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Meet APFI: Artificial Personal Finance Intelligence

Updated: Aug 27, 2023

Meet APFI!

The following newsletter was written by Bard and ChatGPT, two Artificial Intelligence (AI) tools. I asked each of them to “write a newsletter covering the basics of personal finance for Walk You To Wealth” and below are the results:

Robot eating money


Personal finance is the management of money to achieve individual financial goals and to secure a comfortable life in the present and future. It involves setting financial goals, budgeting, saving, investing, and managing debt.

Personal finance is important because it allows you to make informed decisions about your money and to achieve your financial goals. It also helps you to protect yourself from financial problems, such as debt and bankruptcy.

Here are some tips on how to get started with personal finance:

  1. Set financial goals. What do you want to achieve with your money? Do you want to save for retirement, buy a house, or travel the world? Once you know what you want to achieve, you can start to create a plan to make it happen.

  2. Budget your income and expenses. A budget is a plan for how you will spend your money. It helps you to track your income and expenses and to make sure that you are not spending more money than you earn.

  3. Save money. Saving money is important for reaching your financial goals. There are many different ways to save money, such as opening a savings account, investing in stocks or bonds, or contributing to a 401(k) or IRA.

  4. Invest your money. Investing is a way to grow your money over time. There are many different ways to invest, such as stocks, bonds, mutual funds, and ETFs.

  5. Manage debt. Debt can be a major obstacle to financial success. If you have debt, it is important to create a plan to pay it off. There are many different ways to manage debt, such as debt consolidation, debt settlement, or debt forgiveness.

By following these tips, you can get started with personal finance and take control of your financial future.


Dear valued reader,

Welcome to our newsletter covering the basics of personal finance. At Walk You to Wealth, we believe that everyone can achieve financial freedom and stability with the right knowledge and tools. Therefore, we have put together this newsletter to help you get started on your journey towards financial success.

  1. Budgeting: The first step to taking control of your finances is to create a budget. This involves tracking your income and expenses to ensure that you are spending less than you earn. You can use budgeting apps or tools like spreadsheets to make this process easier.

  2. Saving: Once you have a budget, the next step is to set aside a portion of your income for savings. Experts recommend saving at least 20% of your income, but any amount is better than nothing. You can automate your savings by setting up a direct deposit or using a savings app.

  3. Debt management: If you have debt, it's important to manage it carefully. Start by paying off high-interest debts like credit cards as soon as possible. Consider consolidating your debts into a single loan with a lower interest rate. You can also negotiate with your creditors to reduce your interest rate or payment terms.

  4. Investing: Investing is a key component of personal finance as it allows you to grow your wealth over time. Start by learning about different investment options such as stocks, bonds, and mutual funds. Consider working with a financial advisor to help you create an investment portfolio that suits your goals and risk tolerance.

  5. Retirement planning: Planning for retirement is essential for long-term financial stability. Start by calculating how much you will need to save for retirement based on your lifestyle and retirement goals. Consider contributing to a 401(k) or IRA account to take advantage of tax benefits and employer matching contributions.

These are just a few basic concepts of personal finance that can help you get started on your journey towards financial success. Remember, the key to financial stability is to create a plan and stick to it. With dedication and commitment, you can achieve your financial goals and walk yourself to wealth.

Thank you for reading and stay tuned for more helpful tips and advice from Walk You to Wealth.

Best regards,

The Walk You to Wealth team.


AI will clearly play a major role in our society going forward and I find both Bard and ChatGPT useful as a quick sources of information and editing; however, I will continue to write from my personal perspective, which can’t be replicated by APFI yet, or until no one wants to read it anymore.

Bonus Material

To further demonstrate some of the interesting capabilities of AI, my kids (9, 11) are currently learning about the revolutionary war and designed these images in seconds using prompts about bagels, cats, generals, George Washington, and red coats in Midjourney, an AI tool dedicated to images:

AI artwork of bagel red coats

AI artwork of cats dressed like George Washington

Disclaimer: The information in this post is provided for your convenience only and is not intended to be treated as financial, investment, tax, or other advice. The information is intended to be educational and is not tailored to the investment needs of any specific individual.  It is also not intended to be relied upon as a forecast and is not an offer or solicitation to buy or sell any securities or to adopt any investment strategy.  The opinions expressed are those of the author.  Reliance upon the guidance and information in this presentation is at the sole discretion of the individual.


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