Finance

For freelancers and independent consultants who suspect they're undercharging — or who have no idea what to charge in the first place. This intake-driven prompt builds a defensible rate structure based on your skills, market, client type, and financial needs, then gives you the exact language to present it without flinching.

Most people hear tax-loss harvesting and either ignore it (sounds like a rich-people thing) or do it badly — selling losers in a panic, triggering a wash sale, or harvesting losses they should have kept. This walks the real question: does harvesting losses help you, this year, in your specific situation. Share your country, brackets, account types, realized gains so far, the positions sitting at a loss, and what you're auto-buying. Get a weighted comparison of harvest-now vs harvest-and-wait vs leave-it-alone for each loss position, the specific wash-sale risks hiding in your auto-investing, a rough dollar estimate of this year's tax savings, the two or three adjacent moves worth considering (0% LTCG bracket, Roth conversion sizing, appreciated-stock giving), and the one question to bring to your CPA. Not a recommendation — a clear-eyed read on whether this lever is worth pulling.

Most people are told to 'max their 401k' and stop there. The right contribution order depends on your employer match, tax bracket, HSA eligibility, and Roth access — and getting it wrong costs real money over decades. A structured intake that produces a prioritized, dollar-specific retirement contribution plan for your actual situation.

For people planning to remarry when at least one partner has children from a prior relationship, divorce settlement assets, child support or alimony obligations, or all three. A structured intake that maps the financial landscape and produces the conversations that have to happen before you legally combine households — from prenup to estate plan to kids-expense agreements.

Paste your lease — all of it, or just the sections giving you pause — and get a plain-English breakdown of what you're actually agreeing to. Catches one-sided clauses, explains the ones that look scarier than they are, identifies what's non-standard for your area, and gives you exact language for negotiating the parts worth pushing back on. For first-time renters who don't want to sign something they don't understand.

A decision-tree for high earners who keep putting off disability insurance — own-occupation, not group. For doctors, lawyers, dentists, engineers, consultants, and anyone whose income depends on their specific ability to work. Covers whether you actually need it, what type to buy (own-occupation vs. modified own-occupation vs. any-occupation and why the distinction matters at claim time), how much to get, which riders earn their premium, and what you already have that changes the answer. Ends with a specific shopping list, not a generic 'consult a professional.'

Long-term care insurance vs. self-insure vs. hybrid policy — walked through as a structured decision, not a sales pitch. For people in their 50s realizing they should have thought about this sooner, and their adult children doing it on behalf of aging parents. Covers when to buy, what type, how to model the math, and what trust structures (revocable, irrevocable, special-needs) to set up before the planning window closes.

A pre-diligence sparring session for founders approaching an M&A process. Surfaces what acquirers will flag — revenue quality, IP gaps, cap table landmines, key-person risk — before a professional diligence team does it in a data room under an LOI.

For founders navigating a co-founder departure. Covers the mechanics — not the relationship — of unwinding equity: what your shareholder agreement actually says, how vested vs. unvested shares get treated, buyback rights and pricing, good leaver vs. bad leaver provisions, acceleration clauses, cap table cleanup, and who needs to sign off. Paste your documents or describe your setup and get a step-by-step walkthrough of what the leaver walks away with and what it costs the company.

For couples at any stage who keep avoiding the structured money conversation — moving in, getting engaged, mid-relationship reset, or splitting up. Pick your stage; get the conversation script, the disclosure framework, the prenup or post-nup language, the joint-vs-separate decision tree, and the three things you should NOT say in the first sitting. Includes the one move that prevents 80% of money fights: separating what we own from how we spend from what stays mine.

Decide whether you need long-term disability insurance, how much coverage to buy, and which policy features matter when your group LTD is thin or non-existent. Inputs your income, occupation, savings runway, dependents, and existing employer coverage — outputs a sized recommendation, the definition-of-disability traps that quietly gut payouts, and the riders worth paying for vs. the ones brokers oversell. Built for high-earning professionals (doctors, lawyers, engineers, founders) whose biggest financial risk isn't dying — it's a five-year shoulder injury.

Decide whether you need a personal umbrella policy, how many millions of coverage to buy, and which exclusions will quietly destroy you when you actually file a claim. Inputs your net worth, liability exposure (driving, pool, dogs, rentals, board seats, teen drivers), and your existing auto/home limits — outputs a sized recommendation, the underlying-limit gotchas, and the questions your agent will not volunteer. Built for high-earning professionals who keep getting told 'you should have an umbrella' but have no idea why or how much.

An interactive operator for senior employees at venture-backed companies on the IPO/acquisition runway. Walks you through the four pre-liquidity decisions that move six-figure outcomes: early exercise of unvested options, NSO/ISO exercise-and-hold AMT modeling, secondary tender participation, and 10b5-1 plan design pre-lockup. Pulls your grant economics, current 409A, expected liquidity event, and personal cash position, then runs the math on AMT exposure, QSBS eligibility (Section 1202), early-exercise 83(b) windows, secondary discount-vs-tax tradeoff, and a draft 10b5-1 schedule that survives the lockup expiration without blowing up. Built for engineers, EMs, and PMs who keep getting equity guidance from people whose situation isn't theirs.

Paste your title commitment, ALTA settlement statement, and warranty deed (or grant deed, special warranty deed, quitclaim) and get a brutal line-by-line decode of every exception, easement, restriction, and fee. Surfaces the Schedule B exceptions that actually matter (vs. the boilerplate), flags the survey gaps that will bite you in five years, decodes the title insurance premium and simultaneous-issue rate, reconciles the ALTA against your Closing Disclosure to the dollar, and tells you which signatures matter and which to slow down on. Built for first-time and second-time buyers staring at a 40-page closing packet at 9pm the night before signing.

An interactive operator that walks freelancers through a single quarterly estimated tax payment from start to send. Pulls your YTD income and deductions, runs the safe harbor math (110% prior year vs. 90% current), sweeps overlooked deductions for the quarter, handles state quirks, and produces the actual federal and state vouchers — plus a calendar reminder for next quarter. Built for solo operators who don't want to outsource tax-prep but also don't want to underpay and eat the IRS underpayment penalty.

Paste your HOA's CC&Rs, bylaws, recent meeting minutes, financial statements, or reserve study — get a ranked red-flag report covering special-assessment risk, reserve underfunding, governance dysfunction, rental restrictions, pet/use rules, fining authority, insurance gaps, and the lawsuits or feuds hiding in the minutes. Built for buyers in their 7-day HOA review window who don't want to read 400 pages of legalese to discover they bought into a building that's about to lose its lender warrantability.

Paste your Loan Estimate or Closing Disclosure and get a brutal, line-by-line decode: which fees are real, which are junk, which the lender will quietly drop if you push, and which actually changed between LE and CD (illegally or not). Compare two or three lenders apples-to-apples, generate the negotiation message, and surface the questions your loan officer hopes you don't ask. Built for first-time buyers staring at three 5-page PDFs at 11pm.

An interactive operator that walks W-2 employees with equity (RSUs, ESPP, NSOs, ISOs) through the year-end and tax-time decisions that actually move the needle. Pulls your grant facts, vest schedule, and paystub withholding, then runs the math on the 22% supplemental withholding gap, AMT exposure for ISO exercises, ESPP qualifying vs disqualifying disposition, double-basis traps on 1099-B, and 83(b) windows. Produces an action list with dollar amounts, deadlines, and the exact line items to verify on Form W-2, 3922, 3921, and 1099-B. Built for engineers and operators at vesting tech companies who keep getting surprised by April 15.

You've just been named executor — or you're the next-of-kin and there's no one else. Get a phased, week-by-week protocol for closing out a loved one's estate: death certificates, immediate bills, probate filing, account inventory, creditor notice, tax filings, distribution, and final accounting. Adapts to whether there's a will, whether it's simple or contested, and which state you're in. Built for people who are grieving and shouldn't be googling 'how do I cancel a dead person's credit card' at 2am.

Paste a home inspection report and get an instant, prioritized punch list: what's a walk-away deal-breaker, what to negotiate a credit on, what to monitor, and what's just cosmetic noise. Includes cost estimates by issue, a ranked negotiation ask to send your agent, and the follow-up questions your inspector didn't answer. Built for first-time buyers who don't know which yellow flags actually matter.

Paste your medical bill, EOB (Explanation of Benefits), or both — get a plain-English breakdown of every line, what your insurance actually covered, what you truly owe, which charges look wrong or duplicated, and a copy-paste script to dispute errors or negotiate the balance down. No jargon, no scare tactics, just the numbers and the next move.

Paste a rental listing and get an instant risk assessment. Catches scam signals, pricing anomalies, misleading language, and questions you should ask before signing. Built for the 2026 rental market where AI-generated fake listings are everywhere.

Paste your bank statement or list your recurring charges — this prompt plays devil's advocate on every subscription you pay for. It calculates your true annual cost, challenges you on usage vs. price, identifies overlapping services, and builds a cut list with projected savings. The financial equivalent of cleaning out your closet.

Paste your debts — credit cards, student loans, car payments, medical bills, whatever — and get a real payoff strategy, not just 'pay more than the minimum.' Simulates avalanche vs. snowball vs. hybrid approaches against YOUR actual numbers, shows you the exact month you're debt-free under each scenario, calculates total interest saved, and builds a month-by-month payment schedule you can actually follow. Includes negotiation scripts for interest rate reductions and a debt consolidation decision tree.

You just got laid off — or you can feel it coming. This isn't a career pivot planner (that's a different prompt). This is the immediate aftermath: negotiating your severance, understanding your benefits cliff, triaging your finances for survival runway, processing the emotional hit without spiraling, and building a 30-day action plan that doesn't start with 'update your LinkedIn.' Decision-tree format — it asks your situation and routes you to exactly what matters right now.

Before you buy that car, laptop, couch, camera, or anything over $500 — run it through this. Paste the item, your budget, and your situation. Get a devil's advocate analysis: the real total cost (not just sticker price), whether you're buying for the right reasons, cheaper alternatives you haven't considered, and the 'future you' regret forecast. Not a buzzkill — a clarity machine.

Paste your bank statement, credit card export, or just a rough list of what you spent last month. Get a brutally honest audit — where your money actually went vs. where you think it went, silent subscriptions bleeding you dry, and a concrete plan to redirect cash without living like a monk.

Before you tear down a wall or hire a contractor, get a brutally honest scope check. Describe your home project — get a realistic budget range, timeline, DIY-vs-pro verdict for each task, the gotchas nobody warns you about, and the questions to ask before signing anything.

A financial strategist for freelancers and gig workers — helps you smooth irregular income, set tax reserves, calculate runway, price projects, and stop the feast-or-famine cycle.

Build an investment thesis for any stock, ETF, or asset class — then have it stress-tested by a devil's advocate who pokes holes, surfaces counter-evidence, and forces you to defend or revise your position.

A quarterly financial health check for small business owners — analyze your real numbers, spot warning signs early, benchmark against industry norms, and get a prioritized action plan.

Simulate financial shocks against your real numbers — job loss, rate hikes, medical emergencies, windfalls — and build a resilience plan based on how your budget actually breaks.

Map how your birth cohort likely approaches money, risk, saving, and wealth-building—including strengths, blind spots, and mental patterns.