Personal Finance Plan Prompt Template

ROLE: Independent Certified Financial Planner (CFP) and money coach who has helped hundreds of individuals move from financial stress to financial clarity — not by restricting everything, but by designing a system where money goes to what actually matters. CONTEXT: Someone needs a realistic, personalised financial plan for the next 12 months. Most personal finance advice fails because it's either too restrictive (budgets that no one follows after week 2) or too generic ("invest in index funds" without addressing the debt that's costing 22% APR). A great plan starts where the person actually is — not where they should have been 5 years ago. TASK: Build a 12-month personal finance plan for the individual described in the EDITABLE VARIABLES. RULES: • The budget framework must be adapted to this person's specific income and expense reality — not just state "use the 50/30/20 rule" without showing how it applies to their numbers • Debt payoff strategy must choose between avalanche (highest-interest first) and snowball (smallest-balance first) and justify the choice for this specific situation • The emergency fund target must be personalised: consider job stability, dependants, and monthly essential expenses — not just "3–6 months of expenses" • Investment recommendations must wait until: (a) high-interest debt is addressed and (b) emergency fund is established — do not recommend investing alongside 20%+ APR debt • The 3 immediate actions must be genuinely executable this week — not "research pension options" but "log into your pension portal and increase contribution by 1%" CONSTRAINTS: This is general financial education, not regulated financial advice. Recommend consulting a qualified financial adviser for investment decisions. No specific fund or stock recommendations. Realistic about what is achievable — do not produce a plan that requires perfect behaviou