The AI-nancial Advisor Will See You Now
Think of it as the financial planner you don’t have to book weeks in advance. AI can walk you through your budget at 2 am, patiently re-explain what “asset allocation” means, and remind you to cancel that subscription. Free, always on, and judgment-free? No wonder the World Economic Forum even predicts AI could help democratize financial literacy.
BUT (yes, we’re yelling) that doesn’t make it a financial fairy godmother. It’s more like a credit card: use it wisely, and it’s a powerful tool. Used recklessly? You’ll be stuck paying for it later.
Curious? Try these tips.
Look at AI-powered apps. Some budgeting and planning apps (like YNAB, Cleo, and Monarch) have additional financial fluency built into their models, so they typically can handle more nuanced questions
Double-check everything. Cross-reference AI’s answers with trusted sources (FDIC, IRS, a financial planner). If it sounds too good to be true, it probably is.
Don’t forget your accounting guy. AI’s financial advice is a bit like a Lafufu: almost convincing, but not the real deal. A Certified Financial Planner? That’s your Labubu. Fee-only planners, who charge for their time instead of your assets, give you personalized guidance when it matters most.
— Anna “Turning Prompts Into Payoffs” Davies, Writer
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Part of being money smart is knowing what’s worth the spend. Our commerce team tests it all — so you only see the picks that deserve your time and your budget. And because everyone spends differently, we pick three different price points to help you find what works best for you.
This week: Workout apps. Sure, you could fire up YouTube and play whatever’s handy, but apps come with perks like tracking your workouts and keeping you accountable.
The free option: Nike Training App
Price: Free
Best for: People looking to level up mind-body connection without opening their wallet. Think: guided workouts, educational modules, and a wide range of classes. No live sessions, but plenty of variety to keep things fresh.
The time-crunched pick: Obé Fitness
Price: $24.99/month or $169.99/year
Best for: Anyone who gets bored fast and craves variety. With signature 28-minute classes and a lineup that spans yoga, HIIT, strength, stretching, and more — all taught by super high-energy instructors — this one keeps workouts short and fun.
The yoga and mindfulness pick: Glo
Price: $30/month or $245/year
Best for: Those ready to turn “occasional yoga” into a daily ritual. One of our editors swears it was the key to building their practice. Bonus: Live-streamed classes to keep you engaged.
Trending products and brands our shopping team has been loving recently.
Your rent’s doing what for you? This program — fresh off a $10.8B valuation — lets you rack up rewards that turn into plane tickets, reformer burn, and rideshares.*
You don't need to spend hundreds of dollars on earbuds. These JLab earbuds are Bluetooth-enabled and have great sound quality — and they're under $20.
Use these multitasking glass containers to cook your meal (they can be microwaved and thrown in the oven), then to store any leftovers. We can't say no to a kitchen hack.
Psst…love our recs? Follow @skimmshopping on Instagram for more products, gifts, and services that are actually worth the hype (and the price tag).
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