If you scroll through any personal finance forum every year someone will discover the forum and excitedly share their customised budget tracking sheet they built from scratch and it works exactly as they wanted to. How many do you think even get 1 upvote?

Everyone building a software will just mean people can produce code which others might not really care for and might even be particularly be mean. That’s how the Internet works unfortunately.

The current logic seem to be confusing two things. One AI as a technology and wisdom of the crowd using AI. One might ground breaking tech and improve over time while the other might not move the needle at all.

A customized budget tracking sheet is the personal finance equivalent of a programmer showcasing their TODO webapp. Obviously it's going to be incredibly unpopular. Yet, there are popular tools people have shared in personal finance communities.

Very well framed.

> What matters is that it's personalized, free, and isn't an invasive surveillance/advertisement platform

This sounds like an utopian dream. The surveillance is baked into this AI built to create the software. It will be built into the platform used to host and run the software. Why wouldn't AWS want that sweet sweet data to train their models. How many people can really self host? You seem to be overestimating average people's ability to learn how to self host.

Its like saying "we have vaccine related information at our finger tips so there are no longer going to be vaccine skeptics". Existence of information doesn't necessarily lead to application of such information.

The other thing which I feel these kinds of utopian dreams miss is that if something is commoditized and you can't really tell the difference between software A and B - because of AI, there is more incentive for companies to form cliques and raise prices while still delivering commoditized terrible software.

I understand that salaries might have been stagnant and with wages not keeping with inflation it doesn't seem to make sense to continue working.

The stock market often aligns with inflation. After all if the companies growth is not beating inflation what exactly is the point really? But that also comes at the expense of not paying people their due worth and incrementing below inflation rate.

But past returns do not guarantee future results. Stock markets ebbs and flows. It will take a blip, not even a crash, to impact those retirement accounts.

IMO this is a risky idea especially if there are jobs available.

Google can be reasonably expected to not push pirated content to top if someone is searching for the “big hit music download” because they might be held liable for helping people with illegal downloads. But they shouldn’t be liable for misleading people? Being sued for billions of dollars by corporations vs millions by common folks is the difference

There's also a difference between search engine results and this. Google is publishing their own text with false claims, not linking to another page that hosts it.

One can hope it helps Claude to figure out how to solve their buggy payment system - otherwise how do I pay for these credits.

What is the federal budget for military vs education? Which one increases and which one decreases most of the time?

Remind me who is at the forefront of cutting funding to government programs.

The people voting for these administration are the ones cutting government spending and lower taxes and then say “pay more”. With what dollars exactly?

No it's people disliking importing the cultures and problems that made those people worse off in the first place.

Next up Tesla and SpaceX are going to merge and that will another round of synergies where Tesla and Vision AI (in FSD) and xAI.