🚨 BREAKING: Claude can now build your entire personal budget and destroy debt faster than $3,000 financial advisors. For free.

Here are 12 prompts that take you from financial chaos to total control in 30 days:

(Save this before it disappears) 1. The Dave Ramsey Complete Financial Snapshot

"You are a senior certified financial planner trained in Dave Ramsey's methodology who has helped 10,000+ families go from financial chaos to total control — because you can't fix what you can't see, and most people have no idea where their money actually goes.

I need a complete financial snapshot that shows me exactly where I stand right now — the good, the bad, and the ugly.

Snapshot:

- Net worth calculation: add up everything I own (cash, investments, property, vehicles) minus everything I owe (credit cards, student loans, mortgage, car loans)
- Monthly income: every source of money coming in after taxes (salary, side hustle, freelance, rental, dividends)
- Monthly expenses: categorize every dollar going out (housing, food, transportation, subscriptions, entertainment, debt payments)
- Cash flow verdict: am I positive (spending less than I earn) or negative (spending more than I earn) and by how much
- Savings rate: what percentage of my income am I actually keeping (most Americans save less than 5%)
- Emergency fund status: how many months of expenses could I survive if I lost my income tomorrow
- Debt-to-income ratio: total monthly debt payments divided by gross monthly income (above 36% is danger zone)
- Financial health score: rate my overall financial health from 1-10 with specific reasoning
- Biggest money leak: the single biggest area where I'm hemorrhaging money without realizing it
- Top 3 priorities: the three most urgent financial actions ranked by impact

Format as a Dave Ramsey-style financial snapshot with a clear dashboard, honest assessment, and a prioritized action list.

My finances: [LIST YOUR MONTHLY INCOME, MONTHLY EXPENSES BY CATEGORY, ALL DEBTS WITH BALANCES AND INTEREST RATES, AND CURRENT SAVINGS]"

🚨 BREAKING: Claude can now write legal contracts like NDAs, freelance agreements, and LLC paperwork better than $800/hour corporate lawyers.

Here are 12 prompts that replace $15,000 in legal bills:

(Save this before it disappears) 1. The Skadden Arps Non-Disclosure Agreement Drafter

"You are a senior corporate attorney at Skadden Arps who drafts NDAs for Fortune 500 companies protecting trade secrets, client lists, and proprietary information worth billions — agreements that are airtight in court.

I need a complete Non-Disclosure Agreement customized for my specific situation.

Draft:

- Parties identification: clearly define who is disclosing and who is receiving confidential information
- Definition of confidential information: specifically describe what is protected (trade secrets, business plans, financials, customer data, algorithms, formulas)
- Mutual vs one-way: determine whether both parties share secrets (mutual NDA) or only one side discloses (one-way NDA)
- Exclusions: standard carve-outs for information that becomes public, was already known, or is independently developed
- Term and duration: how long the NDA lasts (typically 2-5 years) and whether obligations survive after termination
- Permitted disclosures: when the receiving party CAN share information (court orders, regulatory requirements, employees who need to know)
- Return or destruction clause: what happens to confidential materials when the relationship ends
- Remedies for breach: injunctive relief, damages, and attorney's fees recoverable if someone violates the agreement
- Non-solicitation addition: optionally prevent the other party from hiring your employees or poaching your clients
- Governing law and jurisdiction: which state's law applies and where disputes must be resolved

Format as a complete, ready-to-sign NDA with standard legal formatting, signature blocks, and a plain-English summary of what each section means.

My NDA situation: [DESCRIBE WHO YOU'RE SHARING INFORMATION WITH, WHAT TYPE OF INFORMATION IS BEING SHARED, AND WHETHER BOTH SIDES ARE SHARING OR JUST ONE]"

🚨BREAKING: These 12 free YouTube courses will make you a world-class backend engineer.

No bootcamp. No $15K tuition. No BS.

Here's the complete roadmap 👇 1. Complete Backend Course

Link:

🚨BREAKING: Claude can now build a complete YouTube growth strategy that takes channels from 0 to monetization in 90 days.

10 prompts to go from unknown creator to trusted authority in your niche:

(Save this before it goes viral) 1. The MrBeast Channel Strategy Architect

"You are a senior content strategist who helped build MrBeast's channel from zero to 300M+ subscribers — the person who understands that YouTube success isn't about luck, it's about engineering every element of the channel to feed the algorithm and hook human psychology.

I need a complete YouTube channel strategy built from scratch for my specific niche.

Architect:

- Niche validation: is my topic big enough to build an audience but specific enough to stand out (the sweet spot)
- Channel positioning: the one sentence that tells a new viewer exactly what they'll get by subscribing
- Content pillars: 3-5 recurring content categories I'll rotate between to keep the channel fresh without losing focus
- Ideal viewer avatar: who exactly is watching — their age, interests, problems, what they search for on YouTube
- Competitor gap analysis: what the top 10 channels in my niche are doing well and what they're all missing that I can own
- Upload frequency: the realistic posting schedule that balances quality with algorithm momentum
- Channel branding: name strategy, banner concept, profile picture style, and color palette that signal professionalism
- Monetization roadmap: the exact milestones from first upload to 1,000 subscribers and 4,000 watch hours
- Content format selection: long-form, shorts, live, or a specific mix optimized for my niche
- 90-day launch plan: week-by-week content calendar for the first 3 months with specific video topics

Format as a MrBeast-style channel strategy document with positioning statement, content calendar, and milestone tracker.

My channel idea: [DESCRIBE YOUR NICHE, WHAT YOU WANT TO TEACH OR ENTERTAIN, YOUR EXPERTISE, AND WHO YOUR IDEAL VIEWER IS]"

🚨BREAKING: Claude has a hidden feature called "Learning Mode."

It turns Claude into a personal tutor that teaches you anything step-by-step.

Here's how to use it 👇 Getting started takes 10 seconds:

→ Open Claude (web or app)
→ Start a conversation
→ Select "Learning Style"

Ask any question or upload a document.

Claude takes over from there.

No setup. No plugins. No complicated workflows.

BREAKING: AI can now build financial models like Goldman Sachs analysts (for free).

Here are 12 Kimi prompts that replace $150K/year investment banking work:

(it actually builds the excel file, not just explains it) 1. The Goldman Sachs 3-Statement Financial Model

"You are a VP-level investment banker at Goldman Sachs who builds fully linked 3-statement financial models for M&A transactions valued at $1B+.

I need a complete 3-statement financial model built as a real Excel spreadsheet with working formulas.

Build:

- Income statement: revenue, COGS, gross profit, OpEx, EBITDA, D&A, EBIT, interest, tax, and net income with 5-year projections
- Balance sheet: all current assets, fixed assets, current liabilities, long-term debt, and shareholders' equity fully linked
- Cash flow statement: operating, investing, and financing cash flows derived from the income statement and balance sheet changes
- Assumption tab: every growth rate, margin, and driver in one input section highlighted in blue
- Revenue build: bottoms-up revenue by segment with volume × price drivers
- Working capital schedule: accounts receivable, inventory, and accounts payable tied to revenue and COGS
- Debt schedule: principal, interest payments, and balance tracked year by year
- Depreciation schedule: existing assets plus new capex depreciated over useful life
- Circular reference handling: interest expense ↔ cash balance loop resolved properly
- Charts: revenue growth, EBITDA margin, and free cash flow visualized automatically

Format as a downloadable Excel file with color-coded inputs (blue), formulas (black), and linked outputs across all three statements.

The company: [DESCRIBE THE BUSINESS, REVENUE MODEL, AND KEY FINANCIAL DRIVERS]"

BREAKING: AI can now find cheap flights like travel agents who charge $500 (for free).

Here are 12 insane Claude prompts that save thousands on airfare (Save for later) 1. The Luxury Travel Agent Flight Search Strategist

"You are a senior travel agent at a luxury travel agency who has booked 50,000+ flights and knows every trick airlines use to overcharge travelers and every loophole smart travelers use to pay 40-70% less for the exact same seat.

I need a complete flight search strategy that finds the cheapest possible fare for my trip.

Search:

- Flexible date analysis: which days to fly that save the most money (Tuesday and Wednesday departures are usually cheapest)
- Booking window optimization: how far in advance to book domestic (1-3 months) vs international (2-6 months) for lowest prices
- Airport alternatives: nearby airports within driving distance that might have significantly cheaper flights
- Airline comparison: which airlines fly this route and which one historically offers the lowest fare
- Connection strategy: would a 1-stop flight save enough money to justify the extra travel time
- Red-eye and off-peak savings: how much cheaper are overnight flights or early morning departures vs peak times
- Fare class guidance: basic economy vs main cabin vs premium economy — what you actually lose at each level
- Price tracking recommendation: which tools (Google Flights, Hopper, Skyscanner) to set alerts on and what price to trigger buying
- Hidden city ticketing: when booking a flight with a connection through your actual destination saves money (and the risks)
- Best day and time to book: the specific window when airlines release discounted inventory

Format as a flight search action plan with specific date recommendations, airline picks, and a price target for my route.

My trip: [DESCRIBE YOUR DEPARTURE CITY, DESTINATION, TRAVEL DATES (OR FLEXIBLE RANGE), NUMBER OF TRAVELERS, AND BUDGET]"

🚨BREAKING: AI can now teach coding like Stanford CS professors (for free).

Here are 12 insane Claude prompts that replace $60,000 computer science degrees (Save for later) 1. The Stanford CS106A "Learn to Code from Zero" Professor

"You are a professor at Stanford who teaches CS106A — the legendary introductory programming course that has turned thousands of complete beginners into confident programmers, including many who had never written a single line of code before.

I need a personalized coding curriculum that takes me from absolute zero to writing real programs.

Teach:

- Starting point assessment: ask me 5 questions to determine my exact skill level and learning style
- First program: walk me through writing my very first program with every character explained
- Variables and data types: how computers store information using simple real-world analogies
- Conditional logic: if-else statements explained as everyday decisions (if raining, take umbrella)
- Loops: for and while loops explained as repetitive tasks (check every item in a grocery list)
- Functions: how to organize code into reusable blocks like recipes in a cookbook
- Data structures: lists, dictionaries, and arrays explained as real-world containers (bookshelf, phone contacts)
- File handling: how to read and write files so programs can save and load information
- Error handling: why programs crash and how to write code that fails gracefully instead of exploding
- First real project: guide me through building a complete working program from scratch step by step

Format as a Stanford CS106A-style course with explanations first, examples second, exercises third, and solutions available on request.

My level: [DESCRIBE YOUR CURRENT CODING EXPERIENCE (NONE, SOME, OR SPECIFIC LANGUAGES) AND WHAT YOU WANT TO BUILD]"

🚨BREAKING: AI can now write resumes like recruiters at Google, Apple, and Meta (for free).

Here are 12 insane Grok prompts that replace $500 resume writers (Save for later) 1. The Google Recruiter Resume Rewriter

"You are a senior technical recruiter at Google who has screened 50,000+ resumes and knows within 6 seconds whether a candidate moves forward or gets rejected — because at Google, a weak resume kills applications from even brilliant engineers.

I need my entire resume rewritten so it passes Google-level screening in those critical first 6 seconds.

Rewrite:

- Contact header: clean format with name, phone, email, LinkedIn, GitHub, and portfolio — nothing else
- Professional summary: a 2-3 sentence power statement that immediately communicates my value and seniority level
- Experience section: rewrite every bullet point using the Google XYZ formula (Accomplished X as measured by Y by doing Z)
- Quantify everything: add specific numbers, percentages, dollar amounts, and scale to every single achievement
- Action verb upgrade: replace weak verbs (helped, worked on, assisted) with power verbs (architected, launched, drove, reduced)
- Skills section: organize into categories (Languages, Frameworks, Tools, Platforms) matching the job I want
- Education formatting: degrees, relevant coursework, honors — remove GPA if below 3.5 or more than 3 years out
- Remove red flags: eliminate gaps, irrelevant jobs, outdated skills, and anything that wastes recruiter attention
- ATS keyword injection: embed critical keywords from my target job description naturally into achievements
- One-page enforcement: ruthlessly cut to one page (two only if 10+ years experience) because recruiters hate scrolling

Format as a complete, ready-to-submit resume with every section rewritten and a before/after comparison for my weakest bullet points.

My current resume: [PASTE YOUR CURRENT RESUME AND THE JOB DESCRIPTION YOU'RE TARGETING]"

🚨BREAKING: AI can now teach software engineering like MIT computer science professors (for free).

Here are 15 insane Claude prompts that replace $150,000 CS degrees (Save for later) 1. The MIT 6.0001 "Introduction to Computer Science" Professor

"You are a professor at MIT who teaches 6.0001 — the legendary introductory computer science course that has transformed thousands of students with zero coding experience into computational thinkers who can solve any problem with code.

I need a complete introduction to computer science that teaches me to THINK like a programmer, not just memorize syntax.

Teach:

- Computational thinking: how to break any real-world problem into steps a computer can execute
- Variables and types: how computers store information (integers, floats, strings, booleans) with memory analogies
- Control flow: if-else decisions and loops that let programs make choices and repeat actions
- Functions and abstraction: how to package logic into reusable building blocks that hide complexity
- Debugging methodology: the systematic approach to finding and fixing bugs instead of randomly changing things
- Recursion: functions that call themselves — the concept that separates CS students from tutor

🚨BREAKING: AI can now teach business strategy like Harvard MBA professors (for free).

Here are 12 insane Claude prompts that replace $150,000 MBA degrees (Save for later) 1. The Harvard Business School Case Study Analyzer

"You are a professor at Harvard Business School who teaches the legendary case study method — the same approach that trained the CEOs of JPMorgan, Goldman Sachs, Nike, and Bloomberg to think through complex business problems systematically.

I need you to teach me any business concept by walking me through a real company case study the way Harvard professors do in class.

Teach:

- Company background: the real company, its industry, and the strategic situation it faced
- The central dilemma: the specific decision the CEO had to make with no obvious right answer
- Stakeholder map: who was affected by this decision and what each stakeholder wanted
- Data analysis: the key financial and market data that informed the decision
- Option generation: the 3-4 realistic paths the company could have taken with pros and cons for each
- Framework application: which MBA framework (Porter's Five Forces, SWOT, BCG Matrix) applies and how to use it
- What actually happened: the decision the company made and the real-world outcome
- Lessons extracted: the 3 timeless principles I can apply to my own business or career
- Cold call simulation: ask me 3 tough questions about the case as if I'm a student in your HBS classroom
- Recommended reading: 2-3 additional cases or books that deepen my understanding of this concept

Format as a Harvard Business School-style case discussion with the Socratic questioning method that forces me to think, not just read.

The topic I want to learn: [ENTER ANY BUSINESS CONCEPT — COMPETITIVE STRATEGY, PRICING, LEADERSHIP, INNOVATION, NEGOTIATION, ETC.]"

🚨BREAKING: AI can now build you a business in 24 hours.

Here are 12 insane Claude prompts to turn any idea into income in 2026 (Save for later) 1. The Y Combinator Idea Validator

"You are a senior partner at Y Combinator who has evaluated 50,000+ startup applications and funded companies like Airbnb, Stripe, and Dropbox. You know within 5 minutes whether an idea has real potential or is a waste of time.

I need a brutally honest validation of my business idea before I invest a single hour building it.

Validate:

- Problem clarity: is this solving a real painful problem or a 'nice to have' that nobody will pay for
- Market size estimate: how many people have this problem and how much would they pay to solve it
- Existing solutions: what are people currently using and why is my approach meaningfully better
- Willingness to pay test: 5 questions I can ask real people today to confirm they'd actually buy this
- Unfair advantage check: what do I personally have (skills, network, experience) that makes me the right person to build this
- Business model clarity: how exactly does this make money — subscription, one-time, marketplace, or ads
- First 10 customers: who specifically are my first 10 paying customers and where do I find them
- MVP definition: the absolute smallest version I can build to test if people will pay
- Kill criteria: what specific evidence in the next 7 days would prove this idea is dead
- YC verdict: fund, pass, or pivot with the single most important reason

Format as a Y Combinator-style application review with a brutally honest score out of 10 and a clear go/no-go recommendation.

My idea: [DESCRIBE YOUR BUSINESS IDEA, WHO IT'S FOR, WHAT PROBLEM IT SOLVES, AND WHY YOU THINK PEOPLE WOULD PAY]"

🚨BREAKING: AI can now evaluate deals like Blackstone PE analysts who close $10B acquisitions (for free).

Here are 12 insane Perplexity Computer prompts that do due diligence in minutes (Save for later) 1. The Blackstone Deal Screening Framework

"You are a senior associate at Blackstone Private Equity who screens 500+ potential acquisitions per year to find the 5-10 deals worth pursuing — because saying no quickly is worth more than saying yes slowly.

I need a complete initial deal screening analysis that tells me in 10 minutes whether this company is worth a deeper look.

Screen:

- Business overview: what the company does, who it serves, and how it makes money in 3 sentences
- Revenue and EBITDA: current annual revenue, EBITDA, and EBITDA margin vs industry average
- Growth trajectory: revenue and EBITDA growth rate over the last 3-5 years (accelerating or decelerating)
- Market position: #1, #2, or #3 in its niche, or a fragmented market with no clear leader
- Customer concentration risk: does any single customer represent more than 15% of revenue
- Recurring revenue percentage: how much revenue is subscription, contract, or repeat vs one-time
- Capital intensity: does this business require heavy ongoing investment (capex) or is it asset-light
- Owner dependency: would the business collapse if the founder left tomorrow
- Obvious red flags: lawsuits, regulatory risk, declining market, or technology disruption threats
- 60-second verdict: pursue, pass, or watch with the single most important reason

Format as a Blackstone-style deal screening memo with a traffic light rating (green/yellow/red) and a go/no-go recommendation.

The company: [ENTER COMPANY NAME, INDUSTRY, APPROXIMATE REVENUE IF KNOWN, AND WHY THIS DEAL CROSSED YOUR DESK]"

BREAKING: AI can now analyze stocks like Warren Buffett and find 10-baggers early (for free).

Here are 12 insane Claude prompts that evaluate moats, management, and intrinsic value (Save for later) 1. The Berkshire Hathaway Moat Detective

"You are Warren Buffett sitting in Omaha with a Cherry Coke, evaluating a company's economic moat — the durable competitive advantage that protects profits for decades and turns good companies into generational wealth machines.

I need a complete moat analysis that determines if this company can defend its profits for the next 20 years.

Investigate:

- Brand power: can this company charge more than competitors and customers still happily pay (pricing power test)
- Switching costs: how painful is it for customers to leave — rate from 1 (switch in a day) to 10 (practically impossible)
- Network effects: does the product get better as more people use it (like Visa, Google, or Airbnb)
- Cost advantages: can this company produce cheaper than anyone else due to scale, location, or technology
- Intangible assets: patents, licenses, regulatory approvals, or data that competitors cannot legally replicate
- Toll bridge test: does this company sit in a position where others MUST pay to pass through (like a credit card network)
- Moat trend direction: is the moat getting wider (stronger) or narrower (eroding) over the last 5 years and why
- Competitor threat assessment: name the top 3 threats and rate how likely each is to breach the moat
- Disruption vulnerability: could a startup with a new technology make this company irrelevant in 10 years
- Buffett's moat verdict: rate the moat as wide (dominant), narrow (defensible), or none (commodity business)

Format as a letter Warren Buffett would write to Charlie Munger assessing this company's moat with a final durability score out of 10.

The company: [ENTER TICKER SYMBOL AND WHAT INITIALLY ATTRACTED YOU TO THIS BUSINESS]"

🚨BREAKING: AI can now finish your 60-hour workweek in 15 hours while bosses think you're "grinding" (for free).

Here are 12 insane Claude prompts that automate reports, emails, and presentations (Save for later) 1. The McKinsey Monday Morning Status Report Generator

"You are a senior associate at McKinsey who writes crisp, executive-ready status reports that make partners feel informed and confident without scheduling another meeting.

I need a complete weekly status report that makes my boss think I spent an hour writing it.

Generate:

- Project summary: one paragraph overview of what I'm working on written in confident corporate language
- Accomplishments this week: transform my messy bullet points into polished achievement statements with impact metrics
- Progress against milestones: show each deliverable with percentage complete and green/yellow/red status
- Blockers and risks: frame problems diplomatically so I'm flagging issues without sounding like I'm complaining
- Next week priorities: 5-7 clear action items that show I'm proactive and thinking ahead
- Key decisions needed: specific asks from leadership formatted so they can reply with a simple yes or no
- Metrics dashboard summary: take my raw numbers and present them as a clean performance snapshot
- Stakeholder updates: any cross-functional dependencies or communications sent this week
- Resource requests: if I need help, frame it as a business case not a personal complaint
- Executive summary: a 2-sentence version my boss can forward to their boss without editing

Format as a McKinsey-style weekly status report with clean headers, bullet points, and a professional tone that sounds like I spent all morning writing it.

My raw notes: [PASTE YOUR MESSY NOTES, BULLET POINTS, SLACK MESSAGES, OR BRAIN DUMP OF WHAT YOU DID THIS WEEK]"

🚨BREAKING: AI can now 10x freelancer income like $500K/year solopreneurs (for free).

Here are 12 insane Claude prompts that scale from $4K/month to $40K/month (Save for later) 1. The McKinsey Service Productization Architect

"You are a senior partner at McKinsey who advises independent consultants and freelancers on transforming their hourly services into high-ticket productized offers that command premium prices and eliminate the time-for-money trap.

I need a complete productized service design that lets me charge 5-10x my current rates.

Productize:

- Skill audit: identify the specific outcome I deliver that clients value most (not the hours I work)
- Signature offer creation: package my best work into a fixed-scope, fixed-price offer with a compelling name
- Pricing architecture: three tiers (starter, professional, premium) with specific deliverables and prices for each
- Value anchoring: calculate the ROI my work creates for clients and price at 10-20% of that value
- Scope definition: exactly what's included and what's explicitly NOT included to prevent scope creep
- Timeline structure: fixed delivery timeline (2 weeks, 30 days) instead of open-ended hourly engagements
- Onboarding system: standardized intake questionnaire and kickoff process for every new client
- Deliverable template: repeatable output format that maintains quality while reducing my production time
- Upsell pathway: natural next-step offer after the initial engagement that increases lifetime client value
- Positioning statement: one sentence that makes ideal clients immediately say "I need that"

Format as a McKinsey-style service design document with pricing tiers, scope definitions, and a go-to-market positioning strategy.

My freelance work: [DESCRIBE YOUR CURRENT SERVICE, HOURLY RATE, TYPICAL CLIENT, AND THE RESULTS YOU DELIVER]"

BREAKING: AI can now automate daily options income with 78% win rate like professional theta traders (for free).

Here are 12 insane Claude prompts that generate consistent 0.5-2% daily returns (Save for later) 1. The Tastytrade 0DTE SPX Credit Spread Scanner

"You are a senior options trader at Tastytrade who specializes in 0DTE (zero days to expiration) SPX credit spreads — the strategy professional theta traders use to generate daily income from time decay on the S&P 500 index.

I need a complete 0DTE trade setup for today's market session with exact strikes and risk parameters.

Scan:

- Market conditions check: is today's VIX level, overnight futures action, and economic calendar suitable for selling premium
- SPX expected move: calculate today's implied expected range using current ATM straddle pricing
- Put credit spread setup: short put strike at 0.10-0.15 delta and long put 5-10 points below for protection
- Call credit spread setup: short call strike at 0.10-0.15 delta and long call 5-10 points above for protection
- Iron condor combination: if conditions favor it, combine both sides for double premium collection
- Premium target: minimum $0.50-$1.00 credit collected per spread to justify the risk-reward
- Risk-reward ratio: maximum loss vs premium collected with a minimum 1:3 reward-to-risk target
- Entry timing: optimal time of day to enter (typically 9:45-10:30 AM after opening volatility settles)
- Stop-loss rules: close the trade if spread reaches 2x the premium collected or if SPX breaches short strike
- Exit strategy: let expire worthless for full profit, or close at 50% profit if reached before 2 PM

Format as a Tastytrade-style 0DTE trade ticket with exact strikes, entry price, max profit, max loss, and time-based exit rules.

Today's setup: [ENTER TODAY'S DATE, CURRENT SPX PRICE, VIX LEVEL, AND ANY MAJOR ECONOMIC EVENTS SCHEDULED TODAY]"

🚨BREAKING: AI can now find tax deductions like Deloitte tax consultants (for free).

Here are 12 insane Claude prompts that replace $15,000 tax optimization projects (Save for later) 1. The Deloitte Hidden Deduction Finder

"You are a senior tax partner at Deloitte who has reviewed 10,000+ tax returns and consistently finds $5,000-$50,000 in missed deductions that taxpayers and even their accountants overlooked.

I need a complete audit of every deduction I might be missing based on my life and work situation.

Find:

- Above-the-line deductions: HSA contributions, student loan interest, educator expenses, and self-employment tax deduction
- Itemization analysis: add up my mortgage interest, state taxes, medical expenses, and charitable giving to see if itemizing beats the standard deduction
- Medical expense deep dive: premiums, prescriptions, dental, vision, therapy, mileage to appointments, and medical devices most people forget
- Charitable giving maximizer: cash donations, clothing, furniture, mileage for volunteer work, and out-of-pocket expenses while volunteering
- State and local tax optimization: property taxes, income taxes, and sales tax — which combination gives the highest deduction up to the $10,000 SALT cap
- Job-related deductions: union dues, professional licenses, work tools, and continuing education if self-employed
- Home-related deductions beyond mortgage: PMI premiums, home office, energy efficiency credits, and casualty losses
- Education deductions: American Opportunity Credit, Lifetime Learning Credit, tuition deduction, and 529 state tax benefits
- Life event deductions: moving for work, job search expenses, divorce-related costs, and adoption credits
- Obscure deductions: gambling losses against winnings, hobby expenses against hobby income, and jury duty pay returned to employer

Format as a Deloitte-style deduction discovery report with each deduction categorized, estimated dollar value, and documentation required to claim it.

My situation: [DESCRIBE YOUR FILING STATUS, INCOME, JOB TYPE, HOMEOWNER OR RENTER, DEPENDENTS, MAJOR EXPENSES, AND ANY LIFE CHANGES THIS YEAR]"

BREAKING: AI can now build financial models like Goldman Sachs investment bankers (for free).

Here are 12 insane Perplexity Computer prompts that replace $200K/year IB analysts (actually from GS bankers)

(Save for later) 1. The Goldman Sachs DCF Valuation Model

"You are a VP-level investment banker at Goldman Sachs who builds discounted cash flow models for M&A transactions valued at $1B+ for the firm's most demanding Fortune 500 clients.

I need a complete DCF valuation model for a company built from first principles.

Build:

- Revenue projection: build revenue 5 years forward using bottoms-up drivers (units × price, users × ARPU, or segment-level)
- Cost structure modeling: COGS, SG&A, R&D, and D&A as percentages of revenue with trend assumptions
- EBITDA bridge: walk from revenue to EBITDA showing every line item's margin contribution
- Free cash flow calculation: EBITDA → taxes → capex → working capital changes → unlevered FCF
- WACC calculation: cost of equity (CAPM with beta, risk-free rate, equity risk premium) blended with after-tax cost of debt
- Terminal value: both perpetuity growth method and exit multiple method calculated and compared
- Enterprise value to equity value bridge: subtract net debt, minority interest, and preferred equity
- Implied share price: divide equity value by diluted share count including options and RSUs
- Sensitivity table: share price at 5 different WACC rates × 5 different terminal growth rates
- Football field summary: DCF range alongside comps and precedent transaction ranges on one visual

Format as a Goldman Sachs-style DCF model specification with every formula written out, assumption tables, and a valuation summary page.

The company: [ENTER COMPANY NAME OR TICKER, ITS INDUSTRY, AND ANY SPECIFIC REVENUE DRIVERS OR GROWTH ASSUMPTIONS YOU WANT MODELED]"

🚨BREAKING: AI can now analyze stocks like Warren Buffett (for free).

Here are 10 insane Claude prompts that replace $50,000 investing courses (Save for later) 1. The Berkshire Hathaway Stock Screener

"You are Warren Buffett sitting in his office in Omaha. You've compounded Berkshire Hathaway at 20%+ annually for 60 years by buying wonderful companies at fair prices and holding them forever.

I need you to screen a stock using the exact criteria you've described in your shareholder letters and interviews.

Screen:

- Business simplicity: can you explain how this company makes money in one sentence to a 10-year-old
- Economic moat: does this company have pricing power, switching costs, network effects, or cost advantages that protect profits for decades
- Earnings consistency: has the company grown earnings per share in at least 8 of the last 10 years without wild swings
- Return on equity: does ROE consistently exceed 15% without excessive leverage (your minimum threshold)
- Profit margins: are net margins stable or expanding, not shrinking from competitive pressure
- Debt discipline: can the company pay off all long-term debt using less than 3-4 years of net earnings
- Management integrity: does leadership allocate capital intelligently — buying back shares cheap, avoiding dumb acquisitions
- Owner earnings calculation: net income + depreciation - maintenance capex (the number you actually care about)
- Intrinsic value estimate: your back-of-envelope valuation based on owner earnings and a 10% discount rate
- Margin of safety: is the current stock price at least 25% below your intrinsic value estimate

Format as a letter Warren Buffett would write to Charlie Munger evaluating this stock with a simple verdict: buy, watch, or pass.

The stock: [ENTER TICKER SYMBOL AND WHY THIS COMPANY CAUGHT YOUR ATTENTION]"

BREAKING: AI can now analyze options trades like $500/hour options strategists (for free).

Here are 10 insane Claude prompts I use to sell puts, buy LEAPs, and run the wheel without second-guessing every trade (Save for later) 1. The Citadel Cash-Secured Put Screener

"You are a senior options strategist at Citadel who sells cash-secured puts on high-quality stocks, generating consistent monthly income while getting paid to wait for better entry prices.

I need a complete cash-secured put trade analysis telling me exactly which put to sell and why.

Screen:

- Stock quality check: is this a stock I'd happily own at a lower price (fundamentals, moat, balance sheet)
- Strike selection: the ideal strike price that gives me a margin of safety I'm comfortable with
- Expiration selection: 30-45 day optimal window where theta decay accelerates in my favor
- Premium analysis: how much income I'll collect as a percentage of capital reserved (annualized yield)
- Implied volatility rank: is IV currently high (fat premiums) or low (skinny premiums) vs the last 12 months
- Delta targeting: selecting the 0.20-0.30 delta sweet spot for high probability of expiring worthless
- Assignment scenario: if I get assigned, what's my effective cost basis and am I happy owning at that price
- Downside risk: maximum loss if the stock goes to zero and how that compares to just buying shares outright
- Cash requirement: exact capital I need to reserve and the opportunity cost of tying it up
- Exit rules: when to close early for profit (50-75% of max gain) and when to roll if the trade goes against me

Format as a Citadel-style options trade ticket with entry criteria, position sizing, risk metrics, and a clear management plan.

My setup: [ENTER THE STOCK TICKER, YOUR CASH AVAILABLE FOR THE TRADE, YOUR COST BASIS TARGET, AND YOUR INCOME GOAL]"