In partnership with
Ever spot a charge on your statement and have no idea what it is?
You look up the name, and then you remember. Some app you tried once and never opened again.
On November 13, two of the biggest AI apps both moved closer to your money.
Gemini can now read your Google Wallet. Tag @Google Wallet in a chat, ask what you're still paying for, and it finds the repeating charges and flags the ones that went up in price.
And it can only read. Google says it can't move, manage or invest your money.
ChatGPT went a step further. ChatGPT Wallet lets its dots pay for things for you, and you approve every purchase with Face ID or a fingerprint.
Both are US only. Gemini's is for Gemini app users in the US, and ChatGPT Wallet starts with Pro subscribers there.
(If you read this from outside the US, like a lot of you, neither one is for you yet.)
But the useful part works anywhere, with the chatbot you already use and one file from your bank.
Right after this: how to get that file, the 4 things to delete before you upload it, the prompt that finds the subscriptions you forgot, and where I'd draw the line with AI and money.
Now a quick word from today's sponsor.
Can’t Buy the Next AI IPO Yet? Watch 3 Stocks.
Wall Street is preparing for what could become one of the biggest AI IPOs in history. But ordinary investors may have to wait until shares begin publicly trading to participate directly.
Meanwhile, three publicly traded companies could offer exposure to the AI infrastructure and investment boom surrounding Anthropic. Two are familiar names. The third is a lesser-known company that many investors haven't connected to the story.
A new, free briefing reveals all three tickers, potential entry prices, and a bonus fourth company holding thousands of patents tied to the AI race.
See the three stocks before the next wave of attention arrives. Free briefing, no credit card required.
Right. Back to it.
Get one file from your bank
Open your bank's website or app and go to your transactions or statements.
Look for Export or Download, and pick CSV or Excel if it offers them.
Choose the last 12 months if it lets you. A price rise only shows up when there's an older amount to compare with.
If your bank only gives you a PDF, that works too. But it's a lot harder for the AI to read cleanly.
Delete 4 things before you upload
I'd open the file first and take out:
Your account number or IBAN.
Any card numbers.
Your name.
Your address.
Keep the date, the description and the amount. That's all the prompt needs.
Then use the chat mode that doesn't keep the conversation:
ChatGPT: open a new chat and select Temporary. It stays out of your history and isn't used to train OpenAI's models.
Claude: start a new chat outside a project and click the ghost icon for an incognito chat.
Gemini: on gemini.google.com, click Temporary chat next to New chat.
None of them forget it instantly. OpenAI keeps a copy for up to 30 days and Anthropic for 30 days, both for safety, and Google keeps temporary chats for 72 hours.
The prompt
Here's a file with my bank transactions for the last [12] months. I removed my account details.
1. Find every charge that repeats: monthly, yearly or every few weeks.
2. Make a table: merchant, how often it bills, what it costs now, what it cost the first time, and the month the price changed.
3. Mark anything that looks like a free trial that turned paid, or two charges for the same kind of service.
4. Add up what all of it costs me per month.
5. If you can't tell what a merchant is, say so. Don't guess.Then go down the table and ask one question per line: would I sign up for this again today?
If the answer is no, it goes on the list. And you cancel it yourself, from wherever you signed up.
(In the US with Gemini? Connect Wallet under Personal Intelligence → Connected Apps, tag @Google Wallet and ask for the same table. No file needed.)
The honest part
It will get some of it wrong.
Bank descriptions are a mess of codes and abbreviations, so an AI can call a one-off a subscription or miss something that bills once a year.
And in Claude's new chat experience, incognito chats can't run code, so it adds up the totals without a calculator.
So check every line against your statement before you cancel anything.
Where I'd draw the line
Reading my spending? Yes, with my account details out.
Paying for me? Not yet.
To be fair, OpenAI built ChatGPT Wallet carefully. The shop gets a stand-in card number, not your real one, and nothing goes through until you approve it.
But OpenAI also says it expects people to set spending limits later and let the agent buy without asking each time.
Honestly, that's the part I'd wait on.
If an AI misreads your statement, you lose five minutes. If it buys the wrong thing, you're the one doing the return.
Make it stick
Save the prompt in a note on your phone.
Then put one repeating reminder in your calendar for the first of each month: download last month, run the prompt, cancel one thing.
That's the whole habit.
Your AI meets you as a stranger every time.
Today it's a bank statement. Next week it's an invoice, a contract or a client email.
Every time, you open a fresh chat, explain who you are and what you need, and then fix whatever comes back.
Overpowered is the complete system I run my AI on. Set it up once, and every AI you use starts working like it already knows you.
It's $29 a month.
Talk tomorrow,
Zephyr
P.S. What did it find that you'd forgotten? Hit reply and tell me. I want to know the oldest one.