REVIEWING YOUR SPENDING If you use a budget app to track spending, you likely have a dashboard view that summarizes your spending by category as well as a downloadable list of all your transactions. Upload that information and use AI to help analyze it. But beware of questions that cede your role as the decision maker of your own finances.
Avoid prompts that force a yes-or-no answer, like:
• This is my spending from last year. Can I afford a new car?
Consider prompts that augment your own brainstorming process, like:
• I have a goal to lower my spending by $150 per month next year. Looking at my spending from last year, can you come up with 20 different ways I could save money?
Methodology
This survey was conducted online within the United States by The Harris Poll on behalf of NerdWallet from Oct. 7-9, 2025, among 2,084 U.S. adults ages 18 and older. The sampling precision of Harris online polls is measured by using a Bayesian credible interval. For this study, the sample data is accurate to within +/- 2.5 percentage points using a 95% confidence level. This credible interval will be wider among subsets of the surveyed population of interest. For complete survey methodology, including weighting variables and subgroup sample sizes, please contact press@nerdwallet.com.
Disclaimer
NerdWallet disclaims, expressly and impliedly, all warranties of any kind, including those of merchantability and fitness for a particular purpose or whether the article’s information is accurate, reliable or free of errors. Use or reliance on this information is at your own risk, and its completeness and accuracy are not guaranteed. The contents in this article should not be relied upon or associated with the future performance of NerdWallet or any of its affiliates or subsidiaries. Statements that are not historical facts are forward-looking statements that involve risks and uncertainties as indicated by words such as “believes,” “expects,” “estimates,” “may,” “will,” “should” or “anticipates” or similar expressions. These forward-looking statements may materially differ from NerdWallet’s presentation of information to analysts and its actual operational and financial results.
The article Americans Split on Using AI for Personal Finances originally appeared on NerdWallet.
KURT WOOCK writes for NerdWallet. kwoock@nerdwallet.com
22
Powered by FlippingBook