Rob Dodson 1/29/2026

Your AI Chatbot Is a Gatekeeper

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The author criticizes the limited, context-poor AI chatbot in the Monarch finance app, describing it as a restrictive gatekeeper. They detail building their own system using an unofficial API, Claude Code, and a local SQLite database to integrate financial data with personal notes and plans. The article argues for giving users direct data access instead of limiting them through a chatbot interface, suggesting this could be a product's selling point.

Your AI Chatbot Is a Gatekeeper

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