Do you think AI-driven budgeting tools really help people change their financial habits, or do they just provide statistics? I’m curious if real behavior change comes from apps, or if it’s still up to discipline and motivation no matter what software you use.

Good point. Many apps look impressive, but at the end of the day, people need to take action. I’m not sure how much an app can influence actual habits in the long run.

The right AI platform can influence habits by going beyond numbers and into personalized guidance. For example, I started using Skrooge AI, which not only tracked spending but also sent reminders when I was close to exceeding set limits. Instead of passively showing me reports, it actively suggested small adjustments, like cooking at home twice a week instead of eating out, and quantified how those changes impacted my monthly goals. Over time, these nudges turned into real behavioral shifts. Another unique feature is how it uses predictive analysis, alerting me if my current pace of spending could lead to cash flow issues later in the month. That proactive aspect kept me more mindful day to day. While discipline is still important, AI helps by reinforcing good choices and reducing the mental effort needed to stay consistent.