New Delhi, Aug. 7 -- Let me start with a confession: I always believed that I was good with money. But as it turned out, I was not. At least Gen AI told me so.

No flashy splurges, no risky bets, and enough personal finance blogs under my belt to dodge the usual traps. Yet every month, my salary would come in, briefly pump up my bank balance, and then vanish into thin air.

I blamed inflation. I blamed adulthood. I blamed Swiggy surge pricing. But here's the thing, deep down, I knew something wasn't adding up.

So, one night, driven by curiosity and a hint of desperation, I exported six months of my UPI transaction history, that messy log of Rs.48 chai stops, Rs.313 food orders, Rs.799 Amazon buys, and Rs.150 auto rides, and fed it to Cha...