2026年3月17日 / 美国东部时间下午12:58 / CBS新闻
越来越多的美国人开始借助人工智能管理财务。但哥伦比亚广播公司（CBS）新闻商业分析师吉尔·施莱辛格（Jill Schlesinger）表示，这项技术不应成为你处理金钱事务时唯一依赖的工具。
“我认为人工智能在基础财商教育方面非常有用。比如‘我该如何看懂工资条？’‘罗斯个人退休账户（Roth IRA）与传统IRA有何区别？’”她在接受《CBS早间新闻》联合主持人内特·伯勒森（Nate Burleson）采访时说道，“但当你要做重大财务决策时，依赖可能会‘虚构信息’的人工智能，会让人感到不安。”
施莱辛格指出，美国人在依赖社交媒体平台上提供建议和财商教育的“金融网红”（finfluencers）时也需谨慎。
“这些人通常是想向你推销某些东西，”她说，“而且他们往往没有相关资质认证。”
三分之二的美国人使用人工智能获取财务建议
专家表示，使用人工智能获取财务建议时保持一定谨慎性至关重要，尤其是随着越来越多人依靠这项技术管理从储蓄到投资的方方面面。
信用 Karma（Credit Karma）2025年9月的报告显示，66%的美国人使用生成式人工智能获取财务建议。年轻一代对该技术的依赖程度更高：82%的Z世代和82%的千禧一代表示曾使用人工智能进行财务指导。
信用 Karma称，人工智能最常见的用途是基础财务教育和财务目标设定。美国人还会询问AI如何为退休储蓄以及如何投资股市。
负责任地使用人工智能
在安全使用人工智能方面，施莱辛格建议美国人考虑到潜在的隐私风险，不要过度分享个人信息。
斯坦福大学2025年的一项研究表明，人工智能聊天机器人有时会无限期保存你在对话中分享的信息，并将其用于模型训练。
“务必阅读隐私政策，”施莱辛格提醒道。
CBS新闻分析师还鼓励人们，如果想要开始投资或规划退休，不要仅依赖人工智能，还可以借助其他渠道。例如Monarch和Honeydue等理财管理应用，以及更传统的方法。
“我总是提醒大家，如果你真的想投资，最好使用公司提供的退休计划，”她说，“这无疑是最佳的入门方式。”
施莱辛格表示，大型投资公司在购买指数基金或交易所交易基金（ETF）时可以提供指导。她还建议，咨询一位值得信赖的亲戚也是不错的选择。
“你需要一个无偏见的第三方来帮助你，”她说，“请不要完全依赖技术，要将它用于学习和教育。”
编辑：艾米·皮基（Aimee Picchi）
Using AI for financial advice? Here’s what to watch out for.
March 17, 2026 / 12:58 PM EDT / CBS News
More Americans are turning to artificial intelligence to manage their finances. But the tech shouldn’t be the only tool you rely on to deal with money matters, according to CBS News business analyst Jill Schlesinger.
“I think AI can be great for general education. How do I read my pay stub? What’s the difference between a Roth and a traditional IRA?” she told CBS Mornings co-host Nate Burleson. “But when you’re making a big decision, it’s kind of scary to rely on AI, which can hallucinate.”
Schlesinger said Americans should also be careful when it comes to relying on financial influencers, or finfluencers, who offer advice and financial education on social media platforms.
“These folks are usually trying to sell you something,” she said. “They’re often not credentialed.”
Two-thirds of Americans use AI for financial advice
Exercising a degree of caution when using AI for financial advice is important, especially as more people lean on the technology to manage everything from their savings to their investments, experts say.
A September report from Credit Karma found that 66% of Americans have used generative AI for financial advice. Younger generations are even more likely to rely on the tech, with 82% of Gen Z and 82% of millennials reporting they’ve used AI for financial guidance.
Credit Karma said that the most common uses for AI are basic financial education and financial goal setting. Americans are also asking AI how to save for retirement and invest in the stock market.
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Using AI responsibly
When it comes to using AI responsibly, Schlesinger advises Americans not to overshare, given potential privacy risks.
AI chatbots can sometimes keep information you share in a chat in their systems indefinitely and use it to train their models, according to a 2025 study from Stanford University.
“Read those privacy policies,” Schlesinger said.
The CBS News analyst also encouraged people to turn to other sources outside of AI if they want to start making investments or get on track for retirement. Money management apps like Monarch and Honeydue can help, as well as more old-school methods.
“I always like to remind folks, if you just want to actually invest, use your company-based retirement plan,” she said. “That is, by far, the best way in.”
Schlesinger said large investment firms can offer guidance when it comes to buying index funds or exchange-traded funds. Calling up a trusted relative can also be a good course of action, she said.
“You need a third party who’s unbiased to help you out,” she said. “Please don’t rely solely on technology. Use it for education.”
Edited by Aimee Picchi
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