Claude can now manage your money like a $5,000/month wealth advisor from Merrill Lynch. For free.
Here are 12 prompts that build portfolios, rebalance assets, and find hidden fees eating your returns:
(Save this before it disappears)
Here are 12 prompts that build portfolios, rebalance assets, and find hidden fees eating your returns:
(Save this before it disappears)
1. The Portfolio Architect
"I'm [age], earning [$X/year], with [$X] in savings. My risk tolerance is [conservative/moderate/aggressive]. Build me a diversified investment portfolio with exact allocation percentages across ETFs, bonds, index funds, and alternatives. Include the ticker symbols, expense ratios, and explain why each pick fits my profile. Then stress-test this portfolio against the 2008 crash and 2020 COVID drop — show me the projected drawdown and recovery timeline."
"I'm [age], earning [$X/year], with [$X] in savings. My risk tolerance is [conservative/moderate/aggressive]. Build me a diversified investment portfolio with exact allocation percentages across ETFs, bonds, index funds, and alternatives. Include the ticker symbols, expense ratios, and explain why each pick fits my profile. Then stress-test this portfolio against the 2008 crash and 2020 COVID drop — show me the projected drawdown and recovery timeline."
2. The Hidden Fee Hunter
"Here are my current investments: [list your funds/ETFs/401k options]. Act as a forensic financial analyst. Calculate exactly how much I'm losing per year to expense ratios, management fees, trading costs, and 12b-1 fees. Then recommend lower-cost alternatives for each position and show me the 10-year and 30-year compounding difference. I want to see the exact dollar amount these 'small' fees are stealing from my retirement."
"Here are my current investments: [list your funds/ETFs/401k options]. Act as a forensic financial analyst. Calculate exactly how much I'm losing per year to expense ratios, management fees, trading costs, and 12b-1 fees. Then recommend lower-cost alternatives for each position and show me the 10-year and 30-year compounding difference. I want to see the exact dollar amount these 'small' fees are stealing from my retirement."
3. The Tax Optimization Engine
"I earned [$X] this year from [salary/freelance/investments]. I live in [state]. Find every legal tax optimization strategy available to me — including tax-loss harvesting opportunities, retirement account maximization, HSA strategies, charitable giving hacks, and entity structuring options. Rank them by estimated savings and tell me which ones I need to implement before December 31st."
"I earned [$X] this year from [salary/freelance/investments]. I live in [state]. Find every legal tax optimization strategy available to me — including tax-loss harvesting opportunities, retirement account maximization, HSA strategies, charitable giving hacks, and entity structuring options. Rank them by estimated savings and tell me which ones I need to implement before December 31st."
4. The Retirement Reality Check
"I'm [age], earning [$X/year], currently have [$X] saved for retirement, and contribute [$X/month]. I want to retire at [age] with a lifestyle that costs [$X/month] in today's dollars. Run the math — factor in inflation at 3%, average market returns at 7%, and Social Security estimates. Tell me honestly: am I on track? If not, give me 3 specific scenarios showing exactly what I need to change — contribution amount, retirement age, or lifestyle expectations."
"I'm [age], earning [$X/year], currently have [$X] saved for retirement, and contribute [$X/month]. I want to retire at [age] with a lifestyle that costs [$X/month] in today's dollars. Run the math — factor in inflation at 3%, average market returns at 7%, and Social Security estimates. Tell me honestly: am I on track? If not, give me 3 specific scenarios showing exactly what I need to change — contribution amount, retirement age, or lifestyle expectations."
5. The Debt Assassin
"Here's my current debt: [list each debt with balance, interest rate, minimum payment]. Compare the avalanche method vs. the snowball method for my specific situation. Build me a month-by-month payoff calendar for both. Then find any refinancing, consolidation, or balance transfer opportunities that could save me money. Calculate the exact total interest I'd pay under each strategy."
"Here's my current debt: [list each debt with balance, interest rate, minimum payment]. Compare the avalanche method vs. the snowball method for my specific situation. Build me a month-by-month payoff calendar for both. Then find any refinancing, consolidation, or balance transfer opportunities that could save me money. Calculate the exact total interest I'd pay under each strategy."
6. The Real Estate Calculator
"I'm considering buying a home at [$X] with [$X] down payment in [city/state]. My income is [$X/year] with [$X/month] in existing debts. Run a complete buy vs. rent analysis for my situation over 5, 10, and 20-year horizons. Factor in property taxes, maintenance at 1% annually, opportunity cost of the down payment invested instead, mortgage interest deduction, and local appreciation rates. Tell me the honest break-even point."
"I'm considering buying a home at [$X] with [$X] down payment in [city/state]. My income is [$X/year] with [$X/month] in existing debts. Run a complete buy vs. rent analysis for my situation over 5, 10, and 20-year horizons. Factor in property taxes, maintenance at 1% annually, opportunity cost of the down payment invested instead, mortgage interest deduction, and local appreciation rates. Tell me the honest break-even point."
7. The Emergency Fund Strategist
"I earn [$X/month] with [$X/month] in fixed expenses. I currently have [$X] in emergency savings sitting in a regular checking account. Design a tiered emergency fund system — tell me exactly how much to keep in checking, high-yield savings, and money market funds. Recommend specific accounts with the highest current APY. Then calculate how much interest I'm losing every year by keeping my emergency fund in the wrong place."
"I earn [$X/month] with [$X/month] in fixed expenses. I currently have [$X] in emergency savings sitting in a regular checking account. Design a tiered emergency fund system — tell me exactly how much to keep in checking, high-yield savings, and money market funds. Recommend specific accounts with the highest current APY. Then calculate how much interest I'm losing every year by keeping my emergency fund in the wrong place."
8. The Insurance Audit
"Here are my current insurance policies: [list health, auto, home/renters, life, umbrella with monthly premiums and coverage amounts]. Analyze whether I'm over-insured, under-insured, or paying for coverage I don't need. Based on my age [X], dependents [X], net worth [$X], and assets, recommend the exact coverage amounts I actually need. Calculate potential annual savings from optimizing my policies."
"Here are my current insurance policies: [list health, auto, home/renters, life, umbrella with monthly premiums and coverage amounts]. Analyze whether I'm over-insured, under-insured, or paying for coverage I don't need. Based on my age [X], dependents [X], net worth [$X], and assets, recommend the exact coverage amounts I actually need. Calculate potential annual savings from optimizing my policies."
9. The Side Income Tax Shield
"I make [$X/year] from my day job and [$X/year] from [freelancing/side business/rental income]. I currently file as [W-2/1099/LLC/S-Corp]. Analyze whether my current business structure is costing me money in self-employment taxes. Walk me through exactly how restructuring as an S-Corp (or other entity) would change my tax burden. Include the breakeven point where it makes sense and the exact steps to make the switch."
"I make [$X/year] from my day job and [$X/year] from [freelancing/side business/rental income]. I currently file as [W-2/1099/LLC/S-Corp]. Analyze whether my current business structure is costing me money in self-employment taxes. Walk me through exactly how restructuring as an S-Corp (or other entity) would change my tax burden. Include the breakeven point where it makes sense and the exact steps to make the switch."
10. The Subscription Wealth Leak
"Here are all my monthly subscriptions and recurring charges: [list everything]. Calculate my total annual spend on subscriptions. Identify which ones have overlapping features I'm double-paying for. Flag any that have raised prices without me noticing. Then build me a 'keep, downgrade, cancel' list with exact annual savings for each decision. Show me what investing those savings at 8% returns would be worth in 10 years."
"Here are all my monthly subscriptions and recurring charges: [list everything]. Calculate my total annual spend on subscriptions. Identify which ones have overlapping features I'm double-paying for. Flag any that have raised prices without me noticing. Then build me a 'keep, downgrade, cancel' list with exact annual savings for each decision. Show me what investing those savings at 8% returns would be worth in 10 years."
11. The Wealth Snapshot Dashboard
"Here's my complete financial picture: Income [$X/year], Savings [$X], Investments [$X], Retirement accounts [$X], Debt [$X], Monthly expenses [$X]. Generate a full net worth analysis with key financial ratios — savings rate, debt-to-income, expense coverage ratio, and investment-to-net-worth ratio. Compare my ratios against benchmarks for my age and income bracket. Then give me the 3 highest-leverage moves I can make in the next 90 days to improve my weakest ratio."
"Here's my complete financial picture: Income [$X/year], Savings [$X], Investments [$X], Retirement accounts [$X], Debt [$X], Monthly expenses [$X]. Generate a full net worth analysis with key financial ratios — savings rate, debt-to-income, expense coverage ratio, and investment-to-net-worth ratio. Compare my ratios against benchmarks for my age and income bracket. Then give me the 3 highest-leverage moves I can make in the next 90 days to improve my weakest ratio."
12. The Generational Wealth Blueprint
"I'm [age] with [$X] in total assets, [X] dependents, and I want to build a legacy plan. Design a generational wealth transfer strategy that minimizes estate taxes. Cover 529 plans for education, trust structures, gifting strategies using the annual exclusion, Roth conversion ladders, and beneficiary optimization across all my accounts. Explain each step like I've never spoken to an estate planner before — because I haven't."
"I'm [age] with [$X] in total assets, [X] dependents, and I want to build a legacy plan. Design a generational wealth transfer strategy that minimizes estate taxes. Cover 529 plans for education, trust structures, gifting strategies using the annual exclusion, Roth conversion ladders, and beneficiary optimization across all my accounts. Explain each step like I've never spoken to an estate planner before — because I haven't."
That's the full playbook.
Most people pay $5,000/month for this kind of financial guidance.
You just got it in one thread.
Follow me @[handle] for more AI prompts that replace expensive professionals.
Repost the first tweet to help someone who needs this.
Most people pay $5,000/month for this kind of financial guidance.
You just got it in one thread.
Follow me @[handle] for more AI prompts that replace expensive professionals.
Repost the first tweet to help someone who needs this.
• • •
Missing some Tweet in this thread? You can try to
force a refresh
