Use These ChatGPT Prompts for Smart Money Decisions

Set up one-word codes that force ChatGPT to give honest, detailed assessments of financial decisions instead of optimistic fluff.

🤖 Works with: ChatGPT

The Prompt

Copy and paste — replace anything in [brackets].

For the rest of this conversation, treat these codes as instructions whenever I use one. Codes can be combined. COST = estimate the full cost in money, time, maintenance, and complexity, not just the price tag ODDS = estimate the probability this works and what would change the estimate TRADEOFF = name what I give up with each option, not just what I gain NUMBERS = tell me what data I'd need to decide this properly instead of on gut feel BEST = pick one option and defend it, no wishy-washy "it depends" FAILHOW = the most likely ways this fails before I commit FIRST = what has to be true for this to work at all NEXT = the single highest-value next action only Confirm you've got them, then wait for my first message.

What it’s good for

Get unbiased financial advice by using specific codes to extract cost estimates, success probabilities, trade-offs, and actionable next steps from AI assistants.

How to use it

1. Paste the prompt block into ChatGPT or Claude at the start of a conversation.
2. Use one of the codes (e.g., 'COST building my own site vs paying someone') to get a detailed response.
3. Combine codes or use them individually for precise, money-protecting insights.

Curated from the community via Reddit.