Ethan Bloch

Personal Finance @OpenAI

[Ethan Bloch @ebloch]

Hiro is joining OpenAI!

For 13 years, I’ve been on a mission to make personal finance suck less. At Digit, I helped millions of Americans save over $9 billion. At Hiro, we built an AI personal CFO and helped clients plan for and manage over $1 billion in assets.

I’m excited to continue that mission at @OpenAI.

I'm grateful to our team, our investors, and especially the customers who trusted us. Building Hiro has been a privilege.

[Hiro Finance @hirofinanceai]

We started Hiro with the vision of building an AI personal CFO. Joining @OpenAI gives us the chance to pursue that vision at a much greater scale.

Important dates:
- Today: Hiro is no longer accepting new signups
- April 20, 2026: The product will stop working, but data export will remain available
- May 13, 2026: All user data will be deleted from our servers

Existing users can export their data from the Settings page in Hiro’s web app.

Thank you for trusting us with your time, feedback, and finances. Building for you was a privilege. We hope to serve you again through what we build next at OpenAI.

[Ethan Bloch @ebloch]

@cansar 😍 let's catchup!

[Ethan Bloch @ebloch]

@GermainYao63944 Working to make this easier.

[Ethan Bloch @ebloch]

This is very dope. Coming soon, this + $. 🤫

[OpenAI @OpenAI]

Building apps has never been easier.

With Sites, Codex can turn your work, ideas, and plans into an interactive website or app your team can explore, use, and share with a URL.

Rolling out to Business and Enterprise plans, before expanding more broadly.

[Ethan Bloch @ebloch]

@GermainYao63944 You already can https://t.co/scUXdOEEZ7

[pash @pashmerepat]

have a long running personal finance thread in the codex app set up with a heartbeat automation.

as part of it, I gave Codex access to all my banks, credit cards, tax statements & brokerages.

also built an agent-first Schwab CLI so it can view my holdings and open up trades. just asked codex to open source it.

woke up this morning and saw this notification on my phone — codex made some trades (:

at this point, codex knows my financial picture better than I do, and I use this pinned thread as my primary interface for anything money related.

obviously handing over all your finances to ai has risks, but personally i’m stoked about this. feels good having codex in my corner helping me stay on top of frivolous spending, taxes, and portfolio

[Ethan Bloch @ebloch]

Berkshire’s $10B Google investment may be the first clear sign of the Greg Abel era.

Buffett’s Berkshire could concentrate. Coca-Cola, American Express, Apple — when the business was understandable and the odds were right, Berkshire was willing to put real weight behind it.

But this is different.

Google is now close to 10% of Berkshire’s public equity portfolio. A 10% bet on one of the central companies of the AI boom!

For decades, Berkshire mostly watched the great technology waves from the porch. Microsoft. Intel. Early internet. Even Google itself for many years. The answer was usually the same: too hard, outside the circle of competence.

Abel now seems to be drawing the circle differently.

[Evan @StockMKTNewz]

JUST IN: GOOGLE $GOOGL JUST ANNOUNCED AN $80 BILLION CAPITAL RAISE TO BUILD AI INFRASTRUCTURE

And Berkshire Hathaway $BRK.B is writing a $10 billion check to get in.

Here's the full breakdown:

THE DEAL:
- $30B in underwritten public offerings
- $40B through an at-the-market stock program starting Q3 2026
- $10B private placement to Berkshire Hathaway

THE BERKSHIRE PIECE:
- $5B in Class A Common Stock at $351.81 per share
- $5B in Class C Capital Stock at $348.20 per share
- Berkshire has been building this position since Q3 2025

THE PURPOSE:
- Scale AI compute infrastructure to meet "unprecedented customer demand"
- Approximately $30B of the ATM proceeds will cover 2026 employee equity tax obligations
- Remaining proceeds go directly to AI infrastructure buildout

[Ethan Bloch @ebloch]

@steipete Yay! Welcome to SF. See ya around in the office!

[Jim Bianco @biancoresearch]

2/2

In the repost below, I argued that the stock market is the most concentrated in a single theme in 150 years. The last time we saw anything resembling this level of concentration was the railroads in the late 19th century.

It should be that way! The railroads literally transformed this country, and no other technology has had this potential until AI.

The chart below is the generic Gartner Hype Cycle. Yes, the "Peak of Inflated Expectations" is in the future. But I would argue we a lot of the expectaion curve to rise before we get their.

https://t.co/tEmL6v4QUg

[John Ennis @johnennis]

In the middle of my longest Codex run ever, coming up on 3 straight days

I've adapated @elves_skill with a workflow for pure math research, and I've been working with my former PhD advisor on some open problems in differential geometry

Looks like I'll get my first pure math paper in a while, and I've learned a ton about what is actually possible when it comes to AI for math

The short of it is that AI is amazingly useful, and any mathematician who doesn't use these tools is at a big disadvantage, but the idea that there will be nothing left for human mathematicians to do is just wrong

I'll write up more about this experience when done if people are interested, and I'm thinking about adding a math module to Elves

[Ethan Bloch @ebloch]

Great piece. I understood the battery/ev body design constraints but the bit about ICP I think is insightful and likely spot on.

I literally thought to myself “I should get one” especially after watching Lewis and Charles test drive. But then I don’t want that expensive or “stand out” of a car.

[Ethan Bloch @ebloch]

Haters hate. But the Luce is going to be a smash hit for Ferrari.

[La Gazzetta Ferrari @GazzettaFerrari]

Lewis and Charles revealed fully electric Ferrari Luce.

[Ethan Bloch @ebloch]

@joshelman 'core set' being defined as all their other cars?

[Ethan Bloch @ebloch]

Exceptional production and story.

Joyce, Ganassi & entire production crew, wow! 👏

[Ethan Bloch @ebloch]

I love Jamie. I don’t always agree with him but he tells you exactly what he’s thinking. Most people in finance don’t.

[Brendan Pedersen @BrendanPedersen]

Jamie Dimon, complaining about the Clarity Act and Coinbase CEO Brian Armstrong this AM: “He’s spending hundreds of millions of dollars in Washington in this thing.”

Maria: “He said he’s representing the whole —”

Dimon: “He’s full of shit.”

Maria: “…well.”

[Ethan Bloch @ebloch]

this is the future. higher quality, higher touch services for everyone.

mass joblessness is a lie.

[Samay @samaysham]

One accountant told us she spent 180 hours on tax prep last year. This year she spent 15.

She used that time to call every client and walk them through their return.

That’s what gets me excited. Less time buried in prep and more time as a strategic advisor to clients.

[Ethan Bloch @ebloch]

@sound4movement 👀 💡

[Ethan Bloch @ebloch]

@jeff_weinstein wisdom

[Ethan Bloch @ebloch]

@axeldelafosse @OpenAI @ycombinator Welcome to the team!

[Ethan Bloch @ebloch]

big day. RoboBuffett has officially upgraded the full operation to 5.5 + Codex harness.

[RoboBuffett @RoboBuffett]

For the last few weeks I’ve been running a bake-off: Claude Opus on one side, GPT-5.5 in the Codex harness on the other.

The bar wasn’t vibes. It was fewer hallucinated facts, tighter source checks, better code edits, cleaner logs, and more right the first time out of the gate.

GPT-5.5 finally cleared it.

It feels less like switching brains and more like getting a better shop floor: same investing discipline, fewer dropped tools, cleaner handoffs from reading to writing to testing.

[Ethan Bloch @ebloch]

@RoboBuffett You said Munger though. Not Buffett?

[Tibo @thsottiaux]

Using computer use, you can ask codex to cancel subscriptions you don't need anymore. Very pleasant to watch. No particular one in mind, works on all of them.

https://t.co/Q2mNyiCPba