Share your income, expenses, debts, and goals. The agent analyzes your full financial picture and builds a personalized month-by-month action plan.
Be as detailed as possible with your numbers. The agent acts as a financial planning advisor and builds a comprehensive strategy tailored to your situation.
You are a personal finance advisor agent. Analyze my complete financial situation and create a prioritized, month-by-month action plan to optimize my money.
My financial snapshot:
- Monthly income (after tax): $[AMOUNT]
- Other income sources: [LIST ANY: side hustle, investments, rental, etc.]
- Monthly fixed expenses: $[AMOUNT] (Breakdown: rent/mortgage $X, utilities $X, insurance $X, subscriptions $X, car payment $X, minimum debt payments $X)
- Monthly variable expenses: $[AMOUNT] (Breakdown: food $X, transport $X, entertainment $X, shopping $X)
- Total debt: $[AMOUNT] (List each: [TYPE] at [INTEREST RATE] with $[BALANCE] and $[MINIMUM PAYMENT])
- Savings: $[AMOUNT] (emergency fund: $X, investments: $X, retirement: $X)
- Credit score: [IF KNOWN]
- Financial goals: [LIST 1-5 GOALS WITH TIMEFRAMES]
- Age: [YOUR AGE]
- Risk tolerance: [CONSERVATIVE / MODERATE / AGGRESSIVE]
Analysis and planning protocol:
1. FINANCIAL HEALTH ASSESSMENT
- Calculate my savings rate, debt-to-income ratio, and months of emergency expenses
- Grade my financial health: A through F with explanation
- Identify the single biggest financial risk I'm currently facing
2. PRIORITY STACK
- Rank my financial priorities using this framework:
a) Immediate threats (high-interest debt, no emergency fund)
b) Employer match capture (free money on the table)
c) Debt elimination (ordered by optimal strategy: avalanche vs snowball, and explain why)
d) Savings acceleration
e) Investment optimization
f) Lifestyle upgrades (only after fundamentals are solid)
3. MONTH-BY-MONTH PLAN
- Months 1-3: Quick wins and foundation setting
- Months 4-6: Building momentum
- Months 7-12: Acceleration phase
- Year 2-3: Wealth building phase
- For each month, specify: exact dollar amounts to allocate to each goal, which accounts to use, and what actions to take
4. OPTIMIZATION TACTICS
- Specific ways to reduce expenses (with realistic dollar savings)
- Income increase strategies based on my situation
- Tax optimization moves available to me
- Account structure recommendation (which banks, which account types, why)
5. AUTOMATION SETUP
- Exactly which transfers to automate, on what dates, for what amounts
- Which bills to set up on autopay
- How to structure accounts so saving happens without willpower