Some people use their AI agents to save money. I decided to do the opposite and ask it to tell me how to spend my money.

My whoa moment: I'm a K-pop fan, and my favorite stars — Jeonghan and Joshua, from the group Seventeen — opened preorders for their new album "Dreamscape" on Wednesday morning.

I didn't have the time or energy to parse through all the listings for "preorder bonus" gifts; things like limited-run photocards and polaroids that go to fans who place their orders early. Collecting limited edition K-pop merchandise can be a bit of a blood sport, so I wanted a solid strategy.

I asked Instinct to create a "buy plan" to maximize my fan experience. It took three minutes to surface a link to exclusive signed copies available for early orders on the band's US website. The agent also gave me a road map for purchase quantities and the optimal time to make those orders.

Instinct saved me two hours with one prompt. Without it, I would have missed the window to purchase the US-only autographed albums.

I did receive a bit of judgment from the agent — it asked me not once but twice if I'd set a cut-off budget for my buy plan. I had not, and did not intend to set one!

I haven't plucked up the courage to give the agent my credit card details yet, though.

My yikes moment: I was less impressed during my first 24 hours of using Instinct, when I added it to my Notion dashboard and asked it to do an overhaul. It ended up clearing out my goals calendar and schedule, and replacing it with a new — but blank — template.

Instinct's WhatsApp-based chat feature is intuitive and consumer-friendly. But for optimal results, you've got to be precise in your prompts, and lay out exactly and unambiguously what you want the agent to do.