Financial Planning

Help me create a travel rewards strategy using credit card churning. I want to apply for {number_of_cards} cards this year to maximize bonuses without paying interest or fees. Suggest cards,...

Design a system of small, daily money habits that will compound into significant wealth. First, ask me about my current financial routines and available time for new habits. Then create a set of...

Guide me in creating an automated investment strategy. Ask me about my financial goals, risk tolerance, and current investments. Then design a hands-off investment plan including: allocation...

Help me create a zero-based budget based on the following income and expenses:

Monthly income: {monthly_income}
Essential expenses: {essential_expenses}
Other costs: {other_expenses}

Assign a...

Use the 50/30/20 rule to allocate my monthly income of {monthly_income}. 

Break down:
- 50% Needs: rent, groceries, utilities
- 30% Wants: entertainment, dining out
- 20% Savings and debt...

Help me design a monthly cash flow tracker. My income sources are: {income_sources}.

My main recurring expenses include: {recurring_expenses}.

I want to clearly see my net income and track where...

Based on my monthly income of {monthly_income}, help me calculate savings targets aligned with these goals:

1. Emergency fund: {emergency_fund_goal}
2. Retirement savings:...

Create a simple weekly check-in routine to review my finances. It should include:
- Reviewing this week's spending
- Comparing actual vs budgeted expenses
- Noting any irregular costs
- Adjusting...

Suggest a beginner-friendly investing strategy that follows three simple steps.

My risk comfort level: {risk_tolerance}
Investment goals: {investment_goals}
Preferred time horizon:...

Design a repeatable monthly money management system that avoids spreadsheets or finance apps.

Include:
- Budgeting method
- Income and expense tracking
- Monthly goal review
- Financial habit...