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A free guide by Mariah Brunner ↗ INSTAGRAM ↗ TIKTOK

Turn Your Salary
Into A Wealth Plan

8 AI prompts that work like a free financial analyst. Save more, cut debt and build real wealth. Copy any prompt, drop in your numbers, and let AI build the plan with you.

Most people never make a real money plan because it feels overwhelming and expensive. It isn’t anymore. Each prompt below turns your actual numbers into a clear, personal plan in minutes.

  1. Open Claude or ChatGPT and start a new chat for each prompt.
  2. Fill in every [bracket] with real numbers. You can also attach a bank or card statement export instead of typing it out.
  3. Answer its follow-up questions. That back-and-forth is where the real plan gets built.

Before You Paste

Never paste account numbers, your Social Security number or logins. Totals are all it needs. If you don’t want your money chats used for training, switch off Help Improve our AI models under Settings > Privacy in Claude (how), or Improve the model for everyone under Settings > Data controls in ChatGPT.

AI is great at organizing your money and doing the math, but it isn’t a licensed advisor. Use these to get clear, then sanity-check anything big before you act.

See Where It All Goes

01

The Money Map: find your real savings rate

Start here. Before you can grow money, you need to see where it goes. This maps every dollar and hands you the single change that matters most.

The Money Map
Act as my personal financial analyst. Your goal is to show me exactly where my money goes and find my real savings rate. MY NUMBERS - Monthly take-home pay (after tax): [INCOME] - Everything I spend in a month: [LIST, or I'll attach a bank or card statement export] - Anything I already save or invest each month: [AMOUNT] STEPS 1. Sort every expense into needs, wants, debt payments, and saving/investing. If something is unclear, ask me instead of guessing. 2. Calculate my real savings rate: (money saved + invested) / take-home pay. 3. Redesign my monthly plan so I keep more without feeling deprived. Keep at least one "fun" line I won't hate. 4. Name the single change that moves the needle most, and how many dollars a year it frees up. OUTPUT A table (category, monthly $, % of take-home), my savings rate today vs. after your plan, then the one big change in bold. RULES Show your math. Use only the numbers I give you. Ask up to 3 follow-up questions before you finalize.

02

The Leak Detector: cut the waste you don’t notice

Forgotten subscriptions and quiet leaks add up fast. This ranks every cut from painless to painful and shows what each one puts back per year.

The Leak Detector
Act as a ruthless but kind spending auditor. Your goal is to find money I'm wasting without noticing. MY NUMBERS - Monthly take-home pay: [INCOME] - My last 1 to 3 months of spending: [BREAKDOWN, or attach statement exports] - Things I refuse to cut: [NON-NEGOTIABLES] STEPS 1. Flag every recurring charge (subscriptions, memberships, apps, insurance, phone, streaming) and ask me which ones I actually used last month. 2. Find the quiet leaks: fees, duplicate services, delivery markups, things that crept up in price. 3. Build a list of cuts that adds up to at least 20% of my non-essential spending, ranked from painless to painful. 4. For each cut, give the yearly dollars it puts back and the exact action (cancel, downgrade, call to negotiate, switch). OUTPUT A ranked table: cut, action, monthly $, yearly $, pain level (1 to 5). Total at the bottom. RULES Don't touch my non-negotiables. Don't recommend anything that adds debt.
Clear Debt, Build A Cushion

03

The Debt Killer: your debt-free date

Stop guessing which debt to pay first. This compares the two classic payoff orders, gives you a real debt-free date and shows the interest you save.

The Debt Killer
Act as a debt payoff strategist. Your goal is the fastest, cheapest path to zero debt. MY NUMBERS - Monthly take-home pay: [INCOME] - My monthly essential expenses: [EXPENSES] - Each debt: [NAME, BALANCE, INTEREST RATE (APR), MINIMUM PAYMENT] - Extra I can put toward debt each month: [AMOUNT] STEPS 1. Compare two orders: avalanche (highest interest rate first) and snowball (smallest balance first). 2. For each, give the month and year I'd be debt-free and the total interest paid. 3. Recommend one and explain why in two sentences, including whether quick wins would keep me motivated. 4. Flag anything worth checking: 0% balance transfer offers, promo rates ending, or a consolidation loan, with the fees and risks of each. OUTPUT A month-by-month payoff schedule (first 12 months, then yearly), my debt-free date, and interest saved vs. paying minimums only. RULES Show the assumptions. If my numbers don't add up, say so before building the plan.

04

The Safety Net: build an emergency fund

An emergency fund keeps one bad month from becoming new debt. This sizes yours, gives you a starter goal and a month-by-month plan, and tells you what to look for in a place to keep it.

The Safety Net
Act as my financial safety planner. Your goal is an emergency fund that keeps one bad month from turning into new debt. MY NUMBERS - Monthly essential expenses (rent, utilities, food, insurance, minimum debt payments, transport): [EXPENSES] - Monthly take-home pay: [INCOME] - What I have saved right now: [SAVINGS] - How stable my income is: [STEADY SALARY / COMMISSION / FREELANCE / ONE INCOME FOR A FAMILY] STEPS 1. Recommend a target size. Start from the common range of 3 to 6 months of essential expenses, then adjust up or down for my income stability and household, and explain why. 2. Set a small starter goal I can hit in the first month or two. 3. Build a month-by-month plan to reach the full target with what I can actually spare. 4. Explain the kinds of places to keep it so it stays safe and easy to reach but still earns something (for example a high-yield savings account at an insured bank or credit union), and what to look for when comparing them. OUTPUT Target amount, starter goal, a monthly timeline table, and a short "where to keep it" checklist. RULES Don't name specific interest rates as current facts. Tell me to check today's rates myself.
Make Money Grow On Autopilot

05

The Autopilot: invest without willpower

The people who build wealth automate it. This designs a system that moves money into investments the day you get paid.

The Autopilot
Act as an automation-first money coach. Your goal is a system that invests for me the day I get paid, with zero willpower. MY NUMBERS - Monthly take-home pay and payday schedule: [INCOME, e.g. $4,200 paid every other Friday] - What I want to invest each month: [AMOUNT] - Risk level: [LOW / MEDIUM / HIGH] - Accounts I have or can open: [e.g. 401(k) with match, IRA, brokerage, HSA, none yet] - Country: [COUNTRY] STEPS 1. Put my accounts in a sensible order to fund (for example, grab any employer match first) and explain why in plain words. 2. Design the money flow: what moves where, on which day, as automatic transfers or payroll deductions. 3. Suggest the type of investment that fits my risk level (for example broad, low-cost index funds) and explain the trade-off. No individual stock picks. 4. Give me a 30-minute setup checklist I can do this week. OUTPUT A simple flow diagram in text (Paycheck -> account -> account), a table of automatic transfers with dates, and the setup checklist. RULES Explain any account rules or limits as things for me to confirm for this year, because limits change. Remind me this is education, not personalized investment advice.

06

The 5-Year Blueprint: grow your net worth

Zoom out. Three scenarios with yearly milestones and every assumption shown, so you can trust the math.

The 5-Year Blueprint
Act as my long-range financial planner. Your goal is a realistic 5-year plan to grow my net worth. MY NUMBERS - Monthly take-home pay: [INCOME] - What I can invest each month: [MONTHLY] - Net worth today (assets minus debts): [NET WORTH] - Big goals in the next 5 years: [e.g. house down payment, wedding, career change] STEPS 1. Build three scenarios: cautious, middle and optimistic. State the yearly return and savings increase you assume for each. 2. Give yearly milestones (net worth at the end of each year) for all three. 3. Show where my big goals fit and what they cost in net worth. 4. Name the 3 levers that change the outcome most (savings rate, income growth, fees, debt) and how much each one moves year 5. OUTPUT A table by year for each scenario, then the 3 levers ranked. RULES Show every assumption. Never present a return as guaranteed. Ask me 2 or 3 questions first if my goals are unclear.
Earn More, Reach Freedom

07

The Raise You Give Yourself: add income in 90 days

You can only cut so much. This uses your real skills and free hours to find three ways to make more, ranked by speed to first dollar.

The Raise You Give Yourself
Act as a practical career and side-income strategist. Your goal is 3 realistic ways for me to add income in the next 90 days. ABOUT ME - Current income and job: [INCOME, ROLE] - Skills I'm good at, including boring ones: [SKILLS] - Hours a week I actually have free: [HOURS] - Things I won't do: [e.g. no weekends, no selling to friends] STEPS 1. Brainstorm 8 ideas across three buckets: earn more at my current job (raise, promotion, overtime), freelance or consult with my skills, and small products or services. 2. Cut to the best 3 for my hours and skills, ranked by speed to first dollar. 3. For each, give a realistic first-90-days income range, the costs, and the exact first step I can take this week. 4. If a raise is on the list, draft the 5-sentence message to my manager. OUTPUT A ranked table (idea, time per week, first-dollar timeline, 90-day range, first step), then the raise draft if relevant. RULES No get-rich-quick schemes, MLMs or anything that needs me to buy inventory up front. Be honest when an idea is slow.

08

The Freedom Date: when you stop needing a paycheck

The big one. It estimates when you could stop needing a paycheck, then shows the three changes that pull that date forward most.

The Freedom Date
Act as a financial independence planner. Your goal is to estimate the date I could stop needing a paycheck, and how to pull it closer. MY NUMBERS - Age: [AGE] - Monthly take-home pay: [INCOME] - Monthly expenses: [EXPENSES] - Invested today (all accounts): [INVESTED] - What I invest each month: [AMOUNT] STEPS 1. Estimate my "freedom number" using the common rule of thumb of 25x yearly expenses (about a 4% withdrawal rate). Also show a more conservative version at 30x. 2. Project when I reach each number, assuming an inflation-adjusted return of 5% a year, and show 4% and 6% too. 3. Find the 3 changes that pull the date furthest forward (spend less, invest more, earn more) and say by how many months or years each one does. OUTPUT My freedom number, the estimated date in each scenario, and a ranked table of the 3 changes. RULES Use today's dollars. Explain that the 4% rule is a rule of thumb from historical U.S. market data, not a guarantee. Ignore taxes unless I give you my tax situation, and say that you did.

How To Run The Set

Do them in order over one weekend. Map your money, plug the leaks, kill the debt, build the cushion, automate the investing, then look at the 5-year plan and your freedom date. Save the answers in one Claude Project or ChatGPT Project so each prompt can build on the last.