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In today’s digital world, individuals face difficulty making important life decisions due to information overload, lack of structured thinking, and privacy concerns. This paper presents the Human-AI Life Decision Support System (HAIL-DSS), a privacy-first decision intelligence platform designed to assist users in making complex life decisions such as career, education, finance, and lifestyle planning. Unlike traditional decision support systems that rely heavily on data collection and machine learning models, the proposed system uses rule-based reasoning and weighted scoring techniques to generate decision recommendations. The system processes user data locally and provides explainable outputs including pros and cons, confidence scores, and ranking of options. The proposed system ensures data privacy, transparency, and personalized decision support. The results show that the system provides structured decision guidance while maintaining user data confidentiality.