BiggerPockets Money Podcast - How to Use AI to Reach Financial Independence Faster

Episode Date: January 2, 2026

AI is revolutionizing how we build wealth and achieve financial independence. In this episode, Mindy Jensen and Scott Trench break down exactly how to use AI tools to accelerate your path to FI—from automating budgets and analyzing investments to generating income streams and optimizing your financial strategy. Discover which AI tools actually work for personal finance, how AI is changing job markets and earning potential, and practical ways to leverage this technology today. Whether you're new to AI or already experimenting, learn how to use artificial intelligence as your secret weapon for reaching financial freedom faster. This Episode Covers: How AI tools can accelerate your path to financial independence Practical AI applications for budgeting and personal finance management Using AI for investment research and strategy development AI-powered income generation and side hustle opportunities How AI is changing job markets and what it means for your career Real risks and limitations of AI in financial decision-making Future trends in AI and personal finance How to stay ahead in the AI revolution without getting overwhelmed Whether you're an AI skeptic or enthusiast, you'll walk away with actionable ways to use this technology to reach your financial goals faster. Subscribe to our Weekly Newsletter: www.biggerpocketsmoney.com Follow BiggerPockets Money on Social: Facebook: https://www.facebook.com/groups/BPMoney Instagram: https://www.instagram.com/biggerpocketsmoney/ Learn more about your ad choices. Visit megaphone.fm/adchoices

AI isn't just changing tech. It's transforming how we work, earn, invest, and reach financial independence and early retirement. Today, we're breaking down exactly how we use AI and how this could impact your financial independence. Hello, hello, hello, and welcome to the Bigger Pockets Money podcast. My name is Mindy Jensen. And with me, as always, is my Grock is his AI of choice, co-host, Scott Trench. Minnie, great to be here with my gem and I of a co-host, Mindy Jensen. We haven't talked about AI very much here at Bigger Pockets Money. I think it's kind of been overblown and underblown and the discussions around how it's going to impact finances and those types of things. I think enough time is past now and you and I have both gotten comfortable enough using AI here at Bigger Pockets Money to help us power what we're doing.

We can kind of talk about what we're seeing here and kind of distill the notes that we've gathered from, you know, various research and thoughts from people who are much more, you know, obsessed with the topic of AI, I think, than neither of us. So I think this will be a great discussion. And I think this is a real impact to the fire journey. And I think there's real opportunities here for folks to use this technology to power things forward. I also think there's a lot of unknowns left and that that will get fleshed out over the next two or three years. Yeah. I have historically not been super excited about technology and changes in technology. And it did take me a while to embrace AI just because I don't like tech.

I did a couple of things with chat GPT earlier in the year. I asked it a question. It's like, is this guy blue? And it's like, no, this guy's magenta or like, whatever garbage answer it gave me. And it was like, oh, AI has a long way to go. Like, I'm not even going to bother using it. But then at FinCon this year, so many presentations were focused on AI. And I thought, maybe I do need to start looking at this little bit more. What I'm using AI for is idea generation. Not so much fact finding because they can find a fact about anything if it's true or not. The idea generation opportunities are amazing and finessing the language that I'm using. It's great for specific things and it's really bad at other things. What are you using AI for, Scott?

I'm using it almost all the time and increasing levels. One of the areas that I'm having the most fun with is like a CEO of Bigger Pocket software development was the expense center. It was really expensive. And I kind of described it to you like this, Mindy, like imagine you're trying to to paint a picture, like you're an artist, right, trying to paint a painting. And the process you're using to paint the picture is you tell somebody what you want and you put some parameters around it. And then it goes into the queue for the technology queue and it comes out two to three to six months later.

And it's kind of what you want it, but then you need a couple of iterations. Then you go back and, and, you know, every two weeks you get your next cycle of iterations out of that. That's kind of like what software development used to be like for a big, portion of my career at bigger pockets. Now, that same output is literally I type in a few sentences into the AI and it spits out, like what I'm asking for. And it's not perfect. It's riddled with errors, but I can fine tune it, one prompt after another. And in a day, I can get a working prototype that would have taken me six months. And that is a truly remarkable situation. The AI will then

coach me on how to hook it up to a back end. The resource library is a perfect example of this. there's going to be problems with it, but it's so fast and so quick to get these things out. And then I can iterate and build from there and put in the rest of the building blocks around it. That's incredibly powerful. And I think that's just one example. Another way I'm using AI all the time is I have these theseses, right? So I think we talked about how I'm obsessed with Denver office lately. Like something's going on.

How can you buy a building that's sold for $100 million for $7 million? You know, $100 million bucks a couple years ago just for $7 million today? Well, it's because they're all empty. But like, what does that mean? I can type in my thesis to the AI and get feedback. I say, grade it. It calls out real weaknesses. I can have a quality kind of discourse to beat this thing up.

And then I can bring that polished artifact to a human for that next level of discussion. And that is definitely making me smarter. That is not like me surrendering to the AI or the AI doing all the work. This is a discourse. And I think it's really helpful. The AI is dead wrong on a bunch of stuff frequently. And I go in eyes why. open with that. But it also brings up really good suggestions and thoughts, too. It can be right

and provide data in some cases that challenge things, as long as I am disciplined enough to fact check all of the things that it says. I do that a lot to polish ideas and get them ready for discussion with folks. And I do it a lot with vibe coding. I think it's going to be very powerful in terms of creating great stuff over time. I think you take a humanity doing this at large and you're going to find folks moving much, much quickly, much more accurately over time, especially as the AI gets better at being real about stuff and stops hallucinating. You can trust it a little bit more over time. Well, and with this progress comes some pitfalls, Scott.

I think that's true, but that's like with any technology, right? Like, I think AI is a lot like social media, right? You know, my social media is filled with Jay Scott's posts about the economy, and it's filled with entrepreneurs talking about best practices. It's filled with personal finance and her and sharing what's going on in their lives. It's filled with my friends. And I've largely over time been able to move on from the political crazies on the right and left that used to suck me.

And I could not look away from the super hardcore MAGA or the super hardcore liberal people posting all day just like how much they hate the other party. I couldn't get into that. But like that was bad. But I've moved away from that. My feet is now filled generally speaking with productive stuff. And I think other people can fill their feet up with stuff that's not productive. that's not making their minds. And I think social media has that amplification effect. I think AI

will do the same thing. If you're using AI to better yourself and to really beat up ideas and get feedback and using it thoughtfully and carefully and not trusting what it says implicitly, but using it to question things and then questioning it in turn, I think it's really an amplifier of human capabilities. I think there are probably other uses of AI that are totally unproductive and or that will cripple people. Like if you're using it to write all your papers in high school and never learn how to write, that's going to cripple you for life. And I think that's going to be a really damaging output. It's a tool. It's a power tool. And there are really powerful applications of it. And there are ways to really hurt yourself with it. Yeah. Jobs are going to be massively affected.

Even three to five years ago, technology was the field to be going into. But now it's one of the most affected job markets with the rise of AI. You are seeing this yourself where you had a huge line item in your budget for developers and coders when you were the CEO of bigger pockets. And now you're able to do this same work way faster, weeks, weeks, months faster. And it's not the same types of work. You know, there's certain limitations. But the workflows that I'm able to adapt the AI coding tools to, I can't do some specific things.

I can't do certain full stack stuff that requires deep backends yet. But I can build front end applications in a way that is multiple orders of magnitude, at least two to three orders magnitude cheaper than what used to be the case, you know, for 10 years. That's super recent, right? The latest updates in the last six weeks for AI Studio have made that possible in a way that wasn't possible, even as far as October of this year. So it really is remarkable the pace that this thing is moving at to take simple instructions and build complex outputs, to understand what you're looking for and then spit it right back out to you. It's not perfect. It requires lots of iterations still, but it's getting better all the time.

and it's really powerful and something's changing here. That's absolutely true. In order to build even the MVP's of stuff that we now have in Bigger Pockets money, I would have needed months and hundreds of thousands of dollars at Bigger Pockets to build. All right, we are going to jump out for just a moment, but we'll be right back after this quick word

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How is all of this stuff being generated, Scott? AI runs on electricity and in data centers and these data centers are massive. And I'm starting to see municipalities saying no data centers in our area because of the electric suck that they are. I'm hearing that Elon Musk wants to take his XAI and put those data centers in space. A sister company to his XAI is SpaceX and Starlink. So there's all these interconnections that are happening. Are they going to do it right away? No. But what kind of head start or massive impact will this have on that AI versus other AI when you've got the simultaneous, like all of these juggling plates. You've got the municipality saying no. You've got a data center in space where

the electricity is infinite because they've got the solar panels to, and clearly I am only regurgitating what Carl has said to me because he does the deep dives into this. But you've got solar panels powering these data centers in space with the infinite sun. They can follow the sun around the earth and never have a dark night. There's just so many things to be thinking about. This will give more preference to AI companies that have data centers in space. Maybe if this works out. There's all these moving parts to start thinking about with regards to your investments. Maybe you invest in a company that goes to the moon. Maybe you stay in index funds, which is going to be good because it's going to be in all of them, but you're not going to have that meteoric growth that some other people are making

these small bets on these companies with these huge reward prospects. It's a fascinating time to be here, but it's also a little scary if you're not financially independent yet and maybe your job can go away. I think that's right. So I just talked about my use of AI at a local scale. There's implications all around for what that means, I think, for folks. But if we zoom way out to the highest level, you know, at the beginning of this year, I think there was an assumption that the, you know, the MAG7 and these big AI players would, you know, like chat GPT, would spend, you know, somewhere in the ballpark of $300 to $400 billion on AI infrastructure. That's just the CAP-X.

So this is basically the chips and the relatively minimal cost of building up the data centers. Chips are really the major expense here. That has been pushed up to $400 to $423 billion for the estimate for 2025. So this is a true arms race among these competitors. From my perspective, I think that this is a really big global risk for the economy in the United States. The company's valuations here, because I think there's real problems with this dynamic for their ability to generate future profits, despite the obvious power of the AI that they're building and the applications that I can see personally every day in what I'm using. Here are a couple of risks that I see. First, that CAPEX is going to be

functionally obsolete within a few years. I think Nvidia estimates that their chips are going to be 20 times more powerful than they are now in the next three years. So whatever you're building now, that $400 billion, basically depreciates to zero or close to it over the next two or three years. And so that's a huge problem. You don't have to just generate, you know, a good return, a 10% return in that, you're now going to be competing with whoever buys the next $400 billion in chips in 2026, 2027. And so I think that's reminiscent of airlines to me, to a large degree, right? You know, and Warren Buffett has this famous quote about airlines, I'm going to butcher it. But basically, if you take the total, you know, EBITDA or total

profit of the combined airline industry over the last hundred years is close to zero, even as that investment has unquestionably increased the freedom of travel and quality of life for billions of humans on this planet over that time period. I think AI has a potential to be impactful in that same way while also being a pretty big financial risk for the people who are investing in it. And these guys at the top, like Mark Zuckerberg, they're not like unaware of that risk. I think he has a quote where he's talking about how, yeah, it's a huge risk to invest these tens or hundreds of buildings. Danzeller is an AI, but it's also a huge risk not to invest in there and get left behind by

the competition. And so, you know, I think meta is going to catch up to these other players in the next couple of years on that front. And I think it's going to be an armed race for a long time. So I'm pretty worried about that. And then like what you said, you know, there's a great episode. I listened to the Prof. G with Scott Galloway podcast every once in a while. I really admire some of the things that he does over there. He had a great discussion a while back about the electricity use for AI. And one of the problems with electricity is that when you build a big data center, the demand for power goes up five or 10 percent. It doesn't increase the price of electricity for everybody else by five or 10 percent. It increases it by 50 percent because electricity

grids have fixed infrastructure environments and power plants that provide electricity. And so it does get just a little bit more expensive for that next extra bit of electricity use. It gets a lot more expensive. And I think Americans around the country are seeing their electricity bills going up 30, 40, 50 percent over the course of 2025 to 2026. And with a big portion of that increased demand, being driven by data centers. I really do not think the American population is going to get behind building San outman's or Mark Zuckerberg or Elon Musk's next $100 billion in wealth at the cost of their increased electricity bill. Something's going to change there. And that's going to have a major economic input. That's like there's two inputs to AI, basically, chips and electricity. If one of those

inputs is going up in price at a pretty rapid clip and the other requires a relentless, this poor inflow of just preposterous amounts of cash, that's a problem. So I'm worried about the financial prospects of companies that are generating this cool technology, even as I use it. But I have good reason for that because I move between all the AIs all the time, right? New one comes out over here. It's better. I switch to that immediately.

It's free. You know, even the paid versions are like $100 or $200 a month. It's just not meaningful for the better product at that point in time. I don't really have anything to comment on that because you've put a lot more thought into this than I have. Let's pivot a little bit and talk about careers, Scott. Like I said before, technology used to be the career to go into. And now those jobs are getting spit out by AI, chewed up and spit out by AI.

And people are not keeping their technology jobs. They're having a harder time when they get laid off. They're having a harder time finding another job in technology. What are some ways people can protect themselves with their career when they're not already five? I just read a great book here. It's called Good Economics for Hard Times. And it was really, it's really thoughtful here because, you know, one of the things.

that a free market economist might argue is, well, if the jobs are displaced, people get new jobs, right? And what you find in practice is, you know, people don't move that quickly between jobs, right? It's very hard to get a worker who's been doing something for 15 years to pivot to a new career in there. And there's a cost in society for that. And that the gains from AI are going to aggregate in the hands of a few people who are really able to exploit those opportunities. Maybe it's the same outmans or these billionaire AI folks. Maybe they get crushed via the competitive dynamic I just discussed earlier. And somebody else who uses the tool for free to build a business will make a lot of money.

I don't know what that looks like. But there will be disruption. And those profits will aggregate in somebody's hands at the expense of these other folks. And so I think that the only rational play continues to go back to fire, become financially independent early in life, and make that a priority. It just de-risks all of these situations. And what it does for you is it gives you time to, kind of absorb those hits and those losses and those disruptions, and it gives you the flexibility to actually pursue the opportunities that emerge in a freer way than somebody who can't, right?

Somebody who is not pursuing fire, somebody who's stretched the limit and a living paycheck to paycheck, whether by choice or necessity, and there is going to have a very hard time abandoning that job. They're going to have to double down and double down and double down and work harder and harder and harder and they may just lose. That'll end up in a catastrophic consequence for them versus the person who's pursuing fire and finding that situation harder and harder and harder may move on. Maybe they have a couple months or even for a long period where they're unemployed or looking for the next opportunity, but they'll have their mind open and be able to actually find a winning position that gets behind a tailwind on there. I think there's going to be lots of disruption and

lots of opportunities to seize and those opportunities are going to be seized and realized by a few well positioned, lucky, but also prepared people, and that the disruption is going to be an issue for society to grapple with. How do you deal with all these people that are left behind that thought they were signing up for a 30-year career, or 15 years into it, still have 15 years left in the mortgage, and this disruption is really killing them and their opportunities. That's going to be a challenge that we're going to have to grapple with. And I think that's, I don't know how that's going to end, but I don't think it's going to be as smooth as this idea that, oh, new opportunities will emerge, right? You have people that have been horse and buggy,

driver for 30 years and all of a sudden, everybody gets a car, which is what AI happened here. Those horse and buggy drivers don't just like move on to the next thing immediately. It's going to take them time and that's going to be a challenge. Okay, Scott, that's enough doom and gloom for this episode. Let's talk about how you can use AI on your fire journey. I think one of the greatest ways to use AI is to look at your financial situation, upload your financial situation to your favorite AI. to analyze your situation, analyze your spending, analyze your investments, analyze your entire financial situation, and see what it has to say. It can look at things in a completely unemotional way,

whereas those of us who are human have a little bit harder time separating our finances from our emotions. So just having it be unemotionally looking at your financial situation is a huge win for you. I think that your answer is right, right? Just go in and plug in your challenges, your opportunities. I have no problem plugging in some of my financials to the AI, asking for feedback, and then don't trust it implicitly. But like anything else in life, take what it has to say and say, hmm, there's some good here. There's some real stuff that I wouldn't have thought of that I'm going to modify my plan based off. And there's some wildly wrong crap that this thing is spitting out here because it's that's how it always is. But my experience with AI is a very regular

amount of this stuff is trash. This is not a human, but it is capable of providing very good inputs to a large variety of situations, as long as I'm willing to acknowledge that there are going to be a number of errors. So for example, that health and fitness protocol, we discussed this on a recent episode for New Year's goals. Of course I built parts, huge parts of that with AI. I built most of it based on a book called Bigger, Leaner, Stronger by Mike Matthews. Thank you, Mike Matthews. really appreciate you. You're welcome on the Bigger Pockets Money podcast. Anytime you want to talk about fitness there. Built it based on that. But then I also plugged in a lot of things with AI and kind of helped me customize it. And then I brought that to my doctor. And he was like,

yeah, this is all good. A couple tweaks here and there to fix these things. This one's unnecessary. You don't need that. That's what AI powered with human expertise can do. And I think that that's the answer. And if you do that over time, you're going to find opportunities as long as your position is not precarious. If your position's precarious and precarious, I mean you're living paycheck to paycheck, you're not moving along this path to financial independence. I think the disruption is going to be a real threat to you. But I think if you're using this and you're on the path to financial independence, you're going to find opportunities.

And I think that this community at Bigger Pockets money is very likely to be among, on average, the huge relative winners from AI in society these days. It's just a free way to get better at everything if you choose to use it and maximize its potential. Okay, Scott, you just said two things in the last five minutes that I really want to highlight. You said that all the different AIs are free and get used to using it. So when I first started using it, I was using it incorrectly. Hey, chat GPT, give me an actual fact.

And it would spit out, you know, sometimes it was facts and sometimes it was wildly inaccurate. And as I learned to use it more, I've learned, like, I say please do this. You don't have to say please with chat GPT. but I say, I also, you please, and thank you, because when the AI is the overlord, I want them to remember for my polite manners interacting with them.

Yeah, and I like to give lots of information. I didn't at first. Please give me a list of this. And they would spit out a list. I'm like, well, that doesn't help me at all. Oh, because I didn't give you more context. I know what I'm thinking, but I didn't put more information in there.

So I have gotten in the habit of just kind of brain dumping instead of asking for one thing. I'm like, here's the scenario. Let me tell you all about this. Let me set the scene. And Chachinapit doesn't care that I'm typing a book out because then I get really great information. So I want to tell everybody who's like, oh, maybe I do want to start using it or I haven't used it yet, but I'm interested or maybe Mindy is finally doing it, so I'll do it too. Go onto an AI and create a free account and start learning how it works. start learning what kind of inputs you can put in there to get back the kind of suggestions and

information that you're looking for. I'll ask for sources. Please cite the sources that you've used. Oh, I know this source is factually inaccurate. So I'm not even going to click on that. But then I know that this source is a really good source of information. So I will click on that and, you know, get more information about whatever it is that I happen to be looking. But you're not going to learn how to use it in one day. So start practicing. Plus, it's free. There's a range, right? But, but, you know, the most expensive AI that I can find right now that that, that I would, I would have any chance of reasonably using is the super heavy grok, which I paid for for two months and we'll probably move on from whenever the next one leapfrogs it in there. Like, that's it. Like, that's expensive. But this is not a prohibitive cost for most of these to get it to get basic access for most of these AIs. For most of the people, again, who are listening to a bigger pockets money podcast. You don't have to spend that much money on AI to really begin using it for. many different applications for a pretty high free load. And that's why I'm like, how can this possibly end in the amount of profits that are needed

to justify the valuations of these companies, especially when you know that the next model is coming out six months from the next guy and the next one and the next one and the next one and the next one and the next several years until we reach engineering limits for how efficient chips can be? That could be a while. So this is here to stay. And it's, you know, I'm not prognosticating about what the ramifications of artificial general intelligence are and if we're all going to be in the matrix one day or not.

But for now, there's huge disruption. It's currently here. And the opportunities are immense for those who have the flexibility to go and pursue them. And the threat is real for the folks who don't. All right. I'll be back with some thoughts after this. Tax season is one of the only times all year when most people actually look at their full financial picture, including income, spending, savings, investments, the whole thing. And if you're like most folks, it can be a little eye-opening.

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Visit Northwest Registeredagent.com slash money-free and start building something amazing. Get more with Northwest Registered Agent at Northwest Registeredagent.com slash money free. Thank you for your attention on that prompt break. Welcome back to Bigger Pockets Money. That's a great place to end, Scott. That is really awesome. you can use AI for budgeting. And I think that is an excellent way to use the AI. You upload your budget and you ask it to look for big wins. You ask it to reevaluate your spending and see where your potential holes are. AI can be a really powerful helper, but you shouldn't rely on it completely. Like I said, what I think it does so well is that it separates the emotion from your finances.

And as a human, I'm just not capable of doing that. One other place that I'm using it is I use Khan Academy and a couple of other apps for my three-year-old now. Like some people are like no screens or whatever. I'm like, no, there's going to be screens for her whole life. And to me, it makes all the sense in the world that if you give a kid, you know, 20 or 30 minutes, you know, a couple days a week on one of these apps that is educational, it knows what her skill level is. It knows what she knows. It knows what she doesn't know. It can teach her the level.

It can remind her of the ones that she already knows and those types of sounds. That's really powerful, right? I think education, in a general sense, is really ripe for disruption in the United States of America, and that AI is going to be a central part of that, right? Because, you know, I could see a world in the future where learning happens at the child's individual pace on these individual apps with human intervention, right? Like, I can't just leave my three-year-old and let her play on the app. I'm there with her.

We're just singing the songs together and talking through that. stuff. And there's a lot of evidence that says, hey, that learning is really powerful in these apps if the adult is also cheering them on the kid. It's not just, you know, have this thing will babysit your kid for a little bit. But if you're doing that, I mean, this is a real advantage. It's a real power in education that I think will be really impactful. I'm not sure where that ends or how that goes, but I think there will be great inequality in terms of educational outcomes for folks who are able to adapt this technology to individual outcomes and learning experiences. So, I mean, it's just like, where does that end? I don't know, but there's a really

long tail. This is just getting started. And I think whatever you were typing into chat GPT a year or two ago or a grok or whatever, you're getting a very different output already. And that's going to only continue to change in the next couple of years. Yep. I love that you use Khan Academy, Scott. I like the Khan Academy and the Bro and Sis Math Club. Those are great for teaching math to your kids. It's just great. Teach us how to draw the letters to say them, you know, to recognize the patterns and stories. We were just in the other day, you know, and I was like, I didn't even realize this, but my child did not understand the concept of first in line, right? It's like, it's like, she's doing very well on these other things. How long would I have gone without having an

opportunity to really assess that particular thing? I don't know, but like it knew and it, it taught her that on there. And then she struggled with it. So it brought up again in a few minutes. It was really remarkable to watch her learn that item. Like, I'm not an expert in early childhood education. This thing is, and I can do that along with her. And I can see kind of what it's doing and why it's so healthy for her. Yeah, it can be. But you do want to limit her screens at age three. Of course. Yeah, this is not, we're not hanging out on this for six hours a day, but like 20, 30 minutes, then we go back and play it. Like, this is not, you know, someone out there is an expert may educate me on this, but I've had a really

hard time thinking that that's not anything but really effective development for a little kid. And her brain right now is such a sponge. Shove all that math that you can into her brain. We're very good accountant and all that stuff. I don't, I don't think we're, you know, we're not really getting into any addition. She's, You know, this is not, but it's just like, hey, we're not a couple times a week. So anyways, I'm getting off on tangent, but, but I think, I think that if it can impact you there, it can impact you in your personal finances, I think that, you know, there's every reason to believe that AI can give you a good first draft for then human review

in personal financial planning, in my health plan, in ways to resolve conflict with friends or family. Like, I'm getting frustrated. I type it in, how should I respond? It's like, you bonehead, don't do that, right? And that's a pretty, like an instantaneous thing there. Like that can help, like all those things that helps with in these areas. And I think, you know, you can't get dependent on it.

You can't do it too much with it. But it's a really powerful tool that I think if you can adapt smartly, you're going to have huge advantages. I agree. All right, Scott, this is super fun, but we should get out of here now. I think I've exhausted all of my AI knowledge. Sorry, Mindy. I went on a rant with this.

I got, I really got going here after three cups of coffee. And this is our third podcast we recorded today. Really appreciate it. And thanks for, I guess, in this case, let me. me rant about it for a good chunk of the show today. I thought it was great, Scott. And we would like your commentary. Please email Mindy at biggerpocketsmoney.com or Scott at biggerpocketsmoney.com.

We would love to hear from you about AI or literally anything on your mind. Yeah, educate us on where we need to look into more. I would love to do more research on this and really get clearer on what the implications of this technology are going to be for the personal finance community. Yep. And Scott, another plug for our 31 day challenge. If you want to get a holistic view of your. your financial situation, join our Bigger Pockets Money, DIY personal finance challenge. It is free.

It is a 31-day email challenge every day for 31 days. You will get emails sent to your inbox with a daily task to help you gather up all your information, put it all in one place, think about where you want to be, et cetera, et cetera. And then at the end of those 31 days, take all that information and upload it into one of your favorite AIs and see what they say about your financial situation. So you can join us at Bigger Pocket. money.com slash 31 days. That's biggerpocketsmoney.com slash 31D-A-Y-S. All right, Scott, should we get out of here? Let's do it. That wraps up this episode of the Bigger Pockets Money podcast. He is Scott Trench. I am Mindy Jensen saying,

peace out, Rainbow Trout.