En lo relativo a las finanzas prefiero tirar de mis propios conocimientos. Hay un consenso claro entre los economistas financieros: estamos convencidos de la falta de una mínima formación financiera en la población. Da pereza, no gusta, pero es necesaria. Tal vez esta herramienta, de cuyo nombre no me voy a acordar, pueda ayudar a quien se niegue a aprender unos mínimos. Ahí va.
How
ChatGPT can help with personal finance management (cointelegraph.com)
How ChatGPT can help with
personal finance management
ChatGPT offers personalized advice on budgeting, investing, debt
management, savings and retirement planning.
Managing personal finances can be a challenge for many
people. With so many financial products, services and investment options
available, knowing where to start or how to make informed decisions can be
difficult.
Fortunately, ChatGPT can help. As an artificial intelligence (AI)-powered
chatbot, ChatGPT can offer personalized advice on various financial topics,
including budgeting, investing, debt management and retirement planning. By
analyzing your financial situation and goals, ChatGPT can provide customized
recommendations and insights to help you make informed decisions about your
money.
Whether you’re looking to reduce debt, save for a down payment on a house
or plan for retirement, ChatGPT can provide valuable guidance and support to
help you achieve financial stability and security.
Budgeting
Budgeting is one of the most crucial components of personal financial
management. Advice and tools for budgeting can be found on ChatGPT. With the
help of individualized budgeting guidance, ChatGPT can assess one’s earnings
and outgoings and offer tailored suggestions for how to make and adhere to a
budget that suits their needs. In order to help individuals manage their money
more skillfully, ChatGPT can also suggest budgeting tools and resources, such
as websites or mobile apps.
For example, if you’re struggling to keep track of your spending, ChatGPT
can suggest tools and apps help you monitor your expenses and stick to a
budget. If you’re unsure about how much to allocate to different categories,
such as housing, transportation and entertainment, ChatGPT can offer advice based
on your income and priorities. Additionally, ChatGPT can provide reminders and
alerts to help you stay on track with your budget and avoid overspending.
Investment advice
Investing is a vital component of managing one’s finances. Based on one’s
financial objectives, risk tolerance and other considerations, ChatGPT can
advise on investments to consider.
For instance, ChatGPT can advise on the best stocks, cryptocurrencies or mutual funds to consider. ChatGPT can also suggest techniques for
diversifying a portfolio of investments to minimize risk and optimize rewards.
The AI tool can also provide alerts and updates on market trends and
fluctuations, helping users make informed decisions about when to buy or sell
investments.
Debt management
Debt management is essential for maintaining financial stability and is
often a significant source of stress for many people. ChatGPT can provide
guidance on how to lower one’s debt and better manage finances.
For instance, ChatGPT can advise on negotiating lower interest rates or
combining debt to make payments more reasonable if users are having trouble
paying off credit card debt. One can prioritize which bills to pay off first by
learning more about debt repayment strategies like the debt snowball and debt
avalanche from ChatGPT.
Debt snowball involves paying off debts in the smallest to largest balance,
while debt avalanche consists of paying off debts in the highest to the lowest
interest rate. Both methods can be effective in helping pay off debt, but which
one to choose may depend on one’s preferences and financial situation.
Also, ChatGPT may offer advice on avoiding additional debt in the future by
giving pointers on how to raise one’s credit score, manage money more wisely
and refrain from overspending.
Savings and retirement planning
Personal financial management includes both saving money and making plans
for retirement. ChatGPT can provide guidance on how to budget for both
immediate and long-term objectives, such as retirement or a down payment on a
home.
For instance, one can inquire about how much money to put away each month
or which savings accounts have the highest interest rates using ChatGPT. In
addition, ChatGPT can suggest methods for budgeting and saving for retirement,
such as making contributions to an IRA or 401(k).