It’s a feeling many of us know all too well: a vague, persistent stress about money. You’re earning a decent income, but you’re not entirely sure where it all goes. The idea of creating complex spreadsheets is exhausting, and hiring a financial advisor feels like a step you’re not quite ready for. You’re stuck in a state of financial confusion, wishing there was a simpler way to get organized.
Author and entrepreneur Adrian Brambila found himself in this exact situation. He was tired of the anxiety and decided to try something unconventional. He turned to the simple, conversational interface of ChatGPT to act as his personal financial guide.
This article will walk you through the exact 7 ChatGPT prompts process Brambila used to go from financial confusion to what he calls “total clarity.” It’s a step-by-step blueprint that you can follow to do the same for your own finances, using a tool that is free and accessible to everyone.
The 7 ChatGPT Prompts’ Journey from Chaos to Clarity
The core of Brambila’s method was a series of logical questions that built upon each other. Here is how he started his journey, transforming raw numbers into a clear, actionable plan.
Step 1: Creating Your Financial Snapshot (The Zero-Based Budget)
The ‘Why’: Before you can make a plan for the future, you need a perfectly clear picture of your financial situation right now. Brambila knew he had to stop guessing where his money went and start knowing for sure. This first step is designed to create a non-judgmental, factual snapshot of your income and expenses.
The ‘How‘ : To start, he gave the AI a clear instruction and his financial data. You can use this template:
“I want you to act as a financial advisor. I am trying to create a zero-based budget. Here is my income, my expenses…”
The Result: A zero-based budget assigns every single rupee a “job,” whether that job is paying rent, buying groceries, or being saved. This prompt gives you a clean breakdown of your financial reality and ensures that no money is unaccounted for, providing the essential foundation for everything that follows.
Step 2: Structuring Your Spending (The 50/30/20 Rule)
The ‘Why’: A list of expenses is useful, but a simple framework makes it easy to manage your money week after week. To turn his raw numbers into a memorable and effective plan, Brambila asked ChatGPT to apply a classic budgeting principle.
The ‘How’: He built on the previous step with a direct command:
“Now, take that budget and apply the 50/30/20 rule to it. Show me where I can cut back.”
The Result: This simple prompt instantly categorizes your spending into three clear buckets: 50% for Needs (like housing and utilities), 30% for Wants (like dining out and hobbies), and 20% for Savings & Investments. The AI provides clear targets and often suggests actionable ways to trim expenses to meet these goals, turning your budget into a strategic plan.
Steps 3 & 4: Automating Your Savings & Investments
The ‘Why’: The most effective financial plans are the ones that run themselves. Relying on willpower to manually save and invest money each month is a recipe for failure. Brambila understood this and used his next prompts to create a system that made progress automatic, ensuring his financial goals were met without constant effort.
The ‘How’ : He asked two simple, direct questions to build his automated engine for wealth:
Prompt 3: “Create a savings plan for me.”
Prompt 4: “Create an investment plan for me. I am a beginner.”
The Result: These prompts generate clear, actionable plans for systematically growing your money. For savings, ChatGPT can outline how much to set aside for different goals (like an emergency fund or a vacation) and suggest setting up automatic bank transfers. For investing, it can explain beginner-friendly concepts and suggest diversified, low-cost options like index funds or ETFs, removing the intimidation factor for new investors.
Steps 5 & 6: Planning for the Future (Retirement & Debt)
The ‘Why’: With a system in place for his monthly finances, Brambila turned his attention to the big picture. Retirement and debt are two of the most significant financial hurdles for anyone, and planning for them can feel overwhelming. He used ChatGPT to break down these daunting goals into manageable strategies.
The ‘How’ : He tackled these two major topics with straightforward requests:
Prompt 5: “Create a retirement plan for me.”
Prompt 6: “Now, create a debt repayment plan for me.”
The Result: These prompts transform vague anxieties into concrete roadmaps. The retirement plan can provide a basic calculation of how much you need to save and suggest common retirement accounts to use. The debt plan can create a smart path to clear your loans. It can recommend a strategy to first clear the loan with the highest interest rate, as this saves you the most money in the long run. Another approach is to clear your smallest loans first, one by one. Each paid-off loan gives you a confidence boost to keep going, turning a huge burden of debt into small, achievable victories.
Step 7: Bringing It All Together
The ‘Why’: A brilliant plan is worthless if it gathers dust. The final, and perhaps most crucial, step in Brambila’s process was turning his entire financial strategy into a simple, repeatable routine. This prompt was the masterstroke that ensured his newfound clarity would translate into long-term habits and lasting success.
The ‘How’ : With all the building blocks in place, he gave one final command to operationalize the entire system:
“Take all of this information and create a simple, 15-minute weekly routine for me to follow to stay on track.”
The Result: This is what transforms a one-time overhaul into a sustainable system. The AI produces a simple weekly checklist that might include tasks like: reviewing your spending against the 50/30/20 goals, confirming automated savings and investment transfers went through, and checking your progress on debt repayment. It turns the daunting task of “managing your finances” into a quick, stress-free weekly check-in, giving you peace of mind and ensuring you never fall back into financial confusion.
Check out his post here: I GAVE CHATGPT MY SALARY… AND IT FIXED EVERYTHING
Your First Prompt Awaits
The journey from the initial anxiety of financial uncertainty to the calm confidence of having a plan is a powerful one. As Adrian Brambila discovered, you don’t need complicated spreadsheets, expensive software, or specialized knowledge to make this transformation. All it took was a clear goal and the willingness to ask a series of simple, logical questions.
He started with a single prompt to understand his reality and ended with a 15-minute weekly routine that put him in complete control of his money. His story proves that financial clarity is more accessible today than ever before.
Don’t just be inspired by his story—act on it. Open a new tab, start a conversation with an AI, and ask it your first prompt. Your journey to financial clarity can start today.
Disclaimer: The information provided in this blog is for general guidance only and should not be considered professional financial advice. Information offered by ChatGPT or any other AI tool is not a substitute for expert financial consultation. Always consult with a certified financial advisor or expert to make decisions tailored to your specific financial needs and circumstances. It is crucial to conduct your own research before making any investment or financial decisions.
