> certainly better than the majority of personal finance education that people get exposed to unless they seek it out and read a variety of books and sources.

Also, models are now good enough that you can give them chapters from "authoritative" books, and they'll integrate that and come up with better answers even if their "vanilla" answers were average. And they'll tailor stuff to your particular situation. It's funny that the "agentic" stuff is only used in coding mostly, while it can and does work in other fields as well.

As always, you kinda need to check it (at least spot check) but all in all I'd agree it's better than the average stuff you used to find with a quick google search.

Important to note is that what is being measured here is the ability of the models not of the chat tools themselves, which combine model completions with other tools that the models can call upon. The mainstream labs already know this about models, it's no secret, and in fact training materials from e.g. Anthropic are at pains to point out that users, or analysts designing workflows, have the reponsibility to ensure the correct tools are used and that human verification takes place at appropriate stages depending on the risk/consequences of the task at hand.

Of course a language-completion model with a training cutoff date won't have up-to-date information on tax rules or the ability to carry out correct numerical calculations, but when you combine that with (in Claude terminology) web search and code execution tools invoked by the chat agent, you immediately have much more reliable results.