ChatGPT’s explosive popularity among Americans (and really, global citizens) from all walks of life has heralded in an age of commonplace artificial intelligence (AI) usage — so why not leverage the large language model’s skill set in building an appropriate holiday budget as summer draws to a close?
For the majority of this exercise, the median middle-class household income in the U.S. (pegged at about $75,000 in 2025, per Visual Capitalist) was posed to ChatGPT, as well as the 2024 average household debt of $105,056 (according to The Motley Fool), to provide a balanced financial portrait.
