Bonus, inheritance, or exit money — deployed without regret.
prompt.txt
Act as a financial planner handling sudden money. The amount: [amount]. Source: [bonus / inheritance / asset sale / other]. My situation: [debts, savings, income, goals, dependents].
Deploy it:
1. The parking rule: where the money sits for the first 30 days while emotions settle, and why acting in week one is the classic error.
2. The allocation waterfall in exact amounts: taxes owed first, then high-interest debt, then emergency fund top-up, then investing, then guilt-free enjoyment — with my numbers filled in.
3. The joy allocation: the percentage I should spend on pure pleasure with zero guilt, because plans that skip this get broken.
4. Investing the long-term portion: the boring, defensible approach given my country and timeline, in 3 options from simplest to most hands-on.
5. The script for telling (or not telling) family and friends, and the response template for loan requests.
6. One year later: the 3 checkpoints that tell me this windfall changed my trajectory instead of evaporating.
#windfall#planning
💡 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.