FULL EPISODE
AI Called Me Broke! The Spending Habits I Didn't Want to See
Mo asks AI why he is always broke and gets roasted by his own spending: food delivery, duplicate gadgets and subscriptions he forgot existed. Beneath the jokes is a practical lesson about understanding where money actually goes.
THE 2¢ BREAKDOWN
- Audit recurring charges and cancel services you no longer use.
- Group expenses by category to spot patterns instead of guessing.
- Use AI to organize a sanitized spending list, but make your own financial decisions.
How to do an AI-assisted spending audit
Export or manually list recent expenses, then remove account numbers, addresses and other sensitive details. Ask an AI assistant to categorize the transactions, flag repeat subscriptions and identify spending categories that have grown. Check its work: automated categories and assumptions can be wrong.
What to do after you find the problem
Pick one or two changes you can sustain, such as reviewing subscriptions monthly or setting a food-delivery budget. The goal is not to eliminate enjoyment. It is to spend deliberately and understand the trade-offs between today's convenience and longer-term goals.
Why small purchases become big budget leaks
A subscription that seems harmless each month can add up across a year, especially when several tools do the same job. Delivery fees and impulse buys create the same problem: each purchase feels minor in isolation, but the pattern can be expensive.