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Use this when you have your first income. It builds a simple plan to spend, save and give, explains bank accounts and interest in plain words and notes when to ask a parent.
Works inChatGPTClaudeGemini
I am [AGE] and I earn about [AMOUNT] a [WEEK / MONTH]. Help me make a simple plan for how to use it.
Things I want or need: [LIST]
Goals: [SAVING FOR SOMETHING, GIVING, SPENDING]
Show me a simple split, such as spend, save and give, and what to do if I want something expensive. Explain in plain words what a bank account and interest are. This is general information and not financial advice, so remind me to ask a parent about accounts and taxes.
Tip: Use rounded numbers and do not share account details with a chat tool.
What to fill in
Before you send it, replace the parts in [square brackets] with your own details:
Age
Amount
Week / month
List
Saving for something, giving, spending
If the AI gets it wrong
If a fact about taxes or accounts seems off, ask a parent or check an official site. Rules differ by country.
How to use this prompt
Press Copy this prompt.
Open ChatGPT, Claude or Gemini and paste it into a new chat.
Replace the [BRACKETS] with your details, then send it.
If the first answer is close but not right, reply with what to change. Short follow-ups work well.
Everything here is free. The free versions of the big chat tools are enough. Keep private details such as account numbers, passwords and full addresses out of any AI chat.