New Delhi, June 11 -- I keep converting expenses into EMIs. Is this normal cash flow management? Or, have I quietly become dependent on debt? I finally decided to ask ChatGPT.

I want ChatGPT to act as a seasoned household cash-flow planner. Help me answer one uncomfortable question honestly: Have I become financially dependent on EMIs without realising it?

I am not talking about major borrowing decisions such as home loans or business loans. I am talking about something quieter and more difficult to notice. Over the last few years, I have developed a habit of converting ordinary expenses into instalments.

Travel becomes EMI. Insurance becomes EMI. Electronics become EMI. Annual purchases become EMI. One repayment ends and another begin...