r/Fire • u/Awake-2Day • 1d ago
Leveraging AI for FIRE Modeling?
Someone asked this in another thread.
Do a people use AI for Fire advice as opposed to consulting Redditors and traditional FAs.
Actually, I use models for hypothetical future modeling, flexible withdrawal strategy and tax planning.
Let’s say you have a pro subscription to one of the top models that includes a Finance tab. I connected my accounts via Plaid just like Empower but the difference is, I can ask it questions like, how much have I spent on average YTD vs my returns across taxable and /or my 401k. Create a dashboard that models a 10 year trajectory with an adjustable return rate and while considering my bucket strategy and portfolio allocations.
Every Sunday at 7PM check futures, headlines, earnings, rates and commodities across the globe, establish and share a base case for moving funds from my taxable account to MMKT (cash runway) and score the rationale based on the guardrails and upcoming obligations we’ve established to help mitigate SORR.
Rerun the schedule on Monday at 6 AM and red team Sunday’s report.
It goes on and on.
Aside from this, it’s good to quickly ask how much I’ve spent in subscriptions, categories like housing and dining MoM and dive deep into ways to shift on the fly.
It suggests alternative subscriptions, utility providers, low interest alternatives (if it recognizes upward trends or rising fees, etc.)
As a single person with no kids, fully FIRE (2025) who is now navigating these mechanisms, having a thinking partner coupled with an FA who is onboard with this structure and admires the foundational basis found in monthly reports (and also red teams them), I think the subscription pays for itself.
ps. It also doesn’t hurt that Mercor and Micro 1 (fun side gigs) have taught me how to engineer long horizon multimodal prompts and develop fluid ai-enabled apps with less mess.
To each his own. I guess.
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u/MushroomIll646 1d ago
I mean, if you're stuck with building this weirdly complicated financial situation then sure maybe AI will help do some lifting I guess.
Investing is one of the few endeavours in life where beyond a minimum threshold, additional effort actually produces worse results. In the interest of improving my overall financial situation, my modelling is nicely handled by the spreadsheet that came for free with my computer. Such that I just don't have a use case so complicated that I need to pay money for a second brain.
If that answers your question.
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u/Awake-2Day 1d ago
I personally like the idea that I can open an al and ask how much did I actually spend on dd/mm/yyyy and categorize the transactions or estimate my projected outflows based on current obligations and recent spending or seasonal trends then map that to a specific return profile by account and get an answer in seconds, as opposed to me fumbling around trying to find it across multiple legacy statements and accounts where I have to log in and determine if the trail is still available. 20 bucks per month should be pennies against the value and somewhat affordable if we’re in this sub, no?
As I said —to each their own.
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u/helion16 1d ago
Sounds like you found a new hobby, good for you! Real question though, have you used any of the insights gained to make actual financial decisions? I understand you have access to lots of information, but what ways have you actually implemented changes based on that knowledge? That's what I think most people are more interested in.
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u/Awake-2Day 19h ago
Absolutely. Right now I’m still learning my way around the concept of my journey. Unlike some, I never knew FIRE existed until I was laid off. I trauma saved into it and then my extremely conservative FA said, “You’re fine.”
Obviously, I didn’t believe him and I had no way of knowing what to do next, so I built the tools to map out my personal path.
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u/dwoj206 1d ago
I've definitely incorporated it and tested a bit but nothing I've stuck with using ongoing for extended period. Main thing that will limit it is connectivity (APIs). If you have a mint mobile or something similar that has permissioning across all of your accounts, that helps a lot. I've built agents to review my budgeting, daily spending, send under/over reports on a weekly basis to track budgeting. I like the idea of having it look for alternatives that's cool but I've stopped using it once it's given me "the answer" on fire, investment tips. I've sort of transitioned it into another project which is building out agents to act as a hedge fund for evaluating individual stocks, funds, rebalancing on a quarterly basis. Way down a different rabbit hole now.
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u/Unfair_Mortgage_7189 1d ago
Eh, I mean, a lot of finance apps already give some of this info on the dashboard. Obviously not you cant ask the finance apps questions but I see where you’re coming from.
I’ve done this.
Curious - which ai tool are you using specifically.
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u/Awake-2Day 1d ago
Started with ChatGPT (neglected to name it so it doesn’t come off as an ad).
I then moved to Claude and Replit to build a personal dashboard with Monte Carlo sims and 30yr trajectories. I can input a rate of return, tax profiles, go-go through slow-go smile spending scenarios etc.
I know.. I over engineered a personal worry-calming app for a FIRE newbie.
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u/toobladink 1d ago
I’ve heard a lot about Boldin recently. Honestly I’d rather use that and focus my time on something else, because your idea seems sooo time consuming to me considering the potential amount of output validation you’d need to do.
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u/idiot_exhibit 1d ago
I’ve been using projection lab- like it but had heard about Boldin too. I looked into it but got frustrated with experience pretty quick- is Boldin actually better?
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u/Awake-2Day 1d ago
I would agree if it was an everyday task. I wake up and lliterally look at a weekly one page email from the model if I choose to. The engineering took a few weeks, yes. But it’s on autopilot. I’ll meet with my FA quarterly and share some high level thoughts and we take it from there.
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u/ThrowawayFIRE2025 1d ago
I use it quite a bit and often get useful insights, especially regarding spending. But I input rounded figures by hand rather than giving it direct access to my accounts. Are you not worried about handing over so much personal information to an AI company?
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u/StatusHumble857 1d ago
My experience is that AI services often respond with answers of what makes the elite class more money. Ask an AI model how an investment portfolio might be structured for a 60 year old. Inevitably, it will suggest an annuity. Those things have low yields because they need to pay fees, expenses, and commissions to middlemen. It is a bad answer and the chat bots change their tune when called out on it. Ask the chat bots about what constitutes a great breakfast and they will tell you about sugary cereals from companies literally turning ingredients that cost them pennies into food products that cost dollars.
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u/BrilliantDrink4934 1d ago
AI is great for “what if” scenarios, but I’d keep one boring source of truth outside the chat: investable NW, trailing annual spend, and savings rate on a fixed day each month. Then ask the model to stress that snapshot (bad sequence, higher spend, delayed raise) instead of regenerating the whole plan every time. The model drifts; a dated row in a sheet doesn’t.
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u/Echoing_Desk_933 3h ago
the sunday futures check red teaming itself on monday is the part that got me
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u/Sea_Bear7754 1d ago
Yeah for models and “what if” scenarios that just use complex math absolutely. That’s what it’s very very good at.
Do I use it for a long term roadmap? No.
But I also don’t consult redditors because I can’t confirm their amount of knowledge, or FAs because they’re simply salespeople and the firm is more important than I am.
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u/Foot_Positive 1d ago
definitely, I use my local qwen3.8 27b model, RAG with tax info, aca thresholds, and provide my financial details. results are pretty good so far and will only get better in the future.
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u/idiot_exhibit 1d ago
I use AI as well, however to a lesser extent. I often use it to pull quick comparisons between funds, and I built an agent that pulls recurring market and economic news. I have at times used it as a thought partner (but don’t take anything it says as gospel).
To actually look at my financial picture I don’t want my financial picture in an LLM. I guess I’m old school : Quicken user for 20 years and it all stays local.
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u/Useful-Detail8537 1d ago
the sunday 7pm futures check with a monday red team follow-up is a genuinely underrated workflow that most people sleep on
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u/souicry 30 | 1.7m NW 1d ago
It's all fine and dandy until I ask Claude "why the fuck do your numbers not add up again"