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AI just roasted your retirement plan

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I set up my 401(k) back when I worked for AT&T and truly never looked at it again. I picked a few funds and stocks, hoped for the best and trusted that everything was on track. It worked out for me. But now?

With AI peeking over my financial shoulder like a nosy aunt, I’m in deep. I’m dissecting my holdings, side-eyeing expense ratios and even questioning my financial adviser like I suddenly have a CFA.

You might not have the best mix of investments, and sneaky fees could be quietly draining your money. Do what I do. Use AI to get a second opinion, safely and easily.

Step 1: Grab the basics

Log in to your 401(k) or brokerage account and save in a doc. Tip in a tip: In Chrome, put doc.new in the address bar to start a new Google doc.

In there put:

The names or ticker symbols of your investments
The percentage you have in each fund
Any listed fees or “expense ratios”

That’s all you need. Never share account numbers, dollar amounts tied to your name or login info. AI doesn’t need them.

Step 2: Ask AI what it thinks

Head to ChatGPT (or your favorite AI assistant) and type something like: “Here are the funds in my 401(k). Does this look like a good mix for someone who’s 50 years old?”

You’ll get a plain-English breakdown of your risk level, diversification and what your investments actually do.

Step 3: Look for sneaky fees

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Instacart hacks that save you money

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Instacart is convenient, but it could be costing you big. Prices are often higher than in-store, fees add up fast, and substitutions can spike your total. Here’s how to shop smarter and keep your grocery bill under control.

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The Costco gold bar scam

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Gold prices are soaring and scammers are cashing in. Learn how fake FTC callers are tricking people into buying gold bars worth thousands. Here’s how to spot the warning signs and protect your money before you become the next victim.

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