In an increasingly complex financial landscape, the ability of individuals to make sound investment decisions hinges on their level of financial literacy. With the proliferation of financial data and the advent of digital technologies, artificial intelligence (AI) and machine learning (ML) have emerged as transformative tools in bridging financial knowledge gaps. This paper explores how AI and ML can enhance personal financial literacy and inform investment strategies. It examines intelligent recommendation systems, robo-advisors, personalized learning platforms, and predictive analytics, highlighting their role in empowering individuals to make informed decisions. The study also evaluates ethical concerns, data privacy, and algorithmic transparency. A mixed-methods approach is used, incorporating recent case studies and surveys to assess user interaction with AI-driven financial tools. Results indicate that AI significantly improves decision-making confidence, accuracy, and financial engagement, especially among younger and digitally-native populations. This research contributes to the ongoing discourse on digital financial inclusion and advocates for responsible AI integration in personal finance