How to Use AI Advisor to … Understand Your Debt & Liabilities
Tackling debt is one of the key steps on any wealth-building journey — and to do that, you need to know where you stand and what your options are.
But if you’re not sure where to start, you’re not alone. Understanding debts and liabilities is one of Origin users’ most frequent topics of conversation with AI Advisor, which is the ideal assistant in this process. By analyzing your total financial picture, it gives you clarity on where you stand and what’s best for you to do next.
To show you what this looks like, here are two examples of questions you can ask AI Advisor to help you manage your debt and liabilities.
Confirm your financial picture by asking, “What’s my total debt?”
Your total debt is $126,282, consisting of:
- Student loans: $121,262 (96% of total debt)
- Credit cards: $5,020 (4% of total debt)
Student loans dominate your debt picture at over $121K across multiple accounts. The credit card balance of $5,020 appears to be current monthly spending rather than revolving debt, assuming you typically pay it off in full.
TLDR: With this complete picture, you can prioritize which debts to tackle first based on interest rates and balances, rather than just chipping away randomly.
Target increasing your net worth by asking, “Should I pay off my debt or invest?”
There’s a clear answer: pay off your debt now. You'll be $34,720 richer in 10 years by paying off debt instead of investing. Here’s how it breaks down:
Paying off debt now:
- Eliminates all $126,282 in debt today
- Still leaves $164,903 to invest
- Saves $45,197 in interest over 10 years
- Frees up $1,637/month to invest going forward
- Total wealth in 10 years: $618,170
Keeping debt and investing:
- Invest all $291,185 (that is, your total cash minus your emergency fund goal)
- Grows to $628,647
- But you pay $45,197 in interest
- Net wealth in 10 years: $583,450
Your debt costs 7.1% on average—higher than typical after-tax investment returns. The credit card debt at 22% is especially expensive. Paying debt gives you a guaranteed "return" equal to the interest rate avoided, while investments carry market risk.
After eliminating debt, you'll still have $164,903 in reserves and can redirect that $1,637 monthly payment into investments with no interest working against you.
TLDR: This removes the guesswork from one of the biggest financial decisions you'll make, showing you the actual dollar difference between strategies based on your specific situation.
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Want to get your own personalized answers from AI Advisor? Get started today.
Answers to your questions
Yes. Origin offers partner access so you can manage your finances together at no additional cost. You’ll be able to filter transactions by member—making it easy to see which spending is yours and which belongs to your partner.
Yes. You can edit existing transactions and add new ones directly in Origin, so your records stay accurate and personalized.
Origin connects securely through trusted partners including Plaid, MX, and Mastercard.
Yes. Origin supports CSV uploads. You can upload a .csv file of your transactions, and we’ll import them into your account.
Yes. Your data is protected with bank-level security and advanced encryption. When you connect accounts through Origin, your login credentials are never shared with us. Instead, our partners generate secure tokens that let Origin access only the data you authorize—keeping your personal information private while enabling personalized insights.
Yes. You have full control to organize your spending in Origin. Transactions are automatically categorized by Origin, but you can always edit categories, add your own tags, and filter transactions however you like—so your spending reflects the way you actually manage money.
