A free guide by New Money School
AI Prompts
8 AI prompts that work like a free financial analyst. Save more, minimize debt, and build real wealth. Copy any prompt, drop in your numbers, and let AI build the plan with you.
Read This First
Think of these prompts as hiring a financial analyst, for free. Most people never make a real money plan because it feels overwhelming and expensive. It isn't anymore. Each prompt below turns your actual numbers into a clear, personal plan in minutes.
How to use them:
- Open Claude or ChatGPT.
- Copy any prompt below and swap the brackets for your real numbers.
- Answer its follow-up questions and let it build the plan with you.
One pro move
Don’t rush the brackets. The more honest and specific your numbers are, the better the plan. And always answer the follow-up questions it asks, that back-and-forth is where the real plan gets built. Treat it like a conversation with an analyst, not a vending machine.
A quick honest note: AI is brilliant at organizing your money and showing you the math, but it isn’t a licensed advisor. Use these to get clear and build a plan, then sanity-check anything big before you act on it.
Prompt 1See Where It All Goes
The Money Map
Find Your Real Savings Rate
Start here. Before you can grow money, you need to see exactly where it’s going. This one maps every dollar and hands you the single change that matters most.
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Here is my monthly income [INCOME] and everything I spend [LIST]. Map where every dollar goes, calculate my real savings rate, and redesign my monthly setup so I keep more without feeling deprived. End with the single change that moves the needle most.
The Leak Detector
Cut The Waste You Don’t Notice
The forgotten subscriptions and quiet leaks add up to thousands a year. This ranks every cut from painless to painful and shows the yearly dollars each one returns.
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Here is my monthly spending [BREAKDOWN]. Hunt down the waste, the forgotten subscriptions, and the quiet leaks. Show me how to cut at least 20 percent, ranked from painless to painful, and tell me how much each cut puts back in my pocket per year.
Prompts 3-4Clear Debt, Build A Cushion
The Debt Killer
Your Exact Debt-Free Date
Stop guessing which debt to pay first. This builds the fastest, cheapest payoff order, gives you a real debt-free date, and shows the interest you’ll save.
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I make [INCOME] a month and owe [DEBTS WITH INTEREST RATES]. Build the fastest, cheapest payoff plan, tell me which debt to attack first and why, give me my exact debt-free date, and show how much interest the plan saves me.
The Safety Net
Build An Emergency Fund
An emergency fund is what keeps one bad month from becoming new debt. This sizes yours, builds a month-by-month plan to fill it, and tells you where to park it.
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My monthly expenses are [EXPENSES] and my income is [INCOME]. Tell me exactly how big my emergency fund should be, build a month-by-month plan to fully fund it, and tell me where to keep it so it stays safe but still earns.
Prompts 5-6Make Money Grow On Autopilot
The Autopilot
Invest Without Willpower
The people who build wealth automate it. This designs a system that moves money into investments the day you get paid, so it happens whether you feel like it or not.
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My income is [INCOME] and I want to invest [AMOUNT] a month at a [LOW / MEDIUM / HIGH] risk level. Design a simple automatic system that moves money from my paycheck into investments the day I get paid, so building wealth happens without willpower.
The 5-Year Blueprint
Grow Your Net Worth
Zoom out. This builds a realistic five-year plan with yearly milestones, and it shows the assumptions behind every number so you can trust the math.
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My income is [INCOME], I can invest [MONTHLY] a month, and my net worth today is [NET WORTH]. Build a realistic 5-year plan to grow my net worth as much as possible, with yearly milestones and the assumptions behind every number.
Prompts 7-8Earn More, Reach Freedom
The Raise You Give Yourself
Add Income In 90 Days
You can only cut so much. This uses your real skills and free hours to find three realistic ways to make more, ranked by how fast you’ll see the first dollar.
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My income is [INCOME]. Based on my skills [SKILLS] and the [HOURS] a week I actually have free, give me 3 realistic ways to add income in the next 90 days, ranked by speed to first dollar, with the exact first step for each.
The Freedom Date
When You Can Stop Needing A Paycheck
This is the big one. It estimates the date you could stop needing a paycheck, then shows the three changes that pull that date forward the most, and by how long.
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My income is [INCOME], expenses [EXPENSES], and I invest [AMOUNT] a month. Estimate the date I could stop needing a paycheck, then show me the 3 changes that would pull that date the furthest forward, and by how long.
How to run the set
Do them in order over one weekend. Map your money, plug the leaks, kill the debt, build the cushion, automate the investing, then look up at the 5-year plan and your freedom date. By Sunday night you’ll have a real plan, not a vague hope.