Budgets, investment plans, and financial independence — AI-built
Personal Finance Framework encodes certified financial planner, investment analyst, and personal finance educator expertise into prompt sequences that generate complete personal financial systems. From zero-based budgets to FIRE planning, every prompt produces financial artifacts that build real wealth.
Full Access Unlocked
All 44 prompts · All 5 modules
"The FIRE planning prompts are the most thorough I've seen. My audience loves the coast FIRE vs. lean..."
Jordan M. · Personal Finance Creator
Need expert implementation?
Hire an OrchestratorConnect with a certified Prompt.Doctor Orchestrator to deploy this framework for you.
No coding required. You will use ChatGPT or Claude as your AI tool. Follow these steps in order — do not skip ahead.
Purchase & download the framework
Click the buy button on this page. After checkout, go to the and hit Download .zip. Unzip it — you'll get a .md file (the full framework) and a .pdf (easy to read reference). Keep both open.
Open your project — new or existing
This dashboard is designed to integrate into any existing project or be built as a standalone app. If you already have a site in Airo (or Cursor, Bolt, etc.), open that project. If you're starting fresh, create a new project. The Orchestrator Prompt handles both cases — it scans what's already there and adds only what's missing.
Paste the Orchestrator Prompt into your builder's chat
Open the on this page. Copy the Orchestrator Prompt and paste it into your AI builder's chat. It will scaffold the full admin system — secure login, email marketing module, booking engine, and CMS — on top of your existing codebase. This takes 2–5 minutes.
Add your API keys as secrets
Critical — Novice UsersIn your builder, go to Settings → Secrets and add the keys your app needs. For this framework: STRIPE_SECRET_KEY (for booking payments — get it from your Stripe dashboard), ANTHROPIC_API_KEY (for AI-assisted content — get it from console.anthropic.com), and DATABASE_URL (your MySQL connection string). No key is needed for the admin login, CMS, or email modules — those run on your existing infrastructure.
Don't have a MySQL server?
You can purchase a shared hosting plan with cPanel and MySQL at host.esgwon.dev. Once your account is set up, follow the step-by-step guide to create your database and connect it to your AI website builder.
How to set up cPanel MySQL & connect to your AI website →Need help with Stripe?
Get your STRIPE_SECRET_KEY and STRIPE_PUBLISHABLE_KEY from your Stripe dashboard. The guide covers test keys, webhook setup, and going live.
Need help with Anthropic?
Get your ANTHROPIC_API_KEY from console.anthropic.com. The guide covers model selection, cost management, and troubleshooting.
Prompting Airo after setup — always name the file
When asking Airo to add tables, columns, or features to the admin dashboard, always include src/server/lib/admin-db.ts in your prompt. Without it, Airo may target the wrong database. Example: "Add a bookings table in the admin database (src/server/lib/admin-db.ts) — do not touch any other database connection in this project."
Run the framework prompts inside your live app
Your app is now running in the builder's preview panel. Open the on this page, copy each prompt one at a time, and paste it into your builder's chat. Replace every [BRACKET] with your real data before sending. Work through the stages in order — each stage output feeds the next.
Test end-to-end, then publish or hand off to your client
Walk through the admin as a real user: log in, create a booking, send a test email campaign, update a CMS image, and run the Safe-to-Publish gate. Once everything passes, click Publish in your builder. Because this is a white-label dashboard, your client accesses it at /admin on their own domain — no Prompt.Doctor branding, no third-party login required.
5 modules · 44 prompts · 6 workflow stages
Budget System
Zero-based budget generator, 50/30/20 analysis, spending category design, and monthly budget review framework.
9 promptsDebt & Savings System
Debt inventory and payoff strategy (avalanche vs. snowball), emergency fund sizing, and savings rate optimization.
8 promptsInvestment Framework
Asset allocation design (stocks, bonds, real estate, alternatives), account type optimization (401k, IRA, taxable), and rebalancing strategy.
9 promptsFIRE & Wealth Building System
FI number calculation, FIRE timeline modeling, safe withdrawal rate analysis, and coast FIRE vs. lean FIRE comparison.
9 promptsTax & Roadmap System
Tax optimization prompts (deductions, account sequencing, timing), net worth tracker design, and 12-month financial roadmap generator.
9 promptsBuild a zero-based budget for someone with the following financial snapshot: Monthly take-home income: [AMOUNT]. Fixed expenses: [LIST WITH AMOUNTS]. Variable expenses (current spending): [LIST WITH AMOUNTS]. Financial goals: [LIST — e.g., pay off debt, build emergency fund, invest]. Create: (1) Current state analysis (where the money is going, % by category), (2) Recommended zero-based budget (every dollar assigned a job), (3) Category adjustments (what to cut and by how much, with reasoning), (4) Savings and investment allocation (specific amounts and accounts), (5) Monthly surplus/deficit after budget. Flag any categories where spending seems high vs. benchmarks. Make it realistic — not aspirational.
Calculate the FIRE number and timeline for someone with this profile: Current age: [AGE], Annual expenses: [AMOUNT], Current net worth: [AMOUNT], Annual savings rate: [AMOUNT], Expected investment return: [%], Inflation assumption: [%]. Calculate: (1) FIRE number (25x annual expenses — explain the 4% rule), (2) Years to FIRE at current savings rate, (3) How changing the savings rate by +$500/month affects the timeline, (4) Coast FIRE number (what they need now to coast to FIRE by [TARGET AGE]), (5) Lean FIRE vs. Fat FIRE comparison (what each requires). Present as a clear narrative with a summary table. Include one key insight about what would most accelerate their timeline.
Build a debt payoff plan for the following debts: [LIST EACH DEBT: name, balance, interest rate, minimum payment]. Monthly amount available for debt payoff (above minimums): [AMOUNT]. Compare: (1) Avalanche method (highest interest first) — total interest paid, payoff date, month-by-month schedule, (2) Snowball method (smallest balance first) — total interest paid, payoff date, psychological milestones, (3) Hybrid approach recommendation. For the recommended method: provide a month-by-month payoff schedule showing which debt to attack each month, running balance, and cumulative interest saved. Highlight the first debt payoff date as a milestone.
system
9 prompts
workflow
8 prompts
architecture
9 prompts
prompts
9 prompts
templates
9 prompts
"The FIRE planning prompts are the most thorough I've seen. My audience loves the coast FIRE vs. lean FIRE comparison framework."
Jordan M.
Personal Finance Creator
"The zero-based budget generator produces plans my clients actually stick to. The debt payoff schedule with milestone callouts is especially motivating."
Samantha R.
Financial Coach
All 44 prompts across 5 modules are unlocked for your account.
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