The Globe and Mail reports in its Tuesday, June 24, edition that the least helpful responses to personal finance questions are "it depends" and "ask your adviser." The Globe's Rob Carrick writes that Microsoft-backed Open AI's ChatGPT excels by providing clear recommendations. For example, when asked how Gen Z and millennials should save for a home within five years, it correctly advised against stock market exposure. Specifically, it concluded that: A growth ETF is "too risky"; A balanced ETF is "still risky"; A conservative ETF is "possibly acceptable, but not ideal." Ultimately, it recommended using a first home savings account for its liquidity and predictability, despite lower returns. For baby boomers considering when to start Canada Pension Plan benefits, the consensus is to delay until 70 for those in good health and financially stable. However, few actually wait that long. Starting CPP at 60 offers 64 per cent of the standard benefit, while delaying to 70 provides 142 per cent. Final recommendation, "Consider starting CPP at 70." Some tips for your own queries: Be hyperspecific about your personal situation and be ready to rephrase or reframe your question to sharpen flabby answers.