I asked ChatGPT: I earn ₹1 lakh yet drowning in debt - how long will it take to recover? AI explains what must change

ChatGPT warns that a ₹1 lakh salary is not enough to comfortably sustain a debt-heavy lifestyle with 36% credit card interest. The chatbot recommends cutting variable expenses sharply, stopping credit card usage entirely and restructuring repayments to become debt-free within 2-5 years.