I think AI is in a similar place as GMOs were 10 years ago. The technology isn’t inherently problematic but the main companies rolling it out seem to be doing so during a banner drop where the banner screams “I’m evil and I intend to burn this place to the ground.” We shouldn’t trust them because they’re practically telling us not to in the same breath they use to promote their products. I would say most of the main models available to the public fall under this boat.
Just like GMOs this doesn’t mean that there’s not some cool AI research being done, for ex. special models run by researchers to improve diagnostics or look for new antibiotics. It remains to be seen whether the cool stuff will have been worth whatever it is we lose.

































I just use a spreadsheet currently. No fancy template or anything basically just a monthly expenditures list into a few categories.
I used/liked Goodbudget (an app based simulation of an ‘envelope system’) for a while. I think it was especially helpful for developing budgets across moves if that makes sense. Not sure what their free features look like nowadays but before you could share it between people so your whole household could see how much was available in the “groceries” ‘envelope’ for example and move money from another ‘envelope’ if they needed more.