India, June 14 -- ChatGPT isn't just for coders anymore. It's quietly becoming a no-nonsense tool for personal finance and decision-making, especially when you need blunt, judgment-free advice. In a world where managing money well is non-negotiable, using AI to cut through the noise makes sense.

Here's one thing most users don't realise: if you want useful answers, stop being polite. Words like "please" and "kindly" won't get you far. ChatGPT works best when you're direct, even harsh. Treat it like a tool, not a person.

Start a fresh new chat with ChatGPT. Never mix topics in a single chat with any GPT to avoid hallucinations. Use this as the first prompt:

"Don't bullshit. Keep it straight and to the point. Totally practical and harsh....