I use a budget app for tracking income and spending on a transaction basis and then keep the rest of my finances in spreadsheets.

Mine is off at the moment.

I got my lawnmower about 9 years ago secondhand and have never done any maintenance on it. I’m pretty sure that’s how you’re supposed to do it.

You got me thinking a bit on this one. One possibility is if you want to make a bet on it failing to deliver value in the near future, look at the companies whose stock prices have fallen on the fear of AI putting them out of business. For example, Concentrix does call center outsourcing and their stock is down significantly from their 2022 peak, partially on the expectation that AI is going to take business from them. Now, their profit margin is tiny and they don’t seem to be growing much, so I don’t know that they are a great investment, but there could be upside if the negative cloud of AI is removed. There are probably better examples out there, this one just came to mind.

Note: I have not done any research on this idea or on Concentrix and don’t know if this is a good idea, but at least less risky than shorting the AI hype.