The AI version you are using right now is probably not the best one for the task, and the clip says it can cost you money. In this Fargo Walks episode Jeff Fargo gives the fix: ask the AI which version of itself fits the task before you start.
How do you find the right AI version for a task?
Ask it. When you start a new task, send this question: what is the best version of you for this task? In Jeff's words, "It will probably point you to a different version. Use that one."
What do you get out of switching versions?
Less of your plan spent on the task. The clip puts it plainly: "You use up less of your plan, and on a usage-billed plan you pay less."
Should you be paying for AI at all?
If you are on it regularly, yes. The clip's caveat is direct: "if you're on AI more than three or four times a week, pay for it." Jeff adds that built out correctly, it should pay for itself within the first couple of hours.
Related reading: Saying Please to ChatGPT Won't Get You Better Answers and Why I Switched From ChatGPT to Claude in 2026.
What this does not mean
It does not mean you will always be sent somewhere else. The clip says the AI will probably point you to a different version, not that it always will.
It does not mean the goal is to spend less on AI. The clip's caveat runs the other way: if you are on AI more than three or four times a week, pay for it.
The decision
On the next task you open, ask the question first: what is the best version of you for this task? Use the version it names. And if you are on AI more than three or four times a week, pay for it.
Sources
- Fargo Walks, episode 107: Is ChatGPT Right for You? Ask It Which Version Fits the Task. Published October 20, 2026. Every claim on this page comes from the clip's title, description and the transcript below. The transcript was taken from the clip's audio and transcribed in Descript on October 20, 2026.
Transcript
The AI version that you're using right now is probably not the best version, and it's costing you money. When you prompt a new task, ask it, "What's the best version of you I should be working in for this task?" And send it. See what it says. It's probably gonna tell you a different version of it, and use that.
Then you're gonna burn less tokens. If you're paying, you're gonna pay less money. And as a caveat, if you're on AI more than three to four times a week, you should be paying for it. Because if it's built out correctly, it pays for itself within the first couple hours that you're using it. I'm Jeff Fargo. I can help you streamline and scale with AI.
Go forth.
I'm Jeff Fargo, founder of Fargo Factor. I help businesses streamline and scale with AI. https://www.fargofactor.ai
WHEN THE DECISION MATTERS
Paying for more AI than your tasks need?
Bring the tasks you run through AI each week. I can help you match them to the right version and see where your plan is going.
