Personal Finance in the Agentic Age

For several years, I’ve done a deep dive into my own personal finances once a year. I think of it like an annual review with a financial planner. Except I don’t have a financial planner. I do the review myself. AI has become increasingly useful for helping me with this. A year or two ago, I’d write an intricate prompt that asked the LLM to role play as my financial planner doing an annual review, while I paste in details and answer questions. That general idea still works, but it’s become much faster and easier with modern LLMs and MCPs! This year, I used a simpler prompt and had the LLM do most of the work itself, using an MCP connected to Lunch Money, and the results were Awesome! To get started, I set up a local MCP for Lunch Money. I’ve been using Lunch Money since 2022, and I highly recommend it. It’s a no-nonsense budgeting app built by an indy developer who knows exactly what features it needs to work well and be useful. But one of the best things about Lunch Money is it’s…