As a former financial adviser who's worked with hundreds of people around money, one of the biggest barriers to good financial management isn't the lack of knowledge - it's that gap between knowing what you should do and actually doing it. This gap is created by overwhelm, decision paralysis, fear that money will run out, or shame from comparing yourself to others. This is where AI, when used properly, can remove that friction in ways I've never seen before.

Today, I'm sharing my personal framework for building an AI money coach - not just using ChatGPT for random questions, but creating a personalised tool that actually improves your financial decisions. I'm diving into the three essential elements (context, cues, and clarity), what AI can and cannot do with money, how to build safeguards so you're using it effectively not dangerously, and the exact prompts I use - because the future of personal finance isn't about replacing humans with AI, it's about using AI to bridge the gap between knowing and doing.

00:00 Bridging the Knowledge-Implementation Gap in Finance

02:48 The Role of AI in Financial Management

06:08 Building Your AI Money Coach: The Framework

08:55 Context: Understanding Your Financial Situation

12:09 Cues: Decision-Making Frameworks for AI

18:01 Clarity: Setting Boundaries for AI Interaction

29:56 Practical Steps to Create Your AI Money Coach35:46 The Future of AI in Personal Finance

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Listen to me interview Natalie about AI and the future of money here

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