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Money

Refunds, bills, deals and money you were owed · 465 ideas

The AI dug through public Medicare data and flagged billing patterns that look like fraud

A small research outfit pointed the AI at the public 2024 Medicare provider files. It flagged one wound dressing code whose national billing jumped from about $23 million a year to $650 million in 2024, with one Florida supplier taking 62 percent of it, and a pattern of hundreds of family doctors each ordering ostomy supplies for about 175 patients across 40 states while only 15 colorectal surgeons appear in the same data. Some flagged companies have already been caught; others with the same shape are still billing, per the July 2026 enrolment file.

Qwen Go checked a user's Taobao orders and won a 52 yuan price-protection refund

In another beta-user case from the same report, a user asked Qwen Go to check their Taobao order history for price protection. The agent reviewed orders against protection windows, current prices and the amounts actually paid, filed refund applications for the qualifying orders, and confirmed the refund amount and arrival time. The user reported receiving 52 yuan back.

¥52

My agent runs my 20 credit card and bill system with two dashboards

With about 20 credit cards, she could never keep track of what each one earns. The AI built her two dashboards. The finance one shows every card with her own nicknames for them, all her bills with due dates, one tap mark paid buttons, live checking balances through Plaid, and her credit score tracked monthly. The spending one logs purchases she texts in, like a shop name and amount on a named card, sorts them into categories, and tells her if she picked the right card, since it knows her rewards, like 6% on groceries on one card and 5% on gas on another. It also sends a Sunday morning roundup of the week's bills, reminds her which card to use before she shops, and warns her about quarterly reward caps.

MoneyWent wrong

Handed his Facebook Marketplace inbox to the AI to sell a keyboard: it

Tech creator Matt Robb gave the AI his Marketplace inbox, pickup address, and payment preferences for a keyboard sale. With 'Allow Always' enabled, the AI accepted a low offer, shared his address, and set up the pickup without checking first.

This one went wrong. See what happened before you try it.

Found the Batman by Jeph Loeb & Tim Sale Omnibus at $74.99

Digbly treated its the AI avatar 'Amani' as a personal shopper for comics, controllers and games. The baseline-plus-deal-hunt prompt surfaced the Batman omnibus at $74.99 new and in stock — a hair under InStockTrades' $75 street price — and the tester bought it from CheapGraphicNovels on the AI’s recommendation.

$74.99
MoneyPartly worked

Find me an extra $500 a month in my own accounts

Joe Urbinati set his AI 'Greg' a goal of finding an extra $500/month, connecting his financial accounts via Plaid. Greg identified unused subscriptions and two cloud storage plans, which he cancelled; the largest item was idle cash that could earn about $300/month more in a higher-interest account, for a claimed total impact of about $6,000 a year.

$6,000a year
This only partly worked. Worth knowing before you try it.

Audit my taxes and find my CPA's mistakes

In a thread about a Garmin MCP and privacy tradeoffs, a commenter says the AI found errors his CPA had made in his returns. Amending them recovered over $100,000, at the cost of feeding the agent a lot of personal financial information.

$100,000one time
MoneyPartly worked

The AI hunted my protein powder deal and vetted sellers I had never heard of

Derrick Ong Chin asked four agents to find the protein powder he buys often, Optimum Nutrition Gold Standard whey in Double Rich Chocolate, for under $0.90 an ounce. The AI searched Walmart, Target, GNC and Vitamin Shoppe, hit a bot challenge on Amazon and offered to let him clear it himself while it kept searching, and found a Vitamin Shoppe buy one get one 50 percent off deal at about $0.92 an ounce that still needed checking at checkout. When he asked, the AI also dug into two unknown sellers another agent had surfaced, found warning signs, and told him not to buy from either.

This only partly worked. Worth knowing before you try it.

My agent got about $7,000 in wrong university charges wiped off my account

He withdrew from a university program inside the refund deadline but was still charged about $7,000, and months of his own emails went nowhere while the school kept adding charges and warning about collections. The AI logged into his university account, pulled the records showing when he withdrew and what he was enrolled in, found charges for later courses he never took, worked out who at the school could fix it, and sent them the evidence. The balance was removed.

$7,000

Recover $836 of my unclaimed property in a background money sweep

One itemized line in Armand Ruiz's September 15 errands post credits the AI with recovering $836 of his unclaimed property during a background finance sweep. The sweep's $2,120.95 total is already recorded from press coverage; this record isolates the unclaimed-property component that coverage did not itemize.

$836one time

Pay the real bills that arrive in my email

After dry-running a personal-assistant the AI through August, its owner let it pay a real $3,731 bill that arrived by email; routines now watch his Gmail for invoices three times a day. The first live payment went through under the watch setup he had tested for a month.

$3,731one time

My agent reviews my card spending every week and flags anything odd

Every week his agent scans every credit card, breaks spending down by family member, flags anything odd, and lists every charge from high to low. He says it catches things he could miss. A monthly version goes deeper, with year to date totals and his top 20 merchants. His transactions come through Plaid's read only connector.

MoneyWent wrong

Audit my subscriptions and cancel the ones I don't need

Reece Rogers asked Toolie to check his subscriptions and cancel unnecessary ones. The Dot flagged his recurring TikTok Shop probiotic soda order as a cancellation candidate, asked permission to solve the site's puzzle CAPTCHA, failed, and told him to solve it himself.

This one went wrong. See what happened before you try it.

Negotiated a used Hakko FX-888D soldering station down by $50 and messaged

Stanford EE student (310K followers, 'sage') documented upgrading her electronics lab by using AI (nicknamed 'Chef') to compare Facebook Marketplace listings under $200, identify a Hakko FX-888D in Los Angeles, message the seller directly, and negotiate the price down by $50. She picked up the boxed unit, unboxed it at her workbench, and thanked the AI on camera.

$50

My agent talked Amazon out of a $152.35 charge while I was offline

A man returned books that arrived late and Amazon said some were missing and tried to charge him $152.35 again. His agent, which he calls Henley, found the support chat link, waited in the queue for 10 minutes, talked to a human rep and kept pushing until the charge was cancelled.

$152.35

Find couches that fit my doorway and watch them for price drops

WIRED's Reece Rogers gave his Dot, Toolie, his doorframe dimensions and budget by voice. Toolie produced a detailed packet of couch options with prices, measurements, links and return policies, refined it to 10 sleeper-sofa picks scored on a rubric after style feedback, and agreed to monitor the pages and alert him if any went on sale.

Benchmark four car insurers and cut my Tesla premium nearly in half

Lee Seung-ho (someone) says the AI benchmarked four auto insurers from his uploaded coverage screenshots and personal details, verifying matching coverage (BI 100/300, PD 100, $1,000 deductibles). He switched from $1,200 per six months to a Progressive quote of $694.50 per six months.

$505.5
MoneyWent wrong

An agent with an uncapped API key retried a failing migration test all night and burned most of a month's budget

Last spring he gave an agent an API key with no cap on it. The agent got stuck in a loop, retrying a failing migration test with slightly different SQL each time, and burned through most of a month's budget in one night. Nothing malicious, just a loop with no exit. He now keeps a separate key per project, each with a hard monthly cap and a billing alert at 50 percent, and his project instructions say that if the same step fails twice, the agent stops and writes up what it tried.

This one went wrong. See what happened before you try it.

My agent checks every month for money owed to me and my family

He set up a monthly check for himself and his close family. The AI searches state unclaimed property sites and open class action settlements that fit the products and services they use. It found $250 from an old utility company in his name and $1,500 in his mom's name from an insurance company, and it found three class actions he could join and filled out the forms for him. It only pings him when something new shows up.

$1,750
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Every idea is a real post from someone who tried it, summarized in our words, with a link to the original. App names are swapped for plain words.