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Tish Talks AI
Chapter 01 — AI for Money

Make smarter financial decisions with AI.

From budgeting to credit card rewards to big-ticket purchases — AI helps you stop guessing and start winning with money.

BudgetingCredit cardsTravel rewardsBig purchasesSaving moneyInvesting researchFinancial decisions
DESCRIPTIONAMOUNTBALPaycheck · 7/1+2,400.002,400.00Rent–1,200.001,200.00Whole Foods–87.001,113.00Utilities–44.501,068.50Netflix–15.991,052.51Coffee run–6.471,046.04Gas–48.00998.04Gym–35.00963.04"AI found $312 in savings"
+$2,400.00
–$312.45
–$87.00
–$44.50
–$211.00
= $1,745.05
WHOLE FOODS
#142 · ATLANTA, GA
07/02/2025 14:32
Org. Spinach$4.29
Almond Milk$5.99
Chkn Breast$11.47
Greek Yogurt$6.49
Sourdough$7.99
Kombucha 4pk$9.99
Subtotal$46.22
Tax 8.0%$3.70
TOTAL$49.92
* THANK YOU *
•••• •••• •••• 4821
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SAVINGS
$1,200 / $2,000
1,745.05789÷456×123–0.=+
Featured Story
A jar of coins with a trail leading toward everyday purchases, representing money gradually disappearing through small recurring expenses.
Money· 5 min read

Where Did My Money Go? A No-Shame Way to Find the Leaks

Wondering where your money went even though you didn’t make any major purchases? Here’s how I use AI to organize transactions, spot spending patterns, and understand my habits without shame.

Prompts

Prompts to Try

Copy and paste these exact prompts. Just fill in your own details in the brackets.

Credit cards

Credit Card Comparison

I have [X] credit cards. Here are the annual fees, rewards, and how I use them: [details]. Help me evaluate whether I should keep all of them, cancel any, or consolidate. My main spending categories are [categories].
Budgeting

Budget Audit

Here are my monthly income and expenses: [list income sources and amounts, then list expense categories and amounts]. Help me find patterns, spot areas where I might be overspending, and suggest 3 specific things I could change to improve my financial situation.
Big purchases

Big Purchase Decision

I'm considering buying [item] that costs approximately $[amount]. My current financial situation: [income, savings, existing debt]. Help me think through whether this is the right time, what questions I should ask before buying, and whether I should pay cash, finance, or wait.
Travel rewards

Travel Rewards Strategy

I want to use credit card points for [destination/type of trip] for [number of people]. I currently have [X points] in [program]. Walk me through the best redemption options, what the points are worth in cents per point, and whether I should transfer to airline/hotel partners.
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Tools

Recommended Tools

The tools I actually use for these tasks.

ChatGPT

Freemium

AI Assistant

The most widely used AI assistant. Great for thinking through problems, drafting, and brainstorming.

Tish's Take

"My daily driver. Not perfect but the best all-around starting point for most real-life tasks."

Perplexity AI

Freemium

AI Search

AI-powered search that cites its sources. Great for research where you need to verify information.

Tish's Take

"Use this when you need real sources, not just AI confidence. Especially good for financial and travel research."

YNAB

Paid

Finance

You Need a Budget — intentional budgeting software that works well alongside AI analysis.

Tish's Take

"The best budgeting system I've found. Use AI to help you interpret your YNAB reports and make decisions."