Retirement Contribution Optimizer
Turn "I should save more" into a plan
Set a retirement contribution target, capture your employer match, and get a ramp-up schedule — without drowning in investment jargon.
INGREDIENTS
PROMPT
Create a skill called "Retirement Contribution Optimizer". Goal: help the user set a retirement contribution target and a practical account priority order, with a ramp-up plan. When run: 1) Ask for [currency], age, income, current retirement contributions, employer match formula (if any), emergency fund status, high-interest debt status, and retirement goal age. 2) Output: - recommended contribution target range (% and [currency]/month) - planning order (match first, etc.) - a ramp-up schedule (e.g., +1% every quarter) - a simple default investment choice if the user wants simplicity (no specific tickers) - an annual checklist (fees, beneficiaries, rebalancing cadence) Safety: - Not financial/tax advice. - Avoid individual security recommendations. - Encourage verifying plan rules with the provider.
How It Works
Retirement planning is intimidating, so people delay it. This skill cuts through
the complexity: it tells you how much to contribute, in what order (match first),
and how to ramp up over time — plus a simple investment default if you don't want
to pick funds.
What You Get
- A contribution target range (as % of income and in currency per month)
- An account priority order (match → high-interest debt → emergency fund → IRA/additional retirement)
- A ramp-up schedule (e.g., increase 1% every quarter until target)
- A simple investment default (e.g., target-date fund) for those who want simplicity
- A 12-month checklist: increase contributions, review fees, check beneficiaries, rebalancing cadence
Setup Steps
- Know your age, income, and current retirement contribution rate
- Find out your employer match formula (if any)
- Note your emergency fund and high-interest debt status
- Pick a target retirement age
- Run the skill to get your plan and ramp-up schedule
Tips
- If your employer matches, contribute at least enough to capture the full match — it's free money
- The ramp-up approach works better than trying to jump to the target overnight
- Fees matter a lot over decades — the checklist includes a fee review step
- This skill avoids specific fund or stock picks; it focuses on contribution behavior