Money & budgetWorks best in: Any AI chat
Find every subscription you're paying for
Use it: When your statement has a pile of small charges you don't recognize.
Here are the charges from my last two bank and credit card statements (I removed all account numbers): [paste merchant names, dates, and amounts]. Find the recurring subscriptions, total them per month and per year, and sort them from most to least expensive. Mark anything that looks like a duplicate (like two streaming services or two cloud storage plans) and give me a "cancel first" list.
⚠️ Paste only merchant names, dates, and amounts. Never paste account or card numbers.
Money & budgetWorks best in: Copilot
Build a simple monthly budget
Use it: When you want a budget that fits on one page and that you'll actually follow.
My monthly take-home pay is [amount]. Fixed bills: [list each with amount]. Variable spending I know about: [groceries, gas, eating out, and so on, with rough amounts]. My goal is [goal, like saving $5,000 by next summer]. Build a simple monthly budget table, using the 50/30/20 rule as a starting point, show me where I'm over, and suggest 3 realistic cuts that don't touch [things you won't give up].
Money & budgetWorks best in: ChatGPT
Get a phone script to lower a bill
Use it: Before you call your cable, phone, internet, or insurance company.
Write a phone script to ask [company] to lower my [type of bill] bill. I've been a customer for [how many years], I pay [current monthly amount], and I've seen [competitor offer, if any]. Include a friendly opening line, what to say if they say no, when to ask for the retention or loyalty department, and a polite closing that confirms the new price and the date it starts.
Money & budgetWorks best in: Claude
Prepare for a meeting with a financial advisor
Use it: Before you sit down with a fee-only or fiduciary advisor about retirement.
I'm [age] and hope to retire around [target retirement age]. Help me prepare for a first meeting with a fee-only financial advisor. My situation in broad strokes: [types of savings, pension or no pension, debts, home paid off or not]. List 12 questions to ask about my situation and 5 questions to ask about how the advisor gets paid and whether they are a fiduciary. Don't recommend specific investments.
⚠️ AI isn't a lawyer or financial advisor. Use this to get organized, then confirm with a pro. Don't share account numbers or exact balances.
Money & budgetWorks best in: Any AI chat
Translate a confusing bill line by line
Use it: When a medical bill, credit card statement, or utility bill makes no sense.
Explain this [type of bill or statement] line by line in plain English: [paste the bill text, with account numbers removed]. Point out any fees, interest charges, or line items that look unusual, and tell me exactly what to ask the company about each one. Finish with a short script I can use when I call.
⚠️ Remove your name, Social Security number, member ID, and account numbers before pasting. AI can't replace a professional, so confirm anything important with one.
Money & budgetWorks best in: Copilot
Compare two money decisions side by side
Use it: When you're stuck between two choices, like buy vs. lease or repair vs. replace.
Help me compare [option A] and [option B] for [the decision]. My priorities are [your priorities, like lowest total cost, less hassle, flexibility]. Make a side-by-side table of total cost over [time period], pros, and cons, and show your math. Then list the questions I still need answered before I can decide.
Never paste Social Security numbers, account numbers, or passwords into an AI chat. AI isn't a doctor, lawyer, or financial advisor.
THE GEN