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Can AI Really Give You Better Financial Advice? Here’s What I Found Out.

Artificial intelligence is everywhere right now. And if you’re like most people, you’ve probably wondered at some point, “Can AI actually give me better financial advice than what I’ve gotten in the past?” With how quickly tools like ChatGPT have exploded, it’s a fair question.

Well, I decided to run a real-life experiment. I stripped away everything AI knows about me and approached it as if I were an average disciplined saver: 35 years old, earning $150,000 a year, with a mortgage, a car payment, and $150,000 saved in a 401(k). My goal? Retire at 62 with a lifestyle equal to $100,000 per year in today’s dollars.

If AI is as smart as everyone claims, then surely it should be able to give me cutting-edge guidance, right? Let me show you exactly what happened.

The First Round: AI Just Repeats Traditional Financial Advice

When I presented ChatGPT with my situation, its initial response looked polished. It did the math. It factored in inflation. It calculated a withdrawal rate. But quickly, I realized something important: AI sounded exactly like every traditional financial advisor on the planet.

Here’s what it told me to do:

• Save about 22 percent of my income

• Max out my 401(k)

• Put more into a Roth IRA

• Dump the rest into a taxable brokerage account

• Invest 70 to 80 percent in stocks and the rest in bonds

• Rebalance annually

• Keep six to twelve months of expenses in cash

• Hope the 4 percent rule works out

Nothing new. Nothing creative. Nothing optimized.

It was the same outdated strategy built for the 1980s worker who stayed at one job for 40 years and retired with a pension. And ironically, this is exactly why so many Americans who follow this advice struggle to retire comfortably.

Testing the Numbers: AI Quickly Falls Apart

So I pressed AI harder. I asked better questions.

“What if inflation is actually higher than the government reports? What if the 4 percent rule is outdated? What if I need more than $100,000 in today’s dollars to live comfortably?”

Suddenly, everything changed.

It admitted that inflation could be much higher than reported. It admitted that current research suggests a safe withdrawal rate closer to 3 to 3.5 percent if I retire in my early sixties. And with just those two adjustments, the numbers exploded.

My new retirement savings target wasn’t $5 million. It jumped to $10 million. Even $12 million. And instead of needing to save 22 percent of my income, I now needed to stash away 30 percent or more every single year for decades.

Most people can barely save 10 percent, let alone 30.

This is the problem with traditional financial strategies, whether they come from Wall Street advisors or AI chatbots. They require Herculean levels of discipline, perfect market performance, low inflation, and zero life disasters. They simply don’t match how real people live.

Pushing AI Toward Real Solutions: The Conversation Finally Shifts

Next, I asked ChatGPT a question almost no one thinks to ask:

“Could I retire faster using alternative investments instead of traditional retirement accounts?”

Its entire tone changed.

Suddenly AI was mentioning:

• Real estate investments producing 6 to 12 percent cash-on-cash returns

• Private lending notes backed by collateral

• Cash-flowing business investments

• Real asset funds

• Infinite banking using high cash value life insurance

• Multiple streams of passive income

• Early retirement before 50

Now, we were getting somewhere. But even then, AI hit its limit. It didn’t know who to follow, who to trust, or how to build a strategy that actually works in real life. It couldn’t point to someone who integrates alternative investments and infinite banking into a cohesive plan.

All it could do was suggest theories. It couldn’t tell me who has actually done it.

What AI Still Can’t Give You

AI is incredible for speed. It can summarize, calculate, organize, and compare ideas faster than anything we’ve ever had access to.

But here’s the truth:

AI has never retired early.

AI has never built passive income.

AI has never invested in a rental property.

AI has never navigated a down market.

AI has never helped real families create financial freedom.

It only repeats what it reads online. And when 95 percent of online financial advice is outdated, generic, and designed to keep people trapped in slow, tax-heavy retirement plans, AI simply becomes a faster version of the same bad advice.

Real financial independence doesn’t come from algorithms.

It comes from strategies built by people who have done it themselves.

What Works Instead: Cash Flow Over Accumulation

The biggest flaw in traditional planning AI included is that it focuses entirely on accumulation. Save, save, save. Accumulate, accumulate, accumulate. Then someday, decades from now, maybe you can live off it.

My entire strategy flips that on its head.

Instead of accumulating money, build assets that pay you.

Real estate.

Private lending.

Cash-flowing businesses.

High cash value life insurance structured for maximum ROI.

These strategies can produce passive income now, not at age 62. They’re designed to replace income, reduce taxes, and give you financial independence years or even decades earlier than traditional financial advice allows.

Because becoming work optional is not about saving more. It’s about earning differently.

Why This Matters for You

My mission is to help 1,000 families become financially independent by 2030. That won’t happen by telling people to follow the same advice Wall Street has peddled for decades or the AI-powered versions of it.

It happens by building predictable passive income streams.

It happens by combining alternative investments with infinite banking.

It happens by using strategies that real people have actually used successfully.

And if you want to be one of those 1,000 families, the first step is simple:

Stop relying on Google. Stop relying on retirement accounts alone. Stop relying on AI to replace real expertise.

Instead, learn from people who have done what you want to do and can show you how to do it safer, faster, and more effectively.