How to Try ChatGPT's Personal Finance Experience 📈

Welcome to another edition of Horizon AI,

In today's issue, we're taking a look at the new personal finance experience in ChatGPT, which lets users securely connect their financial accounts to get a clearer view of their spending, subscriptions, investments, and more. Once connected, ChatGPT will be able to answer questions using your real financial context and what you’ve shared about your goals, lifestyle, and priorities, helping you spot patterns, understand tradeoffs, and plan for big decisions.

Let’s jump into it!

Read Time: 4.5 min

Here's what's new today in the Horizon AI

• Meta Claims Its Next AI Model Matches OpenAI's GPT-5.5

• Midjourney Wants Hollywood Studios to Reveal Their Own AI Practices

• AI Tutorial: How to Connect Your Financial Accounts to ChatGPT

• AI Tools to check out

• AI Findings/Resources

• The Latest in AI and Tech 💡

AI News

META

Meta Claims Its Next AI Model Matches OpenAI's GPT-5.5

Meta's Chief AI Officer, Alexandr Wang, says the company's next-generation AI model has reached a major milestone, claiming it is approaching the performance of OpenAI's latest flagship models.

Details:

• During an internal meeting, Wang reportedly said Meta's upcoming model, codenamed Watermelon, has caught up with GPT-5.5 on key AI benchmarks, although the specific evaluations were not disclosed.

• Watermelon is currently in training and is said to use significantly more computing power than its predecessor, internally known as Avocado, which became the foundation for Meta's Muse Spark models.

• Wang also said an updated version of Muse Spark is coming soon, with major improvements in coding and agentic capabilities aimed at narrowing the gap with leading AI systems.

Meta has invested heavily in AI talent and infrastructure, with plans to spend up to $145 billion on chips, data centers, and related infrastructure this year. Although that investment has yet to show clear results, Zuckerberg is still pushing ferociously for Meta to get ahead in the AI race.

Source

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MIDJOURNEY

Midjourney Wants Hollywood Studios to Reveal Their Own AI Practices

Midjourney is asking a court to require Disney, Universal, and Warner Bros. to disclose more details about how they use AI, arguing the information could strengthen its defense in the ongoing copyright lawsuit.

Details:

• A magistrate judge allowed the studios to withhold most information involving their AI use, requiring them to hand over only information related to "consumer-facing" AI applications. Now, Midjourney is asking the federal court to overturn that order.

• Midjourney argues the order unfairly lets the studios cherry-pick documents that support their claims, while withholding the very evidence that could show whether they're doing, behind closed doors, "exactly what they're suing Midjourney for doing."

• The company argues that if the studios are internally developing their own models — trained on unlicensed, third-party copyrighted data — that would show it's standard industry practice, even among the studios themselves, to train AI on unlicensed copyrighted content.

• The company also wants the studios to disclose all prompts and outputs they generated with Midjourney, rather than only the examples cited as allegedly infringing.

The lawsuit alleges that Midjourney's AI-generated images unlawfully copied and reproduced the studios' protected characters. Midjourney doesn't deny the allegations but maintains that training AI models on copyrighted material falls under fair use.

Source

AI Tutorial

How to Connect Your Financial Accounts to ChatGPT

Note: The personal finance experience in ChatGPT is available to Plus and Pro users in the U.S. on web, iOS, and Android.

1. Go to ChatGPT or open the mobile app.

2. Select Finances from the sidebar, then click Get started. Alternatively, start a chat and type "@Finances, connect my accounts."

3. Follow the prompts to securely connect your financial accounts through Plaid (with Intuit support coming soon).

4. After you authenticate, ChatGPT will begin syncing and categorizing your data — this may take a few minutes.

5. Once your accounts are synced, you'll see a dashboard showing you an up-to-date view of where you stand across portfolio performance, spending, subscriptions, upcoming payments, and more.

6. Add extra context if you'd like, such as savings goals, upcoming purchases, loans, or other financial priorities.

For example, you might tell ChatGPT: "I'm saving up to buy a car early next year" or "I still owe my parents [X amount] for the loan they gave me." ChatGPT can save that context to your Financial memories to inform future conversations.

You can view or delete these memories at any time from the Finances page.

7. With your accounts connected, you can ask questions like how to reduce your monthly spending, identify recurring subscriptions, understand your cash flow, or plan toward financial goals based on your actual financial information. For example:

• "Help me come up with a plan to save a little bit more in the next few months."

• "Help me build a plan to buy a house in my area in the next 5 years."

• "What did my recent vacation actually cost me?"

• "Can I afford to take a lower-paying job if it gives me more flexibility to be home with the kids?"

• "Look at my subscriptions and help me choose what to cancel."

8. You can disconnect your financial accounts at any time in Settings > Apps > Finances, or from the Finances page.

AI Tools to check out

📸 Monoshoot: Turn raw product photos into studio-grade images.

⭐ Meev: AI visibility tool—get cited in ChatGPT & AI search.

📱 OsmO: Your personal AI phone assistant for iPhone & Android. It answers your calls and makes calls for you.

🐙 Octolens: Social listening for the agent era. Monitor Reddit, X, LinkedIn & 10 more platforms in one place.

✨ IMG2Excel: Image to Excel converter.

AI Findings/Resources

📖 Anthropic's official prompt library for Claude Code

👀 New Google commercial imagines a Declaration of Independence written with help from AI

🔍 Universities are relying on AI-detection software to catch cheating. How well do the programs work?

🤔 Shark Tank’s Kevin O’Leary says if he were 25 today, he’d chase these two booming opportunities in the world of AI

✨ OpenAI's head of Codex says AI still can't get creative design right

The latest in AI and Tech

New Theodore Roosevelt Presidential Library opens in North Dakota

The $450 million project brings the 26th president's life story to life, with a rare look at the pages of his personal diary, a replica of his Elkhorn Ranch cabin, and a display where visitors can speak to an AI-powered avatar of Roosevelt.

Alibaba bans employees from using Claude Code

Alibaba will reportedly ban employees from using Anthropic's Claude Code starting July 10, classifying the AI coding tool as high-risk software. The company is reportedly directing employees to use its own AI coding assistant, Qoder, instead.

Microsoft cuts nearly 5,000 jobs

Microsoft has laid off around 4,800 employees, with the biggest cuts affecting Xbox and commercial sales, as part of a broader restructuring tied to its AI strategy. While the company said the eliminated roles are not being directly replaced by AI, executives acknowledged that AI is changing how work is done and reshaping the organization's priorities.

UN chief calls for global AI rules and stronger safety standards

UN Secretary-General António Guterres called for global governance of AI, urging countries to adopt common safety standards, protect children's wellbeing, and ensure humans remain accountable for decisions involving AI. The remarks were made at the inaugural UN Global Dialogue on AI Governance in Geneva.

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Gina 👩🏻‍💻