🏴‍☠️ ChatGPT Builds Your Bank Plan

This Prompt is Your Free Financial Coach

Author

Captain YAR
November 19, 2025 • Estimated Reading Time: 9 minutes

What if you could get a world-class financial plan, covering everything from budgeting to investing, completely for free?

I stumbled upon something that comes incredibly close, and it’s one of the most powerful prompts I have ever seen. A talented creator on Reddit shared a “MEGA PROMPT” that essentially transforms ChatGPT into a personal financial advisor. It’s designed to give you a complete, actionable money blueprint tailored just for you.

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The All-in-One Money System

This isn’t your average “help me budget” prompt. The post’s author designed a full-stack money management system. When you use it, the AI takes on multiple expert roles at once: a financial coach, a debt-repayment strategist, and an investment planner. It doesn’t just look at one part of your finances; it connects all the dots. The prompt instructs the AI to analyze your income, expenses, debts, and goals to build a holistic strategy, showing you how each piece of your financial puzzle affects the others.

I was blown away by its comprehensiveness. It goes far beyond simple spreadsheets by integrating behavioral finance principles and long-term wealth-building strategies. The mind behind it has created something that doesn’t just give you numbers, but a clear path forward.

Here are a few things that really stood out to me:

It Creates a Hyper-Personalized Financial Blueprint

Generic financial advice is everywhere, but it rarely fits anyone perfectly. The brilliance of this prompt is how it forces specificity. It begins by asking for your key financial data: monthly income, fixed and variable expenses, detailed debt info (including balances and interest rates), current savings, and investment balances. You also provide your short- and long-term goals and your personal risk tolerance. This detailed input allows the AI to generate a plan that is uniquely yours, not a one-size-fits-all template. It addresses your specific debts, your savings goals, and your comfort level with investing, making the advice incredibly relevant and practical.

It Models Your Financial Future with Scenarios

One of the most powerful features is its ability to look ahead and stress-test your plan. The prompt’s author built in a function for the AI to generate three potential financial paths for you: Conservative, Balanced, and Aggressive. A conservative path might prioritize aggressive debt repayment and building a huge emergency fund. An aggressive path might focus on maximizing investment contributions. But it doesn’t stop there. It also runs simulations for different life events, like a sudden job loss or a market downturn. This helps you understand the potential risks and strengths of your plan, moving you from simple budgeting to true financial strategy.

It Delivers an Actionable, Long-Term System

A plan is useless if you don’t follow it. This prompt tackles that head-on by generating a “30-Day Action Plan.” This gives you immediate, concrete steps to take, which is perfect for building momentum and avoiding overwhelm. It might include tasks like “consolidate high-interest credit card debt” or “set up an automatic transfer of $200 to your emergency fund.” Even better, it includes a “Quarterly Review Plan.” This transforms the output from a one-time report into a living financial system. It encourages you to track key metrics like your savings rate, debt-to-income ratio, and net worth, helping you stay on track and adjust your strategy as your life changes.

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How to Use It

The person who shared it laid out a very simple process to get the best results:

1. Copy the entire MEGA PROMPT. Go to the original post and copy the whole thing, including the system role and all the details. Don’t remove anything.

2. Paste it into ChatGPT. Start a new chat and paste the prompt. The AI will then ask you for your financial information.

3. Provide your details. Answer its questions using simple bullet points. The clearer your information, the better the plan will be.

4. Let it generate your plan. The AI will produce a highly structured, multi-part financial strategy based on everything you provided.

5. Save and review. Use the 30-day action plan to start immediately and the quarterly review system to track your progress over time.

This is one of the most practical and well-structured prompts I’ve come across for personal finance. The level of detail is just incredible.

If you’re ready to get a handle on your money, you have to try this.

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