I enjoyed the March 2026 SDP conference and the chance to meet so many people navigating the intersection of high-quality decision-making and AI. Meeting others committed to finding a clear path forward felt incredibly fortunate. Our presentation focused on how we use AI in the classroom. We view personal finance as an internal decision problem rather than an information acquisition problem. Because information is no longer scarce, we use Generative AI as a "Decision Architec

As a professor, I often hear my colleagues lament the state of financial literacy in the U.S. They point to declining mathematical literacy and the rising complexity of modern markets. There is certainly truth to their concerns. However, our research and experience suggest the "literacy gap" is far less about a lack of information—it is a lack of a decision-making system. The knee-jerk education standard when facing a literacy gap is to provide more information. We are taught