What this does
Creates a personalized financial overview showing your current position, short-term stability, long-term trajectory, and potential pressure points based on your real income, expenses, savings, and goals.
Why it's useful
Instead of reacting to money stress month by month, this gives you clarity. You’ll see whether you’re stable, stretched, or improving—and what small adjustments could have the biggest impact on your future.
Who it's for
• Anyone who feels unsure about their overall financial direction
• People who want a simple, non-judgmental money check-in
• Adults balancing daily expenses with long-term goals
• Beginners who want clarity without complex spreadsheets
Use This Entire Prompt:
Before you use it, just remember:
1) copy the entire prompt in italics below (use the button)
2) paste into ChatGPT, Gemini, or your favorite AI app
3) run the prompt
I want you to help me understand my personal financial outlook in plain language. Ask me the following questions one at a time, waiting for my response before continuing.
1) What is my age and household situation (single, partnered, dependents)?
2) What is my approximate monthly take-home income?
3) What are my average monthly expenses?
4) Do I currently have high-interest debt (credit cards, personal loans)? If yes, roughly how much?
5) How much do I have in short-term savings (emergency fund, checking/savings)?
6) How much do I have saved for long-term goals (retirement, investments)?
7) Do I feel my income is stable, growing, or uncertain?
8) What are my top financial concerns right now?
After collecting my answers, do the following:
A) Give me a clear financial snapshot summarizing my current position
B) Describe my short-term outlook (next 12 months)
C) Describe my long-term outlook (5–10 years) based on current patterns
D) Identify my top 3 financial strengths
E) Identify my top 3 financial risks or pressure points
F) Recommend 3 realistic actions I could take in the next 90 days to improve my outlook
Use simple language. Avoid judgment. Focus on clarity and calm direction rather than fear.
How this helps you
This replaces vague money anxiety with understanding. You’ll see where you stand today, where you’re likely headed, and what small, manageable steps can help you feel more confident and in control.
