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Hey there!
I think it's important to everyone to do their own due dilligence. In the investment area, the algorithms generated can be unique and it's important to know how it generates your portfolio and if you're comfortable with that.
In general, the needs of people are relatively universal but the approach to it has to be tailored because everyone's life circumstances are different, whether it's a budget or a life stage thing. That being said, it's probably not a either-or choice between AI and human intervention. I still believe there is space for the human touch for better distinction and discernment alongside utilizing AI in the area of personal finance.