Hi everyone! You're on the ToTheMoon channel — tech news and insights from Silicon Valley and around the world. Right now, how to put it? From Los Angeles to Silicon Valley. I'm heading north to Silicon Valley, going back home, and today I want to take you on a tour of one very specific topic which at first may seem useful only to those who have some kind of business, but in reality it can help absolutely every person get their finances in better order, using, of course, artificial intelligence technology, modern artificial intelligence systems.
Today I'll go a little broader and give you cases that, well, really every person today will be able to launch, even someone who has good, good financial discipline, their own financial discipline. We have landed in and, well, are moving through an absolutely new world of new business cases, personal cases, of using and applying artificial intelligence, and of understanding our lives in general. And in this case, it's financial literacy. Why did I decide to record this episode for you? Because literally the day before yesterday, walking along Laguna Beach, that's Orange County, a little south of Los Angeles, with a close friend of mine.
She has started doing a lot in Codex to expand her business and has become incredibly happy with it. And of course it's always very pleasant for me. Those of you who like the ToTheMoon channel and watch it and get involved because of it, her included — support the channel, don't forget to do that now. Likes, comments, and be sure to describe your own cases about financial discipline, yes? That's very interesting. Write in the comments. But what's the point? I told her the following: "Take it and start keeping financial records through Codex or through Claude Code." I've talked about this to everyone several times.
And some of you wrote in the comments that today we have no way to integrate Codex and Claude Code with financial banks. Whereas such an option exists, for example, in the US or in some countries. Let me remind you that if you live in the US, ChatGPT lets you integrate, through the Finance module, with essentially all financial institutions. I really want to give you a concrete case. So, once again, look. I'll start by talking about whether you have a small business, or you're some kind of sole proprietor, or you do independent work for someone and sometimes get small amounts of money.
Or you run, it doesn't matter, some tutoring, or you have a small business with ten, twenty, thirty people working in it. Whether you're in trade, goods or services. I'll start with this example, it's very widespread, big, yes, like that. All these people who are self-employed in something. But basically I'll keep stepping aside now and then to show you examples from personal finances, yes? Because I'll then connect it to how you spend money on renting an apartment, for example, or on school fees, or on food at home, or pay for utilities, or parking, or something else.
I'll show you very interesting new aspects of thinking. So, what is the system? Very important, yes? We are now moving into a new world of automation, and this is for a while — in a year the systems will be different. We'll literally talk about that in the upcoming episodes. But OpenAI has announced that they now have something like a new library or a new direction of artificial intelligence development for hardware and for creating some specific devices. So that's the future era. But right now, within finances, we'll look at a short-term, short-term point — where we are now. So what can you do?
Look, some of you may have accountants, some of you may have your own habitual system of keeping finances in Excel. Some of you may even have financial staff working for you, yes? Those who have twenty, thirty, forty people in the company. For them too, what I'm about to say is a very useful realisation now. In fact, in today's world people rarely know how to properly handle financial accounting. And I'll tell you now how to build this kind of super-duper financial accounting. And the goal isn't that you, as I told my friend: "Tomorrow you'll already be able to build yourself reporting to international standards."
She says: "I don't need that." Well, that's just how I put it. You can build it to international standards. You now have the opportunity to do it very easily, so that you can assess your business or your venture, or your overall financial life situation at any moment, very easily. It's not so you worry more or worry less, but so that you get a new tool. And on top of that it's quite interesting, look. So what do you need to do?
You need to load into the system, to set up, essentially two things. First: you need to give Codex or Claude Code or, I don't know, Gemini, if that's what you work with, the ability. Of course you should have some paid version, yes, of one of these. Let it be a cheap paid version. You can probably even load it into a free solution, and for many that will be enough, and the system will calculate everything for you for free. But I recommend doing it from the start on a good model with a good level of thinking, yes, or reasoning, or of how effectively the system works.
Yesterday a friend of mine here, he'd heard a lot about financial systems and started automating financial systems. At some point he says: "Well, dumb ChatGPT Codex doesn't understand anything." And I tell him: "What model do you have set?" He says: "Oh, it's some lightest model." So, so that you don't accidentally run into such things, set a better model at the start. So pick six one Sol or six Astra and choose Extra High or Max mode. Well, something like that, yes? Or in Claude Code, Opus five five or Fable five one. And choose Max mode too for this specific task.
Your task is to integrate with your current expenses. Which current expenses? Look, I'll explain this very thoroughly here. Believe me, you don't need me to open my Codex or Claude Code right now to explain this. What matters is that you live through it yourself. What I'm about to tell you will be enough. On the besolid.com site there's a big ToTheMoon section. It always has the transcripts of this episode. They appear with a delay of, say, about a day. You can take this story and drop it in, including as instructions for Codex or Claude Code on what to do.
Look, yes, this whole episode will be transcribed, you can just take it and say: "Don't miss what Alexander Volchek was talking about. It'll be a great idea for your perception, for understanding what's going on." So write this down, by the way. It's a really useful case. I just realised, damn, so that's why it's useful to have a transcript even of an episode. Which integrations do you need to set up?
Look, depending on the country you live in, you won't always be able to set up some kind of connector with your bank. And besides, you don't always want to give the bank full access so that it can make payments. So your goal, after all, is that Codex or Claude Code cannot pay, that it can only read. And if your bank doesn't allow read-only access, see whether you can email yourself all the transactions or send yourself statements with completed transactions, yes? If that can't be done, well, then you'll have to, I don't know, upload those statements manually once a week for now. There's no problem with that.
Set aside for now how you'll do it in the future and how much time you'll have to spend. That doesn't matter. It shouldn't be a stopping factor in building such a system for yourself, because many people, when automating their finances, start going too deep into how they'll keep doing it every day. Your task now is essentially to start using a new use case, yes? Not to worry about certain difficulties. Look, most businesses today, small ones, or people's self-employment, or sole proprietorships, are built on the kind of financial accounting where all the transactions sit in banks.
First, there are a lot of manual operations, or you pay for something from your personal accounts, or some of your partners, friends or companies may pay for you. That's absolutely normal. It's a question of how you keep your bookkeeping later. But you often need an assessment here and now. For example, maybe someone owes you money, and they pay, I don't know, your rent, yes? And you pay for something else for them. And you want to account for that somehow. Or those people who work as sole proprietors, no matter in which country, whatever this form is called where you are, yes?
Self-employed, or sole proprietor — then you often say: "It makes no difference to me how the financial accounting goes. My business is my life, and everything I spend anyway, I'll account for, I won't really account for it, I'll just look at the end at roughly how much money I made, give or take." Now you have the opportunity to account for it. So your task from today is, having loaded in all these financial systems, different banks, various payment systems through which money may come in to you.
Or imagine someone pays somewhere on your behalf, and people often ask each other to pay, especially in today's world, in different countries — that's very important, yes? Because in the world a lot of us have been blocked in many places, and we have to pass things through someone. You calmly go to Codex and can tell it about this.
Even if you tell it every day or tell it once a week. I'll show you now what telling means. So you open Codex or Claude Code, give it these files, and then simply tell it by voice or in text how your expenses are set up, what is where, so that it remembers. Here's a simple case of mine, for example. I recently paid for a server computer, and that computer is for corporate use, but I bought it quickly and paid with my personal plastic card. I quickly opened Codex and told Codex: "Please take into account, don't forget in the future, that I just paid for a computer with my personal card," and moved on.
Codex itself found, from my finances and accounts, from my email, what computer it was, where I bought it, saw all the receipts, and it will take that into account in the future. It will even ask later how I want this computer handled. Did I buy it for a day and throw it away right after? Or does it need to be amortised over several years? How do I want to account for it in terms of expenses, yes? If some of you don't know what amortisation is, don't worry about it. That's exactly what Codex will help you with, yes? In terms of income and expenses.
So your first task is to start accounting for all your expenses. And this is why I gave an example from personal finances. Because if in your personal finances you integrate with banks and with other things, you get the opportunity to start telling Codex and Claude Code certain nuances and details. Is this payment recurring or one-off, or individual, or did you have to pay for someone here, but the person then paid you back personally, by hand? Very hard to account for. After all, there are situations where you went somewhere with someone, paid for them, the person sent you money to your card personally, and then the system thinks it's your revenue coming in, yes? It's not revenue coming in.
And how are you going to explain that? Now you have Codex and Claude Code, which give you the ability to do this accounting and explain everything personally. Here I can imagine that at this moment many may feel that you are becoming very transparent. Believe me, you're very transparent anyway.
The thing is, you can have manageable and understandable finances, to keep your own personal accounting system, only when you understand it. And as for this transparency — in today's world all accounts, all systems are transparent anyway. And for that matter, you had an email that a huge number of different authorities already have access to, or payment systems and so on. And given how well the models are secured today, you're secured fairly strongly. So, well, it's your own choice. I consider it pointless paranoia.
I talk about it a lot. And when someone says, how can you trust Codex, it will steal your systems' passwords through your email — well, in exactly the same way your Google mail or Yandex mail will steal your systems' passwords. In exactly the same way the email itself will steal your passwords, yes? Or the drive storage itself, where you keep them — they can steal everything from you too, anyway. The question is what you gain and what opportunity in life you get in terms of the conclusions these systems can draw at all. And these are new conclusions.
So, the second task you need to do — that is, the first task for today is to tell yourself that all my income and expenses, costs or anything at all, will be in this system, even if you spend very little. It's a cool case for checking what's going on in your life at all. This is not your bank's financial accounting. Many banks keep financial accounting, and it's incomplete. Well, if you spend a hundred dollars a month, you have one plastic card and no more money, you've just received your pension, you spend it from that card, you make no cash purchases and so on.
Okay. But in our modern times there are too many individual payments here and there, transactions, shuffling details around, subscriptions, a million different aspects, yes? And you can plug in and figure out what is actually going on. Really figure it out. So many people in the world suffer, families suffer, children suffer, adult parents suffer, friends. Not to mention companies. A huge number of companies go bankrupt because of wrong financial accounting and because people can't understand how they actually live.
Many people think that if they bought a house on credit or an apartment on credit, then it's their apartment, yes? Today you have the opportunity, with Codex and Claude Code, by keeping your personal finances or the finances of your sole proprietorship, or as self-employed, to understand this a bit more and see even certain specific aspects. Because Codex and Claude Code will start giving you recommendations related, among other things, to the tax accounting system and to the system of laws in the country where you live.
Some rules, accounting specifics, some nuances. It will start opening up incredible things for you. So, the second thing you need to do — and here, of course, for many this will be a blow. It's to load all your company's tax returns into it, all your financial reports for the last five years, three years, well, four years — load more data into it. If you had no such accounting, no Excel, no data, no… you didn't file any tax reports, didn't file anything at all, didn't do anything.
Then load your statements for that period. Usually you don't need more than five years. That's, well, kind of pointless. For some, a year or two will be enough. Why do this? First, as I told my friend, the system will find errors for you even in the reporting you filed over the last three or four years in your company. Not to prove to someone that your accountant or tax officer, or someone else, made a mistake, but in order to teach Codex at all — a system like Codex or Claude Code or Grok Bot, well, or Grok itself, yes. To teach it.
To teach it how your system lives, how this system works. You'll have to gradually teach it your internal rules and certain internal aspects as well. Because, well, many things are hard to grasp, or hard to see, or hard to understand what is going on at all. And most people don't think in terms of proper finances. Yes, there is such a thing as proper finances, and most people don't think that way, they aren't developed in terms of financial accounting, financial control, financial thinking.
They don't understand it, don't get it, can't really calculate. When you learn to do this with Claude Code and Codex — look, what you can do right now with Codex and Claude Code directly, without building a customised system, will let you think differently, a little ahead, and understand things differently when you work as an employee, calculating your bonuses at work; it will let you remove certain problems in your family. It will also let you plan whether to open some venture or some business, or whether to make some investments.
So, because this is a completely different, an altogether different path of thinking. There isn't a single financial… adviser, consultant, yes, or any financial courses, and not a single tax specialist or financier who would be capable today of doing what this system can do for you every day. And of course you need to live through this and do it yourself, personally. If you have a company of, say, fifteen people and you suggest your financier do it, you will never live through this connection, this contact with artificial intelligence.
I know it's not easy to grasp this, to approach it, but I still want to repeat it to you. I want to point it out, well, once again. So, the usefulness of loading old data is phenomenal, because having old data means, among other things, that at some point you'll be able to start making requests you don't even expect.
You'll see that you've learned to ask something you couldn't ask before. Well, you'll start seeing new aspects of how you perceive the financial world at all. I've had many different business partners and have them now. I've met many people in business. I want to tell you that maybe one in a hundred people at all was capable of thinking very broadly about finances. And even then, these are usually people who, well, kind of don't think in finances, yet in other areas may somewhere, well, seriously not understand things.
Give yourself the chance to realise that you understand finances relatively well. Well, by launching this construction, what I'm describing now. It will take time. So the start is very easy, very simple. And at first it may even seem to you that you don't need this system, or that somewhere it makes big mistakes or doesn't see some things. Your task is to gradually tune it every day. For me it was very easy to do. I told you, yes, that I had the QuickBooks system in between.
It's an American accounting system, essentially, just as in the Russian-speaking market everyone knows there's 1C, right? And 1C is, of course, more seriously developed in places, because there's a lot of 1C automation. There's a lot of ERP, MRP, CRM and so on. At the same time QuickBooks is also geared to a huge number of very interesting aspects, and in places is more convenient as modern software, like Software as a Service and so on.
At first I wanted Codex to run QuickBooks correctly. Look, rule number three. Or what you need to do for yourself, in your head, number three. Your task is to integrate Codex and Claude Code in such a way, with such a mindset, that you understand that in the future companies like QuickBooks or 1C don't exist. Remember this, yes? So your task in doing this is the following. Of course there are some difficulties here, because I would like to say that financiers, accountants and all the rest don't exist.
I'll put it to you like this: your task is to think that way, but that doesn't mean financiers or anyone else shouldn't continue working in companies. It's just that you'll have financiers who will work by new rules, with new use cases, with this new logic. Well, imagine you had a courier who couldn't drive a car, and there was no car, there were horses. And then you got a car. Or even postal delivery appeared. And you say: "Courier, stay and work for us, but you must adapt, you must develop.
If you keep doing the same operations, so that I have to pay thirty dollars to send one letter because your day of work costs thirty dollars, it won't work. If you learn to work with these companies, cooperate with them, or take on some other work, then of course you'll keep working." A very important point for you is that in your own thinking — and, by the way, if you're the financier of some company, you should think like this — you should build a system for that company where, in effect, you as the financier aren't there.
That's the only way to success. You'll win five hundred thousand times over from it. You'll win incredibly from it. I'm not telling you that you should then go in, build such a system, show a video and say: "That's it, you can fire me." Well, we live in the society we live in, with the dark forces that exist, yes? But your thinking should be geared that way. Then you'll reach a serious level of understanding the new standards of artificial intelligence development. Today Nikita Bier, I think, or whatever his surname is, the person who ran xAI for Elon Musk, posted this tweet today: "Does anyone else remember how to code?"
So what is going to happen now? Right now all the programmers who are convinced that they can program with artificial intelligence, while everyone else can't program, they'll have big problems, because they'll forget how to do what used to be their unique advantage, yes? And here it's very important to stay in reality and understand where you, well, actually are. Where you actually are today as a person, yes? I said in a recent video that the area and field where plumbers work will be very seriously hurt. And why?
Because ordinary people will replace the work of plumbers. Not because robots will appear, not because a plumber can't, like, be replaced somewhere, but because ordinary people will replace plumbers. And that's a different matter. That is, ordinary people will start doing the work they didn't do before. So in finances, approach it as a matter of starting to keep your finances at a completely new level of perception altogether, a new level of approach. This is the foundation, look, that you need to lay down for yourself here. And why do I recommend it? Someone here will say: "I can't spend twenty dollars on a system."
If you want to earn hundreds of dollars or thousands, learn to spend money on something. One of the main problems in the evolution of the monetary world in general is that people live by cutting costs. Because everyone lives by cutting costs, all these people are always controlled by those above them. Yes? Invest in something in order to get more. It's very powerful, it will launch new approaches in you, a new mindset, a new perception of money, finances, shares, discounts and bonuses, premiums.
Even if you work, for example, as a sales manager and you have a motivation scheme, and you want to — watch my video — and you want to sort out your personal finances through Codex or, or through Claude, what you must load in there is your motivation scheme, so that Codex or Claude help you earn more where you are now, or explain to you where you can earn more, or that you can't. Load into it, together with your expenses here — what? Your employment contract. Load all the documents describing your motivation scheme in there. This is your personal assistant.
You now have the chance, together with it, to figure out how this really works, yes? Because most people who deal with — you know, I've built, well, hired a thousand people, fired a thousand people. And in sales motivation systems it was always important to build a motivation scheme with one or two parameters, no more. Because most people can't manage a large number of parameters. Yes? People like to live by one parameter — I don't know, the revenue they sold, or some costs.
But here you can dig in a bit more. You can load into Codex: "Actually, I heard our director gives a bigger bonus if I come to work in a red jacket. Actually, I heard they pay a better bonus if I address him by first name and patronymic, not just first name. Actually, I heard they give a better bonus if my desk is clean, not messy, and so on." Load all of that in. It's a very interesting topic for your own perception, yes, even for sorting out personal finances in your family.
You have the chance to have a kind of psychotherapy, so to speak, with Codex or Claude Code, discussing, for example, your family's expenses. If you don't live alone, you have a husband or a wife, and you need to find some balance. Or the parents decide — in many families the parents make the decisions. Your task is to tell it all of this. It's very important to lay all of this in as a big, strong foundation. In personal finances, of course, you need to put in everything about utilities, spending on gas, on electricity.
What taxes there are where, what costs there are where, what planning there is for forced and unforced things — I don't know, teeth, visits to doctors, sometimes or often, some rare or frequent wishes. Still, in finances I approach finances a little differently, and I have another channel about personal development, where you can see this very clearly. I want to tell you that I'm not, not one of those people who urge you to keep these records to see how much you spend on coffee a year.
And if you like, for example, going to coffee shops, to see that sum in thousands or hundreds of dollars and say: "Look, you could spend this money more efficiently and buy a coffee machine for home, yes, or stop drinking coffee." That's not, not what I'm about. I want to say that right away. And I'm not urging you to fall, with these systems, into saving mode or into some kind of stress mode. I'm urging you, with systems like Claude Code or Codex, or Gemini, not to save money, but to learn and to understand.
Recently there was a fun story. By the way, I'm amazed that it's supported by developers who earn tens of millions of dollars a year in Silicon Valley. And some developers at, at xAI reposted that Grok Bot will help solve the following case. People spam and call you. There are laws in America under which, if certain companies spam you, you can sue them and get, say, five hundred dollars for each spam, for example for political spam or something else. And some developers from xAI supported this. And it was top engineers there who supported it.
Once again, all these top engineers have salaries of tens of… they, they earn tens of millions of dollars a year, yes? Because they have bonuses, they have stock packages and so on, yes? And I asked ChatGPT how effective it is to do this. Do you know what ChatGPT told me? It told me — by the way, Dima, you know what's very interesting? It's very interesting. Do you know what it said? It said that you — you, viewers, will find this very interesting to hear. It said: "Alexander, you'll spend more time and get stressed from allowing all the spam to call you." What's the logic there?
That you should — right now you've blocked everyone, all the spam, and created a blacklist, but you're supposed to not block them, let them through, and then start fighting all those calls. And it says: "You'll get more spam from unblocking than you could later win — maybe a couple of times, five hundred dollars each. And even that's not certain. You'll still have to prove it, search, report it. So you'll get a huge amount of stress. And that's not something you need to run into." That's interesting. Once again, I'm not, not urging you to do that, yes.
I'm urging you to enter the new era of automation and, by the way, finances. Why did I decide to record a separate episode about this today? Because finance is such a rare area. I'm not really one for recording such specific things about one particular topic. It's a rare area that absolutely everyone needs from the point of view of healthy thinking. Because of money there are wars in the world, murders and suffering in general, and the suffering of families. And in order to understand a bit more, a bit better, not to be led by the nose. In the Russian-speaking community people love to believe that the dollar is done for, that the American market will die, the bubble will inflate.
And thirty years haven't even passed — the dollar still isn't done for, and the bubble keeps on inflating, yes. The point is to gain healthy, natural, good thinking for yourself, so that you don't fall into such false patterns. By the way, our trip — Dima and I drove for several days, covered a lot of miles, and do you know what we both understood very strongly? How much artificial intelligence now lets you develop your thinking, to learn to understand everything in the world.
We lived in a world where it was very easy to manipulate everyone, deceive everyone and lie to everyone. You turned on the TV, they said it's raining in another city, and you think it's raining there, and you don't even know whether it's raining there or not. And often you call someone and say: "So you have an earthquake?" And they tell you: "No, we have no earthquake. Somewhere someone got shaken a little, but not here, everything's fine here." And now, with artificial intelligence, you can figure things out. We were discussing a topic here. Dima said that in Naberezhnye Chelny there was very tasty bread and Italian equipment was installed there.
And I said that in Minsk, in Belarus, there was a special black bread. And it turned out that the equipment in Naberezhnye Chelny wasn't Italian but German. And one could say that Dima lied. But what does "lied" mean? He doesn't even know where he learned about that Italian equipment. Maybe he read about it in a newspaper, or maybe people around him talked about it, at school, or a parent, or someone else, yes? Or me, saying that the bread in Minsk is better than in Moscow when I moved to Moscow in two thousand ten — maybe I made it up. And Belarusians around me just said so.
It's like Belarusians saying they know potatoes better than anyone. And Max and I were walking here, he's Belarusian too. He says: "No, it's not Belarusians who know potatoes best, yes. Potatoes were brought from South America. And there, in many places, there are thousands of potato varieties. And that's where they know how to cook potatoes like nowhere else," as Max said. Which country, you just don't remember? He was talking about Peru, about Peru, right? Peru. This is a very normal, healthy discussion. That is, not a conflict, not arguments — a normal, healthy discussion. By the way, we didn't check Max, maybe we should have.
It might have turned out it's not from there, yes? Well, our viewers may write about it. So you, building this financial — this financial system, setting up a financial system for yourself, and everyone will find for themselves where to set it up. I would even recommend setting up such a financial system for my wife, for example, at home, and I would recommend setting up such a financial system for my mother. Someone will say: "What, you want to squeeze your wife somewhere there, or the opposite, do something, or make her understand finances better?"
No, it's an opportunity today to touch, in a different way, the future that is coming. After all, we may arrive at a society where there is no money, yes? To end up in some kind of socialism, possibly, or arrive at a society where money becomes even more controlled by a certain group of people than over the last hundreds of years. And at some point, by the way, a thousand years ago, money was even more controlled by a group of people than now, yes, clearly. The question here is that you get, through this, positive emotions for yourself, a positive state and real strength, and knowledge of the energy of money.
Because if in your life you're not destined to earn big money, you still, with it, you still won't earn it. But for that, go over to my other channel. Here I talk about artificial intelligence and give my attention to artificial intelligence. And don't forget about quality models. I'll try in the upcoming episodes to come back now and then to this story from the finance angle, to add some aspects for you. Please write the real questions you have, or topics. If you've done something cool, the insights, the great ones you've had with the help of these things.
It's always interesting to learn this in a broader frame: what your age is, where you live, and what kind of companies, what kind of businesses these are, how much you really controlled what's going on in your finances. For example, my friend — I tell her: "You understand, you'll be able to really know how much debt you have, for example." Many people don't know that they've, for example, given someone discounts in advance or sold half a year of memberships in advance. And people don't really understand what the debt is for servicing those memberships. Right now in Silicon Valley they like to use ARR as a metric. What do they do?
They take the most recent revenue there was, multiply it by twelve and say: "This is our projected revenue." In this revenue, for example, they may have sold in October, but it's already November now, for example, and they say about October: "In October we sold a million dollars, we reached an ARR of twelve million dollars in revenue." While in fact in October they sold, for example, a million dollars of annual subscriptions. That means that, in reality, their November revenue, even their October revenue, may be zero, because the subscriptions haven't even started working yet, yes.
So their October revenue comes out as zero, and November's is that sum divided by twelve, because they owe it all in advance. People often don't think this way, yes. And then it turns out you have a number that seems to be not ten million, but more like a hundred thousand. And there are debts to service that revenue. So all you have is debts that appeared — not money in your account, debts appeared, yes. And by the way, you don't know how expensive or cheap it will be for you to service those debts.
Note that we live in a world where, well, we kind of say, for example, that if you do something with artificial intelligence, then servicing it will get cheaper. But we don't know whether it will get cheaper; it may start getting more expensive. You may use some platforms that gave you certain positive benefits today, and then they'll be taken away from you. For example, yesterday I was explaining to my friend Anya that right now, by buying a ChatGPT subscription for Pro for a hundred dollars, you get a thousand times more value than that sum.
And you simply got that opportunity. But it's only there now. Obviously, artificial intelligence for a billion people can't cost that little. So if all ChatGPT subscribers now bought expensive subscriptions, then look — the whole world of artificial intelligence would collapse. So the only thing that will happen, if more and more people take expensive subscriptions, is that ChatGPT will get more expensive, well, raise the price of these subscriptions and cut the compute it can give to these subscriptions.
And that's why Sam Altman is very hard to understand. Sam Altman had a discussion here a couple of days ago, and he wrote to people that you can't hand artificial intelligence, the control of artificial intelligence, over to artificial intelligence, yes. Well, in reality he's in conflict, on the one hand, with Anthropic, which is going to IPO faster than him, and he's afraid he won't have as much money later, yes, and as much capacity. And on the other hand, an interesting aspect — further down, to people who start outright calling him names on X, he writes: "But I really do want every person to have a lot of compute."
So what do you think — does Sam Altman really want every person to have a lot of compute? Or is he actually lying about wanting people to have a lot of compute? I want to tell you that, well, honestly, if we really look at it, well, it's a big question. You'd have to know, well, probably know Sam Altman himself. You'd have to be not just buddies or friends with him, yes, but also follow his various statements and understand who is controlling him. Maybe he doesn't control these things at all, and other people control them. And if other people control them, then what difference does it make what he says?
Three things that are very important, which I said today about putting a financial system in place. Rule number one: you must connect all the tools of your current spending and income to artificial intelligence. Absolutely all of them, every one there is, and then correct them every day and report any new things. Rule number two: you must load old data into artificial intelligence. Well, you'll choose the period yourself, but I recommend taking three to five years, yes, as I just told you and, well, as I was just describing.
And this old data can be different. It can be bank statements, it can be some Excel files of yours, it can even be some rules that you simply describe, well, describe them somehow, yes, describe them somehow, mention them somehow, tell it about them by audio, for example. And the third construction there is, the important one, yes, an important rule: you must build a system for the future, not a system for today. You shouldn't be afraid that there are some difficulties, that you have some problems keeping such financial records.
You need to understand that in the future, financial accounting systems will be different in any case. They'll already be different in half a year. It's just that what I'm describing now is, in a way, what everyone should have done half a year ago, essentially. There are already new things, but even certain new cases — even if I start telling you about them, you sort of won't live through them and won't be able to grasp them for yourself. Launch it — and an open mind to you. And don't forget to support the channel. And we'll be waiting for you in new episodes of our ToTheMoon channel. Bye, everyone.