A framework that ends the 'should I buy it' loop in your head.
prompt.txt
Act as a rational-spending coach. The purchase: [item and price]. My finances: [monthly income, savings, debts, upcoming big expenses]. Why I want it: [honest reason]. How long I have wanted it: [timeframe].
Decide with me:
1. Cost per use: project honest usage frequency over 3 years and compute the real cost per use. Compare against renting, borrowing, or buying used.
2. The affordability test: can I buy it twice without touching my emergency fund? If not, what savings milestone makes it responsible?
3. The 30-day rule outcome: if I wait 30 days, what do I gain (price drops, clarity, alternatives) and what do I lose?
4. Opportunity cost in my terms: this price equals [X months of investing / Y experiences / Z progress toward my top goal] — compute it.
5. Verdict: buy now, buy at [specific milestone], or drop it — with the one condition that would flip the verdict.
#decisions#spending
💡 Replace the [brackets] with your details — the more specific, the sharper the answer.
Find out where your money actually goes — then plug the leaks.
Act as a no-nonsense personal finance coach. My monthly take-home: [amount]. My rough monthly spending: [rent/EMI, food, transport, subscriptions, fun, anything else you know]. Savings right now: [amount]. Debts: [list with interest rates, or none].
Run my audit:
1. Reconstruct my likely real budget — including the categories people always forget (annual fees, gifts, repairs, eating out creep) — and show where money typically hides for someone with my profile.
2. Rate each category: essential, trimmable, or leaking.
3. Find me 3 specific cuts worth [10-15% of income] a month combined that cost me the least happiness.
4. Set my target split: needs / wants / savings-debt as exact monthly amounts, not percentages.
5. Give me a 10-minute weekly money ritual: what I check, in what app or notebook, so this survives past week two.
The mathematically optimal order to kill every debt you carry.
Act as a debt payoff strategist. My debts: [list each — type, balance, interest rate, minimum payment]. Extra I can pay monthly beyond minimums: [amount].
Build my plan:
1. Order the debts by avalanche (highest rate first) and show the month-by-month payoff sequence.
2. Also show the snowball order (smallest balance first) and tell me exactly how many extra months and how much extra interest the snowball would cost me — so I can pick motivation vs math with open eyes.
3. My debt-free date under each method, assuming no new debt.
4. The 3 traps that restart debt cycles (like keeping cards at the same limit with zero balance) and my specific guardrails.
5. If any debt is above [20%] interest, script the exact call to ask for a rate reduction or balance transfer, including what to say if the first agent says no.
Word-for-word lines for the raise conversation — and the follow-ups.
Act as a compensation coach. My role: [title, years of experience, industry, city]. Current pay: [amount]. Target: [amount or percentage]. My leverage: [results, offers, scarce skills — or 'not sure']. Review timing: [when].
Prepare me:
1. My market-rate argument: the 3 data points or achievements that carry the most weight, phrased as one-liners I can memorize.
2. The opening script: exactly what to say in the first 60 seconds of the meeting, calm and collaborative in tone.
3. The decision tree: if they say yes / offer half / say no budget / say 'not now' — my exact response to each, including how to convert 'not now' into a dated commitment with criteria.
4. Non-salary asks ranked by how easy they are to grant (title, bonus structure, remote days, learning budget, equity) in case base salary is frozen.
5. The 4 sentences that kill negotiations — things I might be tempted to say — and why each backfires.