Matt WolfeFutureTools.io · Founder of Future Tools | Host of Next Wave Podcast

ChatGPT Finance Is Freaking People Out

25 May 2026 · 1 min

Watch on YouTube

0:44

In this brief commentary, Matt Wolfe discusses OpenAI's recent rollout of a personal finance feature within ChatGPT that leverages Plaid to connect users' bank accounts. He explains how the integration enables users to ask ChatGPT for financial insights and guidance directly. Wolfe then expresses unease about OpenAI potentially using the detailed financial data it collects to build an ads‑based revenue model, highlighting concerns about privacy, data concentration, and the creepiness of a single company having deep visibility into users' spending, investments, and travel habits.

Chapters

OpenAI rolled out a new personal finance experience inside of ChatGPT. So this actually allows you to connect your bank details using Plaid straight into ChatGPT, and then you can actually use ChatGPT to learn more about your personal finances and actually get guidance on your personal finances directly in ChatGPT. I'm just not sure how I feel yet about a company who's trying to build like an ads-based business on top of their normal business having details about my finances. Like, if OpenAI knows all of my spending habits, how much money I have available, what I invest in, where I travel, like, that's starting to get into, like, creepy territory when it comes to one company knowing a little too much about me.