Money — AI Family Cheat Sheet

Decode confusing documents

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Translate any financial document

Here's a [credit card statement / insurance EOB / 401(k) doc / loan offer / property tax notice / brokerage statement]:

[paste]

Tell me in plain English:
1. What is this actually saying?
2. What, if anything, do I need to do or decide?
3. Any fee, rate, or term I should ask about?
4. What's the worst thing that could happen if I ignore this?

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Compare two offers side by side

Use when: loans, insurance quotes, credit cards

Compare these two offers. Don't tell me what to pick — tell me how to compare them.

Offer A: [paste or describe]
Offer B: [paste or describe]

My situation: [what you'll use it for, how long, your priorities].

Give me:
1. The 3 numbers that actually matter (and why)
2. The 2 sneaky fine-print clauses to check on each
3. The questions I should be asking the salesperson

Plan and budget

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A first-pass budget in 5 minutes

Use when: when you've never written one down

I want to build a simple monthly budget for my family.

Income (after tax): [$/month]
Big fixed costs: [rent/mortgage, car, insurance, daycare, etc.]
What I'd like to be saving toward: [emergency fund, debt payoff, vacation, retirement — name 2-3]

Suggest:
1. A clean, simple monthly framework (not 30 categories — 6 max)
2. Where most families overspend without realizing it
3. One thing I can automate this week to make it stick

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Big-purchase pressure test

Use when: anything over $1,000 you're considering

I'm thinking about buying [item] for around [$amount].

Why I think I want it: [be honest]
How often I'd use it: [your guess]
What I'd do instead with that money: [savings? a different purchase?]

Three jobs:
1. Steelman the purchase — best case for buying it
2. Steelman waiting 30 days
3. One alternative I might not have considered

Taxes & paperwork

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Prep for tax season

Use when: before meeting your CPA or filing

Help me get organized for taxes. Here's our situation:

- Filing status: [single, married filing jointly, etc.]
- Sources of income: [W-2, 1099, side hustle, dividends, rental, etc.]
- Big life events this year: [moved, had a kid, started a business, sold a home, etc.]
- States: [where you lived/worked]

Give me:
1. The documents I should be gathering right now
2. Common deductions/credits I might be missing for our situation
3. The 3 questions I should ask my CPA / tax software

The "I need to ask but feel dumb" zone

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Ask the dumb question safely

Use when: anytime you don't want to ask a human and feel judged

Explain [Roth IRA / HSA / amortization / capital gains / index fund / etc.] like I missed the class where they taught this.

- Start with what it is, in one sentence.
- Then: when would I actually use one? Give a real-life example.
- Finally: what's the most common mistake people make with it?

Don't assume I know any other finance terms — define them when you use them.

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