According to new research from MIT Sloan and Stanford, those small differences can compound into meaningful gaps in retirement wealth over decades. The study, by MIT Sloan researchers Taha Choukhmane, Weidong Lin and Matthew Akuzawa, together with Stanford's Tim de Silva, offers both reassuring and unsettling news. On average, AI-generated financial advice moves people closer to what economists consider sound long-term financial behavior. Prompts written by men, financially literate users and people already familiar with AI consistently produced more aggressive investment recommendations, particularly higher allocations to equities. Only about 20% of users mentioned saving in their prompts, yet roughly 76% of AI responses raised the topic anyway, encouraging financial habits that users had overlooked.