Humans see AI as omnipotent, which has the answers to all people's questions. Many people are sharing many stories where AI has helped them. Can artificial intelligence help you get out of financial trouble and organize your finances? Yes, it can, says writer and entrepreneur Adrian Brambilla.
In a viral facebook post, Prambila says she was in financial trouble and turned to ChatGPT for help, sharing her paycheck with it. ChatGPT responded with a simple, stress-free system. ChatGPT then provided her with a step-by-step financial plan that didn’t require any apps, spreadsheets, or professional advice. Prambila made a straightforward request to it: ‘Reduce financial anxiety and create a money routine that actually works.’ “I got complete clarity on my money usage in just 7 prompts,” she wrote.
Instead of getting too emotional about budgets and expenses, AI helped her create a routine that put her back in control of her life. The process involved everything from budgeting and saving to goal tracking and basic investing, which she says is completely aligned with her lifestyle.Here’s what ChatGPT helped her with:
- Create a zero-based budget, assigning a purpose to every dollar.
- Use the 50/30/20 rule to divide monthly income.
- Design a simple cash flow tracking system for monthly expenses and income.
- Set monthly savings goals that are linked to personal goals.
- Draft a weekly financial check-in to stay consistent.
- Emphasize a beginner-friendly investment strategy.
- Create a monthly system that doesn’t rely on tech tools or paid subscriptions.
- Prambilla described the AI-generated results as “clarity = peace of mind.”
What is the 50/30/20 rule?
A key part of the AI-generated plan is the 50/30/20 rule. It’s a popular budgeting method. It recommends allocating your finances to:
- 50% of your income for essential expenses (like rent, groceries, and transportation).
- 30% for discretionary expenses (like dining out or entertainment).
- 20% for savings and debt repayment.
This rule provides structure without restriction, making it ideal for those who want to manage their money without delving into complex spreadsheets.
Prambla’s AI experiment sparked interest and conversation online. The idea that a free tool like ChatGPT could provide such personalized financial guidance piqued many people’s curiosity. Others questioned whether AI could be trusted with money matters. However, for those who struggle with money management or are looking for a simpler approach, her experience could be a perfect guide. All you have to do is tell the AI your problem, give it the right prompts, and it can come up with a solution in seconds!!
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