OpenAI made free ChatGPT text chats unlimited on August 6, and Plus still bills $240 a year. Five checks that decide whether yours is now dead weight.
Debt avalanche vs snowball, run by ChatGPT on $29,359 of real inputs: both finish in month 34, snowball costs $402.87 more, and 40% have no real choice.
The USDA number for my exact household is $895 a month. I had ChatGPT sort three months of receipts against it, and the gap was not where I expected.
Three months of statements misses annual renewals. Here is the 13-month audit I ran through Claude, and the seven recurring charges it pulled out.
I ran one 2026 pay stub and my W-4 through Claude. It found a stale dependent credit and a $2,910 shortfall, with eight paychecks left to fix it.