Money AI — What It Can (and Can’t) Do Yet
Every week there’s a new “AI for money” startup promising to automate your finances.
Some summarize your transactions. Some forecast your cash flow. Some even write your investment plan.
And they’re impressive — but they all hit the same wall:
AI can’t help you make good money decisions without context.
Ask any generic chatbot whether you should buy bonds or pay down your mortgage and you’ll get a decent, well-phrased answer… that ignores your actual balance sheet.
Your income.
Your timeline.
Your risk tolerance.
That’s the gap in most “money AI” tools: they’re trained on the market, not on you.
What AI can do brilliantly today is translate data into understanding.
It can explain compound interest in plain English.
It can project scenarios if it has the right inputs.
It can spot patterns in spending faster than you can scan a statement.
But the “money AI” we really need is the one that already knows your numbers — securely — and helps you ask better questions.
That’s what I’m building with Ask Linc: a privacy-first assistant that connects to your real accounts and live market data so you can ask things like:
“If I move $20 K from savings into Treasuries, how does that change my retirement runway?”
The future of “money AI” isn’t about replacing advisors or budgeting apps.
It’s about creating a safe space to think through money decisions — with your own data as the starting point.
If you want to see what that looks like, check out asklinc.com.