> You could replace the AI with a piece of paper […]

This is actually the 'schtick' of a book that was written ten years ago:

> Emails and comments on his blog asked for a real index card with financial advice, so Pollack jotted down nine rules in two minutes, took a picture of it, and posted it online.[1][4] The image went viral, and was covered on many internet news sites.[4][5][6] Pollack and Olen wrote The Index Card three years later, which Pollack compares with the original index card as commentary to the Ten Commandments.[1][7]

* https://en.wikipedia.org/wiki/The_Index_Card

"""

The original index card, pictured above, has:[9]

    1. Max your 401(k) or equivalent employee contribution.
    2. Buy inexpensive, well-diversified mutual funds such as Vanguard Target 20xx funds.
    3. Never buy or sell an individual security. The person on the other side of the table knows more than you do about this stuff.
    4. Save 20% of your money.
    5. Pay your credit card balance in full every month.
    6. Maximize tax-advantaged savings vehicles like Roth, SEP, and 529 accounts.
    7. Pay attention to fees. Avoid actively managed funds.
    8. Make financial advisors commit to the fiduciary standard.
    9. Promote social insurance programs to help people when things go wrong.

All-in-all, not terribly bad advice; one could do a lot worse.

Are you kidding? lol, let's take this one at a time:

> 1. Max your 401(k) or equivalent employee contribution.

> 2. Buy inexpensive, well-diversified mutual funds such as Vanguard Target 20xx funds.

> 6. Maximize tax-advantaged savings vehicles like Roth, SEP, and 529 accounts.

What if I told you that the people who own BlackRock, Vanguard, State Street, Fidelity, Northern Trust, and Geode -- six companies who own practically all of the S&P 500 -- have decided they will be emptying out every nickel from your pockets in the near future?

Yes, citizen, put all your money into the index funds especially, and just forget about it. Let the Experts in the casino handle it. You both agree: they know exactly what to do with your money, way better than you.

Thanks to the Experts, your retirement (and life) is now dependent on the performance of Quality Companies like the SpaceX pump and dump scheme, plus other dogs like OpenAI when they join the fray. I'm sure you have nothing to worry about.

By the way, the next giant market crash (1929 style) is imminent as the Everything Bubble has found its needle, so enjoy your window seat on the spaceship to Hell. You buys the ticket, you takes the ride.

> 3. Never buy or sell an individual security. The person on the other side of the table knows more than you do about this stuff.

This is the type of nonsense specialists always tell each other. Generalists have long experience having to deal with this strange mindset that it is only possible for a person to understand one narrow category of things, so everything else must be outsourced to Other Competent Specialists In That Field. Sharks in the financial markets are well aware of this mental weakness and love to introduce things like mutual funds, ETFs, index funds, etc to assure the marks their money is being handled by Competent Specialists who really have their best interest at heart.

Here is what better advice looks like: don't buy/sell any securities unless you, personally, know exactly how and why you're going to profit from it. Anything less is gambling. In this time of economic malaise, war, extreme uncertainty, if you haven't spent decades figuring out what's going on, then you shouldn't be touching any securities at all.

Yes, that means most market participants right now are nothing but gamblers, and the casino always wins.

There's a saying in poker: if you haven't figured out who the mark is in the first five minutes, it's you.

> 4. Save 20% of your money.

Finally, some decent advice. But save it for what? That part is left unanswered. And why only 20%? Saved money is always losing value due to being eaten away by inflation, so like a game of hot potato, you need to figure out a plan to deploy it profitably in a time of increasing uncertainty. In a high inflation environment, if you're not growing, you're going broke.

The correct answer at this moment in time (and good advice in general) is, save your money and invest in one or more proven, profitable, Great Depression-proof businesses that pay you a dividend.

> 5. Pay your credit card balance in full every month.

Better advice: stop borrowing money from sharks, live inside your means, and stop being tracked and owned by whoever owns the credit card companies.

[...]

> 9. Promote social insurance programs to help people when things go wrong.

If you follow all of this bad advice, you're going to be the one needing those 'social insurance programs.'

By the way, insurance is a scam.

Hope this helps.