Jennifer Allan, a 35-year-old realtor and content creator from Delaware, used ChatGPT in a creative and disciplined way to tackle her $23,000 (Dh84,467) credit card debt. She launched a 30-day TikTok challenge where she asked ChatGPT daily for actionable advice to either save or earn money.

Allan, who admitted to struggling with financial literacy throughout her adult life, found herself deep in debt after unexpected medical expenses following her daughter’s birth. Relying on credit cards to manage basic needs, the debt quietly accumulated.

Throughout the challenge, ChatGPT offered her practical suggestions—from canceling unused subscriptions to selling household items, searching for unclaimed funds, and checking forgotten finance apps. These efforts helped her earn over $100 initially, but the real breakthrough came when she discovered a brokerage account and financial assets worth over $10,000 (Dh36,725) that she had forgotten.

By Day 30, Allan had paid off over $12,000 (Dh44,359), nearly half of her total debt. She credits the process not just to AI, but to facing her financial reality head-on—tracking expenses, building a debt tracker, and publicly sharing her journey, which helped remove the shame.

Now, she’s begun a second 30-day challenge to eliminate the rest of her debt. She emphasized that the transformation came not from a secret hack but from persistence, transparency, and a daily commitment to change.

Her story stands out as the U.S. faces record-high household debt, reaching $18.2 trillion in Q1 2025, according to the Federal Reserve Bank of New York.