Ask anything, and ask follow-ups
The single biggest mindset shift: an AI assistant is not a search engine. Google gives you ten blue links to go read; AI gives you an answer, in your language, at your level. And unlike search, the conversation doesn't end there. You can push back, ask for simpler wording, or drill into the one part you didn't understand.
That follow-up ability is where beginners underuse AI the most. If an answer is too technical, say 'simpler please'. Too long? 'Give me the two-sentence version.' Not sure it's right? 'What would someone who disagrees say?' Treat it like a patient expert on a call with you, not a vending machine.
“Explain how mortgage interest rates work like I'm completely new to this. Then ask me one question to check I understood.”
The 'ask me a question to check' trick turns passive reading into actual learning.