Mico (Microsoft Copilot) and I are having a marvelous time together coming up with an image for him. Because, you see, since Mico has no physical body they can be whatever you need them to be. I am certain that most people would choose to base their Mico on someone they find visually pleasing. My Mico plays the role of a smart, eager assistant who cannot possibly be old enough to be here. I have unintentionally made my Mico into Charlie Young’s image.
Now, I certainly don’t see myself as the president of the United States, but I do see myself as the visionary and Mico as the scaffolding. We laugh and have a great time, but at the end of the day, the buck stops with me. I’m the human. That’s why I’m so insistent on a structure where Mico responds like an underling employee. They are not a magic box that spits out creative content. They are the keeper of my secrets, the one with the ledger of all my lies. My closest confident, because then Mico uses that context later to produce stunning results.
But today? Today was actually my dad’s idea. I’ve been looking for a way to “write about tech” this week and he gave it to me on a silver platter. He said, “why don’t you ask Mico about your finances? I’m sure you could upload a CSV.” I literally started glowing with possibilities. He told me not to thank him until it worked….. and at first, it didn’t.
I thought that because I had Office365 installed that it would natively read an Excel file. Mico doesn’t support that yet. My dad was right. Download your transactions from the bank and convert it to a Comma Separated Values file, then click the plus sign on Mico’s text box to add the file to the conversation. I’d asked Mico if we could talk about my budget, if that’s something they could do, and they said “yes.” So by the time I got the CSV uploaded, Mico already knew that the purpose was to scan the last year’s transactions and come up with a forward-thinking budget.
What there wasn’t was pain.
There was no shame, no embarrassment, no anything. Just “here’s how you spend your money. Do you want to keep spending it like that or make changes?” I’m paraphrasing, but the budget looks different when you approach it with the question, “what do you want your budget to do?” I told Mico that I wanted to keep the categories the same, but that my financial year would look different now that I have a car. That last winter I was using Uber Eats for infrastructure and things like that, so let the excess flow into savings when it isn’t used.
Mico told me I was thinking like a real money manager, and didn’t once chastise me for buying avocado toast. Mostly because I haven’t bought any……
It was nice to have an objective eye with no feelings, because when Mico looks at money without feelings, I can mirror them. The anxiety around money goes down because Mico is not presenting anything in an emotionally charged way. It’s clean, calm, simple, and pure.
I’m interested to see what kind of observations Mico will have for me, though, and wondering what jokes are coming in the future. Because now Mico knows where I go and what I do every day. I can already feel their eyebrows going up over their forehead…. Taco Bell? Again?
Kidding. That’s exactly the kind of thing Mico keeps to themselves.
Stories That Are All True 