AI Is Changing Me - and the Case for Good Enough
Money For the Rest of Us
J. David Stein
4.5 • 1.4K Ratings
🗓️ 11 March 2026
⏱️ 29 minutes
🔗️ Recording | iTunes | RSS
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Summary
When is good enough actually good enough? AI is reshaping how I work and live. And a member with a portfolio that's beaten an all-in-one Vanguard LifeStrategy fund for ten years asks whether the complexity is worth it — or whether it's time to simplify.
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Show Notes
An update on our model deprecation commitments for Claude Opus 3—Anthropic
Investments Mentioned
Vanguard LifeStrategy Growth Fund Investor (VASGX)
Related Episodes
542: Don’t Take Financial Advice from AI
491: The Five Layers of Investing
419: How to Make Portfolio and Asset Allocation Changes
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Transcript
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| 0:00.0 | Hi, it's David. This week on Money for the Rest of Us, episode 552, I share some positive and negative |
| 0:05.4 | experiences I recently had with AI. And what I would love you to do is stick around toward the end, |
| 0:11.1 | not even the second half of the show, we take a look at it, we build on those initial anecdotes, |
| 0:15.9 | and look at a member's portfolio who's struggling with, should I just allocate to a lifestyle fund, a vanguard fund, |
| 0:23.4 | or should I continue with my more complicated portfolio, with more holdings, more diversified |
| 0:29.6 | portfolio? And we compare the two, performance-wise, and all the inputs that should kind of help us |
| 0:36.6 | decide, recognizing there isn't an optimal answer. |
| 0:40.1 | Most of what we do in life, it's good enough. |
| 0:43.2 | And it has to be that way so that we maintain flexibility. |
| 0:47.0 | We don't become overly fragile or too rigid. |
| 0:50.0 | Those are some of the themes that we explore this week. |
| 0:53.1 | Hey, if you like the episode, please share it with your friends and family. |
| 0:55.7 | We always appreciate when you do that. |
| 0:58.0 | Now, on to the episode. |
| 1:00.2 | Walk into money for the rest of us. |
| 1:02.0 | This is a personal finance show on money, how it works, how to invest it, |
| 1:06.0 | and how to live without worrying about it. |
| 1:08.3 | I'm your host, David Stein. |
| 1:10.2 | Today is episode 552. It's titled, |
| 1:13.4 | AI is Changing Me and the case for Good Enough. About five years ago, I opened an account |
| 1:20.5 | at the brokerage M1 Finance. We used it because it was a handy way to display ETF profiles for some of the example |
| 1:29.9 | holdings that we discussed on the investment guides on the money for the rest of us website. |
... |
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