I Asked ChatGPT How To Build a New-Year Wardrobe on $100 – Here’s What It Said

Shanghai,China-May 19th 2023: close up ChatGPT official app icon on screen.
Robert Way / Getty Images

Commitment to Our Readers

GOBankingRates' editorial team is committed to bringing you unbiased reviews and information. We use data-driven methodologies to evaluate financial products and services - our reviews and ratings are not influenced by advertisers. You can read more about our editorial guidelines and our products and services review methodology.

20 Years
Helping You Live Richer

Reviewed
by Experts

Trusted by
Millions of Readers

Like many people, I’m no stranger to the slogan, “New Year, New You.” While I know myself well enough to know there’s no way I’m giving up caffeine or committing to a 6 a.m. workout every day (this night owl hits the gym after dark), there are a few things I’d like to change about myself — most notably my wardrobe and how much I spend on it.

As a plus-sized gal with a condition called lipedema, finding cute and comfortable clothes that don’t break my budget hasn’t always been easy. And while I’m fortunate to work from home, I still want outfits that make me feel my best. So I turned to my old pal ChatGPT to ask for insights into what a New Year wardrobe could look like on a $100 budget.

In theory, anyone could replicate what I did: Give ChatGPT information about their size, health considerations (like lipedema), style preferences and price range to get budget-conscious wardrobe ideas tailored to their needs.

Find Out: How You Could Pocket an Extra $2K* This Holiday Season — Just for Signing Up for This All-in-One Finance App

A Brief Overview

ChatGPT immediately shared its understanding of what I’d need in my clothes, stating that because I have lipedema, I’d benefit from “soft fabrics, stretchy waistbands, roomy fits and clothes that don’t dig into sensitive areas.” That is all true, and I appreciated that ChatGPT demonstrated a basic, accurate understanding of the condition.

Top Offers for {{current_month-name}} {{current_year}}

The AI told me that it would focus on cozy, plus-sized pieces that would lend themselves to being dressed up. As I scanned the mini-wardrobe with mix-and-match options, I noticed a number of pieces from Walmart and Old Navy — two outlets widely accessible retailers known for affordability and inclusive sizing.

Though I’m no stranger to shopping at outlets that cater to plus-size consumers, I was definitely happy to see options at stores that are easy to find and celebrated for their lower prices.

Core Pieces for Comfort and Style for Around $100

I was impressed with some of the foundation pieces that ChatGPT suggested to me, as well as its rationale for each item — which I have included verbatim below. Though I appreciated the AI including links to each option, I do wish it had presented the price right away so I didn’t have to go digging online.

Advice on Styling This Wardrobe

After listing a few smart options for me, ChatGPT became my personal stylist, offering guidance on how to maximize both comfort and versatility.

  • Casual/comfort-first days: “Leggings and T-shirt or waffle pants and a cozy top — perfect for lounging, errands or home days,” the AI said.
  • Everyday going-out or casual dinners: ChatGPT advised me to “Pair wide-leg jeans or leggings with a nice top or one of the dresses for a relaxed but put-together look.”
  • Slightly dressier occasions (e.g., New Year’s dinner, holiday gathering): ChatGPT advised me to go for midi dresses or fit-and-flare dresses when I needed “a feminine vibe without being too tight or body-clinging — helpful if you want comfort and style.”
  • Layering and flexibility: Understanding that I might want to stay warm by layering items, ChatGPT shared that soft tops, leggings and pants are easier to layer. To accessorize a dress and add more polish, I could also add a cardigan or loose jacket.

Top Offers for {{current_month-name}} {{current_year}}

A Final Look

Given that I’m not in a target demographic for many retailers, shopping for clothes can feel stressful — especially when I’m trying to stay on budget. Fortunately, plugging a simple request into ChatGPT helped me find some practical ideas for base pieces and gave me ideas to layer and maximize them — all without overspending.

Need a little extra holiday magic in your budget? MoneyLion, a sister company of GOBankingRates, is giving away $2,000 a day through Jan. 24, 2026. Sign up here and see if this festive windfall lands under your tree.

Editor’s Note: Prices and availability accurate as of Dec. 21, 2025 and subject to change.

BEFORE YOU GO

See Today's Best
Banking Offers

Looks like you're using an adblocker

Please disable your adblocker to enjoy the optimal web experience and access the quality content you appreciate from GOBankingRates.

  • AdBlock / uBlock / Brave
    1. Click the ad blocker extension icon to the right of the address bar
    2. Disable on this site
    3. Refresh the page
  • Firefox / Edge / DuckDuckGo
    1. Click on the icon to the left of the address bar
    2. Disable Tracking Protection
    3. Refresh the page
  • Ghostery
    1. Click the blue ghost icon to the right of the address bar
    2. Disable Ad-Blocking, Anti-Tracking, and Never-Consent
    3. Refresh the page