A Bengaluru-based professional earning ₹30 lakh annually was advised by ChatGPT that buying a ₹20 lakh car is financially comfortable, but paying the full amount from savings is not the wisest move. After analyzing a detailed financial profile, the AI concluded that financing the purchase with a ₹5 lakh down payment is the more rational option, as it preserves liquidity, keeps investments intact, and offers greater long-term financial flexibility. ChatGPT estimated that owning the vehicle could cost nearly ₹50 lakh over a decade after accounting for fuel, insurance, servicing, depreciation and other running expenses. For a five-year ownership period, buying the car outright would result in a cost of around ₹28-31 lakh, while financing it would increase the figure to roughly ₹31-33 lakh due to interest payments. For a 10-year period, the total cost was estimated at approximately ₹42-46 lakh for a cash purchase and ₹45-49 lakh if financed, with depreciation accounting for the largest share of the expense.