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AI just roasted your retirement plan

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
Two numbers, one phone, total control
🧞♂️ Wish granted, kind of: A Virginia widow asked ChatGPT for lottery numbers. It spat out some digits. She won $150,000. And she’s donating all of it. I won’t be surprised if GPT starts getting thousands of new magic number requests per day. You know, a lottery ticket is a weird gift to give someone. It’s like “Here, this has a 99% chance of being disappointing. I saw it and thought of you.”
📱 iOS 26: Go to Settings > Apps > Phone > Screen Unknown Callers. You’ll see two options: Silence, which has always been there, or the new Ask Reason for Calling. With it on, your iPhone will auto-answer unknown numbers, ask the caller to state their name and reason, then ring your phone with that info so you can decide whether to pick up. The best.
CapCut’s hidden side: Think CapCut’s just a video-editing app? Nope, it’s TikTok’s little cousin without seat belts. No parental controls, weak age checks, and kids can run into strangers or even see posts with phone numbers. Docs say it fuels oversharing and self-esteem hits. If your kid’s using it, check their settings, peek at their uploads and talk about what not to share.
⚡️ 3-second tech genius: Want page numbers in Google Docs? Go to Insert > Page elements > Page numbers and choose the position. Docs update them automatically.
⚡️ 3-second tech genius: On YouTube desktop, press 0 on your keyboard to restart a video instantly. Or hit numbers 1 through 9 to jump to that percentage of the playback. Nice.
Everyone ignores this billion-dollar lottery hack
Tomorrow night’s Powerball jackpot is 1.3 billion dollars, but letting the computer randomly pick your numbers may not be the best strategy. Here’s how to improve your odds.
Get Apple’s free iWork Suite: Pages, Numbers and Keynote give you powerful tools for documents, spreadsheets and presentations, all free on Mac, iPhone and iPad. Check it out here.
🚨 Farmers Insurance data breach: Hackers stole data on 1.1 million Farmers Insurance customers. They grabbed names, addresses, birth dates, driver’s license numbers and the last four digits of Social Security numbers, everything they need to steal your identity. Farmers is notifying people, but until then, keep an eye out for phishing scams. They’re coming.
Stop spam calls: On iPhone, go to Settings > Phone > Silence Unknown Callers to send numbers not in your contacts straight to voicemail. On Android, open the Phone app > Settings > Block numbers and toggle Block calls from unknown numbers. Depending on your Android, they might still be able to leave you a voicemail.
🆓 Feeling behind the curve? Get up to speed with NetSuite’s free guide, “The CFO’s Guide to AI and Machine Learning.” Whether you crunch numbers or run the whole show, understanding AI isn’t optional, it’s the future, and it’s already here. Grab your free guide now!
🚑 Add emergency contacts to your lock screen: This lets first responders call important numbers without unlocking your phone. On iPhone, go to Health > Medical ID, add your emergency contacts, and enable Show When Locked. On Android, go to Settings > Safety & Emergency > Emergency Contacts and add them there.
🎭 Clone calls incoming: Scammers just need three seconds of your voice, and boom, you’re “calling” someone to demand urgent wire transfers. AI-generated voice phishing (“vishing”) is scaling fast, with attackers using Vall-E and ElevenLabs to sound uncannily real. Those unknown numbers calling? Don’t yap the usual, “Stop calling me, you dumb SOB.”
🔐 Weak passwords are so last decade: Every single one of your accounts needs its own unique password. No repeats! I know, it’s a pain. But it’s also the best way to keep hackers from turning one slipup into a full-blown disaster. Make your passwords 16+ characters, and mix in uppercase, lowercase, numbers and symbols. Or save yourself the headache and use the password manager I trust to keep everything locked down and organized. One click, and you’re safer online.
🍏 Rename multiple files on Mac: Got a folder full of random file names like IMG_2348? Select them all with Cmd + A, right-click and choose Rename. In the drop-downs, pick Format, then Name and Index and type something like “Hawaii” under Custom Format. Set Start numbers at 1, and hit Rename.
🍟 McHack at McHire: McDonald’s AI job portal leaked data from 64 million applications. Why? Because the login was basically “admin / 123456.” Hackers didn’t need skills (paywall link), just fingers. Names, emails, phone numbers … all up for grabs. The site was built by Paradox.ai, which now has a new definition of “paradox.”
🚨 FBI warns of new phone scam: Criminals are posing as federal agents, telling people they’re about to be arrested unless they pay up. They’re spoofing phone numbers so the calls look like it’s a real government agency asking for money, gift cards or crypto. Hang up and report it.
Trump’s crypto push — July 5th, Hour 1
Will the U.S. be the world’s crypto capital? Here’s what to know before you invest. Plus, streaming fails, Taylor Swift vanity phone numbers, and a viral airport theory. Holly from Phoenix says her brother lost $400K to a Jennifer Aniston deepfake scam.
Spider’s in the server: Qantas just revealed a data breach that hit 6 million customer records. No financial info leaked (phew), but names, birthdays and frequent flier numbers got scooped. The culprit might be Scattered Spider, the cybercrime crew currently doing a full tour of the aviation sector. Expect more airlines joining the hit list.