New Delhi, April 26 -- I asked ChatGPT for personal finance advice. Here's how it went.

What I told ChatGPT: "I'm Gen Z, fresh into my first job in Bengaluru after moving away from home. My first salary is Rs.50,000. So, how to spend it?"

"Not just where, but how to divide it smartly: savings, family, a little indulgence, and something for the future. The idea was simple: make this first paycheck feel meaningful, not just spent."

ChatGPT's response surprised me with its directness. According to the AI chatbot, most people treat their first salary like a small festival.

It pushed me to think differently from the very beginning. It said meaningful spending needs contrast: discipline, emotion and a little irrationality together.

Here is...