Came across this NYTimes article about folks using AI to evaluate their retirement planning and was wondering if this community has made any use of AI in their FIRE planning.
Full Disclosure: I have not done anything with AI for my FIRE plans but would love to know if you have and how.
Hope this makes sense, and here is the article: https://www.nytimes.com/2026/02/08/business/retirement-planning-ai-chatbots.html
Have you used AI to evaluate your FIRE plans?
byu/azfanboy infinancialindependence
Posted by azfanboy
5 Comments
No and I wish they’d stop pushing dumbass use-cases for AI. “See what your new house will look like, before you move there!”
AI is trained on Reddit, so why bother? I skipped the middleman and just got all my advice here.
Yeah I created my own app to evaluate different FIRE scenarios. I used to do this using spreadsheets but so much easier/better with AI now.
No, because I understand the limitations of AI. The average poster on this particular Reddit is far more equipped to handle a retirement planning question correctly than AI is
I’ll use it as a springboard, just a quicker way to pull what I could search through reddit comments, but I also am not going to trust it.
i.e. I was chatting with it to try to organize my own thoughts regarding strategies in my “messy middle”. Basically everything it gave back were things I was already considering, but it helped put things into discreet bullets. I wouldn’t want to trust it explicitly, and especially for someone that hasn’t spent time understanding directly from sources. I notice a lot of assumptions AI makes that are probably a little to close to fraud when it comes to finances. The chatbots are nice to bounce ideas off of, but similar to reddit comments, I’m not going to trust my financial health/wellbeing on them being accurate.