Money.

This guide explains how to leverage AI, specifically Claude, for personal finance management by downloading bank transaction CSVs instead of connecting accounts directly. The AI acts as a CFO, analyzing spending, identifying areas for cost reduction, renegotiating bills, and finding forgotten subscriptions, leading to significant annual savings.

• Avoid connecting bank accounts directly to AI by downloading transaction CSV files.
• Create a folder for downloaded CSVs and upload it to an AI like Claude.
• Use a detailed prompt to have the AI act as a CFO, analyzing spending, identifying losses, and suggesting cuts or renegotiations.
• The AI will structure the analysis into steps: cleaning data, providing an overview, asking clarifying questions, auditing cost centers, and suggesting actions.
• The AI can also help renegotiate bills by finding current prices and drafting communication for vendors.
• The process can be repeated monthly to maintain financial oversight and continue savings.
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