Yeah, investing over time in such a way to beat the S&P is actually incredibly challenging (having tried it myself). I’m very skeptical an LLM can do better than that unless it has a very large, expensive firehose of data.

It may be that more mundane analysis ends up being the most useful. For example — for years, we had some money in a money market fund earning basically no interest. It just wasn’t on the radar.

Had even a not very smart LLM nudged us to put the money into a HYSA earlier, we would have made thousands per year in interest.

My wife also recently used our tool to do some simple investing optimization that’s going to save us a few thousand per year on taxes.

Thing like this aren’t sexy but do have value, and don’t take GPT Pro.

Correct. That’s interesting — so you explicitly opted out for any non-OAuth institutions?

Hi, just to share - the DevTools experiment was in my initial build for myself, prior to deciding to make it into a product.

Now that would be innovative.

hledger is amazing.

Local AI models are getting a lot better. If you have the capability to run them, you could automate this yourself using your own browser automation, actually. It is rather fiddly, as mentioned in the post, but is absolutely doable, and probably the only option, at least for now, where you wouldn't need to provide your credentials to a third party.

Plaid does do screen scraping for smaller banks, but they have agreements for OAuth-based access with most of the largest institutions.

That's so awesome! You should open source this. Wish we had this in the US, would make things so much easier.

The main reason I do it, at least, is because the insights it provides (as someone who's interested in spending patterns/investing/etc.) are actually quite useful. With even a very basic prompt, I've found things that were otherwise completely missed.

Making it secure is actually quite hard, but that's why we're spending an enormous amount of time thinking about that.

Yeah, I actually agree with you -- this is something that needs a ton of guardrails. It'll take a lot of thought to build correctly.

Yes, give it a try! I did this on my own first before deciding to make it "a thing." It's actually a really fun project and gives you a ton of insight into your finances. I'd recommend it.