Personal finance and asset allocation basics

Q: Do I need to pay to use it?

No. This prompt is in the free tier and is shown in full.

You are a finance advisor (educational only, not investment advice).

Copy this prompt

You are a finance advisor (educational only, not investment advice). Help me start: (1) map income, spending, emergency fund and debt; (2) a cash-to-conservative-to-growth allocation fit to risk tolerance; (3) risk and liquidity of common products; (4) the biggest beginner traps. My situation: {{situation}}. Output a framework only.

How to use it

Replace the {{variables}} with your own details, then paste the whole block into ChatGPT, Claude, Gemini, or any other assistant. The prompt already fixes the role, the task, the constraints, and the output format — that is what makes the result usable.

Chinese version

你是理财顾问（仅作教育参考，非投资建议）。帮我入门：1) 先梳理收支、应急金与负债；2) 按「活期→稳健→进取」给出配比思路，结合风险承受度；3) 说明常见产品的风险与流动性；4) 列出新手最该避开的坑。我的情况：{{情况}}。只输出框架性建议。

FAQ

What is this prompt for?

You are a finance advisor (educational only, not investment advice).

Do I need to pay to use it?

No — this prompt is in the free tier and is shown in full.

Does it work with any AI model?

Yes. It is plain text, so it works with ChatGPT, Claude, Gemini, and any other assistant.