@awedjob
Have you read any of Daniel Ariely's books? "Predictably Irrational" is his most popular one. He has written about the cognitive burden financial decisions place on us. He recommends avoiding borrowing money whenever possible, living below one's means, and establishing the habit of saving and investing for the future. He advocates for tracking financial transactions to learn about ourselves.
Why not allow the computers to do the mundane, difficult things? Have AI track our spending and make suggestions on how we could save more or financially align with our values more!