Use Seven ChatGPT Prompts To Master Your Finances
Managing personal finances can often feel overwhelming, but what if Artificial Intelligence could offer a clear path forward? Author and entrepreneur Adrian Brambila recently demonstrated this possibility, sharing on Facebook how he achieved "total clarity" over his money using just seven simple prompts with ChatGPT.
Brambila's approach, detailed in his now-viral social media post, involved providing his salary details to the AI and asking it to structure his financial life. He found that this simple process helped him streamline his expenses and understand his cash flow like never before.
The Seven Prompts That Transformed His Finances
Brambila's method is straightforward and can be adapted by anyone. Here are the seven prompts he used to fix his finances:
- Create a Zero-Based Budget: He started by asking ChatGPT to build a zero-based budget using his specific income and fixed expenses. This ensures every dollar is assigned a purpose, eliminating guesswork about where money goes.
- Apply the 50/30/20 Rule: He instructed the AI to split his income using the 50/30/20 rule, but adjusted for his actual numbers, not just theory.
- Track Cash Flow: The third prompt was to create a simple monthly cash flow tracker to visualize money coming in and going out.
- Set Savings Goals: He asked the AI to calculate how much he needed to save each month to reach a specific financial goal within 12 months.
- Implement a Weekly Check-In: To stay on track, he had ChatGPT design a weekly money check-in that could be completed in under 10 minutes.
- Develop an Investment Plan: He asked for a jargon-free, three-step investment plan for beginners focused on long-term growth.
- Build a Repeatable System: Finally, he asked the AI to consolidate everything into a repeatable monthly money system that is easy to follow.
Understanding the 50 30 20 Budgeting Rule
A core part of Brambila's strategy was the 50/30/20 rule, a popular budgeting guideline. His prompt was specific: “Split my income using the 50/30/20 rule — adjusted for my real numbers, not theory.”
This rule breaks down your after-tax income into three categories:
- 50% for Needs: This portion covers essentials like rent or mortgage payments, groceries, utilities, transportation, and insurance.
- 30% for Wants: This is for non-essential spending that enhances your lifestyle, such as dining out, entertainment, shopping, and vacations.
- 20% for Financial Goals: The remaining 20% is dedicated to savings, investments, and paying down debt beyond minimum payments.
Crafting a Simple Investment Roadmap with AI
For those intimidated by investing, Brambila’s prompts offer a clear starting point. He asked, “I want to invest, but I’m overwhelmed. Give me a beginner’s plan with 3 simple steps.” This helps cut through the noise and provides actionable steps for long-term wealth creation.
His final prompt, which turned the entire plan into a sustainable system, highlights a crucial point. As Brambila noted, effective money systems “don’t rely on motivation” but instead “run on repeat.” This focus on consistency is key to achieving long-term financial success.
