Before Using AI for Money Advice
AI is powerful for "organizing thinking" on household budgets and taxes, but final responsibility for individual investment decisions and tax filing is human's. First decide "what to delegate and what to route to experts."
Money Work AI Is Good At
- Understanding mechanisms: break down overviews of iDeCo, NISA, deductions
- Stocktaking spending: paste statements and surface "cuttable fixed costs"
- Simulation: assumption-varied estimates like "30k yen/month at 3% for 20 years"
- Document pre-reading: have it point out unfavorable clauses in contracts/insurance
What You Must Not Leave to AI
- Individual stock buy/sell decisions: AI isn't licensed for investment advice. Final judgment is yours
- Accurate tax calculation: it invents numbers (hallucination). Finalize filing with a tax accountant or official tool
- Latest systems/tax rates: it doesn't know past the training cutoff. Always cross-check with primary sources
3 Principles for Safe Use
- Mask personal info: don't input account number/My Number/name. Amounts approximate
- Verify numbers with primary sources: back up with NTA/financial-institution official info
- Use it as a "consultation partner": for issue-organizing/option-listing, you make the decision
Usage Pattern
Asking "I'm X years old, take-home Y/month, goal Z. Organize options with each one's merits/cautions and candidate links to official info to confirm" gives a low-omission consideration map.
What This Chapter Covers
Budgeting, tax filing, insurance contracts, asset-building info-organizing, and budgeting-app linkage, in order with concrete prompts.
