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AI-Powered Budgeting Tips Just for You
I created a master prompt for you to get the financial advice you need directly from AI.
Today on Bagel Bots:
🤯 OpenAI improves their outputs
⚡️ Fresh tech of the day - Microsoft Designer (with AI)
đź“° The latest AI and tech news
🤖 Cool new apps for you to check out
🧠Today’s Tip: AI-Powered Budgeting Tips Just for You
(Read time: five minutes) - Fun fact: I never change this.
OpenAI is getting better, and that’s important for all of us power users.
OpenAI's "Prover-Verifier Games" research enhances the clarity of language model outputs, making them understandable for both humans and weaker models. Optimizing models solely for correctness often leads to solutions that are hard to understand, causing more errors from human evaluators.
Training advanced models to produce text verifiable by weaker models also improved human evaluation. This process, called improving legibility, uses "prover-verifier games," where a "prover" generates solutions and a "verifier" checks them, ensuring outputs are both correct and precise.
Using GPT-4 models, OpenAI trained a strong "prover" to create solutions legible to weaker "verifiers." The training included both correct and incorrect solutions to enhance verifier accuracy. Key findings include:
Models optimized solely for correctness had poor legibility, while the prover-verifier method balanced accuracy and clarity.
Three useful models emerged: a robust verifier, a helpful prover, and a sneaky prover highlighting improvement areas.
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This approach builds trust in AI by requiring clear and verifiable justifications, reducing the need for human demonstrations. It's critical for developing AI systems that are correct and transparently verifiable, enhancing trust in real-world applications.
đź”— Read more about this here.
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No Limits. Just Smarter Investing
Surmount’s AI-driven investment platform unlocks access to hedge fund level investment strategies and insights at index fund prices, empowering you to utilize data-driven investing strategies within any of your existing investment accounts.
Experience the future of investing where advanced tools and unrivaled data meet to give you the confidence and control to conquer the markets.
![](https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/45b3d86c-c4a8-435d-9b22-9d8ad94d8d53/Untitled_design_1_.png?t=1717962180)
Let’s Connect!
Want to connect with me beyond Bagel Bots? You can also connect with me directly on Twitter, LinkedIn, Threads, and Instagram. If you’re new here, you can read past posts and subscribe to Bagel Bots to get caught up.
⚠️ You can now follow Bagel Bots on LinkedIn and Facebook! Get more tips, ideas, giveaways, and prompts directly on your social media feed.
💰 If you’re looking for investors or advisors for your AI product. I’m interested.
![](https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/45b3d86c-c4a8-435d-9b22-9d8ad94d8d53/Untitled_design_1_.png?t=1717962180)
Cool Tech: Microsoft Designer (with AI)
Let me preface by saying that this sure looks A LOT like Canva. If you were to show me this in passing, I would say, “Oh, that’s Canva.” But anyway, meet Microsoft Designer! Here is what you need to know:
Microsoft has launched the Microsoft Designer app, which is now available with a personal Microsoft account. This AI-powered app helps users create and edit content effortlessly by describing what they want to see. Integrated with Microsoft products like Word, PowerPoint, and Photos, Designer supports over 80 languages and is accessible as a free mobile app and web.
New features include prompt templates, custom stickers, personalized cards, and advanced image editing tools like Restyle and Frame Image. Microsoft offers 15 free daily boosts for faster AI-powered creations, with an option to upgrade for more. Emphasizing responsible AI use, Microsoft ensures ethical and safe utilization of Designer, helping users unlock their creative potential.
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đź”— You can get access here.
![](https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/45b3d86c-c4a8-435d-9b22-9d8ad94d8d53/Untitled_design_1_.png?t=1717962180)
Latest News.
My take: I understand why creators would be upset by this. These are public videos open to viewing by anyone, human or not. Shouldn’t it be fair game?
đź”—JPMorgan CEO Jamie Dimon says he'll add thousands of jobs focused on AI in the next couple of years
My take: Good news, right? A powerful CEO who is interested in adding jobs around AI. Why can’t more companies go all-in like this?
My take: A record 62 million tons (Mt) of e-waste was produced in 2022, Up 82% from 2010. On track to rise another 32% to 82 million tons in 2030. That seems terrible, right?
My take: On the one hand, this seems absolutely insane. On the other hand, I could see many people really loving an app like this. We have reached the dead internet theory.
![](https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/90bfa000-4085-462f-ad8b-0cc0c3a5999d/Aspect.jpg?t=1721349781)
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Fresh Apps to Play With
Are you looking to automate your work or life? Want to play with excellent new AI tools? Every post has five new AI apps for you to try for yourself.
Check out these AI apps, and let me know what you think. Reply to this email or tweet me directly.
![](https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/45b3d86c-c4a8-435d-9b22-9d8ad94d8d53/Untitled_design_1_.png?t=1717962180)
Today’s Tip: AI-Powered Budgeting Tips Just for You
Everyone needs personal finance and budgeting advice, but it’s hard to come by. I created a master prompt to get the financial advice you need directly from AI. All you have to do is fill in the placeholders below to get a perfect output from the AI of your choice (I recommend ChatGPT or Claude).
Here’s the prompt for you to save:
I need some advice on personal finance and budgeting. Here are the details of my financial situation:
• Income: I earn $________ per (month/year) from my job and an additional $________ per (month/year) from other sources (e.g., investments, side hustles).
Expenses: My monthly expenses include:
• Housing (rent/mortgage): $________
• Utilities (electricity, water, internet): $________
• Groceries: $________
• Transportation (car payment, gas, public transport, etc.): $________
• Insurance (health, car, home, etc.): $________
• Debt payments (credit cards, loans, etc.): $________
• Entertainment and dining out: $________
• Savings and investments: $________
• Miscellaneous: $________
Goals: My financial goals are to (e.g., save for a down payment on a house, pay off debt, build an emergency fund, save for retirement, etc.).
Challenges: The main challenges I face in managing my finances are (e.g., unexpected expenses, high debt, low income, overspending, etc.).
Based on this information, could you provide me with tailored advice on how to effectively manage my personal finances and create a realistic budget? Specifically, I would like tips on:
1. Identifying and reducing unnecessary expenses.
2. Strategies for increasing my savings.
3. Managing and paying off debt.
4. Planning for future financial goals.
Thank you!
Here’s an example prompt for you to see:
I need some advice on personal finance and budgeting. Here are the details of my financial situation:
Income: I earn $5,000 per month from my job and an additional $500 per month from freelance graphic design work.
Expenses: My monthly expenses include:
• Housing (rent): $1,500
• Utilities (electricity, water, internet, etc.): $200
• Groceries: $400
• Transportation (car payment, gas, public transport, etc.): $300
• Insurance (health, car, home, etc.): $400
• Debt payments (credit cards, student loans, etc.): $600
• Entertainment and dining out: $300
• Savings and investments: $500
• Miscellaneous: $200
Goals: My financial goals are to save for a down payment on a house, pay off my credit card debt, build an emergency fund, and save for retirement.
Challenges: The main challenges I face in managing my finances are unexpected expenses, high credit card debt, and occasional overspending on dining out and entertainment.
Based on this information, could you provide me with tailored advice on how to effectively manage my personal finances and create a realistic budget? Specifically, I would like tips on:
1. Identifying and reducing unnecessary expenses.
2. Strategies for increasing my savings.
3. Managing and paying off debt.
4. Planning for future financial goals.
Thank you!
Please save this prompt and fill in the placeholders with as much information as possible. Remember, you can follow up with questions and answers to drill down deeper. Let me know if it helps you!
![](https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/45b3d86c-c4a8-435d-9b22-9d8ad94d8d53/Untitled_design_1_.png?t=1717962180)
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