The article “How to use — and not use — AI in saving for retirement” provides insights on leveraging artificial intelligence (AI) to manage retirement plans effectively. AI can significantly enhance one’s understanding of financial management, starting with fundamental concepts. It can assist in creating personalized retirement strategies, helping individuals make informed decisions about their financial future.

### Using AI in Retirement Planning

1. **Automated Budgeting**: AI-driven budgeting tools like PocketGuard and You Need a Budget (YNAB) can organize expenses, analyze spending habits, and provide insights on how to spend and save more efficiently.

2. **Debt Repayment Plans**: AI chat tools like ChatGPT can create customized debt repayment plans based on debt balances, income, and financial obligations, offering a starting point for financial planning.

3. **Credit Score Management**: Platforms like Credit Karma and Credit Sesame use AI to offer personalized recommendations and advice to improve credit scores.

4. **Investment Strategies**: AI-powered robo-advisers such as Betterment and Wealthfront automate portfolio management, crafting portfolios based on financial goals, risk tolerance, and timeline.

### Not Using AI in Retirement Planning

1. **Legal Content**: AI is not suitable for legal content, as it may produce inaccurate or misleading information.

2. **Engaging Content**: AI-generated content may lack the depth and insight required for engaging and informative articles.

3. **Personal Advice**: While AI can provide educational information, it should not be relied upon for personal advice, such as interpersonal conflict resolution or mental health support.

### Conclusion

AI can be a valuable tool in managing retirement plans, but it should be used judiciously. It is essential to understand the limitations of AI and supplement its outputs with human expertise and verification to ensure the accuracy and effectiveness of financial decisions.