Trusting AI with financial advice.

It is fast. It is cheap. But does it actually know what you want?

AI tools are everywhere now. They’re fast, free… (almost), and don’t judge you when you admit you haven’t started saving yet. It almost feels like you don’t need a human connection anymore.

But here’s the thing I keep thinking about….

Can you really trust an algorithm with your finances?

Sure, it can do the math. It can project returns, help you set up a budget, and spit out investment strategies in seconds. But it doesn’t know why you’re scared to invest, or that you’re still paying off a car loan you regret, or that your goal isn’t just “financial independence”… and it actually is helping your parents retire comfortably.

These things are not in the data.

And that’s where human advisors still matter. The right one doesn’t just look at your expenses or your portfolio, they ask about your values, fears, and habits. They know that money isn’t just numbers. It’s emotion, experience, and life.

That being said, I do think AI has its place. It’s fast, accessible, and a great starting point if you’re overwhelmed or just getting into personal finance. But when things get complicated? I want someone who sees more than just the numbers on a spreadsheet. And maybe to hold me accountable along the way.

My take?

Use AI as a tool, not a replacement. Money is PERSONAL. Your advice should be too.

-deBuck