A Delaware woman paid off nearly ₹10 lakh debt in one month with help from ChatGPT. She used the AI tool daily to improve her financial decisions. The 35-year-old woman was working as a realtor and content creator. She had ₹19.7 lakh ($23,000) in credit card debt.
Despite steady earnings, she lacked financial knowledge. Rising parenting costs and medical bills made things worse. “We weren’t overspending. We were just trying to get by,” she said.
The US woman, Jennifer Allan, started a 30-day debt challenge using ChatGPT. She asked the AI for one helpful tip every day. ChatGPT gave her small tasks like cancelling unused subscriptions. It also suggested meal planning to cut grocery bills. She followed pantry-only meals for a month and saved $500.
A major breakthrough came when ChatGPT asked her to review all accounts. She found ₹8.5 lakh ($10,000) in a forgotten broking account. This helped her pay off a large chunk of her debt. “It wasn’t about some complex financial trick, just showing up and doing one small thing,” she said. ”
ChatGPT’s financial advice helped Allan repay ₹10 lakh ($12,078) in just 30 days. She also paused entertainment expenses and sold unused household items. Every suggestion from the AI saved her money. The strategy was simple, sustainable, and easy to follow.
To start your own journey toward financial freedom using ChatGPT, try this powerful prompt:
"Act as my personal financial coach. Give me one daily actionable step to reduce my debt, cut expenses, or increase income. Tailor each tip based on practical, low-effort strategies suited for someone with limited financial knowledge and a fixed monthly income."
Use this prompt every morning for 30 days, stay consistent, and track your progress. Allan said the chatbot replaced the need for a financial advisor. “AI gave me control over my money and my future,” she said. Her story has gone viral across social media platforms. She now encourages others to try similar challenges.
Experts say AI models like ChatGPT can help those with low financial literacy. Their advice can simplify budgeting, saving, and debt repayment for many users. This shift toward AI tools could redefine personal finance by offering accessible guidance at any time.
Also Read: 5 ChatGPT Prompts for Managing Your Crypto Trading