This is the biggest indicator of the divide between the AI-enthusiastic developer and the average person.
The average person isn’t going to want to sit down and spend two days to fine-tune code or a spreadsheet to accomplish this. They want an easy-to-navigate interface that is dead-simple and ready to go with the ability to get an answer done in five minutes or less. If they hit any snags in the first 30 seconds they’ll ditch it and move to the next solution. Why should they have to spend their time creating a duplicate solution when there are so many ready-to-go alternatives already out there? They want the path of least resistance.
I think for people who can quickly understand and describe systems/code, AI is very magical. So many personal projects would be otherwise too tiring except for the 0.1% OSS developer personality that can spend 4+ hours a day working on stuff. Now AI means many projects can be implemented at the speed of thought.
I recently setup Muse (just seems to have the easiest out of the box connectors) to connect to all my accounts over Plaid. I can ask questions like: * Review all recurring transactions. * Show overview of last 12 months of spending by category. * Review last months CC transactions. * Estimate next months expenses.
And then in the same app, I automatically get personal financial and budget information that's actual useful. I can adjust the frequency and type of content just by updating the agent's goal.
I tried using YNAB. It felt so cumbersome compared to just asking AI for the info. I had to make a $300 fake expense to zero out an account minimium balance, I can't treat an investment account as a spending account (without some weird hacks).
Meanwhile, the same AI can cleanup my email inbox, watch my calendar, etc.
And I spent like ~2 days having Claude (over remote-control) create a Monte-Carlo simulation for retirement (including Tax calculations). Works great, I can read the code and make whatever changes I need.
The most friction I still encounter is the connector itself being too opinionated. Plaid's API tries to predict future expenses based on what's detected as a recurring charge; this of course was incorrect if similar Amazon.com charge amounts occur on similar days.
IMO purpose built apps are dead. A sandbox of tools that AI can use is far more flexible. Spending $20/month only needs to replace 3-4 other paid single purpose apps (or identify a single $20 recurring service to cancel) to be net-positive. Plus you don't have to configure it, just ask questions.