AI will change your life.
If you know how to talk to it.
Most people type vague questions and get useless answers. This formula fixes that — for your health, your money, your relationships, your goals. Whatever matters most to you.
AI knows nothing about you when you start. Without structure, it gives you the most average answer possible — generic advice that could apply to anyone, which means it's perfectly useful for no one. This formula forces you to give it everything it needs: who to be, what your life looks like, what you need, how to deliver it, and what won't work for you. You stop asking a search engine. You start briefing a personal advisor.
CONTEXT I'm a 34-year-old working parent. I want to lose 15 pounds over the next 3 months. I work long hours, have two kids, and can realistically spend 20 minutes cooking on weeknights. I don't have food allergies but I hate fish.
TASK Build me a simple weekly meal plan I can actually follow without burning out or spending a fortune.
FORMAT A 7-day plan laid out by day. Each day: breakfast, lunch, dinner, one snack. Include a short grocery list at the end.
CONSTRAINTS No fish. Under $150/week for a family of four. Meals should be simple enough that a tired adult can make them without a recipe. No exotic ingredients.
CONTEXT I have $18,000 in credit card debt across 3 cards. I bring home $3,800/month after taxes. My fixed monthly expenses total about $2,600. I've tried budgeting apps before and always fall off after 2 weeks.
TASK Give me a realistic, month-by-month debt payoff plan that accounts for my actual income and doesn't require me to be perfect.
FORMAT A clear timeline showing which debt to attack first, how much to put toward it each month, and an estimated payoff date for each card. Then a one-paragraph summary I can refer back to.
CONSTRAINTS Don't assume I can cut expenses dramatically — I've already trimmed what I can. No advice about debt consolidation loans. Keep the language simple and motivating, not clinical.
CONTEXT I need to tell my partner that I feel emotionally disconnected from them. We've been together 6 years. Things have been distant since we had our second child. I tend to shut down when things get tense, and they tend to get defensive. I've been putting this off for months.
TASK Help me plan and script this conversation so I can say what I actually mean without it turning into a fight.
FORMAT Give me: (1) how to open the conversation in 2–3 sentences, (2) the core thing I'm trying to say rewritten clearly, (3) two ways they might respond and how to handle each one calmly.
CONSTRAINTS No therapy jargon. Language should sound like a real human, not a self-help book. Assume my partner is a good person who isn't intentionally disconnected — they're just stressed too.
CONTEXT I've been at my company for 3 years. I just got a competing offer for $15k more than I currently make. I like where I work and would prefer to stay — but I want to be paid fairly. My current manager is supportive but the company has a reputation for low raises.
TASK Prepare me to have this negotiation conversation with my manager next week. Give me the exact strategy and the specific language to use.
FORMAT (1) A 3-sentence opening I can say verbatim. (2) The strongest 3 arguments for my raise, personalized to my situation. (3) How to handle it if they say "we can't match it right now."
CONSTRAINTS I don't want to sound threatening or like I'm issuing an ultimatum. Tone should be confident and collaborative. Assume I genuinely want to stay if they come close.
"How do I save more money?"
No context. No situation. No constraints. You'll get a generic list of tips you've already heard a hundred times.
"You're a personal finance coach. I make $4,200/month, spend about $3,600, and have zero savings. I've tried budgets before but can't stick to them. Give me 3 specific things I can do this week — not next month — to start building a cushion. Keep it simple. I don't want to track every dollar."
AI isn't magic. It's a mirror.
The quality of what you get back is the quality of what you put in.
Give it your real life — it'll give you real answers.