I Asked AI to Plan My Financial Independence Strategy. It Got 2 Things Completely Wrong.

The author used Claude AI to develop a financial independence strategy to protect against AI-driven income disruption. While AI provided helpful guidance on building a three-tiered retirement plan, it made two significant errors: failing to account for pension income in initial calculations, and recommending tax-exempt municipal bonds for tax-exempt retirement accounts—a tax-inefficient strategy. The experience highlights the importance of using AI as a starting point rather than final authority.