> You could replace the AI with a piece of paper […]

This is actually the 'schtick' of a book that was written ten years ago:

> Emails and comments on his blog asked for a real index card with financial advice, so Pollack jotted down nine rules in two minutes, took a picture of it, and posted it online.[1][4] The image went viral, and was covered on many internet news sites.[4][5][6] Pollack and Olen wrote The Index Card three years later, which Pollack compares with the original index card as commentary to the Ten Commandments.[1][7]

* https://en.wikipedia.org/wiki/The_Index_Card

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The original index card, pictured above, has:[9]

    1. Max your 401(k) or equivalent employee contribution.
    2. Buy inexpensive, well-diversified mutual funds such as Vanguard Target 20xx funds.
    3. Never buy or sell an individual security. The person on the other side of the table knows more than you do about this stuff.
    4. Save 20% of your money.
    5. Pay your credit card balance in full every month.
    6. Maximize tax-advantaged savings vehicles like Roth, SEP, and 529 accounts.
    7. Pay attention to fees. Avoid actively managed funds.
    8. Make financial advisors commit to the fiduciary standard.
    9. Promote social insurance programs to help people when things go wrong.

All-in-all, not terribly bad advice; one could do a lot worse.