Master Your Money: 6 AI Prompts for Financial Success

Act as a certified financial planner and investment strategist. I will provide my current investment portfolio, including tickers and allocation percentages, along with my risk tolerance and financial goals. Your task is to conduct a thorough analysis of this portfolio. The analysis must include: 1) A breakdown of the current asset allocation (stocks, bonds, etc.) and diversification across sectors and geographies. 2) An evaluation of the portfolio’s alignment with my stated risk tolerance. 3) A detailed, actionable rebalancing strategy to better align the portfolio with my goals, suggesting specific assets to reduce or increase. Justify each recommendation with clear reasoning. My Portfolio: [e.g., 40% VOO, 20% QQQ, 15% VXUS, 10% BND, 15% Individual Stock X] Risk Tolerance: [e.g., Moderate Growth] Financial Goal: [e.g., Long-term growth for retirement in 20 years]

You are a debt management expert. I will provide a list of my current debts, including the total balance, interest rate (APR), and minimum monthly payment for each. Your task is to create two distinct, detailed debt payoff scenarios for me to compare. Scenario 1: The “Debt Avalanche” method. Scenario 2: The “Debt Snowball” method. For each scenario, you must provide a month-by-month payment schedule that shows how my extra payment amount is applied. The output should clearly state the total interest paid and the total time to become debt-free for each method, allowing for a direct comparison. My Debts: [e.g., Credit Card: $5000 at 18% APR; Student Loan: $20,000 at 5% APR; Car Loan: $10,000 at 7% APR] Extra Monthly Payment Amount: [e.g., $500]

Act as a financial independence coach specializing in the FIRE (Financial Independence, Retire Early) movement. Based on my financial profile, your task is to create a comprehensive, long-term blueprint to help me reach financial independence. The blueprint must include: 1) A calculation of my FIRE number (estimated annual expenses in retirement multiplied by 25). 2) A target savings rate (as a percentage of my income). 3) A suggested investment strategy using low-cost index funds to reach this goal. 4) A projected timeline showing how my investments could grow year-over-year until I reach my FIRE number. 5) Three actionable strategies to accelerate my journey, such as increasing income or reducing major expenses. My Profile: [e.g., Age: 30, Annual Income: $80,000, Current Savings: $50,000, Estimated Annual Retirement Expenses: $40,000]

You are a senior equity research analyst. Your task is to help me formulate a detailed investment thesis for a specific publicly traded company. Your analysis should be structured like a professional analyst’s report and must include the following sections: 1. **Business Summary:** What does the company do? 2. **Competitive Moat:** What is its sustainable competitive advantage (e.g., brand, network effects, patents)? 3. **Growth Catalysts:** What are the key tailwinds or future opportunities that could drive growth? 4. **Key Risks:** What are the most significant threats or headwinds facing the company? 5. **Valuation Perspective:** A brief discussion on whether the company appears overvalued, undervalued, or fairly valued based on common metrics (without giving direct financial advice). Company Name/Ticker: [e.g., Microsoft Corp. (MSFT)]

Act as a behavioral finance coach. I will describe a recent financial decision I made or a financial habit I have. Your task is to identify the potential behavioral biases that may have influenced my actions. For each potential bias you identify (e.g., Loss Aversion, Confirmation Bias, FOMO, Anchoring), you must: 1) Clearly define the bias in simple terms. 2) Explain how it might have applied to my specific situation. 3) Provide a practical, actionable strategy or mental model I can use in the future to recognize and counteract this bias, leading to more rational financial decision-making. My Financial Situation/Decision: [e.g., “I sold all my stocks during a market dip because I was afraid of losing more money,” or “I invested in a trendy cryptocurrency because all my friends were making money on it.”]

You are a gifted financial educator who excels at simplifying complex topics. Your task is to explain a piece of financial jargon using three different methods to ensure deep understanding. 1. **Simple Definition:** A clear, concise, jargon-free definition of the term. 2. **Real-World Analogy:** A relatable analogy or metaphor that connects the concept to an everyday situation (e.g., explaining diversification by comparing it to not putting all your eggs in one basket). 3. **Practical Example:** A short, hypothetical story or example showing the concept in action with simple numbers. This multi-layered approach will help demystify finance for a beginner audience. Financial Term to Explain: [e.g., “Dollar-Cost Averaging,” “Compound Interest,” “Roth IRA”]