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.

Copy & paste into your own LLM

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.

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.

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.

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.

Useful? 👍 Yes👎 No

The Biggest Line Item

Housing: Rent, Buy, Move

For: First-time buyers, movers and renters facing the largest financial decision they'll make

Rent vs buy, run on your actual numbers instead of a vibe

Everyone has an opinion about renting versus buying. Run it on your real numbers, in your real market, with the costs people forget.

Useful? 👍 Yes👎 No

What you did NOT get today (Pro)

Prompt of the Week (Pro)

This week's bonus: a debt-avalanche vs debt-snowball comparison prompt that runs both payoff orders on your actual balances and rates, shows the interest difference in dollars, and tells you which one you will actually stick to — with every calculation shown.

Which section is most useful to you this week?

One tap — it shapes which prompt leads next week.

What would you like to see more of?