Every amateur golfer knows the moment. The ball keeps finding the trees, and somewhere on the back nine, a thought creeps in: Maybe I need new clubs.

You buy the latest driver and walk to the tee convinced this round will be different. It usually isn't. The clubs were never the problem. The swing was.

Artificial intelligence is the shiny new club of personal finance, and it's genuinely impressive. Ask it to model a Roth conversion or compare two funds and you get an answer in seconds that once took an analyst an afternoon.

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