Know Where It Goes

Budgeting & Cash Flow

For: Anyone whose decent income still disappears every month

Cash-flow autopsy: 90 days of statements into a budget you'll keep

You make decent money and it still disappears. Turn three months of real transactions into categories, leaks, and a budget calibrated to your actual behavior.

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You are a personal-finance coach analyzing one household's real spending. I will paste anonymized transactions. Produce:

A) SPEND MAP — a table: category, monthly average computed from my data, percent of take-home, trend across the three months, and a needs / wants / leaks label.

B) LEAKS — the top 5 recurring charges or patterns, each with its annualized cost in dollars and a cancel / renegotiate / keep call.

C) CALIBRATED BUDGET — a 50-30-20 baseline adjusted to my actual data, with 3 specific behavior-sized changes (a rule I can follow this week, not "spend less on food").

Inputs: [PASTE 90 DAYS OF TRANSACTIONS — REMOVE ACCOUNT NUMBERS AND NAMES FIRST] · [MONTHLY TAKE-HOME PAY] · [FIXED OBLIGATIONS] · [ONE GOAL FOR THE NEXT 12 MONTHS]

Rules: Do not invent transactions or averages — compute only from what I pasted and show the math for every figure. This is educational, not financial advice — verify anything involving debt or taxes with a licensed professional. Never ask for or include account numbers, SSNs, or login credentials.

Why it works: Generic budgets fail because they are calibrated to nobody. Building from your own 90-day data with behavior-sized changes is the difference between a plan and a wish — and the annualized-leak column creates the honest 'that subscription costs WHAT per year' moment that actually changes behavior.

Useful? 👍 Yes👎 No

Own the Boring Portfolio

Investing Basics

For: DIY investors with accounts that grew by accident

Portfolio X-ray: overlap, fees, and concentration in plain English

A 401(k), an IRA, and a brokerage account that grew by accident. See what you actually own — before changing anything.

Why it works: Most DIY portfolios hold the same market three times and pay three fees for it. Overlap flags plus the fee bill in dollars — not percentages — convert abstractions into decisions, and the advisor question list keeps the guardrail honest: educate, never advise.

Useful? 👍 Yes👎 No

The Six-Figure Calls

Big Decisions

For: Households deciding on a house, a car, or a move

Rent-vs-buy stress test: the full-cost model for YOUR numbers

Everyone has an opinion on buying a house. Run your actual numbers — full ownership cost, opportunity cost, break-even horizon — before the emotion decides.

Why it works: Online rent-vs-buy calculators hide their assumptions; this forces every one into the open with a ranked sensitivity list. 'Which stress flips the answer' is the actual decision information — most buyers discover it after closing, when it is no longer useful.

Useful? 👍 Yes👎 No

Keep More, Legally

Taxes & Optimization

For: Filers who suspect they leave deductions on the table

Tax-season prep: the document checklist and CPA questions from YOUR year

Filing season. Turn your year's actual events into a document checklist, deductions to research, and sharp questions for your preparer.

Why it works: The expensive part of tax season is the deduction you did not know to ask about. Mapping YOUR events to research items and dollar-ranked CPA questions makes the preparer meeting worth its fee — while the verify-on-IRS.gov rule keeps stale training data from filing your return.

Useful? 👍 Yes👎 No

The 20-Year View

Financial Planning

For: Anyone for whom retirement is still an abstraction

Financial independence snapshot: your number, your gap, your levers

Retirement feels abstract. Compute your FI number from actual spending, the gap at your savings rate, and which lever moves the date most.

Why it works: FI math is simple, but almost nobody runs it on their own numbers. The lever ranking reframes 'save more' into which specific dial matters for YOUR date, and labeling the withdrawal rate as contested teaches the single biggest fragility in the model instead of hiding it.

Useful? 👍 Yes👎 No

What you did NOT get today (Pro)

Prompt of the Week (Pro)

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