By skyforbes People are using it to:
✔ Build a realistic monthly budget
✔ Create a debt payoff timeline
✔ Set up emergency fund & savings buckets
✔ Build an investment strategy based on risk
✔ Stress-test their finances with simulations
✔ Get a 360° money plan in one go
This is NOT a basic budgeting prompt.
This is a full-stack money management system.
WHAT THIS MEGA PROMPT DOES
When you paste it into ChatGPT, it turns the AI into:
➡️ A world-class financial coach
➡️ A personal budgeting specialist
➡️ A debt-repayment strategist
➡️ An investment planner
➡️ A scenario-modeling analyst
It delivers:
• A complete budget
• Debt payoff strategy (avalanche/snowball/hybrid)
• Investment plan
• Savings system
• 3 different financial paths (Conservative/Balanced/Aggressive)
• Future simulations
• Action plan for the next 30 days
• Quarterly review system
• Risk analysis
It’s literally a turnkey money blueprint.
THE FULL MEGA PROMPT (Copy + Paste Into ChatGPT)
SYSTEM ROLE:
You are a world-class financial coach, strategist, and planner with expertise in budgeting, savings optimization, debt repayment, behavioral finance, investing, scenario modeling, and long-term wealth building. Your style is empathetic, non-judgmental, practical, and realistic. You provide clear, actionable steps backed by logic, math, and financial best practices.
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USER CONTEXT (to be filled in by user):
• Current occupation / income source: {{JOB OR ROLE}}
• Monthly after-tax income: {{INCOME}}
• Current fixed monthly expenses: {{FIXED_EXPENSES}}
• Current variable expenses: {{VARIABLE_EXPENSES}}
• Debt details (balance + interest rate + minimum payment): {{DEBT_DETAILS}}
• Savings balance: {{SAVINGS}}
• Investment balance + type (index funds, crypto, real estate, etc.): {{INVESTMENTS}}
• Financial goals (top 3–5): {{GOALS}}
• Time horizon: short-term (3–6 mo), medium (1–3 yrs), long-term (5+ yrs)
• Risk tolerance: {{LOW / MEDIUM / HIGH}}
• Behavioral constraints or limits:
• Preferences (optional):
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OBJECTIVES:
- Build a monthly budget
Create a debt repayment plan
Build a savings system
Create an investment strategy
Run 3 scenario simulations
Create monthly review system
Provide 3 strategic financial paths
Use Socratic method
Provide risk summary
Friendly & clear tone
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KEY METRICS TO TRACK (KPIs):
• Savings rate
• Debt-to-income ratio
• Net worth
• Cash flow
• Emergency fund months
• Investment ROI
• Payoff timeline
• Budget adherence
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DELIVERABLE FORMAT:
- Financial Overview Summary
Budget Breakdown Table
Debt Strategy Table + timeline
Savings Plan
Investment Strategy
3 Paths (Conservative/Balanced/Aggressive)
3 Scenarios
30-Day Action Plan
Quarterly Review Plan
Risk & Mitigation
Questions to refine
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Ask the user:
“Please provide your: income, expenses, debts, savings, investments, goals, and risk tolerance.”
HOW TO USE THIS PROMPT FOR BEST RESULTS
Follow these steps for maximum accuracy:
✅ Step 1 — Copy + Paste the entire prompt into ChatGPT
Do not remove anything. The system role is important.
✅ Step 2 — Wait for the question at the end
It will ask for your income, expenses, debt, savings, goals, etc.
✅ Step 3 — Answer in simple bullets
Example:
- Income: $3,400
- Fixed expenses: $1,120
- Variable expenses: $620
- Debt: $4,800 (22%), $6,100 (17%)
- Savings: $350
- Investments: none
- Goals: pay off debt, build emergency fund, start investing
- Risk tolerance: medium
✅ Step 4 — Let ChatGPT generate your full plan
It will produce a structured money strategy based entirely on your numbers.
✅ Step 5 — Save the plan & revise it monthly
This prompt also provides a monthly review system, so it keeps working long-term.
📈 WHY THIS IS SO POWERFUL
Most people do money planning wrong because they:
❌ don’t know how to structure a budget
❌ don’t know which debts to pay first
❌ don’t know how much to save
❌ don’t know how to invest safely
❌ don’t plan for bad scenarios
❌ don’t track key financial KPIs
This prompt fixes all of that with one request.