaper. So, the fact that you're a loyal customer, is there anything they can do because you've been there for a while? Or if not, can they change the excess on your policy because you're confident that you won't need to pay that excess over the next year? Or

8:08by changing your payment option to be able to make it cheaper. So, you're providing options to the company as well and showing willing of wanting to stay. So, this might have then open up the door for you a little bit more. If they still then say no at this point, you can then ask to be referred. So, could you Could you check whether there's a retention team or a supervisor who has more flexibility? I'd like to give you the chance to keep my business. So, at this point we're starting to wrap it up

8:31because you've provided lots of options. If they still say no, then you can say that you appreciate their time. In that case, can you confirm in writing the renewal price and the date it takes effect? I need to compare it against other quotes before I decide. And at that point there, you've done everything you can. If you can't get a cheaper deal at that point, then I think it's fair to say that maybe that's not the right insurance company for you. If you know that you have the quotes from elsewhere that it is physically cheaper, and I would definitely emphasize doing that before going in and making this call,

9:00then you're able to have all the ammunition you need to be able to negotiate that contract down. If you can't, then you have the ability to just move to a new supplier. Now, I think that output's really useful because there's lots of prompts in there that if I was caught in the moment on the phone, I probably wouldn't think of to say to help try and negotiate myself a better deal. So, there's a great example of without having to actually control your finances, AI can provide you with information that you can use to help save you money and be better in control of your finances. Now, the second place

9:32where I believe that AI can really help you with your finances is helping to either budget better or save costs in your current expenditure. Now, to get the right output from AI in this scenario, the command that you put in may take a little longer, but I think it's really worthwhile and it can get you started on being able to be a better budgeter, to budget your money more efficiently, and going a great way in helping you track your money for the long term. So, to be able to get this output, what you're going to need to do is ultimately put in your income. So, how much money you've got coming in

10:06every single month into AI, and then you're going to need to input all of the rough expenditures that you know that you have. So, particularly all your fixed costs, so knowing what all of your bills are and all of those things, and making sure they're all input it correctly. Any other money that you know you need to spend, whether that be on debt that you need to pay down or savings that you specifically make to want to make or any investment money

10:30that you're putting towards investments. If you plug all of that information into AI, and then ask it the question that gets you to what you want to achieve. So, if that for example is how can I save myself 50 pounds a month based on my current budget? That's the command you put in. You list all of your costs. What AI will bring back to you is a list of suggestions of things that you might be able to cut out. And then what you're able to do is go through that list and see how you feel about those things. So, for example, if you've put all of your costs

11:02in for the month, and AI might have clocked the fact that you spend 150 pounds a month on eating out. Let's say, let's use that as an example for now. It's likely that one of the first things that it's going to come back to you with is actually you could save yourself 50 pounds a month by just eating out one less time a month. Now, if you're serious about being able to save that money, then actually that is quite a quick win that you can make, which you might not have necessarily jumped straight to if you're not currently fully in control of your finances. If you don't have a budget spreadsheet set

11:36up, if you're not tracking the money that you're spending every single month, which a lot of people aren't, then it can be difficult sometimes to see where the problem areas are. But by just quickly summarizing it all into AI, even if you're providing it with your bank statements or anything like that, just by inputting all that information, it can do the sorting for you and then provide you with some suggestions of what you can cut out to help save you

12:00money. That's not going to provide you as mentioned throughout already this video, it's not going to provide you with financial advice. It's not going to say to you, you have to remove this. And that's really important. It's going to provide you with suggestions of things that you could remove and then it's down to you. Then it's down to you to weigh up how serious you are about saving the money that you've wanted you want to save and how you feel about the things it's suggesting that you cut out. So really great way of being able to save money by cutting out some costs. When you've done that, you can actually then

12:31take that and start building a proper budget within AI as well. Because you can input this information on a monthly basis, you can start inputting areas of and suggesting areas that you want to cut down over the course of the next few months and then AI will start to automatically create spending pots for you based on the different areas of where your money's going to be spent and how you want to cut that money back on the things you don't want to spend it on over the next few months. So not just can it make you potentially an initial saving, it can also lead to some longer

13:02term savings by helping you build a budget and get in control of your money. Now the third point in this video is a way in which I think AI can be most helpful in challenging one of the most difficult topics in finance and can really help you get in control of sometimes what can be a spiraling situation. But just before we touch on that one, I just wanted to remind everybody that if you're really enjoying this video and you're enjoying the content, then please do make sure you remember to subscribe to the channel. It goes a massive way to helping the channel grow. And also, it means you're

13:29going to get access to a load of other content that I've got coming up. I do monthly budget and investing videos always as part of my part of my cycle every month. And then I also put out a couple of videos providing some kind of financial tips and tricks that might be able to help you stretch your money further. So, if you're interested in growing your money, you want your money to to go further, then yeah, make sure you subscribe to the channel, give this video a like, drop down any comments and thoughts about ways that you may be a using AI to help you make more money as

13:56well and help stretch your money further. But let's go on to that third tip that I mentioned because I think it's actually one of the best ways that AI can actually help you with your money. Okay, so the third way that AI can really help you get in control of your finances is by helping you pay down debt. Debt can be one of the most overwhelming and anxiety-inducing things in finance. It can feel like you're out of control, like it's something that will never go away, and that's something that's draining your money that you will have for the rest of your life. I I've been there, and I'm sure lots of you

14:25watching the video have also been there as well, where you're carrying debt and you really feel like it's having a an impact on you. But getting in control of it and paying it down can also be just as challenging and having a plan of how you're going to do that. And that is exactly where AI can come in. With a few simple commands, you can input the information on the debt you currently have and how much interest it's being how much interest you're being charged, and how much you're able to put towards paying that debt down. With those three simple bits of information, you can create a debt

14:56plan that will allow you to follow every single month that helps you pay down that debt over the course of time. Now, of course, things may change and you may be able to contribute more towards that, but what it will do is all of a sudden give you a road map of how you're going to get from where you are now to eventually being debt-free in the future. Let's jump to another command now where I'll show you exactly what output you can get from AI just by

15:19inputting some really basic information. Okay, [clears throat] so we're going to keep this one really basic. You can see with the command that's at the top here what I've inputted. So, let's assume at the moment that your current position is the fact that you have one credit card on the go which has 2,000 pounds worth of debt on it and you're being charged a 20% annual interest rate on that. You've got a second credit card with 1,500 pounds on it and that's being charged at

15:42a slightly higher APR at 22.5%. And then you've got a loan that you might have used to buy a car or some something emergency around the house. That's 7 and 1/2 thousand pounds and you've got a 7% APR on that. So, much higher amount, much lower percentage rate which tends to be the case with uh

16:00with loans. And then the other important information that AI will need to give you a plan is how much money can you afford to pay down every month. So, let's assume that you can put 250 pounds a month towards paying these debts off. And then what we're asking it is, can you build me a month-by-month payment plan using the avalanche method of paying down debt? I have a separate video that I've done on the avalanche method and the snowball method of paying down debt. I'll link that down in the description so you can check that out and see which method right might be right for you. But for

16:28this purpose of this, we're going to use the avalanche method and tell me how much interest that you will save versus making the minimum payments on that debt. So, purposefully I've not even provided all of the information there. So, AI is going to make some assumptions when in this output of how much the minimum payments are to then be able to work out how much you can save. So, if those minimum payments end up being wrong, obviously or you know what they are, you can input them, but I just wanted to leave them out for the purpose of this so it just shows some of the

16:55information that that it spits out. So, it says straight away at the top, you can see from the command, that it wasn't given the minimum payments, so it's had to assume them. What has it assumed? It's assumed on the credit cards the greater of 25 pound or 1% of the balance plus that month's interest is the minimum payment amount on the

17:13credit card. The loan it's assumed that it's got a minimum of 148 pounds a month, which is a 5-year term at 7%. So, that's the minimum on the loan. And then the £250 is a fixed monthly total. Everything goes to the minimums first, and the rest goes to the higher APR, the two credit cards, and then the loans. So, that's what it's assumed to be able to calculate this down below, and that is the that is the way of ultimately being able to to pay that down. So, what has it given us? So, what it's told us is that after 135 months, we will be debt-free. Now, that feels

17:47like a long time when you're paying it down on the minimum payments. If you were to pay it down the avalanche method, putting £250 a month towards that debt, you'd pay it down in 58 months. So, that's over Well, that's less than half of the time that it would have taken you to pay it off if you were paying on the minimum payments

18:05and all the interest you'd accumulate. In that time, you would accumulate about just over 5 and 1/2 thousand pounds of interest, whereas by paying it down of the avalanche method, you'd actually only accumulate just over 3 thousand pounds in interest. So, straight away, you're saving yourself over 2 thousand pounds in interest just by tackling that debt. Now, that's not necessarily something that people someone is maybe able to work out at home just on their own because the debt can feel overwhelming. By putting the information into here, what we've identified is how much money could we save by just making those bigger contributions towards the debt. So, it

18:39will save us that just over 2 thousand pounds. If you then look down here, it gives you all of the monthly payments that you're making towards each of those debts. So, it shows you how much money every single month you need to put towards it, and eventually paying it down over that 58-month period where your last payment would be £39.28,

18:58and you would be completely debt-free. So, not only does it tell you how much money you could save, it also tells you exactly where to put your money every month to achieve that goal that you've set out for yourself. Now, the great thing about this is what you can can do is rerun this again, but increase the numbers. So, let's say you've seen that and you thought, "Do you know what? This is really important to me to pay this down earlier, so I can contribute an extra 50 pounds a month." All you would need to do is put a follow-up command in here to say, "Increase the payments to

19:25300 pounds a month. How much difference does it make?" And it will give you another output and it will show you how much money it saves. So, why don't we do that now? Let's put a prompt in now that says, "Let's add 50 pounds in." So, I'm going to type in there, "Let's change

19:39it. Change the payment to 300 pounds instead of 250, and what difference does it make?" So, let's put that command in there and it will do a whole recalculation for us and work out how much money that we will save across the course of that time. Okay, so we've got an output now and it spat out for us what the difference is and the difference is huge. Just by

20:08adding in an extra 50 pounds a month. So, you can see straight away that first of all, it's from going 58 months to pay down that debt, it drops to 45 months. The total interest you pay drops from 3,200 to 2,213. So, it saves you over a thousand pounds just by adding that 50 pounds a month. So then, overall, the initial saving from what we had back at the top is huge if you were just paying the minimum payment. So, a great example there of how you can get yourself a setup in AI, make some changes and it can help you pay down your debt faster and save you

20:42money in interest. Now, number four is a little bit of a simple one, but a real basic one that can help you progress your finances, and that's just realigning your spending. Now, builds a bit on the budget point that we made in point number two of how AI can help you budget better. It can help find areas where you can save money. Now, for a lot of people, when they want to get in control of their money, they they would like to to to a point where they're able to have fixed amounts of expenditure on certain areas because then they know that it's in control. Well, what you can do is

21:13provide those to AI. So, a great example of this would be the 50 30 20 rule where you spend 50% of your money on fixed costs, but you spend 30% of your money on um savings, investments, future self, and you spend 20% of your money on yourself and doing the things that you want to do. That's a really great thing to aspire towards and get your finances to that point because if you're able to get there, then you're in control of your finance system. So, it would be great to work out what you would need to do to be able to achieve that goal. So, again, by inputting all

21:47of your expenses and all of your income into AI, and you can give the boundaries of where you want to get to. So, I want my fixed costs to be 50%, etc., etc. It can come back to you and show you what your percentage splits are at the moment based on all of the bills you've input, what the percentage splits are at the moment, and then what areas you may need to adjust to get to that target of where you want to get to. So, it might come back that at the moment your bills are actually uh 45%, your savings are bang on 30%, but that your personal expenditure is

22:22actually 5% over what it should be, and it's 25%. So, straight away, it then identifies an area for you to focus on in being able to trim your finances and get that balance slightly better. It really depends on where your finances are set up at the moment and what your goals are, but by inputting that information, you can get a better structure of your money and know that you've got a consistent plan for growing money, not just for paying your bills now, but also growing money for yourself in the future. Things like pensions, investing for retirement, those types of things are really important, and making sure they're built into your finance

22:58system, and you can use AI to help get you the percentages you want to make sure you've got enough money in the future as well as today. Number five is guidance on big purchase decisions. Big purchase decisions can feel really overwhelming. We're talking here about things about maybe buying a car or going on an expensive holiday or any of those kind of real bigger purchases you're likely to make. I'm keeping house out of this cuz this is a little bit a little bit different and it kind of comes into our last point that I'll meant covering this video shortly. But we're talking about those big individual purchases. So

23:31we're going to use a car as the main example for this point. And one of the biggest decisions that comes around to with cars is do you lease the car or do you buy the car? Now there are very much pros and cons of both. We're not going to go into those in today's video cuz we could be here a while and it certainly can be divisive buying and and leasing a car. But where AI steps in is that what you can do is take your current situation, you can input the different scenarios into AI and it will give you a breakdown of how much money you might

24:01end up spending over the course of say a lease versus buying a car over a set amount of time and whether you're likely to be able to save money. And it can also give you some of the pros and cons of each so that you can help make the decision for yourself as to what the right thing is for you. I've done another command for this one so let's jump into it and use it as an example of buying or leasing a car. Okay. So we're back in Claude and we've popped in a very simple command here. So I've just assumed that we're looking to either

24:27lease or buy a run-of-the-mill no-frills VW Golf. So what I've then put in here is that I'm deciding between using a sorry, I'm deciding between leasing a VW Golf for £300 a month over the next 3 years or buying the equivalent car outright for about £25,000. I drive about 7,000 miles a year and I usually keep cars for about 5 years. Can you break down the total cost of each option and the pros and cons of both? So a nice simple command, information you can pull together very quickly to be able to get this command off and give you some guidance if you're looking into a decision like this. So, what AI brings

25:05back is first of all the cost over a 3-year basis because that's the length of the lease time. So, it says at the top, "Based on your 5-year ownership habit, buying probably comes out ahead or roughly level, but the gap depends on a few details of the lease. The figures below are estimates and AI inside this. It's not a financial advisor." So, over the course of the 3 years, you've got the lease contract here would cost you

25:27about £10,800. Now, that's worked out from paying £300 a month for 36 months, the 3 years that you're paying it for. If you were buying the car outright, you would have £25,000 that you would be putting down up front for the car. If you're leasing it, you're likely to have to make an initial payment. It's assumed somewhere between 3 and 9 months to put up front to be able to lease the car. There's no initial payment, obviously, if you're buying the car

25:52because you're just buying it outright. At the end of the contract, your car has no value because you're just giving it back if you were leasing, whereas if you were to then sell it after 3 years, an estimate of roughly £13,000 to £15,000 sell it for. Always worth a check on that. So, this has assumed that a Golf typically loses 40 45% of its value in 3 years. You could very easily check that by going online and seeing if that is true to make sure that that number is is is good for your

26:20calculations. So, then what it does is then it gives you a net cost of the car. So, it comes out at about £10,800 to £13,500 for the cost of leasing worth it [snorts] being versus it being about £10,000 to £12,000 for buying the car because you would buy it and then you would sell it. It then brings in an extra calculation which I don't actually think is is relevant, but we'll cover it anyway because what it does is assume that if you didn't buy this car in this moment, you would leave that money in the bank as the only other option and it would include accrue

26:52interest. I don't think [snorts] that's true. I think if you're looking to buy a car, you're looking to buy a car. So, if you don't buy this car, you're going to end up using some of that money to buy another car. So, that's probably not an accurate representation of including that £3,000 in there that you could have got by leaving the money in the bank, because that impacts negatively the buying decision, because what it says is that by leasing, you could have earned

27:14£3,000 by having the money in the bank. So, I think this number at the bottom here is not as uh not as reflective. Whereas, I think the net cost of the car is actually more reflective here. So, you can see that leasing and buying over 3 years come to roughly the same amount. Now, if we were extend that out over 5 years, that's when it starts to change

27:33slightly. So, if you can see here, if you were leasing the car, it would cost you about £18,000, a full 3-year lease followed by a 2-year one or a new lease at existing prices, um plus a second initial payment. You've still paid the £25,000 if you're buying it. That hasn't changed. The value at the end is still nothing, so you still have no value to the car, whereas you have potentially a 10 to 12 and 1/2 thousand pound value if you've bought the car and you're selling it after 5 years. So, then all of a sudden there's a big difference in the net cost. Again, I'm going to exclude this interest point

28:05that's down the bottom here, because I don't think that it's relevant for the purpose of this. Um so, the net cost of leasing would be somewhere between 18 and 21,000, whereas the net cost of buying and then selling the car would be 12 and 1/2 to 15,000. So, that's when you can really start to see a difference of how much money you can potentially save by buying your car versus leasing. Now, of course, having £25,000 just kicking around and being able to spend it on a car is not necessarily something that everybody has. And if we scroll down, I'm willing to to put money on the fact that in the

28:38buying section, that would be one of the cons. There we go, the top one. Big upfront cash outlay with the opportunity cost of that money. So, a great example there of them where the pros and cons you can use to help steer your decision. So, just an example there of how you can use AI to help you with some of those big purchase decisions. And then point number six is probably the most obvious

28:58one, and that's building a savings plan. It's a really fundamental one that AI can massively help you out with in just a few seconds and save you time having to do all of the calculations yourself. If you're saving up for something, let's use a house deposit probably as the best example, and you know how much money you want to have, you know the time frame that you want to have it in, you can input that information really simply and let AI spin back to you a savings plan that enables you to get to your targets and what sacrifices you may have to make to be able to achieve it. And if we go

29:31back to one of our other points, if you've also input your budget into AI, you've used it to help you craft your budget, help you save money, you can connect those two bits together to help you build a savings plan and feature that within your budget that you're using AI for every month. Then all of a sudden the savings plan can feel less about the big sum of money and more about those little increments that you can pay to eventually achieve that goal. I've recently used a savings done a savings plan myself in AI for a holiday that we were we were looking to book and it was a significant holiday,

30:04we're going on holiday away to Orlando, so not a cheap holiday. So, I took all of the costs and I built that into AI and then built a savings plan and where I wanted to be in terms of the up from payments we needed to be able to pay that holiday without incurring any debt. And it's really useful to be able to help you manage those types of simple savings plans and build plans that enable you to feel like they're actually achievable. So, building a savings plan really is one of the most basic and easy things that you can do in AI to help you achieve some of your goals. So, there

30:36you have it, six ways that AI can help you improve your finances. Whether it be thinking about making big purchase decisions, wanting to pay down debt, building savings plans, and everything in between, AI can be a really useful tool to help guide you on your finances. But, the word guide is probably the most important word in this video. It's not there to do your finances for you, and it's not there to give you financial advice. All it's there to do is take the information you give it and the question you ask it and provide you with information that may answer your question and steer you in the direction

31:10that's best for you. And I think once you get your head around that and understand that it's not your decision-maker, it's information for your decision-making that you make yourself, then you can realize and really unlock the potential of AI as a finance assistant to help you make the most out of your money. Hopefully, you found this video really useful today. I certainly found it an interesting topic to make because I'm someone that uses AI quite a lot in day-to-day life just to help stay on top of things, help control my finances, all those types of things. So, I found it a

31:40really interesting topic to make. Hopefully, some of the prompts were useful. If you've got any other things that you want to kind of chat about in terms of like what you can put into AI concepts, drop them down in the comment section below. I always love hearing other people's ideas and thoughts around how you can use these systems to help improve your money. Um but, other than that, really all that's left for me to say is thank you very much for watching this video, and I'm looking forward to

32:02seeing you in the next one.