While ChatGPT may not be a formally recognized financial advisor, there’s little doubt that countless users turn to OpenAI’s latest version of the agentic AI model to discuss their current fiscal situation — particularly surrounding how best to manage their budgets while enjoying retirement. So, posing the question to the latest model (ChatGPT 5.1, as of this writing), what answers did the AI chatbot come up with when restricted to a budget of $4,000 monthly? ChatGPT Provides a Retirement Budget A few ...