Prompt Crafting Is Key to Safer AI Personal-Finance Advice

AI can summarize financial topics and offer general planning tips, but it's not a substitute for precise math or tax planning and can hallucinate; the quality of advice hinges on prompts—be specific, frame the advisor as fiduciary, and require explicit goals, constraints, tax info, risk, and timeline; use an iterative process with follow-ups to expose uncertainties and sources; a reverse-engineering prompt can help you reuse effective prompts, and always verify outputs with a human professional.