Create intermediate Works with: Any AI

Windfall Planning Worksheet

Structured brief Has example

Decide what to do with a bonus or refund in a structured way.

The Open buttons send the prompt text as currently shown below to that site only when you click. Fill in the placeholders first.

[VERIFY] is an editorial flag, not a blank to fill. Wherever the prompt shows [VERIFY], check that item against a reliable source before you use it.

Help me plan how to use a windfall. Amount: [AMOUNT]. Where it came from: [SOURCE]. My high-cost debts and rates: [DEBTS]. My current emergency savings: [EMERGENCY_SAVINGS]. Near-term needs and wants: [NEEDS_WANTS].

Do not tell me what to invest in. Instead lay out a decision worksheet: step one, check whether tax or other obligations apply (mark [VERIFY] and ask me to confirm for [JURISDICTION]); step two, list uses in categories such as safety net, debt reduction, near-term needs, long-term goals, and enjoyment; step three, show three allocation scenarios as percentages and amounts with the trade-offs of each in plain words; step four, a 'cooling off' rule of seven days before any large decision. Add questions I should answer before choosing. Close with a one-paragraph summary of my chosen scenario, written by me.

The output should educate me on how this works, not tell me which product to choose. Anything involving tax or legal rules should be labelled [VERIFY] with my [JURISDICTION].

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Optional: type your details and the prompt above updates. Nothing is saved or sent.

Replace each bracketed placeholder with your own details, then paste into Any AI or another assistant.

Windfall: 2,000. High-cost debt: card at 24% (balance 3,500). Emergency savings: 400.
Step 1 Tax or obligations: check whether any apply [VERIFY] [JURISDICTION].
Step 2 Uses: safety net, debt, near-term needs, goals, enjoyment.
Scenario A: 70% debt (1,400), 20% savings (400), 10% treat (200).
Scenario B: 50% savings, 40% debt, 10% treat.
Trade-offs: A saves card interest of about 28 a month at 24%; B builds a buffer.
Cooling-off: wait 7 days before big decisions.
Questions: how stable is my income? What would an emergency cost?
Not advice on investments.

• budget
• structured-brief