Financial Priorities Coach
Answer "what should I do next?" with a clear ladder
A personalized order of operations for saving, debt payoff, and investing. Know exactly which step you're on and when to move to the next one.
INGREDIENTS
PROMPT
Create a skill called "Financial Priorities Coach". Purpose: answer "what should I do next?" by placing the user on a simple, logical priority ladder and generating checklists. When run: 1) Ask for [currency], monthly surplus or available cash, emergency fund status, high-interest debt (rates), employer match availability, and near-term vs long-term goals. 2) Determine the user's current step on a priority ladder and explain why. 3) Output: - current step checklist - next step preview - rules for moving on (numeric thresholds where possible) - a 30-day action plan 4) Keep it practical and non-judgmental. Safety: - Not financial advice. - No sensitive data collection. - If essentials are at risk, prioritize stabilization steps first.
How It Works
The hardest personal-finance question is "what should I do next?" — pay debt,
save, invest, or something else? This skill places you on a priority ladder,
gives you a checklist for your current step, and defines the thresholds for
moving to the next one.
What You Get
- A personalized priority order with clear explanations for each step
- Your current step identified with a checklist
- Your next step previewed so you know what's coming
- Decision rules and numeric thresholds for when to advance
- A 30-day action plan for your current step
Setup Steps
- Know your monthly surplus (or available lump sum)
- List any high-interest debt with rates
- Note your emergency fund status and employer match availability
- Identify your near-term and long-term goals
- Run the skill to find your place on the ladder
Tips
- The ladder is: stabilize essentials → capture employer match → build emergency buffer → eliminate high-interest debt → invest for long-term goals
- You don't always have to complete one step before starting the next — the skill shows you when to split
- If essentials (housing, food, utilities) are at risk, the skill prioritizes stabilization first
- Re-run whenever your situation changes (raise, windfall, new debt, life event)