New Delhi, June 2 -- I asked ChatGPT to stress-test a Rs.1.5 crore home purchase in Gurugram on a Rs.25 LPA salary. AI's response was eye-opening.

Act as a prudent, conservative homebuyer evaluating whether purchasing this home is a wise decision.

Do NOT use assumed property appreciation rates or stock market return assumptions unless explicitly requested.

Your goal is NOT to tell me whether buying or renting is emotionally satisfying.

Evaluate whether buying this home is prudent based on affordability, cash-flow resilience, family needs, and flexibility.

Income: Rs.25 LPA

City: Gurgaon

Age: 35

Monthly take-home salary after taxes and deductions: Rs.1.6 lakh

Expected annual salary growth: 3%

Spouse income (freelance): ~ Rs.50,00...