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AI was supposed to help companies cut costs. But what happens when AI costs more than the workers it's supposed to replace? That's one of the questions we're exploring in this week's MoneyNerd. Plus: š Prime Day is coming early. Here's how to avoid sale-driven impulse buys. š½ļø What a $70 family dinner taught one writer about summer spending. š”ļø Why life insurance may be more affordable than many people think.