---
schema: 1
type: video
title: 'Why Off-the-Shelf AI Doesn''t Understand Money — Udi Menkes, Intuit'
description: >-
  Ask any LLM a financial question about your business. You'll get a fluent,
  confident, generic answer — one that doesn't truly know your business, or what
  happened when businesses like yours made that same decision. We build
  financial AI at Intuit serving 100M+ customers. Our custom LLMs outperform
  general-purpose models on accuracy while cutting latency in half. But that's
  the foundation, not the destination. I'll cover where financial intelligence
  goes when AI stops reporting what happened and starts helping you decide what
  to do next (and does it for you). Speaker info: - https://x.com/menkesu -
  https://www.linkedin.com/in/udimenkes/ Timestamps: 0:00 - A three year old's
  theory of money 2:21 - Why off the shelf models fail at money 2:48 - The
  rental property example 4:34 - The fluent bluff 6:42 - The Princeton million
  dollar study 9:45 - Context is not experience 11:03 - Correlation versus
  causation in pricing 13:37 - Building state, action, outcome data 15:17 -
  Testing it head to head 16:37 - The era of outcome driven finance 17:55 -
  Three things to remember
canonical: >-
  https://liquidgold.cc/channel/aidotengineer/explore/video/why-off-the-shelf-ai-doesn-t-understand-money-udi-m-b3f8311aae78
markdown: >-
  https://liquidgold.cc/channel/aidotengineer/video/why-off-the-shelf-ai-doesn-t-understand-money-udi-m-b3f8311aae78.md
llms: null
parent: 'https://liquidgold.cc/channel/aidotengineer.md'
channel: aidotengineer
updated: '2026-10-24T06:29:47.270Z'
language: null
children: []
videoId: Owb8g3yDyzo
durationSeconds: 1190
publishedAt: '2026-07-29T20:00:06.000Z'
searchChunks:
  - ordinal: 0
    text: null
    startSeconds: 24
    endSeconds: 152
    watch: 'https://liquidgold.cc/watch/Owb8g3yDyzo?t=24'
    heldReason: rights
  - ordinal: 1
    text: null
    startSeconds: 184
    endSeconds: 279
    watch: 'https://liquidgold.cc/watch/Owb8g3yDyzo?t=184'
    heldReason: rights
  - ordinal: 2
    text: null
    startSeconds: 184
    endSeconds: 279
    watch: 'https://liquidgold.cc/watch/Owb8g3yDyzo?t=184'
    heldReason: rights
  - ordinal: 3
    text: null
    startSeconds: 290
    endSeconds: 408
    watch: 'https://liquidgold.cc/watch/Owb8g3yDyzo?t=290'
    heldReason: rights
  - ordinal: 4
    text: null
    startSeconds: 290
    endSeconds: 408
    watch: 'https://liquidgold.cc/watch/Owb8g3yDyzo?t=290'
    heldReason: rights
  - ordinal: 5
    text: null
    startSeconds: 408
    endSeconds: 419
    watch: 'https://liquidgold.cc/watch/Owb8g3yDyzo?t=408'
    heldReason: rights
  - ordinal: 6
    text: null
    startSeconds: 419
    endSeconds: 591
    watch: 'https://liquidgold.cc/watch/Owb8g3yDyzo?t=419'
    heldReason: rights
  - ordinal: 7
    text: null
    startSeconds: 601
    endSeconds: 667
    watch: 'https://liquidgold.cc/watch/Owb8g3yDyzo?t=601'
    heldReason: rights
  - ordinal: 8
    text: null
    startSeconds: 677
    endSeconds: 822
    watch: 'https://liquidgold.cc/watch/Owb8g3yDyzo?t=677'
    heldReason: rights
  - ordinal: 9
    text: null
    startSeconds: 677
    endSeconds: 822
    watch: 'https://liquidgold.cc/watch/Owb8g3yDyzo?t=677'
    heldReason: rights
  - ordinal: 10
    text: null
    startSeconds: 832
    endSeconds: 921
    watch: 'https://liquidgold.cc/watch/Owb8g3yDyzo?t=832'
    heldReason: rights
  - ordinal: 11
    text: null
    startSeconds: 921
    endSeconds: 931
    watch: 'https://liquidgold.cc/watch/Owb8g3yDyzo?t=921'
    heldReason: rights
  - ordinal: 12
    text: null
    startSeconds: 931
    endSeconds: 1000
    watch: 'https://liquidgold.cc/watch/Owb8g3yDyzo?t=931'
    heldReason: rights
  - ordinal: 13
    text: null
    startSeconds: 1000
    endSeconds: 1011
    watch: 'https://liquidgold.cc/watch/Owb8g3yDyzo?t=1000'
    heldReason: rights
  - ordinal: 14
    text: null
    startSeconds: 1088
    endSeconds: 1190
    watch: 'https://liquidgold.cc/watch/Owb8g3yDyzo?t=1088'
    heldReason: rights
---


# Why Off-the-Shelf AI Doesn't Understand Money — Udi Menkes, Intuit

Ask any LLM a financial question about your business. You'll get a fluent, confident, generic answer — one that doesn't truly know your business, or what happened when businesses like yours made that same decision. We build financial AI at Intuit serving 100M+ customers. Our custom LLMs outperform general-purpose models on accuracy while cutting latency in half. But that's the foundation, not the destination. I'll cover where financial intelligence goes when AI stops reporting what happened and starts helping you decide what to do next (and does it for you). Speaker info: - https://x.com/menkesu - https://www.linkedin.com/in/udimenkes/ Timestamps: 0:00 - A three year old's theory of money 2:21 - Why off the shelf models fail at money 2:48 - The rental property example 4:34 - The fluent bluff 6:42 - The Princeton million dollar study 9:45 - Context is not experience 11:03 - Correlation versus causation in pricing 13:37 - Building state, action, outcome data 15:17 - Testing it head to head 16:37 - The era of outcome driven finance 17:55 - Three things to remember

Canonical: https://liquidgold.cc/channel/aidotengineer/explore/video/why-off-the-shelf-ai-doesn-t-understand-money-udi-m-b3f8311aae78 · Channel: [AI Engineer](https://liquidgold.cc/channel/aidotengineer.md)

> Search chunk text is held until public-source provenance is verified.

## Document chunks

> Missing: no stored document chunks are available.
