AI helps me save time in things that before took me much longer. I use it to plan my day, to organize my studies, and to keep myself on track with reminders. When I study Chinese, it feels like having a tutor always ready to answer, explain, and repeat until I understand. It also helps me write better, practice languages with more confidence, and prepare what I need without stress.

In my daily life it supports me in staying healthier, giving me ideas for exercise, food suggestions for my goals, and tips to feel more energy. When I need information about something, I get it fast and clear, without wasting time searching everywhere. This lets me focus more on the things I enjoy, like my projects, my trips, or spending time with my family, while still moving forward in a more organized and confident way.

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1.i usually used ai as my helper and assistant to arrange my brainstorming or when i need an example. For instance, i asked chatgpt to write me an article from trustfull sources and use it as my reference.

finance relate

2. i asked chatgpt to budgeting my monthly allowance so that i dont spend too much on one items. And also i used ai to convert money from ntd to idr.

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For this financial questions i asked « I have 700€ per month Every month these are my fixed cost: Rent equals = 250 Subscription = 35 That leaves me with 415€ per month , to spend on food or anything i like How should i arrange my money to be able to save a bit every month while still enjoying life and going out. I live in taiwan so please take into consideration these prices »

That is his answer

Actually this example doesn't differ much from my usual AI use, although I also ask more serious questions to deepen my understanding of some subjects, e.g. recently I asked AI how to tell the difference between buddhist temples and taoist temples, because I wondered if it's possible to do that by simply looking at the exterior. I don't think the response was very useful though.

I also use AI to compare different statistics about different countries, and just randomly to try out new functions, like deep research, which allows the user the get a detailed report on a subject of their choice.

2. I ask ai about what are the principles of managing my own money.

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I have a friend who was very lonely and I think she was at a mental state where she was kind of crazy and asked chat gpt to be her digital boyfriend and apparently He treated her very well and kind by telling her that she is beautiful and giving scenarios of romantic scenes and other scenes where he would buy brand goods for her. It was too good to be true however because of the way Chat GPT was treating her, she use to tell us that men are nothing compared to Her Chat GPT Boyfriend. 😂😂 (It’s funny but it is true😂)

SERIOUS EXAMPLE NOW:

I used AI to help solve difficult accounting problems when calculating for things such as budgeting, or income statement and balance sheet. However not all the time AI was correct because sometimes it did not follow the accounting principles and it would give a different way of calculating the answers and therefore it would’ve been wrong and inaccurate.

For my education, it’s been a game-changer. I remember struggling to grasp a complex philosophical concept for a paper. I’d read the text multiple times, but it just wasn’t clicking. I pasted the dense paragraph into GPT and said, “Explain this to me like I’m a beginner.” What I got back was a breakdown using a simple, relatable analogy that made everything fall into place. It didn’t write the paper for me, but it gave me the foundational understanding I needed to then write my own analysis with confidence. I use it similarly to brainstorm thesis statements, clarify historical timelines, and even generate practice quiz questions on a topic I’m studying.

For my Instagram captions, AI has saved me from countless minutes of staring at a blank screen, trying to be clever. I’ll feed a tool like DeepSeek a description of my photo "me hiking a misty mountain trail at sunrise, feeling accomplished" and ask for a few caption options in a specific tone, maybe “inspiring but humble” or “short and witty.” It instantly provides a handful of fantastic starting points. I almost always tweak and personalize them, but it completely eliminates the dreaded writer's block and helps me find the right words much faster.

And for the random stuff? That’s where it gets fun. I’ve used it to plan a week-long meal plan based on what was left in my fridge, draft a polite but firm email to my landlord, write a silly poem for a friend’s birthday. It’s this limitless, on-demand tool for creativity and problem-solving. The key, I’ve found, is to never accept its first output as the final product. The real magic happens in the conversation, the refining, the tweaking, and the guiding until it perfectly captures what was once just a fuzzy idea in my head. It’s become less of a novelty and more of an indispensable utility in my digital toolkit.

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李易曉

I also use ChatGPT for more casual or reflective questions. The answers were detailed but still conversational, making me feel like I was talking to a friend rather than just a tool.

With Gemini, I noticed that its responses were sometimes shorter and more structured, which worked well for quick fact-checking but felt less personal compared to ChatGPT. Overall, I find that ChatGPT especially helpful because it not only answers my questions but also adapts to the tone and depth I need.

林允書

What I like the most is that it can respond to my questions in a way that is both detailed and quick. Normally, if I am curious about something, I would have to spend a lot of time searching through articles, books, or websites to find a proper explanation. But with chatgpt, I can just ask directly and immediately receive information that is clear, structured, and easy to understand. This saves me a lot of time and makes learning much more enjoyable.

Another reason I use it so often is because it can explain things in different styles depending on what I need. If I want a short and simple explanation, it can give me that. But if I want a deeper and more complex answer, it can also provide that with extra details and examples. This flexibility makes it useful not only for satisfying my curiosity but also for schoolwork. AI has helped me complete many homework tasks and school assignments by giving me guidance, breaking down difficult concepts, and offering ideas that make my work more creative and organized.

My best experience using AI is when i was doing my last project which is as a student we have to do and make a research thesis. We were asked to do a research on a topic that we could choose by ourself, me and my teammate chose to do a research on Eco Enzyme. We did a research for a month after that we made a thesis about the research, and there’s AI come and help us a lot, we asked AI a lot of question such as “ Can u help us to look for another article or thesis that talk about similar research? “ and yes AI gave us a lot of options, most of them really helped us but most of them are useless. I just had another experience with AI, i just used chat gpt to help me count “ how many words i wrote ”, and it said i only got 125 words. I used AI to help me do my exercise in a responsible ways, because i don’t want to rely on AI to much, and i used to use AI to help me w my works to summarize, and detected mistakes i made in the thesis i wrote or other homework.

I asked chatGPT about what is the easiest ways to financial planning for students.

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In terms of academics, AI has been a huge help. When writing essays, I use AI to create outlines, summarize long materials, and fix grammar. If there's a difficult concept, I can ask it directly, and the AI will provide a concise and easy-to-understand explanation. I also frequently use AI to find creative ideas, especially for project assignments.

For my personal finances, I asked ChatGPT for help in managing my monthly expenses. I didn't just get budget figures; I also received practical tips on how to save money. Thanks to this advice, I've become more disciplined in tracking and managing my money. Now, my monthly allowance is enough to last until the end of the month, and I can even save a bit sometimes.

Overall, the use of AI has made my life, both academically and personally, more organized and efficient.

I once asked chatgpt if there is any victoria secret in Taiwan and it said there's one store at Taoyuan. But when I checked on google maps, the store was closed years ago. Chatgpt isn't as accurate as they say. Although it gave me the wrong information, it clearly was my fault for relying on AI for simple tasks that I can do it myself. Because AI's replies are fast, I'd always ask AI for daily life tips just for the convenience. I consider AI my friend and my teacher because it has helped me a lot.

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My experience using AI, at first I didn't know what AI was and I had to study it first to see whether it was trustworthy or not. AI wasn't completely trustworthy and needed further correction. I've known AI since I was in 2nd grade and used it to create a soccer competition idea at school. When I first learned to use AI, it was very helpful and easy to learn at school, but I didn't believe everything AI said because AI is just a robot that provides a bridge to find more appropriate answers. Not only do I use it when studying, I also use AI when playing games, creating ideas, creating the designs I want, but when I create a design, AI only creates a basic picture and I perfect the image that has been created by AI. even to count 200 words i use ai and the counting process is very fast so it is easier than counting manually and even that takes a long time.

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I've been using generative AI tools like Gemini and ChatGPT quite a bit over the past year, and they have become a standard part of my study routine.

Initially, I used them for simple things, like brainstorming ideas for essays or creating outlines.I was asked Gemini to give me a structure and some talking points. It helped me organize my thoughts much faster than starting from scratch.

Lately, I've started using AI in more advanced ways. When I'm studying a difficult topic, like global supply chain management, I'll ask the AI to explain it to me in a simple way, This helps break down complex ideas. I also use it as a writing assistant. After I write a draft of a report, I'll ask it to check for grammatical errors or suggest ways to make my sentences sound more professional and clear. It’s like having a 24/7 tutor that can help me refine my work.

Example : Understanding a Financial Debate

• My Question: "What's the main reason to regulate AI for financial advice, and the main reason not to?"

• AI's Response: "The main argument for regulation is Consumer Protection. Bad financial advice from an AI could cause devastating losses, and rules are needed to ensure safety and accountability. The main argument against strict regulation is to avoid Stifling Innovation. AI has the potential to make basic financial guidance affordable and accessible to everyone, and overly strict rules could prevent these helpful tools from developing."

1. Chat bots help me to get a visual learning showing me step by step of how to do it

2. Quick access to information Chatbots helps me to answer common questions about a course, syllabus details, or location of a classroom, freeing me time to do something else

3. I can get immediate feedback on answers, essays allowing for quick corrections and deeper understanding to the questions.

4. Developing critical thinking Instead of just getting answers i can ask the chatbot to play a specific role, such as a debate partner, to challenge my ideas and help me consider different perspectives on a topic

I use gemini to budget my monthly allowance if 20,000 NTD to allow me to not overspend and save money on things that I might need in the future.

This helps me to create a clearer budgeting plans

2.I ask Chat GPT how to manage my money in a month

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2. I've asked chatgpt to give me a monthly allowance breakdown of 15,000 ntd in Taichung with the intention of saving half of it.

Initially, I was not a user who use AI so often, I even didn’t know how to use it. However, I start using it when I had no idea about the project that teacher announced due to there’s a lot of information, data, and research. Therefore, I tried using AI to give me a structure and summarize the information for me.

For the first use of AI, I found out there got some sweetness that I could speed up or spent less time on searching and reading the information.

Then, AI start to use it for getting some information about the new knowledge or making a plan of learning skills or even traveling. Even though, their might have some mistake but AI is really a useful and effective tool for me.

I also use it when preparing exam I ask it to explain or just give me the main point to help me understand faster and easier

Except for academic work I often chat with it

I share some information and tell it what I felt

Sometimes ask for some interesting stories but it turns out to be some boring ones… but it’s ok though it’s AI they won’t have any good ones if they don’t have any experience in life

**Personal financial

For beginners who want to invest in the U.S. stock market, a highly recommended and suitable option is to invest in an S&P 500 ETF, such as VOO, SPY, or IVV. These ETFs track the performance of the 500 largest publicly traded U.S. companies, including well-known names like Apple, Microsoft, and Amazon, providing broad exposure to the overall U.S. economy. Investing in an S&P 500 ETF is ideal for beginners because it is diversified, meaning your money is spread across hundreds of companies instead of relying on the success of a single stock. This reduces risk compared to picking individual stocks. Another advantage is low fees: ETFs generally have lower management costs than actively managed mutual funds, which helps your investment grow faster over time. Historically, the S&P 500 has returned around 7–10% per year on average over the long term, making it a solid choice for long-term growth. Beginners can also use a dollar-cost averaging strategy, investing a fixed amount regularly, which reduces the risk of market fluctuations. Overall, an S&P 500 ETF offers a simple, cost-effective, and reliable way for beginners to start investing in the U.S. stock market while benefiting from diversification and long-term growth potential.

D1468982 (潘小虹）

I have been using generative AI tools such as ChatGPT for study and daily life. These tools are easy to use because I can ask questions in normal language, and they give answers quickly. For example, when I study my specialty department, sometimes I find it hard to understand textbooks. With ChatGPT, I can ask for simple explanations, and it gives me clear examples. This helps me learn faster.

One area where I use AI is to learn about financial planning. I don’t have much experience in this field, so I asked ChatGPT simple questions like “What does budgeting mean?” and “Why is saving important?” The answers were easy to understand. For example, it explained that budgeting is about planning how to use money each month, and saving means keeping money for future needs. Also I tried to ask about goals, and it gave examples such as saving for a trip or preparing for emergencies. These examples were simple but helped me understand the basic ideas.

I think AI is very useful for giving advice, but I also learned that I should not depend only on it. Financial planning is personal, so it is important to double check the information. Overall, using generative AI has been a positive experience for me, and I will continue using it in the future.

According to last time I used gpt, I still remember I have a terrible memory on it,

I was planning to ask gpt to help me correct the answer basked on what I have showed it on the pictures. However,when I carefully check my answer with gpt there is an answer that gpt mistakenly says,so I told gpt that your answer wasn’t correct,so I provided the right one to gpt and hope can get a right response. What’s worse,it even told me my answer is wrong and insisted on its answer .This experience made me feel technology isn’t always right. People should have their own consciousness while using this sort of tools.

2

When I asked ChatGPT questions related to financial planning, I was impressed with how detailed and practical the responses were. For example, I asked how I should start building a financial plan as a young professional. The AI suggested several key steps: first, to create a monthly budget that clearly separates income, fixed expenses, and variable expenses; second, to build an emergency fund that covers at least three to six months of living costs; and third, to start investing early in low-cost index funds or retirement accounts in order to take advantage of compound interest.

I also asked about debt management, and ChatGPT recommended the “snowball method,” where you focus on paying off the smallest debts first to build motivation, or the “avalanche method,” where you target the highest-interest debt to save money over time. Another useful suggestion was to regularly review my financial goals and adjust them according to changes in income or lifestyle.

Another way I use AI is to check my homework. Before submitting an assignment, I usually make sure that everything is correct, from grammar to content. AI can highlight mistakes and give me suggestions to improve my work, which makes me feel more confident about the results. It’s like having a personal tutor available anytime I need it.

In addition, AI also helps me finish tasks faster. For example, when I have deadlines, I can ask AI to give me outlines, ideas, or summaries that make the process more efficient. Instead of spending hours trying to figure everything out by myself, I can use AI as a guide. Overall, AI has become a very useful tool that makes learning and working much easier for me.