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Forget Budgeting Apps—This AI Prompt Is Smarter, Faster, and Free

Get a personalized money plan with just one prompt—no downloads, no spreadsheets, no stress

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🥯 Today on Bagel Bots:

  • 🤯  The AI War Just Got Real – Meta Drops Llama 4

  • ⚡️ Fresh tech of the day - Police Just Let a Robot Patrol 100,000+ People—Here’s What Happened

  • 📰 The latest AI and tech news

  • 🤖 Cool new apps for you to check out

  • 🧠 Today’s Free Prompt: This 1 Prompt Is Like a Financial Reset Button for Your Life

  • 🤔 Can you guess which image is real and which one is AI? Go vote!

One Big Story: The AI War Just Got Real – Meta Drops Llama 4

Meta has officially unveiled its new Llama 4 AI models, powering the Meta AI assistant on platforms like WhatsApp, Messenger, Instagram, and the web. There are two models now available for download: Llama 4 Scout and Llama 4 Maverick, with a third, Llama 4 Behemoth, still in training.

Here’s the quick breakdown:

  • Llama 4 Scout: Compact enough to run on a single Nvidia H100 GPU and features an impressive 10-million-token context window. It reportedly outperforms competitors like Google's Gemma 3 and Gemini 2.0 Flash-Lite models.

  • Llama 4 Maverick: Comparable to GPT-4o and Gemini 2.0 Flash in terms of capability, yet incredibly efficient, delivering similar results with fewer active parameters.

  • Llama 4 Behemoth (coming soon): With 288 billion active parameters and 2 trillion total, it's set to surpass top-tier models like GPT-4.5 and Claude Sonnet 3.7 in challenging STEM benchmarks.

Meta's shift to a "mixture of experts" (MoE) architecture lets these models use resources more intelligently, optimizing efficiency by activating only necessary components for specific tasks.

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Cool Tech: Police Just Let a Robot Patrol 100,000+ People—Here’s What Happened

At the Chinese Grand Prix in Shanghai, something remarkable happened—and it had nothing to do with the race. Humanoid robots were deployed as part of the event’s security presence, making it one of the highest-profile examples yet of robotics stepping into public-facing law enforcement.

The bots—Unitree’s G1 humanoid and its dog-like companion, the GO2—were seen actively monitoring the crowds at the Shanghai International Circuit. This wasn’t a PR stunt or tech demo. These robots were on duty at one of the world’s biggest sporting events, working alongside human officers in a real-world environment.

China’s not just experimenting—they’re rolling these machines out in front of tens of thousands of people. That’s a strong signal about where they see the future of robotics going: directly into public spaces, workplaces, and eventually, everyday life.

Key takeaways:

  • Humanoid and quadruped robots were deployed by law enforcement at a major global event.

  • This marks one of the most public real-world uses of advanced humanoid robotics to date.

  • China is aggressively moving to lead the global humanoid robotics sector, aiming to mainstream real-world applications fast.

This Asset Class Has Been Uncorrelated to Market Chaos—Here’s How to Invest

Stocks are dropping. Bond yields are spiking. In times like these, investors look to diversify their portfolios. One asset they’ve turned to before? Fine art. Unlike equities, blue-chip art has historically remained uncorrelated through market spikes and swings. According to Masterworks, contemporary art prices have overall appreciated at 11.2% annually since 1995—outpacing the S&P 500 by 32% with near-zero correlation to stocks. In fact, as tariff news began to rock all markets, Sotheby’s and Christie’s hosted two headline art auctions, featuring HNW investors looking to diversify a slice of their overall strategies. Masterworks, the leading art investment platform, makes it easy for all investors to diversify their own portfolios with this historically uncorrelated asset. With 23 exits—all profitable—and investors seeing annualized returns like +17.6%, +17.8%, and +21.5%, it’s no surprise Masterworks has 68,000+ active investors across their 450+ offerings.

Investing involves risk. Past performance is not indicative of future returns. See important disclosures at Masterworks.com/cd.

Interesting News

🧠 Anthropic’s latest research reveals how today’s top AI models explain their reasoning—and why improving that transparency could be key to building more trustworthy AI.

💼 A new UN report says AI could reshape 40% of jobs worldwide—but with the right investments and global cooperation, it could also drive $4.8 trillion in economic growth by 2033.

🎮️ Microsoft just dropped a browser-based, AI-generated version of Quake II using its new Muse model—hinting at a future where AI could help preserve and rebuild classic games.

⚡️ Scientists at Idaho National Lab have built a first-of-its-kind molten salt test loop to help develop safer, more efficient nuclear reactors—complete with real-time sensors and monitoring tech that echo the precision of AI systems.

Go beyond homeowners insurance with a home warranty

If you’re a homeowner, you know unexpected expenses are par for the course. One way to help shield your finances is to get a home warranty. Unlike homeowners insurance, which covers natural disasters and theft, a home warranty could help safeguard you against costly repairs of eligible essential home appliances and systems due to normal wear and tear. Check out Money’s list of the Best Home Warranties and take the sting out of appliance breakdowns.

Fresh Apps

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. You can also use our favorite apps here.

🔗 Spiritme -  AI-video platform for creating personalized videos with digital avatars

🔗 Apollo.io - Find, contact, and close your ideal buyers with over 210 million contacts in one, easy-to-use AI sales platform

🔗  Reve Image - A new AI model trained from the ground up to excel at prompt adherence , aesthetics , and typography .

🔗  Motion -  Create your own AI personal assistants (agents) for every type of work

🔗  Conveo - Uses AI to run and analyze voice & video interviews—unlocking deep qualitative insights at survey-level speed.

Today’s Free Tip: Forget Budgeting Apps—This AI Prompt Is Smarter, Faster, and Free

Struggling to stick to a budget doesn’t mean you’re bad with money—it usually means no one ever showed you how to build one that works for your lifestyle, income, or goals. Most budgeting advice is either too rigid or too generic to be useful in the real world.

You don’t need another “save your coffee money” cliché. You need a plan that fits your situation. That’s why I created this AI Budgeting Mega-Prompt—just fill in a few details, and ChatGPT will generate a clear, customized budgeting strategy you can actually follow (and stick to). Whether you’re running a business, freelancing, or just trying to get ahead, this prompt gives you a personalized starting point that makes budgeting finally click.

Clear Ask:
You are a budgeting expert. Write a helpful, step-by-step guide explaining how to create and manage a budget for [INSERT TARGET AUDIENCE].

Context & Purpose:
This guide will be used to [INSERT PURPOSE — e.g., educate beginners, share in a newsletter, create a social media post, train team members, provide client resources, etc.].

The goal is to provide the audience with clear, actionable strategies to take control of their finances, build financial stability, and reduce stress related to money management.

Detailed Input Requirements (Fill in All Blanks):
Target Audience: [e.g., college students, freelancers, new parents, small business owners, high earners, retirees]

Tone of Voice: [e.g., friendly and supportive, concise and professional, casual and upbeat, direct and no-fluff]

Ideal Length: [e.g., 300-word article, 5-step guide, 10-slide carousel, 1-minute video script]

Key Topics to Cover (optional):
[e.g., tracking income and expenses, choosing a budgeting method (50/30/20, zero-based, etc.), saving for emergencies, using budgeting apps]

Format Preference: [e.g., numbered list, bullets with bold headers, short paragraphs with section titles, Q&A style]

Platform or Use Case (optional): [e.g., Instagram post, blog article, YouTube script, team handout]

Additional Instructions for ChatGPT:
Break down complex financial ideas into simple, beginner-friendly language.

Focus on realistic advice that people can implement today, even with limited income.

Where applicable, include relevant examples, tools, or apps (e.g., YNAB, Mint, Excel).

Emphasize the benefits of budgeting without using fear-based language.

Keep the tone empathetic and empowering—no judgment, just help.

End with a motivational nudge or next step that encourages the reader to take action.

Perfect Output Every Time:
Make the structure clean and easy to follow using bolded headers, short paragraphs, or step-by-step lists. The final result should be polished, clear, and immediately usable without any need for editing.


🤔 Which image is real?

One of these images is real, and one was created with AI. Vote for which one you think is real, and tell us why you voted that way. My only goal is to choose such good photos that the majority of votes are wrong.

Which image is the real one?

Login or Subscribe to participate in polls.

The last edition’s results—59% were wrong!

Did you vote in the poll from April 5th? The top image was real! Go back and see the photos here. So what do you think? Are you getting better at spotting AI vs. not?

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