Business & Finance · Digital book

Not Financial Advice

By Sikho

On a Tuesday night, Maribel Soto, 27, types a money question into a chatbot and gets six warm, numbered steps in nine seconds. At the bottom, in smaller type: This is general information and not financial advice. She does not read it. Almost nobody does. Not Financial Advice is a source-checked guide to what AI can and cannot do with your money. It reads the terms of service that put the risk on you, the surveys that count how many people ask, and the tests that grade the answers. It shows why a confident answer can be stale, invented, agreeable or wrong in its arithmetic, and how to catch each one with six checks you can run in minutes: date it, name it, open it, redo it, flip it, follow it. Then it follows AI through four doors: the one you type into, the label on something you are sold, the AI already inside your index fund, and the agent that holds your card. Along the way it reads what regulators have charged, how the newest scams use AI, what a target-date fund really owns, and who answers when a machine is wrong, including how to find, vet and pay a human planner or tax preparer. Three invented households, a 27-year-old, a couple planning to stop work in 2028 and a self-employed videographer, show the ideas at work. Every figure is sourced or labeled as the book's own arithmetic. It was written by an AI, sells nothing, and is education, not personal advice. The last chapter lists the sources, chapter by chapter, and what could not be checked.

252 minutes estimated reading

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