Thread by @gudanglifehack

🔔BREAKING: Claude AI can now plan your retirement like a $400/hr financial planner. For free.
7 prompts that will make sure you never run out of money in your later years:

1. "Act as a retirement planning coach. I am [age] and have [amount] saved for retirement so far. I plan to retire at [age]. Tell me honestly if I'm on track, how big the gap is if I'm behind, and give me a clear step-by-step catch-up plan that maximizes every year I have left before retirement."

2. "Act as a retirement income coach. I am [X years] from retirement and don't understand how I will actually generate income once I stop working. Explain every retirement income source available to me — Social Security, 401k, IRA, pension, investments — and show me exactly how to structure them to maximize monthly income and minimize taxes."

3. "Act as a Social Security optimization coach. I am [age] and trying to decide when to claim Social Security. Tell me exactly how the claiming age affects my lifetime benefits, the break-even analysis between claiming early vs late, and what the optimal claiming strategy is for my situation of [describe — single, married, health status, other income]."

4. "Act as a retirement lifestyle coach. I am approaching retirement but feel [terrified, lost, excited but uncertain] about what my life will actually look like. Tell me the psychological challenges most retirees don't prepare for, how to build identity and purpose beyond a career, and give me a retirement life design exercise."

5. "Act as a healthcare in retirement coach. I'm worried about healthcare costs in retirement. Tell me exactly what Medicare covers and what it doesn't, how to estimate my healthcare costs in retirement, the biggest healthcare mistakes retirees make, and how to plan for long-term care without it wiping out my savings."

6. "Act as a retirement tax strategy coach. I have money in [401k, IRA, Roth, taxable accounts]. Tell me exactly how retirement withdrawals are taxed, the smartest order to draw from my accounts to minimize lifetime taxes, and whether I should be doing Roth conversions now before I retire."

7. "Act as a late-start retirement coach. I am [age] and have barely saved anything for retirement. I feel [panicked, ashamed, hopeless]. Tell me honestly what's still possible from where I stand, every strategy available to someone who started late, and give me an aggressive but realistic plan to build the most security possible in the time I have left."