October 2025

Mortgages, Money, and the Myth of Fractional Reserve Banking

In this episode of Talking to AI, Paul unpacks one of the most misunderstood topics in modern finance — how mortgages, bonds, and fractional reserve banking truly work. From the mechanics of mortgage-backed securities to the myths of money creation, this deep dive reveals how banks make money, why they can lend more than they

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Talking to AI — ChatGPT’s Voices & Accents: A Conversation in Style

In this lighthearted and fascinating episode, Paul Ayling explores ChatGPT’s remarkable ability to switch between accents and tones — from a friendly default to humorous, business-like, academic, and even Norwegian or Australian. Together, they test how far AI voices can stretch across cultures, emotions, and personalities, discovering both the creativity and the limits of synthetic

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Talking to AI — Setting Up Audio: When AI Meets Complexity

Paul Ayling dives into the surprising challenges of configuring a multi-participant AI podcast recording using a Zoom H5, MacBook Pro, and iPhone — while juggling ChatGPT and Grok on separate channels. What began as a two-hour task turned into a two-day lesson in iteration, feedback loops, and the limits of automation. Paul reflects on documentation,

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Can AI Be a Dungeon Master? Setting up Playing Dungeons & Dragons with ChatGPT

Ever wondered if artificial intelligence can guide you through a fantasy adventure? In this episode, Paul experiments with turning ChatGPT into an AI Dungeon Master, running a Dungeons & Dragons campaign complete with dice rolls, character sheets, and cinematic narration. What begins as a test quickly turns into a surprisingly immersive experience — with sword

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The Prisoner’s Dilemma: What is it really and why is it relevant

What do two silent prisoners have to do with artificial intelligence, climate policy, and online reputation systems? In this episode of Talking to AI, Paul dives into one of the most fascinating and misunderstood concepts in Game Theory — The Prisoner’s Dilemma. From international climate agreements to eBay seller ratings, Paul explores how human behavior,

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Do Banks Really Lend You Money? The Hidden Truth Behind Mortgages and Modern Banking

Most people think they understand how mortgages work — you borrow money from a bank, buy a house, and pay it back with interest. Simple, right?Not quite. In this episode, Paul dives deep into what really happens when you take out a mortgage — and discovers that the story isn’t nearly as straightforward as we’ve

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Learn Norwegian with AI – Part 2: From Phrases to Real Conversations

n this new episode of Talking to AI, Paul dives deeper into the world of language learning — this time continuing his hands-on experiment: learning Norwegian with AI.In Part 2, he takes the conversation beyond simple words and phrases, moving toward real, natural dialogue — with the AI correcting pronunciation, translations, and responses along the

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What happens when you try to play a game with artificial intelligence?

In this episode, Paul brings a playful twist to Talking to AI by challenging ChatGPT to a few classic games — first a card game experiment, then a round of the timeless “Animal, Mineral, or Vegetable.” What starts as a simple idea quickly becomes an exploration of how AI handles rules, reasoning, and even the

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Unlocking Productivity: How to Get the Most Out of ChatGPT’s Interface

Have you ever wondered if you’re only scratching the surface with ChatGPT? In this episode, Paul explores how understanding the ChatGPT interface can radically boost productivity. From “Projects” that act as memory containers to “GPTs” — little AI apps designed for specific tasks — Paul dives into what each part of the interface really does.

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