India, July 1 -- A 35-year-old woman from Delaware is showing how a mix of discipline and digital help can make a real difference. Jennifer Allan, a realtor and content creator, told Newsweek that she managed to clear over $12,000 of her $23,000 credit card debt - and she did it in just 30 days with the help of ChatGPT.

Despite earning a decent income, Jennifer said she had long struggled with budgeting and financial planning. "Not because I don't make enough, but because I was never taught financial literacy," she told Newsweek. For years, she tried to work harder instead of addressing the root of the problem.

That approach collapsed after she became a mother. "We weren't living lavishly, we were just surviving. But the debt piled up w...