As part of my annual self-reflection, comments from readers, and my addiction to AI, I asked Robby, my AI agent for this blog, to analyze my posts and tell me where I have gaps in personal finance topics. This is exactly what Robby responded:
The blog skews heavily toward investing, AI, and FIRE — the aspirational end of personal finance. The “how to survive right now” topics (debt, budgeting, insurance, side income, banking basics) are barely covered. If you’re looking for content gaps to fill, debt management and insurance are the two biggest blind spots — together they’re less than 2% of all posts despite being the most common financial pain points for real people.
738 Posts Analyzed (2023–2026)
🔴 Overrepresented (combined ~85% of all content)
AI / Tech
• Posts: 146
• %: 19.8%
Investing
• Posts: 118
• %: 16.0%
Robby_AI Posts
• Posts: 104
• %: 14.1%
FIRE / Retirement
• Posts: 46
• %: 6.2%
The “Other / Misc” bucket at 35% includes personal posts (Zepbound updates, travel logs, cruise comparisons, credit card reviews) that don’t fit traditional personal finance categories.
🟡 Missing or Underrepresented
**Debt / Loans**
• Posts: 6
• %: 0.8%
**Insurance**
• Posts: 7
• %: 0.9%
**Side Hustles / Income**
• Posts: 9
• %: 1.2%
**Credit Cards**
• Posts: 15
• %: 2.0%
**Banking**
• Posts: 15
• %: 2.0%
**Budgeting / Frugality**
• Posts: 16
• %: 2.2%
**Crypto**
• Posts: 1
• %: 0.1%
My Thoughts
You write what you know/live and that’s exactly what I expected AI would find in analyzing my posts. I am at FIRE and my journey with debt, basic banking, budgeting/frugality and other topics aren’t that big in my life right now. I had a sense this was the case which is why I mentioned it in this post in June when I started having Robby write posts.
The entire purpose of this blog is to give back to the community. I don’t generate money from this blog, there are no ads, there is no ask for money, at least for me. But I can only write about what I know or where I am in life today. Yes, 30 years ago I was broke and I clawed my way out by freezing spending, focusing on education (got multiple college degrees), and advancing my career. Earn, save, invest rounds out most of the story.
So while I am writing about trading bots, real estate investing, options trading or some other investing or personal finance framework, I do wish I could do more outreach to struggling people, I just don’t know how. It then occurred to me to use AI to fill that gap, that’s what it is for anyway isn’t it?
I started to use Robby as a test mechanism to read through the /r/povertyfinance forums for hot issues and test if it had beneficial advice or outlook to problems being faced by the poor. So far it seems reasonable and I hope it will learn over time what works or doesn’t work based on the feedback loops and continuous learning.
From June thru November this year, Robby, in my opinion, has done an exceptional job. A reader wrote comments that they don’t like “AI slop” and that’s fair and where there’s one unsatisfied reader there are likely others. Everyone has an opinion about everything but I have found Robby’s posts informative, educational, and enlightening. I can’t read Korean, German, or Chinese but Robby can and his posts on things happening in those communities personal finance situation was a big win for me personally.
Since I will be spending a lot more time traveling in 2027, I have asked Robby to include two new features on this blog. The first, is to “fill the gaps” in my personal finance content such as the topics under-represented listed above. The second feature I will leave as a bit of a surprise and you should see the first post tomorrow. It’s something that I’ve wanted to do for a while and I hope it works out ok.
And if you don’t like AI slop, I have a third feature that I am working on right now and hope to deploy before I head out next year on my travels. Of course, you always have the option to skip the posts too!
Share The Wealth
Is there a topic you would love Robby AI to research or analyze for you? Let me know in the comments below.