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Be A Better YOU With AI

10xYOU: Kickstarting the New Year with AI-Driven Financial Resolutions


Chapter 100: Start 2025 Right!

AI Can Help You Plan The Year

Happy New Year, and welcome to 2025! Well, almost!

Got a few milestones to celebrate!

  1. It's chapter 100! Kudos to all of you who've been on this ride since the beginning and welcome to new faces
  2. It's the last post of 2024! What a crazy year it's been, but I hope that our AI tips and techniques have been helpful
  3. I've hit over 100 sales of my book, Write a Book in One Day (I love how many of our citizens are creators)

Personally, I hate resolutions. I figure that if you are going to do something you shouldn't have to wait for some mythical date to start. But as humans, we like to refresh our behaviors in line with the stat of things.

Which is why the gyms are full on January 2nd.

So here we are, two days before 2025.

The perfect time to think about what you want to change about yourself for the new year.

What are yours?

If you are like most people, its hitting the gym, reading more, or saving money (this is where I come in)

Of course, sticking to them is the hard part.

If improving your finances is on your list, you’re not alone, and guess what? AI can help.

Whether you want to save more, spend smarter, or finally tackle that debt, AI tools are here to help you build habits that stick.

So let’s talk about how you can kick off the year with AI-driven financial resolutions that are realistic, achievable, and, most importantly, life-changing.


TRUE STORY

Meet Chris, a 28-year-old who entered 2024 feeling overwhelmed by debt, rising expenses, and a complete lack of savings. Determined to turn things around, Chris decided to make financial resolutions but didn’t know where to start. That’s when he turned to AI-driven tools for help. By tracking spending, automating savings, and using AI to create a realistic debt repayment plan, Chris saved $5,000 and paid off his high-interest credit card by the end of the year. For Chris, AI wasn’t just about resolutions—it was about creating habits that stuck.


HOW?

  1. Set Realistic Financial Goals: AI tools analyze your income, spending, and habits to recommend personalized financial goals—like saving for an emergency fund, paying off debt, or investing for the future. It takes the guesswork out of deciding what’s achievable and gives you a step-by-step plan to get there.
  2. Track Your Spending and Build a Budget: AI-powered budgeting apps can categorize your spending, identify areas to cut back, and even suggest ways to save without sacrificing your lifestyle. These apps monitor your finances in real-time, helping you stay on track throughout the year.
  3. Automate Your Savings: AI tools can predict your monthly cash flow and automatically move small amounts into savings, so you save without even thinking about it. Whether you’re building an emergency fund or saving for a vacation, automation makes saving easy.
  4. Manage and Reduce Debt: Struggling with loans or credit card balances? AI can create customized repayment plans that prioritize high-interest debts while keeping your monthly payments manageable.
  5. Optimize Your Investments: For those ready to invest, AI-powered platforms offer personalized advice based on your financial goals and risk tolerance. Whether you’re just starting out or looking to grow your portfolio, AI makes investing accessible and data-driven.

LET'S CHAT

YOU: Hey, I want to get serious about my finances this year, but I’ve made resolutions before and never stuck to them. Can AI really help me with this?

AI: Absolutely, and I get it—financial resolutions can feel overwhelming. The key is to start small and let AI take care of the heavy lifting. Let’s talk about your priorities first. Are you looking to save more, get out of debt, or something else?

YOU: Honestly, a little bit of everything. I need to save more, but I also want to get my credit card debt under control.

AI: That’s a great place to start. First, let’s look at your spending. AI tools can categorize where your money is going each month—groceries, dining out, subscriptions—and show you where to cut back without feeling deprived. Even small adjustments can free up extra cash for savings or debt repayment.

YOU: Okay, but saving feels impossible when I have debt. Should I focus on one or the other?

AI: It’s a balance. AI can help prioritize your high-interest debts—like credit cards—while still setting aside small amounts for savings. Think of it this way: building a $500 emergency fund helps you avoid using credit for unexpected expenses, which keeps you from falling further into debt. AI automates this process so you don’t even have to think about it.

YOU: That makes sense. What about investing? I’ve always wanted to, but it seems complicated.

AI: Investing doesn’t have to be intimidating. AI-powered platforms can recommend investments that match your risk tolerance, budget, and long-term goals. You can start small—even $20 a month—and AI will handle things like portfolio diversification and rebalancing. Over time, that small investment can grow into something significant.

YOU: I like that. I just don’t want to lose momentum halfway through the year.

AI: That’s where AI shines! It keeps you on track with reminders, progress updates, and even automatic adjustments to your plan as your financial situation changes. It’s like having a financial coach in your pocket, cheering you on all year long.

YOU: That’s actually pretty motivating. Okay, let’s do this.

AI: Love it! Start with small, actionable goals, and let AI handle the rest. This is your year to take control of your finances, one smart step at a time.

One of the things I love about chatbots like ChatGPT, Grok or Perplexity is that they provide advice based on real human input,and can give you expert advice at any time, day of night.


TOOLS YOU CAN USE

Here are some AI-powered tools to help you kickstart your financial resolutions:

  • Mint: Tracks spending, builds budgets, and suggests saving opportunities.
  • YNAB (You Need a Budget): Helps you create zero-based budgets and stick to them.
  • Albert: Automates savings and offers simple, actionable financial advice.
  • Tally: Helps you manage and pay off credit card debt efficiently.
  • Acorns: Automates small investments by rounding up your purchases to the nearest dollar.

SUMMARY

AI is a game-changer when it comes to sticking to your financial resolutions.

From tracking spending and building budgets to automating savings and optimizing investments, AI tools make it easier to set clear goals and follow through.

This year, don’t just make financial resolutions—stick to them with a little help from AI.

Start small, stay consistent, and let technology help you build habits that last.


TALKBACK

What’s your top financial resolution for 2025? Have you tried using AI to help you save, budget, or invest? Drop your thoughts or questions, my email is below —I’d love to hear how you’re tackling your goals next year!


If you like what we are doing, please share the wealth. Send your friends and family to 10xYOU


Have a great New Years and we'll see you next week.

Best,

Ben Caldwell, Editor, Money Mondays, 10xYOU

You can always email me at ben@10xyou.us

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