Can artificial intelligence help manage your money? For author Adrian Brambila, the answer is a clear yes. Adrian Brambila turned his financial anxiety into a structured money plan—with the help of ChatGPT. By simply sharing his salary breakdown, the author and entrepreneur received tailored budgeting and investment advice based on the 50/30/20 rule, sparking fresh debate about the role of AI in personal finance.
In a widely shared Facebook post, Brambila explained how he used ChatGPT to transform his money worries into a stress-free financial routine. All it took, he said, was feeding the AI his income details and asking for help. What followed was a comprehensive, app-free, advisor-free plan—crafted entirely through conversation.
Brambila’s aim was simple: reduce financial stress and build a sustainable routine. “Just 7 prompts and total clarity over my money,” he wrote.
Instead of juggling spreadsheets or relying on financial apps, he used ChatGPT to build a system that helped him regain control. The AI-generated roadmap included everything from budgeting and savings to goal tracking and basic investment—all personalised to his lifestyle.
Create a zero-based budget, assigning every dollar a specific purpose
Apply the 50/30/20 rule to allocate income
Design a cash flow tracker for monthly earnings and expenses
Set monthly savings targets aligned with personal goals
Draft a weekly check-in system to stay on course
Outline a beginner-friendly investment strategy
Build a low-tech financial routine without paid apps or subscriptions.
The outcome, according to Brambila, was simple but powerful: “Clarity = peace of mind.”
At the heart of the plan was the 50/30/20 rule—a popular budgeting framework that divides income as follows:
50 percent to essential expenses (such as rent, groceries, and transport)
30 percent to discretionary spending (like dining out and hobbies)
20 percent to savings and debt repayment
The method offers a practical structure without being overly restrictive, making it especially appealing to those daunted by complex spreadsheets or traditional budgeting methods.
Brambila’s post quickly attracted attention online. While some were surprised by how effective free AI tools can be in offering customised financial advice, others expressed scepticism about trusting algorithms with sensitive money matters.
Still, for many struggling with personal finance, Brambila’s experiment serves as a timely reminder: sometimes, all it takes is the right prompt.
