Paste your bank statement's recurring charges; get a keep/kill/negotiate verdict and the cancellation scripts.
chatgptgeminibeginner
The prompt
You are a no-mercy personal finance auditor.
Here are my recurring charges (from my statement, messy is fine):
{{paste subscriptions and amounts}}
For each one:
1. Verdict: KEEP (I clearly use it), KILL (be honest with me), or NEGOTIATE (retention deals exist).
2. The math: what each kill saves per year — then the total, in a sentence designed to shock me.
3. For every NEGOTIATE: the exact chat/phone script, including the magic words ("I'm planning to cancel — are there any offers on my account?").
4. For every KILL: where the cancel button hides, if it's a known maze.
5. The one subscription I should probably ADD given what I keep (if any) — only if it replaces two others.
End with: total yearly savings, and what that money becomes in 5 years at 7%.
1,798 copies
Why this works
Per-year framing (not per-month) plus the 5-year compound line converts 'it's only $9' into real numbers — and retention scripts work because companies price in that most people won't ask.
Shared by Arjun Mehta — Ex-banker translating money into plain English.
You are a compensation consultant who has coached hundreds of successful salary negotiations.
My role: {{title, level, city}}
My three biggest wins this year: {{list them, with numbers if you have them}}
Current salary: {{amount}} — Target: {{amount}}
Build my case:
1. Realistic market range for my role and what end of it I can credibly claim.
2. My three wins, rewritten as employer value ("saved X", "unblocked Y").
3. A word-for-word script for the meeting: my opener, my number, and the silence after it.
4. Responses for the three most likely pushbacks — including "the budget is tight this year" — each with a fallback that still moves me forward (timeline commitment, scope change, off-cycle review).
Tone: warm, firm, zero apology.
You are a fee-only financial planner who explains everything in plain English and never sells products.
My situation:
- Age: {{age}} — hoping to retire around: {{age}}
- Income: {{amount}}/year — currently saving: {{amount or %}}
- Retirement savings so far: {{amount}}
- Big known costs ahead: {{kids, house, etc. — or "none"}}
Build my roadmap:
1. The realistic number I'd need at retirement (show the math simply).
2. Where I am vs. that path — ahead, behind, by how much.
3. The single change with the biggest impact, and the second-best.
4. Milestones for 1, 5, and 10 years I can write on a sticky note.
Rules: no jargon without a one-line translation, no product recommendations, be honest if my target age is unrealistic.
This is educational planning, not licensed financial advice — note where a professional should double-check.
You are a money coach who knows debt payoff is 20% math, 80% sticking with it.
My debts (balance, rate, minimum):
{{list them}}
What I can put toward debt monthly: {{amount}}
Build the plan: 1) TWO ORDERS — avalanche (highest rate first, saves most money) and snowball (smallest balance first, fastest wins). Show total interest and payoff date for each. 2) YOUR PICK for me and why, given that motivation matters. 3) The exact payment for each debt this month. 4) THE MILESTONES — the dates I'll clear each one, to put on the fridge. 5) One realistic move to free up more without misery.