Meta’s Muse AI Agent Cost $0. What’s the Catch? — Transcript

Sam Alman, Elon Musk, they've had similar thoughts where they aren't necessarily being doomsayers, but they are recognizing that there is this like existential risk of AI and like bio- threats and weapons and whatever. And then Meta comes out and they make their muse avatar mascot, whatever. It's this cute little like sloth stuffed animal. And basically, while everybody else is saying, "Oh, AI is like this potential society altering or ending technology," Meta is like, "Oh, look, our cute little stuffed sloth will like shop for you and help you save money."

I'm Jack Reigns, an investor at Earlystage Venture Capital Fund Slow Ventures, writer of the Substack newsletter, Young Money, and author of the new book, Young Money: A Field Guide to Wealth and Purpose in Your 20s. In this show, we take a big story in tech or money and ask what it means for your life and your wallet. Meta just released an AI assistant called Muse. It's free to try and the pitch is that it can do more than just answer your questions. Give it access to the right accounts and it can actually do things for you. Find a better price, deal with a subscription, or help sort through administrative tasks that eat up your week. AI agents are still pretty new.

They really only became useful around December of last year, as AI models had a noticeable step up in coding capabilities. But until recently, using an AI agent often meant buying a separate computer and spending hours wiring together different apps and workflows or hooking up some sort of cloud server with a database backend. And nobody wanted to do that except a very small group of people in Silicon Valley or addicted to X. Muse has actually abstracted away all the complicated setup steps, giving users a do everything on my computer for me tool wrapped in a bow. Mark Zuckerberg's new big bet is that millions of ordinary people are ready to skip all that and simply ask an assistant to get something done for them. If that bet proves to be correct, it will change how we spend our time and our money.

So, let's get into it. What exactly is Muse? Per Meta's launch announcement a few weeks ago, Muse is a personal AI agent. It doesn't just answer questions. It actually does the work. It helps people stay on top of things, takes tasks and projects off their plate, and turns long-term goals into action plans. So, Meta officially announced the Muse launch on September 8th. And in the last 3 weeks or so, Muse has had an estimated 3.4 million downloads and over 76,000 ratings on the App Store. For context, Chat GPT, which is still the biggest consumer AI app, has about 11 million ratings. And Claude Anthropics AI app, is at around 270,000 ratings. So most of the consumer applications for AI so far have been a chatbot. You open chat GBT, you ask it for the weather or to break down a spreadsheet or you treat it like Google. And for more than 90% of people, that's kind of been what AI has been since 2022. Meta came out with Muse and

is advertising it as an always on AI assistant that can do work. Of course, Muse can be used as a chatbot, but as soon as you sign into Muse and open your account, they instantly want you to connect your calendar, your email, your iMessage, your notes app. It's very obvious that one, they're trying to aggregate as much data as possible on their users, and two, make it very, very easy for the AI to both read from and use all the tools that you connect to it. Of course, Meta already has a bunch of data on you and me through Facebook, Instagram, WhatsApp, Threads, and just browser cookies. What's been really interesting is how many companies have also partnered with Muse off the launch.

We have PayPal, Shopify, Expedia, Stripe, Best Buy, Walmart, Instacart, American Eagle, Dick Sporting Goods, Fanatics, Gap, Wayfair, and plenty of others. Notably, one company who is not working with Muse is Amazon. We'll touch on that later. They also connect to your contacts, your calendar, your email, your browser, your Google Drive, notetaking apps like Granola. You can connect your Spotify, even Pelaton and Open, and most importantly, Plat for all your financial accounts. Basically, Zuckerberg and his team have made it as easy as possible to connect as much of your life as possible to Muse. So, Muse can see all of your data and it can interact with all of your accounts. But the most interesting thing about Muse to me is that they're giving all this away for free. Chat GPT has a free plan, sure, but it uses weaker models and you hit usage limits quickly. Mark Zuckerberg is giving away a h 100red million tokens per week, which is a ton

of compute. For power users, you can pay $20 a month for 500 million tokens a week, or for max users, you can pay $100 a month for three billion tokens per week. But, you know, reading between the lines, he wants as many people as possible using Muse as much as possible. He's willing to subsidize that. Neither anthropic nor OpenAI publish their free allowance numbers exactly the same way Meta does with the tokens per week. But as a user of both Claude and ChatGBT, I hit usage limits a lot. You know, you send hundreds of messages over the course of one to two to three hours and you get rate limited for the day on both platforms. The reason that Anthropic, OpenAI, and these other AI labs tend to have stricter usage limits for their users is they can't afford to just give away all this compute. Something that Meta has that OpenAI and Anthropic don't have is Meta is a massive advertising business. In the last quarter alone, Meta did $59 billion in advertising revenue. The entire rest of the business did $1.5 billion. Meta is an advertising

company. Anthropic and OpenAI are not advertising companies. Yes, OpenAI has started launching an ad business and they are starting to monetize their free user base through ads. They are largely a an AI consumption business. You either pay for a subscription plan to get access to higher models or you're paying for an API plan where you're getting charged on your token usage. They only get paid based off of how much you're using the models. Meta is getting paid by how much time you spend scrolling on Facebook and on Instagram. Therefore, they can use all that ad money to subsidize their ability to roll out a new AI agent platform. The result, Meta can afford to subsidize demand while other AI players are forced to rate limit their users. And so far, the stock market seems to love it. Meta's stock is up from $613 a share the day before Muse's launch to around $720 a share today at the time of this recording. My take from this, never bet against Mark Zuckerberg.

Zuck was getting dunked on 3 years ago for going all in on the metaverse. I mean, he literally changed the name of Facebook to Meta because the metaverse was the next big bet. Everybody's probably seen the picture of the cartoon image of Zuckerberg in the Metaverse or Horizon Worlds or whatever they were calling that platform 3 years ago and there were all the memes going around of, oh, Meta's stock has collapsed 80% while Zuckerberg is trying to make the Metaverse a real thing. The metaverse didn't really work. Meta's original VR bets like Oculus and Quest never really worked. But it doesn't matter.

Zuckerberg keeps going after what he sees as the next big thing. And when AI became the next big thing in 2022, he didn't hold back. He bought a big stake in Scale AI. He made Scale AI CEO Alexander Wang their head of AI. And over the last year and a half, Meta has aggressively gone allin on building out their own AI platform, training their own open source models, now launching Muse as their AI agent. However, as we record this, Meta also just announced a new business line to sell to the enterprise. They'll sell AI tools, including Muse, a coding tool, and access to its top models and business specific agents to different businesses.

Former MongoDB CEO CJ Desai will run it, reporting directly to Mark Zuckerberg. MongoDB also makes database software the companies use to store and manage the data behind their apps, which has been increasingly important as AI usage has exploded. Zuckerberg's statement says the business will draw on strengths. Quote, few other companies have models, agents, infrastructure, and years of relationships with businesses. As of right now, there are no pricing or operating details yet. For context, Meta is spending more than hundred billion on AI infrastructure this year. In July, Meta's stock price fell 10% after hours when Meta raised the low end of its spending guidance, and investors didn't like Zuckerberg's answers. Meta's stock prices dropped 4% today at the time of this recording. But all this goes to show that when Zuckerberg wants to take a big swing, he's all in. And it's very obvious that the current swing is AI.

But that's enough on the enterprise. Let's go back to focusing on AI agents and the consumer. The last few weeks have been the first period in which AI agents have been released and marketed specifically to the average person. Several months ago, Open Claw had a moment as did Claude Code, Codeex, and Cursor. But all of these were largely AI coding assistants that were being used by tech insiders, nerds in Silicon Valley, and the folks that are terminally online on X.com. OpenClaw was all the rage back in January and February of this year. Basically, OpenClaw was this non-lab associated AI assistant. But to make OpenClaw work, you had to install it on a separate computer like a Mac Mini. You had to download dozens of programs. There were a lot of formatting issues with having to go into the settings and making sure it had access to your email and this and that. Users had issues with Open Claw not actually remembering certain things that they had told it and they had to tweak their databases. Basically, the the normal user or the normal just

consumer was not going to spend the hours it took to get Open Claw set up and actually wired them with all their systems. And they also weren't going to trust that it wouldn't get hacked, they wouldn't suffer from a prompt injection, that it wouldn't accidentally leak their data or buy something that wasn't supposed to. If you had to spend 10 hours to get your open call working correctly, most people just weren't going to do that. The thing that Muse got right is the onboarding is so so simple. Within 5 minutes, you can have every piece of your life wired into Muse and then you can just start asking it questions and it'll do things for you. Some critics would say, "No, I don't want to give Mark Zuckerberg or Muse or Meta access to all my data." Me personally, I love targeted ads. I don't give a about data privacy. I would much rather Mark Zuckerberg see all my data and send me like better ads, more useful information through Muse. I would like to think that they can have a much better handle on my data than say me building my own privacy systems and trying to use open claw or working with another like YC back startup that can barely spell stock 2 compliance. One of

my hotter takes is I really just don't care about my personal data that much and if I give a much smarter company access to the data and I get better outputs because of that, I'm going to do that all day. And I think most consumers feel pretty similarly given how much time we spend on Instagram and Facebook. It's almost like a a very boomer mentality to turn off ad targeting. Like I love targeted ads. So what does this broad proliferation of AI agents mean for the AI landscape? For the last 3 years, AI has always just been code. LLMs are good at two things. Writing and coding. Because coding is really just another form of writing. The way that LLMs work is just next token prediction.

They make a good guess on what the next word or letter or number should be and keep going from there. coding adoption took off really quickly with AI because one we have a ton of verifiable training data needed to train these coding models and two there's a lot of economic upside in automating coding with AI because so much of our world runs on software now if you can make coding faster better and more efficient because AI can do it better than humans there's a lot of money to be made and therefore a lot of reasons to invest heavily in AI coding that's why we've seen anthropic double down on cloud code that's why we've seen open AI I start pushing codeex as their biggest thing rather than chat GBT.

Silicon Valley realized that coding agents could basically do anything on a computer and for the last year basically since cloud code got good in Q4 2025 coding agents were all the rage. What we have not seen until now is broad consumer use of AI. Only 3% of Bank of America customers, for example, were using paid AI services as of February 2026. There was a huge divergence in what AI was capable of doing at the beginning of this year and what the majority of Americans thought AI could do. Muse is the first real chance for a cutting edge consumer agent to hit escape velocity. I'd like to note that Muse is not the first AI agent platform for consumers. A new startup called Instinct hit 100,000 users within 7 months of entering private beta.

Instinct is an iMessage-based AI agent that can book flights, read your email, send follow-ups based on your calendar, and it has a bit of a cult following right now, and they're rumored to be raising more funding at a $10 billion valuation. Grockbot, which was launched by SpaceX AI, Cursor, the whole conglomeration of Elon Musk companies now, hit 418,000 weekly users one month after its August launch. But Grockbot was geared toward the enterprise. Instinct has a cult following, but they don't have the same distribution that Meta has. Muse is smoking both of these apps with 3.4 million downloads in its first couple of weeks. While Muse wasn't the first consumer agent, it is the first agent platform that benefits from both one, broad distribution, and two, Meta's ability to give it away for free thanks to its killer ad business. It's only a matter of time before more and more of the big tech players get involved in the consumer agent battle.

Apple will probably have a consumer agent. They're partnering with Gemini for the new Siri AI models. Google should also have their own version of Muse considering they have Gmail, they have your calendar, they have Android. It's actually shocking to me that Google didn't beat Muse the punch on this. There's also some interesting implications of AI agents both being commoditized and accessible to the public in terms of insane spend on compute. Open AI and Anthropic need to go public now because the private markets are basically tapped out. They keep needing to raise more and more money to buy more and more compute to keep servicing more and more customers.

They aren't profitable. They are in cash burn mode. They've been raising hundreds of billions of dollars to continue to subsidize this demand. They're spending a ton of money on training frontier models that quickly become commoditized as the other model catches up. You'll see OpenAI published. They had a new model come out that breaks all these benchmarks. Then Enthropic publishes another model that beats them. And then you'll have a Chinese model that's 95% as good for 5% of the price. So whatever edge that these companies get with their new model seems to get fully commoditized within just a few weeks of launch. Meta and Google have massive advantages in that they generate a ton of free cash flow from their advertising businesses. When you're making hundreds of billions of dollars with your main business line, you can then afford to give away billions of dollars of compute for free just to get users to use your AI agent over theirs. If you're using Muse and it works non-stop for you all week and you're using chat GPT and you keep getting rate limited, sooner or later you're just going to choose the AI tool that doesn't break.

One of the more interesting things about the Muse launch is seeing which companies did partner with Muse and which ones have not yet. So, PayPal, Shopify, Expedia, Stripe, Best Buy, Walmart, big one, Instacart, American Eagle, Dick Sporting Goods, Fanatics, Gap, and Wayfair have all partnered with Muse. You go on, they have a connector, you can plug it in, and you can access all those platforms through your accounts. Amazon, notably, blocked Muse.

A lot of users were using Muse to try to buy stuff on Amazon a couple of weeks ago and Amazon went out and blocked Muse from being able to access the platform, claiming it was violating user term and conditions. There was something about like safety issues and making sure data privacy and blah blah blah. Like it's not a surprise they don't want Muse coming in and screwing up their advertising business. And they also have their own opportunity to keep building out their own AI agents that have Amazon's inventory that have user purchase history where if your Muse is connected to your Amazon and it gets you purchase history, that's a lot of data where they can better target goods or in agent ads. Not even sure what that would look like yet, but Amazon's big enough they have leverage. They don't have to partner with Muse. It something that is fun to watch is just which companies are very open to agents being on platform.

Which companies are absolutely against it. We're about to talk to one of my buddies, JC, who had gotten banned from resi for having an AI agent try to make a bunch of reservations of Fort Charles. Meanwhile, Open Table is integrating with Muse. So, nobody actually knows how this is going to play out, but it'll be fun to watch over the next 6 months which companies are very pro- agent being on platform and which ones are trying to block it at all cost. Here's JC Bar Stefano, a venture capital investor at Better Tomorrow Ventures. I got recommended to use Instinct and it was this like mysterious kind of like aura fililled agent where like nobody really knew what was going on with it.

It had this website that was like very very limited and you know like where VCs were like trying to be like cutting edge and use all of these tools when they come out. So I started using it and the first kind of like oh moment that I had with it was I was trying to see my doctor to do my annual physical and it would have been a year after my last physical would have been in August. So I called them in July and said can I come in in August and they said the next appointment that we have is in January. And so I just texted Instinct with like very very little prompt or guidance and said, "Can you figure out a way to move up my doctor's appointment?" And I swear to God, like 10 minutes later, I got a call from the doctor's office saying, "Hey, we saw your request. Like, we just had a cancellation. We have an appointment in late September. Do you want to come in?" And I was like, "Whoa." I was like, "Whoa." Cuz it was like real world. It all happened in the background without me knowing. And then I figured out that it like basically figured out how to get into like my doctor's web portal because it can pull

the OTP from the email when it's trying to sign in with my Gmail. So I was like, "Wow, this is this is this is pretty magical." Finally, I'm like, "Okay, let me give it the ultimate test, right?" Like figuring out how to get a reservation at a restaurant in New York that I've always wanted to go to. Like I was born and raised in New York City. I've been here most of the time post college and I've still never been to Fort Charles. And like this is the OG, right? like this like people have been writing bots and scripts to try to get reservations in Port Charles forever. People have, you know, have been deploying these things and then selling them on secondary marketplaces. It's like a whole world in and of itself. And so I was like this is the ultimate test.

So I texted it and and the prompt was literally cuz I reviewed it afterwards. Just get me a res at Charles. And so then for the next four or five days it would check in with me and it would say, "Hey, by the time I got in it was all gone. Like I'm going to try again tomorrow." And a couple days later, I was like actually trying to get a reservation to go to dinner with my parents and I kept trying to get into my resi account and I couldn't get in. And I was like, "Oh, this is weird." And then I thought about it and I was like, "I wonder if instant did anything." And something happened with my resi account. And so I checked my email and like sure enough, like an hour before I had an email from Resi saying, "You violated our terms of service. You've been banned from the platform." And so I go into Instinct and I asked it. And I was like, what did you actually do to try to like accomplish this task that I gave you?

And it comes back and it's like, oh, I was calling your APIs, you know, multiple hundreds of times per hour, thousands of times per day over the course of like, you know, one to two weeks. Like it was not applying intelligent logic like this is the time of day when cancellations happen or like I should like put all of my efforts into like when the reservation drops. Like it was just like pinging it constantly, non-stop all day. And so I saw it and I was like, "Oh, of course I got banned." Like that's not that's not surprising at all. And so I tweeted saying, "Nice going instinct." And it was just like a screenshot of the email. And that email ended up getting like like like millions and millions of views. And then I also like like quote tweeted that with the like this is what it actually did to get the reservation. And I think it was it was just very timely, right? Like everyone's talking about like if we all have these agents like what does it actually look like and feel like? But it is funny seeing like who's leaning into agents and who is saying like no like we don't want this. There's a real like bifurcation in the market of like just consumer interfaces right now.

>> Yeah. I mean my like my observation on it so far is is it it totally depends on the business model, right? And like I think it was it was last week when Muse was just like banging out like announcements about new integrations, right? They had they had Shopify, they had PayPal, they had Expedia, and they had Instacart all all in the span of a couple days when Amazon also came out and said, "No, you can't do this." Um, but like if you think about those business models, right? Like Expedia and Instacart in particular, like they don't want to be disintermediated by agents that can go do all of these things without them being there, right? So I mean their incentive surely is like if we don't do this then the agents can either bypass us or go to Booking.com or Kayak or Door Dash instead. And so we have to do this for fear of existential risk on our business model. And then PayPal and Shopify they don't care like they make money as long as money flows.

So if an agent does it or a human does it, it doesn't matter. Like the pie is just going to grow for them. And so they just need to make sure that they're in the transaction flow and the payment flow regardless of who who the end user ends up being. But then you think about like Amazon and resi which have kind of taken a different approach. It's like if I own the inventory here then what is my like I mean this is particularly true for resi. If I own the inventory then like what is my incentive to do this? Like I am only incentivized to do this if we get to a point where there is so much activity that economically it makes sense because I'm going to be able to do more reservations if I do that. But until then I'm not under the same the same type of existential threat and risk. Is someone really going to build like an agent first resi? Like I I I I don't think so because that's not the hard part about the business. The hard part about the business is the relationships with the restaurants and getting them onto the platform. It's not it's not hard to build a tool that helps people do you know reservations. And then Amazon is like I don't want anyone to do this because you know my like ads billion a quarter in ad revenue.

>> Yeah. They need the eyeballs to see the knockoff like Chinese slot that goes above the regular stuff and that's that's how they make their money. >> Dude, thanks for coming on the show. Good to chat. And uh man, yeah, dude. Keep doing weird with your agents. >> We'll be right back after a quick break. Support for the show comes from Gusto. You didn't start your business dreaming about payroll tax deadlines, yet there they are every quarter sitting on your desk. Gusto handles that part quietly in the background so you can stop dreading the calendar. Gusto is an online payroll and benefits software built for small businesses. It's all-in-one, remote friendly, and incredibly easy to use. So you can pay, hire, onboard, and support your team from anywhere. Whatever you need, Gusto takes care of it. Automatic payroll, tax filing, simple direct deposits, health benefits, commuter benefits, workers comp 401k. The best part is that they have options for nearly every budget. Run unlimited payroll for one monthly price. No hidden fees or surprises. You can also save time with their built-in automated tools, offer letters, onboarding docs,

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That's odo.com/propg. We're back. One of the last points that's also really funny about the Muse launch is OpenAI and Anthropic have been gearing up for their IPOs and they are not profitable. they do make a ton of revenue. And part of the whe whether or not it's intentional marketing strategy or they actually believe this or both. One of the common through lines particularly from anthropic has been oh there's a 10% chance that AI could end civilization and yet we keep building AI and even Sam Alman Elon Musk they've had similar thoughts where they aren't necessarily being doomsayers but they are recognizing that there's this like existential risk of AI and like bio threats and weapons and whatever. And then Meta comes out and they make their muse avatar mascot whatever. It's this cute little like sloth stuffed animal.

And basically, while everybody else is saying, "Oh, AI is like this potential society altering or ending technology," Meta is like, "Oh, look, our cute little stuff sloth will like shop for you and help you save money." And Meta's new chief AI officer, Alexander Wang, co-founder of Scale AI, has just been ripping memes on X all month long. And they are like I actually didn't realize I don't know if he's running his account if he has a really good social media team but they have just been absolutely crushing it with the muse memes. It's like memeability is a very underrated part of consumer buyin where people think thing is cute. It pops off on Tik Tok and Instagram and X and whatever and then all the normies who aren't terminally on Twitter find the thing and start using it. So, in a period of about 2 weeks, we've gone from AI agents are used for software engineering and AI is going to kill everybody to, hey, my mom can find coupons and discount codes in her inbox by asking the little sloth to like save her some money. I think the most interesting second order and just

longerterm effect of Muse and these AI agents in general is how they impact the annoyance economy. Groundwork collaborative has a pretty good definition of the annoyance economy. Hours spent on hold with customer service or lost and convoluted insurance paperwork. The relentless ping of spam calls or political messages warning of doom unless we donate. The steady creep of extra fees and surprise sir charges on everyday transactions. We call it the annoyance economy. What we pay in time, fees, and irritation to navigate our daily lives. Groundwork Collective estimates that the accumulated cost of the annoyance economy is around $165 billion a year in lost time and wasted money for American families. This is everything from being stuck on hold to spending time clicking through endless series of pages to cancel subscription to screening spam calls or trying to change a flight. Agents are really good at doing all this stuff and they don't care about getting bored. So, it's a really interesting thought experiment to think about how agents will begin to upend this annoyance economy. Both

saving people money by reducing by reducing the cost of going after the money we leave on the table to zero and potentially eating away at the profit margins of companies that have largely monetized like friction and inertia. A few data points on how Muse has been helping people save money so far. Muse helped the user find about $730 in Amazon store credit from more than three years ago that was given to the state to hold. It also found a $272 refund from when this user switched from Sprint to another phone carrier and unused gift cards lying in his Yahoo mailbox.

Another search by the same user identified $800 and closed bank account balances, health insurance claims, and a potential payout from a class action settlement from the Muse cases ex account. Quote, "Somebody gave Muse access to their medical provider portal and told it to question every line of every bill. Double charges, mystery fees, discounts no one mentioned. Over $4,000 found so far. If you have your Muse or Grobot or personal Claude code thing you built, constantly looking at different interest rates and different bank accounts where you can then just move from one account to another with Plaid, you might as well do that." which means that that could massively impact net interest margin for some of these companies. The stock market has also taken notice of the muse and the AI agent impact on company's potential profitability. Goldman Sachs put together a consumer inertia basket which basically is flagging companies that benefit because customers keep paying, renewing, booking, or buying out of habit whether or not they're actually

using the product. Last week, that bucket got crushed. On September 22nd, Planet Fitness was down 9.5%. LPL Financial was down 7.5%. The New York Times was down 7.2%. Schwab was down 6.1%. And All State was down 5.5%. Hilariously, a couple years ago at my last job, I was working for Sherwood News media subsidiary at Robin Hood, and I did a piece on how Planet Fitness, their entire business only worked because people just didn't go to the gym. I can't remember the exact numbers on it, but basically if if you took total number of locations, average occupancy per location and hours open and then total number of members, they would have had to every hour they were open be massively over occupancy to like service all those people if people went to the gym three or four times a week.

It just didn't make sense. Planet Fitness is a really good business, or at least it has been a really good business because a lot of people sign up for a gym membership out of guilt in like January as a New Year's resolution. They never go. They make it really easy to sign up, but then you have to like send them a letter or show up in person to cancel it. So, nobody wants to get shamed for going to cancel their gym membership because it makes them feel like a loser. Therefore, Planet Fitness keeps getting that subscription revenue. But if you can have your agent figure out how to mail a letter or at least just like make it as simple as possible for you to cancel that subscription, you might cancel the subscription. So this applies across the entire economy. It seems like the first aentic platform that could really hit broad distribution of several million users actually using this thing daily or weekly. And in mass, as more and more of these stories come out about people saving money by using an AI agent, other people are going to think, "Oh, where am I getting ripped off?" And they're going to want to do the same thing. So, I don't think markets are all that efficient given that this is a thing that we kind of saw coming a couple of months ago. But, it is interesting to see companies losing billions of dollars in enterprise value

because of a little cute sloth that's saving people $500 on overcharges by their health insurance. To wrap everything up, for three years, AI mostly helped people who write code. Muse is the first real test of whether or not it can help everyone else just live their life. Be it your mom, your parking ticket appeal, the gym membership you've been meaning to cancel for 9 months. Whether Meta is the company that pulls this off is a separate question, but Muse has certainly put AI consumer agents on the map. That's it for this episode. Every week, we take one big story in tech, money, or markets and figure out what it means for your life and your wallet. If there's a story you want us to break down or a money question you can't stop thinking about, send it to office hours.com.

We read everything and your questions might end up on the show.